Truth-in-Savings

Except as specifically described, the following disclosures apply to all of the accounts:

1. Rate Information.
The Dividend Rate and Annual Percentage Yield on your accounts are set forth above. Share accounts and money market accounts are tiered rate accounts. For these accounts, if the account balance is within the range of a particular tier, the dividend rate for that tier will apply to the full balance in the account. Great Advantage accounts are tiered rate accounts. For these accounts, the dividend rate for a particular tier will apply only to the portion of the account balance that is within the range of that tier. For all accounts except certificates, the Dividend Rate and Annual Percentage Yield may change at any time as determined by the Board of Directors. The Effective Date shown in the table above is the last dividend declaration date. For Certificate Accounts, the Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the term of the account. For Certificate accounts, the Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. Visit www.greatnwfcu.com/rates for current rate information.

2. Nature of Dividends.
Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period.

3. Compounding and Crediting.
Dividends will be compounded and credited as set forth above. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period.

4. Accrual of Dividends.
Dividends will begin to accrue on noncash deposits (e.g., checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.

5. Balance Information.
The minimum balance required to open each account and earn the stated Annual Percentage Yield is set forth above. If you do not maintain the minimum balance, you will not earn the stated Annual Percentage Yield. For all accounts, dividends are calculated using the Average Daily Balance method, in which dividends are calculated by applying a periodic rate to the average daily balance in the account for the dividend period. The average daily balance is determined by adding the full amount of principal in the account for each day of the period, and dividing that figure by the number of days in the period.

6. Account Limitations.
For money market accounts, no more than six preauthorized, automatic, or telephone transfers may be made to another account of yours or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed. For a Christmas Club account, the entire balance will be paid to you by check or transferred to another account of yours on or after October 1 and the account will remain open. If any withdrawal is made from this account before the end of the club term, then the account will be closed and pay you the full balance. You may make transfers or withdrawals in the first seven (7) days the account is open without restriction. For all checking accounts, an owner must be at least 18 years of age. Limit one checking per membership and limit one Great Perks, Great Advantage and Platinum plus account per primary social security number. Platinum Plus accounts are only available for members 55 years or older.

7. Certificate Account Features.

a. Account Limitations. After your account is opened, you may not make additional deposits to a Certificate account except for a Children’s share certificate, for which deposits are permitted up to seven (7) days before maturity. For Childrens’ share certificates, each owner may have no more than $10,000 total in all certificates.

b. Maturity. Your Certificate account will mature on the maturity date set forth on your Account Receipt or Renewal Notice.

c. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal of your Certificate account before the maturity date.

i. Amount of Penalty. The amount of the penalty depends on the term of the account, as follows:

ii. How the Penalty Works. The penalty is calculated as a forfeiture of dividends earned or to be earned on the account. If earned dividends are insufficient or have previously been withdrawn, the penalty will be deducted from the principal balance.

iii. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment or where the account is an IRA and the owner attains age 59½ or becomes disabled and begins making periodic withdrawals.

d. Renewal Policy. Certificate accounts are automatically renewable accounts. Automatically renewable accounts will renew for another term upon maturity. You have a grace period of ten days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.

e. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.

8. Great Perks/Great Rewards Features.
Great Perks and Great Advantage checking account qualifications must be met for each monthly statement cycle in order to earn qualifying rate (Great Advantage) or perks (Great Perks) and account benefits described below for that cycle. Account qualifications are: 1) 15 debit card purchases of at least $5.00 posted to the account (note transactions may post to your account several days after they are initiated) by 10:00 PM on the last day of each qualifying month, 2) Account is enrolled for eStatements (valid email address required) and receives no hard copy statements, and 3) Access online banking once during statement cycle. Great Advantage accounts also require at least one electronic direct/ACH deposit each month.

Rewards for qualifying Great Perks accounts include 2.5% Cash Back on debit card transactions with a $10 maximum per month, and up to $15 in Foreign (non-Great NW) ATM fee(s) will be reimbursed per month, maximum $4 per fee.

Qualifying Great Advantage accounts will receive the qualifying dividend rate and up to $15 in Foreign (non-Great NW) ATM fee(s) will be reimbursed per month, maximum $4 per fee.

9. Fees.
Your accounts and services may be subject to fees as set forth in the Fee Schedule.