Money Market Account Truth-In-Savings Disclosure

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

1. Rate Information. The dividend rates and Annual Percentage Yields on your accounts are set forth on the Money Market Account Rates Page. The money market dividend rate and Annual Percentage Yield are variable and may change weekly, as determined by the Harborstone Credit Union's Asset Liability Committee (ALCO). The money market account is a tiered-rate account. Once a particular balance range is met, the dividend rate and Annual Percentage Yield for that balance range will apply to the full balance in your account. To the extent money market principal is withdrawn, earnings will be reduced.

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. The dividend rate and Annual Percentage Yield set forth on the Money Market Account Rates page are accurate as of the effective date, which the credit union anticipates paying for the applicable dividend period.

3. Compounding and Crediting. Dividends will be compounded and credited monthly. The dividend period is monthly, beginning on the first calendar day of the month and ending on the last calendar day of the month.

4. Balance Information. The minimum balances required to open each account are set forth on the Money Market Account Rates page. The money market account minimum balance of $2,500 must be maintained to obtain the stated Annual Percentage Yield and avoid a monthly service fee. Dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full amount of the principal in the account for each day of the period and dividing that figure by the number of days in the period. The minimum balance to avoid a service fee must be maintained each day of the dividend period.

5. Accrual of Dividends. Dividends will begin to accrue on non-cash deposits (e.g. checks) within two (2) business days of deposit, but no later than the day we receive provisional credit. If you close your money market account before accrued dividends are credited, accrued dividends will not be paid.

6. Transaction Limitations. No more than six (6) preauthorized, automatic, telephone transfers may be made from this account to another account of yours or to a third party in any month. And no more than three (3) of these six (6) transfers may be made by check, draft, or debit to a third party. If you exceed these limitations, your money market account may be subject to a fee or be closed. The minimum money market account withdrawal amount is $250.

Additional Rate and Fee Information

Please review and keep with your records.

The rates appearing in the Rate and Fee Schedule are the accurate rates in effect for your money market as of the effective date indicated on the Money Market Accounts Rates page. Harborstone Credit Union may offer other rates or may amend the rates contained in this schedule at anytime. If you have any questions about your accounts, please call member service at (253) 584-2260 or toll-free at 1-800-523-3641.

Miscellaneous Account Fees

Wallet Check Fee For Select Money Market Account	None
Duplicate Check Fee For Select Money Market Account	Prices Vary
Overdraft Fee From Select Money Market Account (Automatic transfers from savings are limited to six (6) per calendar month)	$5 per use
Minimum Balance Fee (If incurred)	$8.00 monthly
Money Market Closure Fee (Within 90 days of account opening, with no closure fee thereafter)	$20
Money Market Nonsufficient Funds (NSF) Fee	$25 / item returned; $25 / item paid
Stop Payment Fee (Signed request remains in effect for six (6) months or until cancelled)	$20 per request
Check Copy Fee (First two (2) per statement period at no fee)	$2.00 each
Account Reconciliation Fee	$15 per hour
Statement Copy Fee	$2.00
Account History Printout Fee	$2.00
Deposit Item Return Fee	$5 per item
Returned Item Fee	$25