197 E. Thornton St. 4100 Munson St., NW 1010 W State St. Akron, OH 44309 Canton, OH 44718 Alliance, OH 44601 (330) 253-9106 (330) 492-5700 (330) 823-7930

1255 Mentor Ave. 15808 Chagrin Blvd. Painesville, OH 44077 Shaker Heights, OH 44120 (440) 352-4959 (216) 752-6111

TRUTH-IN-SAVINGS SCHEDULE OF XMAS CLUB – C-VAC CLUB – C-SBC CLUB ACCOUNT DISCLOSURES

Date of Last Declaration September 30, 2015

Rates/APY: .075 / .075 APY Balances $250.00 up to $3,000 .05 / .05 APY Balances over $3,000.00

Balance Method: AVERAGE DAILY BALANCE Dividends Compounded and Credited: QUARTERLY Dividend Period: CALENDAR QUARTER Minimum Average Daily Balance to Earn Rate: $250.00 Minimum Deposit to Open: $1.00 Fees: NONE Withdrawal Limitations DO Apply (See Below)

XMAS CLUBS – Run October to October C-VAC CLUBS – Run May to May C-SBC CLUBS – Run March to March

General Information:

1. AVERAGE DAILY BALANCE is the sum of the account balance each day during the dividend period, divided by the number of days of the time period and multiplied by the stated rate for that period.

2. DATE OF DECLARATION is the date the rate for a given time period was set by the Board of Directors.

3. RATES/APY are set by The Board of Directors. APY or annual percentage yield is the percentage rate that represents the total of dividends to be paid to your account and is based on the stated dividend rate and frequency of compounding and crediting dividends to your account during an annual period. There is a minimum average daily balance of $250.00 to earn Rates/APY.

4. DIVIDENDS are derived from monies earned after required reserves are established during a stated time period. Time periods are calendar quarters that begin on the first day and end on the last day of a designated month. Dividends are compounded and credited quarterly based on a minimum average daily balance of $250.00. XMAS and C-VAC Clubs are TIERED RATE

Administrative Office P.O. Box 848, Akron, OH 44309 www.buckeyecu.org 197 E. Thornton St. 4100 Munson St., NW 1010 W State St. Akron, OH 44309 Canton, OH 44718 Alliance, OH 44601 accounts. The second stated Rate/APY(330) 253-9106 applies to the (330)sum 492-5700 OVER $3,000.00. (330) If 823-7930the account is closed before the dividend period1255 ends, Mentor NOAve. dividends 15808 will Chagrin be credited Blvd. to the account. Painesville, OH 44077 Shaker Heights, OH 44120 (440) 352-4959 (216) 752-6111 5. LIMITATIONS: You may make withdrawals or transfers from these club accounts for a per- transaction fee of $10.00 each without the club account being required to be closed. XMAS CLUB runs October to October, C-VAC CLUB runs May to May and C-SBC runs March to March. All clubs pay out on or around the 10th of the respective months.

BY OPENING YOUR ACCOUNT WITH BUCKEYE STATE CREDIT UNION, YOU AGREE TO CREDIT INQUIRIES AND/OR REPORTS AS DEEMED NECESSARY BY INTERNAL POLICY AND/OR FEDERAL REQUIREMENTS.

Your deposits are insured by American Share Insurance to $250,000.00 per account. Member’s accounts are not insured or guaranteed by any government or government-sponsored agency. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.

______Member Signature Member Account # Date

Administrative Office P.O. Box 848, Akron, OH 44309 www.buckeyecu.org