Community Financial

Account Disclosures as of 5/05/08				Except as specifically described, the following disclosures apply to all of the accounts. All rates and fees are subject to change at the sole discretion of the Credit Union Board of Directors. Fees could reduce earnings. The rates appearing in our Rate Schedule are accurate and effective for as of the date indicated. If you have any questions or require current rate information on your accounts, please contact the credit union. The credit union reserves the right to change terms in the account agreement or disclosure. Primary Share Accounts Youth Accounts Sub-Share Accounts Holiday Club Accounts Checking Accounts Fresh Start Checking Accounts Courtesy Pay Information Individual Retirement Accounts (IRA) Investment Savings Account Share Certificates Common Features Schedule of Fees

Primary Share Accounts				Rate information The dividend rate for this account is determined at the discretion of the board of directors. The Dividend Rate and Annual Percentage Yield are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Dividend Rate and Annual Percentage Yield may change at any time. Nature of dividends Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Dividend period For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividends periods follow this same pattern of dates. The dividends declaration date is the same as the ending date of a dividend period, and, for the example above is January 31. Effect of closing an account If you close your account before dividends are paid, you will not receive the accrued dividends. Daily balance computation method Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Minimum balance to open The minimum balance to open this account is $5.00. Minimum balance to obtain the disclosed annual percentage yield You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed Annual Percentage Yield. Minimum balance to avoid a fee You must maintain an average monthly balance of $100.00 in your account and maintain additional account relationship(s) (other shares or loans) to avoid a fee. If during any month your account balance falls below the required average monthly balance, your account will be subject to a fee of $3.00 for that month. Addition limitations You may make unlimited additions into your account. Transfer limitations During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure. Fees may apply as set forth in the Fee Schedule. Withdrawal notice We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal.

Youth Accounts				All disclosures apply to KIRBY KANGAROO Club (age 0-12) and New Attitudes Club (age 13-17) members except: Minimum balance to open The minimum balance to open a youth account is $5.00. Minimum balance to obtain the disclosed annual percentage yield There is no minimum balance to obtain the disclosed Annual Percentage Yield for primary shares of youth accounts. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Addition limitations When the account is opened, you may not make additions into the account until the maturity date stated on the account. Withdrawal limitations You may not make partial withdrawals of principal from your account before maturity. You may make a withdrawal of the balance of your account before maturity (subject to early withdrawal penalty).

Sub-Share Accounts				Rate information The dividend rate for this account is determined at the discretion of the board of directors. The Dividend Rate and Annual Percentage Yield are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Dividend Rate and Annual Percentage Yield may change at any time. Nature of dividends Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Dividend period For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividends periods follow this same pattern of dates. The dividends declaration date is the same as the ending date of a dividend period, and, for the example above is January 31. Effect of closing an account If you close your account before dividends are paid, you will not receive the accrued dividends. Daily balance computation method Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Minimum balance to obtain the disclosed annual percentage yield You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed Annual Percentage Yield. Addition limitations You may make unlimited additions into your account. Transfer limitations During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure. Withdrawal notice We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal.

Holiday Club				Rate information The dividend rate for this account is determined at the discretion of the board of directors. The Dividend Rate and Annual Percentage Yield are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Dividend Rate and Annual Percentage Yield may change at any time. Nature of dividends Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Dividend period For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividends periods follow this same pattern of dates. The dividends declaration date is the same as the ending date of a dividend period, and, for the example above is January 31. Effect of closing an account If you close your account before dividends are paid, you will not receive the accrued dividends. Daily balance computation method Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Minimum balance to open There is no minimum balance to open this account. Minimum balance to obtain the disclosed annual percentage yield There is no minimum balance required to obtain the disclosed Annual Percentage Yield. Addition limitations You may make unlimited additions into your account. Withdrawal limitations You may make unlimited withdrawals from this account. Each withdrawal will be subject to a $10.00 fee. Transfer limitations During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, or telephonic order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure. Withdrawal notice We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal.

Checking Accounts				Rate information The dividend rate for this account is determined at the discretion of the board of directors. The Dividend Rate and Annual Percentage Yield are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Dividend Rate and Annual Percentage Yield may change at any time. Nature of dividends Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Dividend period For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividends periods follow this same pattern of dates. The dividends declaration date is the same as the ending date of a dividend period, and, for the example above is January 31. Effect of closing an account If you close your account before dividends are paid, you will not receive the accrued dividends. Average daily balance computation method Dividends are calculated by the average daily balance method which applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Minimum balance to open The minimum balance to open this account is $100.00. Minimum balance to obtain the disclosed annual percentage yield You must maintain a minimum average daily balance of $1,000.00 in your account each day to obtain the disclosed Annual Percentage Yield. Addition limitations You may make unlimited additions into your account. Withdrawal notice We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal.

Fresh Start Checking				Rate information The dividend rate for this account is determined at the discretion of the board of directors. The Dividend Rate and Annual Percentage Yield are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Dividend Rate and Annual Percentage Yield may change at any time. Nature of dividends Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Dividend period For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividends periods follow this same pattern of dates. The dividends declaration date is the same as the ending date of a dividend period, and, for the example above is January 31. Effect of closing an account If you close your account before dividends are paid, you will not receive the accrued dividends. Average daily balance computation method Dividends are calculated by the average daily balance method which applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Minimum balance to open The minimum balance to open this account is $100.00. Minimum balance to obtain the disclosed annual percentage yield You must maintain a minimum average daily balance of $1,000.00 in your account each day to obtain the disclosed Annual Percentage Yield. Addition limitations You may make unlimited additions into your account. Withdrawal notice We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal. Additional limitations An ATM card will be available after 30 days on accounts with a balance of $100 or more, no NSF activity or any new ChexSystem records. A Visa Check Card will be available after six months on accounts with a balance of $100 or more, no NSF activity or any new ChexSystem records. Account may be eligible to convert to a regular checking account after 12 months if no more than 5 insufficient checks are processed. The account will be closed after 6 non-sufficient funds checks are presented to this account. Other fees may apply as set forth in the Fee Schedule.

Checking Account Agreement				The credit union is authorized to pay share drafts (checks) signed by any of the account owners and to charge all such payments against the shares in this Account. It is further agreed that: a) Only share draft blanks (and other methods) approved by the Credit Union may be used to make withdrawals from this Account. b) The Credit Union is under no obligation to pay a share draft that exceeds the fully paid and collected share balance in this Account. However, if any of the owner(s) writes a share draft that would exceed such balance and result in this Account being overdrawn, the Credit Union may: 1) Treat such share draft as a request to the Credit Union for an advance (in multiples of $100) from any line of credit of any owner of this account sufficient to permit the Credit Union to pay such share draft and credit the loan advance to this Account; or 2) If none of the owner(s) is then eligible to receive a loan advance as provided above, the Credit Union may, nevertheless, pay such share draft and transfer shares to this Account in the amount of the resulting overdraft, plus a service charge, from any other share account from which any of the owner(s) is then eligible to withdraw shares. c) The Credit Union may pay a share draft on whatever day it is presented for payment, notwithstanding the date (or any other limitation on the time of payment) appearing on the share draft. d) When paid, share drafts become the property of the Credit Union and will not be returned either with the periodic statement of this Account or otherwise. e) Except for negligence, the Credit Union is not liable for any action it takes regarding the payment or nonpayment of a share draft. f) Any objection respecting any item shown on a periodic statement of this Account is waived unless made in writing to the Credit Union before the end of 60 days after the statement is mailed. g) Notwithstanding paragraph b), the Credit Union is not obligated to advance any funds on a line of credit.

Courtesy Pay Information				Courtesy Pay is a service that allows us to pay an item written on our member's checking account even if it causes the account to become overdrawn – up to the authorized overdraft limit. Courtesy Pay may provide certain accountholders in "good standing" with the ability to overdraw their checking account up to $500, or $200 for members under 18 years of age. The Courtesy Pay limit includes any overdraft fees assessed. If the account has been maintained in good standing, defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every twenty days or less, and; C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds and/or Courtesy Pay charge(s). Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay charge or a Non-Sufficient Funds charge but you will not be charged both fees. Our Fee Schedule states the fee charged for paying your overdrafts. Courtesy Pay offers additional flexibility and convenience in managing accountholder funds, and provides peace of mind knowing that items may be paid up to the authorized overdraft limit. Using Courtesy Pay may be more costly than other overdraft options we may offer. Please speak to a representative to see if you qualify. This non-contractual courtesy of paying overdrafts requires no accountholder action. It is not a loan. No additional agreements need to be signed, and it cost nothing unless the privilege is used - by initiating checks, electronic funds transfers, or other payment or withdrawal requests for more than is on deposit in the account. If you maintain the account in good standing and have need for this "courtesy", we may, at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account our normal Non Sufficient Funds and/or Courtesy Pay charge for each item that overdraws the account. You then have up to 20 days to bring the account current. We will send you a notice each time an overdraft occurs. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (”opt-out”). If you receive a direct deposit Social Security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Courtesy Pay allows Community Financial Credit Union to provide a higher level of service to our members by helping to protect your account and reputation when an inadvertent overdraft occurs. If you have questions, do not hesitate to call Member Services at (417) 862-0471 or (888) 430-7199.

Individual Retirement (IRA) Accounts				Rate information The dividend rate for this account is determined at the discretion of the board of directors. The Dividend Rate and Annual Percentage Yield are the rates and yields as of the last dividend declaration date which is set forth in the Rate Schedule. The Dividend Rate and Annual Percentage Yield may change at any time. Nature of dividends Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Dividend period For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividends periods follow this same pattern of dates. The dividends declaration date is the same as the ending date of a dividend period, and, for the example above is January 31. Effect of closing an account If you close your account before dividends are paid, you will not receive the accrued dividends. Daily balance computation method Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Minimum balance to obtain the disclosed annual percentage yield You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed Annual Percentage Yield. Addition limitations You may make unlimited additions into your account. Withdrawal notice We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal.

Investment Savings Accounts				Rate information The dividend rate for this account is determined at the discretion of the board of directors. Tier 1 - As of the last dividend declaration date, if your daily balance was $2,500.00 or more, but less than $10,000.00, the first Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. Tier 2 - As of the last dividend declaration date, if your daily balance was $10,000.00 or more, but less than $25,000.00, the second Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. Tier 3 - As of the last dividend declaration date, if your daily balance was $25,000.00 or more, the third Dividend Rate and Annual Percentage Yield listed for this account in the Rate Schedule will apply. The Dividend Rates and Annual Percentage Yield may change at any time. Nature of dividends Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Dividend period For this account type, the dividends period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividends periods follow this same pattern of dates. The dividends declaration date is the same as the ending date of a dividend period, and, for the example above is January 31. Effect of closing an account If you close your account before dividends are paid, you will not receive the accrued dividends. Daily balance computation method Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Minimum balance to open The minimum balance to open this account is $2,500.00. Minimum balance to obtain the disclosed annual percentage yield You must maintain a minimum daily balance of $2,500.00 in your account each day to obtain the disclosed Annual Percentage Yield. Minimum balance to avoid a fee You must maintain a minimum balance of $2,500.00 in your account to avoid a fee. If during any month your account balance falls below the required minimum daily balance, your account will be subject to a fee of $10.00 for that month. Addition limitations You may make unlimited additions into your account. Withdrawal limitations The minimum withdrawal amount on this account is $100. Withdrawal notice We reserve the right to at any time require not less than seven days’ notice in writing before each withdrawal.

Share Certificates				Rate information You will be paid this rate until next maturity. Crediting frequency Dividends will be credited into this account monthly. Compounding frequency Dividends will be compounded monthly. Early withdrawal penalties (a penalty will be imposed for withdrawals before maturity) We may impose a penalty if you withdraw any of the principal before the maturity date. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: The penalty schedule is as follows: 3 month term - 30 days interest; 6 month term - 60 days interest; 9 month term - 90 days interest; Terms of one year or more - 180 days interest. How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if dividends have already been paid, the penalty will be deducted from the principle. 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. Withdrawal of dividends prior to maturity The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Automatically renewable account Your account will automatically renew at maturity. Each renewal term will be the same as the original term, beginning on the maturity date. Unless we tell you otherwise in writing, the dividend rate will be the same we offer on new share certificate accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original share certificates account. You will have a grace period of ten calendar day(s) after maturity to withdraw the funds without being charged an early withdrawal penalty. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period, if any) or we receive written/telephone notice from you before maturity of your intention not to renew. Final maturity If your account is not renewed, the funds in your account will be placed in a dividend-bearing account. Daily balance computation method Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Accrual of dividends on noncash deposits Dividends will begin to accrue on the business day you place noncash items (for example, checks) into your account. Addition limitations You may not make additions into the account until the maturity date stated on the account. Withdrawal limitations You may not make partial withdrawals of principal from your account before maturity. You may make a withdrawal of the balance of your account before maturity (subject to early withdrawal penalty).

Common Features				Bylaw requirements You must complete payment of one share into your Share Savings account(s) as a condition of admission to membership. The par value of a share is $5.00. National Credit Union Administration Insurance This credit union is federally insured by the National Credit Union Administration. Schedule of Fees

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