CUSTOMER IDENTIFICATION REQUIREMENTS

In accordance with Section 326 of the USA PATRIOT Act of 2001 Chattahoochee Federal Credit Union is required to obtain, verify, and record documents used in identifying our new members and in identifying signatory individuals added to an existing or new account. In some cases, identification will be requested for those members conducting business with Chattahoochee Federal Credit Union prior to the effective date of the customer identification requirements because original documentation was not obtained with the opening of the account, or Chattahoochee Federal Credit Union is unable to form a reasonable belief that it knows the true identity of the existing member. In all cases protection of our members identity and confidentiality is Chattahoochee Federal Credit Unions pledge to you.

DEPOSIT ACCOUNT RATE DISCLOSURES

Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Disclosure and in the Rate Schedule are share accounts.

1. Rate Information. The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For all accounts, the Dividend Rate and Annual Percentage Yield may change quarterly as determined by the Credit Union's Board of Directors. The Dividend Rates and Annual Percentage Yields are the rates and yield as of the last dividend declaration date, which is set forth in the Rate Schedule.

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

3. Dividend Compounding and Crediting. The compounding and crediting frequency of dividends and dividend period applicable to each account are stated in the Rate Schedule. The Dividend Period is the period of time at the end of which an account earns dividend credit. 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. For all accounts, 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, you will not receive the accrued dividends.

5. Balance Information. To open any account you must deposit or already have on deposit at least the par value of one full share in a Share account. The par value amount is stated in the Fee Schedule. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For Regular Share Savings, Rainbow Share Savings, Club Share Savings, and IRA Share Savings accounts, there is a minimum Average Daily Balance required to avoid a service fee for the dividend period. If the minimum average daily balance is not met during the dividend period, there will be a service fee as stated in the Fee Schedule. For Regular Share Savings, Rainbow Share Savings, Club Share Savings, and IRA Share Savings accounts, there is a minimum Average Daily Balance required to earn the Annual Percentage Yield disclosed for the dividend period. If the minimum average daily balance is not met, you will not earn the Annual Percentage Yield stated in the Rate Schedule. For accounts using the Average Daily Balance method as stated on the Rate Schedule, 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 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.

6. Account Limitations. For Regular Share Savings, Rainbow Share Savings, Club Share Savings, and IRA Share Savings accounts, no more than six (6) preauthorized, automatic, or telephone transfers may be made from each account to another account 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 card to a third party. If you exceed these limitations, your account may be subject to a fee or be closed. For Club Share Savings accounts, Open-fee imposed: $10.00 per withdrawal after 2nd withdrawal in calendar year. For Share Checking accounts, no account limitations apply. For Regular Share Savings accounts a fee may be imposed as stated in the Fee Schedule for additional withdrawals after the first (1st) withdrawal in a calendar month. For Rainbow Share savings accounts a fee may be imposed as stated in the Fee Schedule for additional withdrawals after the first (1st) withdrawal in a calendar quarter. For Club Share Savings accounts a fee may be imposed as stated in the Fee Schedule for additional withdrawals after the second (2nd) withdrawal in a calendar year. For Share Checking Accounts, no account limitations apply.

7. Fees for Overdrawing Accounts. Fees may be imposed on each check, draft, item, ATM card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in you account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information.