This disclosure supplements your Membership Disclosure Statement and other applicable disclosures. Please keep these documents together for your records.

PRIME SHARE ACCOUNT
A $5 deposit in a Prime Share Account and the payment of a one-time $5 membership fee makes you a shareholder (owner) of the Credit Union.

TARGET SHARE ACCOUNT
A Target Share Account can only be opened by an established member who already has a Prime Share Account. ATM access to this account is not permissible.

INDIVIDUAL RETIREMENT ACCOUNT SHARE ACCOUNTS
For information relating to IRA and for IRS restrictions on early withdrawals and tax penalties contact any branch office or call the Member Service Center at (707) 449-4000 or toll free at (800) 877-8328.

COVERDELL EDUCATION SAVINGS ACCOUNTS (CESA)
For information relating to CESA's and for IRS restrictions on early withdrawals and tax penalties contact any branch office or call the Member Service Center at (707) 449-4000 or toll free at (800) 877-8328.

*PRIME SHARE ACCOUNT - Quarterly Low Balance Fee …………….. $6.00
Assessed if you are over 18 years of age, your combined average quarterly balances in your savings, money market, checking and certificates within the same account number are less than $100 and you have no outstanding TCU loan balances. The fee will also be waived regardless of balance if there are 3 transactions per month on your checking account.

TIERED RATES ON PRIME SHARE AND TARGET SHARE ACCOUNTS
The table at the top of this disclosure shows the current dividend rates and APY for each balance tier.  End-of-day balances will earn different daily dividend rates depending on the applicable tier.  For example, if your end-of day balance is $7,000, you would earn the dividend rate shown in the table above for the $5,000.01 to $10,000.00 balance range for that day on the entire balance and if next day your end-of day balance is $500, you would earn the dividend rate shown in the table above for the $100.00 to $5,000.00 balance range for that day on the entire balance.

DIVIDEND INFORMATION
Dividends begin to accrue on the business day you make a deposit regardless of whether the deposit is cash or non-cash, but do not accrue on the date of withdrawal for the amount of the withdrawal. Dividends are paid on a monthly basis on the first day of each month following the dividend period. For example, the beginning date of the first dividend period of the year is January 1, and the ending date of the dividend period is January 31. The dividends would be posted following the end of the dividend period, which for this example would be February 1. This dividend and the resulting Annual Percentage Yield Earned (APY Earned) in this example would appear on the February statement. All other dividend periods follow this pattern of dates.

Dividends are compounded monthly on a 365/365 basis, using the daily balance method. The dividend rate is divided by 365 days a year to determine the daily periodic rate. The daily periodic rate is then calculated against the principal balance in the account each day.

If you close your account before dividends are credited, we may credit these accrued dividends at the time you close your account.

At our discretion, we may change the dividend rate and applicable Annual Percentage Yield on your account at any time without prior notice. Current dividend rates appear on your statement.

ANNUAL PERCENTAGE YIELD (APY)
The Annual Percentage Yield (APY) is a percentage rate that measures the total amount of dividends paid on an account based on the dividend rate and the frequency of compounding for a twelve-month period. The APY calculation is based on an assumed term of 365 days. If you withdraw dividends before this period, it may reduce your earnings.

TERMS AND CONDITIONS
The following terms and conditions governing your Share (savings) Accounts constitute a mutually protective service agreement between you and Travis Credit Union (the “Credit Union”). The Membership Disclosure Statement is included by reference.

CHANGE IN TERMS
The Credit Union reserves the right to change the terms and conditions of your account at any time, including the Schedule of Fees and Charges. The Credit Union will advise you at least (30) calendar days in advance of the effective date of any changes that affect your account.

1. You must open and maintain a $5 minimum balance in a Prime Share Account before you can open any other account or obtain any service from the Credit Union. Please refer to the Membership Disclosure Statement.

2. All non-cash deposits are received and credited by the Credit Union subject to final collection. Please refer to our Funds Availability Brochure.

3. The Credit Union may refuse to accept for deposit checks that appear to have been altered, that we believe are invalid or nonnegotiable or that are not payable to you.

4. The Credit Union reserves the right, at its sole discretion, to refuse to open a share account or to accept any further deposits to any existing account.

STATEMENTS
All ATM, Electronic Transfers or Call-24 transactions will be reported with your regular account activity on a statement mailed to your address of record. For this reason, always keep the Credit Union informed if your mailing address changes. If you only have a Share (Savings) Account, you will receive a statement at least once each calendar quarter. You will only receive a monthly statement when ATM, Electronic Transfers or Call-24 activity has occurred. If you have an active Share Draft (checking) Account, you will automatically receive a statement each month, even if no ATM or Call-24 activity has occurred.

Statements are mailed at the convenience of the Credit Union, usually near the beginning of the month.  If you would like a statement prior to the time one is normally furnished, you can request a printout of account history from the branch. The charge for this special printout service is listed on the Schedule of Fees and Charges.

TRANSFER LIMITATIONS
Certain types of withdrawals are limited by federal regulations. Transfers from a Share Account by preauthorized, automatic (including transfers to cover overdrafts on your checking account), online, or telephone transfers are limited to six per month with no more than three transfers or similar order to third parties. There is no limit to the number of withdrawals made to you in person, at an ATM or through the mail.

NOTICE OF WITHDRAWAL
Credit Union bylaws permit the right to require 60 days written notice of your intention to withdraw or transfer shares.