Dividends of Communitywide Federal Credit Union

		Daily		Monthly		Quarterly
Daily Balance		Savings		Funds-1		Funds-3
		APR	APY	APR	APY	APR	APY
$100	to $499	0.00%	0.00%	1.19%	1.20%	--------	-------
$500	to $999	0.00%	0.00%	1.19%	1.20%	--------	-------
$1,000	to $1,999	0.00%	0.00%	1.19%	1.20%	--------	--------
$2,000	to $4,999	1.00%	1.00%	1.49%	1.50%	1.99%	2.00%
$5,000	to $9,999	1.19%	1.20%	1.69%	1.70%	2.18%	2.20%
$10,000	& more	1.69%	1.70%	2.18%	2.200%	2.67%	2.70%

Minimum Balance to open Account:		$5.00		$50.00		$2,000
Minimum Balance to earn Dividend:		$2,000.00		$100.00		$2,000
Dividends Earned each:		Day		Day		Day
Dividends paid at end of each:		Month		Month		Month
Deposits may be made:		Any Time		Any Time		1^st2months of each Quarter
No penalty for withdrawals:		Any Time		1^st 5 days of each month		1^st 5 days of each calendar quarter
Penalty on withdrawn amount:		None		7 days dividends		30 days dividends
(at highest rate paid on account)

Certificates of Deposit / Term Share Certificate!	APY
6 Month Term	3.00%
12 Month Term	3.30%
18 Month Term	3.30%
24 Month Term	3.30%
30 Month Term	3.30%
36 Month Term	3.30%
48 Month Term	3.30%
60 Month Term	3.30%

All Certificates have a $5,000.00 Minimum
Early Withdrawal Penalty: Any funds withdrawn before the Maturity Date will be assessed a penalty equal to 35% of the dividends that would be earned by those funds during the entire term.

Dividends earned will be paid at the end of each month and added to the share type selected.