IDENTITY VERIFICATION NOTICE

On October 26, 2001, President Bush signed into law the USA Patriot Act. The purpose of this law is to help protect you, your family and our country from terrorism by preventing terrorist financing. We want you to know that Section 326 of this Act requires Guardian Credit Union to verify the identity of all new credit union members. We must also verify the identity of members and non-members added as signatories to and have access to new or existing deposit accounts and loans. We must also retain copies of documents used to verify your identity.

IF YOU ARE AN EXISTING MEMBER who joined Guardian Credit Union before the USA Patriot Act rules became effective we may also need to verify and retain copies of any documents used to verify your identity when you request a new deposit account, apply for a loan or are added as a signatory to a new or existing deposit or loan account.

We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country. Please speak with a staff member if you have any questions or concerns about our identification policies.

FEE SCHEDULE AND SHARE ACCOUNT DISCLOSURE

Dividend Information: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Period for our accounts is quarterly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of the dividend period, and for the example above would be April 1. The dividend rate and APY may change every quarter as determined by the Credit Union's Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full balance account for each day of the period and dividing that figure by the number of days in the period. Dividends will begin to accrue on the business day you deposit noncash items (e.g., checks) to your account. Dividends will be compounded quarterly and credited quarterly to the account. If you close an account, you will forfeit all dividends not yet credited.

No dividends are earned on average daily balances less than $100.00. As of January 1, 2008, for account balances of $100.00 or greater, the dividend rate was 1.25%, and the Annual Percentage Yield was 1.26%.

Minimum Balance Information: In order to maintain this account, you must keep the $25.00 par value of a regular share in this Credit Union.

Transaction Limitations: You may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction during any statement period. 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 may be closed by us.

Fees and Charges: Below is the Rate and Fee Schedule which sets forth certain conditions, rates, fees and charges applicable to your accounts. This schedule is incorporated into your Master Account Agreement with the Credit Union.