"New Beginnings" Checking Account Disclosure

• First order of 50 checks free.

• No monthly user fee.*

• Four free ATM withdrawals per month.*

• No minimum balance required.

• No dividend paid on this account.

* After your 25th Birthday, a direct deposit of at least $300.00 monthly is required in order to continue to receive four free ATM withdrawals and the $2.00 per month user fee waived.

LCU is not responsible for charges made by other institutions.

This is a part of Truth in Savings disclosure. For complete information on rate calculation and annual percentage yield, please see our RATE DISCLOSURE.