PERSONAL
Checking
Primary Checking Gold Checking
Savings
Primary Savings Account Special Savings Medical Savings Certificate Accounts IRA Account IRA Certificates Money Market Account Club Account Kirby Kangaroo Club Kids Account
Consumer Loans
Auto Loans Credit Builder Loans Line of Credit (Overdraft Protection) Motorycle, Boat, Jet Ski, ATV & Snowmobile Loans Recreational Vehicle Loans Savings/Certificate Secured Loan Unsecured Loans (Signature) ADDvantage Direct Deposit Advance Loan Other Secured Loans
Online & Convenience Services
e-Banking e-Statements Online Bill Pay Text Banking

BUSINESS
Business Checking
Large Business Checking Account Small Business Checking Account Community/Non-Profit Checking Account
Business Loans
SBA Loans Business Loans Business Line of Credit Business Machinery and Equipment Loans Commercial 1st Mortgage Commercial Construction Loan
Business Savings
Primary Savings Account Special Savings Certificate Accounts Money Market Account
VISA® Credit Cards
VISA® Classic VISA® Savings Secured
Special Promotions
Featured Business Partners
Good Sense Business Solutions Drew Construction, Inc Garden Valley Properties Lazaris Realty
Vehicles For Sale

LOANS
Consumer Loans
Auto Loans Credit Builder Loans Line of Credit (Overdraft Protection) Motorycle, Boat, Jet Ski, ATV & Snowmobile Loans Recreational Vehicle Loans Savings/Certificate Secured Loan Unsecured Loans (Signature) ADDvantage Direct Deposit Advance Loan Other Secured Loans
Business Loans
SBA Loans Business Loans Business Line of Credit Business Machinery and Equipment Loans Commercial 1st Mortgage Commercial Construction Loan
Mortgage Loans
Time Saving Suggestions 1st Mortgage Fixed Fixed Rate Home Equity Loan Home Equity Line of Credit
Special Promotions
Vehicles For Sale

Personal

Primary Savings Account

DESCRIPTION

The Primary Savings Account is the base account that is required to establish membership in the credit union.

GENERAL OPTIONS

Minimum opening balance is $5
Minimum average daily balance of $50 required to earn monthly dividends
Statements are mailed quarterly; monthly when the member has a Checking Account
Members have access to funds through e-Banking, TXT banking, 24 Hour Phone Teller, VISA® Check Card (with checking account), and ATMs worldwide
Dividends are paid based on the balance in the account
OPEN A NEW ACCOUNT

	DIVIDEND RATE	APY^*
$0-$49	.000%	.000%
$50-$2,499	.100%	.100%
$2,500-$24,999	.150%	.150%
$25,000-$99,999	.250%	.250%
$100,000 & Over	.350%	.351%

The dividend rates for this account are determined at the discretion of the Board of Directors. See current rate sheet for dividend information. Dividend rates and annual percentage yields may change at any time.
Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Crediting frequency – Dividends will be credited into this account monthly.
Compounding frequency – Dividends will be compounded monthly.
Dividend period – For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date precedes the ending date of a dividend period, and for the example above is December 31.
Effect of closing an account – If you close your account before dividends are paid, you will not receive the accrued dividends.
Average daily balance computation method – Dividends are calculated by the average daily method which applies a periodic rate to the average daily balance in the account for the 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. The period we use to make this calculation is monthly.
Accrual of dividends on non-cash deposits – Dividends will begin to accrue on the business day you place non-cash items (for example, checks) into your account.
Minimum balance to open – The minimum balance required to open this account is $5.00.
Minimum balance to obtain the disclosed annual percentage yield– You must maintain a minimum average daily balance of $50.00 in your account to obtain the disclosed annual percentage yield.
Addition limitations – You may make unlimited additions to your account.
Limitations on frequency of transfers – During any statement period, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer, or telephonic order or instruction. 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 will be subject to closure.
Withdrawal notice – We reserve the right to require not less than sixty days’ notice in writing before each withdrawal.
Quarterly Maintenance Fee – A maintenance fee of $5.00 may be assessed at the end of each quarter if your account balance at the end of each calendar quarter is less than $100.00. This fee will be waived for minors and

MY ACCOUNTS LOGIN

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We are committed to providing quality products and services that will enable our members to meet their financial goals. Protecting personal information and using it in a manner consistent with member expectations is a high priority for us.

Members of our credit union also have a responsibility to safeguard their financial information.

To ensure our commitment, we stand behind the following privacy policy:

Our credit union will collect only the personal information that is necessary to conduct our business. That means just what is necessary and no more.
Our credit union will protect your personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers is protected. Where appropriate, we will use security-coding techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.
You will always have access to your information. As a member of our credit union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.
Our credit union will only share information when absolutely necessary. We will only share information with other businesses in order administer the products and services we provide, or when required to do so by law.
Our credit union will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members' economic well being. Under no circumstances will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.
Our credit union will offer you a choice in how your information is used. Any member of our credit union may elect to keep information from being shared with our business partners. We will inform you on how to exercise your choice, and will take all reasonable steps to make sure your requests are followed.

The Les Bois FCU Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Les Bois FCU Web Site constitutes your agreement to all such terms, conditions, and notices.

Modification of these terms of use:

Les Bois FCU reserves the right to change the terms, conditions, and notices under which the Les Bois FCU Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Les Bois FCU Site/Services constitutes your agreement to all such terms, conditions, and notices.

Personal and non-commercial use limitation:

Unless otherwise specified, the Les Bois FCU Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Les Bois FCU site.

Links to third party sites:

The Les Bois FCU Site/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Les Bois FCU and Les Bois FCU is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Les Bois FCU is not responsible for webcasting or any other form of transmission received from any Linked Site nor is Les Bois FCU responsible if the Linked Site is not working appropriately. Les Bois FCU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Les Bois FCU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the Les Bois FCU Site/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Les Bois FCU shall not be responsible or liable for any part of any such dealings or promotions.

No unlawful or prohibited use:

As a condition of your use of the Les Bois FCU Site/Services, you will not use the Les Bois FCU Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Les Bois FCU Site/Services in any manner which could damage, disable, overburden, or impair any Les Bois FCU Site/Service(s) (or the network(s) connected to any Les Bois FCU Site/Service(s)) or interfere with any other party's use and enjoyment of any Les Bois FCU Site/Service(s). You may not attempt to gain unauthorized access to any Les Bois FCU Site/Service, other accounts, computer systems or networks connected to any Les Bois FCU Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Les Bois FCU Sites/Services.

Service Contact:

Termination/Access Restriction:

Les Bois FCU reserves the right, at its sole discretion, to terminate your access to the Les Bois FCU Site/Services and the related services or any portion thereof at any time, without notice.

Les Bois FCU may also terminate or suspend your access to Les Bois FCU Site/Service(s) for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Les Bois FCU. Upon termination of the Les Bois FCU Site/Service, your right to use the Les Bois FCU Site/Service immediately ceases. Les Bois FCU shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

Copyright and trademark notices:

Any rights not expressly granted herein are reserved.

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