TRUTH IN SAVINGS DISCLOSURE

TRUTH IN SAVINGS - Regular Share Accounts

for Women's Southwest FCU (on 12/31/09 Cal

Feminist FCU became the Pacific Coast Branch

of Women's Southwest FCU)

Dividends on non-cash deposits accrue from date of

deposit to date of withdrawal. Dividends are calculated

by the Average Daily Balance (ADB) method which applies

a periodic rate to the Average Daily Balance in the account

for the period. The Average Daily Balance equals the balance

of the account each day of the period divided by the number

of days in the period. Dividends are paid quarterly. Dividends

are forfeited if the account is closed before quarter-end.

During the 3rd month of each quarter our board of directors

declares dividends to be paid for that quarter. Dividends

are paid from current income and available earnings after

required transfers to reserves at the end of a dividend period.

The dividend rate & Annual Percentage Yield (APY) may

change quarterly based on the determination of the directors.

Dividends are compounded quarterly & credited to accounts

once a quarter on the last day thereof. Example: the first quarter

of each year begins January 1 & ends March 31; dividends for

that quarter will be paid on March 31. All other dividend

periods follow this same pattern of dates.

TRANSACTION LIMITATIONS: regardless of account balance,

there is a limit of 5 withdrawals per regular share account

per month. Withdrawals which bring the balance below $25 will

close the account. :

To see the rates declared for the most recent quarter, click on

Savings Rates. The stated rate that corresponds to an applicable

deposit is/was paid on the full balance of the account.

Statutory lien: If you are in default on a financial obligation to us,

federal law gives us the right to apply the balance of shares and

dividends in your account (s) at the time of default to satisfy that

obligation. Once you are in default, we may exercise this right

without further notice to you.

FEES MAY BE CHARGED TO ACCOUNTS FOR SERVICES

TO MEMBERS.

Some items marked "free" are available to Members-In-Good-

Standing only.

The fees in the table below were mailed to members of Cal

Feminist FCU on 11/25/09. They were published on this Web

site on 12/3/09. They were mailed to members of Women's

Southwest FCU on 1/28/10.

Regular Amount	Women's Southwest FCU FEES (What they are for)
/////////////////	MINIMUM BALANCE REQUIREMENT TO:
$25	Open regular share account--and keep it open
$50	*Open* checking account--and keep it open
$251 average balance	Earn dividends on regular share account
$1,000	Take out a Share Certificate

/////////////////	CHECKING ACCOUNT FEES:
free	Monthly Fee
$20	Paid Overdrafts
$25	Returned check (in excess of overdraft protection)

/////////////////	OTHER SERVICE FEES:
$2 each	Account Activity Printout
free	Account-opening fee
$10/hour	Account Reconciliation (one-hour minimum)
$10/hour	Account Research (1-hour minimum)
*free*	ACH regular
//////////////	ACH returned (see "Returned Financial Transactions" below)
$10	ACH if we post contrary to instructions.
///////	Certified Mail (see "Send via Certified, Express Mail" below)
$5	Dormant Account inactive 3 years CA, 5 yrs. TX, etc.
//////////	DMV (non-dealer): if dealer won't handle title transfer on car, motor home, motorcycle (see "Time to transfer motor vehicle")
free	Education: articles, pamphlets, worksheets, resources and tutoring on such topics as: credit, money- management, car-buying. Resources for such things as: business loans & education; mortgage loans & education; tax-preparation; temporary housing, etc
$2/notice we have to send to you	Escheat notice (sent to depositors whose savings accounts are inactive for 2 - 2.5 years in California, 4 to 4.5 years in Texas, etc. Requirements vary by state of your residence.)
///////////	Excessive withdrawals on share account (see "Monthly" )
//////////	Express Mail (see "Send via Certified, Express Mail" below)
//////////////////	FedEx (send an item to you in that manner) " " " " " " "-
*varies*	Items Sent for Collection
Varies	Legal Process
////////////	Mail returned (see "Returned mail")
$5/month	Monthly for 5 or more checks drawn on regular share account
$6	Resubmit (re-deposit) returned check
//////////	Returned Financial Transactions
$20	--ACH
$10	--Check or money order deposited in shares
$25	--Check or money order paid on loan
$5	Returned mail (that we had sent to you). When we send mail to the most current address** we have on file for you and the post office returns it to us for reasons such as these: "Forwarding Order Expired," "Undeliverable As Addressed," "Not At This Address," "Unable to Forward" and so on.
$7 + cost	**Send via Certified Mail, Express Mail, FedEx, UPS, etc.**
//////////	Share Certificate Early Withdrawal Penalty
90 days	--Term of 1 year (number of days of dividends)
120 days	--Term of 2 years (number of days of dividends)
///////////	Statement Copy
$2/copy	--For current member
$24/hour	--For former member
$25	Stop payment Order
$50 minimum	Surety Bond (on top of Stop Payment Order fee if check was payable to a party other than the member)
$25 CA/ TX	Time to transfer motor vehicle title if dealer does not (plus actual DMV fees.)
$99 other states
$19	Western Union (Domestic)
$25	Western Union (International)
$19	Wire Transfer (Outgoing - Domestic)
$25	Wire Transfer (Outgoing - International)

**To find out how to change your address in keeping with our privacy-protection

and fraud-prevention concerns, click on Address Change

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