OPEN-END CREDIT-HOME EQUITY LINES OF CREDIT: THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT FOUR POINTS FEDERAL CREDIT UNION'S HOME EQUITY LINE OF CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms Subject to Change. The rates contained herein are effective as of March 1, 2010. however, the terms described in this disclosure are subject to change any time. If, prior to your signing the loan douments, any of these terms have changed (other than the annual percentafe rate) and you decide, as a result, not to obtain a home equity loan from us, you would be entitled to a refund of any fees that you paid in connection with your application.

Fees. No loan fee calculated as a percentage of the credit limit to be extended or any other fee is imposed by Four Points Federal Credit Union or by a third party for establishing the loan account or the making of the loan. However, certain costs will be incurred by the borrower which may include the actual costs for verification of estimated market value of the property, title lien search, flood plain certification, fee of the closing agent, filing fees and other incidental costs incurred by the credit union or the borrower for services required to complete the loan transactions. These fees generally total between $500 and $1,500. If you ask, we will give you an itemization of the fees you may have to pay for this transaction.

The Annual Percentage Rate. This type of loan has a variable rate feature, and the annual percentage rate, corresponding to the periodic rate, can change as a result. As a result of the change interest rates, the minimum payment amount will not change unless specifically requested by the borrower, instead, such increase in interest may result in additional payment(s) beyond the scheduled number of regular payments in order to pay for the additional interest costs. The annual percentage rate includes only interest and not other costs. The annual percentage rate is based on the value of an index. The index is the Prime Rate as published in the Wall Street Journal plus 1.00%. If a range of rates is published, the higher rate will be used.

Rate Changes. The rate may change on the first day of each calendar quarter. The index rate value used will be as of 10 days before the date of any rate adjustment. The loan rate will increase or decrease as the index increases or decreases from time to time. The credit union, at its sole discretion, may elect to change a rate that is less than the index rate plus the margin. Contact the credit union for current index value, margin and annual percentage rate. After you open a credit line, rate information will be provided on periodic statements that will be sent to you.

Maximum Rate and Payment Examples. The annual percentage rate can change each month. THERE IS NO MAXIMUM ANNUAL PERCENTAGE RATE THAT CAN APPLY. There is no limit on the amount by which the rate can change during any one month period. If your line of credit had a peak balance of $10,000 at 10% annual percentage rate with an amortization period of 180 months (15 years) your monthly payment would be $107.46. If the rate increased to the highest historical rate over the past twenty (20) years, (20.08% index plus 1.00% margin in 1981) you would need to increase your monthly payment to $183.66 in order for your loan to be fully repaid as scheduled.

OPEN-END CREDIT-OTHER THAN HOME EQUITY LINES OF CREDIT: THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT Four Points Federal Credit Union’S OPEN END LOANS OTHER THAN THOSE INVOLVING HOME EQUITY LINES OF CREDIT. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms Subject to Change. The rates contained herein are effective as of March 1, 2010.However, the terms described in this disclosure are subject to change at any time. If, prior to your signing the loan documents, any of these terms have changed (other than the annual percentage rate) and you decide, as a result, not to obtain a loan from us, you would be entitled to a refund of any fee that you paid in connection with your application.

Finance Charges. No minimum, fixed, transaction, activity or similar charge is associated with Four Points Federal Credit Union open ended credit.

The Annual Percentage Rate. The applicable annual percentage rate for open ended credit loans is as provided for in the above rate information. These rates are variable and are subject to change.

Membership or Participation Fees. You must be a member of the Four Points Federal Credit Union to obtain a loan from Four Points Federal Credit Union. There is no membership or participation fee associated with that membership and no such fee is imposed for obtaining a loan.

CLOSED-END CREDIT THIS DISCLOSURE NOTICE CONTAINS IMPORTANT INFORMATION ABOUT FOUR POINTS FEDERAL CREDIT UNION’S CLOSED END-CREDIT LOANS. YOU SHOULD READ IT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS. Terms of Repayment. First mortgage real estate loans are available both on a variable and fixed rate plan. Fixed rate loans are made only on terms up to 60 months, with the exception of extended term vehicle loans which may be made at fixed rates up to 72 months. All loan of terms longer than these will be made only at variable rates of interest. Long term fixed rate first mortgage loans are available through a program with Federal Home Loan Bank.

The Annual Percentage Rate. The Annual Percentage Rate for closed end credit loans are subject to change. At the currently published interest rates, the repayment terms would be as described in the charts for each product.

Interest Rate Change. The rates contained herein are effective as of March 1, 2010. However, the rates and terms described in this disclosure concerning variable rate loans are subject to change at any time. FOUR POINTS FEDERAL CREDIT UNION IS AN EQUAL HOUSING LENDER, AND EQUAL OPPORTUNITY LENDER AND COMPLIES WITH ALL REQUIREMENTS OF THE FEDERAL TRUTH IN LENDING ACT AND APPLICABLE REGULATIONS. ADDITIONAL DISCLOSURES REQUIRED BY LAW AND REGULATIONS MAY BE PROVIDED TO YOU AT VARIOUS TIMES DURING THE PROCESSING OF YOUR REQUEST AS REQUIRED BY LAW.

ELECTRONIC FUNDS TRANSFER DISCLOSURE, NOTICE OF TERMS AND CONDITIONS The purpose of this notice is to advise credit union members of the terms and conditions in regard to the electronic transfer of funds by means of wire transfers and Automated Clearing House (ACH). In particular, you need to understand your liability. The credit union will rely on instructions and information provided by you to make such transfers. If incorrect information is provided, you are liable for any loss of funds or costs associated with correcting errors. 1. This notice applies to funds transfers as defined in Article 4a of the Uniform Commercial Code, and Subpart B of Regulation J of the Board of Governors of the Federal Reserve System. 2. The credit union may establish or change cut-off times for the receipt and processing of funds transfer requests, amendments, or cancellations. Unless other times are announced for the various types of funds transfers, the cut-off time will be at 3:00 p.m. Central Time Zone on each weekday that the credit union is open which is not a holiday. Payment orders, cancellations, or amendments received after the cut-off time may be treated as having been received on the next following funds transfer business day and processed accordingly. 3. The credit union may charge your account for the amount of any funds transfer initiated by you or any person authorized by you as a joint tenant or other authorized party with the right of access to the account from which the funds transfer is to be made. I. Wire Transfers 4. If you send or receive a wire transfer, Fedwire may be used. Regulation J is the law covering all Fedwire transactions. This means that your rights and liabilities in a wire transfer involving Fedwire will be governed by Federal Reserve Regulation J. 5. If you give the credit union a payment order which identifies the beneficiary (recipient of funds) by both name and identifying account number, payment may be made by the beneficiary's bank on the basis of the identifying account number, even if that number identifies a person different than the named beneficiary. This means that you will be responsible to the credit union if the funds transfer is completed on the basis of an incorrect identifying account number you provided. 6. If you give the credit union a payment order which identifies an intermediary or beneficiary's bank by both name and identifying number, a receiving bank my rely on that number as the proper identification, even if it identifies a different institution other than the named bank. This means that you will be responsible for any loss or expenses incurred by a receiving bank which executes or attempts to execute the payment order in reliance on the identifying number you provided. Note to Items 5 and 6: In providing wire transfer instructions to the credit union, you will provide the name of a bank and its routing number. You will also provide the name of the person to receive the funds and that person's account number. The transfer will be made on the basis of the routing and account numbers. If these numbers are incorrect, they may result in funds being transferred another bank or another person. If this should happen because of incorrect information you provided, you will be liable for the misdirected funds. II. Automated Clearing House (ACH) 7. The credit union may give you credit for Automated Clearing House (ACH) payments before it receives final settlement of the funds transfer. Any such credit is provisional until the credit union receives final settlement of the payment. You are hereby notified that if the credit union does not receive such final settlement, that it is entitled to a refund from you of the amount credited to you in connection with that ACH entry. This means that the credit union may provide you with access to ACH funds before the credit union actually receives the money. However, if the credit union does not receive the money, then it may reverse the entry on your account and you would be liable to repay the credit union. 8. ACH transaction are governed by operating rules of the National Automated Clearing House Association. In accordance with these rules, the credit union will not provide you with next day notice of receipt of ACH credit transfers to your account. You will continue to receive notice of receipt of ACH items in the periodic account statements which we provide. 9. If the credit union becomes obligated under Article 4a of the Uniform Commercial Code to pay interest to you in regard to any misdirected funds, the rate of interest to be paid shall be equal to the dividend rate, on a daily basis, applicable to the account at the credit union to which the funds transfer should have been made or from which the funds transfer was made. III. Electronic Check Conversion 10. You may use information from your share draft to initiate a one-time electronic fund transfer from your account. Electronic Funds Transfer Disclosures. If you believe that an unauthorized electronic fund transferred has occurred notify Four Points Federal Credit Union immediately at 800-323-2786 or at 510 North 127th Street, Omaha, NE 68154. Four Points Federal Credit Union is open Monday through Friday except on Federal Holidays or unless otherwise notified, from the hours of 8:00 a.m. to 4:45 p.m. Central Time. There is a fee of $2.00 per wire transfer for transfers of $300 or more and a fee of $15.00 per transfer for amounts of less than $300.You will receive a monthly statement which shall include all electronic transfers made during the period. If you have told the Credit Union in advance to make regular payments out of your account, you may stop any of these payments by calling us at 800-323-2786 or write us at 510 North 127th Street, Omaha, NE 68154 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call we may also require that you put your request in writing within 14 days of your call. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. Provided however, we will not be liable: If, through no fault of ours, you do not have enough money in you account to make the transfer, if the transfer would go over the credit limit on your overdraft line, if circumstances beyond our control, such as fire or flood, prevent the transfer, despite reasonable precautions we have taken or other exceptions described in our agreement with you. We will disclose information to third parties about your account or the transfers you make where it is necessary for completing the transfers, in order to verify the existence and conditions of your account for a third party, in order to comply with a governmental agency or court order or if you give us your written permission. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS, telephone us at 800-323-2786 or write us at 514 North 127th Street, Omaha, NE 68154 immediately. In order to confirm your electronic funds transfer please call us at 800-323-2786.