Addendum to East County Schools Federal Credit Union

Truth-in-Savings Disclosure and Agreement.

General Information: In the following agreement the words "YOU", "YOUR", "YOURS" and "MEMBER" mean each and all of those (whether one or more persons) who are subject to the agreement(s) as a result of signing a Membership Application / Signature Card for this Account. The words "WE", "US", "OUR", "Credit Union" and ECSFCU means the East County Schools Federal Credit Union.

Minimum Balance to Open: A minimum initial deposit of $20.00 is required to open a Teen Checking Account.

Minimum Balance Requirement: None.

Dividend Rates: This account is a non-interest bearing account.

Electronic Services Limitations: You will be limited to $300 per day for Debit Card POS or ATM Transactions. You will be limited to $300 per day for Signature Debit Transactions.

Fees and Charges: Refer to our Schedule of Fees and Charges.

Additional Terms and Conditions: Teen Checking is only available to those members who are between the ages of 13 and 17 at the time the account is opened and are currently a fulltime student. A Parent or Legal Guardian must be a signor on the account. The Credit Union will pay for one (1) box of 25 personal checks per year.

"Good Grades" Bonus Rewards: The Student can earn a "Good Grades" bonus reward of $10 by submitting their report card showing a GPA of 3.00 or higher. Report card must be submitted no later than 45 days after the date of the report. Only two (2) report cards can be submitted each year. Student must have a minimum of eight (8) checking transactions during the semester, have no NSF checks or overdrawn account activity and must be enrolled in eStatements to earn a Good Grades bonus.

This is a limited Truth-in-Savings Disclosure and Account Agreement, view all disclosure and account information.