⁺⁺⁺  This account is a variable rate and the dividend rates and APYs may change after the account is open. The applicable dividend rate for qualified TrueSaver shares is paid on a Tiered Method, based on average daily balance in the account for the dividend period. Example: As of April 1, 2008, based on an average daily balance of $1,000.00 a dividend rate of 6.785% will be paid only on the portion of the average daily balance that was greater than $0.00 but less than $500.01. The annual percentage yield (APY) for this tier would be 7.00%. A dividend rate of 1.45% will be paid on the portion of the average daily balance that is $500.01 to $1,000.00, with a combined APY of 4.20%. The actual APY paid will vary depending on the average daily balance in the share for the dividend period. The applicable dividend rate for non-qualifying TrueSaver shares is paid on the entire balance of your account. To qualify for TrueSaver dividends, the primary member on the account must provide WPCU with a social security number/taxpayer identification number. For accounts where the primary member on the account is 18 years of age or older, the account must have either direct deposit or eStatements, and have an active checking account. An active checking account is one that has a minimum of four (4) qualifying transactions per dividends period. Qualifying transactions include Bill Pay, ACH debit/credit, debit card, POS, and cleared drafts. Please refer to the TrueSaver Disclosure for additional details.