New Fee Disclosure

Dear Valued Member,

Darigold Federal Credit Union is proud to be your financial institution of choice. The recent failure of
California-based IndyMac, the largest regulated thrift to fail in the last 20 years, has prompted some
of our members to ask the question: Are my deposits safe? The answer is yes, all insured shares at
the credit union are safe and secure. Darigold Federal Credit Union is federally insured by the National
Credit Union Share Insurance Fund (NCUSIF), which is administered by the National Credit Union
Administration (NCUA). The NCUSIF insures your savings up to at least $100,000, with higher coverage
amounts available for members with more than one account relationship, and certain retirement accounts
insured up to $250,000.

While credit unions and banks are both full-service financial institutions, credit unions differ from banks in
that credit unions are not-for-profit financial cooperatives who are in business only to serve our members'
needs. Unlike other financial providers, we're interested in our members' long-term financial health and want
to be sure we help them make good long-term financial decisions. We exist to serve our members, not profit
from them.

In these difficult economic times, people are seriously examining their financial options and discovering that
credit unions remain the first and best choice for managing their financial future. Often lauded as the ultimate
self-help tool, cooperative credit unions like Darigold Federal Credit Union remain true to the credit union credo:
Not for profit, not for charity, but for service.

Despite our best efforts, operational costs have risen, and in order to maintain our high quality of
service & security, it is necessary that we raise our fees for certain services. Please find enclosed an
updated Fee Schedule, which will be effective September 1, 2008 . Please contact our office if you have
any specific questions or concerns regarding how these fees may or may not affect your accounts at
Darigold Federal Credit Union.

Sincerely,

The Staff Of Darigold Federal Credit Union

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