Common use of Automated Teller Machines Clause in Contracts

Automated Teller Machines. Funds from any deposits (cash or checks) made at ATMs we own or operate will not be available until the first business day after the day of your deposit. This rule does not apply at ATMs that we do not own or operate. All ATMs that we own or operate are identified as our machines. DEPOSITS MADE BY REMOTE DEPOSIT CAPTURE Refer to Separate Agreement. DEPOSITS MADE BY MOBILE DEVICE Refer to Separate Agreement. TRUTH-IN-SAVINGS DISCLOSURE This section is not applicable to non-consumer accounts. SIMPLY FREE CHECKING Minimum balance to open the account - You must deposit $50 to open this account. EASY INTEREST CHECKING Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000*. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). PRESIDENT’S CHOICE CHECKING Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,500*. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). PASSBOOK/IRA SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Fees: See Fee Schedule for IRA Fees STATEMENT SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You are not limited to the number of transfers you can make on your account, in person, by mail, by messenger, or through an ATM. However, federal regulations limit the number of transfers and electronic payments from a Statement Savings Account to a maximum of six (6) per monthly statement cycle from the following categories: preauthorized transfers, including overdraft protection; automatic or telephone transfers; and electronic transactions, including online transactions, checks, debit card payments to third parties, automated clearing house (ACH) transactions and wire transfers. After three (3) violations, we have the right to convert your account to a Simply Free Checking Account.

Automated Teller Machines. Funds from any deposits (cash or checks) made at ATMs we automated teller machines (ATMs) We do not own or operate operate, or shared branch locations, will not be available until the first fifth business day after the day of your Your deposit. This rule does not apply Funds from all other check deposits will be available on the eleventh business day after the day of Your deposit. Funds from any deposits made at ATMs that we do owned or operated by AACFCU will not own or operate. All ATMs that we own or operate are identified as our machines. DEPOSITS MADE BY REMOTE DEPOSIT CAPTURE Refer to Separate Agreement. DEPOSITS MADE BY MOBILE DEVICE Refer to Separate Agreementbe available for at least 24 hours. TRUTH-IN-SAVINGSDISCLOSURE REGULAR XXXXX, SAVE YOUR WAY, SHARE AND YOUTH SAVINGS DISCLOSURE This section is not applicable to non-consumer accounts. SIMPLY FREE CHECKING Minimum balance to open the account - You must deposit $50 to open this account. EASY INTEREST CHECKING ACCOUNT Rate Information - Your interest The dividend rate and annual percentage yield may changechange every dividend period. Frequency of rate changes - We may change the interest dividend rate on your for Your account at any time. Determination as determined by the Credit Union board of rate - At our discretion, we may change the interest rate on your accountdirectors. Compounding and crediting frequency - Interest Crediting – Dividends will be compounded every monthquarter. Interest Dividends will be credited to your Your account every monthquarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is March 31. If your accrued interest this account type is less than $.01 your closed during the dividend period and before the dividend declaration date, Your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interestdividends for that period. Minimum balance to open the account - You must deposit $50 Balance Requirements – The minimum required to open this accountaccount is the purchase of a share in the Credit Union. Minimum Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum average daily balance of $5.00 in Your account to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if obtain the disclosed annual percentage yield. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the statement cycle falls below $1,000*period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - The period We use is the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each dayquarterly statement cycle. Accrual of interest Dividends on noncash deposits - Interest begins Noncash Deposits – Dividends will begin to accrue on the business day you deposit You place noncash items (for example, checks)) to Your account. PRESIDENT’S CHOICE CHECKING Transaction Limitations – During any statement period, You may not make more than six withdrawals or transfers to another Credit Union account of Yours or to a third party by means of a preauthorized, automatic or computer transfer or telephonic order or instruction. If You exceed the transfer limitations set forth above in any statement period, Your account will be subject to closure by Credit Union. Par Value of a Share – The par value of a share in this account is $5.00. CHRISTMAS CLUB ACCOUNT Rate Information - Your interest The dividend rate and annual percentage yield may changechange every dividend period. Frequency of rate changes - We may change the interest dividend rate on your for Your account at any time. Determination as determined by the Credit Union board of rate - At our discretion, we may change the interest rate on your accountdirectors. Compounding and crediting frequency - Interest Crediting – Dividends will be compounded every monthquarter. Interest Dividends will be credited to your Your account every monthquarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If your accrued interest this account type is less than $.01 your closed during the dividend period and before the dividend declaration date, Your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interestdividends for that period. Minimum balance to open the account - You must deposit $50 Balance Requirements – The minimum required to open this accountaccount is the purchase of a share in the Credit Union. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if Please see the bylaw requirements in the Common Features section for additional information. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the statement cycle falls below $1,500*period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - The period We use is the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each dayquarterly statement cycle. Accrual of interest Dividends on noncash deposits - Interest begins Noncash Deposits – Dividends will begin to accrue on the business day you deposit You place noncash items (for example, checks)) to Your account. PASSBOOK/Transaction Limitations – You may not make any withdrawals or transfers to another Credit Union account of Yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before club ending, then this account will be charged $10.00 for each transfer or withdrawal. IRA SAVINGS ACCUMULATION ACCOUNT Rate Information - Your interest – The dividend rate and annual percentage yield may changechange every dividend period. Frequency of rate changes - We may change the interest dividend rate on your for Your account at any time. Determination as determined by Credit Union board of rate - At our discretion, we may change the interest rate on your accountdirectors. Compounding and crediting frequency - Interest or Crediting – Dividends will be compounded every monthquarter. Interest Dividends will be credited to your Your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Fees: See Fee Schedule for IRA Fees STATEMENT SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You are not limited to the number of transfers you can make on your account, in person, by mail, by messenger, or through an ATM. However, federal regulations limit the number of transfers and electronic payments from a Statement Savings Account to a maximum of six (6) per monthly statement cycle from the following categories: preauthorized transfers, including overdraft protection; automatic or telephone transfers; and electronic transactions, including online transactions, checks, debit card payments to third parties, automated clearing house (ACH) transactions and wire transfers. After three (3) violations, we have the right to convert your account to a Simply Free Checking Accountquarter.

Automated Teller Machines. Funds from any deposits (cash or checks) made at ATMs automated teller machines (ATMs) we do not own or operate will not be available until the first fifth business day after the day of your deposit. This rule does not apply at ATMs that we do not own or operate. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will not be available until the second business day after the day of your deposit. All ATMs that we own or operate are identified as our machines. DEPOSITS MADE BY REMOTE DEPOSIT CAPTURE Refer Deposits at Other Locations This availability policy only applies to Separate Agreementfunds deposited at our locations. DEPOSITS MADE BY MOBILE DEVICE Refer to Separate AgreementPlease inquire for information about the availability of funds deposited at other locations. TRUTH-IN-SAVINGS DISCLOSURE This section is not applicable to non-consumer accounts. SIMPLY FREE CHECKING Minimum balance to open the account - You must deposit $50 to open this account. EASY INTEREST CHECKING REGULAR SHARE SAVINGS ACCOUNT Rate Information - Your interest Information: The dividend rate and annual percentage yield may changechange every month. Frequency of rate changes - We may change the interest dividend rate on for your account at any timeas determined by the credit union board of directors. Determination of rate - At our discretion, we Rate and fee information may change be found in the interest rate on your accountSavings Rate Schedule and Fee Schedule. Compounding and crediting frequency - Interest Dividends will be compounded every month. Interest Dividends will be credited to your account every month. If your accrued interest Dividend period - For this account type, the dividend period is less than $.01 your account will not be creditedmonthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. Effect All other dividend periods follow this same pattern of closing an account - If you close your account before interest dates. Though dividend declaration date is credited, you will not receive the accrued interestlast day of the dividend period and for the example above is January 31. Minimum balance to open the account - You must deposit $50 requirements: The minimum required to open this account. Minimum balance to avoid imposition account is the purchase of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000*. The average daily balance is calculated by adding the principal a share in the account for each day of credit union. Please see the period and dividing that figure by the number of days bylaw requirements in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yieldCommon Features section for additional information. Daily balance computation method - We use Dividends are calculated by the daily balance method to calculate the interest on your account. This method which applies a daily periodic rate to the principal balance in the account each day. Accrual of interest dividends on noncash deposits - Interest begins Dividends will begin to accrue on the business day you deposit place noncash items (for example. checks) to your account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Par value of a share: The par value of a share in this account is $5.00. CLASSIC CHECKING (SHARE DRAFT) Minimum balance requirements: You must maintain a minimum daily balance of $1,000 in your account to avoid a service charge fee. If, checks)during any monthly statement cycle, your account balance falls below the required minimum daily balance, your account will be subject to a service charge fee as disclosed in the Fee Schedule. PRESIDENT’S CHOICE Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. SOLID INTEREST CHECKING (SHARE DRAFT) Rate Information - Your interest Information: The dividend rate and annual percentage yield may changechange every month. Frequency of rate changes - We may change the interest dividend rate on for your account at any timeas determined by the credit union board of directors. Determination of rate - At our discretion, we Rate and fee information may change be found in the interest rate on your accountSavings Rate Schedule and Fee Schedule. Compounding and crediting frequency - Interest Dividends will be compounded every month. Interest Dividends will be credited to your account every month. If your accrued interest Dividend period - For this account type, the dividend period is less than $.01 your account will not be creditedmonthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. Effect All other dividend periods follow this same pattern of closing an account - If you close your account before interest dates. The dividend declaration date is credited, you will not receive the accrued interestlast day of the dividend period and for the example above is January 31. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,500*. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - requirements: You must maintain a minimum daily balance of $.01 2,500 in your account to avoid a service charge fee. If, during any monthly statement cycle. Your account balance falls below the required minimum daily balance; your account will be subject to a service charge fee as disclosed in the account each day to obtain the disclosed annual percentage yieldFee Schedule. Daily balance computation method - We use Dividends are calculated by the daily balance method to calculate the interest on your account. This method which applies a daily periodic rate to the principal balance in the account each day. Accrual of interest dividends on noncash deposits - Interest begins Dividends will begin to accrue on the business day you deposit place noncash items (for example, checks)) to your account. PASSBOOK/IRA SAVINGS Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. xXXXXXXXX ACCOUNT (SHARE DRAFT) Rate Information - Your interest Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $ 0.20 will be charged for each item in excess of 10 during a month. Transaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. IUK COUGARS CHECKING (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $.25 will be charged for each item in excess of 15 during the month. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. KOKOMO EDGE CHECKING (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $ .25 will be charged for each item in excess of 15 during the month Transaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. CHECKING II (SHARE DRAFT) Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Fees and charges: A monthly service fee of $10.00 will be charged each month. No more than two NSFs in a 30-day period. After two NSFs the account will be closed. UNITED CHECKING (SHARE DRAFT) Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. Fees and Charges: No more than two NSF's in a 30 day period. After two NSF's the account will be closed. Rate Information: No dividends are paid on this account. PREMIER INVESTMENT ACCOUNT Rate Information: The dividend rate and annual percentage yield may changechange every dividend period. Frequency of The dividend rate changes for your account is based on the 3- month T-Bill closed rate as published in The Wall Street Journal. The balance in the account will determine the dividend rate: Balances from $0.00 to $49,999.99 3-month T-bill minus 1.00% Balances $50,000.00 and greater 3-month T-bill minus .50% Rate Cap - We may change the interest The rate on your the account at any time. Determination has a cap or maximum rate that can be earned, of rate - At our discretion3.50% Annual Percentage Yield on balances greater that $50,000, we may change the interest rate and 3.00% Annual Percentage Yield on your accountbalances les that $50,000. Compounding and crediting frequency - Interest Dividends will be compounded every month. Interest Dividends will be credited to your account every month. If your accrued interest Dividend period - For this account type, the dividend period is less than $.01 your account will not be creditedmonthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. Effect All other dividend periods follow this same pattern of closing an account - If you close your account before interest dates. The dividend declaration date is credited, you will not receive the accrued interestlast day of the dividend period and for the example above is January 31. Minimum balance requirements: No minimum balance requirements apply to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use Dividends are calculated by the daily balance method to calculate the interest on your account. This method which applies a daily periodic rate to the principal balance in the account each day. Accrual of interest dividends on noncash deposits - Interest begins Dividends will begin to accrue on the business day you deposit place noncash items (for example, checks)) to your account. FeesTransaction limitations: See New money deposits only: Transfers from other Solidarity accounts not applicable. Please refer to our separate Fee Schedule for IRA Fees STATEMENT additional information about charges. MONEY MARKET SAVINGS Rate Information - Your interest Information: The dividend rate and annual percentage yield may changechange every dividend period. Frequency of rate changes - We may change the interest dividend rate on for your account at any timeas determined by the credit union board of directors. Determination of rate - At our discretion, we Rate information may change be found in the interest rate on your accountSavings Rate Schedule. Compounding and crediting frequency - Interest Dividends will be compounded every month. Interest Dividends will be credited to your account every month. If your accrued interest Dividend period - For this account type. The dividend period is less than $.01 your account will not be creditedmonthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. Effect All other dividend periods follow this same pattern of closing an account - If you close your account before interest dates. The dividend declaration date is credited, you will not receive the accrued interestlast day of the dividend period and for the example above is January 31. Minimum balance requirements: No minimum balance requirements apply to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use Dividends are calculated by the daily balance method to calculate the interest on your account. This method which applies a daily periodic rate to the principal balance in the account each day. Accrual of interest dividends on noncash deposits - Interest begins Dividends will begin to accrue on the business day you deposit place noncash items (for example, checks)) to your account. Transaction limitations: You No more than six withdrawals are allowed each month. During any month, you may not limited make more than six withdrawals or transfers to the number another credit union account of transfers you can make on your account, in person, by mail, by messenger, yours or through an ATM. However, federal regulations limit the number of transfers and electronic payments from a Statement Savings Account to a maximum third party by means of a preauthorized or automatic transfer, telephonic order or instruction, computer transfer or draft. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union. Fees and charges: An excessive withdrawal fee of $5.00 will be charged for each withdrawal in excess of six (6) per monthly statement cycle from the following categories: preauthorized transfers, including overdraft protection; automatic or telephone transfers; and electronic transactions, including online transactions, checks, debit card payments to third parties, automated clearing house (ACH) transactions and wire transfers. After three (3) violations, we have the right to convert your account to during a Simply Free Checking Accountmonth.

Automated Teller Machines. Funds from any deposits (cash or checks) made at ATMs automated teller machines (ATMs) we do not own or operate will not be available until the first fifth business day after the day of your deposit. This rule does not apply at ATMs that we do not own or operate. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will not be available until the second business day after the day of your deposit. All ATMs that we own or operate are identified as our machines. DEPOSITS MADE BY REMOTE DEPOSIT CAPTURE Refer Deposits at Other Locations This availability policy only applies to Separate Agreementfunds deposited at our locations. DEPOSITS MADE BY MOBILE DEVICE Refer to Separate AgreementPlease inquire for information about the availability of funds deposited at other locations. TRUTH-IN-SAVINGS DISCLOSURE This section is not applicable to non-consumer accounts. SIMPLY FREE CHECKING Minimum balance to open the account - You must deposit $50 to open this account. EASY INTEREST CHECKING REGULAR SHARE SAVINGS ACCOUNT Rate Information - Your interest Information: The dividend rate and annual percentage yield may changechange every month. Frequency of rate changes - We may change the interest dividend rate on for your account at any timeas determined by the credit union board of directors. Determination of rate - At our discretion, we Rate and fee information may change be found in the interest rate on your accountSavings Rate Schedule and Fee Schedule. Compounding and crediting frequency - Interest Dividends will be compounded every month. Interest Dividends will be credited to your account every month. If your accrued interest Dividend period - For this account type, the dividend period is less than $.01 your account will not be creditedmonthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. Effect All other dividend periods follow this same pattern of closing an account - If you close your account before interest dates. Though dividend declaration date is credited, you will not receive the accrued interestlast day of the dividend period and for the example above is January 31. Minimum balance to open the account - You must deposit $50 requirements: The minimum required to open this account. Minimum balance to avoid imposition account is the purchase of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,000*. The average daily balance is calculated by adding the principal a share in the account for each day of credit union. Please see the period and dividing that figure by the number of days bylaw requirements in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yieldCommon Features section for additional information. Daily balance computation method - We use Dividends are calculated by the daily balance method to calculate the interest on your account. This method which applies a daily periodic rate to the principal balance in the account each day. Accrual of interest dividends on noncash deposits - Interest begins Dividends will begin to accrue on the business day you deposit place noncash items (for example. checks) to your account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Par value of a share: The par value of a share in this account is $5.00. CLASSIC CHECKING (SHARE DRAFT) Minimum balance requirements: You must maintain a minimum daily balance of $1,000 in your account to avoid a service charge fee. If, checks)during any monthly statement cycle, your account balance falls below the required minimum daily balance, your account will be subject to a service charge fee as disclosed in the Fee Schedule. PRESIDENT’S CHOICE Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. SOLID INTEREST CHECKING (SHARE DRAFT) Rate Information - Your interest Information: The dividend rate and annual percentage yield may changechange every month. Frequency of rate changes - We may change the interest dividend rate on for your account at any timeas determined by the credit union board of directors. Determination of rate - At our discretion, we Rate and fee information may change be found in the interest rate on your accountSavings Rate Schedule and Fee Schedule. Compounding and crediting frequency - Interest Dividends will be compounded every month. Interest Dividends will be credited to your account every month. If your accrued interest Dividend period - For this account type, the dividend period is less than $.01 your account will not be creditedmonthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. Effect All other dividend periods follow this same pattern of closing an account - If you close your account before interest dates. The dividend declaration date is credited, you will not receive the accrued interestlast day of the dividend period and for the example above is January 31. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,500*. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - requirements: You must maintain a minimum daily balance of $.01 2,500 in your account to avoid a service charge fee. If, during any monthly statement cycle. Your account balance falls below the required minimum daily balance; your account will be subject to a service charge fee as disclosed in the account each day to obtain the disclosed annual percentage yieldFee Schedule. Daily balance computation method - We use Dividends are calculated by the daily balance method to calculate the interest on your account. This method which applies a daily periodic rate to the principal balance in the account each day. Accrual of interest dividends on noncash deposits - Interest begins Dividends will begin to accrue on the business day you deposit place noncash items (for example, checks). PASSBOOK/IRA SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on ) to your account. Compounding and crediting frequency - Interest will be compounded every monthTransaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open xXXXXXXXX ACCOUNT (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a balance: There is no minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest requirement on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Fees: See Fee Schedule for IRA Fees STATEMENT SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance Fees and Charges: A per item fee of $ 0.20 will be charged for each item in excess of 10 during a month. Transaction Limitations: No transaction limitations apply to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 this account unless otherwise stated in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You are not limited to the number of transfers you can make on your account, in person, by mail, by messenger, or through an ATM. However, federal regulations limit the number of transfers and electronic payments from a Statement Savings Account to a maximum of six (6) per monthly statement cycle from the following categories: preauthorized transfers, including overdraft protection; automatic or telephone transfers; and electronic transactions, including online transactions, checks, debit card payments to third parties, automated clearing house (ACH) transactions and wire transfers. After three (3) violations, we have the right to convert your account to a Simply Free Checking AccountCommon Features Section.

Automated Teller Machines. Funds from any deposits (cash or checks) made at ATMs we own or operate automated teller machines (ATMs) will not be available until the first business day after the day of your deposit. This rule does The first $200 of a deposit made at an ATM will be available immediately. Deposits allowed at CO-OP ATMs only. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) cannot apply at ATMs that we do not own or operatebe processed the same as checks drawn on U.S. financial institutions. All ATMs that we own or operate Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are identified as our machinesexempt from the policies outlined in this disclosure. DEPOSITS MADE BY REMOTE DEPOSIT CAPTURE Refer Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes to Separate Agreement. DEPOSITS MADE BY MOBILE DEVICE Refer to Separate Agreementcollect the funds from the financial institution upon which it is drawn. TRUTH-IN-SAVINGS DISCLOSURE This section is not applicable to non-consumer accounts. SIMPLY FREE CHECKING Minimum balance to open the account - You must deposit $50 to open this account. EASY INTEREST CHECKING SHARE SAVINGS ACCOUNT Rate Information - Your interest Information: The dividend rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination , as determined by the credit union board of rate - At our discretion, we may change the interest rate on your accountdirectors. Compounding and crediting frequency - Interest Dividends will be compounded every month. Interest Dividends will be credited to your account every month. If your accrued interest Dividend period - For this account type, the dividend period is less than $.01 your account will not be creditedmonthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. Effect All other dividend periods follow this same pattern of closing an account - dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If you close your account before interest is crediteddividends are paid, you will not receive the accrued interestdividends. Minimum balance to open the account - You must deposit $50 requirements: The minimum balance required to open this accountaccount is $25.00. Minimum Refer to our fee schedule for the minimum balance required to avoid the imposition of fees on this account. Refer to our rate schedule for the minimum balance required to earn the disclosed annual percentage yield for this account. Average daily balance computation method - A monthly maintenance service charge fee will be imposed every statement cycle if Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the statement cycle falls below $1,000*period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain The period we use is the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each daymonthly statement cycle. Accrual of interest dividends on noncash deposits - Interest begins Dividends will begin to accrue on the business day you deposit place noncash items (for example, checks). PRESIDENT’S CHOICE CHECKING Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on ) to your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if the average daily balance for the statement cycle falls below $1,500*. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). PASSBOOK/IRA SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Fees: See Fee Schedule for IRA Fees STATEMENT SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You are During any calendar month, you may not limited make more than six withdrawals or transfers to the number another credit union account of transfers you can make on your accountyours or to a third party by means of a preauthorized, in person, by mail, by messengerautomatic, or through an ATM. Howevercomputer transfer, federal regulations limit the number of transfers and electronic payments from a Statement Savings Account telephonic order or instruction, or by check, draft debit card, or similar order to a maximum of six (6) per monthly statement cycle from third party. If you exceed the following categories: preauthorized transferstransfer limitations set forth above, including overdraft protection; automatic or telephone transfers; and electronic transactions, including online transactions, checks, debit card payments to third parties, automated clearing house (ACH) transactions and wire transfers. After three (3) violations, we have the right to convert your account may be subject to closure by the credit union. Par value of a Simply Free Checking Account.share: The par value of a share in this account is $5.00. Fees and charges: A monthly maintenance fee may apply. See our fee schedule for details. An excessive savings account withdrawal fee will be charged for each withdrawal in excess of four during a calendar month. See our fee schedule for details. HOLIDAY SAVINGS ACCOUNT

Automated Teller Machines. Funds from any deposits (cash or checks) made at ATMs we automated teller machines (ATMs) We do not own or operate operate, or shared branch locations, will not be available until the first fifth business day after the day of your Your deposit. This rule does not apply Funds from all other check deposits will be available on the eleventh business day after the day of Your deposit. Funds from any deposits made at ATMs that we do owned or operated by AACFCU will not own or operate. All ATMs that we own or operate are identified as our machines. DEPOSITS MADE BY REMOTE DEPOSIT CAPTURE Refer to Separate Agreement. DEPOSITS MADE BY MOBILE DEVICE Refer to Separate Agreementbe available for at least 24 hours. TRUTH-IN-SAVINGSDISCLOSURE REGULAR XXXXX, SHARE AND YOUTH SAVINGS DISCLOSURE This section is not applicable to non-consumer accounts. SIMPLY FREE CHECKING Minimum balance to open the account - You must deposit $50 to open this account. EASY INTEREST CHECKING ACCOUNT Rate Information - Your interest The dividend rate and annual percentage yield may changechange every dividend period. Frequency of rate changes - We may change the interest dividend rate on your for Your account at any time. Determination as determined by the Credit Union board of rate - At our discretion, we may change the interest rate on your accountdirectors. Compounding and crediting frequency - Interest Crediting – Dividends will be compounded every monthquarter. Interest Dividends will be credited to your Your account every monthquarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is March 31. If your accrued interest this account type is less than $.01 your closed during the dividend period and before the dividend declaration date, Your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interestdividends for that period. Minimum balance to open the account - You must deposit $50 Balance Requirements – The minimum required to open this accountaccount is the purchase of a share in the Credit Union. Minimum Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum average daily balance of $5.00 in Your account to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if obtain the disclosed annual percentage yield. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the statement cycle falls below $1,000*period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - The period We use is the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each dayquarterly statement cycle. Accrual of interest Dividends on noncash deposits - Interest begins Noncash Deposits – Dividends will begin to accrue on the business day you deposit You place noncash items (for example, checks)) to Your account. PRESIDENT’S CHOICE CHECKING Transaction Limitations – During any statement period, You may not make more than six withdrawals or transfers to another Credit Union account of Yours or to a third party by means of a preauthorized, automatic or computer transfer or telephonic order or instruction. If You exceed the transfer limitations set forth above in any statement period, Your account will be subject to closure by Credit Union. Par Value of a Share – The par value of a share in this account is $5.00. CHRISTMAS CLUB ACCOUNT Rate Information - Your interest The dividend rate and annual percentage yield may changechange every dividend period. Frequency of rate changes - We may change the interest dividend rate on your for Your account at any time. Determination as determined by the Credit Union board of rate - At our discretion, we may change the interest rate on your accountdirectors. Compounding and crediting frequency - Interest Crediting – Dividends will be compounded every monthquarter. Interest Dividends will be credited to your Your account every monthquarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If your accrued interest this account type is less than $.01 your closed during the dividend period and before the dividend declaration date, Your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interestdividends for that period. Minimum balance to open the account - You must deposit $50 Balance Requirements – The minimum required to open this accountaccount is the purchase of a share in the Credit Union. Minimum balance to avoid imposition of fees - A monthly maintenance service charge fee will be imposed every statement cycle if Please see the bylaw requirements in the Common Features section for additional information. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the statement cycle falls below $1,500*period. The average daily balance is calculated by adding the principal balance in the account for each day of the period and dividing that figure by the number of days in the period. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - The period We use is the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each dayquarterly statement cycle. Accrual of interest Dividends on noncash deposits - Interest begins Noncash Deposits – Dividends will begin to accrue on the business day you deposit You place noncash items (for example, checks)) to Your account. PASSBOOK/Transaction Limitations – You may not make any withdrawals or transfers to another Credit Union account of Yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before club ending, then this account will be charged $10.00 for each transfer or withdrawal. IRA SAVINGS ACCUMULATION ACCOUNT Rate Information - Your interest – The dividend rate and annual percentage yield may changechange every dividend period. Frequency of rate changes - We may change the interest dividend rate on your for Your account at any time. Determination as determined by Credit Union board of rate - At our discretion, we may change the interest rate on your accountdirectors. Compounding and crediting frequency - Interest or Crediting – Dividends will be compounded every monthquarter. Interest Dividends will be credited to your Your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Fees: See Fee Schedule for IRA Fees STATEMENT SAVINGS Rate Information - Your interest rate and annual percentage yield may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. If your accrued interest is less than $.01 your account will not be credited. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $50 to open this account. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $50 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the business day you deposit noncash items (for example, checks). Transaction limitations: You are not limited to the number of transfers you can make on your account, in person, by mail, by messenger, or through an ATM. However, federal regulations limit the number of transfers and electronic payments from a Statement Savings Account to a maximum of six (6) per monthly statement cycle from the following categories: preauthorized transfers, including overdraft protection; automatic or telephone transfers; and electronic transactions, including online transactions, checks, debit card payments to third parties, automated clearing house (ACH) transactions and wire transfers. After three (3) violations, we have the right to convert your account to a Simply Free Checking Accountquarter.