Common use of Early Withdrawal Provisions Clause in Contracts

Early Withdrawal Provisions. We will impose a penalty if You withdraw any funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the penalty imposed will equal the greater of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawn. Renewal Policies. Your Account will renew automatically at maturity, You will have a 10-calendar-day grace period following the Maturity Date to make withdrawals and/or deposits without penalty. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members that: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. • have an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representative.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the penalty imposed will equal the greater of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawn. Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, You will have a 10-calendar-day grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. If You choose for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selected. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes includes, but is not limited to members that: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. • have an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. • failed to comply with the terms and conditions of any lawful obligation with Us, and as a result, caused Us to suffer a financial loss. • manipulated or otherwise used Our services or products in the furtherance of an illegal purpose. • committed, or threatened, acts of violence against Our employees, agents or members. • failed to conduct themselves in a civil and businesslike manner. • committed or attempted to commit fraud Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-non- sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representativerepresentative.‌‌‌‌‌‌‌ Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds from Your Account before the maturity date. For The penalty imposed will equal 30 days of dividends on Your Account for Accounts with a term to maturity that is of one year or less than 12 months, the penalty imposed will equal the greater and 90 days of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For for Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawnone year. Renewal Policies. Your Account will renew automatically at upon maturity, . You will have a 10-calendar-10 calendar day grace period immediately following the Maturity Date maturity of Your Account during which You may make deposits to make and withdrawals and/or deposits from Your Account without penalty. Transaction Limitations. Once Your Account is established, You may not make any further deposits to Your Account until the maturity date. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members thatthat have: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. loan • have a savings balance below the $25.00 minimum • an unresolved deposited returned check. check • have any unpaid and uncollected credit union fees. fees • have a negative balance on an Account. account • caused a financial loss to the Credit Union Nonsufficient Funds Returns. Any share draft Check or pre-authorized transfer, or transaction made through the use of a Your ATM or debit cardCard, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-memo- posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-non- sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representative.

Early Withdrawal Provisions. We will impose a penalty if You you withdraw any or all of the funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the The penalty imposed will equal the greater 2% of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the An early withdrawal penalty imposed may invade principal. RENEWAL POLICIES Your account will equal the greater of $100.00 or 365 days' dividends on the amount withdrawn. Renewal Policies. Your Account will automatically renew automatically at maturity, . You will have a 10-calendar-day grace period following of 10 calendar days after the Maturity Date maturity date to make withdrawals and/or deposits withdraw the funds in the account without being charged an early withdrawal penalty. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good StandingCHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Unionchecking subaccount is your transaction account. We reserve the right to suspend services to may use either a member who is not in good standing, which includes members that: • do not maintain an open credit savings account or deposit Account after paying money market account as your savings subaccount. If the amount of money in your checking subaccount exceeds a $5.00 non-refundable membership fee. • have a delinquent loan. • have an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic meanscertain threshold amount, as is applicable (including any in-person transaction)determined in our sole discretion, that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or we will transfer the amount above the threshold into your savings subaccount. We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance will make this transfer at the beginning of a Business Day (each monthly statement period. If on any day the preceding Business Day’s final balance) daily beginning balance in your checking subaccount is sometimes referred to as Your "actual balance." As credits and less than the total of the new debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments checks and settled EFT debitsother withdrawals), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and chargesthen money will be automatically transferred from your savings subaccount back to your checking subaccount. The result of this calculation at any given point in time is called Your "available balance." For amount transferred back to the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all checking subaccount will be the total of the settled credit transactions debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the beginning actual balance. Thenchecking subaccount occur during any statement period, We subtract all then the entire balance of the debit transactions savings subaccount will be transferred to your checking subaccount for the remainder of that settled that daystatement period. We also subtract all of The transfers between the pending debit transactions. This determines subaccounts will occur only on our books and will not affect the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balance, and interest, fees, or features of your account. Other than as described above, the Deposit Account Agreement controls your account as if You have any questions You should contact a Credit Union representativethere were no subaccounts.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with having a term to maturity that is less than or equal to 12 months, the penalty imposed will equal the greater of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open)dividends. For Accounts with having a term to maturity that is greater than 11 12 months and but less than 24 36 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawndividends. For Accounts with having a term equal to maturity that is or greater than 23 36 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawndividends. Renewal Policies. Your Account will renew automatically at maturity, You will have a 10-calendar-day grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members thatthat have: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. • have a Primary Savings (Share) Account balance below the $1.00 minimum. • an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. • failed to comply with applicable law and/or Our then existing Bylaws and Amendments. • been directly involved in any fraudulent activity. • been convicted of a crime. • committed, or threatened, acts of violence against Our employees, agents, or members. • failed to conduct themselves in a civil and businesslike manner. Minimum Balance Requirements. To be a member and maintain Accounts with Us You must purchase 1 share in the Credit Union. The par value of a share in this Credit Union is $1.00. If the balance in Your Primary Savings (Share) Account drops below 1 share ($1.00) at any time, We may, at Our option, transfer funds from any other account We may designate in order to increase Your Primary Savings (Share) Account balance to the $1.00 minimum, or close Your Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient non-sufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s 's final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representative.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the The penalty imposed will equal the greater lesser of $25.00 all accrued dividends or 60 days of dividends for Accounts having a term less than 12 months; the lesser of all accrued dividends or 90 days' days of dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For for Accounts with having a term to maturity that is greater of 12 months but less than 11 18 months; the lesser of all accrued dividends or 120 days of dividends for Accounts having a term of 18 months and but less than 24 months, ; the penalty imposed will equal the greater lesser of $50.00 all accrued dividends or 180 days' days of dividends on the amount withdrawn. For for Accounts with having a term to maturity that is greater of 24 months but less than 23 36 months; the lesser of all accrued dividends or 210 days of dividends for Accounts having a term of 36 months, but less than 48 months; the penalty imposed will equal lesser of all accrued dividends or 240 days of dividends for Accounts having a term of 48 months but less than 60 months; and the greater lesser of $100.00 all accrued dividends or 365 days' 270 days of dividends on the amount withdrawnfor Accounts having a term of 60 or more months. Renewal Policies. Your Account will renew automatically at maturity, maturity and You will have a 10-calendar-day grace period of ten calendar days following the Maturity Date to make deposits and/or withdrawals and/or deposits without penalty. Transaction Limitations. Once Your Account is established, You may not make deposits into Your Account. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members thatthat have: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have  a delinquent loan. • have  a Savings Account balance below the $5.00 minimum.  an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available actual balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, balance and then We subtract all of the debit transactions that have settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposesnew actual balance. Each debit transaction that We process when Your Account has a negative available actual balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We we dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representative.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the penalty imposed will equal the greater of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawn. Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, You will have a 10-calendar-day grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. If You choose for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selected. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes includes, but is not limited to members that: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. • have an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. • failed to comply with the terms and conditions of any lawful obligation with Us, and as a result, caused Us to suffer a financial loss. • manipulated or otherwise used Our services or products in the furtherance of an illegal purpose. • committed, or threatened, acts of violence against Our employees, agents or members. • failed to conduct themselves in a civil and businesslike manner. • committed or attempted to commit fraud Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-non- sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representative.

Early Withdrawal Provisions. We will impose a penalty if You you withdraw any or all of the funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the The penalty imposed will equal the greater 2% of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the An early withdrawal penalty imposed may invade principal. RENEWAL POLICIES Your account will equal the greater of $100.00 or 365 days' dividends on the amount withdrawn. Renewal Policies. Your Account will automatically renew automatically at maturity, . You will have a 10-calendar-day grace period following of 10 calendar days after the Maturity Date maturity date to make withdrawals and/or deposits withdraw the funds in the account without being charged an early withdrawal penalty. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good StandingCHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to your account if it is a transaction account, such as a checking account or a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Unionchecking subaccount is your transaction account. We reserve the right to suspend services to may use either a member who is not in good standing, which includes members that: • do not maintain an open credit savings account or deposit Account after paying money market account as your savings subaccount. If the amount of money in your checking subaccount exceeds a $5.00 non-refundable membership fee. • have a delinquent loan. • have an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic meanscertain threshold amount, as is applicable (including any in-person transaction)determined in our sole discretion, that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or we will transfer the amount above the threshold into your savings subaccount. We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance will make this transfer at the beginning of a Business Day (each monthly statement period. If on any day the preceding Business Day’s final balance) daily beginning balance in your checking subaccount is sometimes referred to as Your "actual balance." As credits and less than the total of the new debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments checks and settled EFT debitsother withdrawals), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and chargesthen money will be automatically transferred from your savings subaccount back to your checking subaccount. The result of this calculation at any given point in time is called Your "available balance." For amount transferred back to the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all checking subaccount will be the total of the settled credit transactions debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. If six transfers from the savings subaccount to the beginning actual balance. Thenchecking subaccount occur during any statement period, We subtract all then the entire balance of the debit transactions savings subaccount will be transferred to your checking subaccount for the remainder of that settled that daystatement period. The transfers between the subaccounts will occur only on our books and will not affect the balance, interest, fees, or features of your account. Other than as described above, the Deposit Account Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT NOTICE We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject report adverse information about your account to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, other consumer reporting agencies such as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representativecheck reporting systems.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the The penalty imposed will equal the greater 90 days of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawninterest. Renewal Policies. Your Account will renew automatically at maturity, You will have a 10-calendar-day grace period of seven calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. Transaction Limitations. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members thatthat have: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have  a delinquent loan. • have  a primary Share Account balance below the $10.00 minimum.  an unresolved deposited returned check. • have  unpaid and uncollected credit union fees. • have  a negative balance on an account.  caused a financial loss to the Credit Union.  provided Us an invalid address. Minimum Balance Requirements. To be a member and maintain Accounts with Us You must purchase one share in the Credit Union. The par value of a share in this Credit Union is $10.00. If the balance in Your primary Share Savings Account drops below one share ($10.00) for a period of six months or more, We may, at Our option, close Your Account. Nonsufficient Insufficient Available Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a Your ATM or debit cardCard, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient insufficient available funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s 's final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient insufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representative.

Early Withdrawal Provisions. Except as stated herein, We will impose a penalty if You withdraw any of the principal funds from Your Account before the maturity date. For Accounts with a term to maturity that is less than 12 months, the The penalty imposed will equal the greater 180 days of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open)dividends. For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the Any penalty imposed may have the effect of reducing the principal balance of Your Account. We will equal not impose a penalty for withdrawals: (a) made subsequent to the greater death of $50.00 any Account owner; (b) pursuant to Article III, Section 5(e) of the Federal Credit Union Bylaws; (c) as a result of the liquidation of the Credit Union; or 180 days' (d) withdrawal of dividends on the amount withdrawn. For Accounts with a term made prior to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawnmaturity. Renewal Policies. Your Account will not renew automatically at upon maturity, . Any funds in Your Account upon maturity will automatically be transferred to a Share Savings Account unless We receive instructions from You will have a 10-calendar-day grace period following the Maturity Date prior to make withdrawals and/or deposits without penaltymaturity to renew Your Account. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures herein are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members thatthat have: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. loan • have a savings balance below the $25.00 minimum • an unresolved deposited returned check. check • have any unpaid and uncollected credit union fees. fees • have a negative balance on an Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through account • caused a financial loss to the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), Credit Union • repeated overdrafts memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and all Credit Union fees and charges. As noted above, these examples are not an exhaustive list and should not be construed as such. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representative.

Early Withdrawal Provisions. We will impose a penalty if You Your Club Account maturity date is selected during the account opening process. If you withdraw any funds before prior to the maturity date, a penalty will be imposed. For Accounts with a term to maturity that is less than 12 months, the The penalty imposed will equal all of the greater of $25.00 or 90 days' dividends accrued interest on your account. In addition, you must withdraw the amount withdrawn (subject balance in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawnaccount. Renewal Policies. Your Account At maturity, the balance, including interest, will be credited to any DCECU share/deposit account as elected when you opened the account. If you have not withdrawn the funds prior to maturity, the account will renew automatically at maturity, You will have a 10-calendar-day for the following year. There is no grace period following the Maturity Date maturity of this account. ATM and VISA® Check Card Terms and Conditions The Credit Union provides an ATM Card as an extra convenience for you to make withdrawals and/or deposits without penalty. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standingdeposits, transfer funds between accounts and withdraw from accounts. The Credit Union provides the VISA Check Card for you to withdraw funds from your Share Draft Account services described and to make purchases from approved merchants as well as providing the same functions as an ATM Card. The use of the ATM Card and VISA Check Card is subject to the terms and conditions contained in these Agreements this section, to the terms and Disclosures conditions applicable to any account for which they are available used, and to those members in good standing with the rules and regulations of the Credit Union governing all or any such accounts. The ATM Card and personal identification number (“ATM PIN,”) and the VISA Check Card and the VISA Check Card personal identification number (“VISA Check Card PIN,”) remain the property of the Credit Union and the Credit Union may terminate your right to use the ATM Card and ATM PIN, or the VISA Check Card and the VISA Check Card PIN at any time. Upon demand of the Credit Union, you will return the ATM Card and ATM PIN and/or the VISA Check Card and VISA Check Card PIN to the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members that: • do not maintain an open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. • have an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made All privileges available through the use of a debit cardthe ATM Card and/or VISA Check Card shall terminate upon the expiration date to be determined by the Credit Union. In addition, for your security, DCECU may not reissue your ATM Card or VISA Check Card after 18 consecutive months of inactivity. Special Liability Protection Rules for VISA® Check Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions made with your lost or stolen VISA Check Card processed through the VISA network. This additional limit on liability does not apply to ATM transactions, to transactions using your PIN that are not processed by VISA, or other electronic meansto commercial cards. If your VISA Check Card was lost due to your gross negligence, as or if you have handled your card fraudulently, these special rules do not apply, and your liability for the unauthorized use of your VISA Check Card is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described addressed above in the "Deposit of Items" section called “Liability for Unauthorized Transfers.” Non-VISA® Debit Transactions. DCECU enables non-VISA debit transaction processing and "Collection does not require that all such transactions be authenticated by a PIN. A non-VISA debit transaction may occur on your DCECU VISA Check Card through the NYCE Network. Below are examples to distinguish between a VISA debit and Processing of Items" sections of the Account Agreement. This starting balance a non-VISA debit transaction: To initiate a VISA debit transaction at the beginning of point-of-sale, the cardholder signs a Business Day receipt, swipes the card through a point-of-sale terminal, or provides a card number (e.g. , in e-commerce or mail/telephone environments). To initiate a non-VISA debit transaction, the preceding Business Day’s final balance) is sometimes referred cardholder enters a PIN at the point-of-sale terminal or, for certain bill payment transactions, provides the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balancea non-VISA transaction. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memoA non-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each VISA debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balancewill not provide the zero liability protection benefit, and if a rewards program is present, a non-VISA debit transaction may not be an eligible rewards transaction. Provisions relating to the DCECU VISA Check Card in any DCECU cardholder agreement relate only to VISA transactions and are not applicable to non-VISA transactions. Foreign Transactions. VISA Check Card and ATM Card transactions made in foreign countries, in foreign currencies will be debited from your account in U.S. dollars. The conversion rate to U.S. dollars will be determined in accordance with the operating regulations established by VISA International and/or MasterCard. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by VISA or MasterCard from the range of rates available in wholesale currency markets or the government mandated rate, for the applicable central processing date. VISA and MasterCard also charge DCECU up to 1% on all foreign transactions that involve a currency conversion and up to 0.8% on all foreign transactions that do not involve a currency conversion. As a result, DCECU passes these fees on to our members. You have agree that the converted amount will be debited from your account in U.S. dollars, plus any questions You should contact a Credit Union representativecharge for conversion or processing that may be imposed.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date. For Accounts with a term terms to maturity that is equal to one year or less than 12 months, the penalty imposed will be equal the greater of $25.00 or to 90 days' days dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends calculated on the amount withdrawn. For Accounts with a term terms to maturity that is greater than 23 monthsone year and less than three years the penalty imposed will be equal to 180 days dividends calculated on the amount withdrawn, and for terms to maturity equal to three years and greater the penalty imposed will equal the greater of $100.00 or 365 days' days dividends calculated on the amount withdrawn. Penalties will be deducted first from accrued yet uncredited dividends, then from the principal balance in Your Account, until such time as the entire penalty amount is collected. Maturity Date. Your Account will mature after the term indicated in the separate writing which We have included with and made a part of this Disclosure. Renewal Policies. Your Account will automatically renew automatically at maturity, . You will have a 10-calendar-day grace period of 10 calendar days following the Maturity Date maturity to make withdrawals and/or from or deposits without penaltyinto Your Account. GENERAL To the extent required by applicable law, We will provide You with advance notice of the date the existing Account matures and the new maturity date if renewed, the dividend rate and corresponding APY for the new Account if they are known (or a statement indicating that those rates have not yet been determined, the date when they will be determined, and a telephone number You may call to obtain the dividend rate and corresponding APY that will be paid for the renewed Account), and any difference in the terms of the renewed Account as compared to that previously disclosed for the existing Account. SPECIFIC TERMS APPLICABLE TO ALL ACCOUNTS Member in Good StandingYOUR IRA MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the xxxxx://xxx.xxxxxxxxxxxxxx.xxx/ratesheet. Minimum Balance Requirements. The minimum balance required to open this Account services described is $100.00. You must maintain a minimum daily balance of $100.00 in these Agreements and Disclosures Your Account each day to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements. Transaction Limitations. Individual Retirement Accounts are available subject to those members in good standing with limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. We reserve the right to suspend services Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR IRA CERTIFICATE ACCOUNT(S) Fixed Rate Information. This Account is subject to a member who Fixed Rate. For the dividend rate and corresponding APY, refer to xxxxx://xxx.xxxxxxxxxxxxxx.xxx/ratesheet. Minimum Balance Requirements. The minimum balance required to open this Account is not in good standing, which includes members that: • do not $500.00. You must maintain an a minimum daily balance equal to the minimum balance required to open credit account or deposit Account after paying a $5.00 non-refundable membership fee. • have a delinquent loan. • have an unresolved deposited returned check. • have unpaid and uncollected credit union fees. • have a negative balance on an Account. Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when to obtain the disclosed annual percentage yield. You will earn dividends for every day during the period that Your Account lacks sufficient collected funds to pay balance equals or exceeds the minimum daily balance requirements. Transaction Limitations. You may not make any such item may, at Our option, be returned for nonsufficient funds withdrawals or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit deposits from or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreementprior to maturity. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account Individual Retirement Accounts are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to Us for payment, electronic fund transfer (EFT) debit transactions (such as preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that We have authorized but which have not been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to the beginning actual balance. Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft chargelimitations and/or penalties imposed by the Internal Revenue Service. Subject to applicable law, You are responsible Please see Your IRA Agreement or Your tax advisor for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item for non-sufficient funds. It is Your responsibility to know Your Account balance, and if You have any questions You should contact a Credit Union representativeadditional information.