Common use of Limits on Withdrawals and Transfers from Savings Accounts Clause in Contracts

Limits on Withdrawals and Transfers from Savings Accounts. This Agreement and federal law impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings account. Please note these limits do not apply to withdrawals and transfers you make at one of our banking centers, by mail or at an ATM. You can make no more than a total of six transactions each monthly statement cycle (or each month if you have a quarterly statement cycle) from among the following: • Preauthorized transfers from your savings account (including transfers for overdraft protection). • Telephone transfers or other electronic transmissions from your savings account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission. • Online/Mobile banking transfers or bill payment transfers from your savings account. • Transfers by check, draft or debit card, if allowed on your savings account. We count a transaction on the date we post it to your savings account. This date may be different from the date you authorize, transfer or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If you exceed the transaction limits on more than an occasional basis, we may close your savings account and recommend you open a checking account. When you use our Online Banking bill payment service, we recommend you do not use a savings account as your bill payment account because of these limits on transfers. Note: Even if you make no more than 6 transactions, a fee may still apply to some withdrawals or transfers. Please see the Schedule of Fees for your account.

Limits on Withdrawals and Transfers from Savings Accounts. This Agreement and federal law impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings account. Please note these limits do not apply to withdrawals and transfers you make at one of our banking centers, by mail or at an ATM. You can make no more than a total of six transactions each monthly statement cycle (or each month if you have a quarterly statement cycle) from among the following: • Preauthorized transfers from your savings account (including transfers for overdraft protection). • Telephone transfers or other electronic transmissions from your savings account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission. • Online/Mobile banking transfers or bill payment transfers from your savings account. • Transfers by check, draft or debit card, if allowed on your savings account. We count a transaction on the date we post it to your savings account. This date may be different from the date you authorize, transfer or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If you exceed the transaction limits on more than an occasional basis, we may close revoke your privileges on that account or we may convert your savings account and recommend you open to another type of account, such as a checking account. Your funds may no longer earn interest after we convert your account. When you use our Online Banking bill payment service, we recommend you do not use a savings account as your bill payment account because of these limits on transfers. Note: Even if you make no more than 6 transactions, a fee may still apply to some withdrawals or transfers. Please see the Schedule of Fees for your account.

Limits on Withdrawals and Transfers from Savings Accounts. This Agreement and federal law impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings account. Please note that these limits do not apply to withdrawals and transfers you make at one of our banking centers, by mail or at an ATM. You can make no more than a total of six transactions each monthly statement cycle (or each month if you have a quarterly statement cycle) from among the following: • Preauthorized transfers from your savings account (including transfers for overdraft protection). • Telephone transfers or other electronic transmissions from your savings account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission. • Online/Mobile banking transfers or bill payment transfers from your savings account. • Transfers by check, draft or debit card, if allowed on your savings account. We count a transaction on the date that we post it to your savings account. This date may be different from the date you authorize, transfer or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If you exceed the transaction limits on more than an occasional basis, we may close revoke your privileges on that account or we may convert your savings account and recommend you open to another type of account, such as a checking account. Your funds may no longer earn interest after we convert your account. When you use our Online Banking bill payment service, we recommend that you do not use a savings account as your bill payment account because of these limits on transfers. Note: Even if you make no more than 6 transactions, a fee may still apply to some withdrawals or transfers. Please see the Schedule of Fees for your account.

Limits on Withdrawals and Transfers from Savings Accounts. This Agreement and federal law impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings account. Please note these limits do not apply to withdrawals and transfers you make at one of our banking centers, by mail or at an ATM. You can make no more than a total of six transactions each monthly statement cycle (or each month if you have a quarterly statement cycle) from among the following: • Preauthorized transfers from your savings account (including transfers for overdraft protectionoverdraftprotection). • Telephone transfers or other electronic transmissions from your savings account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission. • Online/Mobile banking transfers or bill payment transfers from your savings account. • Transfers by check, draft or debit card, if allowed on your savings account. We count a transaction on the date we post it to your savings account. This date may be different from the date you authorize, transfer or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If you exceed the transaction limits on more than an occasional basis, we may close your savings account and recommend you open a checking account. When you use our Online Banking bill payment service, we recommend you do not use a savings account as your bill payment account because of these limits on transfers. Note: Even if you make no more than 6 transactions, a fee may still apply to some withdrawals or transfers. Please see the Schedule of Fees for your account. Time Deposit or CD Account When you open a time deposit account, you agree to leave your funds in the account until the maturity date of the account. We often refer to a time deposit account as a “CD” or a “Certificate of Deposit”, even though we do not issue a “certificate”. A time deposit account is neither transferable nor negotiable. Terms of CDs We offer terms of CDs for personal and organizational customers from 90 days to 36 months. The Schedule of Fees describes our CD terms. How we Calculate Interest on CDs Your funds earn interest during the term of the time deposit account. We calculate interest as follows: • Time deposits earn interest at a fixed rate. Fixed rate means the interest rate we apply to your account on the day we open it will not change for the term of the account. • We use the daily-balance method to calculate the interest on your account. This method applies a daily periodic rate to the ledger balance we determine is in the account each day. The daily rate is 1/365 — or in a leap year we may use 1/366 — of the interest rate. • When you deposit a non-cash item (such as a check), interest begins to accrue on the non-cash item on the business day the deposit is received. Deposits you give us on a weekend or bank holiday are treated as received the next business day. • The annual percentage yield for your account assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. We generally set interest rates for new time deposit accounts based on the term you select. Rates for new accounts may change daily. We pay interest only in whole cents. You may obtain current rates by visiting our website, calling us at the number for customer service on your statement or by asking a banking center associate. Disbursing Interest We will reinvest the interest in your account at maturity for terms of less than one year and annually on the anniversary date for terms of more than one year. CDs That Automatically Renew Unless your account information states your time deposit does not automatically renew, we automatically renew your account by reinvesting your funds. We reinvest both principal and interest. When we automatically renew your CD, the term for the reinvested CD is the same length as the previous term of your account unless we notify you that we are changing the term of the CD. For time deposits with a fixed interest rate, the interest rate and APY for any renewal term is based on the rate we offer on the first day of the new term for the type of CD, amount and term of the reinvested deposit. Unless specifically stated otherwise, any bonus or special promotion we are offering will not apply to automatically renewing accounts. If at any maturity date we no longer offer time deposit accounts of the same term and type, we may reinvest your funds in a time deposit we believe offers similar features.

Limits on Withdrawals and Transfers from Savings Accounts. This Agreement and federal law impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings account. Please note that these limits do not apply to deposits and they do not apply to withdrawals and transfers you make at one of our banking centers, by mail or at an ATM. You can make no more than a total of six transactions each monthly statement cycle (or each month if you have a quarterly statement cycle) from among the following: • Preauthorized transfers from your savings account (including transfers for overdraft protection). • Telephone transfers or other electronic transmissions from your savings account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission. • Online/Mobile banking transfers or bill payment transfers from your savings account. • Transfers by checkIf checks, draft drafts or debit card, if cards are allowed on your savings account, no more than three of the six transactions may be checks, drafts or point-of-sale transactions. We count a transaction on the date that we post it to your savings account. This date may be different from the date you authorize, transfer or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If you exceed the transaction limits on more than an occasional basis, we may close revoke your privileges on that account or we may convert your savings account and recommend you open to another type of account, such as a checking account. Your funds may no longer earn interest after we convert your account. When you use our Online Banking bill payment service, we recommend that you do not use a savings account as your bill payment account because of these limits on transfers. Note: Even if you make no more than 6 transactions, a A fee may still apply to some withdrawals or transfers. Please see the Schedule of Fees for your account.

Limits on Withdrawals and Transfers from Savings Accounts. This Agreement and federal law impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings account. Please note these limits do not apply to withdrawals and transfers you make at one of our banking centers, by mail or at an ATM. You can make no more than a total of six transactions each monthly statement cycle (or each month if you have a quarterly statement cycle) from among the following: •  Preauthorized transfers from your savings account (including transfers for overdraft protection). •  Telephone transfers or other electronic transmissions from your savings account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission. •  Online/Mobile banking transfers or bill payment transfers from your savings account. •  Transfers by check, draft or debit card, if allowed on your savings account. We count a transaction on the date we post it to your savings account. This date may be different from the date you authorize, transfer or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If you exceed the transaction limits on more than an occasional basis, we may close revoke your privileges on that account or we may convert your savings account and recommend you open to another type of account, such as a checking account. Your funds may no longer earn interest after we convert your account. When you use our Online Banking bill payment service, we recommend you do not use a savings account as your bill payment account because of these limits on transfers. Note: Even if you make no more than 6 transactions, a fee may still apply to some withdrawals or transfers. Please see the Schedule of Fees for your account.