Common use of Reservation of Right to Hold Clause in Contracts

Reservation of Right to Hold. In some cases, we will not make all the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 of your deposit, however, may be available for withdrawal on the same business day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawal. If your deposit is not made directly to one of our employees, or if we take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available for withdrawal. Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules when: ● We believe there is reasonable cause to doubt the collectability. ● You deposit checks totaling more than $5,000 on any one day. ● You redeposit a check that has been returned unpaid. ● You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative in the amount of $5,000 or more, or would have been had checks and charges been paid. ● There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Reservation of Right to Hold. In some casesDepending on the check type and sum total, funds from the deposit may be available to you immediately. Types of checks that are generally subject to same day availability, if deposited in person to one of our employees and payable to you are: checks drawn on Sunmark; U.S. Treasury checks; U.S. postal money orders; cashier’s, certified, and teller’s checks; federal, state and local government checks; and Federal Reserve Bank and Federal Home Loan Bank checks. If not deposited in person to one of our employees and payable to you, and for all other types of checks, we will not make all of the funds that you deposit by check available to you on immediately. In these instances, funds from the same deposit may not be available to you until the second business day that we receive after the day of your deposit. The However, the first $200 225.00 of your deposit, however, may deposit will be available for withdrawal on the same first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is we do not notify you of the delay at the time of deposit, either because it was not made directly in person to one of our employees, employees or if because we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available for withdrawalavailable. Longer Delays May Apply: . We may delay your ability to withdraw funds deposited by check into your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whenfor these reasons: ●  We believe there is reasonable cause to doubt the collectabilitya check you deposit will not be paid. ●  You deposit checks totaling more than $5,000 5,525.00 on any one (1) day. ●  You redeposit a check that has been returned unpaid. ●  You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six (6) months. ●  There is an emergency, such as failure of communications or computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Reservation of Right to Hold. In some cases, we will not make all the funds that you deposit by check available to you on the same first business day that we receive after the day of your deposit. The first $200 of your 250 ofyour deposit, however, may be made available for withdrawal on the same business day date of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same first business day, we will notify you at the time you make your deposit. We will detail the date of deposit, account number to be deposited in to, the amount of the deposit and the amount of deposit that may be made delayed. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need youneed the funds from a deposit right awayrightaway, you should ask us when the funds will be available for withdrawalavailable. Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of for up to seven (7) business days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whenfor these reasons: ● We believe there is reasonable cause to doubt the collectability. ● • You deposit checks totaling more than $5,000 6,000 on any one day. ● You redeposit • New accounts- a check that has been returned unpaidnew account is defined as any account opened within the last thirty (30) calendar days. ● • You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six months. ● • There is an emergency, such as failure of computer or communications equipment. • We believe a check you deposit will notify not be paid. • You redeposit a check that has been returnedunpaid. Members may request a copy of the full Funds Availability Policy and any Hold Notice that may have been supplied by visiting a local branch. Rev.02/2020 Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you if how we delay collect, share, and protect your ability personal information. Please read this notice carefully to withdraw funds understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number, name, address, and income • Payment, transaction, and account history • Credit history and credit scores How? All financial companies need to share customers’/members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons General Electric Credit Union (GECU) chooses to share; and whether you can limit this sharing. Reasons we can share your personal information: Does GECU Share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For non‐affiliates to market to you Yes Yes Who are we: Who is providing this notice? General Electric Credit Union (GECU) What we do: To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does GECU protect my personal We restrict access to non‐public personal information about you to those information? employees who have a specific business purpose in utilizing your data. Our employees are trained on the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non‐public personal information. How does GECU collect my personal information? We collect your personal information, for example, when you: • Open an account or apply for a loan • Make deposits or withdrawals from your account • Show your government issued ID or use your credit or debit card We also collect your personal information from others such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • Sharing for affiliates’ everyday business purposes—information about your creditworthiness. • Affiliates from using your information to market to you. • Sharing for non‐affiliates to market to you. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by ownership or control. They can be financial and non‐financial companies. • Our affiliate is a financial company, CUSO (Credit Union Service Organization) Corp., a wholly owned subsidiary of General Electric Credit Union. Non‐affiliates Companies not related by common ownership or control. They can be financial and non‐financial companies. • Non‐affiliates we share with can include companies such as credit bureaus, data processors, credit and debit card processing networks, broker‐dealers, and mailing and distribution services Joint Marketing A formal agreement between non‐affiliated financial companies that together market financial products or services to you. • Our joint marketing partners include companies that provide insurance products such as Accidental Death and Dismemberment and Guaranteed Asset Protection Insurance. There are no charges levied against any of these reasonsour accounts other than what is listed. Current Fee Schedule Effective: October 27, 2021 When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or owner or any network used and we will tell you may be charged a fee for a balance inquiry. Deposit Accounts Money Order $5 Per item. Cashier’s Check $5 Per item. Insufficient Funds Charge (Returned) $32 Per item presented for return/unpaid items. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when an ACH/Check, recurring debit card transactions is used to access an available overdraft limit to pay the funds will item, also known as an Overdraft fee. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when Extended Courtesy Overdraft is used to access an available overdraft limit to pay the ATM/POS transactions and every day debit card transactions, also known as an Overdraft fee. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when an online transaction or over the counter transaction is used to access an available overdraft limit to pay the item, also known as an Overdraft fee. Uncollectible Deposit $10 Per item presented. Member deposits or cashes an item that is returned unpaid. Check Copy $5 Per item. Premature Account Closing $15 If the member requests an account is closed within 90 days of opening. Wire Transfer - Domestic $20 Per outgoing wire request. Wire Transfer - International $50 Per outgoing wire request. Lost Debit/Credit Card $10 Per card to replace. Expedited Card Delivery $49 Per request Online Banking ACH Origination with External Transfer (in) $0 For all incoming transfers. Online Banking ACH Origination with External Transfer (out) $3 Standard delivery fee for all outgoing transfers. Online Banking ACH Origination with External Transfer (out) $5 Next-day delivery fee for all outgoing transfers. Stop Payment $32 Per request made: in branch, over the phone, via email, or within Online Banking or our mobile app (excluding Xxxx Pay). Xxxx Pay Stop Payment $25 Per request for payments initiated through our Xxxx Pay. Check Orders Varies Order online or at a branch near you. ATM Withdrawal at Foreign ATMs $3 Per item at an ATM outside of our network. GECU ATMs and those in our surcharge-free partner networks are excluded. Additional fees may be availablecharged by an ATM provider, if not in network. They will generally be available no later than the seventh business day after the day ATM Empty Envelope Deposit $25 Per item. Escheatment Processing $20 Per item. Inactive Account $6 Per month during inactivity period on savings account, checking, or money market account. Consumer Loans Change of your deposit.Terms Up to $100 Per request. Credit Card Payment by Phone $4 Per request. Mortgage Payoff Processing $30 Per request. Returned Item Charge $32 Per item presented. Subordination Prep $250 Per request. Miscellaneous Fees Account Research $30 Per hour; minimum one hour charge. Court Order Processing/ Garnishment/Levy $40 Per item. Duplicate IRS Reporting Form $5 Per request. On-Us Check Cashing $5 Per request for non-members. Overnight Mail $25 Per request. Returned Statement $5 Per statement for incorrect mailing address. Safe Deposit Box Drilling $225 Per request. Safe Deposit Box Replacement Key $25 Per request. Statement Copy $5 Per request for additional copy. Questions? Contact Us Phone 000.000.0000 or 800.542.7093 Email xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xxx Log in to Online Banking, click Support and then Secure Email Log in to our mobile app, click Menu or More and then Secure Email Chat Visit: xxxxxxxxxxxxx.xxx/xxxxxxx Log in to Online Banking, click Support and then Secure Chat Mail General Electric Credit Union 00000 Xxxxxxx Xxxx Xxxxxxxxxx, XX 00000

Reservation of Right to Hold. In some cases, we will not make all the funds that you deposit by check available to you on the same first business day that we receive after the day of your deposit. The first $200 of your 250 ofyour deposit, however, may be made available for withdrawal on the same business day date of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same first business day, we will notify you at the time you make your deposit. We will detail the date of deposit, account number to be deposited in to, the amount of the deposit and the amount of deposit that may be made delayed. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need youneed the funds from a deposit right awayrightaway, you should ask us when the funds will be available for withdrawalavailable. Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of for up to seven (7) business days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whenfor these reasons: ● We believe there is reasonable cause to doubt the collectability. ● • You deposit checks totaling more than $5,000 6,000 on any one day. ● You redeposit • New accounts- a check that has been returned unpaidnew account is defined as any account opened within the last thirty (30) calendar days. ● • You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six months. ● • There is an emergency, such as failure of computer or communications equipment. • We believe a check you deposit will notify you if we delay your ability to withdraw funds for not be paid. • You redeposit a check that has been returnedunpaid. Members may request a copy of the full Funds Availability Policy and any Hold Notice that may have been supplied by visiting a local branch. Funds Availability General Electric Credit Union 02/2020 Current Business Fee Schedule Effective: October 27, 2021 There are no charges levied against any of these reasonsour accounts other than what is listed. When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or owner or any network used and you may be charged a fee for a balance inquiry. Deposit Accounts Money Order $5 Per item. Cashier’s Check $5 Per item. Insufficient Funds Charge (Returned) $32 Per item presented for return/unpaid items. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when an ACH/Check, recurring debit card transactions is used to access an available overdraft limit to pay the item, also known as an Overdraft fee. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when extended coverage for Courtesy Overdraft is used to access an available overdraft limit to pay the ATM/POS transactions and every day debit card transactions, also known as an Overdraft fee. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when an online transaction or over the counter transaction is used to access an available overdraft limit to pay the item, also known as an Overdraft fee. Uncollectible Deposit $10 Per item presented. Member deposits or cashes an item that is returned unpaid. ACH Origination Chargeback $10 Per item. Check Copy $5 Per item. Premature Account Closing $15 If the member requests an account is closed within 90 days of opening. Wire Transfer - Domestic $20 Per outgoing wire request. Wire Transfer - International $50 Per outgoing wire request. Lost ATM/Debit/Credit Card $10 Per card to replace. Expedited Card Delivery $49 Per request Retail Online Banking ACH Origination with External Transfer (in) $0 For all incoming transfers. Retail Online Banking ACH Origination with External Transfer (out) $3 Standard delivery fee for all outgoing transfers. Retail Online Banking ACH Origination with External Transfer (out) $5 Next-day delivery fee for all outgoing transfers. Stop Payment $32 Per request made: in branch, over the phone, via email, or within Online Banking or our mobile app (excluding Web BillPay). BillPay Stop Payment $25 Per request for payments initiated through our BillPay. Check Orders Varies Order online or at a branch near you. ATM Withdrawal at Foreign ATMs $3 Per item at an ATM outside of our network. GECU ATMs and those in our surcharge-free partner networks are excluded. Additional fees may be charged by an ATM provider, if not in network. ATM Empty Envelope Deposit $25 Per item. Escheatment Processing $20 Per item. Inactive Account $6 Per month during inactivity period on savings account, checking, or money market account. Simply Free Business Checking Transaction $0.25 Per transaction. The first 500 transactions are free. Transactions exceeding 500 per month will incur this fee. Transaction includes: Cleared checks, debit card withdrawal, ACH debits/ credits, deposited transactions (per fund type and per transaction type, and we over-the-counter withdrawal). Cash Deposit $0.25 Per $100. The first $10,000 cash deposit is free. Cash deposits exceeding $10,000 per month will tell you when incur this fee. Premier Business Checking Monthly Maintenance $15 Per month. The $15 monthly fee can be avoided if the funds account maintains a $10,000 or greater daily balance. Transaction $0.25 Per transaction. The first 500 transactions are free. Transactions exceeding 500 per month will be availableincur this fee. They Transaction includes: Cleared checks, debit card withdrawal, ACH debits/ credits, deposited transactions (per fund type and per transaction type, and over-the-counter withdrawal). Cash Deposit $0.25 Per $100. The first $10,000 cash deposit is free. Cash deposits exceeding $10,000 per month will generally be available no later than the seventh business day after the day of your deposit.incur this fee. Miscellaneous Fees Account Research $30 Per hour; minimum one-hour charge. Court Order Processing/ Garnishment/Levy $40 Per Item. Duplicate IRS Reporting Form $5 Per request. Enhanced Business Online Banking $10 Per month. On-Us Check Cashing $5 Per request for non-members. Overnight Mail $25 Per request. Returned Statement $5 Per statement for incorrect mailing address. Safe Deposit Box Drilling $225 Per request. Safe Deposit Box Replacement Key $25 Per request. Statement Copy $5 Per request for additional copy. Questions? Contact Us Phone 000.000.0000 or 800.542.7093 Email xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xxx Log in to Online Banking, click Support and then Secure Email. Chat Visit: xxxxxxxxxxxxx.xxx/xxxxxxx Log in to Online Banking, click Support and then Secure Chat. Mail General Electric Credit Union 00000 Xxxxxxx Xxxx Xxxxxxxxxx, XX 00000

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit deposited by check available to you on the same business day that we receive your of deposit. The first $200 Depending on the type of your depositcheck that is deposited, however, funds may not be available for withdrawal on until the same ninth business day after the day of your deposit. If we are not going to make all of the funds from your a deposit available for withdrawal on the same first business day, we will notify you at the time you make your depositthe deposit is made. We will also tell you when the funds will be available for withdrawalavailable. If your the deposit is not made directly to one of our employeesa Credit Union employee, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your the deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Same Day Availability – The Credit Union affords same day availability for cash deposits, checks drawn on us, and electronic fund transfers. Next Day Availability – The following checks will have the first $200.00 available the same day of your deposit and the remainder will be available the next business day after the deposit: Government Checks – U.S. Treasury checks payable to you and deposited in your account, U.S. Postal Service money orders, Federal Reserve Bank or Federal Home Loan Bank checks deposited by you in person, checks drawn by the State or an agency of the State or a branch of local government deposited in an account held by the payee of the check in the same state. Depository Institution Checks – for withdrawalexample, Travelers Checks, cashier's checks, certified checks, and money orders. Two Day Availability – All other checks will have the first $200.00 available the same day of your deposit and the remainder will be available the second business day after the deposit. Longer Delays May Apply: Apply – We may delay your ability to withdraw funds deposited deposited, by check check, into your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whenfor these reasons: ● We believe there is reasonable cause to doubt the collectability. ● You deposit • Deposits of checks totaling more than $5,000 on any one day. ● You redeposit • Redeposits of a check that has been returned returned, unpaid. ● You have • Your account has been overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would last six months. • We have been had checks and charges been “reasonable cause” to believe a check deposited will not be paid. ● There is an emergency, • An emergency such as failure of communications or computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh sixth business day after the day the deposit is otherwise available for withdrawal. Deposits at Automated Teller Machines – Funds from any deposits, whether cash or checks, made at automated teller machines, which we do not own or operate, will not be available until the fifth business day after the day of deposit. Deposits at Shared Branching (CU Service Center) Locations Funds from check deposits made at a Shared Branching location may not be available until the second business day after the day of your deposit.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 Depending on the type of your check that you deposit, however, funds may not be available for withdrawal on until the same second business day after the day of your deposit. However, the first $225 of your deposit will be available on the first business day. If we are not going to make all of the funds from your deposit available for withdrawal on the same first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Holds On Other Funds If the Credit Union cashes a check drawn on another financial institution, the Credit Union reserves the right to withhold the availability of a corresponding amount of the funds in the member’s account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If the Credit Union accepts deposit of a check drawn on another financial institution, we may make funds from the deposit immediately available for withdrawalwithdrawal but delay availability of a corresponding amount of funds on deposit in another account held by the member at the Credit Union. Those restricted funds would be available for withdrawal following the time frames set forth in this policy. Longer Delays May Apply: We Apply The Credit Union may delay your ability access to withdraw funds deposited by check into your account an additional number of days under certain circumstancesfor these reasons: • Reasonable belief that a deposited check will not be paid. Federal law provides exceptions to the federal funds availability schedules when: ● We believe there is reasonable cause to doubt the collectability. ● You deposit checks • Deposit of a check(s) totaling more than $5,000 5,525.00 on any one day. ● You redeposit • Deposit of a check that has been returned unpaid. ● You have • Member has overdrawn your account: ○ On six or more banking days during the previous six months the their account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six (6) months. ● • There is an emergency, such as failure of communications or computer or communications equipment. We The Credit Union will notify you provide notice if we delay your ability access to withdraw funds is restricted for any of these reasons, and we will tell you advise the depositor when the funds will be available. They Funds will generally be available no later than the seventh (7) business day after the day of deposit. Special Rules For New Accounts For new members, the following special rules will apply during the first thirty (30) days an account is open. Funds from electronic direct deposits to your account will be available on the day the deposit is received. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day’s total deposits of cashier’s, certified, and federal, state, and local government checks will be available on the first (1) business day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to the depositor. The excess over $5,525.00 will be available on the ninth (9) business day after the day of deposit. If deposit of these checks (other than a US Treasury check) is not made, in person, at the Credit Union, the first $5,525.00 will not be available until the second (2) business day after the day of deposit. Funds from all other check deposits will be available on the ninth (9) business day after the day of deposit. Deposits at Nonproprietary ATMs Funds from any deposits (cash or check) made at automated teller machines (ATMs) we do not own or operate will not be available until five (5) business day after the date of your deposit. This limit does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified accordingly. Deposits at Automated Teller Machines, Shared Branch Locations & Mobile Devices Funds from deposits made at automated teller machines (ATMs), shared branch locations and mobile devices will not be available until the second (2nd) business day after the day of your deposit.. Once available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For deposits made before 10:00 pm at any shared branch locations or mobile device, on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 10:00 pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open. CHECK CASHING POLICY‌ A fee, per item, will be assessed for cashing all checks drawn on another financial institution (including payroll checks) unless the member has one of the following:

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, however, may the first $200.00 of your deposit will be available for withdrawal on the same first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if of we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available available. A completed application must be submitted for withdrawalOnline Account Access. Longer Delays May Apply: We Please allow 2 days for processing. Upon completion, we will contact you confirmation and instructions for use. PATENT AND TRADEMARK OFFICE FEDERAL CREDIT UNION FUNDS AVAILABILITY POLICY Effective July 21, 2011 DEPOSIT DESCRIPTION WHEN FUNDS CAN BE WITHDRAWN BY CASH OR CHECK Direct Deposit Cash, wire transfers, cashiers, certified, tellers, or government checks, checks drawn on Patent and Trademark Office Federal Credit Union and the first $200.00 of a days deposit of other checks Checks The day we receive the deposit The first business day after the day of deposit The second business day after the day of deposit. Under certain circumstances, we may delay the availability of your ability funds longer, up to withdraw funds deposited by check into your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules when: ● We believe there is reasonable cause to doubt the collectability. ● You deposit checks totaling more than $5,000 on any one day. ● You redeposit a check that has been returned unpaid. ● You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative in the amount of $5,000 or more, or would have been had checks and charges been paid. ● There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of deposit. If we decide to delay your funds availability, we will notify you at the time of your in person deposit, or as soon as possible for other deposits. * If any checks have been returned on your account in the past, you will be subject to a seven day hold. Patent & Trademark Office Federal Credit Union Online Account Access Disclosure  “I DO Accept the Terms and Conditions” Thank you for your application to ONLINE ACCOUNT ACCESS services. We will begin processing your application immediately. Typical processing time is two (2) business days. However, during our initial sign-up phase we are anticipating a large volume of applications and processing may take up to five (5) days. Once completed, we will contact you with instructions on how to start Patent & Trademark Office Credit Union’s most exciting new service, ONLINE ACCOUNT ACCESS. If you have any questions, please return to our Home Page and send us an e-message. Welcome to Patent & Trademark Office Federal Credit Union’s ONLINE ACCOUNT ACCESS services! You’re going to love the convenience!  “I DO NOT.Accept the Terms and Conditions” We’re sorry, ONLINE ACCOUNT ACCESS services cannot be provided without your acceptance of our Terms and Conditions. Feel free to reconsider and apply at a later date. Should you require more information, please e-mail us and be sure to include your daytime phone number so we can contact you. For your convenience, you will now be returned to Patent & Trademark Office Federal Credit Union’s Home Page. Online Account Access Application To sign-up now for Online Account Access and receive instant access to your account, print this form and fax to the credit union at 000-000-0000. A member services representative will contact you to set-up your account access. Your Name Your Account NumberYour Account Number Social Security NumberSocial Security Number Date of Birthte of Birth Zip CodeZip Code Mother’s Maiden NameMother’s Maiden Name Home Telephone NumberHome Telephone Number Work Telephone NumberWork Telephone Number Email AddressE-mail Address Audio Response PIN Audio Response PIN *Enter your name as it appears on your statement.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 Depending on the type of your check that you deposit, however, funds may not be available for withdrawal on until the same second business day after the day of your deposit. However, the first $225 of your deposit will be available on the first business day. If we are not going to make all of the funds from your deposit available for withdrawal on the same first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Holds On Other Funds If the Credit Union cashes a check drawn on another financial institution, the Credit Union reserves the right to withhold the availability of a corresponding amount of the funds in the member’s account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If the Credit Union accepts deposit of a check drawn on another financial institution, we may make funds from the deposit immediately available for withdrawalwithdrawal but delay availability of a corresponding amount of funds on deposit in another account held by the member at the Credit Union. Those restricted funds would be available for withdrawal following the time frames set forth in this policy. Longer Delays May Apply: We Apply The Credit Union may delay your ability access to withdraw funds deposited by check into your account an additional number of days under certain circumstancesfor these reasons: • Reasonable belief that a deposited check will not be paid. Federal law provides exceptions to the federal funds availability schedules when: ● We believe there is reasonable cause to doubt the collectability. ● You deposit checks • Deposit of a check(s) totaling more than $5,000 5,525.00 on any one day. ● You redeposit • Deposit of a check that has been returned unpaid. ● You have • Member has overdrawn your account: ○ On six or more banking days during the previous six months the their account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six (6) months. ● • There is an emergency, such as failure of communications or computer or communications equipment. We The Credit Union will notify you provide notice if we delay your ability access to withdraw funds is restricted for any of these reasons, and we will tell you advise the depositor when the funds will be available. They Funds will generally be available no later than the seventh (7) business day after the day of deposit. Special Rules For New Accounts For new members, the following special rules will apply during the first thirty (30) days an account is open. Funds from electronic direct deposits to your account will be available on the day the deposit is received. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day’s total deposits of cashier’s, certified, and federal, state, and local government checks will be available on the first (1) business day after the day of deposit if the deposit meets certain conditions. For example, the checks must be payable to the depositor. The excess over $5,525.00 will be available on the ninth (9) business day after the day of deposit. If deposit of these checks (other than a US Treasury check) is not made, in person, at the Credit Union, the first $5,525.00 will not be available until the second (2) business day after the day of deposit. Funds from all other check deposits will be available on the ninth (9) business day after the day of deposit. Deposits at Nonproprietary ATMs Funds from any deposits (cash or check) made at automated teller machines (ATMs) we do not own or operate will not be available until two (2) business day after the date of your deposit. This limit does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified accordingly. Deposits at Automated Teller Machines, Shared Branch Locations & Mobile Devices Funds from deposits made at automated teller machines (ATMs), shared branch locations and mobile devices will not be available until the second (2nd) business day after the day of your deposit.. Once available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For deposits made before 10:00 pm at any shared branch locations or mobile device, on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 10:00 pm or on a day we are not open, we will consider that the deposit was made on the next business day we are open. CHECK CASHING POLICY‌ A fee, per item, will be assessed for cashing all checks drawn on another financial institution (including payroll checks) unless the member has one of the following:

Reservation of Right to Hold. In some cases, we We will not make all the funds that you You deposit by check available to you You on the same 1st business day that we after We receive your Your deposit. The Depending on the type of check You deposit, funds may not be available until the 2nd business day following the day of Your deposit. However, the first $200 225.00 of your deposit, however, may Your deposit will be available for withdrawal on the same 1st business day following the day of your Your deposit. If we We are not going to make all of the funds from your Your deposit FUNDS AVAILABILITY POLICY DISCLOSURE (continued) available for withdrawal on the same 1st business dayday following the day of Your deposit, we We will notify you You at the time you You make your Your deposit. We will also tell you You when the funds will be available for withdrawalavailable. If your Your deposit is not made directly to one of our Our employees, or if we We decided to take this action after you You have left the premises, we We will mail you You the notice by the next business day after we We receive your Your deposit. If you You will need the funds from a deposit right away, you You should ask us Us when the funds will be available available. Any request for withdrawalpayment against funds on which a hold has been placed will be returned unpaid. Longer Delays May Apply: . We may delay your Your ability to withdraw funds deposited by check into your account Your Account an additional number of days under certain circumstances. Federal law provides exceptions to for the federal funds availability schedules whenfollowing reasons: ●  We believe there is reasonable cause to doubt the collectabilitya check You deposit will not be paid. ●  You deposit checks totaling more than $5,000 5,525.00 on any one day. ●  You redeposit deposit a check that has been returned unpaid. ●  You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative Your Account repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast 6 months. ●  There is an emergency, such as failure of communications or computer or communications equipment. We will notify you You if we We delay your Your ability to withdraw funds for any of these reasons, and we We will tell you You when the funds will be available. They will generally be available no later than the seventh 7th business day after the day of your Your deposit. Location of Check Endorsements. Federal law requires all check endorsements to be in the first 1-1/2 inches of the trailing edge of the back of the check. The trailing edge is opposite the left side of the face of the check, the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that do not comply with the endorsement standards.

Reservation of Right to Hold. In some cases, we will not make all the funds that you deposit by check available to you on the same first business day that we receive after the day of your deposit. The first $200 of your 250 ofyour deposit, however, may be made available for withdrawal on the same business day date of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same first business day, we will notify you at the time you make your deposit. We will detail the date of deposit, account number to be deposited in to, the amount of the deposit and the amount of deposit that may be made delayed. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need youneed the funds from a deposit right awayrightaway, you should ask us when the funds will be available for withdrawalavailable. Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of for up to seven (7) business days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whenfor these reasons: ● We believe there is reasonable cause to doubt the collectability. ● • You deposit checks totaling more than $5,000 6,000 on any one day. ● You redeposit • New membership - a check that has been returned unpaidnew membership is defined as any membership opened within the last thirty (30) calendar days. ● • You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six months. ● • There is an emergency, such as failure of computer or communications equipment. • We believe a check you deposit will notify you if we delay your ability not be paid. • You redeposit a check that has been returnedunpaid. Members may request a copy of the full Funds Availability Policy and any Hold Notice that may have been supplied by visiting a local branch or writing to withdraw funds for General Electric Credit Union at: General Electric Credit Union 00000 Xxxxxxx Xx Xxxxxxxxxx, XX 00000 Funds Availability General Electric Credit Union 06/2022 Current Business Fee Schedule Effective: October 27, 2021 There are no charges levied against any of these reasonsour accounts other than what is listed. When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or owner or any network used and you may be charged a fee for a balance inquiry. Deposit Accounts Money Order $5 Per item. Cashier’s Check $5 Per item. Insufficient Funds Charge (Returned) $32 Per item presented for return/unpaid items. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when an ACH/Check, recurring debit card transactions is used to access an available overdraft limit to pay the item, also known as an Overdraft fee. Insufficient Funds Charge - Paid $32 Per item presented. A fee that is charged when extended coverage for Courtesy Overdraft is used to access an available overdraft limit to pay the ATM/POS transactions and every day debit card transactions, also known as an Overdraft fee. Insufficient Funds Charge ~Paid $32 Per item presented. A fee that is charged when an online transaction, Interactive Teller Machine (ITM), or over the counter transaction is used to access an available overdraft limit to pay the item, also known as an Overdraft fee. Uncollectible Deposit $10 Per item presented. Member deposits or cashes an item that is returned unpaid. ACH Origination Chargeback $10 Per item. Check Copy $5 Per item. Premature Account Closing $15 If the member requests an account is closed within 90 days of opening. Wire Transfer - Domestic $20 Per outgoing wire request. Wire Transfer - International $50 Per outgoing wire request. Lost ATM/Debit/Credit Card $10 Per card to replace. Expedited Card Delivery $49 Per request Retail Online Banking ACH Origination with External Transfer (in) $0 For all incoming transfers. Retail Online Banking ACH Origination with External Transfer (out) $3 Standard delivery fee for all outgoing transfers. Retail Online Banking ACH Origination with External Transfer (out) $5 Next-day delivery fee for all outgoing transfers. Stop Payment $32 Per request made: in branch, over the phone, via email, or within Online Banking or our mobile app (excluding Web BillPay). BillPay Stop Payment $25 Per request for payments initiated through our BillPay. Check Orders Varies Order online or at a branch near you. ATM Withdrawal at Foreign ATMs $3 Per item at an ATM outside of our network. GECU ATMs and those in our surcharge-free partner networks are excluded. Additional fees may be charged by an ATM provider, if not in network. ATM Empty Envelope Deposit $25 Per item. Escheatment Processing $20 Per item. Inactive Account $6 Per month during inactivity period on savings account, checking, or money market account. Simply Free Business Checking Transaction $0.25 Per transaction. The first 500 transactions are free. Transactions exceeding 500 per month will incur this fee. Transaction includes: Cleared checks, debit card withdrawal, ACH debits/ credits, deposited transactions (per fund type and per transaction type, and we over-the-counter withdrawal). Cash Deposit $0.25 Per $100. The first $10,000 cash deposit is free. Cash deposits exceeding $10,000 per month will tell you when incur this fee. Premier Business Checking Monthly Maintenance $15 Per month. The $15 monthly fee can be avoided if the funds account maintains a $10,000 or greater daily balance. Transaction $0.25 Per transaction. The first 500 transactions are free. Transactions exceeding 500 per month will be availableincur this fee. They Transaction includes: Cleared checks, debit card withdrawal, ACH debits/ credits, deposited transactions (per fund type and per transaction type, and over-the-counter withdrawal). Cash Deposit $0.25 Per $100. The first $10,000 cash deposit is free. Cash deposits exceeding $10,000 per month will generally be available no later than the seventh business day after the day of your deposit.incur this fee. Miscellaneous Fees Account Research $30 Per hour; minimum one-hour charge. Court Order Processing/ Garnishment/Levy $40 Per Item. Duplicate IRS Reporting Form $5 Per request. Enhanced Business Online Banking $10 Per month. On-Us Check Cashing $5 Per request for non-members. Overnight Mail $25 Per request. Returned Statement $5 Per statement for incorrect mailing address. Safe Deposit Box Drilling $225 Per request. Safe Deposit Box Replacement Key $25 Per request. Statement Copy $5 Per request for additional copy. Questions? Contact Us Phone 000.000.0000 or 800.542.7093 Email xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xxx Log in to Online Banking, click Support and then Secure Email. Chat Visit: xxxxxxxxxxxxx.xxx/xxxxxxx Log in to Online Banking, click Support and then Secure Chat. Mail General Electric Credit Union 00000 Xxxxxxx Xxxx Xxxxxxxxxx, XX 00000

Reservation of Right to Hold. In some cases, we will not make all the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 of your deposit, however, may be available for withdrawal on the same business day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawal. If your deposit is not made directly to one of our employees, or if we take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available for withdrawal. Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules when: ● We believe there is reasonable cause to doubt the collectability. ● You deposit checks totaling more than $5,000 on any one day. ● You redeposit a check that has been returned unpaid. ● You have overdrawn your account: ○ o On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ o On two or more banking days during the previous six months the account balance was negative in the amount of $5,000 or more, or would have been had checks and charges been paid. ● There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. The Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 225.00 of your deposit, howeveror such greater amount as required by annual adjustments to Regulation CC, may will be available for withdrawal on the same first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available for withdrawalavailable. Electronic Transfers from Outside the United States. If you receive an electronic funds transfer from outside of the United States, we reserve the right to delay availability of those funds pending verification that no sender, intermediary, or other party to the transfer appears on any list of known or suspected terrorists or terrorist organizations issued by any Federal government agency and designated as such by The U. S. Treasury Department in consultation with the Federal functional regulators. Longer Delays May Apply: We In some cases, we will not make all of the funds from a negotiable instrument you deposit available at the times otherwise provided for herein. Certain negotiable instruments may delay your ability to withdraw funds deposited by check into your account an additional number of days be delayed for a longer period under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whenfollowing circumstances known as safeguard exceptions: ● • We believe there is reasonable cause to doubt the collectabilitya check you deposit will not be paid. ● • You deposit checks totaling more than $5,000 5,525 or such greater amount as allowed by annual adjustments to Regulation CC on any one day. ● • You redeposit a check that has been returned unpaid. ● • You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six months. ● • There is an emergency, such as failure of computer or communications equipment. • New Accounts We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business ninth day after the day of your deposityou deposited the funds. The Credit Union reserves the right to not accept particular instruments for any reason.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, however, may the first $200.00 of your deposit will be available for withdrawal on the same first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if of we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available available. A completed application must be submitted for withdrawalOnline Account Access. Longer Delays May Apply: We Please allow 2 days for processing. Upon completion, we will contact you confirmation and instructions for use. PATENT AND TRADEMARK OFFICE FEDERAL CREDIT UNION FUNDS AVAILABILITY POLICY Effective July 21, 2011 Deposit Description When funds can be withdrawn by cash or check Direct Deposit Cash, wire transfers, cashiers, certified, tellers, or government checks, checks drawn on Patent and Trademark Office Federal Credit Union and the first $200.00 of a days deposit of other checks Checks The day we receive the deposit The first business day after the day of deposit The second business day after the day of deposit. Under certain circumstances, we may delay the availability of your ability funds longer, up to withdraw funds deposited by check into your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules when: ● We believe there is reasonable cause to doubt the collectability. ● You deposit checks totaling more than $5,000 on any one day. ● You redeposit a check that has been returned unpaid. ● You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative in the amount of $5,000 or more, or would have been had checks and charges been paid. ● There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of deposit. If we decide to delay your funds availability, we will notify you at the time of your in person deposit, or as soon as possible for other deposits. * If any checks have been returned on your account in the past, you will be subject to a seven day hold. Patent & Trademark Office Federal Credit Union Online Account Access Disclosure 🞎 “I DO Accept the Terms and Conditions” Thank you for your application to ONLINE ACCOUNT ACCESS services. We will begin processing your application immediately. Typical processing time is two (2) business days. However, during our initial sign-up phase we are anticipating a large volume of applications and processing may take up to five (5) days. Once completed, we will contact you with instructions on how to start Patent & Trademark Office Credit Union’s most exciting new service, ONLINE ACCOUNT ACCESS. If you have any questions, please return to our Home Page and send us an e-message. Welcome to Patent & Trademark Office Federal Credit Union’s ONLINE ACCOUNT ACCESS services! You’re going to love the convenience! 🞎 “I DO NOT.Accept the Terms and Conditions” We’re sorry, ONLINE ACCOUNT ACCESS services cannot be provided without your acceptance of our Terms and Conditions. Feel free to reconsider and apply at a later date. Should you require more information, please e-mail us and be sure to include your daytime phone number so we can contact you. For your convenience, you will now be returned to Patent & Trademark Office Federal Credit Union’s Home Page. Online Account Access Application To sign-up now for Online Account Access and receive instant access to your account, print this form and fax to the credit union at 000-000-0000. A member services representative will contact you to set-up your account access. Your Name Your Account NumberYour Account Number Social Security NumberSocial Security Number Date of Birthte of Birth Zip CodeZip Code Mother’s Maiden NameMother’s Maiden Name Home Telephone NumberHome Telephone Number Work Telephone NumberWork Telephone Number Email AddressE-mail Address Audio Response PIN Audio Response PIN *Enter your name as it appears on your statement.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, however, may the first $225.00 of your deposit will be available for withdrawal on the same first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if of we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available available. A completed application must be submitted for withdrawalOnline Account Access. Longer Delays May Apply: We may delay Please allow 2 days for processing. Upon completion, we will contact you confirmation and instructions for use. Patent & Trademark Office Federal Credit Union Online Account Access Disclosure 🞎 “I DO Accept the Terms and Conditions” Thank you for your ability application to withdraw funds deposited by check into your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules when: ● We believe there is reasonable cause to doubt the collectability. ● You deposit checks totaling more than $5,000 on any one day. ● You redeposit a check that has been returned unpaid. ● You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative in the amount of $5,000 or more, or would have been had checks and charges been paid. ● There is an emergency, such as failure of computer or communications equipmentONLINE ACCOUNT ACCESS services. We will notify you if begin processing your application immediately. Typical processing time is two (2) business days. However, during our initial sign-up phase we delay your ability are anticipating a large volume of applications and processing may take up to withdraw funds for any of these reasonsfive (5) days. Once completed, and we will tell contact you when with instructions on how to start Patent & Trademark Office Credit Union’s most exciting new service, ONLINE ACCOUNT ACCESS. If you have any questions, please return to our Home Page and send us an e-message. Welcome to Patent & Trademark Office Federal Credit Union’s ONLINE ACCOUNT ACCESS services! You’re going to love the funds convenience! 🞎 “I DO NOT.Accept the Terms and Conditions” We’re sorry, ONLINE ACCOUNT ACCESS services cannot be provided without your acceptance of our Terms and Conditions. Feel free to reconsider and apply at a later date. Should you require more information, please e-mail us and be sure to include your daytime phone number so we can contact you. For your convenience, you will now be availablereturned to Patent & Trademark Office Federal Credit Union’s Home Page. They Online Account Access Application To sign-up now for Online Account Access and receive instant access to your account, print this form and fax to the credit union at 000-000-0000. A member services representative will generally be available no later than the seventh business day after the day contact you to set-up your account access. Your Name Your Account Number Social Security Number Date of Birth Zip Code Mother’s Maiden Name Home Telephone Number Work Telephone Number Email Address Audio Response PIN Audio Response PIN *Enter your depositname as it appears on your statement.

Reservation of Right to Hold. In some cases, we We will not make all the funds that you You deposit by check available to you You on the same 1st business day that we after We receive your Your deposit. The Depending on the type of check You deposit, funds may not be available FUNDS AVAILABILITY POLICY DISCLOSURE (continued) until the 2nd business day following the day of Your deposit. However, for Checking Accounts, the first $200 225.00 of your deposit, however, may Your deposit will be available for withdrawal on the same 1st business day following the day of your Your deposit. If we We are not going to make all of the funds from your Your deposit available for withdrawal on the same 1st business dayday following the day of Your deposit, we We will notify you You at the time you You make your Your deposit. We will also tell you You when the funds will be available for withdrawalavailable. If your Your deposit is not made directly to one of our Our employees, or if we We decided to take this action after you You have left the premises, we We will mail you You the notice by the next business day after we We receive your Your deposit. If you You will need the funds from a deposit right away, you You should ask us Us when the funds will be available available. Any request for withdrawalpayment against funds on which a hold has been placed will be returned unpaid. Longer Delays May Apply: . We may delay your Your ability to withdraw funds deposited by check into your account Your Account an additional number of days under certain circumstances. Federal law provides exceptions to for the federal funds availability schedules whenfollowing reasons: ● • We believe there is reasonable cause to doubt the collectabilitya check You deposit will not be paid. ● • You deposit checks totaling more than $5,000 5,525.00 on any one day. ● • You redeposit deposit a check that has been returned unpaid. ● • You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative Your Account repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast 6 months. ● • There is an emergency, such as failure of communications or computer or communications equipment. We will notify you You if we We delay your Your ability to withdraw funds for any of these reasons, and we We will tell you You when the funds will be available. They will generally be available no later than the seventh 7th business day after the day of your Your deposit. In any case, We reserve the right to refuse an item for deposit or encashment. Location of Check Endorsements. Federal law requires all check endorsements to be in the first 1-1/2 inches of the trailing edge of the back of the check. The trailing edge is opposite the left side of the face of the check, the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that do not comply with the endorsement standards.

Reservation of Right to Hold. In some cases, we will not make all the funds that you deposit by check available to you on the same first business day that we receive after the day of your deposit. The first $200 of your 250 ofyour deposit, however, may be made available for withdrawal on the same business day date of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same first business day, we will notify you at the time you make your deposit. We will detail the date of deposit, account number to be deposited in to, the amount of the deposit and the amount of deposit that may be made delayed. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you will need youneed the funds from a deposit right awayrightaway, you should ask us when the funds will be available for withdrawalavailable. Longer Delays May Apply: We may delay your ability to withdraw funds deposited by check into your account an additional number of for up to seven (7) business days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whenfor these reasons: ● We believe there is reasonable cause to doubt the collectability. ● • You deposit checks totaling more than $5,000 6,000 on any one day. ● You redeposit • New membership - a check that has been returned unpaidnew membership is defined as any membership opened within the last thirty (30) calendar days. ● • You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six months. ● • There is an emergency, such as failure of computer or communications equipment. • We believe a check you deposit will notify not be paid. • You redeposit a check that has been returnedunpaid. Members may request a copy of the full Funds Availability Policy and any Hold Notice that may have been supplied by visiting a local branch or writing to General Electric Credit Union at: General Electric Credit Union 00000 Xxxxxxx Xxxx Xxxxxxxxxx, XX 00000 Rev.06/2022 FACTS Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you if how we delay collect, share, and protect your ability personal information. Please read this notice carefully to withdraw funds understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number, name, address, and income • Payment, transaction, and account history • Credit history and credit scores How? All financial companies need to share customers’/members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons General Electric Credit Union (GECU) chooses to share; and whether you can limit this sharing. Reasons we can share your personal information: Does GECU Share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No For our affiliates’ everyday business purposes— information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For non‐affiliates to market to you Yes Yes Who are we: Who is providing this notice? General Electric Credit Union (GECU) What we do: To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does GECU protect my personal We restrict access to non‐public personal information about you to those information? employees who have a specific business purpose in utilizing your data. Our employees are trained on the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non‐public personal information. How does GECU collect my personal information? We collect your personal information, for example, when you: • Open an account or apply for a loan • Make deposits or withdrawals from your account • Show your government issued ID or use your credit or debit card We also collect your personal information from others such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • Sharing for affiliates’ everyday business purposes—information about your creditworthiness. • Affiliates from using your information to market to you. • Sharing for non‐affiliates to market to you. What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account. Definitions Affiliates Companies related by ownership or control. They can be financial and non‐financial companies. • Our affiliate is a financial company, CUSO (Credit Union Service Organization) Corp., a wholly owned subsidiary of General Electric Credit Union. Non‐affiliates Companies not related by common ownership or control. They can be financial and non‐financial companies. • Non‐affiliates we share with can include companies such as credit bureaus, data processors, credit and debit card processing networks, broker‐dealers, and mailing and distribution services, and other third party vendors. Joint Marketing A formal agreement between non‐affiliated financial companies that together market financial products or services to you. • Our joint marketing partners include companies that provide insurance products such as Accidental Death and Dismemberment and Guaranteed Asset Protection Insurance. There are no charges levied against any of these reasonsour accounts other than what is listed. Current Fee Schedule Effective: October 27, 2021 When you use an ATM not owned by us, you may be charged a surcharge fee by the ATM operator or owner or any network used and we will tell you may be charged a fee for a balance inquiry. Deposit Accounts Money Order $5 Per item. Cashier’s Check $5 Per item. Insufficient Funds Charge (Returned) $32 Per item presented for return/unpaid items. Insufficient Funds Charge (Paid) $32 Per item presented. A fee that is charged when an ACH/Check, recurring debit card transactions is used to access an available overdraft limit to pay the funds will item, also known as an Overdraft fee. Insufficient Funds Charge- Paid $32 Per item presented. A fee that is charged when Extended Courtesy Overdraft is used to access an available overdraft limit to pay the ATM/POS transactions and every day debit card transactions, also known as an Overdraft fee. Insufficient Funds Charge~ Paid $32 Per item presented. A fee that is charged when an online transaction, Interactive Teller Machine (ITM), or over the counter transaction is used to access an available overdraft limit to pay the item, also known as an Overdraft fee. Uncollectible Deposit $10 Per item presented. Member deposits or cashes an item that is returned unpaid. Check Copy $5 Per item. Premature Account Closing $15 If the member requests an account is closed within 90 days of opening. Wire Transfer - Domestic $20 Per outgoing wire request. Wire Transfer - International $50 Per outgoing wire request. Lost Debit/Credit Card $10 Per card to replace. Expedited Card Delivery $49 Per request Online Banking ACH Origination with External Transfer (in) $0 For all incoming transfers. Online Banking ACH Origination with External Transfer (out) $3 Standard delivery fee for all outgoing transfers. Online Banking ACH Origination with External Transfer (out) $5 Next-day delivery fee for all outgoing transfers. Stop Payment $32 Per request made: in branch, over the phone, via email, or within Online Banking or our mobile app (excluding Bill Pay). Bill Pay Stop Payment $25 Per request for payments initiated through our Bill Pay. Check Orders Varies Order online or at a branch near you. ATM Withdrawal at Foreign ATMs $3 Per item at an ATM outside of our network. GECU ATMs and those in our surcharge-free partner networks are excluded. Additional fees may be availablecharged by an ATM provider, if not in network. They will generally be available no later than the seventh business day after the day ATM Empty Envelope Deposit $25 Per item. Escheatment Processing $20 Per item. Inactive Account $6 Per month during inactivity period on savings account, checking, or money market account. Consumer Loans Change of your deposit.Terms Up to $100 Per request. Credit Card Payment by Phone $4 Per request. Mortgage Payoff Processing $30 Per request. Returned Item Charge $32 Per item presented. Subordination Prep $250 Per request. Miscellaneous Fees Account Research $30 Per hour; minimum one hour charge. Court Order Processing/ Garnishment/Levy $40 Per item. Duplicate IRS Reporting Form $5 Per request. On-Us Check Cashing $5 Per request for non-members. Overnight Mail $25 Per request. Returned Statement $5 Per statement for incorrect mailing address. Safe Deposit Box Drilling $225 Per request. Safe Deposit Box Replacement Key $25 Per request. Statement Copy $5 Per request for additional copy. Questions? Contact Us Phone 000.000.0000 or 800.542.7093 Email xxxxxxxxxxxxxx@xxxxxxxxxxxxx.xxx Log in to Online Banking, click Support and then Secure Email Log in to our mobile app, click Menu or More and then Secure Email Chat Visit: xxxxxxxxxxxxx.xxx/xxxxxxx Log in to Online Banking, click Support and then Secure Chat Mail General Electric Credit Union 00000 Xxxxxxx Xxxx Xxxxxxxxxx, XX 00000 Routing Number 0000-0000-0

Reservation of Right to Hold. In some cases, we We will not make all the funds that you You deposit by check available to you You on the same 1st business day that we after We receive your Your deposit. The Depending on the type of check You deposit, funds may not be available until the 2nd business day following the day of Your deposit. However, the first $200 225.00 of your deposit, however, may Your deposit will be available for withdrawal on the same 1st business day following the day of your Your deposit. If we We are not going to make all of the funds from your Your deposit available for withdrawal on the same 1st business dayday following the day of Your deposit, we We will notify you You at the time you You make your Your deposit. We will also tell you You when the funds will be available for withdrawalavailable. If your Your deposit is not made directly to one of our Our employees, or if we We decided to take this action after you You have left the premises, we We will mail you You the notice by the next business day after we We receive your Your deposit. If you You will need the funds from a FUNDS AVAILABILITY POLICY DISCLOSURE (continued) deposit right away, you You should ask us Us when the funds will be available available. Any request for withdrawalpayment against funds on which a hold has been placed will be returned unpaid. Longer Delays May Apply: . We may delay your Your ability to withdraw funds deposited by check into your account Your Account an additional number of days under certain circumstances. Federal law provides exceptions to for the federal funds availability schedules whenfollowing reasons: ●  We believe there is reasonable cause to doubt the collectabilitya check You deposit will not be paid. ●  You deposit checks totaling more than $5,000 5,525.00 on any one day. ●  You redeposit deposit a check that has been returned unpaid. ●  You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative Your Account repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast 6 months. ●  There is an emergency, such as failure of communications or computer or communications equipment. We will notify you You if we We delay your Your ability to withdraw funds for any of these reasons, and we We will tell you You when the funds will be available. They will generally be available no later than the seventh 7th business day after the day of your Your deposit. Location of Check Endorsements. Federal law requires all check endorsements to be in the first 1-1/2 inches of the trailing edge of the back of the check. The trailing edge is opposite the left side of the face of the check, the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that do not comply with the endorsement standards.

Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that we receive your deposit. The first $200 Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, however, may the first $200.00 of your deposit will be available for withdrawal on the same business day of your deposit. If we are not going to make all of the funds from your deposit available for withdrawal on the same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available for withdrawalavailable. If your deposit is not made directly we decide to one of our employees, or if we take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit. If you do not make your deposit in person to one of our employees at one of our branches (for example, if you mail a deposit) funds from these deposits may not be available until the second business day after the day we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available for withdrawalavailable. Longer Delays May Apply: We may delay your ability to withdraw Safeguard Exceptions In addition, funds deposited you deposit by check into may be delayed for a longer period. Funds under the following circumstances will generally be available no later than the seventh business day after the day of your account an additional number of days under certain circumstances. Federal law provides exceptions to the federal funds availability schedules whendeposit: ●  We believe there is reasonable cause to doubt the collectabilitya check you deposit will not be paid (collected). ●  You deposit checks totaling more than $5,000 on any one day. ● (The first $200 will be available the day of deposit, an additional $4,800 will be available on the second business day, and excess over $5,000 will be available on the fifth business day).  You redeposit a check that has been returned unpaidunpaid (re-deposited checks). ●  You have overdrawn your account: ○ On six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid, or ○ On two or more banking days during the previous six months the account balance was negative repeatedly in the amount of $5,000 or more, or would have been had checks and charges been paidlast six months. ●  There is an emergency, such as failure of computer or communications equipment, natural disasters, or other situations that prevent us from processing checks as normal. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. Restriction Required by Applicable Laws - We will block, limit or otherwise restrict certain accounts or transactions when we believe in good faith that certain laws including but not limited to the Bank Secrecy Act, USA Patriot Act and Office of Foreign Assets Control Act require us to do so.