Common use of Transaction Limitations Clause in Contracts

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;

Transaction Limitations. During any calendar month, You The Account balance may not make more never be less than six withdrawals from or transfers to another Credit Union the principal owed on the obligation secured by this Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third partyplus all accrued interest and fees. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order The minimum balance required to earn open this Account is $1,000.00. SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the disclosed current dividend rate and corresponding APY, You must maintain an average daily refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance that required to open this Account is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information25,000.00. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT BUSINESS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT BUSINESS MONEY MARKET CHECKING ACCOUNT Tiered Variable Rate Information. This Account is These Accounts are subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order No minimum balance requirements apply to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ONE TIME BUMP CERTIFICATE ACCOUNT Variable Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance RequirementsAfter establishing Your Account, You may make one request to have Your One Time Bump Certificate Account rate increased to a rate equal to that of a regular Certificate Account having the same term to maturity as Your original term. In order that event, Your original term to earn maturity will remain unchanged, and the disclosed APY, You must have on deposit with increased rate will only apply to the credit union an aggregate total remaining term of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;Your Account.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. No other transaction limitation will apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable TEEN CHECKING Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. The minimum balance required to open this Account is $10.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR POWER CHECKING Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. The minimum balance required to open this Account is $10.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR ADVANTAGE CHECKING Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements required to open this Account is $10.00. To avoid a fee, You must maintain a balance in Your Account each day that is at least equal to $2,500.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR MONEY MARKET ACCOUNT Tiered Fixed Rate Information. This Account is subject to a Tiered Fixed Rate. For the current interest rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $2,500.00. In order to earn the disclosed APY, You must maintain a balance in Your Account each day that is at least equal to $2,500.00. Transaction Limitations. After Your Account is establishedDuring any calendar month, You may not make any more than six withdrawals from Your Accountor transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day by check, draft, debit card, if the Scheduled Withdrawal Date is not applicable, or similar order to a business day) We will transfer the entire balance then on deposit to Your Share Accountthird party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. No other transaction limitation will apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable MEMBER CERTIFICATE ACCOUNTS Tiered Fixed Rate Information. This Account is subject to a Variable Tiered Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No For the minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this DisclosureAccount Disclosure Rate Supplement. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply required to this Account. Transaction Limitations. No transaction limitations apply open Your Account each day to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn obtain the disclosed APY, You must maintain an average daily balance that is at least equal APY and to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This keep Your Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;open.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB SHARE DRAFT ACCOUNT Variable Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate Dividend Rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. You must maintain an average daily balance at least equal to $5.00 during each dividend period to obtain the disclosed APY. Transaction Limitations. No minimum balance requirements transaction limitations apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB CERTIFICATE OF DEPOSIT ACCOUNT Variable Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No For the minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this DisclosureAccount Disclosure Rate Supplement. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Once Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer established You may not make additional deposits into Your Account prior to the accompanying account disclosure rate supplement which We have included with and made a part of this DisclosureMaturity Date. Minimum Balance RequirementsMaturity Date. In order to earn Your Account will mature after the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to term indicated on the accompanying account disclosure rate supplement which We have included with and made a part of this DisclosureAccount Disclosure Rate Supplement. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: ACCOUNT DISCLOSURES (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;continued)

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be Individual Retirement Accounts are subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB SHARE DRAFT ACCOUNT Variable Rate Dividend Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of No dividends are paid on this DisclosureAccount. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your No transaction limitations apply to this Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION BEACON CLUB CHECKING ACCOUNT Variable Rate Dividend Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of No dividends are paid on this DisclosureAccount. Minimum Balance Requirements. No The minimum balance requirements required to open this Account is $20.00. Transaction Limitations. No transaction limitations apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order The minimum balance required to earn the disclosed APY, open this Account is $5.00. You must maintain an average daily a balance that of $100.00 in Your Account each day to obtain the disclosed Annual Percentage Yield. Transaction Limitations. Once Your Account is established withdrawals must be at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed 250.00, and no more than three withdrawals may be made by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional informationcheck during each dividend period. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT OOPS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No The minimum balance requirements apply required to open this AccountAccount is $25.00. Transaction Limitations. No transaction limitations apply to this Account. Additional Information. In order to open and maintain an Account You must consent to receive Your periodic statements electronically. In order to keep Your Account open, during any six-consecutive month period no more than five items may be presented for payment when Your Account lacks sufficient collected funds to pay such items. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT VISION REWARDS CHECKING ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order No minimum balance requirements apply to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00this Account. Transaction Limitations. No transaction limitations apply to this Account. Additional Information. In order to earn dividends at the disclosed rate and be eligible to receive credit for ATM fees incurred (up to $20.00 in ATM refunds during the cycle but only $5.00 per transaction), during each qualifying period You must: (a) make at least one direct deposit to, or ACH debit from, Your Account; (b) make 12 or more purchase transactions (evidenced by Your statement) using Your VISA Check Card; and (c) consent to receive Your periodic statements electronically. Each qualifying period will begin on the last business day of the preceding dividend period, and end on the business day that precedes the last business day of the current dividend period. You will not be paid any accrued but uncredited Dividends at the time You close Your Account, nor will you be reimbursed for any accrued but unreimbursed ATM fees at such time. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;CERTIFICATE ACCOUNT(S)

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, The principal balance in Your Account may be subject to closure by the Credit Unionnot at any time exceed $1,500.00. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB EMERGENCY FUND SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union$10.00. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union$10.00. SPECIFIC TERMS APPLICABLE TO YOUR IRA HOLIDAY CLUB SHARE ACCOUNT Variable Rate Information. This Account is subject to a Varialbe Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $10.00. SPECIFIC TERMS APPLICABLE TO YOUR MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $2,500.00. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 2,500.00 in Your IRA agreement or tax advisor for additional informationAccount each day. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT FRESH START CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT PIONEER CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR INVESTOR REWARDS CHECKING ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order No minimum balance requirements apply to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS CASH REWARDS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR GIVE REWARDS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR TERM SHARE DRAFT ACCOUNT Variable ACCOUNTS Fixed Rate Information. This Account is These Accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order For the minimum balance required to earn open these Accounts, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;annual percentage yield and to keep Your Account open.

Transaction Limitations. During any calendar monthOnce Your Account is established, You may not make more than six any withdrawals from or transfers to another Credit Union Account of Yours or to a third party party, by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third partyelectronic fund transfer of any kind. If You exceed these limitations, Your Account may be Individual Retirement Accounts are also subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB MY SMART CHECKING ACCOUNT Variable Tiered Fixed Rate Information. This Account is subject to a Variable Tiered Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. To obtain the disclosed annual percentage yield, You must maintain an average daily balance at least equal to $0.01 in Your Account during each dividend period. Transaction Limitations. No minimum balance requirements transaction limitations apply to this Account. Transaction LimitationsAdditional Information. After Your Account is establishedIn order to earn dividends at the disclosed rate, during each dividend period You may not must: (a) make any withdrawals from at least one direct deposit to, or ACH debit from, Your Account, except for the scheduled withdrawal that occurs on October ; and (b) make 10 or more point of each year sale credit transactions (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year evidenced by Your statement) using Your Debit Card; and (or on the next business day if the Scheduled Withdrawal Date is not a business dayc) We will transfer the entire balance then on deposit consent to receive Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Unionperiodic statements electronically. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB CHECKING ACCOUNT Variable Tiered Fixed Rate Information. This Account is subject to a Variable Tiered Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. To obtain the disclosed annual percentage yield, You must maintain an average daily balance at least equal to $0.01 in Your Account during each dividend period. Transaction Limitations. No minimum balance requirements transaction limitations apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable SHARE CERTIFICATE AND PAYROLL CERTIFICATE ACCOUNTS Fixed Rate Information. This Account is These Accounts are subject to a Tiered Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn For the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply required to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APYopen these Accounts, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average a daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply the minimum balance required to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This open Your Account is subject during each interest period to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;annual percentage yield and to keep Your Account open.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Withdrawal Restrictions. The Credit Union Account will permit a withdrawal only if you have sufficient available funds in your account to cover the full amount of Yours the withdrawal or to a third party by means of a pre-authorized have an established overdraft protection plan. Certain transactions such as debit card preauthorization holds and deposited check holds can impact the available balance on your account. Checks, transfers or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account other payment orders that are drawn against insufficient available funds may be subject to closure a service charge up to the amount set forth in the Rate Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at the Credit Union's discretion. The Credit Union may also refuse to allow a withdrawal in other cases. For example, any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You may be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account (except checking accounts) of no less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Transfer Limitations. We may limit the dollar amount or the number of transfers from your account. Please consult your Truth-in-Savings Disclosure or your Electronic Fund Transfers Agreement and Disclosure. OVERDRAFT/COURTESY PAY Overdraft Liability. If on any day, the available funds in your Checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures. The Credit Union's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union's processing deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge an insufficient funds (NSF) fee for an item whether paid or returned as set forth in the Schedule of Fees. We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your account. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any processing deadline limits. Courtesy Pay Courtesy Pay is a non-contractual, discretionary, service of paying overdrafts. It is not a loan. Courtesy Pay protects your financial standing and provides a measure of protection against human error. Courtesy Pay is an overdraft program offered by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject Union in addition to our other types of overdraft protection (i.e. overdraft tied to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Savings account disclosure rate supplement which We have included with and made a part or an overdraft line of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”credit). On the Scheduled Withdrawal Date each year (or Courtesy Pay is available only on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Accountpersonal Checking Accounts. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in All members who meet the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;criteria are automatically enrolled in Courtesy Pay:

Transaction Limitations. During any calendar month, You The Account balance may not make more never be less than six withdrawals from or transfers to another Credit Union the principal owed on the obligation secured by this Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third partyplus all accrued interest and fees. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order The minimum balance required to earn open this Account is $1,000.00. SPECIFIC TERMS APPLICABLE TO YOUR HIGH YIELD MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the disclosed current dividend rate and corresponding APY, You must maintain an average daily refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance that required to open this Account is at least equal to $100.0025,000.00. Transaction LimitationsSPECIFIC TERMS APPLICABLE TO YOUR PRIME MONEY MARKET ACCOUNT Tiered Variable Rate Information. Individual Retirement Accounts (IRAs) are also This Account is subject to limitations imposed by a Tiered Variable Rate. For the Internal Revenue Servicecurrent dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Please consult Minimum Balance Requirements. The minimum balance required to open this Account is $20,000.00. In addition, no portion of the funds deposited at the time Your IRA agreement or tax advisor for additional informationAccount is established may come from funds already on deposit with the Credit Union (the entire amount deposited must be funds from a source other than funds held at the Credit Union). SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT BUSINESS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT BUSINESS MONEY MARKET CHECKING ACCOUNT Tiered Variable Rate Information. This Account is These Accounts are subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order No minimum balance requirements apply to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ONE TIME BUMP CERTIFICATE ACCOUNT Variable Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance RequirementsAfter establishing Your Account, You may make one request to have Your One Time Bump Certificate Account rate increased to a rate equal to that of a regular Certificate Account having the same term to maturity as Your original term. In order that event, Your original term to earn maturity will remain unchanged, and the disclosed APY, You must have on deposit with increased rate will only apply to the credit union an aggregate total remaining term of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;Your Account.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or your account until the maturity date. Deposits may be made in $1,000.00 increments up to a third party by means total of $25,000.00 in the first half of the term of the certificate of deposit. Additional deposit will not change the maturity date. MATURITY DATE Your account will mature . RENEWAL POLICIES Your account will automatically renew at maturity. You will have a pre-authorized grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. CHECKING ACCOUNT WITH SUBACCOUNTS. This provision only applies to your account if it is a transaction account, such as a checking account or automatic transfer a NOW account. Your account consists of two subaccounts: A checking subaccount and a savings subaccount. The checking subaccount is your transaction account. We may use either a savings account or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third partymoney market account as your savings subaccount. If You exceed these limitationsthe amount of money in your checking subaccount exceeds a certain threshold amount, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APYas determined in our sole discretion, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We we will transfer the entire balance then on deposit to Your Share Accountamount above the threshold into your savings subaccount. We will make this transfer at the beginning of each monthly statement period. If You exceed these limitationson any day the daily beginning balance in your checking subaccount is less than the total of the new debits (such as checks and other withdrawals), Your Account may then money will be subject automatically transferred from your savings subaccount back to closure by the Credit Unionyour checking subaccount. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer The amount transferred back to the accompanying account disclosure rate supplement which We have included with and made a part checking subaccount will be the total of this Disclosurethe debits minus the daily beginning balance, but will not exceed the amount of money in the savings subaccount. Minimum Balance Requirements. No minimum balance requirements apply If six transfers from the savings subaccount to this Account. Transaction Limitations. After Your Account is establishedthe checking subaccount occur during any statement period, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer then the entire balance then of the savings subaccount will be transferred to your checking subaccount for the remainder of that statement period. The transfers between the subaccounts will occur only on deposit our books and will not affect the balance, interest, fees, or features of your account. Other than as described above, the Deposit Account Agreement controls your account as if there were no subaccounts. ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT NOTICE We may report information about your account to Your Share Accountcredit bureaus. If You exceed these limitationsLate payments, Your Account missed payments, or other defaults on your account may be subject reflected in your credit report. We may also report adverse information about your account to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;other consumer reporting agencies such as check reporting systems.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB HIGH YIELD MONEY MARKET ACCOUNT Variable Tiered Fixed Rate Information. This Account is subject to a Variable Tiered Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this AccountAccount is $25,000.00. In order to earn the disclosed APY, You must maintain a balance at least equal to $25,000.00 each day. Transaction Limitations. After Your Account is establishedDuring any calendar month, You may not make any more than six withdrawals from Your Accountor transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day by check, draft, debit card, if the Scheduled Withdrawal Date is not applicable, or similar order to a business day) We will transfer the entire balance then on deposit to Your Share Accountthird party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT BUSINESS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ONE TIME BUMP CERTIFICATE ACCOUNT Variable Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order For the minimum balance required to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to open this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made Account Disclosure Rate Supplement. You must maintain a part of this Disclosure. Minimum Balance Requirements. In order balance equal to earn the minimum balance required to open Your Account each day to obtain the disclosed APY, annual percentage yield and to keep Your Account open. Transaction Limitations. Once Your Account is established You must have may not make additional deposits into Your Account prior to the Maturity Date. Maturity Date. Your Account will mature after the term indicated on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;accompanying Account Disclosure Rate Supplement.

Transaction Limitations. During any calendar month, You We may not make more than six limit the number of transfers and/or electronic withdrawals from or transfers in accordance to another Credit Union Account of Yours or Federal Regulation D. SPECIFIC TERMS APPLICABLE TO YOUR IRA SHARE ACCOUNTS Variable Rate Information. These accounts are subject to a third party by means Variable Rate. For the current dividend rate and corresponding APY, refer to the separate page titled “Account Disclosure Rate Supplement”, which we have included with and made a part of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third partythis Disclosure. If You exceed these limitations, Your Account may be Transaction Limitations. Individual Retirement Accounts are subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see your IRA Agreement or your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB HEALTH SAVINGS SHARE ACCOUNT Variable Rate Information. This Account account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement separate page titled “Account Disclosure Rate Supplement”, which We we have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to this Accountopen these Accounts is $5.00. You must maintain a balance of $100.00 in your account each day to obtain the disclosed APY. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be Health Savings Accounts are subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable TERM SHARE & IRA TERM SHARE/CERTIFICATE ACCOUNTS Fixed Rate Information. This Account is These accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement separate page titled “Account Disclosure Rate Supplement”, which We we have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to this Accountopen these Accounts is $500.00. Transaction LimitationsYou must maintain a balance equal to the minimum balanced required to open your account each day to obtain the disclosed APY and to keep your account open. After Maturity Date. Your Account is established, You may not make any withdrawals from Your Account, except for account will mature after the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or term indicated on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitationsseparate page titled “Account Disclosure Rate Supplement”, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We we have included with and made a part of this Disclosure. Minimum Balance RequirementsEarly Withdrawal Provision. In order to earn We will impose a penalty if you withdraw any of the disclosed APY, You must maintain an average daily balance that is at least principal funds before the maturity date. The penalty imposed will equal 30 days of dividends on the amount withdrawn for accounts having a term of less than one year; and 90 days of dividends on the amount withdrawn for accounts having a term equal to $100.00or greater than one year. Transaction LimitationsRenewal Policies. Individual Retirement Accounts (IRAs) are also subject Your account will renew automatically at maturity and you will have a grace period of 10 calendar days following the maturity date to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;make withdrawals without penalty.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers No transaction limitations apply to another Credit Union this Account. Sub-Accounts. This Account of Yours or to a third party by means consists of a pretransaction sub-authorized or automatic transfer or telephonic order or instructionaccount and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, or by check, draft, debit card, if applicable, or similar order at which time they will be transferred to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Uniontransaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB VACATION SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate supplement and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SECURED VISA SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR TRADITIONAL IRA MONEY MARKET, XXXX XXX MONEY MARKET, ESA MONEY MARKET, AND SEP IRA MONEY MARKET ACCOUNTS Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be Individual Retirement Accounts are subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB SAVINGS PLUS ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit No transaction limitations apply to Your Share this Account. If You exceed these limitationsSub-Accounts. This Account consists of a transaction sub-account and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, Your Account may at which time they will be subject transferred to closure by the Credit Uniontransaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR IRA PREMIUM YIELD ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate rates and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 2,500.00 in Your IRA agreement or tax advisor for additional informationAccount during each day. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT CHECKING ACCOUNT Dividend Tiered Variable Rate Information. No dividends are paid on This Account is subject to a Tiered Variable Rate. For the current dividend rates and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this AccountDisclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. Sub-Accounts. This Account consists of a transaction sub-account and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, at which time they will be transferred to the transaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APYminimum balance required to open these Accounts, refer to the accompanying account disclosure rate supplement which We have included with and made Account Disclosure Rate supplement. You must maintain a part of this Disclosure. Minimum Balance Requirements. In order balance equal to earn the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;annual percentage yield and to keep Your Account open.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ARIZONA CHECKING ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements$20.00. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $1,000.00 in Your Account each day. In order to avoid a fee, during each dividend period You must: (i) maintain an aggregate average daily balance (of all of Your Credit Union Accounts and loans) that is at least equal to $2,000.00; (ii) make a direct deposit that is at least equal to $100.00; or (iii) make at least 10 point-of-sale (POS) transactions using Your VISA Debit Card. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject No transaction limitations apply to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional informationthis Account. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT STUDENT CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER TERM SHARE DRAFT CERTIFICATE ACCOUNT Variable Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order For the minimum balance required to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to open this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made Account Disclosure Rate Supplement. You must maintain a part of this Disclosure. Minimum Balance Requirements. In order balance equal to earn the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;APY and to keep Your Account open.

Transaction Limitations. During any calendar monthIn order to open and maintain a Youth Share Account, You may must not make more than six withdrawals from or transfers to another Credit Union Account have reached Your 12th birthday. Upon reaching the age of Yours or 12, Your entire balance will be transferred to a third party by means of a pre-authorized or automatic transfer or telephonic order or instructionSuper Saver Share Account, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Unionterms and conditions of such Account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB EMERGENCY FUND SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union$10.00. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union$10.00. SPECIFIC TERMS APPLICABLE TO YOUR IRA HOLIDAY CLUB SHARE ACCOUNT Variable Rate Information. This Account is subject to a Varialbe Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $10.00. SPECIFIC TERMS APPLICABLE TO YOUR MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $2,500.00. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 2,500.00 in Your IRA agreement or tax advisor for additional informationAccount each day. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT GREEN HIGH-YIELD SAVINGS Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $50,000.00. In order to earn the disclosed APY, You must maintain a balance at least equal to $50,000.00 in Your Account each day. You must enroll in online banking and eStatements to maintain the APY. SPECIFIC TERMS APPLICABLE TO YOUR PIONEER CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT INVESTOR REWARDS CHECKING ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order No minimum balance requirements apply to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS CASH REWARDS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR TERM SHARE DRAFT ACCOUNT Variable ACCOUNTS Fixed Rate Information. This Account is These Accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order For the minimum balance required to earn open these Accounts, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;annual percentage yield and to keep Your Account open.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another The Credit Union Account reserves the right to require a member intending to make a withdrawal to give written notice of Yours or such intent not less than seven days and up to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union60 days before any such withdrawal. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 100.00 in Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this AccountAccount each day. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT BASIC CHECKING ACCOUNT Dividend Rate Information. No dividends are paid on this Account. Minimum Balance Requirements. The minimum balance required to open this Account is $15.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SELECT CHECKING ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $15.00. In order to earn the disclosed APY, You must maintain a balance at least equal to $1,000.00 in Your Account each day. In order to avoid a fee, You must maintain a balance at least equal to $500.00 in Your Account each day. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR INVEST CHECKING ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $15.00. In order to earn the disclosed APY, You must maintain a balance at least equal to $2,500.00 in Your Account each day. In order to avoid a fee, You must maintain a balance at least equal to $2,500.00 in Your Account each day. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR XXXXXXXXX EDUCATION SAVINGS, XXXX XXX, TRADITIONAL IRA, AND SEP IRA ACCOUNTS Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open and maintain these Accounts is $100.00. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This 100.00 in Your Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;each day.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB PEAK TIER SAVINGS ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rates and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $5.00. Additional Information. Only one Peak Tier Savings Account per member may be opened. SPECIFIC TERMS APPLICABLE TO YOUR SECURED VISA SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate rates and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Withdrawals from this Account is established, are restricted pursuant to the terms of the separate Secured VISA agreement You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by have with the Credit Union. See Your Secured VISA agreement for additional information, or contact a Credit Union representative if You have any questions. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT FREE CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER YOUTH SHARE DRAFT CERTIFICATE ACCOUNT Variable (18 Years & Younger) Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order For the minimum balance required to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to open this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made Account Disclosure Rate Supplement. You must maintain a part of this Disclosure. Minimum Balance Requirements. In order balance equal to earn the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have APY and to keep Your Account open. Maturity Date. Your Account will mature on deposit with the credit union an aggregate total of $3,000.00 in date indicated on the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;accompanying Account Disclosure Rate Supplement.

Transaction Limitations. During The maximum dollar amount that we permit for a one-time transfer or a recurring transfer between your account(s) is determined by the balance of the account that you are debiting, including Bounce Protection when applicable. We reserve the right to amend these limits and may refuse to process any calendar monthtransfer that exceeds them. We further reserve the right to limit the total number of transfers that may be requested. We reserve the right to place a hold on any funds prior to debiting your funding account for the transfer amount. You are required to have sufficient funds available in the funding account for one-time transfers at the time the transfer is set up. For recurring transfers, You you are required to have sufficient funds available in the funding account by the end of the business day the transfer is to be processed. Transfer Funding - In order for us to process an Online Banking transfer request, the account that you have designated for the debit must have sufficient funds to cover the transfer, including any Bounce Protection when applicable, and the funds must be considered available as described in our Funds Availability Policy. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. Please refer to your Fee Schedule for any Insufficient (NSF) Return Item, Overdraft Paid Item, Bounce Paid Item or other fee(s) that may be assessed. We are under no obligation to you when we have been unable to complete a transfer request due to insufficient funds in the designated debit account. We reserve the right to cancel the transfer request and to review your Online Banking service privileges. We also reserve the right to overdraw your account to complete the transfer, whether or not make we have overdrawn the account for a transaction in the past or continue to do so in the future, and hold you responsible for any related fees that may be assessed for the overdraft. Please refer to RCB Bank’s Bounce Protection Disclosure and Enhanced Bounce Protection Plan disclosure provided to you at account opening, or available online, for more than six withdrawals information related to overdrafts. Transfer Cancellation – A one-time transfer is immediate and cannot be cancelled. The deadline for cancelling a recurring transfer request is before 7:00 pm (Central Standard Time) on the business day the transfer is scheduled. Online Banking identifies transfers based upon the login ID of the user who made the transfer. External Transfers – External transfers are monetary transfers from or transfers an account(s) that you are an authorized signer on at RCB Bank to another Credit Union Account of Yours or an external financial institution using your debit card. Payments can be sent to a third party by means of receiver using a pre-authorized phone number or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third partyemail address. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate See instaPay section for more details and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on We reserve the right to limit or discontinue this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is service at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;any time.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers No transaction limitations apply to another Credit Union this Account. Sub-Accounts. This Account of Yours or to a third party by means consists of a pretransaction sub-authorized or automatic transfer or telephonic order or instructionaccount and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, or by check, draft, debit card, if applicable, or similar order at which time they will be transferred to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Uniontransaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB VACATION SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate supplement and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. SPECIFIC TERMS APPLICABLE TO YOUR SECURED VISA SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR TRADITIONAL IRA MONEY MARKET, XXXX XXX MONEY MARKET, ESA MONEY MARKET, AND SEP IRA MONEY MARKET ACCOUNTS Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be Individual Retirement Accounts are subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB SAVINGS PLUS ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit No transaction limitations apply to Your Share this Account. If You exceed these limitationsSub-Accounts. This Account consists of a transaction sub-account and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, Your Account may at which time they will be subject transferred to closure by the Credit Uniontransaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR IRA PREMIUM YIELD ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate rates and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 2,500.00 in Your IRA agreement or tax advisor for additional informationAccount during each day. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT CHECKING ACCOUNT Dividend Tiered Variable Rate Information. No dividends are paid on This Account is subject to a Tiered Variable Rate. For the current dividend rates and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this AccountDisclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. Sub-Accounts. This Account consists of a transaction sub-account and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, at which time they will be transferred to the transaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APYminimum balance required to open these Accounts, refer to the accompanying account disclosure rate supplement which We have included with and made Account Disclosure Rate supplement. You must maintain a part of this Disclosure. Minimum Balance Requirements. In order balance equal to earn the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;annual percentage yield and to keep Your Account open.

Transaction Limitations. During any calendar monthIn order to open and maintain a Youth Share Account, You may must not make more than six withdrawals from or transfers to another Credit Union Account have reached Your 12th birthday. Upon reaching the age of Yours or 12, Your entire balance will be transferred to a third party by means of a pre-authorized or automatic transfer or telephonic order or instructionSuper Saver Share Account, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Unionterms and conditions of such Account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB EMERGENCY FUND SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union$10.00. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union$10.00. SPECIFIC TERMS APPLICABLE TO YOUR IRA HOLIDAY CLUB SHARE ACCOUNT Variable Rate Information. This Account is subject to a Varialbe Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $10.00. SPECIFIC TERMS APPLICABLE TO YOUR MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $2,500.00. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 2,500.00 in Your IRA agreement or tax advisor for additional informationAccount each day. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT GREEN HIGH-YIELD SAVINGS Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $25,000.00. In order to earn the disclosed APY, You must maintain a balance at least equal to $25,000.00 in Your Account each day. You must enroll in online banking and eStatements to maintain the APY. SPECIFIC TERMS APPLICABLE TO YOUR PIONEER CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT INVESTOR REWARDS CHECKING ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order No minimum balance requirements apply to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS CASH REWARDS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR TERM SHARE DRAFT ACCOUNT Variable ACCOUNTS Fixed Rate Information. This Account is These Accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order For the minimum balance required to earn open these Accounts, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;annual percentage yield and to keep Your Account open.

Transaction Limitations. During any calendar monthUpon reaching Your 18th birthday, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or the entire balance then on deposit will be transferred to a third party by means of a pre-authorized or automatic transfer or telephonic order or instructionPrime Share Account, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Unionterms and conditions of such Account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB SECONDARY SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Disclosure Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 100.00 in Your IRA agreement or tax advisor for additional informationAccount during each dividend period. SPECIFIC TERMS APPLICABLE TO YOUR BASIC IRA SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00100.00 in Your Account during each dividend period. Transaction Limitations. No transaction Individual Retirement Accounts (IRAs) are subject to limitations apply to this Accountimposed by the Internal Revenue Service. Please see Your IRA Agreement or tax adviser for additional information. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,500.00 in Your Account during each dividend period. SPECIFIC TERMS APPLICABLE TO YOUR CHRISTMAS CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union maintain an aggregate total of average daily balance that is at least equal to $3,000.00 50.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;Your Account during each dividend period.

Transaction Limitations. During The funds in Your Account will automatically be transferred to Your Share Savings Account on October 31 of each year. Your Account will be closed and all funds will be transferred to Your Share Savings Account if You take any calendar month, You may not make more than six other withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by following the Credit Unionfirst seven days after it is opened. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement separate page titled "Rate and Fee Schedule" which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order The minimum balance required to earn the disclosed APY, open this Account is $2,500.00. You must maintain an a minimum average daily balance of $2,500.00 in Your Account each dividend period to obtain the disclosed annual percentage yield and to avoid a fee. You will earn dividends for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirement. SPECIFIC TERMS APPLICABLE TO YOUR IRA SAVINGS ACCOUNT Tiered Variable Rate Information. This Account is at least equal subject to $100.00a Tiered Variable Rate. For the dividend rate and corresponding APY, refer to the separate page titled "Rate and Fee Schedule" which We have included with and made a part of this Disclosure. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please consult see Your IRA agreement Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT CERTIFICATE OF DEPOSIT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Fixed Rate Information. This Account is subject to a Variable Fixed Rate. For the current dividend interest rate and corresponding APY, refer to the accompanying account disclosure rate supplement separate page titled "CD Rates and Terms" which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order The minimum balance required to earn the disclosed APY, open this Account is $500.00 for CDs with a term greater than six months and $500.00 for CDs with a term of six months or less. You must maintain an average a minimum daily balance that is at least equal to $2,000.00Your minimum opening balance in Your Account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that Your Account balance equals or exceeds the minimum daily balance requirements. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Once Your Account is subject established, You will not be allowed to a Variable Ratemake any deposits into Your Account until maturity. For Maturity Date. Your Account will mature after the current dividend rate term indicated on Your Certificate and corresponding APY, refer to on the accompanying account disclosure rate supplement separate page titled "Certificate of Deposit Receipt" which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers No transaction limitations apply to another Credit Union this Account. Sub-Accounts. This Account of Yours or to a third party by means consists of a pretransaction sub-authorized or automatic transfer or telephonic order or instructionaccount and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, or by check, draft, debit card, if applicable, or similar order at which time they will be transferred to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Uniontransaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB VACATION SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate supplement and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SECURED VISA SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR TRADITIONAL IRA MONEY MARKET, XXXX XXX MONEY MARKET, ESA MONEY MARKET, AND SEP IRA MONEY MARKET ACCOUNTS Variable Rate Information. These Accounts are subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be Individual Retirement Accounts are subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB MONEY MARKET PLUS ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit No transaction limitations apply to Your Share this Account. If You exceed these limitationsSub-Accounts. This Account consists of a transaction sub-account and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, Your Account may at which time they will be subject transferred to closure by the Credit Uniontransaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR IRA PREMIUM YIELD ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate rates and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult 2,500.00 in Your IRA agreement or tax advisor for additional informationAccount during each day. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT CHECKING ACCOUNT Dividend Tiered Variable Rate Information. No dividends are paid on This Account is subject to a Tiered Variable Rate. For the current dividend rates and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this AccountDisclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. Sub-Accounts. This Account consists of a transaction sub-account and a savings sub-account. Funds will reside in the savings sub-account until such time as they are required to pay debits, at which time they will be transferred to the transaction sub-account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APYminimum balance required to open these Accounts, refer to the accompanying account disclosure rate supplement which We have included with and made Account Disclosure Rate supplement. You must maintain a part of this Disclosure. Minimum Balance Requirements. In order balance equal to earn the minimum balance required to open Your Account each day to obtain the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;annual percentage yield and to keep Your Account open.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY CLUB IRA SHARE ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $50.00. In order to earn the disclosed APY, You must maintain an average daily balance equal to or greater than $150.00. Transaction Limitations. Individual Retirement Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR RAINY DAY SAVINGS ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your Account is established, You may not only make any additional deposits to Your Account via an automatic transfer from another credit union Account. Each deposit must be equal to or less than $250.00. You may make withdrawals from Your Account, except for the scheduled withdrawal that occurs on October of each year Account not more frequently than every ninety (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day90) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Uniondays. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB EDUCATOR PLUS SHARE ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After Your This Account is establishedimposes a penalty for withdrawals that occur during the 9-month period beginning in September of each year and continuing through May of the following year. You may withdraw funds without incurring a penalty fee during the months of June, July, and August of each year. In addition, You may not make any withdrawals from Your Account, except for one penalty-free withdrawal during the scheduled withdrawal that occurs on April of each year first thirty (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date 30) days after your Account is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Unionopened. SPECIFIC TERMS APPLICABLE TO YOUR IRA MONEYLAND SHARE ACCOUNT (8 Years & Younger) Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No The minimum balance requirements apply required to open this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements$5.00. In order to earn the disclosed APY, You must maintain an average daily balance that is at least equal to or greater than $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;5.00.

Transaction Limitations. During any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be Individual Retirement Accounts are subject to closure limitations and/or penalties imposed by the Credit UnionInternal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR HOLIDAY SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR BEACON CLUB CHECKING ACCOUNT Variable Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. The minimum balance required to open this Account is $20.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR MONEY MARKET ACCOUNT Tiered Fixed Rate Information. This Account is subject to a Variable Tiered Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. The minimum balance required to open this Account is $5.00. You must maintain a balance of $100.00 in Your Account each day to obtain the disclosed Annual Percentage Yield. Transaction Limitations. Once Your Account is established withdrawals must be at least equal to $250.00, and no more than three withdrawals may be made by check during each dividend period. SPECIFIC TERMS APPLICABLE TO YOUR OOPS CHECKING ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. The minimum balance required to open this Account is $25.00. Transaction Limitations. No transaction limitations apply to this Account. Additional Information. In order to open and maintain an Account You must consent to receive Your periodic statements electronically. In order to keep Your Account open, during any six-consecutive month period no more than five items may be presented for payment when Your Account lacks sufficient collected funds to pay such items. SPECIFIC TERMS APPLICABLE TO YOUR VISION REWARDS CHECKING ACCOUNT Tiered Fixed Rate Information. This Account is subject to a Tiered Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No minimum balance requirements apply to this Account. Transaction Limitations. After No transaction limitations apply to this Account. Additional Information. In order to earn dividends at the disclosed rate and be eligible to receive credit for ATM fees incurred (up to $20.00 in ATM refunds during the cycle but only $5.00 per transaction), during each qualifying period You must: (a) make at least one direct deposit to, or ACH debit from, Your Account is establishedAccount; (b) make 12 or more purchase transactions (evidenced by Your statement) using Your VISA Check Card; and (c) consent to receive Your periodic statements electronically. Each qualifying period will begin on the last business day of the preceding dividend period, and end on the business day that precedes the last business day of the current dividend period. You may will not make be paid any withdrawals from accrued but uncredited Dividends at the time You close Your Account, except nor will you be reimbursed for the scheduled withdrawal that occurs on October of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed these limitations, Your Account may be subject to closure by the Credit Unionany accrued but unreimbursed ATM fees at such time. SPECIFIC TERMS APPLICABLE TO YOUR VACATION CLUB ACCOUNT Variable CERTIFICATE ACCOUNT(S) Fixed Rate Information. This Account is These Accounts are subject to a Variable Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. No For the minimum balance requirements apply required to this Account. Transaction Limitations. After Your Account is established, You may not make any withdrawals from Your Account, except for the scheduled withdrawal that occurs on April of each year (“Scheduled Withdrawal Date”). On the Scheduled Withdrawal Date each year (or on the next business day if the Scheduled Withdrawal Date is not a business day) We will transfer the entire balance then on deposit to Your Share Account. If You exceed open these limitations, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate. For the current dividend rate and corresponding APYAccounts, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must maintain an average daily a balance that is at least equal to $100.00. Transaction Limitations. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR BASIC SHARE DRAFT ACCOUNT Dividend Information. No dividends are paid on this Account. Minimum Balance Requirements. No minimum balance requirements apply required to this Account. Transaction Limitations. No transaction limitations apply open Your Account each day to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER SHARE DRAFT ACCOUNT Variable Rate Information. This Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn obtain the disclosed APY, You must maintain an average daily balance that is at least equal annual percentage yield and to $2,000.00. Transaction Limitations. No transaction limitations apply to this Account. SPECIFIC TERMS APPLICABLE TO YOUR SUPER PLUS SHARE DRAFT ACCOUNT Variable Rate Information. This keep Your Account is subject to a Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. In order to earn the disclosed APY, You must have on deposit with the credit union an aggregate total of $3,000.00 in the following Accounts: (a) IRA; (b) savings; (c) holiday; (d) vacation; (e) share draft;open.