Common use of Your Ability to Withdraw Funds Clause in Contracts

Your Ability to Withdraw Funds. This policy applies to checking accounts, deposits to other accounts may be subject to longer holds than those disclosed in this policy. When a deposit is made to your account, the funds may not be available immediately. In most situations, your deposit will be the delay, you may not withdraw the funds in cash and we will not use the funds to pay items presented against your account. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. – The length of the delay is counted in business days from the day of your deposit. Our business days are Monday through Friday with the exception of Saturday, Sunday, and Federal holidays. Below is our general policy for accounts opened longer than 30 deposited to accounts opened less than 30 days as outlined below. The length of the delay varies depending on the type of deposit and is explained in the following: For this type of deposit Funds will be available withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. – Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months,or overdrawn your account greater than $5,525 in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will inform you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a notice no later than the next business day after we receive your deposit. Funds will generally be available no later than the sixth business day after the day of your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. – If you are a new member, account is open. Longer delays may apply as outlined above. • Cash • Direct Deposit and other electronic credits • Wire Transfers • total deposit • Checks drawn on Corporate America Family The day we receive the deposit after the day of the deposit • Funds from electronic direct deposits to your account will be available on the business day we receive the deposit. • Traveler’s, Federal Reserve Bank Checks, Federal Home Loan Bank Checks, and federal, state and local government checks deposit if the deposit meets certain conditions. • For example, the checks must be payable to you and Credit Union • - If checks are not deposited deposited in person. er’s, state and local gov- in person funds will be • The excess over $5,525 of a day’s deposits will be available on ernment, Federal Reserve Bank, Federal Home Loan Bank checks, and Postal Service money orders that are payable to you, and deposited in person • U.S. Treasury checks, that available on the second business day after the day of deposit the ninth business day after the day of your deposit. • If your deposit of checks (other than a U.S. Treasury check) is the second business day after the day of your deposit. • the above availability schedule will be available on the fourth business day after the day of deposit. are payable to you after the day of the deposit • Other Check Deposits The second business day after the day of the deposit – located outside the U.S. (foreign checks or drafts) cannot be processed Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign • ATM deposits (cash or check) made in The fourth business day af- ter the day of the deposit checks or drafts will be delayed for the time it takes us to collect the FEE SCHEDULE operate. Proprietary ATMs are ATMs that we own and operate made at Proprietary ATMs will generally be available on the second business day after the day of deposit. If we cash a check for you that is drawn on another bank, we may Below is the fee schedule for Corporate America Family Credit Union applicable to all accounts, loans, products and services. FEES APPLICABLE TO ALL ACCOUNTS/LOANS Account/Loan Research (per hour; 1hr. min. charge) up to $50.00 Also includes Subpoenas, Garnishments, Discovery of Assets, IRS levy, Judgments, etc. (per inquiry; non-CAFCU loans) $15.00 Cashier’s Check (per item) $5.00 Check Cashing (per item) $5.00 For members with less than the required minimum balance on deposit in Regular Share Account without payroll allocation; $25 must remain in account after transaction. Check Withdrawal (per item) $5.00 Phone request (no charge if done via XXXXX) waived for members 65 & over. Copy of Tax Form — 1042, 1098, 1099, 5498 (per item) $5.00 Corporate (CAFCU) Check (per item; payable to a third party) $3.00 Duplicate Statement Copy (per statement) $5.00 Other than current period. Inactive Account (per month; subject to state law) $15.00 Interim Statement Printout (per printout) $5.00 Late Payment All Other Loans $39.00 Lien Filing/Release Actual Cost Loan Skip-A-Payment $39.00 Money Order (per item) $1.00 Open Transfer Rejected Item $39.00 Overnight Delivery (per item) up to $30.00 Quick Cash Line of Credit Application $35.00 To establish or re-establish line of credit. (per item) $25.00 Returned ACH/Check Item (for each presentment) up to $39.00 Returned Item (for each presentment) $39.00 Returned Statements/Mail/Locator (per address change) $15.00 Share-to-Share Transfer (per item) $5.00 Phone request (no charge if done via XXXXX, online or with your mobile device) waived for members 65 & over. Shared Branching FREE Shared Branching (withdrawal or cash back; per item) $3.00 Speedpay® (per item) $10.00 Stop Payment Order (per item) $29.00 Subordination (per loan) $100.00 Unclaimed Property Fee (subject to state law) up to $50.00 Visa® Card Rush Fee $40.00 Visa® Currency Conversion Visa® Document Copy (per item) $15.00 Visa® Gift Card (per card) $3.95 Reasons we can share your personal information Does CAFCU share? Can you limit this sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes For our marketing purposes services to you For joint marketing with Yes Yes Yes Yes business purposes — information about your transactions and experiences We don’t share business purposes — information about your creditworthiness We don’t share Visa® International Service Assessment (ISA) Visa® Replacement Card (per card) $20.00 Visa® Returned Payment up to $25.00 Wire Transfer Domestic (per item) $30.00 Wire Transfer International (per item) $45.00 SHARE ACCOUNTS Below $25 Minimum Balance (per month) $2.50 Applicable to Regular Share and Fresh Start Savings. Fee waived if enrolled in eStatements; fee does not apply to minor accounts (under age 23) and new members (less than 90 days). Club/Specialty Account Withdrawal (per item) $10.00 Fresh Start Savings $10.00 Regular Share/Fresh Start Savings Withdrawal (per item) $10.00 INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) IRA Trustee Transfer Fee $25.00 CHECKING ACCOUNTS Non-Proprietary ATM Withdrawal/ (per occurrence) $2.50 Check Printing Charge Expedited Bill Pay (per item) $9.95 Fresh Start Checking (per month) $10.00 Loan Advance to Cover Overdraft (per transfer) $18.00 Fee is waived for Rewards Advantage Checking. Overdraft Item (per item paid) $39.00 Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Photocopy of Paid Check (per item) free online $5.00 Rewards Advantage Checking (per month) $6.00 Free if signed up for eStatements and complete at least 10 signature-based purchases with your Share-to-Share Transfer to Cover Overdraft (per transfer) $18.00 SAFE DEPOSIT BOXES (where available) Safe Deposit Box Sizes and Annual Fees Safe Deposit Box Replacement Key $25.00 Safe Deposit Box Drill Fee $140.00 Safe Deposit Box Late Fee (30 days or more) $10.00 P RIVACY POLICY REV 03/16 FACTS WHAT DOES CORPORATE AMERICA FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: account balances and transaction history credit history and credit scores How? personal information to run their everyday business. In the section below, we list the members’ personal information; the reasons Corporate America Family Credit Union chooses to share; and whether you can limit the sharing. to you We don’t share What happens Your choices will apply to everyone on when I limit the account. sharing for an account I hold jointly with someone else? To limit our sharing Call 0-000-000-0000 — our menu will prompt you through your choice(s) or visit us online: xxx.xxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 0-000-000-0000 or visit xxx.xxxxx.xxx/XxxxxxxXx Companies related by common ownership or control. They can be Corporate America Family Credit Union does not share with our Companies not related by common ownership or control. They can be include mortgage companies, insurance companies, direct marketing companies, check printers Joint Marketing A formal agreement between products or services to you. Our joint marketing partners include Other important information Who we are Who is providing this notice? Corporate America Family Credit Union What we do How does Corporate America Family Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include and buildings. reasons for utilizing this data. How does We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit Corporate America Family Credit Union collect my personal information? Why can’t I limit all sharing? Federal law gives you the right to limit only business purposes - information about your creditworthiness to market to you to you State laws and individual companies may give you additional rights to limit sharing. – To be eligible for membership in the Credit Union you must be an individual or entity qualifying within one share (the “membership share”) as required by our Bylaws. You authorize us to check your employment history, do an inquiry with ChexSystems, obtain a credit report from third party credit reporting agencies, use other third party sources we deem appropriate, and to verify your eligibility for the accounts and services you request when you apply for the service and as part of our normal account review process. open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also documents. Based on information obtained by ChexSystems, we reserve the right to decline opening any account. – You do hereby appoint the members of the Board of Directors of Corporate America Family Credit Union, is used, as proxies to vote for the election of Directors all the shares of Corporate America Family Credit Union now and hereafter owned Credit Union hereafter held and each adjournment thereof, from time to time and year to year, until and unless this proxy is canceled by you. You further authorize the said proxies to designate a person or committee to cast the vote or votes for you in such manner and for such candidates as the said proxies shall determine and as permitted by law.

Your Ability to Withdraw Funds. This Our policy applies is to checking accounts, make funds from your cash and check deposits available to other accounts may be subject to longer holds than those disclosed in this policyyou on the first business day after the day we receive your deposit. When a deposit is made to your account, the funds may not Electronic direct deposits will be available immediatelyon the day we receive the deposit, unless they involve an International ACHˆTransaction. In most situations, your deposit will be the delaySee below for more information on International ACH Transactions. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay items presented against your account. Please remember checks that even after we have made funds available to you, and you have withdrawn written. Longer Delays May Apply However, in some cases, the fundsavailability of funds may be delayed under the following circumstances. Case-by-Case Holds: Depending on the type of check that you deposit, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. – The length of funds may not be available until the delay is counted in second business days from day after the day of your deposit. Our business days are Monday through Friday with the exception The first $200 of Saturdayyour deposits, Sundayhowever, and Federal holidays. Below is our general policy for accounts opened longer than 30 deposited to accounts opened less than 30 days as outlined below. The length of the delay varies depending on the type of deposit and is explained in the following: For this type of deposit Funds will be available withhold on the availability first business day. If we are not going to make all of a corresponding amount of the funds that are already in from your account. Those funds deposit available on the first business day, we will be available notify you at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. – Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months,or overdrawn your account greater than $5,525 in the last six months. • There is an emergency, such as failure of computer or communications equipmentdeposit. We will inform you if we delay your ability to withdraw funds for any of these reasons, and we will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a the notice no later than by the next business day after we receive your deposit. Funds will generally be available no later than the sixth business day after the day of your deposit. If you will need the funds from the a deposit right away, you should ask us when the funds will be available. – If you are Exception Holds: In addition, we may delay the ability of members to withdraw funds deposited by check up to seven (7) days for reasons included but not limited to the following: •# We reasonably believe a new member, check will not be paid •# Checks total more than $5,000 on any one day •# The check has been returned unpaid •# An account is open. Longer delays may apply overdrawn •# An account has been overdrawn repeatedly in the last six (6) months •# There is an emergency such as outlined above. • Cash • Direct Deposit and other electronic credits • Wire Transfers • total deposit • Checks drawn on Corporate America Family The day communications failure with computer equipment We will notify you if we receive the deposit after the day delay your ability to withdraw funds for any of the deposit • Funds from electronic direct deposits to your account will be available on the business day we receive the deposit. • Traveler’s, Federal Reserve Bank Checks, Federal Home Loan Bank Checksthese reasons, and federal, state and local government checks deposit if we will tell you when the deposit meets certain conditions. • For example, the checks must be payable to you and Credit Union • - If checks are not deposited deposited in person. er’s, state and local gov- in person funds will be • The excess over $5,525 of a day’s deposits will be available on ernment, Federal Reserve Bank, Federal Home Loan Bank checks, and Postal Service money orders that are payable to you, and deposited in person • U.S. Treasury checks, that available on the second business day after the day of deposit the ninth business day after the day of your deposit. • If your deposit of checks (other than a U.S. Treasury check) is the second business day after the day of your deposit. • the above availability schedule will be available on the fourth business day after the day of deposit. are payable to you after the day of the deposit • Other Check Deposits The second business day after the day of the deposit – located outside the U.S. (foreign checks or drafts) cannot be processed Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign • ATM deposits (cash or check) made in The fourth business day af- ter the day of the deposit checks or drafts will be delayed for the time it takes us to collect the FEE SCHEDULE operate. Proprietary ATMs are ATMs that we own and operate made at Proprietary ATMs will generally be available on the second business day after the day of deposit. If we cash a check for you that is drawn on another bank, we may Below is the fee schedule for Corporate America Family Credit Union applicable to all accounts, loans, products and services. FEES APPLICABLE TO ALL ACCOUNTS/LOANS Account/Loan Research (per hour; 1hr. min. charge) up to $50.00 Also includes Subpoenas, Garnishments, Discovery of Assets, IRS levy, Judgments, etc. (per inquiry; non-CAFCU loans) $15.00 Cashier’s Check (per item) $5.00 Check Cashing (per item) $5.00 For members with less than the required minimum balance on deposit in Regular Share Account without payroll allocation; $25 must remain in account after transaction. Check Withdrawal (per item) $5.00 Phone request (no charge if done via XXXXX) waived for members 65 & over. Copy of Tax Form — 1042, 1098, 1099, 5498 (per item) $5.00 Corporate (CAFCU) Check (per item; payable to a third party) $3.00 Duplicate Statement Copy (per statement) $5.00 Other than current period. Inactive Account (per month; subject to state law) $15.00 Interim Statement Printout (per printout) $5.00 Late Payment All Other Loans $39.00 Lien Filing/Release Actual Cost Loan Skip-A-Payment $39.00 Money Order (per item) $1.00 Open Transfer Rejected Item $39.00 Overnight Delivery (per item) up to $30.00 Quick Cash Line of Credit Application $35.00 To establish or re-establish line of credit. (per item) $25.00 Returned ACH/Check Item (for each presentment) up to $39.00 Returned Item (for each presentment) $39.00 Returned Statements/Mail/Locator (per address change) $15.00 Share-to-Share Transfer (per item) $5.00 Phone request (no charge if done via XXXXX, online or with your mobile device) waived for members 65 & over. Shared Branching FREE Shared Branching (withdrawal or cash back; per item) $3.00 Speedpay® (per item) $10.00 Stop Payment Order (per item) $29.00 Subordination (per loan) $100.00 Unclaimed Property Fee (subject to state law) up to $50.00 Visa® Card Rush Fee $40.00 Visa® Currency Conversion Visa® Document Copy (per item) $15.00 Visa® Gift Card (per card) $3.95 Reasons we can share your personal information Does CAFCU share? Can you limit this sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes For our marketing purposes services to you For joint marketing with Yes Yes Yes Yes business purposes — information about your transactions and experiences We don’t share business purposes — information about your creditworthiness We don’t share Visa® International Service Assessment (ISA) Visa® Replacement Card (per card) $20.00 Visa® Returned Payment up to $25.00 Wire Transfer Domestic (per item) $30.00 Wire Transfer International (per item) $45.00 SHARE ACCOUNTS Below $25 Minimum Balance (per month) $2.50 Applicable to Regular Share and Fresh Start Savings. Fee waived if enrolled in eStatements; fee does not apply to minor accounts (under age 23) and new members (less than 90 days). Club/Specialty Account Withdrawal (per item) $10.00 Fresh Start Savings $10.00 Regular Share/Fresh Start Savings Withdrawal (per item) $10.00 INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) IRA Trustee Transfer Fee $25.00 CHECKING ACCOUNTS Non-Proprietary ATM Withdrawal/ (per occurrence) $2.50 Check Printing Charge Expedited Bill Pay (per item) $9.95 Fresh Start Checking (per month) $10.00 Loan Advance to Cover Overdraft (per transfer) $18.00 Fee is waived for Rewards Advantage Checking. Overdraft Item (per item paid) $39.00 Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Photocopy of Paid Check (per item) free online $5.00 Rewards Advantage Checking (per month) $6.00 Free if signed up for eStatements and complete at least 10 signature-based purchases with your Share-to-Share Transfer to Cover Overdraft (per transfer) $18.00 SAFE DEPOSIT BOXES (where available) Safe Deposit Box Sizes and Annual Fees Safe Deposit Box Replacement Key $25.00 Safe Deposit Box Drill Fee $140.00 Safe Deposit Box Late Fee (30 days or more) $10.00 P RIVACY POLICY REV 03/16 FACTS WHAT DOES CORPORATE AMERICA FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: account balances and transaction history credit history and credit scores How? personal information to run their everyday business. In the section below, we list the members’ personal information; the reasons Corporate America Family Credit Union chooses to share; and whether you can limit the sharing. to you We don’t share What happens Your choices will apply to everyone on when I limit the account. sharing for an account I hold jointly with someone else? To limit our sharing Call 0-000-000-0000 — our menu will prompt you through your choice(s) or visit us online: xxx.xxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 0-000-000-0000 or visit xxx.xxxxx.xxx/XxxxxxxXx Companies related by common ownership or control. They can be Corporate America Family Credit Union does not share with our Companies not related by common ownership or control. They can be include mortgage companies, insurance companies, direct marketing companies, check printers Joint Marketing A formal agreement between products or services to you. Our joint marketing partners include Other important information Who we are Who is providing this notice? Corporate America Family Credit Union What we do How does Corporate America Family Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include and buildings. reasons for utilizing this data. How does We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit Corporate America Family Credit Union collect my personal information? Why can’t I limit all sharing? Federal law gives you the right to limit only business purposes - information about your creditworthiness to market to you to you State laws and individual companies may give you additional rights to limit sharing. – To be eligible for membership in the Credit Union you must be an individual or entity qualifying within one share (the “membership share”) as required by our Bylaws. You authorize us to check your employment history, do an inquiry with ChexSystems, obtain a credit report from third party credit reporting agencies, use other third party sources we deem appropriate, and to verify your eligibility for the accounts and services you request when you apply for the service and as part of our normal account review process. open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also documents. Based on information obtained by ChexSystems, we reserve the right to decline opening any account. – You do hereby appoint the members of the Board of Directors of Corporate America Family Credit Union, is used, as proxies to vote for the election of Directors all the shares of Corporate America Family Credit Union now and hereafter owned Credit Union hereafter held and each adjournment thereof, from time to time and year to year, until and unless this proxy is canceled by you. You further authorize the said proxies to designate a person or committee to cast the vote or votes for you in such manner and for such candidates as the said proxies shall determine and as permitted by law.

Your Ability to Withdraw Funds. This Our policy applies is to checking accounts, make funds from your cash and check deposits available to other accounts may be subject to longer holds than those disclosed in this policyyou on the first business day after the day we receive your deposit. When a deposit is made to your account, the funds may not Electronic direct deposits will be available immediatelyon the day we receive the deposit, unless they involve an International ACHˆTransaction. In most situations, your deposit will be the delaySee below for more information on International ACH Transactions. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay items presented against your account. Please remember checks that even after we have made funds available to you, and you have withdrawn written. Longer Delays May Apply However, in some cases, the fundsavailability of funds may be delayed under the following circumstances. Case-by-Case Holds: Depending on the type of check that you deposit, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. – The length of funds may not be available until the delay is counted in second business days from day after the day of your deposit. Our business days are Monday through Friday with the exception The first $225 of Saturdayyour deposits, Sundayhowever, and Federal holidays. Below is our general policy for accounts opened longer than 30 deposited to accounts opened less than 30 days as outlined below. The length of the delay varies depending on the type of deposit and is explained in the following: For this type of deposit Funds will be available withhold on the availability first business day. If we are not going to make all of a corresponding amount of the funds that are already in from your account. Those funds deposit available on the first business day, we will be available notify you at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. – Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months,or overdrawn your account greater than $5,525 in the last six months. • There is an emergency, such as failure of computer or communications equipmentdeposit. We will inform you if we delay your ability to withdraw funds for any of these reasons, and we will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a the notice no later than by the next business day after we receive your deposit. Funds will generally be available no later than the sixth business day after the day of your deposit. If you will need the funds from the a deposit right away, you should ask us when the funds will be available. – If you are Exception Holds: In addition, we may delay the ability of members to withdraw funds deposited by check up to seven (7) days for reasons included but not limited to the following: •# We reasonably believe a new member, check will not be paid •# Checks total more than $5,525 on any one day •# The check has been returned unpaid •# An account is open. Longer delays may apply overdrawn •# An account has been overdrawn repeatedly in the last six (6) months •# There is an emergency such as outlined above. • Cash • Direct Deposit and other electronic credits • Wire Transfers • total deposit • Checks drawn on Corporate America Family The day communications failure with computer equipment We will notify you if we receive the deposit after the day delay your ability to withdraw funds for any of the deposit • Funds from electronic direct deposits to your account will be available on the business day we receive the deposit. • Traveler’s, Federal Reserve Bank Checks, Federal Home Loan Bank Checksthese reasons, and federal, state and local government checks deposit if we will tell you when the deposit meets certain conditions. • For example, the checks must be payable to you and Credit Union • - If checks are not deposited deposited in person. er’s, state and local gov- in person funds will be • The excess over $5,525 of a day’s deposits will be available on ernment, Federal Reserve Bank, Federal Home Loan Bank checks, and Postal Service money orders that are payable to you, and deposited in person • U.S. Treasury checks, that available on the second business day after the day of deposit the ninth business day after the day of your deposit. • If your deposit of checks (other than a U.S. Treasury check) is the second business day after the day of your deposit. • the above availability schedule will be available on the fourth business day after the day of deposit. are payable to you after the day of the deposit • Other Check Deposits The second business day after the day of the deposit – located outside the U.S. (foreign checks or drafts) cannot be processed Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign • ATM deposits (cash or check) made in The fourth business day af- ter the day of the deposit checks or drafts will be delayed for the time it takes us to collect the FEE SCHEDULE operate. Proprietary ATMs are ATMs that we own and operate made at Proprietary ATMs will generally be available on the second business day after the day of deposit. If we cash a check for you that is drawn on another bank, we may Below is the fee schedule for Corporate America Family Credit Union applicable to all accounts, loans, products and services. FEES APPLICABLE TO ALL ACCOUNTS/LOANS Account/Loan Research (per hour; 1hr. min. charge) up to $50.00 Also includes Subpoenas, Garnishments, Discovery of Assets, IRS levy, Judgments, etc. (per inquiry; non-CAFCU loans) $15.00 Cashier’s Check (per item) $5.00 Check Cashing (per item) $5.00 For members with less than the required minimum balance on deposit in Regular Share Account without payroll allocation; $25 must remain in account after transaction. Check Withdrawal (per item) $5.00 Phone request (no charge if done via XXXXX) waived for members 65 & over. Copy of Tax Form — 1042, 1098, 1099, 5498 (per item) $5.00 Corporate (CAFCU) Check (per item; payable to a third party) $3.00 Duplicate Statement Copy (per statement) $5.00 Other than current period. Inactive Account (per month; subject to state law) $15.00 Interim Statement Printout (per printout) $5.00 Late Payment All Other Loans $39.00 Lien Filing/Release Actual Cost Loan Skip-A-Payment $39.00 Money Order (per item) $1.00 Open Transfer Rejected Item $39.00 Overnight Delivery (per item) up to $30.00 Quick Cash Line of Credit Application $35.00 To establish or re-establish line of credit. (per item) $25.00 Returned ACH/Check Item (for each presentment) up to $39.00 Returned Item (for each presentment) $39.00 Returned Statements/Mail/Locator (per address change) $15.00 Share-to-Share Transfer (per item) $5.00 Phone request (no charge if done via XXXXX, online or with your mobile device) waived for members 65 & over. Shared Branching FREE Shared Branching (withdrawal or cash back; per item) $3.00 Speedpay® (per item) $10.00 Stop Payment Order (per item) $29.00 Subordination (per loan) $100.00 Unclaimed Property Fee (subject to state law) up to $50.00 Visa® Card Rush Fee $40.00 Visa® Currency Conversion Visa® Document Copy (per item) $15.00 Visa® Gift Card (per card) $3.95 Reasons we can share your personal information Does CAFCU share? Can you limit this sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes For our marketing purposes services to you For joint marketing with Yes Yes Yes Yes business purposes — information about your transactions and experiences We don’t share business purposes — information about your creditworthiness We don’t share Visa® International Service Assessment (ISA) Visa® Replacement Card (per card) $20.00 Visa® Returned Payment up to $25.00 Wire Transfer Domestic (per item) $30.00 Wire Transfer International (per item) $45.00 SHARE ACCOUNTS Below $25 Minimum Balance (per month) $2.50 Applicable to Regular Share and Fresh Start Savings. Fee waived if enrolled in eStatements; fee does not apply to minor accounts (under age 23) and new members (less than 90 days). Club/Specialty Account Withdrawal (per item) $10.00 Fresh Start Savings $10.00 Regular Share/Fresh Start Savings Withdrawal (per item) $10.00 INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) IRA Trustee Transfer Fee $25.00 CHECKING ACCOUNTS Non-Proprietary ATM Withdrawal/ (per occurrence) $2.50 Check Printing Charge Expedited Bill Pay (per item) $9.95 Fresh Start Checking (per month) $10.00 Loan Advance to Cover Overdraft (per transfer) $18.00 Fee is waived for Rewards Advantage Checking. Overdraft Item (per item paid) $39.00 Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Photocopy of Paid Check (per item) free online $5.00 Rewards Advantage Checking (per month) $6.00 Free if signed up for eStatements and complete at least 10 signature-based purchases with your Share-to-Share Transfer to Cover Overdraft (per transfer) $18.00 SAFE DEPOSIT BOXES (where available) Safe Deposit Box Sizes and Annual Fees Safe Deposit Box Replacement Key $25.00 Safe Deposit Box Drill Fee $140.00 Safe Deposit Box Late Fee (30 days or more) $10.00 P RIVACY POLICY REV 03/16 FACTS WHAT DOES CORPORATE AMERICA FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: account balances and transaction history credit history and credit scores How? personal information to run their everyday business. In the section below, we list the members’ personal information; the reasons Corporate America Family Credit Union chooses to share; and whether you can limit the sharing. to you We don’t share What happens Your choices will apply to everyone on when I limit the account. sharing for an account I hold jointly with someone else? To limit our sharing Call 0-000-000-0000 — our menu will prompt you through your choice(s) or visit us online: xxx.xxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 0-000-000-0000 or visit xxx.xxxxx.xxx/XxxxxxxXx Companies related by common ownership or control. They can be Corporate America Family Credit Union does not share with our Companies not related by common ownership or control. They can be include mortgage companies, insurance companies, direct marketing companies, check printers Joint Marketing A formal agreement between products or services to you. Our joint marketing partners include Other important information Who we are Who is providing this notice? Corporate America Family Credit Union What we do How does Corporate America Family Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include and buildings. reasons for utilizing this data. How does We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit Corporate America Family Credit Union collect my personal information? Why can’t I limit all sharing? Federal law gives you the right to limit only business purposes - information about your creditworthiness to market to you to you State laws and individual companies may give you additional rights to limit sharing. – To be eligible for membership in the Credit Union you must be an individual or entity qualifying within one share (the “membership share”) as required by our Bylaws. You authorize us to check your employment history, do an inquiry with ChexSystems, obtain a credit report from third party credit reporting agencies, use other third party sources we deem appropriate, and to verify your eligibility for the accounts and services you request when you apply for the service and as part of our normal account review process. open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also documents. Based on information obtained by ChexSystems, we reserve the right to decline opening any account. – You do hereby appoint the members of the Board of Directors of Corporate America Family Credit Union, is used, as proxies to vote for the election of Directors all the shares of Corporate America Family Credit Union now and hereafter owned Credit Union hereafter held and each adjournment thereof, from time to time and year to year, until and unless this proxy is canceled by you. You further authorize the said proxies to designate a person or committee to cast the vote or votes for you in such manner and for such candidates as the said proxies shall determine and as permitted by law.

Your Ability to Withdraw Funds. This FUNDS AVAILABILITYPOLICY Our policy applies is to checking accounts, make funds from your cash and check deposits available to other accounts may be subject to longer holds than those disclosed in this policyyou on the first business day after the day we receive your deposit. When a deposit is made to your account, the funds may not Electronic direct deposits will be available immediatelyon the day we receive the deposit, unless they involve an International ACHˆTransaction. In most situations, your deposit will be the delaySee below for more information on International ACH Transactions. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay items presented against your account. Please remember checks that even after we have made funds available to you, and you have withdrawn written. Longer Delays May Apply However, in some cases, the fundsavailability of funds may be delayed under the following circumstances. Case-by-Case Holds: Depending on the type of check that you deposit, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. – The length of funds may not be available until the delay is counted in second business days from day after the day of your deposit. Our business days are Monday through Friday with the exception The first $200 of Saturdayyour deposits, Sundayhowever, and Federal holidays. Below is our general policy for accounts opened longer than 30 deposited to accounts opened less than 30 days as outlined below. The length of the delay varies depending on the type of deposit and is explained in the following: For this type of deposit Funds will be available withhold on the availability first business day. If we are not going to make all of a corresponding amount of the funds that are already in from your account. Those funds deposit available on the first business day, we will be available notify you at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. – Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months,or overdrawn your account greater than $5,525 in the last six months. • There is an emergency, such as failure of computer or communications equipmentdeposit. We will inform you if we delay your ability to withdraw funds for any of these reasons, and we will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a the notice no later than by the next business day after we receive your deposit. Funds will generally be available no later than the sixth business day after the day of your deposit. If you will need the funds from the a deposit right away, you should ask us when the funds will be available. – If you are Exception Holds: In addition, we may delay the ability of members to withdraw funds deposited by check up to seven (7) days for reasons included but not limited to the following: • We reasonably believe a new member, check will not be paid • Checks total more than $5,000 on any one day • The check has been returned unpaid • An account is open. Longer delays may apply overdrawn • An account has been overdrawn repeatedly in the last six (6) months • There is an emergency such as outlined above. • Cash • Direct Deposit and other electronic credits • Wire Transfers • total deposit • Checks drawn on Corporate America Family The day communications failure with computer equipment We will notify you if we receive the deposit after the day delay your ability to withdraw funds for any of the deposit • Funds from electronic direct deposits to your account will be available on the business day we receive the deposit. • Traveler’s, Federal Reserve Bank Checks, Federal Home Loan Bank Checksthese reasons, and federal, state and local government checks deposit if we will tell you when the deposit meets certain conditions. • For example, the checks must be payable to you and Credit Union • - If checks are not deposited deposited in person. er’s, state and local gov- in person funds will be • The excess over $5,525 of a day’s deposits will be available on ernment, Federal Reserve Bank, Federal Home Loan Bank checks, and Postal Service money orders that are payable to you, and deposited in person • U.S. Treasury checks, that available on the second business day after the day of deposit the ninth business day after the day of your deposit. • If your deposit of checks (other than a U.S. Treasury check) is the second business day after the day of your deposit. • the above availability schedule will be available on the fourth business day after the day of deposit. are payable to you after the day of the deposit • Other Check Deposits The second business day after the day of the deposit – located outside the U.S. (foreign checks or drafts) cannot be processed Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign • ATM deposits (cash or check) made in The fourth business day af- ter the day of the deposit checks or drafts will be delayed for the time it takes us to collect the FEE SCHEDULE operate. Proprietary ATMs are ATMs that we own and operate made at Proprietary ATMs will generally be available on the second business day after the day of deposit. If we cash a check for you that is drawn on another bank, we may Below is the fee schedule for Corporate America Family Credit Union applicable to all accounts, loans, products and services. FEES APPLICABLE TO ALL ACCOUNTS/LOANS Account/Loan Research (per hour; 1hr. min. charge) up to $50.00 Also includes Subpoenas, Garnishments, Discovery of Assets, IRS levy, Judgments, etc. (per inquiry; non-CAFCU loans) $15.00 Cashier’s Check (per item) $5.00 Check Cashing (per item) $5.00 For members with less than the required minimum balance on deposit in Regular Share Account without payroll allocation; $25 must remain in account after transaction. Check Withdrawal (per item) $5.00 Phone request (no charge if done via XXXXX) waived for members 65 & over. Copy of Tax Form — 1042, 1098, 1099, 5498 (per item) $5.00 Corporate (CAFCU) Check (per item; payable to a third party) $3.00 Duplicate Statement Copy (per statement) $5.00 Other than current period. Inactive Account (per month; subject to state law) $15.00 Interim Statement Printout (per printout) $5.00 Late Payment All Other Loans $39.00 Lien Filing/Release Actual Cost Loan Skip-A-Payment $39.00 Money Order (per item) $1.00 Open Transfer Rejected Item $39.00 Overnight Delivery (per item) up to $30.00 Quick Cash Line of Credit Application $35.00 To establish or re-establish line of credit. (per item) $25.00 Returned ACH/Check Item (for each presentment) up to $39.00 Returned Item (for each presentment) $39.00 Returned Statements/Mail/Locator (per address change) $15.00 Share-to-Share Transfer (per item) $5.00 Phone request (no charge if done via XXXXX, online or with your mobile device) waived for members 65 & over. Shared Branching FREE Shared Branching (withdrawal or cash back; per item) $3.00 Speedpay® (per item) $10.00 Stop Payment Order (per item) $29.00 Subordination (per loan) $100.00 Unclaimed Property Fee (subject to state law) up to $50.00 Visa® Card Rush Fee $40.00 Visa® Currency Conversion Visa® Document Copy (per item) $15.00 Visa® Gift Card (per card) $3.95 Reasons we can share your personal information Does CAFCU share? Can you limit this sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes For our marketing purposes services to you For joint marketing with Yes Yes Yes Yes business purposes — information about your transactions and experiences We don’t share business purposes — information about your creditworthiness We don’t share Visa® International Service Assessment (ISA) Visa® Replacement Card (per card) $20.00 Visa® Returned Payment up to $25.00 Wire Transfer Domestic (per item) $30.00 Wire Transfer International (per item) $45.00 SHARE ACCOUNTS Below $25 Minimum Balance (per month) $2.50 Applicable to Regular Share and Fresh Start Savings. Fee waived if enrolled in eStatements; fee does not apply to minor accounts (under age 23) and new members (less than 90 days). Club/Specialty Account Withdrawal (per item) $10.00 Fresh Start Savings $10.00 Regular Share/Fresh Start Savings Withdrawal (per item) $10.00 INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) IRA Trustee Transfer Fee $25.00 CHECKING ACCOUNTS Non-Proprietary ATM Withdrawal/ (per occurrence) $2.50 Check Printing Charge Expedited Bill Pay (per item) $9.95 Fresh Start Checking (per month) $10.00 Loan Advance to Cover Overdraft (per transfer) $18.00 Fee is waived for Rewards Advantage Checking. Overdraft Item (per item paid) $39.00 Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Photocopy of Paid Check (per item) free online $5.00 Rewards Advantage Checking (per month) $6.00 Free if signed up for eStatements and complete at least 10 signature-based purchases with your Share-to-Share Transfer to Cover Overdraft (per transfer) $18.00 SAFE DEPOSIT BOXES (where available) Safe Deposit Box Sizes and Annual Fees Safe Deposit Box Replacement Key $25.00 Safe Deposit Box Drill Fee $140.00 Safe Deposit Box Late Fee (30 days or more) $10.00 P RIVACY POLICY REV 03/16 FACTS WHAT DOES CORPORATE AMERICA FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: account balances and transaction history credit history and credit scores How? personal information to run their everyday business. In the section below, we list the members’ personal information; the reasons Corporate America Family Credit Union chooses to share; and whether you can limit the sharing. to you We don’t share What happens Your choices will apply to everyone on when I limit the account. sharing for an account I hold jointly with someone else? To limit our sharing Call 0-000-000-0000 — our menu will prompt you through your choice(s) or visit us online: xxx.xxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 0-000-000-0000 or visit xxx.xxxxx.xxx/XxxxxxxXx Companies related by common ownership or control. They can be Corporate America Family Credit Union does not share with our Companies not related by common ownership or control. They can be include mortgage companies, insurance companies, direct marketing companies, check printers Joint Marketing A formal agreement between products or services to you. Our joint marketing partners include Other important information Who we are Who is providing this notice? Corporate America Family Credit Union What we do How does Corporate America Family Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include and buildings. reasons for utilizing this data. How does We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit Corporate America Family Credit Union collect my personal information? Why can’t I limit all sharing? Federal law gives you the right to limit only business purposes - information about your creditworthiness to market to you to you State laws and individual companies may give you additional rights to limit sharing. – To be eligible for membership in the Credit Union you must be an individual or entity qualifying within one share (the “membership share”) as required by our Bylaws. You authorize us to check your employment history, do an inquiry with ChexSystems, obtain a credit report from third party credit reporting agencies, use other third party sources we deem appropriate, and to verify your eligibility for the accounts and services you request when you apply for the service and as part of our normal account review process. open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also documents. Based on information obtained by ChexSystems, we reserve the right to decline opening any account. – You do hereby appoint the members of the Board of Directors of Corporate America Family Credit Union, is used, as proxies to vote for the election of Directors all the shares of Corporate America Family Credit Union now and hereafter owned Credit Union hereafter held and each adjournment thereof, from time to time and year to year, until and unless this proxy is canceled by you. You further authorize the said proxies to designate a person or committee to cast the vote or votes for you in such manner and for such candidates as the said proxies shall determine and as permitted by law.

Your Ability to Withdraw Funds. This policy statement applies to checking all deposit accounts, . Our policy is to make funds from your cash and check deposits available to other accounts may you on the first business day after the day we receive your deposit. Electronic direct deposits will be subject to longer holds than those disclosed in this policyavailable on the day we receive the deposit. When a deposit is made to your account, Once the funds may not be available immediately. In most situations, your deposit will be the delayare available, you may not can withdraw the funds them in cash and we will not use the funds to pay items presented against your accountchecks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. – The length For determining the availability of the delay your deposits, every day is counted in a business days from day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 4:00 P.M. EDT on a business day that we are open, we will consider that day to be the day of your deposit. Our business days However, if you make a deposit after 4:00 P.M. EDT or on a day we are Monday through Friday with not open, we will consider that the exception of Saturday, Sunday, and Federal holidays. Below is our general policy for accounts opened longer than 30 deposited to accounts opened less than 30 days as outlined below. The length of the delay varies depending deposit was made on the type of deposit and is explained in the following: For this type of deposit Funds will be available withhold the availability of a corresponding amount of funds that next business day we are already in your accountopen. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. – LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 5,000 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months,or overdrawn your account greater than $5,525 in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will inform notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a notice no later than the next business day after we receive your deposit. Funds They will generally be available no later than the sixth seventh business day after the day of your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. – If you are a new member, account is open. Longer delays may apply as outlined above. • Cash • Direct Deposit and other electronic credits • Wire Transfers • total deposit • Checks drawn on Corporate America Family The day we receive the deposit after the day of the deposit • Funds from electronic direct deposits to your account will be available on the business day we receive the deposit. • Traveler’s, Federal Reserve Bank Checks, Federal Home Loan Bank Checks, and federal, state and local government checks deposit if the deposit meets certain conditions. • For example, the checks must be payable to you and Credit Union • - If checks are not deposited deposited in person. er’s, state and local gov- in person funds will be • The excess over $5,525 of a day’s deposits will be available on ernment, Federal Reserve Bank, Federal Home Loan Bank checks, and Postal Service money orders that are payable to you, and deposited in person • U.S. Treasury checks, that available on the second business day after the day of deposit the ninth business day after the day of your deposit. • If your deposit of checks (other than a U.S. Treasury check) is the second business day after the day of your deposit. • the above availability schedule will be available on the fourth business day after the day of deposit. are payable to you after the day of the deposit • Other Check Deposits The second business day after the day of the deposit – located outside the U.S. (foreign checks or drafts) cannot be processed Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign • ATM deposits (cash or check) made in The fourth business day af- ter the day of the deposit checks or drafts will be delayed for the time it takes us to collect the FEE SCHEDULE operate. Proprietary ATMs are ATMs that we own and operate made at Proprietary ATMs will generally be available on the second business day after the day of deposit. If we cash a check for you that is drawn on another bank, we may Below is the fee schedule for Corporate America Family Credit Union applicable to all accounts, loans, products and services. FEES APPLICABLE TO ALL ACCOUNTS/LOANS Account/Loan Research (per hour; 1hr. min. charge) up to $50.00 Also includes Subpoenas, Garnishments, Discovery of Assets, IRS levy, Judgments, etc. (per inquiry; non-CAFCU loans) $15.00 Cashier’s Check (per item) $5.00 Check Cashing (per item) $5.00 For members with less than the required minimum balance on deposit in Regular Share Account without payroll allocation; $25 must remain in account after transaction. Check Withdrawal (per item) $5.00 Phone request (no charge if done via XXXXX) waived for members 65 & over. Copy of Tax Form — 1042, 1098, 1099, 5498 (per item) $5.00 Corporate (CAFCU) Check (per item; payable to a third party) $3.00 Duplicate Statement Copy (per statement) $5.00 Other than current period. Inactive Account (per month; subject to state law) $15.00 Interim Statement Printout (per printout) $5.00 Late Payment All Other Loans $39.00 Lien Filing/Release Actual Cost Loan Skip-A-Payment $39.00 Money Order (per item) $1.00 Open Transfer Rejected Item $39.00 Overnight Delivery (per item) up to $30.00 Quick Cash Line of Credit Application $35.00 To establish or re-establish line of credit. (per item) $25.00 Returned ACH/Check Item (for each presentment) up to $39.00 Returned Item (for each presentment) $39.00 Returned Statements/Mail/Locator (per address change) $15.00 Share-to-Share Transfer (per item) $5.00 Phone request (no charge if done via XXXXX, online or with your mobile device) waived for members 65 & over. Shared Branching FREE Shared Branching (withdrawal or cash back; per item) $3.00 Speedpay® (per item) $10.00 Stop Payment Order (per item) $29.00 Subordination (per loan) $100.00 Unclaimed Property Fee (subject to state law) up to $50.00 Visa® Card Rush Fee $40.00 Visa® Currency Conversion Visa® Document Copy (per item) $15.00 Visa® Gift Card (per card) $3.95 Reasons we can share your personal information Does CAFCU share? Can you limit this sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes For our marketing purposes services to you For joint marketing with Yes Yes Yes Yes business purposes — information about your transactions and experiences We don’t share business purposes — information about your creditworthiness We don’t share Visa® International Service Assessment (ISA) Visa® Replacement Card (per card) $20.00 Visa® Returned Payment up to $25.00 Wire Transfer Domestic (per item) $30.00 Wire Transfer International (per item) $45.00 SHARE ACCOUNTS Below $25 Minimum Balance (per month) $2.50 Applicable to Regular Share and Fresh Start Savings. Fee waived if enrolled in eStatements; fee does not apply to minor accounts (under age 23) and new members (less than 90 days). Club/Specialty Account Withdrawal (per item) $10.00 Fresh Start Savings $10.00 Regular Share/Fresh Start Savings Withdrawal (per item) $10.00 INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) IRA Trustee Transfer Fee $25.00 CHECKING ACCOUNTS Non-Proprietary ATM Withdrawal/ (per occurrence) $2.50 Check Printing Charge Expedited Bill Pay (per item) $9.95 Fresh Start Checking (per month) $10.00 Loan Advance to Cover Overdraft (per transfer) $18.00 Fee is waived for Rewards Advantage Checking. Overdraft Item (per item paid) $39.00 Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Photocopy of Paid Check (per item) free online $5.00 Rewards Advantage Checking (per month) $6.00 Free if signed up for eStatements and complete at least 10 signature-based purchases with your Share-to-Share Transfer to Cover Overdraft (per transfer) $18.00 SAFE DEPOSIT BOXES (where available) Safe Deposit Box Sizes and Annual Fees Safe Deposit Box Replacement Key $25.00 Safe Deposit Box Drill Fee $140.00 Safe Deposit Box Late Fee (30 days or more) $10.00 P RIVACY POLICY REV 03/16 FACTS WHAT DOES CORPORATE AMERICA FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: account balances and transaction history credit history and credit scores How? personal information to run their everyday business. In the section below, we list the members’ personal information; the reasons Corporate America Family Credit Union chooses to share; and whether you can limit the sharing. to you We don’t share What happens Your choices will apply to everyone on when I limit the account. sharing for an account I hold jointly with someone else? To limit our sharing Call 0-000-000-0000 — our menu will prompt you through your choice(s) or visit us online: xxx.xxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 0-000-000-0000 or visit xxx.xxxxx.xxx/XxxxxxxXx Companies related by common ownership or control. They can be Corporate America Family Credit Union does not share with our Companies not related by common ownership or control. They can be include mortgage companies, insurance companies, direct marketing companies, check printers Joint Marketing A formal agreement between products or services to you. Our joint marketing partners include Other important information Who we are Who is providing this notice? Corporate America Family Credit Union What we do How does Corporate America Family Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include and buildings. reasons for utilizing this data. How does We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit Corporate America Family Credit Union collect my personal information? Why can’t I limit all sharing? Federal law gives you the right to limit only business purposes - information about your creditworthiness to market to you to you State laws and individual companies may give you additional rights to limit sharing. – To be eligible for membership in the Credit Union you must be an individual or entity qualifying within one share (the “membership share”) as required by our Bylaws. You authorize us to check your employment history, do an inquiry with ChexSystems, obtain a credit report from third party credit reporting agencies, use other third party sources we deem appropriate, and to verify your eligibility for the accounts and services you request when you apply for the service and as part of our normal account review process. open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also documents. Based on information obtained by ChexSystems, we reserve the right to decline opening any account. – You do hereby appoint the members of the Board of Directors of Corporate America Family Credit Union, is used, as proxies to vote for the election of Directors all the shares of Corporate America Family Credit Union now and hereafter owned Credit Union hereafter held and each adjournment thereof, from time to time and year to year, until and unless this proxy is canceled by you. You further authorize the said proxies to designate a person or committee to cast the vote or votes for you in such manner and for such candidates as the said proxies shall determine and as permitted by law.

Your Ability to Withdraw Funds. This Our policy applies is to checking accounts, make funds from your cash and check deposits available to other accounts may be subject to longer holds than those disclosed in this policyyou on the first business day after the day we receive your deposit. When a deposit is made to your account, the funds may not Electronic direct deposits will be available immediatelyon the day we receive the deposit, unless they involve an International ACHˆTransaction. In most situations, your deposit will be the delaySee below for more information on International ACH Transactions. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay items presented against your account. Please remember checks that even after we have made funds available to you, and you have withdrawn written. Longer Delays May Apply However, in some cases, the fundsavailability of funds may be delayed under the following circumstances. Case-by-Case Holds: Depending on the type of check that you deposit, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. – The length of funds may not be available until the delay is counted in second business days from day after the day of your deposit. Our business days are Monday through Friday with the exception The first $200 of Saturdayyour deposits, Sundayhowever, and Federal holidays. Below is our general policy for accounts opened longer than 30 deposited to accounts opened less than 30 days as outlined below. The length of the delay varies depending on the type of deposit and is explained in the following: For this type of deposit Funds will be available withhold on the availability first business day. If we are not going to make all of a corresponding amount of the funds that are already in from your account. Those funds deposit available on the first business day, we will be available notify you at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. – Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months,or overdrawn your account greater than $5,525 in the last six months. • There is an emergency, such as failure of computer or communications equipmentdeposit. We will inform you if we delay your ability to withdraw funds for any of these reasons, and we will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a the notice no later than by the next business day after we receive your deposit. Funds will generally be available no later than the sixth business day after the day of your deposit. If you will need the funds from the a deposit right away, you should ask us when the funds will be available. – If you are Exception Holds: In addition, we may delay the ability of members to withdraw funds deposited by check up to seven (7) days for reasons included but not limited to the following: • We reasonably believe a new member, check will not be paid • Checks total more than $5,000 on any one day • The check has been returned unpaid • An account is open. Longer delays may apply overdrawn • An account has been overdrawn repeatedly in the last six (6) months • There is an emergency such as outlined above. • Cash • Direct Deposit and other electronic credits • Wire Transfers • total deposit • Checks drawn on Corporate America Family The day communications failure with computer equipment We will notify you if we receive the deposit after the day delay your ability to withdraw funds for any of the deposit • Funds from electronic direct deposits to your account will be available on the business day we receive the deposit. • Traveler’s, Federal Reserve Bank Checks, Federal Home Loan Bank Checksthese reasons, and federal, state and local government checks deposit if we will tell you when the deposit meets certain conditions. • For example, the checks must be payable to you and Credit Union • - If checks are not deposited deposited in person. er’s, state and local gov- in person funds will be • The excess over $5,525 of a day’s deposits will be available on ernment, Federal Reserve Bank, Federal Home Loan Bank checks, and Postal Service money orders that are payable to you, and deposited in person • U.S. Treasury checks, that available on the second business day after the day of deposit the ninth business day after the day of your deposit. • If your deposit of checks (other than a U.S. Treasury check) is the second business day after the day of your deposit. • the above availability schedule will be available on the fourth business day after the day of deposit. are payable to you after the day of the deposit • Other Check Deposits The second business day after the day of the deposit – located outside the U.S. (foreign checks or drafts) cannot be processed Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign • ATM deposits (cash or check) made in The fourth business day af- ter the day of the deposit checks or drafts will be delayed for the time it takes us to collect the FEE SCHEDULE operate. Proprietary ATMs are ATMs that we own and operate made at Proprietary ATMs will generally be available on the second business day after the day of deposit. If we cash a check for you that is drawn on another bank, we may Below is the fee schedule for Corporate America Family Credit Union applicable to all accounts, loans, products and services. FEES APPLICABLE TO ALL ACCOUNTS/LOANS Account/Loan Research (per hour; 1hr. min. charge) up to $50.00 Also includes Subpoenas, Garnishments, Discovery of Assets, IRS levy, Judgments, etc. (per inquiry; non-CAFCU loans) $15.00 Cashier’s Check (per item) $5.00 Check Cashing (per item) $5.00 For members with less than the required minimum balance on deposit in Regular Share Account without payroll allocation; $25 must remain in account after transaction. Check Withdrawal (per item) $5.00 Phone request (no charge if done via XXXXX) waived for members 65 & over. Copy of Tax Form — 1042, 1098, 1099, 5498 (per item) $5.00 Corporate (CAFCU) Check (per item; payable to a third party) $3.00 Duplicate Statement Copy (per statement) $5.00 Other than current period. Inactive Account (per month; subject to state law) $15.00 Interim Statement Printout (per printout) $5.00 Late Payment All Other Loans $39.00 Lien Filing/Release Actual Cost Loan Skip-A-Payment $39.00 Money Order (per item) $1.00 Open Transfer Rejected Item $39.00 Overnight Delivery (per item) up to $30.00 Quick Cash Line of Credit Application $35.00 To establish or re-establish line of credit. (per item) $25.00 Returned ACH/Check Item (for each presentment) up to $39.00 Returned Item (for each presentment) $39.00 Returned Statements/Mail/Locator (per address change) $15.00 Share-to-Share Transfer (per item) $5.00 Phone request (no charge if done via XXXXX, online or with your mobile device) waived for members 65 & over. Shared Branching FREE Shared Branching (withdrawal or cash back; per item) $3.00 Speedpay® (per item) $10.00 Stop Payment Order (per item) $29.00 Subordination (per loan) $100.00 Unclaimed Property Fee (subject to state law) up to $50.00 Visa® Card Rush Fee $40.00 Visa® Currency Conversion Visa® Document Copy (per item) $15.00 Visa® Gift Card (per card) $3.95 Reasons we can share your personal information Does CAFCU share? Can you limit this sharing? For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes For our marketing purposes services to you For joint marketing with Yes Yes Yes Yes business purposes — information about your transactions and experiences We don’t share business purposes — information about your creditworthiness We don’t share Visa® International Service Assessment (ISA) Visa® Replacement Card (per card) $20.00 Visa® Returned Payment up to $25.00 Wire Transfer Domestic (per item) $30.00 Wire Transfer International (per item) $45.00 SHARE ACCOUNTS Below $25 Minimum Balance (per month) $2.50 Applicable to Regular Share and Fresh Start Savings. Fee waived if enrolled in eStatements; fee does not apply to minor accounts (under age 23) and new members (less than 90 days). Club/Specialty Account Withdrawal (per item) $10.00 Fresh Start Savings $10.00 Regular Share/Fresh Start Savings Withdrawal (per item) $10.00 INDIVIDUAL RETIREMENT ACCOUNTS (IRAs) IRA Trustee Transfer Fee $25.00 CHECKING ACCOUNTS Non-Proprietary ATM Withdrawal/ (per occurrence) $2.50 Check Printing Charge Expedited Bill Pay (per item) $9.95 Fresh Start Checking (per month) $10.00 Loan Advance to Cover Overdraft (per transfer) $18.00 Fee is waived for Rewards Advantage Checking. Overdraft Item (per item paid) $39.00 Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Photocopy of Paid Check (per item) free online $5.00 Rewards Advantage Checking (per month) $6.00 Free if signed up for eStatements and complete at least 10 signature-based purchases with your Share-to-Share Transfer to Cover Overdraft (per transfer) $18.00 SAFE DEPOSIT BOXES (where available) Safe Deposit Box Sizes and Annual Fees Safe Deposit Box Replacement Key $25.00 Safe Deposit Box Drill Fee $140.00 Safe Deposit Box Late Fee (30 days or more) $10.00 P RIVACY POLICY REV 03/16 FACTS WHAT DOES CORPORATE AMERICA FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: account balances and transaction history credit history and credit scores How? personal information to run their everyday business. In the section below, we list the members’ personal information; the reasons Corporate America Family Credit Union chooses to share; and whether you can limit the sharing. to you We don’t share What happens Your choices will apply to everyone on when I limit the account. sharing for an account I hold jointly with someone else? To limit our sharing Call 0-000-000-0000 — our menu will prompt you through your choice(s) or visit us online: xxx.xxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 0-000-000-0000 or visit xxx.xxxxx.xxx/XxxxxxxXx Companies related by common ownership or control. They can be Corporate America Family Credit Union does not share with our Companies not related by common ownership or control. They can be include mortgage companies, insurance companies, direct marketing companies, check printers Joint Marketing A formal agreement between products or services to you. Our joint marketing partners include Other important information Who we are Who is providing this notice? Corporate America Family Credit Union What we do How does Corporate America Family Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include and buildings. reasons for utilizing this data. How does We collect your personal information, for example, when you open an account or deposit money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as credit Corporate America Family Credit Union collect my personal information? Why can’t I limit all sharing? Federal law gives you the right to limit only business purposes - information about your creditworthiness to market to you to you State laws and individual companies may give you additional rights to limit sharing. – To be eligible for membership in the Credit Union you must be an individual or entity qualifying within one share (the “membership share”) as required by our Bylaws. You authorize us to check your employment history, do an inquiry with ChexSystems, obtain a credit report from third party credit reporting agencies, use other third party sources we deem appropriate, and to verify your eligibility for the accounts and services you request when you apply for the service and as part of our normal account review process. open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also documents. Based on information obtained by ChexSystems, we reserve the right to decline opening any account. – You do hereby appoint the members of the Board of Directors of Corporate America Family Credit Union, is used, as proxies to vote for the election of Directors all the shares of Corporate America Family Credit Union now and hereafter owned Credit Union hereafter held and each adjournment thereof, from time to time and year to year, until and unless this proxy is canceled by you. You further authorize the said proxies to designate a person or committee to cast the vote or votes for you in such manner and for such candidates as the said proxies shall determine and as permitted by law.