Common use of SIGNATURE CARD Clause in Contracts

SIGNATURE CARD. When you have occasion to visit a branch, you may be asked to complete a signature card. Member FDIC NMLS #449916 DEP-8 (8/18) FOR MORE INFORMATION FROM THE FDIC Call toll-free 0-000-XXX-XXXX (0-000-000-0000) Hearing impaired line 0-000-000-0000 Calculate insurance coverage using XXXX The Electronic Deposit Insurance Estimator – known as XXXX – is an online tool that’s simple and easy to use. To calculate your deposit insurance coverage, use XXXX at: xxx.xxxx.xxx/xxxx. Read more about FDIC insurance online at: xxx.xxxx.xxx/xxxxxxx/xxxxxxxx Send questions by e-mail Use the FDIC’s online Customer Assistance Form at: xxx0.xxxx.xxx/xxxxxxxxx Mail questions Federal Deposit Insurance Corporation Attn: Deposit Insurance Section 000 00xx Xxxxxx, XX Xxxxxxxxxx, XX 00000 UPDATED 2014 DEPOSIT INSURANCE AT A GLANCE Federal Deposit Insurance Corporation FDIC-002-2014 FDIC DEPOSIT INSURANCE Since 1933, the FDIC seal has symbolized the safety and security of our nation’s financial institutions. FDIC deposit insurance enables consumers to confidently place their money at thousands of FDIC-insured banks across the country, and is backed by the full faith and credit of the United States government. FDIC deposit insurance coverage depends on two things: (1) whether your chosen financial product is a deposit product; and (2) whether your bank is FDIC-insured. THE FDIC COVERS • Checking accounts • Negotiable Order of Withdrawal (NOW) accounts • Savings accounts • Money Market Deposit Accounts (MMDAs) • Time deposits such as certificates of deposit (CDs) • Cashier’s checks, money orders, and other official items issued by a bank THE FDIC DOES NOT COVER • Stock investments • Bond investments • Mutual funds • Life insurance policies • Annuities • Municipal securities • Safe deposit boxes or their contents • U.S. Treasury bills, bonds or notes Depositors do not need to apply for FDIC insurance. Coverage is automatic whenever a deposit account is opened at an FDIC-insured bank or financial institution. If you are interested in FDIC deposit insurance coverage, simply make sure you are placing your funds in a deposit COVERAGE LIMITS The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for coverage over $250,000 if they have funds in different ownership categories and all FDIC requirements are met. All deposits that an accountholder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount. WHEN A BANK FAILS A bank failure is the closing of a bank by a federal or state banking regulatory agency, generally resulting from a bank’s inability to meet its obligations to depositors and others. In the unlikely event of a bank failure, the FDIC acts quickly to ensure depositors get prompt access to their insured deposits. FDIC deposit insurance covers the balance of each depositor’s account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank’s closing. The FDIC acts in two capacities following a bank failure:

SIGNATURE CARD. When you have occasion to visit a branch, you may be asked to complete a signature card. Member FDIC NMLS #449916 DEP-8 Rev. 7/22 Early Closing Fees $ 25 (8/18if closed within 90 days of opening) FOR MORE INFORMATION FROM THE IRA/CESA Transfer Fee $ 35 Fee Schedule Effective September 7, 2021 Below Minimum Balance Fees (Minimum Balance of $100) Personal Savings Accounts UltraSavings $ 5 per Month Kauai Savings Special $ 5 per Month Glaziers Vacation Savings $ 5 per Month Step-Up Savings $ 5 per Month Business Savings Accounts UltraSavings - Business Kauai Savings Special - Business $ 5 per Month $ 5 per Month Notary Public For original document and $ 5 per Signing one duplicate original For each duplicate original $ 2.50 per Signing thereafter Research Response to Document Request $ 30 per Hour or Fraction Thereof Copying Fee $ 0.50 per Page Off-Site Retrieval Fee $ 10 per Box Response to Legal Process $ 50 per Hour and/or Subpoenas Returned Draft or Check Fee $ 20 per Draft or Check Stop Payment Fee $ 20 per Check Replacement Certificate of Deposit $ 10 per Certificate Checks Issued to Third Party First Check Per Day No Charge Additional Checks on Same Day $ 10 per Check Wire Transfers Incoming (First Hawaiian Bank) $ 20 per Order Incoming (Federal Reserve Bank) $ 65 per Order Outgoing $ 75 per Order Member FDIC Call toll-free 0-000-XXX-XXXX (0-000-000-0000) Hearing impaired line 0-000-000-0000 Calculate insurance coverage using XXXX The Electronic Deposit Insurance Estimator – NMLS #449916 Rev. 09/21 Member FDIC ELECTRONIC FUND TRANSFER AGREEMENT Since some of your transactions with Finance Factors, Limited may involve electronic deposits and payments, known as XXXX – is an online tool that’s simple “electronic transfers,” we are providing you with this Agreement to explain our mutual responsibilities and easy liabilities, as well as some other aspects of these transactions. This Agreement applies to use. To calculate all electronic transfers that you authorize a third party to make into your deposit insurance coverage, use XXXX at: xxx.xxxx.xxx/xxxx. Read more about FDIC insurance online at: xxx.xxxx.xxx/xxxxxxx/xxxxxxxx Send questions by e-mail Use the FDIC’s online Customer Assistance Form at: xxx0.xxxx.xxx/xxxxxxxxx Mail questions Federal Deposit Insurance Corporation Attn: Deposit Insurance Section 000 00xx Xxxxxx, XX Xxxxxxxxxx, XX 00000 UPDATED 2014 DEPOSIT INSURANCE AT A GLANCE Federal Deposit Insurance Corporation FDIC-002-2014 FDIC DEPOSIT INSURANCE Since 1933, the FDIC seal has symbolized the safety and security of our nation’s financial institutions. FDIC deposit insurance enables consumers to confidently place their money at thousands of FDIC-insured banks across the countryaccount(s) with us, and is backed to all electronic transfers that you authorize us to make from your account(s) with us. In this Agreement, “you” and “your” refer to each person using electronic transfers and “we,” “us,” “our,” and “bank” refer to Finance Factors, Limited. By using our electronic transfer services, you agree to the terms and conditions contained in this Agreement. We agree to complete your authorized Electronic Fund Transfers, which are governed by the full faith Electronic Fund Transfer Act, under the terms and credit conditions of this Agreement. Certain other electronic transfers, often referred to as “wire transfers”, through the Federal Reserve Communications System or other similar networks, are governed by Article 4A of the United States government. FDIC deposit insurance coverage depends on two things: (1) whether your chosen financial product is a deposit product; Uniform Commercial Code and (2) whether your bank is FDIC-insured. THE FDIC COVERS • Checking accounts • Negotiable Order of Withdrawal (NOW) accounts • Savings accounts • Money Market Deposit Accounts (MMDAs) • Time deposits such as certificates of deposit (CDs) • Cashier’s checksSection 490:4A-101, money orderset seq, HRS, and other official items issued by a bank THE FDIC DOES NOT COVER • Stock investments • Bond investments • Mutual funds • Life insurance policies • Annuities • Municipal securities • Safe deposit boxes will be accepted for processing or their contents • U.S. Treasury bills, bonds or notes Depositors do not need to apply for FDIC insurance. Coverage is automatic whenever a deposit account is opened change only at an FDIC-insured bank or financial institution. If you are interested in FDIC deposit insurance coverage, simply make sure you are placing your funds in a deposit COVERAGE LIMITS The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for coverage over $250,000 if they have funds in different ownership categories and all FDIC requirements are met. All deposits that an accountholder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount. WHEN A BANK FAILS A bank failure is the closing of a bank by a federal or state banking regulatory agency, generally resulting from a bank’s inability to meet its obligations to depositors and others. In the unlikely event of a bank failure, the FDIC acts quickly to ensure depositors get prompt access to their insured deposits. FDIC deposit insurance covers the balance of each depositor’s account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank’s closing. The FDIC acts in two capacities following a bank failure:our discretion.

SIGNATURE CARD. When you have occasion to visit a branch, you may be asked to complete a signature card. Member FDIC NMLS #449916 DEP-8 DEP-1b (8/183/19) FOR MORE INFORMATION FROM THE FDIC Call toll-free 0-000-XXX-XXXX (0-000-000-0000) Hearing impaired line 0-000-000-0000 Calculate insurance coverage using XXXX The Electronic Deposit Insurance Estimator – known as XXXX – is an online tool that’s simple and easy to use. To calculate your deposit insurance coverage, use XXXX at: xxx.xxxx.xxx/xxxx. Read more about FDIC insurance online at: xxx.xxxx.xxx/xxxxxxx/xxxxxxxx Send questions by e-mail Use the FDIC’s online Customer Assistance Form at: xxx0.xxxx.xxx/xxxxxxxxx Mail questions Federal Deposit Insurance Corporation Attn: Deposit Insurance Section 000 00xx Xxxxxx, XX Xxxxxxxxxx, XX 00000 UPDATED 2014 DEPOSIT INSURANCE AT A GLANCE Federal Deposit Insurance Corporation FDIC-002-2014 FDIC DEPOSIT INSURANCE Since 1933, the FDIC seal has symbolized the safety and security of our nation’s financial institutions. FDIC deposit insurance enables consumers to confidently place their money at thousands of FDIC-insured banks across the country, and is backed by the full faith and credit of the United States government. FDIC deposit insurance coverage depends on two things: (1) whether your chosen financial product is a deposit product; and (2) whether your bank is FDIC-insured. THE FDIC COVERS • Checking accounts • Negotiable Order of Withdrawal (NOW) accounts • Savings accounts • Money Market Deposit Accounts (MMDAs) • Time deposits such as certificates of deposit (CDs) • Cashier’s checks, money orders, and other official items issued by a bank THE FDIC DOES NOT COVER • Stock investments • Bond investments • Mutual funds • Life insurance policies • Annuities • Municipal securities • Safe deposit boxes or their contents • U.S. Treasury bills, bonds or notes Depositors do not need to apply for FDIC insurance. Coverage is automatic whenever a deposit account is opened at an FDIC-insured bank or financial institution. If you are interested in FDIC deposit insurance coverage, simply make sure you are placing your funds in a deposit COVERAGE LIMITS The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for coverage over $250,000 if they have funds in different ownership categories and all FDIC requirements are met. All deposits that an accountholder has in the same ownership category at the same bank are added together and insured up to the standard insurance amount. WHEN A BANK FAILS A bank failure is the closing of a bank by a federal or state banking regulatory agency, generally resulting from a bank’s inability to meet its obligations to depositors and others. In the unlikely event of a bank failure, the FDIC acts quickly to ensure depositors get prompt access to their insured deposits. FDIC deposit insurance covers the balance of each depositor’s account, dollar-for-dollar, up to the insurance limit, including principal and any accrued interest through the date of the insured bank’s closing. The FDIC acts in two capacities following a bank failure: