Common use of Special Rules for New Accounts Clause in Contracts

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525.00 5,525 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM DepositsBusiness Days and Cut-off Times For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. There may be a delay between the time If you make a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT before close on a business day that we are open open, we will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of your deposit. However, if you make an ATM a deposit after 4:00 PM CT that time or on a business day that we are not open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned International ACH Transactions International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by nbkc bankus for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). Funds In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Foreign Checks or Drafts Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits made at an ATM not owned and operated by nbkc bank of foreign checks will be made available no later than delayed for the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's, traveler'stravelers, and federal, state and local government checks will be available on the first next business day after the day of your deposit if the that deposit meets certain conditions. For example, the checks must be are payable to you. The excess over $5,525.00 5,525 will be available on the second ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkcheck payable to you) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second (2nd) business day after the day of your deposit. Funds from deposits of all other checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on no later than the ninth (9th) business day after the day of your deposit. ATM DepositsNon-Proprietary and Proprietary ATMs. There may be a delay between the time a deposit is *Non-Proprietary (aka “Foreign ATMs”) and Proprietary ATMs Non-Proprietary ATMs are machines that we do not own or operate. Deposits made and when it in cash or check at non-proprietary ATMs will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth 5th business day following after the banking day on which of the deposit. No funds are deposited.made available until the hold is released. Proprietary ATMs are owned and operated by NASA Federal Credit Union and our name is displayed on the ATM. Deposits made at Proprietary ATMs will generally be available on the second business day after the day of deposit. When depositing or cashing a check, please note:

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 days your account is open: opened. Funds from electronic direct deposits to your account account, excluding External Funds Transfers, will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525.00 5,525 will be available on the second first business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on no later than the ninth business day second Business Day after the day of your deposit. ATM DepositsACKNOWLEDGMENT You acknowledge that You have read and or printed a copy of this Funds Availability Disclosure Agreement and agree to abide by the terms of the agreement. There may HEALTH SAVINGS ACCOUNT EXTERNAL FUNDS TRANSFER AGREEMENT ACCEPTANCE OF TERMS This Agreement sets out the terms and conditions (Terms) upon which Avidia Bank (Custodian) and Depository (if different from Avidia Bank) will provide the ability to perform external funds transfers and serves as a legally binding agreement between you Custodian and Depository. If you do not accept and agree to all of the Terms, you will not be a delay between entitled to use the time a deposit external transfer funds feature. Avidia Bank reserves the right to change the Terms, under which the external funds transfer feature is made and when it offered at any time; however, Avidia Bank will be available for withdrawalnotify you of any material change to the Terms. nbkcIn most cases, you will receive the notice on-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until line the next business daytime you log in; however, excluding $225 which will be available on Avidia Bank reserves the same business dayright to notify you by e-mail or by conventional mail, in its discretion. However, You agree that if you make continue to use the external funds transfer feature after we notify you of any change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If at any time you wish to discontinue using the external funds transfer, you can unsubscribe by sending Avidia Bank an ATM deposit after 4:00 PM CT on a business day that we are open, we e-mail to XXX@xxxxxxxxxx.xxx or call us at 0-000-000-0000. If your Deposit Account associated with an external transfer has been closed you will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available have no later than the fifth business day following the banking day on which the funds are depositedfurther right or access to use this feature.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the date of deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 from next-day items will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day date of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsNew accounts do not receive $225 same day availability. There may be Use of our affiliated Shared Branches is restricted for the first 30 days after your account is open. DEPOSITS MADE AT CREDIT UNION SHARED BRANCHES Shared Branch Availability Policy Disclosure: Shared Branch locations are defined as those offices where members of Credit Unions are able to perform transactions to their Credit Union account. The policy for deposits made at a delay between Shared Branch location is to make funds from your deposits available to you on the time a same business day your deposit is received. A deposit made and at a Shared Branch location is considered received when it will be available for withdrawalis accepted with all appropriate endorsements. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on For determining the availability of your deposits, every day is a business day that we are the Credit Union is open which may differ from the days the Shared Branch location is open. If you make a deposit on a day the Credit Union is open, that day will be delayed until considered the day of deposit. However, if you make a deposit at a Shared Branch location on a day the Credit Union is not open, your deposit will be considered made on the next business dayday the Credit Union is open. Longer Delays May Apply: In some cases, excluding all of the funds that you deposit by check will not be available to you on the same business day you make the deposit. Depending upon the type of check you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 which of your deposits will be available on the same business day. HoweverIf all of your funds from your deposit will not be available on the same business day, if you will be notified at the time you make an ATM your deposit that a hold has been placed. If your deposit is not made directly to a Shared Branch employee, or if this action is taken after 4:00 PM CT on you have left the premises, a business day that we are open, we notice will consider that the deposit was made be mailed to you on the next business day we are openafter your deposit is received. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank If you will be made available no later than the fifth business day following the banking day on which need the funds are depositedfrom a deposit immediately, you should contact CFCU regarding your funds availability.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open:  Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, checks drawn on Us, and the first $5,525.00 5,000.00 of a day's total deposits of cashier'scertified checks, certifiedU.S. Treasury checks, teller's, traveler's, and federal, state and local government checks, and Payroll and/or Commission checks will also be available on the first business day after We receive the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 5,000.00 will be available on the second 2nd business day after the day of your Your deposit. If your deposit  Funds from deposits of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 of a day's total deposits of cashier's and teller's checks, and postal money orders will not be available until on the second 1st business day after the day of your Your deposit, if the deposit meets certain conditions. Funds from deposits of For example, the checks drawn on nbkc bank must be payable to You. The excess over $5,000.00 will be available on the same 2nd business day as after the day of your Your deposit. Funds  The first $200.00 from all other check deposits will be available on the ninth day We receive the deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The remaining funds will be available on the 5th business day after the day of your Your deposit. For example, if You deposit a check of $700.00 on a Monday, $200.00 of the deposit is available on Monday. The remaining $500.00 is available on the following Monday. ATM Deposits. There may be a The length of the delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT at ATMs varies depending on a business day the ownership and operating status of the machine used when making the deposit and is explained below. All ATMs that we We own or operate are open will be delayed until identified as Our machines.  For deposits made at ATMs owned and operated by the next business dayCredit Union, excluding $225 which deposits of cash will be available on the same business dayday We receive the deposit. HoweverDeposits of checks drawn on Us, if you make an ATM deposit after 4:00 PM CT and U.S. Treasury checks will be available on a the 1st business day that we are openafter the day of Your deposit. For a deposit of other checks, we the first $200.00 will consider that the deposit was made be available on the next 1st business day we are openafter the day of Your deposit. Other ATMs Not Owned by nbkc bankThe remaining funds will be available on the 2nd business day after the day of Your deposit. Funds from  For deposits made at an ATM ATMs not owned and operated by nbkc bank the Credit Union, the first $200.00 from check deposits will be made available no later than on the fifth 1st business day following after the banking day of Your deposit. The remaining funds will be available on which the funds are deposited5th business day after the day of Your deposit.

Special Rules for New Accounts. If you are open a new customeraccount, the following special rules will apply during the first 30 thirty (30) days your account is open: open unless every owner on the new account has been a member/customer of the Credit Union for at least 30 days. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on by the second ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second (2nd) business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on by the ninth (9th) business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Deposits at Automated Teller Machines Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that at automated teller machines (ATMs) we are open will be delayed until the next business day, excluding $225 which do not own or operate will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a fifth (5th) business day that we are open, we will consider that after the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bankdate of your deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) that we do own or operate will be available on the second (2nd) business day after the day of your deposit; however, a check drawn on the Treasury of the United States and deposited in an ATM not owned and operated account held by nbkc bank a payee of the check will be made available no later than on the business day after it is deposited. All ATMs that we own or operate are identified as our machines. Your Ability to Withdraw Funds from Checks Deposited at Service Centers Corporation and/or Shared Branch Location Facilities. Funds from checks you deposit at a Service Centers Corporation and/or shared branch location facility may not be available until the fifth business day following after the banking day on which the funds of deposit. Such deposits are depositedsubject to longer delays as discussed above.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: Funds . Cash, wire transfers and funds from electronic direct deposits to your account will be available on the same business day that we receive the deposit. Funds from deposits of cash, wire transfers, and the The first $5,525.00 of a day's ’s total deposits of U.S. Treasury checks, U.S. postal money orders, cashier's’s, certified, and teller's’s checks, traveler's, and federal, state and local government checks, and Federal Reserve Bank and Federal Home Loan Bank checks will be available on by the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will may not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM DepositsCARD OR MASTERCARD CHECK CARD, OUR AUDIO RESPONSE SYSTEM ("XXXX ") AND OUR ONLINE BANKING SYSTEM (“Online Banking”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”). There may be a delay between Electronic Funds transfers are electronically initiated transfers of money from your account through the time a deposit is made electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and when it will be available severally, agree to the terms and conditions in this Agreement and any amendments for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedEFT services offered.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open: . Funds from electronic direct deposits to your account Account will be available on the day we receive effective date of the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsOTHER METHODS OF HOLDS ON FUNDS Holds on Other Funds (Check Cashing): If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your Account. There may be a delay between the time a deposit is made and when it Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. Holds on Other Funds (Other Account): If we accept for withdrawaldeposit 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. nbkc-bank-branded ATM. Funds from deposits made The funds in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will the other Account would then not be delayed available for withdrawal until the next business daytime periods that are described elsewhere in this disclosure for the type of check that you deposited. DOWNEY FEDERAL CREDIT UNION 0000 0XX XXXXXX DOWNEY, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited.CA 90241 000-000-0000 XXXXXXXXX.XXX

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government governm ent checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to t o you. The excess over $5,525.00 will be available on the second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited. Mobile Banking Deposits. Funds from deposits made via Mobile Deposit prior to 5:00 PM CT on a business day that we are open will be delayed until the next business day. However, if you make a Mobile Deposit after 5:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Mobile Deposits are subject to longer hold times and delays. Electronic ACH Longer Availability. Electronic transfers depositing into the Account initiated through the Mobile App or Website may take up to five (5) business days from the date of the initial request but will generally post on the payment date of the deposit once the money has reached the Bank and/or Platform.

Special Rules for New Accounts. If you are I am a new customermember, the following special rules will apply during the first 30 days your my account is open: . Funds from electronic direct deposits to your my account will be available on the day we receive effective date of the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,600 of a day's ’s total deposits of cashier's, certified’s checks, teller's’s checks, traveler's, travelers cheques and federal, state and local government checks will be available on the first business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme and deposited directly to one of your employee’s. The excess over $5,525.00 5,600 will be available on no later than the second ninth business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525.00 5,600 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your my deposit. Funds from all other check deposits will be available on no later than the ninth business day after the day of your my deposit. ATM DepositsOTHER METHODS OF HOLDS ON FUNDS HOLDS ON OTHER FUNDS (CHECK CASHING): If you cash a check for me that is drawn on another bank, you may withhold the availability of a corresponding amount of funds that are already in my account. There may be a delay between the time a deposit is made and when it Those funds will be available at the time funds from the check you cashed would have been available if I had deposited it. HOLDS ON OTHER FUNDS (OTHER ACCOUNT): If you accept for withdrawaldeposit a check that is drawn on another bank, you may make funds fromthe deposit available for withdrawal immediately but delay my availability to withdraw a corresponding amount of funds that I have on deposit in another account with you. nbkc-bank-branded ATM. Funds from deposits made The funds in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will the other account would then not be delayed available for withdrawal until the next business day, excluding $225 which will be available on time periods that are described elsewhere in this disclosure for the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day type of check that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are I deposited.

Special Rules for New Accounts. If you are a new customeraccount holder, the following special rules will may apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from received electronically through an ACH credit, deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be are payable to you. The excess over $5,525.00 5,525 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkchecks) is not made in person to one of our employeesin a branch location, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will generally be available on no later than the ninth seventh business day after the day of deposit. DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day of your deposit. ATM DepositsThis rule does not apply at ATMs that we own or operate. There All ATMs that we own or operate are identified as our machines and are subject to the following funds availability policy: deposits may be subject to a delay two-business day hold for verification purposes. ENDORSEMENTS You must endorse all items you deposit. Endorsements must be placed in the space on the back of the check between the time a deposit is made top edge and when it will be available for withdrawal1-1/2 inches from the top edge. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business dayThe Credit Union may accept drafts or checks with endorsements outside this space. However, if any such endorsement or other markings you or any prior endorser make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we check cause any delay or error in processing the item for payment, you are openresponsible for any loss incurred by us due to the delay or error. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited.PROCESS

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: • Funds from electronic received through direct deposits to your account deposit will be available on the day we receive the depositsame Business Day these are received. • Funds from deposits of cashcash deposits, wire transfers, and the first $5,525.00 5,525 of a day's total deposits of made on cashier's’s, certified, teller's’s, traveler's, travelers and federal, state and local government checks from PR or USVI or from any governmental agencies or municipalities will be available on the first business day Business Day after the day of your deposit if the deposit meets you comply with certain conditions. For , for example, your deposit is completed using the checks must be payable to youspecial deposit slip. The excess over $5,525.00 5,525 will be made available on by the second business day sixth (6th) Business Day after the day of your deposit. • If your deposit of these checks (other than check(s), except for a U.S. US Treasury check) is , are not made deposited in person to person, through one of our employeesbranch tellers, using the special deposit slip, the first $5,525.00 will not 5,525 may be available until on the second business day (2nd) Business Day after the day of your deposit. Funds from deposits • The funds of all remaining checks drawn on nbkc bank will be available on no later than the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day sixth (6th) Business Day after the day of your deposit. ATM Deposits. There *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 on any one day; the exception applies to the portion of your deposit in excess of the first $5,525; • You deposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as a failure of communications / computer equipment or emergency beyond Oriental Bank’s control. • We will notify you if we delay between your ability to withdraw funds for any of the time a deposit is made reasons detailed above, and we will tell you when it the funds will be available for withdrawalavailable. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will Generally, the funds may be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business sixth (6th) Business Day after the day of your deposit. Your right to draw against checks or cash you deposit to the Account is controlled by law, and by our Funds Availability Policy, which is part of this Agreement. Applicable laws and our Funds Availability Policy may change from time to time. You may request at any time during regular banking hours, the current Funds Availability Policy. We may, in our sole discretion, give you provisional credit for certain checks which you deposit to your Account before we have received final payment for those checks, and let you write checks or make withdrawals against provisionally credited funds. If for any reason we do not receive final payment for any check you deposit, we may charge this check back to your Account or reverse any provisional credit we gave you, even if you have already used the provisional credit. If there is not enough money in the Account to cover the charge back or the reversal, you will owe us any amount that we did not get back from the Account, immediately upon our request. In addition, we may charge back any deposited item at any time before final settlement for whatever reason. We will not be liable for any damages resulting from the exercise of these rights. Except as may be attributable to our lack of good faith or failure to exercise ordinary care, we will not be liable for dishonor resulting from any reversal of credit, return of deposited items or for any damages resulting from any of those actions. The dollar amount of collected funds and any provisional credit you have in the Account will be determined once each Business Day, and we will decide which checks, transfers, debits, payment orders, and other requests for payment of funds to pay and honor from your Account throughout that Business Day based on this one determination, without taking into account deposits or other credits which we post to your Account later on the same Business Day. These provisions also apply to any remotely created check that you may deposit into your Account. A remotely created check (sometimes called a telecheck, preauthorized draft, bill pay check, or demand draft), as defined in Regulation CC of the Federal Reserve Bank, is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). In place of a signature, the check usually has a statement that the owner authorized the check or has the owner’s name typed or printed on the signature line. You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (a) you have received express and verifiable authorization to create the banking day check in the amount and to the payee that appears on the check; (b) you will maintain proof of the authorization for at least two (2) years from the date of the authorization, and supply us the proof if we ask; and (c) if a check is returned you owe us the amount of the check, regardless of when the check is returned. Also, we reserve the rights to: (i) refuse for deposit any such remotely created check if we have any reason to believe that the item is fraudulent in any manner, and (ii) obtain from you the payor’s express, verifiable authorization for any such item. Your Checks May Be Returned You agree to complete checks so that they are not easy to alter, and you must not put a date on your checks which is after the date of signature. If you do, we will not be liable for any loss you incur as a result of us paying a check before the date you have put on it. The Bank may refuse without liability, to pay any check, substitute check or item ordered to be debited from the Deposit Account (payment order) if: (a) there is a signature missing and/or was signed by a person not authorized to do so according to the Bank records; (b) was incorrectly or incompletely issued or endorsed; (c) was issued in a form that has not been approved by the Bank; (d) it is not authorized for payment; (e) exceeds the amount permitted for the Account or the amount of available funds in the Account; (f) there are insufficient funds in the Account; (g) there is dispute as to the rights of ownership to or authority to act with respect to the funds contained in the Deposit Account; (h) the Bank is uncertain as to who is entitled to the funds pursuant to the contract of deposit, or otherwise receives instructions which the Bank determines, in its discretion, to be unclear or conflicting; (i) the Bank has been ordered by a court or other legal process not to permit the payment; or (j) the Bank has some suspicion of fraud or irregularity or illegality. If we return checks or regular payment orders or refuse to accept other instructions, we will tell you the reason for doing so. Information on charges for returned items or items we are obliged to pay, such as guaranteed checks, are available on request. We may refuse to make any payment if you do not have cleared funds (or an agreed overdraft) available on the Business Day before the items are presented for payment. In deciding whether you have funds available we may take into account any earlier instructions to make payments, any authorizations we have given for card transactions, regular payments from your Deposit Account, and any checks we are treating as cleared. We will tell you if you can make payments from your Deposit Account against checks which are not cleared. We may not take into consideration regular credits paid into your Deposit Account or any credits received after the decision to refuse payment has been taken. The reasons a check you deposit may be returned by another financial institution may include but are not limited to the following reasons: • Non-sufficient funds (NSF) or refer to drawer: means there is not enough money in the account on which the check is drawn; • Payment stopped: the owner of the account has requested the check not be paid; • Postdated: the date on the check is in the future; • Stale dated: the date on the check is six (6) months or older; • Account closed: the account the money is coming from is closed; • Funds not cleared: a “hold” has been placed on funds in the account on which the check is drawn on; • Materially altered check: the owner of the account says the check has been altered without authorization; • Counterfeit check: the owner of the account denies issuing the check; • Irregular signature: the signature on the face of the check does not match the usual signature of the person that it purports to be; • Forged signature: the signature on the face of the check is not the signature of the person that it purports to be; • Forged endorsement: the signature of the endorser of the check is not the signature of the person that it purports to be; or • Words and figures differ: the written and numerical amounts on the check don’t match. You may stop payment of a check before it has been presented for payment (unless it has been guaranteed). You must provide us with written notice; you may only cancel instructions given by you if they have not been acted upon. If we are deposited.able to cancel your instruction, we may make a charge. Information on our charge for stopping payment of checks is available on request. Stop payment requests for checks that are received after 4:00 pm will be effective on the next Business Day after the Bank accepts your stop payment request. If any check you have negotiated is returned to us unpaid we will debit your Deposit Account, whether or not it creates or increases an overdraft and even if we allowed you to make a payment or to take cash against the check. Should the Bank in its discretion pay any check or payment order when there are insufficient funds in your Deposit Account, you agree, as permitted by law, to pay the Bank said overdraft on demand, a fee for the returned check and also agree to pay interest on the overdraft. The Bank may refuse to honor a payment order if the account is subject to a dispute (unless a court with jurisdiction allows the payment order), if it is subject to attachment or lien, has been pledged as collateral for a debt, if availability of funds could not be verified or if the account has been debited for any debt due to the Bank which was not paid on time. In the event the Bank returns a payment order by error, the Bank shall not be responsible for damages or claims of loss of income, loss of profit, and/or unforeseen damages caused by the wrongful return of a payment order. The Bank is under no obligation to pay a check that has been presented six (6) months after the date it was drawn; however, it may charge the amount to your Deposit Account after said date without incurring any responsibility. Pre-Authorized Transactions You may authorize in advance a deposit to an Account you specify. Deposits will be credited the same day the Bank receives the funds. You may confirm whether a deposit has been received, or make a claim about this service by calling us Toll Free at 0-000-000-0000 or 000-000-0000 (Monday through Friday from 7:00am to 7:00pm; Saturdays from 8:00am to 5:00pm) or write to: Oriental Bank, Attn. Bank Operations, PO Box 195115, San Xxxx, PR 00919-5115. You will receive a periodic statement of account that will reflect the dates on which direct deposits were credited. Service charges for this service (if applicable) are described in the Disclosure of Interest, Fees & Account Terms provided to you when you opened your Deposit Account. If you wish to authorize in advance transfers from your Account, you must do so in writing and a copy of said authorization must be provided by the entity you are authorizing to debit your Account. In order to discontinue the processing of a pre-authorized withdrawal instruction not originated by the Bank, you must write to the entity that originated the transaction and provide the Bank with a copy of that letter. If you authorize automatic debits from your Account for amounts that may vary, the beneficiary must notify that fact ten

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that at automated teller machines (ATMs) we are open do not own or operate will be delayed until the next business day, excluding $225 which will not be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than until the fifth business day following after the banking day on which date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA CHECK CARD, OUR AUDIO RESPONSE SYSTEM ("Phone Pal") AND OUR ONLINE BANKING SYSTEM (“Online Banking”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”). Electronic Funds transfers are electronically initiated transfers of money from your account through the electronic funds are depositedtransfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government governm ent checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited. Mobile Banking Deposits. Funds from deposits made via Mobile Deposit prior to 5:00pm CT on a business day that we are open will be delayed until the next business day. However, if you make a Mobile Deposit after 5:00pm CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Mobile Deposits are subject to longer hold times and delays. Electronic ACH Longer Availability. Electronic transfers depositing into the Account initiated through the Mobile App or Website may take up to five (5) business days from the date of the initial request but will generally post on the payment date of the deposit once the money has reached the Bank.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open: Funds from electronic direct deposits to your account Account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's, ’s traveler's, ’s and federal, state and local government checks will be available on eon the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may need to use a special deposit slip). The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth tenth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDEPOSITS AT NON-bank-branded ATMPROPRIETARY AUTOMATED TELLER MACHINES (ATMS). Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are open will be delayed until the next business day, excluding identified as our machines. DEPOSIT AT PROPRIETARY AUTOMATED TELLER MACHINES (ATMS). The first $225 which will of funds deposited at an ATM may be available on the same business dayday we receive your deposit. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made Except for deposits of checks drawn on the next business day we are open. Other ATMs Not Owned by nbkc bankU.S. Treasury. Funds from deposits made deposited at an ATM not owned and operated by nbkc bank will be made available no later MICHIGAN LEGACY CREDIT UNION ATMs (proprietary) of more than $225 are subject to a special two-business-day hold to enable the fifth Credit Union to verify the deposit. The special hold is automatically placed through the second (2nd) business day following the banking day of deposit such that you may have access to your funds on which the funds are depositedsecond (2nd) business day after the day of deposit. Some checks may take longer but you will be notified if the hold extends beyond this period.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth second business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $400.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 5:00 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds from the financial institutions upon which it is drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM OR MASTERMONEY CARD, OUR AUDIO RESPONSE SYSTEM ("PEARL"), OUR PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM (“VIRTUAL BRANCH®”) AND OUR ONLINE BANKING SYSTEM (“VIRTUAL BRANCH WITH PAYIT®”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”). Electronic Funds transfers are depositedelectronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

Special Rules for New Accounts. If you are a new customer, the following special rules will could apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For conditions – for example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits of checks drawn on nbkc bank less than $5,000 will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth fifth business day after the day of your deposit. ATM DepositsCheck Endorsement Standards Check endorsements are to be wholly contained on the back of the check confined to the area within 1/2” from each item’s trailing edge; i.e., the left edge of an item as you are looking at it from the front. There Failure to comply with these endorsement standards may be make you responsible for loss resulting from a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior return caused by endorsements that are not legible due to 4:00 PM CT on a business day that we are open will be delayed until the next business dayplacement of endorsement, excluding $225 which will be available or due to other printed or written text or numbers appearing on the same business dayback of the check. HoweverCollection of Checks Policy You appoint the Bank as your agent for the collection of checks, drafts, and other orders for the payment of money, including orders for payment in clearinghouse funds and wire transfers that the customer deposits with us. We will make the proceeds of these items available to the customer in accordance with our availability policy currently in effect. All credits for non-cash items received for deposit are provisional subject to final settlement. The Bank or any of its correspondents, as your agent for the customer, may accept the draft or credit of any bank or other payor in lieu of cash. The Bank will exercise ordinary care in the handling of items of deposit and withdrawal per the standards and procedures established for the transaction involved. Deposited Check Returns The Bank can charge back to your account any item deposited that is returned unpaid. We may do this even if you make an ATM deposit after 4:00 PM CT on a business day that we are openhave made withdrawals against those deposited checks. We may, we will consider that the deposit was made on the next business day we are openat our discretion, send checks for collection one or more times when they have been deposited to your account and returned unpaid. Other ATMs Not Owned by nbkc bankWe have no liability for resubmitting these checks without notice to you. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited.Member FDIC

Special Rules for New Accounts. If you are a new customer, the following special rules will could apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For conditions – for example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits of checks drawn on nbkc bank less than $5,525 will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth fifth business day after the day of your deposit. ATM DepositsCheck Endorsement Standards Check endorsements are to be wholly contained on the back of the check confined to the area within 1/2” from each item’s trailing edge; i.e., the left edge of an item as you are looking at it from the front. There Failure to comply with these endorsement standards may be make you responsible for loss resulting from a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior return caused by endorsements that are not legible due to 4:00 PM CT on a business day that we are open will be delayed until the next business dayplacement of endorsement, excluding $225 which will be available or due to other printed or written text or numbers appearing on the same business dayback of the check. HoweverCollection of Checks Policy You appoint the Bank as your agent for the collection of checks, drafts, and other orders for the payment of money, including orders for payment in clearinghouse funds and wire transfers that the customer deposits with us. We will make the proceeds of these items available to the customer in accordance with our availability policy currently in effect. All credits for non-cash items received for deposit are provisional subject to final settlement. The Bank or any of its correspondents, as your agent for the customer, may accept the draft or credit of any bank or other payor in lieu of cash. The Bank will exercise ordinary care in the handling of items of deposit and withdrawal per the standards and procedures established for the transaction involved. Deposited Check Returns The Bank can charge back to your account any item deposited that is returned unpaid. We may do this even if you make an ATM deposit after 4:00 PM CT on a business day that we are openhave made withdrawals against those deposited checks. We may, we will consider that at our discretion, send checks for collection one or more times when they have been deposited to your account and returned unpaid. We have no liability for resubmitting these checks without notice to you. See Fee Schedule for Personal Accounts for details regarding the deposit was made on the next business day we are openfee for this service. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited.Effective October 2020 | Member FDIC | Equal Housing Lender

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000.00 will be available on the second fifth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth fifth business day after the day of your deposit. ATM DepositsCash Withdrawal Limitation. There may be a delay between the time We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $400.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 5:30 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $450.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 4:30 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open: open (including deposits You make at Automated Teller Machines (ATMs) owned and operated by Philadelphia Federal Credit Union). Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will also be available on the first business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou (and You may have to use a special deposit slip). The excess over Funds from deposits of the first $5,525.00 5,000.00 of a day's total deposits of cashier's, certified, and teller's checks will be available on the second 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to You (and You may have to use a special deposit slip). The excess over $5,000.00 from deposits of traveler's checks, federal, state and local government checks, cashier's checks, certified checks, and teller's checks will be available on the 7th business day after the day of Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525.00 5,000.00 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 7th business day after the day of your Your deposit. ATM DepositsDEPOSITS AT ATMs. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding The first $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from 200.00 of deposits made at an ATM not owned and operated by nbkc bank ATMs each business day will be made available no later than for immediate withdrawal. The remainder of any such deposit(s) subject to delayed availability will become available for withdrawal on the fifth 2nd business day following after the banking day on which the funds are depositedof Your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from cash deposits and electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesat a branch, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the third business day after the date of your deposit. Deposits at Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate may not be available until the second business day after the date of your deposit. All ATMs that we own or operate are open identified as our machines. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed until for the next business daytime it takes us to collect the funds from the financial institutions upon which they are drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ). Electronic Funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, excluding each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part 1005, subpart B—Requirements for Remittance Transfers, and consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic transfer of funds of more than $225 15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be available on disclosed to you at the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we time such services are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned requested and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedrendered in accordance with applicable law.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and transfers or the first $5,525.00 5,000 of a day's ’s total deposits of U.S. Postal Money Orders, cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits of checks drawn on nbkc bank will may be available on the same held up to seven business day as days after the day of your deposit. Funds from all other check deposits Deposits at ATMs – Deposits made after the cut-off time indicated in our own automated teller machines (ATMs) will be considered as having been made on the following business day. Deposits made in our own ATMs will be available on the ninth second business day after the day we receive your deposit. Deposits (cash or checks) made at ATMs we do not own or operate, including ATMs operated by a shared branch or CO-OP, may not be available until the fifth business day after the day of your deposit. ATM DepositsAll ATMs that we own or operate are identified as our machines. Longer Delays May Apply – We may delay your ability to withdraw funds you deposit by check into your account an additional number of days for these reasons: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one (1) day. • You deposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There may be is an emergency, such as a failure of computer or communication equipment. We will notify you if we delay between your ability to withdraw funds for any of these reasons, and we will tell you when the time a deposit is made and when it funds will be available for withdrawalavailable. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open They will generally be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth seventh (7th) business day following after the banking day of your deposit. Endorsement Standards – The federal law dealing with funds availability requires the financial institution’s endorsement area on the back of a check be kept clear or unobstructed. This rule is designed to prevent unnecessary delays in processing your deposits as well as to promote speedier returns of dishonored checks. Only the 1-1/2 inch space from the “trailing edge” (the left edge of the check when it is facing you) can be used for endorsements or any other markings. We will not be responsible for any damages incurred in the event you deposit an item which is subsequently returned unpaid by the paying bank and that return is “late” due to markings on the check caused by you or a prior endorser on the back of the check. When you draw a check on your checking account with us, you are responsible for any delay or misrouting of the check caused by markings you placed on the check that obscure any depository endorsements placed by us or our agent and you agree to hold us harmless and indemnify us from any liability due to such delay or misrouting. If we cash a check for you that is drawn on another bank, we may 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.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsForeign Checks. There may Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be a delay between processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time a deposit it takes us to collect the funds from the financial institutions upon which it is made and when it will be available for withdrawaldrawn. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the third business day after the date of your deposit. This rule does not apply at ATMs that we are open will be delayed until the next business day, excluding $225 which will be available on the same business dayown or operate. However, if you make an ATM deposit after 4:00 PM CT on a business day All ATMs that we own or operate are openidentified as our machines. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ). Electronic Funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, we will consider that signing your Card, or using any service, each of you, jointly and severally, agree to the deposit was made on terms and conditions in this Agreement and any amendments for the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedEFT services offered.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first same business day after the day of that we receive your deposit if and the deposit meets certain conditions. For example, the checks must be payable to you. The excess over first $5,525.00 750.00 from a deposit of all other checks will be available on the same business day that we receive your deposit, and all remaining funds from a deposit of other checks will be available on the fifth business day after the date of your deposit. If your deposit of cashier’s, certified, teller’s, traveler’s, and federal (other than a U.S. Treasury check), state, and local government checks is not made in person to one of our employees, $750 will be available on the same business day that we receive your deposit and the next $6,750 will be available the second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first Any amounts over $5,525.00 7,500 will not be available until the second fifth business day after the day of your deposit. Funds from deposits A deposit of all other checks drawn on nbkc bank not made in person to one of our employees will be have the first $750 available on the same business day as the day of that we receive your deposit. Funds from , and all other check deposits remaining funds will be available on the ninth fifth business day after the date of your deposit. When a U.S. Treasury check is deposited at an ATM, funds will be made available the next business day after the day of your deposit. ATM DepositsLonger Delays May Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for any of these reasons: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $7,500 on any one (1) day; • You deposit a check that has been returned unpaid • You have overdrawn your account repeatedly in the last six (6) months; or, • There is an emergency, such as failure of communications or computer equipment. There may be a We will notify you if we delay between your ability to withdraw funds for any of these reasons and we will tell you when the time a deposit is made and when it funds will be available for withdrawalavailable. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open They will generally be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following after the banking day of your deposit. Foreign Checks Foreign Checks payable in U.S. Dollars. All U.S. dollar checks drawn on which foreign banks shall be held for a minimum of fifteen (15) business days, or as determined by the funds are deposited.branch office manager. Daily Withdrawal Limits Transactions Daily Limits* Automated Teller Machine(ATM) withdrawals Account Balance up to $1,000 Point of Sale (POS) PIN/Signature based Account Balance** V PAY Card (Euro Cash Card)- Point of Sale (POS) €1,000 (weekly limit)** Branch Office withdrawal - U.S. Dollars $5,000 Branch Office withdrawal - Euro €3,000 (overseas only) *Stricter limits may apply if card system is temporarily down. **Account balance includes Courtesy Pay if qualified and opted in. Refer to your V PAY Card Account Agreement and Disclosure Statement for additional disclosures. FM 11-01 3/2021 xxxxxxxxx.xxx

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's day of total deposits of cashier'scashiers, certified, teller'stellers, traveler'stravelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank JSC Federal Credit Union will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on not later than the ninth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made Deposits at Shared Branch Service Centers, ATMs and when it will be available for withdrawal. nbkc-bank-branded ATMForeign Checks. Funds from check deposits made in at a nbkc bank-branded ATM prior to 4:00 PM CT on a Shared Branch Service Center may not be available until the second business day that we are open depending on the type of check. However, the first $225 will be delayed until made available the next business day, excluding $225 which . Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a second business day after the day of deposit except that we U.S. Treasury checks that are openpayable to you will be available on the first business day after the day of deposit. Also, we the first $225 dollars of a deposit will consider that be available on the first business day after the day of deposit. Checks drawn on JSC Federal Credit Union will be available on the first business day after the day of deposit if the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits is made at an ATM located on our premises. Checks drawn on financial institutions located outside of the U.S. (foreign checks) cannot owned and operated by nbkc bank be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be made available no later than delayed for the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open: . Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 5,000 will be available on the second 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth 11th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a If You make an ATM deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT 2:30 p.m. PST on a business day that we We are open open, We will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of Your deposit. However, if you You make an ATM deposit after 4:00 PM CT 2:30 p.m. PST or on a business day that we We are not open, we We will consider that the deposit was made on the next business day we We are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 1st business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated by nbkc bank the Credit Union, deposits subject to delayed availability will be made become available no later than for withdrawal on the fifth 3rd business day following the banking day on which the funds of deposit. All ATMs that We own or operate are depositedidentified as Our machines.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open:  Funds from electronic direct deposits to into your account will be available on the day we receive the deposit.  Funds from deposits of cash, wire transfers, transfers and the first $5,525.00 5,525 of a day's ’s total deposits of cashier'scashiers, certified, teller'stellers, traveler's, travelers and federal, state and local government checks will be available on the first business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you.  The excess over $5,525.00 5,525 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit.  Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM DepositsOVERDRAFT/COURTESY PAY INFORMATION Courtesy Pay may provide certain account holders in “good standing” with the ability to overdraw their personal checking account. There Courtesy Pay offers additional flexibility and convenience in managing account holder funds, and provides peace of mind knowing that checks may be paid up to the authorized overdraft limit. Determination of Available Balance: Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account as of that time. Your available balance is the amount of funds in the account that are available to pay items presented against the account without incurring an overdraft or non-sufficient funds fee or requiring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that the Credit Union has authorized but that have not yet posted to your account. Order in Which Items Are Paid: In general, we pay items in the order in which they are received, irrespective of when you issued or authorized the item. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks in the same data file are processed in low to high dollar amounts. Checks presented for payment at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a delay between hold for an initially authorized amount, but the time transaction is submitted for a deposit is made different amount. Activity that may cause an insufficient balance: Insufficient balances may result from (1) Checks; (2) Automated Clearing House (ACH) debits such as online bill payment transactions; (3) Payments authorized by accountholder or other withdrawal requests; (4) Items deposited by the accountholder and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until returned unpaid by the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned paying institution; and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited(4) Imposition of service charges.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open: . Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 will be available on the second 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525.00 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 9th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a If You make an ATM deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT 5:00 p.m. on a business day that we We are open open, We will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of Your deposit. However, if you You make an ATM deposit after 4:00 PM CT 4:59 p.m. or on a business day that we We are not open, we We will consider that the deposit was made on the next business day we We are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the second business day following the day of deposit . For deposits made at Automated Teller Machines (ATMs) not owned and operated by nbkc bank the Credit Union, deposits subject to delayed availability will be made become available no later than for withdrawal on the fifth 5th business day following the banking day on which the funds of deposit. All ATMs that We own or operate are depositedidentified as Our machines.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: . • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits 5,000 of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first business day after of the day of your deposit if the deposit meets certain conditions. For criteria (for example, the checks check must be payable to you). The excess over $5,525.00 will 5,000 may not be available on until the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. • Funds from all other check deposits will may not be available on until the ninth business day after the day of your deposit. ATM Deposits. There may be a delay between Deposits at Automated Teller Machines (ATMs): The first $200 of the time a deposit is funds from any deposits (cash or checks) made and when it at ATMs we do not own or operate will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a the business day that you make the deposit, the rest of the funds will not be available until the fifth business day after the day of your deposit. If we are open own or operate the ATM the first $200 of the funds from any deposits (cash or check) made will be delayed available on the business day you make the deposit, the rest of the funds will not be available until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a funds may not be available until the second business day after the day of your deposit. To locate one of our ATMs visit xxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxx. Holds on Other Funds: Truth in Savings Disclosure The rates and terms applicable to your account with us are provided in this Truth-In-Savings Disclosure. We may offer other rates for these accounts from time to time. Except as specifically described, the following disclosures apply to all of the accounts. The Truth-In-Savings Act allows for the change in terms of share accounts as long as 30 day advance notice is given. Rate Information: The dividend rate and annual percentage yield on your accounts are set forth in the Rate Schedule as of the effective date shown. To view our most current rates visit our website at xxxxxxxxxxxxxxxxxx.xxx/xxxxx. We reserve the right to change the dividend rate and annual percentage yield at any time for all accounts except certificates. The rates are determined by the Management Asset Liability Committee (MALCO). All accounts except CashBack checking and Certificate accounts are tier rate accounts. The stated dividend rate that we corresponds to the applicable deposit tier will apply to the full balance in the account. For all certificate accounts except the Bump-Up certificate, the dividend rate and annual percentage yield are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned fixed and operated by nbkc bank will be made available no later than in effect for the fifth business day following term of the banking day on which the funds are depositedaccount.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. .The excess over $5,525.00 5,000 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM DepositsNext day availability is not required on “on us” checks or the first $200.00 of a days deposit. There may be a delay between the time a deposit is Fifth-day availability requirements do not apply. Deposits at Non Proprietary ATMs Deposits at automated teller machines (ATMs) we do not own or operate are not permitted. All ATMs that we own or operate are identified as our machines. Deposits at Proprietary ATMs Funds from any deposits (cash or checks) made at automated teller machines (ATMs) that we own and when it operate will not be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a until the second business day after the date of your deposit. Foreign Items Deposited items that we are open drawn on financial institutions outside the U.S., and not payable at or through a U.S. branch or correspondent financial institution will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than to you until we receive notification of payment. Substitute Checks A substitute check is a legally sanctioned document with all the fifth rights and obligations given to the original check written from your checkbook. Substitute checks are paper copies created from electronic images of original paper checks (front and back, with all endorsements). Each substitute check also includes a statement identifying it as a legal copy of the original check. Wire Transfers Funds to be sent as wire transfers may not be wired up to one business day following the banking day of request. Dividend Payment Policy Funds deposited into a dividend bearing account will begin to accrue dividends on which the day funds are deposited.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty - (30) days your account is open: . Funds received in cash or from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the The first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on by the first business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on by the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. US Treasury checkchecks) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on by the ninth business day after the day of your deposit. ATM DepositsDeposits At ATMS – Funds from any deposit (cash or checks) made at an automated teller machine (ATM), will not be available until the first business day after the date of your deposit. There may be a delay between the time a deposit is made and when it Funds deposited at nonproprietary automated teller machine (ATM) by cash or check, will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM withdrawal not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited. Foreign Checks – Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. Liability – Please be aware that even though a deposit has been accepted, funds have been made available to you, and you have withdrawn the funds, you are still responsible for the items deposited that are returned to MCU unpaid. Electronic Fund Transfer Agreement and Disclosure The Electronic Funds Transfer Agreement and Disclosure (Agreement) is the contract, which covers your and our rights and responsibilities concerning the electronic funds transfer (EFT) services offered to you by Marine Credit Union (Credit Union). Electronic fund transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions of this Agreement and any amendments for the EFT services offered. In this Agreement, the words “you and your” mean those who sign the application or account card as applicants, joint owners or any authorized users. The words “we, us, and our” mean the Credit Union. The word “account” means any one or more share or share draft accounts you have with the Credit Union.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. The Credit Union has one proprietary (privately owned) Automatic Teller Machine through which you can make withdrawals, inquiries, and transfers. The Credit Union also provides a "piggyback" ATM Depositsservice for qualifying members who have checking accounts with us. There may be This service is for withdrawals (Ohio & Nationwide) and deposits (Ohio only) to a delay between the time a deposit is made and when it member's checking or savings account only. "Longer delays" will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior apply to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from all deposits made at an any of the ATM machines which are used on our networks. Please refer to the LONGER DELAYS MAY APPLY section above. Credit Union ATM users may access their checking and savings funds using any of the Pulse, CIRRUS or MoneyPass ATM networks. If members deposit funds into their Credit Union accounts at any of these ATM's, that deposit, whether cash or check, may not owned and operated by nbkc bank will be made available no later than until the fifth business day following the banking day of deposit. Foreign Checks. Checks drawn on which financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD DEBIT CARD, OUR CALL-24 AUDIO RESPONSE SYSTEM AND OUR WEB-24 INTERNET BANKING, EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”). Electronic Funds transfers are depositedelectronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from cash deposits and electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000.00 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesat a branch, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the third business day after the date of your deposit. Deposits at Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate may not be available until the second business day after the date of your deposit. All ATMs that we own or operate are open identified as our machines. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed until for the next business daytime it takes us to collect the funds from the financial institutions upon which they are drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ). Electronic Funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, excluding each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part 1005, subpart B—Requirements for Remittance Transfers, and consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic transfer of funds of more than $225 15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be available on disclosed to you at the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we time such services are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned requested and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedrendered in accordance with applicable law.

Special Rules for New Accounts. If you are I am a new customer, the following special rules will apply during the first 30 days your my account is open: . Funds from electronic direct deposits to your my account will be available on the day we you receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme (and I may have to use a special deposit slip). The excess over $5,525.00 5,000 will be available on the second ninth business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your my deposit. Funds from all other check deposits will be available on the ninth eleventh business day after the day of your my deposit. ATM Deposits. There may be a delay between the time a deposit is Deposits at Automated Teller Machines (ATMs) Funds from any deposits (cash or checks) made and when it payable at ATMs you own or operate will be available for withdrawal. nbkc-bank-branded ATMgenerally on the second business day after the day of my deposit. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which at ATMs you do not own or operate will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day after the day of my deposit. All ATMs that you own or operate are identified as your machines. Cash Withdrawal Limitation You place certain limitations on withdrawals in cash. In general, $100 of a deposit is available for withdrawal in cash on the first business day after the day of deposit. Effective July 21, 2011, the first $200 of my deposits may be available on the first business day after the day of deposit. In addition, a total $400 of other funds becoming available on a given day is available for withdrawal in cash at or after 5:00 p.m. PST. Any remaining funds will be available for withdrawal in cash on the following the banking day on which the funds are depositedbusiness day.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 days your account is open: opened. Funds from electronic direct deposits to your account account, excluding External Funds Transfers, will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525.00 5,000 will be available on the second first business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on no later than the ninth business day second Business Day after the day of your deposit. ATM DepositsACKNOWLEDGMENT I acknowledge that I have read and or printed a copy of this Funds Availability Disclosure Agreement and agree to abide by the terms of the Agreement. There may Xxxxx Xxxxxxxxx Xxxxx Xxxxxxxxx (Nov 19, 2018) HEALTH SAVINGS ACCOUNT EXTERNAL FUNDS TRANSFER AGREEMENT ACCEPTANCE OF TERMS This Agreement sets out the terms and conditions (Terms) upon which Avidia Bank (Bank) will provide the ability to perform external funds transfers and serves as a legally binding agreement between you and the Bank. . If you do not accept and agree to all of the Terms, you will not be a delay between entitled to use the time a deposit external transfer funds feature. The Bank reserves the right to change the Terms, under which the external funds transfer feature is made and when it offered at any time; however, the Bank will be available for withdrawalnotify you of any material change to the Terms. nbkcIn most cases, you will receive the notice on-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until line the next business daytime you log in; however, excluding $225 which will be available on the same business dayBank reserves the right to notify you by e-mail or by conventional mail, in its discretion. However, You agree that if you make continue to use the external funds transfer feature after we notify you of any change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If at any time you wish to discontinue using the external funds transfer, you can unsubscribe by sending the Bank an ATM deposit after 4:00 PM CT on a business day that we are open, we e-mail to XXX@xxxxxxxxxx.xxx or call us at 0-000-000-0000. If your Bank account associated with an external transfer has been closed you will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available have no later than the fifth business day following the banking day on which the funds are depositedfurther right or access to use this feature.

Special Rules for New Accounts. If you are a new customer, the The following special rules will apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth eleventh business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that at automated teller machines (ATMs) we are open do not own or operate will be delayed until the next business day, excluding $225 which will not be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than until the fifth business day following after the banking day date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Foreign Checks. Checks drawn on which financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. Foreign checks are depositedsubject to a processing fee. Refer to the separate Rate and Fee Schedule for current fees. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD, DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("e-Voice"), ONLINE BANKING SYSTEM (“Silver Connect”) AND OUR XXXX PAY SERVICE (“e-Pay”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY. Electronic Funds Transfers (EFTs) are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

Special Rules for New Accounts. If you are I am a new customermember, the following special rules will apply during the first 30 thirty (30) days your that my account is open: opened. Funds from electronic direct deposits to your my account will be available on the day we you receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, and traveler's, ’s checks and federal, state state, and local government checks will be available on the first business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The me and the excess over of more than $5,525.00 5,000 will be available on the second ninth business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your my deposit. Funds from all other check deposits will be available on no later than the ninth business 30th calendar day after the day of your my deposit. ATM DepositsIn no event does the above policy affect your right to accept or reject an item for deposit or to require written notice of an intended withdrawal. There The above policy is subject to change upon fifteen (15) days’ written notice. Check Processing, including Check 21—Substitute Checks Checks, drafts, and other negotiable instruments, including substitute checks (collectively “checks”) deposited to my account or cashed, automated clearinghouse (ACH) entries, and all other types of external and book-entry funds transfers (checks and funds transfers collectively referred to herein as “items”) may be charged back against the account (or an account for split deposits) or any other account of mine with you if you are informed that the item is being or has been returned unpaid (or for checks drawn on other accounts with you, the check is dishonored by you for any reason), without regard to whether such return or dishonor is timely. When a delay between deposited or cashed item is returned, I will be charged a fee as disclosed in your Services and Schedule of Fees. You may charge my account whether or not the time check is returned to you and whether or not you can return the item or a copy to me. Even if you verify a deposited or cashed check and tell me that the check has been paid, that will not release my liability as an endorser. This right shall extend to any check or other item deposited into my account or cashed that is finally paid and then is returned because a claim is made that the check or other item was altered, forged, unauthorized, has a missing signature, or should not have been paid for any reason. In lieu of charging my account, you may withhold an amount equal to such check or other item from my account until a final determination of the validity of such claim has been made. You have no duty to return a check that has been charged back to an account if that account has become overdrawn. You are not required to give me next-day notice if a deposited or cashed item is dishonored. Any check deposited to my account that lacks an endorsement may be, or may be deemed to be, endorsed by you on my behalf with exception of government-issued checks. With respect to any such check, my rights and my liabilities shall be determined as though I actually endorsed and deposited the item. Further, any check deposited to my account that bears my stamped or facsimile endorsement shall be deemed to bear my actual endorsement whether such endorsement was affixed by me or by someone having no authority to supply my endorsement. I agree to assume responsibility for and to indemnify you for any loss you may incur as a result of my failure to comply with the endorsement standards set forth in this Agreement. If I deposit a remotely created check, I guarantee that the check was authorized by the account holder for payment in the amount shown. Remotely created checks are created when an account holder authorizes a payee to draw a check on the account, but instead of the account holder’s actual signature, the check identifies that the account holder authorized the check. You will accept deposits based solely on account numbers listed, and you are not responsible for verifying the name(s) listed on the checks or associated with the account. You may return or refuse to accept all or any part of a deposit is made or credit to my account at any time and when it will not be liable to me for doing so even if such action causes outstanding items to be dishonored and returned. Returned or refused deposits (or the legal equivalent of the deposited item) will be available for withdrawalreturned to me. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open In addition, I will be delayed until solely responsible for any loss or liability you sustain in connection with the deposit of substitute checks. You will not give me next-day notice of receipt of an electronic deposit to my account but will provide such notice to me on my next business dayperiodic account statement. I may call you to confirm an ACH or wire transfer deposit. Substitute Checks Federal law permits financial institutions to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states, excluding $225 which will be available on “This is a legal copy of my check. I can use it the same business dayway I would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that I receive back from you may be substitute checks. This notice describes rights I have when I receive substitute checks from you. The rights in this notice do not apply to original checks or to electronic debits to my account. However, I have rights under other laws with respect to those transactions. In certain cases, federal law provides a special procedure that allows me to request a refund for losses I suffer if a substitute check is posted to my account (for example, if I think that you withdrew the wrong amount from my account or that you withdrew money from my account more than once for the same check). The losses I may attempt to recover under this procedure may include the amount that was withdrawn from my account and fees that were charged as a result of the withdrawal (for example, overdraft check fees). The amount of my refund under this procedure is limited to the amount of my loss or the amount of the substitute check, whichever is less. I am entitled to dividends on the amount of my refunds if my account type earns dividends. If you use this procedure, I may receive up to $2,500 of my refund (plus dividends if my account earns dividends) within ten (10) business days after you received my claim and the remainder of my refund (plus dividends if my account earns dividends) not later than forty-five (45) calendar days after you received my claim. You may reverse the refund (including any dividends on the refund) if you later are able to demonstrate that the substitute check was correctly posted to my account. Making a Refund Claim If I believe that I have suffered a loss relating to a substitute check that you received and that was posted to my account, I should contact you at 800.XFCU.222 (000.000.0000). I must contact you within forty (40) calendar days of the date that you mailed (or otherwise delivered by a means to which I agreed) the substitute check in question or the account statement showing that the substitute check was posted to my account, whichever is later. You will extend this time period if I was not able to make an ATM a timely claim because of extraordinary circumstances. My Claim Must Include: • A description of why I have suffered a loss (for example, I think the amount withdrawn was incorrect). • An estimate of the amount of my loss. • An explanation of why the substitute check you received is insufficient to confirm that I suffered a loss. • Information to help you identify the substitute check: the check number, the name of the person to whom I wrote the check, and the amount of the check. My compliance with your endorsement standards is necessary to help assure that the checks you deposit after 4:00 PM CT will be cleared on a business day timely basis. Your endorsement standards are: • Member endorsements must be placed in the 11/2-inch area starting at the left side of the check. • The remaining area of the check cannot contain any preprinted, stamped, or handwritten member information. (The diagram below illustrates where the endorsements must appear to comply with these endorsement standards.) Record Retention You shall abide by federal and applicable state record retention laws and may dispose of any records that we are openhave been retained or preserved for the period set forth in these laws. Any action by or against me based on, we will consider or the determination of which would depend on, the contents of records for which a period of retention or preservation is set forth in these laws shall be brought within the time for which the record must be retained or preserved, unless applicable law provides a shorter limitation period. Any action against me on an automatically renewable share certificate account must be brought within the retention period applicable to that the deposit was made share certificate account based on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned stated maturity date in the most recent record evidencing the existence and operated by nbkc bank will be made available no later than term of the fifth business day following the banking day on which the funds are depositedshare certificate account.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on the second ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second (2nd) business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATMDeposits at Nonproprietary ATMs. Funds from check deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the third (3rd) business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are open identified as our machines. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. Mobile Deposits. Deposits made through True North Mobile Deposit are not subject to this Funds Availability Policy. The Credit Union may not make funds deposited by the mobile deposit service available to you until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedactually received by the Credit Union. See Mobile Deposit Services section for more information about this service. ELECTRONIC SERVICES AGREEMENT The following disclosures set forth your and our rights and responsibilities concerning the Electronic Services provided by the Credit Union. Electronic Services include: (i). Electronic funds transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at True North Federal Credit Union including eBanking and True North Mobile services, TruePay Bill Payment services, ATM & Check Cards and access devices, direct deposits, automated clearing house transactions (ACH), automated teller machines (ATMs), and telephone banking and (ii) Mobile Deposit Services.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a the day's ’s total deposits of cashier's’s, certified, teller'stellers, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkchecks) is not made in person to one of our employees, the first $5,525.00 5000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Nonproprietary ATMs. There may Funds from any deposits (cash or checks) made at an automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitation on withdrawals in cash. In general, $225.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. Any remaining funds up to $5,525.00 will be available for withdrawalwithdrawal in cash by the following business day, subject to branch cash availability. nbkc-bank-branded ATMTypically, the Credit Union will not allow cash withdrawals in excess for $5,000.00 on any given day for the safety and security of our members and employees. Funds Any funds above and beyond $5,000.00 that is withdrawn in cash must be order ahead of time and you must sign a Large Cash Waiver form. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institution upon which it is drawn.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on the second ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second (2nd) business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATMDeposits at Nonproprietary ATMs. Funds from check deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the third (3rd) business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are open identified as our machines. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. Mobile Deposits. Deposits made through True North Mobile Deposit are not subject to this Funds Availability Policy. The Credit Union may not make funds deposited by the mobile deposit service available to you until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedactually received by the Credit Union. See Mobile Deposit Services section for more information about this service.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $450.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 4:00 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525.00 5,000 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth eleventh (11) business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is Deposits at Automated Teller Machines Funds from any deposits (cash or checks) made and when it at automated teller machines (ATMs) we do not own or operate will not be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following after the banking day on which of your deposit. This rule does not apply at ATMs that we own or operate. 533 Xxxxxxxx Kansas City, MO 64106 816.221.2734 xxx.xxxxxxxxxxxx.xxx TRUTH-IN-SAVINGS DISCLOSURE The rates, fees and terms applicable to your account at the funds Credit Union are deposited.provided in this Truth-In-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time. Last Dividend Declaration Date: 03/31/2019 RATE SCHEDULE Account Type Membership/Primary Share Christmas Club Other Share Accounts Share Draft/Checking DIVIDENDS Dividend Rate/Annual Percentage Yield (APY) 100-9,999 - ,05 APY 10,000-999,999 - .10 APY 100-9,999 - ,05 APY 10,000-999,999 - .10 APY 100-9,999 - ,05 APY 10,000 - 999,999 - .10 APY No dividends paid Dividends Compounded: Dividends Credited Dividend Period Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Not applicable BALANCE REQUIREMENTS $5.00 Plus $5.00 One Time Fee Minimum Opening Deposit: Minimum Balance to Avoid a Service Fee: $5.00 plus active use of another service as outlined in the Fee Schedule or $100 if no additional service used. $5.00 None $5.00 None $25.00 No minimum unless no activity in the last 90 days and balance less than $25.00 Minimum Balance to Earn the Stated APY: $100.00 $100.00 $100.00 Not Applicable Balance Method to Calculate the Dividends: Average Daily Balance Average Daily Balance Average Daily Balance Not Applicable ACCOUNT LIMITATIONS (See Paragraph 6)

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $400.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash after closing the end of that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open: . Funds from electronic direct deposits and wire transfers to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cashcash will be available on the business day We receive the deposit if the deposit meets certain conditions. For example, wire transfersthe deposit must be made in person to one of Our employees. If Your deposit of cash is not made in person to one of Our employees, and the funds will not be available until the 1st business day after the day of Your deposit. Funds from deposits of the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 will be available on the second 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525.00 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 9th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM ATMs owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by nbkc bank the Credit Union, deposits will be made become available no later than for withdrawal on the fifth 5th business day following the banking day on which the funds of deposit. All ATMs that We own or operate are depositedidentified as Our machines.

Special Rules for New Accounts. If you are I am a new customermember, the following special rules will apply during the first 30 days your my account is open: . Funds from electronic direct deposits to your my account will be available on the day we you receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525.00 will be available on the second ninth business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525.00 will may not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your my deposit. Funds from all other check deposits will be available on the ninth business day after the day of your my deposit. ATM Deposits. There may be a delay between the time a deposit is Deposits at Automated Teller Machines (ATMs) Funds from any deposits (cash or checks) made and when it payable at ATMs you own or operate will be available for withdrawal. nbkc-bank-branded ATMgenerally on the second business day after the day of my deposit. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which at ATMs you do not own or operate will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day after the day of my deposit. All ATMs that you own or operate are identified as your machines. Cash Withdrawal Limitation You place certain limitations on withdrawals in cash. In general, $225 of a deposit is available for withdrawal in cash on the first business day after the day of deposit. In addition, a total $450 of other funds becoming available on a given day is available for withdrawal in cash at or after 5:00 p.m. (Pacific Time) on that day. Any remaining funds will be available for withdrawal in cash on the following the banking day on which the funds are depositedbusiness day.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth tenth business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time second business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. of 13 Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. Any remaining funds will be available for withdrawalwithdrawal in cash by the following business day. nbkc-bank-branded ATMForeign Checks. Funds Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from cash deposits and electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000.00 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesat a branch, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that at automated teller machines (ATMs) we are open do not own or operate will be delayed until the next business day, excluding $225 which will not be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than until the fifth business day following after the banking day on date of your deposit. This rule does not apply at ATM’s that we own or operate. All ATM’s that we own or operate are identified as our machines. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ). Electronic Funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part 1005, subpart B—Requirements for Remittance Transfers, and consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be disclosed to you at the funds time such services are depositedrequested and rendered in accordance with applicable law.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $400.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 4:30 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth fifth (5th) business day after the day of your deposit. ATM DepositsOTHER METHODS OF HOLDS ON FUNDS Holds on Other Funds (Check Cashing): If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. There may be a delay between the time a deposit is made and when it Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. Holds on Other Funds (Other Account): If we accept for withdrawaldeposit 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. nbkc-bank-branded ATM. Funds from deposits made The funds in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will the other account would then not be delayed available for withdrawal until the next business daytime periods that are described elsewhere in this disclosure for the type of check that you deposited. xxxxxxx federal credit union main office: 000 xxxx xxxxxx xxxxxx xxxxxxxx, excluding $225 which will be available xx 00000 mailing address: p.o. box 90667 pasadena, ca 91109-0667 (000) 000-0000 fax (000) 000-0000 toll-free in the united states (000) 000-0000 pars audio response: within 626 area code, (626) 440-pars (440-7277) outside 626 area code, toll-free, 0-000-000-0000 xxx.xxxxxxxxxx.xxx This brochure printed on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedrecycled paper with recyclable soy ink.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: . Funds from “electronic direct deposits fund transfers” to your account will may not be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available avail- able on the first “business day day” after the day of your deposit if the deposit deposits meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000.00 will be available on the second ninth “business day day” after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank 5,000.00 will be available on no later than the same second “business day as day” after the day of your deposit. Funds from all other check deposits will be available on no later than the ninth “business day day” after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply. Automated Teller Machines (ATM) And Funds Availability Financial Plus Credit Union owns and operates many of its own ATMs. These are clearly identified as Financial Plus Credit Union ATMs and can be found at any of our offices, in many of the General Motors facilities the Credit Union serves, and several retail sites. We will keep you informed of changes and additions to these locations. All deposits made into an ATM Deposits. There may be a delay between after 12:00 noon on weekdays and anytime on Saturdays, Sundays or holidays observed by the time a deposit is made and when it Credit Union will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until considered received the next “business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day ” we are open. Other Our policy is to allow availability of funds deposited into Financial Plus Credit Union’s ATMs Not Owned by nbkc bankthe next “business day” after we receive your deposit. Funds from deposits made at an ATM If you deposit funds into your Credit Union accounts through another ATM, one not owned and operated by nbkc bank will the Credit Union, whether cash or check, the funds may not be made available no later than the fifth for up to five “business day days” following the banking day of the deposit. However, all ATM deposits are subject to the same conditions and exceptions referred to in the “Longer Delays May Apply” and “Special Rules for New Accounts” sections of this Agreement. Our “business days” are Monday through Friday, excluding New Year’s Day, Xxxxxx Xxxxxx Xxxx, Xx. Day, President’s Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, the Friday after Thanksgiving Day, Christmas Day, and on which the funds are depositedlast weekday preceding Christmas and New Year’s Day, and on any day designated for their observance. If we change our “business days”, we will notify you of the change in advance.

Special Rules for New Accounts. If you are a new customerclient, the following special rules will may apply during the first 30 thirty (30) days your account is open: • Funds from electronic direct deposits, cash deposits made in-person, checks drawn on the Bank for which there are sufficient available funds on deposit, and wire transfers to your account will be available on the day we receive the deposit. • Funds from deposits of cashU.S. Treasury checks, wire transferschecks drawn on a Federal Reserve Bank or Federal Home Loan Bank, treasurer’s checks, certified checks, teller’s checks, money orders, traveler’s checks, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, Massachusets state and local government checks will be available on the first business day after xxxx the day of your deposit if the deposit meets certain conditions. For example, the checks check must be payable to you. The excess over • Funds from all other check deposits will have $5,525.00 500 available on the first business day xxxx the day of the deposit and the balance available on the fourth business day xxxx the day of the deposit. DEPOSITS AT ATM MACHINES We only allow deposits to be made at ATMs that we own or operate. Not all ATMs that we own or operate accept deposits. All ATMs that we own or operate are identified as our machines. Deposits made at an ATM are subject to verification and will not be available for immediate withdrawal. Cash, checks drawn on the Bank for which there are sufficient available funds on deposit, U.S. Treasury checks, checks drawn on a Federal Reserve Bank or Federal Home Loan Bank, cashier’s checks, certified checks, teller’s checks, money orders, traveler’s checks, and Massachusets state and local government checks will be available on the second first business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after xxxx the day of your deposit. Funds from any other deposits of checks drawn on nbkc bank made at our ATMs will be have $225 available on the same first business day as xxxx the day of your deposit. Funds from all other check deposits will be the deposit and the balance available on the ninth second business day after xxxx the day of your the deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we withdrawals are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedonly against collected funds.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $450.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 5:00 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first same business day after the day of that we receive your deposit if and the deposit meets certain conditions. For example, the checks must be payable to you. The excess over first $5,525.00 750.00 from a deposit of all other checks will be available on the second same business day that we receive your deposit, and all remaining funds from a deposit of other checks will be available on the fifth business day after the day date of your deposit. If your deposit of these checks cashier’s, certified, teller’s, traveler’s, and federal (other than a U.S. Treasury check) ), state, and local government checks is not made in person to one of our employees, the first $5,525.00 750 will not be available until on the same business day that we receive your deposit and the next $6,750 will be available the second business day after the date of your deposit. Any amounts over $7,500 will be available the fifth business day after the day of your deposit. Funds from deposits A deposit of all other checks drawn on nbkc bank not made in person to one of our employees will be have the first $750 available on the same business day as the day of that we receive your deposit. Funds from , and all other check deposits remaining funds will be available on the ninth fifth business day after the day date of your deposit. ATM Deposits. There may be When a delay between the time a deposit U.S. Treasury check is made and when it deposited at an ATM, funds will be made available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day after the date of your deposit. Longer Delays May Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for any of these reasons: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $7,500 on any one (1) day; • You deposit a check that has been returned unpaid • You have overdrawn your account repeatedly in the last six (6) months; or, • There is an emergency, such as failure of communications or computer equipment. We will notify you if we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned delay your ability to withdraw funds for any of these reasons and operated by nbkc bank we will tell you when the funds will be made available. They will generally be available no later than the fifth business day following after the banking day date of your deposit. Foreign Checks • Foreign Checks payable in U.S. Dollars. All U.S. dollar checks drawn on which foreign banks shall be held for a minimum of fifteen (15) business days, or as determined by the funds are deposited.branch office manager. Daily Withdrawal Limits Transactions Daily Limits* Automated Teller Machine (ATM) withdrawals Account Balance up to $1,000 Point of Sale (POS) PIN/Signature based Account Balance** V PAY Card (Euro Cash Card)- Point of Sale (POS) €1,000 (weekly limit)** Branch Office withdrawal - U.S. Dollars $5,000 Branch Office withdrawal - Euro €3,000 (overseas only) *Stricter limits may apply if card system is temporarily down. **Account balance includes Courtesy Pay if qualified and opted in. Refer to your V PAY Card Account Agreement and Disclosure Statement for additional disclosures. FM 11-01 4/2022 xxxxxxxxx.xxx

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cashU.S. Treasury checks, wire transfersUSPS money orders, cashier Federal Home Loan Bank checks, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be are available on the first day the Credit Union receives the transfer. Funds from all other checks are available on the 9th business day after the day of your deposit deposit. Holds on Other Funds institution, we may 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. institution, we may make funds from the deposit meets certain conditionsavailable for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. For exampleThe 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.‌ Deposits at Nonproprietary ATMs Under the Expedited Funds Availability Act (Reg. CC), funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate would not be available until the fifth business day after the date of your deposit. As a benefit of being a member of USPS FCU, the checks must be payable to you. The excess over first $5,525.00 200 of your deposit will become available on the next business day and the remaining deposit will be available on the second business day after the day date of your deposit. If your deposit of these checks (other than a U.S. Treasury check) This benefit is not made in person subject to one of our employees, the change at any time. Deposits at Proprietary ATMs The first $5,525.00 200 of the funds (cash or checks) deposited at automated teller machines (ATMs) we own and operate will not be available until on the next business day and the remaining deposit will be available on the second business day after the day date of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same All deposited items defined as Same Day Availability Items in this disclosure receive next day business day as the day of your depositavailability. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited.Special Situations

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first same business day after the day of that we receive your deposit if and the deposit meets certain conditions. For example, the checks must be payable to you. The excess over first $5,525.00 750.00 from a deposit of all other checks will be available on the same business day that we receive your deposit, and all remaining funds from a deposit of other checks will be available on the fifth business day after the date of your deposit. If your deposit of cashier’s, certified, teller’s, traveler’s, and federal (other than a U.S. Treasury check), state, and local government checks is not made in person to one of our employees, $750 will be available on the same business day that we receive your deposit and the next $6,750 will be available the second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first Any amounts over $5,525.00 7,500 will not be available until the second fifth business day after the day of your deposit. Funds from deposits A deposit of all other checks drawn on nbkc bank not made in person to one of our employees will be have the first $750 available on the same business day as the day of that we receive your deposit. Funds from , and all other check deposits remaining funds will be available on the ninth fifth business day after the date of your deposit. When a U.S. Treasury check is deposited at an ATM, funds will be made available the next business day after the day of your deposit. ATM DepositsLonger Delays May Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for any of these reasons: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $7,500 on any one (1) day; • You deposit a check that has been returned unpaid • You have overdrawn your account repeatedly in the last six (6) months; or, • There is an emergency, such as failure of communications or computer equipment. There may be a We will notify you if we delay between your ability to withdraw funds for any of these reasons and we will tell you when the time a deposit is made and when it funds will be available for withdrawalavailable. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open They will generally be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following after the banking day of your deposit. Foreign Checks • Foreign Checks payable in U.S. Dollars. All U.S. dollar checks drawn on which foreign banks shall be held for a minimum of fifteen (15) business days, or as determined by the funds are deposited.branch office manager. Daily Withdrawal Limits Transactions Daily Limits* Automated Teller Machine(ATM) withdrawals Account Balance up to $1,000 Point of Sale (POS) PIN/Signature based Account Balance** V PAY Card (Euro Cash Card)- Point of Sale (POS) €1,000 (weekly limit)** Branch Office withdrawal - U.S. Dollars $5,000 Branch Office withdrawal - Euro €3,000 (overseas only) *Stricter limits may apply if card system is temporarily down. **Account balance includes Courtesy Pay if qualified and opted in. Refer to your V PAY Card Account Agreement and Disclosure Statement for additional disclosures. FM 11-01w 8/2021 xxxxxxxxx.xxx

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open: Funds from electronic direct deposits to your account Account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's, ’s traveler's, ’s and federal, state and local government checks will be available on eon the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may need to use a special deposit slip). The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth tenth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDEPOSITS AT NON-bank-branded ATMPROPRIETARY AUTOMATED TELLER MACHINES (ATMS). Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are open will be delayed until the next business day, excluding identified as our machines. DEPOSIT AT PROPRIETARY AUTOMATED TELLER MACHINES (ATMS). The first $225 which will 200 of funds deposited at an ATM may be available on the same business dayday we receive your deposit. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made Except for deposits of checks drawn on the next business day we are open. Other ATMs Not Owned by nbkc bankU.S. Treasury. Funds from deposits made deposited at an ATM not owned and operated by nbkc bank will be made available no later MICHIGAN LEGACY CREDIT UNION ATMs (proprietary) of more than $200 are subject to a special two-business-day hold to enable the fifth Credit Union to verify the deposit. The special hold is automatically placed through the second (2nd) business day following the banking day of deposit such that you may have access to your funds on which the funds are depositedsecond (2nd) business day after the day of deposit. Some checks may take longer but you will be notified if the hold extends beyond this period.

Special Rules for New Accounts. If you You are a new customermember, the following special rules followingspecialrules will apply during applyduring the first 30 days your account Your Account is open: . Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, ,the checks must be mustbe payable to youYou. The excess over $5,525.00 5,525 will be available on the second business day after 9th businessdayafter the day of your Your deposit. If your Your deposit of these checks (other than otherthan a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second 2nd business day after dayafter the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 9th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a If You make an ATM deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT 3:00 p.m. PST on a business day that we We are open open, We will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of Your deposit. However, if you You make an ATM deposit after 4:00 PM CT 3:00 p.m. PST or on a business day that we We are not open, we We will consider that the deposit was made on the next business day we We are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 1st business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated by nbkc bank bythe Credit Union, deposits subject to delayed availability will be made become available no later than for withdrawal on the fifth 5th business dayfollowing the day following the banking day on which the funds of deposit. All ATMs that We own or operate are depositedidentified as Our machines.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 5,000.00 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth fifth business day after the day of your deposit. The Credit Union has one proprietary (privately owned) Automatic Teller Machine through which you can make withdrawals, inquiries, and transfers. The Credit Union also provides a "piggyback" ATM Depositsservice for qualifying members who have checking accounts with us. There may be This service is for withdrawals (Ohio & Nationwide) and deposits (Ohio only) to a delay between the time a deposit is made and when it member's checking or savings account only. "Longer delays" will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior apply to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from all deposits made at an any of the ATM machines which are used on our networks. Please refer to the LONGER DELAYS MAY APPLY section above. Credit Union ATM users may access their checking and savings funds using any of the Pulse, Plus or MoneyPass ATM networks. If members deposit funds into their Credit Union accounts at any of these ATM's, that deposit, whether cash or check, may not owned and operated by nbkc bank will be made available no later than until the fifth business day following the banking day of deposit. Foreign Checks. Checks drawn on which financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA CHECK CARD, OUR CALL-24 AUDIO RESPONSE SYSTEM AND OUR WEB- 24 INTERNET BANKING, EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”). Electronic Funds transfers are depositedelectronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your Card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a the day's ’s total deposits of cashier's’s, certified, teller'stellers, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkchecks) is not made in person to one of our employees, the first $5,525.00 5000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Nonproprietary ATMs. There may Funds from any deposits (cash or checks) made at an automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitation on withdrawals in cash. In general, $225.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. Any remaining funds up to $5,525.00 will be available for withdrawalwithdrawal in cash by the following business day, subject to branch cash availability. nbkc-bank-branded ATMTypically, the Credit Union will not allow cash withdrawals in excess for $5,000.00 on any given day for the safety and security of our members and employees. Funds Any funds above and beyond $5,000.00 that is withdrawn in cash must be order ahead of time and you must sign a Large Cash Waiver form. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business daytime it takes us to collect the funds from the financial institution upon which it is drawn. Truth in Savings Disclosure – Share Savings, excluding $225 which will Special Share Savings, Money Markets, & Share Draft Checking Rate Information The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be available paid on an account based on the same business daydividend rate and frequency of compounding for an annual period. HoweverFor Regular Share Savings and Special Savings Accounts, if you make an ATM deposit after 4:00 PM CT on a business day that we and Genesis Savings Accounts, the Dividend Rate and Annual Percentage Yield may change quarterly, as determined by the Credit Union’s Management. For High Yield Checking, 60+ Checking, and Money Market Accounts, the Dividend Rate and Annual Percentage Yield may change monthly, as determined by the Credit Union’s Management. For Christmas Club and Vacation Club Accounts the Dividend Rate and, Annual Percentage Yield may change annually as determined by the Credit Union’s Management. Student Checking, Totally Free Checking Accounts are open, we will consider not dividend bearing accounts. The Dividend Rates and Annual Percentage Yields are prospective the rates and yields that the deposit was made Credit Union anticipates paying for the applicable dividend period. The Regular Share Savings Account, Special Savings Account, Money Market Account, High Yield and 60+ Checking account are tiered-rate accounts. Once a particular balance range is met, the Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account unless your balance is reduced to a lower balance range. The High Yield Checking Account is also a tiered-rate account; however, the dividend rates displayed in the Rate Schedule will only be applied to the portion of your average daily balance that falls within the corresponding balance range. Balance ranges for each of the aforementioned accounts are set forth in the Rate Schedule. For Christmas and Vacation Club Accounts, you will not earn dividends on balances that exceed $5,000.00. For High Yield Checking account(s), you will only earn dividends on balances between $2,500 - $15,000. For Genesis Savings, The accountholder must be between the ages 5 and 22. You will not earn dividends on balances that exceed $5,000.00. At age 23, the youth account will earn the daily dividend rate as determined on the next business day we are openRegular Share Savings Account on the entire balance. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned Once a particular balance range is met, the Rate and operated by nbkc bank Annual Percentage Yield for that balance range will be made available no later than apply to the fifth business day following the banking day full balance on which the funds are depositedyour account unless your balance is reduced to a lower balance range.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second nine (9) business day days after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second two (2) business day days after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth nine (9) business day days after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATMDeposits at Nonproprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until five (5) business days after the day of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are open identified accordingly. Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed until for the next business day, excluding $225 time it takes us to collect the funds from the financial institution upon which it is drawn. Remote Deposits. Funds from items deposited through the Service will be available on the same business dayday the item is cleared by the payor Credit Union and the Credit Union has been given credit. HoweverFor purposes of determining the cut-off period for deposits and the availability of funds, if you make an ATM deposit after 4:00 PM CT on a business day that we checks deposited via Remote Deposit session are open, we will consider considered received by the Credit Union when the checks have cleared and funds are available to the Credit Union. You agree that the deposit was made on imaging and transmitting of checks alone does not constitute receipt by Credit Union. Also, acknowledgment of receipt or delivery does not constitute an acknowledgment by Credit Union that the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM transmission of a check or items does not owned and operated by nbkc bank contain errors or that funds will be made available no later than the fifth business day following the banking day on which the funds are depositedavailable. Arizona State Credit Union Business Membership 0000 X. Xxxxxxxx Xxxx Xx., Xxxxxxx XX 00000-0000 Online Banking & Mobile 000.000.0000 • xxx.xxxxxx.xxx Banking Agreement

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 90 days your account is open:  The first $5,525 from a deposit of US Treasury checks will be available on the first business day after the day of your deposit. The excess over $5,525 will be available on the second business day after the day of your deposit. Funds from electronic direct deposits to wire transfers into your account will be available on the first business day after the day we receive the deposittransfer.  Funds from deposits of cash, wire transfers, cash and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on the second seventh business day after the day of your deposit. If your you do not make the deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesa Credit Union employee, the first $5,525.00 5,52 will not be available until the second business day after the day of your deposit.  Funds from deposits of checks share drafts drawn on nbkc bank this Credit Union will be available on the same business day as the day of your deposit.  Funds from all other share draft or check deposits will be available on not later than the ninth seventh business day after the day of your deposit. ATM DepositsForeign Checks: Checks drawn on financial institutions located outside the US (foreign checks) cannot be processed the same as checks drawn on US financial institutions. There may be a delay between Foreign checks are exempt from the time a deposit is made and when it will be available policies outlined in this disclosure. Generally, the availability of funds for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 time it takes us to collect the funds from the financial institution upon which it is drawn. The final settlement amount of the check may be affected by currency exchange rates. Any difference will be available deposited or withdrawn from your account. Digital Access for Accounts The following features and services are provided to allow access to your accounts outside of our regular business hours and from remote locations:  ACH, Direct Deposit, Electronic Funds Transfers  Bill Pay  CU24 Visa Debit Card  CUe-Statement  Online Anytime (including Mobile Banking)  Remote Deposit Capture  Shared Branching  Telephone Access Enrollment: Self-enrollment in digital services is provided through the credit union website and mobile app. By enrolling in Online Anytime banking, I accept and agree to abide by the terms and conditions of the Online Banking Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above. If enrolling in Electronic Bill Payment (EBP), I accept and agree to abide by the terms of the Bill Pay Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above. I authorize the Credit Union to post EBP transactions to the account indicated on the same electronic enrollment form. If, at any time, I decide to discontinue the service, I will provide written notification to NDFCU. My use of EBP signifies that I have read and accepted all the terms and conditions of EBP service. I understand that payments take an average of 7 business daydays to reach the payee, and that payments may be made electronically or by mail. HoweverThe Credit Union is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to a lack of sufficient funds, if you make an ATM deposit after 4:00 PM CT on a business day Stop Payment fee, or other conditions that we are open, we will consider may prevent the withdrawal of the funds from my account. I agree that the deposit was made on credit union may assess an inactivity fee each month if I do not pay a bill with it for three consecutive months. If enrolling in CUe-Statement, I accept and agree to abide by the next business day we are openterms of the CUe-Statement Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above. Other ATMs Not Owned by nbkc bankI authorize the Credit Union to discontinue sending me statements via postal mail service. Funds from deposits made at an ATM not owned and operated by nbkc bank I understand that my electronic statement information will be made available no later than to me via the fifth business day following Internet through a secure user code/password login authentication. If enrolling in Mobile Banking, I accept and agree to abide by the banking day on which terms and conditions of the funds are depositedMobile Banking Services Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above.

Special Rules for New Accounts. If you are a new customer, the following special rules will could apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For conditions – for example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits of checks drawn on nbkc bank less than $5,525 will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth fifth business day after the day of your deposit. ATM DepositsCheck Endorsement Standards Check endorsements are to be wholly contained on the back of the check confined to the area within 1/2” from each item’s trailing edge; i.e., the left edge of an item as you are looking at it from the front. There Failure to comply with these endorsement standards may be make you responsible for loss resulting from a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior return caused by endorsements that are not legible due to 4:00 PM CT on a business day that we are open will be delayed until the next business dayplacement of endorsement, excluding $225 which will be available or due to other printed or written text or numbers appearing on the same business dayback of the check. HoweverCollection of Checks Policy You appoint the Bank as your agent for the collection of checks, drafts, and other orders for the payment of money, including orders for payment in clearinghouse funds and wire transfers that the customer deposits with us. We will make the proceeds of these items available to the customer in accordance with our availability policy currently in effect. All credits for non-cash items received for deposit are provisional subject to final settlement. The Bank or any of its correspondents, as your agent for the customer, may accept the draft or credit of any bank or other payor in lieu of cash. The Bank will exercise ordinary care in the handling of items of deposit and withdrawal per the standards and procedures established for the transaction involved. Deposited Check Returns The Bank can charge back to your account any item deposited that is returned unpaid. We may do this even if you make an ATM deposit after 4:00 PM CT on a business day that we are openhave made withdrawals against those deposited checks. We may, we will consider that the deposit was made on the next business day we are openat our discretion, send checks for collection one or more times when they have been deposited to your account and returned unpaid. Other ATMs Not Owned by nbkc bankWe have no liability for resubmitting these checks without notice to you. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are deposited.Member FDIC

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account Your Account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's, traveler'stravelers, and federal, state and local government checks will be available on the first business next Business day after the day of your Your deposit if the that deposit meets certain conditions. For example, the checks must be are payable to youYou. The excess over $5,525.00 5,525 will be available on the second business ninth (9th) Business day after the day of your Your deposit. • If your Your deposit of these checks (other than a U.S. Treasury checkcheck payable to You) is not made in person to one of our Our employees, the first $5,525.00 5,525 will not be available until the second business (2nd) Business day after the day of your Your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. • Funds from all other check deposits checks will be available on no later than the ninth business (9th) Business day after the day of your Your deposit. ATM DepositsNon-Proprietary and Proprietary ATMs. There may be a delay between the time a deposit is *Non-Proprietary (aka “Foreign ATMs”) and Proprietary ATMs Non-Proprietary ATMs are machines that We do not own or operate. Deposits made and when it in cash or check at non-proprietary ATMs will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business 5th Business day following after the banking day on which of the deposit. No funds are deposited.made available until the hold is released. Proprietary ATMs are owned and operated by NASA Federal Credit Union and Our name is displayed on the ATM. Deposits made at Proprietary ATMs will generally be available on the second Business day after the day of deposit. When depositing or cashing a check, please note:

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open: . Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 5,000.00 will be available on the second 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525.00 5,000.00 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 9th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a If You make an ATM deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT 5:00 p.m. on a business day that we We are open open, We will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of Your deposit. However, if you You make an ATM deposit after 4:00 PM CT 4:59 p.m. or on a business day that we We are not open, we We will consider that the deposit was made on the next business day we We are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the second business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated by nbkc bank the Credit Union, deposits subject to delayed availability will be made become available no later than for withdrawal on the fifth 5th business day following the banking day on which the funds of deposit. All ATMs that We own or operate are depositedidentified as Our machines.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your Your account is open: . Funds from electronic direct deposits to your Your account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's total deposits of U.S. Postal Service money orders, cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 5,000.00 will be available on the second 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525.00 5,000.00 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 9th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a If You make an ATM deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT 3:00 p.m. on a business day that we We are open open, We will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of Your deposit. However, if you You make an ATM deposit after 4:00 PM CT 3:00 p.m. or on a business day that we We are not open, we We will consider that the deposit was made on the next business day we We are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM Automated Teller Machines (ATMs) owned and operated by WyHy Federal Credit Union, deposits subject to delayed availability will become available for withdrawal on the 1st business day after the day of deposit for United States Treasury checks that are payable to you and checks drawn on the Credit Union, or on the 2nd business day after the day of deposit for all other deposits. However, the first $200.00 of Your deposit will be available on the 1st business day following the day of Your deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated by nbkc bank WyHy Federal Credit Union, deposits subject to delayed availability will be made become available no later than for withdrawal on the fifth 2nd business day following after the banking day on which the funds are deposited.of deposit. FUNDS AVAILABILITY POLICY DISCLOSURE (continued)

Special Rules for New Accounts. If you are a new customerclient, the following special rules will may apply during the first 30 days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youdeposit. The excess over $5,525.00 5,525 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. • Funds from all other check deposits will be available on the ninth business day after the day of we receive your deposit. OVERDRAFTS If you do not have sufficient available funds on deposit to cover the amount of a check or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we may return the check or reject the transaction without payment. Our policy is to decline to process any ATM Deposits. There may be a delay between withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that your account has insufficient funds to cover the transaction. With regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same day that an item or transaction creates an overdraft (a “temporary” or “intraday overdraft”), we may charge the fee for the overdraft since the covering deposit may not be posted until the end of the business day. We may also impose a fee for overdrafts created by deposited items that are returned. See our Business Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to drop below zero, you agree to pay the amount of the overdraft promptly, without notice or demand from us. You agree that we may use subsequent deposits and other credits to the account, including without limitation deposits of government, welfare, retirement and Social Security benefits, to cover any overdraft existing in your account, to the fullest extent permitted by law. Each account owner is jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. BUSINESS BANKING FEE SCHEDULE ESCROW ACCOUNT SERVICE Manage multiple client interest-bearing savings accounts linked to one master checking account. SUMSM PROGRAM Cambridge Trust Company is a member of the SUMSM Program. Additional ATM surcharges will not be imposed on Cambridge Trust clients who use their cards at SUM- designated ATMs. However, if you make Cambridge Trust does impose an ATM deposit after 4:00 PM CT on a business day that we fee for transactions at non-Cambridge Trust Company ATMs except where otherwise noted. INCOMING WIRE INSTRUCTIONS Wire to: Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX ABA Routing Number: 0000-0000-0 SWIFT Code: XXXXXX00 For Credit To: Provide client name and account number OTHER FEES Business ATM and debit card fees: ATM Transactions at non-Cambridge Trust ATM’s $1 Debit cash advance $1 Debit replacement card $7.50 Deposited item returned unpaid $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Collection item - Canadian variable Collection item - other $30 Interim statement $25 Duplicate paper Statement Instruction $2.50 monthly, per account International mailing address instruction $5 paper statements, monthly, per account Stop payment Manual $30 BizBanker $25 Treasurer’s check: Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to $50 Access to bulk storage (per visit) $10 Wire transfer Outgoing domestic Manual $30 BizBanker $20 Incoming domestic $12 Incoming international $12 Outgoing internationalManual $45 BizBanker $35 International draft $40 Draw Down Wire Transfer $35 Paper Statement instruction fee $3 (Waived when you enroll in Online Banking with eStatements.) Account closing early (within six months of opening) $50 Bond coupons returned unpaid $20 Check printing variable Stand-by Letter of Credit Opening Fee (one time fee) $150 Annual Fee Secured Greater of 2% of SBLC amount or $150 Unsecured Greater or 3% of SBLC amount or $150 Amendment Fee $50 Zero Balance Account $30 Additional Accounts $15 ACH Return $2.50 ACH Notification of Change $2.50 Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 Sweep $150 PREMIUM BIZBANKER FEES - ONLINE BANKING Monthly maintenance fee $55 OPTIONAL SERVICES: ACH originated $.22 per item Remote Deposit Capture $75 Positive Pay ACH Positive Pay Maintenance per account $20 Check Basic Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.07 Check Payee Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.10 ACH Addenda Report $25/Account/ Month Premium Service with bill payment utilizes enhanced security with token authentication technology. A set-up fee of $50 per user applies. Additional Cash Management services are open, we will consider that the deposit was made on the next business day we are openavailable and certain fees may apply. Contact your Relationship Manager for more information. For additional services refer to Other ATMs Not Owned by nbkc bankFees. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later BASIC BIZBANKER FEES - ONLINE BANKING Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month access for more than the fifth business day following the banking day on which the funds are deposited.three accounts The Fee Schedule is part of your Account Agreement. BIZBANKER SERVICE AGREEMENT

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 90 days your account is open:  The first $5,525 from a deposit of US Treasury checks will be available on the first business day after the day of your deposit. The excess over $5,525 will be available on the second business day after the day of your deposit. Funds from electronic direct deposits to wire transfers into your account will be available on the first business day after the day we receive the deposittransfer.  Funds from deposits of cash, wire transfers, cash and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,525 will be available on the second seventh business day after the day of your deposit. If your you do not make the deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesa Credit Union employee, the first $5,525.00 5,525 will not be available until the second business day after the day of your deposit.  Funds from deposits of checks share drafts drawn on nbkc bank this Credit Union will be available on the same business day as the day of your deposit.  Funds from all other share draft or check deposits will be available on not later than the ninth seventh business day after the day of your deposit. ATM DepositsForeign Checks: Checks drawn on financial institutions located outside the US (foreign checks) cannot be processed the same as checks drawn on US financial institutions. There may be a delay between Foreign checks are exempt from the time a deposit is made and when it will be available policies outlined in this disclosure. Generally, the availability of funds for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 time it takes us to collect the funds from the financial institution upon which it is drawn. The final settlement amount of the check may be affected by currency exchange rates. Any difference will be available deposited or withdrawn from your account. Digital Access for Accounts The following features and services are provided to allow access to your accounts outside of our regular business hours and from remote locations:  ACH, Direct Deposit, Electronic Funds Transfers  Bill Pay  CU24 Visa Debit Card  CUe-Statement  Online Anytime (including Mobile Banking)  Remote Deposit Capture  Shared Branching  Telephone Access Enrollment: Self-enrollment in digital services is provided through the credit union website and mobile app. By enrolling in Online Anytime banking, I accept and agree to abide by the terms and conditions of the Online Banking Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above. If enrolling in Electronic Bill Payment (EBP), I accept and agree to abide by the terms of the Bill Pay Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above. I authorize the Credit Union to post EBP transactions to the account indicated on the same electronic enrollment form. If, at any time, I decide to discontinue the service, I will provide written notification to NDFCU. My use of EBP signifies that I have read and accepted all the terms and conditions of EBP service. I understand that payments take an average of 7 business daydays to reach the payee, and that payments may be made electronically or by mail. HoweverThe Credit Union is not liable for any service fees or late charges levied against me. I also understand that I am responsible for any loss or penalty that I may incur due to a lack of sufficient funds, if you make an ATM deposit after 4:00 PM CT on a business day Stop Payment fee, or other conditions that we are open, we will consider may prevent the withdrawal of the funds from my account. I agree that the deposit was made on credit union may assess an inactivity fee each month if I do not pay a bill with it for three consecutive months. If enrolling in CUe-Statement, I accept and agree to abide by the next business day we are openterms of the CUe-Statement Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above. Other ATMs Not Owned by nbkc bankI authorize the Credit Union to discontinue sending me statements via postal mail service. Funds from deposits made at an ATM not owned and operated by nbkc bank I understand that my electronic statement information will be made available no later than to me via the fifth business day following Internet through a secure user code/password login authentication. If enrolling in Mobile Banking, I accept and agree to abide by the banking day on which terms and conditions of the funds are depositedMobile Banking Services Agreement and Disclosure as modified from time to time by the Credit Union; and I will provide a copy of that Agreement to each of the Joint Owners referenced above.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open: Funds from electronic direct deposits to your account Account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's, ’s traveler's, ’s and federal, state and local government checks will be available on eon the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may need to use a special deposit slip). The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth tenth business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDEPOSITS AT NON-bank-branded ATMPROPRIETARY AUTOMATED TELLER MACHINES (ATMS). Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are open will be delayed until the next business day, excluding identified as our machines. DEPOSIT AT PROPRIETARY AUTOMATED TELLER MACHINES (ATMS). The first $225 which will 200 of funds deposited at an ATM may be available on the same business dayday we receive your deposit. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made Except for deposits of checks drawn on the next business day we are open. Other ATMs Not Owned by nbkc bankU.S. Treasury. Funds from deposits made deposited at an ATM not owned and operated by nbkc bank will be made available no later MICHIGAN LEGACY CREDIT UNION ATMs (proprietary) of more than $225 are subject to a special two-business-day hold to enable the fifth Credit Union to verify the deposit. The special hold is automatically placed through the second (2nd) business day following the banking day of deposit such that you may have access to your funds on which the funds are depositedsecond (2nd) business day after the day of deposit. Some checks may take longer but you will be notified if the hold extends beyond this period.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and transfers or the first $5,525.00 5,000 of a day's ’s total deposits of U.S. Postal Money Orders, cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second -ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits of checks drawn on nbkc bank will may be available on the same held up to seven business day as days after the day of your deposit. Funds from all other check deposits Deposits at ATMs – Deposits made after the cut-off time indicated in our own automated teller machines (ATMs) will be considered as having been made on the following business day. Deposits made in our own ATMs will be available on the ninth second business day after the day we receive your deposit. Deposits (cash or checks) made at ATMs we do not own or operate, including ATMs operated by a shared branch or CO-OP, may not be available until the fifth business day after the day of your deposit. ATM DepositsAll ATMs that we own or operate are identified as our machines. Longer Delays May Apply – We may delay your ability to withdraw funds you deposit by check into your account an additional number of days for these reasons: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one (1) day. • You deposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There may be is an emergency, such as a failure of computer or communication equipment. We will notify you if we delay between your ability to withdraw funds for any of these reasons, and we will tell you when the time a deposit is made and when it funds will be available for withdrawalavailable. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open They will generally be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth seventh (7th) business day following after the banking day on which the funds are depositedof your deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first same business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525.00 5,000 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsBusiness Days and Cut-off Times For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. There may be a delay between the time If you make a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to before 4:00 PM CT p.m. on a business day that we are open open, we will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of your deposit. However, if you make an ATM a deposit after 4:00 PM CT that time or on a business day that we are not open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bankForeign Checks or Drafts Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Funds Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits made at an ATM not owned and operated by nbkc bank of foreign checks will be made available no later than delayed for the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new customermember, the following special rules followingspecialrules will apply during applyduring the first 30 days your account Your Account is open: . Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, ,the checks must be mustbe payable to youYou. The excess over $5,525.00 5,525 will be available on the second business day after 9th businessdayafter the day of your Your deposit. If your Your deposit of these checks (other than otherthan a U.S. Treasury checkTreasurycheck) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second 2nd business day after dayafter the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 9th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a If You make an ATM deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT 3:00 p.m. PST on a business day that we We are open open, We will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of Your deposit. However, if you You make an ATM deposit after 4:00 PM CT 3:00 p.m. PST or on a business day that we We are not open, we We will consider that the deposit was made on the next business day we We are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 1st business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated by nbkc bank bythe Credit Union, deposits subject to delayed availability will be made become available no later than for withdrawal on the fifth 5th business dayfollowing the day following the banking day on which the funds of deposit. All ATMs that We own or operate are depositedidentified as Our machines.

Special Rules for New Accounts. If you are a new customermember, the following special rules will may apply during the first 30 thirty (30) days your account is open: . You will be notified if this section is applicable to your account. Funds from electronic direct deposits to your account will may not be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's ’s total deposits deposit of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit s) meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on by the ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply. ATM DepositsAutomated Teller Machines And Funds Availability Financial Plus Federal Credit Union owns and operates many of its own automated teller machines. There may These are clearly identified as Financial Plus Federal Credit Union machines and can be a delay between found at any of our offices, in many of the time a deposit is General Motors facilities the Credit Union serves, and several retail sites. We will keep you informed of changes and additions to these locations. All deposits made into an automated teller machine after 12:00 noon on weekdays and when it anytime on Saturdays, Sundays or holidays will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on considered received the next business day we are open. Other ATMs Not Owned Our policy is to allow availability of funds deposited into Financial Plus Federal Credit Union’s automated teller machines by nbkc bankthe next business day after we receive your deposit. Funds from deposits made at an ATM If you deposit funds into your Financial Plus Federal Credit Union accounts through another automated teller machine, one not owned and operated by nbkc bank will Financial Plus Federal Credit Union, whether cash or check, the funds may not be made available no later than the fifth for up to five business day days following the banking day of the deposit. However, all automated teller machine deposits are subject to the same conditions and exceptions referred to in the “Longer Delays May Apply” and “Special Rules for New Accounts” sections of this Agreement. Our business days are Monday through Friday, excluding New Year’s Day, Xxxxxx Xxxxxx Xxxx, Xx. Day, President’s Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, the Friday after Thanksgiving Day, Christmas Day, and on which the funds are depositedlast weekday preceding Christmas and New Year’s Day, nor on any day designated for their observance. If we change our “business days,” we will notify you of the change in advance.

Special Rules for New Accounts. If you are a new customermember, the following special rules will may apply to ATM Deposits made during the first 30 days your account is open: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, cash and the first $5,525.00 5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first second business day after the day of your deposit made at Logix-owned ATMs, or on the fifth business day following the date of deposit at non-Logix-owned ATMs, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits 5,525 will be available on the ninth business day after the day of your deposit. ATM Deposits. There may be deposit made at a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded Logix ATM. Funds from all other check deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a seventh business day that we after the day of your deposit when made at a non-Logix ATM. ITEM POSTING ORDER ITEM POSTING ORDER – The order in which withdrawals and deposits are open, we will consider that the deposit was made on the next business day we processed and posted. Check withdrawals are openprocessed as received and in check number order beginning with lower check numbers up through higher check numbers. Other ATMs Not Owned by nbkc bankwithdrawals such as withdrawals conducted in person, ACH debits, Debit Card transactions, Point of Sale (POS) and ATM transactions, telephone transfers, Online Banking and other one-time or recurring electronic funds transfers, and Bill Pay Payments are processed as they occur and are received. Funds from deposits made at an ATM not owned Deposits are processed as received. While this Item Posting Order provision reflects our item posting practices, you understand and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the agree that items posted to your account are subject to our funds are depositedavailability disclosures and practices, as described in this Agreement and Disclosure.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's's check, and federal, state and local government checks will be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on you and deposited in person to an employee of the second business day after the day of your depositBank (and you may have to use a special deposit slip). If your deposit does not meet these conditions, funds from your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until to you no later than the second business day fifth (5th) Business Day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank “Other Check Deposits,” as described above, will be available on to you no later than the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day fifth (5th) Business Day after the day of your deposit. ATM DepositsHolds On Other Funds (Check Cashing) If the Bank cashes a check for you drawn on another bank, the Bank may withhold the availability of a corresponding amount of funds already in your account. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank Those funds will be made available no later than to you at the fifth business day following the banking day on which time the funds from the check cashed would have been available to you if you had deposited it. Holds On Other Funds (Other Account) If the Bank accepts for deposit a check that is drawn on another bank, the Bank may make funds from the deposit available for withdrawal immediately but delay your ability to withdrawal a corresponding amount of funds that you have on deposit in another account with the Bank. The funds in the other account would then not be available until the time periods that are described in this disclosure for the type of check you deposited. Foreign Checks The Bank may refuse to accept or may delay availability on checks drawn on banks outside the United States (including checks drawn upon foreign HSBC affiliates) and on checks drawn in foreign currencies, convert the foreign check to USD and deposit as cash or handle such checks on a collection basis. Regardless of whether your foreign check is converted or processed on a collection basis, you understand and agree that you bear all exchange risk in the event of a returned item. If you want to avoid the exchange risk of a returned item, you can request that the item be processed on a collection basis for the applicable fee. If a check drawn on a bank outside of the United States uses a dollar sign (“$”) but does not indicate the check is drawn in U.S. Dollars, it will be processed as a check drawn in the currency of the country where the bank is located, e.g., a check drawn on a Canadian bank. You will bear the costs associated with any adjustments that must be made if the check should have indicated it was drawn in U.S. Dollars including exchange rate adjustments and fees assessed against the Bank by third parties related to the adjustment. You can avoid this risk by making sure that the issuer of the item clearly identifies checks payable in U.S. Dollars. Cash Withdrawal Limitation We place certain limitations on withdrawals in cash. In general, $225 of a check deposit is available for withdrawal in cash on the first Business Day after the day of deposit. Chargeback Right The Bank's funds availability policy does not affect your obligation to repay the Bank for checks that you deposit which are returned unpaid, nor does it limit the Bank's right to charge back your account or to obtain reimbursement for any check that is not finally paid for any reason.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open: open (including deposits You make at Automated Teller Machines (ATMs) owned and operated by Philadelphia Federal Credit Union). Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will also be available on the first business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou (and You may have to use a special deposit slip). Funds from deposits of the first $5,525.00 of a day's total deposits of cashier's, certified, and teller's checks will be available on the 1st business day after the day of Your deposit if the deposit meets certain conditions. For example, the checks must be payable to You (and You may have to use a special deposit slip). The excess over $5,525.00 from deposits of traveler's checks, federal, state and local government checks, cashier's checks, certified checks, and teller's checks will be available on the second 7th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525.00 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 7th business day after the day of your Your deposit. ATM DepositsDEPOSITS AT ATMs. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding The first $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from 225.00 of deposits made at an ATM not owned and operated by nbkc bank ATMs each business day will be made available no later than for immediate withdrawal. The remainder of any such deposit(s) subject to delayed availability will become available for withdrawal on the fifth 2nd business day following after the banking day on which the funds are depositedof Your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $450.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 5:30 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 calendar days your account Your Account is open: . Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 5,000.00 will be available on the second 9th business day after the day of your Your deposit. If your Your deposit of these checks . . U.S. Treasury checks that are payable to You. (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000.00 will not be available until the second 2nd business day after the day of your depositWire transfers. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth 9th Checks drawn on Us. business day after the day of your Your deposit. ATM DepositsIf You make the deposit in person to one of our employees, funds from the Holds on Other Funds. There If We cash a check for You that is drawn on another following deposits are also available on the 1st business day after the day We institution, We may be withhold the availability of a delay between the time a deposit is made and when it corresponding amount of receive Your deposit: funds that are already in Your Account. Those funds will be available to You at . Cash. . State and local government checks that are payable to You. Cashier's, certified, and xxxxxx's checks that are payable to You. Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to You. If You do not make Your deposit in person to one of Our employees (for withdrawal. nbkc-bank-branded ATM. Funds example, if You mail the deposit), funds from these deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a 2nd business day that we are open, we will consider that after the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedWe receive Your deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will could apply during the first 30 thirty (30) days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For conditions – for example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits of checks drawn on nbkc bank less than $5,000 will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth fifth business day after the day of your deposit. ATM DepositsCheck Endorsement Standards. There You should be aware of special endorsement standards stated in Regulation CC of the Federal Reserve System. Failure to comply with these endorsement standards may make you responsible for loss resulting from a delay in return caused by endorsements that are not legible due to placement of endorsement or due to other printed or written text or numbers appearing on the back of the check. Check endorsements are to be wholly contained on the back of the check confined to the area within 1 1/2” from each item’s trailing edge, i.e., the left edge of an item as you are looking at it from the front. Endorsements should be executed in black or dark blue ink. Collection of Checks Policy. The customer appoints the Bank as its agent for the collection of checks, drafts, and other orders for the payment of money, including orders for payment in clearinghouse funds and wire transfers that the customer deposits with us. We will make the proceeds of these items available to the customer in accordance with our availability policy currently in effect. All credits for non-cash items received for deposit are provisional subject to final settlement. The Bank or any of its correspondents, as agent for the customer, may accept the draft or credit of any bank or other payer in lieu of cash. The Bank will exercise ordinary care in the handling of items of deposit and withdrawal per the standards and procedures established for the transaction involved. Deposited Check Returns. The Bank can charge back to your account any item deposited that is returned unpaid. We may do this even if you have made withdrawals against those deposited checks. We may, at our discretion, send checks back for collection one or more times when they have been deposited to your account and returned unpaid. We have no liability for resubmitting these checks without notice to you. ELECTRONIC FUNDS TRANSFERS Governing Rules. From time to time, you may be a delay between party to an Automated Clearing House (ACH) entry or an electronic funds transfer that may be posted to your account as a credit or debit. With respect to ACH transactions, you agree to be bound by the rules and regulations of the National Automated Clearing House Association and any local clearinghouse used to effect such transactions, as those rules and regulations are in effect from time a deposit is made to time. With respect to other electronic funds transfers, you agree to be bound by any rules and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made regulations then in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we effect governing the use of any system through which such transfers are open will be delayed until the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedaffected.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from cash deposits and electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the second seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesat a branch, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth seventh business day after the day of your deposit. ATM Deposits. There may be a delay between the time a deposit is made and when it will be available for withdrawal. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that at automated teller machines (ATMs) we are open do not own or operate will be delayed until the next business day, excluding $225 which will not be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than until the fifth business day following after the banking day on date of your deposit. This rule does not apply at ATM’s that we own or operate. All ATM’s that we own or operate are identified as our machines. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ). Electronic Funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part 1005, subpart B—Requirements for Remittance Transfers, and consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be disclosed to you at the funds time such services are depositedrequested and rendered in accordance with applicable law.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. ATM DepositsForeign Checks. There may Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be a delay between processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time a deposit it takes us to collect the funds from the financial institutions upon which it is made and when it will be available for withdrawaldrawn. nbkcDeposits at Non-bank-branded ATMProprietary ATMs. Funds from any deposits (cash or checks) made in a nbkc bank-branded ATM prior to 4:00 PM CT on a at automated teller machines (ATMs) we do not own or operate will not be available until the third business day after the date of your deposit. This rule does not apply at ATMs that we are open will be delayed until the next business day, excluding $225 which will be available on the same business dayown or operate. However, if you make an ATM deposit after 4:00 PM CT on a business day All ATMs that we own or operate are openidentified as our machines. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ). Electronic Funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, we will consider that signing your Card, or using any service, each of you, jointly and severally, agree to the deposit was made on terms and conditions in this Agreement and any amendments for the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedEFT services offered.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: Funds  The first $5,525 from electronic direct deposits to your account a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit. The excess over $5,525 will be available on the second business day after the day of your deposit. Funds from wire transfers will be available on the first business day after the day we receive the deposittransfer.  Funds from deposits of cash, wire transfers, cash and the first $5,525.00 of a day's ’s total deposits of cashier's, ’s certified, teller's’s, traveler's, ’s and federal, state and local government checks will be available on the first business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 will be available on the second fifth business day after the day of your deposit. If your you do not make the deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit.  Funds from deposits of checks drawn on nbkc bank University Credit Union will be available on the same business day as the day of your deposit.  Funds from all other check deposits will generally be available on no later than the ninth second business day after the day of your deposit. ATM DepositsADDENDUM TO ACCOUNT RULES AND REGULATIONS FOR NEW ACCOUNTS A Checking Account consists of a transaction sub account and a savings sub account. There Funds not routinely needed to pay debits may be transferred to a delay savings sub account. We may periodically transfer funds between these two sub accounts. If your Account is a Plan on which dividend is paid, your dividend calculation will remain the time a deposit is made and when it same. The savings sub account will be governed by the rules governing our other savings accounts indicated within the Withdrawals Section of your Account Agreement. This process will not affect your available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open will be delayed until balance, the next business daydividend you may earn, excluding $225 which will be available on the same business day. HoweverNCUA insurance protection, if you make an ATM deposit after 4:00 PM CT on a business day that we are openyour monthly statement, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedor any other features of this Account.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your account Your Account is open: . Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525.00 5,525 will be available on the second 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 5,525 will not be available until the second 2nd business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your Your deposit. Funds from all other check deposits will be available on the ninth 9th business day after the day of your Your deposit. ATM Deposits. There may be a delay between the time a If You make an ATM deposit is made and when it will be available for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT 3:00 p.m. PST on a business day that we We are open open, We will consider that day to be delayed until the next business day, excluding $225 which will be available on the same business dayday of Your deposit. However, if you You make an ATM deposit after 4:00 PM CT 3:00 p.m. PST or on a business day that we We are not open, we We will consider that the deposit was made on the next business day we We are open. Other ATMs Not Owned by nbkc bank. Funds from For deposits made at an ATM Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 1st business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated by nbkc bank the Credit Union, deposits subject to delayed availability will be made become available no later than for withdrawal on the fifth 5th business day following the banking day on which the funds of deposit. All ATMs that We own or operate are depositedidentified as Our machines.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open: . Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and you may have to use a special deposit slip. The excess over $5,525.00 will be available on the second ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525.00 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on nbkc bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth eleventh business day after the day of your deposit. ATM DepositsDeposits at Non-Proprietary ATMs. There may Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be a delay between available until the time fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is made and when it available for withdrawal in cash by the first business day after the day of deposit. In addition, a total of $450.00 of other funds becoming available on a given day will be available for withdrawalwithdrawal in cash at or after 4:00 p.m. that day. nbkc-bank-branded ATMAny remaining funds will be available for withdrawal in cash by the following business day. Funds Foreign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 which will be available on the same business day. However, if you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which time it takes us to collect the funds are depositedfrom the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 90 days your account is open:  The first $5,000 from a deposit of US Treasury checks will be available on the first business day after the day of your deposit. The excess over $5,000 will be available on the second business day after the day of your deposit. Funds from electronic direct deposits to wire transfers into your account will be available on the first business day after the day we receive the deposittransfer.  Funds from deposits of cash, wire transfers, cash and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525.00 5,000 will be available on the second seventh business day after the day of your deposit. If your you do not make the deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesa Credit Union employee, the first $5,525.00 5,000 will not be available until the second business day after the day of your deposit.  Funds from deposits of checks share drafts drawn on nbkc bank this Credit Union will be available on the same business day as the day of your deposit.  Funds from all other share draft or check deposits will be available on not later than the ninth seventh business day after the day of your deposit. ATM DepositsForeign Checks: Checks drawn on financial institutions located outside the US (foreign checks) cannot be processed the same as checks drawn on US financial institutions. There may be a delay between Foreign checks are exempt from the time a deposit is made and when it will be available policies outlined in this disclosure. Generally, the availability of funds for withdrawal. nbkc-bank-branded ATM. Funds from deposits made in a nbkc bank-branded ATM prior to 4:00 PM CT on a business day that we are open of foreign checks will be delayed until for the next business day, excluding $225 time it takes us to collect the funds from the financial institution upon which it is drawn. The final settlement amount of the check may be affected by currency exchange rates. Any difference will be available on deposited or withdrawn from your account. Electronic and Remote Access for Accounts The following features and services are provided to allow access to your accounts outside of our regular business hours and from remote locations:  ACH, Direct Deposit, Electronic Funds Transfers  Xxxx Pay  CU24 Visa Debit Card  CUe-Statement  Online Anytime (including Mobile Banking)  Remote Deposit Capture  Shared Branching  Telephone Access Services may be selected at account opening or later. You may be required to sign a separate application for some services selected outside of the same business dayaccount opening process. However, if Disclosures related to these services complete the rest of this brochure. You agree that any device you make an ATM deposit after 4:00 PM CT on a business day that we are open, we will consider that intend to use in connection with Electronic and Remote Access meets the deposit was made on the next business day we are open. Other ATMs Not Owned by nbkc bank. Funds from deposits made at an ATM not owned and operated by nbkc bank will be made available no later than the fifth business day following the banking day on which the funds are depositedrequirements listed for those services.