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 $5,000 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 you (and you may have to use a special deposit slip). The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) even if you do not complete a fund transfer.

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 $5,000 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 next 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 $5,000 5,000.00 will be available on the ninth 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 $5,000 5,000.00 will not be available until the second business day after 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. Deposits at Non-Proprietary ATMs. 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 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 INITIAL DISCLOSURE CONSUMER’S LIABILITYACT (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”). You will tell us AT ONCE if you believe 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 has been lost or stolenfor EFT services, signing your Card, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way any service, each of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back jointly and severally, agree to the terms and conditions in this Agreement and any money that you lost after amendments for the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) even if you do not complete a fund transferEFT services offered.

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 $5,000 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 1st 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 you You (and you You may have to use a special deposit slip). The excess over $5,000 5,525.00 will be available on the ninth 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 $5,000 5,525.00 will not be available until the second 2nd business day after 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. ELECTRONIC FUND Dividend Payment Policy. See the Account Disclosures section in these Agreements and Disclosures for Our policy on the payment of dividends. WIRE TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITYAGREEMENT THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not “Remittance Transfers” as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the payment of wire transfer requests. If more than one Account(s) is designated, We may charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or to a third party or account of a third party maintained with Us or any other financial institution. Except as provided by applicable law, there are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is named, any one of them may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We are not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will tell us AT ONCE have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if you believe your card has been lost Your cancellation or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us amendment is the best way of keeping your possible losses downineffective. You could lose all agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your application for membership designates any Account which may be charged in relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for membership. All modifications or additions to Your application for membership must be in writing. You agree to pay Us the money amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of Account designated to pay the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in timetransfer request. If a good reason (such as payment order is executed which creates an overdraft, with or without Our prior consent, You agree to pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or obligations to Us. You understand and agree that the payment of a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you wire transfer request may be charged made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a fee beneficiary, even if the number identifies a person different from Your intended beneficiary. You also understand and agree that We or any other financial WIRE TRANSFER AGREEMENT (continued) institution used to carry out a transfer request, may rely on the identifying number of the intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a transfer request described in such statement or confirmation. You and the Credit Union agree that the following specified security procedures represent a commercially reasonable method of providing security against unauthorized payment orders: (a) only individuals named in Your application for membership shall issue wire transfer requests to Us; and (b) We reserve the right to telephonically contact any individual named in Your application for membership for the purpose of confirming a transfer request, regardless of amount, although We have no obligation to do so. If We cannot obtain a confirmation satisfactory to Us, then We reserve the right to refuse to honor any wire transfer request. We have no responsibility to verify the identity of any party identifying themselves as an individual authorized to receive a telephonic confirmation of any wire transfer request, other than to verify that the name given by such party corresponds to a party named in Your application for membership. If, for any reason, We are not satisfied that a wire transfer request was issued by an authorized party or confirmed by an authorized party, We may refuse to execute the transfer request. If We do so, We shall not incur any liability of any nature. You agree to prevent disclosure, other than on a need-to-know basis, of any of the aspects of the security procedures which You have agreed to with Us. You will notify Us immediately if You believe the confidentiality of the security procedures has been compromised and You shall act to prevent the security procedures from being further compromised. We have no liability of any nature for delays or mistakes, provided We act in good faith and with reasonable care. We are not responsible for delays or mistakes caused by other parties through whom We transmit funds whether such other parties were selected by You or Us. We are not required to make a wire transfer on the day a wire transfer request is received, unless the wire transfer request is received within a reasonable time before any cut-off hour We have established. We will generally use the funds transfer system, but We may use any means and routes that We, in Our sole discretion, consider suitable for the transmission of funds. You agree that We have no liability and are not responsible for any delay or failure to transfer any amount specified in any wire transfer request because of rules, regulations, or policies of the Federal Reserve Board which limits, in the aggregate, the amount We can transfer from time to time during any business day, provided, however, that We will promptly notify You of any such failure or delay and will effectuate the transfer as soon as is reasonably possible. We shall have no liability whatsoever for any special, consequential, punitive, or indirect loss or damage suffered by You in connection with services offered by Us which are subject to this Agreement, regardless of whether We know or should have known such damages might be incurred. We have no responsibility for any attorneys’ fees that You might incur. We may terminate this Agreement at any time by giving written or oral notice to You. Unless We terminate this Agreement, the Agreement shall remain in effect until We receive written notice of termination from You and have been afforded a reasonable opportunity to act on Your termination notice. You may not assign this Agreement to any other party. This Agreement is governed by the ATM operator provisions of Regulation J, 12 CFR Part 210, Subpart B, including the Appendices, to the extent that any wire transfer request is carried out. Terms which are not defined in this Agreement shall have the same meaning as defined in the Uniform Commercial Code Article 4A. This Agreement is also subject to all applicable Operating Circulars of the Federal Reserve Bank in the district in which We are located and any other applicable provisions of federal or state law. To the extent that Regulation J does not apply to this Agreement, this Agreement shall be governed by the laws of the state in which We are chartered. We may amend this Agreement, from time to time, by sending You a copy of any network used (amendment at least 30 days prior to its effective date. This Agreement may also be amended by a writing signed by You and you may Us. No representation or statement not expressly contained in this Agreement or in any amendment shall be charged a fee for a balance inquiry) even if you do not complete a fund transferbinding upon You or Us.

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 into your account will be available on the day we receive the depositdeposit if the account is opened in person. If the account is opened online the initial deposit will be available on the 8th business day. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s dayʼs total deposits of cashier’scashierʼs, certified, teller’stellerʼs, 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 (and you may have to use a special deposit slip)you. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on University of Illinois Community Credit Union will be available on the 1st business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITYThis Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer ("EFT") services offered to you by University of Illinois Employees Credit Union ("Credit Union"). You will tell us AT ONCE if you believe your In this Agreement, the words "you" and "yours" mean those who sign the application or account card has been lost or stolenas applicants, joint owners, or if any authorized users. The words "we," "us," and "our" mean the Credit Union. The word "account" means any one or more share and share draft accounts you believe that an electronic fund transfer has been made without your permission using information have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your checkaccount through the electronic funds transfer services described below. Telephoning us is the best way By signing an application or account card for EFT services, signing your Card, or using any service, each of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back jointly and severally, agree to the terms and conditions in this Agreement and any money that you lost after amendments for the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) even if you do not complete a fund transferEFT 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 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 $5,000 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 next 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 $5,000 5,000.00 will be available on the ninth 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 $5,000 5,000.00 will not be available until the second business day after 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. Deposits at Non-Proprietary ATMs. 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 date of your deposit. This rule does not apply at ATMs or ITMs that we own or operate. All ATM/ITMs 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 INITIAL DISCLOSURE CONSUMER’S LIABILITYACT (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 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”). You will tell us AT ONCE if you believe 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 has been lost or stolenfor EFT services, signing your Card, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way any service, each of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back jointly and severally, agree to the terms and conditions in this Agreement and any money that you lost after amendments for the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) even if you do not complete a fund transferEFT services offered.

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 $5,000 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. BUSINESS BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ONLINE BANKING AGREEMENT AND DISCLOSURE DOCUMENT SERVICE AGREEMENT AND DISCLOSURE 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, Cambridge Trust does impose an ATM 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 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 Debit replacement card $7.50 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) even if $10 Wire transfer Outgoing Manual $30 BizBanker $20 Incoming $12 International incoming wire $12 Paper Statement instruction fee $3.00 International draft $40 International wire transfer Manual $45 BizBanker $35 Draw Down Wire Transfer $35 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 available and certain fees may apply. Contact your Relationship Manager for more information. For additional services refer to Other Fees. BASIC BIZBANKER FEES - ONLINE BANKING Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month access for more than three accounts By using our Online Banking Service (“Online Banking”) and checking the “I agree to the terms of the Document Service Agreement and Disclosure,” you do not complete are electing to receive your deposit account statements and loan account statements and certain disclosures and notices electronically (“eStatements”), and you agree that Cambridge Trust Company (CTC) may provide these communications to you in electronic form in lieu of paper form in accordance with these terms. Please read the following agreement carefully and print and retain a fund transfercopy of it for your records.

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 $5,000 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged also impose a fee for overdrafts created by deposited items that are returned. See our Personal 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. PERSONAL BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ELECTRONIC BANKING AGREEMENT ELECTRONIC FUNDS TRANSFER DISCLOSURE TERMS & CONDITIONS PERSONAL ONLINE BANKING Online banking and bill payment are free of charge. 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, Cambridge Trust does impose an ATM network fee for transactions at non-Cambridge Trust Company ATMs except as noted under the Relationship Accounts and Checking Accounts section. 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 Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, $2.50 monthly, per account Paper Statement instruction fee $2.00 International Mailing Address Instruction paper statements, monthly, per account $5 Stop Payment $30 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 Bill paying (per manual payment) even if you do not complete $20 Access to bulk storage (per visit) $10 Wire transfer Wire trans domestic $30 Wire trans intrl $45 Wire trans incoming $12 International draft $40 Account closing early $50 (within six months of opening) Bond coupons returned unpaid $20 Check printing variable Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 MasterCard® International Assessment Fee 2% of the U.S. Dollar This disclosure includes information about your electronic funds transfers at Cambridge Trust Company and should be read in conjunction with the other disclosures contained in our Account Information packet. Please speak with a fund transferClient Service Advisor, visit our website (xxx.xxxxxxxxxxxxxx.xxx), or telephone our PrivateLINE at (617) 254-BANK (2265) or (000) 000-0000 for current interest rates and Annual Percentage Yields.

Special Rules for New Accounts. If you You are a new customer, 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 $5,000 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 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 you (and you may have to use a special deposit slip)You. The excess over $5,000 5,000.00 will be available on the ninth 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 $5,000 5,000.00 will not be available until the second 2nd business day after 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. ELECTRONIC FUND Interest/Dividend Payment Policy. See the Account Disclosures section in these Agreements and Disclosures for Our policy on the payment of interest and dividends. WIRE TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITYAGREEMENT THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the payment of wire transfer requests. If more than one Account(s) is designated, We may charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or to a third party or account of a third party maintained with Us or any other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is named, any one of them may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We are not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will tell us AT ONCE have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if you believe your card has been lost Your cancellation or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us amendment is the best way of keeping your possible losses downineffective. You could lose all agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your application for membership designates any Account which may be charged in relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for membership. All modifications or additions to Your application for membership must be in writing. You agree to pay Us the money amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of Account designated to pay the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in timetransfer request. If a good reason (such as payment order is executed which creates an overdraft, with or without Our prior consent, You agree to pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or obligations to Us. You understand and agree that the payment of a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you wire transfer request may be charged a fee made by the ATM operator Us or any network other financial institution used (and you may be charged a fee to carry out the transfer request on the basis of an identifying or account number which You have provided for a balance inquiry) beneficiary, even if you do the number identifies a person different from Your intended beneficiary. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the intermediary or beneficiary' s financial institution which You have provided as the proper identification of the intermediary or beneficiary' s financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not complete responsible for determining whether any identifying or account numbers You have provided to initiate a fund transferwire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary' s identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a transfer request described in such statement or confirmation.

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 into your account will be available on the day we receive the depositdeposit if the account is opened in person. If the account is opened online the initial deposit will be available on the 5th business day. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s dayʼs total deposits of cashier’scashierʼs, certified, teller’stellerʼs, 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 (and you may have to use a special deposit slip)you. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on University of Illinois Community Credit Union will be available on the 1st business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITYThis Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer ("EFT") services offered to you by University of Illinois Employees Credit Union ("Credit Union"). You will tell us AT ONCE if you believe your In this Agreement, the words "you" and "yours" mean those who sign the application or account card has been lost or stolenas applicants, joint owners, or if any authorized users. The words "we," "us," and "our" mean the Credit Union. The word "account" means any one or more share and share draft accounts you believe that an electronic fund transfer has been made without your permission using information have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your checkaccount through the electronic funds transfer services described below. Telephoning us is the best way By signing an application or account card for EFT services, signing your Card, or using any service, each of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back jointly and severally, agree to the terms and conditions in this Agreement and any money that you lost after amendments for the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) even if you do not complete a fund transferEFT services offered.

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 $5,000 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged also impose a fee for overdrafts created by deposited items that are returned. See our Personal 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. 22 PERSONAL BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 23 PERSONAL BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ELECTRONIC BANKING AGREEMENT ELECTRONIC FUNDS TRANSFER DISCLOSURE TERMS & CONDITIONS PERSONAL ONLINE BANKING Online banking and bill payment are free of charge. 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, Cambridge Trust does impose an ATM network fee for transactions at non-Cambridge Trust Company ATMs except as noted under the Relationship Accounts and Checking Accounts section. 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 Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, $2.50 monthly, per account International Mailing Address Instruction paper statements, monthly, per account $5 Stop Payment $30 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 Bill paying (per manual payment) even if you do not complete $20 Access to bulk storage (per visit) $10 Wire transfer Wire trans domestic $30 Wire trans intrl $45 Wire trans incoming $12 International draft $40 Account closing early(within six months of opening) $50 Bond coupons returned unpaid $20 Check printing variable Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 MasterCard® International Assessment Fee 2% of the U.S. Dollar This disclosure includes information about your electronic funds transfers at Cambridge Trust Company and should be read in conjunction with the other disclosures contained in our Account Information packet. Please speak with a fund transferClient Service Advisor, visit our website (xxx.xxxxxxxxxxxxxx.xxx), or telephone our PrivateLINE at (617) 254-BANK (2265) or (000) 000-0000 for current interest rates and Annual Percentage Yields.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 60 days your account is open. Funds from electronic direct deposits deposit to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, ’s traveler’s, and federal, federal state and local government checks will be available on the first business same day after as 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 of over $5,000 will be available on the ninth seventh business day after the day of your deposit. If your you deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after 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 FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITYI agree by the use of XXXX to be bound by the terms contained in the attached Agreement/Disclosure statement. I understand that transfers performed after business hours will be posted as the next day’s business. I understand that if I disclose my password to anyone, they will have access to all accounts identified with my account number. I request a confidential XXXX PIN for the account listed above. I understand that this PIN is not to be revealed to anyone and to further safeguard the PIN in every way possible from unauthorized users. I agree that I am responsible for information obtained and/or transactions performed through the use of XXXX. Agreement and Disclosure This agreement contains the rules which govern access to your account(s) with using XXXX (audio response system). Please read these disclosures carefully. By completing and signing the application, you are applying for an TRUE SKY Credit Union confidential PIN to be used with the XXXX audio response system. You understand that you cannot use XXXX without a PIN, that you must apply for it in writing and that the credit union will not keep a record of it. It is your understanding that the PIN may be used for: transfers between your accounts, information regarding your accounts, check withdrawals made out in your name on your accounts (except Individual Retirement Accounts and Certificates of Deposit) and for such other transactions as may become available, of which this agreement is made a part by reference. You are responsible for the safekeeping of the PIN and for all transactions completed by use of XXXX. You will tell notify the credit union immediately and send written confirmation if your PIN is disclosed to anyone other than a joint owner of your account. If you disclose the PIN to anyone, however, you understand that you have given them access to your account via XXXX and that you are responsible for such transactions. You further understand that the PIN is not transferable and you will not disclose the PIN or permit any unauthorized use thereof. If you default on any amounts you owe under this agreement you agree to pay any and all attorney fees and collection costs incurred by the credit union to the extent allowed by law. Tell us AT ONCE at once if you believe your card PIN has been lost used by an unauthorized party or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit)account. If you tell us within two (2) business days after you learn of the loss or theft of your carddays, you can lose no more than $50 if someone used your card PIN without your permission. If you do NOT not tell us within two (2) business days after you learn of the loss or theft unauthorized use of your card PIN and we can prove that we could have stopped someone from using your card PIN without your permission if you had told us, you could lose as much as $500.00500. Also, if Updated 12/1/2014 If your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 sixty (60) days after each the statement we provide or made available to youwas mailed, you may not get back any money that you lost after the 60 sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason reasons (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When If you believe that your PIN has been lost or stolen, or that someone has withdrawn or may withdraw money from your account without your permission, call (000) 000-0000, (000) 000-0000, or write: True Sky Credit Union, Attn: Member Service, P.O. Box 26406, Oklahoma City, OK 73126. You understand that the credit union reserves the right to discontinue access to XXXX without notice and will not be liable for failure to honor any transactions. Amendments to this agreement may be provided to you, in accordance with applicable laws, without restatement of the terms. The use an ATM not owned of XXXX is subject to such other terms, conditions, and requirements as the credit union may establish from time to time. The credit union must give a 21 day notice if it makes any changes in this agreement. Transactions made through XXXX are binding on the credit union only after verification by usthe credit union. Transactions after the normal business hours each day may be posted to the appropriate accounts on the next business day after the date of such transactions. The total dollar amount of transactions via XXXX is subject to limits set by the credit union and sufficient verified funds must be available to satisfy transaction instructions. During any month, you may not make more than six withdrawals or transfers from your share savings account to another credit union account of yours or to a third party by means of a pre-authorized, automatic, or computer transfer, telephonic instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be charged a fee subject to closure by the ATM operator credit union. As with any credit union transaction, we may limit the withdrawal amount to correctly collected balances, and all deposits are accepted on a provisional basis subject to collection. The credit union reserves the right to impose service charges at a future date after giving you notice of such service charges. XXXX will be available for your convenience 24 hours a day, 365 days a year, with minor interruptions for end-of-day in-house processing. If you use any of these services in a particular month or any network used (and you may be charged a fee for a balance inquiry) even if you have a checking account, the credit union will mail you a statement for that particular month’s transaction. Information concerning your share or loan account will be given to third parties only: A) in order to comply with the order of a government agency or court; B) if you give us your written permission; or C) when it’s necessary to complete the electronic transfer into your account. If we do not complete a fund transfer to your account in time or for the correct amount according to our agreement with you we will be liable for your losses or damages. However, there are some exceptions. We will not be liable: A) if circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions we have taken; B) if the party sending us the deposit either fails to generate the correct amount on time; or C) if, through no fault of ours, you do not have enough money in your account to make the transfer. There may be other exceptions stated in our agreement with you. In case of error or questions about your electronic transfer, telephone us at (000) 000-0000, (000) 000-0000 or write: TRUE SKY Credit Union, P.O. Box 26406, Oklahoma City, OK 73126 as soon as possible. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, we must hear from you no later than 60 days after we sent the first statement in which the problem or error appeared.

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 $5,000 5,525 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 5,525 will be available on the 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 $5,000 5,525 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged also impose a fee for overdrafts created by deposited items that are returned. See our Personal 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. 22 FUNDS AVAILABILITY DISCLOSURE PERSONAL BANKING FEE SCHEDULE The Fee Schedule is part of your Account Agreement. Online banking and bill payment are free of charge. International Mailing Address Instruction $5 paper statements, monthly, per account SUMSM PROGRAM Stop Payment $30 Cambridge Trust Company is a member of the SUMSM Treasurer’s check: Program. Additional ATM surcharges will not be imposed on Cambridge Trust clients who use their cards at SUM- Client $5 designated ATMs. However, Cambridge Trust does impose Non-client $7 an ATM network fee for transactions at non-Cambridge Bank money order $2 Trust Company ATMs except as noted under the Research: hourly fee $25 Escheatment fee $100 INCOMING WIRE INSTRUCTIONS Levy/attachment processing fee up to $50 Wire to: Bill paying (per manual payment) even if $20 Cambridge Trust Company Access to bulk storage (per visit) $10 PERSONAL ONLINE BANKING Relationship Accounts and Checking Accounts section. 0000 Xxxxxxxxxxxxx Xxxxxx Cambridge, MA 02138 USA ABA Routing Number: 0000-0000-0 SWIFT Code: XXXXXX00 For Credit To: Provide client name and account number OTHER FEES Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Wire transfer Outgoing Wire transfer domestic $30 Wire transfer international $45 Incoming Wire transfer $12 International draft $40 Account closing early $50 (within six months of opening) Bond coupons returned unpaid $20 Check printing variable Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 Interim statement $25 MasterCard® Inthe U.S. Duplicate paper Statement Instruction, monthly, per account $2.50 Dollar Paper Statement instruction fee(Waived when you do not complete enroll in Online Banking with eStatements) $2 ternational Assessment Fee 2% of XxxxxxxxxXxxxx.xxx/XxxxxxxXxxxxxxxxXxxx 000-000-0000 23 ELECTRONIC BANKING AGREEMENT ELECTRONIC FUNDS TRANSFER DISCLOSURE TERMS & CONDITIONS This disclosure includes information about your electronic funds transfers at Cambridge Trust Company and should be read in conjunction with the other disclosures contained in our Account Information packet. Please speak with a fund transferClient Service Advisor, visit our website (XxxxxxxxxXxxxx.xxx), or telephone our PrivateLINE at (617) 254-BANK (2265) or (000) 000-0000 for current interest rates and Annual Percentage Yields.

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 $5,000 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. BUSINESS BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 53 BUSINESS BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. 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, Cambridge Trust does impose an ATM 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 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 monthly, per account $2.50 International mailing address instruction $5 Debit replacement card $7.50 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) even if $10 Wire transfer Outgoing Manual $30 BizBanker $20 Incoming $12 International incoming wire $12 Paper Statement instruction fee $3.00 International draft $40 International wire transfer Manual $45 BizBanker $35 Draw Down Wire Transfer $35 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 Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 Sweep $150 PREMIUM BIZBANKER FEES - Monthly maintenance fee $55 OPTIONAL SERVICES: ACH originated $.22 per item Remote Deposit Capture $75 ACH Notification of Change $2.50 ONLINE BANKING 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 available and certain fees may apply. Contact your Relationship Manager for more information. For additional services refer to Other Fees. BASIC BIZBANKER FEES - ONLINE BANKING Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month access for more than three accounts 54 BUSINESS BANKING ACCOUNT FEE SCHEDULE ONLINE BANKING AGREEMENT AND DISCLOSURE DOCUMENT SERVICE AGREEMENT AND DISCLOSURE By using our Online Banking Service (“Online Banking”) and checking the “I agree to the terms of the Document Service Agreement and Disclosure,” you do not complete are electing to receive your deposit account statements and loan account statements and certain disclosures and notices electronically (“eStatements”), and you agree that Cambridge Trust Company (CTC) may provide these communications to you in electronic form in lieu of paper form in accordance with these terms. Please read the following agreement carefully and print and retain a fund transfercopy of it for your records.

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. If the 30th day does not fall on a Business Day, these special rules will apply through the first Business Day after the 30th day. Funds from electronic direct deposits to your account will be available on the same day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks deposited by mail will be available on the first business day second 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)you. The excess over $5,000 will be available on the ninth business day 7th Business Day after the day of your deposit. If your deposit of these checks (other than is a U.S. Treasury check) is not made in person to one of our employees, check the first $5,000 will not be available until on the second business next Business Day after the day of your deposit. The excess over $5,000 will be available on the 7th Business Day after the day of your deposit. Funds from deposits of checks drawn on any subsidiary bank of Citizens Financial Group, Inc., including Citizens Bank, N.A., will be available on the 7th Business Day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day 7th Business Day after the day of your deposit. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if Our Responsibility to Collect Deposits When you believe your card has been lost or stolendeposit a check, or if we send a check for collection, we act only as your agent and our responsibility to you believe that an electronic fund transfer has been made without is to exercise reasonable care. Even though we credit your permission using information from your account for the amount of any item, the credit is temporary until we receive final payment in a manner acceptable to us. We will not be liable for the lack of care of any bank we use to collect checks, or for checks lost while being shipped. We may send checks to any bank or directly to any non-bank drawee in our customary manner. We may agree with other banks regarding times and methods for collecting or returning items. If we lose a check, you agree to use reasonable efforts to help us locate or replace the lost check. Telephoning us We have no duty to you to determine whether any check you deposit is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss forged, counterfeit, altered, improperly endorsed, or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) even if you do not complete a fund transferotherwise improper.

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, cash and the first $5,000 of a day’s 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 Business Day after the day date of your deposit if the deposit meets needs 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 will be available on the ninth business day Business Day after the day of your deposit. If For your deposit of these checks (other than a U.S. Treasury the US treasury check) is not made in person to one of our employees), the first $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made passcode without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit)permission. If you do NOT tell us within with in two business days (2) Business Days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss account number, PIN, or theft of your card passcode, and we can prove we could have stopped someone from using your card card, account number, PIN, or passcode without your permission if you had told us, you could lose as much as $500.00500. Also, if your statement shows transfers that you did not make, including those made by card, code code, or other means, you will tell us at once. If you do not tell us within 60 days after each the FIRST statement we provide or made available on which the unauthorized transfer appeared was delivered to you, you may not get back any money that you lost after the 60 days days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsperiods for a reasonable period. Additional Limit on Liability for Visa debit card. You will not be liable for any unauthorized transactions using your Visa debit card if: (i) you can demonstrate that you have exercised reasonable care in safe guarding your card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. Contact in Event of Unauthorized Transfer. If you believe your card, account number, PIN or passcode has been lost or stolen, call us at 000-000-0000 or write to us at First Boulevard Demand Deposit Account, PO Box 000, Xxxx Xxxxxx, XX 00000. You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your account without your permission. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) inquiry even if you do not complete a fund transfer).

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 $5,000 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. 52 BUSINESS BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 53 BUSINESS BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ONLINE BANKING AGREEMENT AND DISCLOSURE DOCUMENT SERVICE AGREEMENT AND DISCLOSURE 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, Cambridge Trust does impose an ATM 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) even if $10 Wire transfer Outgoing Manual $30 BizBanker $20 Incoming $12 International incoming wire $12 International draft $40 International wire transfer Manual $45 BizBanker $35 Draw Down Wire Transfer $35 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 $2.50ACH 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 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 available and certain fees may apply. Contact your Relationship Manager for more information. For additional services refer to Other Fees. BASIC BIZBANKER FEES Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month access for more than three accounts By using our Online Banking Service (“Online Banking”) and checking the “I agree to the terms of the Document Service Agreement and Disclosure,” you do not complete are electing to receive your deposit account statements and loan account statements and certain disclosures and notices electronically (“eStatements”), and you agree that Cambridge Trust Company (CTC) may provide these communications to you in electronic form in lieu of paper form in accordance with these terms. Please read the following agreement carefully and print and retain a fund transfercopy of it for your records.

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, transfers and the first $5,000 5,525.00 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s, 's check 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 check must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,000 5,525.00 will be available on the 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 $5,000 5,525.00 will not be available until the second business day after 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 INITIAL DISCLOSURE CONSUMER’S LIABILITYACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ). You will tell us AT ONCE if The Electronic Fund Transfer Agreement and Disclosure is the contract which covers your and our right and responsibilities concerning the electronic fund transfers (EFT) services offered to you believe by Xxxxxxxx Federal Credit Union. (“Credit Union” In this Agreement the words “you”, “yours”, and “yours” mean those who sign the Master Membership Application as applicants, joint owners, or any authorized users. The words “we”, “us”, and “our” mean the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing the Master Membership Application for EFT Services, signing your card has been lost or stolenusing any service, or if you believe each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for this 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 fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line funds of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. If Terms applicable to such transactions may vary from those disclosed herein and will be disclosed to you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (such services are requested and you may be charged a fee for a balance inquiry) even if you do not complete a fund transferrendered 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 $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, [3] Tell us your name and account number (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. state and local government checks will be available on the first business day after the day of your deposit immediately 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 will be available on the ninth business day after the day of your deposit. If your deposit of these checks If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Reward Check Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Reward Check Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. FIRST COMMUNITY CREDIT UNION OPERATIONS DEPARTMENT P.O. BOX 2180 JAMESTOWN, NORTH DAKOTA 58402-2180 Business Days: Monday through Friday Excluding Federal Holidays Phone: (000) 000-0000 • 0-000-000-0000 MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST YOUR ABILITY TO WITHDRAW FUNDS This policy statement applies to “transaction” accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Share draft accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from your cash, check, and electronic direct deposits available to you immediately. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 P.M. (cutoff times may be later on some days or at some locations) on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. 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. LONGER DELAYS MAY APPLY In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available immediately. If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. If you do not tell us within 60 days after each statement we provide or made available to you, you may not get back any money that you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry) even if you do not complete a fund transfer.

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 $5,000 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 will be available on the 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 $5,000 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged also impose a fee for overdrafts created by deposited items that are returned. See our Personal 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. 22 PERSONAL BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 23 PERSONAL BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ELECTRONIC BANKING AGREEMENT ELECTRONIC FUNDS TRANSFER DISCLOSURE TERMS & CONDITIONS PERSONAL ONLINE BANKING Online banking and bill payment are free of charge. 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, Cambridge Trust does impose an ATM network fee for transactions at non-Cambridge Trust Company ATMs except as noted under the Relationship Accounts and Checking Accounts section. 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 Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, $2.50 monthly, per account International Mailing Address Instruction paper statements, monthly, per account $5 Stop Payment $30 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 Bill paying (per manual payment) even if you do not complete $20 Access to bulk storage (per visit) $10 Wire transfer Wire trans domestic $30 Wire trans intrl $45 Wire trans incoming $12 International draft $40 Account closing early $50 (within six months of opening) Bond coupons returned unpaid $20 Check printing variable Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 MasterCard® International Assessment Fee 2% of the U.S. Dollar This disclosure includes information about your electronic funds transfers at Cambridge Trust Company and should be read in conjunction with the other disclosures contained in our Account Information packet. Please speak with a fund transferClient Service Advisor, visit our website (xxx.xxxxxxxxxxxxxx.xxx), or telephone our PrivateLINE at (617) 254-BANK (2265) or (000) 000-0000 for current interest rates and Annual Percentage Yields.

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 $5,000 5,525 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 5,525 will be available on the 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 $5,000 5,525 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged also impose a fee for overdrafts created by deposited items that are returned. See our Personal 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. This page intentionally left blank. This page intentionally left blank. How to Contact Us We’re here to help you personally with anything you need, including choosing the account that’s right for you. To get in touch with us, please: Call (000) even if you do not 000-0000 Email xxx@xxxxxxxxxxxxxx.xxx Visit Our Website XxxxxxxxxXxxxx.xxx Access Private Line Telephone Banking (000) 000-XXXX (2265) or (000) 000-0000 Stop by Your Local Office For a complete a fund transfer.list of our locations, go to xxx.XxxxxxxxxXxxxx.xxx/xxxxxxxxx ATM Networks Worldwide

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 $5,000 5,525 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 5,525 will be available on the 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 $5,000 5,525 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged also impose a fee for overdrafts created by deposited items that are returned. See our Personal 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. 22 FUNDS AVAILABILITY DISCLOSURE PERSONAL BANKING FEE SCHEDULE The Fee Schedule is part of your Account Agreement. Online banking and bill payment are free of charge. International Mailing Address Instruction $5 paper statements, monthly, per account SUMSM PROGRAM Stop Payment $30 Cambridge Trust Company is a member of the SUMSM Treasurer’s check: Program. Additional ATM surcharges will not be imposed on Cambridge Trust clients who use their cards at SUM- Client $5 designated ATMs. However, Cambridge Trust does impose Non-client $7 an ATM network fee for transactions at non-Cambridge Bank money order $2 Trust Company ATMs except as noted under the Research: hourly fee $25 Escheatment fee $100 INCOMING WIRE INSTRUCTIONS Levy/attachment processing fee up to $50 Wire to: Bill paying (per manual payment) even if $20 Cambridge Trust Company Access to bulk storage (per visit) $10 PERSONAL ONLINE BANKING Relationship Accounts and Checking Accounts section. 0000 Xxxxxxxxxxxxx Xxxxxx Cambridge, MA 02138 USA ABA Routing Number: 0000-0000-0 SWIFT Code: XXXXXX00 For Credit To: Provide client name and account number OTHER FEES Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Interim statement $25 MasterCard® Inthe U.S. Duplicate paper Statement Instruction, monthly, per account $2.50 Dollar Paper Statement instruction fee(Waived when you do not complete enroll in Online Banking with eStatements) $2 Collection item - Other $30 Wire transfer Outgoing Wire transfer domestic $30 Wire transfer international $45 Incoming Wire transfer $12 International draft $40 Account closing early $50 (within six months of opening) Bond coupons returned unpaid $20 Check printing variable Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 ternational Assessment Fee 2% of XxxxxxxxxXxxxx.xxx/XxxxxxxXxxxxxxxxXxxx 000-000-0000 23 ELECTRONIC BANKING AGREEMENT ELECTRONIC FUNDS TRANSFER DISCLOSURE TERMS & CONDITIONS This disclosure includes information about your electronic funds transfers at Cambridge Trust Company and should be read in conjunction with the other disclosures contained in our Account Information packet. Please speak with a fund transferClient Service Advisor, visit our website (XxxxxxxxxXxxxx.xxx), or telephone our PrivateLINE at (617) 254-BANK (2265) or (000) 000-0000 for current interest rates and Annual Percentage Yields.

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 $5,000 5,525 of a day’s total deposits of treasurer’s, cashier’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 you (and you may have to use a special deposit slip)deposit. The excess over $5,000 5,525 will be available on the 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 $5,000 5,525 will not be available until the second business day after 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. ELECTRONIC FUND TRANSFER INITIAL DISCLOSURE CONSUMER’S LIABILITY. You will tell us AT ONCE if you believe your card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, you will tell us at once. OVERDRAFTS If you do not tell us within 60 days after each statement 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 provide may return the check or made available reject the transaction without payment. Our policy is to youdecline to process any ATM 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 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 get back any money that you lost after be posted until the 60 days if we can prove that we could have stopped someone from taking end of the money if you had told us in timebusiness day. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. When you use an ATM not owned by us, you We may be charged a fee by the ATM operator or any network used (and you may be charged also impose a fee for overdrafts created by deposited items that are returned. See our Personal 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 balance inquirylater time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. PERSONAL BANKING FEE SCHEDULE The Fee Schedule is part of your Account Agreement. PERSONAL ONLINE BANKING Online banking and bill payment are free of charge. 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, Cambridge Trust does impose an ATM network fee for transactions at non-Cambridge Trust Company ATMs except as noted under the Relationship Accounts and Checking Accounts section. 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 Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, $2.50 monthly, per account Paper Statement instruction fee $2 (Waived when you enroll in Online Banking with eStatements) even if you do not complete International Mailing Address Instruction $5 paper statements, monthly, per account Stop Payment $30 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 Bill paying (per manual payment) $20 Access to bulk storage (per visit) $10 Wire transfer Outgoing Wire transfer domestic $30 Wire transfer international $45 IncomingWire transfer $12 International draft $40 Account closing early $50 (within six months of opening) Bond coupons returned unpaid $20 Check printing variable Coin counting$0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 MasterCard® International Assessment Fee 2% of the U.S. Dollar ELECTRONIC BANKING AGREEMENT ELECTRONIC FUNDS TRANSFER DISCLOSURE TERMS & CONDITIONS This disclosure includes information about your electronic funds transfers at Cambridge Trust Company and should be read in conjunction with the other disclosures contained in our Account Information packet. Please speak with a fund transferClient Service Advisor, visit our website (XxxxxxxxxXxxxx.xxx), or telephone our PrivateLINE at (617) 254-BANK (2265) or (000) 000-0000 for current interest rates and Annual Percentage Yields.