Common use of Transaction Limitations Clause in Contracts

Transaction Limitations. You may not make any deposits into your account before maturity. • You may not make withdrawals of principal from your account before maturity. • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. • If Your Account Has an Original Maturity of More Than One Year: The fee we may impose will equal six (6) months interest on the amount withdrawn subject to penalty. • Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – • If Your Account Has an Original Maturity of One Year or Less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty. • If your account has an Original Maturity of More Than One Year: The fee we may impose will equal six (6)months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar days after maturity to withdraw the funds without a penalty.

Transaction Limitations. You may not make any deposits into your account before maturity. • You may not make withdrawals of principal from your account before maturitymaturity only if we agree at the time you request the withdrawal. • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. • If Your Account Has an Original Maturity of More Than One Year: The fee we may impose will equal six (6) months interest only on the amount withdrawn subject to penaltycrediting dates. • Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – • If Your Account Has your account has an Original Maturity original maturity of One Year one year or Lessless: The fee we may impose will equal three months interest on the amount withdrawn subject to penaltywithdrawn. • If your account has an Original Maturity original maturity of More Than One Yearmore than one year but less than 5 years: The fee we may impose will equal six (6)months months interest on the amount withdrawn subject to penaltywithdrawn. If your account has an original maturity of 5 or more years: The fee we may impose will equal twelve months interest on the amount withdrawn. In certain circumstances circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. 10 Month CD 6 Month CD 26 Month Bump CD 24 Month CD 49 Month CD 12 Month CD The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar calendar days after maturity to withdraw the funds without a penaltypenalty For the 26-Month Bump CD term only, if the bank offers a higher APY for the same term Certificate during the initial term of your CD Bump Rate Special, customer may contact the bank and request to bump (increase) the APY for the certificate through the remainder of the initial term. Maturity Date: For current rate information visit xxx.xxxxxxxxxxxxxxxxx.xxx. IF YOU RECEIVE THIS DISCLOSURE AT THE TIME YOU ARE OPENING A WASHINGTON SAVINGS BANK CERTIFICATE OF DEPOSIT WITH US, THE FOLLOWING INFORMATION APPLIES: The Interest Rate(s) and Annual Percentage Yield(s) are the initial rates that apply to your account(s). A COMPLETE LIST OF FEES THAT MAY BE ASSESSED FOR SERVICE PROVIDED ARE AVAILABLE IN A SEPARATE DISCLOSURE TITLED SCHEDULE OF FEES. Member FDIC Member DIF (04/2018) ELECTRONIC FUND TRANSFERS (EFTs) YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Business Days For purposes of these disclosures, our business days are Monday through Friday, excluding holidays. Our business hours are 9:00am to 4:00pm Monday through Wednesday, 9:00am to 6:00pm Thursday and Friday.

Transaction Limitations. You The Credit Union reserves the right to require a member intending to make a withdrawal from any Account (except a Checking Account) to give written notice of such intent not fewer than seven days and up to 60 days before such withdrawal. We currently do not exercise this right and we have not exercised it in the past. The $1 membership share in your Primary Savings Account may not be withdrawn unless your Credit Union membership is terminated. Transaction limits as well as corresponding fees and penalties are enforced and charged, respectively, at our discretion, which means we may make exceptions. However, in the event we waive transaction limits, fees or penalties, we do not waive the right to enforce the limitation or charge the fee or penalty for future transactions. Please see the below products (Money Market Accounts, Traditional IRA and XXXX XXX Savings and Certificate Accounts) for our transaction limitations. Money Market Accounts - During any calendar month, you may not make any deposits into more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized transfer, automatic transfer, or a telephonic order or instruction. Automatic transfers include audio response and home banking transfers to other Accounts of yours. Unlimited withdrawals and transfers may be completed from your account before maturitySavings and Money Market Accounts each month at our branch locations or by mail, and through ATMs where permitted. • You Withdrawals or transfers that exceed the maximum number permitted may be declined or subject to fees. Traditional IRA and Xxxx XXX Savings and Certificate Accounts - Annual contributions to IRA and Xxxx XXX Accounts are limited to the maximum amount allowed by federal law. Early withdrawals from IRA and Xxxx XXX Accounts may be subject to additional taxes imposed by the Internal Revenue Service. Please consult a qualified tax professional for more information. Certificate Accounts – Additions to the principal may not make withdrawals of principal from your account before maturity. • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time be made during the term of crediting a Certificate Account. Additions to certificate principal are allowable at maturity or during the 10-day grace period. In addition, early withdrawal penalties may apply to partial or full withdrawals. The depositor does not have a right and is not permitted to make withdrawals from a certificate account within six days after it is credited the date of deposit. Please refer to your accountthe Certificate Account disclosures below for more information. • If Your Account Has an Original Maturity of More Than One Year: The fee Transaction limits as well as corresponding fees and penalties are enforced and charged, respectively, at our discretion, which means we may make exceptions. However, in the event we waive transaction limits, fees or penalties, we do not waive the right to enforce the limitation or charge the fee or penalty for future transactions. Features of Certificate Accounts (Information is applicable to both Certificate and IRA Certificate Accounts) Maturity Date - The date your certificate matures and can withdraw funds without penalty. Term – The amount of time your Certificate is active. This is measured in months beginning the date of initial purchase or renewal date. Early Withdrawal Penalties – We will impose a penalty if you close your Certificate/IRA Certificate Account before maturity. The penalty will be equal six (6) months interest to the earnings on the amount withdrawn subject to penaltyfrom the Certificate/IRA Certificate for the number days listed below, whether earned or not. • Early withdrawal penalties (a The penalty may on partial withdrawals will be imposed for withdrawals before maturity) – • If Your Account Has an Original Maturity of One Year or Less: The fee assessed on the principal portion being withdrawn, not the dividends earned. In some cases, we may impose will equal three months interest on waive the amount withdrawn subject to penalty. • If your account has an Original Maturity of More Than One Year: The fee we may impose will equal six (6)months interest on the amount withdrawn subject to penalty. In certain circumstances early withdrawal penalty such as the death or incompetence incompetency of an owner of this accountAccount Owner or, for IRA Certificates, the law permitsIRA owner is of Required Minimum Distribution (RMD) age and is satisfying their RMD from a Traditional IRA Certificate. 6 to 11 months 30 days 12 to 23 months 60 days 24 to 35 months 120 days 36 to 47 months 180 days 48 to 59 months 240 days 60 to 71 months 300 days 72 to 83 months 360 days 84 months 420 days Dividends – At Account opening, you may choose to have Certificate Account dividends credited to your Savings, Checking, or Money Market Account or credited to your Certificate Account. Once you elect a dividend-payment option, it may not be changed until the Certificate matures. The Annual Percentage Yields disclosed for Certificate Accounts are based on an assumption that the dividends will be credited to and remain in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit Certificate Account until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account Renewal Policy –Certificate Accounts will automatically renew at maturity. You may prevent renewal if Following the Certificate’s maturity, you will have a 10 calendar day grace period to add or withdraw funds or to change the funds in term of the account Certificate without being charged an early withdrawal penalty. If your Certificate is pledged as loan collateral and, unless you make arrangements prior to maturity, the balance of your Certificate Account will be applied to your loan at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term and any remaining amount will be the same as the original termdeposited to your Savings Account. Account Restrictions Accounts are non-transferable and non-negotiable. Funds in your Accounts may not be pledged to secure any obligation of yours, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar days after maturity except for those obligations owed to withdraw the funds without a penaltyXxxxxxxx-Xxxxxx Federal Credit Union.

Transaction Limitations. See Section 5 of this Agreement and the Fee Schedule for Personal Accounts for more information about these limitations. 3(c) ADDITIONAL CERTIFICATE OF DEPOSIT ACCOUNT TERMS Time Deposits/Certificates of Deposit Time deposits include deposits that are payable either on a specified date or at the expiration of a specified time no less than seven (7) days after the date of deposit. We refer to a time deposit Account as a certificate of deposit or CD. This Agreement applies to all consumer CDs, including those opened under your IRA or ESA. See the Account agreements and associated disclosures for additional terms of these Accounts. Your certificate of deposit is governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. It is also governed by the terms of this Account Agreement and the terms of any certificate of deposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement Account, there may be a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or principal prior to maturity may not make any deposits into your account before maturitybe permitted only in accordance with laws and regulations and the Bank’s rules in effect. • You may not make withdrawals of principal from your account before maturity. • You can only withdraw interest credited in the term before Grace Period We offer a grace period upon maturity of that term your CD. During the grace period, a CD may be redeemed without penalty, or it may be renewed retroactive to its maturity date. You can withdraw interest any time If you add funds to a CD IRA during the term of crediting after it is credited to your account. • If Your Account Has an Original Maturity of More Than One Year: The fee grace period, we may impose will equal six (6) months pay interest on the amount withdrawn subject to penaltynew balance effective the date the additional funds were deposited. Interest is not earned during the grace period if the CD is redeemed. • Early withdrawal penalties CDs with an original term of 31 days or less have a three (a penalty may be imposed for withdrawals before maturity3) – • If Your Account Has an Original Maturity of One Year or Less: The fee we may impose will equal three months interest on the amount withdrawn subject to penaltycalendar day grace period. • If your account has CDs with an Original Maturity of More Than One Year: The fee we may impose will equal six original term greater than 31 days have a ten (6)months interest on the amount withdrawn subject to penalty10) calendar day grace period. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account Automatic Renewal Your CD will automatically renew at maturitymaturity for a time period equal to the original term unless we notify you otherwise, in writing. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, The interest will not accrue after final maturity. Each rate and APY for each renewal term will be the same as the original term, beginning on the maturity date. The standard interest rate will be the same we offer on new time deposits and APY currently offered on the maturity date which have unless we notify you otherwise, in writing. Transaction Limitations You may make additional deposits to a CD IRA during the same term, minimum balance (if any) and other features as the original time depositgrace period. You will have ten (10)calendar days after maturity may not otherwise make deposits until maturity. If a withdrawal reduces the balance below the minimum deposit requirement, it may be necessary to withdraw redeem the funds without a penaltyentire CD.

Transaction Limitations. You The Credit Union reserves the right to require a member intending to make a withdrawal from any Account (except a Checking Account) to give written notice of such intent not fewer than seven days and up to 60 days before such withdrawal. We currently do not exercise this right and we have not exercised it in the past. The $1 membership share in your Primary Savings Account may not be withdrawn unless your Credit Union membership is terminated. Transaction limits as well as corresponding fees and penalties are enforced and charged, respectively, at our discretion, which means we may make exceptions. However, in the event we waive transaction limits, fees or penalties, we do not waive the right to enforce the limitation or charge the fee or penalty for future transactions. Please see the below products (Money Market Accounts, Traditional IRA and XXXX XXX Savings and Certificate Accounts) for our transaction limitations. Money Market Accounts - During any calendar month, you may not make any deposits into more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized transfer, automatic transfer, or a telephonic order or instruction. Automatic transfers include audio response and home banking transfers to other Accounts of yours. Unlimited withdrawals and transfers may be completed from your account before maturitySavings and Money Market Accounts each month at our branch locations or by mail, and through ATMs where permitted. • You Withdrawals or transfers that exceed the maximum number permitted may be declined or subject to fees. Traditional IRA and Xxxx XXX Savings and Certificate Accounts - Annual contributions to IRA and Xxxx XXX Accounts are limited to the maximum amount allowed by federal law. Early withdrawals from IRA and Xxxx XXX Accounts may be subject to additional taxes imposed by the Internal Revenue Service. Please consult a qualified tax professional for more information. Certificate Accounts – Additions to the principal may not make withdrawals of principal from your account before maturity. • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time be made during the term of crediting a Certificate Account. Additions to certificate principal are allowable at maturity or during the 10-day grace period. In addition, early withdrawal penalties may apply to partial or full withdrawals. The depositor does not have a right and is not permitted to make withdrawals from a certificate account within six days after it the date of deposit. Please refer to the Certificate Account disclosures below for more information. Features of Certificate Accounts (Information is credited applicable to both Certificate and IRA Certificate Accounts) Maturity Date - The date your accountcertificate matures and can withdraw funds without penalty. • If Your Term – The amount of time your Certificate is active. This is measured in months beginning the date of initial purchase or renewal date. Early Withdrawal Penalties – We will impose a penalty if you close your Certificate/IRA Certificate Account Has an Original Maturity of More Than One Year: before maturity. The fee we may impose penalty will be equal six (6) months interest to the earnings on the amount withdrawn subject to penaltyfrom the Certificate/IRA Certificate for the number days listed below, whether earned or not. • Early withdrawal penalties (a The penalty may on partial withdrawals will be imposed for withdrawals before maturity) – • If Your Account Has an Original Maturity of One Year or Less: The fee assessed on the principal portion being withdrawn, not the dividends earned. In some cases, we may impose will equal three months interest on waive the amount withdrawn subject to penalty. • If your account has an Original Maturity of More Than One Year: The fee we may impose will equal six (6)months interest on the amount withdrawn subject to penalty. In certain circumstances early withdrawal penalty such as the death or incompetence incompetency of an owner of this accountAccount Owner or, for IRA Certificates, the law permitsIRA owner is of Required Minimum Distribution (RMD) age and is satisfying their RMD from a Traditional IRA Certificate. 6 to 11 months 30 days 12 to 23 months 60 days 24 to 35 months 120 days 36 to 47 months 180 days 48 to 59 months 240 days 60 to 71 months 300 days 72 to 83 months 360 days 84 months 420 days Dividends – At Account opening, you may choose to have Certificate Account dividends credited to your Savings, Checking, or Money Market Account or credited to your Certificate Account. Once you elect a dividend-payment option, it may not be changed until the Certificate matures. The Annual Percentage Yields disclosed for Certificate Accounts are based on an assumption that the dividends will be credited to and remain in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit Certificate Account until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account Renewal Policy –Certificate Accounts will automatically renew at maturity. You may prevent renewal if Following the Certificate’s maturity, you will have a 10 calendar day grace period to add or withdraw funds or to change the funds in term of the account Certificate without being charged an early withdrawal penalty. If your Certificate is pledged as loan collateral and, unless you make arrangements prior to maturity, the balance of your Certificate Account will be applied to your loan at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term and any remaining amount will be the same as the original termdeposited to your Savings Account. Account Restrictions Accounts are non-transferable and non-negotiable. Funds in your Accounts may not be pledged to secure any obligation of yours, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar days after maturity except for those obligations owed to withdraw the funds without a penaltyXxxxxxxx-Xxxxxx Federal Credit Union.

Transaction Limitations. You may not make any deposits into your account before maturity. • You may not make withdrawals of principal from your account before maturitymaturity only if we agree at the time you request the withdrawal. • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. • If Your Account Has an Original Maturity of More Than One Year: The fee we may impose will equal six (6) months interest only on the amount withdrawn subject to penaltycrediting dates. • Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – • If Your Account Has your account has an Original Maturity original maturity of One Year one year or Lessless: The fee we may impose will equal three months interest on the amount withdrawn subject to penaltywithdrawn. • If your account has an Original Maturity original maturity of More Than One Yearmore than one year but less than 5 years: The fee we may impose will equal six (6)months months interest on the amount withdrawn subject to penaltywithdrawn. If your account has an original maturity of 5 or more years: The fee we may impose will equal twelve months interest on the amount withdrawn. In certain circumstances circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. 26 Month Bump CD 24 Month CD 49 Month CD 12 Month CD The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar calendar days after maturity to withdraw the funds without a penaltypenalty For the 26-Month Bump CD term only, if the bank offers a higher APY for the same term Certificate during the initial term of your CD Bump Rate Special, customer may contact the bank and request to bump (increase) the APY for the certificate through the remainder of the initial term. Maturity Date: For current rate information visit xxx.xxxxxxxxxxxxxxxxx.xxx. IF YOU RECEIVE THIS DISCLOSURE AT THE TIME YOU ARE OPENING A WASHINGTON SAVINGS BANK CERTIFICATE OF DEPOSIT WITH US, THE FOLLOWING INFORMATION APPLIES: The Interest Rate(s) and Annual Percentage Yield(s) are the initial rates that apply to your account(s). A COMPLETE LIST OF FEES THAT MAY BE ASSESSED FOR SERVICE PROVIDED ARE AVAILABLE IN A SEPARATE DISCLOSURE TITLED SCHEDULE OF FEES. Member FDIC Member DIF (04/2018) ELECTRONIC FUND TRANSFERS (EFTs) YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Business Days For purposes of these disclosures, our business days are Monday through Friday, excluding holidays. Our business hours are 9:00am to 4:00pm Monday through Wednesday, 9:00am to 6:00pm Thursday and Friday.

Transaction Limitations. We will impose a fee each time You withdraw any of the funds from Your Account prior to Your attaining 59-1/2 years of age. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. SPECIFIC TERMS APPLICABLE TO YOUR TERM SHARE AND IRA TERM SHARE CERTIFICATE ACCOUNTS Fixed Rate Information. These Accounts are subject to a Fixed Rate. For the dividend rate and corresponding APY, refer to xxxxx://xxx.xxxxxx.xxx/rates#share- and-ira-certificates. Minimum Balance Requirements. For the minimum balance required to open these Accounts, refer to xxxxx://xxx.xxxxxx.xxx/rates#share-and-ira-certificates. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed annual percentage yield and to keep Your Account open. Maturity Date. Your Account will mature after the term indicated in xxxxx://xxx.xxxxxx.xxx/rates#share-and-ira-certificates. Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date. For Accounts having a term of 365 days or less, the penalty imposed will equal 90 days of dividends on the amount withdrawn. For Accounts having a term greater than 365 days, the penalty imposed will equal 180 days of dividends on the amount withdrawn. Renewal Policies. Your Account will renew automatically at maturity and You will have a grace period of five business days following the Maturity Date to make deposits and/or withdrawals without penalty. Transaction Limitations. Once Your Account is established, You may not make any deposits into your account before maturityor withdrawals from Your Account. • You may Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not make withdrawals of principal from your account before maturityin good standing, which includes members that have:  a delinquent loan. • You can only withdraw interest credited in  a Primary Share balance below the term before maturity of that term without penalty$5.00 minimum. You can withdraw interest any time during the term of crediting after it is credited to your  an unresolved deposited returned check.  unpaid and uncollected credit union fees.  a negative balance on an account. • If Your Account Has an Original Maturity of More Than One Year: The fee we may impose will equal six (6) months interest on  caused a financial loss to the amount withdrawn subject to penalty. • Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – • If Your Account Has an Original Maturity of One Year or Less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty. • If your account has an Original Maturity of More Than One Year: The fee we may impose will equal six (6)months interest on the amount withdrawn subject to penalty. In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar days after maturity to withdraw the funds without a penaltyCredit Union.

Transaction Limitations. You may not make any deposits into your account before maturity. • You may not make withdrawals of principal from your account before maturity. • You can only withdraw interest credited in the term before maturity of that term without penaltyunless you have selected an Access CD (refer to section titled Access CDs for specific details). You can withdraw interest any time during agree to keep the principal on deposit with us for the term of crediting after it is credited the CD. We reserve the right to refuse early withdrawals from a CD, with or without cause. If, at our discretion, we allow you to withdraw all or part of your account. • If Your Account Has an Original Maturity of More Than One Year: The fee funds at times other than the grace period, we may impose will equal six (6) months interest an early withdrawal penalty on the amount withdrawn subject to penalty. • Early unless the withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – • If Your Account Has an Original Maturity of One Year or Less: The fee we may impose will equal three months interest on the amount withdrawn subject to penalty. • If your account has an Original Maturity of More Than One Year: The fee we may impose will equal six (6)months interest on the amount withdrawn subject to penalty. In certain circumstances such as follows the death or court-declared incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA IRA. It may be necessary to deduct all or other tax-deferred savings plan. Withdrawal a portion of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in penalty from the account principal. (See below for Early Withdrawal Penalties.) In addition, we reserve the right to require a seven (7) day written notice prior to the withdrawal of funds from the account(s) at maturity (or within times other than the grace period mentioned belowor at maturity if the CD is not renewed. You can only withdraw interest before maturity once it has been paid to your CD, or if you make arrangements with us for periodic payments of interest in lieu of crediting, either at the time you open the account or during the ten (10) day grace period at renewal. However, if any) or we receive written notice from you within your account renews automatically, after the grace period mentioned below, your interest is added to your principal balance and is no longer available for withdrawal without penalty. Early Withdrawal Penalties (A penalty may be imposed for withdrawals before maturity) A penalty of seven (7) days simple interest will apply if anyany withdrawals are made within six (6) days of the initial deposit (or last deposit) or within six (6) days of a partial withdrawal. We can prevent renewal if All Early Withdrawal Penalties will be calculated using the current interest rate of the CD. If your account has an original maturity of twenty-nine (29) days or less: • The fee we mail notice may impose will be all interest on the amount withdrawn subject to you at least penalty. If your account has an original maturity of thirty (30) days before maturityup to and including eighty-nine (89) days: • The fee we may impose will equal thirty (30) days or one (1) month of interest on the amount withdrawn subject to penalty. If either you your account has an original maturity of ninety (90) days up to and including three hundred and sixty four (364) days: • The fee we may impose will equal ninety (90) days or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar days after maturity to withdraw the funds without a penalty.three

Transaction Limitations. You The Credit Union reserves the right to require a member intending to make a withdrawal from any Account (except a Checking Account) to give written notice of such intent not fewer than seven days and up to 60 days before such withdrawal. We currently do not exercise this right and we have not exercised it in the past. The $1 membership share in your Primary Savings Account may not be withdrawn unless your Credit Union membership is terminated. Transaction limits as well as corresponding fees and penalties are enforced and charged, respectively, at our discretion, which means we may make exceptions. However, in the event we waive transaction limits, fees or penalties, we do not waive the right to enforce the limitation or charge the fee or penalty for future transactions. Please see the below products (Money Market Accounts, Traditional IRA and XXXX XXX Savings and Certificate Accounts) for our transaction limitations. Money Market Accounts - During any calendar month, you may not make any deposits into more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized transfer, automatic transfer, or a telephonic order or instruction. Automatic transfers include audio response and home banking transfers to other Accounts of yours. If a transaction, payment or transfer presented electronically or over the phone to an external merchant causes your account before maturityAvailable Balance to fall below the minimum requirement of $2500, the transaction will be rejected and returned unpaid. • You Unlimited withdrawals and transfers may be completed from your Savings and Money Market Accounts each month at our branch locations or by mail, and through ATMs where permitted. Withdrawals or transfers that exceed the maximum number permitted may be declined or subject to fees. Traditional IRA and Xxxx XXX Savings and Certificate Accounts - Annual contributions to Traditional and Xxxx XXX Accounts are limited to the maximum amount allowed by federal law. Early distributions from Traditional and Xxxx XXX Accounts may be subject to additional taxes imposed by the Internal Revenue Service. Please consult a qualified tax professional for more information. Certificate Accounts – Additions to the principal may not make withdrawals of principal from your account before maturity. • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time be made during the term of crediting a Certificate Account. Additions to certificate principal are allowable at maturity or during the 10-day grace period. Partial withdrawals of principal or dividends are not permitted during the term of a Share Certificate Account. For Traditional IRA Certificates, partial distributions of principal or dividends are permitted for Required Minimum Distributions (RMD). The depositor does not have a right and is not permitted to make withdrawals from a Certificate Account within six days after it the date of deposit. Please refer to the Certificate Account disclosures below for more information. Features of Certificate Accounts (Information is credited applicable to both Share Certificate and IRA Certificate Accounts). Maturity Date - The date your accountcertificate matures and can withdraw funds without penalty. • If Your Term – The amount of time your Certificate is active. This is measured in months beginning the date of initial purchase or renewal date. Early Withdrawal Penalties – We will impose a penalty if you close your Share Certificate/IRA Certificate Account Has an Original Maturity of More Than One Year: before maturity. The fee we may impose penalty will be equal six (6) months interest to the earnings on the amount withdrawn subject to penaltyfrom the Share Certificate/IRA Certificate for the number days listed below, whether earned or not. • Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – • If Your Account Has an Original Maturity of One Year or Less: The fee In some cases, we may impose will equal three months interest on waive the amount withdrawn subject to penalty. • If your account has an Original Maturity of More Than One Year: The fee we may impose will equal six (6)months interest on the amount withdrawn subject to penalty. In certain circumstances early withdrawal penalty such as for the death or incompetence incompetency of an Account Owner or, for IRA Certificates, when the IRA owner is of this accountRequired Minimum Distribution (RMD) age and is satisfying their RMD from a Traditional IRA Certificate. Certificate Term Days of Earnings 6 to 11 months 30 days 12 to 23 months 60 days 24 to 35 months 120 days 36 to 47 months 180 days 48 to 59 months 240 days 60 to 71 months 300 days 72 to 83 months 360 days 84 months 420 days Dividends – At Account opening, the law permitsyou may choose to have Certificate Account dividends credited to your Savings, Checking, or Money Market Account or credited to your Certificate Account. Once you elect a dividend-payment option, it may not be changed until the Certificate matures. The Annual Percentage Yields disclosed for Certificate Accounts are based on an assumption that the dividends will be credited to and remain in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit Certificate Account until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account Renewal Policy – Certificate Accounts will automatically renew at maturity. You may prevent renewal Following the Certificate’s maturity, you will have a 10 calendar day grace period to add or withdraw funds or to change the term of the Certificate without being charged an early withdrawal penalty. The dividend rate and APY are subject to change if you add or withdraw funds or change the funds in the account at maturity (or within term during the grace period mentioned below, if any) or we receive written notice from you within period. If no changes are made during the grace period mentioned belowperiod, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The interest Certificate rate will be the same we offer on new time deposits rate effective on the current maturity date which have date. If your Certificate is pledged as loan collateral and, unless you make arrangements prior to maturity, the same termbalance of your Certificate will be applied to your loan at maturity and any remaining amount will be deposited to your Savings Account. Account Restrictions Accounts are non-transferable and non-negotiable. Funds in your Accounts may not be pledged to secure any obligation of yours, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar days after maturity except for those obligations owed to withdraw the funds without a penaltyXxxxxxxx-Xxxxxx Federal Credit Union.

Transaction Limitations. You may not make any deposits into your account before maturity. • You may not make withdrawals of principal from your account before maturitymaturity only if we agree at the time you request the withdrawal. • You can only withdraw interest credited in the term before maturity of that term without penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. • If Your Account Has an Original Maturity of More Than One Year: The fee we may impose will equal six (6) months interest only on the amount withdrawn subject to penaltycrediting dates. • Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) – • If Your Account Has your account has an Original Maturity original maturity of One Year one year or Lessless: The fee we may impose will equal three months interest on the amount withdrawn subject to penaltywithdrawn. • If your account has an Original Maturity original maturity of More Than One Yearmore than one year but less than 5 years: The fee we may impose will equal six (6)months months interest on the amount withdrawn subject to penaltywithdrawn. If your account has an original maturity of 5 or more years: The fee we may impose will equal twelve months interest on the amount withdrawn. In certain circumstances circumstances, such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. Withdrawal of Interest Prior to Maturity — The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. Automatically Renewable Time Account — This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least thirty (30) days before maturity. If either you or we prevent renewal, interest will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. 26 Month Bump CD 24 Month CD 49 Month CD 12 Month CD The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance (if any) and other features as the original time deposit. You will have ten (10)calendar calendar days after maturity to withdraw the funds without a penaltypenalty For the 26-Month Bump CD term only, if the bank offers a higher APY for the same term Certificate during the initial term of your CD Bump Rate Special, customer may contact the bank and request to bump (increase) the APY for the certificate through the remainder of the initial term. Maturity Date: For current rate information visit xxx.xxxxxxxxxxxxxxxxx.xxx. If you receive this disclosure at the time you are opening a Washington Savings Bank Certificate of Deposit with us, the following information applies: The Interest Rate(s) and Annual Percentage Yield(s) are the initial rates that apply to your account(s). A complete list of fees that may be assessed for service provided are available in a separate disclosure titled schedule of fees. Member FDIC Member DIF (04/2018) ELECTRONIC FUND TRANSFERS (EFTs)‌ YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Business Days For purposes of these disclosures, our business days are Monday through Friday, excluding holidays. Our business hours are 9:00am to 4:00pm Monday through Wednesday, 9:00am to 6:00pm Thursday and Friday.