Truth-In-Savings Disclosure 3087 N. Alafaya Trail  Orlando, FL 32826 Last Dividend Declaration Date: 10-01-2021 The rates, fees, and terms applicable to your account at the are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time. Rate Schedule – Savings, Money Market, Checking, & IRA Dividend Minimum Minimum Balance Balance Tiers Rate/Annual Balance to Account Name Deposit to Open Computation and Ranges Percentage Yield Obtain the Account Method (APY) Stated APY Membership Share n/a n/a $5.00 n/a n/a $2,499.99 or below 0.10 / 0.10 $0.00 $2,500.00 to $9,999.99 0.10 / 0.10 $2,500.00 $10,000.00 to $24,999.99 0.10 / 0.10 $10,000.00 Money Market $10.00 Daily Balance $25,000.00 to $49,999.99 0.10 / 0.10 $25,000.00 $50,000.00 to $99,999.99 0.10 / 0.10 $50,000.00 $100,000.00 or greater 0.10 / 0.10 $100,000.00 $2,499.99 or below 0.25 / 0.25 $0.00 $2,500.00 to $49,999.99 0.25 / 0.25 $2,500.00 Preferred $50,000.00 to $99,999.99 0.25 / 0.25 $50,000.00 $10.00 Daily Balance Money Market $100,000.00 to $249,999.99 0.25 / 0.25 $100,000.00 $250,000.00 to $999,999.99 0.25 / 0.25 $250,000.00 $1,000,000 or greater 0.25 / 0.25 $1,000,000.00 Freedom Savings n/a 0.05 / 0.05 $10.00 n/a Daily Balance Balances up to $1,000.00 2.002 / 2.021 Emergency Savings $10.00 n/a Daily Balance* Balances $1,000.01 or greater 0.05 / 0.05 to 2.021 See Account Investor Savings n/a 0.55 / 0.55 $10.00 Limitations Daily Balance Below See Account Freedom Signature n/a $10.00 Limitations Daily Balance Savings 0.40 / 0.40 Below IRA Savings n/a 0.05 / 0.05 n/a n/a Daily Balance Simply Savings n/a 0.05 / 0.05 $10.00 n/a Daily Balance Escrow n/a 0.05 / 0.05 n/a n/a Daily Balance Non-Dividend Savings n/a n/a $50.00 n/a n/a Freedom Spending n/a n/a $25.00 n/a n/a Account UCF Student Checking n/a n/a $25.00 n/a n/a $9,999.99 or below 0.01 / 0.01 $0.00 Freedom Preferred $10,000.00 to $24,999.99 0.02 / 0.02 $10,000.00 $25.00 Daily Balance Checking $25,000.00 to $49,999.99 0.03 / 0.03 $25,000.00 $50,000.00 or greater 0.04 / 0.04 $50,000.00 $9,999.99 or below 0.05 / 0.05 $0.00 Freedom Signature $10,000.00 to $24,999.99 0.10 / 0.10 $10,000.00 $25.00 Daily Balance Checking $25,000.00 to $49,999.99 0.15 / 0.15 $25,000.00 $50,000.00 or greater 0.20 / 0.20 $50,000.00 * For the Emergency Savings, dividends will compound monthly and be credited to your account monthly. Except as specifically indicated, the following disclosures apply to all accounts described in this Truth-In-Savings Disclosure. All described accounts are share accounts. Disclosures applicable to time-deposit accounts (Certificates of Deposit) are provided separately below. 1. Rate Information. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Freedom Savings, Emergency Savings, Money Market, Preferred Money Market, Investor Savings, Freedom Signature Savings, IRA Savings, Simply Savings, Escrow, Freedom Preferred Checking, and Freedom Signature Checking, the Dividend Rate and APY may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rates and APY are the rates and yield as of the last dividend declaration date, which is set forth in this Truth-In-Savings Disclosure. The Money Market, Preferred Money Market, Freedom Preferred Checking, and Freedom Signature Checking accounts are Tiered Rate accounts. The balance ranges and corresponding Dividend Rates and APYs applicable to each tier are disclosed in the Rate Schedule. Once a particular range is met, the Dividend Rate and APY for that balance range will apply to the full balance of your account. The Emergency Savings is a Tiered Rate account and will earn the higher disclosed rate only for the account balance that is up to $1,000, while any account balance over $1,000 will earn the lower disclosed rate. For Freedom Signature Savings, an additional 0.10% will be added to the dividend rate for primary account owners who also own an active FAIRWINDS VISA® Signature . If you close your Visa Signature Credit Card, the additional 0.10% rate increase will no longer apply and the dividend rate for your Freedom Signature Savings will revert to the standard rate for that account.

FAIRWINDS Credit Union Truth-In-Savings (1 of 4) October 2020 FCU-1229-03 2. Nature of Dividends. Interest and dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day based on a 365-day year (366-day year during a leap year).Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. 3. Dividend Accrual, Compounding and Crediting. For dividend earning accounts, dividends will accrue on deposits to your account beginning on the day the deposit becomes part of your collected balance. For all dividend earning accounts except the Emergency Savings, dividends will compound on a daily balance and be credited to your account monthly. For the Emergency Savings, dividends will compound monthly and be credited to your account monthly. 4. Membership Share Account; Account Balance Information. As a condition of membership, you must purchase and maintain in your Membership Share account the par value of one full share, $5.00. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are stated in the Rate Schedule. For Freedom Preferred Checking, Freedom Signature Checking, Freedom Savings, Emergency Savings, Money Market Savings and Preferred Money Market Savings accounts, there is a minimum Average Monthly Balance required to avoid a service fee for a calendar month. If the minimum average monthly balance is not met during the calendar month, there will be a service fee as stated in the Service Charge Schedule***. The average monthly balance is calculated by adding the available balance in your account at the end of each day of the period and dividing that figure by the number of days in the period. This fee will be waived if certain conditions as set forth in the Service Charge Schedule*** are satisfied. For UCF Student Checking, Freedom Spending Account and Freedom Signature Savings accounts there is not a minimum Average Monthly Balance required to avoid a service fee for a calendar month. 5. Account Limitations. The Membership Share account is a non-transactional account and represents your ownership in the Credit Union. Any transfer or withdrawal from the Membership Share account must be in the full amount of the account, and, upon such transfer or withdrawal, your membership in the Credit Union will be terminated. In order to open a Preferred Money Market, you must maintain a Freedom Preferred Checking. If you close or convert your Freedom Preferred Checking account to a different checking account, we may convert your Preferred Money Market to a Money Market. In order to open a Freedom Signature Savings, you must maintain a Freedom Signature Checking. If you close or convert your Freedom Signature Checking account to a different checking account, we may convert your Freedom Signature Savings to a Freedom Savings. Following the conversion, all terms, provisions, rates, and fees applicable to Freedom Savings accounts apply. In order to open the Investor , you must maintain a balance of $25,000 or more in investment products offered through CUSO® , L.P.** If your investment balance with CUSO® Financial Services, L.P.** falls below $25,000, we may convert your Investor Savings account to a Freedom Savings account. Following the conversion, all terms, provisions, rates, and fees applicable to Freedom Savings accounts apply. For Freedom Savings, Emergency Savings, Investor Savings, Freedom Signature Savings, Escrow, Simply Savings, Money Market, Preferred Money Market, IRA Savings, and Non Dividend Savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Escrow accounts, transfers or withdrawals are allowed only for the purpose of paying taxes and insurance. The credit union will make all transfers or withdrawals on your behalf. For Simply Savings accounts, you will be charged a fee as disclosed in the Service Charge Schedule*** and, in addition to the foregoing limitations on transfers and withdrawals, the account will not include an ATM or debit card. UCF Student Checking accounts are available only to active University of Central (UCF) students with a valid Student ID Card. A UCF Student Checking account will be converted to a Freedom Spending Account after 5 years or when a UCF student's status changes to non-active, whichever comes first. Following the conversion, all terms, provisions and fees applicable to Freedom Spending Accounts apply. 6. Fees for Overdrawing Accounts. Fees may be imposed on each check, draft, item, preauthorized automatic debit, telephone-initiated withdrawal, or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. If you opt in to the Credit Union’s Premium Overdraft Plus program, fees may also be imposed on each ATM or debit card point of purchase transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction; provided, however, that fees will not be imposed for ATM or debit card point of purchase transaction unless you have opted in to the Credit Union’s Premium Overdraft Plus program. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Service Charge Schedule*** for current fee information. 7. Limitations on Funds Availability for Withdrawal. Any provision of this Truth-in-Savings Disclosure to the contrary notwithstanding, funds deposited into a Money Market, Preferred Money Market, Freedom Savings, Emergency Savings, Investor Savings, Freedom Signature Savings, IRA Savings, Simply Savings, Escrow or Non-Dividend Savings account by an Automated Clearing House electronic funds transfer may not be made available for your withdrawal and use, and may be held by us, in our sole discretion, for a period of sixty-five (65) days following the date the funds are deposited into the account. 8. Current Rates and Fees. The rates and fees in this Rate Schedule are accurate as of the Last Dividend Declaration Date indicated on this Truth- in-Savings Disclosure. For any questions about current rate and fee information on your accounts, please call the Credit Union. 9. Dormancy. Accounts are classified as dormant after 12 months of inactivity. Dormant accounts may be imposed a fee as set forth in the Service Charge Schedule***. Accounts classified dormant will receive annual statements.

**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS), registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the Credit Union and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. FAIRWINDS Credit Union has contracted with CFS to make non-deposit investment products and services available to Credit Union members. ***To access the latest Service Charge Schedule, please visit https://www.fairwinds.org/personal/banking-services/service-charges.html

FAIRWINDS Credit Union Truth-In-Savings (2 of 4) October 2020 FCU-1229-03

The rates, fees, and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these accounts from time to time.

Rate Schedule – Certificates of Deposit Terms Interest Annual Minimum Interest Interest Additional Withdrawal Renewable Rate Percentage Deposit Compounded Credited Deposit Yield (APY) Opening % Terms for Standard Certificate of Deposit Accounts (available for IRA accounts)

3 Month 0.10 0.10 Allowed – see Limitations on 6 Month 0.20 0.20 Funds Availability for 12 Month 0.30 0.30 Withdrawal; Automatic Early Renewal for 24 Month 0.40 0.40 $1,000 Daily Monthly Not Allowed Withdrawals Same Term Penalty 36 Month 0.50 0.50 sections below 48 Month 0.60 0.60

60 Month 0.70 0.70 Terms for Standard Add-On Certificate of Deposit Accounts (not available for IRA accounts)

6 Month Add-On 0.20 0.20 Allowed – see Allowed Limitations on 12 Month Add-On Funds 0.30 0.30 Automatic Availability for Renewal for Monthly $100 Daily Withdrawal; Same Term Allowed – see Early My First Withdrawals My First Home Home Savings Penalty 0.30 0.30 Savings Account section Limitations section

Except as specifically described, the following disclosures apply to all of the Certificate of Deposit and IRA Certificate of Deposit accounts. 1. Rate Information. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of interest to be paid on an account based on the interest rate and frequency of compounding for an annual period. For all Certificate of Deposit accounts, refer to the Rate Schedule above for current rate and APY information. For all Certificate of Deposit accounts, the Interest Rate and APY are fixed and will be in effect for the initial term of the account. For accounts subject to interest compounding, the APY is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings. 2. Interest Compounding and Crediting. The compounding and crediting frequency of interest applicable to each account is stated in the Rate Schedule above. For all accounts, you may choose to have interest credited to your account monthly or at maturity. At your option, credited interest may be added to your account balance, may be paid to you by check, or may be paid to another credit union account of yours. 3. Balance Information. The minimum balance requirements applicable to each account are set forth in the above Rate Schedule. To open any account, you must purchase and maintain in your Membership Share account the par value of one full share, which is $5.00. Some accounts may have additional minimum opening deposit requirements. For all accounts, interest is calculated by the Daily Balance method, which applies a periodic rate to the balance in the account each day. 4. Accrual of Interest. For all accounts, interest will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. 5. Maturity. Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice. 6. My First Home Savings Account Limitations. The My First Home Savings account is a certificate of deposit with a 12-month term. You may make unlimited deposits to the account at any time. When the balance of the My First Home Savings account is used as a down payment for the purchase of a primary residence financed through FAIRWINDS, you will be eligible to receive one $1500.00 closing cost credit* if all of the following conditions are met: (i) You finance a conventional mortgage with FAIRWINDS Credit Union. Other types of programs are excluded. (ii) Your My First Home Savings account is open at least 12 months prior to home purchase. (iii) The My First Home Savings funds are used as a down payment on your primary residence. (iv) You deposit a cumulative total of at least $100.00 into the account each month (You may skip the $100.00 deposit only one month per calendar year in order to maintain eligibility for the closing cost credit). (v) You have not made any withdrawals from your My First Home Savings account.

FAIRWINDS Credit Union Truth-In-Savings (3 of 4) October 2020 FCU-1229-03

The maximum My First Home Savings closing cost credit per mortgage loan is $1500.00. This offer cannot be combined with any other closing cost offer FAIRWINDS provides. If the mortgage is paid off in the first three years, the closing cost credit must be repaid. 7. Limitations on Funds Availability for Withdrawal. For all accounts, including the My First Home Savings Account, funds deposited by an Automated Clearing House electronic funds transfer may not be made available for your withdrawal and use, and may be held by us, in our sole discretion, for a period of sixty-five (65) days following the date the funds are deposited into the account. 8. Early Withdrawal Penalty. For all accounts, including the My First Home Savings Account, an early withdrawal penalty set forth below will be imposed for withdrawals made prior to maturity. We may require you to withdraw the full balance of your certificate and impose an early withdrawal penalty if requesting a withdrawal prior to maturity. 9. Amount of Penalty for Early Withdrawal. For all accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: • Terms of 3 months or less = 1 month’s interest • Terms of 12 months to 24 months = 6 months’ interest • Terms of 4 months to 11 months = 3 months’ interest • Terms of 25 months or longer = 9 months’ interest 10. How the Early Withdrawal Penalty Works. The penalty is calculated as a forfeiture of part of the interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal. 11. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: (i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction; (ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple interest earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 70 ½ or is withdrawing required beneficiary payments from an inherited IRA. The early withdrawal penalties will be waived for the amount representing the required minimum distribution at this Credit Union only. Amounts withdrawn in excess of the required minimum distribution may be subject to the early withdrawal penalties outlined above. The early withdrawal penalty is not waived if the IRA participant transfers or rolls over the funds, prior to maturity, to another financial institution, or redeems the investment prior to maturity for the purpose of reissuing the investment with the credit union to obtain a higher rate; or (iii) Where the account is a My First Home Savings and the owner provides us with proof of an active home purchase contract for a primary residence at the time of withdrawal. 12. Renewal Policy. The renewal policy for your account is stated in the above Rate Schedule. For all Certificate of Deposit accounts listed above, your account will automatically renew for another term of the same length upon maturity. 13. Grace Period. For all Certificate of Deposit accounts, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. 14. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. 15. Effective Date. The rates appearing in this Schedule are accurate as of the Effective Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please call the Credit Union at 407-277-5045 or please stop by any branch to inquire.

FAIRWINDS Credit Union Truth-In-Savings (4 of 4) October 2020 FCU-1229-03

Rates and Yields accurate as of ______10-01-2021 Call (407) 277-5045 for current rate information.

Business Savings Accounts Schedule of Interest

Minimum Annual Balance to Earn Minimum Frequency Interest Additional Interest Interest Type of Account Percentage Annual Deposit of Rate Rate Deposit Compounded Credited Yield (APY) Percentage Opening Change Yield

Business Access Savings 0.05 0.05 $0.01 $100.00 Allowed Variable Daily End of Month Business Signature Savings $49,999.99 or below 0.20 0.20 $0.01 $50,000.00 - $249,999.99 0.20 0.20 $50,000.00 $250,000.00 - $999,999.99 0.20 0.20 $250,000.00 $100.00 Allowed Variable Daily End of Month $1,000,000.00 - $2,499,999.99 0.20 0.20 $1,000,000.00 $2,500,000.00 + 0.20 0.20 $2,500,000.00 Business Money Market $4,999.99 or below 0.10 0.10 $0.01 $5,000.00 - $9,999.99 0.10 0.10 $5,000.00 $10,000.00 - $24,999.99 0.10 $10,000.00 0.10 $100.00 Allowed Variable Daily End of Month $25,000.00 - $49,999.99 0.10 0.10 $25,000.00 $50,000.00 - $99,999.99 0.10 0.10 $50,000.00 $100,000.00 + 0.10 0.10 $100,000.00 Business Preferred Money Market $4,999.99 or below 0.15 0.15 $0.01 $5,000.00 - $9,999.99 0.15 0.15 $5,000.00 $10,000.00 - $24,999.99 0.15 $10,000.00 0.15 $100.00 Allowed Variable Daily End of Month $25,000.00 - $49,999.99 0.15 0.15 $25,000.00 $50,000.00 - $99,999.99 0.15 0.15 $50,000.00 $100,000.00 + 0.15 0.15 $100,000.00 Business Certificate of Deposit 3 Month Business Certificate of Deposit 0.10 0.10 $1,000.00 $1,000.00 Fixed Daily End of Month 6 Month Business Certificate of Deposit 0.15 0.15 $1,000.00 $1,000.00 Fixed Daily End of Month 12 Month Business Certificate of Deposit 0.20 0.20 $1,000.00 $1,000.00 Fixed Daily End of Month Not 24 Month Business Certificate of Deposit 0.30 0.30 $1,000.00 $1,000.00 Allowed Fixed Daily End of Month 36 Month Business Certificate of Deposit 0.40 0.40 $1,000.00 $1,000.00 Fixed Daily End of Month 48 Month Business Certificate of Deposit 0.50 0.50 $1,000.00 $1,000.00 Fixed Daily End of Month 60 Month Business Certificate of Deposit 0.60 0.60 $1,000.00 $1,000.00 Fixed Daily End of Month IOTA Checking $99,999.99 or below 0.10 0.10 $0.01 $100,000.00 - $499,999.99 $100,000.00 0.20 0.20 $100.00 Allowed Fixed Daily End of Month $500,000.00 - $999,999.99 0.20 0.20 $500,000.00 $1,000,000.00 + 0.20 0.20 $1,000,000.00

The rates appearing with this Schedule are accurate as of the Last Dividend Declaration Date indicated on this Business Rates Disclosure. If you have any questions or require current rate and fee information on your accounts, please contact the Credit Union.

The rates, fees, and terms applicable to your account at the Credit Union are provided in this Business Rates Disclosure. The Credit Union may offer other rates for these accounts from time to time.

FAIRWINDS Credit Union Truth-In-Savings (1 of 1) October 2020 BUS-2145-04 Consumer Service Charge Schedule Effective November 1, 2020

Freedom Preferred Checking waived with any of the following: Monthly Charge...... $ 10.00 • minimum $1,000 in total monthly direct deposits • $10,000 average monthly combined deposit balance Checking • An investment* account balance $10,000 or greater Accounts Freedom Signature Checking waived with any of the following: Monthly Charge...... $ 25.00 • $25,000 average monthly combined deposit balance • An investment* account balance $25,000 or greater

Emergency Savings waived with any of the following: Monthly Charge...... $ 5.00 • $300 average monthly balance • minimum $25 total monthly transfer/deposit to accounts • $10,000 average monthly combined savings balance • Freedom Signature Checking or Freedom Preferred Checking Freedom Savings waived with any of the following: Monthly Charge...... $ 5.00 • $300 average monthly balance • minimum $25 total monthly transfer/deposit to accounts • $10,000 average monthly combined savings balance Savings • Freedom Signature Checking or Freedom Preferred Checking Accounts Money Market waived with the following: Monthly Charge...... $ 10.00 • $2,500 average monthly balance or greater Preferred Money Market waived with the following: Monthly Charge...... $ 10.00 • $2,500 average monthly balance or greater (Preferred Money Market requires Freedom Preferred Checking) Simply Savings Monthly Charge...... $ 5.00

Other Services Card Services Overdraft (continued) ATM Non-Network Transaction Fee ...... $2.50 each Premium Overdraft Plus ...... $35 each ATM inquiries/transfers/withdrawals at ATMs other than FAIRWINDS, Presto! and Checks, ACH, Debit and ATM transactions CO-OP Network. Refunded for Freedom Signature Checking and refunded up to $10 monthly for Freedom Preferred Checking accounts. Uncollected Funds ...... $35 each Occurs when you make a purchase but your available balance is not enough to Credit & Debit Card Int’l Transaction Fee...... 2% of USD amt cover the purchase. The available balance is your balance minus any holds or debit card authorizations from merchants that may be processed on your account. Deposit Services Wire Services Bad Address ...... $5 per month Incoming Domestic ...... $15 each Dormant Account after 12 Months ...... $10 per month Rebated for Freedom Signature Checking and Freedom Preferred Checking accounts. Account balances under $500 per account Incoming International ...... $20 each IRA Outgoing Direct Transfer Fee ...... $50 each Rebated for Freedom Signature Checking and Freedom Preferred Checking accounts. Return Deposit Items (Due to NSF/UCF) ...... $15 each Outgoing Domestic ...... $25 each Return Deposit Items ...... $35 each Outgoing International ...... $45 each Stop Payment...... $30 each ACH, Bill Payment, or Check is waived for Freedom Signature Checking and Freedom Miscellaneous Preferred Checking accounts. Cashier’s Checks ...... $5 each Overdraft Waived for Freedom Signature Checking and Freedom Preferred Checking accounts. Money Orders ...... $4 each Insufficient Funds (NSF) ...... $35 each Waived for Freedom Signature Checking, Freedom Preferred Checking, and UCF ACH transactions, ATM, check, and everyday debit transactions. Student Checking accounts. Overdraft Transfers ...... $10 per day Verification of Deposit ...... $10 each Waived for Freedom Signature Checking and Freedom Preferred Checking accounts.

Listed above is FAIRWINDS’ Consumer Service Charge Schedule, which sets forth certain conditions, rates, fees, and charges applicable to your accounts. This schedule is incorporated into your Master Account Agreement with FAIRWINDS Credit Union. *Investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), registered broker dealer (Member FINRA/ SIPC) and SEC Registered Investment Advisor.

2020/11/19 © 2020 FAIRWINDS Credit Union FCU-1728 Business Service Charge Schedule Effective January 18, 2021

Business Signature Checking Credit Card Balance Transfer Fee ...... No Charge Monthly Charge ...... $25 Credit Card Cash Advance Fee ...... 4% $10 minimum Waived with $35,000 or greater combined average monthly balance in business Credit Card Foreign Currency Exchange Rate ...... No Charge checking accounts, business savings accounts, business money market accounts, or business CDs. Credit Card Late Fee ...... $39 Deposit and Withdrawal per Item...... $0.25 per item* Credit Card Over Limit ...... $39 *First 500 combined items are free, combined items include checks, Over-limit by 1% or more of the credit line. withdrawals, deposits, and electronic items. Credit Card Returned Payment ...... $30 Business Preferred Checking Debit Card Foreign Currency Exchange Rate ...... 3% of transaction Monthly Charge ...... $15 Waived with $7,500 or greater combined average monthly balance in business Deposit Services checking accounts, business savings accounts, business money market accounts, Dormant Account after 12 Months ...... $10 per month or business CDs. Account balances under $500 ...... per account Deposit and Withdrawal per Item...... $0.35 per item* *First 200 combined items are free, combined items include checks, Return Deposit Items (due to NSF/UCF) ...... $15 each withdrawals, deposits, and electronic items. Return Deposit Items (other than NSF/UCF)...... $35 each Stop Payment ...... $30 each ACH, bill payment, or check Business Checking Monthly Charge ...... No Charge Business Banking Suite Services Deposit and Withdrawal per Item...... $0.50 per item* FAIRWINDS Business Online Suite ...... No Charge *First 25 combined items are free, combined items include checks, withdrawals, Desktop Check Deposit Implementation ...... $35 deposits, and electronic items. Paper Statement ...... $2 per month Desktop Check Deposit Monthly Access...... $20 per month Online ACH/Payroll Exception Item ...... $5 each Additional Business Checking Online ACH/Payroll Implementation ...... $100 Requires Business Signature Checking Online ACH/Payroll Template Assistance ...... $5 each Monthly Charge ...... No Charge All online ACH/payroll services require a FAIRWINDS Business Checking account. Deposit or Withdrawal per Item...... $0.25 per item* Positive Pay with Full Reconciliation Monthly Fee ...... $80 *First 100 combined items are free, combined items include checks, Positive Pay without Full Reconciliation Monthly Fee ...... $40 withdrawals, deposits, and electronic items. Positive Pay Per Item ...... $0.08 Business Analysis Checking Positive Pay Exceptions Reported ...... $5 Monthly Charge ...... $15 Positive Pay Exceptions Returned ...... $15 Deposit and Withdrawal ...... $0.15 per item Overdraft Services Sweep Maintenance ...... $40 per account Insufficient Funds (NSF) ...... $35 each Earning Credit...... Varies* ACH transactions, ATM, check, and everyday debit transactions. *Contact Business Services Overdraft Transfer ...... $10 per day IOTA Checking Waived for Business Signature Checking and Business Analysis Checking. Uncollected Funds ...... $35 each Requires Business Analysis Checking Occurs when you make a purchase but your available balance is not enough to Monthly Charge ...... No Charge cover the purchase. The available balance is your balance minus any holds or debit Deposit and Withdrawal per Item ...... No Charge card authorizations from merchants that may be processed on your account. Wire Services Incoming Domestic ...... $15 each Business Preferred Money Market Rebated for Business Signature Checking. Incoming International ...... $20 each Requires Business Signature Checking, Business Preferred Checking, Rebated for Business Signature Checking. or Business Analysis Checking. Outgoing Domestic ...... $25 each Monthly Charge ...... $10 per month Waived with $5,000 or greater average monthly balance. Outgoing International ...... $45 each Online Wire: Implementation ...... $120 Business Money Market Online Wire: Wire Template Assistance ...... $5 each Monthly Charge ...... $10 per month Online Wire: Outgoing Domestic ...... $10 each Waived with $5,000 or greater average monthly account balance. Online Wire: Outgoing International ...... $20 each Business Signature Savings All online wire services require a FAIRWINDS Business Checking account. Requires Business Signature Checking or Business Analysis Checking. Miscellaneous Monthly Charge ...... No Charge Bad Address ...... $5 per month Business Savings Cash Coin Purchase or Deposit ...... $0.10 per roll Monthly Charge ...... $5 per month Cash Currency Purchase or Deposit ...... $0.10 per $100 (after $5,000) Waived with $500 or greater average monthly account balance. Cashier’s Check ...... $5 each Card Services Money Order ...... $4 each ATM Foreign Transaction Fee ...... $2.50 Verification of Deposit ...... $10 each ATM inquiries/transfers/withdrawals at ATMs other than FAIRWINDS, Presto! and CO-OP Network.

Listed above is FAIRWINDS’ Business Service Charge Schedule, which sets forth certain conditions, rates, fees, and charges applicable to your accounts. This schedule is incorporated into your Business Membership and Account Agreement with FAIRWINDS Credit Union. © 2020 FAIRWINDS Credit Union 2021/01/12 FCU-3773-02