TRUTH-IN-SAVINGS DISCLOSURE Above Is January 31

declaration date is the last day of the dividend period and for the example TRUTH-IN-SAVINGS DISCLOSURE above is January 31. SHARE ACCOUNT If you close your Boost Checking account or Rate Information: Effect of closing account - convert your existing share draft account to the Boost Checking account before The dividend rate and annual percentage yield may change every dividend dividends are paid, you will not receive the accrued dividends. In the month period. We may change the dividend rate for your account as determined by that your Boost Checking account is closed, the qualifying cycle will end on the the credit union board of directors. date the account was closed. Compounding and crediting - Dividends will be compounded every quarter. Minimum balance requirements: Dividends will be credited to your account every quarter. No minimum balance requirements apply to this account. Dividend period - For this account type, the dividend period is quarterly, for Dividends are calculated by example, the beginning date of the first dividend period of the calendar year is Average daily balance computation method - the average daily balance method which applies a periodic rate to the average January 1, and the ending date of such dividend period is March 31. All other daily balance in the account for the period. The average daily balance is dividend periods follow this same pattern of dates. The dividend declaration calculated by adding the balance in the account for each day of the period and date is the last day of the dividend period, and for the example above is dividing that figure by the number of days in the period. The period we use is March 31. the monthly statement cycle. Effect of closing account - If you close your Share account before dividends Dividends will begin to accrue are paid, you will not receive the accrued dividends. Accrual of dividends on noncash deposits - on the business day you place non-cash items (for example, checks) into your Minimum balance requirements: account. The minimum required to open this account is $5.00. Please see the bylaw Transaction limitations: requirements in the Common Features section for additional information. The maximum automated teller machine withdrawal we allow is $500.00 per Daily balance computation method - Dividends are calculated by the daily day. balance method which applies a daily periodic rate to the balance in the The minimum automated teller machine withdrawal we allow is $5.00 per day. account each day. These withdrawal limitations apply to this account in combination with the Accrual of dividends on noncash deposits - Dividends will begin to accrue Share Account. Share draft/checks are the same as cash. Lost or stolen share on the business day you place noncash items (for example, checks) to your drafts should be reported to us immediately. Only one checking account account. allowed per membership number. Transaction limitations: The maximum automated teller machine withdrawal we allow is $500.00 per Qualifications: day. To qualify for the higher dividend rate (up to the balances listed in the The minimum automated teller machine withdrawal we allow is $5.00 per rate sheet), you must meet ALL of these qualifications in the withdrawal. qualifying cycle: • Have at least one direct deposit or multiple direct deposits totaling $900 or The above withdrawal limitation applies to this account in combination with more to your membership in the qualifying cycle. (Remote Deposit Capture Share Draft account(s). transactions do not qualify). Par value of a share: • Receive your monthly statement electronically. The par value of a share in this account is $5.00. • Have 25 debit card transactions post and clear in the qualifying cycle. Only SHARE DRAFT ACCOUNT debit card transactions processed by merchants and received by the credit (Drafts are safekept) union as POS, PIN POS, signature and PAVD qualify. ATM transactions are Rate Information: The dividend rate and annual percentage yield may change every dividend excluded. period. We may change the dividend rate for your account as determined by Qualifying Cycle: Qualifying cycle means a period beginning on the first day of the month and the credit union board of directors. ending on the last day of the month. For example, for the month of November Compounding and crediting - Dividends will be compounded every month. the qualifying cycle would begin on November 1 and end on November 30. Dividends will be credited to your account every month. SAVINGS PLUS ACCOUNT Dividend period - For this account type, the dividend period is monthly, for Rate Information: example, the beginning date of the first dividend period of the calendar year is The dividend rate and annual percentage yield may change every week. We January 1, and the ending date of such dividend period is January 31. All other may change the dividend rate for your account as determined by the credit dividend periods follow this same pattern of dates. The dividend declaration union board of directors. date is the last day of the dividend period, and for the example above is Compounding and crediting - Dividends will be compounded every month. January 31. Dividends will be credited to your account every month. Effect of closing account - If you close your Share Draft account before For this account type, the dividend period is monthly, for dividends are paid, you will not receive the accrued dividends. Dividend period - example, the beginning date of the first dividend period of the calendar year is Minimum balance requirements: January 1, and the ending date of such dividend period is January 31. All other No minimum balance requirements apply to this account. dividend periods follow this same pattern of dates. The dividend declaration Daily balance computation method - Dividends are calculated by the daily date is the last day of the dividend period, and for the example above is balance method which applies a daily periodic rate to the balance in the January 31. account each day. Effect of closing account - If you close your Savings Plus account before Accrual of dividends on noncash deposits - Dividends will begin to accrue dividends are paid, you will not receive the accrued dividends. on the business day you place noncash items (for example, checks) to your account. Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: Dividends are calculated by the daily The maximum automated teller machine withdrawal we allow is $500.00 per Daily balance computation method - balance method which applies a daily periodic rate to the balance in the day. account each day. The minimum automated teller machine withdrawal we allow is $5.00 per Dividends will begin to accrue withdrawal. Accrual of dividends on noncash deposits - on the business day you place noncash items (for example, checks) to your The above withdrawal limitation applies to this account in combination with account. Share account(s). Transaction limitations: Share drafts/checks are the same as cash. Lost or stolen share drafts should be During any statement period, you may not make more than six withdrawals by reported to us immediately. check. If you exceed the transfer limitations set forth above, your account will BOOST CHECKING ACCOUNT be subject to a NSF fee for each check withdrawal in excess of six per Rate Information: statement period, and your account may be subject to closure by the credit The dividend rates and Annual Percentage Yield (APY) may change every union. dividend period. This is a tiered-rate account. The dividend rates are variable and we may change the dividend rates for your account as determined by the CHRISTMAS CLUB ACCOUNT Rate Information: credit union board of directors. The dividend rate(s) and APY for a The dividend rate and annual percentage yield may change every dividend particular month is dependent on your average daily balance and period. We may change the dividend rate for your account as determined by whether or not you meet ALL of the qualifications in a particular the credit union board of directors. qualifying cycle. See our rate sheet for the tiers applicable to this account. Your applicable dividend rate(s) and Annual Percentage Yield Earned (APYE) Compounding and crediting - Dividends will be compounded every quarter. will be disclosed on your statement each month. Dividends will be credited to your account every quarter. For this account type, the dividend period is quarterly, for Compounding and crediting - Dividends will be compounded daily. Dividend period - Dividends will be credited to your account every month in which they are example, the beginning date of the first dividend period of the calendar year is earned. January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration Dividend period - For this account type, the dividend period is monthly. For example, the beginning date of the first dividend period of the calendar year is date is the last day of the dividend period, and for the example above is January 1, and the ending date of such dividend period is January 31. All March 31. other dividend periods follow this same pattern of dates. The dividend Effect of closing account - If you close your Christmas Club account before dividends are paid, you will not receive the accrued dividends.

© 1993 Wolters Kluwer Financial Services, Inc. All rights reserved. TIS-BRO-CU 12/14/93 Custom 4t 201708704-010 EMITIS4 Page 1 of 3 Minimum balance requirements: IRA SHARE ACCOUNT OR COVERDELL EDUCATION No minimum balance requirements apply to this account. SHARE ACCOUNT Daily balance computation method - Dividends are calculated by the daily Rate Information: balance method which applies a daily periodic rate to the balance in the The dividend rate and annual percentage yield may change every week. We account each day. may change the dividend rate for your account as determined by the credit Accrual of dividends on noncash deposits - Dividends will begin to accrue union board of directors. on the business day you place noncash items (for example, checks) to your Compounding and crediting - Dividends will be compounded every quarter. account. Dividends will be credited to your account every quarter. Transaction limitations: Dividend period - For this account type, the dividend period is quarterly, for You may not make any withdrawals or transfers to another credit union example, the beginning date of the first dividend period of the calendar year is account of yours or to a third party by means of a preauthorized or automatic January 1, and the ending date of such dividend period is March 31. All other transfer, telephonic order or instruction, or similar order to a third party. dividend periods follow this same pattern of dates. The dividend declaration If any withdrawal is made from this account before the end of the club period, date is the last day of the dividend period, and for the example above is then this account may be closed. March 31. ALL PURPOSE ACCOUNT Effect of closing account - If you close your IRA share account or Coverdell Rate Information: Education share account before dividends are paid, you will not receive the The dividend rate and annual percentage yield may change every dividend accrued dividends. period. We may change the dividend rate for your account as determined by Minimum balance requirements: the credit union board of directors. The minimum balance required to open this account is $1.00. Compounding and crediting - Dividends will be compounded every quarter. You must maintain a minimum daily balance of $1.00 in your account each day Dividends will be credited to your account every quarter. to obtain the disclosed annual percentage yield. Dividend period - For this account type, the dividend period is quarterly, for Daily balance computation method - Dividends are calculated by the daily example, the beginning date of the first dividend period of the calendar year is balance method which applies a daily periodic rate to the balance in the January 1, and the ending date of such dividend period is March 31. All other account each day. dividend periods follow this same pattern of dates. The dividend declaration Accrual of dividends on noncash deposits - Dividends will begin to accrue date is the last day of the dividend period, and for the example above is on the business day you place noncash items (for example, checks) to your March 31. account. Effect of closing account - If you close your All Purpose account before Transaction limitations: dividends are paid, you will not receive the accrued dividends. The maximum deposit we allow is based on IRS established contribution limits. Minimum balance requirements: The minimum deposit we allow is $1.00 per deposit. No minimum balance requirements apply to this account. The credit union may require you to close this account if you make more than Daily balance computation method - Dividends are calculated by the daily two (2) “non-qualifying” withdrawals during a calendar year. This provision balance method which applies a daily periodic rate to the balance in the will not apply if you are 59 1/2 years of age or older. account each day. You may not make any withdrawals or transfers to another credit union Accrual of dividends on noncash deposits - Dividends will begin to accrue account of yours or to a third party by means of a preauthorized or automatic on the business day you place noncash items (for example, checks) to your transfer, telephonic order or instruction, or similar order to a third party. account. TERM SHARE CERTIFICATE IRA CERTIFICATE OR COVERDELL EDUCATION CERTIFICATE Rate Information - See Term Share Certificate Disclosure Statement for Rate Information - See Term Share Certificate Disclosure Statement for dividend rate, annual percentage yield, compounding frequency, crediting dividend rate, annual percentage yield, compounding frequency, crediting frequency, dividend period, minimum balance and time requirements. frequency, dividend period, minimum balance and time requirements. Effect of closing account - If you close your Term Share Certificate prior to Effect of closing account - If you close your IRA Term Share Certificate or maturity and before dividends are paid, you will not receive the accrued Coverdell Education Certificate prior to maturity and before dividends are paid, dividends. you will not receive the accrued dividends. Daily balance computation method - Dividends are calculated by the daily Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the balance method which applies a daily periodic rate to the balance in the account each day. account each day. Accrual of dividends on noncash deposits - Dividends will begin to accrue Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your on the business day you place noncash items (for example, checks) to your account. account. Transaction limitations: Transaction limitations: After the account is opened, you may not make additions into the account until After the account is opened, you may not make additions into the account until the maturity date stated on the account. the maturity date stated on the account. You may make withdrawals of principal from your account before maturity only You may make withdrawals of principal, and/or dividends, from your account if we agree at the time you request the withdrawal. Principal withdrawn before before maturity only if we agree at the time you request the withdrawal. maturity is included in the amount subject to early withdrawal penalty. Principal, and/or dividends, withdrawn before maturity is included in the You can only withdraw dividends before maturity if you make arrangements amount subject to early withdrawal penalty unless you have attained the age of with us for periodic payments of dividends in lieu of crediting. 59 1/2. Early withdrawal penalties - A penalty may be imposed for withdrawals Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity. Refer to your Term Share Certificate and Disclosure Statement before maturity) - for penalties that may apply. • If your account has an original maturity of one year or less: In certain circumstances such as the death or incompetence of an owner of this The penalty we may impose will equal 30 days dividends on the amount account, the law permits, or in some cases requires, the waiver of the early withdrawn subject to penalty, whether earned or not. withdrawal penalty. Other exceptions may also apply, for example, if this is • If your account has an original maturity of more than one year: part of an IRA or other tax-deferred savings plan. The penalty we may impose will equal 90 days dividends on the amount Withdrawal of dividends prior to maturity - The annual percentage yield is withdrawn subject to penalty, whether earned or not. based on an assumption that dividends will remain in the account until In certain circumstances such as the death or incompetence of an owner of this maturity. A withdrawal will reduce earnings. account, the law permits, or in some cases requires, the waiver of the early Automatically renewable account - If this account will automatically renew withdrawal penalty. Other exceptions may also apply, for example, if this is at maturity, you may prevent renewal if you withdraw the funds in the account part of an IRA or other tax-deferred savings plan. at maturity (or within the grace period mentioned below, if any) or we receive Withdrawal of dividends prior to maturity - The annual percentage yield is written notice from you within the grace period mentioned below, if any. We based on an assumption that dividends will remain in the account until can prevent renewal if we mail notice to you at least 30 calendar days before maturity. A withdrawal will reduce earnings. maturity. If either you or we prevent renewal, dividends will not accrue after Automatically renewable account - This account will automatically renew final maturity. at maturity. You may prevent renewal if we receive written notice from you See Term Share Certificate Terms and Conditions and Disclosure for renewal before maturity of your intention not to renew or you withdraw the funds in the terms. Dividends will be calculated on the same basis as during the original account at maturity (or within the grace period mentioned below, if any). We term. can prevent renewal if we mail notice to you at least 30 calendar days before For Term Share Certificates with automatic renewals, you will have a grace maturity. If either you or we prevent renewal, dividends will not accrue after period of ten calendar days after maturity to withdraw the funds without being final maturity. charged an early withdrawal penalty. Each renewal term will be the same as the original term, beginning on the AMP SHARE CERTIFICATE maturity date. Dividends will be calculated on the same basis as during the Rate information - See AMP Share Certificate and Disclosure Statement for original term. dividend rate, annual percentage yield, compounding frequency, crediting You will have a grace period of ten calendar days after maturity to withdraw frequency, dividend period, minimum balance and time requirements. Jumbo the funds without being charged an early withdrawal penalty. certificate rates do not apply to the AMP Share Certificate.

© 1993 Wolters Kluwer Financial Services, Inc. All rights reserved. TIS-BRO-CU 12/14/93 Custom 4t 201708704-010 EMITIS4 Page 2 of 3 Daily balance computation method - Dividends are calculated by the daily at maturity (or within the grace period mentioned below) or we receive written balance method which applies a daily periodic rate to the balance in the notice from you within the grace period. We can prevent renewal if we mail account each day. notice to you at least 30 calendar days before maturity. If either you or we Effect of closing account - If you close your AMP Share Certificate prior to prevent renewal, dividends will not accrue after final maturity. See AMP Share maturity and before dividends are paid, you will not receive the accrued Certificate and Disclosure Statement for renewal terms. For automatic dividends. renewals, dividends will be calculated on the same basis as during the original Accrual of dividends on noncash deposits - Dividends will begin to accrue term. You will have a grace period of ten (10) calendar days after maturity to on the business day you place noncash items (for example, checks) to your withdraw the funds without being charged an early withdrawal penalty. account. COMMON FEATURES Deposits and limitations - Additional deposits may be made after the initial I/We hereby consent to investigation of my credit in connection with deposit and during the term of the certificate. Deposits to the certificate may application for membership and any other service application. not exceed $50,000. If deposits exceed the $50,000 maximum deposit limit, the Transaction limitation - We reserve the right to at any time require not less excess funds will be transferred to the primary share account. All dividends than seven days notice in writing before each withdrawal from an interest- credited to the account are not subject to the $50,000 maximum deposit limit. bearing account, other than a time deposit or demand deposit, or from any Dividends will continue to compound including in instances where the other savings deposit as defined by Regulation D. certificate balance exceeds $50,000 due to the posting of dividends. Nature of dividends - Dividends are paid from current income and available Other transaction limitations - You may make withdrawals of principal from earnings, after required transfers to reserves at the end of a dividend period. your account before maturity only if we agree at the time you request the (This disclosure further explains the dividend feature of your non-term share withdrawal. Principal withdrawn before maturity is included in the amount account(s).) subject to early withdrawal penalty. National Credit Union Share Insurance Fund - Member accounts in this Early withdrawal penalties - A penalty may be imposed for withdrawals credit union are federally insured by the National Credit Union Share Insurance before maturity. Refer to your AMP Share Certificate and Disclosure Statement Fund. for penalties that may apply. In certain circumstances such as the death or Please refer to our separate fee schedule for additional information about incompetence of an owner of this account, the law permits, or in some cases charges. requires, the waiver of the early withdrawal penalty. Other exceptions may also See attached rate sheet for details about dividend rates and annual percentage apply. yields. Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency

Rev. 01/2021