TABLE OF CONTENTS TERMS AND CONDITIONS OF YOUR ACCOUNT...... 2 Important Important Account Opening Information ...... 2 Agreement ...... 2 Account Bylaws...... 2 Liability ...... 2 Deposits ...... 3 Information for Withdrawals ...... 3 Ownership of Account and Beneficiary Designation ...... 4 Business, Organization and Association Accounts...... 4 Our Members Stop Payments...... 4 Telephone Transfers...... 5 Amendments and Termination...... 5 Notices ...... 5 Statements...... 5 Account Transfer...... 6 Direct Deposits...... 6 Right to Repayment of Indebtedness...... 6 Authorized Signer ...... 6 Restrictive Legends or Indorsements ...... 6 Payment Order of Items...... 6 Pledges ...... 7 Check Processing ...... 7 Check Cashing...... 7 Indorsements ...... 7 Death or Incompetence...... 8 Fiduciary Accounts...... 8 Credit Verification...... 8 Legal Actions Affecting Your Account...... 8 Security ...... 8 Telephonic Instructions ...... 8 Monitoring and Recording Telephone Calls and Consent to Receive Communications ...... 8 Claim of Loss ...... 9 Early Withdrawal Penalties ...... 9 Address or Name Changes...... 9 Terms and Conditions Resolving Account Disputes ...... 9 Waiver of Notices...... 9 Electronic Transfers ACH and Wire Transfers...... 9 Funds Availability Facsimile Signatures...... 10 ELECTRONIC FUND TRANSFERS Truth in Savings YOUR RIGHTS AND RESPONSIBILITIES ...... 10 FUNDS AVAILABILITY POLICY ...... 13 TRUTH-IN-SAVINGS DISCLOSURE ...... 14 Regular and Premium Share Savings Account...... 14 Kids & Teen Club Accounts ...... 14 Online Savings Account...... 15 Share Draft & Junior Checking (Teen) Account...... 15 Share Draft - Better Checking Account...... 15 Share Draft - Basic Checking Account...... 15 HSA Share Draft Account ...... 16 Money Market / Premier Money Market Account...... 16 Amherst • Derry • Manchester • Merrimack • Nashua IRA Share Savings Account...... 16 Share Certificate ...... 16 www.trianglecu.org Share IRA Certificate ...... 17 NCUA Common Features ...... 18

1 DEPOSITS - We will give only provisional credit until collection is final for any TERMS AND CONDITIONS items, other than cash, we accept for deposit (including items drawn “on us”). Before settlement of any item becomes final, we act only as your agent, OF YOUR ACCOUNT regardless of the form of indorsement or lack of indorsement on the item and IMPORTANT ACCOUNT OPENING INFORMATION - Federal law requires us to even though we provide you provisional credit for the item. We may reverse any obtain sufficient information to verify your identity. You may be asked several provisional credit for items that are lost, stolen, or returned. Unless prohibited by questions and to provide one or more forms of identification to fulfill this law, we also reserve the right to charge back to your account the amount of any requirement. In some instances we may use outside sources to confirm the item deposited to your account or cashed for you which was initially paid by the information. The information you provide is protected by our privacy policy and payor bank and which is later returned to us due to an allegedly forged, federal law. unauthorized or missing indorsement, claim of alteration, encoding error or other AGREEMENT - This document, along with any other documents we give you problem which in our judgment justifies reversal of credit. You authorize us to pertaining to your account(s), is a contract that establishes rules which control attempt to collect previously returned items without giving you notice, and in your account(s) with us. Please read this carefully and retain it for future attempting to collect we may permit the payor bank to hold an item beyond the reference. If you sign the signature card or open or continue to use the account, midnight deadline. Actual credit for deposits of, or payable in, foreign currency you agree to these rules. You will receive a separate schedule of rates, qualifying will be at the exchange rate in effect on final collection in U.S. dollars. We are not balances, and fees if they are not included in this document. If you have any responsible for transactions by mail or outside depository until we actually record questions, please call us. them. If you deliver a deposit to us and you will not be present when the deposit is counted, you must provide us an itemized list of the deposit. To process the This agreement is subject to applicable federal laws, the laws of the state of New deposit, we will verify and record the deposit, and credit the deposit to the Hampshire and other applicable rules such as the operating letters of the Federal account. If there are any discrepancies between the amounts shown on the Reserve Banks and payment processing system rules (except to the extent that itemized list of the deposit and the amount we determine to be the actual deposit, this agreement can and does vary such rules or laws). The body of state and we will notify you of the discrepancy. You will be entitled to credit only for the federal law that governs our relationship with you, however, is too large and actual deposit as determined by us, regardless of what is stated on the itemized complex to be reproduced here. The purpose of this document is to: deposit slip. We will treat and record all transactions received after our “daily (1) summarize some laws that apply to common transactions; cutoff time” on a business day we are open, or received on a day we are not (2) establish rules to cover transactions or events which the law does not open for business, as if initiated on the next business day that we are open. At regulate; our option, we may take an item for collection rather than for deposit. If we (3) establish rules for certain transactions or events which the law regulates but accept a third-party check for deposit, we may require any third-party indorsers to permits variation by agreement; and verify or guarantee their indorsements, or indorse in our presence. (4) give you disclosures of some of our policies to which you may be entitled or WITHDRAWALS - in which you may be interested. Generally - Unless clearly indicated otherwise on the account records, any of If any provision of this document is found to be unenforceable according to its you, acting alone, who signs to open the account or has authority to make terms, all remaining provisions will continue in full force and effect. We may withdrawals may withdraw or transfer all or any part of the available account permit some variations from our standard agreement, but we must agree to any balance at any time. Each of you (until we receive written notice to the contrary) variation in writing either on the signature card for your account or in some other authorizes each other person who signs or has authority to make withdrawals to document. Nothing in this document is intended to vary our duty to act in good indorse any item payable to you or your order for deposit to this account or any faith and with ordinary care when required by law. other transaction with us. As used in this document the words “we,” “our,” and “us” mean the financial Postdated checks - A postdated check is one which bears a date later than the institution and the words “you” and “your” mean the account holder(s) and date on which the check is written. We may properly pay and charge your account anyone else with the authority to deposit, withdraw, or exercise control over the for a postdated check even though payment was made before the date of the funds in the account. However, this agreement does not intend, and the terms check, unless we have received written notice of the postdating in time to have a “you” and “your” should not be interpreted, to expand an individual’s reasonable opportunity to act. Because we process checks mechanically, your responsibility for an organization’s liability. If this account is owned by a notice will not be effective and we will not be liable for failing to honor your notice corporation, partnership or other organization, individual liability is determined by unless it precisely identifies the number, date, amount and payee of the item. the laws generally applicable to that type of organization. The headings in this Checks and withdrawal rules - If you do not purchase your check blanks from document are for convenience or reference only and will not govern the us, you must be certain that we approve the check blanks you purchase. We may interpretation of the provisions. Unless it would be inconsistent to do so, words refuse any withdrawal or transfer request which you attempt on forms not and phrases used in this document should be construed so the singular includes approved by us or by any method we do not specifically permit. We may refuse the plural and the plural includes the singular. any withdrawal or transfer request which is greater in number than the frequency BYLAWS - Our bylaws, which we may amend from time to time, establish basic permitted, or which is for an amount greater or less than any withdrawal rules about our credit union policies and operations which affect your account limitations. We will use the date the transaction is completed by us (as opposed and membership. You may obtain a copy of the bylaws on request. Our right to to the date you initiate it) to apply the frequency limitations. In addition, we may require you to give us notice of your intention to withdraw funds from your place limitations on the account until your identity is verified. account is described in the bylaws. Unless we have agreed otherwise, you are Even if we honor a nonconforming request, we are not required to do so later. If not entitled to receive any original item after it is paid, although you may request you violate the stated transaction limitations (if any), in our discretion we may that we send you an item(s) or a copy of an item(s). Dividends are based on close your account or reclassify it as a transaction account. If we reclassify your current earnings and available earnings of the credit union, after providing for account, your account will be subject to the fees and earnings rules of the new required reserves. account classification. LIABILITY - You agree, for yourself (and the person or entity you represent if you If we are presented with an item drawn against your account that would be a sign as a representative of another) to the terms of this account and the schedule “substitute check,” as defined by law, but for an error or defect in the item of charges. You authorize us to deduct these charges, without notice to you, introduced in the substitute check creation process, you agree that we may pay directly from the account balance as accrued. You will pay any additional such item. reasonable charges for services you request which are not covered by this See the funds availability policy disclosure for information about when you can agreement. withdraw funds you deposit. For those accounts to which our funds availability Each of you also agrees to be jointly and severally (individually) liable for any policy disclosure does not apply, you can ask us when you make a deposit when account shortage resulting from charges or overdrafts, whether caused by you or those funds will be available for withdrawal. An item may be returned after the another with access to this account. This liability is due immediately, and we can funds from the deposit of that item are made available for withdrawal. In that deduct any amounts deposited into the account and apply those amounts to the case, we will reverse the credit of the item. We may determine the amount of shortage. You have no right to defer payment of this liability, and you are liable available funds in your account for the purpose of deciding whether to return an regardless of whether you signed the item or benefited from the charge or item for insufficient funds at any time between the time we receive the item and overdraft. when we return the item or send a notice in lieu of return. We need only make You will be liable for our costs as well as for our reasonable attorneys’ fees, to one determination, but if we choose to make a subsequent determination, the the extent permitted by law, whether incurred as a result of collection or in any account balance at the subsequent time will determine whether there are other dispute involving your account. This includes, but is not limited to, disputes insufficient available funds. between you and another joint owner; you and an authorized signer or similar A temporary debit authorization hold affects your account balance - On party; or a third party claiming an interest in your account. This also includes any debit card purchases, merchants may request a temporary hold on your account action that you or a third party takes regarding the account that causes us, in for a specified sum of money when the merchant does not know the exact good faith, to seek the advice of an attorney, whether or not we become involved amount of the purchase at the time the card is authorized. The amount of the in the dispute. All costs and attorneys’ fees can be deducted from your account temporary hold may be more than the actual amount of your purchase. Some when they are incurred, without notice to you. common transactions where this occurs involve purchases of gasoline, hotel

2 3 rooms, or meals at restaurants. When this happens, our processing system We may accept an order to stop payment on any item from any one of you. You cannot determine that the amount of the hold exceeds the actual amount of your must make any stop-payment order in the manner required by law and we must purchase. This temporary hold, and the amount charged to your account, will receive it in time to give us a reasonable opportunity to act on it before our stop- eventually be adjusted to the actual amount of your purchase, but it could be payment cutoff time. Because stop-payment orders are handled by computers, to three calendar days, or even longer in some cases, before the adjustment is be effective, your stop-payment order must precisely identify the number, date, made. Until the adjustment is made, the amount of funds in your account and amount of the item, and the payee. You may stop payment on any item available for other transactions will be reduced by the amount of the temporary drawn on your account whether you sign the item or not. Generally, if your stop- hold. If another transaction is presented for payment in an amount greater than payment order is given to us in writing it is effective for six months. Your order the funds left after the deduction of the temporary hold amount, that transaction will lapse after that time if you do not renew the order in writing before the end of will be a nonsufficient funds (NSF) transaction if we do not pay it or an overdraft the six-month period. If the original stop-payment order was oral your stop- transaction if we do pay it. You will be charged an NSF or overdraft fee according payment order will lapse after 14 calendar days if you do not confirm your order to our NSF or overdraft fee policy. You will be charged the fee even if you would in writing within that time period. We are not obligated to notify you when a stop- have had sufficient funds in your account if the amount of the hold had been payment order expires. A release of the stop-payment request may be made only equal to the amount of your purchase. by the person who initiated the stop-payment order. Overdrafts - You understand that we may, at our discretion, honor withdrawal If you stop payment on an item and we incur any damages or expenses because requests that overdraw your account. However, the fact that we may honor of the stop payment, you agree to indemnify us for those damages or expenses, withdrawal requests that overdraw the account balance does not obligate us to including attorneys’ fees. You assign to us all rights against the payee or any do so later. So you can NOT rely on us to pay overdrafts on your account other holder of the item. You agree to cooperate with us in any legal actions that regardless of how frequently or under what circumstances we have paid we may take against such persons. You should be aware that anyone holding the overdrafts on your account in the past. We can change our practice of paying, or item may be entitled to enforce payment against you despite the stop-payment not paying, discretionary overdrafts on your account without notice to you. You order. can ask us if we have other account services that might be available to you Additional limitations on our obligation to stop payment are provided by law (e.g., where we commit to paying overdrafts under certain circumstances, such as an we paid the item in cash or we certified the item). overdraft protection line-of-credit or a plan to sweep funds from another account you have with us. You agree that we may charge fees for overdrafts. For TELEPHONE TRANSFERS - A telephone transfer of funds from this account to consumer accounts, we will not charge fees for overdrafts caused by ATM another account with us, if otherwise arranged for or permitted, may be made by withdrawals or one-time debit card transactions if you have not opted-in to that the same persons and under the same conditions generally applicable to service. We may use subsequent deposits, including direct deposits of social withdrawals made in writing. Unless a different limitation is disclosed in writing, security or other government benefits, to cover such overdrafts and overdraft we restrict the number of transfers from a savings account to another account or fees. to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month). Other account transfer restrictions Multiple signatures, electronic check conversion, and similar transactions - may be described elsewhere. An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the AMENDMENTS AND TERMINATION - We may change our bylaws and any Electronic Fund Transfers regulation. In these types of transactions the check or term of this agreement. Rules governing changes in rates are provided similar item is either removed from circulation (truncated) or given back to you. separately in the Truth-in-Savings disclosure or in another document. For other As a result, we have no opportunity to review the check to examine the changes we will give you reasonable notice in writing or by any other method signatures on the item. You agree that, as to these or any items as to which we permitted by law. We may close this account if your membership in the credit have no opportunity to examine the signatures, you waive any requirement of union terminates, or by giving reasonable notice to you and tender of the account multiple signatures. balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules for leaving enough money in the account to cover any outstanding items and apply to this account depending on the form of ownership and beneficiary charges to be paid from the account. Reasonable notice depends on the designation, if any, specified on the account records. We reserve the right to circumstances, and in some cases such as when we cannot verify your identity refuse some forms of ownership on any or all of our accounts. We make no or we suspect fraud, it might be reasonable for us to give you notice after the representations as to the appropriateness or effect of the ownership and change or account closure becomes effective. For instance, if we suspect beneficiary designations, except as they determine to whom we pay the account fraudulent activity with respect to your account, we might immediately freeze or funds. close your account and then give you notice. At our option, we may suspend your Individual Account - is an account in the name of one person. rights to member services if you violate the terms of this agreement. If we have Joint Account - With Survivorship (And Not As Tenants In Common) - is an notified you of a change in any term of your account and you continue to have account in the name of two or more persons. Each of you intend that when you your account after the effective date of the change, you have agreed to the new die the balance in the account (subject to any previous pledge to which we have term(s). agreed) will belong to the survivor(s). If two or more of you survive, you will own NOTICES - Any written notice you give us is effective when we actually receive the balance in the account as joint tenants with survivorship and not as tenants in it, and it must be given to us according to the specific delivery instructions common. provided elsewhere, if any. We must receive it in time to have a reasonable Joint Account - No Survivorship (As Tenants In Common) - This is owned by opportunity to act on it. If the notice is regarding a check or other item, you must two or more persons, but none of you intend (merely by opening this account) to give us sufficient information to be able to identify the check or item, including the create any right of survivorship in any other person. We encourage you to agree precise check or item number, amount, date and payee. Written notice we give and tell us in writing of the percentage of the deposit contributed by each of you. you is effective when it is deposited in the United States Mail with proper postage This information will not, however, affect the number of signatures necessary for and addressed to your mailing address we have on file. Notice to any of you is withdrawal. notice to all of you. Pay-on-Death Account - If two or more of you create such an account, you own STATEMENTS - Your duty to report unauthorized signatures, alterations and the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all forgeries - You must examine your statement of account with “reasonable persons creating the account die, and (2) the beneficiary is then living. If two or promptness.” If you discover (or reasonably should have discovered) any more beneficiaries are named and survive the death of all persons creating the unauthorized signatures or alterations, you must promptly notify us of the relevant account, such beneficiaries will own this account without right of survivorship. facts. As between you and us, if you fail to do either of these duties, you will have The person(s) creating this account type reserve the right to: (1) change to either share the loss with us, or bear the loss entirely yourself (depending on beneficiaries, (2) change account types, and (3) withdraw all or part of the whether we used ordinary care and, if not, whether we substantially contributed to account funds at any time. the loss). The loss could be not only with respect to items on the statement but other items with unauthorized signatures or alterations by the same wrongdoer. BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, You agree that the time you have to examine your statement and report to us will unless otherwise provided by law or our policy. You represent that you have the depend on the circumstances, but will not, in any circumstance, exceed a total of authority to open and conduct business on this account on behalf of the entity. 30 days from when the statement is first sent or made available to you. We may require the governing body of the entity opening the account to give us a You further agree that if you fail to report any unauthorized signatures, alterations separate authorization telling us who is authorized to act on its behalf. We will or forgeries in your account within 60 days of when we first send or make the honor the authorization until we actually receive written notice of a change from statement available, you cannot assert a claim against us on any items in that the governing body of the entity. statement, and as between you and us the loss will be entirely yours. This 60-day STOP PAYMENTS - Unless otherwise provided, the rules in this section cover limitation is without regard to whether we used ordinary care. The limitation in this stopping payment of items such as checks and drafts. Rules for stopping paragraph is in addition to that contained in the first paragraph of this section. payment of other types of transfers of funds, such as consumer electronic fund Your duty to report other errors - In addition to your duty to review your transfers, may be established by law or our policy. If we have not disclosed these statements for unauthorized signatures, alterations and forgeries, you agree to rules to you elsewhere, you may ask us about those rules. examine your statement with reasonable promptness for any other error - such 4 5 as an encoding error. In addition, if you receive or we make available either your drawn on your account, our policy is to pay them in the order that they are items or images of your items, you must examine them for any unauthorized or received. The order in which items are paid is important if there is not enough missing indorsements or any other problems. You agree that the time you have money in your account to pay all of the items that are presented. There is no to examine your statement and items and report to us will depend on the policy that is favorable in every instance. If the smallest items are paid first, you circumstances. However, this time period shall not exceed 60 days. Failure to may have fewer NSF or overdraft fees, but the largest, and perhaps more examine your statement and items and report any errors to us within 60 days of important items (such as rent or mortgage payments) might not be paid. If an when we first send or make the statement available precludes you from asserting item is presented without sufficient funds in your account to pay it, we may, at our a claim against us for any errors on items identified in that statement and as discretion, pay the item (creating an overdraft) or return the item (NSF). The between you and us the loss will be entirely yours. amounts of the overdraft and NSF fees are disclosed elsewhere. By paying items Errors relating to electronic fund transfers or substitute checks - For in the order that we receive them, we think our policy attains a reasonable information on errors relating to electronic fund transfers (e.g., on-line, mobile, balance between minimizing additional cost to you and paying your more debit card or ATM transactions) refer to your Electronic Fund Transfers important items. We encourage you to make careful records and practice good disclosure and the sections on consumer liability and error resolution. For account management. This will help you to avoid writing checks or drafts without information on errors relating to a substitute check you received, refer to your sufficient funds and incurring the resulting fees. disclosure entitled Substitute Checks and Your Rights. PLEDGES - Each owner of this account may pledge all or any part of the funds ACCOUNT TRANSFER - Accounts may not be transferred or assigned without in it for any purpose to which we agree. Any pledge of this account must first be our prior written consent. satisfied before the rights of any surviving account owner or account beneficiary become effective. DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of a benefit payment that was directly deposited CHECK PROCESSING - We process items mechanically by relying solely on the into your account, you authorize us to deduct the amount of our liability to the information encoded in magnetic ink along the bottom of the items. This means federal government from the account or from any other account you have with that we do not individually examine all of your items to determine if the item is us, without prior notice and at any time, except as prohibited by law. We may properly completed, signed and indorsed or to determine if it contains any also use any other legal remedy to recover the amount of our liability. information other than what is encoded in magnetic ink. You agree that we have exercised ordinary care if our automated processing is consistent with general RIGHT TO REPAYMENT OF INDEBTEDNESS - You each agree that we may banking practice, even though we do not inspect each item. Because we do not (without prior notice and when permitted by law) charge against and deduct from inspect each item, if you write a check to multiple payees, we can properly pay this account any due and payable debt any of you owe us now or in the future. If the check regardless of the number of indorsements unless you notify us in this account is owned by one or more of you as individuals, we may set off any writing that the check requires multiple indorsements. We must receive the notice funds in the account against a due and payable debt a partnership owes us now in time for us to have a reasonable opportunity to act on it, and you must tell us or in the future, to the extent of your liability as a partner for the partnership debt. the precise date of the check, amount, check number and payee. We are not If your debt arises from a promissory note, then the amount of the due and responsible for any unauthorized signature or alteration that would not be payable debt will be the full amount we have demanded, as entitled under the identified by a reasonable inspection of the item. Using an automated process terms of the note, and this amount may include any portion of the balance for helps us keep costs down for you and all account holders. which we have properly accelerated the due date. CHECK CASHING - We may charge a fee for anyone that does not have an In addition to these contract rights, we may also have rights under a “statutory account with us who is cashing a check, draft or other instrument written on your lien.” A “lien” on property is a creditor’s right to obtain ownership of the property account. We may also require reasonable identification to cash such a check, in the event a debtor defaults on a debt. A “statutory lien” is one created by draft or other instrument. We can decide what identification is reasonable under federal or state statute. If federal or state law provides us with a statutory lien, the circumstances and such identification may be documentary or physical and then we are authorized to apply, without prior notice, your shares and dividends may include collecting a thumbprint or fingerprint. to any debt you owe us, in accord with the statutory lien. INDORSEMENTS - We may accept for deposit any item payable to you or your Neither our contract rights nor rights under a statutory lien apply to this account if order, even if they are not indorsed by you. We may give cash back to any one of prohibited by law. For example, neither our contract rights nor rights under a you. We may supply any missing indorsement(s) for any item we accept for statutory lien apply to this account if: (a) it is an Individual Retirement Account or deposit or collection, and you warrant that all indorsements are genuine. similar tax-deferred account, or (b) the debt is created by a consumer credit transaction under a credit card plan (but this does not affect our rights under any To ensure that your check or share draft is processed without delay, you must consensual security interest), or (c) the debtor’s right of withdrawal arises only in indorse it (sign it on the back) in a specific area. Your entire indorsement a representative capacity. We will not be liable for the dishonor of any check or (whether a signature or a stamp) along with any other indorsement information draft when the dishonor occurs because we charge and deduct an amount you (e.g. additional indorsements, ID information, driver’s license number, etc.) must owe us from your account. You agree to hold us harmless from any claim arising fall within 11/2” of the “trailing edge” of a check. Indorsements must be made in as a result of our exercise of our right to repayment. blue or black ink, so that they are readable by automated check processing equipment. AUTHORIZED SIGNER (Individual Accounts only) - A single individual is the owner. The authorized signer is merely designated to conduct transactions on As you look at the front of a check, the “trailing edge” is the left edge. When you the owner’s behalf. The owner does not give up any rights to act on the account, flip the check over, be sure to keep all indorsement information within 11/2” of that and the authorized signer may not in any manner affect the rights of the owner or edge. beneficiaries, if any, other than by withdrawing funds from the account. The owner is responsible for any transactions of the authorized signer. We undertake 7654 Name no obligation to monitor transactions to determine that they are on the owner’s Address, City, State 20 behalf. Pay to the The owner may terminate the authorization at any time, and the authorization is order of $ automatically terminated by the death of the owner. However, we may continue dollars to honor the transactions of the authorized signer until: (a) we have received written notice or have actual knowledge of the termination of authority, and (b) Bank Name we have a reasonable opportunity to act on that notice or knowledge. We may and Location refuse to accept the designation of an authorized signer. Memo RESTRICTIVE LEGENDS OR INDORSEMENTS - The automated processing of !123456789! 7654 the large volume of checks we receive prevents us from inspecting or looking for restrictive legends, restrictive indorsements or other special instructions on every TRAILING EDGE FRONT OF CHECK check. For this reason, we are not required to honor any restrictive legend or indorsement or other special instruction placed on checks you write unless we have agreed in writing to the restriction or instruction. Unless we have agreed in writing, we are not responsible for any losses, claims, damages, or expenses that result from your placement of these restrictions or instructions on your checks. Examples of restrictive legends placed on checks are “must be presented within 1 1/2" Keep your indorsement 90 days” or “not valid for more than $1,000.00.” The payee’s signature out of this area. accompanied by the words “for deposit only” is an example of a restrictive YOUR INDORSEMENT MUST indorsement. BE WITHIN THIS AREA PAYMENT ORDER OF ITEMS - The law permits us to pay items (such as checks or drafts) drawn on your account in any order. To assist you in handling your account with us, we are providing you with the following information regarding how we process the items that you write. When processing items BACK OF CHECK

6 7 It is important that you confine the indorsement information to this area since the ensure that you receive courteous and efficient service. You consent in advance remaining blank space will be used by others in the processing of the check to to any such recording. place additional needed indorsements and information. You agree that you will To provide you with the best possible service in our ongoing business indemnify, defend, and hold us harmless for any loss, liability, damage or relationship for your account we may need to contact you about your account expense that occurs because your indorsement, another indorsement or from time to time by telephone, text messaging or email. However, we first obtain information you have printed on the back of the check obscures our indorsement. your consent to contact you about your account in compliance with applicable These indorsement guidelines apply to both personal and business checks. consumer protection provisions in the federal Telephone Consumer Protection DEATH OR INCOMPETENCE - You agree to notify us promptly if any person Act of 1991 (TCPA), CAN-SPAM Act and their related federal regulations and with a right to withdraw funds from your account(s) dies or is adjudicated orders issued by the Federal Communications Commission (FCC). (determined by the appropriate official) incompetent. We may continue to honor • Your consent is limited to your account, and as authorized by applicable your checks, items, and instructions until: (a) we know of your death or law and regulations. adjudication of incompetence, and (b) we have had a reasonable opportunity to • Your consent is voluntary and not conditioned on the purchase of any act on that knowledge. You agree that we may pay or certify checks drawn on or product or service from us. before the date of death or adjudication of incompetence for up to ten (10) days after your death or adjudication of incompetence unless ordered to stop payment With the above understandings, you authorize us to contact you regarding your by someone claiming an interest in the account. account throughout its existence using any telephone numbers or email addresses that you have previously provided to us by virtue of an existing FIDUCIARY ACCOUNTS - Accounts may be opened by a person acting in a business relationship or that you may subsequently provide to us. fiduciary capacity. A fiduciary is someone who is appointed to act on behalf of and for the benefit of another. We are not responsible for the actions of a This consent is regardless of whether the number we use to contact you is fiduciary, including the misuse of funds. This account may be opened and assigned to a landline, a paging service, a cellular wireless service, a specialized maintained by a person or persons named as a trustee under a written trust mobile radio service, other radio common carrier service or any other service for agreement, or as executors, administrators, or conservators under court orders. which you may be charged for the call. You further authorize us to contact you You understand that by merely opening such an account, we are not acting in the through the use of voice, voice mail and text messaging, including the use of pre- capacity of a trustee in connection with the trust nor do we undertake any recorded or artificial voice messages and an automated dialing device. obligation to monitor or enforce the terms of the trust or letters. If necessary, you may change or remove any of the telephone numbers or email CREDIT VERIFICATION - You agree that we may verify credit and employment addresses at any time using any reasonable means to notify us. history by any necessary means, including preparation of a credit report by a CLAIM OF LOSS - If you claim a credit or refund because of a forgery, alteration, credit reporting agency. or any other unauthorized withdrawal, you agree to cooperate with us in the LEGAL ACTIONS AFFECTING YOUR ACCOUNT - If we are served with a investigation of the loss, including giving us an affidavit containing whatever subpoena, restraining order, writ of attachment or execution, levy, garnishment, reasonable information we require concerning your account, the transaction, and search warrant, or similar order relating to your account (termed “legal action” in the circumstances surrounding the loss. You will notify law enforcement this section), we will comply with that legal action. Or, in our discretion, we may authorities of any criminal act related to the claim of lost, missing, or stolen freeze the assets in the account and not allow any payments out of the account checks or unauthorized withdrawals. We will have a reasonable period of time to until a final court determination regarding the legal action. We may do these investigate the facts and circumstances surrounding any claim of loss. Unless we things even if the legal action involves less than all of you. In these cases, we will have acted in bad faith, we will not be liable for special or consequential not have any liability to you if there are insufficient funds to pay your items damages, including loss of profits or opportunity, or for attorneys’ fees incurred because we have withdrawn funds from your account or in any way restricted by you. access to your funds in accordance with the legal action. Any fees or expenses You agree that you will not waive any rights you have to recover your loss we incur in responding to any legal action (including, without limitation, attorneys’ against anyone who is obligated to repay, insure, or otherwise reimburse you for fees and our internal expenses) may be charged against your account. The list of your loss. You will pursue your rights or, at our option, assign them to us so that fees applicable to your account(s) provided elsewhere may specify additional we may pursue them. Our liability will be reduced by the amount you recover or fees that we may charge for certain legal actions. are entitled to recover from these other sources. SECURITY - It is your responsibility to protect the account numbers and EARLY WITHDRAWAL PENALTIES (and involuntary withdrawals) - We may electronic access devices (e.g., an ATM card) we provide you for your impose early withdrawal penalties on a withdrawal from a time account even if account(s). Do not discuss, compare, or share information about your account you don’t initiate the withdrawal. For instance, the early withdrawal penalty may number(s) with anyone unless you are willing to give them full use of your be imposed if the withdrawal is caused by our setoff against funds in the account money. An account number can be used by thieves to issue an electronic debit or as a result of an attachment or other legal process. We may close your or to encode your number on a false demand draft which looks like and functions account and impose the early withdrawal penalty on the entire account balance like an authorized check. If you furnish your access device and grant actual in the event of a partial early withdrawal. See your notice of penalty for early authority to make transfers to another person (a family member or coworker, for withdrawals for additional information. example) who then exceeds that authority, you are liable for the transfers unless ADDRESS OR NAME CHANGES - You are responsible for notifying us of any we have been notified that transfers by that person are no longer authorized. change in your address or your name. Unless we agree otherwise, change of Your account number can also be used to electronically remove money from your address or name must be made in writing by at least one of the account holders. account, and payment can be made from your account even though you did not Informing us of your address or name change on a check reorder form is not contact us directly and order the payment. sufficient. We will attempt to communicate with you only by use of the most You must also take precaution in safeguarding your blank checks. Notify us at recent address you have provided to us. If provided elsewhere, we may impose a once if you believe your checks have been lost or stolen. As between you and service fee if we attempt to locate you. us, if you are negligent in safeguarding your checks, you must bear the loss RESOLVING ACCOUNT DISPUTES - We may place an administrative hold on entirely yourself or share the loss with us (we may have to share some of the the funds in your account (refuse payment or withdrawal of the funds) if it loss if we failed to use ordinary care and if we substantially contributed to the becomes subject to a claim adverse to (1) your own interest; (2) others claiming loss). an interest as survivors or beneficiaries of your account; or (3) a claim arising by Except for consumer electronic fund transfers subject to Regulation E, you agree operation of law. The hold may be placed for such period of time as we believe that if we offer you services appropriate for your account to help identify and limit reasonably necessary to allow a legal proceeding to determine the merits of the fraud or other unauthorized transactions against your account, such as positive claim or until we receive evidence satisfactory to us that the dispute has been pay or commercially reasonable security procedures, and you reject those resolved. We will not be liable for any items that are dishonored as a services, you will be responsible for any fraudulent or unauthorized transactions consequence of placing a hold on funds in your account for these reasons. which could have been prevented by the services we offered, unless we acted in WAIVER OF NOTICES - To the extent permitted by law, you waive any notice of bad faith or to the extent our negligence contributed to the loss. If we offered you non-payment, dishonor or protest regarding any items credited to or charged a commercially reasonable security procedure which you reject, you agree that against your account. For example, if you deposit a check and it is returned you are responsible for any payment order, whether authorized or not, that we unpaid or we receive a notice of nonpayment, we do not have to notify you accept in compliance with an alternative security procedure that you have unless required by federal Regulation CC or other law. selected. ACH AND WIRE TRANSFERS - This agreement is subject to Article 4A of the TELEPHONIC INSTRUCTIONS - Unless required by law or we have agreed Uniform Commercial Code - Fund Transfers as adopted in the state in which you otherwise in writing, we are not required to act upon instructions you give us via have your account with us. If you originate a fund transfer and you identify by facsimile transmission or leave by voice mail or on a telephone answering name and number a beneficiary financial institution, an intermediary financial machine. institution or a beneficiary, we and every receiving or beneficiary financial MONITORING AND RECORDING TELEPHONE CALLS AND CONSENT TO institution may rely on the identifying number to make payment. We may rely on RECEIVE COMMUNICATIONS - Subject to federal and state law, we may the number even if it identifies a financial institution, person or account other than monitor or record phone calls for security reasons, to maintain a record and to the one named. You agree to be bound by automated clearing house association

8 9 rules. These rules provide, among other things, that payments made to you, or • transfer funds from share savings to share draft account(s) originated by you, are provisional until final settlement is made through a Federal • transfer funds from share draft to share savings account(s) Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive such payment, we are • get information about: entitled to a refund from you in the amount credited to your account and the party - the account balance of your share draft or share savings account(s) originating such payment will not be considered to have paid the amount so Some of these services may not be available at all terminals. credited. Credit entries may be made by ACH. If we receive a payment order to Types of ATM Card Point-of-Sale Transactions - You may access your share credit an account you have with us by wire or ACH, we are not required to give draft account(s) to purchase goods (in person), pay for services (in person), and you any notice of the payment order or credit. get cash from a merchant, if the merchant permits, or from a participating FACSIMILE SIGNATURES - Unless you make advance arrangements with us, financial institution. we have no obligation to honor facsimile signatures on your checks or other Point-of-Sale Transactions - frequency and dollar limitations - Using your orders. If we do agree to honor items containing facsimile signatures, you card: authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us. You give us this authority • you may make no more than 10 transactions per day regardless of by whom or by what means the facsimile signature(s) may have • you may not exceed $600.00 in transactions per day, with a maximum of been affixed so long as they resemble the facsimile signature specimen filed with $400.00 per transaction us, and contain the required number of signatures for this purpose. You must Types of Debit Card Point-of-Sale Transactions - You may access your share notify us at once if you suspect that your facsimile signature is being or has been draft account(s) to purchase goods (in person, online, or by phone), pay for misused. services (in person, online, or by phone), and get cash from a merchant, if the merchant permits, or from a participating financial institution. ————————————— Point-of-Sale Transactions - frequency and dollar limitations - Using your ELECTRONIC FUND TRANSFERS card: • you may make no more than 25 transactions per day YOUR RIGHTS AND RESPONSIBILITIES • you may not exceed $5,000.00 in transactions per day, with a maximum of Indicated below are types of Electronic Fund Transfers we are capable of $5,000.00 per transaction handling, some of which may not apply to your account. Please read this Currency Conversion. When you use your Debit Card at a merchant that settles disclosure carefully because it tells you your rights and obligations for the in currency other than US dollars, the charge will be converted into the US dollar transactions listed. You should keep this notice for future reference. amount. The currency conversion rate used to determine the transaction amount Electronic Fund Transfers Initiated By Third Parties. You may authorize a in US dollars is either a rate selected by Visa from the range of rates available in third party to initiate electronic fund transfers between your account and the wholesale currency markets for the applicable central processing date, which third party’s account. These transfers to make or receive payment may be one- rate may vary from the rate Visa itself receives, or the government-mandated time occurrences or may recur as directed by you. These transfers may use the rate in effect for the applicable central processing date. The conversion rate in Automated Clearing House (ACH) or other payments network. Your effect on the processing date may differ from the rate in effect on the transaction authorization to the third party to make these transfers can occur in a number of date or posting date. ways. For example, your authorization to convert a check or draft to an Advisory Against Illegal Use. You agree not to use your card(s) for illegal electronic fund transfer or to electronically pay a returned check or draft charge gambling or other illegal purpose. Display of a payment card logo by, for can occur when a merchant provides you with notice and you go forward with example, an online merchant does not necessarily mean that transactions are the transaction (typically, at the point of purchase, a merchant will post a sign lawful in all jurisdictions in which the cardholder may be located. and print the notice on a receipt). In all cases, these third party transfers will Online Banking/Mobile Banking - types of transfers - With your user ID and require you to provide the third party with your account number and credit union password, you may access your accounts using a mobile device or by computer information. This information can be found on your check or draft as well as on a through the internet at www.trianglecu.org to: deposit or withdrawal slip. Thus, you should only provide your credit union and • transfer funds between share draft and share savings account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these • transfer funds from line of credit to share draft or share savings electronic fund transfers. Examples of these transfers include, but are not • transfer funds to and from other financial institutions limited to: • make payments from share draft or share savings to loan account(s) with us •Preauthorized credits.You may make arrangements for certain direct • make payments from share draft to third parties deposits to be accepted into your share draft or share savings account(s). • get account balances •Preauthorized payments.You may make arrangements to pay certain recurring bills from your share draft or share savings account(s). FEES • Electronic check or draft conversion. You may authorize a merchant or • We do not charge for direct deposits to any type of account. other payee to make a one-time electronic payment from your checking or • We do not charge for preauthorized payments from any type of account. share draft account using information from your check or draft to pay for Except as indicated elsewhere, we do not charge for these electronic fund purchases or pay bills. transfers. •Electronic returned check or draft charge. You may authorize a ATM Operator/Network Fees. When you use an ATM not owned by us, you merchant or other payee to initiate an electronic funds transfer to collect a may be charged a fee by the ATM operator or any network used (and you may charge in the event a check or draft is returned for insufficient funds. be charged a fee for a balance inquiry even if you do not complete a fund TARA Telephone Transfers - types of transfers - You may access your transfer). account by telephone 24 hours a day at 603-889-3010 or 603-625-5975 using DOCUMENTATION your personal identification number, a touch tone phone, and your account numbers, to: • Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale • transfer funds between share draft and share savings terminal. However, you may not get a receipt if the amount of the transfer • transfer funds from line of credit to share draft or share savings is $15 or less. • make payments from share draft or share savings to loan accounts with us • Preauthorized credits. If you have arranged to have direct deposits made • get information about: to your account, you can call us at (603) 889-2470 to find out whether or not the deposit has been made. - the account balance of share draft or share savings accounts • Periodic statements. ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal You will get a monthly account statement from us for your share draft identification number or debit card and personal identification number, to: accounts. • make deposits to share draft or share savings account(s) You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In • get cash withdrawals from share draft or share savings account(s) any case, you will get a statement at least quarterly. - you may withdraw no more than $300.00 per day, with a maximum of PREAUTHORIZED PAYMENTS $300.00 per transaction • Right to stop payment and procedure for doing so. If you have told us - there is a charge of $.75 per withdrawal at non credit union owned in advance to make regular payments out of your account, you can stop ATMs any of these payments. Here is how:

10 11 Call or write us at the telephone number or address listed in this ERROR RESOLUTION NOTICE disclosure in time for us to receive your request 3 business days or more In Case of Errors or Questions About Your Electronic Transfers, Call or Write before the payment is scheduled to be made. If you call, we may also us at the telephone number or address listed in this disclosure, as soon as you require you to put your request in writing and get it to us within 14 days can, if you think your statement or receipt is wrong or if you need more after you call. information about a transfer listed on the statement or receipt. We must hear We will charge you $20.00 for each stop-payment order you give. from you no later than 60 days after we sent the FIRST statement on which the •Notice of varying amounts.If these regular payments may vary in problem or error appeared. amount, the person you are going to pay will tell you, 10 days before each (1) Tell us your name and account number (if any). payment, when it will be made and how much it will be. (You may choose (2) Describe the error or the transfer you are unsure about, and explain as instead to get this notice only when the payment would differ by more than clearly as you can why you believe it is an error or why you need more a certain amount from the previous payment, or when the amount would information. fall outside certain limits that you set.) (3) Tell us the dollar amount of the suspected error. • Liability for failure to stop payment of preauthorized transfer. If you If you tell us orally, we may require that you send us your complaint or order us to stop one of these payments 3 business days or more before question in writing within 10 business days. the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. We will determine whether an error occurred within 10 business days (5 business days for Visa® Check Card point-of-sale transactions processed by FINANCIAL INSTITUTION'S LIABILITY Visa and 20 business days if the transfer involved a new account) after we hear Liability for failure to make transfers. If we do not complete a transfer to or from you and will correct any error promptly. If we need more time, however, we from your account on time or in the correct amount according to our agreement may take up to 45 days (90 days if the transfer involved a new account, a point- with you, we will be liable for your losses or damages. However, there are some of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or exceptions. We will not be liable, for instance: question. If we decide to do this, we will credit your account within 10 business (1) If, through no fault of ours, you do not have enough money in your days (5 business days for Visa® Check Card point-of-sale transactions account to make the transfer. processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money (2) If you have an overdraft line and the transfer would go over the credit during the time it takes us to complete our investigation. If we ask you to put your limit. complaint or question in writing and we do not receive it within 10 business days, (3) If the automated teller machine where you are making the transfer does we may not credit your account. Your account is considered a new account for not have enough cash. the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. (4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written (5) If circumstances beyond our control (such as fire or flood) prevent the explanation. transfer, despite reasonable precautions that we have taken. You may ask for copies of the documents that we used in our investigation. (6) There may be other exceptions stated in our agreement with you. TRIANGLE CREDIT UNION CONFIDENTIALITY MEMBER SERVICES We will disclose information to third parties about your account or the 33 FRANKLIN STREET transfers you make: NASHUA, NEW HAMPSHIRE 03064-2687 (1) where it is necessary for completing transfers; or Business Days: Monday through Friday (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or Excluding Federal Holidays Phone: (603) 889-2470 (3) in order to comply with government agency or court orders; or MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST (4) as explained in the separate Privacy Disclosure. UNAUTHORIZED TRANSFERS ————————————— (a) Consumer liability. • Generally. Tell us AT ONCE if you believe your card and/or code has been FUNDS AVAILABILITY POLICY lost or stolen, or if you believe that an electronic fund transfer has been made It is our policy to process your funds in a timely manner. Funds from checks without your permission using information from your check or draft. Telephoning deposited in your account may be delayed; during the delay, you may not withdraw is the best way of keeping your possible losses down. You could lose all the the funds in cash, and we will not use the funds to pay share drafts that you have money in your account (plus your maximum overdraft line of credit). If you tell us written. within 2 business days after you learn of the loss or theft of your card and/or Determining the Availability of a Deposit code, you can lose no more than $50 if someone used your card and/or code The length of the delay is counted in business days from the day of your deposit. without your permission. Every day is a business day, except Saturdays, Sundays, and federal holidays. If If you do NOT tell us within 2 business days after you learn of the loss or you make a deposit on a business day we are open, we will consider that day to theft of your card and/or code, and we can prove we could have stopped be the day of your deposit. However, if you make a deposit on a day we are not someone from using your card and/or code without your permission if you had open, we will consider that the deposit was made on the next business day we told us, you could lose as much as $500. are open. If you make a deposit at an ATM that we own or operate before 12:00 Also, if your statement shows transfers that you did not make, including p.m. on a business day that we are open, we will consider that day to be the day those made by card, code or other means, tell us at once. If you do not tell us of your deposit. However, if you make a deposit at an ATM after 12:00 p.m. or on within 60 days after the statement was mailed to you, you may not get back any a day we are not open, we will consider the day of deposit to be the next money you lost after the 60 days if we can prove that we could have stopped business day we are open. someone from taking the money if you had told us in time. The length of the delay varies depending on the type of deposit and is explained If a good reason (such as a long trip or a hospital stay) kept you from telling below. us, we will extend the time periods. Availability Funds from the following deposits may be held up to the 1st business day • Additional Limit on Liability for Visa® Check Card. Unless you have been following the banking day of deposit: negligent or have engaged in fraud, you will not be liable for any unauthorized • Electronic Direct Deposit, Wire Transfers, Cash and U.S. Treasury checks transactions using your lost or stolen Visa® Check Card. This additional limit on that are payable to you. liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your • Share drafts drawn on Triangle Credit Union, State and local government Personal Identification Number which are not processed by VISA®. Visa is a checks and Payroll checks that are payable to you. registered trademark of Visa International Service Association. • Cashier’s, Certified, and Treasurers Drafts that are payable to you. (b) Contact in event of unauthorized transfer. If you believe your card • Federal Reserve bank checks, Federal Home Loan Bank checks, Pension and/or code has been lost or stolen, call or write us at the telephone number or Checks and US Postal Money Orders that are payable to you. address listed in this disclosure. You should also call the number or write to the When deposits of the above types of checks are not made in person (for address listed in this disclosure if you believe a transfer has been made using the example, when they are made at one of Triangle Credit Unions ATMs) the funds information from your check or draft without your permission. may be held up to the 2nd business day, with the exception of US Treasury

12 13 Checks made payable to you, which will be afforded next day availability. a preauthorized, automatic, or computer transfer, telephonic order or instruction, Deposits, cash or check, made at an ATM not owned by Triangle Credit Union or by check, draft, debit card (if applicable), or similar order to a third party. If you may be held up to the 5th business day. exceed the transfer limitations set forth above, your account will be subject to Availability of Other Check Deposits closure by the credit union. The first $225 from a deposit of other checks will be available by the first ONLINE SAVINGS ACCOUNT business day after the day of your deposit. The remaining funds will be available Eligibility requirements - In order to take advantage of this savings account, by the second business day after the day of your deposit. For example, if you you must have a regular membership savings, a share draft account (checking), deposit a local check of $700 on a Monday, $225 of the deposit will be available online banking, be registered for eStatements, and provide a current email by Tuesday. The remaining $475 will be available by Wednesday. address. Longer Delays May Apply Rate Information: We may delay your ability to withdraw funds deposited by check into your The dividend rate and annual percentage yield may change every month. We account an additional number of days for these reasons: may change the dividend rate for your account as determined by the credit union - We believe a check you deposited will not be paid. board of directors. - You deposited checks totaling more than $5,525 on any one (1) day. Minimum balance requirements: - You re-deposited a check that has been returned unpaid. The minimum balance required to open this account is $25.00. - You have overdrawn your account repeatedly in the last six (6) months. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. - There is an emergency, such as a failure of communications or computer equipment. Transaction limitations: - You are a new member (first 30 days). During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of We will notify you if we delay your ability to withdraw funds for any of these a preauthorized, automatic, or computer transfer, telephonic order or instruction, reasons, and we will tell you when the funds will be available whenever possible. or by check, draft, debit card (if applicable), or similar order to a third party. If you They will generally be available no later than the seventh business day after the exceed the transfer limitations set forth above, your account will be subject to day of your deposit. closure by the credit union. ————————————— Fees and charges: A transaction fee of $25.00 will be charged for each in-branch or over-the-phone TRUTH-IN-SAVINGS DISCLOSURE transaction (withdrawal, transfer and payment). Online and electronic transactions are free as well as in-branch deposits. Rate & Dividend Information for accounts listed in this section, SHARE DRAFT & JUNIOR CHECKING (TEEN) ACCOUNT unless otherwise stated Rate Information - Share Draft Accounts are not paid dividends. Rate Information: Minimum balance requirements: The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. The minimum balance required to open this account is $25.00. Compounding and crediting - Dividends will not be compounded. Dividends Transaction limitations: will be credited to your account every month. No transaction limitations apply to this account unless otherwise stated in the Dividend period - For these account types, the dividend period is monthly, for Common Features section. example, the beginning date of the first dividend period of the calendar year is SHARE DRAFT - BETTER CHECKING ACCOUNT January 1, and the ending date of such dividend period is January 31. All other All members 18 years of age or older with a Regular Share Savings Account. $25 dividend periods follow this same pattern of dates. The dividend declaration date minimum deposit required to open the account. Better Checking Account $4.99 is the last day of the dividend period, and for the example above is January 31. If monthly maintenance fee includes the following features: you close your account before dividends are paid, you will not receive the accrued dividends. This excludes CD’s that are within the 10 day grace period. • Free Access to over 65,000 ATMs nationwide with the Co-op Network Daily balance computation method - Dividends are calculated by the daily • Online Banking with Free Bill Pay balance method which applies a daily periodic rate to the balance in the account • Mobile Banking with Remote Deposit each day. • Debit on Demand Card Replacement Accrual of dividends on noncash deposits - Dividends will begin to accrue on • Unlimited Check Writing the business day you place noncash items (for example, checks) to your account. • IDProtect® - Identity Theft Protection Service 2 REGULAR AND PREMIUM SHARE SAVINGS ACCOUNT • Cellular Telephone Protection Minimum balance requirements: IDProtect includes credit file monitoring and automated alerts of changes to your Equifax, Experian and TransUnion credit reports*, 3-in-1 credit report, identity The minimum balance required to open a Regular Share Savings account is restoration assistance in the event of fraud, and more. $25.00. To open a Premium Share Savings account is $100.00. *Registration/activation required. You must maintain a minimum daily balance of $25.00 in your account to avoid a monthly maintenance fee. If, during any month, your account balance falls below IDProtect service is a personal identity theft protection service available to the required minimum daily balance, your account will be subject to a monthly personal checking account owners, their joint account owners and their eligible maintenance fee of $4.00 for that month. family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members You must maintain a minimum daily balance of $100.00 in your account each day (service not available to employees or authorized signers who are not owners). to obtain the disclosed annual percentage yield. Service is not available to a “signer” on the account who is not an account owner. Transaction limitations: Service is not available to clubs, organizations and/or churches and their During any statement period, you may not make more than six withdrawals or members, schools and their employees/students. For revocable grantor trusts, transfers to another credit union account of yours or to a third party by means of the service is available only when a grantor is serving as a trustee and covers the a preauthorized, automatic, or computer transfer, telephonic order or instruction, grantor trustee(s) and their eligible family members. For all other fiduciary or by check, draft, debit card (if applicable), or similar order to a third party. If you accounts, the service covers the beneficiary, who must be the primary member, exceed the transfer limitations set forth above, your account will be subject to and their eligible family members (Fiduciary is not covered). Family includes: closure by the credit union. Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same KIDS & TEEN CLUB ACCOUNTS household Guide to Benefit will be provided at account opening, See Guide to Minimum balance requirements: Benefit for additional details regarding eligibility, terms and exclusions. The minimum balance required to open the KIDS account is $5.00; TEEN Insurance products: are not a deposit, are not NCUA insured, are not insured by account is $25.00 (Junior Savings & Minor Account). any federal governmental agency, are not guaranteed by the credit union or any You must maintain a minimum daily balance of $25.00 in your account each day credit union affiliate. to obtain the disclosed annual percentage yield. SHARE DRAFT - BASIC CHECKING ACCOUNT Transaction limitations: All members 18 years of age or older with a Regular Share Savings Account. $25 During any statement period, you may not make more than six withdrawals or minimum deposit required to open the account. transfers to another credit union account of yours or to a third party by means of 14 15 • Free Access to over 65,000 ATMs nationwide with the Co-op Network Accrual of dividends on noncash deposits - Dividends will begin to accrue on • Online Banking with Free Bill Pay the business day you place noncash items (for example, checks) to your account. • Mobile Banking with Remote Deposit Transaction limitations: • Debit on Demand Card Replacement After the account is opened, you may not make additions into the account until the maturity date stated on the account. • No Monthly Service Charge; No Minimum Balance You may make withdrawals of principal from your account before maturity. • Limited Check Writing - 10 per month - $1 per item thereafter Principal withdrawn before maturity is included in the amount subject to early • Overdraft Transfer Fee: $1 per transaction withdrawal penalty. HSA SHARE DRAFT ACCOUNT You can only withdraw dividends credited in the term before maturity of that term Transaction limitations: without penalty. You can withdraw dividends anytime during the term of crediting No transaction limitations apply to this account unless otherwise stated in the after they are credited to your account. Common Features section. Time requirements - Your account will mature ———————————————— . Health Savings Accounts (HSA) - We permit you (as described below) to access your HSA with a debit card. This service is offered for the convenience of Early withdrawal penalties (a penalty may be imposed for withdrawals before managing your HSA. However, electronically accessing your HSA – for example, maturity) - getting additional cash back on an HSA debit card transaction – can raise a • If your account has an original maturity of one year or less: variety of tax concerns. As a result, before electronically accessing your HSA The penalty we may impose will equal three months dividends on the make sure you are using the correct card. Also, it is your responsibility to ensure amount withdrawn subject to penalty. the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a • If your account has an original maturity of more than one year: legal or tax professional if you have any questions about managing your HSA. The penalty we may impose will equal six months dividends on the The terms of this disclosure are intended to work in conjunction with the HSA amount withdrawn subject to penalty. Agreement provided to you earlier. In the event of a conflict, the terms of the In certain circumstances such as the death or incompetence of an owner of this HSA Agreement control. You understand that your HSA is intended to be used account, the law permits, or in some cases requires, the waiver of the early for payment of qualified medical expenses. It is your responsibility to satisfy any withdrawal penalty. Other exceptions may also apply, for example, if this is part tax liability resulting from use of your HSA for any purpose other than payment or of an IRA or other tax-deferred savings plan. reimbursement of qualified medical expenses. We do not monitor the purpose of Automatically renewable account - This account will automatically renew at any transaction to or from your HSA. Nor are we responsible for ensuring your maturity. You may prevent renewal if you withdraw the funds in the account at eligibility for making contributions or ensuring withdrawals are used for payment maturity (or within the grace period mentioned below, if any) or we receive written or reimbursement of qualified medical expenses. Refer to your HSA Agreement notice from you within the grace period mentioned below, if any. We can prevent for more information relating to the use of your HSA. renewal if we mail notice to you at least 30 calendar days before maturity. If either MONEY MARKET / PREMIER MONEY MARKET ACCOUNT you or we prevent renewal, your funds will be placed in a dividend-bearing account. Minimum balance requirements: Each renewal term will be the same as the original term, beginning on the The minimum balance required to open this account is $500.00. maturity date. The dividend rate will be the same we offer on new term share You must maintain a minimum daily balance of $500.00 in a Money Market accounts on the maturity date which have the same term, minimum balance (if account and $1,000.00 in a Premier Money Market account each day to obtain any) and other features as the original term share account. the disclosed annual percentage yield. You will have a grace period of ten calendar days after maturity to withdraw the Transaction limitations: funds without being charged an early withdrawal penalty. The minimum deposit we allow is $100.00 per deposit. ————————————— SHARE IRA CERTIFICATE The minimum amount you may withdraw is $250.00 per withdrawal. A penalty fee will be assessed for additional withdrawals to Reg. D. limits. Rate Information - The dividend rate on your term share account is —————% During any statement period, you may not make more than six withdrawals or with an annual percentage yield of —————%. You will be paid this rate until transfers to another credit union account of yours or to a third party by means of first maturity. a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft, debit card (if applicable), or similar order to a third party. If you Compounding frequency - Dividends will not be compounded. exceed the transfer limitations set forth above, your account will be subject to Crediting frequency - Dividends will be credited to your account every month. closure by the credit union. Alternatively, you may choose to have dividends paid to you or to another IRA SHARE SAVINGS ACCOUNT account every month rather than credited to this account. Minimum balance requirements: Dividend period - For this account type, the dividend period is monthly. The minimum balance required to open this account is $25.00. Minimum balance requirements: Transaction limitations: The minimum balance required to open this account is $1,000.00. You may make deposits up to the contribution limits for said year. The minimum balance required to earn the APY is the same as the amount required to open the certificate. You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, Daily balance computation method - Dividends are calculated by the daily telephonic order or instruction, or similar order to a third party. balance method which applies a daily periodic rate to the balance in the account each day. ————————————— SHARE CERTIFICATE Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account. Rate Information - The dividend rate on your term share account is —————% Transaction limitations: After the account is opened, you may not make additions into the account until with an annual percentage yield of —————%. You will be paid this rate until first maturity. the maturity date stated on the account. Compounding frequency - Dividends will not be compounded. You may make withdrawals of principal from your account before maturity. Principal withdrawn before maturity is included in the amount subject to early Crediting frequency - Dividends will be credited to your account every month. withdrawal penalty. Alternatively, you may choose to have dividends paid to you or to another account every month rather than credited to this account. You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends anytime during the term of crediting Dividend period - For this account type, the dividend period is monthly. after they are credited to your account. Minimum balance requirements: The minimum balance required to open this account is $1,000.00. Time requirements - Your account will mature ———————————————— . The minimum balance required to earn the APY is the same as the amount Early withdrawal penalties (a penalty may be imposed for withdrawals before required to open the certificate. maturity) - Daily balance computation method - Dividends are calculated by the daily • If your account has an original maturity of one year or less: balance method which applies a daily periodic rate to the balance in the account The penalty we may impose will equal three months dividends on the each day. amount withdrawn subject to penalty.

16 17 • If your account has an original maturity of more than one year: □ MONEY MARKET ACCOUNT □ PREMIER MONEY MARKET ACCOUNT The penalty we may impose will equal six months dividends on the amount withdrawn subject to penalty. Prospective dividend rate: 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 PRODUCT TIER BALANCE DIVIDEND RATE APY* withdrawal penalty. Other exceptions may also apply, for example, if this is part Money Market ______of an IRA or other tax-deferred savings plan. Automatically renewable 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 30 calendar days before maturity. If either you or we prevent renewal, your funds will be placed in a dividend-bearing ______account. Each renewal term will be the same as the original term, beginning on the Premier Money Market ______maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if ______any) and other features as the original term share account. ______You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. ______COMMON FEATURES ______Bylaw requirements: A minimum balance of $25.00 must be maintained in a Regular Share Savings (*Annual Percentage Yield) account. The membership may be terminated at the discretion of the Credit □ Union Board of Directors. IRA SHARE SAVINGS ACCOUNT Transaction limitation - We reserve the right to at any time require not less than Prospective dividend rate: seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit or demand deposit, or from any other savings The prospective dividend rate on your account is —————% with a prospective account as defined by Regulation D. annual percentage yield of % for the current dividend period. Nature of dividends - Dividends are paid from current income and available ————— earnings, after required transfers to reserves at the end of a dividend period. □ SHARE CERTIFICATE (This disclosure further explains the dividend feature of your non-term share —————————————— account(s).) □ —————————————— SHARE IRA CERTIFICATE National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. □ Maturity notice - Your ——————————————————— account will Overdraft Fee Transaction Categories - The categories of transactions for mature on ——————————————— , and it will automatically renew unless which an overdraft fee may be imposed are those by any of the following means: share draft, in-person withdrawal, ATM withdrawal, or other electronic means. you prevent it. The new maturity date will be ——————————————— . The Please refer to our separate fee schedule for additional information about charges. dividend rate and annual percentage yield that will apply to your ———————— Draft printing...... (fee depends on style and quantity of drafts ordered) ————————————— ——————————— account if it is renewed have not yet been determined. That information will be available on ——————————————— . After that YOUR ACCOUNT date, you may call the credit union during regular business hours at (603) 889-2470 These are the accounts you have opened or inquired about. Further details about these accounts are inside this disclosure. If the figures are not filled in, to find out the dividend rate and annual percentage yield that will apply to your please see the insert that is with this disclosure or your periodic statement. account if it is renewed. □ REGULAR SHARE SAVINGS ACCOUNT □ PREMIUM SHARE SAVINGS ACCOUNT □ KIDS and/or TEEN CLUB (Junior Savings & Minor) ACCOUNTS □ ONLINE SAVINGS ACCOUNT Prospective dividend rate: www.trianglecu.org As of the last dividend declaration date, the dividend rate was —————% with an 24/7 Toll Free Lending Line annual percentage yield of —————% on your account. 1-866-464-2182 □ SHARE DRAFT ACCOUNT Your savings federally insured to at least $250,000 □ JUNIOR CHECKING (TEEN CLUB) ACCOUNT and backed by the full faith and credit of the United States Government □ SHARE DRAFT - BETTER CHECKING ACCOUNT □ SHARE DRAFT - BASIC CHECKING ACCOUNT NCUA National Credit Union Administration, a U.S. Government Agency □ SHARE DRAFT - TRUST CHECKING ACCOUNT □ Hours of Operations SHARE DRAFT - ESTATE CHECKING ACCOUNT Mon - Wed 8:30 AM - 5:00 PM □ HSA SHARE DRAFT ACCOUNT Thurs - Fri 8:30 AM - 6:00 PM Saturday 8:00 AM - 12:00 NOON Prospective dividend rate: 201332030-020 The prospective dividend rate on your account is —————% with a prospective © 2016 Wolters Kluwer Financial Services, Inc. All rights reserved. AIB-TIS-CU 6/1/2016 Custom TCM-32CUt,2bk,3p,4s annual percentage yield of —————% for the current dividend period. 18 19