Common use of Automated Teller Machines Clause in Contracts

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) will not be available until the first business day after the day of your deposit. The first $200 of a deposit made at an ATM will be available immediately. Deposits allowed at CO-OP ATMs only. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institution upon which it is drawn. TRUTH-IN-SAVINGS DISCLOSURE SHARE SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The minimum balance required to open this account is $25.00. Refer to our fee schedule for the minimum balance required to avoid the imposition of fees on this account. Refer to our rate schedule for the minimum balance required to earn the disclosed annual percentage yield for this account. Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. 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. Transaction limitations: During any calendar month, 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 a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account may be subject to closure by the credit union. Par value of a share: The par value of a share in this account is $5.00. Fees and charges: A monthly maintenance fee may apply. See our fee schedule for details. An excessive savings account withdrawal fee will be charged for each withdrawal in excess of four during a calendar month. See our fee schedule for details. HOLIDAY SAVINGS ACCOUNT

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the first fifth business day after the day of your deposit. The first $200 of a deposit This rule does not apply at ATMs that we own or operate. Funds from any deposits (cash or checks) made at an ATM automated teller machines (ATMs) we own or operate will not be available immediatelyuntil the second business day after the day of your deposit. All ATMs that we own or operate are identified as our machines. Deposits allowed at CO-OP ATMs onlyOther Locations This availability policy only applies to funds deposited at our locations. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, Please inquire for information about the availability of funds for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institution upon which it is drawndeposited at other locations. TRUTH-IN-SAVINGS DISCLOSURE REGULAR SHARE SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, every month. We may change the dividend rate for your account as determined by the credit union board of directors. Rate and fee information may be found in the Savings Rate Schedule and Fee Schedule. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. Though dividend declaration date is the last day of the dividend period and for the example above is January 31. Minimum balance requirements: The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. 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. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Par value of a share: The par value of a share in this account is $5.00. CLASSIC CHECKING (SHARE DRAFT) Minimum balance requirements: You must maintain a minimum daily balance of $1,000 in your account to avoid a service charge fee. If, during any monthly statement cycle, your account balance falls below the required minimum daily balance, your account will be subject to a service charge fee as disclosed in the Fee Schedule. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. SOLID INTEREST CHECKING (SHARE DRAFT) Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors. Rate and fee information may be found in the Savings Rate Schedule and Fee Schedule. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, period and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The You must maintain a minimum daily balance required to open this of $2,500 in your account is $25.00. Refer to our fee schedule for the minimum balance required to avoid a service charge fee. If, during any monthly statement cycle. Your account balance falls below the imposition of fees on this accountrequired minimum daily balance; your account will be subject to a service charge fee as disclosed in the Fee Schedule. Refer to our rate schedule for the minimum balance required to earn the disclosed annual percentage yield for this account. Average daily Daily balance computation method - Dividends are calculated by the average daily balance method which applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycleday. 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. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. xXXXXXXXX ACCOUNT (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $ 0.20 will be charged for each item in excess of 10 during a month. Transaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. IUK COUGARS CHECKING (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $.25 will be charged for each item in excess of 15 during the month. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. KOKOMO EDGE CHECKING (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $ .25 will be charged for each item in excess of 15 during the month Transaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. CHECKING II (SHARE DRAFT) Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Fees and charges: A monthly service fee of $10.00 will be charged each month. No more than two NSFs in a 30-day period. After two NSFs the account will be closed. UNITED CHECKING (SHARE DRAFT) Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. Fees and Charges: No more than two NSF's in a 30 day period. After two NSF's the account will be closed. Rate Information: No dividends are paid on this account. PREMIER INVESTMENT ACCOUNT Rate Information: The dividend rate and annual percentage yield may change every dividend period. The dividend rate for your account is based on the 3- month T-Bill closed rate as published in The Wall Street Journal. The balance in the account will determine the dividend rate: Balances from $0.00 to $49,999.99 3-month T-bill minus 1.00% Balances $50,000.00 and greater 3-month T-bill minus .50% Rate Cap - The rate on the account has a cap or maximum rate that can be earned, of 3.50% Annual Percentage Yield on balances greater that $50,000, and 3.00% Annual Percentage Yield on balances les that $50,000. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. Minimum balance requirements: No minimum balance requirements apply to this account. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. 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. Transaction limitations: New money deposits only: Transfers from other Solidarity accounts not applicable. Please refer to our separate Fee Schedule for additional information about charges. MONEY MARKET SAVINGS Rate Information: The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Rate information may be found in the Savings Rate Schedule. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. Minimum balance requirements: No minimum balance requirements apply to this account. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. 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. Transaction limitations: No more than six withdrawals are allowed each month. During any calendar month, 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 a preauthorized, automatic, preauthorized or computer automatic transfer, telephonic order or instruction, computer transfer or by check, draft debit card, or similar order to a third partydraft. If you exceed the transfer limitations set forth above, your account may will be subject to closure by the credit union. Par value of a share: The par value of a share in this account is $5.00. Fees and charges: A monthly maintenance fee may apply. See our fee schedule for details. An excessive savings account withdrawal fee of $5.00 will be charged for each withdrawal in excess of four six during a calendar month. See our fee schedule for details. HOLIDAY SAVINGS ACCOUNT.

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the first fifth business day after the day of your deposit. The first $200 of a deposit This rule does not apply at ATMs that we own or operate. Funds from any deposits (cash or checks) made at an ATM automated teller machines (ATMs) we own or operate will not be available immediatelyuntil the second business day after the day of your deposit. All ATMs that we own or operate are identified as our machines. Deposits allowed at CO-OP ATMs onlyOther Locations This availability policy only applies to funds deposited at our locations. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, Please inquire for information about the availability of funds for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institution upon which it is drawndeposited at other locations. TRUTH-IN-SAVINGS DISCLOSURE REGULAR SHARE SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, every month. We may change the dividend rate for your account as determined by the credit union board of directors. Rate and fee information may be found in the Savings Rate Schedule and Fee Schedule. Compounding and crediting - – Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. Though dividend declaration date is the last day of the dividend period and for the example above is January 31. Minimum balance requirements: The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Featuressectionforadditionalinformation. Daily balance computation method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account eachday. 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. Transaction limitations: No transaction limitations apply to this account unless otherwisestatedin the Common Featuressection. Par value of a share: The par value of a share in this account is $5.00. ADVANTAGE CHECKING (SHARE DRAFT) Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors. Rate and fee information may be found in the Savings Rate Schedule and Fee Schedule. Compounding and crediting – Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, period and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The minimum balance required to open this account is $25.00. Refer to our fee schedule for the minimum balance required to avoid the imposition of fees on this account. Refer to our rate schedule for the minimum balance required to earn the disclosed annual percentage yield for this account. Average daily Daily balance computation method - – Dividends are calculated by the average daily balance method which applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycleday. 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. Transaction limitations: During No transaction limitations apply to this account unless otherwise stated in the Common Features section. Account Requirement: ACH deposit and 14 Debit Card Transactions each month. Opening deposit requirement: $25.00 CLASSIC CHECKING (SHARE DRAFT) Minimum balance requirements: You must maintain a minimum daily balance of $1,000 in your account to avoid a service charge fee. If, during any calendar month, 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 a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft debit card, or similar order to a third party. If you exceed the transfer limitations set forth abovemonthly statement cycle, your account may balance falls below the required minimum daily balance, your account will be subject to closure by a service charge fee as disclosed in the credit unionFee Schedule. Par value of a shareTransaction limitations: The par value of a share in No transaction limitations apply to this account unless otherwise stated in the Common Features section. Opening deposit requirement: $25.00 55 Plus CHECKING (SHARE DRAFT) Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. Rate Information: No dividends are paid on this account. Opening deposit requirement: $25.00 IUK COUGARS CHECKING (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $5.00.25 will be charged for each item in excess of 15 during the month. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. Opening deposit requirement: $25.00 KOKOMO EDGE CHECKING (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee of $ .25 will be charged for each item in excess of 15 during the month Transaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section. Opening deposit requirement: $25.00 CHECKING II (SHAREDRAFT) Minimum balance requirements: No minimum balance requirements apply to this account. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Fees and charges: A monthly maintenance service fee will be charged each month. No more than two NSFs in a 30-day period. After two NSFs the account will be closed. Rate and fee information may applybe found in the Savings Rate Schedule and Fee Schedule. See our Opening deposit requirement: $25.00 xXXXXXXXX ACCOUNT (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is no minimum balance requirement on this account. Fees and Charges: A per item fee schedule for details. An excessive savings account withdrawal fee of $ 0.20 will be charged for each withdrawal item in excess of four 10 during a calendar month. See our fee schedule for details. HOLIDAY SAVINGS ACCOUNTTransaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section.

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate, or at ATMs we do not own or operate, will not be available until on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first business day after the day of your deposit and if the machine detects and transmits that cash is received, funds will be available on the first business day after the day of deposit. The Also, the first $200 225 of a check deposit will be available on the first business day after the day of deposit. Checks drawn on BluPeak Credit Union will be available on the first business day after the day of deposit if the deposit is made at an ATM will be available immediatelylocated on our premises. Deposits allowed at CO-OP Longer delays may apply as described above. All ATMs onlythat we own or operate are identified as our machines. FOREIGN CHECKS Checks drawn on financial institutions located outside DEPOSITS THROUGH MOBILE DEPOSIT For information regarding the U.S. (Foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, the funds availability of funds for deposits of foreign checks will be delayed for made through Mobile Deposit, please refer to the time it takes to collect the funds from the financial institution upon which it is drawnMobile Deposit Terms and Agreement disclosure located within online banking. TRUTH-IN-SAVINGS DISCLOSURE SHARE SAVINGS ACCOUNT Rate Information: The Refer to the Deposit Rate schedule for information regarding current dividend rate rates and annual percentage yield may change at any time, yields (APYs). All dividend rates and APYs are the anticipated rates and yields as determined by the credit union board of directors. Compounding and crediting - Dividends will be crediting: For checking and money market accounts that earn dividends, the dividends are compounded every monthand credited monthly. Dividends will be For savings accounts that earn dividends, dividends are compounded and credited to your account every monthquarterly, except for the Holiday Savings Account where dividends are credited once annually in November with no compounding. Dividend period - period: For this account typeaccounts that are credited dividends monthly, the dividend period is monthlyeach calendar month, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, period and for the example above is January 31. If you close your account before For accounts that are credited dividends are paidquarterly, you will not receive the accrued dividendsdividend period is each calendar quarter, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. Minimum balance requirements: All other dividend periods follow this same pattern of dates. The minimum balance required to open this account dividend declaration date is $25.00. Refer to our fee schedule the last day of the dividend period and for the minimum balance required to avoid the imposition of fees on this accountexample above is March 31. Refer to our rate schedule for the minimum balance required to earn the disclosed annual percentage yield for this account. Average daily Daily balance computation method - method: Dividends are calculated by the average daily balance method which applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycle. Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your accountday. Transaction limitations: During any calendar month, you may not make more than six withdrawals or transfers Refer to another credit union account the Transfer Limitations section of yours or this disclosure and agreement. Minimum Balance: Refer to a third party by means the Deposit Rate schedule and the Schedule of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account may be subject to closure by the credit union. Par value of a share: The par value of a share in this account is $5.00. Fees and chargesCharges for minimum balance information. Promotional Bonuses: A monthly maintenance fee Any Promotional Bonus may applyend at any time. See our fee schedule for details. An excessive savings account withdrawal fee will be charged for each withdrawal Promotional bonuses valued in excess of four during a calendar month. See our fee schedule for details. HOLIDAY SAVINGS ACCOUNT$10.00 will be included as dividends earned or as miscellaneous payments and will be reported to the IRS on form 1099-INT or form 1099-MISC, as appropriate.

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) We do not own or operate, or shared branch locations, will not be available until the first fifth business day after the day of your Your deposit. The first $200 of a deposit made at an ATM Funds from all other check deposits will be available immediatelyon the eleventh business day after the day of Your deposit. Deposits allowed Funds from any deposits made at CO-OP ATMs only. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) canowned or operated by AACFCU will not be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds available for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institution upon which it is drawnat least 24 hours. TRUTH-IN-SAVINGS DISCLOSURE SAVINGSDISCLOSURE REGULAR XXXXX, SAVE YOUR WAY, SHARE AND YOUTH SAVINGS ACCOUNT Rate Information: Information - The dividend rate and annual percentage yield may change at any time, every dividend period. We may change the dividend rate for Your account as determined by the credit union Credit Union board of directors. Compounding and crediting - Crediting – Dividends will be compounded every monthquarter. Dividends will be credited to your Your account every monthquarter. Dividend period - Period – For this account type, the dividend period is monthlyquarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, period and for the example above is January March 31. If you close your this account type is closed during the dividend period and before dividends are paidthe dividend declaration date, you Your account will not receive the accrued dividendsdividends for that period. Minimum balance requirements: Balance Requirements – The minimum balance required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum average daily balance of $25.00. Refer 5.00 in Your account to our fee schedule for the minimum balance required to avoid the imposition of fees on this account. Refer to our rate schedule for the minimum balance required to earn obtain the disclosed annual percentage yield for this accountyield. Average daily balance computation method - Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we We use is the monthly quarterly statement cycle. Accrual of dividends Dividends on noncash deposits - Noncash Deposits – Dividends will begin to accrue on the business day you You place noncash items (for example, checks) to your Your account. Transaction limitations: Limitations – During any calendar monthstatement period, you You may not make more than six withdrawals or transfers to another credit union Credit Union account of yours Yours or to a third party by means of a preauthorized, automatic, automatic or computer transfer, transfer or telephonic order or instruction, or by check, draft debit card, or similar order to a third party. If you You exceed the transfer limitations set forth aboveabove in any statement period, your Your account may will be subject to closure by the credit unionCredit Union. Par value Value of a share: Share – The par value of a share in this account is $5.00. Fees CHRISTMAS CLUB ACCOUNT Rate Information - The dividend rate and charges: A monthly maintenance fee annual percentage yield may applychange every dividend period. See our fee schedule We may change the dividend rate for detailsYour account as determined by the Credit Union board of directors. An excessive savings Compounding and Crediting – Dividends will be compounded every quarter. Dividends will be credited to Your account withdrawal fee every quarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is 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 date is the last day of the dividend period, and for the example above is March 31. If this account type is closed during the dividend period and before the dividend declaration date, Your account will not receive dividends for that period. Minimum Balance Requirements – The minimum required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period We use is the quarterly statement cycle. 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. Transaction Limitations – 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, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before club ending, then this account will be charged $10.00 for each withdrawal in excess transfer or withdrawal. IRA ACCUMULATION ACCOUNT Rate Information – The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for Your account as determined by Credit Union board of four during a calendar monthdirectors. See our fee schedule for detailsCompounding or Crediting – Dividends will be compounded every quarter. HOLIDAY SAVINGS ACCOUNTDividends will be credited to Your account every quarter.

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) We do not own or operate, or shared branch locations, will not be available until the first fifth business day after the day of your Your deposit. The first $200 of a deposit made at an ATM Funds from all other check deposits will be available immediatelyon the eleventh business day after the day of Your deposit. Deposits allowed Funds from any deposits made at CO-OP ATMs only. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) canowned or operated by All In Credit Union will not be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds available for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institution upon which it is drawnat least 24 hours. TRUTH-IN-SAVINGS DISCLOSURE SAVINGSDISCLOSURE ALLI CAT, COOL CAT, STUDENT, SHARE AND SAVE YOUR WAY SAVINGS ACCOUNT Rate Information: Information - The dividend rate and annual percentage yield may change at any time, every dividend period. We may change the dividend rate for Your account as determined by the credit union board Credit Union Board of directorsDirectors. Compounding and crediting Crediting – Dividends will be compounded every quarter. Dividends will be credited to Your account every quarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is 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 date is the last day of the dividend period and for the example above is March 31. If this account type is closed during the dividend period and before the dividend declaration date, Your account will not receive dividends for that period. Minimum Balance Requirements – The minimum required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum average daily balance of $5.00 in Your account to obtain the disclosed annual percentage yield. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period We use is the quarterly statement cycle. 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. Transaction Limitations – 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 a preauthorized, automatic or computer transfer or telephonic order or instruction. If You exceed the transfer limitations set forth above in any statement period, Your account will be subject to closure by Credit Union. Par Value of a Share – The par value of a share in this account is $0.01. CHRISTMAS CLUB ACCOUNT Rate Information - The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for Your account as determined by the Credit Union Board of Directors. Compounding and Crediting – Dividends will be compounded every quarter. Dividends will be credited to Your account every quarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is 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 date is the last day of the dividend period, and for the example above is March 31. If this account type is closed during the dividend period and before the dividend declaration date, Your account will not receive dividends for that period. Minimum Balance Requirements – The minimum required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period We use is the quarterly statement cycle. 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. Transaction Limitations – 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, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before club ending, then this account will be charged $10.00 for each transfer or withdrawal. IRA ACCUMULATION ACCOUNT Rate Information – The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for Your account as determined by Credit Union Board of Directors. Compounding or Crediting – Dividends will be compounded every month. Dividends will be credited to your Your account every month. Dividend period - 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If you close your this account type is closed during the dividend period and before dividends are paidthe dividend declaration date, you Your account will not receive the accrued dividendsdividends for that period. Minimum balance requirements: Balance Requirements – The minimum balance required to open this account is $25.00the purchase of a share in the Credit Union. Refer to our fee schedule Please see the bylaw requirements in the Common Features section for the minimum balance required to avoid the imposition of fees on this account. Refer to our rate schedule for the minimum balance required to earn the disclosed annual percentage yield for this accountadditional information. Average daily balance computation method - Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we We use is the monthly statement cycle. Accrual of dividends Dividends on noncash deposits - Noncash Deposits – Dividends will begin to accrue on the business day you You place noncash items (for example, checks) to your Your account. Transaction limitations: Limitations – 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, telephonic order or instruction, or similar order to a third party. MEMBER’S CHOICE PLUS AND YOUTH SHARE DRAFT ACCOUNT (No dividends are paid on the account) Minimum Balance Requirements – The minimum balance required to open this account is $25.00. Transaction Limitations – No transaction limitations apply to this account unless otherwise stated in the Common Features section. MONEY MARKET ACCESS ACCOUNT Rate Information – The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for Your account as determined by the Credit Union Board of Directors. Compounding and Crediting – Dividends will be compounded every month. Dividends will be credited to Your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is January 31. If this account type is closed during the dividend period and before the dividend declaration date, Your account will not receive dividends for that period. Minimum Balance Requirements – The minimum balance required to open this account is $1,500.00. You must maintain a minimum daily balance of $1,500.00 in Your account to obtain the disclosed annual percentage yield. Daily Balance Computation Method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the account each day. 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. Transaction Limitations – During any calendar monthstatement period, you You may not make more than six withdrawals or transfers to another credit union Credit Union account of yours Yours or to a third party by means of a preauthorized, automatic, automatic or computer transfer, transfer or telephonic order or instruction, or by check, draft debit card, or similar order . PRIME CHECKING ACCOUNT Minimum Balance Requirements - The minimum balance required to a third party. If you exceed the transfer limitations set forth above, your account may be subject to closure by the credit union. Par value of a share: The par value of a share in open this account is $5.0025.00. Fees Transaction Limitations - No transaction limitations apply to this account unless otherwise stated in the Common Features section. However, there is a $3 per month fee in order to have this account, waived if an aggregate balance of $10,000 or more on deposit. Member discounts and charges: other benefits are provided by this account. SMART REWARDS CHECKING ACCOUNT (No dividends are paid on this account) Minimum Balance Requirements – The minimum balance required to open this account is $25.00. Transaction Limitations – No transaction limitations apply to this account unless otherwise stated in the Common Features section. However, there is a $6 per month fee in order to have this account. Member discounts and other benefits are provided by this account. SMART REWARDS PREMIUM CHECKING ACCOUNT (No dividends are paid on this account) Minimum Balance Requirements – The minimum balance required to open this account is $25.00. Transaction Limitations – No transaction limitations apply to this account unless otherwise stated in the Common Features section. A monthly maintenance fee may apply. See our fee schedule for details. An excessive savings account withdrawal fee Monthly Maintenance Fee of $6.00 will be charged assessed if a $1,500 minimum balance or average relationship balance of $10,000 is not maintained. Discounts offered for each withdrawal Smart Rewards Checking account holders are offered by Bazing and occur at the time of purchase. YOU CHOOSE DEBIT ACCOUNT (No dividends are paid on the account) Minimum Balance Requirements – The minimum balance required to open this account is $25.00. Transaction Limitations – Access to the funds in excess of four during this account will be by debit card, automated teller machine (ATM), online internet access and telephone home banking, remote deposit capture and teller service transactions we permit. This account has no discretionary overdraft privilege negative balance features as a calendar monthtraditional share draft account. See our fee schedule Bill Payment transactions, share drafts, checks, automated clearing house (ACH) or third-party payment transactions are not permitted. SHARE CERTIFICATE (Refer to the Share Certificate Rates and Annual Percentage Yields disclosure when inquiring and when opening Your Share Certificate account for details. HOLIDAY SAVINGS ACCOUNTspecific rates.)

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) We do not own or operate, or shared branch locations, will not be available until the first fifth business day after the day of your Your deposit. The first $200 of a deposit made at an ATM Funds from all other check deposits will be available immediatelyon the eleventh business day after the day of Your deposit. Deposits allowed Funds from any deposits made at CO-OP ATMs only. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) canowned or operated by AACFCU will not be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds available for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institution upon which it is drawnat least 24 hours. TRUTH-IN-SAVINGS DISCLOSURE SAVINGSDISCLOSURE REGULAR XXXXX, SHARE AND YOUTH SAVINGS ACCOUNT Rate Information: Information - The dividend rate and annual percentage yield may change at any time, every dividend period. We may change the dividend rate for Your account as determined by the credit union Credit Union board of directors. Compounding and crediting - Crediting – Dividends will be compounded every monthquarter. Dividends will be credited to your Your account every monthquarter. Dividend period - Period – For this account type, the dividend period is monthlyquarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, period and for the example above is January March 31. If you close your this account type is closed during the dividend period and before dividends are paidthe dividend declaration date, you Your account will not receive the accrued dividendsdividends for that period. Minimum balance requirements: Balance Requirements – The minimum balance required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum average daily balance of $25.00. Refer 5.00 in Your account to our fee schedule for the minimum balance required to avoid the imposition of fees on this account. Refer to our rate schedule for the minimum balance required to earn obtain the disclosed annual percentage yield for this accountyield. Average daily balance computation method - Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we We use is the monthly quarterly statement cycle. Accrual of dividends Dividends on noncash deposits - Noncash Deposits – Dividends will begin to accrue on the business day you You place noncash items (for example, checks) to your Your account. Transaction limitations: Limitations – During any calendar monthstatement period, you You may not make more than six withdrawals or transfers to another credit union Credit Union account of yours Yours or to a third party by means of a preauthorized, automatic, automatic or computer transfer, transfer or telephonic order or instruction, or by check, draft debit card, or similar order to a third party. If you You exceed the transfer limitations set forth aboveabove in any statement period, your Your account may will be subject to closure by the credit unionCredit Union. Par value Value of a share: Share – The par value of a share in this account is $5.00. Fees CHRISTMAS CLUB ACCOUNT Rate Information - The dividend rate and charges: A monthly maintenance fee annual percentage yield may applychange every dividend period. See our fee schedule We may change the dividend rate for detailsYour account as determined by the Credit Union board of directors. An excessive savings Compounding and Crediting – Dividends will be compounded every quarter. Dividends will be credited to Your account withdrawal fee every quarter. Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is 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 date is the last day of the dividend period, and for the example above is March 31. If this account type is closed during the dividend period and before the dividend declaration date, Your account will not receive dividends for that period. Minimum Balance Requirements – The minimum required to open this account is the purchase of a share in the Credit Union. Please see the bylaw requirements in the Common Features section for additional information. Average Daily Balance Computation Method – Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period We use is the quarterly statement cycle. 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. Transaction Limitations – 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, telephonic order or instruction, or similar order to a third party. If any withdrawals are made from this account before club ending, then this account will be charged $10.00 for each withdrawal in excess transfer or withdrawal. IRA ACCUMULATION ACCOUNT Rate Information – The dividend rate and annual percentage yield may change every dividend period. We may change the dividend rate for Your account as determined by Credit Union board of four during a calendar monthdirectors. See our fee schedule for detailsCompounding or Crediting – Dividends will be compounded every quarter. HOLIDAY SAVINGS ACCOUNTDividends will be credited to Your account every quarter.

Automated Teller Machines. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the first fifth business day after the day of your deposit. The first $200 of a deposit This rule does not apply at ATMs that we own or operate. Funds from any deposits (cash or checks) made at an ATM automated teller machines (ATMs) we own or operate will not be available immediatelyuntil the second business day after the day of your deposit. All ATMs that we own or operate are identified as our machines. Deposits allowed at CO-OP ATMs onlyOther Locations This availability policy only applies to funds deposited at our locations. FOREIGN CHECKS Checks drawn on financial institutions located outside the U.S. (Foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign Rate Information: KID’S SAVINGS ACCOUNT (Members under age 18) checks are exempt from the policies outlined in this disclosure. Generally, Please inquire for information about the availability of funds for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institution upon which it is drawndeposited at other locations. TRUTH-IN-SAVINGS DISCLOSURE REGULAR SHARE SAVINGS ACCOUNT Rate Information: The dividend rate and annual percentage yield may change at any time, every month. We may change the dividend rate for your account as determined by the credit union board of directors. Rate and fee information may be found in the Savings Rate Schedule and Fee Schedule. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. Though dividend declaration date is the last day of the dividend period and for the example above is January 31. Minimum balance requirements: The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. 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. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. Par value of a share: The par value of a share in this account is $5.00. CLASSIC CHECKING (SHARE DRAFT) Minimum balance requirements: You must maintain a minimum daily balance of $1,000 in your account to avoid a service charge fee. If, during any monthly statement cycle, your account balance falls below the required minimum daily balance, your account will be subject to a service charge fee as disclosed in the Fee Schedule. Transaction limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features section. SOLID INTEREST CHECKING (SHARE DRAFT) Rate Information: The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors. Rate and fee information may be found in the Savings Rate Schedule and Fee Schedule. Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. 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 January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, period and for the example above is January 31. If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The You must maintain a minimum daily balance required to open this of $2,500 in your account is $25.00. Refer to our fee schedule for the minimum balance required to avoid a service charge fee. If, during any monthly statement cycle. Your account balance falls below the imposition of fees on this accountrequired minimum daily balance; your account will be subject to a service charge fee as disclosed in the Fee Schedule. Refer to our rate schedule for the minimum balance required to earn the disclosed annual percentage yield for this account. Average daily Daily balance computation method - Dividends are calculated by the average daily balance method which applies a daily periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the monthly statement cycleday. 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. Transaction limitations: During any calendar month, you may not make more than six withdrawals or transfers No transaction limitations apply to another credit union account of yours or to a third party by means of a preauthorized, automatic, or computer transfer, telephonic order or instruction, or by check, draft debit card, or similar order to a third party. If you exceed the transfer limitations set forth above, your account may be subject to closure by the credit union. Par value of a share: The par value of a share in this account unless otherwise stated in the Common Features section. xXXXXXXXX ACCOUNT (SHARE DRAFT) Rate Information: No dividends are paid on this account. Minimum balance: There is $5.00no minimum balance requirement on this account. Fees and chargesCharges: A monthly maintenance per item fee may apply. See our fee schedule for details. An excessive savings account withdrawal fee of $ 0.20 will be charged for each withdrawal item in excess of four 10 during a calendar month. See our fee schedule for details. HOLIDAY SAVINGS ACCOUNTTransaction Limitations: No transaction limitations apply to this account unless otherwise stated in the Common Features Section.