Common use of Early Withdrawal Provisions Clause in Contracts

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity less than or equal to 3 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity greater than 18 months but less than or equal to 24 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR IRA TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Account, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 six months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 greater of seven days' dividends if such withdrawal occurs within 7 days or all earned dividends, subject to a maximum of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity equal to or less than 24 months but greater than 18 months but less than or equal to 24 six months, the penalty imposed will equal the greater of seven days' dividends or all earned dividends, subject to a maximum of 180 days’ ' dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 the greater of seven days’ ' dividends or all earned dividends, subject to a maximum of 360 days' dividends. Renewal Policies. Your Account will renew automatically at maturity. , You will have a no grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR JUMBO TRADITIONAL IRA TERM SHARE CERTIFICATE ACCOUNT CERTIFICATES, JUMBO XXXX XXX CERTIFICATES, JUMBO ESA CERTIFICATES, AND JUMBO SEP IRA CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity Maturity less than or equal to 3 months91 days, the amount of the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity Maturity greater than 3 months 91 days, but less than or equal to 18 12 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity greater than 18 months but less than or equal to 24 12 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ ' dividends. Renewal Policies. Your Account will renew automatically at maturity. maturity and You will have a grace period of 10 7 calendar days following the Maturity Date to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR IRA TERM SHARE CERTIFICATE ACCOUNT Transaction Limitations. Once Your Account is established You may not make additional deposits to Your Account prior to maturity. Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once APY and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity less than or equal to 3 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity greater than 18 months but less than or equal to 24 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 calendar days to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR IRA TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Account, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APYAPY and to keep Your Account open. Transaction Limitations. The initial deposit must consist of funds not previously on deposit with Us. Once Your Account is established, You may not make additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject prior to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional informationMaturity Date. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 six months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 greater of seven days' dividends if such withdrawal occurs within 7 days or all earned dividends, subject to a maximum of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity equal to or less than 24 months but greater than 18 months but less than or equal to 24 six months, the penalty imposed will equal the greater of seven days' dividends or all earned dividends, subject to a maximum of 180 days’ ' dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 the greater of seven days’ ' dividends or all earned dividends, subject to a maximum of 360 days' dividends. Renewal Policies. Your Account will renew automatically at maturity. Maturity, and You will not have a grace period of 10 calendar days following the Maturity Date in which to make deposits deposits, or to make withdrawals without penalty. Additional funds may be deposited into the Account only on the Maturity Date. To avoid a penalty for early withdrawal, funds may only be withdrawn on the Maturity Date. SPECIFIC TERMS APPLICABLE TO YOUR TRADITIONAL IRA TERM SHARE CERTIFICATE ACCOUNT CERTIFICATES, XXXX XXX CERTIFICATES, ESA CERTIFICATES, AND SEP IRA CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity Maturity less than or equal to 3 months91 days, the amount of the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity Maturity greater than 3 months 91 days, but less than or equal to 18 12 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity greater than 18 months but less than or equal to 24 12 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ ' dividends. Renewal Policies. Your Account will renew automatically at maturity. maturity and You will have a grace period of 10 7 calendar days following the Maturity Date to make deposits or withdrawals without penalty. Transaction Limitations. Once Your Account is established You may not make additional deposits to Your Account prior to maturity SPECIFIC TERMS APPLICABLE TO YOUR IRA TERM SHARE YOUTH SAVER CERTIFICATE ACCOUNT ACCOUNTS Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity Maturity less than or equal to 3 months91 days, the amount of the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity Maturity greater than 3 months 91 days, but less than or equal to 18 12 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity greater than 18 months but less than or equal to 24 12 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ ' dividends. Renewal Policies. Your Account will renew automatically at maturity. maturity and You will have a grace period of 10 7 calendar days following the Maturity Date to make deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR Transaction Limitations. Once Your Account is established You may not make additional deposits to Your Account prior to maturity. Additional Information. Individual Retirement Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA TERM SHARE CERTIFICATE ACCOUNT Agreement or Your tax advisor for additional information. Fixed Rate Information. This Account is subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once APY and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 six months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 greater of seven days' dividends if such withdrawal occurs within 7 days or all earned dividends, subject to a maximum of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity equal to or less than 24 months but greater than 18 months but less than or equal to 24 six months, the penalty imposed will equal the greater of seven days' dividends or all earned dividends, subject to a maximum of 180 days’ ' dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 the greater of seven days’ ' dividends or all earned dividends, subject to a maximum of 360 days' dividends. Renewal Policies. Your Account will renew automatically at maturity. , You will have a no grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR TRADITIONAL IRA TERM SHARE CERTIFICATE ACCOUNT CERTIFICATES, XXXX XXX CERTIFICATES, ESA CERTIFICATES, AND SEP IRA CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity less than or equal to 3 12 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 31 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ dividends. For Accounts with a term to maturity equal to or greater than 18 months but less than or equal to 24 12 months, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ 90 days dividends. Renewal Policies. Your Account will not renew automatically at maturity. , You will have a 10-calendar-day grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR IRA VARIABLE-RATE TERM SHARE CERTIFICATE ACCOUNT Fixed Variable Rate Information. This Account is These Accounts are subject to a Fixed Variable Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APYAPY and to keep Your Account open. Transaction Limitations. Once Your Account is established, additional deposits You may only be made through qualified regular contributionsnot make deposits. Additionally, direct transfers the Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven and rollovers. Individual Retirement Accounts (IRAs) are also subject up to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information60 days before any such withdrawal. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 six months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 greater of seven days' dividends if such withdrawal occurs within 7 days or all earned dividends, subject to a maximum of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity equal to or less than 24 months but greater than 18 months but less than or equal to 24 six months, the penalty imposed will equal the greater of seven days' dividends or all earned dividends, subject to a maximum of 180 days’ ' dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 the greater of seven days’ ' dividends or all earned dividends, subject to a maximum of 360 days' dividends. Renewal Policies. Your Account will renew automatically at maturity. Maturity, and You will not have a grace period of 10 calendar days following the Maturity Date in which to make deposits deposits, or to make withdrawals without penalty. Additional funds may be deposited into the Account only on the Maturity Date. To avoid a penalty for early withdrawal, funds may only be withdrawn on the Maturity Date. SPECIFIC TERMS APPLICABLE TO YOUR JUMBO TRADITIONAL IRA TERM SHARE CERTIFICATE ACCOUNT CERTIFICATES, JUMBO XXXX XXX CERTIFICATES, JUMBO ESA CERTIFICATES, AND JUMBO SEP IRA CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 six months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 greater of seven days' dividends if such withdrawal occurs within 7 days or all earned dividends, subject to a maximum of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity equal to or less than 24 months but greater than 18 months but less than or equal to 24 six months, the penalty imposed will equal the greater of seven days' dividends or all earned dividends, subject to a maximum of 180 days’ ' dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 the greater of seven days’ ' dividends or all earned dividends, subject to a maximum of 360 days' dividends. Renewal Policies. Your Account will renew automatically at maturity. Maturity, and You will not have a grace period of 10 calendar days following the Maturity Date in which to make deposits deposits, or to make withdrawals without penalty. Additional funds may be deposited into the Account only on the Maturity Date. To avoid a penalty for early withdrawal, funds may only be withdrawn on the Maturity Date. SPECIFIC TERMS APPLICABLE TO YOUR JUMBO TRADITIONAL IRA TERM SHARE CERTIFICATE ACCOUNT CERTIFICATES, JUMBO XXXX XXX CERTIFICATES, JUMBO ESA CERTIFICATES, AND JUMBO SEP IRA CERTIFICATES Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with having a term to maturity equal to or less than or equal to 3 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 monthsone year, the penalty imposed will equal 90 days’ days of dividends. For Accounts with having a term to maturity greater than 18 months but less than or equal to 24 monthsone year, the penalty imposed will equal 180 days’ dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 days’ days of dividends. Renewal Policies. Your Account will renew automatically at maturity. You will have a grace period of 10 7 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. Transaction Limitations. Once Your Account is established, You may not make deposits into Your Account until the maturity of Your Account. If You exceed this limitation, Your Account may be subject to closure by the Credit Union. SPECIFIC TERMS APPLICABLE TO YOUR IRA BUSINESS CD PLUS TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplementaccount disclosure rate supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 six months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 greater of seven days' dividends if such withdrawal occurs within 7 days or all earned dividends, subject to a maximum of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity equal to or less than 24 months but greater than 18 months but less than or equal to 24 six months, the penalty imposed will equal the greater of seven days' dividends or all earned dividends, subject to a maximum of 180 days’ ' dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 the greater of seven days’ ' dividends or all earned dividends, subject to a maximum of 360 days' dividends. Renewal Policies. Your Account will renew automatically at maturity. Maturity, and You will not have a grace period of 10 calendar days following the Maturity Date in which to make deposits deposits, or to make withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR IRA TERM SHARE CERTIFICATE ACCOUNT Additional funds may be deposited into the Account only on the Maturity Date. To avoid a penalty for early withdrawal, funds may only be withdrawn on the Maturity Date. Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with having a term to maturity less than or equal to 3 months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 days' dividends if such withdrawal occurs within 7 days of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 12 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with having a term to maturity greater than 18 12 months but less than or equal to 24 36 months, the penalty imposed will equal 180 days’ ' dividends. For Accounts with having a term equal to maturity or greater than 24 36 months, the penalty imposed will equal 365 days’ ' dividends. Renewal Policies. Your Account will renew automatically at maturity. , You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits or withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR IRA TERM SHARE CERTIFICATE ACCOUNT Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement separate page titled account disclosure rate supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplementseparate page titled account disclosure rate supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APYannual percentage yield and to keep Your Account open. Transaction Limitations. Once Your Account is established, additional all deposits may only into Your Account must be made through qualified regular contributions, direct transfers and rolloversrecurring payroll deduction. Individual Retirement Accounts (IRAs) are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please consult see Your IRA agreement Agreement or Your tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementseparate page titled account disclosure rate supplement.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For Accounts with a term to maturity equal to or less than or equal to 3 six months, the penalty imposed will equal all accrued dividends (except to the extent that the penalty will equal 7 greater of seven days' dividends if such withdrawal occurs within 7 days or all earned dividends, subject to a maximum of Account opening). For Accounts with a term to maturity greater than 3 months but less than or equal to 18 months, the penalty imposed will equal 90 days’ ' dividends. For Accounts with a term to maturity equal to or less than 24 months but greater than 18 months but less than or equal to 24 six months, the penalty imposed will equal the greater of seven days' dividends or all earned dividends, subject to a maximum of 180 days’ ' dividends. For Accounts with a term to maturity greater than 24 months, the penalty imposed will equal 365 the greater of seven days’ ' dividends or all earned dividends, subject to a maximum of 360 days' dividends. Renewal Policies. Your Account will renew automatically at maturity. Maturity, and You will not have a grace period of 10 calendar days following the Maturity Date in which to make deposits deposits, or to make withdrawals without penalty. SPECIFIC TERMS APPLICABLE TO YOUR IRA TERM SHARE CERTIFICATE ACCOUNT Additional funds may be deposited into the Account only on the Maturity Date. To avoid a penalty for early withdrawal, funds may only be withdrawn on the Maturity Date. Fixed Rate Information. This Account is These Accounts are subject to a Fixed Rate. For the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. For the minimum balance required to open this Accountthese Accounts, refer to the accompanying Account Disclosure Rate Supplement. You must maintain a balance equal to the minimum balance required to open Your Account each day to obtain the disclosed APY. Transaction Limitations. Once annual percentage yield and to keep Your Account is established, additional deposits may only be made through qualified regular contributions, direct transfers and rollovers. Individual Retirement Accounts (IRAs) are also subject to limitations imposed by the Internal Revenue Service. Please consult Your IRA agreement or tax advisor for additional information. Maturity Date. Your Account will mature after the term indicated on the accompanying Account Disclosure Rate Supplementopen.