Common use of Early Withdrawal Provisions Clause in Contracts

Early Withdrawal Provisions. We will impose a penalty if You withdraw any funds before the maturity date. For Accounts with a term to maturity that is less than 12 Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. If You choose for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selected. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes, but is not limited to members that: Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings.

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds from Your Account before the maturity date. For The penalty imposed will equal 30 days of dividends on Your Account for Accounts with a term to maturity that is of one year or less and 90 days of dividends for Accounts with a term greater than 12 one year. Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not renew automatically renew at upon maturity. If You choose for Your Account to renew automatically at maturity, You will have a 10 calendar day grace period of 10 calendar days immediately following the Maturity Date maturity of Your Account during which You may make deposits to make and withdrawals and/or deposits from Your Account without penalty. If You choose for Transaction Limitations. Once Your Account not to renew automatically at maturityis established, You will select from the following options: (i) a check with the funds then on may not make any further deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account until the maturity date. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or to another account You have selectedYour tax advisor for additional information. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes, but is not limited to includes members thatthat have: Nonsufficient Funds Returns. Any share draft Check or pre-authorized transfer, or transaction made through the use of a Your ATM or debit cardCard, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings."

Early Withdrawal Provisions. We will impose a penalty if You withdraw any funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the penalty imposed will equal the greater of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount withdrawn. For Accounts with a term to maturity that is greater than 23 months, the penalty imposed will equal the greater of $100.00 or 365 days' dividends on the amount withdrawn. Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to 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 without penalty. If You choose for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selected. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes, but is not limited to includes members that: Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings.the

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the principal funds before the maturity date. For The penalty imposed will equal the lesser of all accrued dividends or 60 days of dividends for Accounts with having a term to maturity that is less than 12 months; the lesser of all accrued dividends or 90 days of dividends for Accounts having a term of 12 months but less than 18 months; the lesser of all accrued dividends or 120 days of dividends for Accounts having a term of 18 months but less than 24 months; the lesser of all accrued dividends or 180 days of dividends for Accounts having a term of 24 months but less than 36 months; the lesser of all accrued dividends or 210 days of dividends for Accounts having a term of 36 months, but less than 48 months; the lesser of all accrued dividends or 240 days of dividends for Accounts having a term of 48 months but less than 60 months; and the lesser of all accrued dividends or 270 days of dividends for Accounts having a term of 60 or more months. Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, maturity and You will have a grace period of 10 ten calendar days following the Maturity Date to make deposits and/or withdrawals and/or deposits without penalty. If You choose for Transaction Limitations. Once Your Account not to renew automatically at maturityis established, You will select from the following options: (i) a check with the funds then on may not make deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to into Your share Account or to another account You have selectedAccount. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes, but is not limited to includes members thatthat have: Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings."

Early Withdrawal Provisions. We will impose a penalty if You withdraw any funds before the maturity date. For Accounts with a term to maturity that is less than 12 months, the penalty imposed will equal the greater of $25.00 or 90 days' dividends on the amount withdrawn (subject in any event to a minimum of seven days’ dividends during the first six days Your Account is open). For Accounts with a term to maturity that is greater than 11 months and less than 24 months, the penalty imposed will equal the greater of $50.00 or 180 days' dividends on the amount Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. If You choose for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selected. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes, but is not limited to members that: Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings."

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date. For Accounts with a term to maturity that is less than 12 The penalty imposed will equal 90 days of interest. Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, You will have a grace period of 10 seven calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. If You choose Transaction Limitations. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selectedadditional information. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includesincludes members that have: Minimum Balance Requirements. To be a member and maintain Accounts with Us You must purchase one share in the Credit Union. The par value of a share in this Credit Union is $10.00. If the balance in Your primary Share Savings Account drops below one share ($10.00) for a period of six months or more, but is not limited to members that: Nonsufficient We may, at Our option, close Your Account. Insufficient Available Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a Your ATM or debit cardCard, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient insufficient available funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s 's final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings."

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date. For Accounts with a term terms to maturity that is less than 12 Renewal Policiesmonths, the penalty imposed will equal 90 days' dividends. Depending on For terms to maturity equal to or greater than 12 months but less 24 months, the manner that You specify at penalty imposed will equal 180 days' dividends. For terms to maturity equal to or greater than 24 months, the time You establish Your Account, You penalty imposed will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. If You choose for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selectedequal 365 days' dividends. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes, but is not limited to members that: Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s 's final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings."

Early Withdrawal Provisions. We will impose a penalty if You withdraw any of the funds before the maturity date. For Accounts with having a term to maturity that is less than or equal to 12 months, the penalty imposed will equal 90 days' dividends. For Accounts having a term greater than 12 months but less than 36 months, the penalty imposed will equal 180 days' dividends. For Accounts having a term equal to or greater than 36 months, the penalty imposed will equal 365 days' dividends. Renewal Policies. Depending on the manner that You specify at the time You establish Your Account, You will select whether Your Account will or will not automatically renew at maturity. If You choose for Your Account to renew automatically at maturity, You will have a grace period of 10 calendar days following the Maturity Date to make withdrawals and/or deposits without penalty. If You choose for Your Account not to renew automatically at maturity, You will select from the following options: (i) a check with the funds then on deposits will be sent to the address We have on file for You; or (ii) the funds then on deposits will be transferred to Your share Account or to another account You have selected. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described in these Agreements and And Disclosures are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includesincludes members that have: Minimum Balance Requirements. To be a member and maintain Accounts with Us You must purchase 1 share in the Credit Union. The par value of a share in this Credit Union is $1.00. If the balance in Your primary Share Account drops below 1 share ($1.00) at any time, but is not limited to members that: We may, at Our option, transfer funds from any other account We Nonsufficient Funds Returns. Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Overdraft Balance Calculation. When processing transactions that debit or credit Your Account, We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other debits or credits to Your Account that were finally settled that day, as described above in the "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s 's final balance) is sometimes referred to as Your "actual balance." Withdrawal of Dividends Prior to Maturity. For all certificate Accounts, the Annual Percentage Yield assumes dividends remain on deposit until maturity. A withdrawal will reduce earnings."