Common use of Early Withdrawals Clause in Contracts

Early Withdrawals. You have contracted to keep your funds on deposit for the stated term. You may not withdraw all or part of a time deposit account except as provided in this Agreement. At our discretion, we may allow you to withdraw all or part of your funds at times other than the grace period. We withdraw interest before principal. Each time we permit you to make an early withdrawal of principal, we may charge you an early withdrawal penalty. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date. The early withdrawal penalty is: • For CDs with terms up to 12 months, the penalty is an amount equal to 30 days interest of the amount withdrawn • For CDs with terms longer than 12 months, the penalty is an amount equal to 90 days interest of the amount withdrawn Please note that the term of a CD is the specified period of time you agreed to leave your funds on deposit – not the time remaining until maturity of your CD. We add to the early withdrawal penalty the amount of any cash bonuses we paid you when you opened or reinvested the account. If we are required to pay an amount from your CD (e.g. levy or garnishment), we may charge you an early withdrawal penalty, calculated on the amount withdrawn from the CD. Closing or Redeeming a CD We may close or redeem an automatically renewable account at the end of the term. You may close or redeem your account during its grace period.

Early Withdrawals. You have contracted to keep your funds on deposit for the stated term. You may not withdraw all or part of a time deposit account except as provided in this Agreement. At our discretion, we may allow you to withdraw all or part of your funds at times other than the grace period. We withdraw interest before principal. Each time we permit you to make an early withdrawal of principal, we may charge you an early withdrawal penalty. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date. The early withdrawal penalty is: •  For CDs with terms up to 12 months, the penalty is an amount equal to 30 days interest of the amount withdrawn •  For CDs with terms longer than 12 months, the penalty is an amount equal to 90 days interest of the amount withdrawn Please note that the term of a CD is the specified period of time you agreed to leave your funds on deposit – not the time remaining until maturity of your CD. We add to the early withdrawal penalty the amount of any cash bonuses we paid you when you opened or reinvested the account. If we are required to pay an amount from your CD (e.g. levy or garnishment), we may charge you an early withdrawal penalty, calculated on the amount withdrawn from the CD. Closing or Redeeming a CD We may close or redeem an automatically renewable account at the end of the term. You may close or redeem your account during its grace period.

Early Withdrawals. You have contracted to keep your funds on deposit for the stated term. You may not withdraw all or part of a time deposit account except as provided in this Agreement. At our discretion, we may allow you to withdraw all or part of your funds at times other than the grace period. We withdraw interest before principal. Each time we permit you to make an early withdrawal of principal, we may charge you an early withdrawal penalty. If your account has not earned enough interest to cover an early withdrawal penalty, we We may deduct any interest first and take the remainder of the penalty from your interest or principal. We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date. The early withdrawal penalty is: •  For CDs with terms up to 12 months, the penalty is an amount equal to 30 days interest of the amount withdrawn •  For CDs with terms longer than 12 months, the penalty is an amount equal to 90 days interest of the amount withdrawn Please note that the term of a CD is the specified period of time you agreed to leave your funds on deposit – not the time remaining until maturity of your CD. We add to the early withdrawal penalty the amount of any cash bonuses we paid you when you opened or reinvested the account. If we are required to pay an amount from your CD (e.g. levy or garnishment), we may charge you an early withdrawal penalty, calculated on the amount withdrawn from the CD. Closing or Redeeming a CD We may close or redeem an automatically renewable account at the end of the term. You may close or redeem your account during its grace period.. Information About Fees and Charging Your Account

Early Withdrawals. You have contracted to keep your funds on deposit for the stated term. You may not withdraw all or part of a time deposit account except as provided in this Agreement. At our discretion, we may allow you to withdraw with- draw all or part of your funds at times other than the grace period. We withdraw interest before principal. Each time we permit you to make an early withdrawal of principal, principal we may charge you an early withdrawal penalty. If your account has not earned enough interest to cover an early withdrawal penalty, we We may deduct any interest first and take the remainder of the penalty from your interest or principal. We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date. The early withdrawal penalty is: • For CDs with terms up to 12 months, the penalty is an amount equal to 30 days interest of the amount withdrawn • For CDs with terms longer less than 12 months, the penalty is an amount equal to 90 6 months’ interest on the amount withdrawn; • For CDs with terms of 12 months or longer, the penalty is an amount equal to 24 months’ interest on the amount withdrawn. If the withdrawal occurs within six days interest after the date the account either opens or renews, or within six days after a partial withdrawal, we calculate the amount of the early with- drawal penalty as above, but in no event will the penalty be less than an amount withdrawn equal to seven days’ interest. Please note that the term of a CD is the specified speci- fied period of time you agreed to leave your funds on deposit – not the time remaining until maturity of your CD. We add to the early withdrawal penalty the amount of any cash bonuses we paid you when you opened or reinvested the account. If we are required to pay an amount from your CD (e.g. e.g., levy or garnishment), we may charge you an early withdrawal penalty, calculated on the amount withdrawn from the CD. An early withdrawal from an IRA may also be subject to additional federal tax (and possibly additional state and local taxes) if you are under age 59 ½. Closing or Redeeming a CD We may close or redeem an automatically renewable account at the end of the term. You may close or redeem your account during its grace period.period.‌‌‌ Information About Fees and Charging Your Account

Early Withdrawals. ‌ You have contracted to keep your funds on deposit for the stated term. You may not withdraw all or part of a time deposit account except as provided in this Agreement. At our discretion, we may allow you to withdraw all or part of your funds at times other than the grace period. We withdraw interest before principal. Each time we permit you to make an early withdrawal of principal, we may charge you an early withdrawal penalty. If your account has not earned enough interest to cover an early withdrawal penalty, we deduct any interest first and take the remainder of the penalty from your principal. We calculate all early withdrawal penalties on the principal amount withdrawn at the interest rate in effect on the account on the withdrawal date. The early withdrawal penalty is: • For CDs with terms up to 12 months, the penalty is an amount equal to 30 days interest of the amount withdrawn • For CDs with terms longer than 12 months, the penalty is an amount equal to 90 days interest of the amount withdrawn Please note that the term of a CD is the specified period of time you agreed to leave your funds on deposit – not the time remaining until maturity of your CD. We add to the early withdrawal penalty the amount of any cash bonuses we paid you when you opened or reinvested the account. If we are required to pay an amount from your CD (e.g. levy or garnishment), we may charge you an early withdrawal penalty, calculated on the amount withdrawn from the CD. Closing or Redeeming a CD CD‌ We may close or redeem an automatically renewable account at the end of the term. You may close or redeem your account during its grace period. Information About Fees and Charging Your Account‌ Fees‌ You agree to pay for our services in accordance with the fees that apply to your account and your deposit relationship with us. Account Fees Your account is subject to the fees described in the Account & Miscellaneous Schedule of Fees that applies to your account. • The Account & Miscellaneous Schedule of Fees lists account fees that apply to both personal and organizational deposit accounts. The Schedule of Fees does not apply to organizations on account analysis. • The schedule that applies to your account is part of the binding contract between you and us. The fees for our products and services may vary from country to country. We charge account fees to you based on the country in which the banking center where we maintain your account is located. Account fees are not based on your country of residence or the country where you use or purchase the service. Your account fees and terms may differ from those of other customers with the same type of account, based on our assessment of your overall relationship with us. Fees for Other Services In addition to checking, savings and CD accounts we also offer many other services, such as wire transfers, cashier’s checks and bond redemption. You can obtain current information about these services and the fees that apply to them at a banking center or by calling us at the customer service number shown on your account statement. We may occasionally list fees for some of these services in the Account & Miscellaneous Schedule of Fees. Fees for these services may vary from country to country. The fees you pay for these services are those charged by us in the country where we establish the service. We may change these fees at any time without notice. How We Set Fees We set our fees based on many factors, including the value we offer, our competitive position, deterrence of misuse of an account by our customers, and ultimately through our contract with the Department of Defense. We may also consider costs in setting fees, but we do not set our fees based only or primarily on the direct or overall costs and expenses associated with providing the particular account or service involved. Calculating Balances When we calculate an account balance to determine whether a fee applies to your account, we may use the balance we determine is in each account. We may ignore accrued interest and funds subject to a hold of any type. For a balance in an account linked to a checking account, the period of time we use as the basis for calculating the balance, and the day that we use to determine the balance, in the linked account may be different from the statement cycle for the primary checking account. If a loan or line of credit is linked, we may ignore each loan or line of credit that we determine is in default. Charging an Account‌ We may deduct fees, overdrafts and other amounts you owe us under this Agreement from your accounts with us, except that this provision does not apply to any consumer credit covered by the federal Truth in Lending law. We may make these deductions at any time without prior notice to you or request from you. If there are not enough funds in your account to cover the amounts you owe us, we may overdraw your account, without being liable to you. You agree to pay immediately all fees, overdrafts and other amounts you owe us. We may use deposits you or others make to your account (including deposits of payroll and government benefits) to pay fees, overdrafts and other amounts you owe us. Some government payments (such as Social Security, Supplemental Security Income, Veterans and other federal or state benefits) may be protected from attachment, levy, garnishment or other legal process under federal or state law. If such protections would otherwise apply to deductions we make for amounts you owe us, to the extent you may do so by contract, you waive these protections and agree we may use these funds to pay fees, overdrafts and other amounts you owe us under this Agreement. Please see the Right to Setoff section of the Agreement for more information.