Common use of Exceptions to Early Withdrawal Penalties Clause in Contracts

Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies. Your account is an automatically renewable account if indicated above. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure an obligation of any owner, except obligations with UCU. The Dividend Rate and Annual Percentage Yield on our Savings Certificate or IRA Certificate accounts are the rate and yield that were offered within the most recent seven calendar days and are accurate as of the date indicated above. Please call 000-000-0000 to obtain current information. The rates and yields appearing on the dividend schedule are accurate and effective for accounts as of the date indicated. If you have any questions or require current rate information on your account, please call UCU. Dividend Rate APY** ATM Fee Refunds*** Dividend Rate APY** ATM Fee Refunds*** If qualifications are not met* All balances 0.05% 0.05% None All balances 0.05% 0.05% None If qualifications are met* (with your Kasasa Cash account)  Have at least 12 point-of-sale transactions post and clear  Receive and review your monthly statement electronically  Have at least 1 ACH transaction or 1 direct deposit post and clear  Access Home Banking at least once Portion up to $10,000 1.49% 1.50% Up to $25 Portion up to $15,000 0.750% 0.75% None Portion over $10,000 0.15% 0.15% Portion over $15,000 0.15% 0.15% None Your rewards All rewards from Kasasa Cash are transferred into Kasasa Saver after your monthly qualification cycle. No monthly maintenance fee and no minimum balance requirement to earn rewards. Available on personal accounts, used for personal, family or household purposes only. Limit one Kasasa checking account per prime member and per primary account. When the Kasasa Cash qualifications are met, the interest rate on your account and corresponding annual percentage yield will be tiered. If your average daily balance in your Kasasa Cash account is $10,000.00 or less, the interest rate paid on the entire balance will be 1.49% with an annual percentage yield of 1.50%. An interest rate of 0.15% with an annual percentage yield of 0.15% will be paid only for that portion of your average daily balance that is greater than $10,000.00. If your average daily balance in your Kasasa Saver account is $15,000.00 or less, the interest rate paid on the entire balance will be 0.750% with an annual percentage yield of 0.75%. An interest rate of 0.15% with an annual percentage yield of 0.15% will be paid only for that portion of your average daily balance that is greater than $15,000.00. The annual percentage yield for these tiers will range from 1.50% to 0.27% for Kasasa Cash and from 0.75% to 0.23% for Kasasa Saver, depending on the balance in the account.