Common use of Liability; Warranty Clause in Contracts

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January 2024 Share Accounts Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term Compound Period APR APY Term Compound Period APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% 13 Month Special* Quarterly 5.00% 5.09% 13 Month Special* Quarterly 5.10% 5.20% 7 Month Special* Maturity 5.25% 5.25% 7 Month Special* Maturity 5.35% 5.35% *New Money Only IRA Share Certificates Minimum Deposit- $500 Jumbo Rate- $100,000+ Deposit Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January April 1, 2024 Share Accounts Last Dividen d Declared Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term 90 Days Compound Period Maturity APR 0.50% APY 0.50% Term 90 Days Compound Period Maturity APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% APY 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.701.60% 1.711.61% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.701.60% 1.711.61% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.701.60% 1.711.61% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.701.60% 1.711.61% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.851.75% 1.861.76% 13 Month Special* Quarterly 5.004.25% 5.094.32% 13 Month Special* Quarterly 5.104.35% 5.204.42% 7 Month Special* Maturity 5.254.25% 5.254.25% 7 Month Special* Maturity 5.354.35% 5.354.35% *New Money Only IRA Share Certificates Sh are Cert ificates Minimum Deposit- Dep osit- $500 2,500 Jumbo Rate- $100,000+ Deposit Compound Compound Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.701.60% 1.711.61% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.701.60% 1.711.61% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.701.60% 1.711.61% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.701.60% 1.711.61% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.851.75% 1.861.76% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January Last revisied April1, 2024 Share Accounts Last Dividen d Declared Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term 90 Days Compound Period Maturity APR 0.50% APY 0.50% Term 90 Days Compound Period Maturity APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% APY 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.701.60% 1.711.61% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.701.60% 1.711.61% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.701.60% 1.711.61% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.701.60% 1.711.61% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.851.75% 1.861.76% 13 Month Special* Quarterly 5.004.25% 5.094.32% 13 Month Special* Quarterly 5.104.35% 5.204.42% 7 Month Special* Maturity 5.254.25% 5.254.25% 7 Month Special* Maturity 5.354.35% 5.354.35% *New Money Only IRA Share Certificates Sh are Cer ificates Minimum Deposit- Dep osit- $500 2,500 Jumbo Rate- $100,00010 0,000+ Deposit Compound Compound Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.701.60% 1.711.61% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.701.60% 1.711.61% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.701.60% 1.711.61% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.701.60% 1.711.61% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.851.75% 1.861.76% t SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January March 2024 Share Accounts Last Dividen d Declared Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term 90 Days Compound Period Maturity APR 0.50% APY 0.50% Term 90 Days Compound Period Maturity APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% APY 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.701.60% 1.711.61% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.701.60% 1.711.61% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.701.60% 1.711.61% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.701.60% 1.711.61% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.851.75% 1.861.76% 13 Month Special* Quarterly 5.004.50% 5.094.58% 13 Month Special* Quarterly 5.104.60% 5.204.68% 7 Month Special* Maturity 5.254.75% 5.254.75% 7 Month Special* Maturity 5.354.85% 5.354.85% *New Money Only IRA Share Certificates Sh are Cert ificates Minimum Deposit- Dep osit- $500 2,500 Jumbo Rate- $100,000+ Deposit Compound Compound Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.701.60% 1.711.61% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.701.60% 1.711.61% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.701.60% 1.711.61% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.701.60% 1.711.61% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.851.75% 1.861.76% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January 2024 April 2023 Share Accounts Last Dividen d Declared Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.350.25% 0.350.25% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term 90 Days Compound Period Maturity APR 0.50% APY 0.50% Term 90 Days Compound Period Maturity APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% APY 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% 13 23 Month Special* Quarterly 5.003.80% 5.093.85% 13 23 Month Special* Quarterly 5.103.89% 5.20% 7 Month Special* Maturity 5.25% 5.25% 7 Month Special* Maturity 5.35% 5.353.95% *New Money Only IRA Share Certificates Sh are Cer ificates Minimum Deposit- Dep osit- $500 Jumbo Rate- $100,000+ Deposit Compound Compound Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% t SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January March 18, 2024 Share Accounts Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term Compound Period APR APY Term Compound Period APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% 13 Month Special* Quarterly 5.004.25% 5.094.32% 13 Month Special* Quarterly 5.104.35% 5.204.42% 7 Month Special* Maturity 5.254.25% 5.254.20% 7 Month Special* Maturity 5.354.35% 5.354.30% *New Money Only IRA Share Certificates Minimum Deposit- $500 Jumbo Rate- $100,000+ Deposit Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January February 2024 Share Accounts Last Dividend Declared Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR APY Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Compound Compound Term Compound Period APR APY Term Compound Period APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% 13 Month Special* Quarterly 5.004.75% 5.094.84% 13 Month Special* Quarterly 5.104.85% 5.204.94% 7 Month Special* Maturity 5.255.00% 5.255.00% 7 Month Special* Maturity 5.355.10% 5.355.10% *New Money Only IRA Share Certificates Minimum Deposit- $500 Jumbo Rate- $100,000+ Deposit Compound Compound Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% 13 Month Special* Quarterly 4.75% 4.84% 13 Month Special* Quarterly 4.85% 4.94% 7 Month Special* Maturity 5.00% 5.00% 7 Month Special* Maturity 5.10% 5.10% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit IRA Share Certificates Minimum Deposit- $500 Jumbo Rate- $100,000+ Deposit SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January 2024 August 2023 Share Accounts Last Dividend Declared Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term Compound Period APR APY Term Compound Period APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% 13 Month Special* Quarterly 5.004.75% 5.094.84% 13 Month Special* Quarterly 5.104.85% 5.204.94% 7 Month Special* Maturity 5.255.00% 5.255.00% 7 Month Special* Maturity 5.355.10% 5.355.10% *New Money Only IRA Share Certificates Minimum Deposit- $500 Jumbo Rate- $100,000+ Deposit Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx SAVINGS & CHECKING ACCOUNTS

Liability; Warranty. If we do not complete a properly scheduled transfer for which you provided us all necessary and correct payment information, we will be liable to you for the actual damage or loss that you suffer. If we make an error in a transfer that we complete, our only responsibility is to correct that error; we will not be liable for any indirect, consequential, or other damages. We will also not be liable for any transfer that cannot be processed or completed because of legal restrictions on your account, or for any transfer that we are not bound to complete under the terms of this agreement. We also provide no Warranty of Merchantability, Warranty of Fitness for Particular Purpose, or warranty against non-infringement of third-party rights regarding any software, browser, equipment, or other services. We provide no warranty that the Home Banking and Bill Pay services are free from defects, computer viruses or worms, or other computer-related problems. Truth-In-Savings Disclosures & Rates January 2024 November 2023 Share Accounts Last Dividen d Declared Opening Minimum Compound Period Minimum Daily Balance Last Dividend Declared APR APR Regular Shares $5 Quarterly None 0.35% 0.35% Basic Checking $0 N/A None N/A Premium Checking $0 Monthly $500.00 0.15% 0.15% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit Term 90 Days Compound Period Maturity APR 0.50% APY 0.50% Term 90 Days Compound Period Maturity APR APY 90 Days Maturity 0.50% 0.50% 90 Days Maturity 0.60% APY 0.60% 180 Days Maturity 0.75% 0.75% 180 Days Maturity 0.85% 0.85% 365 Days Maturity 1.50% 1.50% 365 Days Maturity 1.60% 1.60% 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% 13 Month Special* Quarterly 5.004.75% 5.094.84% 13 Month Special* Quarterly 5.104.85% 5.204.94% 7 Month Special* Maturity 5.255.00% 5.255.00% 7 Month Special* Maturity 5.355.10% 5.355.10% *New Money Only IRA Share Certificates Sh are Cert ificates Minimum Deposit- Dep osit- $500 Jumbo Rate- $100,000+ Deposit Compound Compound Term Compound Period APR APY Term Compound Period APR APY 12-17 Months Quarterly 1.50% 1.51% 12-17 Months Quarterly 1.60% 1.61% 18-23 Months Quarterly 1.50% 1.51% 18-23 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.60% 1.61% 24-29 Months Quarterly 1.70% 1.71% 30-35 Months Quarterly 1.60% 1.61% 30-35 Months Quarterly 1.70% 1.71% 36-41 Months Quarterly 1.60% 1.61% 36-41 Months Quarterly 1.70% 1.71% 42-47 Months Quarterly 1.60% 1.61% 42-47 Months Quarterly 1.70% 1.71% 48-53 Months Quarterly 1.60% 1.61% 48-53 Months Quarterly 1.70% 1.71% 54-60 Months Quarterly 1.75% 1.76% 54-60 Months Quarterly 1.85% 1.86% Share Certificates Minimum Deposit - $2,500 Jumbo Rate- $100,000+ Deposit X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx SAVINGS & CHECKING ACCOUNTS