Common use of Renewal Policy Clause in Contracts

Renewal Policy. Unless you otherwise instruct us, your certificate account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx Fee Schedule FEES. Fees are subject to change. Contact us for the most current information regarding fees. The following fees and charges are applicable to your account(s), services and/or transactions as of 10/4/22 SAVINGS, CHECKING, ACH, AND EFT FEES OTHER SERVICE FEES Minimum Balance Fee (Premium Checking) $5.00 per month (if below minimum daily balance) Title Processing Fee $50.00 NSF Fee Returned Deposit Item Overdraft Transfer Fee Courtesy Pay Fee Stop Payment Fee Check Copy Fee Statement Copy Fee Counter Checks SAFE DEPOSIT BOX FEES Replacement Card Fee 3"X5" $25.00 per item $12.00 per item $5.00 per item (moved in $50.00 increments) $25.00 per item $25.00 per item $1.00 per item $2.00 per item $1.00 for 4 checks $10.00 per card $25.00 per year Incoming Wire Fee Wire Transfer Fee (Outgoing)- Domestic Wire Transfer Fee (Outgoing)- International Wire Return Fee (Domestic) Wire Return Fee (International) Garnishment, Tax Levy, and Judgement Fee Collection/Special Handling Fee Cashier's, Certified or Official Check $10.00 per wire $15.00 per wire $50.00 per wire $5.00 per return $25 per return $50.00 per incident Varies per item $2.00 per item (in excess of 3 daily) 3"x10" $35.00 per year Returned Mail/Address $2.00 per month Search 5"x10" 10"x10" $45.00 per year $75.00 per year Record Searches/Research Inactivity/Dormancy Fee $15.00 per hour $10.00 per month Drill Fee (3rd party service fees apply) $175.00 per incident (no member-initiated activity for 24 months) New Lock with Keys $125 per incident X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx CONSENT CODE: 1290

Renewal Policy. Unless you otherwise instruct us, your certificate account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx Fee Schedule FEES. Fees are subject to change. Contact us for the most current information regarding fees. The following fees and charges are applicable to your account(s), services and/or transactions as of 10/4/22 SAVINGS, CHECKING, ACH, AND EFT FEES OTHER SERVICE FEES Minimum Balance Fee (Premium Checking) $5.00 per month (if below minimum daily balance) Title Processing Fee $50.00 NSF Fee Returned Deposit Item Overdraft Transfer Fee Courtesy Pay Fee Stop Payment Fee Check Copy Fee Statement Copy Fee Counter Checks SAFE DEPOSIT BOX FEES Replacement Card Fee 3"X5" $25.00 per item $12.00 per item $5.00 per item (moved in $50.00 increments) $25.00 per item $25.00 per item $1.00 per item $2.00 per item $1.00 for 4 checks $10.00 per card $25.00 per year Incoming Wire Fee Wire Transfer Fee (Outgoing)- Domestic Wire Transfer Fee (Outgoing)- International Wire Return Fee (Domestic) Wire Return Fee (International) Garnishment, Tax Levy, and Judgement Fee Collection/Special Handling Fee Cashier's, Certified or Official Check $10.00 per wire $15.00 per wire $50.00 per wire $5.00 per return $25 per return $50.00 per incident Varies per item $2.00 per item (in excess of 3 daily) 3"x10" $35.00 per year Returned Mail/Address $2.00 per month Search 5"x10" 10"x10" $45.00 per year $75.00 per year Record Searches/Research Inactivity/Dormancy Fee $15.00 per hour $10.00 per month Drill Fee (3rd party service fees apply) $175.00 per incident (no member-initiated activity for 24 months) New Lock with Keys $125 per incident X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx CONSENT CODE: 1290

Renewal Policy. Unless you otherwise instruct us, your certificate account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx Fee Schedule FEES. Fees are subject to change. Contact us for the most current information regarding fees. The following fees and charges are applicable to your account(s), services and/or transactions as of 10/4/22 SAVINGS, CHECKING, ACH, AND EFT FEES OTHER SERVICE FEES Minimum Balance Fee (Premium Checking) $5.00 per month (if below minimum daily balance) Title Processing Fee $50.00 NSF Fee Returned Deposit Item Overdraft Transfer Fee Courtesy Pay Fee Stop Payment Fee Check Copy Fee Statement Copy Fee Counter Checks SAFE DEPOSIT BOX FEES Replacement Card Fee 3"X5" $25.00 per item $12.00 per item $5.00 per item (moved in $50.00 increments) $25.00 per item $25.00 per item $1.00 per item $2.00 per item $1.00 for 4 checks $10.00 per card $25.00 per year Incoming Wire Fee Wire Transfer Fee (Outgoing)- Domestic Wire Transfer Fee (Outgoing)- International Wire Return Fee (Domestic) Wire Return Fee (International) Garnishment, Tax Levy, and Judgement Fee Collection/Special Handling Fee Cashier's, Certified or Official Check $10.00 per wire $15.00 per wire $50.00 per wire $5.00 per return $25 per return $50.00 per incident Varies per item $2.00 per item (in excess of 3 daily) 3"x10" $35.00 per year Returned Mail/Address $2.00 per month Search 5"x10" 10"x10" $45.00 per year $75.00 per year Record Searches/Research Inactivity/Dormancy Fee $15.00 per hour $10.00 per month Drill Fee (3rd party service fees apply) $175.00 per incident (no member-initiated activity for 24 months) New Lock with Keys $125 per incident X. X. Xxx P. O. Box 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx CONSENT CODE: 1290

Renewal Policy. Unless you otherwise instruct usAt maturity, your certificate account the Bump-Up CD will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx Fee Schedule FEES. Fees are subject to change. Contact us going rate for the most current information regarding feesoriginal term, based on your term at opening. The following fees and charges are applicable to your account(s), services and/or transactions as of 10/4/22 SAVINGS, CHECKING, ACH, AND EFT FEES OTHER SERVICE FEES Minimum Balance Bump-Up option will then be available one time for the renewal period. Share Draft Accounts FEE SCHEDULE Returned ACH / Share Draft $29.00 Courtesy Pay (Overdrawn Account) $29.00 Stop Payment Fee $29.00 Plastic Card Replacement Fee (Premium Checking1 free/year) $5.00 Account Research Fee (Min. charge 1 hour) $15.00/hr Deposited Item Returned fee $20.00 Non-Instant Cash / Star ATM Withdrawals $1.00 Duplicate Statement mail/fax – Free via email $1.00 Non-STAR ATM Withdrawals (10 fee per month month) $1.00 eChecking Monthly fee $10.00 All Accounts Wire Transfer Fee (if below minimum daily balanceoutgoing) Title $20.00 Wire Transfer Fee (incoming) $5.00 Western Union Transfer Fee $25.00 Garnishment Processing Fee $50.00 NSF Overnight Mail Fee (minimum) $30.00 Returned Deposit Item Overdraft Transfer Mail Fee Courtesy Pay $2.50 Official Check Fee --- Member $3.00 Non-Member $7.00 Stop Payment Official Check (limited availability) $35.00 Official Check, Share Draft Copy (free online) $2.00 Dormant Account Fee Check Copy (After 48 mo. of no activity) $10.00/monthly Shared Branching Fee Statement Copy (After 3 free transactions) $1.50 /transaction Membership Close Fee Counter Checks SAFE DEPOSIT BOX FEES Replacement Card Fee 3"X5" $25.00 per item $12.00 per item $5.00 per item (moved in $50.00 incrementswithin 90 days of open) $25.00 per item Check Cashing Fee (share balance less than $100, and no active checking, certificates or loan accounts) $0-$100 No Charge $100.01 - $1,000.00 $ 5.00 Check Cashing on-us Share Draft (non-member) $7.00 Large Cash Withdrawal (advance order req’d) $20-40.00 Loan Accounts Real Estate Loan Payoff Schedule $25.00 per item $1.00 per item $2.00 per item $1.00 for 4 checks $10.00 per card $25.00 per year Incoming Wire Fee Wire Transfer Fee (Outgoing)- Domestic Wire Transfer Fee (Outgoing)- International Wire Return Fee (Domestic) Wire Return Fee (International) Garnishment, Tax Levy, and Judgement Fee CollectionHELOC/Special Handling Fee Cashier's, Certified or Official Check $10.00 per wire $15.00 per wire $50.00 per wire $5.00 per return $25 per return $50.00 per incident Varies per item $2.00 per item (in excess of 3 daily) 3"x10" $35.00 per year Returned Mail/Address $2.00 per month Search 5"x10" 10"x10" $45.00 per year $75.00 per year Record Searches/Research Inactivity/Dormancy LOC Annual Maintenance Fee $15.00 per hour Extension Agreement (Skip-a-Payment) $35.00 Filing Fee (Vehicle Loans) $20.00 Returned (NSF) Loan Payment – Check or ACH $29.00 Online Payment Center Fee $5.00 Telephone Payment Fee $10.00 per month Drill Duplicate Document Fee (3rd party service fees applyper page) $175.00 per incident (no member-initiated activity for 24 months) 1.00 New Lock with Keys Loan Document /Consumer Loan Extensions $125 per incident X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx CONSENT CODE: 129050.00/$35.00

Renewal Policy. Unless you otherwise instruct us, your certificate account will automatically renew at maturity. You will have a grace period as indicated above after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx Fee Schedule FEES. Fees are subject to change. Contact us for the most current information regarding fees. The following fees and charges are applicable to your account(s), services and/or transactions as of 10/4/22 SAVINGS, CHECKING, ACH, AND EFT FEES OTHER SERVICE FEES Minimum Balance Fee (Premium Checking) $5.00 per month (if below minimum daily balance) Title Processing Fee $50.00 NSF Fee Returned Deposit Item Overdraft Transfer Fee Courtesy Pay Fee Stop Payment Fee Check Copy Fee Statement Copy Fee Counter Checks SAFE DEPOSIT BOX FEES Replacement Card Fee 3"X5" $25.00 per item $12.00 per item $5.00 per item (moved in $50.00 increments) $25.00 per item $25.00 per item $1.00 per item $2.00 per item $1.00 for 4 checks $10.00 per card $25.00 per year Incoming Wire Fee Wire Transfer Fee (Outgoing)- Domestic Wire Transfer Fee (Outgoing)- International Wire Return Fee (Domestic) Wire Return Fee (International) Garnishment, Tax Levy, and Judgement Fee Collection/Special Handling Fee Cashier's, Certified or Official Check $10.00 per wire $15.00 per wire $50.00 per wire $5.00 per return $25 per return $50.00 per incident Varies per item $2.00 per item (in excess of 3 daily) 3"x10" $35.00 per year Returned Mail/Address $2.00 per month Search 5"x10" 10"x10" $45.00 per year $75.00 per year Record Searches/Research Inactivity/Dormancy Fee $15.00 per hour $10.00 per month Drill Fee (3rd party service fees apply) $175.00 per incident (no member-initiated activity for 24 months) New Lock with Keys $125 per incident X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx CONSENT CODE: 1290Truth-In-Savings Disclosures & Rates December 2023‌ 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

Renewal Policy. Unless you otherwise instruct usAt maturity, your certificate account the Bump-Up CD will automatically renew at maturitythe going rate for the original term, based on your term at opening. You The Bump-Up option will have a grace period as indicated above after then be available one time for the maturity date to withdraw the funds in the account without being charged an early withdrawal penaltyrenewal period. X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx Fee Schedule FEES. Fees are subject to change. Contact us for the most current information regarding fees. The following fees and charges are applicable to your account(s), services and/or transactions as of 10/4/22 SAVINGS, CHECKING, ACH, AND EFT FEES OTHER SERVICE FEES Minimum Balance Share Draft Accounts Returned ACH / Share Draft $29.00 Courtesy Pay $29.00 Stop Payment Fee $29.00 Plastic Card Replacement Fee $5.00 Account Research Fee (Premium CheckingMin. charge 1 hour) $15.00/hr Deposited Item Returned fee $15.00 ATM Withdrawal fee (10 free per month) $1.00 Duplicate Statement fee $1.00 eChecking Monthly fee $10.00 All Accounts Wire Transfer Fee (outgoing) $20.00 Wire Transfer Fee (incoming) $5.00 per month (if below minimum daily balance) Title Western Union Transfer Fee $25.00 Garnishment Processing Fee $50.00 NSF Overnight Mail Fee $39.00 Returned Deposit Item Overdraft Transfer Mail Fee Courtesy Pay $2.50 Official Check Fee Member, Non-Member $3.00, 7.00 Stop Payment Official Check (limited availability) $35.00 Official Check, Share Draft Copy (free online banking) $2.00 Dormant Account Fee Check Copy (After 48 mo. of no activity) $10.00/monthly Shared Branching Fee Statement Copy (After 3 free transactions) $1.50 /transaction Account Closure Fee Counter Checks SAFE DEPOSIT BOX FEES Replacement Card Fee 3"X5" $25.00 per item $12.00 per item $5.00 per item (moved in $50.00 incrementswithin 90 days of open) $25.00 Check Cashing Fee (with no active checking, certificates or loan accounts) Balance $0-$100 $ 5.00 $100.01 - $1,000.00 No Charge Check Cashing on-us Share Draft (non-member) $7.00 Large Commercial Cash Deposit Fee $30 per item 500 items Large Cash Withdrawal (advance order required) $20-40.00 Loan Accounts Real Estate Loan Payoff Schedule $25.00 per item $1.00 per item $2.00 per item $1.00 for 4 checks $10.00 per card $25.00 per year Incoming Wire Fee Wire Transfer Fee (Outgoing)- Domestic Wire Transfer Fee (Outgoing)- International Wire Return Fee (Domestic) Wire Return Fee (International) Garnishment, Tax Levy, and Judgement Fee CollectionHELOC/Special Handling Fee Cashier's, Certified or Official Check $10.00 per wire $15.00 per wire $50.00 per wire $5.00 per return $25 per return $50.00 per incident Varies per item $2.00 per item (in excess of 3 daily) 3"x10" $35.00 per year Returned Mail/Address $2.00 per month Search 5"x10" 10"x10" $45.00 per year $75.00 per year Record Searches/Research Inactivity/Dormancy LOC Annual Maintenance Fee $15.00 per hour Extension Agreement (Skip-a-Payment) $35.00 Filing Fee (Vehicle Loans) $20.00 Returned (NSF) Loan Payment – Check or ACH $29.00 Online Payment Center Fee $5.00 Telephone Payment Fee $10.00 per month Drill Duplicate Document Fee (3rd party service fees applyper page) $175.00 per incident (no member-initiated activity for 24 months) 1.00 New Lock with Keys Loan Document /Consumer Loan Extensions $125 per incident X. X. Xxx 1610, Auburn, AL 00000-0000 Phone: 000-000-0000 Fax: 000-000-0000 xxx.xxxxxx.xxx CONSENT CODE: 129050.00/$35.00