Common use of Special Rules for New Accounts Clause in Contracts

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the date of deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 from next-day items will be available on the seventh ninth business day after the date of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. If New accounts do not receive $225 same day availability. Use of our affiliated Shared Branches is restricted for the first 30 days after your account is open. DEPOSITS MADE AT CREDIT UNION SHARED BRANCHES Shared Branch Availability Policy Disclosure: Shared Branch locations are defined as those offices where members of Credit Unions are able to perform transactions to their Credit Union account. The policy for deposits made at a Shared Branch location is to make funds from your deposits available to you on the same business day your deposit is received. A deposit made at a Shared Branch location is considered received when it is accepted with all appropriate endorsements. For determining the availability of these checks (other than your deposits, every day is a U.S. Treasury check) business day that the Credit Union is open which may differ from the days the Shared Branch location is open. If you make a deposit on a day the Credit Union is open, that day will be considered the day of deposit. However, if you make a deposit at a Shared Branch location on a day the Credit Union is not open, your deposit will be considered made in person on the next business day the Credit Union is open. Longer Delays May Apply: In some cases, all of the funds that you deposit by check will not be available to one you on the same business day you make the deposit. Depending upon the type of our employeescheck you deposit, the first 5,525 will funds may not be available until the second business day after the day of your deposit. Funds from all other check However, the first $225 of your deposits will be available on the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a same business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the next business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will not be available on until the seventh 2nd business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available no later than the 9th business day of Your deposit. Further delays may apply. Dividend Payment Policy. See the Account Disclosures section in these Agreements and Disclosures for Our policy on the seventh business day after the day payment of your depositdividends. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysTHIS IS YOUR SUBSTITUTE SHARE DRAFT POLICY DISCLOSURE AND INSTRUCTIONS. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your depositIT CONTAINS IMPORTANT INFORMATION CONCERNING OUR SUBSTITUTE SHARE DRAFT POLICY AND NECESSARY DISCLOSURES AS REQUIRED BY THE CHECK CLEARING FOR THE 21ST CENTURY ACT (12 CFR 229 ET SEQ) AND SPECIAL INSTRUCTIONS REGARDING YOUR RIGHT TO FILE FOR AN EXPEDITED REFUND. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnPLEASE BE CERTAIN TO READ THESE AGREEMENTS AND DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your account is openopened. Funds from electronic direct deposits to your account account, excluding External Funds Transfers, will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh first business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on no later than the seventh business day second Business Day after the day of your deposit. For determining You acknowledge that You have read and or printed a copy of this Funds Availability Disclosure Agreement and agree to abide by the availability terms of your deposits, every day is the agreement. This Agreement sets out the terms and conditions (Terms) upon which Avidia Bank (Custodian) and Depository (if different from Avidia Bank) will provide the ability to perform external funds transfers and serves as a business day, except Saturdays, Sundays, legally binding agreement between you Custodian and federal holidaysDepository. If you make a deposit before close on a business day that we are opendo not accept and agree to all of the Terms, we you will consider that day not be entitled to be use the day external transfer funds feature. Avidia Bank reserves the right to change the Terms, under which the external funds transfer feature is offered at any time; however, Avidia Bank will notify you of your depositany material change to the Terms. HoweverIn most cases, if you make a deposit after that time or on a day we are not open, we will consider that receive the deposit was made on notice on-line the next business day we are open. International ACH Transactions (IAT) that are transmitted time you log in; however, Avidia Bank reserves the right to notify you by e-mail or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a caseconventional mail, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesin its discretion. You agree that if you continue to use the external funds transfer feature after we notify you of any such delay is permissible under change, you thereby accept the laws applicable changes to the availability of Terms and agree to be bound by this Agreement, as amended. If at any time you wish to discontinue using the external funds held in deposit accountstransfer, you can unsubscribe by sending Avidia Bank an e-mail to XXX@xxxxxxxxxx.xxx or call us at 0-000-000-0000. In the event If your Deposit Account associated with an IAT is delayed external transfer has been closed you will have no further right or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in access to use this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnfeature.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the date of deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000 from next-day items will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second business day after the day date of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. New accounts do not receive $200 same day availability. Use of our affiliated Shared Branches and Family Service Centers is restricted for the first 30 days after your account is open. Shared Branch Availability Policy Disclosure: Shared branches are defined as those offices where members of many different credit unions are able to perform transactions to their own credit union account. The policy at shared branches is to make funds from your deposits available to you on the same Business Day your deposit is received. A deposit at a shared branch is considered received when it is accepted with all appropriate endorsements. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysBusiness Day that your own credit union is open which may differ from the days the shared branch is open. If you make a deposit before close on a business day that we are your credit union is open, we will consider that day to will be considered the day of your deposit. However, if you make a deposit after that time or at a shared branch on a day we are your credit union is not open, we ; your deposit will consider that the deposit was be considered made on the next business day we are Business Day your credit union is open. International ACH Transactions (IAT) Longer Delays May Apply: In some cases, all of the funds that are transmitted you deposit by check will not be available to or from any you on the same Business Day you make the deposit. Depending upon the type of check you deposit, funds may not be available until the second Business Day after the day of your accounts may deposit. However, the first $200 of your deposits will be identified and designated by us for review and examination under available on the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)same Business Day. In such a case, settlement of Not accepted into Checking Accounts: Automatic Teller Machines: Service Center Branch hold policies do not apply to ATM transactions. The financial institution that issued your ATM card determines the IAT may be delayed or suspended, and may be terminated under applicable OFAC RulesFunds Availability Policy. You also acknowledge that we may be required to place an indefinite hold ATM’s on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable Service Center premises are proprietary to the availability of funds held in deposit accounts. In financial institution as noted on the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnmachine.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your the account is open. Funds from electronic direct deposits to your account will be are available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be are available on no later than the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have deposited in person to use a special deposit slip)one of our employees. The excess over $5,525 will be is available on by the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be are generally available on by the seventh ninth business day after the day of your deposit. For determining However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above). Government Checks, Cashier’s Checks and Other Special Types of Checks Our policy is to make funds from U.S. Trea- sury checks that are payable to you available no later than the availability first business day after the day of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysthe deposit. If you make a the deposit before close on a in person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit: • State and local government checks that we are openpayable to you and are deposited in an account in the same jurisdiction that issued the check. • Cashier’s, we will consider certified and teller’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service money orders that are payable to you. • Checks drawn on Patriot Bank, N.A. that are payable to you. If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day to be after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above). Cash Withdrawal Limitation If we delay availability of your deposit, we place certain limitations on withdrawals in cash or by similar means. In general, $225 of a deposit is available for withdrawal in cash or by similar means no later than the first business day after the day of deposit. Any remaining funds will be available for withdrawal in cash or by similar means on the following business day. Similar means include electronic payment, issuance of a cashier’s check, or other irre- vocable commitment to pay, such as a debit card transaction. Holds on Other Funds If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your ability to withdraw a corresponding amount of funds that you have on deposit in another account with us. In either case, we make these funds available in accordance with our policy described above for the type of check that was cashed or deposited. Processing Withdrawals Cashing Checks for You We may occasionally refuse to cash a check written to you. If we cash a check and it is returned to us unpaid for any reason at any time, we may deduct the amount of the check from your account, even if this causes your account to become overdrawn, and we may charge you a fee. We may cash checks payable to any signer on your account when endorsed by any other signer. If you ask us to cash a check or other items for you, we may apply the proceeds of the check or other item to fees, overdrafts and other amounts you owe us. Cashing Your Checks for Others We will not cash your check for a third party payee in one of our branches unless you are a business customer and have a signed check cashing agreement on file with us. We may: • Require identification satisfactory to us; • Charge them a fee for cashing the check; and/or • Impose additional requirements, such as limiting the locations where we will pay the check in cash. If the person with your check fails or refuses to satisfy our requirements, we may refuse to cash the check. We are not liable to you for refusing to cash the check or for charging a check-cashing fee. Checks with Legends or Restrictions Some customers print or write legends or restrictions on their checks. Sometimes the person to whom the check is payable will print or write a legend or restriction on the check. Legends and restrictions include con- ditions, special or restrictive instructions, and other notations. Some examples are: “not val- id after 60 days,” “not valid over $1,000.00,” or “paid in full.” We may disregard legends and restrictions. We may pay the item even if the legend or restriction has not been met. We are not liable to you for any claims, costs, losses or damages that result from the place- ment of these legends or restrictions on your checks or from our failure to abide by them (see Examining Checks below). Collection Items When another financial institution submits to us for collection an item drawn on your account, we may charge the other financial institution a fee. When you do not have enough funds in your account for us to pro- cess a collection item drawn on your account, we may charge you an overdraft or returned item fee. Check Stock and Ink You agree to bear the risk of loss if you make a deposit after use check stock that time contains defects, such as printing inaccuracies, faulty magnetic ink, faulty encoding or on a day we are not open, we will consider that the deposit was made on the next business day we are openduplicate serial numbers. International ACH Transactions (IAT) that are transmitted to or from any of your accounts Checks you write may be identified converted into elec- tronic images (truncated) during the check collection and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rulesreturn process. You also acknowledge agree to bear the risk of loss if you elect to have your checks printed by a vendor that has not been approved by us; you use check stock or features (such as security features) that cause critical data to disappear or be obscured upon truncation; or you make your check out in a way (such as, using a lightly colored ink) that causes critical data to disappear or be obscured upon truncation. Converting Checks to Electronic Debits Some businesses convert checks that you give them into electronic debits (sometimes referred to as an electronic check) and then send us an electronic debit for the transac- tion amount. When we receive the electronic debit, we charge it to your account. We may receive the electronic debit to your account immediately after the business enters the transaction, so you may have a reduced right to stop payment and you may incur an overdraft if you do not have sufficient funds in your account to cover the amount of the check at the time you write the check or authorize the transaction. Since the check is not sent to us, we do not have a copy of your check. We list these electronic debits on your account statement. If the business uses your check to initiate an electronic debit at the point of sale, the business should give you notice of the conversion and return the void- ed check to you. You should treat the voided check with care because someone else who obtains possession of it could use the infor- mation to initiate additional debits against your account. A business that receives your check by mail and converts it to an electronic debit may give you notice of the conversion and destroy the original check. Examining Checks We receive checks in great volume. This and compliance with expedited funds availabil- ity laws require us to use automated check processing procedures. Although we may be required visually review a sample of checks and other items from time to place an indefinite hold time, reasonable commer- cial standards do not require us to do so. We select some checks for review based on funds covered by certain criteria that change from time to time. This means that most checks are processed on the IAT if basis of the IAT is required to be terminated under OFAC RulesMICR (Magnetic Ink Character Recognition) line printed along the bottom edge of the check, and are not individ- ually examined for dates, maker signatures, legends or endorsements. You agree that any such delay is permissible under the laws applicable we will have exercised ordinary care if we exam- ine only those items that we have identified according to the availability criteria that we may estab- lish in our discretion for inspection. If we do visually review any check or other item, we may disregard any restrictive in- structions or notations, such as an instruc- tion to permit withdrawals only upon more than one signature. We may return the item unpaid if, in our opinion, it does not bear a signature matching any specimen signature we have on file for your account. You agree, however, that we will not be liable to you for honoring any check or other item bearing a signature that, in our sole opinion, resem- bles the specimen signature on file with us. Since we do not individually examine most checks, it is critical for you to take care of funds held in deposit your checks, promptly review your account statement, and immediately report any suspicious or unauthorized activity to us. You agree that automated processing of your checks is reasonable and that you accept responsibility for preventing and reporting forgeries, alterations, and other unauthorized uses of your checks or accounts. In You agree that the event an IAT is delayed exercise of ordinary care will not re- quire us to detect forgeries or terminatedalterations that could not be detected by a person observing reasonable commercial standards. Since some types of check fraud have become more difficult to detect, we will provide may elect in some cases to make further inquiries about certain checks or other items that are presented for payment against your account. If we are unable to contact you, or take other steps, to determine with reasonable certainty that you authorized these payments, we may either pay the checks and other items or return them unpaid without any liability to you. Items Resulting from Voluntary Disclosure If you voluntarily disclose your account num- ber to another person orally, electronically, in writing or by other means, you are deemed to authorize each item, including electronic xxx- its, which result from your disclosure. We may pay these items and charge your account. Large Cash Withdrawals We may require reasonable advance notice for large cash withdrawals. We may also refuse to honor a request to withdraw funds in cash from your account or to cash a check (including a cashier’s check or other official item) at a branch if we believe that the amount is unreasonably large or that hon- oring the request would cause us an undue hardship or security risk. We may require that such notice as withdrawals be made at your sole risk and expense. We are not responsible for providing for your security in such transactions. Stale-Dated and Postdated Checks If a stale-dated check — that is, a check dated more than six months in the past — is presented for payment against your account, we may pay the check and charge it to your account. If a postdated check — a check dat- ed in the future — is presented for payment, we may pay the check and charge it to your account even if it is presented for payment before the date stated on the check. If you do not want us to pay a stale-dated or postdated check, you must place a stop payment order on it. See the Stop Payment Orders and Postdating Orders section. Substitute Checks, Indemnified Copies, Images and Image Replacement Copies In some cases, we may be required by applicable lawsent an indemni- fied copy of your original check, an image replacement document (IRD), a substitute check or an image of your check instead of the original item. Checks drawn on financial institutions located outside We may act upon presentment of an IRD, indemnified copy, substitute check or image of your check, and pay these items against your account just as if the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnoriginal item had been presented.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the next business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will not be available on until the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available on no later than the seventh eleventh business day after the day of your We receive Your deposit. For determining Further delays may apply. Dividend Payment Policy. See the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made Account Disclosures section in this brochure for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your the account is open. Funds from electronic direct deposits to your account will be are available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be are available on no later than the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have deposited in person to use a special deposit slip)one of our employees. The excess over $5,525 will be is available on by the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be are generally available on by the seventh ninth business day after the day of your deposit. For determining However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above). Government Checks, Cashier’s Checks and Other Special Types of Checks Our policy is to make funds from U.S. Trea- sury checks that are payable to you available no later than the availability first business day after the day of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysthe deposit. If you make a the deposit before close on a in person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit: • State and local government checks that we are openpayable to you and are deposited in an account in the same jurisdiction that issued the check. • Cashier’s, we will consider certified and teller’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service money orders that are payable to you. • Checks drawn on Patriot Bank, N.A. that are payable to you. If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day to be after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above). Cash Withdrawal Limitation If we delay availability of your deposit, we place certain limitations on withdrawals in cash or by similar means. In general, $225 of a deposit is available for withdrawal in cash or by similar means no later than the first business day after the day of deposit. Any remaining funds will be available for withdrawal in cash or by similar means on the following business day. Similar means include electronic payment, issuance of a cashier’s check, or other irre- vocable commitment to pay, such as a debit card transaction. Holds on Other Funds If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your ability to withdraw a corresponding amount of funds that you have on deposit in another account with us. In either case, we make these funds available in accordance with our policy described above for the type of check that was cashed or deposited. Processing Withdrawals Cashing Checks for You We may occasionally refuse to cash a check written to you. If we cash a check and it is returned to us unpaid for any reason at any time, we may deduct the amount of the check from your account, even if this causes your account to become overdrawn, and we may charge you a fee. We may cash checks payable to any signer on your account when endorsed by any other signer. If you ask us to cash a check or other items for you, we may apply the proceeds of the check or other item to fees, overdrafts and other amounts you owe us. Cashing Your Checks for Others We will not cash your check for a third party payee in one of our branches unless you are a business customer and have a signed check cashing agreement on file with us. We may: • Require identification satisfactory to us; • Charge them a fee for cashing the check; and/or • Impose additional requirements, such as limiting the locations where we will pay the check in cash. If the person with your check fails or refuses to satisfy our requirements, we may refuse to cash the check. We are not liable to you for refusing to cash the check or for charging a check-cashing fee. Checks with Legends or Restrictions Some customers print or write legends or restrictions on their checks. Sometimes the person to whom the check is payable will print or write a legend or restriction on the check. Legends and restrictions include con- ditions, special or restrictive instructions, and other notations. Some examples are: “not val- id after 60 days,” “not valid over $1,000.00,” or “paid in full.” We may disregard legends and restrictions. We may pay the item even if the legend or restriction has not been met. We are not liable to you for any claims, costs, losses or damages that result from the place- ment of these legends or restrictions on your checks or from our failure to abide by them (see Examining Checks below). Collection Items When another financial institution submits to us for collection an item drawn on your account, we may charge the other financial institution a fee. When you do not have enough funds in your account for us to pro- cess a collection item drawn on your account, we may charge you an overdraft or returned item fee. Check Stock and Ink You agree to bear the risk of loss if you make a deposit after use check stock that time contains defects, such as printing inaccuracies, faulty magnetic ink, faulty encoding or on a day we are not open, we will consider that the deposit was made on the next business day we are openduplicate serial numbers. International ACH Transactions (IAT) that are transmitted to or from any of your accounts Checks you write may be identified converted into elec- tronic images (truncated) during the check collection and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rulesreturn process. You also acknowledge agree to bear the risk of loss if you elect to have your checks printed by a vendor that has not been approved by us; you use check stock or features (such as security features) that cause critical data to disappear or be obscured upon truncation; or you make your check out in a way (such as, using a lightly colored ink) that causes critical data to disappear or be obscured upon truncation. Converting Checks to Electronic Debits Some businesses convert checks that you give them into electronic debits (sometimes referred to as an electronic check) and then send us an electronic debit for the transac- tion amount. When we receive the electronic debit, we charge it to your account. We may receive the electronic debit to your account immediately after the business enters the transaction, so you may have a reduced right to stop payment and you may incur an overdraft if you do not have sufficient funds in your account to cover the amount of the check at the time you write the check or authorize the transaction. Since the check is not sent to us, we do not have a copy of your check. We list these electronic debits on your account statement. If the business uses your check to initiate an electronic debit at the point of sale, the business should give you notice of the conversion and return the void- ed check to you. You should treat the voided check with care because someone else who obtains possession of it could use the infor- mation to initiate additional debits against your account. A business that receives your check by mail and converts it to an electronic debit may give you notice of the conversion and destroy the original check. Examining Checks We receive checks in great volume. This and compliance with expedited funds availabil- ity laws require us to use automated check processing procedures. Although we may be required visually review a sample of checks and other items from time to place an indefinite hold time, reasonable commer- cial standards do not require us to do so. We select some checks for review based on funds covered by certain criteria that change from time to time. This means that most checks are processed on the IAT if basis of the IAT is required to be terminated under OFAC RulesMICR (Magnetic Ink Character Recognition) line printed along the bottom edge of the check, and are not individ- ually examined for dates, maker signatures, legends or endorsements. You agree that any such delay is permissible under the laws applicable we will have exercised ordinary care if we exam- ine only those items that we have identified according to the availability criteria that we may estab- lish in our discretion for inspection. If we do visually review any check or other item, we may disregard any restrictive in- structions or notations, such as an instruc- tion to permit withdrawals only upon more than one signature. We may return the item unpaid if, in our opinion, it does not bear a signature matching any specimen signature we have on file for your account. You agree, however, that we will not be liable to you for honoring any check or other item bearing a signature that, in our sole opinion, resem- bles the specimen signature on file with us. Since we do not individually examine most checks, it is critical for you to take care of funds held in deposit your checks, promptly review your account statement, and immediately report any suspicious or unauthorized activity to us. You agree that automated processing of your checks is reasonable and that you accept responsibility for preventing and reporting forgeries, alterations, and other unauthorized uses of your checks or accounts. In You agree that the event an IAT is delayed exercise of ordinary care will not re- quire us to detect forgeries or terminatedalterations that could not be detected by a person observing reasonable commercial standards. Since some types of check fraud have become more difficult to detect, we will provide may elect in some cases to make further inquiries about certain checks or other items that are presented for payment against your account. If we are unable to contact you, or take other steps, to determine with reasonable certainty that you authorized these payments, we may either pay the checks and other items or return them unpaid without any liability to you. Items Resulting from Voluntary Disclosure If you voluntarily disclose your account num- ber to another person orally, electronically, in writing or by other means, you are deemed to authorize each item, including electronic deb- its, which result from your disclosure. We may pay these items and charge your account. Large Cash Withdrawals We may require reasonable advance notice for large cash withdrawals. We may also refuse to honor a request to withdraw funds in cash from your account or to cash a check (including a cashier’s check or other official item) at a branch if we believe that the amount is unreasonably large or that hon- oring the request would cause us an undue hardship or security risk. We may require that such notice as withdrawals be made at your sole risk and expense. We are not responsible for providing for your security in such transactions. Stale-Dated and Postdated Checks If a stale-dated check — that is, a check dated more than six months in the past — is presented for payment against your account, we may pay the check and charge it to your account. If a postdated check — a check dat- ed in the future — is presented for payment, we may pay the check and charge it to your account even if it is presented for payment before the date stated on the check. If you do not want us to pay a stale-dated or postdated check, you must place a stop payment order on it. See the Stop Payment Orders and Postdating Orders section. Substitute Checks, Indemnified Copies, Images and Image Replacement Copies In some cases, we may be required by applicable lawsent an indemni- fied copy of your original check, an image replacement document (IRD), a substitute check or an image of your check instead of the original item. Checks drawn on financial institutions located outside We may act upon presentment of an IRD, indemnified copy, substitute check or image of your check, and pay these items against your account just as if the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnoriginal item had been presented.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your account is openopened. Funds from electronic direct deposits to your account account, excluding External Funds Transfers, will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh first business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on no later than the seventh business day second Business Day after the day of your deposit. For determining This Agreement sets out the availability of your deposits, every day is terms and conditions (Terms) upon which Avidia Bank (Bank) will provide the ability to perform external funds transfers and serves as a business day, except Saturdays, Sundays, legally binding agreement between you and federal holidaysthe Bank. . If you make a deposit before close on a business day that we are opendo not accept and agree to all of the Terms, we you will consider that day not be entitled to be use the day external transfer funds feature. The Bank reserves the right to change the Terms, under which the external funds transfer feature is offered at any time; however, the Bank will notify you of your depositany material change to the Terms. HoweverIn most cases, if you make a deposit after that time or on a day we are not open, we will consider that receive the deposit was made on notice on-line the next business day we are open. International ACH Transactions (IAT) that are transmitted time you log in; however, the Bank reserves the right to notify you by e-mail or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a caseconventional mail, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesin its discretion. You agree that if you continue to use the external funds transfer feature after we notify you of any such delay is permissible under change, you thereby accept the laws applicable changes to the availability of Terms and agree to be bound by this Agreement, as amended. If at any time you wish to discontinue using the external funds held in deposit accountstransfer, you can unsubscribe by sending the Bank an e-mail to XXX@xxxxxxxxxx.xxx or call us at 0-000-000-0000. In the event If your Bank account associated with an IAT is delayed external transfer has been closed you will have no further right or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in access to use this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnfeature.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Business Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that any such delay is permissible under the laws applicable we may use subsequent deposits and other credits to the availability account, including without limitation deposits of funds held government, welfare, retirement and Social Security benefits, to cover any overdraft existing in deposit your account, to the fullest extent permitted by law. Each account owner is jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. In BUSINESS BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ONLINE BANKING AGREEMENT AND DISCLOSURE Manage multiple client interest-bearing savings accounts linked to one master checking account. SUMSM PROGRAM Cambridge Trust Company is a member of the event an IAT is delayed or terminated, we SUMSM Program. Additional ATM surcharges will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed imposed on Cambridge Trust clients who use their cards at SUM- designated ATMs. However, Cambridge Trust does impose an ATM fee for transactions at non-Cambridge Trust Company ATMs except where otherwise noted. Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX Provide client name and account number Business ATM and debit card fees: ATM Transactions at non-Cambridge Trust ATM’s $1 Debit cash advance $1 Deposited item returned unpaid $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Collection item - Canadian variable Collection item - other $30 Interim statement $25 Duplicate paper Statement Instruction $2.50 Debit replacement card $7.50 monthly, per account International mailing address instruction $5 Stop payment Manual $30 BizBanker $25 Treasurer’s check: Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to $50 Access to bulk storage (per visit) $10 Wire transfer Outgoing International draft $40 International wire transfer Manual $45 BizBanker $35 Draw Down Wire Transfer $35 Account closing early (within six months of opening) $50 Bond coupons returned unpaid $20 Check printing variable Stand-by Letter of Credit Opening Fee (one time fee) $150 Annual Fee Secured Greater of 2% of SBLC amount or $150 Unsecured Greater or 3% of SBLC amount or $150 Amendment Fee $50 Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 Sweep $150 Monthly maintenance fee $55 ACH originated $.22 per item Remote Deposit Capture $75 Positive Pay ACH Positive Pay Maintenance per account $20 Check Basic Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.07 Check Payee Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.10 ACH Addenda Report $25/Account/ Month Premium Service with bill payment utilizes enhanced security with token authentication technology. A set-up fee of $50 per user applies. Additional Cash Management services are available and certain fees may apply. Contact your Relationship Manager for more information. For additional services refer to Other Fees. Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month By using our Online Banking Service (“Online Banking”) and checking the same as checks drawn on U.S. financial institutions“I agree to the terms of the Document Service Agreement and Disclosure,” you are electing to receive your deposit account statements and loan account statements and certain disclosures and notices electronically (“eStatements”), and you agree that Cambridge Trust Company (CTC) may provide these communications to you in electronic form in lieu of paper form in accordance with these terms. Foreign checks are exempt from Please read the policies outlined in this disclosure. Generally, the availability following agreement carefully and print and retain a copy of funds it for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnyour records.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Personal Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that we may use subsequent deposits and other credits to the account, including without limitation deposits of government, welfare, retirement and Social Security benefits, to cover any such delay overdraft existing in your account, to the fullest extent permitted by law. Each account owner is permissible jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. PERSONAL BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ELECTRONIC BANKING AGREEMENT SUMSM PROGRAM Cambridge Trust Company is a member of the SUMSM Program. Additional ATM surcharges will not be imposed on Cambridge Trust clients who use their cards at SUM- designated ATMs. However, Cambridge Trust does impose an ATM network fee for transactions at non-Cambridge Trust Company ATMs except as noted under the laws applicable Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX Provide client name Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, $2.50 monthly, per account Paper Statement instruction fee $2.00 International Mailing Address Instruction paper statements, monthly, per account $5 Stop Payment $30 Treasurer’s check: Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to the availability $50 Bill paying (per manual payment) $20 Access to bulk storage (per visit) $10 Wire transfer (within six months of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checksopening) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.Bond coupons returned unpaid $20 Check printing variable Coin counting MasterCard® International Assessment Fee 2% of

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second ninth business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. For determining If members deposit funds into their Credit Union accounts at any of these ATM's, that deposit, whether cash or check, may not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be following the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable lawChecks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosureDisclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD DEBIT CARD, OUR CALL-24 AUDIO RESPONSE SYSTEM AND OUR WEB-24 INTERNET BANKING, EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you are a new member, the The following special rules will apply during the first 30 thirty (30) days your account is openof new accounts although longer delays may apply. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transferstransfer, and the first 5,525 $5,000 of a day's ’s total deposits of cashier'scashiers, tellers, certified, teller's, traveler'stravelers, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)the member. The excess over 5,525 $5,000 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in I person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. US (foreign checks) cannot be processed the same as checks drawn on U.S. US financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us the credit union to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,525.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second ninth business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. For determining If members deposit funds into their Credit Union accounts at any of these ATM's, that deposit, whether cash or check, may not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be following the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable lawChecks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosureDisclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MASTERCARD DEBIT CARD, OUR CALL-24 AUDIO RESPONSE SYSTEM AND OUR WEB-24 INTERNET BANKING, EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh tenth business day after the day of your deposit. For determining To make check processing faster, federal law called the availability Check 21 Act permits financial institutions to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your depositscheck. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, every day you have rights under other law with respect to those transactions. In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, overdraft or NSF fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to dividends on the amount of your refund if your account is a business daydividend- bearing account. If your loss exceeds the amount of the substitute check, except Saturdays, Sundays, and federal holidaysyou may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus dividends if your account earns dividends) within ten (10) business days after we received your claim and the remainder of your refund (plus dividends if your account earns dividends) not later than forty-five (45) calendar days after we received your claim. We may reverse the refund (including any dividends on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at the contact information provided in this agreement. You must contact us within sixty (60) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a deposit before close on timely claim because of extraordinary circumstances. Your claim must include— • A description of why you have suffered a business day that we are openloss (for example, we will consider that day to be you think the day amount withdrawn was incorrect); • An estimate of the amount of your depositloss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check. HoweverThe information in this paragraph describes common features for our accounts. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: share draft, if you in-person withdrawal, ATM withdrawal, or other electronic means. We reserve the right to require a member intending to make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or withdrawal from any account (except a checking account) to give written notice of your accounts such intent not less than 7 days and up to 60 days before such withdrawal. Withdrawals from a share certificate prior to maturity or prior to any notice period may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, restricted and may be terminated under applicable OFAC Rulessubject to penalty. You also acknowledge that we may be See the early withdrawal penalty section for more information. Please refer to our separate Fee Schedule for additional and specific information about our fees. For accounts earning dividends, other than share certificates, dividends are paid from current income and available earnings, after required transfers to place an indefinite hold on funds covered by reserves at the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability end of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosurea dividend period. Generally, the availability of funds dividend period for deposits of foreign checks dividend-bearing accounts will be delayed monthly or quarterly. For accounts with a monthly dividend period, the following example applies: The beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and, for this example, is January 31. For accounts with a quarterly dividend period, the time it takes us to collect following example applies: The beginning date of the funds from first dividend period of the financial institutions upon which it calendar year is drawnJanuary 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and, for this example, is March 31.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the next 1st business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will be available on the seventh 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,525.00 will not be available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining the availability Location of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysCheck Endorsements. If you make a deposit before close on a business day that we are open, we will consider that day Federal law requires all check endorsements to be in the day first 1-1/2 inches of your depositthe trailing edge of the back of the check. HoweverThe trailing edge is opposite the left side of the face of the check, if you make a deposit after the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that time or on a day we are do not open, we will consider that comply with the deposit was made endorsement standards. Dividend Payment Policy. See the Account Disclosures section in these Agreements and Disclosures for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close the branch closing time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Deposits made through an ATM may be subject to a different cut-off time. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit share accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are An account is a new memberaccount if any customer on the account has not, within thirty days of when the account is established, had a transaction account with our bank. An account retains its new account status for thirty days after it is established, and the following special rules will apply during the first 30 days your account is open. this time period: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a one day's ’s total deposits of cashier's’s, certified, teller'stellers, traveler'stravelers, and federal, state state, and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after day. The following Substitute Check Disclosure provides information about substitute checks and your rights. Some or all of the day checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your deposit. For determining refund under this procedure is limited to the availability amount of your depositsloss or the amount of the substitute check whichever is less. You are also entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, every day is a business day, except Saturdays, Sundays, and federal holidaysyou may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) not later than 45 calendar days after we receive your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. If you believe that you have suffered a loss relating to a substitute check, that you received and that was posted to your account, Please contact us at: Xxxxxx Savings Bank 00 Xxxxx Xxxxx Xx. Xxxxxx, XX 00000 000-000-0000 Or visit any branch office. You must contact us within 60 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check in question was posted to your account, whichever is later. We will extend this time period if you were not able to make a deposit before close on timely claim because of extraordinary circumstances. Your claim must include – A description of why you have suffered a business day that we are open, we will consider that day to be loss (for example you think the day amount withdrawn was incorrect); An estimate of the amount of your depositloss. However, if An explanation of why the substitute check you make received is insufficient to confirm that you suffered a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified loss; and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement A copy of the IAT may be delayed substitute check or suspendedthe following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required the name of the person to place an indefinite hold on funds covered by whom you wrote the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawncheck.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the second fifth business day after the day date of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day This rule does not apply at ATMs that we are open, we will consider that day to be the day of your depositown or operate. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge All ATMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate are identified as our machines. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountsELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. In the event an IAT is delayed or terminatedIT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA CHECK CARD, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. OUR AUDIO RESPONSE SYSTEM (foreign checks"Phone Pal") cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnAND OUR ONLINE BANKING SYSTEM (“Online Banking”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you are a new member, the The following special rules will apply during the first 30 thirty (30) days your account is openof new accounts although longer delays may apply. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transferstransfer, and the first $5,525 of a day's ’s total deposits of cashier'scashiers, tellers, certified, teller's, traveler'stravelers, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)the member. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. US (foreign checks) cannot be processed the same as checks drawn on U.S. US financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us the credit union to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,525.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,525.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. For determining Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. However, if you make a deposit after that time or on a day we are This rule does not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge apply at ATMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate. You agree All ATMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountswe own or operate are identified as our machines. In the event an IAT is delayed or terminatedELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA CHECK CARD, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. OUR AUDIO RESPONSE SYSTEM (foreign checks"Phone Pal") cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnAND OUR ONLINE BANKING SYSTEM (“Online Banking”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 3rd business day after the day of your deposit. For determining the availability of your depositsTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, every day is a business daySUBJECT TO THE TERMS OF THIS AGREEMENT, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREE TO BY SIGNING THE WIRE TRANSFER AGREEMENT AT THE TIME OF YOUR WIRE TRANSFER REQUEST.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkDeposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of our employees, the first 5,525 own or operate will not be available until the second fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is available for withdrawal in cash by the first business day after the day of your deposit. Funds from all In addition, a total of $400.00 of other check deposits will be available on the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable lawChecks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosureDisclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM OR MASTERMONEY CARD, OUR AUDIO RESPONSE SYSTEM ("PEARL"), OUR PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM (“VIRTUAL BRANCH®”) AND OUR ONLINE BANKING SYSTEM (“VIRTUAL BRANCH WITH PAYIT®”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you You are a new membercustomer, the following special rules will apply during the first 30 days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,000.00 will be available on the seventh 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first 5,525 $5,000.00 will not be available until the second 2nd business day after the day of your Your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining Interest/Dividend Payment Policy. See the availability of your deposits, every day is a business day, except Saturdays, Sundays, Account Disclosures section in these Agreements and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made Disclosures for Our policy on the next business day we are openpayment of interest and dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Personal Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that we may use subsequent deposits and other credits to the account, including without limitation deposits of government, welfare, retirement and Social Security benefits, to cover any such delay overdraft existing in your account, to the fullest extent permitted by law. Each account owner is permissible jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. PERSONAL BANKING FEE SCHEDULE The Fee Schedule is part of your Account Agreement. Online banking and bill payment are free of charge. International Mailing Address Instruction $5 paper statements, monthly, per account SUMSM PROGRAM Stop Payment $30 Cambridge Trust Company is a member of the SUMSM Treasurer’s check: Program. Additional ATM surcharges will not be imposed on Cambridge Trust clients who use their cards at SUM- Client $5 designated ATMs. However, Cambridge Trust does impose Non-client $7 an ATM network fee for transactions at non-Cambridge Bank money order $2 Trust Company ATMs except as noted under the laws applicable Research: hourly fee $25 Escheatment fee $100 INCOMING WIRE INSTRUCTIONS Levy/attachment processing fee up to the availability of $50 Wire to: Bill paying (per manual payment) $20 Cambridge Trust Company Access to bulk storage (per visit) $10 Relationship Accounts and Checking Accounts section. Provide client name and account number Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds held - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Interim statement $25 MasterCard® Inthe U.S. Duplicate paper Statement Instruction, monthly, per account $2.50 Dollar Paper Statement instruction fee(Waived when you enroll in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checksOnline Banking with eStatements) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.$2 Collection item - Other $30 Wire transfer Outgoing Wire transfer domestic $30 Wire transfer international $45 Incoming Account closing early $50 Bond coupons returned unpaid $20 Check printing variable Coin counting XxxxxxxxxXxxxx.xxx/XxxxxxxXxxxxxxxxXxxx 000-000-0000 23 ELECTRONIC BANKING AGREEMENT

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first 30 thirty (30) days your that my account is openopened. Funds from electronic direct deposits to your my account will be available on the day we you receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, and traveler's, ’s checks and federal, state state, and local government checks will be available on the next first business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to you (me and you may have to use a special deposit slip). The the excess over 5,525 of more than $5,000 will be available on the seventh ninth business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first 5,525 $5,000 will not be available until the second business day after the day of your my deposit. Funds from all other check deposits will be available on no later than the seventh business 30th calendar day after the day of your my deposit. For determining In no event does the availability above policy affect your right to accept or reject an item for deposit or to require written notice of an intended withdrawal. The above policy is subject to change upon fifteen (15) days’ written notice. Check Processing, including Check 21—Substitute Checks Checks, drafts, and other negotiable instruments, including substitute checks (collectively “checks”) deposited to my account or cashed, automated clearinghouse (ACH) entries, and all other types of external and book-entry funds transfers (checks and funds transfers collectively referred to herein as “items”) may be charged back against the account (or an account for split deposits) or any other account of mine with you if you are informed that the item is being or has been returned unpaid (or for checks drawn on other accounts with you, the check is dishonored by you for any reason), without regard to whether such return or dishonor is timely. When a deposited or cashed item is returned, I will be charged a fee as disclosed in your depositsServices and Schedule of Fees. You may charge my account whether or not the check is returned to you and whether or not you can return the item or a copy to me. Even if you verify a deposited or cashed check and tell me that the check has been paid, every that will not release my liability as an endorser. This right shall extend to any check or other item deposited into my account or cashed that is finally paid and then is returned because a claim is made that the check or other item was altered, forged, unauthorized, has a missing signature, or should not have been paid for any reason. In lieu of charging my account, you may withhold an amount equal to such check or other item from my account until a final determination of the validity of such claim has been made. You have no duty to return a check that has been charged back to an account if that account has become overdrawn. You are not required to give me next-day notice if a deposited or cashed item is dishonored. Any check deposited to my account that lacks an endorsement may be, or may be deemed to be, endorsed by you on my behalf with exception of government-issued checks. With respect to any such check, my rights and my liabilities shall be determined as though I actually endorsed and deposited the item. Further, any check deposited to my account that bears my stamped or facsimile endorsement shall be deemed to bear my actual endorsement whether such endorsement was affixed by me or by someone having no authority to supply my endorsement. I agree to assume responsibility for and to indemnify you for any loss you may incur as a result of my failure to comply with the endorsement standards set forth in this Agreement. If I deposit a remotely created check, I guarantee that the check was authorized by the account holder for payment in the amount shown. Remotely created checks are created when an account holder authorizes a payee to draw a check on the account, but instead of the account holder’s actual signature, the check identifies that the account holder authorized the check. You will accept deposits based solely on account numbers listed, and you are not responsible for verifying the name(s) listed on the checks or associated with the account. You may return or refuse to accept all or any part of a deposit or credit to my account at any time and will not be liable to me for doing so even if such action causes outstanding items to be dishonored and returned. Returned or refused deposits (or the legal equivalent of the deposited item) will be returned to me. In addition, I will be solely responsible for any loss or liability you sustain in connection with the deposit of substitute checks. You will not give me next-day notice of receipt of an electronic deposit to my account but will provide such notice to me on my next periodic account statement. I may call you to confirm an ACH or wire transfer deposit. Substitute Checks Federal law permits financial institutions to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states, “This is a business daylegal copy of my check. I can use it the same way I would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that I receive back from you may be substitute checks. This notice describes rights I have when I receive substitute checks from you. The rights in this notice do not apply to original checks or to electronic debits to my account. However, except SaturdaysI have rights under other laws with respect to those transactions. In certain cases, Sundaysfederal law provides a special procedure that allows me to request a refund for losses I suffer if a substitute check is posted to my account (for example, if I think that you withdrew the wrong amount from my account or that you withdrew money from my account more than once for the same check). The losses I may attempt to recover under this procedure may include the amount that was withdrawn from my account and federal holidaysfees that were charged as a result of the withdrawal (for example, overdraft check fees). The amount of my refund under this procedure is limited to the amount of my loss or the amount of the substitute check, whichever is less. I am entitled to dividends on the amount of my refunds if my account type earns dividends. If you use this procedure, I may receive up to $2,500 of my refund (plus dividends if my account earns dividends) within ten (10) business days after you received my claim and the remainder of my refund (plus dividends if my account earns dividends) not later than forty-five (45) calendar days after you received my claim. You may reverse the refund (including any dividends on the refund) if you later are able to demonstrate that the substitute check was correctly posted to my account. Making a Refund Claim If I believe that I have suffered a loss relating to a substitute check that you received and that was posted to my account, I should contact you at 800.XFCU.222 (000.000.0000). I must contact you within forty (40) calendar days of the date that you mailed (or otherwise delivered by a means to which I agreed) the substitute check in question or the account statement showing that the substitute check was posted to my account, whichever is later. You will extend this time period if I was not able to make a timely claim because of extraordinary circumstances. My Claim Must Include: • A description of why I have suffered a loss (for example, I think the amount withdrawn was incorrect). • An estimate of the amount of my loss. • An explanation of why the substitute check you received is insufficient to confirm that I suffered a loss. • Information to help you identify the substitute check: the check number, the name of the person to whom I wrote the check, and the amount of the check. My compliance with your endorsement standards is necessary to help assure that the checks you deposit before close will be cleared on a business day timely basis. Your endorsement standards are: • Member endorsements must be placed in the 11/2-inch area starting at the left side of the check. • The remaining area of the check cannot contain any preprinted, stamped, or handwritten member information. (The diagram below illustrates where the endorsements must appear to comply with these endorsement standards.) Record Retention You shall abide by federal and applicable state record retention laws and may dispose of any records that we are openhave been retained or preserved for the period set forth in these laws. Any action by or against me based on, we will consider or the determination of which would depend on, the contents of records for which a period of retention or preservation is set forth in these laws shall be brought within the time for which the record must be retained or preserved, unless applicable law provides a shorter limitation period. Any action against me on an automatically renewable share certificate account must be brought within the retention period applicable to that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made share certificate account based on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified stated maturity date in the most recent record evidencing the existence and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement term of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnshare certificate account.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the next 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will be available on the seventh 7th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first 5,525 $5,525.00 will not be available until the second 2nd business day after the day of your Your deposit. Funds from all other check deposits will be available on the seventh 8th business day after the day of your Your deposit. For determining the availability Location of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysCheck Endorsements. If you make a deposit before close on a business day that we are open, we will consider that day Federal law requires all check endorsements to be in the day first 1-1/2 inches of your depositthe trailing edge of the back of the check. HoweverThe trailing edge is opposite the left side of the face of the check, if you make a deposit after the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that time or on a day we are do not open, we will consider that comply with the deposit was made endorsement standards. Dividend Payment Policy. See the Account Disclosures section in these Agreements And Disclosures for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cashU.S. Treasury checks, wire transfersUSPS money orders, cashier Federal Home Loan Bank checks, and the first 5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be are available on the next business day after the day of your deposit if Credit Union receives the deposit meets certain conditionstransfer. For example, the Funds from all other checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 will be are available on the seventh 9th business day after the day of your deposit. If institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. institution, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of these checks funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.‌ Under the Expedited Funds Availability Act (other than a U.S. Treasury checkReg. CC), funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of our employees, the first 5,525 will own or operate would not be available until the fifth business day after the date of your deposit. As a benefit of being a member of USPS FCU, the first $200 of your deposit will become available on the next business day and the remaining deposit will be available on the second business day after the day date of your deposit. Funds from all other check deposits This benefit is subject to change at any time. The first $200 of the funds (cash or checks) deposited at automated teller machines (ATMs) we own and operate will be available on the seventh next business day and the remaining deposit will be available on the second business day after the day date of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice All deposited items defined as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined Same Day Availability Items in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawndisclosure receive next day business availability.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will could apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For conditions – for example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits less than $5,000 will be available on the seventh fifth business day after the day of your deposit. For determining Check Endorsement Standards . You should be aware of special endorsement standards stated in Regulation CC of the availability Federal Reserve System. Failure to comply with these endorsement standards may make you responsible for loss resulting from a delay in return caused by endorsements that are not legible due to placement of your depositsendorsement or due to other printed or written text or numbers appearing on the back of the check. Check endorsements are to be wholly contained on the back of the check confined to the area within 1” from each item’s trailing edge, every day is a business dayi.e., except Saturdaysthe left edge of an item as you are looking at it from the front. Endorsements should be executed in black or dark blue ink. Collection of Checks Policy . The customer appoints the Bank as its agent for the collection of checks, Sundaysdrafts, and federal holidaysother orders for the payment of money, including orders for payment in clearinghouse funds and wire transfers that the customer deposits with us. If We will make the proceeds of these items available to the customer in accordance with our availability policy currently in effect. All credits for non-cash items received for deposit are provisional subject to final settlement. The Bank or any of its correspondents, as agent for the customer, may accept the draft or credit of any bank or other payer in lieu of cash. The Bank will exercise ordinary care in the handling of items of deposit and withdrawal per the standards and procedures established for the transaction involved. Deposited Check Returns . The Bank can charge back to your account any item deposited that is returned unpaid. We may do this even if you make have made withdrawals against those deposited checks. We may, at our discretion, send checks back for collection one or more times when they have been deposited to your account and returned unpaid. We have no liability for resubmitting these checks without notice to you. Governing Rules. From time to time, you may be a deposit before close on party to an Automated Clearing House (ACH) entry or an electronic funds transfer that may be posted to your account as a business day that we are opencredit or debit. With respect to ACH transactions, we will consider that day you agree to be bound by the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified rules and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement regulations of the IAT may be delayed or suspendedNational Automated Clearing House Association and any local clearinghouse used to affect such transactions, as those rules and may be terminated under applicable OFAC Rulesregulations are in effect from time to time. You also acknowledge that we may be required With respect to place an indefinite hold on other electronic funds covered by the IAT if the IAT is required transfers, you agree to be terminated under OFAC Rules. You agree that bound by any rules and regulations then in effect governing the use of any system through which such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks transfers are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnaffected.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 of a day's total deposits of cashier's, certified, teller's, traveler's's check, and federal, state and local government checks will be available on the next business day first Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and deposited in person to an employee of the Bank (and you may have to use a special deposit slip). The excess over 5,525 will be available on the seventh business day after the day of If your deposit. If deposit does not meet these conditions, funds from your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until to you no later than the second business day fifth (5th) Business Day after the day of your deposit. Funds from all other check deposits “Other Check Deposits,” as described above, will be available on to you no later than the seventh business day fifth (5th) Business Day after the day of your deposit. For determining If the Bank cashes a check for you drawn on another bank, the Bank may withhold the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability corresponding amount of funds held already in deposit accountsyour account. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of Those funds for deposits of foreign checks will be delayed for made available to you at the time it takes us to collect the funds from the financial institutions check cashed would have been available to you if you had deposited it. Holds On Other Funds (Other Account) If the Bank accepts for deposit a check that is drawn on another bank, the Bank may make funds from the deposit available for withdrawal immediately but delay your ability to withdrawal a corresponding amount of funds that you have on deposit in another account with the Bank. The funds in the other account would then not be available until the time periods that are described in this disclosure for the type of check you deposited. The Bank may refuse to accept or may delay availability on checks drawn on banks outside the United States (including checks drawn upon foreign HSBC affiliates) and on checks drawn in foreign currencies, convert the foreign check to USD and deposit as cash or handle such checks on a collection basis. Regardless of whether your foreign check is converted or processed on a collection basis, you understand and agree that you bear all exchange risk in the event of a returned item. If you want to avoid the exchange risk of a returned item, you can request that the item be processed on a collection basis for the applicable fee. If a check drawn on a bank outside of the United States uses a dollar sign (“$”) but does not indicate the check is drawn in U.S. Dollars, it will be processed as a check drawn in the currency of the country where the bank is located, e.g., a check drawn on a Canadian bank. You will bear the costs associated with any adjustments that must be made if the check should have indicated it was drawn in U.S. Dollars including exchange rate adjustments and fees assessed against the Bank by third parties related to the adjustment. You can avoid this risk by making sure that the issuer of the item clearly identifies checks payable in U.S. Dollars. We place certain limitations on withdrawals in cash. In general, $225 of a check deposit is available for withdrawal in cash on the first Business Day after the day of deposit. The Bank's funds availability policy does not affect your obligation to repay the Bank for checks that you deposit which are returned unpaid, nor does it limit the Bank's right to charge back your account or to obtain reimbursement for any check that is drawnnot finally paid for any reason.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 5:30 p.m. Monday-Wednesday and 6:00 p.m. Thursday and Friday on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. For determining Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. However, if you make a deposit after that time This rule does not apply at ATMs or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge ITMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate. You agree All ATM/ITMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountswe own or operate are identified as our machines. In the event an IAT is delayed or terminatedELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR MASTERCARD CHECK CARD, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. OUR AUDIO RESPONSE SYSTEM (foreign checks"XXXX ") cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnAND OUR ONLINE BANKING SYSTEM (“Online Banking”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will could apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's, ’s and federal, state state, and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For conditions – for example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits less than $5,000 will be available on the seventh fifth business day after the day of your deposit. For determining You should be aware of special endorsement standards stated in Regulation CC of the availability Federal Reserve System. Failure to comply with these endorsement standards may make you responsible for loss resulting from a delay in return caused by endorsements that are not legible due to placement of your depositsendorsement or due to other printed or written text or numbers appearing on the back of the check. Check endorsements are to be wholly contained on the back of the check confined to the area within 1 1/2” from each item’s trailing edge, every day is a business dayi.e., except Saturdaysthe left edge of an item as you are looking at it from the front. Endorsements should be executed in black or dark blue ink. The customer appoints the Bank as its agent for the collection of checks, Sundaysdrafts, and federal holidaysother orders for the payment of money, including orders for payment in clearinghouse funds and wire transfers that the customer deposits with us. If We will make the proceeds of these items available to the customer in accordance with our availability policy currently in effect. All credits for non-cash items received for deposit are provisional subject to final settlement. The Bank or any of its correspondents, as agent for the customer, may accept the draft or credit of any bank or other payer in lieu of cash. The Bank will exercise ordinary care in the handling of items of deposit and withdrawal per the standards and procedures established for the transaction involved. The Bank can charge back to your account any item deposited that is returned unpaid. We may do this even if you make have made withdrawals against those deposited checks. We may, at our discretion, send checks back for collection one or more times when they have been deposited to your account and returned unpaid. We have no liability for resubmitting these checks without notice to you. Governing Rules. From time to time, you may be a deposit before close on party to an Automated Clearing House (ACH) entry or an electronic funds transfer that may be posted to your account as a business day that we are opencredit or debit. With respect to ACH transactions, we will consider that day you agree to be bound by the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified rules and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement regulations of the IAT may be delayed or suspendedNational Automated Clearing House Association and any local clearinghouse used to effect such transactions, as those rules and may be terminated under applicable OFAC Rulesregulations are in effect from time to time. You also acknowledge that we may be required With respect to place an indefinite hold on other electronic funds covered by the IAT if the IAT is required transfers, you agree to be terminated under OFAC Rules. You agree that bound by any rules and regulations then in effect governing the use of any system through which such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks transfers are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnaffected.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 7th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new membercustomer, the following special rules will apply during the first 30 days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next first business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you You (and you You may have to use a special deposit slip). The excess over 5,525 $5,525.00 will be available on the seventh ninth business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first 5,525 $5,525.00 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your Your deposit. For determining Dividend Payment Policy. See the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made Account Disclosures section in this brochure for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first 30 thirty (30) days your account is open. : Funds from cash and electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $5,000 ($5,525 as of 7/1/2020) of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip, if applicable). The excess over $5,000 ($5,525 as of 7/1/2020) will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 ($5,525 as of 7/1/2020) will not be available until the second business busi- ness day after the day of your deposit. Funds from all other check deposits will be available on the seventh fifteenth business day after the day of your deposit. For determining (Longer hold periods may apply in certain situations.) The accrual of dividends is NOT delayed. Dividend calculations begin on the availability day of your depositsdeposit. Deposits at automated teller machines (ATMs) - Funds from any deposits (cash or checks) made at automated teller machines (ATMs) will generally be subject to a two (2) business day hold. It is the policy of Redstone Federal Credit Union (“the Credit Union, every day is a business dayCU, except Saturdayswe, Sundaysus, or our”) to comply with applicable laws and regulations, and federal holidaysto conduct business in accordance with applicable safety and soundness standards. A non-sufficient funds (negative) balance may result from: A) The payment of checks, ACH transactions, or other withdrawal requests; B) Automatic xxxx pay- ments authorized by you; C) The return, unpaid, of items deposited by you; D) The imposition of applicable service charges; or E) The deposit of items which according to the Credit Union’s Funds Availability Policy, are treated as not yet “available” or finally paid. If the Credit Union has received your “opt-in” or authorization, a non-sufficient funds (negative) balance may also result from: A) ATM transactions; and B) Every- day (one-time) debit card transactions. We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account (primar- ily used for business purpose) has been open for at least one hundred and eighty days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices, and depositing at least $50,000 or more in your account within each thirty (30) day pe- riod, (B) You are not in default on any loan obligation to the Credit Union, (C) You bring your account to a positive balance (not overdrawn) at least once every thirty (30) days (D) Your account must have a Visa debit card, and (E) Your account is not the subject of any legal or administrative order or levy, we will consider, with- out obligation on your part, approving your reasonable overdrafts. This discretion- ary* service will generally be limited to a $2,500 overdraft (negative) balance**. If your eligible account (primarily used for business purpose) has been open for at least one hundred and eighty days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices, and depositing at least $2,000 or more in your account within each thirty (30) day period, (B) You are not in default on any loan obligation to the Credit Union, (C) You bring your account to a positive balance (Not over- drawn) at least once every thirty (30) days (D) Your account must have a Visa debit card, and (E) Your account is not the subject of any legal or administrative order or levy, we will consider, without obligation on your part, approving your reason- able overdrafts. This discretionary* service will generally be limited to a $1,500 overdraft (negative) balance**. If your eligible account (primarily used for business purpose) has been open for at least one hundred and eighty days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices, and depositing at least $1,500 or more in your account within each thirty (30) day period, (B) You are not in default on any loan obligation to the Credit Union, (C) You bring your account to a positive balance (not over- drawn) at least once every thirty (30) days (D) your account must have a Visa debit card, and (E) Your account is not the subject of any legal or administrative order or levy, we will consider, without obligation on your part, approving your reason- able overdrafts. This discretionary* service will generally be limited to a $1,000 overdraft (negative) balance**. If your eligible account (primarily used for business purpose) has been open for at least ninety days and thereafter you maintain your account in good standing, which includes at least: (A) Continuing to make deposits consistent with your past practices, and depositing at least $800 or more in your account within each thirty (30) day period, (B) You are not in default on any loan obligation to the Credit Union, (C) You bring your account to a positive balance (not overdrawn) at least once every thirty (30) days (D) your account must have a Visa debit card, and (E) Your account is not the subject of any legal or administrative order or levy, we will consider, without obligation on your part, approving your reasonable overdrafts. This discretionary* service will generally be limited to a $500 overdraft (negative) balance**. Our customary fees and charges, including without limitation our non-sufficient funds/overdraft fees as set forth in our current fee schedules, will be included in these limits and will be charged for each non-sufficient funds (NSF) item that will or would overdraw your account including, but not limited to, Checks, Debit Drafts (paper), ACH Debits, Xxxx Pay Debits, and Redstone Federal Credit Union Teller Cashed Checks. If the Credit Union has received your “opt-in” or authorization, each ATM transac- tion or everyday (one-time) debit card transaction that will or would overdraw your account will also be subject to overdraft fees and will be included in the overdraft limits stated above. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our non-sufficient funds/ overdraft fees that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with one owner, or an account with more than one (1) owner and/or Officer/Agent on the signature card, each owner, and officer/agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our non-sufficient funds/ overdraft fees. Limitations: Available only to eligible Business Endeavor or Endeavor Plus checking accounts primarily used for business purposes. All Savings Type Ac- counts (business or personal/consumer), All Money Market Accounts, All Public Fund/Charitable Organization Accounts, Personal/Consumer Checking Accounts, Checking Trust Fund Accounts, and Minor Checking Accounts are not eligible. For information pertaining to Personal/Consumer Checking Account Over- draft Privilege, please refer to the Account and Electronic Services Agreement for personal/consumer accounts. Your checks made payable to any Owner/ Officer/Agent on the eligible Business Account, or to cash are not eligible for Business Overdraft Privilege. We may limit the number of accounts eligible for the Overdraft Privilege* service to one account per business membership. The Credit Union will decline any ATM transaction or everyday (one-time) debit card transaction that will or would overdraw your account unless you “opt-in” or autho- rize us to pay these types of transactions. *The Overdraft Privilege service does not constitute an actual implied agreement between you and the Credit Union. Nor does it constitute an actual or implied obligation of or by the Credit Union. This service represents a purely discretionary courtesy or privilege that the Credit Union may provide to you from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause. ** Some exceptions may apply Fee(s) may exceed stated balance. Rev 11/2017 CALL-24 ONLINE BANKING NOTICE. Please read these terms and conditions carefully. If you make a deposit before close on a business day use online banking or any other electronic service, you thereby indicate your consent to these terms and conditions. By consenting, you acknowledge that we you are openrequesting to obtain specific services and/or perform specific transactions We may revise this Agreement from time to time, as determined by the Board of Directors. You may print updated copies of this Agreement for your records at the Business Account and Electronic Services Agreement link located at the bottom of the Business Online Banking login screen or under the “About Us” tab located at xxxxx://xxx.xxxxxx.xxx. Any updated paper copies of this Agreement can be obtained by contacting our Member Contact Center at (000) 000-0000 (locally) or 0-000-000-0000. You may, at any time, withdraw your consent inside online bank- ing by selecting Online Statements from the Online Requests menu, then selecting the applicable account that you want to cancel the eStatement, then selecting the Cancel Services tab, and the selecting Yes, Confirm Delete. In order to receive or use the services addressed herein, we will consider that day to recommend your computer hardware and /or software meet the following specifications: must be the day latest versions of your depositWindows Internet Explorer, Mozilla Firefox and Google Chrome; or Apple Safari web browsers. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are openCertain other browsers and operating systems may also be compatible. International ACH Transactions (IAT) that are transmitted to or from any of your accounts There may be identified additional hardware or software requirements needed to access or use certain services. Please refer to the disclosure section for the service, located in this Agreement, to determine if additional hardware or software requirements are needed. Online banking, Call-24, Business Debit Card, Business Mobile Banking, and designated accompanying Personal Identification Numbers (PINs) listed in this Agreement are hereinafter referred to as “access devices.” To the extent permitted by us for review law, and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement in consideration of the IAT may be delayed or suspendedfinancial institution issuing you an access device, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.you

Special Rules for New Accounts. If you are a new membercustomer of MidFirst Bank, the following acting by and through its Vio Bank division, special rules will apply during the first 30 thirty (30) days your account Account is open. Funds from electronic direct deposits, cash deposits or wire transfers to your account Account will be available on the day Business Day we receive the deposit. Funds from deposits of cash, wire transfers, and the The first 5,525 $5,000.00* of a day's Business Day’s total deposits of cashier'sofficial, certified, teller'stellers, traveler'stravelers, and federal, state and local government checks will be available on the next business day first (1st) Business Day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00* will be available on the seventh business day ninth (9th) Business Day after the day of your deposit. If your deposit of on these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00* will not be available until the second business day (2nd) Business Day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day eleventh (11th) Business Day after the day of your deposit. For determining *Please note, effective July 1, 2020, the availability $5,000.00 will increase to $5,525.00. To make check processing faster, federal law permits banks to replace original checks with “Substitute Checks.” These Substitute Checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a Substitute Check states: “This is a legal copy of your depositscheck. You can use it the same way you would use the original check.” you may use a Substitute Check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be Substitute Checks. This notice describes rights you have when you receive Substitute Checks from us. The rights in this notice do not apply to original checks or to electronic debits to your Account. However, every day you have rights under other laws with respect to those transactions. In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a Substitute Check is posted to your Account incorrectly (for example, if you think that we withdrew the wrong amount from your Account or that We withdrew money from your Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your Account and fees that were charged as a business dayresult of the withdrawal (for example, except Saturdaysreturned check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the Substitute Check, Sundayswhichever is less. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing Account. If your loss exceeds the amount of the Substitute Check, and federal holidaysyou may be able to recover additional amounts under other law. If you make use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your Account earns interest) within ten (10) Business Days after we received your dispute notice and the remainder of your refund (plus interest if your Account earns interest) not later than forty- five (45) calendar days after we received your dispute notice. We may reverse the refund (including any interest on the refund and refunded fees) if we later are able to demonstrate that the Substitute Check was correctly posted to your Account. If you believe that you have suffered a deposit before close on loss relating to a business day Substitute Check that you received and that was posted to your Account, please contact us toll free at 000-000-0000. You must contact us within forty (40) calendar days of the date that we mailed the Substitute Check in question or the Account statement showing that the Substitute Check was posted to your Account, whichever is later. We may extend this time period if you were unable to provide a timely dispute notice because of extraordinary circumstances outside your control. Any dispute notice from you must include: (a) A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect). (b) An estimate of the total actual amount of your loss. (c) An explanation of why the Substitute Check you received is insufficient to confirm that you suffered a loss. (d) A copy of the Substitute Check and/or the following information to help us identify the Substitute Check: identifying information, for example the check number, the name of the person to whom you wrote the check, the amount of the check. If you have requested or authorized Overdraft Protect services or Overdraft credit services in your Agreement or otherwise, such services are opensubject to the terms and conditions contained in this Agreement, the Fee Schedule, and your signed Overdraft Protect Agreement and Authorization. By requesting Overdraft Protect services or Overdraft credit services, you authorize and direct us, as your agent, until your authorization is revoked in writing and delivered to us, to effect the automatic transfer of funds from the Transferor Account or designated credit service to the Transferee Account, as identified in the Overdraft Protect Agreement and Authorization, provided the automatic transfer of funds will cover the entire Overdraft amount in the Transferee Account, as well as the associated Overdraft Protect transfer fee, except if such action violates state or federal regulation. You represent that you have an ownership interest in and are authorized to withdraw funds from each of such Accounts. If one (1) or more items are presented to us and the Transferor Account does not contain sufficient funds or sufficient credit is not available to cover the entire Overdraft amount caused by all of the items presented as well as the Overdraft Protect transfer fee, no transfer will occur and you may be assessed the current Overdraft fee(s). We reserve the right to not make any particular transfer. You may, at any time, cancel Overdraft Protect services or Overdraft credit services. Notification of cancellation must be received in writing at least ten (10) days before the effective date of cancellation. Notification should be mailed to Vio Bank, Attention: Overdraft Protect, X.X. Xxx 00000, Xxxxxxxx Xxxx, Xxxxxxxx, 00000. Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some, but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product(s) or service(s) you have with us. This information can include: • Social Security number and checking account information • Account balances and transaction history • Credit scores and credit history When you are no longer our customer, we will consider that day may continue to be the day of share your depositinformation as described in this notice. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted All financial companies need to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required share customers’ personal information to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountsrun their everyday business. In the event an IAT is delayed or terminatedsection below, we will provide list the reasons financial companies can share their customers’ personal information, the reasons Vio Bank chooses to share, and whether you such notice can limit this sharing. For our everyday business purposes Such as may be to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes To offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes Information about your transactions and experiences No We don’t share For our affiliates’ everyday business purposes Information about your creditworthiness No We don’t share For nonaffiliates to market to you No We don’t share Call 000.000.0000 or go to xxxxxxx.xxx What we do How does Vio Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Third parties who assist Vio Bank by providing services are required by applicable contract to protect nonpublic personal information from unauthorized access. How does Vio Bank collect my personal information? We collect your personal information, for example, when you: • Open an account • Apply for a loan • Pay your bills • Use your credit or debit card • Make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only: • Sharing for affiliates’ everyday business purposes–information about your creditworthiness • Affiliates from using your information to market to you • Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. Checks drawn on Definitions Affiliates Companies related by common ownership or control. They can be financial institutions located outside the U.S. (foreign checks) canand nonfinancial companies. • Vio Bank does not share with our affiliates. Nonaffiliates Companies not related by common ownership or control. They can be processed the same as checks drawn on U.S. financial institutionsor nonfinancial companies. Foreign checks are exempt from the policies outlined in this disclosure• Vio Bank does not share with nonaffiliates so they can market to you. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to collect the funds from the financial institutions upon which it is drawnyou. • Our joint marketing partner includes an investment services company.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the next business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will be available on the seventh 7th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first 5,525 $5,525.00 will not be available until the second 2nd business day after the day of your Your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining the availability Location of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysCheck Endorsements. If you make a deposit before close on a business day that we are open, we will consider that day Federal law requires all check endorsements to be in the day first 1-1/2 inches of your depositthe trailing edge of the back of the check. HoweverThe trailing edge is opposite the left side of the face of the check, if you make a deposit after the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that time or on a day we are do not open, we will consider that comply with the deposit was made endorsement standards. Dividend Payment Policy. See the Account Disclosures section in these Agreements and Disclosures for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s checks, certifiedcertified checks, teller's’s checks, traveler's’s checks, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000 will be available on the seventh ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second (2nd) business day after the day of your deposit. Funds from all other check deposits will be available on the seventh eleventh (11th) business day after the day of your deposit. For determining HOLDS ON OTHER FUNDS If we cash a check(s) for you that is drawn on another Financial Institution, we may withhold the availability of a corresponding amount of funds that are already in your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysaccount. If Those funds will be available at the time funds from the check we cashed would have been available if you make a deposit before close on a had deposited it. DEPOSITS AT AUTOMATED TELLER MACHINES Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day that we are open, we will consider that day to be after the day of your deposit. However, if you make a deposit after This rule does not apply at ATMs that time we own or on a day we are not open, we will consider that operate. SPECIAL ENDORSEMENT STANDARDS The Federal Law regarding funds availability requires the deposit was made Financial Institution’s endorsement area on the next business day we are openback of a check be kept clear or unobstructed. International ACH Transactions This rule is designed to prevent unnecessary delays in processing your deposits as well as to promote speedier returns of dishonored checks. Only the 1-1/2 inch space from the “trailing edge” (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement left edge of the IAT may check when it is facing you) can be delayed used by you for endorsements or suspended, and may any other markings. We will not be terminated under applicable OFAC Rules. You also acknowledge responsible for any damages incurred in the event you deposit an item that we may be required to place an indefinite hold on funds covered is subsequently returned unpaid by the IAT if paying bank and that return is “late” due to markings on the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under check caused by you or a prior endorser on the laws applicable to back of the availability of funds held in deposit accountscheck. In the event that you draw a check on your Checking or Loan Account with us, you are responsible for any delay or misrouting of the check caused by markings placed on the check by you that obscure any depository endorsements placed by us or our agent and you agree to hold the Credit Union harmless and indemnify us from any liability due to such delay or misrouting. Internal Controls and Audit. SnapDeposit deposit limits may change at any time without any prior notification. Finex Credit Union reserves the right to revoke this service, reject or adjust any deposits upon submission of the scanned items. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an IAT is delayed or terminated, we will provide original check I transmit to you such notice as may be required by applicable law. Checks drawn on financial institutions located outside utilizing the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.Services:

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. For determining the availability of your deposits, every day Monday through Friday is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 11:59 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new member, the following special rules followingspecialrules will apply during applyduring the first 30 days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, ,the checks must be mustbe payable to you (and you may have to use a special deposit slip)You. The excess over $5,525 will be available on the seventh business day after 9th businessdayafter the day of your Your deposit. If your Your deposit of these checks (other than otherthan a U.S. Treasury checkTreasurycheck) is not made in person to one of our employees, the first $5,525 will not be available until the second 2nd business day after dayafter the day of your Your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysATM Deposits. If you You make a an ATM deposit before close prior to 3:00 p.m. PST on a business day that we We are open, we We will consider that day to be the day of your Your deposit. However, if you You make a an ATM deposit after that time 3:00 p.m. PST or on a day we that We are not open, we We will consider that the deposit was made on the next business day we We are open. International ACH Transactions For deposits made at Automated Teller Machines (IATATMs) that are transmitted to or from any of your accounts may be identified owned and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered operated by the IAT if Credit Union, deposits subject to delayed availability will become available for withdrawal on the IAT is required 1st business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated bythe Credit Union, deposits subject to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the delayed availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.will

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to into your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh tenth business day after the day of your deposit. For determining Thumb Bank & Trust Bank Regulation E "Electronic Funds Transfer Act" Error Resolution Applicability: The following Regulation "E" (Electronic Fund Transfer Act) disclosure was provided to you when you opened an account that may have electronic transactions conducted (e.g. ATM or Debit Card or Automatic Deposit). This disclosure is also provided in this Agreement to inform you how to contact us in the availability of event you detect an error has occurred when viewing your depositsaccount(s) transaction statements while viewing online through online banking. Remember, every day is a business daywhen viewing accounts, except Saturdaysor conducting transfers from one account to another, Sundays, the accounts are "real time". This means that deposits and federal holidays. If you make a deposit before close transactions that occurred prior to your viewing should be reflected on a business day that we are open, we will consider that day to be the day of your depositonline banking. However, some transactions such as a transfer from checking account to pay down an Overdraft Protection line, loan payments, advances or a transaction completed at an ATM may not reflect until the 24 hour "update" has occurred on our data processing system. In Case of Errors or questions about your electronic transfers, call or write us at the phone number, mailing address or email address listed on our website and available through online banking and email section of this Agreement. Inform us as soon as possible, if you make think your statement or receipt is wrong or if you need more information about a deposit after that time or on a day we are not open, we will consider that the deposit was made transfer listed on the next business day statement or receipt. We must hear from you no later than 60 days after we are open. International ACH Transactions (IAT) that are transmitted to sent the FIRST statement on which the problem or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnerror appeared.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your account is openopened. Funds from electronic direct deposits to your account account, excluding External Funds Transfers, will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh first business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on no later than the seventh business day second Business Day after the day of your deposit. For determining I acknowledge that I have read and or printed a copy of this Funds Availability Disclosure Agreement and agree to abide by the availability terms of your deposits, every day is the Agreement. This Agreement sets out the terms and conditions (Terms) upon which Avidia Bank (Bank) will provide the ability to perform external funds transfers and serves as a business day, except Saturdays, Sundays, legally binding agreement between you and federal holidaysthe Bank. . If you make a deposit before close on a business day that we are opendo not accept and agree to all of the Terms, we you will consider that day not be entitled to be use the day external transfer funds feature. The Bank reserves the right to change the Terms, under which the external funds transfer feature is offered at any time; however, the Bank will notify you of your depositany material change to the Terms. HoweverIn most cases, if you make a deposit after that time or on a day we are not open, we will consider that receive the deposit was made on notice on-line the next business day we are open. International ACH Transactions (IAT) that are transmitted time you log in; however, the Bank reserves the right to notify you by e-mail or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a caseconventional mail, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesin its discretion. You agree that if you continue to use the external funds transfer feature after we notify you of any such delay is permissible under change, you thereby accept the laws applicable changes to the availability of Terms and agree to be bound by this Agreement, as amended. If at any time you wish to discontinue using the external funds held in deposit accountstransfer, you can unsubscribe by sending the Bank an e-mail to XXX@xxxxxxxxxx.xxx or call us at 0-000-000-0000. In the event If your Bank account associated with an IAT is delayed external transfer has been closed you will have no further right or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in access to use this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnfeature.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first 5,525 of a day's total deposits $5,000 of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next first business day after of the day of your deposit if the deposit meets certain conditions. For criteria (for example, the checks check must be payable to you (and you may have to use a special deposit slipyou). The excess over 5,525 will $5,000 may not be available on until the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may not be available on until the seventh ninth business day after the day of your deposit. For determining The first $200 of the availability of your deposits, every funds from any deposits (cash or checks) made at ATMs we do not own or operate will be available on the business day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a the deposit, the rest of the funds will not be available until the fifth business day that we are open, we will consider that day to be after the day of your deposit. However, if If we own or operate the ATM the first $200 of the funds from any deposits (cash or check) made will be available on the business day you make a deposit after that time or on a day we are the deposit, the rest of the funds will not open, we will consider that the deposit was made on be available until the next business day. However, funds may not be available until the second business day we are open. International ACH Transactions (IAT) that are transmitted to or from any after the day of your deposit. To locate one of our ATMs visit xxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxx. The rates and terms applicable to your account with us are provided in this Truth-In-Savings Disclosure. We may offer other rates for these accounts may be identified from time to time. Except as specifically described, the following disclosures apply to all of the accounts. The Truth-In-Savings Act allows for the change in terms of share accounts as long as 30 day advance notice is given. The dividend rate and designated annual percentage yield on your accounts are set forth in the Rate Schedule as of the effective date shown. To view our most current rates visit our website at xxxxxxxxxxxxxxxxxx.xxx/xxxxx. We reserve the right to change the dividend rate and annual percentage yield at any time for all accounts except certificates. The rates are determined by us for review and examination under the Office of Foreign Assets Control Rules and Regulations Management Asset Liability Committee (OFAC RulesMALCO). In such a caseAll accounts except CashBack checking and Certificate accounts are tier rate accounts. The stated dividend rate that corresponds to the applicable deposit tier will apply to the full balance in the account. For all certificate accounts except the Bump-Up certificate, settlement the dividend rate and annual percentage yield are fixed and will be in effect for the term of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnaccount.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first 30 thirty (30) days your that my account is open. opened: • Funds from electronic direct deposits to your my account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, and traveler's, ’s checks and federal, state state, and local government checks will be available on the next first business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to you (me and you may have to use a special deposit slip). The the excess over of more than $5,525 will be available on the seventh ninth business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 will not be available until the second business day after the day of your my deposit. • Funds from all other check deposits will be available on no later than the seventh business 9th calendar day after the day of your my deposit. For determining Rights Reserved You reserve the availability right to: • Accept or reject any check presented; • Revoke any settlement with respect to a check accepted by you, and to charge back to my account the amount of the check based on the return of the check or a receipt of notice of non-payment of the check, or claim a refund for such credit; and • Require that the space reserved for endorsement by you on the back of any check accepted for deposit be free and clear of any prior markings or endorsements. You may amend this Funds Availability Policy from time to time. I will receive written notice as required by law. SECTION IV: CHECK PROCESSING, INCLUDING CHECK 21—SUBSTITUTE CHECKS Checks, drafts, and other negotiable instruments, including substitute checks (collectively “checks”) deposited to my account or cashed, automated clearinghouse (ACH) entries, and all other types of external and book-entry funds transfers (checks and funds transfers collectively referred to herein as “items”) may be charged back against the account (or an account for split deposits) or any other account of mine with you if you are informed that the item is being or has been returned unpaid (or for checks drawn on other accounts with you, the check is dishonored by you for any reason), without regard to whether such return or dishonor is timely. When a deposited or cashed item is returned, I will be charged a fee as disclosed in your depositsServices and Schedule of Fees. You may charge my account whether or not the check is returned to you and whether or not you can return the item or a copy to me. Even if you verify a deposited or cashed check and tell me that the check has been paid, every that will not release my liability as an endorser. This right shall extend to any check or other item deposited into my account or cashed that is finally paid and then is returned because a claim is made that the check or other item was altered, forged, unauthorized, has a missing signature, or should not have been paid for any reason. In lieu of charging my account, you may withhold an amount equal to such check or other item from my account until a final determination of the validity of such claim has been made. You have no duty to return a check that has been charged back to an account if that account has become overdrawn. You are not required to give me next-day notice if a deposited or cashed item is dishonored. Any check deposited to my account that lacks an endorsement may be, or may be deemed to be, endorsed by you on my behalf with exception of government-issued checks. With respect to any such check, my rights and my liabilities shall be determined as though I actually endorsed and deposited the item. Further, any check deposited to my account that bears my stamped or facsimile endorsement shall be deemed to bear my actual endorsement whether such endorsement was affixed by me or by someone having no authority to supply my endorsement. I agree to assume responsibility for and to indemnify you for any loss you may incur as a result of my failure to comply with the endorsement standards set forth in this Agreement. If I deposit a remotely created check, I guarantee that the check was authorized by the account holder for payment in the amount shown. Remotely created checks are created when an account holder authorizes a payee to draw a check on the account, but instead of the account holder’s actual signature, the check identifies that the account holder authorized the check. You will accept deposits based solely on account numbers listed, and you are not responsible for verifying the name(s) listed on the checks or associated with the account. You may return or refuse to accept all or any part of a deposit or credit to my account at any time and will not be liable to me for doing so even if such action causes outstanding items to be dishonored and returned. Returned or refused deposits (or the legal equivalent of the deposited item) will be returned to me. In addition, I will be solely responsible for any loss or liability you sustain in connection with the deposit of substitute checks. You will not give me next-day notice of receipt of an electronic deposit to my account but will provide such notice to me on my next periodic account statement. I may call you to confirm an ACH or wire transfer deposit. Substitute Checks Federal law permits financial institutions to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states, “This is a business daylegal copy of my check. I can use it the same way I would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that I receive back from you may be substitute checks. This notice describes rights I have when I receive substitute checks from you. The rights in this notice do not apply to original checks or to electronic debits to my account. However, except SaturdaysI have rights under other laws with respect to those transactions. In certain cases, Sundaysfederal law provides a special procedure that allows me to request a refund for losses I suffer if a substitute check is posted to my account (for example, if I think that you withdrew the wrong amount from my account or that you withdrew money from my account more than once for the same check). The losses I may attempt to recover under this procedure may include the amount that was withdrawn from my account and federal holidaysfees that were charged as a result of the withdrawal (for example, overdraft check fees). The amount of my refund under this procedure is limited to the amount of my loss or the amount of the substitute check, whichever is less. I am entitled to dividends on the amount of my refunds if my account type earns dividends. If you use this procedure, I may receive up to $2,500 of my refund (plus dividends if my account earns dividends) within ten (10) business days after you received my claim and the remainder of my refund (plus dividends if my account earns dividends) not later than forty-five (45) calendar days after you received my claim. You may reverse the refund (including any dividends on the refund) if you later are able to demonstrate that the substitute check was correctly posted to my account. Making a Refund Claim If I believe that I have suffered a loss relating to a substitute check that you received and that was posted to my account, I should contact you at 800.XFCU.222 (000.000.0000). I must contact you within forty (40) calendar days of the date that you mailed (or otherwise delivered by a means to which I agreed) the substitute check in question or the account statement showing that the substitute check was posted to my account, whichever is later. You will extend this time period if I was not able to make a timely claim because of extraordinary circumstances. My Claim Must Include: • A description of why I have suffered a loss (for example, I think the amount withdrawn was incorrect). • An estimate of the amount of my loss. • An explanation of why the substitute check you received is insufficient to confirm that I suffered a loss. • Information to help you identify the substitute check: the check number, the name of the person to whom I wrote the check, and the amount of the check. My compliance with your endorsement standards is necessary to help assure that the checks you deposit before close will be cleared on a business day timely basis. Your endorsement standards are: • Member endorsements must be placed in the 11/2-inch area starting at the left side of the check. • The remaining area of the check cannot contain any preprinted, stamped, or handwritten member information. (The diagram below illustrates where the endorsements must appear to comply with these endorsement standards.) Record Retention You shall abide by federal and applicable state record retention laws and may dispose of any records that we are openhave been retained or preserved for the period set forth in these laws. Any action by or against me based on, we will consider or the determination of which would depend on, the contents of records for which a period of retention or preservation is set forth in these laws shall be brought within the time for which the record must be retained or preserved, unless applicable law provides a shorter limitation period. Any action against me on an automatically renewable share certificate account must be brought within the retention period applicable to that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made share certificate account based on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified stated maturity date in the most recent record evidencing the existence and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement term of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnshare certificate account.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from “electronic direct deposits fund transfers” to your account will may not be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available avail- able on the next first “business day day” after the day of your deposit if the deposit deposits meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000.00 will be available on the seventh ninth “business day day” after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until no later than the second “business day day” after the day of your deposit. Funds from all other check deposits will be available on no later than the seventh ninth “business day day” after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply. For determining Financial Plus Credit Union owns and operates many of its own ATMs. These are clearly identified as Financial Plus Credit Union ATMs and can be found at any of our offices, in many of the General Motors facilities the Credit Union serves, and several retail sites. We will keep you informed of changes and additions to these locations. All deposits made into an ATM after 12:00 noon on weekdays and anytime on Saturdays, Sundays or holidays observed by the Credit Union will be considered received the next “business day” we are open. Our policy is to allow availability of your deposits, every day is a funds deposited into Financial Plus Credit Union’s ATMs by the next “business day, except Saturdays, Sundays, and federal holidays” after we receive your deposit. If you make a deposit before close on a funds into your Credit Union accounts through another ATM, one not owned and operated by the Credit Union, whether cash or check, the funds may not be available for up to five “business day that we are open, we will consider that day to be days” following the day of your the deposit. However, if you make a deposit all ATM deposits are subject to the same conditions and exceptions referred to in the “Longer Delays May Apply” and “Special Rules for New Accounts” sections of this Agreement. Our “business days” are Monday through Friday, excluding New Year’s Day, Xxxxxx Xxxxxx Xxxx, Xx. Day, President’s Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, the Friday after that time or Thanksgiving Day, Christmas Day, and on a the last weekday preceding Christmas and New Year’s Day, and on any day designated for their observance. If we are not openchange our “business days”, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement notify you of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held change in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnadvance.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 3rd business day after the day of your deposit. For determining the availability of your depositsTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, every day is a business daySUBJECT TO THE TERMS OF THIS AGREEMENT, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREE TO BY SIGNING THE WIRE TRANSFER AGREEMENT AT THE TIME OF YOUR WIRE TRANSFER REQUEST.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the date of deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 from next-day items will be available on the seventh ninth business day after the date of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. If New accounts do not receive $225 same day availability. Use of our affiliated Shared Branches is restricted for the first 30 days after your account is open. Shared Branch Availability Policy Disclosure: Shared Branch locations are defined as those offices where members of Credit Unions are able to perform transactions to their Credit Union account. The policy for deposits made at a Shared Branch location is to make funds from your deposits available to you on the same business day your deposit is received. A deposit made at a Shared Branch location is considered received when it is accepted with all appropriate endorsements. For determining the availability of these checks (other than your deposits, every day is a U.S. Treasury check) business day that the Credit Union is open which may differ from the days the Shared Branch location is open. If you make a deposit on a day the Credit Union is open, that day will be considered the day of deposit. However, if you make a deposit at a Shared Branch location on a day the Credit Union is not open, your deposit will be considered made in person on the next business day the Credit Union is open. Longer Delays May Apply: In some cases, all of the funds that you deposit by check will not be available to one you on the same business day you make the deposit. Depending upon the type of our employeescheck you deposit, the first 5,525 will funds may not be available until the second business day after the day of your deposit. Funds from all other check However, the first $225 of your deposits will be available on the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a same business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a the day's ’s total deposits of cashier's’s, certified, teller'stellers, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5000.00 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkchecks) is not made in person to one of our employees, the first 5,525 $5000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. For determining Funds from any deposits (cash or checks) made at an automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. HoweverThis rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. We place certain limitation on withdrawals in cash. In general, if you make $225.00 of a deposit after that time or on a day we are not open, we will consider that is available for withdrawal in cash by the deposit was made on the next first business day we are openafter the day of deposit. International ACH Transactions (IAT) that are transmitted Any remaining funds up to or from any of your accounts may $5,525.00 will be identified and designated by us available for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered withdrawal in cash by the IAT if following business day, subject to branch cash availability. Typically, the IAT Credit Union will not allow cash withdrawals in excess for $5,000.00 on any given day for the safety and security of our members and employees. Any funds above and beyond $5,000.00 that is required to withdrawn in cash must be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability order ahead of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide time and you such notice as may be required by applicable lawmust sign a Large Cash Waiver form. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions institution upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 will be available on the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 5:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the next business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will be available on the seventh 7th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,525.00 will not be available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining the availability Location of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysCheck Endorsements. If you make a deposit before close on a business day that we are open, we will consider that day Federal law requires all check endorsements to be in the day first 1-1/2 inches of your depositthe trailing edge of the back of the check. HoweverThe trailing edge is opposite the left side of the face of the check, if you make a deposit after the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that time or on a day we are do not open, we will consider that comply with the deposit was made endorsement standards. Dividend Payment Policy. See the Account Disclosures section in these Agreements and Disclosures for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Personal Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that we may use subsequent deposits and other credits to the account, including without limitation deposits of government, welfare, retirement and Social Security benefits, to cover any such delay overdraft existing in your account, to the fullest extent permitted by law. Each account owner is permissible jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. 22 PERSONAL BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 23 PERSONAL BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ELECTRONIC BANKING AGREEMENT SUMSM PROGRAM Cambridge Trust Company is a member of the SUMSM Program. Additional ATM surcharges will not be imposed on Cambridge Trust clients who use their cards at SUM- designated ATMs. However, Cambridge Trust does impose an ATM network fee for transactions at non-Cambridge Trust Company ATMs except as noted under the laws applicable Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX Provide client name and account number Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, $2.50 monthly, per account International Mailing Address Instruction paper statements, monthly, per account $5 Stop Payment $30 Treasurer’s check: Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to the availability $50 Bill paying (per manual payment) $20 Access to bulk storage (per visit) $10 Wire transfer Wire trans domestic $30 Wire trans intrl $45 Wire trans incoming $12 International draft $40 Account closing early(within six months of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checksopening) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability $50 Bond coupons returned unpaid $20 Check printing variable Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.total MasterCard® International Assessment Fee 2% of

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Share draft accounts are the next most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from your check deposits available to you on the second business day after the day we receive your deposit, with the first $200 available on the first business day after the day of your deposit. Electronic direct deposits will be available on settlement date of the deposit. the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. For determining Cash, wire transfers, and some specified check deposits will also be available before the availability of your deposits, every day is a second business day, except Saturdaysas detailed below. Once the funds are As our member we think it's important for you to know about substitute checks and the new Check 21 Act. As a result, Sundayswe want to advise you that you may begin to see differences when you receive your account statement, or request a copy of your original check for proof of payment. Accelerated check processing also means a reduction in the so-called "float" time - the amount of time between the writing and the cashing of a check. You may begin to see your checks clearing faster than they have in the past. The following Substitute Check Disclosure provides information about substitute checks and your rights. So you will recognize a substitute check when you receive one, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components. To make check processing faster, federal holidayslaw permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Dort Federal Credit Union P.O. Box 1635 Flint MI 48501 000-000-0000 / Toll Free 000-000-0000 You must contact us within 60 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a deposit before close on timely claim because of extraordinary circumstances. Yourclaim mustinclude f ◆ A description of why you have suffered a business day that we are openloss (for example, we will consider that day to be you think the day amount withdrawn was incorrect); ◆ An estimate of the amount of your depositloss; ◆ An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and ◆ A copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and the name of the person to whom you wrote the check. However, if you make a deposit after that time or on a day we are not open, we will consider that These numbers correspond with the deposit was made numbers on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement Substitute Check Image: 1 An image of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by original check appears in the IAT if upper right-hand corner of the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnsubstitute check.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler'stellers, and federal, state state, and local government checks will be available on the next 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,000.00 will be available on the seventh 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining This Wire Transfer Agreement applies to wire transfers that are not “Remittance Transfers” as defined in the availability Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the payment of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidayswire transfer requests. If you make a deposit before close on a business day that we are openmore than one Account(s) is designated, we will consider that day to be We may charge any of the day designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or funds from any of your accounts Your designated Accounts with Us to another account You have with Us, to any other financial institution, or to a third party or account of a third party maintained with Us or any other financial institution. There are no restrictions or limitations on the amounts which may be identified and designated by us for review and examination under ordered or requested, or on the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement location or address of the IAT beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is named, any one of them may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We are not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be delayed treated as if received on the following business day. We have no obligation to accept or suspendedexecute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach You by telephone, and We may be terminated under applicable OFAC Rulesat Our option give You notice of rejection in writing. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. If We accept a wire transfer request consistent with this Agreement, You agree that any such delay is permissible under the laws applicable transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the availability of funds held in deposit accountstime that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. In the event an IAT is delayed You agree to re-execute this Agreement or terminated, we will provide you such notice as to execute a new agreement if changes are necessary. Your application for membership designates any Account which may be required charged in relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for membership. All modifications or additions to Your application for membership must be in writing. You agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or obligations to Us. You understand and agree that the payment of a wire transfer request may be made by applicable lawUs or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. Checks drawn You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the intermediary or beneficiary's financial institutions located outside institution which You have provided as the U.S. (foreign checks) cannot be processed proper identification of the same as checks drawn on U.S. intermediary or beneficiary's financial institutions. Foreign checks are exempt institution, even if the number identifies a financial institution different from the policies outlined in this disclosureone You intended to identify. Generally, the availability of funds We or any other financial institution are not responsible for deposits of foreign checks determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be delayed liable to Us for the time it takes us amount of any transfer request even if payment of the transfer request is made to collect the funds a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institutions upon institution different from the one identified by name based on the identifying number which it is drawnYou have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a transfer request described in such statement or confirmation.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first 30 thirty (30) days your account is open. You will be notified if this section is applicable to your account. Funds from electronic direct deposits to your account will may not be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits deposit of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit s) meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000.00 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on by the seventh ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply. For determining Financial Plus Federal Credit Union owns and operates many of its own automated teller machines. These are clearly identified as Financial Plus Federal Credit Union machines and can be found at any of our offices, in many of the availability General Motors facilities the Credit Union serves, and several retail sites. We will keep you informed of your deposits, every day is a business day, except changes and additions to these locations. All deposits made into an automated teller machine after 12:00 noon on weekdays and anytime on Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we Sundays or holidays will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on considered received the next business day we are open. International ACH Transactions (IAT) that are transmitted Our policy is to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the allow availability of funds held deposited into Financial Plus Federal Credit Union’s automated teller machines by the next business day after we receive your deposit. If you deposit funds into your Financial Plus Federal Credit Union accounts through another automated teller machine, one not owned and operated by Financial Plus Federal Credit Union, whether cash or check, the funds may not be available for up to five business days following the day of the deposit. However, all automated teller machine deposits are subject to the same conditions and exceptions referred to in deposit accountsthe “Longer Delays May Apply” and “Special Rules for New Accounts” sections of this Agreement. In Our business days are Monday through Friday, excluding New Year’s Day, Xxxxxx Xxxxxx Xxxx, Xx. Day, President’s Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, the event an IAT is delayed or terminatedFriday after Thanksgiving Day, Christmas Day, and on the last weekday preceding Christmas and New Year’s Day, nor on any day designated for their observance. If we change our “business days,” we will provide notify you such notice as may be required by applicable law. Checks drawn on financial institutions located outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined change in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnadvance.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until the second business day after the day Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day This rule does not apply at ATMs or ITMs that we are open, we will consider that day to be the day of your depositown or operate. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge All ATM/ITMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate are identified as our machines. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountsELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. In the event an IAT is delayed or terminatedIT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR MASTERCARD CHECK CARD, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. OUR AUDIO RESPONSE SYSTEM (foreign checks"XXXX ") cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnAND OUR ONLINE BANKING SYSTEM (“Online Banking”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,000 will be available on the seventh 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 11th business day after the day of your Your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysATM Deposits. If you You make a an ATM deposit before close prior to 2:30 p.m. PST on a business day that we We are open, we We will consider that day to be the day of your Your deposit. However, if you You make a an ATM deposit after that time 2:30 p.m. PST or on a day we that We are not open, we We will consider that the deposit was made on the next business day we We are open. International ACH Transactions For deposits made at Automated Teller Machines (IATATMs) that are transmitted to or from any of your accounts may be identified owned and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered operated by the IAT if Credit Union, deposits subject to delayed availability will become available for withdrawal on the IAT is required 1st business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated by the Credit Union, deposits subject to be terminated under OFAC Rulesdelayed availability will become available for withdrawal on the 3rd business day following the day of deposit. You agree All ATMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed We own or terminated, we will provide you such notice operate are identified as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnOur machines.

Special Rules for New Accounts. If you are a new membercustomer, the following special spe- cial rules will may apply during the first 30 days your the account is open. Funds from electronic direct deposits to your account will be are available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 (first $5,525 as of July 1st, 2020) of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be are available on no later than the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have deposited in person to use a special deposit slip)one of our employees. The excess over $5,000 (first $5,525 will be as of July 1st, 2020) is available on by the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 (first $5,525 as of July 1st, 2020) will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be are generally available on by the seventh ninth business day after the day of your deposit. For determining However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above). Government Checks, Cashier’s Checks and Other Special Types of Checks‌‌‌‌‌ Our policy is to make funds from U.S. Trea- sury checks that are payable to you available no later than the availability first business day after the day of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysthe deposit. If you make a the deposit before close on a in person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit: • State and local government checks that we are openpayable to you and are deposited in an account in the same jurisdiction that issued the check. • Cashier’s, we will consider certified and teller’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service money orders that are payable to you. • Checks drawn on Patriot Bank, N.A. that are payable to you. If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day to be after the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold longer holds on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any certain items for other reasons, such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. large deposits (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnsee Longer Delays May Apply above).

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. For determining the availability of your deposits, every day Monday through Friday is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 11:59 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's, ’s traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000.00 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. For determining Deposits at Nonproprietary Atms – Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. However, if you make a deposit after that time or on a day we are This rule does not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge apply at ATMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate. You agree All ATMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountswe own or operate are identified as our machines. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Foreign Checks – Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits deposit of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new member, the The following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. For determining Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. However, if you make a deposit after that time or on a day we are This rule does not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge apply at ATMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate. You agree All ATMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountswe own or operate are identified as our machines. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable lawForeign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosureDisclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. Foreign checks are subject to a processing fee. Refer to the separate Rate and Fee Schedule for current fees. ELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD, DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("e-Voice"), ONLINE BANKING SYSTEM (“Silver Connect”) AND OUR XXXX PAY SERVICE (“e-Pay”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, 's and federal, state state, and local government checks will be available on the next business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will not be available on until the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available on no later than the seventh 9th business day after the day of your Your deposit. For determining the availability of your depositsFurther delays may apply. THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A TRANSFER OF FUNDS FROM OR TO YOUR SHARE OR SHARE DRAFT ACCOUNTS ("ACCOUNT") WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, every day is a business daySUBJECT TO THE TERMS OF THIS AGREEMENT, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY REQUESTING A WIRE TRANSFER OR BY SIGNING YOUR SIGNATURE CARD WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Personal Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that we may use subsequent deposits and other credits to the account, including without limitation deposits of government, welfare, retirement and Social Security benefits, to cover any such delay overdraft existing in your account, to the fullest extent permitted by law. Each account owner is permissible jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. PERSONAL BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. PERSONAL ONLINE BANKING Stop Payment $30 SUMSM PROGRAM Treasurer’s check: Cambridge Trust Company is a member of the SUMSM Client $5 Program. Additional ATM surcharges will not be imposed Non-client $7 on Cambridge Trust clients who use their cards at SUM- Bank money order $2 an ATM network fee for transactions at non-Cambridge Research: hourly fee $25 Trust Company ATMs except as noted under the laws applicable Escheatment fee $100 Relationship Accounts and Checking Accounts section. Levy/attachment processing fee up to the availability $50 INCOMING WIRE INSTRUCTIONS Bill paying (per manual payment) $20 Wire to: Access to bulk storage (per visit) $10 Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Wire transfer Wire trans domestic $30 Cambridge, MA 02138 USA ABA Routing Number: 0000-0000-0 Wire trans intrl Wire trans incoming $45 $12 Online banking and bill payment are free of charge. International Mailing Address Instruction paper statements, monthly, per account $5 designated ATMs. However, Cambridge Trust does impose Provide client name and account number Debit replacement card $5 International draft $40 Account closing early $50 (within six months of opening) Bond coupons returned unpaid $20 Check printing variable Returned deposited check fee $6.50 $0-$25 Free Expedited card replacement $40 $26-$100 $5 Insufficient funds held in deposit accounts. In the event an IAT is delayed or terminated- returned item fee $35 $101-$500 $15 Coin counting Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds on 18/65 account $5 Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generallymonthly, the availability per account $2.50 Paper Statement instruction fee $2.00 MasterCard® International Assessment Fee 2% of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.ELECTRONIC BANKING AGREEMENT

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account Account is open. Funds from electronic direct deposits to your account Account will be available on the day we receive the deposit. Funds from deposits of such as cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks or drafts will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks or drafts must be made payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 will be available on the seventh (9th) business day after the day of your deposit. If your deposit of these checks or drafts (other than a non U.S. Treasury checkcheck or draft) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. Funds from all other check or draft deposits will be available on the seventh (7th) business day after the day of your deposit. For determining Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. However, if you make a deposit after that time or on a day we are This rule does not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge apply at ATMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate. You agree All ATMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed we own or terminated, we will provide you such notice operate are identified as may be required by applicable lawour machines. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosureDisclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new membercustomer, the following special rules will apply during the first 30 days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next first business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you You (and you You may have to use Use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh ninth business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first 5,525 $5,000.00 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your Your deposit. For determining Dividend Payment Policy. See the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made Account Disclosures section in this brochure for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000 will be available on the seventh nine (9) business day days after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second two (2) business day days after the day of your deposit. Funds from all other check deposits will be available on the seventh nine (9) business day days after the day of your deposit. For determining the availability of your deposits, every day is a Deposits at Nonproprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until five (5) business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be days after the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of This Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable lawChecks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions institution upon which it is drawn. Remote Deposits. Funds from items deposited through the Service will be available on the day the item is cleared by the payor Credit Union and the Credit Union has been given credit. For purposes of determining the cut-off period for deposits and the availability of funds, checks deposited via Remote Deposit session are considered received by the Credit Union when the checks have cleared and funds are available to the Credit Union. You agree that the imaging and transmitting of checks alone does not constitute receipt by Credit Union. Also, acknowledgment of receipt or delivery does not constitute an acknowledgment by Credit Union that the transmission of a check or items does not contain errors or that funds will be available.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Business Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that any such delay is permissible under the laws applicable we may use subsequent deposits and other credits to the availability account, including without limitation deposits of funds held government, welfare, retirement and Social Security benefits, to cover any overdraft existing in deposit your account, to the fullest extent permitted by law. Each account owner is jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. In BUSINESS BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 53 BUSINESS BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. Manage multiple client interest-bearing savings accounts linked to one master checking account. SUMSM PROGRAM Cambridge Trust Company is a member of the event an IAT is delayed or terminated, we SUMSM Program. Additional ATM surcharges will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed imposed on Cambridge Trust clients who use their cards at SUM- designated ATMs. However, Cambridge Trust does impose an ATM fee for transactions at non-Cambridge Trust Company ATMs except where otherwise noted. Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX Provide client name and account number Business ATM and debit card fees: ATM Transactions at non-Cambridge Trust ATM’s $1 Debit cash advance $1 Deposited item returned unpaid $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Collection item - Canadian variable Collection item - other $30 Interim statement $25 Duplicate paper Statement Instruction monthly, per account $2.50 International mailing address instruction $5 Debit replacement card $7.50 Manual $30 BizBanker $25 Treasurer’s check: Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to $50 Access to bulk storage (per visit) $10 Wire transfer Outgoing International draft $40 International wire transfer Manual $45 BizBanker $35 Draw Down Wire Transfer $35 Account closing early (within six months of opening) $50 Bond coupons returned unpaid $20 Check printing variable Stand-by Letter of Credit Opening Fee (one time fee) $150 Annual Fee Secured Greater of 2% of SBLC amount or $150 Unsecured Greater or 3% of SBLC amount or $150 Amendment Fee $50 Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 Sweep $150 Monthly maintenance fee $55 ACH originated $.22 per item Remote Deposit Capture $75 Positive Pay ACH Positive Pay Maintenance per account $20 Check Basic Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.07 Check Payee Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.10 ACH Addenda Report $25/Account/ Month Premium Service with bill payment utilizes enhanced security with token authentication technology. A set-up fee of $50 per user applies. Additional Cash Management services are available and certain fees may apply. Contact your Relationship Manager for more information. For additional services refer to Other Fees. Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month access for more than three accounts ONLINE BANKING AGREEMENT AND DISCLOSURE By using our Online Banking Service (“Online Banking”) and checking the same as checks drawn on U.S. financial institutions“I agree to the terms of the Document Service Agreement and Disclosure,” you are electing to receive your deposit account statements and loan account statements and certain disclosures and notices electronically (“eStatements”), and you agree that Cambridge Trust Company (CTC) may provide these communications to you in electronic form in lieu of paper form in accordance with these terms. Foreign checks are exempt from Please read the policies outlined in this disclosure. Generally, the availability following agreement carefully and print and retain a copy of funds it for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnyour records.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Business Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that any such delay is permissible under the laws applicable we may use subsequent deposits and other credits to the availability account, including without limitation deposits of funds held government, welfare, retirement and Social Security benefits, to cover any overdraft existing in deposit your account, to the fullest extent permitted by law. Each account owner is jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. In BUSINESS BANKING FEE SCHEDULE ESCROW ACCOUNT SERVICE Manage multiple client interest-bearing savings accounts linked to one master checking account. SUMSM PROGRAM Cambridge Trust Company is a member of the event an IAT is delayed or terminated, we SUMSM Program. Additional ATM surcharges will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn imposed on U.S. financial institutionsCambridge Trust clients who use their cards at SUM- designated ATMs. Foreign checks However, Cambridge Trust does impose an ATM fee for transactions at non-Cambridge Trust Company ATMs except where otherwise noted. INCOMING WIRE INSTRUCTIONS Wire to: Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX ABA Routing Number: 0000-0000-0 SWIFT Code: XXXXXX00 For Credit To: Provide client name and account number OTHER FEES Business ATM and debit card fees: ATM Transactions at non-Cambridge Trust ATM’s $1 Debit cash advance $1 Debit replacement card $7.50 Deposited item returned unpaid $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Collection item - Canadian variable Collection item - other $30 Interim statement $25 Duplicate paper Statement Instruction $2.50 monthly, per account International mailing address instruction $5 paper statements, monthly, per account Stop payment Manual $30 BizBanker $25 Treasurer’s check: Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to $50 Access to bulk storage (per visit) $10 Wire transfer Outgoing domestic Manual $30 BizBanker $20 Incoming domestic $12 Incoming international $12 Outgoing internationalManual $45 BizBanker $35 International draft $40 Draw Down Wire Transfer $35 Paper Statement instruction fee $3 (Waived when you enroll in Online Banking with eStatements.) Account closing early (within six months of opening) $50 Bond coupons returned unpaid $20 Check printing variable Stand-by Letter of Credit Opening Fee (one time fee) $150 Annual Fee Secured Greater of 2% of SBLC amount or $150 Unsecured Greater or 3% of SBLC amount or $150 Amendment Fee $50 Zero Balance Account $30 Additional Accounts $15 ACH Return $2.50 ACH Notification of Change $2.50 Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 Sweep $150 PREMIUM BIZBANKER FEES - ONLINE BANKING Monthly maintenance fee $55 OPTIONAL SERVICES: ACH originated $.22 per item Remote Deposit Capture $75 Positive Pay ACH Positive Pay Maintenance per account $20 Check Basic Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.07 Check Payee Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.10 ACH Addenda Report $25/Account/ Month Premium Service with bill payment utilizes enhanced security with token authentication technology. A set-up fee of $50 per user applies. Additional Cash Management services are exempt from the policies outlined in this disclosureavailable and certain fees may apply. Generally, the availability Contact your Relationship Manager for more information. For additional services refer to Other Fees. BASIC BIZBANKER FEES - ONLINE BANKING Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month access for more than three accounts The Fee Schedule is part of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.your Account Agreement. BIZBANKER SERVICE AGREEMENT

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your account is open. : Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you and deposited in person with a bank employee (and you may have to use a special deposit slip). The excess over 5,525 of $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 15th business day after the day of your deposit. For determining Please remember that even after we have made funds available to you and you have withdrawn the availability of your depositsfunds, every day is a business day, except Saturdays, Sundays, you are still responsible for checks you deposit that are returned to us unpaid and federal holidays. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of for any other problems involving your deposit. HoweverI understand and agree that if the documentation for my account requested by Legacy is not provided by me; or if Legacy is unable to verify my personal information, if you make a deposit after that time or on a day we are not openother account documentation, Legacy will close my account without advance notice to me. Because of our concern for your privacy and our desire to maintain your trust, we will consider carefully restrict access to nonpublic personal information about you to those employees who need to know that the deposit was made on the next business day we are openinformation to provide products or services to you and to avoid unauthorized access to your information. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a caseWe maintain physical, settlement of the IAT may be delayed or suspendedelectronic, and may be terminated under applicable OFAC Rulesprocedural safeguards that comply with federal standards to protect your nonpublic personal information. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable Our employees are trained relative to the availability value of funds held safeguarding the privacy of all customer information. Any employees in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability violation of funds for deposits of foreign checks our principles will be delayed for the time it takes us subject to collect the funds from the financial institutions upon which it is drawndisciplinary action.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit share accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's’s, and federal, state state, and local government checks will be available on the next 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,525.00 will be available on the seventh 9th business day after the day of your Your deposit. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first 5,525 $5,525.00 will not be available until the second 2nd business day after the day of your Your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining the availability Location of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysCheck Endorsements. If you make a deposit before close on a business day that we are open, we will consider that day Federal law requires all check endorsements to be in the day first 1-1/2 inches of your depositthe trailing edge of the back of the check. HoweverThe trailing edge is opposite the left side of the face of the check, if you make a deposit after the side of the check just behind Our address. You will be responsible for any costs incurred by Us due to delays in returning checks deposited into Your Account that time or on a day we are do not open, we will consider that comply with the deposit was made endorsement standards. Dividend Payment Policy. See the Account Disclosures section in these Agreements And Disclosures for Our policy on the next business day we are openpayment of dividends. International ACH Transactions (IATTHESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules)WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. In such a caseWE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, settlement of the IAT may be delayed or suspendedSUBJECT TO THE TERMS OF THIS AGREEMENT, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnWHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a the day's ’s total deposits of cashier's’s, certified, teller'stellers, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5000.00 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkchecks) is not made in person to one of our employees, the first 5,525 $5000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. For determining Funds from any deposits (cash or checks) made at an automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. HoweverThis rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. We place certain limitation on withdrawals in cash. In general, if you make $225.00 of a deposit after that time or on a day we are not open, we will consider that is available for withdrawal in cash by the deposit was made on the next first business day we are openafter the day of deposit. International ACH Transactions (IAT) that are transmitted Any remaining funds up to or from any of your accounts may $5,525.00 will be identified and designated by us available for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered withdrawal in cash by the IAT if following business day, subject to branch cash availability. Typically, the IAT Credit Union will not allow cash withdrawals in excess for $5,000.00 on any given day for the safety and security of our members and employees. Any funds above and beyond $5,000.00 that is required to withdrawn in cash must be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability order ahead of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide time and you such notice as may be required by applicable lawmust sign a Large Cash Waiver form. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions institution upon which it is drawn. The Annual Percentage Yield (APY) is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Regular Share Savings and Special Savings Accounts, and Genesis Savings Accounts, the Dividend Rate and Annual Percentage Yield may change quarterly, as determined by the Credit Union’s Management. For High Yield Checking, 60+ Checking, and Money Market Accounts, the Dividend Rate and Annual Percentage Yield may change monthly, as determined by the Credit Union’s Management. For Christmas Club and Vacation Club Accounts the Dividend Rate and, Annual Percentage Yield may change annually as determined by the Credit Union’s Management. Student Checking, Totally Free Checking Accounts are not dividend bearing accounts. The Dividend Rates and Annual Percentage Yields are prospective the rates and yields that the Credit Union anticipates paying for the applicable dividend period. The Regular Share Savings Account, Special Savings Account, Money Market Account, High Yield and 60+ Checking account are tiered-rate accounts. Once a particular balance range is met, the Rate and Annual Percentage Yield for that balance range will apply to the full balance of your account unless your balance is reduced to a lower balance range. The High Yield Checking Account is also a tiered-rate account; however, the dividend rates displayed in the Rate Schedule will only be applied to the portion of your average daily balance that falls within the corresponding balance range. Balance ranges for each of the aforementioned accounts are set forth in the Rate Schedule. $2,500 - $15,000. For Genesis Savings, The accountholder must be between the ages 5 and 22. You will not earn dividends on balances that exceed $5,000.00. At age 23, the youth account will earn the daily dividend rate as determined on the Regular Share Savings Account on the entire balance. Once a particular balance range is met, the Rate and Annual Percentage Yield for that balance range will apply to the full balance on your account unless your balance is reduced to a lower balance range.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first 30 calendar days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will be available on the next business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)You. The excess over 5,525 $5,000.00 will not be available on until the seventh 2nd business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available no later than the 9th business day of Your deposit. Further delays may apply. Dividend Payment Policy. See the Account Disclosures section in these Agreements and Disclosures for Our policy on the seventh business day after the day payment of your depositdividends. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysTHIS IS YOUR SUBSTITUTE SHARE DRAFT POLICY DISCLOSURE AND INSTRUCTIONS. If you make a deposit before close on a business day that we are open, we will consider that day to be the day of your depositIT CONTAINS IMPORTANT INFORMATION CONCERNING OUR SUBSTITUTE SHARE DRAFT POLICY AND NECESSARY DISCLOSURES AS REQUIRED BY THE CHECK CLEARING FOR THE 21ST CENTURY ACT (12 CFR 229 ET SEQ) AND SPECIAL INSTRUCTIONS REGARDING YOUR RIGHT TO FILE FOR AN EXPEDITED REFUND. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnPLEASE BE CERTAIN TO READ THESE AGREEMENTS AND DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the same day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 5:00 PM on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are An Account is considered a new member, the following special rules will apply account during the first 30 thirty (30) calendar days your after the Account is established. An Account is not considered a new account if each member on the Account has had, within thirty (30) calendar days before the account is openestablished, another account at the depositary bank for at least thirty (30) calendar days. Funds from electronic direct deposits deposit to your account Account will be available on the day we receive the deposit. Funds from deposits of cashAlso, wire transfers, and Credit Union will make available the first 5,525 Five Thousand Dollars ($5,000) of the check deposited into a day's total deposits new account, no later than the business day after the banking day of the deposit or up to thirty (30) days, which ever is shorter, if the check is a US Treasury, US Postal Money Order, check drawn on a Federal Reserve Bank or a Federal Home Loan Bank, check drawn by the government of the Commonwealth of Puerto Rico, a cashier's’s, certified, traveler’s or teller's’s check deposited into a new account held by the payee of the check. All other checks, traveler'sas well as the excess over Five Thousand Dollars ($5,000), and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you ninth (and you may have to use a special deposit slip). The excess over 5,525 will be available on the seventh 9th) business day after the day of your deposit. If your deposit Federal regulations enacted pursuant to Section 326 of these checks (other than the USA PATRIOT Act, as amended, require all financial institutions to verify the identity of every person who seeks to open an account or become a U.S. Treasury check) is not made in person signatory on an account with the institution after October 25, 2002. All persons are subject to one the identity verification requirements even though they may be a long term member of our employees, and well known to the first 5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day after the day of your depositinstitution. For determining the availability purpose of your depositsthe regulation, an "Account" includes every day is formal credit union relationship that entails ongoing services, dealings or transactions. Some examples are a business day, except Saturdays, Sundays, and federal holidaysdeposit Account or loan. If you make request to open an Account or become a deposit before close signatory on a business day that we are openan Account with Caribe Federal and Caribe Federal has not previously verified your identity under the new regulatory requirements, we Caribe Federal will consider that day to be the day request documentary verification of your depositidentity, such as a driver's license or passport and/or it will verify your identity through other no documentary methods. However, if you make Similar identification requirements apply to business entities such as corporations and partnerships. Caribe Federal may retain a deposit after that time or copy of any document it relied on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of verify your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnidentity.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 9th business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 6:00 p.m. on Fridays and 5:00 p.m. all other days on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, or the deposit is received after we have opened our night depository for that day, we will consider that the deposit was made on the next business day we are open. Deposits you send by mail are considered deposited on the business day it arrives by the cutoff time at the branch of deposit. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn. Foreign checks with no routing numbers and payable in foreign currency are not accepted for deposit.

Special Rules for New Accounts. If you are a new member, the The following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,525.00 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,525.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. For determining Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day date of your deposit. However, if you make a deposit after that time or on a day we are This rule does not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge apply at ATMs that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesown or operate. You agree All ATMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accountswe own or operate are identified as our machines. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable lawForeign Checks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutionsELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. Foreign checks are exempt from the policies outlined in this disclosure. GenerallyIT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 1005 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnDEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("e-Voice"), ONLINE BANKING SYSTEM (“Silver Connect”) AND OUR BILL PAY SERVICE (“e-Pay”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. It is Thomaston Savings Bank’s (“we, us, or our”) policy to comply with applicable laws, rules and regulations, and to conduct business in accordance with strict safety and soundness standards. Insufficient funds (overdraft/negative balance) may result from: (a) the payment of checks, electronic funds transfers, or other withdrawal requests you initiate; (b) payments authorized by you; (c) the return, unpaid, of items deposited by you; (d) charging your account for our applicable service charges and fees. We are not obligated to pay any item initiated for payment against your account if your account does not contain sufficient available funds. Rather than automatically returning, unpaid, all insufficient funds items that you may have, if your “eligible account type” has been open for at least one (1) day and thereafter you maintain your account in good standing, which includes at least: (a) continuing to make deposits consistent with your past practices; (b) you are not in default on any loan obligation to us; (c) we reserve the right to pay your outstanding overdraft (negative) balance, including our fees, immediately or on demand; and (d) your account is not the subject of any legal or administrative order or levy, such as bankruptcy or a tax lien, we will consider, without obligation on our part, approving your reasonable overdrafts up to your assigned limit, including our fees. We reserve the right to require you to pay your outstanding overdraft (negative) balance, including our fees, immediately or on demand. This discretionary service will generally be limited to a $100 overdraft (negative) balance for eligible consumer checking account types for the first thirty (30) days and then increased to $500 thereafter if you maintain your account in good standing, which includes at least: (a) continuing to make deposits consistent with your past practices; (b) you are not in default on any loan obligation to us; (c) we reserve the right to pay your outstanding overdraft (negative) balance, including our fees, immediately or on demand; and (d) your account is not the subject of any legal or administrative order or levy, such as bankruptcy or a tax lien, we will consider, without obligation on our part, approving your reasonable overdrafts up to your assigned limit, including our fees; or a $1,000 overdraft (negative) balance for eligible business checking account types after the first thirty (30) days and you maintain your account in good standing as described above. Our normal fees and charges including, without limitation, our insufficient funds (NSF) or overdraft (OD) fees; currently $30.00 per insufficient funds or overdraft item, as set forth in our fee schedule, will be charged for each transaction initiated for payment from your checking account that does not have sufficient available funds. Transactions may not be processed in the order in which they occurred and the order in which transactions are received and processed by us can affect the total amount of overdraft fees charged. Typically, we will charge our normal insufficient funds fee whether we approve an overdraft item for payment or return it unpaid. Our $30.00 per item insufficient funds fee will be included in and count against your assigned limit. Whether your overdrafts will be paid or not is at our sole discretion and we reserve the right not to pay. For determining example, we typically do not pay overdrafts if your account is not in good standing as described above, or if you have too many overdrafts. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail of any insufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts including our fees that you owe us shall be due and payable immediately. If there is an overdraft paid by us on an account with more than one (1) owner on the availability signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts including our fees. If your account is not returned to a positive balance within fifteen (15) days, we may take additional action including removal of our discretionary Overdraft Privilege Service, suspension of debit card and online banking services, and closure of your depositsaccount with reporting of monies owed to a consumer reporting agency. Optional Overdraft Protection Services: We offer additional overdraft protection services that you may apply for. These include Overdraft Line of Credit and Overdraft Protection (transfer from a checking or savings, every day is a business day, except Saturdays, Sundays, and federal holidaysaccount you have with us). If you make a deposit before close apply and are approved for these optional services, you may save money on a business day the total fees you pay us for overdraft protection services. Our Overdraft Privilege Service can also be included in addition to these optional services. The $30.00 per item insufficient funds fee and optional service transfer fee ($5.00 for Overdraft Line of Credit and $5.00 for Overdraft Protection) may be added together if optional service limits are exceeded. Ineligible Accounts and Limitations: Available only for eligible checking accounts that we are openmaintained in good standing as defined above. Savings, we will consider that day to be the day of your deposit. HoweverPublic Fund/Charitable Organization, if you make a deposit after that time or on a day we Trust, Estate, Uncommon Account and UTMA accounts are not openeligible. We may, we will consider that in our sole option and discretion, limit the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any number of your accounts may be identified and designated by us eligible for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required Overdraft Privilege Service to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnone account per household and/or one account per taxpayer identification number.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Personal Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that we may use subsequent deposits and other credits to the account, including without limitation deposits of government, welfare, retirement and Social Security benefits, to cover any such delay overdraft existing in your account, to the fullest extent permitted by law. Each account owner is permissible jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. PERSONAL BANKING FEE SCHEDULE The Fee Schedule is part of your Account Agreement. PERSONAL ONLINE BANKING Online banking and bill payment are free of charge. SUMSM PROGRAM Cambridge Trust Company is a member of the SUMSM Program. Additional ATM surcharges will not be imposed on Cambridge Trust clients who use their cards at SUM- designated ATMs. However, Cambridge Trust does impose an ATM network fee for transactions at non-Cambridge Trust Company ATMs except as noted under the laws applicable Relationship Accounts and Checking Accounts section. INCOMING WIRE INSTRUCTIONS Wire to: Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX ABA Routing Number: 0000-0000-0 SWIFT Code: XXXXXX00 For Credit To: Provide client name and account number OTHER FEES Debit replacement card $5 Returned deposited check fee $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Item presented against insufficient funds $5 on 18/65 account Collection item - Canadian variable Collection item - Other $30 Interim statement $25 Duplicate paper Statement Instruction, $2.50 monthly, per account Paper Statement instruction fee $2 (Waived when you enroll in Online Banking with eStatements) International Mailing Address Instruction $5 paper statements, monthly, per account Stop Payment $30 Treasurer’s check:Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to the availability $50 Bill paying (per manual payment) $20 Access to bulk storage (per visit) $10 Wire transfer Outgoing Wire transfer domestic $30 Wire transfer international $45 IncomingWire transfer $12 International draft $40 Account closing early $50 (within six months of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside opening) Bond coupons returned unpaid $20 Check printing variable Coin counting$0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 MasterCard® International Assessment Fee 2% of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.Dollar ELECTRONIC BANKING AGREEMENT

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first 30 thirty (30) days your account is open. : Funds from cash and electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $5,525 of a day's ’s total deposits of U. S. Treasury, cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip, if ap- plicable). The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh fifteenth business day after the day of your deposit. For determining (Longer hold periods may apply in certain situations.) The accrual of dividends is NOT delayed. Dividend calculations begin on the availability day of your deposits, every day is a deposit. Deposits at automated teller machines (ATMs) - Funds from any deposits (cash or checks) made at automated teller machines (ATMs) will generally be available by the next business day, except Saturdaysor when funds can be verified, Sundayssubject to our check hold policy. (A Discretionary Overdraft Service) OVERDRAFT PRIVILEGE IS NOT AVAILABLE ON TRUST ACCOUNTS. It is the policy of Redstone Federal Credit Union (“the Credit Union, CU, we, us, or our”) to comply with applicable laws and regulations, and federal holidaysto conduct business in accordance with applicable safety and soundness standards. A non-sufficient funds (negative) balance may result from: A) The payment of checks, ACH transactions, or other withdrawal requests; B) Automatic bill pay- ments authorized by you; C) The return, unpaid, of items deposited by you; D) The imposition of applicable service charges; or E) The deposit of items which according to the Credit Union’s Funds Availability Policy, are treated as not yet “available” or finally paid. If the Credit Union has received your “opt-in” or authorization, a non-sufficient funds (negative) balance may also result from: A) ATM transactions; and B) Everyday (one-time) debit card transactions. We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you make a deposit before close on a business day that we are open, we will consider that day to be the day of your deposit. Howevermay have, if your eligible account (primarily used for personal, family and household purposes) has been open for at least one hundred and eighty (180) days and thereafter you main- tain your account in good standing, which includes at least: (A) Continuing to make a deposit after that time deposits consistent with your past practices, and depositing at least $800 or on a more in your account within each thirty (30) day we period, (B) You are not open, we will consider that the deposit was made in default on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable loan obligation to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminatedCredit Union, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checksC) canYou bring your account to a positive balance (not be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generallyoverdrawn) at least once every thirty (30) days, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.and

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first 30 days your account is openopened. Funds from electronic direct deposits to your account account, excluding External Funds Transfers, will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh first business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on no later than the seventh business day second Business Day after the day of your deposit. For determining Xxxxx Xxxxxxxxx (Nov 19, 2018) This Agreement sets out the availability of your deposits, every day is terms and conditions (Terms) upon which Avidia Bank (Bank) will provide the ability to perform external funds transfers and serves as a business day, except Saturdays, Sundays, legally binding agreement between you and federal holidaysthe Bank. . If you make a deposit before close on a business day that we are opendo not accept and agree to all of the Terms, we you will consider that day not be entitled to be use the day external transfer funds feature. The Bank reserves the right to change the Terms, under which the external funds transfer feature is offered at any time; however, the Bank will notify you of your depositany material change to the Terms. HoweverIn most cases, if you make a deposit after that time or on a day we are not open, we will consider that receive the deposit was made on notice on-line the next business day we are open. International ACH Transactions (IAT) that are transmitted time you log in; however, the Bank reserves the right to notify you by e-mail or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a caseconventional mail, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesin its discretion. You agree that if you continue to use the external funds transfer feature after we notify you of any such delay is permissible under change, you thereby accept the laws applicable changes to the availability of Terms and agree to be bound by this Agreement, as amended. If at any time you wish to discontinue using the external funds held in deposit accountstransfer, you can unsubscribe by sending the Bank an e-mail to XXX@xxxxxxxxxx.xxx or call us at 0-000-000-0000. In the event If your Bank account associated with an IAT is delayed external transfer has been closed you will have no further right or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in access to use this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnfeature.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh eleventh (11) business day after the day of your deposit. For determining Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be after the day of your deposit. However, if you make a deposit after that time or on a day we are This rule does not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge apply at ATMs that we may be required own or operate. 533 Xxxxxxxx Kansas City, MO 64106 816.221.2734 xxx.xxxxxxxxxxxx.xxx Last Dividend Declaration Date: 03/31/2019 DIVIDENDS Dividend Rate/Annual Percentage Yield (APY) 100-9,999 - ,05 APY 10,000-999,999 - .10 APY 100-9,999 - ,05 APY 10,000-999,999 - .10 APY 100-9,999 - ,05 APY 10,000 - 999,999 - .10 APY No dividends paid Dividends Compounded: Dividends Credited Dividend Period Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Not applicable BALANCE REQUIREMENTS $5.00 Plus $5.00 One Time Fee Minimum Opening Deposit: Minimum Balance to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability Avoid a Service Fee: $5.00 plus active use of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice another service as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosurethe Fee Schedule or $100 if no additional service used. Generally, $5.00 None $5.00 None $25.00 No minimum unless no activity in the availability of funds for deposits of foreign checks will be delayed for last 90 days and balance less than $25.00 Minimum Balance to Earn the time it takes us Stated APY: $100.00 $100.00 $100.00 Not Applicable Balance Method to collect Calculate the funds from the financial institutions upon which it is drawn.Dividends: Average Daily Balance Average Daily Balance Average Daily Balance Not Applicable ACCOUNT LIMITATIONS (See Paragraph 6)

Special Rules for New Accounts. If you You are a new member, the following special rules followingspecialrules will apply during applyduring the first 30 days your account Your Account is open. Funds from electronic direct deposits to your account Your Account will be available on the day we We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks will be available on the next 1st business day after the day of your Your deposit if the deposit meets certain conditions. For example, ,the checks must be mustbe payable to you (and you may have to use a special deposit slip)You. The excess over $5,525 will be available on the seventh business day after 9th businessdayafter the day of your Your deposit. If your Your deposit of these checks (other than otherthan a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second 2nd business day after dayafter the day of your Your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your Your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysATM Deposits. If you You make a an ATM deposit before close prior to 3:00 p.m. PST on a business day that we We are open, we We will consider that day to be the day of your Your deposit. However, if you You make a an ATM deposit after that time 3:00 p.m. PST or on a day we that We are not open, we We will consider that the deposit was made on the next business day we We are open. International ACH Transactions For deposits made at Automated Teller Machines (IATATMs) that are transmitted to or from any of your accounts may be identified owned and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered operated by the IAT if Credit Union, deposits subject to delayed availability will become available for withdrawal on the IAT is required 1st business day following the day of deposit. For deposits made at Automated Teller Machines (ATMs) not owned and operated bythe Credit Union, deposits subject to be terminated under OFAC Rulesdelayed availability will become available for withdrawal on the 5th business dayfollowing the day of deposit. You agree All ATMs that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed We own or terminated, we will provide you such notice operate are identified as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnOur machines.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 60 days your account Deposit Account is open. Funds from electronic direct deposits to your account Deposit Account will be available on the day first Business Day after we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $2,500 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day first Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $2,500 will be available on no later than the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 will not be available until the second business day ninth Business Day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day third Business Day after the day of your deposit. For determining Your Responsibility for Deposits. Even if we have made funds available to you and you have withdrawn the availability funds, you are still responsible for deposits that are returned to us unpaid and for any other problems involving your deposit. Electronic Fund Transfers: Your Rights and Responsibilities This disclosure contains important information about your use of electronic fund transfer (EFT) services provided by the Bank in connection with your depositsKlaDot Account. Whenever you accept or authorize EFTs to your Deposit Account, you agree to these terms and conditions, in addition to any other applicable limitations in this Agreement concerning deposits to and withdrawals from your Deposit Account. Please read this document carefully and retain it for future reference. Business Days. Our Business Days are every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close holidays on a business day that we which banks in [Tennessee] are open, we will consider that day legally authorized to be the day closed. Types of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.Available EFTs

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first 30 days your account is open. If the 30th day does not fall on a Business Day, these special rules will apply through the first Business Day after the 30th day. Funds from electronic direct deposits to your account will be available on the same day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state and local government checks deposited by mail will be available on the next business day second Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over 5,525 $5,000 will be available on the seventh business day 7th Business Day after the day of your deposit. If your deposit of these checks (other than is a U.S. Treasury check) is not made in person to one of our employees, check the first 5,525 $5,000 will not be available until on the second business next Business Day after the day of your deposit. The excess over $5,000 will be available on the 7th Business Day after the day of your deposit. Funds from deposits of checks drawn on any subsidiary bank of Citizens Financial Group, Inc., including Citizens Bank, N.A., will be available on the 7th Business Day after the day of your deposit. Funds from all other check deposits will be available on the seventh business day 7th Business Day after the day of your deposit. For determining When you deposit a check, or we send a check for collection, we act only as your agent and our responsibility to you is to exercise reasonable care. Even though we credit your account for the availability amount of your depositsany item, every day the credit is temporary until we receive final payment in a business daymanner acceptable to us. We will not be liable for the lack of care of any bank we use to collect checks, except Saturdays, Sundays, or for checks lost while being shipped. We may send checks to any bank or directly to any non-bank drawee in our customary manner. We may agree with other banks regarding times and federal holidaysmethods for collecting or returning items. If we lose a check, you make a agree to use reasonable efforts to help us locate or replace the lost check. We have no duty to you to determine whether any check you deposit before close on a business day that we are openis forged, we will consider that day to be the day of your deposit. Howevercounterfeit, if you make a deposit after that time altered, improperly endorsed, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnotherwise improper.

Special Rules for New Accounts. If you are a new memberclient, the following special rules will may apply during the first 30 days your account is open. : • Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's ’s total deposits of treasurer’s, cashier's’s, teller’s, certified, teller's, traveler's, travelers and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of we receive your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. OVERDRAFTS If you make do not have sufficient available funds on deposit to cover the amount of a deposit before close on a business day that we are opencheck or other transaction(s) (e.g., in-person withdrawal, automatic payment, check, preauthorized debit (ACH), transfer, or other electronic transaction), we will consider may return the check or reject the transaction without payment. Our policy is to decline to process any ATM withdrawal and/or any individual Debit Card transaction if, at the time authorization is requested, we have a reasonable belief that day your account has insufficient funds to be cover the day of your deposittransaction. HoweverWith regard to checks or other transactions, we may elect, at our sole discretion, to create an overdraft by paying a check or permitting a transaction. Note: if you make a deposit after on the same day that time an item or on transaction creates an overdraft (a day we are not open“temporary” or “intraday overdraft”), we will consider that may charge the fee for the overdraft since the covering deposit was made on may not be posted until the next end of the business day we are openday. International ACH Transactions (IAT) We may also impose a fee for overdrafts created by deposited items that are transmitted returned. See our Business Banking Fee Schedule for more information. If we permit an overdraft or otherwise allow your account balance to or from any of your accounts may be identified and designated by us for review and examination under drop below zero, you agree to pay the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement amount of the IAT may be delayed overdraft promptly, without notice or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rulesdemand from us. You agree that any such delay is permissible under the laws applicable we may use subsequent deposits and other credits to the availability account, including without limitation deposits of funds held government, welfare, retirement and Social Security benefits, to cover any overdraft existing in deposit your account, to the fullest extent permitted by law. Each account owner is jointly and severally responsible for paying any overdrafts created by any authorized signer(s) or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Our payment of any checks or transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. In 52 BUSINESS BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 53 BUSINESS BANKING ACCOUNT FEE SCHEDULE The Fee Schedule is part of your Account Agreement. ONLINE BANKING AGREEMENT AND DISCLOSURE Manage multiple client interest-bearing savings accounts linked to one master checking account. SUMSM PROGRAM Cambridge Trust Company is a member of the event an IAT is delayed or terminated, we SUMSM Program. Additional ATM surcharges will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed imposed on Cambridge Trust clients who use their cards at SUM- designated ATMs. However, Cambridge Trust does impose an ATM fee for transactions at non-Cambridge Trust Company ATMs except where otherwise noted. Cambridge Trust Company 0000 Xxxxxxxxxxxxx Xxxxxx Xxxxxxxxx, XX 00000 XXX Provide client name and account number Business ATM and debit card fees: ATM Transactions at non-Cambridge Trust ATM’s $1 Debit cash advance $1 Debit replacement card $7.50 Deposited item returned unpaid $6.50 Expedited card replacement $40 Insufficient funds - returned item fee $35 Insufficient funds - overdraft paid fee $35 Collection item - Canadian variable Collection item - other $30 Interim statement $25 Duplicate paper Statement Instruction $2.50 monthly, per account International mailing address instruction $5 paper statements, monthly, per account Stop payment Manual $30 BizBanker $25 Treasurer’s check: Client $5 Non-client $7 Bank money order $2 Research: hourly fee $25 Escheatment fee $100 Levy/attachment processing fee up to $50 Access to bulk storage (per visit) $10 Wire transfer Outgoing International draft $40 International wire transfer Manual $45 BizBanker $35 Draw Down Wire Transfer $35 Account closing early (within six months of opening) $50 Bond coupons returned unpaid $20 Check printing variable Stand-by Letter of Credit Opening Fee (one time fee) $150 Annual Fee Secured Greater of 2% of SBLC amount or $150 Unsecured Greater or 3% of SBLC amount or $150 Amendment Fee $50 Zero Balance Account $30 Additional Accounts $15 ACH Return $2.50ACH Notification of Change $2.50 Coin counting $0-$25 Free $26-$100 $5 $101-$500 $15 Over $500 5% of total Manual transfer $5 Sweep $150 Monthly maintenance fee $55 ACH originated $.22 per item Remote Deposit Capture $75 Positive Pay ACH Positive Pay Maintenance per account $20 Check Basic Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.07 Check Payee Positive Pay Monthly maintenance fee $60 Each additional account $10 Per check issued $.10 ACH Addenda Report $25/Account/ Month Premium Service with bill payment utilizes enhanced security with token authentication technology. A set-up fee of $50 per user applies. Additional Cash Management services are available and certain fees may apply. Contact your Relationship Manager for more information. For additional services refer to Other Fees. Micro BizBanker No monthly maintenance fee Standard BizBanker for multi-user $15/month access for more than three accounts By using our Online Banking Service (“Online Banking”) and checking the same as checks drawn on U.S. financial institutions“I agree to the terms of the Document Service Agreement and Disclosure,” you are electing to receive your deposit account statements and loan account statements and certain disclosures and notices electronically (“eStatements”), and you agree that Cambridge Trust Company (CTC) may provide these communications to you in electronic form in lieu of paper form in accordance with these terms. Foreign checks are exempt from Please read the policies outlined in this disclosure. Generally, the availability following agreement carefully and print and retain a copy of funds it for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnyour records.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000 of a day's total deposits of cashier's, certified, teller's, This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Share draft accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from your check deposits available to you on the second business day after the day we receive your deposit, with the first $200 available on the first business day after the day of your deposit. Electronic direct deposits will be available on settlement date of the deposit. Cash, wire transfers, and some specified check deposits will also be available traveler's, and federal, state and local government checks will be available on the next first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. For determining before the availability of your deposits, every day is a second business day, except Saturdaysas detailed below. Once the funds are As our member we think it's important for you to know about substitute checks and the new Check 21 Act. As a result, Sundayswe want to advise you that you may begin to see differences when you receive your account statement, or request a copy of your original check for proof of payment. Accelerated check processing also means a reduction in the so-called "float" time - the amount of time between the writing and the cashing of a check. You may begin to see your checks clearing faster than they have in the past. The following Substitute Check Disclosure provides information about substitute checks and your rights. So you will recognize a substitute check when you receive one, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components. To make check processing faster, federal holidayslaw permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Dort Federal Credit Union P.O. Box 1635 Flint MI 48501 000-000-0000 / Toll Free 000-000-0000 You must contact us within 60 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a deposit before close on timely claim because of extraordinary circumstances. Yourclaim mustinclude f ◆ A description of why you have suffered a business day that we are openloss (for example, we will consider that day to be you think the day amount withdrawn was incorrect); ◆ An estimate of the amount of your depositloss; ◆ An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and ◆ A copy of the substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and the name of the person to whom you wrote the check. However, if you make a deposit after that time or on a day we are not open, we will consider that These numbers correspond with the deposit was made numbers on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement Substitute Check Image: 1 An image of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by original check appears in the IAT if upper right-hand corner of the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnsubstitute check.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first 5,525 $5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler's’s, and federal, state state, and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over 5,525 $5,000.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the seventh fifth business day after the day of your deposit. For determining If members deposit funds into their Credit Union accounts at any of these ATM's, that deposit, whether cash or check, may not be available until the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before close on a fifth business day that we are open, we will consider that day to be following the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from any of your accounts may be identified and designated by us for review and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required by applicable lawChecks. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutionsELECTRONIC FUNDS TRANSFER AGREEMENT THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. Foreign checks are exempt from the policies outlined in this disclosure. GenerallyIT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E (12 CFR 205 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA CHECK CARD, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawnOUR CALL-24 AUDIO RESPONSE SYSTEM AND OUR WEB- 24 INTERNET BANKING, EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY (“E-CHECK”).

Special Rules for New Accounts. If you are a new credit union member, the following special rules will apply during the first 30 days your account is open. Funds The first $5,000 from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits a deposit of cash, wire transfers, and the first 5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government U.S. Treasury checks will be available on the next business first busi- ness day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)deposit. The excess over 5,525 $5,000 will be available on the seventh business day after the day we receive your deposit. Funds from wire transfers into your account will be available on the first business day after we receive the transfer. Funds from the deposits of cash and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and state and local government checks will be available on the first business day after the day of your deposit. If your you do not make the deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 5,525 $5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will may be available on held for up to 7 days at the seventh business day after the day of your depositcredit union’s discretion. Accounts must be established for 180 days before Credit Union Service Center transac- tions are allowed. For determining more information, contact the availability credit union Operations Center at (000) 000-0000 or 0-000-000-0000. By completing and signing the “Membership, Account, ATM, TouchLine® & home banking (PC TouchLink®) Combined Application & Signature Card,” I/we, apply for a Cyprus Federal Credit Union confidential Personal Identification Number (PIN) for use with TouchLine® via telephone and PC TouchLink® (hereafter referred to as home banking) via computer. Transactions available are those stated in the Electronic Funds Transfer (EFT) Agree- ment. My/Our liability for unauthorized transactions is as stated in the EFT Agreement. I/We are responsible for the safekeeping of your deposits, every day the PIN provided by the credit union and for all transactions by use of TouchLine® and home banking. I/We further understand that my/our PIN is a business day, except Saturdays, Sundays, not transferable and federal holidaysI/we will not disclose the PIN or permit any unauthor- ized use thereof. I/We will notify the credit union immediately and send written confirmation if my/our PIN is disclosed to anyone other than an authorized joint owner of my/our account. If you make a deposit before close I/we default on a business day that any amount I/we are openowe under this Agreement, I/we will consider that day agree to be the day of your deposit. However, if you make a deposit after that time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. International ACH Transactions (IAT) that are transmitted to or from pay any of your accounts may be identified and designated by us for review all attorney’s fees and examination under the Office of Foreign Assets Control Rules and Regulations (OFAC Rules). In such a case, settlement of the IAT may be delayed or suspended, and may be terminated under applicable OFAC Rules. You also acknowledge that we may be required to place an indefinite hold on funds covered collection costs incurred by the IAT if the IAT is required to be terminated under OFAC Rules. You agree that any such delay is permissible under the laws applicable credit union to the availability of funds held in deposit accounts. In the event an IAT is delayed or terminated, we will provide you such notice as may be required extent allowed by applicable law. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.