Common use of TERM SHARE and CERTIFICATE ACCOUNTS Clause in Contracts

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Fee Schedule, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The amount of the penalty is disclosed on the Rates and/or Fee Schedule. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Fee Schedule. If it automatically renews you will have a grace period, also indicated on the Rates and/or Fee Schedule, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Fee Schedule or the Account Receipt will indicate whether interest will continue to accrue after maturity.

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Fee & Fees Schedule, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The amount of the penalty is disclosed on the Rates and/or Fee & Fees Schedule. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Fee & Fees Schedule. If it automatically renews you will have a grace period, also indicated on the Rates and/or Fee & Fees Schedule, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Fee & Fees Schedule or the Account Receipt will indicate whether interest will continue to accrue after maturity.

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Rate & Fee Schedule, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds principal in your account before the maturity date. The amount of the penalty is disclosed on the Rates and/or Rate & Fee Schedule. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest dividends will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA XXX accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Rate & Fee Schedule. If it automatically renews you will have a grace period, also indicated on the Rates and/or Rate & Fee Schedule, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Rate & Fee Schedule or the Account Receipt will indicate whether interest dividends will continue to accrue after maturity. Bonuses. You may receive a bonus on your term account if we offer such feature. Details of the amount of the bonus and the conditions to receive the bonus will be disclosed to you on the Rate & Fee Schedule or at the time you open your account.

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Fee Scheduleyour certificate account disclosure, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds in your account before the maturity dateday. The amount of the penalty is disclosed on the Rates and/or Fee Schedule. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest dividends will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA XXX accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Fee ScheduleCertificate Account Disclosures. If it automatically renews you will have a grace period, also indicated on the Rates and/or Fee ScheduleCertificate Account Disclosures, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Fee Schedule or the Certificate Account Receipt Disclosures will indicate whether interest dividends will continue to accrue after maturity.. Additional Limitations. Additional limitations may apply to the use of your accounts in accordance with any other Agreements you may have with us, e.g., Electronic Funds Transfer Agreement, Home Banking Agreement, etc. 0000 Xxxxx Xxxxx Blvd, Dallas, TX 75235 (000) 000-0000 XxxxXxXX.xxx Rev 12/2017 WHAT DOES RELYON CREDIT UNION

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Fee Scheduleyour certificate account disclosure, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds in your account before the maturity dateday. The amount of the penalty is disclosed on the Rates and/or Fee Schedule. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest dividends will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA XXX accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Fee ScheduleCertificate Account Disclosures. If it automatically renews you will have a grace period, also indicated on the Rates and/or Fee ScheduleCertificate Account Disclosures, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Fee Schedule or the Certificate Account Receipt Disclosures will indicate whether interest dividends will continue to accrue after maturity. Additional Limitations. Additional limitations may apply to the use of your accounts in accordance with any other Agreements you may have with us, e.g., Electronic Funds Transfer Agreement, Home Banking Agreement, etc. 0000 Xxxxx Xxxxx Blvd, Dallas, TX 75235 (214) 357-3328 XxxxXxXX.xxx Rev 12/2017 FACTS WHAT DOES RELYON CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? 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. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:  Name, address, Social Security number and income  Account balances and transaction history  Credit history and credit score When you are no longer our member, we do not share your information except as permitted or required by law as described in this notice. How? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons RelyOn Credit Union chooses to share; and whether you can limit this sharing. Reasons we can share your personal information: Does RelyOn Credit Union share? Can you limit my sharing? For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, and 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 Yes 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 non-affiliates’ to market to you Yes Yes Questions? Call (000) 000-0000 our menu will prompt you through your choice(s) Visit us online: xxx.xxxxxxxx.xxx Email us at: Xxxxxxxx@xxxxxxxx.xxx Mail the form below Mail In Form Xxxx any/all you want to limit: Name Address City, State, Zip Member No. Mail to: RelyOn Credit Union 0000 Xxxxx Xxxxx Blvd. Dallas, TX 75325 What we do How does RelyOn Credit Union 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. How does RelyOn Credit Union collect my personal information? We collect your personal information, for example, when you  Open an account or deposit money  Pay your bills or apply for a loan  You visit our website, provide us information on any online application or transaction, or information you send to us by email  Use your credit or debit card We also collect your personal information from others, including credit bureaus, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit information sharing as follows:  Sharing for affiliates’ everyday business purposes – information about your creditworthiness;  Affiliates from using your information to market to you;  Sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choice will apply to everyone on your account.

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Fee & Fees Schedule, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds principal in your account before the maturity date. The amount of the penalty is disclosed on the Rates and/or Fee & Fees Schedule. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest dividends will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA XXX accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Fee & Fees Schedule. If it automatically renews you will have a grace period, also indicated on the Rates and/or Fee & Fees Schedule, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Fee & Fees Schedule or the Account Receipt will indicate whether interest dividends will continue to accrue after maturity. Bonuses. You may receive a bonus on your term account if we offer such feature. Details of the amount of the bonus and the conditions to receive the bonus will be disclosed to you on the Rates & Fees Schedule or at the time you open your account.

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The amount of the penalty is disclosed on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest dividends will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees. If it automatically renews you will have a grace period, also indicated on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Fee Rate Sheet and Schedule of Fees or the Account Receipt will indicate whether interest dividends will continue to accrue after maturity. Bonuses. You may receive a bonus on your term account if we offer such feature. Details of the amount of the bonus and the conditions to receive the bonus will be disclosed to you on the Rate Sheet and Schedule of Fees or at the time you open your account.

TERM SHARE and CERTIFICATE ACCOUNTS. The following applies to Term Share and Certificate Accounts: Maturity. Your account will mature according to the term indicated on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees, and as indicated on your account summary or statement. Early Withdrawal; Penalties. We will impose a penalty if you withdraw any of the funds in your account before the maturity date. The amount of the penalty is disclosed on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees. The penalty is calculated as a forfeiture of part of the dividends that have been or would have been earned on the account, and applies whether or not the dividends have been earned. The penalty may be deducted from the principal amount of the deposit. The Annual Percentage Yield disclosed for your account is based on an assumption that interest dividends will remain in the account until maturity; a withdrawal will reduce earnings. Early withdrawal penalties may be permitted or reduced for IRA XXX accounts or other accounts if applicable law allows. Renewal Policies. Your term share account may or may not automatically renew at maturity as indicated on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees. If it automatically renews you will have a grace period, also indicated on the Rates and/or Fee ScheduleRate Sheet and Schedule of Fees, in which you may withdraw or transfer the funds without incurring an Early Withdrawal Penalty. If the account does not automatically renew, the Rates and/or Fee Rate Sheet and Schedule of Fees or the Account Receipt will indicate whether interest dividends will continue to accrue after maturity. Bonuses. You may receive a bonus on your term account if we offer such feature. Details of the amount of the bonus and the conditions to receive the bonus will be disclosed to you on the Rate Sheet and Schedule of Fees or at the time you open your account.