TRUTH IN SAVINGS DISCLOSURES Clause Samples

TRUTH IN SAVINGS DISCLOSURES. 1. Opening Deposit and Balance Requirements

TRUTH IN SAVINGS DISCLOSURES. This is not an interest-bearing account. No interest will be paid. • Minimum Balance Requirements. There is no initial deposit required to open an Account. You may deposit any amount you wish when opening the Account. • Transaction Limitations. Minimum and maximum withdrawal limitations apply. See the sub-section above captioned “Cash Access and Transaction Limitations.” for full information about these limits.

TRUTH IN SAVINGS DISCLOSURES this Account. Initial Deposit and Balance There is no initial deposit or minimum balance required to open Interest Rate 0.010% Annual Percentage Yield 0.01% Fees to Bank There are no fees charged by us and applicable for this Account. You may be responsible for paying fees to the Platform.

TRUTH IN SAVINGS DISCLOSURES. 1. Fees There are no fees charged on the Savings Account. 2. Opening Deposit and Balance Requirements There is no minimum deposit requirement to open a Savings Account. However, a Savings Account with a zero dollar balance for nine (9) consecutive months is subject to closure at the Bank’s discretion.

TRUTH IN SAVINGS DISCLOSURES. Rate Information: All dividend-bearing accounts are variable rate, except fixed-rate certificate accounts. The Dividend Rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The Dividend Rate and APY for certificate accounts will be paid until the first maturity date. Refer to the Savings Addendum for current rates applicable to all accounts. Accrual of Dividends: All items deposited will begin accruing dividends as of the business day of the deposit. For deposits such as non-cash, electronic and ACH, dividends will begin to accrue as of the business day that the Credit Union receives the credit for the deposit of the non-cash item. Please refer to “Determining the Availability of A Deposit” in the Funds Availability Policy for how a business day is defined. For specific dividend information, please refer to the chart that follows. Accounts closed before dividends are credited will receive accrued dividends. For certificate accounts closed prior to maturity, accrued dividends, if applicable, are credited prior to penalties being applied.

TRUTH IN SAVINGS DISCLOSURES. To obtain current rate and Annual Percentage Yield information, please call us at 1‐86‐NETSPEND/1‐ 866‐387‐7363. We reserve the right to require at any time not less than seven (7) days notice in writing before any withdrawal from your Savings Account. For purposes of this Truth‐in‐Savings Disclosure, the term "Period" refers to a calendar quarter. If your average daily balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield of 5.00%. An interest rate of 0.49% will be paid only for that portion of your average daily balance that is greater than $1,000.00. The Annual Percentage Yield for this tier will range from 5.00% to 0.54%, depending on the balance in the Savings Account. We may change the Annual Percentage Yield and corresponding interest rate at our discretion. The rate is not tied to an index. We may change the interest rate on your Savings Account at any time.

TRUTH IN SAVINGS DISCLOSURES. Initial Deposit and Balance There is no initial deposit or minimum balance required to open this Account. Interest Rate 0.00% Annual Percentage Yield 0.00% There are no fees charged by us and Fees to Bank applicable for this Account. You may be responsible for paying fees to the Platform. Fees to Bank You are not required to pay Bank any fees in connection with this Account. Transaction Limitations The Transaction Limitations for your Accounts are set forth in Section 3. As noted above, you are not responsible for paying any fees to Bank for holding this Account. You may be responsible for paying Additional Fee Disclosure fees to the Platform as provided in your agreement with Platform. You should refer to your agreement with Platform to understand how fees are charged. This is not an interest-bearing account. No interest will be paid. There is no initial deposit required to open an Account. You may deposit any amount after you open the Account.

TRUTH IN SAVINGS DISCLOSURES. Initial Deposit and Balance There is no initial deposit or minimum balance required to open this Account. Interest Rate 0% Annual Percentage Yield (“APY”) 0% Fees to Bank There are no fees charged by Bank for this Account. Transaction Limitations The transaction limitations for your Accounts are set forth in Sections E and F. Additional Fee Disclosure As noted above, you are not responsible for paying any fees to Bank for holding this Account. You may be responsible for paying fees to the Platform. The interest rate and APY is correct as of today’s date, but is subject to change at any time in our discretion, as further described in Section D.

TRUTH IN SAVINGS DISCLOSURES. Interest Rates and Annual Percentage Yields (APYs) When Interest Begins to Accrue Compounding and Crediting Interest Minimum Deposit and Balance Requirements