ONE MOVEMENT, ONE BANK. Online financial products and services for people who care about labor.

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1 ONE MOVEMENT, ONE BANK Online financial products and services for people who care about labor.

2 BACK IN THE DAY, HONEST MEN AND WOMEN HAD A HARDWORKING BANK THEY COULD TRUST. THAT SAME FINANCIAL PARTNER HAS BEEN REINVENTED AS THE BANK OF LABOR, WITH A UNION-OWNED, UNION- OPERATED HERITAGE DATING BACK NEARLY A CENTURY. BORN OF INTEGRITY IN THE LABOR MOVEMENT, WE ARE ONE OF THE LAST LABOR BANKS IN THE COUNTRY. THROUGHOUT THE ECONOMIC UPS MODERN BANKING FOR LABOR UNIONS Bank of Labor gives you the power to bank with your values. Founded and owned by the International Brotherhood of Boilermakers in 1924, we are the Bank of Labor. Because we understand labor, and the trials and tribulations of unions, we are more responsive to the labor movement than any other bank. If labor is your livelihood, we are your Bank of Labor, investing your money into your union endeavors and the labor movement at large. Our original mission has never been more relevant. Protect wages. Fight against big banks using their money and power to destroy unions. Modern workers need a bank to trust now more than ever and we are that bank. We are your bank. AND DOWNS, FAILURE HAS NEVER BEEN AN OPTION. WE STICK TO OUR IDEOLOGICAL GUNS, WORKING TOGETHER TO LOOK OUT FOR YOUR BEST INTERESTS. WE ARE STEADFAST, COMMITTED, GROWING AND EVOLVING TO BE YOUR UNIONIZED, VIRTUAL, ONLINE BANK THE MOST RESPONSIVE AND CONVENIENT SOLUTION FOR YOUR UNIQUE FINANCIAL NEEDS. WHAT IF YOUR HARD-EARNED MONEY HELPED TO REBUILD AMERICA? YOU HAVE A CHOICE. WORK HARD. VOTE WITH YOUR WALLET. BANK WITH LIKE-MINDED PEOPLE WHO BUILT THE INFRASTRUCTURE OF AMERICA RIGHT ALONGSIDE YOU. WE ARE THE BANK OF LABOR. BORN OF INTEGRITY. FORGED BY HARD WORK. BUILT TO LAST.

3 Business Savings This affordable savings account earns a competitive interest rate and complements our business checking accounts. This account can be linked to the business checking account and used to provide overdraft protection up to the savings account balance amount. BUSINESS BANKING At Bank of Labor, we understand that businesses have different banking needs. We offer straightforward accounts that help you keep your money productive and your business profitable. From checking accounts to business lending, treasury management, trust and fiduciary services, we offer a full range of products and services to meet to your business needs. Business Checking Not all locals, lodges and businesses are alike; some need a checking account with a range of features, while others just need a simple, cost-effective transaction account. At Bank of Labor, you can choose a Premium or Primary account, depending on your business needs. All of our accounts offer 24/7 online access, so your bank is always open! Premium Business Checking Our Premium Business Checking solution is designed for accounts with higher balances and large transaction volume. Unlimited transactions Earnings credit that is indexed to the T-Bill* and designed to maximize the collected balances in the account Monthly detailed analysis statement Full range of online money management and treasury service options *Indexed to the 91-day Treasury Bill or.25 basis points, whichever is higher. Primary Business Checking This checking account is designed for lower balance accounts with smaller transaction volume. 200 free transactions per statement cycle; a small fee applies to any transactions thereafter No monthly maintenance fees Competitive interest rates Up to six transfers allowed per statement cycle; a small fee applies for more than six transfers No monthly maintenance fees with $100 average daily balance for the statement cycle Access your funds at any time Money Market This money market account features a tiered rate structure, so larger balances earn a higher rate while ensuring you have access to your funds when needed. Competitive, variable interest rates Up to six transfers allowed per statement cycle; a small fee applies for more than six transfers No monthly maintenance fees with $1,000 average daily balance for the statement cycle Access your funds at any time Additional Depository Services We understand that there is much more to business banking than checking and savings accounts. Bank of Labor offers several additional depository services with our business accounts, making your banking experience more simple and convenient. Returned deposited items options Stop payment Wire transfer incoming and outgoing Online statements and check images Electronic Services Our electronic banking services give you 24/7 access to a variety of powerful business tools all in a fully secure environment. Online Banking Business ebanking With online access to your accounts at any time, you can conveniently check balances, view transactions, transfer funds and more. Business Bill Pay Bank of Labor s business bill pay service allows you to pay any company or individual in the U.S. directly from your business or personal checking account.

4 estatements Electronic versions of your Bank of Labor statements are available in the safety and security of our online banking system. Go green, save paper and have up-to-the-minute control of your account records. Free ATMs Don t live near a Bank of Labor ATM? No worries and no fees for Bank of Labor account holders who use any one of more than 16,000 NYCE/MoneyPass ATMs. These ATMs are located at participating retail stores and financial institutions throughout the U.S. Business Visa Debit Card The business Visa debit card is a useful tool to manage everyday spending. Use your business debit card to pay bills, buy gas or shop online. Your Visa debit card is a great way to facilitate purchases, as well as withdraw cash at the ATM. Use your business debit card at the ATM to manage your funds, check your balance, make deposits and withdrawals Custom spending limits available for each card issued Charges immediately deducted from your account no interest charges or outstanding balances to pay Superior security and fraud protection with 24/7 transaction monitoring Business Visa Credit Card With Bank of Labor s business Visa credit card, you have a flexible payment option for everyday shopping, bill payments, entertaining or any other purchases you need to make. Travel Accident Insurance accidental death and dismemberment insurance protection for you and your employees when traveling by common carrier Vision care and prescription discounts Travel reservation service, auto rental insurance and bonus travel dividends Earn points for qualifying purchases with ScoreCard Rewards. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages and more. Falcon Fraud Protection monitoring service that reviews each credit card transaction that is processed. If a transaction is determined to be potentially fraudulent, Falcon will attempt to contact you to validate the transaction. BUSINESS LENDING Bank of Labor has earned its reputation as a leader in union business banking by understanding the needs of labor unions. We can tailor a wide range of flexible fixed- and floating-rate loans and lines of credit, and help you find the right loan for your needs. Commercial Real Estate Loans Whether you are looking to construct, renovate or acquire a building, Bank of Labor has a team of professional lenders standing by. We offer programs with terms and rates custom designed for the unique needs of unions, union contractors and owners. Interest rates have dropped, so let us review your current loans and see if the Bank of Labor can help you refinance. Equipment Financing Loans When new opportunities arise, so does the need for additional equipment. Helping unions, union contractors and owners with loans to meet these needs is one of our greatest strengths. Whether it s a vehicle, office equipment, or training equipment, we offer competitive rates, flexible terms and a hassle-free process. Business Line of Credit Having financial resources readily available is often vital when a new opportunity or need is presented. That s why we offer lines of credit to help unions, union contractors and owners be prepared. This kind of financing solution enables ongoing access to a revolving credit line as needed for cash flow or purchasing needs.

5 TREASURY MANAGEMENT SERVICES At Bank of Labor, we understand that controlling your cash flow is a vital part of your business s overall health and profitability. We offer a range of treasury management services that are designed to control costs, improve cash flow and simplify accounting. ACH Bank of Labor s ACH program provides a secure, reliable and efficient process for transferring funds. This program works within business online banking to streamline your payment processing and help you get paid faster. Speed collection on receivables Automate payroll processing Improve the remittance process for your customers Positive Pay Positive Pay is an excellent tool to reduce check fraud. When you provide Bank of Labor with a check/ach issue file, all items presented to the bank are compared with this file and only the items you authorize are paid. ACH Debit Block The ACH debit block service allows transactions to be blocked based upon criteria that you define. Blocked items can be viewed in online banking, allowing you to make decisions on blocked items and update criteria at any time. Your updates are automatically synced with the ACH processing system. Account Reconciliation Our account reconciliation module offers full and partial deposit reconciliation features. Bank of Labor will establish the reconciliation cycle and delivery method for the service according to your unique needs. With full reconciliation, you can manually enter or import check issue data, update check issues and view/print/export reconciliation reports through online banking. Remote Deposit Capture eteller Remote deposit capture allows you to easily deposit checks into your Bank of Labor account without having to leave your office. Using a small, portable scanner, checks are converted to images for faster payment. You save the time and expense of going to the bank. Zero Balance Account A zero balance account is a useful money management tool that lets you segregate transactions and transfer funds into other accounts to maximize the use of your capital. A Bank of Labor representative is only a phone call away and can explain how this tool could benefit your business. Lock Box Services Simplify collection and processing of account receivables with Lock Box Services. Payments are sent to a P.O. Box, and the Bank of Labor collects these payments and processes them. Payments and payment information are deposited directly into the designated account(s). Lock Box Services are provided on a wholesale and retail basis with the most expeditious mail collection times in the country. Repurchase Agreement In a repurchase agreement, Bank of Labor sweeps funds in a pre-agreed amount (account balance threshold) into an account secured with government-issued collateral (i.e., Federal Home Loan Bank obligations) that has been reassigned to your business. All deposits above and beyond the amount insured by the Federal Deposit Insurance Corporation may be secured by investments in the bank s portfolio. Bank of Labor may pledge the following types of securities, among others, for the safekeeping and payment of deposits: Bonds or other obligations of the United States Bonds or other obligations of any of the state, city, county, or school districts of Missouri State bonds of other states Bonds guaranteed as payment of principal and interest by the government of the United States or any agency or instrumentality thereof Merchant Services Members and your customers will enjoy the convenience, accessibility and simplicity of paying with a bank card. At Bank of Labor it is our goal is to take the confusion out of credit card processing. So we ve designed our merchant products and services with that in mind. Payment solutions for both in-person and online transactions Integrated terminals Debit solutions Competitive rates Superior personal attention

6 Bonds We offer institutional investors access to a full range of high-quality tax-free and taxable fixed-income investments, including U.S. treasury and agency obligations, asset-backed securities, and corporate and municipal bonds. TRUST SERVICES Trusts are excellent tools for protecting and transferring assets. When you create a trust, you establish a legal entity to handle a specific part of your financial estate. At Bank of Labor, our trust officers have extensive experience with asset management and operate with strict adherence to all state and federal regulations. We will help you determine the best option for your circumstances and financial goals. Custodial Accounts A custodial account gives you the ability to make your own investment decisions without all the tedious details of investing. Bank of Labor offers custodial account services with a variety of convenient benefits. Protect your securities against physical loss, theft, fire or neglect Provide further protection against two-pronged audits and examinations by internal auditors and government authorities Purchase or sell securities according to your direction or investment plan Maintain complete, up-to-date records of your account Prepare account statements with details of all trades and transactions during the statement period Complete information for tax returns Personalized service with prompt, accurate and professional response to your questions Investments At Bank of Labor, you can expect objective advice, along with a wide choice of investment solutions. We can help you create a customized investment portfolio based on your unique needs, risk tolerance and long-term objectives. Solid risk management techniques Disciplined asset allocation Tax-efficient investing when appropriate Equities Bank of Labor can work as your equity advisor in two ways. We can take a fully managed approach, where we have full discretion and manage the equity assets according to investment guidelines that you establish. Using this model, we will meet with you regularly to review investment performance. Or, if you prefer, we can act as an advisor and make investment recommendations, but you have control of the final buy and sell decisions. Mutual Funds At Bank of Labor, we take an honest, straightforward approach to helping people understand investment options. We offer dozens of rigorously screened, highquality mutual funds from America s best-known companies. We will analyze your situation and help you find the right mix of assets to match your financial goals. Stock funds International funds Government funds Asset allocation funds Secure Investment Program Bank of Labor understands that union general funds often have specific banking requirements. For example, many local unions require that all general funds be deposited in FDIC or government-insured investments. Bank of Labor offers laddered portfolios of high-yielding, FDIC-insured certificates of deposit selected from financial institutions across the U.S. in order to meet your investment requirements and objectives. Personal Trust Services Creating a trust is a collaborative effort between you, your Bank of Labor trust advisor, and your tax and estate lawyers. Personal trust services can help you control how assets are distributed, reduce taxes and transfer costs, protect your assets, and create a lasting financial legacy. Bank of Labor can help you establish and maintain the type of trust that best meets your needs. Testamentary Trusts Living Trusts Irrevocable Trusts Charitable Trusts Securities are not insured by the FDIC; Not deposits or other obligations of Brotherhood Bank & Trust; Not guaranteed by Brotherhood Bank & Trust; Subject to investment risks, including possible loss of the principal invested.

7 FIDUCIARY SERVICES RETIREMENT SERVICES Bank of Labor offers fiduciary services that allow the bank to act on a person s behalf in order to make important financial decisions. Bank of Labor offers a full range of individual retirement accounts. The type of investment vehicle you choose depends on many factors, including size of the fund, risk tolerance and your personal needs. We can analyze your situation and give you the advice you need to set up the account that s right for you. Conservatorships A conservator is a court-appointed person who manages the property of a minor or dependent. Bank of Labor can act as your conservator, providing professional investment management and administrative expertise. Estate Settlements Bank of Labor s trust officers are experts at settling estate issues, including probate procedures, federal and state tax laws, accounting principles and investment management. In addition to our business expertise, you can depend on us to handle these sensitive matters with sympathy, integrity and consideration of all parties involved. Traditional IRA Roth IRA Simplified Employee Pension Defined Contribution Plans Defined Benefit Plans Securities are not insured by the FDIC; Not deposits or other obligations of Brotherhood Bank & Trust; Not guaranteed by Brotherhood Bank & Trust; Subject to investment risks, including possible loss of the principal invested.

8 UNION MEMBER BANKING As a bank that is operated by and for union members, Bank of Labor uniquely understands the banking needs of our fellow members. We offer affordable checking and savings accounts, as well as investments. Checking Accounts Bank of Labor has a full line of personal checking accounts featuring: Free online banking with the option to aggregate financial products from non- Bank of Labor online accounts Free electronic statements (paper statements available at a small charge) Free ATM transactions at over 16,000 NYCE/MoneyPass ATMs Free bill pay Person-to-person payment solution (available for a nominal transaction fee) Free mobile banking (app or browser based) pay bills, transfer funds, locate ATMs and check balance and transactions all from your mobile device Free debit/atm card(s) with new account Savings Account Competitive interest rates Up to six transfers allowed per statement cycle; fee applies for more than six transfers No monthly maintenance fees with $100 average daily balance for the statement cycle Access your funds at any time 24/7 online account access Money Market Accounts This money market account features a tiered rate structure so larger balances earn a higher rate while ensuring you have access to your funds when needed. Competitive, variable interest rates Up to six transfers allowed per statement cycle; a small fee applies for more than six transfers No monthly maintenance fees with $1,000 average daily balance for the statement cycle Access your funds at any time 24/7 online account access Union Privilege Program Referral Lending and credit card programs, available through Union Privilege, offer participating unions superb member benefits that are supported by Bank of Labor. These consumer-level benefits complement Bank of Labor services to local lodges, international unions and other labor bodies. Bank of Labor employees refer inquiries about consumer-level financial services such as credit card applications, auto loans, and mortgage loans to Union Privilege. The bank s website includes a direct link to Union Privilege online. Bank of Labor Regular Checking Non-interest-bearing account No monthly maintenance fee Free electronic statements (paper statements available at a small charge) Bank of Labor Interest Checking A tiered interest-bearing account that pays higher rates for higher balances No monthly maintenance fee if the balance in the account does not fall below $1,000 Free electronic statements (paper statements available at a small charge)

9 Member FDIC LABOR ( )