Regular Share Account Custodial Savings Account Vacation/Holiday Savings Account Trust Savings Account. High Yield Savings Account

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1 Heading Rate Schedule or Title The rates and terms applicable to your account at Proponent are provided in this Rate Schedule. Regular Share Account Custodial Savings Account Vacation/Holiday Savings Account Trust Savings Account Minimum Opening Deposit $50.00 High Yield Savings Account Average $0 $ $1,000 + IRA Savings Account Education IRA Account ROTH IRA Savings Account ROTH IRA Savings Account Average $0 $9, $10,000 $24, $25,000 $49, Minimum Opening Deposit $

2 Money Market Account Average $0 $2, $2,500 $9, $10,000 $49, Minimum Opening Deposit $2, Minimum Balance to avoid a monthly service fee $2, Pro Checking E-Pro Checking Minimum Opening Deposit Pro 60 Checking Month Month Minimum Opening Deposit Minimum Balance to earn the stated APY* $2, Proponent Platinum Checking Average $0 $9, $10,000 $49, Minimum Opening Deposit $2, Minimum Balance to avoid a monthly service fee $2,

3 Regular / IRA Certificate (1) Account TERM, RATE & Term At Maturity At Maturity ACCOUNT DETAILS Additional Deposits Not Allowed Withdrawals See Note 1 Renewable Automatic Regular / IRA Certificate (2) Account TERM, RATE & Term Quarterly Quarterly Calendar Quarter ACCOUNT DETAILS Additional Deposits Not Allowed Withdrawals See Note 1 Renewable Automatic 3

4 TRUTH-IN-SAVINGS ACCOUNT DISCLOSURES Except as specifically described, the following disclosures apply to all of the accounts. RATE INFORMATION - SHARE ACCOUNTS, SAVINGS ACCOUNTS, HIGH YIELD SAVINGS, IRA SAVINGS, MONEY MARKET ACCOUNT AND CHECKING ACCOUNTS. For Regular, Custodial Shares, Regular and Trust Savings, IRA Savings Accounts, and Checking Accounts, the Dividend Rate and Annual Percentage Rate may change monthly as determined by the Credit Union s Board of Directors. For our Money Market Account and High Yield Savings Account, the Dividend Rate and may change weekly as determined by the Credit Union. The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. The High Yield Savings Account, Money Market Account, IRA Savings and the Proponent Platinum Checking Accounts are Tiered Rate Accounts. For the High Yield Savings Account, if your average daily balance is $ or below during the dividend period, the first Dividend Rate and listed for this account will apply. If your account is greater than$1,000.00, the second Dividend Rate and will apply. For the Money Market Account, if your average daily balance is $2, or below during the dividend period, the first Dividend Rate and listed for this account will apply. If your account balance is $2, to $9,999.99, the second Dividend Rate and will apply. If your account balance is $10, to $49,999.99, the third Dividend Rate and will apply. If your account balance is greater than $50,000.00, the fourth Dividend Rate and Annual Percentage Yield will apply. For the IRA Savings, Education IRA, Roth IRA Savings and Roth IRA Conversion Accounts, if your average daily balance is $9, or below during the dividend period, the first Dividend Rate and listed for this account will apply. If your average daily balance is $10, $24, during the dividend period, the second Dividend Rate and will apply. If your average daily balance is $25, $49, during the dividend period, the third Dividend Rate and Annual Percentage Yield will apply. If your average daily balance is $50, or more during the dividend period, the fourth Dividend Rate and will apply. NATURE OF. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. COMPOUNDING AND CREDITING. The compounding and crediting of dividends applicable to each account is set forth in the Rate Schedule. The Dividend Period begins on the first calendar day of the Dividend Period and ends on the last calendar day of the Dividend Period. ACCRUAL OF. For all accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. BALANCE INFORMATION. The minimum balance requirements applicable to each account are set forth in the Rate Schedule. For all accounts, dividends are calculated by the method which applies a daily periodic rate to the principal in the account each day. FEES AND CHARGES. Fees and charges may be assessed against your account. Refer to Proponent s Fee Schedule for current rates and fees. REGULATION D. This regulation was implemented by the Board of Governors of the Federal Reserve System, whose job is to ensure that financial institutions maintain adequate reserves for the funds they have on deposit. It limits the number of pre-authorized, automatic or phone transactions you make each month on a deposit account to a maximum of six. TRANSACTION LIMITATIONS. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union. MATURITY. Your account will mature as indicated on this Rate and Fee Schedule or on your Account Receipt or Renewal Notice. The rates and fees appearing in this Schedule are accurate and effective for deposit accounts as of the Last Dividend Declaration Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your account, please call the Credit Union. For the Proponent Platinum Checking Account, if your average daily balance is $9, or below during the dividend period, the first Dividend Rate and listed for this account will apply. If your average daily balance is $10, $49, during the dividend period, the second Dividend Rate and Annual Percentage Yield will apply. Finally, if your average daily balance is $50, or more during the dividend period, the third Dividend Rate and will apply. Once a particular account balance range is met, the Dividend Rate and for that balance range will apply to the full balance of your account. 4

5 INFORMATION Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date. Amount of Penalty. For Regular/IRA Certificate (1) and Jumbo/IRA Jumbo Certificate (1) accounts, the amount of the early withdrawal penalty for your accounts is 90 days dividends. For Regular/IRA Share Certificate (2) accounts, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: Terms of 12 months or less Terms of over 12 months 90 days dividends 180 days dividends How the Penalty Works. The penalty is calculated as a forfeiture of part of the dividends that have been or would be earned on the account. It applies whether or not the dividends have been earned. In other words, if the account has not yet earned enough dividends or if the dividend has already been paid, the penalty will be deducted from the principal. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances: When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is a Keogh Plan (Keogh) provided that the depositor forfeits an amount of at least equal to the simple dividends earned in the amount withdrawn; or where the account is an IRA or Keogh and the owner attains age 59 1/2 or becomes disabled. Bylaw Requirements. A member who reduces his share balance below the par value of one share and does not increase the balance to at least the par value of one share within 6 months of the reduction may be terminated from membership at the end of the dividend period. Shares may be transferred only from one member to another, by written instrument in such form as the Credit Union may prescribe. The Credit Union reserves the right, at anytime, to require members to give, in writing, not more than 60 days notice of intention to withdraw the whole or any part of the amounts so paid in by them. No member may withdraw share holdings that are pledged as required on security on loans without written approval of the Credit Union, except to the extent that such shares exceed the member s total primary contingent liability to the Credit Union. No member may withdraw any share holdings below the amount of his/her primary or contingent liability to the Credit Union if he/she is delinquent as a borrower, or if borrowers from whom he/she is comaker, endorser, or guarantor are delinquent, without the written approval of the Credit Union. Par Value of Shares; Dividend Period. The par value of a regular share in this Credit Union is $50. The dividend period of this Credit Union is monthly. National Credit Union Share Insurance Fund. Member accounts in this Credit Union are federally insured by the National Credit Union Share Insurance Fund. Renewal Policy. The renewal policy for your accounts is indicated on the reverse side. For Regular/IRA Certificate (1) and Regular/IRA Certificate (2), your account will automatically renew for another term upon maturity. For Regular/IRA Certificate (1) and Regular/IRA Certificate (2), you have a grace period of five (5) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with Proponent. The rates and fees appearing in this Schedule are accurate and effective for deposit accounts as of the Effective Date indicated on this Rate and Fee Schedule. If you have any questions or require current rate and fee information on your accounts, please call us today. 5