Account Disclosures Optimum Savings Account Rates and information effective October 1, 2015

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1 Optimum Savings Account Optimum Savings to to Up to $5,000 $5, and greater to Avoid $0.00 Other restrictions apply $ Account Maintenance Requirements. To open this product, and avoid a monthly service charge the customer must maintain an ebanking Express, Home 1st or 1st Premier checking account, perform a minimum $100 transfer from the ebanking Express, Home 1st or 1st Premier checking account to the Optimum Savings account at least once a month, and enroll in online statements. See ebanking Express, Home 1st or 1st Premier Checking account disclosure for checking account requirements. Rate Information. APY and rate disclosure above based on a $100,000 account balance. Rates are subject to change daily. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Variable Rate Information. The interest rate of the tier will be paid only for that portion of your daily balance that falls within the tier minimum and maximum. The annual percentage yield for each tier will vary, depending on the balance in the account. For example, an Optimum Savings account with a daily balance of $100,000 would earn an interest rate of 1.98% on the first $5,000. The account would earn an interest rate of 0.049% on the remaining $95,000. Minimum Required. If the minimum daily balance requirement is shown, you will earn an interest only for those Account Limitations. Limit one Optimum savings account per primary tax owner of an ebanking Express, Home 1st or 1st Premier checking account. Transaction Limitations. No more than any combination of six checks or debit card or pre-authorized, automatic or telephone transfers may be made from your savings or money market account to another 1SB deposit account of yours or to a third party in any month. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Monthly Maintenance No $100 transfer OR No active ebanking Express, Home 1st or 1st Premier Checking OR no online statements - $15.00 (must have all three services to avoid charge)

2 Preferred Savings Account Preferred Savings to to Avoid None $ $ Rate Information. Rates are subject to change daily. APY and rate disclosure above based on. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those Account Limitations. Transaction Limitations. No more than any combination of six checks or debit card or preauthorized, automatic or telephone transfers may be made from your savings or money market account to another 1SB deposit account of yours or to a third party in any month. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Monthly Maintenance Account balance below $300 (waived with active checking account) - $10.00

3 Youth Savings Account June 10, 2013 to to Avoid Youth Savings $5.00 $0.00 $5.00 Rate Information. Rates are subject to change daily. APY and rate disclosure above based on. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those days in the month when your daily balance meets the minimum requirements. Account Limitations. Transaction Limitations. No more than any combination of six checks or debit card or preauthorized, automatic or telephone transfers may be made from your savings or money market account to another 1SB deposit account of yours or to a third party in any month. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. account. Account Benefits. The following fees and charges are waived with this account. Monthly Maintenance no charge

4 Uniform Transfer To Minors Account June 10, 2013 Uniform Transfer to Minors to to Avoid $50.00 $0.00 $50.00 Rate Information. Rates are subject to change daily. APY and rate disclosure above based on. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those days in the month when your daily balance meets the minimum requirements. Account Limitations. Transaction Limitations. No withdrawals by tax payable owner prior to age 18. No more than any combination of six checks or debit card or pre-authorized, automatic or telephone transfers may be made from your savings or money market account to another 1SB deposit account of yours or to a third party in any month. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. account. Account Benefits. The following fees and charges are waived with this account. Monthly Maintenance no charge

5 ebanking High Yield Money Market ebanking High Yield Money Market to Up to $4, $5,000 - $49, $50,000 - $99, $100,000 and greater to Avoid $1, $1, Account Maintenance Requirements. Customer must have an active ebanking Express, Home 1st or 1st Premier Checking account product. If the ebanking Express, Home 1st or 1st Premier Checking account is not active, then a monthly maintenance service charge will be assessed. See ebanking Express, Home 1st or 1st Premier Checking account disclosure for checking account requirements. Rate Information. Rates are subject to change daily. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Variable Rate Information. The Annual Percentage Yield and interest rate on tiered rate accounts will change based on the account balance, as indicated by the tiers above. If the balance increases or decreases into a different tier, the new yield and rate will take effect the date the balance changes and applies to the entire balance of the account. APY and rate disclosure above based on for first tier and Minimum Tier for remaining tiers. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those Transaction Limitations. No more than any combination of six checks or debit card or pre-authorized, automatic or telephone transfers may be made from your savings or money market account to another 1SB deposit account of yours or to a third party in any month. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account. Monthly Maintenance Account balance below $1,500 (on any one or more days) - $15.00 No active ebanking Express or Home 1st or 1st Premier Checking Account - $15.00

6 Tiered Rate Money Market Tiered Rate Money Market to Up to $4, $5,000 - $49, $$50,000 - $99, $100,000 and greater to Avoid $1, $1, Rate Information. Rates are subject to change daily. We declare interest daily based on current income and available earnings after required transfers to reserves at the end of the interest period. The Annual Percentage Yield and interest rate stated above reflect the earnings 1st Security Bank of Washington anticipates having available for the applicable period. Variable Rate Information. The Annual Percentage Yield and interest rate on tiered rate accounts will change based on the account balance, as indicated by the tiers above. If the balance increases or decreases into a different tier, the new yield and rate will take effect the date the balance changes and applies to the entire balance of the account. APY and rate disclosure above based on for first tier and Minimum Tier for remaining tiers. Minimum Required. If the minimum daily balance requirement is shown, you will earn interest only for those Account Limitations. Transaction Limitations. No more than any combination of six checks or debit card or preauthorized, automatic or telephone transfers may be made from your savings or money market account to another 1SB deposit account of yours or to a third party in any month. We reserve the right to require customers to give notice in writing of any intended withdrawals from any interest bearing account of not less than 7 days and up to 60 days before such withdrawal. Withdrawals may reduce the earnings on your account, Monthly Maintenance Account balance below $1,500 (on any one or more days) - $15.00

7 SCHEDULE OF FEES AND CHARGES Consumer/Personal Accounts April 1, 2015 s and Fees Abandoned/Dormant Account $60.00 Account Overdraft Transfer from Savings Account Research Legal Claims & Orders Immigration Account Verification Balancing Account/Checkbook General Account Research $10.00/transfer $10.00/ 15 min Returned Check $10.00/item (Deposit item) Sales Draft Copy $10.00/copy (VISA Debit Card) Statement Copy $3.00 Stop Payment $30.00/stop Debit Card - 1st Debit Design Debit Card - Replace (First 2 cards per account are free) Debit Card Rush Orders ATM Use Out of Network $10.00/card $15.00/card $50.00/card $2.00/use Uncollected Funds (paid/returned item) (Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means when funds are present but not available for withdrawal) VISA/MC Cash Advance Processing Fee (Advances by phone) $35.00/item $10.00/phone adv Cancelled Check Copy Check Cashing Non-Customer cashing an on-us check Counter Checks (3 checks per page, minimum 1 page) $2.00/copy $5.00/check $3.00/ page Wire Transfer Incoming $10.00 Outgoing Domestic $20.00 Outgoing International in US funds $35.00 Outgoing International in Foreign funds $25.00 Excessive Transfers/Withdrawals $25.00/day (Per day from savings or money market account exceeding the Transaction Limitations per month.) Canadian Foreign Check Deposit HSA Annual Maintenance Fee Insufficient Funds (paid/returned item) (Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means when funds are not on deposit) IRA Annual Maintenance Fee $15.00/dep $15.00/year $35.00/item $15.00/year Legal Processing Fee $100.00/req (Requests for information from government and enforcement agencies, including, but not limited to: levies, subpoenas, and garnishments) Medallion Signature Guarantee Customer Non-Customer No charge Not available Notary Customer No charge Non-Customer (per notarization) $5.00 Official (Cashier s) Checks Customer Non-Customer $5.00/check $10.00/check