A Guide to Our Savings Account

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1 A Guide to Our Savings Account EFFECTIVE JANUARY 1, 2017 PurePoint Financial is a division of MUFG Union Bank, N.A. Deposits of PurePoint Financial and MUFG Union Bank, N.A. are combined and not separately insured for FDIC insurance purposes. A summary of important changes (Notice of Change) is located at the end of this document. WELCOME TO PUREPOINT FINANCIAL Our business model is designed to deliver records to you electronically. Please note that you need to agree to our E-Sign Consent, maintain a valid address, and enroll in and maintain your online banking status with us; otherwise, your account will be closed. Your account will also be closed if you revoke your consent to our E-Sign Consent. About this Product Guide This document is one of several that you receive when opening an account with PurePoint Financial. It includes important facts about the features of your savings account, so please read it carefully and keep it with your bank records for future reference. Using your Account When you open an account, you agree that it s your responsibility to keep track of your transactions and the Available Balance in your account. For more detailed information about using your account, see All About Personal Accounts & Services Disclosure and Agreement (Account Agreement). For help managing your account 24/7, PurePoint Financial Online and Mobile Banking services make it easy to keep track of your balance, anytime and anywhere. To enroll in these services, visit purepoint.com. 1

2 The following disclosures apply to: Online Savings Accounts and PurePoint Savings Accounts Minimum Deposit to Open Account: $10,000 Balance Required to Maintain the Account: A balance greater than zero is required to maintain the account. Minimum Balance to Obtain Annual Percentage Yield: For tiered minimum balances and corresponding Annual Percentage Yields, refer to our Savings Account Rates. You need to maintain the minimum balance reflected in the account each day to obtain the disclosed Annual Percentage Yield. Interest: At our discretion, your Interest Rate and Annual Percentage Yield may change as often as daily without notice. We may change the Interest Rate on your account at any time. Your account is a tiered rate account. The applicable Interest Rate and Annual Percentage Yield applied to the entire balance in your account will be determined by the daily balance in your account. For example, if your daily balance is $10,000 or more, the Interest Rate and Annual Percentage Yield disclosed for this tier will be paid to the entire balance of your account. Rate Information: See our Savings Account Rates. Deposits: Cash deposits are not accepted. Withdrawals: Pursuant to federal regulation, we reserve the right to require 7 days advance written notice prior to withdrawal. Withdrawals will reduce earnings. Cash withdrawals are not permitted. Compounding and Crediting: Interest will be compounded on a daily basis. Interest will be credited to your account on a monthly basis. Effect of Closing an Account: If you close your account before interest is credited, interest will be paid up to (but not including) the closing date. Balance Computation Method: We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrued Interest on Noncash Deposits: Interest begins to accrue on the Business Day you deposit noncash items (for example, checks). Fees: See our Personal Accounts Fee Schedule. Transaction Limitations: Transactions are limited by federal regulation. This account is limited to no more than 6 limited transfers and/or withdrawals (subject to Available Balance) per statement period by preauthorized transfer (includes ACH or wire) to another payee or institution, including MUFG Union Bank, N.A., online banking transfer, automatic transfer to another PurePoint Financial account (including Financial Center Kiosk transfers), or telephone transfer. Your Financial Center kiosk transfers will be treated as online banking transfers for this purpose and will count toward the 6 limited transactions. If you exceed these limitations, we may refuse to honor the excessive transactions, remove your transfer privileges, or close the account without prior notice. We may impose a $10 Excess Activity Fee for each limited transaction exceeding the limits; maximum $50 per statement period. If your account is closed as a result of excessive transactions, you will not be able to open another savings account with us, or a savings 2

3 account or money market account with MUFG Union Bank, N.A., for 12 months from the time the account is closed. ATM Cards: ATM cards are not available for PurePoint accounts. Overdraft Protection: PurePoint savings accounts may not be used as overdraft protection for your MUFG Union Bank, N.A. checking accounts or other accounts. Other: To be eligible to open and maintain this account you need to agree to our E-Sign Consent, which means that you will receive certain communications from us electronically, including periodic statements. 3

4 Personal Accounts Notice of Change in Account Terms Important Information About Your PurePoint Financial Accounts This Notice of Change ( Notice ) amends the following documents, as applicable A Guide to Our Savings Account A Guide to Our Certificates of Deposit All About Personal Accounts & Services Disclosure and Agreement Online Banking Service Agreement and any other addenda to the foregoing documents (Agreements). Specifically, the items listed below in this Notice reflect our changes to the Agreements. All other terms and conditions of the Agreements will remain the same and will continue to remain in effect. Unless otherwise noted, provisions of this Notice are effective January 1, If there is any discrepancy between this Notice and the Agreements, this Notice shall be controlling (only to the extent of the discrepancy). Your continued use or maintenance of your PurePoint account or Mobile Check Deposit service constitutes your consent to the terms of this Notice. A Guide to Our Savings Account In the Interest section, language has been added to clarify how we may change balance ranges within each interest rate tier, to read as follows: Interest: At our discretion, your Interest Rate and Annual Percentage Yield may change as often as daily without notice. We may change the Interest Rate on your account at any time. Your account is a tiered rate account. The applicable Interest Rate and Annual Percentage Yield applied to the entire balance in your account will be determined by the daily balance in your account. At our discretion, we may change balance ranges within each interest rate tier and may apply the same interest rate tier to more than one (1) balance range. For example, if your daily balance is $10,000 or more, the Interest Rate and Annual Percentage Yield disclosed for this tier will be paid to the entire balance of your account. In the Transaction Limitations section, language has been added to the below two paragraphs for mobile banking transfers, as well as additional language related to trial deposits, to read as follows: Transaction Limitations: Transactions are limited by federal regulation. This account is limited to no more than 6 limited transfers and/or withdrawals (subject to Available Balance) per statement period by preauthorized transfer to another payee or institution, including MUFG Union Bank, N.A. (includes ACH or wire), 4

5 online banking transfer, mobile banking transfers, automatic transfer to another PurePoint Financial account, or telephone transfer. Your Kiosk transfers will be treated as online banking transfers for this purpose and will count toward the 6 limited transactions. Note: Your other institution may make two small trial deposits to your PurePoint account to verify ownership. At their discretion, they may also withdraw these trial deposits. Please keep in mind that federal regulation requires us to count the withdrawal(s) toward your six (6) limited transfers and/or withdrawals from your PurePoint savings account per statement period. We may impose an Excess Activity Fee for each limited transaction exceeding the limits. A Guide to Our Certificates of Deposit In the Interest section, interest rate paid language is revised, to read as follows: Interest: The Interest Rate and corresponding Annual Percentage Yield are set at our discretion and are based on market conditions and other business factors, the account balance, and the maturity term of the CD. The Interest Rate is fixed for the applicable term. You will be paid this Interest Rate up to the maturity date. The Interest Rate and Annual Percentage Yield assume interest remains on deposit until maturity. See our Certificates of Deposit Rates. In the PurePoint Best CD Rate Guarantee section, the title is changing to PurePoint Best Rate Commitment and new language has been added to include CD renewals, to read as follows: PurePoint Best Rate Commitment: When you fund your new CD within 10 days of a completed application, you will receive our best rate offered during that 10-day period for the same product and term. When you renew your CD for the same product and term, you will receive our best rate offered during your 10-day grace period. In the Grace Period section, language has been revised including transaction restrictions and term changes during grace, to read as follows: Grace Period: You have 10 calendar days beginning on the maturity date to withdraw funds without penalty. If you withdraw all of your funds during the grace period, your account will not earn interest after the maturity date. If you make a partial withdrawal during the grace period, your existing term and maturity date established when the account automatically renewed will remain in place, and will renew at the Interest Rate in effect on the maturity date. Please note that you are only allowed one deposit or withdrawal during the grace period. When your account renews, it must continue to meet our then current minimum opening balance requirement applicable to the account. If you make a term change (e.g. change from a 12-month to an 18-month term) during the grace period, the grace period ends and your CD will renew at the Interest Rate in effect for the new selected term beginning on that day. All About Personal Accounts & Services Disclosure and Agreement In the DEFINITIONS YOU SHOULD KNOW section, the definition for Statement Average Daily Balance is revised, to read as follows: Statement Average Daily Balance The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. 5

6 In the USING YOUR ACCOUNT section, Endorsements subsection, language was added to clarify items sent for collection, to read as follows: If we accept an Item for collection: We will send it to the institution upon which it is drawn, and we may, at our sole discretion, provide provisional credit to your account until the funds are collected from that institution. In the FUNDS AVAILABILITY section, the below information has been revised to include such changes as special rules for certificates of deposit, and a correction to the cutoff time for mobile check deposits, to read as follows: Funds Availability Policy Your Ability to Withdraw Funds. We do not accept cash deposits or withdrawals from your accounts. Our policy is to delay the availability of funds from your check deposits and electronic funds transfers as explained under Availability Timeframes below. During the delay, you may not withdraw the funds from your account. Once they are available, you can withdraw the funds in the form of a cashier s check or electronic funds transfer. Please keep in mind, however, that after we make funds available to you and you have withdrawn the funds, you are still responsible for checks, including Mobile Deposits you deposit that are returned to us unpaid. For determining the availability of your deposits, every day is a Business Day except Saturdays, Sundays, and federal holidays. Checks deposited using one of our Kiosks before 5:00 p.m. (Central and Eastern Time) on a Business Day will be considered deposited that Business Day. Check deposits mailed to PurePoint Financial are considered deposited on the Business Day on which the deposit is removed from our P.O. Box and is available for processing. Deposits received after the cutoff or on a non-business Day will be deemed received on the next Business Day. For example, a deposit made on Saturday is deemed received on Monday. Unless otherwise noted, this Funds Availability Policy applies to electronic funds transfers, checks deposited at a Kiosk, or checks deposited by mail addressed to PurePoint Financial. Mobile check deposit availability can be found in the section titled Mobile Deposits below. Certificate of deposit check availability can be found in the section titled Special Rules for Certificate of Deposit (CD) check deposits below. Checks may not be deposited in person. This Funds Availability Policy does not apply to checks drawn on banks located outside the United States or checks drawn in foreign currency. Availability Timeframes Same-Day Availability. Funds from the following deposits are available on the Business Day we receive the deposit: Electronic direct deposits to your account Wire transfers Next-Day Availability. Funds from the following check deposits to a savings account are available on the first Business Day after the day of your deposit: U.S. Treasury checks and U.S. Postal Service money orders that are payable to you On-us checks (checks drawn on MUFG Union Bank, N.A.). Note: On-us checks cannot be accepted inperson at PurePoint Financial Centers, therefore next-day availability does not apply. Mobile Deposits. Checks deposited using Mobile Deposit before 7:00 p.m. (Eastern Time) on a Business Day will be considered deposited that day. Deposits received after the cutoff or on a non-business Day will be deemed received on the next Business Day. For example, a deposit made on Saturday is deemed received on Monday. For check deposits made to a savings account, funds will generally be available on the 4th Business Day after the Business Day we receive your deposit (see section below for check deposit availability for CDs). In some cases we may delay availability of your deposit until the 7th Business Day after the Business Day of your deposit. Funds availability rules set forth in Federal Reserve Regulation CC do not apply to checks deposited using Mobile Deposit. See also your Online Banking Service Agreement for more information. 6

7 EFFECTIVE JANUARY 19, 2018, the following is added to our Funds Availability Policy: Special Rules for Certificate of Deposit (CD) check deposits. Funds from check deposits made to a CD via Kiosk, lockbox, or mobile device have different availability rules than those outlined above: New Customers The entire deposit amount will be available on the 7th Business Day after the day of deposit. Existing Customers Amounts $5,000 and under will be available on the 4th Business Day after the day of deposit. Amounts over $5,000 will be available on the 7th Business Day after the day of deposit. In the Withdrawals section, the following subsection paragraphs have been revised: How we identify authorized signers: Your electronic account opening record identifies who is authorized to make withdrawals, transfer funds, stop ACH payments, obtain other supporting services (e.g., electronic funds transfer services or wire transfers), and otherwise give us instructions regarding your account. Any one account Owner or authorized signer can withdraw part or all of the money, subject to the terms and conditions of this Account Agreement, without the signature or permission of the other account Owners or authorized signers. The foregoing holds true even if the withdrawal is conducted by an account Owner who is a minor. Transaction Limitation for Savings Accounts Transactions involving savings accounts are limited by federal regulation. You may make no more than 6 limited transfers and/or withdrawals (subject to Available Balance) per statement period by preauthorized transfer to another payee or institution, including MUFG Union Bank, N.A. (includes ACH or wire), online banking transfer, mobile banking transfers, automatic transfer to another PurePoint Financial account, or telephone transfer. Your Kiosk transfers will be treated as online banking transfers for this purpose and will count toward the 6 limited transfers. Note: Your other institution may make two small trial deposits to your PurePoint account to verify ownership. At their discretion, they may also withdraw these trial deposits. Please keep in mind that federal regulation requires us to count the withdrawal(s) toward your six (6) limited transfers and/or withdrawals from your PurePoint savings account per statement period. We may impose an Excess Activity Fee for each limited transaction exceeding the limits. In the Electronic Funds Transfers section, the following section paragraphs have been added for ACH transfers, to read as follows: Automated Clearing House (ACH) Services ACH is a method of processing electronic Items transactions to and from your bank accounts. ACH transactions refer to ACH debits, ACH credits, or both ACH debit and credit transactions ( ACH Transactions ). Applicable Law Regarding ACH Transfers You agree that each ACH Transaction on your account is subject to NACHA - The Electronic Payments Association s Operating Rules and any local ACH rules, as these may be amended from time to time. You agree that we may rely on the representations and warranties contained in these Operating Rules, and may either debit or credit your account as instructed by the originator of the ACH Transaction. ACH entries originated or received on your behalf may be transmitted through one or more ACHs. Your rights and obligations regarding these transfers are governed by applicable law. ACH Provisional Payment How your account is credited: When an ACH transfer is made, credit for the transfer is provisional (temporary) until final payment is received by the payee s financial institution. Until that happens, the party originating the transfer is not considered to have made payment to the payee, and the payee s bank is entitled to a refund of the provisional credit, even if you have already withdrawn some or all of the funds. 7

8 How this affects your account: If we give you provisional credit for an ACH transfer but do not receive final payment, we may charge your account for the full amount without prior notice or demand. Notice of Incoming Transfer When we give notice of an ACH transfer: We are not required to give you a separate notice of our receipt of an ACH transfer. If we accept ACH credits to your account, you will receive notice of the credit on your next regular periodic statement. About notices for non-ach transfers: Although we may send notice of a non-ach incoming funds transfer (e.g., a wire), we assume no obligation to do so. How to check that a transfer has occurred: Contacting our Client Support Center, Telephone Banking service, or through Online Banking. In the Electronic Funds Transfers section, the following subsections have been revised, to read as follows: Our Liability for Failing to Make Transfers If we do not complete an electronic funds transfer to or from your account on time or in the correct amount according to our Account Agreement with you, we will be liable for your losses or damages proximately caused by us. There are some exceptions. We will not be liable if: Through no fault of ours, you do not have enough Available Funds in your account to make the transfer Circumstances beyond our control (such as fire, earthquake, flood, water damage, power failure, strike, labor dispute, computer breakdown, rolling blackout, telephone line disruption, or natural disaster) prevent or delay the transfer despite reasonable precautions taken by us If the Kiosk or other system was not working properly and you knew about the breakdown when you started the transfer The funds in your account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal We have reason to believe the transaction may not be authorized by you The information supplied by you or a third party is incorrect, incomplete, ambiguous, or untimely There may be other exceptions stated in this Account Agreement with you. Your Liability for Unauthorized Electronic Funds Transfers By giving your PIN or other access code to another person, you take responsibility for all transactions made by that person or by anyone else to whom that person gives the PIN or access code, directly or indirectly, until you notify us to cancel your electronic service. Tell us AT ONCE if you believe your access codes, including your PIN, have been lost or stolen, or if you believe that someone has transferred or may transfer money from your account without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within 2 Business Days after you learn of the loss or theft of your access codes, including a PIN, you can lose no more than $50 if someone used your PIN without your permission. If you do NOT tell us within 2 Business Days after you learn of the loss or theft of your access codes, including a PIN, and we can prove we could have stopped someone from using your access code(s) without your permission if you had told us, you could lose as much as $500. 8

9 Also, if your statement shows transfers that you did not make, including those made by access code, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, delivered, or otherwise made available to you, you may not get back any money you lost after the 60-day period if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. In the Telephone Banking Services section, Telephone Banking Transfer Dollar and Frequency Limitations subsection, the transfer information was removed and added to a separate section called Transfer Dollar and Frequency Limitations, to read as follows: Telephone Banking Transfer Dollar and Frequency Limitations Please refer to the section titled Transfer Dollar and Frequency Limitations below. A new section called Transfer Dollar and Frequency Limitations was added, which includes the transfer limits for all channels, to read as follows: Transfer Dollar and Frequency Limitations Internal Transfers: Provided you have sufficient Available Funds in your account, there is no dollar limit on the transfers you make between your accounts at PurePoint Financial. External Account Transfers: The following dollar limits are aggregated and applied across all channels including when accessed using your personal access device, Online Banking, Mobile Banking, at a Kiosk, and Telephone Banking requests. Initial account funding transactions may not have the same limitations. Transfers from your external accounts to your PurePoint Financial accounts are limited to $250,000 per Business Day, and $1,000,000 per 30 calendar day rolling period. Transfers from an external account to your PurePoint Financial account may post to your PurePoint Financial account as early as the same day, however, funds will not be available in your PurePoint Financial account until 4 Business Days after your transfer was successfully completed. Transfers from PurePoint Financial accounts to external accounts are limited to $250,000 per Business Day, and $1,000,000 per 30 calendar day rolling period. You are responsible to ensure that there are sufficient Available Funds in the account being debited on the date of the transfer. Transaction limitations apply to savings accounts. Please refer to the Transaction Limitation for Savings Accounts section under Withdrawals. For security reasons, we may limit the number or amount of transactions through the service. We also may delay or reject a transfer if we suspect that you did not authorize it. In the Overdrafts section, Overdraft Protection subsection, language in the following paragraph has been revised, to read as follows: Overdraft Protection We do not offer overdraft protection services that would otherwise pay a withdrawal transaction presented against an insufficient Available Balance. PurePoint Financial savings accounts cannot be used for overdraft protection to cover other PurePoint Financial accounts or accounts at MUFG Union Bank, N.A. In the Changes in Account Ownership or Contact Information section, When you should notify us subsection, language has been revised, to read as follows: When you should notify us: You agree to notify us immediately of any change in your name, address, address, or the authorized signers on your account. If you request to change your mailing address to a P.O. 9

10 Box, we may ask you to confirm your physical address. We reserve the right to change your address based on postal notifications or any other government notices sent to us. In the Checks section, Endorsing checks subsection, language has been revised, to read as follows: How you should endorse a check: Federal regulations specify that the top 1 ½ inches on the back of a check (when read vertically from the trailing edge) is designated for your endorsement as payee. Endorsements must be made in blue or black ink, so that they are readable by automated processing equipment. In the Checks section, Substitute Checks subsection, list of required information has been revised, to read as follows: You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect) An estimate of the amount of your loss An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss A copy of the substitute check and the following information to help us identify the substitute check: Your name and account number The check number The date the substitute check was charged to your account The name of the person to whom you wrote the check The exact amount of the check (dollars and cents) The Communicating with You section has been replaced, to read as follows: Your consent and agreement granted to us in this Communicating with You section extend to our authorized representatives. How we may contact you: You give us your express consent to call you at any telephone number you have provided to us or provide to us in the future, including cellular (mobile) phone numbers. Your express consent authorizes us to use any means, including automatic dialing technology, artificial and prerecorded voices, and text messages, when we contact you by telephone for any servicing or non-telemarketing purpose, including, without limitation, to collect debts. You understand that your phone service provider may charge you for these calls and messages. You also agree that we may monitor and record all telephone calls, electronic communications, and other communications with you, and we may retain them for our records. You agree that we may contact you by mail at any mailing address you have provided to us or provide to us in the future, and by courier. You agree that we may contact you electronically by at any address you have provided to us or provide to us in the future, and that we may also contact you electronically through our Online Banking service. Please refer to your Online Banking Service Agreement for details on invalid or undeliverable addresses. What we may send to you: You agree that we may send any notice, record, or other information about your account, such as account disclosures, change-in-terms notices, privacy disclosures, fee schedules, or transaction notices and alerts, to you at the last contact on file for your account or with any periodic statement we send. 10

11 When considered delivered to you: You agree that information or notices (including statements) are considered delivered when they are mailed or made available to you in some other way (e.g., website or address if you have agreed to electronic communications). Information or notices sent to any account Owner or authorized signer are considered delivered to all account Owners and authorized signers. Where we send statements and notices: Statements and notices are normally sent to the last address (or address) listed with us for your account or service. If you do not receive your statement: Please notify us promptly if you do not receive your statement by the date you normally would expect to receive it. What happens if we hold a statement or if mail is returned: You agree that if we hold a statement or notice because you fail to provide us with a current address, it will be considered delivered to you when it is prepared (if we re holding a statement for you), or when it is made available to you in some other way (e.g., posted on our website or sent to your address if you have agreed to electronic communications). At our discretion, we may destroy mail that is returned to us or determined to be undeliverable. The Duty of Care section, About our legal obligation to you subsection, has been revised, to read as follows: About our legal obligation to you: We owe you a duty of ordinary care, which requires only that we follow standards that do not vary unreasonably from the general standards followed by similarly situated banks. For instance, when we take an Item for processing by automated means, ordinary care does not require us to examine the Item. Unless we specifically agree otherwise in writing, no fiduciary, quasi-fiduciary, or other special relationship exists between you and us with respect to your accounts or account services. The Inactive Accounts section, What happens when we classify an account as inactive subsection, has been revised, to read as follows: What happens when we classify an account as inactive: State laws generally require that any account be escheated or sent to the U.S. state indicated by your last known address, if after a certain period of time, the owner has not communicated or conducted activity on the account. If we determine an account has been inactive for a prolonged period of time, we can classify the account internally as inactive. For security reasons, if you have no transactions on our account for a period of time as set forth in the applicable state s escheatment laws for your account, and if we cannot reach you in a timely fashion to confirm a new transaction has been authorized by you, we may refuse a withdrawal or transfer from that account. The Limitation on Time to Bring Action section has been revised, to read as follows: Unless otherwise required by law, an action or proceeding by you to enforce an obligation, duty, or right arising under this Account Agreement or by law with respect to your account or any account service must be commenced no later than 1 year after the day the cause of action occurs. Nothing in this section will serve to lengthen any shorter time frames required for you to act, as set forth in contract or statute. The Pay-on-Death Account section, About multiple beneficiaries subsection, has been revised, to read as follows: About multiple beneficiaries: If there is more than 1 surviving beneficiary, each will receive an equal share of the funds, unless we have been instructed otherwise by the Owner(s) in writing. The Severability section has been revised, to read as follows: If any of the provisions of this Account Agreement are determined to be invalid or unenforceable, that part will be severed and the remainder of the Account Agreement shall remain in full force and effect. 11

12 In the Termination, Closing, or Suspending Your Account section, How we may close, terminate or suspend your account subsection, clarifying language was added, to read as follows: How we may close, terminate or suspend your account: We may automatically close, terminate or suspend your account if the account balance is zero. We also may close, terminate or suspend your account relationship with us at any time, with or without cause, by giving oral, electronic, or written notice to any of you. Without limiting the prior statement, we also reserve the right to close, terminate or suspend your account if (i) you do not agree to accept electronic delivery of consumer disclosures, or you revoke your prior consent to receive consumer disclosures electronically; (ii) your access to our online banking service has not been activated or is terminated or suspended for any reason, or (iii) you do not have an active or valid address. In the Unauthorized Transactions and Errors section, clarifying language was added, to read as follows: If you discover an error or other unauthorized activity involving your account, you must notify us immediately by telephone. Also, promptly notify us thereafter in writing (including a notarized affidavit of fraud should we request it) of the relevant facts, including a description of the transaction or error and the identity of any person you suspect may be involved with unauthorized activity. You agree to carefully and promptly review all statements and notices we send or make available to you. You are in the best position to discover and report any errors or unauthorized transactions involving your account. The following Agreement is renamed as follows: The All About Personal Accounts & Services Disclosure and Agreement will be renamed to Personal Accounts & Services Disclosure and Agreement. Online Banking Service Agreement In the Address section, language has been added to when your Activated Account may be subject to closure, to read as follows: Address. A current, valid address is critical to our successful delivery of the Service to you. You agree to maintain an active account at all times and record such address within your profile in the Service. You further agree to promptly notify us of a change of address by changing the address at the My Profile link within the Service. If we contact you at the address of record within the Service and learn that the is undeliverable to that address, we may, at our discretion: require you to provide a valid address at next login attempt; require you to accept this OLB Agreement again at next login attempt; attempt to contact you through another means to obtain a valid address; and/or suspend or terminate the Service for you and other users on your Activated Accounts. If, for any reason the address you provide us changes or becomes inoperable for more than a period of time determined in our discretion, you agree that we may suspend or terminate your access to some or all of the Services. In addition, your Activated Accounts may be subject to closure by us. If your Activated Account is a certificate of deposit, it may be subject to any applicable early withdrawal penalties. 12

13 The Periodic Statements section, language has been revised, to read as follows: Periodic statements. You will get a monthly account statement for savings accounts. You will get a quarterly statement for certificates of deposit (unless there are transfers in a particular month, in which case you will get a statement that month). You will also get a monthly statement for certificates of deposit if you have at least one savings account. The Hours of Operation and Cutoff Times section has been revised to change cutoff time for mobile deposit and clarify the cutoff time for transactions made during the grace period of a certificate of deposit, to read as follows: Hours of Operation and Cutoff Times. The Service is available to you 24 hours a day, 365/366 days a year, except at times of Service Unavailability (identified below). Access to Kiosk services is subject to PurePoint Financial Center hours of operation. Your Activated Account information is updated when transactions post to your account. Internal Transfers. Internal transfers are posted on the day they are scheduled, provided the transfer request is received by midnight (Eastern Time) on the calendar day the transfer was scheduled to be made. At times there may be a delay due to system processes. External Transfers. Transfers between an Activated Account and an account owned by you at another financial institution are credited or debited (as applicable) on the Business Day they are scheduled, provided the transfer request is received by 9:00 p.m. (Eastern Time) on the scheduled transfer date. Mobile Deposit. Checks deposited using Mobile Deposit before 7:00 p.m. (Eastern Time) on a Business Day will be considered deposited that Business Day. Kiosk Deposit. Checks deposited using Kiosk Deposit before 5:00 p.m. (Central and Eastern Time) on a Business Day will be considered deposited that Business Day. Wires. The cutoff time for outgoing Wire Transfer requests is 4:00 p.m. (Eastern Time) each Business Day. Wire Transfer requests received after the cutoff time or on a non-business Day will be processed the next Business Day. Please note: During the 10-day grace period for a CD, any transaction must be completed during this grace period within the cutoff times outlined above. This means that external transfers and check deposits must be completed by the cutoff time on the last Business Day of the grace period. Also, if it is too late to make a transfer by the cutoff time on the last Business Day, or if you do not have a transfer account, you can make a withdrawal by official bank check until midnight on the last day of the grace period. The Non-Usage of the Service section has been revised, to read as follows: Non-Usage of the Service. Following an extended period of inactivity (determined at our discretion) we will attempt to reach out to you through all available contact methods. If unsuccessful, we reserve the right, at our discretion, to suspend your access to the Service, to require re-acceptance of this OLB Agreement, require confirmation of user information such as address, require reset of security settings such as password, and/or terminate the Service. If your Services are suspended or terminated for any reason, you may not have access to disclosures and important notices from us, including your Activated Account periodic statements. In addition, your Activated Accounts may be subject to closure by us. If your Activated Account is a certificate of deposit, it may be subject to any applicable early withdrawal penalties. PurePoint Financial is a division of MUFG Union Bank, N.A MUFG Union Bank, N.A. All rights reserved. Member FDIC. PurePoint and the PurePoint logo are registered trademarks and brand names of MUFG Union Bank, N.A. 13

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Follow these easy steps to apply for an account by mail:

Follow these easy steps to apply for an account by mail: Open an account online at synchronybank.com or call us at 1-866-226-5638. Follow these easy steps to apply for an account by mail: 1. All information is required unless otherwise indicated. Failure to

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