TRUTH-IN-SAVINGS DISCLOSURE

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1 TRUTH-IN-SAVINGS DISCLOSURE LAST DIVIDEND DECLARATION DATE: The rates, fees and terms applicable to your account at the Credit Union are provided in this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these from time to time. RATE SCHEDULE ACCOUNT TYPE DIVIDENDS BALANCE REQUIREMENTS ACCOUNT LIMITATIONS Annual Percentage Yield (APY) Compounded Credited Opening Deposit to Avoid a Service Fee to Earn the Stated APY Method See 6 Savings (Regular and Special) Santa Savings IRA Savings $ $2, $2, $4, $5, $24, $25, $74, $75, or greater $5.00 $ $5.00 $0.01 HSA Savings $5.00 CommonCents 1.98% 2.00% Prestige Money Market $ $4, $5, $9, $10, $24, $25, $49, $50, $74, $75, $99, $100, $249, $250, $499, $500, $999, $1,000, or greater $5, $0.01 and withdrawal Requirement for HSA Checking and deposit limitations apply Student Checking Direct Checking Account deposit YOUR Checking Rewards Selection Cash Rewards Selection Bank Your Rewards Selection limitations apply. Health Savings Checking $ $2, $2, $4, $5, $9, $10, $24, $25, $49, $50, $99, $100,000 or greater 0.00% 0.05% 0.00% 0.05% $2, CUNA Mutual Group, 2007, 08, 10, All Rights Reserved DINJFF (D37003)-e

2 Business Analysis Checking $25, $49, $50, $99, $100, or greater 0.05% 0.05% 0.15% 0.15% $25, Business Essentials Checking $25,000.00* Business Select Checking Except as specifically described, the following disclosures apply to all of the. All described in this Truth-In-Savings Disclosure are share. 1. RATE INFORMATION The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Savings (Regular and Special), Santa Savings, and IRA Savings, the dividend rate and annual percentage yield may change quarterly as determined by the Credit Union s Board of Directors. For CommonCents, Prestige Money Market, YOUR Checking (with dividend rewards), Health Savings Checking and Business Analysis Checking, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union s Board of Directors. The dividend rates and annual percentage yields are the rates and yields as of the last dividend declaration date that is set forth in the Schedule. The IRA Savings, Prestige Money Market, Health Savings Checking and Business Analysis Checking are tiered rate. The balance ranges, dividend rates and annual percentage yields applicable to each tier are disclosed in the Schedule. Once a particular balance range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For CommonCents, you must 1) maintain a checking account; and 2) subscribe to estatements in order to earn dividends. For YOUR Checking, you must elect the dividend rewards option through CU Online. In addition, you must meet the monthly deposit requirements as disclosed in section 10, YOUR Checking Account Features, during the qualification period which is based on a period beginning on the first calendar day of each month through the last calendar day of each month in which rewards are credited. If you do not meet the requirements during any dividend period, you will not earn dividends for that period. When you elect dividend rewards, the and Annual Percentage Yield listed for this account in the Schedule will apply to s of up to $25, You will not be paid dividends on balances that exceed $25, NATURE OF DIVIDENDS are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. 3. DIVIDEND COMPOUNDING AND CREDITING The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Schedule. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. 4. ACCRUAL OF DIVIDENDS For all earning, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. If you close your account (except YOUR Checking) before accrued dividends are credited, you will receive the accrued dividends. If you close a YOUR Checking account before accrued dividends are credited, you will not receive the accrued dividends. 5. BALANCE INFORMATION To open any account, you must deposit or already have on deposit the minimum required share(s) in a Savings account. Some may have additional minimum opening deposit requirements. The minimum balance requirements applicable to each account are set forth in the Schedule. For Prestige Money Market, there is a minimum daily balance required to avoid a service fee for the dividend period. If the minimum daily balance requirement is not met, you will be charged a service fee as stated in the Fee Schedule. *For Business Essentials Checking, there is a minimum daily balance required to avoid a service fee. If you do not maintain the required relationship balance in combined deposit and loan balances, you will be charged a fee as stated in the Fee Schedule. To avoid a fee you must meet the minimum balance requirement as of the last day of the statement cycle. For Savings (Regular and Special), IRA Savings, Prestige Money Market, Health Savings Checking and Business Analysis Checking, there is a minimum daily balance required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met, you will not earn the annual percentage yield stated in the Schedule. For using the daily balance method as stated in the Schedule, dividends are calculated by applying a periodic rate to the daily balance in the account for the dividend period. The daily balance method uses the actual balance on each day in the month to calculate dividends for the dividend period. 6. ACCOUNT LIMITATIONS For Savings (Regular and Special), Santa Savings, IRA Savings, CommonCents, and Prestige Money Market, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed. For Santa Savings, the entire balance will be transferred to another account of yours on or before September 30 and the account will remain open. You may withdrawal from your Santa Savings account during the club period from October 1 through September 30 and you will be charged a fee as stated in the Fee Schedule. However, no fee will be charged if the withdrawal occurs within seven (7) days of the date the account is opened. For CommonCents, you may make one automatic transfer of up to $ from your checking account each month on a transfer date as determined by you at account opening. No other deposits are allowed. For Direct Checking, all deposits to your account must be cash deposits. 7. FEES FOR OVERDRAWING ACCOUNTS Fees for overdrawing your account may be imposed on each check, draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member s opt-in choice for overdraft protection and the Schedule of Fees and Charges. DINJFF (D37003)-e

3 8. BONUS. For CommonCents Savings, you may be eligible for a bonus if you meet applicable balance andor service requirements. Please refer to the applicable "Account Features" section below for details. 9. CommonCents ACCOUNT FEATURES. Reward You will earn a cash reward of $2.00 if you have 30 or more debit card transactions during the month. Additional Features You may designate an amount ranging from $0.01 to $1.00 to be transferred from your checking account to your CommonCents account for each transaction you make during any month. For example, if you choose a transfer amount of $0.50 and you make 40 debit card transactions, $20.00 will be automatically transferred to your CommonCents account on the last day of the month. Limit of one CommonCents account per tax identification (social security) number. If more than one CommonCents account is opened, only the account with the earliest opening date will earn dividends and bonus. 10. YOUR CHECKING ACCOUNT FEATURES. Rewards You can earn rewards with every FORUM Mastercard debit card purchase or choose to earn a higher dividend rate with FORUM s YOUR checking account. Log into CU Online to make your rewards selection. Rewards Cash Rewards Banked Rewards You will receive the dividend rate and annual percentage rate as disclosed in the Schedule for YOUR Checking with dividend rewards if you meet one of the below requirements; Maintain a total of $1, or more of new deposits coming into your checking each month (deposits include payroll direct deposit, Federal benefit payment deposits, etc.) (Transfers from another account do not count towards the $1, requirement) Perform 20 or more debit card transactions each month on the account designated to earn dividend rewards (PIN or signature based transactions) You will earn $0.05 for every FORUM Mastercard debit card transaction (PIN or signature based transactions) during the qualification period. CashRewards will be credited to YOUR Checking account. You may choose to bank your rewards to save money throughout the year. You will earn $0.05 for every FORUM Mastercard debit card transaction (PIN or signature based transactions) during the qualification period. You will receive a cash payment to YOUR Checking account at the end of the calendar year. The qualification period for monthly rewards will be based on a period beginning on the first calendar day of each month through the last calendar day of each month in which rewards are credited. If no rewards selection is made, each new YOUR Checking account is automatically set to earn Cash Rewards. You may change your reward selection at any time within CU Online. Additional YOUR Checking Features YOUR Checking accountholders also qualify for the following benefits: No monthly service fee regardless of balance No minimum balance requirement Free online banking (CU Online) and bill pay Free FORUM ATM transactions and 4 free non-forum ATM transactions per month Nationwide access to shared branch locations and surcharge free Alliance One ATMs 11. MEMBERSHIP As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below. Par Value of One Share $5.00 Number of Shares Required RATES The rates and fees appearing with this Schedule are accurate as of the last dividend declaration date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your, please call the Credit Union. DINJFF (D37003)-e

4 TRUTH-IN-SAVINGS DISCLOSURE EFFECTIVE DATE: (%) The rates, fees and terms applicable to your account at the Credit Union are provided with this Truth-in-Savings Disclosure. The Credit Union may offer other rates for these from time to time. Annual Percentage Yield (APY) % Share Certificate (Including IRAs and Business) 91 Days 6 Months 12 Months 18 Months 24 Months 25 Months 36 Months 48 Months 60 Months 72 Months 84 Months 96 Months 108 Months 120 Months 1.98% 2.47% 2.71% 1.24% 2.00% 2.50% 2.75% 1.25% Type Opening Deposit RATE SCHEDULE Compounded Credited Fixed $ Additional Deposits Not Allowed Withdrawals Renewable for consumer Not for Business Share Flex Certificate (Including IRAs and Business) 15 Months *no longer available Share Liquid IRA Certificate 60 Months 1.98% 33 Months 0.995% 1.00% 30 Months* 2.00% Variable Member has discretion $ $ Not Allowed for consumer Not for Business Share AWARE Certificate (Birth to age 19) 16 Months Fixed $ $20.00 minimum deposit Sprout Certificate (Birth to age 18) 1 Day to 6,570 Days 0.995% 1.00% Variable Member has discretion Not ally Renewable Weekly 5 Club Certificate (18 years of age and over) 3 Months to 12 Months Fixed $25.00 Allowed - $5.00 minimum deposit see CUNA Mutual Group 1993, 2007, 08, 10 All Rights Reserved DINJGB (D38003)-e

5 (%) Saving for a Reason Annual Percentage Yield (APY) % Type Opening Deposit RATE SCHEDULE (continued) Compounded Credited Additional Deposits Withdrawals Renewable 12 Months 24 Months 36 Months 48 Months 60 Months 52-Week Money Challenge Certificate 52 Weeks 0.995% 1.24% 1.00% 1.25% Fixed $0.00 Fixed see ACCOUNT DISCLOSURES Except as specifically described, the following disclosures apply to all of the. All described in this Truthin-Savings Disclosure are share. 1. RATE INFORMATION The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Share Certificate, Share AWARE Certificate, Weekly 5 Club Certificate, Saving for a Reason, and 52-Week Money Challenge Certificate, the dividend rate and annual percentage yield are fixed and will be in effect for the initial term of the account. For Sprout Certificate, the dividend rate and annual percentage yield may change monthly as determined by the Credit Union s Board of Directors. During the term of your Share Flex Certificate account, you may increase the rate one time to the rate currently in effect for of this type with the same term. The dividend rate and annual percentage yield on Share Liquid IRA Certificate may change if you exercise your right to add $1, or more to the certificate balance and increase the dividend rate and annual percentage yield during the rate adjustment period of January 1 through April 15 of each year during the certificate term. The dividend rate and annual percentage yield may increase only if the current rate offered by FORUM on the Liquid IRA Certificate with an identical term has increased and $1, or more is added to the certificate balance. For subject to dividend compounding, the annual percentage yield is based on an assumption that dividends will remain on deposit until maturity. A withdrawal of dividends will reduce earnings. 2. DIVIDEND PERIOD For each account, the dividend period is the account s term. The dividend period begins on the first day of the term and ends on the maturity date. 3. DIVIDEND COMPOUNDING AND CREDITING The compounding and crediting frequency of dividends are stated in the Schedule. For all at your option, you may choose to have dividends credited to your certificate account, or transferred to another account of yours. If you elect to have dividends transferred to another account, compounding will not apply. 4. BALANCE INFORMATION To open any account, you must deposit or already have on deposit the minimum required share(s) in a Savings account. Some may have additional minimum opening deposit requirements which are set forth in the Schedule. For Saving for a Reason, there is a minimum daily balance of $5.00 required to earn the annual percentage yield disclosed for the dividend period. If the minimum daily balance requirement is not met, you will not earn the annual percentage yield stated in the Schedule. For all, dividends are calculated by the daily balance method which applies a periodic rate to the daily balance in the account for the dividend period. The daily balance method uses the actual balance on each day in the month to calculate dividends for the dividend period. 5. ACCRUAL OF DIVIDENDS For all, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. 6. TRANSACTION LIMITATIONS For all, your ability to make deposits to your account and any limitations on such transactions are stated in the Schedule. After your account is opened, you may make withdrawals of principal subject to the early withdrawal penalties stated below. For 52- Week Money Challenge Certificate, however, you will be allowed one withdrawal per year after the first 52 weeks. For all except Sprout Certificate and 52-Week Money Challenge Certificate, withdrawals of dividends are not subject to penalty. 7. MATURITY Your account will mature as stated on this Truth-in-Savings Disclosure or on your Account Receipt or Renewal Notice. 8. EARLY WITHDRAWAL PENALTY We may impose a penalty if you withdraw funds from your account before the maturity date. a. Amount of Penalty. For Share Certificate, Share Flex Certificate, and Share AWARE Certificate, the amount of the early withdrawal penalty is based on the term of your account. The penalty schedule is as follows: s of 12 months or less - all accrued dividends up to 90 days' dividends but not less than seven (7) days' dividends. s longer than 12 months - all accrued dividends up to 180 days' dividends but not less than seven (7) days' dividends. For Share Liquid IRA Certificate, the amount of the early withdrawal penalty for your account is all accrued dividends up to 365 days' dividends but not less than seven (7) days' dividends. DINJGB (D38003)-e

6 For Sprout Certificate, the amount of the early withdrawal penalty for your account is 10% of lifetime dividends and all matched funds on account. For Weekly 5 Club Certificate, Saving for a Reason, and 52-Week Money Challenge Certificate, the amount of the early withdrawal penalty for your account is an early withdrawal fee of $15.00 for each withdrawal that is subject to penalty. b. 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 dividends have already been paid, the penalty will be deducted from the principal. c. 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: (i) When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction. (ii) Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after the establishment of the account; or where the account is a Keogh Plan (Keogh), provided that the depositor forfeits an amount 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 70½ and is withdrawing a required minimum distribution (RMD) or becomes disabled. 9. RENEWAL POLICY The renewal policy for your is stated in the Schedule. For that automatically renew for another term, you have a grace period of ten (10) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. For that do not automatically renew, you will not be paid dividends on the account after the maturity date. Upon maturity, the account balance will be transferred to a non-dividend earning certificate. For Sprout Certificate, the balance will remain in your account until you transfer or withdraw the balance. When Sprout Certificates mature, the balance will automatically transfer to a sub-share account. 10. WEEKLY 5 CLUB ACCOUNT BONUS. For Weekly 5 Club, you may be eligible for cash or other prizes based on your account balance andor deposits to your account. You will be provided a unique number for each Weekly 5 Club account you have. Match your number to the number drawn to claim your prize. You must claim prize prior to next drawing. For official rules, please logon to or telephone Weekly Prizes One prize awarded per week (valued at $25). Must deposit $5 per week to be eligible for weekly prizes. Yearly Prizes Four prizes awarded per calendar year (valued at $50, $250, $1,000 and $5,000). Three annual drawings ($50, $250, and $1,000 prizes) require a minimum of 12 deposits of at least $5 during the calendar year and are based on three account balance levels. s less than $ will be entered in the drawing for $ s $ $ will be entered in the drawing for $ s $ $2, will be entered in the drawing for $1, In order to be entered to with the $5,000 prize, members must make a minimum of 12 deposits totaling at least $500 within the calendar year and have a balance of $2, or greater. 11. SPROUT CERTIFICATE ACCOUNT BONUS. You will earn an annual cash bonus if you meet any of the following total deposit requirements made between January 1st and 12 noon Eastern Standard Time on December 31st. Deposits made after 12 noon through midnight on December 31st will not qualify for the bonus. Also the bonus will not be paid in the calendar year the child becomes 18 years of age. Deposits of $ $ $20.00 bonus Deposits of $ $ $50.00 bonus Deposits of $ $ $75.00 bonus Deposit of $1, or more - $ bonus WEEK MONEY CHALLENGE CERTIFICATE ACCOUNT BONUS. For 52-Week Money Challenge Certificate, you will be entered into an annual prize drawing if you make deposits to your account at least 50 of the 52 weeks during the calendar year and deposit at least $1, during the calendar year. If you are the winner of the prize drawing, the Credit Union will match the total amount of funds you deposit, up to $1,378.00, to your account during the calendar year. 13. NONTRANSFERABLENONNEGOTIABLE Your account is nontransferable and nonnegotiable. 14. MEMBERSHIP As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below. Par Value of One Share $5.00 Number of Shares Required RATES The rates and fees appearing with this Schedule are accurate as of the effective date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your, please call the Credit Union. DINJGB (D38003)-e

7 Consumer Fee Schedule Effective July 01, 2018 SHARE SAVINGS ACCOUNT FEES Inactive Savings Account No activity for 36 months and account balance less than $ Early Account Closure If account closed within six months $10.00 Month $50.00 MONEY MARKET ACCOUNT FEES Below Prestige Money Market daily balance below minimum of $5, Checks in Excess of Six (Reg-D) Regulation D limit of six items per month. Items will be returned. CHECKING ACCOUNT FEES Inactive Checking Account No activity for 12 months and account balance less than $ Direct Checking Application Fee is due at time of account opening Direct Checking First month is waived CHECK FEES Return Deposited Item Payable to FORUM, Cash, or drawn off an account held by an Account Owner Return Deposited Item Check Stop Payment Counter Checks Foreign Item Check Deposit Official Checks Excludes checks generated from a FORUM loan disbursal, FORUM line of credit, &or payable to FORUM or an affiliated CUSO. Non-Member Official Check Check Ordering Checks are ordered from a third party Incoming Wire Outgoing Wire WIRE FEES ACH FEES ACH in Excess of Six (Reg-D) Regulation D limit of six items per month. Items will be returned. ACH Stop Payment $15.00 Month $25.00 Item $10.00 Month $50.00 $10.00 Month $20.00 Item $5.00 Item $27.00 Each $0.50 Each $45.00 Item $3.00 Each $5.00 Each Prices Vary $10.00 Each $20.00 Each $25.00 Item $27.00 Each SPECIALITY ACCOUNT FEES Santa Savings Early Withdrawal Weekly 5 Early Withdrawal Health Savings Account (HSA) Application Health Savings Account (HSA) Early Closure if closed within 6 months ATM DEBIT CARD FEES Visa Reloadable Card Fee is assessed in the second month after card is activated. Visa Gift Card(s) Fee applies to each purchased card Reissue of Revoked Card Reissue of Card (ATM or Debit) Reissue of PIN Empty Envelope Deposit Non-FORUM ATM Inquiries Withdrawals Transfers MasterCard Currency Conversion Based on total transaction amount MasterCard Issuer Cross-Border Based on total transaction amount $10.00 Each $15.00 Each $15.00 $10.00 $2.95 Month Fee is waived with a monthly card load of $25.00 or more $3.50 Card $30.00 Each $10.00 Each $10.00 Each $50.00 Each $2.00 Each Fees are based on account type Up to 1 % Up to 1 % ADMIN MISCELLANEOUS FEES Statement Copies Need Address Accounts Verification of Deposit Garnishment Order Court Hold Order Account Reconciliation or Research Reopen Account Closed by FORUM Due to Adverse Action(s) Non-Sufficient Funds (NSF) Fee imposed for ATM, Check, Debit Card, ACH or other electronic means Overdraft Privilege (ODP) Fee imposed for ATM, Check, Debit Card, ACH or other electronic means Negative Account Fee Fee is assessed after 48 hour Grace All Fees Are Subject to Change $5.00 Month $5.00 Month $10.00 Each $20.00 Each $20.00 Each $30.00 Hour fee amount is $30.00 $50.00 $39.00 Each $39.00 Each Applies to eligible for Overdraft Privilege $2.00 Day Rev

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