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Deposit Disclosures

Checking Money Market
Business Checking IRA Money Market
Certificates Savings
IRA Certificates

Checking

POWERCHECKING

1 The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $25,000 will earn the stated higher rate and the portion of the balance over $25,000 will earn the lower stated rate. See monthly rate sheet or web site for current rates. Dividends paid monthly on average daily balance and dividends will be earned if account meets all of the following monthly requirements: Must have direct deposit of at least $500 into your POWERCHECKING account, enrolled in Online statements with a valid E-mail address plus complete a minimum of ten (10) checking transactions that include any combination of the following transactions: online bill pay, ACH withdrawal, ACH deposit, debit signature based transaction, online credit union loan payment (all other transfers between credit union accounts do not apply). Bill pay is defined as an ACH withdrawal. There is no minimum balance required to earn dividends. Accounts not meeting all monthly requirements will not earn interest and will be charged the applicable BCU ATM fee for each ATM transaction over five per month. Transactions apply toward the monthly requirements in the month they post to your account. You will not automatically be enrolled in online statements when opening this share type. You can enroll in online statements via the internet. POWERCHECKING is only available as a personal account only.

Preferred Interest Checking

2 The dividend rate and Annual Percentage Yield (APY) may change at any time. There is no minimum balance required to open the account. This is a tiered rate account. External deposits totaling $500 or more per month onto your Preferred Interest Checking account is required to earn monthly dividends. The applicable BCU excessive ATM withdrawal fee for each ATM transaction over five per month applies. See the Deposit Account Agreement for details.

Business Checking

Premier Business Checking

3 Dividend rate and Annual Percentage Yield (APY) may change at any time. $5,000 minimum required to earn dividends. See Business Account Agreement, Disclosures and Fee Schedule for additional terms and conditions.

Certificates

4 The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal.

5 To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.

††† Dividend rate and Annual Percentage Yield (APY) assumes that interest remains on deposit until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. Minimum deposit of $50 required and cannot exceed a maximum deposit of $10,000 per child. Child must be first on account and have the child’s SSN on account. Child must be equal to or under 18-years of age. Rewards rates do not apply. Certificate will automatically renew into a 12-month certificate upon maturity.

IRA Certificates

6 The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.

Money Market

7The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, check card (if applicable), or similar order to a third party. Exceeding the withdrawal limit will result in a $10 fee for each additional transaction and the account may be subject to closure by the credit union. Balances that fall below $1,000 will earn the Regular savings rate.

IRA Money Market

8 IRA Money Market dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day you place non-cash items (for example checks) to your account. IRA Money Markets are not available in Puerto Rico.

Savings

9 Dividends paid monthly on average daily balance.

Rainy Day Savings Account

† Annual Percentage Yield (APY) is subject to change without notice. The stated opening APY will double after the first twelve consecutive monthly deposits. Minimum of $25 monthly deposit is required. $500 maximum deposit allowed per month. Initial deposit cannot exceed $1,000 and must be made during the month the account is opened or the monthly maximum deposit of $500 will apply. Funds exceeding the maximum deposit will be transferred to the member’s regular share. Two withdrawals allowed per calendar year. Excess withdrawals are subject to a $25 penalty. No withdrawal allowed for the first 90-days or a $25 early withdrawal penalty will be imposed for each withdrawal within 90 day period. Accounts not meeting the minimum monthly deposit will earn the regular share rate for that month. Membership is required to open account.

Health Savings Account (HSA)

†† The Annual Percentage Yield (APY) and dividend rate may change at any time. Rates are effective as of the first day of the month. There is no minimum balance requirement to open a HSA. This is a custodial account offered by BCU. This account is intended to qualify as a HSA under the Internal Revenue Code (IRC) Section 223 and is to be used for payment of qualified medicals expenses only. You are solely responsible to ensure that contributions, distributions and other actions related to your HSA comply with law, including federal tax law. We recommend that you consult with legal or tax professionals if you have questions about managing your HSA. Please refer to your HSA Agreement for additional information related to your HSA.