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Membership and Account Agreement for Wellby Financial

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as “Agreement”) govern the terms and conditions of this Account.

Wellby Financial 1330 Gemini P.O. Box 58346 Houston, Texas 77258 (281) 488-7070 | (800) 940-0708 TRUTH-IN-SAVINGS DISCLOSURES AND RATES AND FEES SCHEDULE This credit union is federally insured by the National Credit Union Administration SAVINGS, CHECKING, AND MONEY MARKET ACCOUNTS EFFECTIVE DATE: 3/25/2025 Federally Insured by the NCUA. 1 ACCOUNT TYPE DIVIDENDS BALANCE REQUIREMENTS Dividend Rate [2] Annual Percentage Yield (APY) [1] Dividends Compounded [2,3] Dividends Credited [2,3] Minimum Opening Deposit Minimum Balance to Avoid a Service Fee [4,5] Minimum Balance to Earn the Stated APY [2,4,5] Balance Method Account Requirements SAVINGS ACCOUNTS Primary Savings 0.10% 0.10% Daily Monthly $5.00 $0.00 $0.01 Daily Balance Wellby Savings 0.10% 0.10% Daily Monthly $0.00 $0.00 $0.01 Daily Balance Wellby Savings Plus§ Standard Bonus Standard Bonus $0.00 - $9,999.99 0.88% 1.75% 0.88% 1.76% Daily Monthly $25.00 $0.00 $0.01 Daily Balance $10,000 - $24,999.99 1.13% 2.25% 1.13% 2.27% Daily Monthly $25.00 $0.00 $10,000.00 Daily Balance $25,000 - $49,999.99 1.38% 2.75% 1.38% 2.79% Daily Monthly $25.00 $0.00 $25,000.00 Daily Balance $50,000 - $99,999.99 1.63% 3.25% 1.64% 3.30% Daily Monthly $25.00 $0.00 $50,000.00 Daily Balance $100,000 - $249,999.99 1.75% 3.50% 1.76% 3.56% Daily Monthly $25.00 $0.00 $100,000.00 Daily Balance $250,000+ 1.88% 3.75% 1.89% 3.82% Daily Monthly $25.00 $0.00 $250,000.00 Daily Balance Wellby Achievement Savings 0.10% 0.10% Daily Monthly $5.00 $0.00 $0.01 Daily Balance Wellby Early Start Savings 0.10% 0.10% Daily Monthly $5.00 $0.00 $0.01 Daily Balance Wellby IRA Savings Traditional, Roth, and Coverdell 0.10% 0.10% Daily Monthly $0.00 $0.00 $0.01 Daily Balance CHECKING ACCOUNTS Wellby Secure Spending When the checking account is closed, it will earn the lowest APY for entire month on the account balance. $0.00 - $50,000.00 4.40% 4.50% Daily Monthly $100.00 $0.00 $0.01 Daily Balance $50,000.01 and up 0.03% 0.03% Daily Monthly $100.00 $0.00 $50,000.01 Daily Balance Requirements not met (Regardless of account balance) 0.03% 0.03% Daily Monthly $100.00 $0.00 $0.01 Daily Balance Wellby Spending† [Sunset as of 12/01/2023 - See Notes] 0.03% 0.03% Daily Monthly $25.00 $0.00 $0.01 Daily Balance Wellby Spending Plus†† [Sunset as of 12/01/2023 - See Notes] $0.00 - $9,999.99 0.55% 0.55% Daily Monthly $25.00 $0.00 $0.01 Daily Balance $10,000 - $24,999.99 0.60% 0.60% Daily Monthly $25.00 $0.00 $10,000.00 Daily Balance Federally Insured by the NCUA. 2 $25,000 - $49,999.99 0.65% 0.65% Daily Monthly $25.00 $0.00 $25,000.00 Daily Balance $50,000 - $99,999.99 0.70% 0.70% Daily Monthly $25.00 $0.00 $50,000.00 Daily Balance $100,000 - $249,999.99 0.75% 0.75% Daily Monthly $25.00 $0.00 $100,000.00 Daily Balance $250,000+ 0.80% 0.80% Daily Monthly $25.00 $0.00 $250,000.00 Daily Balance Wellby Achievement Card 0.03% 0.03% Daily Monthly $10.00 $0.00 $0.01 Daily Balance Wellby Early Start Card 0.03% 0.03% Daily Monthly $10.00 $0.00 $0.01 Daily Balance Federally Insured by the NCUA. 3 EFFECTIVE DATE: 3/25/2025 CERTIFICATE ACCOUNTS CERTIFICATE TYPE RATE SCHEDULE Dividend Rate [2] Annual Percentage Yield (APY) [1] Dividends Compounded [3] Dividends Credited [3] Minimum Opening Deposit [4,5] Additional Deposits [6] Early Withdrawal Penalty [8] Renewals [9] Certificate [7,8,9] Up to $100,000+ 6 months 3.63% 3.70% Monthly Monthly $1,000.00 No 90 Days Dividends Automatic with a 5-day grace period 7 months 4.16% 4.25% Monthly Monthly $1,000.00 No 90 Days Dividends 18 months 3.92% 4.00% Monthly Monthly $1,000.00 No 180 Days Dividends 24 months 3.92% 4.00% Monthly Monthly $1,000.00 No 180 Days Dividends 36 months 3.92% 4.00% Monthly Monthly $1,000.00 No 270 Days Dividends Bump Up Rate Certificates Standard Bump Standard Bump 12 months — Bump Up* 3.68% 3.92% 3.75% 4.00% Monthly Monthly $1,000.00 No 90 Days Dividends 48 months — Bump Up* 3.68% 3.92% 3.75% 4.00% Monthly Monthly $1,000.00 No 365 Days Dividends IRA CERTIFICATE ACCOUNTS - TRADITIONAL, ROTH, AND COVERDELL CERTIFICATE TYPE RATE SCHEDULE Dividend Rate [2] Annual Percentage Yield (APY) [1] Dividends Compounded [3] Dividends Credited [3] Minimum Opening Deposit [4,5] Additional Deposits [6] Early Withdrawal Penalty [8] Renewals [9] IRA Certificate [7,8,9] Up to $100,000+ 6 months 3.63% 3.70% Monthly Monthly $1,000.00 No 90 Days Dividends Automatic with a 5-day grace period 7 months 4.16% 4.25% Monthly Monthly $1,000.00 No 90 Days Dividends 18 months 3.92% 4.00% Monthly Monthly $1,000.00 No 180 Days Dividends 24 months 3.92% 4.00% Monthly Monthly $1,000.00 No 180 Days Dividends 36 months 3.92% 4.00% ... ACCOUNTS — To open an account with Wellby, you must deposit or already have on deposit the minimum required share(s) in a Share Savings acc ount. Primary Savings, Wellby Early Start Savings, and Wellby Achievement Savings Accounts. As a condition of membership, you must purchase and maintain the minimum required share(s) as set forth below, which will be funded by Wellby. Par Value of One Share: $5.00 Number of Shares Required: 1 NCUA SHARE INSURANCE FUND: Funds are federally insured to at least $250,000.00 by the National Credit Union Administration (NCUA), a United States Government Agency, and backed by the full faith of the United States of America’s Government. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings, after required transfers to reserves at the end of the dividend period. [1] RATE INFORMATION. The Annual Percentage Yield (APY) 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. The dividend rates and Annual Percentage Yields are variable rates for the following accounts: Primary Savings, Wellby Savings, Wellby Early Start Savings, Wellby Achievement Savings, Wellby Savings Plus, Wellby Traditional IRA Savings, Wellby Roth IRA Savings, Wellby Educational IRA Savings, Wellby Secure Spending Checking, Wellby Spending Plus Checking, Wellby Early Start Card, and Wellby Achievement Card. The variable-rates may change without notice. Rates are fixed during their term until maturity for the following fixed-rate accounts: Wellby Share Certificates, IRA Traditional, IRA Roth, and IRA Educational Share Certificates. [2] ACCRUAL OF DIVIDENDS. For all dividend earning accounts, interest will begin to accrue on the business day that non-cash items (i.e., checks) are deposited to the account. If you close your account before interest is paid, you will not receive the accrued interest. [3] COMPOUNDING AND CREDITING. The compounding and crediting frequency of dividends and the dividend period applicable to each account are stated in the Rate 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] MINIMUM DEPOSIT AND MINIMUM BALANCE REQUIREMENTS. The minimum opening deposit for a share savings account is the required par value as disclosed in the fee schedule. The minimum balance requirements may include, the minimum balance you must maintain in the account to avoid service fees, and the minimum balance that you must maintain each day to earn the stated Annual Percentage Yield (APY) for that account. [5] BALANCE COMPUTATION METHOD. We use the Daily Balance to calculate interest on your account. The Daily Balance Method appl ies a daily periodic rate to the full amount of principle in the account each day. Dividend (interest) calculation method: Dividends accrue from the day the deposit is posted, up to the day of withdrawal. The daily rate is applied to the end of day balance in the account. The daily rate is 1/365 of the dividend (interest) rate, or in a leap year, we may use 1/366 of the interest rate. [6] ACCOUNT AND TRANSACTION LIMITATIONS. Specific accounts have transaction limitations such as share certificates: After the account is opened, you may not make additions to the account until the maturity date stated on the account. If you withdraw funds after the account is opened, partial withdrawals are not permitted. All funds must be withdrawn as part of an early withdrawal, and you may be charged a fee as disclosed in the Early Withdrawal Penalties. [7] MATURITY. Your account will mature according to the term indicated above, and as indicated on your account summary or statement. [8] EARLY WITHDRAWAL PENALTIES. A penalty may be imposed for withdrawals before maturity. If an early withdrawal penalty is imposed, the penalty may be imposed regardless of whether dividends that equal the amount of the penalty have been earned at the time of withdrawal. To the extent that dividends in the Certificate account at the time of withdrawal are insufficient to pay the entire penalty assessed, the penalty will be assessed against the principal. If you close your Wellby Primary Savings account before dividends are credited, you will also be required to close your Share Certificate accounts with us, and you will receive any accrued dividends on any of the closed accounts. Withdrawal of Dividends Prior to Maturity: The annual percentage yield assumes that dividends will remain in the account until maturity. A withdrawal of dividends prior to maturity will reduce earnings and lower the annual percentage yield. Time Requirements: Your account will mature as specified on your Certificate or renewal notice. In certain circumstances, such as the death or incompetence of an owner of

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