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1330 Gemini P.O. Box 58346 Houston, Texas 77258 (281) 488-7070 wellbyfinancial.com Wellby Membership Agreement and Account Disclosure Version effective October 10, 2025 1 Welcome to Wellby! Thank you for opening your account with JSC Federal Credit Union doing business as Wellby Financial hereinafter (“Wellby” or “Wellby Financial”). By doing business with Wellby Financial you are doing business with JSC Federal Credit Union. We look forward to serving you. The most recent version of this agreement is housed on our disclosures page of our website, located here: Disclosures | Wellby (https://www.wellbyfinancial.com/disclosures). We regularly make updates to this Agreement and additional disclosures. We recommend you keep a copy for your records. This is your Membership Agreement and Account Disclosure (may also be referred to as Account Terms and Conditions) or contract with us. The Membership Agreement also includes these separate documents that pertain to our accounts: • Rates for dividend-bearing accounts o Wellby Dividend Rates • Personal accounts: o Additional Services and Fees including the Fee Schedule • Additional disclosures, such as amendments or agreements, that we provide to you either when you open your account or when we change the terms of your account. How to Get Started After you open your account, these optional services may make transacting and managing your account easier. Debit card – use your debit card to transact with merchants that accept debit cards, at Wellby ATMs, or for ATM cash deposits and withdrawals. Direct Deposit – have your paycheck, retirement benefits, or other sources of income deposited electronically into your account(s). Online Banking – helps you manage and keep track of your finances by allowing you easy access to: • Check your account balance and review transaction history • Transfer funds between your accounts and Wellby loans, other Wellby members, external accounts held at other financial institutions, and contacts (via email or SMS text) • View your electronic statements, posted checks, and notices to print at your convenience. • Reorder checks • Send and receive secure messages Mobile Banking - allows you to view your balances, make transfers, and send money – all from your mobile phone. Online Bill Pay – allows electronic payment of bills from one convenient place. Online Alerts – provide an electronic notice through email or text message about account activity, such as when direct deposit posts or when your balance drops below an amount you set. Fraud Alerts – provides an electronic notice through email or text message about suspicious activity on your debit card. Scheduled Transfers – helps make saving and loan payments easier by automatically transferring money from your share accounts. Overdraft Protection – helps you avoid overdrafts, declined or returned checks, and other items by linking a designated account (backup account) to your checking account and automatically transferring available funds from that backup account (designated share or line of credit loan). Overdraft Steward – helps you avoid declined card purchases when you do not have sufficient available balance in your account to cover a transaction at the time it is presented to us for payment, 2 but we pay it anyway at our discretion for a fee. (See the Overdraft Services Disclosure) How to Access Your Account Use any of the following channels to get access to your account and get information about our accounts and services: Wellby Branches find our nearest location on our website at wellbyfinancial.com Wellby ATMs locate the nearest ATM machine on our website at wellbyfinancial.com Online Banking visit us online at secure.wellbyfinancial.com Mobile Banking visit the Apple App Store or Google Play Store to download the mobile banking app. Telephone Banking or Retail Contact Center by calling (281) 488- 7070 or (800) 940-0708. How to Contact Us By Mail P.O. Box 58346, Houston, TX 77258 Overnight/Express Mail: 1330 Gemini, Houston, TX 77058 By Phone (281) 488 – 7070 or (800) 940 - 0708 Online www.wellbyfinancial.com 3 Table of Contents Welcome to Wellby! ..................................................................... 1 How to Get Started ........................................................................... 1 How to Access Your Account .......................................................... 2 Important Terms ................................................................................ 4 General Account Terms ................................................................ 7 Governing Law................................................................................... 7 Acceptance of Provision ................................................. ... ................. 7 Changes to This Agreement ........................................................... 8 Arbitration and Waiver of Class Action.......................................... 8 Arbitration Provisions .................................................................. 8 Opening a New Account .............................................................. 9 Membership Eligibility ................................................................... 10 Member in Good Standing ............................................................ 10 Bylaws and Account Termination ................................................. 11 Limitation, Suspension, and Service Restriction ......................... 11 Withdrawal of Services ................................................................... 12 Converting an Account .................................................................. 12 Account Ownership.................................................................... 12 Single Party Accounts ..................................................................... 12 Multiple Party Accounts ................................................................. 12 Convenience Accounts .................................................................. 13 Accounts for Minors ........................................................................ 13 Accounts for Guardianships and Estates ..................................... 13 Accounts for Trusts ......................................................................... 14 Business, Organization & Association Accounts ........................ 14 Additional Account Types .......................................................... 14 Uniform Transfer to Minors (UTMA) ............................................. 14 Representative Payee ..................................................................... 14 Agency Account .............................................................................. 15 Fiduciary Account ........................................................................... 15 Attorney Client Trust ....................................................................... 15 Real Estate Broker Client Trust Account ...................................... 15 Government/Municipal/Public Funds Accounts ........................ 16 Fees and Charges ....................................................................... 16 Using Your Checking and Savings Account ............................... 16 Deposits ................................................................................................. 16 Accepting Items for Deposit .................................................... 16 Right to Refuse Deposits ........................................................... 17 Right to Charge Back Deposited or Cashed Items ............... 17 Envelope Depository ................................................................. 17 Deposit Errors and Adjustments ............................................. 17 Early Payday ................................................................................ 18 Notice of Electronic Deposits................................................... 18 Accrual of Dividends ................................................................. 18 Balance Methods ....................................................................... 18 Balance Computation Method ................................................ 18 Checks .................................................................................................... 19 Check Processing ....................................................................... 19 Check Orders ............................................................................. 19 Check Copies ............................................................................. 19 Review of Check Images and Signatures ............................... 19 Incomplete, Conditional, Post-Dated, or Stale-Dated Checks ...................................................................................................... 19 Electronically Created Items (ECI) ........................................... 20 Foreign Items, Currency Conversion and Collection Item Processing ................................................................................... 20 Indorsement Standards ............................................................ 20 Substitute Checks, Indemnified Copies, Images and Image Replacement Copies ................................................................. 21 ATM/Debit Card and Other Access Devices............................... 22 Using Your Cards ............................................................................ 22 Safeguarding PIN ............................................................................ 24 Debit Card Limits ............................................................................ 24 Charges for ATM/Debit Card Transactions

1330 Gemini P.O. Box 58346 Houston, Texas 77258 (281) 488-7070 wellbyfinancial.com Wellby Membership Agreement and Account Disclosure Version effective October 10, 2025 1 Welcome to Wellby! Thank you for opening your account with JSC Federal Credit Union doing business as Wellby Financial hereinafter (“Wellby” or “Wellby Financial”). By doing business with Wellby Financial you are doing business with JSC Federal Credit Union. We look forward to serving you. The most recent version of this agreement is housed on our disclosures page of our website, located here: Disclosures | Wellby (https://www.wellbyfinancial.com/disclosures). We regularly make updates to this Agreement and additional disclosures. We recommend you keep a copy for your records. This is your Membership Agreement and Account Disclosure (may also be referred to as Account Terms and Conditions) or contract with us. The Membership Agreement also includes these separate documents that pertain to our accounts: • Rates for dividend-bearing accounts o Wellby Dividend Rates • Personal accounts: o Additional Services and Fees including the Fee Schedule • Additional disclosures, such as amendments or agreements, that we provide to you either when you open your account or when we change the terms of your account. How to Get Started After you open your account, these optional services may make transacting and managing your account easier. Debit card – use your debit card to transact with merchants that accept debit cards, at Wellby ATMs, or for ATM cash deposits and withdrawals. Direct Deposit – have your paycheck, retirement benefits, or other sources of income deposited electronically into your account(s). Online Banking – helps you manage and keep track of your finances by allowing you easy access to: • Check your account balance and review transaction history • Transfer funds between your accounts and Wellby loans, other Wellby members, external accounts held at other financial institutions, and contacts (via email or SMS text) • View your electronic statements, posted checks, and notices to print at your convenience. • Reorder checks • Send and receive secure messages Mobile Banking - allows you to view your balances, make transfers, and send money – all from your mobile phone. Online Bill Pay – allows electronic payment of bills from one convenient place. Online Alerts – provide an electronic notice through email or text message about account activity, such as when direct deposit posts or when your balance drops below an amount you set. Fraud Alerts – provides an electronic notice through email or text message about suspicious activity on your debit card. Scheduled Transfers – helps make saving and loan payments easier by automatically transferring money from your share accounts. Overdraft Protection – helps you avoid overdrafts, declined or returned checks, and other items by linking a designated account (backup account) to your checking account and automatically transferring available funds from that backup account (designated share or line of credit loan). Overdraft Steward – helps you avoid declined card purchases when you do not have sufficient available balance in your account to cover a transaction at the time it is presented to us for payment, 2 but we pay it anyway at our discretion for a fee. (See the Overdraft Services Disclosure) How to Access Your Account Use any of the following channels to get access to your account and get information about our accounts and services: Wellby Branches find our nearest location on our website at wellbyfinancial.com Wellby ATMs locate the nearest ATM machine on our website at wellbyfinancial.com Online Banking visit us online at secure.wellbyfinancial.com Mobile Banking visit the Apple App Store or Google Play Store to download the mobile banking app. Telephone Banking or Retail Contact Center by calling (281) 488- 7070 or (800) 940-0708. How to Contact Us By Mail P.O. Box 58346, Houston, TX 77258 Overnight/Express Mail: 1330 Gemini, Houston, TX 77058 By Phone (281) 488 – 7070 or (800) 940 - 0708 Online www.wellbyfinancial.com 3 Table of Contents Welcome to Wellby! ..................................................................... 1 How to Get Started ........................................................................... 1 How to Access Your Account .......................................................... 2 Important Terms ................................................................................ 4 General Account Terms ................................................................ 7 Governing Law................................................................................... 7 Acceptance of Provision ................................................. ... ................. 7 Changes to This Agreement ........................................................... 8 Arbitration and Waiver of Class Action.......................................... 8 Arbitration Provisions .................................................................. 8 Opening a New Account .............................................................. 9 Membership Eligibility ................................................................... 10 Member in Good Standing ............................................................ 10 Bylaws and Account Termination ................................................. 11 Limitation, Suspension, and Service Restriction ......................... 11 Withdrawal of Services ................................................................... 12 Converting an Account .................................................................. 12 Account Ownership.................................................................... 12 Single Party Accounts ..................................................................... 12 Multiple Party Accounts ................................................................. 12 Convenience Accounts .................................................................. 13 Accounts for Minors ........................................................................ 13 Accounts for Guardianships and Estates ..................................... 13 Accounts for Trusts ......................................................................... 14 Business, Organization & Association Accounts ........................ 14 Additional Account Types .......................................................... 14 Uniform Transfer to Minors (UTMA) ............................................. 14 Representative Payee ..................................................................... 14 Agency Account .............................................................................. 15 Fiduciary Account ........................................................................... 15 Attorney Client Trust ....................................................................... 15 Real Estate Broker Client Trust Account ...................................... 15 Government/Municipal/Public Funds Accounts ........................ 16 Fees and Charges ....................................................................... 16 Using Your Checking and Savings Account ............................... 16 Deposits ................................................................................................. 16 Accepting Items for Deposit .................................................... 16 Right to Refuse Deposits ........................................................... 17 Right to Charge Back Deposited or Cashed Items ............... 17 Envelope Depository ................................................................. 17 Deposit Errors and Adjustments ............................................. 17 Early Payday ................................................................................ 18 Notice of Electronic Deposits................................................... 18 Accrual of Dividends ................................................................. 18 Balance Methods ....................................................................... 18 Balance Computation Method ................................................ 18 Checks .................................................................................................... 19 Check Processing ....................................................................... 19 Check Orders ............................................................................. 19 Check Copies ............................................................................. 19 Review of Check Images and Signatures ............................... 19 Incomplete, Conditional, Post-Dated, or Stale-Dated Checks ...................................................................................................... 19 Electronically Created Items (ECI) ........................................... 20 Foreign Items, Currency Conversion and Collection Item Processing ................................................................................... 20 Indorsement Standards ............................................................ 20 Substitute Checks, Indemnified Copies, Images and Image Replacement Copies ................................................................. 21 ATM/Debit Card and Other Access Devices............................... 22 Using Your Cards ............................................................................ 22 Safeguarding PIN ............................................................................ 24 Debit Card Limits ............................................................................ 24 Charges for ATM/Debit Card Transactions

1330 Gemini P.O. Box 58346 Houston, Texas 77258 (281) 488-7070 wellbyfinancial.com Wellby Membership Agreement and Account Disclosure Version effective October 10, 2025 1 Welcome to Wellby! Thank you for opening your account with JSC Federal Credit Union doing business as Wellby Financial hereinafter (“Wellby” or “Wellby Financial”). By doing business with Wellby Financial you are doing business with JSC Federal Credit Union. We look forward to serving you. The most recent version of this agreement is housed on our disclosures page of our website, located here: Disclosures | Wellby (https://www.wellbyfinancial.com/disclosures). We regularly make updates to this Agreement and additional disclosures. We recommend you keep a copy for your records. This is your Membership Agreement and Account Disclosure (may also be referred to as Account Terms and Conditions) or contract with us. The Membership Agreement also includes these separate documents that pertain to our accounts: • Rates for dividend-bearing accounts o Wellby Dividend Rates • Personal accounts: o Additional Services and Fees including the Fee Schedule • Additional disclosures, such as amendments or agreements, that we provide to you either when you open your account or when we change the terms of your account. How to Get Started After you open your account, these optional services may make transacting and managing your account easier. Debit card – use your debit card to transact with merchants that accept debit cards, at Wellby ATMs, or for ATM cash deposits and withdrawals. Direct Deposit – have your paycheck, retirement benefits, or other sources of income deposited electronically into your account(s). Online Banking – helps you manage and keep track of your finances by allowing you easy access to: • Check your account balance and review transaction history • Transfer funds between your accounts and Wellby loans, other Wellby members, external accounts held at other financial institutions, and contacts (via email or SMS text) • View your electronic statements, posted checks, and notices to print at your convenience. • Reorder checks • Send and receive secure messages Mobile Banking - allows you to view your balances, make transfers, and send money – all from your mobile phone. Online Bill Pay – allows electronic payment of bills from one convenient place. Online Alerts – provide an electronic notice through email or text message about account activity, such as when direct deposit posts or when your balance drops below an amount you set. Fraud Alerts – provides an electronic notice through email or text message about suspicious activity on your debit card. Scheduled Transfers – helps make saving and loan payments easier by automatically transferring money from your share accounts. Overdraft Protection – helps you avoid overdrafts, declined or returned checks, and other items by linking a designated account (backup account) to your checking account and automatically transferring available funds from that backup account (designated share or line of credit loan). Overdraft Steward – helps you avoid declined card purchases when you do not have sufficient available balance in your account to cover a transaction at the time it is presented to us for payment, 2 but we pay it anyway at our discretion for a fee. (See the Overdraft Services Disclosure) How to Access Your Account Use any of the following channels to get access to your account and get information about our accounts and services: Wellby Branches find our nearest location on our website at wellbyfinancial.com Wellby ATMs locate the nearest ATM machine on our website at wellbyfinancial.com Online Banking visit us online at secure.wellbyfinancial.com Mobile Banking visit the Apple App Store or Google Play Store to download the mobile banking app. Telephone Banking or Retail Contact Center by calling (281) 488- 7070 or (800) 940-0708. How to Contact Us By Mail P.O. Box 58346, Houston, TX 77258 Overnight/Express Mail: 1330 Gemini, Houston, TX 77058 By Phone (281) 488 – 7070 or (800) 940 - 0708 Online www.wellbyfinancial.com 3 Table of Contents Welcome to Wellby! ..................................................................... 1 How to Get Started ........................................................................... 1 How to Access Your Account .......................................................... 2 Important Terms ................................................................................ 4 General Account Terms ................................................................ 7 Governing Law................................................................................... 7 Acceptance of Provision ................................................. ... ................. 7 Changes to This Agreement ........................................................... 8 Arbitration and Waiver of Class Action.......................................... 8 Arbitration Provisions .................................................................. 8 Opening a New Account .............................................................. 9 Membership Eligibility ................................................................... 10 Member in Good Standing ............................................................ 10 Bylaws and Account Termination ................................................. 11 Limitation, Suspension, and Service Restriction ......................... 11 Withdrawal of Services ................................................................... 12 Converting an Account .................................................................. 12 Account Ownership.................................................................... 12 Single Party Accounts ..................................................................... 12 Multiple Party Accounts ................................................................. 12 Convenience Accounts .................................................................. 13 Accounts for Minors ........................................................................ 13 Accounts for Guardianships and Estates ..................................... 13 Accounts for Trusts ......................................................................... 14 Business, Organization & Association Accounts ........................ 14 Additional Account Types .......................................................... 14 Uniform Transfer to Minors (UTMA) ............................................. 14 Representative Payee ..................................................................... 14 Agency Account .............................................................................. 15 Fiduciary Account ........................................................................... 15 Attorney Client Trust ....................................................................... 15 Real Estate Broker Client Trust Account ...................................... 15 Government/Municipal/Public Funds Accounts ........................ 16 Fees and Charges ....................................................................... 16 Using Your Checking and Savings Account ............................... 16 Deposits ................................................................................................. 16 Accepting Items for Deposit .................................................... 16 Right to Refuse Deposits ........................................................... 17 Right to Charge Back Deposited or Cashed Items ............... 17 Envelope Depository ................................................................. 17 Deposit Errors and Adjustments ............................................. 17 Early Payday ................................................................................ 18 Notice of Electronic Deposits................................................... 18 Accrual of Dividends ................................................................. 18 Balance Methods ....................................................................... 18 Balance Computation Method ................................................ 18 Checks .................................................................................................... 19 Check Processing ....................................................................... 19 Check Orders ............................................................................. 19 Check Copies ............................................................................. 19 Review of Check Images and Signatures ............................... 19 Incomplete, Conditional, Post-Dated, or Stale-Dated Checks ...................................................................................................... 19 Electronically Created Items (ECI) ........................................... 20 Foreign Items, Currency Conversion and Collection Item Processing ................................................................................... 20 Indorsement Standards ............................................................ 20 Substitute Checks, Indemnified Copies, Images and Image Replacement Copies ................................................................. 21 ATM/Debit Card and Other Access Devices............................... 22 Using Your Cards ............................................................................ 22 Safeguarding PIN ............................................................................ 24 Debit Card Limits ............................................................................ 24 Charges for ATM/Debit Card Transactions

Our free Wellby Secure Spending checking account is... month in each of the first three full calendar months following account opening. This does not include the month the account was opened.

Our free Wellby Secure Spending checking account... not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and...

credit card account per month; or $40,000 or more in ... of account opening, to achieve this criteria. During the first 90 days, a month-end...

Grow your savings with guaranteed returns and flexible terms.... 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...

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: 11/4/2025 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 0.75% 1.50% 0.75% 1.51% Daily Monthly $25.00 $0.00 $0.01 Daily Balance $10,000 - $24,999.99 1.00% 2.00% 1.01% 2.02% Daily Monthly $25.00 $0.00 $10,000.00 Daily Balance $25,000 - $49,999.99 1.25% 2.50% 1.26% 2.53% Daily Monthly $25.00 $0.00 $25,000.00 Daily Balance $50,000 - $99,999.99 1.50% 3.00% 1.51% 3.05% Daily Monthly $25.00 $0.00 $50,000.00 Daily Balance $100,000 - $249,999.99 1.63% 3.25% 1.64% 3.30% Daily Monthly $25.00 $0.00 $100,000.00 Daily Balance $250,000+ 1.75% 3.50% 1.77% 3.56% 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: 11/4/2025 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 2.96% 3.00% Monthly Monthly $1,000.00 No 90 Days Dividends Automatic with a 5-day grace period 12 months 2.96% 3.00% Monthly Monthly $1,000.00 No 90 Days Dividends 12 months — Bump Up* 3.20% 3.25% Monthly Monthly $1,000.00 No 90 Days Dividends 18 months 2.96% 3.00% Monthly Monthly $1,000.00 No 180 Days Dividends 24 months 3.53% 3.60% Monthly Monthly $1,000.00 No 180 Days Dividends 36 months 3.53% 3.60% Monthly Monthly $1,000.00 No 270 Days Dividends 48 months 2.96% 3.00% Monthly Monthly $1,000.00 No 365 Days Dividends 48 months — Bump Up* 3.20% 3.25% 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 2.96% 3.00% Monthly Monthly $1,000.00 No 90 Days Dividends Automatic with a 5-day grace period 12 months 2.96% 3.00% Monthly Monthly $1,000.00 No 90 Days Dividends 12 months — Bump Up* 3.20% 3.25% Monthly Monthly $1,000.00 No 90 Days Dividends 18 months 2.96% 3.00% Monthly Monthly $1,000.00 No 180 Days Dividends 24 months 3.53% 3.60% ... ACCOUNTS — To open an account with Wellby, you must deposit or already have on deposit the minimum required share(s) in a Share Savings account. 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 applies 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