Forklift operator, warehouse experience

© CUNA Mutual Group ****, ****, **-** All Rights Reserved 04108513-D3700-P-1-052220 (TISDM0 D3700)-e

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 accounts from time to time. RATE SCHEDULE

ACCOUNT TYPE

DIVIDENDS BALANCE REQUIREMENTS

ACCOUNT

LIMITATIONS

Dividend Rate/

Annual Percentage Yield

(APY)

Dividends

Compounded

Dividends

Credited

Dividend

Period

Minimum

Opening

Deposit

Minimum

Balance to

Avoid a

Service Fee

Minimum

Balance to

Earn the

Stated APY

Balance

Method to

Calculate

Dividends

Primary Share

$500.00 to $999.99

/

$1,000.00 to $2,999.99

/

$3,000.00 or greater

/

Quarterly Quarterly

Quarterly

(Calendar)

$25.00 — $500.00

Daily

Balance

—

Christmas Club / Quarterly Quarterly

Quarterly

(Calendar)

— — —

Daily

Balance

Account withdrawal

limitations apply.

Vacation Club / Quarterly Quarterly

Quarterly

(Calendar)

— — —

Daily

Balance

Account withdrawal

limitations apply.

IRA / Quarterly Quarterly

Quarterly

(Calendar)

$5.00 — —

Daily

Balance

Account limitations apply.

Money Market

$5,000.00 to $9,999.99

/

$10,000.00 to $24,999.99

/

$25,000.00 to $49,999.99

/

$50,000.00 to $99,999.99

/

$100,000.00 or greater

/

Monthly Monthly

Monthly

(Calendar)

$5,000.00 $2,500.00 $5,000.00

Daily

Balance

—

Basic Checking / Quarterly Quarterly

Quarterly

(Calendar)

— — —

Daily

Balance

—

Extras Checking / Quarterly Quarterly

Quarterly

(Calendar)

— — —

Daily

Balance

—

New Direction Checking — — — — $100.00 — — — Account limitations apply. Youth Checking — — — — — — — — Account limitations apply. 11/03/2022

0.01% 0.01%

0.03% 0.03%

0.05% 0.05%

0.05% 0.05%

0.05% 0.05%

0.75% 0.75%

1.20% 1.20%

1.25% 1.25%

1.30% 1.30%

1.35% 1.35%

1.50% 1.50%

0.03% 0.03%

0.03% 0.03%

04108513-D3700-P-1-052220 (TISDM0 D3700)-e

ACCOUNT DISCLOSURES

Except as specifically described, the following

disclosures apply to all of the accounts. All accounts described in this Truth-in-Savings Disclosure are

share accounts.

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 Primary Share, Christmas Club, Vacation Club, IRA, Money Market, Basic Checking, and Extras Checking

accounts, 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 prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Primary Share and Money Market

accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For tiered accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account.

2. NATURE OF DIVIDENDS — 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 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. ACCRUAL OF DIVIDENDS — For all earning

accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account.

5. BALANCE INFORMATION — To open any account,

you must deposit or already have on deposit the minimum required share(s) in a Primary Savings account. Some accounts may have additional minimum opening deposit requirements. The minimum balance requirements

applicable to each account are set forth in the Rate Schedule. For Money Market accounts, 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 during each day of the dividend period, you will be charged a service fee as stated in the Fee Schedule. For Primary Share and Money Market accounts, 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 each day of the period, you will not earn the annual percentage yield stated in the Rate Schedule. For accounts using the daily balance method as stated in the Rate Schedule dividends are calculated by applying a daily periodic rate to the principal in the account each day.

6. ACCOUNT LIMITATIONS —For Christmas Club

accounts, the entire balance will be transferred to a share account annually on the third Wednesday of October and the account will remain open. If you withdraw from your Christmas Club account, you will be charged a fee as disclosed 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 Vacation Club

accounts, the entire balance will be transferred to another account of yours on or after June 1 and the account will remain open. If you withdraw from your Vacation Club account, you will be charged a fee as disclosed 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 IRA accounts, you may not make any withdrawals or transfer to another FECA account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction or similar order to a third party. For New Direction Checking accounts, you must maintain a minimum daily balance of

$100.00 to remain open, direct deposit is required and the account is not eligible for Courtesy Pay. For Primary Share, Youth Checking accounts, Money Market, Basic Checking, and Extras Checking accounts, no account limitations apply.

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.

8. 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 $25.00

Number of Shares Required 1

9. RATES — The rates 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 information on your accounts, please call the Credit Union.

10. FEES — See separate fee schedule for a listing of fees and charges applicable to your account(s).

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LOCATIONS

Main Branch

2731 Nonconnah Blvd.

Memphis, TN 38132

Cordova, Tennessee

8195 Dexter, Ste. 101

Cordova, TN 38016

FedEx World Technology Center

50 FedEx Parkway

Collierville, TN 38017

FedEx World HQ

3670 Hacks Cross Road Bldg. G

Memphis, TN 38125

Indianapolis, Indiana

6311 Airway Drive, Ste. 100

Indianapolis, IN 46241

Harrison, Arkansas

2200 Forward Dr.

Harrison, AK 72601

Los Angeles, California

2333 Utah Ave.

El Segundo, CA 90245

Pittsburgh, Pennsylvania

1000 FedEx Dr.

Moon Township, PA 15108

DFW, TX

2421 Westport Ste. 1300

Fort Worth, TX 76177

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