PERSONAL SAVINGS - Woodforest National Bank

PERSONAL SAVINGS

ACCOUNT OVERVIEW

Please note this document is an overview of account fees and terms. For full account details and other related fees, see our other account disclosures and the Schedule of Fees.

Account Opening and Usage

Minimum Deposit to Open Account $25.00

Monthly Minimum Balance Fee $3.00 if balance falls below $200 any day of the statement period

Requirements to Waive Minimum Balance a $200 minimum daily balance is maintained each day in the statement Fee period

Tiered Rate: The interest rate and annual percentage yield for your account depends upon the applicable rate tier.

Annual Percentage Yield (APY) Interest Rate

Annual Percentage Yield (APY) Interest Rate

Excessive Withdrawal Fee

0.03% 0.03% 0.05% 0.05%

$2.00

if daily collected balance is less than $10,000 if daily collected balance is less than $10,000 if daily collected balance is $10,000 or more; a daily collected balance of $10,000 must be maintained to obtain the yield

for each debit over 3 per month

ATM Withdrawal Fees Debit Card Cash Advance Fee

$0.00 $2.50 $2.00

per transaction, at a Woodforest ATM per transaction, at a non-Woodforest ATM per transaction

Insufficient (NSF) Item Fee $32.00 each time an item is returned

Paper Statement Fee $3.00 monthly (sign up for eStatements to avoid fee)

Charge Back Fee $10.00 each time an item is returned that you deposited or cashed

Stop Payment Fee $35.00 per item to stop payment for up to 6 months

Account Closing Fee $25.00 if account closed within 180 days of opening

Debit Card Setup Fee $15.00 one-time fee, per card

Debit Card Replacement $10.00 for replacing an existing card with a new card with the same card number

Other Service Fees See the back of this document for additional service fees

Overdraft Options

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. If you deposit enough funds to cover all the NSF items (and their related fees) by 11:00 a.m. CT the bank will pay the items, whenever possible. We can cover your overdrafts in several ways:

No Overdraft Service

ACH and debit card recurring bill payments-will be returned whenever possible and you will be charged an Insufficient Item (NSF) Fee of $32.00 each time we return an item. There is a limit of 3 NSF/OD fees per day on your account.

Overdraft Transfer Fee (Sweep Fee)

Overdraft (OD) Item Fee

ATM and everyday debit card transactions-that would cause an overdraft will be declined, at no cost to you.

$5.00 per overdraft covered by transfer from a linked checking or savings account

$32.00 each time an item is paid into the overdraft

Minimum Amount Required to Trigger an $1.00 if an item overdraws your account by $1.00 or less, no

Overdraft (OD) Item Fee

overdraft fee will be incurred

Maximum Fees Per Day

3

limit of 3 OD and/or NSF fees per day

Extended Overdraft Penalty Fee None

Please refer to our Consumer Overdraft Services disclosures for complete details and related fees.

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PERSONAL SAVINGS

Processing Policies

Dispute Resolution

Other Service

Fees

Posting Order: The order in which withdrawals and deposits are processed. We may determine at our discretion the order that we process and post credit and debit items. Typically, all credits are posted to your account first, and then debits are paid in the following order by category:

? Rejected items from the previous day, ? ATM withdrawals and Debit Card transactions (POS), ? Teller cashed items, ? Automated Clearing House (ACH) items, and ? All other checks Items inside each category are paid smallest to largest, with the exception of checks, which are paid in sequential check number order. Items may not be processed in the order in which they occurred. The order in which transactions are paid can affect the total amount of overdraft fees incurred. Items are paid based on your account balance.

Funds Availability: When funds deposited to your account are available. Funds deposited to your account are generally available the next banking day if your relationship with us is less than 180 days old. However, if your relationship with us is over 180 days old, then funds are generally available the same day. Some deposited items will be available immediately regardless of how long your relationship has been with us. Those are as follows:

? Cash deposits at the teller line or ATM; and ? Direct deposit; and ? POS Account Credit Transaction; and ? Wire transfers. If we delay availability from the above referenced timeframes, we will notify you at the time you make your deposit. In some situations, for example when you make a deposit at an ATM, we may notify you after your deposit is made that your funds will not be available for up to 7 business days. A "business day" is a non-holiday weekday. Please refer to our Funds Availability Policy disclosure for complete details.

If you have a dispute regarding your depository account or the service you have received, you should notify your local branch or contact us toll-free at 877-968-7962. You may request escalation of your issue to a Manager, Regional Manager or Bank Officer within Woodforest National Bank. We will attempt to resolve the issue directly with you.

If we are unable to resolve the dispute to your satisfaction, Woodforest accounts have a binding arbitration provision that provides alternative dispute resolution with an unrelated third party, who will evaluate each of the issues presented and deliver an unbiased decision.

Please refer to our Arbitration Agreement for complete details regarding arbitration.

Activity Printout Hold Statement Inactive Account

Legal Processing1 Phone Inquiry Research2

Return Mail Fee Transfer of Funds Debit Card International Transaction

ATM Balance Inquiry

Money Orders

$5.00 $2.00 $15.00

$150.00 $2.00 $25.00 $10.00 $5.00 $2.00

$0.00 $1.50 $1.50

per month (not available in all branches) per month, no activity for 6 months and the balance is under $100

per hour, one hour minimum per month transfer requests by phone per transaction, if the country code of the cardholder differs from the merchant or merchant's processor per transaction, at a Woodforest ATM per transaction, at a non-Woodforest ATM

Please refer to our Schedule of Fees for complete details of all Service Fees.

1 Legal processing includes but is not limited to, garnishments, attachments, orders, levies and liens. The fee is calculated per each occurrence, to the extent allowed by applicable law. 2 For Ohio residents only: The research fee ranges from $11.00 to $17.00 per hour as applicable by law. 070 Effective 3-16-2020 Page | 2

PERSONAL SAVINGS

Rate Information

The interest rate and annual percentage yield stated within are accurate as of the effective date below. If you would like more current rate and yield information, please call us at 1-877-968-7962.

Variable Rate: Your interest rate and annual percentage yield depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change.

Determination of Rate: At our discretion, we may change the interest rate on your account.

Frequency of rate change: We may change the interest rate on your account at any time.

Compounding and Crediting: Interest will be compounded quarterly and interest will be credited to your account quarterly.

Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.

Balance Computation Method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits: For noncash deposit items, such as checks, interest begins to accrue no later than the business day we receive credit for your deposit of noncash items. For cash, wire transfers and electronic direct deposits, interest begins to accrue on the business day your deposit posts to your account.

070 Effective 3-16-2020 Page | 3

Schedule of Fees

The following fees apply to all your accounts with us except Certificates of Deposit and Time Deposit Accounts:

Account Certification Letter Account Closed

(Within 180 days of opening) Activity Printout ATM Balance Inquiry

(per transaction at non-Woodforest ATM) ATM Withdrawal

(per transaction at non-Woodforest ATM) Cashier Checks Charge Back

(Each time an item is returned that you deposited or cashed.) Coin (per roll) Coin Wrappers (per box) Collection Items Currency (per strap) Currency Straps (per bundle) Debit Card Cash Advance Fee (per transaction) Debit Card International Transaction (Per transaction in which the country/region of the cardholder differs from the country/region of the merchant or the merchant's processor.) Debit Card Replacement (For replacing an existing card with a new card with the same number.) Debit Card Setup Fee Fax (per page) Hold Statement (per month) (Not available in all branches) Inactive Account (per month) (No activity for 6 months & balance under $100.) Insufficient Item (NSF) (Imposed each time an item is returned.)

$20.00 $25.00

$ 5.00 $ 1.50

$ 2.50

$10.00 $10.00

$.06 $5.00 $15.00

$.30 $5.00 $2.00

$2.00

$10.00

$15.00 $2.00 $2.00

$15.00

$32.00

Legal Processing

(Legal processing includes, but is not

limited to, garnishments, attachments,

orders, levies, and liens. The fee is

calculated per each occurrence , to the

extent allowed by applicable law.)

Lock Bag

Money Orders

Official Check Claim

Overdraft Item (OD)

(Imposed for overdrafts created by check,

in person withdrawals, ATM withdrawals,

or any other electronic means.)

Paper Statement Fee

(Monthly or quarterly based on product.)

Phone Inquiry

Photocopies (per page)

Research1 (per hour, one hour minimum)

Return Mail Fee (per month)

Safe Deposit Boxes

Drill Box

Lost Key

Key Deposit

10 x 10 box

5 x 10 box

3 x 10 box

3 x 5 box

Stop Payment

Sweep (per transfer)

Temporary Checks

10 for

(Not available in all branches.)

Transfer of Funds (per transfer)

Traveler's Checks

1.5% of

Wire Transfer

Foreign Outgoing USD

Foreign Outgoing FX

Domestic and Foreign Incoming

Domestic Outgoing

Zipper Bag

$150.00

$25.00 $1.50 $35.00 $32.00

$3.00

$2.00 $1.00 $25.00 $10.00

$150.00 $25.00 $25.00

$100.00 $75.00 $50.00 $25.00 $35.00 $5.00 $10.00

$5.00 Purchase

$85.00 $55.00 $20.00 $35.00

$5.00

1 For Ohio residents only: The research fee ranges from $11.00 to $17.00 per hour as applicable by law.

WNB Schedule of Fees Revised 10/1/2019

Terms and Conditions Effective May 1, 2021

MEMBER FDIC

EQUAL HOUSING LENDER

AN EQUAL OPPORTUNITY EMPLOYER

TABLE OF CONTENTS

TERMS AND CONDITIONS OF YOUR ACCOUNT....................................2 Important Information About Procedures

for Opening a New Account....................................................................2 Agreement....................................................................................................2 Liability .........................................................................................................2 Deposits .......................................................................................................2 Withdrawals..................................................................................................3 Understanding and Avoiding Overdraft

and Insufficient Item (NSF) Fees ............................................................3 Ownership of Account and Beneficiary Designation ....................................4 Notice to Joint Account Holders ...................................................................6 Uniform Single-Party or Multiple-Party Account

Selection Form Notice ............................................................................7 Fiduciary.......................................................................................................7 Business, Organization and Association Accounts ......................................8 Stop Payments.............................................................................................8 Telephone Transfers ....................................................................................9 Amendments and Termination .....................................................................9 Account Restrictions; Freezing Accounts, Refusing,

Blocking or Delaying Transactions or Funds - ......................................10 Notices .......................................................................................................10 Statements .................................................................................................10 Account Transfer........................................................................................10 Direct Deposits...........................................................................................10 Temporary Account Agreement .................................................................10 Setoff..........................................................................................................11 Restrictive Legends or Indorsements.........................................................11 Facsimile Signatures..................................................................................11 Check Processing ......................................................................................11 Check Cashing...........................................................................................11 Stale-Dated Checks ...................................................................................11 Indorsements .............................................................................................11 Death or Incompetence..............................................................................12 Fiduciary Accounts.....................................................................................12 Credit Verification.......................................................................................12 Legal Actions Affecting Your Account ........................................................12 Account Security ........................................................................................12 Telephonic Instructions ..............................................................................13 Communications Agreement......................................................................13 Notice and Consent Agreement Regarding

Electronic Communications Delivery Service .......................................13 Claim of Loss .............................................................................................14 Early Withdrawal Penalties ........................................................................14 Address or Name Changes........................................................................14 Resolving Account Disputes ......................................................................14 Waiver of Notices .......................................................................................14 ACH and Wire Transfers ............................................................................14 Pledges ......................................................................................................14 Power of Attorney.......................................................................................14 FDIC Insurance ..........................................................................................15 Unclaimed Property....................................................................................15 UTMA Accounts .........................................................................................15 UGMA Accounts.........................................................................................15 Cash Transaction Reporting ......................................................................15 Lost, Destroyed, or Stolen Certified, Cashier's,

or Teller's Checks .................................................................................15 Changing Account Products.......................................................................15 Transactions by Mail ..................................................................................16 Check Storage and Copies ........................................................................16 Truncation, Substitute Checks, and Other Check Images .........................16

Remotely Created Checks .........................................................................16 Unlawful Internet Gambling Notice.............................................................16 Account Classification ................................................................................16 International ACH Transactions .................................................................16 Funds Transfers .........................................................................................16 ELECTRONIC FUND TRANSFERS

YOUR RIGHTS AND RESPONSIBILITIES..........................................17 FUNDS AVAILABILITY POLICY...............................................................21 ARBITRATION AGREEMENT ..................................................................22 Common Features .....................................................................................23

? 2019 Wolters Kluwer Financial Services, Inc. All rights reserved. AIB 8/1/2019 Custom TCM-53ae,2,3,5 201725043-010

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