ADDENDUM TO TRUTH IN SAVINGS ... - Golden 1 …

1 ADDENDUM TO TRUTH IN SAVINGS DISCLOSURE:ADDITIONAL SAVINGS ACCOUNTADDITIONAL SAVINGSRate Information - See separate Rate and crediting - Dividends will becompounded every month. Dividends will be credited toyour account every period - For this account type, the dividendperiod is monthly, for example, the beginning date of thefrst dividend period of the calendar year is January 1, andthe ending date of such dividend period is January other dividend periods follow this same pattern ofdates. The dividend declaration date follows the endingdate of a dividend period, and for the example above isFebruary 1.

2 If you close your account before dividendsare paid, you will not receive the accrued opening deposit There is no minimumdeposit required to open this maintenance fee - There is no monthlymaintenance balance requirements - You must maintain aminimum daily balance of $ in your account eachday to obtain the disclosed annual percentage balance computation method - Dividends arecalculated by the daily balance method which applies adaily periodic rate to the balance in the account each of dividends on non-cash deposits - Dividendswill begin to accrue on the

3 Business day you depositnon-cash items (for example, checks) in your limitations - During any month, you may notmake more than six withdrawals or transfers to anothercredit union account of yours or to a third party by meansof a preauthorized or automatic transfer, computertransfer, telephonic order or instruction or similar orderto a third party. If you exceed the transfer limitations setforth above, your account will be subject to closure bythe credit insured by NCUAC-36 DISC. INSERT (05-01-18) ADDENDUM TO TRUTH IN SAVINGS DISCLOSURE:ADDITIONAL SAVINGS ACCOUNTADDITIONAL SAVINGSRate Information - See separate Rate and crediting - Dividends will becompounded every month.

4 Dividends will be credited toyour account every period - For this account type, the dividendperiod is monthly, for example, the beginning date of thefrst dividend period of the calendar year is January 1, andthe ending date of such dividend period is January other dividend periods follow this same pattern ofdates. The dividend declaration date follows the endingdate of a dividend period, and for the example above isFebruary 1. If you close your account before dividendsare paid, you will not receive the accrued opening deposit There is no minimumdeposit required to open this maintenance fee - There is no monthlymaintenance balance requirements - You must maintain aminimum daily balance of $ in your account eachday to obtain the disclosed annual percentage balance computation method - Dividends arecalculated by the daily balance method which applies adaily periodic rate to the balance in the account each of dividends on non-cash deposits - Dividendswill begin to accrue on the

5 Business day you depositnon-cash items (for example, checks) in your limitations - During any month, you may notmake more than six withdrawals or transfers to anothercredit union account of yours or to a third party by meansof a preauthorized or automatic transfer, computertransfer, telephonic order or instruction or similar orderto a third party. If you exceed the transfer limitations setforth above, your account will be subject to closure bythe credit insured by NCUAC-36 DISC. INSERT (05-01-18) ADDENDUM TO TRUTH IN SAVINGS DISCLOSURE: ADDITIONAL SAVINGS ACCOUNT ADDITIONAL SAVINGS Rate Information - See separate Rate Sheet.

6 Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend period - For this account type, the dividend period is monthly, for example, the beginning date of the frst dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.

7 If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum opening deposit There is no minimum deposit required to open this account. Monthly maintenance fee - There is no monthly maintenance fee. Minimum balance requirements - You must maintain a minimum daily balance of $ in your account each day to obtain the disclosed annual percentage yield. Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

8 Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you deposit non-cash items (for example, checks) in your account. Transaction limitations - During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.

9 Federally insured by NCUA C-36 DISC. INSERT (05-01-18) 10/26/17 11:33 AM Page 1 Disclosure of Account Information (REVISED - JANUARY 2018) 10/26/17 11:33 AM Page 3 TABLE OF CONTENTS GENERAL TERMS AND CONDITIONS OF YOUR Important Information About Procedures for Opening a New Ownership of Account and Beneficiary Pay On Stop Telephone Amendments and Change in Terms Account Direct Temporary Account Right to Repayment of Authorized Signer (Individual Accounts Only)..15 Restrictive Legends or Check Death or Fiduciary Credit Legal Actions Affecting Your Telephonic Monitoring and Recording Telephone Calls and Consent to Receive Claim of Early Withdrawal Penalties (and involuntary withdrawals).

10 20 Address or Name Resolving Account Waiver of ACH and Wire Unclaimed Property Remotely Created Checking Account FUNDS AVAILABILITY LONGER DELAYS MAY SPECIAL RULES FOR NEW DEPOSITS AT AUTOMATED TELLER SUBSTITUTE CHECKS AND YOUR 10/26/17 11:33 AM Page 4 ELECTRONIC FUND Electronic Funds Transfers Initiated by Third Telephone ATM Types of ATM Card Point-of-Sale Types of Visa Debit Card Point-of-Sale Visa /Mastercard Foreign Transaction Advisory Against Illegal Non-Visa Debit Transaction Golden 1 OnlineSMOnline DOCUMENTATION.