Truth in Savings Checking Savings Disclosure

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 all earning accounts, the dividend rate and Annual Percentage Yield are subject to change periodically and are reviewed 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. High Yield Savings and Money Market Accounts are tiered-rate accounts. The balance ranges, corresponding dividend rates and Annual Percentage Yields applicable to each tier are disclosed in the Rate Schedule. For Money Market 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. For High Yield Savings Accounts, each dividend rate will apply only to that portion of the account balance within each balance range. 2. STUDENT REWARDS ACCOUNT — Student Rewards Accounts are checking accounts only available to members 13 – 25 years of age, enrolled in school (primary, secondary or post-secondary education, verified at account opening). Student Rewards Accounts are eligible for 5% cashback on the sum of all PIN and signature-based debit card transactions. The cashback will be paid to your checking account by the fifth day of the following month's statement cycle or the next business day. The cashback will be capped at $10 per month per checking account for a maximum annual total of $120. Cashback amounts paid to your account may be considered 1099-MISC income and may be reported to the IRS; please consult your tax professional. If your checking account has a negative balance on any day of the month, you will forfeit the cashback payment to your account for that calendar month. You are eligible for this cashback payment until your Student Rewards Account is converted to a UKFCU Checking account or the date of your 26th birthday. 3. NATURE OF DIVIDENDS — Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. 4. DIVIDEND COMPOUNDING AND CREDITING — The compounding and crediting of dividends and dividend period applicable to each account are set forth 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. 5. ACCRUAL OF DIVIDENDS — For Prime Share and all other UKFCU share accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. 6. BALANCE INFORMATION — To open an account, you must deposit or already have on deposit the minimum required share(s) in a Primary Share 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 above. For Prime Share, Senior Savings, and Money Market accounts, there is a minimum daily balance required to obtain the Annual Percentage Yield for the dividend period. If the minimum daily balance is not met, you will not earn the stated Annual Percentage Yield. 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. 7. ACCOUNT LIMITATIONS — For Christmas Club Savings Accounts, the entire balance will be transferred to another account of yours on or after October 1st and the account will remain open. For Student Rewards Accounts, your checking account will automatically be converted to a UKFCU Checking account on your 26^th birthday. Student Rewards Accounts are not eligible for Courtesy Pay (Overdraft Protection). No Lending Services will be available on your Student Rewards Account until you have reached the age of 18. High Yield Savings Accounts may be limited to one per primary member's social security number. For all other accounts, no account limitations apply. 8. 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 the Courtesy Pay Plan (Overdraft Protection) 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 Membership and Account Agreement and 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 Schedule of Fees and Charges 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. 9. 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

10. RATES - The rates provided in or with the Rate Schedule are accurate and effective for accounts as of the Last Dividend Declaration Date indicated on this Truth-in-Savings Disclosure. If you have any questions or require current rate and fee information on your accounts, please contact the Credit Union.

Corporate Offices
1730 Alysheba Way
Lexington, KY 40509
Phone: (859) 264-4200 or (800) 234-8528

GROWBIGBLUE - UK Employee $400 Promotion

This disclosure is for any UK employee who meets the eligibility criteria to be a member of UKFCU and opens any new Checking Account. This offer is valid for new or existing members who do not have a checking account with UKFCU and have not had one in the last 12 months using Promo Code GROWBIGBLUE; the following applies – account holders will receive a $100 bonus on account opening (which will be deposited into the checking account within 7 business days) and will have up to 95 days to earn a further $300 bonus by meeting these requirements:

• (1) Maintaining your account in good standing with a positive balance, and;
• (2) Completing at least three Direct Deposits totaling $3,000.00 or more into your UKFCU Checking Account, and;
• (3) Completing 30 or more debit card transactions

Once requirements are met, the bonus of $300.00 will be automatically deposited into the checking account within 7 business days. The minimum balance to earn the bonus is $0.00, and the minimum to open membership is $25.00. Please see a UKFCU Representative for more details. Offer valid until December 31, 2025.

GROWbabyGROW - UK Children's Hospital Savings Account

This disclosure is for any individual who meets the eligibility criteria to be a member of UKFCU and opens a UKFCU Prime Share Account. This offer is valid for new members who have opened a savings account for their new baby using the Promo Code GROWbabyGROW; the following applies – accountholders will have to meet the requirements to earn the bonus by:

• (1) Opening a new Prime Share Savings for newborn child.
• (2) Presenting promotional card for ABCD’s of Safe Sleep.

The minimum balance to earn the bonus is $0.00, and the minimum to open membership is $25. Once requirements have been met, UKFCU representative will place the $25 bonus in the Prime Share Savings account. Please see a UKFCU Representative for more details. Offer valid February 1, 2024 – March 30, 2025.

These offers cannot be combined. Bonus funds may be considered 1099-MISC taxable; consult your tax advisor. UKFCU reserves the right to end the promotion without notice.