Truth-in-Savings disclosures.

Except as specifically described, the following disclosures apply to all of the accounts named above.

1. Rate information. The dividend rate and annual percentage yield (APY) on your accounts are set forth above. For dividend-bearing accounts, the dividend rate and annual percentage yield may change monthly for the Business Growth checking, business savings, STCU Business money market, IOLTA ID Business Checking, IOLTA OR Business Checking, IOLTA WA Business Checking, IRETA OR Business Checking, and IRETA WA Business Checking accounts as determined by the Board of Directors. The Business Growth checking, STCU Business money market, IOLTA, and IRETA accounts are tiered-rate accounts and must maintain the minimum balances listed above to earn the disclosed annual percentage yields. Once a balance tier has been met, the dividend rate and annual percentage yield for that tier will be paid on the entire balance 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. The dividend rate and annual percentage yield are the prospective rates and yields that STCU anticipates paying for the applicable dividend period.
3. Compounding and crediting. Dividends will be compounded and credited as set forth above. The dividend period for each account is monthly. 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. Dividends will begin to accrue on both cash and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For business savings, Business Growth checking, IOLTA ID Business Checking, IOLTA OR Business Checking, IOLTA WA Business Checking, IRETA OR Business Checking, and IRETA WA Business Checking, if you close your account before accrued dividends are credited, accrued dividends will not be paid. For STCU Business money market accounts accrued dividends will be paid if you close your account before accrued dividends are credited.
5. Balance information. The minimum balance required to open each account is set forth above. For STCU Business money market and Business Growth checking accounts, the minimum balance required to obtain the stated annual percentage yield is set forth above. If the minimum balance is not met, you will not earn the stated annual percentage yield. For all dividend-bearing accounts, dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in the account each day. IOLTA WA Business Checking, IOLTA ID Business Checking, IOLTA OR Business Checking, IRETA WA Business Checking, and IRETA OR Business Checking, dividends are calculated by the average daily balance method.
6. Account limitations. There are no limits on the number of transactions and transfers initiated from the business analyzed checking account. However, transaction limitations do apply to the business savings and STCU Business money market accounts as follows: No more than six (6) pre-authorized, automatic, or telephone transfers may be made from these accounts to another account of yours or to a third party in any calendar month. If you exceed these limitations, your account may be subject to a fee. The Business Freedom and Business Growth checking accounts do have a limitation on the number of cash and cleared checks a business is permitted each month, if you exceed these limits, you may be subject to a fee. The business analyzed checking account analysis charge does not include the following fees when calculating the month end analysis charge: Garnishment, membership, overdraft, same day ACH and ACH replacement token. IRETA accounts are only available to Washington and Oregon real estate professionals, and RETA accounts are only available for Idaho real estate professionals.