Truth-In Savings Disclosure

Impact Checking, Impact Money Market, and 6 Month and 12 Month Impact CD

General: The terms and fees applicable to your account at National Cooperative Bank, N.A. are provided in this schedule. Except as specifically described, the following disclosures apply to all of the on-line accounts offered. You may reach NCB Deposit Services at (937) 393-4246, extension 6094 or (877) 393-4176.

Rate Information: The Annual Percentage Yield is a percentage rate that reflects the total amount of interest or earnings to be paid on an account based on the rate and frequency of compounding for an annual period. National Cooperative Bank, N.A, reserves the right to require no less than 7 days’ notice in writing before any withdrawal from an interest bearing account.

Special rules for new accounts: If you are a new customer, the following special rules may apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we received the deposit. Funds from deposits of cash, wire transfers and the first $5,525 of a day's total deposits of cashier's, certified, teller's traveler's and Federal, state and local government checks will be available on the next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. The excess over $5,525 will be available on the ninth business day after the day of the deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit.

These Impact accounts can only be opened online. They cannot be opened at the NCB branch.

Impact Checking

Frequency of Rate Changes and Rate Information:

The interest rate on your account is 1.15% with an Annual Percentage Yield of 1.16%
The rate and Annual Percentage Yield are variable and may change daily as determined by National Cooperative Bank, N.A.

Compounding and Crediting:

Frequency
- Interest will credit on the 15th of the month and compound daily.
Effect on closing an account
- If you close your account before interest is credited; you will receive the accrued interest at closing.

Minimum Balance Requirements:

To open the account
- There is no minimum balance to open the account
To avoid a monthly account maintenance service charge
- A fee of $15 will be imposed on the last day of the cycle if the average balance in the account falls below $500.
To obtain the annual percentage yield disclosed
- You must maintain a minimum balance of $0.01 in the account each day.

Balance Computation Method:

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

Accrual of Interest on Noncash Deposits:

Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example checks).

Fees:
Account Balancing Assistance	$25/hr
Account Research	$25/hr
Check Printing	Based on style
Credit Copy	$2
Counter Check Printing	$1
Domestic Wire Transfers (incoming)	$10
Domestic Wire Transfers (outgoing)	$25
Dormant Account	$5 per month
Early Account Closing Fee(within 3 months)	$25
Excessive Transactions (per item over 4 per month)*	$1
Fax	$2 per page
Foreign ATM Surcharge	$3
Foreign Item Exchange(plus correspondent bank fees)	$25
Garnishment Fee	$100
International Wire Transfer (incoming)	$10
International Wire Transfer(outgoing)	$35
Non-Customer Check Cashing Fee	$10
Non-Sufficient Funds Fee^	$35
Official Check Fee	$7
Overdraft Protection Transfer from Account	$3
Replacement ATM/Debit Card	$10
Return Mail Processing	$5
Returned Deposit Item	$15
Statement Copy	$5
Statement Snapshot(per page)	$1
Stop Payment(check/check series)	$35
Verification of Deposit	$10

Fees are subject to change.

All accounts are subject to approval.

*Applies to Statement Savings and MMDA

^NSF fees can be incurred by overdrawing your checking account by check, ACH and /or bank withdrawal.

Excessive Transactions:

An excessive transaction withdrawal fee of 1.00 will be assessed to the account for each withdrawal, ATM/Debit card withdrawal, preauthorized or automatic withdrawals/transfers over 4 per month.

Temporary transaction limitations:

National Cooperative Bank, N.A., will limit your ability to withdrawal funds until your identity has been verified.

Impact Money Market

Frequency of Rate Changes and Rate Information:

The interest rate on your account with an annual percentage yield will be as follows:

$0-$9,999: Interest Rate 2.50% Annual Percentage Yield 2.53%
$10,000- $49,999: Interest Rate 2.50% Annual Percentage Yield 2.53%
>=$50,000: Interest Rate 2.50% Annual Percentage Yield 2.53%

The rate and Annual Percentage Yield are variable and may change daily as determined by National Cooperative Bank, N.A.

Compounding and Crediting:

Frequency
- Interest will credit on the last day of the month and compound daily.
Effect on closing an account
- If you close your account before interest is credited; you will receive the accrued interest at closing.

Minimum Balance Requirements:

To open the account
- You must deposit $100.00 to open this account.
To avoid a monthly account maintenance service charge
- A fee of $25.00 will be imposed on the last day of the cycle if the average monthly balance in the account falls below $5000.00.
To obtain the annual percentage yield disclosed
- You must maintain a minimum balance of $0.01 in the account each day.

Balance Computation Method:

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

Accrual of Interest on Noncash Deposits:

Interest begins to accrue on the first business day after the banking day you deposit non-cash items (for example checks).

Fees:
Account Balancing Assistance	$25/hr
Account Research	$25/hr
Check Printing	Based on style
Check Copy	$2
Counter Check Printing	$1
Domestic Wire Transfers (incoming)	$10
Domestic Wire Transfers (outgoing)	$25
Dormant Account	$5 per month
Early Account Closing Fee(within 3 months)	$25
Excessive Transactions (per item over 4 per month)*	$1
Fax	$2 per page
Foreign ATM Surcharge	$3
Foreign Item Exchange(plus correspondent bank fees)	$25
Garnishment Fee	$100
International Wire Transfer (incoming)	$10
International Wire Transfer (outgoing)	$35
Non-Customer Check Cashing Fee	$10
Non-Sufficient Funds Fee^	$35
Official Check Fee	$7
Overdraft Protection Transfer from Account	$3
Replacement ATM/Debit Card	$10
Return Mail Processing	$5
Returned Deposit Item	$15
Statement Copy	$5
Statement Snapshot (per page)	$1
Stop Payment (check/check series)	$35
Verification of Deposit	$10

Fees are subject to change.

All accounts are subject to approval.

*Applies to Statement Savings and MMDA

^NSF fees can be incurred by overdrawing your checking account by check, ACH and /or bank withdrawal.

Excessive Transactions:

An excessive transaction withdrawal fee of 1.00 will be assessed to the account for each withdrawal, ATM/Debit card withdrawal, preauthorized or automatic withdrawals/transfers over 4 per month.

Temporary transaction limitations:

National Cooperative Bank, N.A., will limit your ability to withdrawal funds until your identity has been verified.

6 Month Impact CD

Frequency of Rate Changes and Rate Information:

The interest rate on your account is 4.90% with an annual percentage yield of 5.02%.
The rate and annual percentage yield is fixed until the first maturity of the CD.

The interest rate and annual percentage yield stated above are accurate as of the above date. For current rate and yield information please call us at (937) 393-4246 or
800-322-1251.

Compounding frequency

Interest will be compounded continuously.

Crediting frequency

Interest will be credited to your account at the end of each quarter and at maturity.

Minimum balance to open the account

You must deposit $2,500.00 to open an Impact 6 Month Certificate of Deposit.
You must maintain a minimum balance of $500 in the account each day to obtain the disclosed annual
percentage yield.

Daily 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

Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Effect of closing an account

If you close your account before interest is credited, you will receive the accrued interest.

Transaction limitations:

You may not make deposits into your account before maturity.
You may make withdrawals of principal from your account before maturity upon Bank approval.
Principal withdrawn before maturity is included in the amount subject to earlywithdrawal penalty.
You can only withdraw credited interest before maturity of that term without penalty.

Early withdrawal penalties (a penalty imposed for withdrawals before maturity)

The penalty we impose will equal 3 months interest on the amount withdrawn.
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty.
Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan.

Withdrawal of interest prior to maturity

The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.

Automatically renewable time account

This account will automatically renew at maturity.
You may prevent renewal if you close the account upon maturity or within the grace period. If you prevent renewal, interest will not accrue after final maturity.
Each renewal term will be the same as the original term, beginning on the maturity date.
You will have ten calendar days after maturity to withdraw the funds without a penalty.

12 Month Impact CD

Frequency of Rate Changes and Rate Information:

The interest rate on your account is 5.05% with an annual percentage yield of 5.18%.
The rate and annual percentage yield is fixed until the first maturity of the CD.
Compounding and Crediting:
Frequency
- Interest will credit at the end of each quarter and compound continuously.

Effect on closing an account
- If you close your account before interest is credited; you will receive the accrued interest at closing.

Minimum Balance Requirements:

To open the account
- You must deposit $2500.00 to open this account.
Time deposit minimum balance accounts
- We reserve the right to treat any withdrawal which would reduce the balance remaining in the account below the required minimum initial deposit or minimum balance as a withdrawal of the entire account balance and calculate the amount of the penalty accordingly.
To obtain the annual percentage yield disclosed
- You must maintain a minimum balance of $2,500.00 in the account each day.

Balance Computation Method:

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

Accrual of Interest on Noncash Deposits:

Interest begins to accrue no later than the business day you deposit non-cash items (for example checks).

Fees:
Account Balancing Assistance	$25/hr
Account Research	$25/hr
Check Printing	Based on style
Check Copy	$2
Credit Inquiry	$25
Counter Check Printing	$1
Domestic Wire Transfers (incoming)	$10
Domestic Wire Transfers (outgoing)	$25
Dormant Account	$5 per month
Early Account Closing Fee(within 3 months)	$25
Excessive Transactions (per item over 4 per month)*	$1
Fax	$2 per page
Foreign ATM Surcharge	$3
Foreign Item Exchange(plus correspondent bank fees)	$25
Garnishment Fee	$100
International Wire Transfer (incoming)	$10
International Wire Transfer(outgoing)	$35
Non-Customer Check Cashing Fee	$10
Non-Sufficient Funds Fee^	$35
Official Check Fee	$7
Overdraft Protection Transfer from Account	$3
Replacement ATM/Debit Card	$10
Return Mail Processing	$5
Returned Deposit Item	$15
Statement Copy	$5
Statement Snapshot(per page)	$1
Stop Payment(check/check series)	$35
Verification of Deposit	$10

Fees are subject to change.

All accounts are subject to approval.

*Applies to Statement Savings and MMDA

^NSF fees can be incurred by overdrawing your checking account by check, ACH and /or bank withdrawal.

Time deposit withdrawal limitations:

You may make withdrawals of the principal from your account before maturity upon bank approval. You can withdraw interest any time without penalty during your term. Removing funds from the account will have a direct impact on the yield you receive on the account.

Additions to CD accounts:

You may not make any deposits into your account until maturity.

Time Deposit Renewal Policy:

This account will automatically renew into another term upon maturity. You will have a 10 day grace to change your product or close your account without penalty. If you do not act on this account it will be automatically renewed in another 12 month term. You will be reminded in advance of the maturity of your CD. You can review the rates at National Cooperative Bank, N.A. by reaching out or to us at (937) 393-4246, extension 6094 or (877) 393-4176.

Time Deposit Early withdrawal penalty:

A penalty will be imposed for withdrawals before maturity. The penalty on a 12 month Impact CD is an amount equal to 6 months’ worth of interest calculated.

Temporary transaction limitations:

National Cooperative Bank, N.A., will limit your ability to withdrawal funds until your identity has been verified.

Updated October 712.2023