Kasasa Disclaimers

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle (MQC) in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means a period beginning on the first day of the current month and ends on the last day of the month. The following activities do not count toward earning account rewards: ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as one transaction for the purpose of earning account rewards. “Statement Cycle” means the period for which the credit union provides a summary of the financial activities and transactions that post and settle to the member’s account. Reward Information: When your Kasasa® Cash Checking account qualifications are met during a MQC, the following rewards will be distributed to your account(s): Kasasa® Cash Dividend Rates and APY*: 1) Tier 1- A dividend rate of 4.17% with an APY of 4.25% will be paid on the portion of your average daily balance that is less than or equal to $10,000.00. Tier 2: A dividend rate of 0.75% with an APY of 4.25%-0.75% depending on the balance in the account will be paid on the portion of your average daily balance that is greater than $10,000.00. 2) ATM Withdrawal Fee Reimbursements: You will receive reimbursements up to $15 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred during the MQC in which you met your Kasasa® Cash qualifications. Rewards are credited to the appropriate account on the first business day following the last day of each Statement Cycle. When your Kasasa® Cash account qualifications are not met, the dividend rate paid on the entire balance will be 0.05% with an APY of 0.05% and ATM withdrawal fees will not be refunded. APY = Annual Percentage Yield. APY’s are accurate as of 10/01/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment and receipt of electronic statements is a condition of the GENCO Kasasa® Cash Checking account. However, you may choose to receive a paper statement, as well, for a fee of $2.00 per month. Rewards may vary by account. There is a $50.00 minimum deposit required to open the checking account. To qualify for rewards each MQC, the member must have 1) a recurring Direct Deposit or one recurring ACH Credit or Debit, 2) enrolled and logged-in to online banking and 3) 12 MasterCard CheckCard purchases (PIN-or Signature-based) post and settle during the MQC. There is a limit of 1 account per social security number / individual taxpayer identification number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our financial service representatives for additional information, details, restrictions, rate calculations, processing limitations and enrollment instructions. Federally insured by NCUA

Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the “Monthly Qualification Cycle” (MQC) “Monthly Qualification Cycle” means a period beginning on the first day of the current month and ends on the last day of the month in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions and non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Statement Cycle” means the period for which the credit union provides a summary of the financial activities and transactions that post and settle to the member’s account. Reward Information: When your Kasasa® Cash Back Checking account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account: Kasasa® Cash Back 1) 3.00% cash back on up to a total of $200.00 (PIN or Signature-based) debit card purchases that post and settle to the account during the MQC. A maximum of $6.00 cash back may be earned per cycle period. 2) ATM Withdrawal Fee Reimbursements: You will receive reimbursements up to $15 ($4.99 per single transaction) for nationwide ATM withdrawal fees incurred during the MQC in which you met your Kasasa® Cash Back qualifications. Rewards are credited to the appropriate account on the first business day following the last day of each Statement Cycle. When your Kasasa® Cash Back account qualifications are not met the Cash Back rewards will not be credited and the ATM withdrawal fees will not be refunded. Rewards may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment and receipt of electronic statements is a condition of the GENCO Kasasa® Cash Back Checking account. However, you may choose to receive a paper statement, as well, for a fee of $2.00 per month. Rewards may vary by account. There is a $50.00 minimum deposit required to open the checking account. To qualify for rewards each MQC the member must have 1) a recurring Direct Deposit or one recurring ACH Credit or Debit, 2) enrolled and logged-in to online banking and 3) 12 MasterCard CheckCard purchases (PIN or Signature-based) post and settle during the MQC. There is a limit of 1 account per social security number / individual taxpayer identification number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our financial service representatives for additional information, details, restrictions, rate calculations, processing limitations and enrollment instructions. Federally insured by NCUA

Information: To open GENCO’s Free Checking Account you must deposit or have on deposit the par value of full share in your savings account. Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. There is a $50.00 minimum deposit required to open the checking account. There are no recurring monthly service charges or fees to open or close this account. GENCO’s MasterCard CheckCard, Online Bill Pay, Home and Mobile Banking products and services are available to you at no charge. Debit card transactions may take one (1) or more “Business Days” from the date the transaction occurred to post and settle to your account. “Business Day means a calendar day other than a Saturday, Sunday, or Federal Holiday as defined by the Federal Reserve Bank Holiday Schedule. GENCO will provide a statement to you that that summarizes your financial activities and transactions that post and settle during the “Statement Cycle.” “Statement Cycle” means the 1st day of the month through the last day of the month. You may log into online/mobile banking to review your account activity. Properly reconciling your statement to your check register each month is strongly recommended. Keeping your personal information (email, cell phone numbers, address) updated is essential to helping GENCO stay in contact with you in a timely manner. Contact one of our financial service representatives for additional information, details, restrictions and processing limitations. Federally insured by NCUA

Optional Add-On Service: GENCO Federal Credit Union offers Kasasa Protect, an optional Identity Fraud Protection and Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to your Kasasa Cash®, Cash Back®, Free, First Class, Senior or Student Checking Accounts. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services (‘opt-in”), (b) charges a separate monthly fee and (c) can be cancelled at any time. Kasasa Protect: Identity Fraud Protection and Restoration Services: “Kasasa Protect: Identity Fraud Protection and Restoration Services” collectively includes the following comprehensive services (collectively “Services”): (1) Credit Services: (a) Reports: an annual credit report from Experian; (b) Scores: a monthly credit score from Experian; and (c) Plotter: a visual twelve (12) month history of the consumer’s monthly credit scores from Experian. (2) Monitoring Services: (a) Public Records: Monitors name, address & Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms & black market web sites for personally identifiable information including SSN’s, phone numbers, email addresses, bank account and routing numbers, credit and debit cards, and medical identification numbers, (c) Credit Bureau: monitors for and will provide an email if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer’s Experian credit file; Credit monitoring occurs only on the credit file associated with the purchasing consumer, and does not monitor, compare or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus. 3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services: Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft. Terms & Conditions: Kasasa Protect services are provided by CSID a part of Experian Information Solutions, Inc. (“Experian”). There are two (2) Kasasa Protect terms and conditions, one governing the program’s Services and the other governing the program’s online portal, which you must agree to: (1) Services: Terms and conditions can be retrieved at any GENCO Federal Credit Union branch location (2) Portal: Terms and conditions can be retrieved online by using the following link: https://secure.kasasaprotect.com. (“Portal”). Fees: Kasasa Protect services are provided for a monthly fee of $9.99, or $7.99 if you are a Kasasa accountholder. Kasasa Protect is available to a secondary accountholder listed on a joint account for an additional monthly fee of $6.99, or 4.99 for Kasasa accountholders. Fees will automatically be debited from your account on the third (3rd) of each month. Fees begin on the third (3rd) of the month following your enrollment date and will end one (1) day after GENCO has processed your cancellation request. Changes and Modifications: Kasasa Protect Services, fees and providers are variable and may change, with proper notification from GENCO Federal Credit Union or Kasasa, Ltd. Changes in terms, conditions, services, fees and/or providers, if any will be posted on the Kasasa Protect site located at https://secure.kasasaprotect.com. We encourage you to refer to this site on a regular basis for Services information. Requirements: To utilize Kasasa Protect you must: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, and (3) register and maintain your unique email address (joint accountholders must each provide unique email addresses for this service) via the Kasasa Protect online portal. Enrollment: To receive Kasasa Protect Services, you must (1) agree to the Kasasa Protect Services’ Terms and Conditions and (2) establish the Services monthly billing, and (3) provide an accurate email address. Upon completing these three activities you will be enrolled in the program. (“Enrollment”). The date upon which these activities are completed will be your enrollment date (“Enrollment Date”). Verification: Within one (1) business day after Enrollment, Kasasa Protect will provide you with an email that includes a link to https://secure.kasasaprotect.com and your subscriber number. After entering your subscriber number you must verify your personal information. You agree to provide accurate, current and complete information about yourself. You agree to not misrepresent your identity. You also agree to maintain and update this information, including your email address on a regular basis to ensure its accuracy. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated. (“Verification”). Portal Alerts and Notifications: Upon verifying your personal information and agreeing to the terms and conditions associated with the Kasasa Protect Portal, you will be able to receive alerts and notifications through the Portal. Email notifications will be sent to the email address you maintain at https://secure.kasasaprotect.com You understand, acknowledge, and agree that in order to receive the full complement of Services, including receiving Services, Alerts and Notifications via the Kasasa Protect Portal, you must first verify your identity and register and maintain your email address at https://secure.kasasaprotect.com. Availability of Services: All items under these three comprehensive services are available to you as identified below. (1) Credit Services: After verification, you will be able to view all items listed under Credit Services, including credit information and alert details via the Portal. (2) Monitoring Services: All items listed under Monitoring Services will begin upon Enrollment. Viewing of Monitoring Services Alerts is available upon Verification. (3) Restoration Services: All items under Resolution Services are available upon Enrollment. Cancellation: You may cancel your Services at any time by notifying GENCO of your decision to cancel. You may call GENCO at 254-776-9550 to request cancellation. Written notice to cancel is required and should be sent to GENCO Federal Credit Union P. O. Box 7246 Waco, Texas 76714-7246. Cancellations may take one or more business days to process. When cancelling, your then current month’s fee will not be reimbursed or prorated. The Services’ monthly fee will not be charged the following month after a cancellation request has been processed by GENCO. Closure of Checking Account: Should your checking account be closed by you or GENCO, any add-on products/services associated with that account, including Kasasa Protect, will be also be terminated at the same time. Your then current month’s account and/or Kasasa Protect fees will not be reimbursed or prorated. The monthly fee(s) will not be charged for the month following termination. Legal Notices: (1) Federal Notice. Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. (2) GENCO Notice. GENCO shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services’ including any liability for damages, direct or indirect, consequential or incidental. Kasasa Cash, Kasasa Cash Back and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. CSID and Experian are registered trademarks of Experian Information Solutions, Inc.