PSB-FTSB-Merger-Booklet

DISCLOSURES

CERTIFICATES OF DEPOSIT (CDS)

Term

Early Withdrawal Penalty

• Interest bearing • FTSB offers the following CD terms: 91 days, 182 days, 12 months, 18 months, 24 months, 30 months, 36 months, and 48 months options. These CDs are automatically renewable. The minimum balance to open is $1,000. You must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed annual percentage yield. • In addition, FTSB offers a special CD. This CD is not automatically renewable. The minimum balance to open is $10,000. You must maintain a minimum balance of $10,000 in the account each day to obtain the disclosed annual percentage yield. The term is set by the bank. • Irrevocable Burial Trust funds are held in 24-month, automatically renewable CDs. The minimum balance to open is $0.01. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield. Subject to terms of trust agreement. • Veterans Honor checking account holders qualify for a rate increase of 0.15% on all CDs. • For current interest rates and annual percentage yields (APYs), contact a Customer Service Representative. • The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. • If you close your account before interest is credited, you will not receive the accrued interest. • A penalty may be imposed for withdrawals before maturity effective June 29, 2026. • If you withdraw any principal before the maturity date, a penalty as shown below will be imposed: CERTIFICATE OF DEPOSIT TERMS TIME

Less than 12 Month CDs 12 to 18 Month CDs 24 to 30 Month CDs 36 or more Month CDs

3 months’ interest 6 months’ interest 12 months’ interest 18 months’ interest

• In certain circumstances, such as death or incompetence of an owner or other exceptions, the early withdrawal penalty will be waived. • You may not make any deposits into your account before maturity. You may make withdrawals of principal from your account before maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw interest credited in the term before maturity of that term, subject to penalty. You can withdraw interest any time during the term of crediting after it is credited to your account. • Interest crediting frequency will be credited to your account either quarterly or semi-annually based on the term of your CD and will be disclosed on your certificate at account opening. • You may prevent renewal of an automatically renewable CD if you withdraw the funds in the account at maturity (or within the grace period of 10 days) or we receive written notice from you 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. The interest rate will be the same we offer on new time deposits on the maturity date which have the same term, minimum balance, and other features as the original time deposit. You will have ten calendar days after maturity to withdraw the funds without a penalty. • Non-renewable CDs will not automatically renew at maturity. If you do not renew the account, interest will not accrue after maturity. • IRA & Roth IRA CDs are available. Speak with our new account representatives for more information.

COMPOUNDING FREQUENCY Quarterly Semi-Annually Semi-Annually DEPOSIT TIERS $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $1,000 - $24,999.99 $25,000 and Over $0.01 and over For current interest rates and annual percentage yields (APYs), contact a Customer Service Representative. $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000 - $74,999.99 $75,000 and more Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly

PERIOD 91 Days 182 Days 7 Month Special 1 Year 18 Months 2 Years 30 Months

DEPOSIT ACCOUNT TIERS ADVANTAGE MONEY MARKET $0 - $9,999.99

SUPER SAVER $0.01 - $1,999.99 $2,000 and Up

3 Years 4 Years Burial Trust

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