Simple Checking

Disclosures

1 The following applies to all La Cap Checking accounts: Membership is required a Regular Savings Account with a $5.00 par balance. Checking account approval is based on the evaluation of creditworthiness. A fee of $8.00 monthly service charge for a low balance will be assessed if average daily balance requirements are not met. The $8.00 monthly service charge for a low balance is waived for members under 24 years old and have a Simple Checking account. A $2.00 monthly service charge will be assessed if paper statements are provided. The $2.00 monthly service charge for paper statements is waived for members who are under 17 years old or over 60 years old or any account enrolled to receive electronic statements (eStatements). Unless otherwise stated overdraft programs are available for additional fees please see the fee schedule for specific services and fees. Some restrictions apply. Please contact a La Cap representative for additional details.

2 La Cap Simple Checking is a non-dividend-bearing account. The minimum deposit to open is $50.00. To avoid the $8.00 monthly service charge for a low balance one of the following must occur: $1,000 daily balance; or ten (10) posted, non-ATM, debit card transactions; or a direct deposit of $500.00 or more during the statement period. The $2.00 monthly service charge for paper statements is waived when online consent to enroll in Electronic Statements (eStatements) is received. Effective Date: 01/01/26

3 No cost option is available when your daily balance does not fall below $1,000.00 during the statement period; OR you have 10 debit card transactions that are not ATM transactions, complete and post to your account by the end of the statement period, OR ACH credit(s) totaling $500.00 post to the account by the end of the statement period, and you affirmatively consent to receive your statements electronically. Each month these are not met your checking account will be charged an $8.00 low balance fee and a $2.00 checking paper statement fee. Low balance fee and monthly service fee waived for accounts owned by members age 24 and under. When an account holder reaches age 25, monthly service fee and low balance fee become applicable.

4 You may receive access to your ACH credits up to 2 days early. We post ACH credits the day we receive them and when we receive them depends on the timing of the payer’s payment instructions. Federal holidays may delay availability.

5 BaZing is available with Choice Checking and Simple Checking accounts. The fee is $5.99 per month. Cell phone and personal identity protection are services provided by a third party and are subject to additional terms and conditions. Separate activation for these benefits is required. To activate identity monitoring, please go to www.bazing.com, log in, select Protection under Categories, and follow the easy sign-up steps. BaZing Fuel is subject to terms and conditions; see the BaZing Benefits Guide for details.