*Annual Percentage Rate. Subject to Credit Approval. Payment estimates on the first payment due date from the date of disbursement. Your final payment will vary depending on the date your loan is disbursed. Offer expires December 31, 2025. Limit one Holiday Loan per account. Loans are disbursed November 1 through November 30, will have the first payment due on December 20, 2025 and monthly thereafter. Loans disbursed December 1 through December 31, will have the first payment due on January 20, 2026 and monthly thereafter. Payments will automatically transfer each month from your Regular Savings Account unless otherwise specified.

NOTE AND PLEDGE OF SAVINGS

You promise to pay the credit union the amount selected above plus interest on the unpaid balance at the rate you have selected according to the schedule in the Truth-In-Lending Disclosure.

Notice to Co-Borrower: If you are signing this note as a co-borrower you agree to be equally responsible with the borrower, and the credit union may collect the entire amount due from you. The credit union does not have to notify you that this NOTE has been paid. The credit union may delay enforcing any of their rights under this note without losing them.

Prepayment: You can prepay all or any part of this loan at any time without penalty.

Late Charges: Fines for charges may be imposed for late payments on this loan up to the maximum shown in the Truth -In-Lending Disclosure.

Default: You are in default if you fail to make a payment by the scheduled due date.

Acceleration: If you are in default, any part of this loan then unpaid is due and payable without notice to you at the credit union’s option. You agree to pay all usual and customary costs of collection including reasonable attorney fees and all taxable court costs permitted by law.

No Waiver: The credit union can delay enforcing any of its rights any number of times without losing its rights.

Completing Note You authorize the credit union to complete this NOTE in any necessary respect if it is executed while incomplete.

Pledge of Savings As security for all amounts owing under this Note, you pledge all shares and/or deposits (including earnings and additions) you now, or in the future, have in this credit union, but only up to the total of such amounts. This pledge does not apply to shares and/or deposits in an Individual Retirement Account (IRA).

If payments on this loan are up to date, the borrower(s) can withdraw shares and/or deposits in excess of $5. Your signature is your signature on the Note and Pledge of Savings. The borrower(s) acknowledge receipt of this form prior to signing. Subject to credit approval.