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* No purchase or payment necessary to enter or win. A purchase will not increase your chances of winning. Void where prohibited by law or regulation. Participants must be 18 years of age or older at the time of entry. FourLeaf Federal Credit Union: FourLeaf Student Checking Promotion 2025 (“Promotion”) is geographically open to legal U.S. residents (excluding residents of Puerto Rico, U.S. Virgin Islands, Guam and other United States territories). The Promotion begins on July 7, 2025 at 12:00 a.m. Eastern Time (“ET”) and ends on September 5, 2025 at 11:59 p.m. ET (“Entry Period”). Odds of winning a prize depend on the number of valid entries submitted during the Entry Period. Only one account owner from each account opened will be entered into the Promotion, regardless of method of entry. When opening applicable accounts, if the primary account owner (the student) is under the age of eighteen (18) at the time the account is opened, then the adult joint owner will be entered into the Promotion. If the primary account owner (the student) is eighteen (18) years of age or older, then the primary account owner (the student) will be entered into the Promotion and the adult joint owner will not be entered. Only accounts in good standing when the Entry Period closes will be entered into the Promotion. FourLeaf Federal Credit Union (FourLeaf”) will randomly select four (4) winners from the eligible entries submitted during the Entry Period on Friday, September 19, 2025, by 12:00 p.m. ET. The winners randomly selected will each be awarded a FourLeaf Official Check in the amount of $1,000.00 (the “Prize). The total approximate retail value of all Prizes is $4,000.00. For official Promotion rules and how to enter, visit https://www.fourleaffcu.com/summercheckingrules. Federal, state and local taxes and expenses relating to the acceptance and use of the prize are the sole responsibility of each winner. 1099 Tax forms may be provided to the winners at the end of the tax year, when forms are available.

† No purchase or payment necessary to enter or win. A purchase will not increase your chances of winning. Void where prohibited by law or regulation. Participants must be 18 years of age or older at the time of entry. FourLeaf Federal Credit Union: FourLeaf Student Savings Promotion 2025 (“Promotion”) is geographically open to legal U.S. residents (excluding residents of Puerto Rico, U.S. Virgin Islands, Guam and other United States territories). The Promotion begins on July 7, 2025 at 12:00 a.m. Eastern Time (“ET”) and ends on September 5, 2025 at 11:59 p.m. ET (“Entry Period”). Odds of winning a prize depend on the number of valid entries submitted during the Entry Period. Only one account owner from each account opened will be entered into the Promotion, regardless of method of entry. When opening applicable accounts, if the primary account owner (the student) is under the age of eighteen (18) at the time the account is opened, then the adult joint owner will be entered into the Promotion. If the primary account owner (the student) is eighteen (18) years of age or older, then the primary account owner (the student) will be entered into the Promotion and the adult joint owner will not be entered. Only accounts in good standing when the Entry Period closes will be entered into the Promotion. FourLeaf Federal Credit Union (FourLeaf”) will randomly select four (4) winners from the eligible entries submitted during the Entry Period on Friday, September 19, 2025, by 12:00 p.m. ET. The winners randomly selected will each be awarded a FourLeaf Official Check in the amount of $1,000.00 (the “Prize). The total approximate retail value of all Prizes is $4,000.00. For official Promotion rules and how to enter, visit https://www.fourleaffcu.com/summersavingsrules. Federal, state and local taxes and expenses relating to the acceptance and use of the prize are the sole responsibility of each winner. 1099 Tax forms may be provided to the winners at the end of the tax year, when forms are available.

[1] Free Checking Account. APY = Annual Percentage Yield. APY is accurate as of and is subject to change, including after account opening, without notice. APY will apply for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives a direct deposit into the Free Checking account, and (iii) makes 10 point-of-sale debit card transactions from the Free Checking account. Qualifying transactions must post to the Free Checking account by the last day of the month. If qualifying requirements are not met in any given month, then the Free Checking account will not earn dividends and 0.00% APY. There is no minimum balance requirements to earn APY and to open account.

[2] Surcharge-free ATMs through the Co-op ATM Network must show Co-op ATM logo. ATM transactions performed at ATMs outside of the Co-op ATM Network may be subject to the ATM owner’s fee. Please visit our ATM Locator for a list of surcharge-free ATMs.

[3] The Student Savings Custodial UTMA Account is governed by the New York Uniform Transfers to Minors Act (“NYUTMA”). This account can only be opened if the custodian or the minor is a resident of New York State and by opening such an account you agree that this account will be governed by NYUTMA. All funds deposited in the account irrevocably become the property of the minor, but are to be managed for the minor’s benefit by the custodian until the minor reaches the age of majority, at which time the custodian is responsible for distributing the funds to the minor. Only one custodian (who must be 21 or older) and one minor are allowed per account. The NYUTMA imposes certain fiduciary and record keeping obligations on an NYUTMA account custodian and requires that interest earnings are reported to the IRS under the minor’s Social Security number. FourLeaf Federal Credit Union has no duty to monitor or ensure that the acts of the custodian are for the use or benefit of the minor or comply with the NYUTMA, or are otherwise permissible exercises of the custodian’s powers under the NYUTMA. If you are not certain whether NYUTMA account is the right choice for you, we strongly urge you to first seek professional legal, tax, investment and/or estate planning advice. The offering of NYUTMA accounts should not be construed in any way as the providing of legal or tax advice by FourLeaf Federal Credit Union.

[4] Student Savings Accounts. APY = Annual Percentage Yield. APY is accurate as of xx/xx/xxxx and subject to change, including after account opening, without notice. The Student Savings account is a variable rate tiered account. Balances $0.00 to $1,000.00 earn 5.00% APY and 4.91% dividend rate. Balances $1,000.01 to $10,000.00 earn 5.00% - 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings accounts. The dividend rate is paid on the portion of the daily balance within each balance tier. The required minimum balance to open account is $5.00.

[5] The NCUA share insurance coverage applies to each share owner, per insured credit union, for each ownership category. For more information on NCUA’s share insurance, please visit www.ncua.gov or call toll-free 1-800-755-1030, option 1.

[6] Certificate Accounts. APY = Annual Percentage Yield. APY is accurate as of and subject to change. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Fees may reduce earnings.

[7] 39-Month Bump Up Certificate – The bump-up certificate has a 39-month term and includes an option that allows you to increase or “bump-up” the dividend rate once during the term to the current dividend rate in effect for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect for a 36 month certificate with no “bump up” (increase) feature.

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