May 2021

P.O. Box 26458 Reporting Activity 04/27 - 05/03 Page 1 of 4

Kansas City, MO 64196-6458

Managing Your Accounts

Customer Care
(877) 712-2265
Center:
ROBERT RODRIGUEZ
6133 ORANGEWOOD DR Telebank: (877) 712-2265
CORPUS CHRISTI TX 78412-4727
Online: [Link]

P.O. Box 26458

Mailing:
Kansas City, MO 64196-6458

Get the ca
cash you need when you need it!
HOME EQUITY
E LINE OF CREDIT
6M
Month Introductory Rate

1.
1.99% APR*
4.74% APR*
4
Variable thereafter

** Subject to credit approval. 1.99% Introductory Annual Percentage Rate (APR) is available on Home Equity Lines of Credit with a Maximum LTV of 85% on loan amounts up to $200,000 and 80% on loan amounts up to $250,000. On loan amounts over $250,000
LTV is limited to 70% depending on the loan amount. Auto-payment required from Academy Bank. The introductory 1.99% APR applies for 6-months, after which the APR may vary monthly based on an index (Prime Rate as published in the Wall Street Journal)
minus a margin of 0.01%. As of 4/14/2021, the APR is 4.74%. Property and, if applicable, flood insurance must be in effect on the property securing the account. Third party fees and closing costs are paid on your behalf for new loans between $10,000 to $350,000.
The borrower is responsible for all transfer or recording taxes in NY, MD, LA, GA, MN, TN, VA, or FL. The APR will not exceed 18% or, except in the introductory 6-month period, go below 4.74% per year. Without auto-payment, the 6-month introductory APR is 3.50%,
THEN the monthly APR is variable and is based on an index (Wall Street Journal Prime) plus a margin of 1.50%, AND the $50 annual fee will be assessed. Owner-occupied and 2nd homes only. Not available on home purchase, non- traditional or manufactured

Summary of Accounts
Managing your accounts has never been easier. Below you will find a summary of your
deposit and loan accounts over the past 30 days all in one location. We also encourage
you to bank anytime, anywhere with Digital banking. Pay bills, transfer balances, review
transactions and more. For more information, go to
[Link]/digitalbanking.
Account Type Account Number Ending Balance
REGULAR SAVINGS XXXXXXXXXXXXXXX38 $25.00
Ending Balance $25.00

620ba231-4bd9-40b7-bdcc-f52e6caee102 20210503 Savings Account Statements

Please examine your statement immediately and report in writing any incorrect information. If no reply is received within 30 days after we send you
(if you receive paper statements) or make available to you (if you have enrolled in [Link] or otherwise elected to no longer receive paper
statements) the FIRST statement on which there is incorrect information the account will be considered correct. If the incorrect information is
regarding an electronic transfer the time limit is extended from 30 days to 60 days for you to report incorrect information in writing.

OVERDRAFT ALTERNATIVES
Overdrafts can be expensive and can best be avoided by keeping track of your account balance by entering all items in your check register, reconciling
your account statement to your check register regularly and managing your finances responsibly. We offer several services to assist you with managing
your account including online banking, alerts via email or text message when your balance falls below a level you set. Please visit your local banking
center or log on to Digital Banking and send us a secure message or chat with us to learn more about these services or to receive assistance with
enrolling. We also offer products that will help you avoid overdraft fees:
Overdraft Protection Transfers – Secondary Checking, Savings and Money Market accounts may be used to avoid overdraft fees for customer checking
accounts. Only one account may be linked to each checking account for this service. When checks or other debits present against your account in
amounts that would create an overdraft or returned items, the bank will transfer funds from your linked account in $100 increments sufficient to cover
the items (subject to funds availability in the linked account). Any account receiving overdraft protection transfers will only be charged one transfer fee
of $7.00 per day, regardless of the number of items causing the overdraft. If the balance in the linked account is not sufficient to cover the items, all
available funds will be transferred, but the $7.00 transfer fee will be reversed and you will instead be charged overdraft fees or returned item fees, as
applicable, for any remaining items that cannot be covered by the transfer. Linking a secondary checking account for overdraft protection transfers
could result in overdrafts or returned items in the secondary account. Sign up for this service at any Banking Center or log on to Digital Banking and send
us a secure message.
Ready Cash Reserve Line of Credit -The Bank offers a Ready Cash Reserve line of credit that is attached to any checking or Money Market account.
Based on credit qualification, lines are available for a minimum of $300 to a maximum of $3,000, with an APR of 15.9%. Interest is charged only for the
number of days outstanding. A minimum monthly payment equal to the greater of 5% of the outstanding balance or $25 will be auto-deducted from the
consumer’s checking account. Additional or larger payments may be made at any time through online banking or by contacting the Bank. Advances are
in $100 increments and are transferred automatically to cover a negative balance. An advance may be made manually through online banking or upon
request. Contact any Banking Center or log on to Digital Banking and send us a secure message for more information or to complete an application.

You may instruct us to never pay any item that would overdraw your account. Opting out of all overdrafts may still result in returned item fees being
assessed. To opt out of all overdrafts contact any Banking Center or email us at ODOptOut@[Link].

IN CASE OF ERRORS OR QUESSTIONS ABOUT YOUR ELECTRONIC TRANSFERS

If you believe a debit card transaction on your statement is an error, please notify us immediately. Call our Dispute call center at 883-995-2888. Or
Write us at P O Box 26458, Attn: Debit Card Operations, Kansas City, MO 64196. You will need to provide your name, debit card number, the date, and
the dollar amount of the transaction you are disputing, and the merchant named in the description. We must hear from you no later than 60 days after
we sent you (if you receive paper statements by mail) or make available to you on-line (if you have either enrolled in [Link] or otherwise elected
to no longer receive paper statements) the FIRST statement on which the error or problem appeared. We will investigate your complaint and will
correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that
you will have the use of the money during the time it takes us to complete our investigation. If you have questions about any other type of transaction,
ACH, check, deposit, please log on to Digital Banking and submit a secure email for the fastest service. You may write us at the address above. Please
provide all transaction details in your message.

YOUR READY CASH RESERVE LOAN ACCOUNT SUMMARY OF RIGHTS IS OUTLINED BELOW
This is a summary of your rights; a full statement of your rights and our responsibilities under the Federal Fair Credit Billing Act will be sent to you both
upon request and in response to a billing error notice. Your Ready Cash Reserve Loan Account is operated in conjunction with your Demand Deposit
Account. Any charges for your checking account will be made to the Demand Deposit Account and they will be the same charges as are made for
Demand Deposit Accounts not operated in conjunction with Loan Accounts. The following information thus applies to only to loans made lo you under
your Ready Cash Reserve Loan Account line of credit.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR READY CASH RESERVE LOAN

If you think your bill is wrong, or if you need more information about a transaction on your bill, write us (on a separate sheet of paper) at the address
shown on your bill as soon as possible. We must hear from you no later than 60 days after we sent you (if you receive paper statements by mail) or
make available to you on-line (if you have either enrolled in [Link] or otherwise elected to no longer receive paper statements) the FIRST bill on
which the error or problem appeared. You can phone us but doing so will not preserve your rights. In your letter, give us the following information: 1)
your name and account number, 2) The dollar amount of the suspected error, and 3) Describe the error. If you need more information, describe the item
you are unsure about. You do not have to pay any money in question while we are investigating, but you are still obligated to pay the parts of your bill
that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount in question.
We figure a portion of the FINANCE CHARGE on your Ready Cash Reserve Loan Account by applying the daily periodic rate(s) to the "Daily Balance" of
your account for the billing cycle. To get the "Average Daily Balance" we take the beginning balance of your account each day, add any new advances,
and subtract any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The minimum periodic payment required is shown
on the front of this bill. You may pay off your Ready Cash Reserve Loan balance at any time or make voluntary additional payments. Payments shall be
applied, first to any unpaid FINANCE CHARGES, and second to the principal loan balance outstanding in your Ready Cash Reserve Loan Account. Periodic
statements may be sent to you (if you receive paper statements by mail) or made available to you on-line (if you have either enrolled in [Link] or
otherwise elected to no longer receive paper statements) at the end of each billing cycle showing your Ready Cash Reserve Loan Account loan
transactions. Send payments and inquiries to address shown on the front of bill. NOTE: Payments received after close of business shall be deemed
received on the following business day for purposes of crediting your account.

620ba231-4bd9-40b7-bdcc-f52e6caee102 20210503 Savings Account Statements

 May 2021
Reporting Activity 04/27 - 05/03 Page 3 of 4

REGULAR SAVINGS- XXXXXXXXXXXXXXX38

Account Summary
Date Description
04/27/2021 Beginning Balance $0.00 Minimum Balance $0.00
Total debits this period $0.00 Average Balance $0.00
Total credits this period $25.00 Average Ledger Balance $0.00
05/03/2021 Ending Balance $25.00

Account Activity
Transaction Date Description Debits Credits Balance
04/27/2021 Beginning Balance $0.00
04/28/2021 Academy Bank - O TRANSFER $25.00 $25.00
05/03/2021 Ending Balance $25.00

Overdraft and Returned Item Fees

Total for this period Total year-to-date
Total Overdraft Fees $0.00 $0.00

Total Returned Item Fees $0.00 $0.00

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Reporting Activity 04/27 - 05/03 Page 4 of 4

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