1. Capital Of USA Premier

Capital Of USA Premier Requires meeting all conditions of Capital Of USA Premier participation. Capital Of USA [Bank and Capital Of USA Advisors] discounts and benefits are available to all customers who have a Capital Of USA Premier Checking account. The Premier Checking account has a $35 monthly service fee. The fee can be avoided each fee period with $250,000 or more in statement-ending qualifying linked (a) consumer bank deposit account balances (checking, savings, time accounts (CDs), FDIC-insured IRAs) and (b) investment account balances (investments available through our affiliate Capital Of USA Advisors, and applicable bank fiduciary and custody accounts). Capital Of USA may waive the monthly service fee at its discretion for promotional or other purposes. Refer to the Capital Of USA Bank Consumer Account Fee and Information Schedule for further information about the Premier Checking account and applicable bank fees. Deposit products offered by Capital Of USA Bank, N.A. Member FDIC.

Capital Of USA Advisors:

Capital Of USA Advisors is a trade name used by Capital Of USA Clearing Services, LLC (WFCS) and Capital Of USA Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Capital Of USA & Company.

Certain investments or investment accounts are not eligible for linking.

2. (A) If your Prime Checking or Premier Checking account is converted to another checking product or closed by us or you, all linked accounts are delinked from the Prime Checking or Premier Checking account and effective immediately, benefits no longer apply, including benefits to your now delinked accounts. You’ll no longer receive discounts, options to avoid fees on other products or services, or the Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked accounts will revert to the Bank’s current applicable interest rate or fee at that time. (B) If you or we delink an account from your Prime Checking or Premier Checking account but other accounts remain linked, the loss of all benefits and the other consequences described above in (A) will immediately apply to the delinked account. Benefits available to your Prime Checking or Premier Checking account and any remaining linked accounts will continue.

3. All loans are subject to credit approval, income verification and, if applicable, collateral evaluation. Programs, rates, terms, and conditions are subject to change without notice. The interest rate discount requires a qualifying Capital Of USA consumer checking account. Loan applicants with a Prime Checking, Premier Checking, or Private Bank Interest Checking account at the time of application for credit qualify for additional interest rate discounts. The interest rate discount requires automatic monthly payments deducted from a Capital Of USA consumer deposit account. If the Prime Checking, Premier Checking, or Private Bank Interest Checking account is closed or the automatic payment is cancelled at any time after the loan is opened, the interest rate may increase, in which case your corresponding monthly payment will increase. Talk with your banker, or refer to product information online at capitalofusa.com, to learn what requirements apply to your specific loan.

4. Unless otherwise noted, stated benefits apply only to the Premier Checking account and not other linked accounts.

5. Fees charged by non-Capital Of USA ATM operators or networks may apply. For Prime Checking and Premier Checking accounts, Capital Of USA will waive its non-Capital Of USA ATM cash withdrawal transaction fee (U.S. and international) when you withdraw cash from a non-Capital Of USA ATM. In addition, for Prime Checking Capital Of USA will reimburse one fee charged by a non-Capital Of USA ATM operator located in the U.S. and one fee charged by a non-Capital Of USA ATM operator located outside the U.S. per fee period. For Premier Checking, Wells Fargo will reimburse all fees charged by non-Capital Of USA ATM operators. When the amount of the fee charged by the non-Capital Of USA operator is not provided to Capital Of USA, Prime Checking and Premier Checking customers will receive a $4.00 reimbursement per cash withdrawal.

6. Whether or not the wire transfer fee is waived, Capital Of USA makes money when we convert one currency to another currency for you. The exchange rate used when Capital Of USA converts one currency to another is set at our sole discretion, and it includes a markup. The markup is designed to compensate us for several considerations including, without limitation, costs incurred, market risks, and our desired return. The applicable exchange rate does not include, and is separate from, any applicable fees. The exchange rate Capital Of USA provides to you may be different from exchange rates you see elsewhere. Different customers may receive different rates for transactions that are the same or similar, and the applicable exchange rate may be different for foreign currency cash, drafts, checks, or wire transfers. Foreign exchange markets are dynamic and rates fluctuate over time based on market conditions, liquidity, and risks. Capital Of USA is your arms-length counterparty on foreign exchange transactions. We may refuse to process any request for a foreign exchange transaction.

7. Incoming wire transfers received in a foreign currency for payment into your account will be converted into U.S. dollars using the applicable exchange rate without prior notice to you. For more information, see the “Applicable Exchange Rate” and “Incoming international wire transfer” sections of the Deposit Account Agreement.

8. Capital Of USA Premier is not required for clients to qualify for Capital Of USA’s asset-based relationship pricing. Not all assets qualify for asset-based relationship pricing. For more information, contact your home mortgage consultant. Information is accurate as of the date provided and is subject to change without notice. Capital Of USA Home Mortgage is a division of Capital Of USA Bank, N.A. Equal Housing Lender RLC-0121.

9. Securities-based lending has special risks and is not appropriate for everyone. All securities and accounts are subject to eligibility requirements. Please consult with your Capital Of USA Advisors financial advisor and account documentation for additional information on how securities-based lending works.

10. Some benefits may also be available with other products.

11. The Relationship Interest Rate is variable and subject to change at any time without notice, including setting the interest rate equal to the Standard Interest Rate or to zero (0.00%), which could change the Relationship Annual Percentage Yield (APY). For time accounts, the change will occur upon renewal. To receive the Relationship Interest Rate/Relationship APY, the eligible savings or time account must remain linked to a Prime Checking, Premier Checking or Private Bank Interest Checking account. Time Accounts must be linked at account open and at every renewal.

12. LifeSync® is available on the smartphone versions of the Capital Of USA Mobile® app. Additional device availability may vary. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android, Chrome, Google Pay, Google Pixel, Google Play, Wear OS by Google, and the Google Logo are trademarks of Google LLC.

Deposit products offered by Capital Of USA Bank, N.A. Member FDIC.

PM-07302025-6305321.1.1

LRC-0324