2022 Year in the Guard Commemorative Issue

WE PROUDLY SERVE MILITARY MEMBERS & THEIR FAMILIES

An International Financial Institution That Is Committed To Your Success

Forces Checking It’s our honor to serve those who protect our nation. Choose a new Forces Checking 1 account with early direct deposit 2 and enjoy our salute to you. You’ll receive a $.05 reward credit for each of your purchases made with your Contactless Visa ® Debit Card 3 and up to $12 in ATM fee reversals, every month 4 , plus more. Enroll in our debit card Round Up Savings Program designed to help you reach your savings goals 5 as your career progresses Visa ® Credit Cards Low rate cards without annual or foreign transaction fees. Our Titanium Rewards Visa Signature ® card was selected Best Low-Interest Rate Credit Card by CNBC Select in January 2022 6 . Send Money with Wise We make sending money abroad easy. Transfer money to over 80 countries at the real exchange rate with Wise in Digital Banking

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Insured by NCUA. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. *APR=Annual Percentage Rate. 1 A $10.00 monthly fee applies if you do not receive at least $500 in total direct deposits from a military source to the Forces Checking account within the month. 2 Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to one day earlier than the payer’s scheduled payment date. 3 Forces Checking account holders who use their Contactless Visa® Debit Card to make purchases are eligible to receive transaction credits equaling $0.05 per each debit card transaction greater than $5.00 (up to a maximum of $6.00 in total reward credits per month). Debit card rewards are credited to your Base Share Savings account at the end of each month. ATM transactions completed with your debit card are not eligible for these rewards. 4 We will refund you any ATM surcharge fees that are charged to you when using a non-Andrews or non- CO-OP ATM machine (i.e. ATM fees charged by the machine owner/operator), up to a maximum of $12.00 in total fee refunds per month. The ATM fee refunds will be posted to your Base Share Savings account at the end of the month. 5 The Round Up service is not available for business accounts or business debit cards. You must have a Base Share Savings account for automatic transfers when enrolled in our Debit Card Round Up Savings Program. ATM withdrawals made with your Contactless Debit Card are not included in the Round Up feature. If a debit card purchase is returned and credited, your Round Up amount remains in your Base Share Savings, it does not get returned to your checking balance. Credit transactions or adjustment transactions from your debit card are not included in the Round Up feature and will not be rounded up. If your available balance in your checking account at the time of the Round Up transfer is less than $10.00, no Round Up will be processed or transferred. If you do not have a checking balance sufficient to cover the amount of the Round Up in a given day, the Round Up will not be processed or transferred. Existing automated payment transfers (such as from your checking account to an Andrews loan) will take priority over Round Up transfers – if, after any payment transfers are completed, you have insufficient funds in your checking to complete the Round Up transfer, the Round Up will not be processed or transferred. You may unenroll in the Round Up service at any time, through our desktop or mobile Digital Banking platform. The credit union reserves the right to change or discontinue this service at our discretion; if we do change or discontinue this program, we will notify you as required by law. 6 Visit https://www.cnbc.com/select/best-credit-cards/ as of 1/31/2022 for more information on this selection. Our field of membership includes U.S. Active Duty or U.S. Retired Military personnel (or their spouses, dependents or dependent survivors) of Joint Base Andrews, Joint Base McGuire-Dix-Lakehurst, U.S. Department of Defense, and military installations in central Germany, Belgium, and The Netherlands; as well as over 200 employer groups throughout Maryland, Virginia and New Jersey. We also have stateside membership eligibility through the American Consumer Council and anyone who lives, works, attends school or worships in Washington, D.C.

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