SHARE CERTIFICATES

Certificates Disclosure: Membership is required. *APY=Annual Percentage Yield. Minimum deposit to earn the advertised APY is $1,000. Offer applies to new share certificates only and is subject to change without notice. APY is accurate as of 10/28/2024 and is subject to change without notice. Dividends will be compounded and credited to your account quarterly.Early withdrawal penalties apply. Fees may reduce earnings on the account. In the event of a withdrawal before your certificate term matures: certificates with terms from six months to one year are subject to a penalty equal to a loss of 90 days dividends; certificate terms greater than one year are subject to a penalty equal to a loss of 180 days dividends; dividends will be paid prior to imposing the penalty. Please refer to the Fee Schedule and All in One Disclosure for complete details. ¹If our certificate rates go up any time during the original term of your certificate, you may request a one-time rate bump (increase) for the remainder of the original term by notifying SkyOne. The one-time rate increase only applies to certificates with terms of two years or longer. 10-Month Flex Share Certificate APY=Annual Percentage Yield. Minimum balance required to open this account and earn the advertised APY is $1,000. APY is accurate as of 08/15/2025 and is subject to change without notice. This offer applies to NEW MONEY only. New money is defined as funds coming from outside of SkyOne. Only one (1) 10-Month Flex certificate per member is allowed. Penalty and fee-free daily withdrawal, starting on day 7 after the certificate is opened, of up to 50% of the start of daily balance as of 12:00am each day at any time during the share term. Withdrawals that bring the certificate below the $1,000 minimum balance prior to the maturity date will terminate the account, and fees will be assessed based on the withdrawal of anything over 50% of the daily balance. Early withdrawals may reduce earnings on the account and penalties may apply. Fees may also reduce the earnings. Please refer to the Fee Schedule and All in One disclosure for complete details. Additional deposits are permitted at any time prior to maturity. ACH transfers will be accepted for this account. Automatically Renewable Account: Your Flex Certificate will automatically renew on the maturity date unless you prevent renewal by withdrawing all the funds in the account at maturity or within the grace period of seven (7) calendar days after maturity. The renewal term for this promotional certificate will be the standard 11-month Liquid Certificate term. The dividend rate and annual percentage yield will be the same we offer on new certificates on the maturity date which have the same term, minimum balance (if any) and other features as the Liquid certificate account. If the balance of your certificate is below the required minimum balance in the account at the time of renewal, the certificate will be closed, and the funds placed in your Primary Savings Account. 11-Month Liquid Share Certificate: APY=Annual Percentage Yield. Minimum deposit to earn the advertised APY is $1,000. APY is accurate as of 10/28/2025 and is subject to change without notice. Only one Liquid Share Certificate per member can be open at a time. Penalty and fee-free daily withdrawal, starting on day 7 after the certificate is opened, of up to 50% of the start of daily balance as of 12:00 PT am each day at any time during the share term. Withdrawals exceeding 50% of the start of daily balance each day are subject to penalties. Early withdrawals may reduce earnings on the account and penalties may apply. Fees may also reduce earnings. Please refer to the Fee Schedule and All in One Disclosure for complete details. Additional deposits are permitted at any time prior to maturity. ACH transfers will be accepted for this account.

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