Deposit Account Rates + Fees Tiaa

7/29/2019 Deposit Account Rates + Fees Tiaa

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On February 9, 2013, TIAA-CREF Trust Company, FSB is making the following changes that will apply to you and all of your deposi

accounts. Please read this change-in-terms notification carefully and retain it with your other important account information.

Here is a summary of the changes that will become effective as of February 9, 2013:

Limits on Electronic Fund Transfers

The following are being reduced:

- The amount that can be withdrawn from your accounts with us via ACH on a single business day

- The amount you can withdraw in cash at an ATM

- The signature-based transaction limit for your debit card

Additionally, a PIN-based transaction limit for your debit card is being established.

Your Ability to Withdraw Funds

The cutoff time for your deposits is changing.

The delay for certain deposits you make into any account you maintain with us is increasing.

Complete information concerning these changes is detailed below.

I. LIMITATIONS ON ELECTRONIC FUND TRANSFERS

The followingreplaces the Limitations on Electronic Fund Transfers information in the Electronic Fund Transfers Your Right

and Responsibilitiessection of the Deposit Agreement.

Limitations on Electronic Fund Transfers The following limitations apply to electronic fund transfers.

You may not instruct us to process more than $5,000 in ACH withdrawal transactions from any or all of your accounts with us

in one business day.

You may not use an ATM or debit card to make cash withdrawals from an ATM totaling more than $500 per calendar day.

You may not use your debit card to make signature based transactions totaling more than $2,500 in any one calendar day.

You may not use your debit card to make PIN based transactions totaling more than $2,500 in any one calendar day.

You may not use our bill pay service to arrange for a single electronic fund transfer in excess of $10,000 or for total

electronic fund transfers in any one day in excess of $10,000. You may not use the expedited payment feature of our

bill pay service, if it is made available to you, to arrange for a single electronic fund transfer in excess of $2,500 or for

total electronic fund transfers in any one day in excess of $5,000. Depending on your account status, we may allow youto arrange for transactions that exceed these limits, but doing so once does not obligate us to allow future transactions

that exceed these limits.

For High Yield Savings Accounts and Money Market Accounts, you may make up to six (6) transfers or withdrawals by means

of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or

similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer

includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule

or (iii) upon oral or written orders including orders received through the automated clearing house (ACH). If the transfer or

withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made

directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone

are also unlimited if you are requesting that a check be mailed to you. If you exceed these limits, we may close your account

or convert it to a checking account.

II. YOUR ABILITY TO WITHDRAW FUNDSThe followingreplaces the section of the Deposit Agreement entitled Your Ability to Withdraw Funds.

YOUR ABILITY TO WITHDRAW FUNDS

Our policy is to delay the availability of deposits you make into any account you maintain with us. The length of this delay

is counted in business days from the day the deposit is credited to your account. For determining the availability of your

deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. Our cutoff time for deposits you make

by wire transfer is 4:00 P.M., Eastern Time. Our cutoff time for all other deposits is 5:00 P.M., Eastern Time. If you make a

deposit before the applicable cutoff time described above on a business day, we will consider that day to be the day of your

deposit. However, if you make a deposit after the applicable cutoff time described above or on a non-business day, we will

consider that the deposit was made on the next business day. Once the funds are available, you can withdraw them in cash

and we will use the funds to pay checks that you have written and other withdrawal requests that you make.

(Continued on ba

IMPORTANT NOTICE FROM TIAA-CREFTRUST COMPANY, FSB REGARDING YOURTIAA DIRECT DEPOSIT ACCOUNTS

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Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still

responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

The Following Rules Apply To High Yield Savings Accounts, Money Market Accounts, and Certificates Of Deposit:

Funds from electronic deposits made by the payer (for example, direct deposits of payroll or other payments like government

benefits) and funds deposited by wire transfer will be made available on the day they are credited to your account.

Funds from the deposit of a check that is drawn on TIAA-CREF Trust Company, FSB (On-Us Checks) will be made available

on the first business day following the day the deposit is credited to a High Yield Savings Account, Money Market Account,

or Certificate of Deposit. We may, at our sole discretion, choose to treat certain other deposited checks as On-Us Checks

even though they are not drawn on TIAA-CREF Trust Company, FSB. Choosing to do so once does not obligate us to treat

subsequently deposited checks in the same manner.

Funds from all other deposits will be made available on the fifth business day following the day the deposit is credited to a

High Yield Savings Account, Money Market Account, or Certificate of Deposit.

The Following Rules Apply To Interest Checking Accounts:

Our policy is to make funds from most check deposits available to you on the second business day after the day we credit

your deposit, with the first $200 available on the first business day after the day of your deposit. Certain check deposits, as

described below, will be made available before the second business day. Funds from electronic deposits initiated by the

payer (for example, direct deposits of payroll or other payments like government benefits) and funds deposited by wire

transfer will be available on the day they are credited to your Interest Checking account. Deposited funds from electronicfund transfers or automated clearing house transactions that we initiate on your behalf will be available on the second

business day following the day we credit the deposit to your Interest Checking Account.

Next Day Availability

Funds from the following check deposits are available on the first business day after the day of your deposit:

U.S. Treasury checks that are payable to you.

Checks that are drawn on TIAA-CREF Trust Company, FSB (On-Us Checks). We may, at our sole discretion, choose to

treat certain other deposited checks as On-Us Checks even though they are not drawn on TIAA-CREF Trust Company,

FSB. Choosing to do so once does not obligate us to treat subsequently deposited checks in the same manner.

Other Check Deposits Subject to Second Day Availability

The first $200 from a deposit of checks not described above will be available on the first business day after the day of your

deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if youdeposit a check of $700 on a Tuesday, $200 of the deposit is available on Wednesday and the remaining $500 is available

on Thursday.

If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal

immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another

account with us. The funds in the other account would then not be available for withdrawal until the time periods that are

described elsewhere in this disclosure for the type of check that you deposited.

Longer Delays May Apply

Funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid.

You deposit checks totaling more than $5,000 on any one day.

You redeposit a check that has been returned unpaid.

You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be

available. They will generally be available no later than the seventh business day after the day of your deposit.

TIAA Direct is a division of TIAA-CREF Trust Company, FSB

2013 TIAA-CREF Trust Company, FSB. Member FDIC.DLN26100 (Eff 01/13)


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Interest Checking Accountminimum opening deposit requirement: $25

If Your Balance Is Rate AnnualPercentageYield (APY)

$0 - $1,499.99 0.05% 0.05%

$1,500 - $9,999.99 0.10% 0.10%

$10,000 - $24,999.99 0.10% 0.10%

$25,000+ 0.15% 0.15%

High Yield Savings Accountminimum opening deposit requirement: $25


$0 - $9,999.99 0.99% 1.00%

$10,000 - $24,999.99 0.99% 1.00%

$25,000 - $49,999.99 0.99% 1.00%

$50,000+ 0.99% 1.00%

Money Market Accountminimum opening deposit requirement: $25


Less than $10,000 0.99% 1.00%

$10,000 - $24,999.99 0.99% 1.00%

$25,000 - $49,999.99 0.99% 1.00%

$50,000+ 0.99% 1.00%

Certificates of Deposit

minimum opening deposit requirement: $1,000


6 Months 0.84% 0.85%

1 Year 0.99% 1.00%

2 Years 1.14% 1.15%

Disclosure of Current RateEffective as of: 01/11/2013

You mayvisitwww.tiaadirect.orgto view our latest Disclosureof Current Rates, or callus tollfree at855842- 2372 to hear themostcurrent rates.

TIAA Direct is a division of TIAA Trust Company, FSB. 2013 TIAA-CREF Trust Company, FSB. Member FDIC.

1The rate assigned will be the rate in effect at the end of the day that your initial deposit iscredited. Rates may change after account opening. Interest is compounded daily, based on

the rate in effect at the end of the day. Checking and savings account fees could reduceearnings on account.2The CD term you select (for example, 6 months) will begin on the day your initialdepositiscredited tothe account. The interest rate assigned will be the rate in effect at the end of the day that your initialdepositis credited. The interest rate will be fixed for the term of the CD. Interest is compounded dailyand credited to your account monthly. There may be a penalty for early withdrawal of any part of the

depositedamount.

Please see the Deposit Agreement for additional account information.

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Type of Fee Fee AmountAccount Research / Document Copying $20 per hour (minimum 1 hour)

ATM WithdrawalsTo avoid ATM charges, you can use your debit and/or ATM card at over23,000 ATMs in the Moneypassand Sum / Intercept networks.

Bill Pay Service

Standard bill payments initiated online or via mobile devices are withoutcharge, Expedited payment (per item, if available): $5 charge for anelectronic payment, or $25 for an overnight check. Stop payments(payments made by check) $25 per request.

Check CopyYou may print out copies of checks from your online account at no additionalcharge. $5 each if we mail it to you.

Check OrdersNo charge for first set of bank stock checks. Charges for additional checksand custom check orders are based on type of check you select.

Domestic Collection Item Incoming and Outgoing $20

Domestic Wire Funds Transfer $20 Outgoing (from your account); $10 Incoming (to your account)

Dormant Account Fee$2 per month. Starts after 12 months of no deposits or withdrawals onInterest Checking and Money Market, or after 24 months of no deposits orwithdrawals on High Yield Savings.

Excessive Transaction Charge High YieldSavings and Money Market Accounts

Pre-authorized or automatic transfers from a High Yield Savings or MoneyMarket to another account or third party are limited to a total of six (6)withdrawal transactions per statement cycle. $5.00 for each additionaltransaction that exceeds this limit. ATM withdrawals and deposits do notcount toward this limit. See the Deposit Agreement for additional information

Express Mail / Rush Delivery $25

Foreign Transaction ChargeCash Withdrawal from ATM: $2 + 2% of withdrawal amount.MasterCard Debit Card foreign purchases: 2% of charged amount.

Legal Process Fee $100

Monthly Service Charge None

Non-sufficient Funds (NSF) $25 per item, not to exceed $75 for the day.

Official Check $5

Overdraft Fee $25 per item, not to exceed $75 for the day.

Overdraft Protection (ODP) Transfer No fee. Transfers made in multiples of $100.

Paper Statements $5 per statement when you request a specific statement to be mailed.

Replace an ATM or MasterCard Debit Card No fee for normal delivery. $25 fee for rush delivery.

Returned Deposit Items - charge for checks orother items deposited, returned to us unpaid

$10 for each item returned to a Checking, Savings, or Money Marketaccount; not to exceed $50 for the day.

Stop Payment $25 per request

Fee Schedule

The fees described above are subject to change at any time without prior notice, except as may be required by

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Deposit Account Rates + Fees Tiaa