Premium Checking Disclosure

REWARD CHECKING & PREMIUM SAVER ACCOUNTS

TRUTH IN SAVINGS ACT DISCLOSURE

This disclosure contains the terms, conditions and rules associated with opening and maintaining your Reward Checking, and Premium Saver accounts, as appropriate, as May 20, 2025. The information herein applies at account opening and if you (a) change your account or (b) if you add Premium Saver to your Reward Checking account, provided our rates and rewards have not changed since the date listed above. Please check our website or visit with one of our customer service representatives for updated rates and account information. Please keep this disclosure for your records and future reference.

OVERVIEW OF OUR REWARD ACCOUNTS:

Real Rewards: A free, variable rate reward checking account with no minimum balance requirements, that rewards accountholders with nationwide ATM withdrawal fee/surcharge refunds and cash back on their debit card purchases each time they meet their account’s minimum qualifications during a Monthly Qualification Cycle.

Premium Checking: A free, variable rate checking account with no minimum balance requirements, that rewards accountholders with nationwide ATM withdrawal fee/surcharge refunds and high interest each time they meet their account’s minimum qualifications during a Monthly Qualification Cycle.

Premium Saver: A free, variable rate, savings account with no minimum balance requirements, that rewards accountholders with interest each time they meet their linked Reward Checking account’s minimum qualifications during a Monthly Qualification Cycle. In addition, rewards earned in your linked Reward Checking account are automatically added to your Premium Saver account to help you save.

Collectively, Real Rewards and Premium Checking may be referred to, in singular or plural form, as “Reward Checking” account(s) within this disclosure.

PURPOSE AND EXPECTED USE OF ACCOUNT:

Account Expectations: Our institution expects the accountholder to use their selected Reward Checking account as their primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled. Commensurate with these spending activities, we expect the account's debit card to be used frequently throughout the entirety of each month and for transaction amounts to reflect a wide dollar range.

Examples of Inappropriate Use: Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. For example, five debit card transactions, each for a dollar, conducted at a convenience store, two days before the end of the cycle would not be considered by our institution as normal, day-to-day spending behavior. These types of transactions, and other activities that appear to be conducted with the sole purpose of qualifying for the account's rewards, will be deemed inappropriate transactions and may not count toward earning the account's rewards. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether.

Our Rights: Our institution has the right to close this account at any time, with proper notice. We also reserve the right to analyze your account activity to determine: (a) if the account is being maintained for a purpose other than day-to-day primary use; (b) if debit card activities are being executed solely for the purpose of earning the account's rewards and (c) if another account might better serve your banking needs and activities. We also reserve the right to convert the account to a different checking account, one that may or may not include a monthly fee, if the account does not have consistent active use (defined by our institution as having a minimum of 12 debit card transactions post and settled each cycle period) over 3 consecutive Statement Cycles.

Ramifications of Account Closure: Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted, and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A check from our institution for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Reward Checking account, any optional add-on products / services associated with this account will also be terminated at the same time.

If, for whatever reason, your Reward Checking account is closed, your Premium Saver account will automatically be converted to a standalone savings account and its associated terms and conditions will apply. If for whatever reason, your Premium Saver account is closed, then only the appropriate Reward Checking account information within this disclosure will apply.

QUALIFICATION INFORMATION:

To earn your account(s)’ rewards, the following enrollments must be in place and all transactions and activities must post and settle to your selected Reward Checking account during each Monthly Qualification Cycle:

ACCOUNT QUALIFICATIONS

Real Rewards

Premium Checking

Account Qualifications

At least one [x] direct deposit/ACH Credit or ACH Debit transaction:

At least [xx] debit card purchases:

Be enrolled into and have agreed to receive e-statements rather than paper statements:

Yes

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

REWARD INFORMATION:

Depending on what account(s) you open and maintain, when your chosen Reward Checking qualifications are met during a Monthly Qualification Cycle, you will receive the associated account rewards as shown below. For complete clarity, you will only receive the rewards associated with your selected account.

ACCOUNT REWARDS

Real Rewards

Premium Checking

Premium Saver

When Account Qualifications Are Met, Your Account Earns:

Cash Back Rewards:

[xx]% cash back refunds

5.00%

On debit card purchases up to a total of $[xxx] per cycle period:

$200.00

Maximum of $[xx.xx] in cash back payments to be earned per Monthly Qualification Cycle:

$10.00

Interest Rewards:

Balances up to and including $[xx,xxx] earn:

$15,000

$100,000

An interest rate:

4.8889%

1.9819%

Annual Percentage Yield:

5.00%*

2.00%

Balances above $[xx,xxx] earn:

$15,000

$100,000

An interest rate:

0.4989%

Annual Percentage Yield:

5.00% to 1.09%*

2.00% to 1.25%*

Nationwide ATM Withdrawal Fee/Surcharge Refunds:

Nationwide ATM withdrawal fees/surcharges, imposed by other financial institutions, are refunded up to an aggregate total of $[xx.xx] per Monthly Qualification Cycle incurred:

$15.00**

When Account Qualifications Are Not Met, Your Account Earns:

Cash back payments

Are not paid

Balances up to and including $[xx,xxx] earn:

Entire balance

An interest rate:

0.05%

Annual Percentage Yield:

0.05%*

ATM withdrawal fee/surcharge refunds:

Are not paid

*NOTE: Interest does not compound in the Premium Checking account when the account is linked to Premium Saver.

When linked to a Premium Saver account, the interest in Premium Checking does not compound because it is automatically transferred to the Premium Saver account within one day. Note: Automatic transfer may cause an overdraft to your Premium Checking account, if the account's balance is less than the transferred amount when transfer occurs.

**Incurred nationwide ATM withdrawal fees/surcharges, imposed by other financial institutions, are refunded based on estimates.

We reimburse ATM withdrawal fees/surcharges, imposed by other financial institutions, based on estimates when the withdrawal information we receive does not identify the specific ATM withdrawal fee/surcharge. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive a transaction receipt within sixty (60) calendar days of the withdrawal transaction.

Cash back payments, interest, and ATM withdrawal fee/surcharge refunds are credited to your individual or to your linked Premium Saver account, as appropriate, on the:

Last day of the current Statement Cycle.

Balance and Annual Percentage Yield Information:

BALANCE & APY INFORMATION

Premium Checking

Premium Saver

Balance Information:

Balance computation method:

Daily balance

Interest Information:

Interest is compounded:*

Daily*

The interest computation period we use is:

Statement cycle

Interest begins to accrue:

Business day

Assumed statement period for APY calculation:

31 days

Assumed account balance for APY calculation:

$115,000

$200,000

*NOTE: Interest does not compound in the Premium Checking account when the account is linked to Premium Saver.

NA = Not Applicable. APY = Annual Percentage Yield. Reward Checking and Premium Saver accounts are variable rate and variable reward accounts. The interest rate(s) and account rewards are determined at our discretion, and we may change the interest rates and rewards on your Reward Checking, and your Premium Saver accounts at any time, without any limitations, and without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. You will automatically qualify for your chosen account’s rewards during your account's first statement cycle. If your account(s) is closed before its rewards are credited, you will forfeit the account(s)’ rewards.

DEFINITIONS

"Banking Day" means any day on which an office of our institution is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.

“Business Days” means Monday through Friday excluding Federal holidays.

“Daily Balance Computation Method”: We use the daily balance method to calculate the interest in your Premium Checking and Premium Saver accounts when you meet your Premium Checking account's qualifications. This method applies a daily periodic rate to the principal in the associated account each day for the period. The period we use is the Statement Cycle.

“Monthly Qualification Cycle” means a period beginning one (1) day after the last day of the previous qualification cycle through one (1) Banking Day prior to the last Business Day of the current statement cycle. See below for specific Monthly Qualification Cycle dates.

“Statement Cycle" means the period of time for which our institution provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See below for specific Statement Cycle dates.

ADDITIONAL INFORMATION

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open any Reward Checking account. $100 minimum deposit is required to open a Premium Saver account. You may make an unlimited number of deposits in your account(s). See accompanying Rate and Fee Schedule rates, fees and charges that may apply to these accounts. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of your chosen Reward Checking account’s qualifications. Limit of one (1) Reward Checking account per social security number. Limit of one (1) Premium Saver account per social security number. There are no recurring monthly maintenance charges nor any fees to open or close this account. [This account is not to be used for commercial purposes.] A Reward Checking account is required to have a Premium Saver account. A linked Premium Saver account is required for automatic savings. Contact one of our institution’s customer service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. .Member FDIC.

CYCLE DATE INFORMATION:

The following dates apply for the purpose of earning your account(s)’ rewards. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your rewards, all of the transactions and activities identified within the above Qualification Information section of this disclosure must post and settle in your chosen Reward Checking account with these Monthly Qualification Cycle dates.

Monthly Qualification Cycle

Statement Cycle

Month

Year

Begin

End

Begin

End

January

2024

xx/xx/xx

February

2024

xx/xx/xx

March

2024

xx/xx/xx

April

2024

xx/xx/xx

May

2024

xx/xx/xx

June

2024

xx/xx/xx

July

2024

xx/xx/xx

August

2024

xx/xx/xx

September

2024

xx/xx/xx

October

2024

xx/xx/xx

November

2024

xx/xx/xx

December

2024

xx/xx/xx

January

2024

xx/xx/xx

February

2024

xx/xx/xx

March

2024

xx/xx/xx

April

2024

xx/xx/xx

May

2024

xx/xx/xx

June

2024

xx/xx/xx

July

2024

xx/xx/xx

August

2024

xx/xx/xx

September

2024

xx/xx/xx

October

2024

xx/xx/xx

November

2024

xx/xx/xx

December

2024

xx/xx/xx