Debit Reward$

*Monthly Qualification Cycle: period corresponds to the monthly statement cycle. The monthly statement cycle begins on the first day of a month and ends at 10:30 pm CST on the last day of the month. Account transactions may take one or more days to post and settle to the account. All transactions must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

Cash back payments and ATM fee reimbursement will be credited to your Debit Card Reward$ account on the last day of the current statement cycle.

Debit Reward$ Qualifications:

• At least 1 direct deposit or ACH payment transaction
• At least twelve (12) $5.00 minimum PIN-based, or signature-based debit card purchase, post and settle
• Be enrolled in and agree to receive e-Statements
• Be enrolled n and log into online banking

Reward information When your Debit Reward$ qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3% cash back on up to a total of $250.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $7.50 cash back may be earned per Monthly Qualification Cycle. You will also receive up to an aggregate total of $25.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified.

An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $4.99 or higher. Reimbursed ATM withdrawal fees based on estimates when the withdrawal information received does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within thirty (30) calendar days of qualification cycle.

Non-Qualifying Transactions: Certain transactions or activities do not count toward earning account rewards: debit transactions less than $5.00, ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature-based transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. 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.

When Debit Reward$ qualifications are not met, no cash back payments are made and ATM fees are not refunded.

Additional Information: Account approval, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, enrollment in online banking, receipt of electronic online statements are conditions of this account. Limit one account per household. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.

Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.