Rate information - At our discretion, we may change the interest rates for this account. Tier 1 - An interest rate of 0.049% will be paid only for that portion of your daily balance that is $5,000.01 or more. The annual percentage yield (APY) for this tier will range from 1.25% to 0.05%, depending on the balance in the account. Tier 2 - An interest rate of 1.242% will be paid on the entire portion of your daily balance that is less than $5,000.01. The annual percentage yield (APY) for this tier is 1.25%. The interest rates and annual percentage yields may change at any time.

Additional Rate Information - To receive the Rewards Rates disclosed above, you must perform all of the following each qualification cycle: 1) Have at least 15 debit card transactions post and settle; 2) Have at least one direct deposit or ACH auto debit post and settle to the rewards account NON-QUALIFYING RATE: If all qualifications are not met, the account will earn 0.05% APY for the entire balance in the account regardless of the balance in the account.

Compounding frequency - Interest will be compounded monthly.

Crediting frequency - Interest will be credited into this account monthly.

Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest.

Daily balance computation method - Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of interest on noncash deposits - Interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.

Minimum balance to open - The minimum balance required to open this account is $100.00.

Deposit limitations - You may make an unlimited number of deposits into your account.

Additional Terms - The following additional terms apply to this account:

ELECTRONIC STATEMENTS:
Rewards Cash has free online, electronic statements. If a paper statement is requested additional fees will be assessed per statement cycle accordingly. See current fee schedule for paper statement charge.

ATM FEE REIMBURSEMENT:
If you have met your qualifications for the monthly statement cycle, we will reimburse you for domestic ATM fees up to $4.99 per transaction for a maximum of $25.00 per monthly statement cycle. ATM Fee reimbursements will be credited to on the last day of your statement cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we received does not identify the ATM. If you believe that you have not been reimbursed the correct amount, please contact us. We will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. During any cycle that qualifications are not met, ATM fees are not refunded.

DEBIT CARD PROCESSING - POST/SETTLE:
Please note that transactions must post to and settle your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions and activities may take one or more banking days from the date the transaction was made to post to and settle an account. The following activities do not count toward earning account rewards: ATM processed transactions, transfers between accounts, card purchases processed by merchants and received by our bank 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.

MONTHLY QUALIFICATION STATEMENT CYCLE:
Statements are processed monthly. Statements end on the 2nd calendar day of each month. "Monthly qualification Cycle" is the same as your monthly statement cycle. Regulation DD- An overdraft on the account may occur via check, in person withdrawal or electronic means. PURPOSE AND EXPECTED USE OF ACCOUNT:
This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities. Commensurate with the spending activities, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. 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. These types of transaction appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. The State Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. 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. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive statement Cycles. We have the right to close the account at any time, with proper notice. Upon termination of your Rewards Cash account, any addition or optional add-on products/services associated with this account will also be terminated at the same time.

ADDITIONAL INFORMATION:
This account is not to be used for commercial purposes and there is a limit of one (1) account per household. ACH Transactions: Check conversions (check purchases in which the merchant converts the check into an ACH debit) are excluded as qualifying ACH debits account qualification. Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account's rewards. Rewards less than a penny cannot be distributed.

ACH Transactions:
Check conversions (check purchases in which the merchant converts the check into an ACH debit) are excluded as qualifying ACH debits account qualification. Rates and rewards are variable and at our discretion may change after account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or to receive the account's rewards. Rewards less than a penny cannot be distributed.