• FREE First 50 personalized checks
• FREE itemized monthly E-statement
• FREE Visa Debit Card
• FREE unlimited check writing
• Earn interest on balances up to $15,000. Above $15,000 the rate will drop to the base rate (when qualified)
• ATM refunds up to $15 (When qualified)

**See full details, qualifiers, terms, conditions, and disclaimer information below.

• FREE First 50 personalized checks
• FREE itemized monthly statement
• FREE Visa Debit Card
• FREE unlimited check writing
• Minimum of $50 to open account

• FREE First 50 personalized checks
• FREE itemized monthly statement
• FREE Visa Debit Card
• FREE unlimited check writing
• Imaged monthly Statement
• $8.00 Monthly Service Charge

• FREE First 50 personalized checks
• FREE itemized monthly statement
• FREE Visa Debit Card
• FREE unlimited check writing
• Monthly service charge:
• Average daily balance $1,000 and over=no charge
• Average daily balance under $1,000=$10.00/month

U-CASH – Sample Truth In Savings Disclosure

Account Overview:

U-CASH: A free variable reward checking account with no minimum balance that rewards accountholders with cash back on their PIN-based/ signature-based debit card purchases and nationwide ATM withdrawal fee refunds (up to $15) when they meet minimum qualifications during the account’s Monthly Qualification Cycle.

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 including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, 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 transactions 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.

Union 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 have the right to close this account at any time, with proper notice. 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 Union State Bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records.

Upon termination of your U-CASH account, any optional add-on products / services associated with this account will also be terminated at the same time.

Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your U-CASH account during each Monthly Qualification Cycle:

• At least 1 direct deposit, ACH credit, or ACH payment transaction
• 12 or more POS debit card transactions
• Be enrolled in and have agreed to receive e-statements rather than paper statements

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 bank as ATM transactions, PIN-based, signature-based 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 Cycle” means the current statement cycle.

“Statement Cycle” means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.

Reward Information:
When U-CASH qualifications are met during a Monthly Qualification Cycle, you will receive 5% cash back on up to a total of $200 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle.

You will receive reimbursements up to $15 for nationwide ATM withdrawal fees incurred within your U-CASH account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your U-CASH account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your U-CASH account on the last day of the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened 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. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $50 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit is a condition of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of 1 account per person. There are no recurring monthly maintenance charges or fees to open or close this account. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

U-EARN – Sample Truth In Savings Disclosure

 Account Overview:

U-EARN: A free variable rate checking account with no minimum balance that rewards accountholders
with interest and nationwide ATM withdrawal fee refunds up to $15 when they meet minimum
qualifications during the account’s Monthly Qualification Cycle.

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 including but not limited to grocery, gasoline,
apparel, shopping, dining, sporting, and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, 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
transactions 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.

Union 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 have the right to close this account at any time, with proper notice. 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 Union State Bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your U-EARN account, any optional add-on products/ services associated with this account will also be terminated at the same time.

Interest Rate & Annual Percentage Yield (APY)
• Compounding & Crediting:
Interest will be compounded on a daily basis. Interest will be credited to your U-EARN account on
the last day of the current statement cycle. If you close your account before the interest is
credited, you will not receive the accrued interest. Interest begin(s) to accrue on the business
day you deposit noncash items (for example, checks).
“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday
in January, the third Monday in February, the last Monday in May, July 4, the first Monday in
September, the second Monday in October, November 11, the fourth Thursday in November, or December
25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a
Business Day.

“Statement Cycle” means the period of time for which Union State Bank provides a summary of the
financial activities and transactions that post and settle to the accountholder’s account.

• Balance Computation Method:
We use the daily balance method to calculate the interest in your U-EARN account. This method
applies a periodic rate to the principal in the account each day for the period. The period we use
is the Statement Cycle.

• Interest Rate & Annual Percentage Yield:
When your account qualifications are met during a Monthly Qualification Cycle daily balances up to
and including $15,000 in your U-EARN account earn an interest rate of 2.96% resulting in an APY of
3.0 %; and daily balances over $15,000 earn an interest rate of 0.2998% on the portion of the daily
balance over $15,000, resulting in a range from 3.00% to 0.65% APY depending on the account’s daily
balance.
When qualifications are not met, ATM withdrawal fees are not refunded and the interest rate earned
on the entire daily balance in the account will be 0 .10% resulting in an APY of 0 .10%;

Qualification Information:

To earn your rewards, the following enrollments must be in place and all transactions and
activities must post and settle to your U-EARN account during each Monthly Qualification Cycle:

• At least 1 direct deposit, ACH credit, or ACH payment transaction
• At least 12 PIN-based/ signature-based debit card purchases
• Be enrolled in and have agreed to receive e-statements rather than paper statements

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 bank as
ATM transactions, PIN-based, signature-based 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 Cycle” means the current statement cycle.

“Statement Cycle” means the period of time for which our bank provides a summary of the financial
activities and transactions that post and settle to the accountholder’s account.

Reward Information:
When your U-EARN account qualifications are met during a Monthly Qualification Cycle, daily
balances up to and including $15,000 in your U-EARN account earn an interest rate of 2.96%
resulting in an APY of 3.0 %; and daily balances over $15,000 earn an interest rate of 0.2998% on
the portion of the daily balance over $15,000, resulting in a range from 3.00% to 0.65% APY
depending on the account’s daily balance.

You will receive up to $15 in reimbursements for nationwide ATM withdrawal fees incurred within
your U-EARN account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based
on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee.
If you have not received an

appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction
receipt within sixty (60) calendar days of the withdrawal transaction.

When your U-EARN qualifications are not met, the interest rate earned on the account’s entire daily
balance will be 0.10% resulting in a non-compounding annual percentage yield of 0 .10% and ATM
withdrawal fees are not refunded.

Interest will be credited to your U-EARN account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of
the current statement cycle.

APY = Annual Percentage Yield. APY calculations are based on an assumed balance of
$15,000 + $100,000 in your U-EARN account and an assumed statement cycle of thirty- one (31) days.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened 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 the account’s rewards during your account’s first statement cycle. If the account is closed
before rewards are credited, you will forfeit the rewards.

Additional Information:

Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other
requirements apply. A $50 minimum deposit is required to open the account. Monthly Direct
Deposit/ACH credit, is a condition of this account. Enrollment in electronic services (e.g. online
banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.
Limit of 1 account per person. There are no recurring monthly maintenance charges or fees to open
or close this account. If the account is closed, you will forfeit any rewards that have not been
credited to your account. Contact one of our bank service representatives for additional
information, details, restrictions, reward calculations, processing limitations, cycle dates and
enrollment instructions. Member FDIC.

U-SAVE- Sample Truth In Savings Disclosure

Contact one of our bank service representatives for additional information, details, restrictions,
reward calculations, processing limitations, cycle dates and enrollment
instructions. Member FDIC.

• Statements mailed quarterly
• Interest compounded daily and credited quarterly on daily balance
• No interest is paid if account falls below $50 and a maintenance fee of $5 will be charged
• First 6 withdraws or transfers are free

• Statements mailed monthly
• Interest compounded daily and credited monthly on daily balance
• Minimum initial deposit is $1,000
• If daily balance falls below $1,000, a $10 monthly maintenance fee will be charged
• Checks and phone transfers are limited to 6 per statement cycle

A helpful tool for saving for holiday expenses!

Deposits are unlimited throughout the year and there will be an annual close out withdraw before the holidays.

Interest is compounded daily and credited quarterly on the daily balance

• Minimum deposit required
• Various terms available
• Early withdrawal penalties apply