REWARDS CHECKING ACCOUNT

Disclosures

¹Perks Checking:  Benefits are not contingent on meeting specific qualifying activity.

The Perks Checking account offers up to an aggregate of $8.00 in reimbursements per statement cycle in foreign ATM fee charges. You will receive reimbursement up to an aggregate total of $8.00 for nationwide ATM withdrawal fees imposed by other financial institutions on your Perks Checking account per statement cycle. Generally, the refund will be credited to your account within two (2) business days after the fee has posted to your account.  ATM fees exceeding the monthly refund limit are the responsibility of the account holder. Please note: ATM fee reimbursements only apply to the Perks Checking account. Advantage Savings transaction fees are not reimbursed, nor refunded.  ATM reimbursements may be tax reportable; please consult your tax advisor. A $10.00 monthly account maintenance fee will be assessed on the Perks Checking account unless the following requirements are met: 1. Maintain an average monthly statement balance of $2,500 or more, and 2. Enroll this account in eStatements.

The average monthly statement balance is calculated by taking the ending balance of each day in the month, divided by the number of days in the month. This figure will be reflective on your monthly Periodic Statement. To enroll in eStatements, you must sign up for Online or Mobile Banking. If required activities listed above are not met, the $10.00 monthly account maintenance fee will be assessed on the 5th day of the following month, or the following available business day. The account maintenance fee will be automatically waived for the first two monthly periodic statement cycles from the date of account opening (e.g. account opening on May 4th will have the fee waived for the month of May and June).

Rate discount of 0.25% offered on Auto Loans and Standard HELOC’s. Borrower must have an automatic payment from the Perks Checking account applied to the Auto Loan in order to receive the discount. Borrower must be an owner on an Perks Checking account to receive discount on the HELOC.

²Relationship Rewards Checking: Benefits are not contingent on meeting specific qualifying activity.

The Relationship Rewards Checking account offers up to an aggregate of $12.00 in reimbursements per statement cycle in foreign ATM fee charges. You will receive reimbursement up to an aggregate total of $12.00 for nationwide ATM withdrawal fees imposed by other financial institutions on your Relationship Rewards Checking account per statement cycle. Generally, the refund will be credited to your account within two (2) business days after the fee has posted to your account.  ATM fees exceeding the monthly refund limit are the responsibility of the account holder. Please note: ATM fee reimbursements only apply to the Relationship Rewards Checking account. Advantage Savings transaction fees are not reimbursed, nor refunded.  ATM reimbursements may be tax reportable; please consult your tax advisor. A $35.00 monthly account maintenance fee will be assessed on the Relationship Rewards Checking account unless the following requirements are met: 1. Maintain an average monthly statement balance of $7,500 or more, and 2. Have an average monthly “Relationship Balance” of $150,000 or more, and 3. Enroll this account in eStatementsThe average monthly statement balance is calculated by taking the ending balance of each day in the month, divided by the number of days in the month. This figure will be reflective on your monthly Periodic Statement. To enroll in eStatements, you must sign up for Online or Mobile Banking. For the purposes of determining the average monthly “Relationship Balance”: Eligible consumer deposit balances include the average balances of deposit accounts you are listed on as the Primary or Joint owner; Eligible loan balances account for consumer credit only. Eligible loan balances include the outstanding balance of the loans held with us.

If required activities listed above are not met, the $35.00 monthly account maintenance fee will be assessed on the 5th day of the following month, or the following available business day. The account maintenance fee will be automatically waived for the first two monthly periodic statement cycles from the date of account opening (e.g. account opening on May 4th will have the fee waived for the month of May and June)

Fee Waivers: As long as you have an active Relationship Rewards Checking account, the following fee waivers will be offered: Free Money Orders and Cashier’s checks; No fee for incoming wires; Deluxe Check Orders have a 50% discount on all personal style checks (excluding 3 on a page and first order MUST be conducted by Country bank in order for the discount to take effect).

Rate discount of 0.375% offered on Auto Loans and Standard HELOC’s. Borrower must have an automatic payment from the Relationship Rewards Checking account applied to the Auto Loan in order to receive the discount. Borrower must be an owner on an Relationship Rewards Checking account to receive discount on the HELOC.

All CDs adhere to the follow criteria unless otherwise noted: Minimum balance to earn the Annual Percentage Yield (APY) is $500. No withdrawals permitted within the first six (6) days after the date of deposit. A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account. Must be a primary or joint owner on Relationship Rewards Checking Account. The APY for Relationship CD offers are effective as of 08/03/2026

³Advantage Savings Account:

The Advantage Savings account is available in conjunction with the Perks Checking account, or the Relationship Rewards Checking account. To qualify for this Relationship Bundle, the Perks Checking or Relationship Rewards Checking account must remain active. If the Perks Checking account or the Relationship Rewards Checking account is closed or converted, the Advantage Savings will no longer qualify for the premiere rate.

If an Advantage Savings account is opened in conjunction with the Perks Checking account, a preferred rate of 0.65% will be added to the Advantage Savings base rate of 0.10% resulting in an interest rate of 0.75% and an Annual Percentage Yield (APY) of 0.80%. If the Perks Checking account is closed for any reason, the rate on the Advantage Savings will be reduced back to its base rate of 0.10% effective the following business day, resulting in a 0.10% APY. Fees may reduce earnings.

If a Advantage Savings account is opened in conjunction with the Relationship Rewards Checking account, a preferred rate of 3.40% will be added to the Advantage Savings base rate of 0.10% resulting in an interest rate of 3.50% and an Annual Percentage Yield (APY) of 3.60%. If the Relationship Rewards Checking account is closed for any reason, the rate on the Advantage Savings will be reduced back to its base rate of 0.10% effective the following business day, resulting in a 0.10% APY. Fees may reduce earnings.