Make Every Day More Rewarding

Disclosures

1. Nickel Back Rewards paid on Radiant Visa Debit Card signature purchase transactions only. Excludes purchases using your PIN, ATM transactions, or purchases of other financial instruments (wire transfers, money orders, traveler’s checks) or for unauthorized or fraudulent transactions. No minimum purchase amount required. Earned nickels deposited once each day into account holder’s primary checking account. 2. Dime Back Rewards paid for every qualifying purchase made with Radiant Visa Credit Card. Qualifying purchases exclude balance transfers, cash advances (including purchase of items that can be traded immediately for cash, such as wire transfers, money orders, traveler’s checks), fees, interest charges, or for unauthorized or fraudulent transactions. No minimum purchase amount required. Earned dimes deposited once each day into account holder’s checking account. 3. The even-up amount will be withdrawn from your checking account and deposited into your Even-Up Savings. Dividend rate is 10.00%.10.00% Annual Percentage Yield (APY) is earned on balances of $0.01 to $5,000.00. The APY for any amount over $5,000.00 is 0.05% APY. Rates current as of September 1, 2026. Rates subject to change. Please see current rate schedule for current rates. Even-ups from debit card transactions are accumulated and transferred daily as a single transaction. There must be $25 minimum in the checking account after all transactions post during nightly processing for the even-up posting to occur.