With Flatwater Everyday Rewards, earning extra has never been easier. Make debit card purchases at participating stores and earn rewards that you can convert into cash back on your account. All at no additional cost without any enrollment.

How It Works

Disclaimers:

^{*BASIC CHECKING - NON-KASASA ACCOUNT
Flatwater Everyday Rewards (“Program”) is a rewards program that enables you to take advantage of
special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”) every time you use your Flatwater Bank debit card to purchase products and services - online or in-store - from any of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication (“Program Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.}

^{As a benefit to you, we will automatically enroll you in the Program. You do not have to register your debit card
or use a mobile app to earn Rewards. Rewards will be earned and accrue during each Earning Cycle. Earning
Cycles are defined as a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the last business day of the current statement cycle (“Earning Cycle”). Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Rewards are earned; (ii) validated by the Merchant; and (iii) are made available for distribution (“Redemption Period”). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.}

^{Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the
time of purchase. You will only receive a cash back equivalent on the purchase price, and it may exclude
any additional costs including tips, taxes, shipping, etc.}

^{Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards
if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a
limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the
next month. The number, type, value, and category of Offers is subject to change at any time.}

^{Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to
applicable laws, such Rewards are not your property, and you have no property rights or other legal interest
in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until
deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot
be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and
cannot be combined with Rewards of any other member or participant in the Program.}

^{We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion
including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any
time.} 

^{KASASA-POWERED CHECKING
Flatwater Everyday Rewards program (“Program”) is a rewards program that enables you to take advantage of
special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”) every time you use your Flatwater Bank debit card to purchase products and services - online or in-store - from any of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication (“Program Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.}

^{As a benefit to you, we will automatically enroll you in the Program. You do not have to register your debit card
or use a mobile app to earn Rewards. Rewards will be earned and accrue during each Earning Cycle. Earning
Cycles are defined as  a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the last business day of the current statement cycle (“Earning Cycle”). Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Reward are earned; (ii) validated by the Merchant; and (iii) and are made available for distribution (“Redemption Period”). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.}

^{Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the
time of purchase. You will only receive a cash back equivalent on the purchase price, and it may exclude
any additional costs including tips, taxes, shipping, etc.}

^{Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards
if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a
limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the
next month. The number, type, value, and category of Offers is subject to change at any time.}

^{Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to
applicable laws, such Rewards are not your property, and you have no property rights or other legal interest
in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until
deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot
be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and
cannot be combined with Rewards of any other member or participant in the Program.}

^{We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion
including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any
time.}

^{Terms & Conditions}

^{Kasasa Accounts:
Qualification Information:
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. “Monthly Qualification Cycle” means a period beginning one banking day prior to the first day of the current statement cycle through one banking day prior to the last business day of the current statement cycle. Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.} 

^{Reward Information:
Depending on what reward checking account you have, you will receive the following rewards when you meet
your account’s qualifications during a Monthly Qualification Cycle:
• Cash back on debit card purchases (all categories)
• Cash back on debit card purchases made at grocery stores and food delivery services identified at
https://www.kasasa.com/eats-partners
• Cash back on debit card purchases made with music, video, gaming, and other digital streaming services
identified at https://www.kasasa.com/play-partners
• [Interest][Dividends] on your [checking][share draft] account balances}