Rewards Checking

• Earn 0.57% APY* on balances up to $25,000
• Earn 0.10% on the portion of balance over $25,000*
• ATM fees refunded Nationwide**
• No monthly service fee
• No minimum balance
• Free Debit Card
• $10 minimum deposit to open
• Free EZ $ave savings account
• FSBlink Online Banking with Free Bill Pay
• Free eStatements
• Overdraft Services available

*APY = Annual Percentage Yield. Interest Rate for balances over $25,000 is 0.10% with an APY ranging from 0.57% to 0.44% depending on the balance in the account and assuming a maximum deposit of $35,000.

**ATM fee refunds up to $20 per monthly qualification period.

Earning your Rewards could be about the easiest thing you'll do all month. Each qualification period just have:

• at least 12 FSB debit card purchases posted and
• at least one direct deposit or ACH automatic debit posted and
• eStatements and view them online

If you don't make the qualifications one month, no worries. Your account is still free and earns interest at 0.01% APY*. Best of all, you may qualify for the rewards the very next cycle.

2013 Statement Qualification Periods

* APY = Annual Percentage Yield

*Annual Percentage Yield (APY) is accurate as of 4/10/13. 0.57% APY Bonus Rate paid on balances up to $25,000. Interest Rate for balances over $25,000 is 0.10% with an APY ranging from 0.57% to 0.44% depending on the balance in the account and assuming a maximum deposit of $35,000. The interest rate and the APY may change after the account is opened. The minimum deposit to open the account is $10. There is no minimum balance to obtain the APY. To qualify for the 0.57% APY Bonus Rate, each qualification period you must: use your FSB Debit Card for 12 or more purchases; and, get FSB eStatements; and, have either a Direct Deposit or ACH Auto Debit. Fees could reduce earnings on the account. Available for personal accounts only. Qualifying transactions are measured for items posted to your account for the monthly period beginning on the last business day of the previous statement cycle through to the next to the last business day of the current statement cycle. If you qualify, we will refund ATM fees up to $20 per monthly qualification cycle.

If you do not qualify, you will not receive a refund of these fees and we will pay you a Base Rate of 0.01% APY on your balance.