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Important Information

Up to $550.00 Checking Bonus Offer
[1] Offer details: To be eligible for the FourLeaf Checking Up to $550 Bonus Offer and receive up to a maximum of $550.00 in bonuses, you must not have an existing FourLeaf checking account in which you are the primary account holder on the checking account and have not previously received a new checking account opening related bonus from FourLeaf Federal Credit Union (formerly known as Bethpage Federal Credit Union). To receive the initial $350.00 bonus (the “First Direct Deposit Bonus”), you must open a Free Checking, Smart Checking, or Student Checking account with FourLeaf between February 2, 2026 and December 31, 2026, which is subject to approval, and have a Qualifying Direct Deposit (as defined below) post to the checking account within ninety (90) calendar days of account opening date. The First Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days following the initial Qualifying Direct Deposit. To receive an additional $100.00 bonus (the “Second Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twelve (12) consecutive months following the month of the initial Qualifying Direct Deposit. The Second Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Second Direct Deposit Bonus. To receive an additional $100.00 bonus (the “Third Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twenty-four (24) consecutive months following the month of the initial Qualifying Direct Deposit. The Third Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Third Direct Deposit Bonus. If a Qualifying Direct Deposit does not post to the checking account in any subsequent months following the initial Qualifying Direct Deposit, the checking account will not be eligible to receive the Second Direct Deposit Bonus and Third Direct Deposit Bonus. The checking account must remain open and in good standing up to and including the date each bonus is deposited to receive the applicable bonus.

A Qualifying Direct Deposit is a recurring electronic deposit of a paycheck, pension, or government benefits (such as Social Security) from an employer, the government, or similar third party of $500.00 or more. Certain types of electronically deposited funds may not be considered a Qualifying Direct Deposit including ATM deposits, debit card transfers, online banking transfers or deposits, and person to person payments such as Zelle®. Bonuses are considered interest and will be reported on IRS Form 1099-INT. The primary account owner is responsible for any applicable taxes. You are only eligible for one (1) new checking account bonus offer. If you open multiple checking accounts, you will only be eligible to receive one (1) new checking account bonus offer. Offer may be modified or discontinued without notice.

The Free Checking Account earns a 0.40% Annual Percentage Yield (APY) for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives direct deposit into the Free Checking Account, and (iii) makes 10 point-of-sale debit card transactions from the Free Checking Account. Qualifying transactions must post to the Free Checking Account by the last day of the month. If qualifying requirements are not met in any given month, then the Free Checking Account will not earn dividends and 0.00% APY. There is a minimum balance of $5 to open this account online and $0 when opened in a branch. APY is accurate as of 10/17/2026 and is subject to change, including after account opening, without notice.

[2] Surcharge-free ATMs through the Co-op ATM Network must show Co-op ATM logo. ATM transactions performed at ATMs outside of the Co-op ATM Network may be subject to the ATM owner’s fee. Please visit our ATM Locator for a list of surcharge-free ATMs.

[3] The Student Savings Custodial UTMA Account is governed by the New York Uniform Transfers to Minors Act (“NYUTMA”). This account can only be opened if the custodian or the minor is a resident of New York State and by opening such an account you agree that this account will be governed by NYUTMA. All funds deposited in the account irrevocably become the property of the minor, but are to be managed for the minor’s benefit by the custodian until the minor reaches the age of majority, at which time the custodian is responsible for distributing the funds to the minor. Only one custodian (who must be 21 or older) and one minor are allowed per account. The NYUTMA imposes certain fiduciary and record keeping obligations on an NYUTMA account custodian and requires that interest earnings are reported to the IRS under the minor’s Social Security number. FourLeaf Federal Credit Union has no duty to monitor or ensure that the acts of the custodian are for the use or benefit of the minor or comply with the NYUTMA, or are otherwise permissible exercises of the custodian’s powers under the NYUTMA. If you are not certain whether NYUTMA account is the right choice for you, we strongly urge you to first seek professional legal, tax, investment and/or estate planning advice. The offering of NYUTMA accounts should not be construed in any way as the providing of legal or tax advice by FourLeaf Federal Credit Union.

[4] Student Savings Accounts. APY = Annual Percentage Yield. APY is accurate as of xx/xx/xxxx and subject to change, including after account opening, without notice. The Student Savings account is a variable rate tiered account. Balances $0.00 to $1,000.00 earn 5.00% APY and 4.91% dividend rate. Balances $1,000.01 to $10,000.00 earn 5.00% - 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings accounts. The dividend rate is paid on the portion of the daily balance within each balance tier. The required minimum balance to open account is $5.00.

[5] The NCUA share insurance coverage applies to each share owner, per insured credit union, for each ownership category. For more information on NCUA’s share insurance, please visit www.ncua.gov or call toll-free 1-800-755-1030, option 1.

[6] Certificate Accounts. APY = Annual Percentage Yield. APY is accurate as of and subject to change. APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to open account.

[7] FourLeaf’s early direct deposit is a service provided by Fourleaf where we may credit your eligible consumer deposit account (non IRA) up to two business days early for an eligible direct deposit. This service is not guaranteed and FourLeaf cannot guarantee you will receive early direct deposit at consistent intervals. Not all direct deposits are eligible and eligibility is determined at FourLeaf’s discretion as only certain recurring deposits may qualify. Qualifying direct deposits are certain ACH credit transactions such as payroll or similar transactions. FourLeaf does not guarantee that any direct deposit will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

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