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TERMS AND CONDITIONS

Flat Branch Bank Checking $150 Offer

Offer Information: Open a new Elevated or Business Flat Branch Bank Checking account in a branch from 11/12/2026 through 12/31/2026 and earn $150 after you complete the following qualifying activities for three consecutive months of the account opening (the day after your account is opened is considered day one). All required transactions for qualifying activities must post to the enrolled account within the 90-day qualification period.

•  Receive at least one qualifying direct deposits*
• Complete at least 8 qualifying debit card purchases**
• Maintain a daily average collected balance of $250
• Enroll in Online Banking
• Enroll in e-Statements

*A qualifying direct deposit is an electronic credit (greater than $5.00) deposited into your new checking account via ACH. Person-to-person payments (such as Zelle®), Real Time Payments (RTP), pre-authorized transfers made from one account to another, or deposits made via a branch, ATM, online transfer, mobile device, debit/prepaid card number or the mail are not eligible direct deposits. **Qualifying debit card purchases include any purchase made with a Flat Branch Bank debit card and posted to the new checking account within 90 days of account opening. ATM withdrawals using your debit card are not qualifying transactions. Bank fees are not included.

Offer Eligibility: Clients that are the primary account holder on an existing personal checking account with Flat Branch Bank or who have closed a personal checking account with Flat Branch Bank on or after 11/12/2026 are not eligible to participate. Offer valid for Elevated Checking accounts and Business Checking accounts only. The new checking account cannot be changed to an account type not included in this client offer. Primary account holder must be 18 or older at the time of account opening. Offer is available only to U.S. residents with a valid U.S. taxpayer identification number.

Reward Processing: The reward will be deposited to the new checking account within 10 business days after 03/31/2027. The Promotion is only applicable once per checking account and per client. Flat Branch Bank may report the value of any offer reward received to the IRS as required by law. Any applicable taxes are the responsibility of the recipient. Reward forfeiture will occur if at the time of attempted payout the new checking account: (1) has a $0.00 or negative current balance or (2) is restricted or closed. An account is considered restricted if it has a temporary or permanent block that prevents credits from posting to the account.

Other Terms: The minimum opening deposit for the Elevated Checking Account is $100. The minimum opening deposit for Business Checking is $100. The offer is non-transferable, may not be combined with any other checking offers, is subject to change, and may be discontinued at any time. Flat Branch Bank reserves the right, in its sole discretion:

1) to prohibit a reward payout for any offers claimed through third-party websites with no affiliation or prior authorization from Flat Branch Bank; and 2) to disqualify any account if Flat Branch Bank suspects accounts are being opened for the purpose of exploiting this promotional offer. All standard account terms and conditions apply.

All Accounts subject to approval. Flat Branch Bank may change or discontinue this promotional offer at any time prior to the expiration date without notice

Account Opening & Enrollment Instructions: All qualifying accounts will be auto-enrolled at account opening.

Updated as of 11/12/2026.