Everyday Business Cash Back

*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. The following must post and settle to the account during the Monthly Qualification Cycle in order to earn the rewards: Have at least one (1) direct deposit or ACH transaction, have at least ten (10) PIN-based or signature-based debit card purchases post and settle, and be enrolled in and agree to receive monthly e-statements. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non- retail payment transactions, and purchases made with debit or credit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current qualification cycle through one (1) business day prior to the close of the current qualification cycle. Monthly statement cycle is not the same as Monthly Qualification Cycle. The Monthly Statement Cycle will be rendered on the last business day of the month.

Reward Information: When your Everyday Business Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive (1) 4.00% Cash Back on up to a total of $1,000.00 PIN-based or signature-based debit card purchases that post and settle to the account during the Monthly Qualification Cycle. A maximum of $40.00 Cash Back may be earned per Monthly Qualification Cycle. (2) You will receive reimbursements up to an aggregate total of $20.00 (max $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you are qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. Cash Back payments and ATM reimbursements will be credited to your Everyday Business Cash Back Checking account on the 25th of each month of the current qualifying cycle.

Additional Information: Account approval, conditions, qualification, limits, time frames, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. To avoid the imposition of the $10.00 monthly service charge fee, you must maintain a $500.00 minimum daily balance. Enrollment in electronic banking, maintain a valid e-mail address on record with Millbury National Bank, and monthly receipt of electronic statements are conditions of this account. No limit on the number of accounts. There are no recurring monthly maintenance charges or fees to open or close this account. Account not to be used for consumer purposes. Contact one of our bank service representatives at 508-865-9521 for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

Additional Risk Associated with Use of Business Purpose Cards: Business debit cards are not intended for personal use. You will not have the benefit of any consumer law limiting liability with respect to the unauthorized use of your Card. This means your liability for the unauthorized use of your Card could be greater than the liability in a consumer debit card transaction. You accept and agree to undertake the additional risk and greater measure of liability associated with the use of business purpose cards as described in this Agreement. You are liable for Card transaction(s) you do not authorize.