ELIGIBILITY REQUIREMENTS. To be eligible for Cash Back Saver you must have an active Cash Back checking account. Cash Back Saver accounts cannot be linked to multiple Cash Back checking accounts for the purpose of eligibility. Your Cash Back Saver savings account will be converted to our Noble Premium Savings product if you do not maintain an eligible Cash Back checking product as previously described.

RATE INFORMATION. The interest rate listed in a tier will be paid for only that portion of your daily balance range that is equal to or greater than the low balance amount but less than the high balance amount within that tier.

Tier Daily Balance Range Interest Rate

Depending on the

balance in your account

the Annual Percentage

Yield (APY) will:

1 Equal to or greater than $0.01 but less than $15,000.01 0.500% equal 0.50%
2 Equal to or greater than $15,000.01 0.250%

range from 0.50% to 0.25%

Your interest rate and annual percentage yield may change.

Determination of Rate. At our discretion, we may change the interest rate on your account.

If you do not meet the eligibility requirements during the qualification cycle, the rate paid in your account on the entire balance will be 0.100%

with an annual percentage yield of 0.10%.

Frequency of Rate Changes. We may change the interest rate on your account at any time.

Limitations on Rate Changes. There are no maximum or minimum interest rate limits for this account.

Additional  Rate Information. To qualify for Cash Back Saver rates, the linked Cash Back checking account must qualify with the following: Have 12 debit card transactions that post and settle within monthly qualification cycle and have at least one direct deposit or automatic payment (ACH) post and settle.

COMPOUNDING AND CREDITING. Interest will be compounded monthly and will be credited to the account monthly. If you close your account before interest is credited, you will not receive the accrued interest.

MINIMUM  BALANCE REQUIREMENTS. You must deposit $0.00 to open this account.

DORMANT/INACTIVE ACCOUNT INFORMATION. A dormant account fee of $10.00 per month will be charged after 12 months of inactivity.

PROCESSING ORDER. All credit transactions are processed first. Debits, or withdrawals, from your account will be processed as follows: electronic items such as ATM and Preauthorized transactions then checks. The items are processed in the order received within each category. The processing order of these items is important because if there is not enough money in the account to pay for the items in the order they are processed in accordance with the processing order, there may be an overdraft on your account which may result in overdraft or non-sufficient funds fees or an increase in the amount of these fees. Checks received at the same time will be processed in serial number order.

BALANCE COMPUTATION METHOD.  We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.

ACCRUAL ON NONCASH DEPOSITS.  Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).

TRANSACTION LIMITATIONS. You may make 6 withdrawal(s) from your account every statement cycle. We reserve the right to require written notice of an intended withdrawal no less than seven (7) days before a withdrawal is made.

ADDITIONAL INFORMATION REGARDING YOUR ACCOUNT. Cash Back reward and/or ATM refunds will be transferred to the Cash

Back Saver savings account on the first business day of the statement cycle following the cycle in which they were rewarded or incurred.

FEES AND CHARGES.  The following fees and charges may be assessed against your account: You will be assessed a $3.00 Excessive Activity Fee per debit item in excess of three (3) per month.

A statement fee of $3.00 will be charged each statement cycle for a paper statement. To avoid this charge you can enroll in e-Statements via eBanking.

CURRENT  RATE INFORMATION. The rate(s) and annual percentage yield(s) disclosed above were offered within the most recent seven calendar days, and were accurate as of 01/11/2018. To obtain the current rate(s) and annual percentage yield information, please call (256)741-1800.