10-MONTH CD WELCOME BONUS

1Annual Percentage Yield (APY) current as of October 9, 2024. Offer may change or discontinue at any time. Certificate of Deposit promotional offer requires a new or existing Fidelity Bank Relationship or Performance checking account. Advertised fixed rate is available when a minimum of $10,000 of money not currently held at Fidelity Bank is deposited. Please note that if you are an IRA account holder, contribution limits may apply, but you may still be eligible for the promotion. Interest is paid upon maturity of account (10 months). Fees may reduce earnings. Earnings may be reported to the IRS for tax purposes. After the 10-month APY, the Certificate of Deposit renews into the bank’s standard 12-month term as stated in account opening disclosures. Rate may change with certificate of deposit renewal. A penalty may be imposed for withdrawals before maturity. Various rates available. For example, Reliance Checking account clients can open a three (3) month CD and earn 0.65% APY for deposits of $1,000.00 – $24,999.99, or a one hundred and twenty (120) month CD and earn 1.55% APY for deposits $500,000.00+. Rates effective as of 10/9/2024.

2Offer valid for new personal checking account clients only; offer is not valid for existing personal checking account holders. Earn up to $550.00 with a new Fidelity Bank personal checking account by taking the following actions: (1) Receive a $250.00 cash bonus by opening a new checking account with qualifying recurring direct deposits of at least $2,500.00 per month for three (3) consecutive months, making 45 point-of-sale debit card transactions in three (3) consecutive months, and signing up for online banking with EZ Statements. (2) Receive a $200.00 cash bonus by opening a new personal savings account simultaneously with a deposit of at least $10,000.00 not currently held with Fidelity Bank and maintain a daily balance of $10,000.00 or more during each of the initial three (3) months. (3) Earn a $50.00 cash bonus by opening both accounts online and (4) Earn $50.00 if you use your debit card an extra 15 times (totaling 60 transactions) over three (3) consecutive months. Direct deposit includes deposits made by an employer or federal and/or state government agency, retirement benefits administrator, and general payments made by corporations and other organizations. Accounts must be in good standing to obtain the bonus. Requirements must be satisfied within one hundred and twenty (120) days. Minimum deposit to open a checking account ranges from $25.00 to $1,000.00, minimum balance requirements and monthly service charges depend on which checking account is chosen. Eligible clients will receive bonuses deposited into a Fidelity Bank checking account on the first (1st) business day after one hundred and twenty (120) calendar days from account opening. Please consult your Fidelity Banker for specific product information and eligibility requirements. The annual percentage yield (APY) for Performance Checking and Platinum Checking is .030%, if balance requirement is met. APY is current as of October 9, 2024. Rates are variable and may change at any time. Minimum balance requirements and fees may reduce earnings.

3Offer is valid for new business clients opening a new business account. Existing business clients are eligible for the Merchant Services credit portion of this offer only. Earn up to $800.00 with a new Fidelity Bank business account by taking the following actions: (1) Receive a $500.00 cash bonus by opening a new primary operating non-interest business account and maintaining a daily balance of $10,000.00 or more during each of the initial three (3) months. (2) Receive up to a $300.00 credit for new or existing business clients adding Merchant Services. To receive the credit, the client must have or open a Fidelity Bank Business Checking Account and process credit card transactions for 45 days. The amount of credit provided to the client will be based on the dollar amount of credit card sales processed in the first 45 days of activation, as follows: $100.00 for credit card sales of $1,000.00 – $5,000.00 processed; $200.00 for credit card sales of $5,000.01 – $10,000.00 processed; or $300.00 for credit card sales of >$10,000.00 processed. The Merchant Services credit will be made to the business checking account within 30 days after the 45th day of processing. Eligible clients will receive the $500.00 bonus deposited into their Fidelity Bank checking account on the first (1st) business day after one hundred and twenty (120) calendar days from account opening. Requirements must be satisfied within one hundred and twenty (120) calendar days of account opening. Monthly service charges depend on which checking account is chosen. Please consult your Fidelity Banker for specific product information and eligibility requirements.

This section applies to all bonuses listed in this disclosure. The bonus will be reported on IRS Form 1099-MISC. The value of the bonus may constitute taxable income to you; please consult your tax advisor. Minimum deposit to open and minimum balance requirements for your account are provided at account opening. Clients may only receive one new account opening-related bonus per calendar year. This offer cannot be combined with any other offer. Certain products are not eligible for promotions; please speak to a Fidelity Banker for eligibility requirements. Fidelity Bank employees and their immediate family are not eligible. Offer valid as of 10-09-2024 and may be rescinded or changed at any time.