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1 Sign & Save.qxp_Layout 1 7/11/16 8:40 AM Page 1 SAVE money when you spend money with When will I see my bump-up transfers a Sign & Save account at Interra Credit Receive a bonus match of Bump-up transfers are made at the end Union. of the day the transaction clears, generally 25% within a day or two of making the purchase. How does it work? on all purchases during the first 30 days after you open When will I get the “matches” made by Interra? 1. Use your Interra debit card to your Sign & Save account. make a signature-based purchase Interra deposits the bump-up matches whenever you shop. on a quarterly basis, meaning you’ll see Get started today. these deposits every three (3) months in 2. Interra will round up the purchase Fill out and submit the March, June, September and December. amount to the next whole dollar attached application, or go to and deposit the difference into your How will the transactions appear on my statement? Sign & Save account from your Purchases will appear as the exact checking account. amount of the transaction, as expected. 3. Every quarter, Interra will match and Each day a purchase clears, the bump- What is a signature-based transaction? deposit 5% of the total bump up ups will be totaled and automatically Most transactions that don’t require a PIN amounts during that period into your transferred from your checking account as number are considered signature-based Sign & Save account. one amount to your Sign & Save savings transactions, whether you sign or not. account. Also, whenever you are asked “credit or debit,” choose “credit.” For complete account information, please refer to the “Truth-in-Savings Disclosure – Sign & Save share savings account.” Sign & Save—save more and earn more Interra bumps-up the The total amount Make a signature-based difference and transfers withdrawn from your purchase with your the change to your Sign checking account Interra debit card & Save savings account $.51 $23.49 $24.00 PO Box 727 • Goshen, IN 46527 574.534.2506 $7.00 $.78 $6.22 $52.00 $.13 $51.87

2 Sign & Save.qxp_Layout 1 7/11/16 8:40 AM Page 2 Truth-in-Savings Disclosure Sign& Save share savings account Sign & Save debit card savings program: 1. When you enroll in the Sign & Save debit card savings program, the amount of any signature based debit card purchase associated with your checking account(s) will be Sign & Save increased (bumped-up) to the next whole dollar amount. Interra Credit Union (Credit Union) will then transfer the amount in excess of the purchase amount from your check- ing account(s) to your Sign & Save share savings account. 2. The Credit Union will aggregate the bumped-up amounts from purchases that post to your checking account(s) each business day and make a single daily transfer (“Sign & Save transfer”) at the end of the business day. If, on a business day, you do not have WE PAY! You Sign – You Save – sufficient available funds in your checking account, or if any transaction has overdrawn your checking account, the Credit Union will not bump-up purchases posted on that business day and will cancel the Sign & Save transfer for that day. 3. If your debit card purchase is subsequently cancelled or reversed, such as a returned purchase, the corresponding daily transfer will remain in the Sign & Save share savings account. Credit transactions or adjustment transactions will not be bumped-up. 4. The Credit Union reserves the right to cancel or modify the Sign & Save debit card sav- ings program at any time. Sign Up Sign & Save debit card match program: 1. The Credit Union will match 25% of the daily bumped-up transfers that post to the Sign & Save share savings account during the first 30 days after enrolling in the program. 2. Thereafter, the Credit Union will match 5% of the daily bumped-up transfers that post to TODAY! the Sign & Save debit card savings account. 3. To receive the Credit Union match, you must be enrolled in the Sign & Save debit card savings program at the time the match is posted. 4. The match amount will be credited to the Sign & Save share savings account at the Member name:_____________________________ end of each calendar quarter based on the accumulated bump-up transfers for that calendar quarter or the balance in the account at the end of the calendar quarter, whichever is less. 5. The annual cap on the Credit Union match amount is $250.00. Member number: ___________________________ 6. The annual amount of the Credit Union match will be reported to the IRS on Form 1099- INT. 7. The Credit Union reserves the right to cancel or modify the Sign & Save debit card match program at any time. Mailing address:____________________________ 8. If you close your Sign & Save share savings account before the Credit Union match amount is posted to the share, you will not receive the Credit Union match for that calendar quarter. City: _____________________________________ Other terms and conditions: 1. Changes in the terms and conditions of this account may be made at the discretion of the Credit Union. The Credit Union will give you advance notice of changes if required to do so under applicable law. State: ______________ Zip:_________________ 2. This Truth-in-Savings Disclosure supplements the other terms and conditions applica- You sign - You save - We pay ble to all accounts as set forth by the Credit Union and amended from time to time, which you have previously received and agreed to. 3. The Sign & Save share savings account may not be used for overdraft protection. Phone: ___________________________________ – The dividend rate and annual percentage yield may Rate information change every month. We may change the dividend rate for your account as E-mail address: ____________________________ determined by the Credit Union Board of Directors or such authorized officers. – Dividends will begin to accrue on the busi- Compounding and crediting ness day the bump-up transfer is posted or you deposit cash, checks and By signing below, the undersigned: other noncash items into your account. Dividends will be compounded and • Requests the described services and agrees to the terms credited to your account every quarter. and conditions governing the services, including any fees – For this account type, the dividend period is quarterly, for Dividend period and charges as set forth in the Credit Union’s fee schedule. example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other • Acknowledges receipt of agreements and/or disclosures dividend periods follow this same pattern of dates. The dividend declaration applicable to the account or services requested. date is the last day of the dividend period, and for the example above is March 31. • Understands that the terms of this additional account and/or – There are no minimum balance require- Minimum balance requirements service are governed by the terms and conditions applicable ments to open or maintain this share account. to the existing Membership Account Agreement, as amended Daily balance computation method – Dividends are calculated by the daily from time to time, including but not limited to account balance method which applies a daily periodic rate to the balance in the ownership. account each day. • Certifies that all information is accurate and complete. Transaction limitations – “During any statement period, you may not make more than six (6) convenient withdrawals or transfers to another credit union account of yours or to a third party. Convenient withdrawals or transfers include: Member/Account holder signature: preauthorized or automatic transfers (such as overdraft protection transfers or bill payments deducted directly from your savings account), telephonic transfers (tele- ________________________________________ phone, fax, online or mobile banking) and transfers by check, draft, debit card or similar order to a third party.” Date:____________________________________ 07/16 INT-3039

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