PROVIDENT CASH BACK CHECKING¹

¹Provident Ca$h Back Checking^{SM 2}Cash Back rewards credited to your account will equal the total amount of eligible signature-based point-of-sale purchase transactions posted to and cleared through your Provident Ca$h Back Checking account each statement period multiplied by a factor of 1.50% (.0150). This Cash Back rewards factor is variable and may change at our discretion. To be eligible, qualifying point-of-sale signature-based transactions must be posted to and cleared through your Provident Ca$h Back Checking account as of the last business day of the statement period. Cash Back rewards will be redeemed, deposited and available on the first business day of the following statement period. Cash back will be paid provided that the Provident Ca$h Back Checking qualification requirements are met in the corresponding statement period. If you do not meet the qualification requirements for a statement period, your account will still function as a free checking account; however, it will not receive cash back or ATM fee refunds for that statement period. ³Message and data rates may apply. Please consult your mobile carrier for details. ⁴No minimum account balance required, however, you must deposit a minimum of $50 to open this account. Available to consumer/personal account holders only.