CVB™ Rewards Checking Programs

CVB™ Basic Checking

Account Name	Perfect For	Features	Fees
CVB™ Basic Checking	Customers who use a debit card regularly and want a simple, low-cost checking option.	Low Fees 1st Check Order Free	$3.00 monthly fee, refunded with 12 debit card transactions and one ACH debit/credit or automatic loan payment $2.95 paper statement fee waived with E-Statements

CVB™ Rewards Checking

Account	Perfect For	Features	Activity/Fees
CVB™ Rewards Checking	Customers who want to earn uChoose Reward points through regular account activity.	Earn uChoose Reward points Monthly fee refunded with qualifying activity Up to $20 foreign ATM surcharge refunded when conditions are met	$7.00 monthly fee refunded with 12 debit card transactions and one ACH debit/credit or automatic loan payment $2.95 paper statement fee waived with E-Statements ATM refunded with 12 debit card transactions AND one ACH debit/credit or an automatic loan payment.

CVB™ Rewards Checking Points Earned

Activity	Reward Points	Per Cycle Cap
Automatic Loan Payment Draft for a CVB™ Loan	50	200
Per ACH Credit	5	100
Per ACH Debit	5	100
Open a New Checking Account	100	100
Open a New Savings Account	100	100
Open a New Loan	200	200
Open a New Certificate of Deposit	100	100
Mobile Deposit	10	100

CVB™ Interest Rewards Checking

Account	Perfect For	Features	Activity/Fees
CVB™ Interest Rewards Checking	Customers who want an interest-earning checking account with the ability to qualify for higher interest through regular activity. Frequent CVB™ Debit Card users will likely have other deposit accounts with us.	Fees refunded with qualifying activity Up to $20 foreign ATM surcharge refunds Earn up to 5.00% interest on the first $25,000 when qualified (See qualification table below)	$10.00 monthly service fee refunded when at least TWO of the following activities occur in the same qualification cycle: 15 debit card transactions $10,000 account balance $25,000 relationship balance $500 in ACH credits An automatic CVB™ loan payment $2.95 paper statement fee waived with E-Statements or age 60+ or Older ATM fees are refunded when, in the same qualification cycle, you have at least $500 in debit card transactions and one of the following: Two ACH debits or two ACH credits A $10,000 relationship balance An automatic CVB™ loan payment One mobile deposit

Account

Perfect For

Features

Activity/Fees

CVB™ Interest Rewards Checking

Customers who want an interest-earning checking account with the ability to qualify for higher interest through regular activity. Frequent CVB™ Debit Card users will likely have other deposit accounts with us.

Fees refunded with qualifying activity
Up to $20 foreign ATM surcharge refunds
Earn up to 5.00% interest on the first $25,000 when qualified

(See qualification table below)

$10.00 monthly service fee refunded when at least TWO of the following activities occur in the same qualification cycle:
- 15 debit card transactions
- $10,000 account balance
- $25,000 relationship balance
- $500 in ACH credits
- An automatic CVB™ loan payment
$2.95 paper statement fee waived with E-Statements or age 60+ or Older
ATM fees are refunded when, in the same qualification cycle, you have at least $500 in debit card transactions and one of the following:
- Two ACH debits or two ACH credits
- A $10,000 relationship balance
- An automatic CVB™ loan payment
- One mobile deposit

CVB™ Interest Rewards Checking Additional Qualifications

Rate Level	Balance	Rate/APY	Requirements
Unqualified	Any balance	0.15% APY	No requirements
Tier 1	$25,000 and under	4.00% / 4.07% APY	$500 debit card transactions + 2 additional criteria
Tier 2	$25,000 and under	5.00% / 5.12% APY	$500 debit card transactions + 3 additional criteria
Tier 3	Over $25,000	0.35% APY	Earned when Tier 1 or Tier 2 qualifications are met

Additional Qualification Criteria (choose from these)

Two ACH Debits
Two ACH Credits
Deposit Relationship Balance of $10,000 or higher
One Automatic Payment of a CVB™ loan
One Mobile deposit

All transactions must occur in the same qualification cycle. When qualifications are met, the higher rate applies retroactively to the beginning of the cycle.