Classic Club

^Classic Club Program Disclosure: Classic Club Offer effective May 1, 2021. To be eligible for the WaterStone (WSB) Classic Club Program, you must be at least 50 years old and have a WSB Universal Checking account. Only one WaterStone Bank program can be tied to an account. No-fee Overdraft Protection benefit requires an additional WSB deposit account owned by the Classic Club member with funds sufficient to cover the overdraft items. A debit card is included with the program and will be offered at no cost. ScoreCard Reward promotions will be periodically offered for purchases made with a WSB Debit Card. Free corporate image checks will be provided by WSB. Benefit does not include reimbursement of other check designs you previously purchased or plan to purchase. WSB employees, agents of WSB and affiliates are not eligible. Program subject to change without notice. WaterStone Bank (WSB) offers foreign currency exchange services of more than 50 currencies at four WSB locations: Franklin/Hales Corners, Germantown/Menomonee Falls, Oak Creek/27th Street, Wauwatosa/State Street, and Waukesha. Fees will be waived for Classic Club, Student, MVP and HERO program customers up to two times annually. The currency exchange rate used at WSB may differ than the daily rate of exchange and are subject to daily fluctuations. A $20.00 fee is assessed for orders and return orders; fee is subject to change at any time. Currency orders placed and not picked up within 10 business days are subject to a return fee and any depreciation. Please see a WSB banker for more details, see disclosure for details.

^^Checking + Ultimate Money Market Offer Disclosure: Checking and Money Market Offer Effective May 1, 2021. Bonus offers require a new WaterStone Bank SSB (WSB) ^Universal Checking account to be open and active for the entire statement cycle in order to qualify for that statement cycle's bonus. The Universal Checking account requires $100.00 minimum balance to open the account. Offer(s) applies to new Classic Club checking account customers only and does not apply to individuals that closed a WSB checking account within the past 180 calendar days. Offer is redeemable at any branch location, cannot be combined with other offers, and is limited to one per household. Account must be open and active for 180 calendar days, or a $30.00 closing fee may be assessed at account closing. For tax reporting purposes, a 1099 form may be issued at yearend for recipients of bonuses. $100.00 Automatic Deposit bonus offer applies when opening a new Ultimate Money Market and a new companion checking account. The Ultimate Money Market account requires a $5,000.00 opening deposit and a companion checking account. Bonus amount to be received within 60 calendar days of account opening and will be credited to the new Ultimate Money Market account. $200.00 Automatic Deposit bonus offer requires a $500.00 minimum automatic deposit of payroll, pension, social security or government benefits. Bonus amount to be received within 60 calendar days of account opening and will be credited to the new checking account on the first statement cycle after the direct deposit is received. Rewards will be consolidated and credited to the new checking account on the last day of the statement cycle. Upon opening a WSB Universal Checking account and enrolling in ScoreCard® Rewards program, 1,000 ScoreCard® Rewards points will be credited to your ScoreCard® Rewards account within 30 calendar days of account opening. A statement cycle may be from the 17th (a calendar day) of a month to the 16th (a calendar day) of the next month. To determine your statement cycle please ask your Personal Banker at the time of account opening.

Universal Checking Account: The Annual Percentage Yield (APY) for each tier is based on daily balance method: 0.05% on balances $9,999.99 or less, 0.10% on balances $10,000.00 to $49,999.99, 0.15% on balances $50,000.00 to $99,999.99, 0.15% on balances equal to or greater than $100,000.00. The APY in each tier is accurate as of 03/06/2023 and will be paid on the entire balance in the account.

Consumer Ultimate Money Market Account: The Annual Percentage Yield (APY) for each tier is based on daily balance method: 0.40% on balances $24,999.99 or less, 1.15% on balances $25,000.00 to $49,999.99, 2.50% on balances $50,000.00 to $99,999.99, 2.75% on balances $100,000.00 to $249,999.99, and 3.00% on balances equal to or greater than $250,000.00. The APY in each tier is accurate as of 02/01/2023 and will be paid on the entire balance in the account. A minimum balance fee of $10.00 will be imposed monthly if the average daily balance for the statement cycle falls below $5,000.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. A statement cycle may be from the first day of a month to the last day of that same month. Fees may apply and could reduce earnings. Account must be open and active for 180 calendar days or a $30.00 closing fee will be assessed at account closing. Contact a bank representative for additional product information or options that may be available to you. Offer subject to change at any time. REV030723