^Military Valor Program (MVP) Disclosure: To enroll in the Military Valor Program you must show a government issued military identification card as proof you are an active duty, retired, National Guard or Reserve member or a veteran of the military and have a WaterStone Bank (WSB) Universal checking account. Fees that are assessed to your checking account for withdrawing funds at an ATM with your WSB Debit Card will be refunded to your WSB checking account within the next business day. WSB HELOC (Home Equity Line-of-Credit) annual fee will be refunded to your WSB Checking Account within 30 business days of the fee being assessed to your HELOC. $500.00 will be credited to your WSB checking account within 30 business days of closing your 1st mortgage home loan with WSB and setting up autopay from your WSB checking account. You may only receive this benefit one time with WSB. Free patriotic MVP club checks will be provided by WSB and this benefit does not include reimbursement of other check designs you have previously purchased or plan to purchase. Voucher for a free U.S. Flag will be provided annually in June if at that time your average balance of deposit accounts you own is greater than or equal to $10,000.00 or you have a WSB HELOC or 1st mortgage home loan. WaterStone Bank (WSB) o¬ffers foreign currency exchange services of more than 50 currencies at four WSB locations: Franklin, Oak Creek/27th St., Wauwatosa/State St., 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 diff¬er 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. Employees of WaterStone Bank and its subsidiaries can choose to have an employee account and participate in an account program. They are eligible to receive program non-monetary benefits, however, are not eligible to receive program monetary bonuses. REV093022
^^Checking + Ultimate Money Market Offer Disclosure: Checking and Ultimate Money Market Offer Effective October 7, 2022. 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 MVP 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. $200.00 Automatic Deposit bonus offer requires a $500.00 minimum automatic deposit of payroll, pension, social security or government benefits 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. Money Market Account: You must deposit $5,000.00 to open this Money Market 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. A $100.00 money market bonus to be paid within 60 days of money market account opening with balance of $5,000.00 or more. Offer applies to new MVP money market account customers only and does not apply to individuals that currently have a money market or closed a WSB money market within the past 180 calendar days. 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 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. Offer subject to change at any time, see disclosure for details. REV100722
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