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Max Cash Checking Disclaimer:

Qualification Information: Account transactions and activities may take one (1) or more business days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website www.hanoverbank.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

*Rewards Information: When your Max Cash account qualifications are met during a Monthly Qualification Cycle, (1) daily balances up to and including $25,000.00 in your Max Cash account earn an interest rate of 5.35% resulting in an Annual Percentage Yield (APY) of 5.50%; and daily balances over $25,000.00 earn an interest rate of 0.49% on the portion of the daily balance over $25,000.00, resulting in a range from 5.50% to 1.55% APY depending on the account’s daily balance. (2) you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Max Cash account during that Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt from you within sixty (60) calendar days of the withdrawal transaction.

When Max Cash qualifications are not met, the interest rate earned on the account’s entire daily balance will be 0.05% resulting in an APY of 0.05% and ATM withdrawal fees will not be refunded.

Interest will be credited to your Max Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs are accurate as of 02/16/2026. APY calculations are based on an assumed balance of $125,000.00 in your Max Cash account, an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards of less than one (1) cent cannot be distributed. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $100.00 minimum deposit is required to open the Max Cash account. Refer to our Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g., online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications. Limit of one (1) account per social security number. There are no recurring maintenance charges nor any fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our bank service representatives at 1-877-548-8880 for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.