*Additional terms and conditions for FIB Perks Plus

-Eligibility. With the BaZing Fuel Program, you can earn a discounted fuel price at participating Shell gas stations, just by using your debit card for everyday purchases. To be eligible for the BaZing Fuel Program (“BaZing Fuel” or “Program”), you must have a valid checking account at a participating financial institution (“financial institution”). Also, you must download the BaZing mobile app, which is available from the App Store or Google Play. Program Administrator. BaZing Fuel is administered by StrategyCorps, LLC (“StrategyCorps”, “Program Administrator”, “we”). StrategyCorps operates the website BaZing.com and the BaZing mobile app. Earning BaZing Fuel. BaZing Fuel’s reward currency is a discounted fuel price at participating Shell gas stations. When you download the BaZing Fuel mobile app, link a valid checking account from a participating financial institution, and successfully activate BaZing Fuel, you will be given a one-time activation reward of $0.10/gallon discount in fuel up to 20 gallons. Thereafter, to earn monthly rewards with BaZing Fuel of $0.10/gallon up to 20 gallons, at least 15 transactions with the linked checking account’s debit card must post and settle during a Monthly Qualification Cycle. A Monthly Qualification Cycle (MQC) is defined as the first day of the month through the last day of the month. Transactions may take 1 or more banking days from the date of the transaction to post and settle to your checking account, which may affect the actual MQC to which the transactions post and settle. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit transactions, or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. Rewards are earned when the required transaction count is met. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC. You must tap Update Rewards Balance in the BaZing mobile app to verify if the monthly reward has been earned. Rewards may be applied and eligible for redemption by the first day of the month following the MQC. Rewards for BaZing Fuel will expire 2 years from the end of the month in which they were posted. We reserve the right to adjust your reward balance if you have been awarded rewards in error or if system or other error prevents the awarding of rewards. If you believe your BaZing Fuel account has been the subject of any suspicious activity, please contact the Program Administrator immediately using the “Contact Us” feature of the BaZing.com website or in the BaZing mobile app. You will not earn any rewards if the linked checking account has been closed, whether closed by you or your financial institution. Once the account is closed, rewards may be forfeited. Your financial institution will determine what constitutes a closed checking account. Redeeming BaZing Fuel. As part of activating BaZing Fuel, you will be assigned an identification number (“ALT ID”). You will redeem your BaZing Fuel rewards by entering your ALT ID at the fuel pump at participating Shell gas stations. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle. BaZing Fuel must be redeemed in a single transaction. Once you begin to dispense fuel, you must dispense to the 20-gallon limit or you forfeit any remaining discounted gallons of fuel. For example, if you only pump 15 gallons of fuel, when the gallon limit is 20 gallons, you would abandon the remaining 5 gallons’ worth of reward balance. For purchases of $75 or more, you may be required to go inside the Shell gas station to pay. Unbranded diesel and alternative fuels may not be eligible. Excentus Corporation operates the BaZing Fuel program at Shell gas stations. Redeeming BaZing Fuel rewards may not available in all states, depending on applicable state law. Other restrictions may apply at certain Shell gas stations. Dispute Procedures. If you have any questions or a dispute about calculating your BaZing Fuel rewards currency or redeeming your BaZing Fuel rewards currency, you may contact us using the “Contact Us” feature of the BaZing.com website or through the BaZing mobile app. Privacy Policy. StrategyCorps does not have access to, or store, your checking account information or your checking account transaction data. We use Plaid, Inc. to gather data from your financial institution. You will review and accept the Plaid Privacy Policy before linking your checking account. Changes in Terms and Conditions. We reserve the right to update or make changes to these Terms and Conditions from time to time in our sole discretion, which changes we may provide to you by any reasonable means, including by posting a revised version of the Terms and Conditions on BaZing.com and on the BaZing mobile app. Your access to, and use of, the BaZing mobile app will constitute your acceptance of those changes. Notwithstanding the foregoing, any changes to these Terms and Conditions shall not apply to any dispute between you and StrategyCorps arising prior to the date on which StrategyCorps posted the revised version of these Terms and Conditions or otherwise notified you of the changes. Liability. You agree to indemnify, defend, hold harmless, and release us from any claims, liabilities, obligations, actions, or damages (including reasonable attorney’s fees) arising out of any breach of the Program or these Terms and Conditions by you or by anyone using the Program or your rewards. If any of these terms are determined to be illegal, invalid, or otherwise unenforceable by reason of the laws of any state or country in which these terms are intended to be effective, then to the extent and within the jurisdiction in which that term is illegal, invalid or unenforceable, it shall be severed and deleted from these terms and the remaining terms shall survive, remain in full force. Disclaimers. No fuel reward may be redeemed until it has been credited to your BaZing Fuel account. Fuel rewards have no monetary value, cannot be converted into any currency, and cannot be applied as credit to any payment card statement. The information and services provided as part of the Program are provided on an “as is,” “where is,” and “where available” basis. Further, StrategyCorps cannot warrant the information or services provided by third-parties including but not limited to Shell. All logos and trademarks are the property of their respective owners.

-Cell phone protection and personal identity theft benefit are subject to additional terms
and conditions.

-Insurance products are: NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY
ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY THE BANK