*Additional terms and conditions for FIB Perks Plus

-To earn your BaZing Fuel savings have at least 15 debit card purchases from your
eligible BaZing account post and settle during each Monthly Qualification Cycle (MQC),
which is defined as the first day of the month through the last day of the month.
Transactions may take one (1) or more banking days from the date of the transaction to
post and settle to the 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
savings: ATM withdrawals, transfers between accounts, deposit or refund transactions. All
transactions posted during the MQC in excess of the monthly reward requirement will be
counted toward the prevailing bonus reward. Bonus rewards are earned when the required
number of excess transactions to earn the prevailing bonus reward bonus 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 or the bonus reward. Earned
monthly and bonus rewards are applied and eligible for redemption the first day of the
month following the MQC.

-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