AmaZing Cash FAQs. About the Program

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1 AmaZing Cash FAQs About the Program 1. How does the AmaZing Cash program work? The AmaZing Cash program comes automatically with the AmaZing Cash Credit Card and the AmaZing Cash Signature Card. You earn 1% cash back on all purchases made with your card. Once $50 in cash back has been earned, it is automatically deposited into your savings or checking account with Nevada State Bank. There are no coupons to return, and no requests are required in order to receive the cash back rebate. 2. Is there any earnings cap with AmaZing Cash? No, there is no earnings cap with the AmaZing Cash Program. 3. Does cash back ever expire? No. 4. How do I enroll in the AmaZing Cash program? If you have an AmaZing Cash Visa Card or an AmaZing Cash Visa Signature Card, you are automatically enrolled in the AmaZing Cash program. 5. How much cash back do I earn? You earn 1% cash back on net purchases (your purchases minus any returns). You do not earn cash back on cash advances, fees, quasi-cash, or accumulated interest and fees. 6. When will you distribute cash back to me? Cash back will be distributed to you approximately three business days after the conclusion of the billing cycle in which you accrue the required amount of $50. Example: If you earn the $50.00 on June 14th but the billing cycle concludes on June 26th, you will receive your cash back on approximately June 29th. 7. Is cash back reversed in case of returned items? The 1% cash back you earn is net of sales and returns. For example, if you spend $5,000 during the June cycle and earn 1%, or $50.00, $50.00 is then transferred into your deposit account, and your cash back balance returns to zero. If during the July cycle, you return $2,000 worth of merchandise and have no additional purchases by the end of your statement cycle, a deficit balance of $20.00 (1% of $2,000) is shown. The deficit balance will stay negative until you make enough additional purchases to cover the deficit. 8. Can this program be combined with AmaZing Rewards? No. You can only be enrolled in one program at a time. 9. Do I earn cash back if I go over my credit limit? Yes. There is no over-limit penalty for earned cash back. If your account goes over limit, you will still earn cash back on purchases. 10. Do I earn cash back if my account is past due? We will suspend the cash back accrual for any monthly period during which you are past due 60+ days. However, if your account becomes current, you will receive the cash back that was accrued prior to the suspension. 11. Will you offer special cash-back promotions? We may periodically offer special promotions, subject to certain terms, conditions, restrictions or limitations. Current promotions (as of July 2012) on the AmaZing Cash and AmaZing Cash Signature include 2% cash back during the first 90 days of account opening. Rebate Process 12. What types of accounts can be used for my automatic cash back deposits? The cash back deposits can be made into any Nevada State Bank checking, savings or money market account. 13. How is AmaZing Cash credited to my deposit account? The cash back rebate will be awarded automatically each time an account has accumulated $50 in credit. It will be deposited into the deposit account you provided when you applied. The deposit account must be open in order to receive the credit. No exceptions. The payout will always occur in $50 increments; any accrued amounts over each $50 increment will be retained until the $50 increment is reached.

2 14. Where can I see the cash back I ve earned? You may track the amount of cash back earned via your credit card statement. Your monthly credit card statement will show: (1) the beginning balance of cash back earned, (2) the amount of cash back earned in the statement period, (3) The amount of cash back redeemed for the statement period, and (4) the balance remaining of cash back. 15. Can I receive cash back in some other way, rather than a deposit? No. You must have a deposit account to earn cash back and you must provide the deposit account number at the time of application. Applications received without a deposit account will be marked conditional until an account number is provided. Fees and Other Charges 16. Is there an annual fee? No. There is no annual fee for AmaZing Cash and AmaZing Cash Signature Cardholders. 17. Do I have to report cash back as income? No. We will not mail you a 1099 form.

3 AmaZing Rewards FAQs These FAQs are provided for your convenience. The AmaZing Rewards Program is subject to the Terms and Conditions (available on the AmaZing Rewards landing page within online banking) and all applicable laws, which take precedence over these FAQs. For any additional questions, call the Contact Center at Basics How does AmaZing Rewards work? Let s start with a question: what is your AmaZing? What experience, indulgence, or adventure have you always wanted, but have never quite been able to get? Is it a trip to Fiji, a romantic dinner for two, or how about that newest electronic gadget? Now picture us picking up the tab with your AmaZing Rewards points. AmaZing Rewards was designed with you in mind. It is an incredible new rewards program that introduces flexibility and added value. It lets you redeem your points for almost anything! Best of all, it is very easy to use and understand. Just follow these simple steps to make your AmaZing happen: 1. Use your credit card for your everyday purchases and earn 1 AmaZing Rewards point for every dollar you spend on qualifying purchases. Gas, groceries, utilities the more you use your card, the faster your points build. 2. Purchase your AmaZing with your credit card and find the best deal you can while you are at it. Book those hard-to-find flights on any airline you like, find great deals online or at the nearest local business and enjoy your rewards points, knowing that they re on us. 3. Go online, select your new AmaZing purchase from the last 90 days of purchases made with your credit card, and redeem your available AmaZing Rewards points towards that purchase! To redeem over the phone, call the Contact Center at A statement credit for your redemption(s) will be applied to your card account, which will appear on your next monthly statement. (1 AmaZing Rewards point = $.01 statement credit; a redemption of 10,000 points = a $100 statement credit). Your rewards points have no cash value and cannot be redeemed for cash. What is the difference between this AmaZing Rewards program and the previous one? With the new AmaZing Rewards program you have many options. Instead of going through a catalog and choosing from a list of items, you can now spend, spend, spend and then go online and choose which of your purchases you want to redeem points for. Note: a minimum of 2,500 points are required to redeem. How do cardholders enroll in the AmaZing Rewards program? Cardholders with an AmaZing Rewards VISA Card or an AmaZing Rewards VISA Signature Card are automatically enrolled in the AmaZing Rewards program. What will happen to my current reward points? All points will be automatically transferred. You don t have to do anything. Do AmaZing Rewards points expire? Your rewards are yours for the life of the account they will not expire. But if your account is closed, or if the program is cancelled, you will lose any rewards you have not redeemed. Will there be special rewards promotions available? Promotions may occur periodically. Can this program be combined with AmaZing Cash? No. You may only be enrolled in one program at a time. Earning How do I earn points? You will earn 1 point for every dollar spent on qualifying purchases with your AmaZing Rewards credit card. It s that easy. Use your card and earn rewards. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash transactions, such as the purchase of traveler s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraudulent charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Can I earn points for gift cards? You can use your AmaZing Rewards credit card to purchase gift cards at the online or in-store merchant of your choice and then log on to online banking (or call the Contact Center at ) to redeem your available AmaZing Rewards points towards the cost of the gift cards.

4 Is there a limit to the amount of rewards I can earn with AmaZing Rewards? There is no cap to the amount of rewards you can earn on qualifying purchases. How do I track rewards points earned? You may track your AmaZing Rewards points on your monthly credit card statement. Why don t my points increase every time I make a purchase? Points are posted once a month. Your monthly statement will show the number of points you have earned since your last statement, as well as the total number of points available for redemption as of the statement date. If I do not pay my credit card bill in full every month, will I still earn rewards? You do not have to pay your bill in full every month to earn rewards. Just be sure to pay your minimum monthly payment by the due date and keep your account in good standing, and you will continue to earn rewards. Redeeming How do I redeem points? It s easy! All you do is log in through online banking. Once there, you will be able to access AmaZing Rewards. In the AmaZing Rewards system you will see all purchases made in the last 90 days, and you can choose which purchases you want to redeem your points for. We will issue you a statement credit for those purchases. To redeem points over the phone, call the Contact Center at How many points do I need in order to redeem? You must have at least 2,500 AmaZing Rewards points available in order to redeem and redeem at least 2,500 points at a time. You may combine a number of smaller purchases in order to reach the 2,500-point minimum. If I have 5,000 AmaZing Rewards points available, but my purchase item requires 6,000 points in order to redeem, can I redeem my 5,000 AmaZing Rewards points towards the 6,000 purchase item? Yes! As long as you have at least 2,500 points available and redeem at least 2,500 points at a time, you may make redemptions towards any purchase item even if you don t have enough points to cover the entire purchase; this is called a partial redemption. How long will purchases be available to redeem against? Purchases will be eligible for redemption for 90 days from the date of the transaction. Can I redeem my points for any purchase I make, or are there limits?? You will earn 1 point for every dollar spent on qualifying purchases with your AmaZing Rewards credit card. It s that easy. Use your card and earn rewards. You can redeem for any qualifying purchase made in the last 90 days. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Can I redeem points for gift card purchases? Yes, gift cards are considered a qualified purchase to redeem points against. You can use your AmaZing Rewards credit card to purchase gift cards at the online or in-store merchant of your choice and then log on to online banking (or call the number on the back of your AmaZing Rewards credit card) to redeem your available AmaZing Rewards points towards the cost of the gift card. How long will it take to see the credit to my account? Typically it will take 2 3 business days to see the credit post to your credit card account. If I receive a statement credit, will I still need to make a payment? Yes, you will still need to pay the Minimum Payment Due as shown on your credit card statement; however, the account credit does decrease your account balance. Your account must be open and in good standing to earn or redeem points. How often can I redeem my rewards? You may redeem as often as you d like as long as you have at least 2,500 points available and enough for a full or partial redemption for the desired item, and your account is in good standing. How do I get a copy of my rewards terms and conditions? A copy of the terms and conditions will be sent along with your welcome letter. You can print a copy of your rewards terms and conditions by using the Print option in your browser at your convenience from the AmaZing Rewards website. If I redeem all of my rewards and do not use my account for a while, am I still in the program? Yes, you are still in the AmaZing Rewards program as long as your account is open and in good standing.

5 FAQS for Existing Visa Classic, Visa Platinum, or Visa Signature Cardholders 1. How do I take advantage of one or all of the following benefits? Double rewards for 90 days, up to 25% annual bonus, plus no annual fee, 0% APR for 6 months, and 0% Balance Transfer for 12 months? All of these benefits are available on the new AmaZing credit card products. Simply fill out our account upgrade form available at any of our branches, and upon approval, you may migrate your existing card to one of the new AmaZing cards that best meets your needs and enjoy these new promotions and benefits! 0% APR on purchases and double rewards (cash or points) is available on new purchases made with the new AmaZing card. The 0% Balance Transfer offer is available for external balance transfers only; any existing balances on your current card will migrate over to your new AmaZing card at a fixed 7% variable APR on balances transferred from your existing Nevada State Bank Credit Card Account. 2. I already have a credit card with you, but I want one of the new AmaZing cards. What do I need to do? Simply complete the account upgrade form available at any Nevada State Bank branch and upon meeting our predetermined criteria - which does not include pulling new credit information - we will upgrade your card to the new AmaZing product. If you are requesting an increase in your credit limit, a new application will be required and new credit information will be pulled. 3. Once I get my new AmaZing card, how will my existing Rewards points or earned Cash Back be handled? Your earned Rewards points or Cash Back will transfer over automatically to your new AmaZing card. 4. Once I get my new AmaZing card, is there anything else I need to do? Please also note your account number will be changed, and any balances will be automatically transferred to your new account. If there are any companies to which you have provided your account number for billing purposes, such as insurance, donations, automatic billing, etc., please contact the company and provide them with your new account number to avoid any payment and/or billing issues. 5. Once I get my new AmaZing card, what options do I have to manage the existing balance on my card? Your existing balance will be transferred over to your new AmaZing card. Your new balance transfer rate will be a fixed 7.00% for 12 months. There is no balance transfer fee. Any pending purchases that have not yet posted will automatically be transferred to the new AmaZing card and will be subject to those new terms and conditions. 6. I m currently earning points on my old Visa Platinum card. I would prefer to earn cash back. How can I switch to the new cash back program and also earn the 25% bonus? If you currently are enrolled in Rewards but would like to upgrade to the AmaZing Cash card program and earn up to a 25% cash back bonus, simply fill out the account upgrade form available at any of our branches and indicate that you would like to upgrade to the AmaZing Cash card product. You must also identify into which deposit account you would like your earned cash rebates deposited. If you are approved for a new AmaZing Cash card, all earned AmaZing Rewards points on your Visa Platinum account will be converted to AmaZing Cash (1 Amazing Rewards point = $.01 in AmaZing Cash). The annual bonus will be calculated going forward based on new spend made on your AmaZing Cash card. AmaZing Cash is deposited into the designated deposit account automatically in $50 increments. 7. I don t currently have a rewards program on my credit card. Can I enroll in rewards or cash back on my current credit card? Yes! You can enroll in either one of these rewards programs on your current credit card (with the exception of the Low Rate Visa Platinum Card and the Visa Secured Card). You will also be subject to your current card s Terms and Conditions for those rewards programs. There is a $25 annual fee for the rewards program. Your credit card number and all other features will remain the same. For specific information on your account, please contact Customer Service at If I enroll my card in the rewards or cash back program, will I get double rewards for the first three months, or up to 25% annual bonus? No, these promotions have been reserved for the new AmaZing card products. However, if you would like to take advantage of these offers, you are welcome to complete the account upgrade form for the new AmaZing card products available at any Nevada State Bank branch, subject to credit approval.