^Military Valor Program (MVP) Disclosure: To enroll in the MVP 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, or a Program of Comprehensive Assistance for Family Caregivers (PCAFC) approval letter from the U.S. Department of Veterans Affairs (VA) as proof you are a caregiver of a Veteran and have a Universal Checking account. If the required Universal Checking account is closed, you are no longer eligible to receive the program benefits and offers. Only one WSB program can be tied to an account. MVP Program is subject to change without notice. No-fee Overdraft Protection benefit requires an additional WSB deposit account owned by the MVP Program member with funds sufficient to cover the overdraft items. 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 MVP Program patriotic checks will be provided. Benefit does not include reimbursement of other check designs you 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 daily 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. 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. REV081423