1 Bonus Offer is available from April 1, 2019 through June 30, 2019 (“Promotion Period”) for consumers who (a) do not currently hold a Ridgewood checking account either personally or as joint owner, (b) did not have a Ridgewood checking account either personally or as joint owner that was closed in 2019, and (c) open a new personal checking account during the Promotion Period that satisfies the applicable offer criteria set forth below (an “eligible customer”). Customer(s) must be an eligible customer and meet all existing checking account qualification requirements to qualify for this offer and must maintain the checking account as stated in the Bank’s account terms and conditions. Applicable bonus amount (as further described below) will be credited to the new personal checking account once the applicable offer criteria set forth below are met, approximately 90 days from account opening. One bonus award per eligible customer and new account; this offer cannot be combined with any other offer.

A $300 bonus offer is available to eligible customers who open a qualifying Premier Checking account and make a cumulative direct deposit of funds of at least $2,500 into it within 60 days of account opening. A $150 bonus is available to eligible customers who open a Ridgewood Good or Checking with Interest Account and make a cumulative direct deposit of funds of at least $500 into it within 60 days of account opening. A $150 bonus is available to eligible customers who open a Student Advantage account and make either: (i) a direct deposit of funds into it; or (ii) 10 debit card Point-Of-Sale purchases, within 60 days of account opening. Qualifying direct deposits include recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security). Person-to-Person and bank transfers between your Ridgewood Savings Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify. In addition, eligible customers may receive up to 5,000 in uChoose Reward® points by earning 1,000 uChoose Reward® points for each eligible additional service enrolled in during the Promotional Period. Eligible additional services for this Offer include: 1. MX-Money Management; 2. eStatements; 3. SMS Fraud Alerts; 4. Mobile App Activation; 5. Mobile Wallet. 5,000 uChoose Reward® points can be redeemed for $50 cash value. Benefits, Rewards Points and the redemption of Rewards Points under the uChoose Reward® program are administered by Fiserv, Inc., an unaffiliated third-party vendor of Ridgewood Savings Bank. uChoose Rewards® is a registered trademark of Fiserv, Inc.

Premier Checking Account: The minimum balance to open is $250. This is a tiered rate account, the APY for balances $0.01 – $9,999.99 is .10%; $10,000.00 – $24,999.99 is .20%; $25,000.00 – $49,999.99 is .25%; $50,000.00 or more is .50%. Checking with Interest Account: The minimum balance to open is $100. This is a tiered rate account, the APY for balances $0.01 – $9,999.99 is .10%; $10,000.00 – $24,999.99 is .15%; $25,000.00 – $49,999.99 is .20%; $50,000.00 or more is .25%. Ridgewood Good Account: The minimum balance to open is $25. Student Advantage Account: The minimum balance to open is $25.

Each Annual Percentage Yield (APY) set forth above is effective as of April 1, 2019 and is subject to change at any time. Fees may reduce earnings. The value of the bonuses paid under this promotion is considered interest and Ridgewood Savings Bank will issue you an IRS Form 1099-INT, or other appropriate form. Offer may be withdrawn or modified at any time without notice. Ridgewood Savings Bank employees and immediate family members are not eligible to participate in this offer.

Subject to Terms and Conditions. Program subject to change or discontinuance without notice.

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