It pays to have INCENTIVE CHECKING 1.50% APY www.novation.org 45 Hassan St SE* Hutchinson, MN 55350 (800) 369-6628 *APY = Annual Percentage Yield. To receive the 1.50% APY you must meet the following requirements per month: (1) one payroll direct deposit, (2) must be enrolled in eStatements with valid email address and (3) 12 Visa Debit Card purchase transactions that must average at least $5. The 12 debit card purchases excludes cash advances, ATM transacions, returned purchases, disputed or unauthorized/fraudulent transactions, or fees caused by debit card use. Accounts that meet the requirements will receive 1.50% PY on balances up to S25,000. Resuing APY if requirements are not met or for balances in excess of $25,000 is 0%. Rates and program subject to change. Iederally insured by NCIA.