The STAR Points Reward Program is our way of thanking you for being a member. Every time you do business with us, you earn points that you can redeem to waive certain fees, increase share certificate rates or even decrease loan rates. There are no special activities to perform; just conducting your regular business activities can earn you points. Here are just a few of the activities you earn points for:

• Opening a New Checking Account
• Opening a New Share Term Certificate
• Opening a New Money Market
• Logging onto our PC Banking Site
• Signing up for E-Statements
• Receiving an E-Statements
• Maintaining a Share Balance
• Celebrating a Birthday
• Debit Card Transactions

You can redeem points for non-merchandise items at any time. A complete list of non-merchandise items, including the item name, description and point value is located on the STAR Points site in PC Banking. Simply use the on-line shopping cart to select the items you want! Your order will be completed within 7 - 10 business days after your order is placed. Here are just a few of the non-merchandise items you can earn:

• Waive Overdraft Advance Fee
• Waive NSF Fee
• .25% loan rate reduction
• Waive Home Equity Application Fee
• .25% Share Term Certificate Increase
• Waive Visa Credit Card Late Payment Fee
• ...and much more!

For a complete list of activities that you can earn points for, or to track the number of points you have earned, simply log into our PC Banking site, click on STAR Points under the Services section. Once inside the STAR Points site, you can find:

• Total Available Points
• Points Earned this Month
• Last 30 Days of Activity
• Activities that Receive Points
• Date Points were Received
• and much more!