Member Referral Fine Print:
1 Each referred member must be age 18 or older to qualify. New member will need to qualify for membership, cannot be an existing member, or have closed their account in the last 6 months. New member must open checking account, activate his/her debit card within 30 days of account opening, and make 10 debit card purchase transactions within 30 days of card activation for new and referring member to receive $25. Referring member's account must be in good standing. Up to $500 can be earned in referral rewards per calendar year. Members will each receive $25 into their Spartan Saver accounts within 4 to 6 weeks of meeting qualifications. MSUFCU reserves the right to revoke referral program privileges at any time. Institutional referrals do not qualify. Not valid with any other new account specials. Referred member must present referral information at account opening to qualify. Bonus may be taxable and reported as dividends on an IRS Form.

Don't (Spring) Break the Bank Fine Print:
1 The Don't (Spring) Break the Bank Sweepstakes begins at 12:00 a.m. ET on January 20, 2026, and ends at 11:59 p.m. ET on February 20, 2026. To enter, students must complete all three CashBack+ Actions, including completing five Visa Debit or Credit Card purchases, making a CashBack+ purchase of more than $10, and depositing a minimum of $10 into a Savings BuilderSM account. Only one online entry per participant will be accepted; however, members may receive one additional entry by attending the in-person seminar on February 18, 2026. An active checking account is required to open a Savings Builder account. The Savings Builder is a tiered-rate account that pays different dividend rates on portions of the account balance within each tier rather than on the entire balance. For example, a daily balance of $3,000 earns the Tier 1 rate on the first $999.99, the Tier 2 rate on amounts from $1,000 through $1,999.99, and the Tier 3 rate on amounts from $2,000 through $3,000. The Tier 3 APY assumes a daily balance of $3,000; higher balances may result in a lower APY being earned. Rates are variable and subject to change at any time. No minimum balance is required to open a Savings Builder account or to earn dividends. Limit one Savings Builder account per member. Youth accounts, business accounts, Individual Retirement Accounts, and Health Savings Accounts are not eligible for a Savings Builder account, and fees may reduce earnings. All participants who complete all three Actions will receive $25. In addition, three winners will be randomly selected from eligible participants who complete all three Actions to receive one of the following prizes: one BEIS carry-on suitcase, one TSA PreCheck credit, or one $500 travel credit deposited into your Grizzly Saver. Prizes are valued at $268, $88, $500, and $25, respectively, and only one prize will be awarded per winner. Chances of winning depend on the number of eligible entries received. Winners will be randomly selected by February 23, 2026, by the Oakland University Credit Union Marketing Department, whose decision is final. Winners' accounts must be in good standing and winners will be notified by email or phone and must respond within five business days or a new winner will be selected. Winners must sign a release and consent form to receive a prize. Prizes may not be substituted or transferred except at the discretion of the Credit Union, which provides no warranty related to prizes. Winners are responsible for all applicable taxes and any costs associated with prize use. Employees, Board members, and Supervisory Committee members of the Credit Union, affiliated CUSOs, and promotion sponsors are not eligible. No purchase is necessary to enter and a purchase will not improve chances of winning. Mail in entries may be submitted by sending a 3-inch x 5-inch card with the sweepstakes name, entrant's name, address, phone number, and email address to Oakland University Credit Union, ATTN: Marketing - Don't (Spring) Break the Bank Sweepstakes, 3777 West Rd., East Lansing, MI 48826. A winners list will be available at msufcu.org/winners, and full promotion details are available at msufcu.org/specialoffers.

2 CashBack+ Actions are available to all OU Credit Union members who maintain an active account in good standing. To earn cash back rewards, member must fulfill the requirements of each specified Action within the designated timeframe. Detailed descriptions of available Actions and their respective requirements will be provided in the CashBack+ widget. Upon successful verification of completed Actions, cash back rewards will be credited to the member's CashBack+ wallet on a monthly basis. Reward amounts will vary depending on the specific Action completed. Actions will be displayed in the CashBack+ widget as they become available. Please note that there may be times when no Actions are listed. Each Action will include an expiration date; Actions must be completed before this date in order to qualify for rewards. Cash back rewards may be subject to taxation and could be reported on applicable IRS forms. Members may choose to transfer their rewards to an OU Credit Union account or redeem them for select digital gift card offers.