DISCLOSURE

**Five Star Checking earns 5.00% Annual Percentage Yield (APY) on balances up to $5,000 when all monthly qualifications are met; balances over $5,000 earn 0.05% APY. If qualifications are not met during a statement cycle, all balances earn 0.05% APY. APYs are accurate as of the date printed and may change at any time after the account is opened. To qualify each statement cycle, the account must receive at least one direct deposit, complete a minimum of ten (10) debit card point-of-sale transactions that post and clear, and be enrolled in and receive e-statements. Fees may reduce earnings. Incentive offer available only at the North Valley Bank Hebron office and only for new checking customers. To earn the initial $200 incentive, customers must open a new Five Star Checking account at the Hebron office and meet all Five Star Checking qualifications within the first 90 days of account opening. To earn the additional $100 incentive, customers must complete three (3) online bill pay transactions that post and clear within the same 90-day period. Incentives will be deposited into the account within 30 days after all requirements are verified as met. Account must remain open, active, and in good standing at the time the incentive is paid. Limit one incentive per household. Offer expires 09/19/2026 and may be withdrawn at any time. Additional terms and conditions may apply. Member FDIC.