Turn everyday purchases into effortless rewards, with your Kasasa Account!

With GRSCU Everyday Rewards, earning extra has never been easier. Make debit card
purchases at participating stores and earn rewards that you can convert into cash back on your
account. All at no additional cost without any enrollment.

How it works:

1. You’ll be automatically enrolled and ready to earn when you open your checking account.
   No need to download another app or make a new password.
2. You’ll receive a welcome email with a link to your personal GRSCU Everyday Rewards
   dashboard. Use this dashboard to explore your offers and redeem rewards. Emails from
   “RewardLocally.com” are legitimate and can be trusted.
3. Earn rewards when you make debit card purchases at participating retailers. Rewards may
   take 60–90 days to become available.
4. You’ll receive an email at the end of each cycle to remind you to redeem your available
   rewards.
5. Go to your GRSCU Everyday Rewards dashboard to redeem your rewards. If you forget
   your dashboard URL, visit grscu.youreverydayrewards.com/learn-more, click “SEE MY
   REWARDS,” and enter your email address.

Disclaimers:

BASIC CHECKING – NON-KASASA ACCOUNT:
GRSCU Everyday Rewards (“Program”) is a rewards program that enables you to take advantage of
special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”)
every time you use your GRSCU debit card to purchase products and services – online or in-store – from any
of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by
participating Merchants and the Rewards will be available to you for redemption after authentication (“Program
Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you
will be deposited into the account in which the transaction originated.
As a benefit to you, we will automatically enroll you in the Program. You do not have to register your debit card
or use a mobile app to earn Rewards. Rewards will be earned and accrue during each Earning Cycle. Earning
Cycles are defined as means the current statement cycle – contact one of our branch service representatives for specific statement cycle dates. (“Earning Cycle”). Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Rewards are earned; (ii) validated by the Merchant; and (iii) are made available for distribution (“Redemption Period”).
Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your
account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or
(iv) you opt out of the Program.
Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the
time of purchase. You will only receive a cash back equivalent on the purchase price, and it may exclude
any additional costs including tips, taxes, shipping, etc.
Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards
if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a
limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the
next month. The number, type, value, and category of Offers is subject to change at any time.
Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to
applicable laws, such Rewards are not your property, and you have no property rights or other legal interest
in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until
deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot
be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and
cannot be combined with Rewards of any other member or participant in the Program.
We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion
including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any
time. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account, American
Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the
Federal Government does not guarantee that depositors will get back their money.
Terms & Conditions

KASASA-POWERED CHECKING:
GRSCU Everyday Rewards program (“Program”) is a rewards program that enables you to take advantage of
special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”)
every time you use your GRSCU debit card to purchase products and services – online or in-store – from any
of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by
participating Merchants and the Rewards will be available to you for redemption after authentication (“Program
Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you
will be deposited into the account in which the transaction originated.
As a benefit to you, we will automatically enroll you in the Program. You do not have to register your debit card
or use a mobile app to earn Rewards. Rewards will be earned and accrue during each Earning Cycle. Earning
Cycles are defined as means the current statement cycle – contact one of our branch service representatives for specific statement cycle dates. (“Earning Cycle”). Rewards will be made
available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Reward
are earned; (ii) validated by the Merchant; and (iii) and are made available for distribution (“Redemption Period”).
Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your
account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or
(iv) you opt out of the Program.
Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the
time of purchase. You will only receive a cash back equivalent on the purchase price, and it may exclude
any additional costs including tips, taxes, shipping, etc.
Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards
if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a
limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the
next month. The number, type, value, and category of Offers is subject to change at any time.
Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to
applicable laws, such Rewards are not your property, and you have no property rights or other legal interest
in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until
deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot
be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and
cannot be combined with Rewards of any other member or participant in the Program.
We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion
including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any
time. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account, American
Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the
Federal Government does not guarantee that depositors will get back their money.

Terms & Conditions

Kasasa Accounts:

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account, and all must
do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. “Monthly Qualification
Cycle” means the current statement cycle – contact one of our branch service representatives for specific statement cycle dates. See our website or contact 413-782-3161 or visit one of
our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:
Depending on what reward checking account you have, you will receive the following rewards when you meet
your account’s qualifications during a Monthly Qualification Cycle:

• Cash back on debit card purchases (all categories)
• Cash back on debit card purchases made at grocery stores and food delivery services identified at https://
  www.kasasa.com/eats-partners
• Cash back on debit card purchases made with music, video, gaming, and other digital streaming services
  identified at https://www.kasasa.com/play-partners
• .10% APY on your share draft account balances
  Additional Information:
  Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes,
  enrollments, log-ons and other requirements apply and may vary by account. $10.00 minimum deposit is
  required to open the Free Kasasa Cash Checking account or Kasasa Cash Back.
  $10.00 minimum deposit is required to open the Kasasa Saver account.
  Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some
  of the account’s qualifications. Limit of 1 Kasasa Cash Back Checking account(s) per social security
  number. Limit of 1 Kasasa Cash Checking account per social security number. There are no
  recurring monthly maintenance charges or fees to open or close this account. A Kasasa Checking account is required to have a Kasasa Saver savings account. A linked Kasasa Saver savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account,
  American Share Insurance. By members’ choice, this institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.