Important information will be provided to you in the disclosures you receive during the account opening process.

¹ You must be a new business checking customer of Flagstar Bank. You must open a Business Solutions Checking or Business Solutions Checking with Interest account. Minimum $100 deposit to open a checking account. You will receive a $1,000 credit into this account as a bonus 91-104 days after account opening, subject to the following condition: Within the first 90 days of account opening (bonus period), you must maintain an average daily Balance of $25,000 or more. Additionally, (i) this offer is limited to one checking bonus per tax identification number, (ii) Business Solutions Checking or Business Solutions Checking with Interest account must be funded within 90 days of the account opening date, (iii) Consumer accounts do not qualify, (iv) early account closure fee and reclamation of bonus may be imposed for account closed within 180 days, and (v) Flagstar Bank employees are not eligible for the offer. If you have been paid a business checking cash bonus previously, you are ineligible to receive this offer. If multiple accounts are opened with the same account holder, only one account may be eligible for the cash bonus. This offer cannot be combined with any other offers or promotions. For tax purposes, you will receive an IRS form from Flagstar Bank. Offer subject to change or cancellation at any time without notice. Receiving this offer does not guarantee your eligibility. All account applications are subject to our normal approval process. Area restrictions may apply. Offer expires June 30, 2025.

² Promotional offer valid from April 1, 2025, through June 30, 2025. This offer is available for qualified Flagstar Bank merchant services customers who have not had a merchant services account processed by First Data Merchant Services LLC within the last six months. Offer is valid for one Clover Business bundle for a Clover Flex, Flex Pocket, Mini, Station Solo, or Station Duo point-of-sale hardware device purchase or 36- month or 48-month subscription. The Clover Business bundle includes a $500 rebate and a no-cost 60-day trial of the Essentials service plan. The $500 rebate will be initiated approximately 60 days after the account begins processing transactions. The Essentials Plan monthly fees will be billed after 60 days. To be eligible, the merchant must (1) purchase or subscribe to a Clover Flex, Flex Pocket, Mini, Station Solo, or Station Duo point-of-sale device; (2) be credit approved between 4/1/25 and 6/30/25; (3) sign a merchant processing agreement; (4) activate account within 30 days from approval date. Additional fees apply to certain services on activated accounts. All terms and conditions apply, including, without limitation, all applicable early termination fees and monthly minimums. Eligibility is at the sole discretion of First Data Merchant Services LLC. Only one offer per eligible business tax ID. Offer not valid with any other offer and is subject to change without notice.

©2025 Clover Network, LLC. The Clover name and logo are trademarks owned by Clover Network, LLC., and registered or used in the U.S. and many foreign countries. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Use of Clover requires a Merchant Processing Agreement.

³ Monthly transactions allowance at no charge include checks paid, items deposited, deposit ticket, and ACH debits and credits.