Skyla Wealth Referral Program Disclosures

¹To qualify, the referrer must be a Skyla Wealth member in good standing. “Good standing” is defined as: (1) no negative shares 30 days or longer, (2) no loan delinquency greater than 10 days, (3) no unpaid charge-offs, and (4) not currently in bankruptcy.

Referral Bonus: Referring Skyla Wealth members are eligible to receive a $1,000 cash bonus for each qualified referral. A qualified referral is defined as a net new Skyla Wealth member who has not held membership with Skyla within the past 90 days, remains in good standing for a minimum of six (6) months, and meets all membership eligibility requirements. The cash bonus will be paid to the referring member upon satisfaction of these conditions.

Rate Incentive: In addition to the cash bonus, referring members may receive a one-time 0.50% APY rate increase on a savings account or a 0.50% APR rate discount on a new auto loan or personal loan. Referrers must choose either the savings rate increase or the loan rate discount; the incentive cannot be applied to both. Rate incentives are limited to one use per referral.

Additional Provisions:

• There is no maximum number of referral bonuses a Skyla Wealth member may earn.
• Skyla Wealth eligibility includes a combined deposit balance of $500,000+ with Skyla and Amerprise Investment Services.
• Employee accounts, whether referring or referred, are excluded from this program.
• The referred Skyla Wealth Member must still be a participant of the Skyla Wealth program at the time of payout

²One bonus payout is eligible per qualifying checking account and per member tax identification number. This is a limited-time offer and cannot be combined with other offers.

One bonus payout eligible per qualifying checking account and per member tax identification number. This is a limited time offer and is not available for use in combination with other offers.

How it Works:

• Open a new  Skyla Wealth checking account, and meet and maintain account requirements. Details:
  
  
  • Skyla Wealth Checking: To be eligible, the Skyla Wealth Checking account must be opened on or after September 1, 2025. To receive the 4.00% Annual Percentage Yield (APY), members must meet Skyla Wealth membership requirements.
• Fund your accounts (combination of Skyla Credit Union checking and savings accounts with:

1. $10,000 - $49,999 of net new assets to receive $150
2. $50,000 - $99,999 of net new assets to receive $550
3. $100,000 - $249,999 of net new assets to receive $750
4. $250,000 - $499,999 of net new assets to receive $1,050
5. $500,000+ of net new assets to receive $1,550

• Maintain the net new asset balances above for a minimum of 90-days to receive the associated cash bonus incentive.

Bonus payouts will be made within 120 days of meeting all requirements.

All checking account applications are subject to approval.

Any account closed prior to bonus payout will forfeit eligibility. Accounts closed within 90 days of receiving a bonus will be subject to deduction of the bonus amount at the time of closing.

A “Qualifying Checking Account” is defined as a newly opened Skyla Wealth Checking account that meets membership eligibility and account funding requirements and remains in good standing.

A “Good Standing Account” is defined as an account that is not negative more than 30 days, current on all loan obligations or delinquency less than 60 days, and has no legal orders, levies, or liens against the account.

Ineligible accounts include any account subject to tax withholding, any account titled as an Irrevocable Trust or Estate, or any account not in good standing.

Employee accounts are excluded from eligibility.

Skyla reserves the right to change, extend, or discontinue this promotion at any time and terms may vary by market. Reproduction, purchase, sale, transfer, or trade of this offer is prohibited.

Skyla Credit Union may report bonus value to the IRS as required by law. Bonus payouts may be taxable; please consult a tax advisor regarding your specific situation.

*We have a partnership with Ameriprise Financial Services to provide financial planning services and solutions to our clients. We are not an investment client of Ameriprise, but we have a revenue sharing relationship with them that creates a conflict of interest. Details on how we work together can be found on ameriprise.com/sec-disclosure.

Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Ameriprise Financial cannot guarantee future financial results.

Ameriprise Financial Planning Services are optional, offered separately, and priced according to the complexity of your case and your financial advisor’s practice fee schedule. Your fees and financial advisor may be subject to change.

Financial planning is generally appropriate if you have financial goals, sufficient assets and income to address your financial goals, and are willing to pay an investment advisory fee for recommendations to help you achieve those goals. Please review the Ameriprise Financial Planning Client Disclosure Brochure or, for a consolidated advisory relationship, the Ameriprise Managed Accounts and Financial Planning Service Disclosure Brochure, for a full description of services offered, including fees and expenses.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

Skyla Credit Union is not affiliated with Ameriprise Financial, Inc.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.