PerkStreet Financial

January 5% PowerPerks.

Every month, we give our customers special opportunities to earn 5% back. We call them PowerPerks. For the month of January, we want to help you start your financial, health, and family-related New Year’s Resolutions right. From January 1 through January 31, you'll earn 5% cash back on all in store and online non-PIN purchases at TurboTax^®, sports and athletic clubs (MCC code 7941), and at art supply, craft, and fabric stores (MCC codes 5970 and 5949). Reward yourself for new beginnings and responsible spending on debit.

Over $600 in cash back every year.

For the average American family, it adds up to a lot of cash back. According to data from the U.S. Bureau of Labor Statistics, the average household spends $601 per week on things that could be put on a debit card, like utility bills, gas, and groceries. At 2% cash back, that would provide at least $625 towards helping you hit your financial goals. You can check whether your bills are among the many that can be paid with a PerkStreet^SM Debit Card by visiting http://www.mastercard.us/cardholder-services/bill-pay.html.

Why can PerkStreet afford to give you so much cash back?

Because we don't waste your money.

Every year, banks spend $80 billion on branches (that's a serious case of stuffitis). That equals nearly $1,000 for every family in the United States. If you're like us, you probably only walk into a branch to use the ATM or to talk to someone when you have a question. At PerkStreet, we think there are better ways to spend that money — like having even more ATMs and even better service.

In addition to more than $600 in cash back, we can provide the average family the most free ATMs in the country — 42,000 of them. That's more than Bank of America and Chase combined. Plus, you don't have to make a special trip to the branch to find a PerkStreet ATM, since they're located in places like CVS^®, Target^®, Costco^®, and Walgreens^®. We've also invested in incredibly fast, 24/7 phone support with people who are friendly, well trained, and located in the U.S.

Here are the details. There's nothing in them we wouldn´t be proud to tell our mothers about.

You will earn unlimited 2% cash back for all non-PIN debit card purchases you make for the first 90 days starting on the day that your account is opened.

Former PerkStreet customers who closed their accounts within the last 24 months are not eligible to receive this offer.

After the first 90 days, when your Current Account Balance at the start of the day is $5,000 or more, you'll earn unlimited 2% cash back for all non-PIN debit card purchases you make on that day. When your Current Account Balance at the start of the day is less than $5,000, you'll earn unlimited 1% cash back on all non-PIN debit card purchases you make on that day. To determine your starting Current Account Balance, we use your closing balance after all settled transactions from the previous business day. Pending purchases and transactions are not included in your Current Account Balance.

If you choose to earn coffee or music instead of cash back, you'll earn:

• Music: For every $100 in non-PIN debit card purchases, you will earn 2 songs when your Account Balance at the start of the day is $5,000 or more, or 1 song when it is below $5,000.

• Coffee: For every $200 in non–PIN debit card purchases, you will earn 2 cups of coffee when your Account Balance at the start of the day is $5,000 or more, or 1 cup when it is below $5,000.

You may switch perks programs at any time with no penalty.

In addition you will earn 5% cash back when shopping at certain retailers. We will announce the retailers and associated time periods for earning 5% cash back at those retailers via Twitter (@perkstreet), our Facebook page or other company communications.

The amount you can earn at the 5% cash back bonus rate is limited to $250 per household annually (starting on the day your account was opened). The total amount of cash back you can earn remains unlimited. Unless specific stores are named, qualifying purchases are determined by MCC codes.

All perks will be awarded in accordance with the PerkStreet Rewards Program Agreement.

This offer and the calculation of perks are subject to the terms of the PerkStreet Rewards Program Agreement. We may modify or cancel this offer at any time.

The PerkStreet Financial^SM Debit MasterCard^® is issued by The Bancorp Bank pursuant to license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
© 2011 PerkStreet Financial, Inc. All rights reserved.