1. Bonus Offer is available from 9/9/24-12/14/24 (“Promotion Period”) for consumers who (a) do not currently hold a Ridgewood checking account either personally or as joint owner, (b) did not have a Ridgewood checking account either personally or as joint owner in the three-month period prior to opening the required account under this offer, and (c) open a new personal checking account during the Promotion Period that satisfies the applicable offer criteria set forth below (an “eligible customer”). Customer(s) must be an eligible customer and meet all existing checking account qualification requirements to qualify for this offer and must maintain a checking account in accordance with the Bank’s account terms, conditions and Disclosure of Service Charges. Minimum of $300 or more in qualifying and recurring direct deposits to be eligible for the bonus. The $300 bonus earned in accordance with the requirements of this offer will be credited to the new checking account within 180 days from account opening. The first direct deposit must be made within 90 days and the last qualifying direct deposit must be received within 150 days of new checking account opening date. Each eligible customer may only receive one bonus award. This offer cannot be combined with any other offer. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits (such as Social Security). Person-to-person and bank transfers between your Ridgewood Savings Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Payments received for goods sold do not qualify. The value of the bonuses paid under this promotion is considered interest and Ridgewood Savings Bank will issue an IRS Form 1099-INT, or other appropriate form. Offer may be withdrawn or modified at any time without notice. Ridgewood Savings Bank employees and immediate family members are not eligible to participate in this offer.

2. Only one entry per person. You must be a legal U.S. resident at least 18 years of age to enter. Sweepstakes entry period begins on September 30, 2024 at 8:30am and ends on December 14, 2024 at 2:00pm (ET). Drawing date is on December 14, 2024. No purchase necessary. You need not be a customer of the bank to enter or win. Submit your ticket at our New Rochelle branch; 25 Maple Avenue, New Rochelle, NY 10801. Employees of Ridgewood Savings Bank and its subsidiaries and their immediate family are not eligible for entry into the Sweepstakes. Odds of winning depend on the number of entries. Taxes, if any, are the sole responsibility of the prizewinner.

Three (3) prizewinners will be selected by a random drawing from all qualified entry ballots submitted and will be notified by phone or email. If any such person cannot be reached within 7 days or is determined not to be eligible, at Ridgewood Savings Bank’s sole discretion the prizewinner may be disqualified and a new prizewinner will be selected. Prizewinners will pick up prize at the New Rochelle Branch. First prize is $1,000. Second prize is $500. Third prize is $250. Names of prizewinners will be made available upon request. Potential prizewinners agree to demonstrate their identity, sign a Release and other required forms, including a statement permitting the use of their name and photograph for publicity purposes. By entering, you agree to be bound by these Rules, that the decisions of Ridgewood Savings Bank, as sponsor, shall be final and binding in all respects, and the Bank shall have no liability to any person for injury, damages or loss arising in connection with this Sweepstakes. Ridgewood Saving Bank reserves the right to terminate or modify this Sweepstakes without prior notice for any reason.

Sponsor: The Sweepstakes is sponsored by Ridgewood Savings Bank, 71-02 Forest Avenue, Ridgewood, NY, 11385. You understand that you are providing your information to Ridgewood Savings Bank. By entering this sweepstakes, entrants consent to receive promotional offers from Ridgewood Savings Bank.

3. While supplies last.