Free Kasasa Saver

^‡Qualification Information:

Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, based on your daily balance. To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle.

• At least 12 debit card purchases
• Be enrolled in and log into online banking
• Be enrolled in and have agreed to receive eStatements rather than paper statements

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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

"Monthly Qualification Cycle": All Kasasa Monthly Qualification Cycles end on the business day before the second Wednesday of every month. See our website or contact one of branch service representatives for specific Monthly Qualification Cycle dates.

"Business Day": means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, June 19, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day.

"Statement Cycle": Our Statement Cycles end on the second Wednesday of every month. See our website or contact one of branch service representatives for specific Statement Cycle dates.

Reward Information: (The following information and rewards apply only to accounts that are opened after August 28, 2018)

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Saver: daily balances up to and including $50,000 in your Kasasa Saver account earn an interest rate of 1.00% resulting in an APY of 1.00% and daily balances over $50,001 earn an interest rate of 0.35% on the portion of the daily balance over $50,001, resulting in a range from 0.57% to 1.00% APY depending on the account's daily balance.

Depending on your Kasasa account, when your qualifications are not met the entire daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an 0.05% APY.

Interest will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it, along with ATM withdrawal fee reimbursements earned in your Kasasa Cash account, is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments and ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of 2/1/22. APY calculations are based on an assumed balance of $150,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Account approval, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Limit of 1 account(s) per social security number / individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC.

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.