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Kasasa Cash:

Qualification Information: 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, debit card purchases less than $5.00, debit card 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" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $50,000.00 in your Kasasa Cash account earn an interest rate of 1.98% resulting in a compounding APY* of 2.00%; and daily balances over $50,000.00 earn an interest rate of 0.25% on the portion of the daily balance over $50,000.00, resulting in a compounding range from 2.00% to 0.83% APY depending on the account's daily balance. In addition, daily balances up to and including $100,000.00 in your Kasasa Saver account earn an interest rate of 0.49% resulting in an APY of 0.50% and daily balances over $100,000.00 earn an interest rate of 0.38% on the portion of the daily balance over $100,000.00 resulting in a range from 0.50% to 0.38% APY depending on the Kasasa Saver account's daily balance. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in a compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of 0.05% resulting in an annual percentage yield of 0.05%. Interest will be credited to your Kasasa Cash and Kasasa Saver accounts on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. *Note: When linked to a Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it, along with any nationwide ATM withdrawal fee reimbursements are 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. APY = Annual Percentage Yield. APYs accurate as of 12/01/2018 APY calculations are based on an assumed balance of $50,000.00 + $100,000.00 in your Kasasa Cash account and $100,000.00 + $100,000.00 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates and rewards, 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, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $200.00 minimum deposit is required to open the account. Monthly Direct deposit or ACH Credit or ACH Debit, enrollment in online banking, and at least 12 Debit card transactions (POS) per Monthly Qualification Cycle are condition(s) of the Kasasa Cash account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per SSN. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash 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 and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Personal Checking Account:

1The daily balance is the principal in the account at the end of the day. The average daily balance is calculated by adding the principal in the account at the end of each day of the statement cycle and dividing that figure by the number of days in the statement cycle.

2A debit is any account-owner initiated transaction that lowers the balance of the account, e.g., withdrawals, transfers, checks paid or other payments out of the account.

Personal Interest Checking (NOW) Account:

1The daily balance method is used to calculate interest on the account. This method applies a daily periodic rate to the principal in the account at the end of each day.

2The daily balance is the principal in the account at the end of the day. The average daily balance is calculated by adding the principal in the account at the end of each day of the statement cycle and dividing that figure by the number of days in the statement cycle. 3A debit is any account-owner initiated transaction that lowers the balance of the account, e.g., withdrawals, transfers, checks paid or other payments out of the account.