Kasasa® Cash Back Account Disclosure

Qualification Information: Account transactions may take one or more days to post to the account and must do so during the Monthly Qualification Cycle in order to qualify for rewards. The Monthly Qualification Cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. The statement cycle means a period of time for which the Bank provides a summary of the financial activities and transactions that post and settle to your account. The Standard Account Qualification means the following requirements must be met per Monthly Qualification Cycle in order to qualify for rewards: eStatements, online banking with a minimum of one log-in, and a minimum of 12 debit card transactions (signature and PIN based) are posted to your account.

Reward Information: Rates and rewards are variable and may change without notice. Fees may reduce earnings. If the account is closed before the rewards are credited, rewards will be forfeited. The following do not count toward earning rewards: ATM-processed transactions, transfers between accounts and purchases made with debit cards not issued by our bank.

Kasasa Cash Back: If all standard account qualifications are met, we will refund up to $25 in U.S. based ATM transaction fees and you will receive 3.00% back, up to a maximum of $9 on debit card purchases. If standard account qualifications are not met, no cash back payments are made and U.S. based ATM withdrawal fees are not refunded.

Additional Information: Additional conditions and requirements may apply. Minimum deposit to open a Kasasa Cash account is $25. ATM fees and cash back rewards will be credited to your account on the last day of your statement cycle. A receipt must be submitted for ATM fees $5 and higher for reimbursement. Limit one account per tax identification number. Accounts closed within the first six months are subject to a fee. For a complete account disclosure, contact a Customer Service Representative.

Member FDIC. Kasasa Cash Back is a trademark of Kasasa Ltd., registered in the U.S.A.