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 and transfers between accounts. “Monthly Qualification Cycle” means a period beginning one (1) Business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $10,000.00 receive APY of 2.00%; and balances over $10,000.00 earn 0.20% interest rate on the portion of balance over $10,000.00, resulting in a range from 2.00% to 0.20% APY depending on the account’s balance and (2) you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Cash qualifications are not met, all balances in the account earn 0.01% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 04/09/2018. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly ACH credit or ACH debit, have at least 15 check card purchases post and settle and enroll in and agree to receive E-statements via online banking, are conditions of these accounts. Limit one (1) account type per individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open, maintain, or close this account. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

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 and transfers between accounts. “Monthly Qualification Cycle” means a period beginning one (1) Business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, (1) you will receive 4% cash back on up to a total of $200.00 check card purchases that post and settle to the account during that cycle period. A maximum of $8.00 cash back may be earned per Monthly Qualification Cycle. (2) you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly ACH credit or ACH debit, have at least 15 check card purchases post and settle and enroll in and agree to receive E-statements via online banking, are conditions of these accounts. Limit one (1) account type per individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open, maintain, or close this account. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.

When you open and fund your Kasasa Tunes account, you will be refunded up to an aggregate total of $10.00 (which includes any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your Kasasa Tunes check card that post and settle to your account during the first 60 calendar days after your account is opened. This refund will be credited to your account on the last day of the current statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $10.00 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. $25.00 deposit is required to open the account. 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 and transfers between accounts. “Monthly Qualification Cycle” means a period beginning one (1) Business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: you will earn up to an aggregate total of $5.00 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com, Google Play purchases must be made with your Kasasa Tunes check card and must post and settle to your account no more than 28 days after the Monthly Qualification Cycle in which you qualified ends. (2) you will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM 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 Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded. iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the current statement cycle in which these purchases post and settle to your account and the ATM fees were incurred. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly ACH credit or ACH debit, have at least 15 check card purchases post and settle and enroll in and agree to receive E-statements via online banking, are conditions of these accounts. Limit one (1) account type per individual taxpayer identification number. There are no recurring monthly maintenance charges or fees to open, maintain, or close this account. Contact one of our bank customer service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com Inc.. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com Inc. and Google, Inc. are not participants in or sponsors of this program. Kasasa and Kasasa Tunes are trademarks of Kasasa, Ltd., registered in the U.S.A.

²IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

³Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

*Credit file monitoring from Experian and TransUnion will take several days to begin following activation.