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Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during the Monthly Qualification Cycle: At least 1 direct deposit, ACH credit, or ACH payment transaction(s), At least 12 (PIN-based / signature-based) debit card purchases, Login to online or mobile banking at once per month. 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 processed by merchants and received by our bank as ATM transactions, PIN-based, signature based 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. Please contact one of our branch service representatives at 817-596-9998 for specific Monthly Qualification Cycle dates. "Banking Day" means any day on which an office of the bank is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. "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, 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, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Please contact one of our branch service representatives 817-596-9998 for specific Statement Cycle dates.

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 2.47% resulting in an APY of 2.50%; 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 range from 2.50% to 1.00% APY depending on the 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 .05% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account 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. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $50,000 + $100,000 in your Kasasa Cash 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, at our discretion. 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. You will automatically qualify for the account's rewards during your account's first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A 25.00 minimum deposit is required to open the account. Receiving monthly eStatements is a condition this account(s). See accompanying schedule of fees for fees that may apply to this 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 to earn your rewards. See “Qualification Information”. Limit of one (1) account(s) per Social Security 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. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A. This account provides $800.00 overdraft privilege which will become effective after thirty (30) days of account opening. Non-sufficient funds fees of $30.00 per item will assessed for each item created by check, in-person withdrawal, or other electronic means which overdraws the account. Deposits sufficient to clear the overdraft balance of the account are to be made within ten (10) days of initial overdraft. Please reference the enclosed Overdraft Privilege Policy for further details. Limitations: You must deposit $25.00 to open this account. Member FDIC.

Trademarks:
Experian is a registered trademark of Experian Information Solutions, Inc. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Protect and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.