Kasasa Cash^®

Last, but not least:

*Annual Percentage Yield ("APY") is valid as of 03/01/2023 and is subject to change without notice.

¹This account is a tiered rate account. If your average daily balance is $15,000.00 or below and your Kasasa Cash Checking Account meets all the Minimum Service Requirements during the Monthly Qualification Cycle, the first dividend rate and annual percentage yield listed for this account on the Rate Schedule will apply for the dividend period. If your average daily balance is greater than $15,000.00 and your Kasasa Cash Checking Account meets all the Minimum Service Requirements during the Monthly Qualification Cycle, the second dividend rate and annual percentage yield listed on the Rate Schedule for this account will apply for the dividend period. Each dividend rate and annual percentage yield will apply only to that portion of the account balance within each balance range. If you meet all the Minimum Service Requirements during the Monthly Qualification Cycle then domestic ATM fees, up to a maximum of $25.00, will be refunded during the first week of the next Monthly Qualification Cycle. Dividends earned and ATM fees refunded on the Kasasa Cash Checking Account will automatically be transferred to the Kasasa Saver Share Account, if available, during the first week of the next Monthly Qualification Cycle. If you do not meet all the Minimum Service Requirements during the Monthly Qualification Cycle, the third dividend rate and annual percentage yield as listed on the Rate Schedule will apply to the entire balance in your Kasasa Cash Checking Account. Transfers between accounts do not count as qualifying transactions.

KASASA SAVER® SAVINGS ACCOUNT: This account is a tiered rate account and is available only to holders of a Kasasa Cash Checking Account. The dividend rate and annual percentage yield for this account listed on the Rate Schedule will apply. Each dividend rate and annual percentage yield will apply only to that portion of the account balance within each balance range. If your Kasasa Cash Checking Account does not meet all the Minimum Service Requirements during the Monthly Qualification Cycle, the third dividend rate and annual percentage yield listed on the Rate Schedule will apply to the entire balance in your Kasasa Saver Savings Account.

MINIMUM SERVICE REQUIREMENTS: The Minimum Service Requirements that apply to your Kasasa Cash Checking Account are as follows: 1) make 12 debit card point-of-sale purchases of $5.00 or greater that are posted to your Kasasa Cash Checking Account during the Monthly Qualification Cycle; 2) have one direct deposit or an electronic transfer credit or debit that is processed through the ACH network post to your Kasasa Cash Checking Account during the Monthly Qualification Cycle; and 3) receive your monthly Spero statements electronically (e-statements).

ACCOUNT LIMITATIONS: Kasasa Saver Savings Accounts are limited to no more than six (6) transactions per month. If you exceed these limitations, your account may be closed, and you will be assessed a fee as outlined in the Fee Schedule. The Kasasa Saver Savings Account and Kasasa Cash Checking Account are limited to one each per primary account holder’s social security number and are not available on Commercial or Business Accounts.

REMOVAL FROM KASASA PROGRAM: Accounts that do not meet the Minimum Service Requirements during the Monthly Qualification Cycle for a period of six consecutive months will no longer qualify for a Kasasa account and the account(s) will be converted as follows: Kasasa Saver Savings Account will convert to a Secondary Share account; Kasasa Cash Checking will convert to a Simply Checking Account, which is assessed a monthly service fee as outlined on the Fee Schedule. Upon removal from the Kasasa program, you will not be eligible for a Kasasa account in the future; however, an exception may be made at the discretion of the branch manager.

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