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 and credit card purchases processed by merchants and received by our bank / credit union as ATM, PIN-based, signature based transactions, non-retail payment transactions and purchases made debit or credit cards not issued by our bank / credit union. “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: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: balances up to and including $5,000 in your Kasasa Cash account earn a dividend rate of 2.00% resulting in an APY of 2.00%; and balances over $5,000 earn a dividend rate of 0.03% on the portion of balance over $5,000, resulting in a range from 2.00% to 0.03 % APY depending on the account’s balance. Collectively, these dividend rates and the resulting annual percentage yield tier's blended rate are known as the "Kasasa Cash Qualifying Dividend Rate" and the "Kasasa Cash Qualifying Annual Percentage Yield." Kasasa Cash Back: 3.00% cash back on up to a total of $9.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: balances up to and including $5,000 in your Kasasa Saver account earn a dividend rate of 0.50 % resulting in an APY of 0.50% ; and balances over $5,000 earn a dividend rate of 0.03% on the portion of the balance over $5,000 , resulting in a range from 0.50% to 0.03% APY depending on the Kasasa Saver account’s balance. Collectively, these dividend rates and the resulting annual percentage yield tier's blended rate are known as the "Kasasa Saver Qualifying Dividend Rate" and the "Kasasa Saver Qualifying Annual Percentage Yield." Kasasa Tunes: you will earn up to an aggregate total of $ 10 (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 debit card and must post and settle to your account no more than XX days after the Monthly Qualification Cycle in which you qualified ends. ATM Fee Refunds: you will receive reimbursements up to $25 ($5.00 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. 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 account qualifications are not met, no cash back payments are made, iTunes, Amazon.com and Google Play purchases are not refunded, ATM fees are not reimbursed and with the exception of the last business day of the statement cycle and any holiday or days our institution does not process transactions that occur thereafter through the end of the statement cycle (collectively "Cycle End Days"). * When linked to the Kasasa Saver account, the interest/dividends earned within the linked Kasasa Cash account does/ do not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest/dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. Note: Automatic transfer may cause an overdraft to your Kasasa Cash or Kasasa Cash Back account, if the account's balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 05/22/2017. Rates and rewards are variable and may change after account is opened. 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: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in online banking, receipt of electronic statements are conditions of these accounts. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security. 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 credit union service representatives for additional information, details, rate calculations, restrictions, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA . iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Tunes are trademarks of Kasasa Ltd., registered in the U.S.A. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account’s qualifications. Limit 1 account per social security. 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 credit union service representatives for additional information, details, rate calculations, restrictions, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA . iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Amazon.com. Google Play is a registered trademark of Google Inc. Apple Inc., Amazon.com and Google are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver and Kasasa Tunes are trademarks of Kasasa Ltd., registered in the U.S.A.

**Subject to credit approval.