^{INSURED BY NCUA}

*APY=Annual Percentage Yield. Kasasa Cash is a free, variable rate, checking account with no minimum balance that rewards account holders with dividends and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account’s Monthly Qualification Cycle. To earn rewards, the following enrollments must be in place and all transactions and activities must post and settle to your account during each Monthly Qualification Cycle: At least 12 PIN-based/signature-based debit card purchases, be enrolled in and have agreed to receive e-statements rather than paper statements. At least 1 monthly direct deposit is required. When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, rewards are: 1) Dividends are earned as followed: a) If your average daily balance is $20,000.00 or less, the dividend rate paid on the entire balance will be 2.472%, with an annual percentage yield (APY*) of 2.500%. b) dividend rate of 0.250% will be paid only on the portion of your average daily balance that is greater than $20,000.00. The annual percentage yield (APY*) for this tier will range from 2.500% to 0.250%, depending on the balance in the account. C) If your Kasasa Cash qualifications are not met, the dividends paid on the entire daily balance will be 0.050% with an annual percentage yield (APY*) of 0.050%. 2) Reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. When account qualifications are not met ATM withdrawal fees are not refunded. Reimbursements and dividends will be credited to your account on the last day of the current statement cycle.

The Kasasa Cash account may be linked to a Kasasa Saver account. See below for details on the Kasasa Saver. If the Kasasa Cash account is linked to a Kasasa Saver account, dividends will automatically transfer from the Kasasa Cash account to the Kasasa Saver account within the first 5 business days of the month. Therefore, dividends will not compound in the Kasasa Cash account. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will be automatically converted to a standalone Kasasa Cash account and only the Kasasa Cash terms.

Membership Required. Federally insured by the NCUA.