Bonus Information: As a bonus to individuals who open and fund a new Kasasa Tunes account, our credit union will refund up to an aggregate total of $ 20.00 (which includes any applicable taxes) for any iTunes, Amazon.com or Google Play purchases made with your Kasasa Tunes debit card that post and settle to the account within the first 60 calendar days after your account is opened.

This refund will be credited to your account on the first processing day of the following statement cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $20.00 posts and settles to your account.

Any portion of this bonus that is not used within the stated time period will be forfeited.

No minimum balance is required to obtain this bonus. No minimum deposit is required to open the account.

Limit 1 account(s) per SSN and one account opening bonus per account per calendar year.

If your Kasasa Cash, Kasasa Cash Back, Kasasa Saver or Kasasa Tunes account is closed within 6 months of account opening, we will deduct the account opening bonus at closing.

Account opening bonus will not be paid if accountholder switches into a Kasasa Cash, Kasasa Cash Back, Kasasa Saver or Kasasa Tunes account from another account that offered an account opening incentive to open the initial account.

Annual Percentage Yield (APY) varies by account, account balance and if qualifications are met. See Reward Information Section below for account APY information.

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 card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. 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 the current statement cycle.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Cash: average daily balances up to and including $5,000 receive an APY of 2.00%; and average daily balances over $5,000 earn a dividend rate of .25% on the portion of the average daily balance over $5,000, resulting in a range from2.00% to .33% APY depending on the account's average daily balance.

Kasasa Cash Back: you will receive 3.00% cash back on up to a total of $300.00 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Tunes: you will receive up to an aggregate total of $10.00 (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 debit [or credit] card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, iTunes, Amazon.com or Google Play purchases are not reimbursed and:

Kasasa Cash: the entire average daily balance in the Kasasa Cash account earns .05% APY.

Dividends will be credited to your Kasasa Cash and Kasasa Saver accounts on the first processing day of the following statement cycle.

If Kasasa Cash or Kasasa Cash Back are linked to Kasasa Saver, the following also apply:

Kasasa Cash: When linked to a Kasasa Saver account, the dividends earned within the Kasasa Cash account do not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver account, the cash back payments earned in your Kasasa Cash Back account will be credited to your Kasasa Saver account on the first processing day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 08/01/2018.

APY calculations are based on an assumed balance of $5,000 + $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. 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.

Monthly eStatement are a conditions of Kasasa Saver's linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account(s).

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of Kasasa Saver's linked Kasasa Cash, Kasasa Cash Back or Kasasa Tunes account's qualifications.

Limit of 1 account(s) per SSN.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash, Kasasa Cash Back or Kasasa Tunes 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, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA, your Savings Insured To at least $250,000 and backed by the full faith and credit of the United States Government.

Trademarks:

iTunes is a registered trademark of Apple, Inc. Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program.

Experian is a registered trademark of Experian Information Solutions, Inc.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, Kasasa Tunes and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A.

Membership restrictions may apply. Kasasa Protect is an optional, separate, add-on, fee-based offering that provides identity theft, fraud protection and breach resolution assistance through CSID, an independent third-party. Kasasa Protect requires your (a) explicit authorization ("opt-in"), (b) enrollment in and (c) activation of Services. Monitoring and resolution services begin upon enrollment and credit services begun upon authentication of your identity (collectively "Services"). Services will end within five (5) days of a cancellation request being processed by our credit union. Kasasa Protect is provided for a separate monthly fee of $12.99, or $7.99 if you are a Kasasa accountholder. Services fees will be automatically debited from your checking account on the third (3rd) of each month and will begin the month following your enrollment. Fees will end one (1) day after our bank processes your cancellation request. The current month's fee will not be reimbursed or prorated upon cancellation. Fees, services and providers are variable and may change, with proper notification, after enrollment. Terms and conditions as well as full enrollment, activation, authentication and cancellation instructions can be retrieved at one of bank's branch locations or online by entering this url into your browser: secure.kasasaprotect.com.

Federal Notice: Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. Credit Union Notice: Our credit union shall not have any liability for the accuracy of the information contained in the credit reports provided through these services including any liability for damages, direct or indirect, consequential or incidental. Kasasa Protect does not include the ability to place or release credit freezes on your credit report since the credit bureaus, in accordance with the Economic Growth, Regulatory Relief and Consumer Protection Act, are to provide these capabilities for free after September 1, 2018.

Kasasa Protect is a trademark of Kasasa, Ltd., registered in the U.S.A.

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