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*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, [PIN-based, signature based] debit card purchases less than [$XX.XX], credit card purchases less than [$XX.XX], debit [and credit] card purchases processed by merchants and received by our [bank / credit union] as ATM transactions, [PIN-based, signature based] transactions, non-retail payment transactions, and purchases made with 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: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to [$XX,000] receive APY of [X.XX]%; and balances over [$XX,000] earn [X.XX]% interest rate on the portion of balance over [$XX,000], resulting in a range from [X.XX]% to [X.XX]% APY depending on the account’s balance and (2) you will receive reimbursements up to [$XX] ($X.XX per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented [within sixty (60) calendar days of transaction] for reimbursements of individual ATM fees of [$X.XX] or higher. When Kasasa Cash qualifications are not met, all balances in the account earn [X.XX%] APY and ATM fees are not refunded. [Interest / dividends] and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of [XX/XX/20XX]. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. [No /[$XX] minimum deposit is required to open the account. Monthly [Direct Deposit/ACH credit], [enrollment in online banking], [receipt of electronic statements] [is /are /may be] a condition(s) of [this/these] accounts. Enrollment in electronic services (e.g. online banking, electronic statements, [Kasasa 360] and log-ons may be required to meet some of the account’s qualifications. Limit [X] account(s) per [social security number / individual taxpayer identification number / household]. There are [no] recurring monthly maintenance charges or fees to open or close this account. Contact one of our [bank / credit union] service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. [Member FDIC / Federally insured by NCUA]. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.