_{To qualify for monthly rewards you must meet the applicable minimum qualification requirements for the monthly qualification cycle.}

_{To meet the minimum qualification requirements, you must:}

_{1) make 12 Debit card purchases that post and settle to your account;}

_{2) have an ACH credit or direct deposit; AND}

_{3) be enrolled to receive e-statements.}

_{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 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 a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.}

_{“Banking Day” means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing.}

_{“Business Day” means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25}

_{falls on a Sunday, the next Monday is not a Business Day.}

_{“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account.}

_{Reward Information:}

_{When Kasasa Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on up to $300 in 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.}

_{You will receive reimbursements up to an aggregate total of $10.00 (max) for nationwide ATM (ATMs we do not own or operate) withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. Kasasa Cash Back Checking and ATM refunds will be paid on the last business day of the month. 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash Back Checking.}

_{When your Kasasa Cash Back Checking account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back Checking account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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.}

_{Additional Information:}

_{Credit Union Membership eligibility and credit qualifications apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.}

_{$1.00 minimum deposit is required to open the account.}

_{Enrollment in electronic services (e.g. online banking, e-statements) and log-ons will be required to meet some of the account’s qualifications.}

_{One Kasasa Cash Back Checking account is allowed per social security number.}

_{Only one pairing per social security number is allowed. In other words, only one Kasasa Checking account and one Kasasa Saver account per social security number is allowed.}

_{There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.}

_{Advertised information and rewards are based on all account qualifications being met during each cycle period.}

_{Contact Member Services (800) 849-8431 or one of our branch service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.}

_{Trademarks: Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.}