Free Kasasa Cash Checking: *APY=Annual Percentage Yield. APYs accurate as of 02/08/2016. Rates may change after account is opened. Fees may reduce earnings. Minimum to open is $100 for Kasasa Cash and $100 for Kasasa Saver. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000.99 receive APY of 2.02%; and (3) portion of balance over $10,000.99 will earn 0.15% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.10% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding interest. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. ATM receipt must be presented for reimbursement of an individual ATM fee of $10.00 or higher. ATM transactions and transfers between accounts do not count as qualifying transactions. Direct Deposits include payroll, Social Security, and other government benefits, and tax refunds. Limit one account per Social Security Number (SSN).

Free Kasasa Tunes Checking: *The minimum to open account is $50. You will be refunded up to $9.90 for iTunes® and/or Amazon. com® purchases that post to and settle to the account during the first 45 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $4.95 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $10.00 or higher. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. Limit one account per Social Security Number (SSN). iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program.