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Free Kasasa Cash Checking:

*APY=Annual Percentage Yield. APYs accurate as of 6/1/2016. Rates may change after account is opened. Minimum to open is $50 for Kasasa Cash and $100 for Kasasa Saver. A monthly direct deposit or ACH is required to maintain the accounts. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5.00 per single transaction and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.35% interest rate on the portion of the balance over $10,000, resulting in 2.00% - 0.51% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Fees could reduce earnings. 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 fees incurred during the monthly qualification cycle will be reimbursed if qualifications are met during the monthly qualification cycle. ATM fee reimbursements will be credited to your account on the last day of your statement cycle. Domestic ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher. Full disclosure or clarification provided upon request.

**Free Thank You provided at account opening. We reserve the right to substitute an item of similar value. Offer good while supplies last. Free Thank You Gift may be reported on a 1099-INT or 1099-Misc. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

Important Memo regarding your account: The Bank reserves the right for any reason in the Bank's sole discretion, with or without cause, to close any Account without prior notice to any of the Account holders, by payment of the Account balance to one or more of the Account holders. Upon termination of an Account hereunder, the Bank may return unpaid any item presented for payment against the closed Account, without liability to any party.

For any questions regarding this notice or any of our accounts please contact your local branch or the main branch 254-562-3821 or email to [email protected]

Free Kasasa Cash Back Checking:

*Minimum to open is $50. When monthly qualifications are met, you receive 3% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $4.50 per monthly qualification cycle. Qualifying transactions must post to and settle Kasasa Cash Back 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. Contact us for more information about the monthly qualification cycle. Unlimited domestic ATM fees incurred during qualification cycle if qualifications are met within monthly qualification cycle. Monthly direct deposit required to have this account. Limit one account per SSN. Transfers between accounts do not count as qualifying transactions. ATM receipt may be required for reimbursement of an individual ATM fee of $5.00 or higher.

**Free Thank You provided at account opening. We reserve the right to substitute an item of similar value. Offer good while supplies last. Free Thank You Gift may be reported on a 1099-INT or 1099-Misc. Up to $10 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented.

Important Memo regarding your account: The Bank reserves the right for any reason in the Bank's sole discretion, with or without cause, to close any Account without prior notice to any of the Account holders, by payment of the Account balance to one or more of the Account holders. Upon termination of an Account hereunder, the Bank may return unpaid any item presented for payment against the closed Account, without liability to any party.

For any questions regarding this notice or any of our accounts please contact your local branch or the main branch 254-562-3821 or email to [email protected]