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Kasasa Cash Checking:

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 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 bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the last business day of the current statement cycle.

"Business Day" means a calendar day other than a Saturday or a Sunday, excluding Federal Reserve holidays or other days that the banks are legally closed.

"Statement Cycle" means the period for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Reward Information:

*When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000.00 in your Kasasa Cash account earn an interest rate of 1.05% resulting in an APY of 1.06%; and daily balances over $25,000.00 earn an interest rate of 0.15% on the portion of the daily balance over $25,000.00, resulting in a range from 1.06% to 0.33% APY depending on the account's daily balance.

*When Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, you will receive reimbursements up to an aggregate total of $30.00 ($3.00 per transaction) for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. 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 transactions via ATM; Kasasa Cash Saver ATM transaction fees are not reimbursed nor refunded.

When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle.

Interest and Nationwide ATM withdrawal fee reimbursements will be automatically transferred to your Kasasa Cash Saver account on the first day of the next statement cycle.

*APY = Annual Percentage Yield.

APY is accurate as of 05/13/2025.

APY calculations are based on an assumed balance of $25,000.00 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 an account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

$100.00 minimum deposit to open.

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 a Personal Banker at (618) 997-4341 for more information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

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

2025 Kasasa Calendar

InControl Checking:

*A service charge fee of $2.00 will be imposed every statement cycle if the eStatement OR debit card transaction requirement is not met. You must either enroll in eStatements OR have 6 qualified debit card transactions post and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. "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. Transfers between accounts do not count as qualifying transactions. The monthly qualification cycle is not the same as your monthly statement cycle. Contact a Personal Banker for more information about the monthly qualification cycle. ATM transactions do not count towards qualifying debit card transactions.

**ATM fee refunds each statement cycle up to $30 ($3 per transaction) with enrollment of eStatements and 6 qualified debit card transactions.