Kasasa Saver

Kasasa Saver Earns:

• 1.51% APY* on balances up to $25,000 when you qualify
• 0.25% APY on balances over $25,000 when you qualify
• 0.05% APY on all balances when you do not qualify

Kasasa Saver is perfect for you if you:

• Choose Kasasa Cash as your free checking account (whether you already have it or want to open both today)
• Want two high-interest accounts (Kasasa Cash and Kasasa Saver) both working hard to help you save
• No minimum balance to earn rewards
• Nationwide ATM fee refunds (automatically deposited into your Saver account)

To easily grow your savings with interest from Kasasa Cash & 1.51% APY* from Kasasa Saver do the following each monthly qualification cycle:

• Have at least 10 debit card purchases post and clear
• Have one Automatic Payment or Direct Deposit post and clear
• Receive e-statements
• Access e-Banking at least once

If you miss a monthly qualification cycle, don't worry!

There's no penalty for not qualifying and the accounts are still free. Plus you'll still earn a base rate of 0.05% APY* on your checking which will be automatically deposited into your Saver account which will still earn a base 0.05% APY*. You can get right back to making massive interest on your free checking account, 1.51% APY* on your free saver account and enjoying ATM fee refunds the next monthly qualification cycle you qualify.

Qualifications Dates 2011: (Your monthly qualifications must be met by this day in order to receive your rewards.)

Qualification End Dates 2011

• January 10, 2011
• February 9, 2011
• March 9, 2011
• April 11, 2011
• May 9, 2011
• June 9, 2011
• July 11, 2011
• August 9, 2011
• September 9, 2011
• October 11, 2011
• November 9, 2011
• December 9, 2011

Statement Cycle End Dates 2011

• January 11, 2011
• February 10, 2011
• March 10, 2011
• April 12, 2011
• May 10, 2011
• June 10, 2011
• July 12, 2011
• August 10, 2011
• September 12, 2011
• October 12, 2011
• November 10, 2011
• December 12, 2011

*Minimum to open account is $50 for Kasasa Cash and $50 for Kasasa Saver. Annual Percentage Yield (APY) accurate as of 1/14/11. Kasasa Cash rate tiers are as follows: 3.51% APY applies to balances of $.01 - $10,000 and 0.25% APY applies to balances over $10,000 as long as qualifications are met each statement cycle. 0.05% APY applies to all balances if qualifications are not met. All balances will earn 3.51% - 0.25% as long as qualifications are met. The Kasasa Cash APY is based on compounding interest. The interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle, whether the qualifications are met or not; therefore the interest in Kasasa Cash does not compound when transferred. The actual interest amount paid could be less than the advertised APY. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. Kasasa Saver account rate tiers are as follows: 1.51% APY applies to balances of $.01 - $25,000 and 0.25% APY applies to balances over $25,000 as long as qualifications are met each statement cycle on Kasasa Cash account. 0.05% APY applies to all balances if qualifications are not met on Kasasa Cash. All Kasasa Saver balances will earn 1.51% - 0.25% as long as qualifications are met. Qualifying purchases/transactions must post and clear the Kasasa Cash account during the monthly qualification cycle. Purchases/transactions may take one or more business days from the purchase/transaction date to post to an account from the date the purchase/transaction is made. ACH transaction must be a third-party initiated, recurring payment posted and cleared in the Kasasa Cash account per monthly qualification cycle. Intra-bank transfers do not count as qualifying transactions. . If the account remains at a zero balance for more than five business days, it will automatically close. Rates may change after account is opened. Fees may reduce earnings. ATM Fee refunds (Kasasa Cash account only) up to $12.50, up to $5.00 per fee provided only if qualifications are met within monthly qualification cycle. For additional fees that may affect this account, see the Standard Fee Schedule disclosed separately.