Kasasa Saver is perfect for you if you want:

• Kasasa Cash as your free checking account (whether you already have it or want to open both today)
• Two high-interest accounts (Kasasa Cash and Kasasa Saver) both working hard to help you save
• 0.51% APY* on balances up to $35,000
• 0.51% - 0.32% APY on balances over $35,000 depending on balance in account*
• 0.03% APY* if qualifications are not met on Kasasa Cash
• No minimum balance to earn rewards
• Automatic transfer of Kasasa Cash rewards

*APY = Annual Percentage Yield. Rates effective as of June 18, 2012.

Qualifications:

Every month you qualify for Kasasa Cash rewards, you automatically qualify for the Saver rate too. Simply do the following each monthly qualification cycle:

• Have at least 12 debit card purchases post and settle
• Have at least 1 automatic payment or direct deposit post and settle
• Be enrolled and receive eStatement notice

If you don't qualify during a cycle, don't worry!

There's no penalty for not qualifying in a given monthly qualification cycle and the accounts are still free. Plus you'll still earn a base rate of 0.03% APY* on your Kasasa Cash account which will be automatically deposited into your Kasasa Saver account which will also earn earn a base rate of 0.03% APY*. You can get right back to making 1.01% APY* on your free Kasasa Cash checking account and earning 0.51% APY* on your free Kasasa Saver account plus enjoy ATM fee refunds** the next cycle you qualify.

Disclaimer:

*APY=Annual Percentage Yield. APYs accurate as of 03/28/2013. Rates may change after account is opened. Minimum to open is $100 for Kasasa Cash. 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 $15,000 receive APY of 1.01%; and (3) balances over $15,000 earn 0.25% interest rate on the portion of the balance over $15,000, resulting in 1.01% - 0.35% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.03% 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 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. If qualifications in Kasasa Cash are met each monthly qualification cycle: (1) balances up to $35,000 in Kasasa Saver receive an APY of 0.51%; and (2) balances over $35,000 in Kasasa Saver earn 0.25% interest rate on portion of balance over $35,000, resulting in 0.51% - 0.32% APY depending on the balance. If qualifications are not met on Kasasa Cash, all balances in Kasasa Saver earn 0.03% APY. Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.