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Kasasa Cash Disclosure:

Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must be posted and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

• At least a combined total of 12 debit card purchases

• Be enrolled in and log into online banking

• Be enrolled in and have agreed to receive e-statements rather than paper statements

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 in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. 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.

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000 in your Kasasa Cash account earn a dividend rate of 2.47180% resulting in a non-compounding APY of 2.50%; and daily balances over $10,000 earn a dividend rate of 0.24971% on the portion of the daily balance over $10,000, resulting in a non-compounding range from 0.45% to 2.50% APY depending on the account’s daily balance. 4 In addition, daily balances up to and including $50,000 in your Kasasa Saver account earn a dividend rate of 1.24290% resulting in an APY of 1.25; and daily balances over $50,000 earn a dividend rate of 0.24971% on the portion of the daily balance over $50,000, resulting in a range from 0.58 to 1.25 APY depending on the Kasasa Saver account’s daily balance. You will receive reimbursements up to an aggregate total of $25 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, Kasasa Cash Back, or Kasasa Tunes transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.04999% resulting in a non-compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.04999% resulting in an annual percentage yield of 0.05%. Dividends will be credited to your Kasasa Cash and Kasasa Saver account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $5 minimum deposit is required to open the account. $5 minimum deposit is required to open the account. Maximum ATM fee refund of $4.99, $25 total ATM fee refund per month. Monthly enrollment in online banking, eStatements are condition(s)] of this account(s). See accompanying Fee Schedule for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to 5 meet some of the account’s qualifications. Limit of 1 account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. 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. A Kasasa Cash account is required to have a Kasasa Saver account. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to the associated standalone Kasasa Cash account and that account’s terms and conditions articulated within their specific disclosure will apply. A linked Kasasa Saver account is required for automatic savings.

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Kasasa Cash Back Disclosure:

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 in order to qualify for the account’s rewards. “Monthly Qualification Cycle” means the statement cycle preceding the current statement cycle.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period. A maximum of $6 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back 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. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first processing day of the following statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our Member Experience Specialists for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. MMFCU reserves the right to disqualify a small dollar debit transaction that appears to be made solely for the purpose of qualifying for the rewards. Federally insured by NCUA. Your Savings Insured To $250,000 Per Account. Additional insurance through MSIC. Deposits insured in full. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.