Kasasa Saver

Summary

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Easy automatic savings fueled by your free Kasasa Cash account

Kasasa Saver is a free, high-interest saver account linked to your free Kasasa Cash checking account (they work together). So the 2.51% APY* you make on your checking and ATM fee refunds are automatically deposited into your free Kasasa Saver account every month. But that's not all. Your Saver account also piles 1.01% APY* on top of that; so you can sit back, relax and watch your savings grow. Kasasa Saver. Do you Kasasa?

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
• Nationwide ATM free refunds (automatically deposited into your Saver account)

To easily grow your savings with 2.51% APY* from Kasasa Cash & 1.01% APY* from Kasasa Saver do the following each monthly qualification cycle**:

• Just qualify in Kasasa Cash!
• Have at least 12 debit card purchases post and clear
• Have at least one direct deposit or ACH auto debit post and clear
• Receive eStatements

If you miss a month, don't worry!

There's no penalty for not qualifying in a given month and the accounts are still free. Plus you'll still earn a base rate of 0.10% APY* on your checking which will be automatically deposited into your Saver account which will still earn a base 0.10%APY*. You can get right back to making 2.51% APY* on your free checking account, 1.01% APY* on your free saver account and enjoying ATM fee refunds the next month you qualify.

We're making it easier to save, all across South Louisiana. Start earning high-interest and saving, today!

* Annual Percentage Yield (APY) accurate as of 7/21/11. Minimum to open Kasasa Cash account is $100 and $1 for Kasasa Saver. Kasasa Cash rate tiers are as follows: 2.51% APY applies to balances of $0.00 - $20,000.00 and 0.50% APY applies to balances over $20,000.00 if qualifications are met during the monthly qualification cycle**. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 2.51% APY – 0.50% APY if qualifications are met. The advertised Kasasa Cash APY is based on compounding interest. The interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle and does not compound. The actual interest paid could be less than the advertised APY. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. Qualifying transactions must post and clear the Kasasa Cash Account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. Unlimited nationwide ATM Fee reimbursements (checking account only) provided only if qualifications are met within the monthly qualification cycle. Requirements per qualification cycle: 1) 12 Debit Card transactions (excluding ATM transactions) post and clear, 2) one direct deposit or ACH auto debit post and clear, and 3) receive electronic statements. Kasasa Saver rate tiers are as follows: 1.01% APY applies to balances of $0.00 - $20,000.00 and 0.50% APY applies to balances over $20,000.00 if qualifications are met during the monthly qualification cycle on Kasasa Cash account. 0.10% APY applies to all balances if qualifications are not met on Kasasa Cash account. All balances will earn 1.01% APY – 0.50% APY if qualifications are met on Kasasa Cash. Rates may change after the account is opened. Fees may reduce earnings. Other conditions may apply.

** Qualification cycle means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle.