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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. 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 institution as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our institution. 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) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. See our website at https://www.frsb.net or contact one of our customer service representatives for specific Monthly Qualification Cycle and Statement Cycle dates.

Reward Information:

When Kasasa Cash - Multi Level account qualifications are met during a Monthly Qualification Cycle, you will receive:

• Kasasa Cash – Principal Rewards: daily balances up to and including $15,000 in your Kasasa Cash – Multi Level account earn an interest rate of 1.00% resulting in an APY of 1.00%; and daily balances over $15,000 earn an interest rate of 0.25% on the portion of the daily balance over $15,000, resulting in a range from 1.00% to 0.35% APY depending on the account's daily balance.

or

• Kasasa Cash – Enhanced Rewards: daily balances up to and including $15,000 in your Kasasa Cash – Multi Level account earn an interest rate of 2.47% resulting in an APY of 2.50%; and daily balances over $15,000 earn an interest rate of 0.25% on the portion of the daily balance over $15,000, resulting in a range from 2.50% to 0.54% APY depending on the account's daily balance.

and

• ATM Rewards: You will also receive reimbursements 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. International ATM’s are excluded.

When your Kasasa Cash – Multi Level account qualifications are not met, ATM withdrawal fees are not refunded and the entire daily balance in the Kasasa Cash – Multi Level account earns an interest rate of 0.03% resulting in an annual percentage yield of 0.03% APY.

Interest and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash – Multi Level account on the last day of the current statement cycle.

APY = Annual Percentage Yield. APY accurate as of 12/26/2023. APY calculations are based on an assumed balance of $115,000 in your Kasasa Cash – Multi Level account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change 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. Fees may reduce earnings. If the account is closed before rewards are credited, you will forfeit the rewards.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $100 minimum deposit is required to open Kasasa Cash-Multi Level account, unless converting an existing account. 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 meet some of the account's qualifications. A valid email address must also be provided. Limit of one (1) account per social security number. Accounts available to residents of our primary market areas of Crawford County, Illinois, Knox County, Indiana, and their adjoining counties. There are no recurring monthly maintenance charges or fees to open the account. Certain transactions and service fees may apply. Refer to our Fee Schedule for more information. 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. Contact one of our customer service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates, and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash - Multi Level are trademarks of Kasasa, Ltd., registered in the U.S.A.