Kasasa Cash: *Qualification Information: Account transactions and activities may take one or more days to post and settle to the account. All transactions and activities 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 NSP St Paul Credit Union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by NSP St Paul 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. “Monthly Qualification Cycle” means a period beginning the first calendar day of the current statement cycle through the last calendar day of the current statement cycle. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) balances up to $7,500.00 receive APY of 2.00%; and balances over $7,500.00 earn an interest rate between 2.00%-0.22% APY depending on the account’s balance and (2) you will receive reimbursements (maximum amount per withdrawal of $4.99) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursement of individual ATM withdrawal fees higher than $4.99 within 60 calendar days of the transaction. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received the appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualification are not met, all balances in the account earn 0.05% APY and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 06/01/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account requirements apply. $25.00 minimum deposit is required to open the account. Monthly Direct Deposit or ACH credit, enrollment in online banking, receipt of electronic statements are a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements, and logons) may be required to meet some of the account's qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the USA.

Kasasa Cash Back: *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 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 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. “Monthly Qualification Cycle” means a period beginning the first calendar day of the current statement cycle through the last calendar day of the current statement cycle. Reward Information" When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 3% cash back on up to a total of $200.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $6.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements (maximum of $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawals fees of $5.00 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive3 does not identify the ATM 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 for the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, logons and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly Direct Deposit or ACH credit, enrollment in online banking, and receipt of electronic statements are a condition of this account. Enrollment in electronic services (e.g. online banking, electronic statements and logons may be required to meet some of the account qualifications. Limit 1 account per social security number. There are no recurring monthly service charges or fees to open or close this account. Contact one of our credit union service representatives for additional information, detail, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the USA.