*APY = Annual Percentage Yield. **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 First National Bank as ATM, non-retail payment transactions and purchases made debit cards not issued by First National Bank. ”Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: Rewards vary by account. Depending on what Kasasa account you open, you will receive the following rewards when you meet your account’s qualifications during a Monthly Qualification Cycle: Kasasa Cash: Balances up to $10,000.00 earn an interest rate of 1.00% resulting in a APY* of 1.00% and daily balances over $10,000.00 earn an interest rate of .10% on the portion of balance over $10,000.00, resulting in an APY* of .10% depending on the account’s daily balance. Kasasa Cash Back: 1.25% cash back on up to a total of $400.00 PIN Based/Signature based debit card purchases that post and settle to the account during that cycle period. A maximum of $5.00 cash back may be earned per Monthly Qualification Cycle. Kasasa Saver: (linked to a Kasasa Cash or Kasasa Cash Back Account): Balances up to $25,000.00 in your Kasasa Saver Account earn an interest rate of 0.50% resulting in an APY* of 0.50%; and daily balances over $25,000.00 earn an interest rate of .10% on the portion of the daily balance over $25,000.00 resulting in a .10% APY* depending on the accounts daily balance. ATM Fee Refunds: you will receive reimbursements up to $25.00 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented (within thirty (30) calendar days of transaction) for reimbursement of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earn 0.01% APY*; all balances in a Kasasa Saver account earn .01% APY*; cash back payments are not made. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the first day of the next statement cycle. Automatic transfer from Kasasa Cash to Kasasa Saver occurs within one day and may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. When linked to the Kasasa Saver account, the interest earned within the linked Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual interest transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APYs* accurate as of 03/23/2020 Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements and fees may apply. No minimum deposit is required to open the account. eStatements is a condition of these accounts. Limit one (1) account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or a Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our First National Bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.