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Kasasa Cycle Date Information

*Qualification Information:

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

• At least one direct deposit
• At least 20 PIN-based or signature-based debit card purchases
• Be enrolled in and agree to receive electronic statements

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

• At least 12 PIN-based or signature-based debit card purchases
• Be enrolled in and agree to receive electronic 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, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions and purchases made with debit or credit cards not issued by our bank. 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) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle.

See our website at www.bankwithpioneer.com or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

Depending on what Kasasa account you have, you will receive the following rewards when you meet your account's qualifications during a Monthly Qualification Cycle:

Kasasa Cash Plus: average daily balances up to $10,000 receive an APY of 3.00%; and average daily balances of $10,000 and over earn an interest rate of 1.00% on the portion of the average daily balance of $10,000 and over, resulting in a range from 3.00% to 1.18% APY depending on the account's average daily balance.

Kasasa Cash Back: you will receive 4.00% cash back on up to a total of $200 PIN-based or signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $8 cash back payments may be earned per Monthly Qualification Cycle.

Kasasa Saver Plus: average daily balances up to $50,000 in your Kasasa Saver Plus account earn an APY of 2.00% and average daily balances of $50,000 and over earn an interest rate of 1.00% on the portion of the average daily balance of $50,000 or more, resulting in a range from 2.00% to 1.33% APY depending on the account's average daily balance.

You will receive reimbursements up to an aggregate total of $25 (up to $4.99 per single transaction) for ATM withdrawal fees incurred within your Kasasa Cash Plus or 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. NOTE: ATM fee reimbursements only apply to Kasasa Cash Plus or Kasasa Cash Back transactions via ATM; Kasasa Saver Plus ATM transaction fees are not reimbursed nor refunded.

Depending on your Kasasa account, when your qualifications are not met, cash back payments are not made, ATM withdrawal fees are not reimbursed and:

Kasasa Cash Plus: the entire average daily balance in the Kasasa Cash Plus account earns .05% APY.

Kasasa Saver Plus: the entire average daily balance in the Kasasa Saver Plus account earns .05% APY.

Interest will be credited to your Kasasa Cash Plus and Kasasa Saver Plus accounts on the last day of the current statement cycle.

The cash back payments and ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver Plus account on the last day of the current statement cycle.

If Kasasa Cash Plus or Kasasa Cash Back are linked to Kasasa Saver Plus, the following also apply:

Kasasa Cash Plus: When linked to a Kasasa Saver Plus account, the interest earned within the Kasasa Cash Plus account does not compound since it, along with any ATM withdrawal fee reimbursements are, automatically transferred to the Kasasa Saver Plus account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash Plus account, if the account balance is less than the transferred amount when the transfer occurs.

Kasasa Cash Back: When linked to a Kasasa Saver Plus account, the cash back payments and ATM withdrawal fee reimbursements earned in your Kasasa Cash Back account will be credited to your Kasasa Saver Plus account on the last day of the current statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of 11/14/2024.

APY calculations are based on an assumed balance of $110,000 in your Kasasa Cash Plus account and $150,000 in your Kasasa Saver Plus 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.

Additional Information:

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

Qualifications, rates, rewards, fees, account specifics and restrictions may vary by account.

Kasasa Cash Plus and Kasasa Cash Back have a $1 minimum deposit required to open the account.

Kasasa Saver Plus has a $50 minimum deposit required to open the account.

Annual direct deposit is a condition of Kasasa Cash Back.

Enrollment in online banking, enrollment in and have agreed to receive electronic statements rather than paper statements, and maintaining a valid email address on record with Pioneer Bank are conditions of the Kasasa Cash Plus, Kasasa Cash Back, and Kasasa Saver Plus accounts.

Limit of one checking and savings account per social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

A Kasasa Cash Plus or Kasasa Cash Back account is required to have a Kasasa Saver Plus account.

A linked Kasasa Saver Plus account is required for automatic savings.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our bank service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Member FDIC.

Trademarks:

Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.