Kasasa Saver

Qualifications Information: Account transactions and activities may take one or more banking 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 Farmers State Bank as ATM or transactions and purchases made with non-Farmers State Bank issued debit cards. "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 close of the current statement cycle.

Reward Information: When your Cash Rewards or Cash Back Rewards account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the statement cycle:

-  Saver Rewards: Balances will be .4989%, with an annual percentage yield of .50%

-  Cash Rewards: Balances up to $15,000 receive APY* of 4.00%; and balances over $15,000 earn 0.2497% interest rate on the portion of balance over $15,000, resulting in a range from 0.74% to 4.00% APY* depending on the account's balance.

-  Cash Back Rewards : 2.00% cash back on up to a total of $300.00 point of sale 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.

When Cash Rewards and Cash Back Rewards qualifications are not met,

- Cash Rewards : All balances earn 0.05% APY*.

- Cash Back Rewards : No cash back payments are made.

When linked to the Saver Rewards account, the interest earned within the Cash Rewards account does not compound since it is automatically transferred to the Saver Rewards account the day after being credited to your Cash Rewards account. Consequently, when linked to Saver Rewards, and your Cash Rewards qualifications are met, balances up to $15,000 in your Cash Rewards account receive a non-compounding APY* of 4.00%; and balances over $15,000 earn 0.2497% interest rate on the portion of the balance over $15,000, resulting in a non-compounding range from 0.74% to 4.00% APY* depending on the account's balance.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $50.00 minimum deposit is required to open the account. Monthly enrollment in online banking, receipt of electronic statements are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements,) and log-ons may be required to meet some of the account's qualifications. Limit one account per social security number. A Cash Rewards or Cash Back Rewards account is required to have a Saver Rewards account. A linked Saver Rewards account is required for automatic savings. Contact a Farmers State Bank service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC.