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Kasasa Disclosures

MAINSTREET BANK

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® or Kasasa CashBack® account during each Monthly Qualification Cycle: (1) At least once, log-in to online banking; (2) Receive eStatements; and (3) At least a combined total of twelve (12) debit card purchases. 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. To earn promotional interest or rewards in your Kasasa Saver, qualifications must be met in your linked Kasasa Cash® or Kasasa CashBack® account. 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 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. “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 Monthly Cycle dates below.

Reward Information

Kasasa Cash®

When your Kasasa Cash® account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000 in your Kasasa Cash® account earn an interest rate of 0.125% resulting in an Annual Percentage Yield (APY*) of 0.125%; and average daily balances over $15,000 earn an interest rate of 0.125% on the portion of the average daily balance over $15,000 resulting in a range from 0.125% to 0.125% APY depending on your account’s average daily balance. You will also receive reimbursements up to an aggregate total of $12.00 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. When your Kasasa Cash® qualifications are not met, the interest rate earned on the account’s entire average daily balance will be 0.010% resulting in a non-compounding APY of 0.01% and ATM withdrawal fees are not refunded.

Kasasa CashBack®

When your Kasasa CashBack® account qualifications are met during a Monthly Qualification Cycle, you will receive 0.125% APY cash back on PIN or signature based debit card purchases totalling upto $400.00 that post and settle to your Kasasa CashBack® account during that Monthly Qualification Cycle for a maximum reward of $0.50. You will also receive reimbursements up to an aggregate total of $12.00 for nationwide ATM withdrawal fees incurred within your Kasasa CashBack® 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. When your Kasasa CashBack® qualifications are not met, cash back rewards are not paid and ATM withdrawal fees are not refunded.

Kasasa Saver

When your Kasasa Cash® or Kasasa CashBack® account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $15,000 in your Kasasa Saver® account earn an interest rate of 0.125% resulting in an Annual Percentage Yeild (APY*) of 0.125%; and average daily balances over $15,000 earn an interest rate of 0.125% on the portion of the average daily balance over $15,000, resulting in a range from 0.125% to 0.125% APY depending on the account’s average daily balance. When linked to your Kasasa Saver® account, the interest earned within your Kasasa Cash® account does not compound since it is automatically transferred to your Kasasa Saver® account the day after being credited to your Kasasa Cash® account. Your Kasasa Saver® APYs may be less than your Kasasa Cash® APYs. When your Kasasa Cash® or Kasasa CashBack® account qualifications are not met, the interest rate earned on your Kasasa Saver® account’s entire average daily balance will be 0.010% resulting in a non-compounding annual percentage yield of 0.01%.

Cycle Date Information

The following dates apply to your Kasasa Cash® or Kasasa CashBack® account. Our Monthly Qualification Cycle dates are not the same as our Statement Cycle dates. To qualify for your account’s rewards, all the transactions and activities identified within the above Reward Qualification Information section must post and settle to your Kasasa Cash® or Kasasa CashBack® account with these Monthly Qualification Cycle dates.

Monthly Cycle Dates

2021

Statement Cycle

Qualification Cycle

January

12/10 - 01/13

12/09 - 01/12

February

01/14 - 02/10

01/13 - 02/09

March

02/11 - 03/10

02/10 - 03/09

April

03/11 - 04/14

03/10 - 04/13

May

04/15 - 05/12

04/14 - 05/11

June

05/13 - 06/09

05/12 - 06/08

July

06/10 - 07/14

06/09 - 07/13

August

07/15 - 08/11

07/14 - 08/10

September

08/12 - 09/08

08/11 - 09/07

October

09/09 - 10/13

09/08 - 10/12

November

10/14 - 11/10

10/13 - 11/09

December

11/11 - 12/08

11/10 - 12/07

Additional Information

Fees current as of October 17, 2021. Account approval, conditions, qualifications, limits, time frames, enrollments, log-ons and other requirements apply. A $50.00 minimum deposit is required to open the Kasasa Cash® or Kasasa CashBack® account. Enrollment in e-Statements is a condition of these accounts. Limit of one (1) account per Social Security Number (SSN). There are no recurring monthly maintenance charges or fees to open or close this account. 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. MainStreet Bank Member FDIC. APY = Annual Percentage Yield. APYs accurate as of October 17, 2021. Rates, rewards, and bonuses, if any, are variable and may change after account is opened 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. You will automatically qualify for the account’s rewards during your account’s first statement cycle. If the account is closed before rewards are credited, you will forfeit the rewards.

Trademarks

Kasasa Cash® and Kasasa CashBack® are trademarks of BancVue, Ltd., registered in the U.S.A.

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