Free Kasasa Saver

*KASASA SAVER® TIS Addendum

We appreciate your decision to open a savings account with North Bay Credit Union. This schedule sets forth certain conditions, rates, fees, and charges that are specific to your account. Each accountholder agrees to the terms set forth on this Deposit Account Rate and Fee Schedule, and acknowledges that it is a part of the Account Agreement. Subject to applicable law and the terms of the Account Agreement, we may amend the rates, fees and charges contained in this schedule from time to time.

Account Overview: Kasasa Saver is a free, variable rate, deposit account with no minimum balance requirement that rewards accountholders with interest when they meet the minimum qualifications associated with their linked Kasasa Cash or Kasasa Cash Back checking account during each Monthly Qualification Cycle.

Qualification Requirements: You must have a Kasasa Cash or Kasasa Cash Back account in order to open a Kasasa Saver account, and the Kasasa Cash or Kasasa Cash Back account must remain open throughout the period that you hold the Kasasa Saver account. In the event that you or we close your Kasasa Cash or Kasasa Cash Back account, we reserve the right to close your Kasasa Saver account as well. All Kasasa Saver accounts must be linked to a Kasasa Cash or Kasasa Cash Back account. To qualify for the Kasasa Saver rates rewards, you must meet the qualification requirements each "Monthly Qualification Cycle" as defined in your Kasasa Cash or Kasasa Cash Back disclosure on your linked Kasasa Cash or your Kasasa Cash Back account. We have the right to close this account at any time, with proper notice.

Rewards:

When Kasasa Cash Account or Kasasa Cash Back Account Requirements Are Not Met:

• The interest rate on your savings account and corresponding annual percentage yield (APY) for all balances will be 0.05%.
• ATM fees are not refunded.

When Kasasa Cash Account or Kasasa Cash Back Account Requirements Are Met:

• Interest Rate Information/Tier 1: If your daily balance is less than $10,000.01, the interest rate for that portion of your balance in your account will be 0.499% and 0.50% APY.
• Interest Rate Information/Tier 2: If your daily balance is greater than $10,000.00, the interest rate and APY for that portion over $10,000.00 will be 0.23%.

Variable Interest Rate Information: The interest rate and annual percentage yield for your account may change.

Compounding and Crediting: Interest will be compounded daily and credited to your account monthly on the last business day of the month. If you close your account before the interest is credited, you will not receive the accrued interest.

Balance Computation Method: We use the average daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the collected balance in the account each day. We will use an interest accrual basis of 365 for each day in the year. The average daily balance is calculated by adding the collected balance in the account for each day of the period and dividing that figure by the number of days in the period.

Accrual on Non-Cash Deposits: Interest begins to accrue on the business day you deposit cash or non-cash items (e.g. checks) to your account if deposited before close of business day.

Minimum Balance to Receive Rewards: There is no minimum balance to receive the account's rewards.

Limitations: The maximum number of withdrawals you may make is six (6) within a calendar month. If you exceed the transfer/withdrawal limitations in any calendar month, your account will be subject to the fee stated on the Fee Schedule. No more than six (6) online, telephone, or debit card withdrawals or transfers may be done in any calendar month. If an account holder exceeds, or attempts to exceed, these transfer or withdrawal limits, the excess transfer requests may be refused or reversed.

Interest Earnings/ATM Fee Refunds: If you're linked account is Kasasa Cash: Interest on your Kasasa Saver account will be credited to your Kasasa Saver account on the last business day of the month. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last business day of the month. If your linked account is Kasasa Cash Back: Interest on your Kasasa Saver will be credited on the last business day of the month. Cash back payments and ATM fee reimbursements from your Kasasa Cash Back account are credited to your Kasasa Cash Back account on the last business day of the month.

Miscellaneous Fees and Charges: Please see North Bay Credit Union Product and Service Fee Schedule.

Member NCUA

Kasasa and Kasasa Saver is a trademark of BancVue, Ltd. Registered in the USA.