Kasasa Cash Changes

Dear Valued Customer:

Please note some important upcoming changes affecting your Kasasa Cash Checking account.

Effective with your new statement cycle beginning 11/3/2009, the following changes will be made:

• On balances from $0.01 to $50,000 the new interest rate will be 3.45% APR / 3.50% APY
• On balances over $50,000, the new interest rate will be 0.50% APR / 0.50% APY

Effective with your new statement cycle beginning 12/2/2009, the following changes will be made:

Rate Tiers

• On balances from $0.01 to $35,000 the interest rate will be 3.45% APR / 3.50% APY (as long as qualifications are met each statement cycle)
• On balances over $35,000 the interest rate will be 0.50% APR / 0.50% APY (as long as qualifications are met each statement cycle)

Maximum Number of accounts

• You will only be permitted to have one Kasasa Cash Checking account on which you are listed as the primary owner.
• If you currently have more than one Kasasa Cash Checking account on which you are listed as the primary owner, please contact us to designate which account you would like the balances from the other Kasasa Cash Checking accounts consolidated into.

We welcome the opportunity to answer any questions that you may have on these or any of our other products and services. Please feel free to call us at 1-800-982-4511.