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Kasasa Cash: *Qualification Information: 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 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When your Kasasa Cash 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 current statement cycle: Kasasa Cash: Balances up to $10,000 receive APY* of 2.00%; and balances over $10,000 earn 0.20% interest rate on the portion of balance over $10,000. When Kasasa Cash qualifications are not met, all balances earn 0.01% APY. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. APY = Annual Percentage Yield. APYs accurate as of 10/13/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. $100.00 minimum deposit is required to open the account. Account approval, conditions, qualifications and other requirements apply. Rewards vary based on account. Limit one account per social security number. To qualify for rewards, including the ATM Fee refund, each monthly qualifying cycle, you must have 12 debit card purchases post and settle, log in once to online banking, and agree to receive statements electronically. To sign up for electronic statements and login to online banking, you must enroll at www.harvestbankmn.com. ATM fee refund is capped at $25/monthly qualification cycle and will be refunded at the end of the statement cycle.

Kasasa Cash Back: *Qualification Information: 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 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) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Account approval, conditions, qualifications and other requirements apply. Rewards vary based on account. Limit one account per social security number. To qualify for rewards, including the ATM Fee refund, each monthly qualifying cycle, you must have 12 debit card purchases post and settle, log in once to online banking, and agree to receive statements electronically. To sign up for electronic statements and login to online banking, you must enroll at www.harvestbankmn.com. ATM fee refund is capped at $25/monthly qualification cycle and will be refunded at the end of the statement cycle. 3% will be earned on up to $300 in debit card purchases. A Kasasa Cash or Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Contact one of our bank service representatives for additional information, details, restrictions, processing limitations and enrollment instructions.