KASASA DISCLOSURES

Cash

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

• At least 1 direct deposit or ACH credit transaction or ACH payment
• At least 12 debit card purchases *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. “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.Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Enrollment in online banking is a condition 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 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our Exchange Bank of Missouri service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
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• Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $25,000 receive APY of 2.00%; and balances over $25,000 earn .50% interest rate on the portion of balance over $25,000, resulting in a range from 2.00% to .80% APY depending on the account’s balance and (2) you will receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash qualifications are not met, all balances in the account earn .01% APY and ATM fees are not refunded. Interest and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/16/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

Cash Back

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:

• At least 1 direct deposit or ACH credit transaction(s) or ACH payment transaction(s)
• At least 12 debit card purchases *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. “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.Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account.  Enrollment in online banking is a condition 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 1 account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our Exchange Bank of Missouri service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A. 
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• Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 2.00% cash back on up to a total of $300.00 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. You will also receive reimbursements up to $25 ($4.99 per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened.

Kasasa Saver Add On for 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. “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 Back 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 Saver: Balances up to $50,000 receive APY of 1.00%; and balances over $50,000 earn .50% interest rate on the portion of balance over $50,000, resulting in a range from 1.00% to .67% APY depending on the account’s balance. Kasasa Cash Back: 2.00% cash back on up to a total of $300.00 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 Kasasa Cash Back qualifications are not met, Kasasa Saver: All balances earn .01% APY. Kasasa Cash Back: No cash back payments are made. APY = Annual Percentage Yield. APYs accurate as of 10/16/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Receipt of Electronic Statements is a condition 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 1 account per social security number. A KASASA 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 maintenance charges or fees to open or close this account. Contact one of our Exchange Bank of Missouri service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Saver Add On for 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. “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 Saver: Balances up to $50,000 receive APY of 1.00%; and balances over $50,000 earn .50% interest rate on the portion of balance over $50,000, resulting in a range from 1.00% to .67% APY depending on the account’s balance. Kasasa Cash: Balances up to $25,000 receive a non-compounding APY* of 2.00%; and balances over $25,000 earn .50% interest rate on the portion of balance over $25,000, resulting in a non-compounding range from 2.00% to .80% APY* depending on the account’s balance. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn .01% APY. Kasasa Cash: All balances earn a non-compounding APY* of .01%. *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. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 10/16/2017. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Receipt of electronic statements is a condition 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 1 account per social security number. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly maintenance charges or fees to open or close this account. Contact one of our Exchange Bank of Missouri service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Kasasa Protect:

Optional Add On Service:

Exchange Bank of Missouri offers Kasasa Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to your Kasasa Cash®, Cash Back®, or other account. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services (‘opt-in”), (b) charges a separate monthly fee and (c) can be cancelled at any time.

Kasasa Protect: Identity Fraud Protection And Restoration Services:

“Kasasa Protect: Identity Fraud Protection And Restoration Services” collectively includes the following comprehensive services (collectively “Services”):

(1) Credit Services: (a) Reports: an annual credit report from Experian; (b) Scores: a monthly credit score from Experian; and (c) Plotter: a visual twelve (12)-month history of the consumer’s monthly credit scores from Experian.

(2) Monitoring Services: (a) Public Records:  Monitors name, address & Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms & black market web sites for personally identifiable information including social security numbers; phone numbers; email addresses; bank account and routing numbers; credit and debit cards; and medical identification numbers; (c) Credit Bureau: monitors for and will provide an email if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer’s Experian credit file; Credit monitoring occurs only on the credit file associated with the purchasing consumer, and does not monitor, compare or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus.

3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services:  Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft.

Terms & Conditions: Kasasa Protect services are provided by CSID, a part of Experian Information Solutions, Inc. (“Experian”). There are two (2) Kasasa Protect terms and conditions, one governing the program’s Services and the other governing the program’s online portal, which you must agreed to:

(1) Services: Terms & conditions can be retrieved at Exchange Bank of Missouri branch location

(2) Portal: Terms & conditions can be retrieved online by using the following link: https://secure.kasasaprotect.com. (“Portal”)

Fees: Kasasa Protect services are provided for a monthly fee of $12.99, or $7.99 if you are a Kasasa accountholder. Kasasa Protect is available to a secondary accountholder listed on a joint account for an additional monthly fee of $7.99. Fee(s) will be automatically debited from your account on the third (3^rd) of each month. Fee(s) begin on the third (3^rd) of the month following your enrollment date and will end one (1) day after Exchange Bank of Missouri has processed your cancellation request.

Changes & Modifications: Kasasa Protect’s Services, fees, and providers are variable and may change with proper notification from our [bank/credit union] or Kasasa, Ltd. Changes in terms, conditions, services, fees and / or providers, if any, will be posted on the Kasasa Protect site located at https://secure.kasasaprotect.com. We encourage you to refer to this site on a regular basis for Services information.

Requirements: To utilize Kasasa Protect you must: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, and (3) register and maintain your unique email address (joint accountholders must each provide unique email addresses for this service) via the Kasasa Protect online portal.

Enrollment: To receive Kasasa Protect’s Services, you must (1) agree to the Kasasa Protect Services’ Terms & Conditions and (2) establish the Services’ monthly billing and (3) provide an accurate email address. Upon completing these three activities you will be enrolled in the program. (“Enrollment”).  The date upon which these activities are completed will be your enrollment date (“Enrollment Date”).

Verification: Within one (1) business day after Enrollment, Kasasa Protect will provide you with an email that includes a link to https://secure.kasasaprotect.com and your subscriber number. After entering your subscriber number, you must verify your personal information. You agree to provide accurate, current and complete information about yourself. You agree to not misrepresent your identity.  You also agree to maintain and update this information, including your email address on a regular basis to ensure its accuracy. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated. (“Verification”).

Portal Alerts & Notifications: Upon verifying your personal information and agreeing to the terms and conditions associated with the Kasasa Protect portal, you will be able to receive alerts and notifications through the portal. Email notifications will be sent to the email address you maintain at https://secure.kasasaprotect.com. You understand, acknowledge, and agree that in order to receive the full complement of Services, including receiving Services’ alerts and notifications via the Kasasa Protect portal, you must first verify your identity and register and maintain your email address at: https://secure.kasasaprotect.com.

Availability of Services: All items under these three (3) comprehensive services are available to you as identified below.

1. Credit Services: After verification, you will be able to view all items listed under Credit Services, including credit information and alert details via the portal.
2. Monitoring Services: All items listed under Monitoring Services will begin upon Enrollment. Viewing of Monitoring Services alerts is available upon Verification.
3. Restoration Services: All items under Resolution Services are available upon Enrollment.

Cancellation: You may cancel your Services at any time by notifying your financial institution of your decision to cancel.  Written notices should be sent to Exchange Bank of Missouri,  PO Box 69, Fayette, MO 65248. Verbal requests should be directed to 660-248-3388. Cancellations may take one (1) or more business days to process. When cancelling, your then current month’s fee will not be reimbursed or prorated.  The Services’ monthly fee will not be charged for the following month after a cancellation request has been processed by your financial institution.

Closure of Checking Account: Should your checking account be closed by you or Exchange Bank of Missouri, any add-on products / services associated with that account, including Kasasa Protect, will also be terminated at the same time. Your then current month’s account and/or Kasasa Protect fees will not be reimbursed or prorated. The monthly fee(s) will not be charged for the month following termination.

Legal Notices: (1) Federal Notice.  Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. (2) Exchange Bank of Missouri Notice. Exchange Bank of Missouri shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services including any liability for damages, direct or indirect, consequential or incidental. Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. CSID and Experian are registered trademarks of Experian Information Solutions, Inc.

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