Disclosures Table of Content - Devon Bank

Disclosures Table of Content Free Checking Passport Savings ? Personal Tiered Now ? Personal Tiered Personal MMA 2018 Higher Current Checking Kasasa Cash Kasasa Cash with Kasasa Saver Service Charge & Fee Schedule Deposit Account Agreement and Disclosure Regulation E (Electronic Funds Transfer Agreement And Disclosures) Regulation CC (Expedited Funds Availability Act) Substitute Check Policy Disclosure Privacy Notice

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PRODUCTS DISCLOSURES: CHECKING, NOW, MMA, SAVINGS & KASASA PRODUCTS

The Devon Bank Product disclosure provides information relating to the Bank's product offerings. If you have any questions regarding anyof these products including current rate information, please contact Devon Bank at (773)465-2500. (The RATES stated in this disclosure are subject to

change without notice).

Interest Rates and Annual Percentage Yields are current as of 03-01-2021.

FREE CHECKING

This is a non-interest bearing checking account for customers. The account combines unlimited check writing with no minimum daily balance requirement. Monthly statements are sent with an image copy of cancelled checks.

Limitations: You must deposit $100.00 to open this account.

PASSPORT SAVINGS - PERSONAL

Rate Information: This Account is an interest bearing account. If the daily balance is more than $99.99, but less than $5,000.00, the interest rate

paid on the entire balance in the account will be 0.05% with an annual percentage yield of 0.05%. If the daily balance is more than $4,999.99, but less than $25,000.00, the interest rate paid on the entire balance in the account will be 0.10% with an annual percentage yield of 0.10%. If the daily balance is more than $24,999.99 the interest rate paid on the entire balance in the account will be 0.15% with an annual percentage yield of 0.15%.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

TIERED NOW - PERSONAL

Rate Information: This Account is an interest bearing account. If the daily balance is less than $5,000.00, the interest rate paid on the entire

balance in the account will be 0.05% with an annual percentage yield of 0.05%. If the daily balance is more than $4,999.99, but less than $25,000.00, the interest rate paid on the entire balance in the account will be 0.07% with an annual percentage yield of 0.07%. If the daily balance is more than $24,999.99 the interest rate paid on the entire balance in the account will be 0.10% with an annual percentage yield of 0.10%.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account.

Account Fees: Your account will be assessed a $12.00 monthly fee if the daily balance should ever fall below $1,000 at any time during the

statement cycle. If the daily balance should fall below $750.00 the service charge will be $20.00 and a charge of $.25 for each check processed

during the statement cycle.

.

TIERED PERSONAL MMA 2018

Rate Information: This Account is an interest bearing account. If the daily balance is less than $25,000.00, the interest rate paid on the entire

balance in the account will be 0.10% with an annual percentage yield of 0.10%. If the daily balance is more than $24,999.99 the interest rate paid on the entire balance in the account will be 0.15% with an annual percentage yield of 0.15%.

The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account any time. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited, you will not receive the accrued interest.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $2,500.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

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Account Fees: Your account will be assessed a $15.00 monthly fee if the daily balance should ever fall below $2,500.00 at any time during the statement cycle. If the daily balance should fall below $1,500.00 the service charge will be $20.00. Excessive transfers or withdrawals will be charged $20.00 each.

Member FDIC

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Higher Current Checking

The account combines unlimited check writing with no minimum daily balance requirement, online banking service, debit MasterCard, mobile app with mobile capture along with free first check order (Devon Bank style checks only, must be ordered through Devon Bank).

A minimum opening deposit of $100.00 is required. Monthly statements are sent with an image copy of cancelled checks. This is a noninterest bearing checking account for customers. A $6.00 monthly fee will be assessed to your Higher Current checking account. Some of the benefits provided with your Higher Current Account require registration and activation (refer to the membership kit provided by Devon Bank for more details).

You may cancel your account and benefits at any time by notifying Devon Bank of your decision in writing.

Miscellaneous Fees: Refer to the Devon Bank Service Charge & Fee Schedule for additional services charges and/or fees that may be charged to your account when applicable.

Download our mobile app available in the Google and Apple Stores.

Member FDIC / Equal Housing Lender

IDPROTECT? ? identity theft monitoring and resolution service for you, your joint account owners, and eligible family members1

Up to $10,000 Identity Theft Expense Reimbursement Coverage2 ? to cover expenses associated with restoring your identity. Fully Managed Identity Theft Resolution Services ? access to a dedicated fraud specialist assigned to manage your case

who will work with you until your identity is restored Identity Theft Recovery Case Plan - to inform you of the recovery process Credit File Monitoring3 ? daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and

TransUnion credit reports. (registration/activation required) Identity Monitoring ? Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit

header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified. (registration/activation required) Credit Report and Score4 ? access to triple bureau credit report and single bureau credit score (registration/activation required) Debit and Credit Card Registration - Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. (registration/activation required) Online Identity Theft News Center and valuable phone and web resources (registration/activation required)

Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance2,5 ? Receive up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)

Cellular Telephone Protection2 ? Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. (Cellular telephone bill must be paid using eligible account.)

Debit Advantage? ? Buyer's Protection2 and Extended Warranty2 - Buyer's Protection covers items for 90 days from the date of purchase against accidental breakage, fire, or theft. Extended Warranty extends the U.S. manufacturer's original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with this account for coverage.)

Travel and Leisure Discounts? Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their mobile device. Digital access makes saving super easy and convenient, giving instant savings anywhere, anytime. (registration/activation required; available online only)

Health Discount Savings ? Enjoy savings on vision, prescriptions and dental services. This is NOT insurance. (registration/activation required)

$hopping RewardsTM ? Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back will be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it's that easy! (registration/activation required; available online only)

Disclosures: 1 Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. 2 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance. 3 Credit file monitoring may take several days to begin following activation. 4 Credit Score is a VantageScore 3.0 based on single bureau credit data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness. 5 If you wish to name a beneficiary, please complete a beneficiary form. If there is no designated beneficiary on file, benefits will be paid according to the Master Policy. As an eligible account holder with a participating financial institution, you and your joint account holders, and family members, if applicable, are enrolled as members of the Econocheck Association, of which your financial institution is a sponsor. Certain Benefits, including insurance coverage, take effect on the date you enrolled in your eligible account and will end the earliest of: (1) the first of the month after the month in which your eligible account fees, if applicable, were last paid, (2) termination of your eligible account, or (3) termination of the applicable policy. As a member, you may be entitled to be represented at the annual meeting of Econocheck Association. For questions regarding claims or your coverage, or for more information, you may contact us at or 866-210-0361.

Insurance Products are not insured by the FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

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KASASA CASH TIS DISCLOSURE

Truth In Savings Disclosure

This disclosure contains the rules that govern your deposit account as of June 1st 2019. Interest rate effective 03/01/2021.

Account Overview: Kasasa Cash: A free variable rate checking account with no minimum balance that rewards accountholders with interest and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.

Purpose and Expected Use of Account

This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.

Devon Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Devon Bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash account, any optional add-on products / services associated with this account will also be terminated at the same time.

Interest Rate & Annual Percentage Yield (APY)

Compounding & Crediting:

Interest will be compounded on a monthly basis. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest. Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

"Business Day" means a calendar day other than a Saturday, Sunday and any Federal Holiday. "Statement Cycle" means the period of time for which Devon Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Balance Computation Method:

We use the daily balance method to calculate the interest in your Kasasa Cash account. This method applies a periodic rate to the principal in the account each day for the period. The period we use is the Statement Cycle.

Interest Rate & Annual Percentage Yield:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle daily balances up to and including $10,000.00 in your Kasasa Cash account earn an interest rate of 2.4718% resulting in an APY of 2.50%; and daily balances over $10,000.00 earn an interest rate of .2497% on the portion of the daily balance over $10,000.00, resulting in a range from .45% to 2.50% APY depending on the account's daily balance.

When Kasasa Cash qualifications are not met, ATM withdrawal fees are not refunded and the interest rate earned on the entire daily balance in the account will be .0499% resulting in an APY of .05%;

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 account during each Monthly Qualification Cycle:

- At least 1 direct deposit or ACH credit transaction(s)

- At least 12 PIN-based / signature-based debit card purchases each $3.00 or more

- Be enrolled in and have agreed to receive e-statements rather than paper statements

For clarity, in order to count as a qualifying transaction for the purpose of earning the account's rewards PIN-based / signature-based debit card purchases must be at least $3.00

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, PIN/signature-based debit card purchases less than $3.00 each, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit or credit 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) 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.

"Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

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KASASA CASH TIS DISCLOSURE (Continued)

Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000.00 in your Kasasa Cash account earn an interest rate of 2.4718% resulting in an APY of 2.50%; and daily balances over $10,000.00 earn an interest rate of .2497% on the portion of the daily balance over $10,000.00, resulting in a range from .45% to 2.50% APY depending on the account's daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be .0499% resulting in an annual percentage yield of .05% and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $10,000.00 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Interest rates, rewards, and bonuses, if any, are variable and may change at our discretion 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. Fees may reduce earnings. 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. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the account. Monthly Direct Deposit/ACH credit, enrollment in online banking, eStatement are a condition(s)] of this account(s). See accompanying schedule of Consumer Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per household. Kasasa Cash is available only to Illinois residents. 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. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Devon Bank (773)465-2500.

M . ember FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A

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KASASA CASH WITH KASASA SAVER TIS DISCLOSURE

Truth In Savings Disclosure

This disclosure contains the rules that govern your deposit account as of June 1st 2019. Interest rate effective 03/01/2021.

Account Overview:

Kasasa Cash: A free variable rate checking account with no minimum balance that rewards accountholders with interest and nationwide ATM withdrawal fee refunds when they meet minimum qualifications during the account's Monthly Qualification Cycle.

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

Purpose and Expected Use of Account

This account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled.

Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards.

Devon Bank reserves the right to determine if the account is being maintained for a purpose other than day-to-day, primary use. Accountholders who persist in making debit card transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a different checking account or closed altogether. We also reserve the right to convert the account to a different checking account if the account does not have consistent active use over 3 consecutive Statement Cycles.

We have the right to close this account at any time, with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Devon Bank check for the remaining balance, if applicable, will be mailed to accountholder at the address indicated on our current records. Upon termination of your Kasasa Cash with Kasasa Saver account, any optional add-on products / services associated with this account will also be terminated at the same time.

If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to a standalone Kasasa Cash account and only the Kasasa Cash terms and conditions articulated within this disclosure will apply.

Interest Rate & Annual Percentage Yield (APY)

Compounding & Crediting:

Interest will be compounded on a monthly basis. Interest will be credited to your Kasasa Cash with Kasasa Saver account on the last day of the current statement cycle. If you close your account before the interest is credited, you will not receive the accrued interest. Interest begin(s) to accrue on the business day you deposit noncash items (for example, checks).

"Business Day" means a calendar day other than a Saturday, Sunday and any Federal Holiday. "Statement Cycle" means the period of time for which Devon Bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account.

Balance Computation Method:

We use the daily balance method to calculate the interest in your Kasasa Cash with Kasasa Saver account. This method applies a periodic rate to the principal in the account each day for the period. The period we use is the Statement Cycle.

Interest Rate & Annual Percentage Yield:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle:

Kasasa Cash: daily balances up to and including $10,000.00 in your Kasasa Cash account earn an interest rate of 2.4718% resulting in a non-compounding APY* of 2.50%; and daily balances over $10,000.00 earn an interest rate of .2497% on the portion of the daily balance over $10,000.00, resulting in a non-compounding range from .45% to 2.50% APY depending on the account's daily balance.

Kasasa Saver: daily balances up to and including $50,000.00 in your Kasasa Saver account earn an interest rate of .8467% and an APY of .85% and daily balances over $50,000.00 earn an interest rate of .2497% on the portion of the daily balance over $50,000.00, resulting in a range from .45% to .85% APY depending on the account's daily balance.

When your Kasasa Cash account qualifications are not met during a Monthly Qualification Cycle:

Kasasa Cash: ATM withdrawal fees are not refunded and the entire daily balance in the account earns an interest rate of .0499% resulting in a non-compounding annual percentage yield of .05%.

Kasasa Saver: the entire daily balance in the Kasasa Saver account earns an interest rate of .0499% resulting in an annual percentage yield of .05%.

* Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one day. Note: 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.

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 account during each Monthly Qualification Cycle:

- At least 1 direct deposit or ACH credit transaction(s)

- At least a combined total of 12 PIN-based / signature-based debit card purchases each $3.00 or more.

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KASASA CASH WITH KASASA SAVER TIS DISCLOSURE (Continued)

- Be enrolled in and have agreed to receive e-statements rather than paper statements For clarity, in order to count as a qualifying transaction for the purpose of earning the account's rewards PIN-based / signature-based debit card purchases must be at least $3.00. 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, PIN-based / signature-based debit card purchases less than $3.00, PIN-based, signature based 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) 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. "Statement Cycle" means the period of time for which our bank provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Reward Information:

When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $10,000.00 in your Kasasa Cash account earn an interest rate of 2.4718% resulting in a non-compounding APY of 2.50%; and daily balances over $10,000.00 earn an interest rate of .2497% on the portion of the daily balance over $10,000.00, resulting in a noncompounding range from .45% to 2.50% APY depending on the account's daily balance. In addition, daily balances up to and including $50,000.00 in your Kasasa Saver account earn an interest rate of .8467% resulting in an APY of .85%; and daily balances over $50,000.00 earn an interest rate of .2497% on the portion of the daily balance over $50,000.00, resulting in a range from .45% to 0.85% APY depending on the Kasasa Saver account's daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be .0499% resulting in a non-compounding annual percentage yield of .05% and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of .0499% resulting in an annual percentage yield of .05%. Interest will be credited to your Kasasa Cash and Kasasa Saver account on the last day of the current statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APY calculations are based on an assumed balance of $10,000.00 + $100,000 in your Kasasa Cash account and $50,000.00 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Interest rates, rewards, and bonuses, if any, are variable and may change at our discretion 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. Fees may reduce earnings. 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. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25.00 minimum deposit is required to open the Kasasa Cash account. No Minimum deposit is required to open the Kasasa Saver account. Monthly Direct Deposit/ACH credit, eStatement is a condition(s)] of these account(s). See accompanying schedule of Consumer Fees and Charges for fees that may apply to this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of 1 account(s) per household. Kasasa Cash with Kasasa Saver is available only to Illinois residents. 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. A Kasasa Cash account is required to have a Kasasa Saver account. If, for whatever reason the Kasasa Saver portion of your account is closed, your account will automatically be converted to the associated standalone Kasasa Cash account and that account's terms and conditions articulated within their specific disclosure will apply. A linked Kasasa Saver account is required for automatic savings. Account Limitations: If Kasasa Saver Is Established As A Savings Account: Transfers or withdrawals from a Kasasa Saver account to (a) another account of the same depositor at our institution or to (b) a third party or an account of the same depositor at another bank, if made by preauthorized transfer, automatic transfer, telephone, fax or internet banking service and (c) transfers or withdrawals to a third party or to an account of the depositor to another account at another bank made by check, draft, debit card are limited to an aggregate total of six (6) per calendar month. There is no limit to the number of transfers or withdrawals from your Kasasa Saver account to repay loans at our institution or are made in person, by mail, by messenger or at an ATM. These transactions are considered made on the date the transaction posts and settles to your account, not the date the withdrawal request was initiated. Contact one of our bank service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Devon Bank (773)465-2500.

M . ember FDIC. Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A

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