• Checking

A long time ago, somebody discovered that carrying around all your money with you all the time was impractical and inconvenient, and checking was born. These days you have plenty of choices where you keep your checking account, but other institutions can't offer you the commitment to service and dedication to community that you get with Magnolia.

Free checking that pays you money, and pays the charity of your choice money.

Kasasa Giving is a free, high-interest checking account that helps you make charitable giving a part of every day. Here's how it works: You earn 3.01% APY* and nationwide ATM fee refunds*. That's for you. Then, for every qualified debit card transaction* you make, we'll pay 3¢ forward to your choice of the following charities:

• Stand Up To Cancer
• Boys & Girls Clubs of America
• American Humane Association
• Credit Unions for Kids (benefiting the Blaire E. Batson Hospital for Children in Jackson, Mississippi)

Think about it. The more you use your debit card, the more you help the cause. Multiply that by all the people who choose to pay it forward with their Kasasa Giving account and you can see how big the impact will be. Kasasa Giving. Do you Kasasa?

Summary

Kasasa Giving is perfect for you if you want:

• To make a difference for a cause you care about
• 3.01% APY* on balances up to $10,000 when qualifications are met
• 0.51% APY* on amount of balance over $10,000 when qualifications are met
• 0.10% APY* if qualifications are not met
• Magnolia to make charity contributions each time you use your debit card*
• No minimum balance requirements to earn rewards
• Nationwide ATM fee refunds (up to $25 per monthly qualification cycle)
• Free online banking

*Qualified debit card transactions are all signature-based debit card purchases over $19.99.

To earn 3.01% APY* and ATM fee refunds, and to generate charity contributions by using your debit card, just do the following each monthly qualification cycle:

• Have at least 10 signature-based debit card purchases post and clear
• Have at least one automatic payment or direct deposit post and clear
• Receive and review e‐statements
• Access online banking

If you miss a monthly qualification cycle, don't worry!

You still enjoy free checking and there's no penalty for not qualifying in a given cycle. Plus, you sill earn a base 0.10%APY.* You can get right back to growing your earnings to 3.01%APY* and generating the charity contributions the next cycle you qualify.

* APY=Annual Percentage Yield. Minimum to open account is $1.00. Annual Percentage Yield (APY) accurate as of 01/01/12. Rates may change after the account is opened. Fees may reduce earnings. Rate tiers are as follows: 3.01% APY applies to balances of $0.00 - $10,000.00 and 0.51% APY applies to balances over $10,000 if qualifications are met during the monthly qualification cycle. 0.10% applies to all balances if monthly qualifications are not met. All balances will earn 0.51% APY to 3.01% APY if monthly qualifications are met. Charitable contributions made on all signature-based debit card purchases over $19.99 posted and cleared during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra-bank transfers do not count as qualifying transactions. ATM fee reimbursements up to $25 provided for checking account withdrawals only if qualifications are met within the monthly qualification cycle. PIN based transactions do not count toward qualifying debit card purchases. Limit one account per household (SSN). Commercial accounts may not participate in this program.