FREE KASASA TUNES CHECKING

* Kasasa Tunes®

This disclosure contains the rules that govern your deposit account. This Kasasa Tunes® Disclosure must be read with the Philadelphia Federal Credit Union ("PFCU") Agreements and Disclosures, a copy of which has been provided to you.

Account Overview

Kasasa Tunes is a free variable rewards checking account with no minimum balance that rewards members with reimbursements on iTunes, Amazon.com and Google Play purchases and nationwide ATM fee refunds when they  meet  minimum  qualifications  during the  account's Monthly Qualification Cycle.

Sign Up Bonus

You will be refunded up to an aggregate total of $15 (which includes any applicable taxes) for iTunes, Amazon.com, Google Play purchases, made with your PFCU debit card that post and settle to your account during the first 60 calendar days after your account is opened.   Transactions may take one or more business days from the date the transaction occurred to post and settle to the account. This refund will be credited to your account on the last day of the current Statement Cycle in which your aggregate iTunes, Amazon.com, Google Play purchase threshold of $15 posts and settles to your account. Any portion of the Sign Up Bonus that is not used within the stated time period will be forfeited. Limit 1 Kasasa Tunes Sign Up Bonus per Kasasa account.

Purpose & Use Expectation

This account is intended to be the member's primary checking account in which 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.

PFCU reserves the right to determine if the account is being maintained for the purpose other than day-to-day, primary use. Members who persist in making debit card and transactions in a calculated and limited fashion in order to meet their monthly qualifications may have their accounts converted to a  different  checking/share  draft account or closed  altogether.

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 items 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 PFCU check for the remaining balance, if applicable, will be mailed to the member at the address indicated on our current records. Upon termination of your Kasasa Tunes account, any optional add-on products/services associated with this account will also be terminated at the same time.

Qualifications

To earn your rewards, just do the following transactions and activities in your Kasasa Tunes account during each Monthly Qualification Cycle:

1. Have at least 12 PIN-based/signature-based debit card purchases;
2. Be enrolled in and agree to receive e-Statements; and
3. Be enrolled in and log into online banking.  Minimum of (1) login per month.

Transactions must post and settle to the account during each Monthly Qualification Cycle and may take (1) or more business days from the date the transaction or activity occurred to post and settle to the account.

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 PFCU as ATM  transactions.

"Business Day" means a calendar day other than a Saturday or a Sunday, and public holidays or observed public holidays.

"Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current Statement Cycle through  (1) day prior to the close of the current  Statement   Cycle.

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

Rewards

When Kasasa Tunes qualifications are met during a Monthly Qualification Cycle: (1) you will earn up to an aggregate total of $10 (which includes any applicable taxes) in refunds for any iTunes, Amazon.com or Google Play purchases. In order to be refunded, iTunes, Amazon.com and Google Play purchases must be made with your PFCU debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified, ends. In addition, you will receive reimbursements up to $10 for nationwide ATM fees incurred within your Kasasa Tunes account during the Monthly Qualification Cycle in which you qualified. ATM receipt must be presented within sixty (60) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. iTunes, Amazon.com, Google Play refunds and ATM fee reimbursements will be credited to your account on the last day of the current Statement Cycle in which these purchases post and settle to your account and the ATM fees were incurred. When Kasasa Tunes qualifications are not met, iTunes, Amazon.com, Google Play purchases and ATM fees are not refunded.

Reward Administration

On the last day of each Statement Cycle in which you qualify, we establish a refund of up to $10.00 for your account. Each credit is valid for up to 30 calendar days.  If the account is closed, you will forfeit     any refunds that you have not been credited to your account. Rates and rewards are variable and at our discretion may change after the account is opened without notice to you. Fees may reduce earnings. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional information

This account is not to be used for commercial purposes and there is a limit of (1) account per primary social security number/individual tax identification number. There are no fees to open or close this account.

There are no recurring monthly service charges associated with this account. See accompanying schedule of member fees and charges for fees that may apply to this account. Contact a Philadelphia Federal Credit Union member service representative for additional information, details and enrollment instructions.  Kasasa Tunes is a trademark of BancVue, Ltd., registered in the U.S.A. iTunes is a registered trademark of Apple, Inc.

Amazon.com is a registered trademark of Amazon.com. Google Play is a registered trademark of Google, Inc. Apple Inc., Amazon.com and Google, Inc. are not participants in or sponsors of this program. Federally Insured by NCUA.