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Effective: July 23, 2024   Minimum Opening Balance Interest Rate¹ Annual Percentage Yield(APY)¹ Minimum Daily Average Balance to Earn Interest Kasasa Cash Checking² $100 $0 $0 – $10,000.00 2.50% 2.54% $10,000.01 Plus 0.35% 2.54% – 0.57% All balances if qualifications are not met 0.01% 0.01% Kasasa Cash Back $100 N/A N/A $0 Highland Checking $100

Effective: July 23, 2024 Minimum Opening Balance Interest Rate¹ Annual Percentage Yield¹ Minimum Daily Available Balance to Earn Interest Compounding and Crediting of Interest Premier Money Market Savings $10,000 $0 $0 – $9,999.99 1.35% 1.36% Monthly $10,000 – $24,999.99 1.55% 1.56% Monthly $25,000 – $49,999.99 1.60% 1.61% Monthly $50,000 – $99,999.99 1.75% 1.76% Monthly $100,000

Highland Bank’s Financial Calculators feature slider-based controls and infographic results. With the interactive user interface, you can explore topics in greater depth and with a higher level of engagement.

Mobile Wallet offers an easy way to pay without pulling your debit card out of your wallet. It’s our goal to give you convenient access to your money whenever and however you need it.

Highland Bank’s Mobile Deposit makes banking more convenient than ever! Enjoy the ease and efficiency of depositing your checks right from your smart phone.

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Wire Annual Certification In accordance with federal banking regulation guidance, when the level of risk warrants, the bank should perform an on-site customer visit, or have the customer do a self-assessment. The following questions are to determine if minimum controls are in place. Notwithstanding anything contained herein, and except as otherwise provided for in any

IT Annual Certification In accordance with federal banking regulation guidance, when the level of risk warrants, the bank should perform an on-site customer visit, or have the customer do a self-assessment. The following questions are to determine if minimum controls are in place. Notwithstanding anything contained herein, and except as otherwise provided for in any

Bill Pay Annual Certification In accordance with federal banking regulation guidance, when the level of risk warrants, the bank should perform an on-site customer visit, or have the customer do a self-assessment. The following questions are to determine if minimum controls are in place. Notwithstanding anything contained herein, and except as otherwise provided for in

ACH Annual Certification In accordance with federal banking regulation guidance, when the level of risk warrants, the bank should perform an on-site customer visit, or have the customer do a self-assessment. The following questions are to determine if minimum controls are in place. Notwithstanding anything contained herein, and except as otherwise provided for in any