¹ Sesame Cash is a prepaid debit card issued by Community Federal Savings Bank (CFSB). Building credit with Sesame Cash requires you to also open a virtual secured credit card with CFSB that is reported to the credit bureaus. Use money from your Sesame Cash account to create a virtual secured credit card. Your debit card purchases are then added up to create a balance on your virtual secured credit card. As you make these purchases, an amount equal to the balance on your virtual secured credit card is also set aside in your Sesame Cash account to ensure you can make timely payments to pay off the balance on your virtual secured credit card at the end of each month, allowing you to build a positive payment history. Credit Sesame does not guarantee credit score improvement. Any predicted credit improvement from the use of your virtual secured credit card assumes that you will maintain healthy credit habits, including paying bills on time, keeping credit balances low, avoiding unnecessary inquiries, appropriate financial planning, and more.

² Sesame Cash fees include a $9.99 monthly fee ("Monthly Fee") and a $3 monthly inactivity fee ("Inactivity Fee"). However, we may waive these fees as follows: To qualify for the waiver of the Monthly Fee, you must either deposit $500 into your Sesame Cash account through direct deposit or spend $1,000 each month with your Sesame Cash account. Spending can be satisfied either through point of sale transactions or by using your Sesame Cash card to pay your bills. To qualify for the waiver of the Inactivity Fee, there must be money movement or a purchase made with your Sesame Cash account at least once within a 30-day rolling period. As a courtesy, we will not charge you the Monthly Fee or the Inactivity Fee within the first 30 days of account opening. Review the Sesame Cash Cardholder Agreement for the full fee schedule and additional details. International and out-of-network cash withdrawal fees apply. Third-party and cash deposit fees may also apply.

³ Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.