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Freedom Rewards Checking: *APY = Annual Percentage Yield. APY effective 10/22/18. 2.00% APY paid on daily balances upto $10,000.00 each cycle the minimum requirements are met. An interest rate of 0.25% will be earned for the daily balance in excess of $10,000.00, which will result in an APY between 0.41% and 2.00%. If you do not meet the requirements per qualification cycle, your account will still function as a free checking account earning 0.03% APY without ATM fee refunds. Freedom Rewards Checking is a variable rate checking account, and is therefore subject to rate change at any time without notice after the account is opened. Paper Statement Fee $3.00. Fees may reduce earnings. Minimum account opening deposit of $25.00. The monthly qualification cycle begins on the last day of the previous statement cycle and ends on the last business day before the next statement cycle ends. ATM transactions do not count as debit card transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction, which covers most nationwide ATM transaction fees and surcharges. Maximum ATM fee refund $20.00 per cycle. One per primary tax ID number. Only available as a personal account.

**ATM owner/operator fees may apply.