Initial Deposit and Balance

There is no initial deposit or minimum balance required to open these Accounts.

Interest Rate

0.00%

Annual Percentage Yield (“APY”)

0.00%

Fees to Bank

Fees charged for this account by Platform are shown below in the Fee Schedule.

Transaction Limitations

The transaction limitations for your Accounts are set forth in Sections E and F.

Additional Fee Disclosure

As noted above, you are not responsible for paying any fees to Bank for holding these Accounts. You may be responsible for paying fees to the Platform.

Initial Deposit and Balance

There is no initial deposit or minimum balance required to open this Account.

Promotional Interest Rate

2.96%

Promotional Annual Percentage Yield (“APY”)

3.00%

Promotion Period

5 months from opening of account

Interest Rate

1.98%

Annual Percentage Yield (“APY”)

2.00%

Fees to Bank

Fees charged for this account by the Platform are shown below in the Fee Schedule.

Transaction Limitations

The transaction limitations for your Accounts are set forth in Sections E and F.

Additional Fee Disclosure

As noted above, you are not responsible for paying any fees to Bank for holding this Account. You may be responsible for paying fees to the Platform.