Information to keep in mind

1. The quoted Yield Pledge^® Online Savings Account Annual Percentage Yields (APYs) are accurate as of 10/02/2023. This is a variable rate account. Except as described below for accounts eligible for the 1-year introductory APY, the ongoing APY of 4.75% applies and may change without notice. The required minimum opening deposit is $0. Fees may reduce earnings.

   For first-time Yield Pledge Online Savings account holders, balances up to $250,000 will receive a fixed, 1-year introductory APY of at least 5.15%, and balances of $250,000.01 and up will receive a blended APY ranging from 5.15% to 4.75%, which is based on the fixed, 1-year introductory APY applicable to balances up to $250,000 and the variable ongoing APY described above. For accounts eligible for the 1-year introductory APY, if the ongoing APY exceeds the quoted 1-year introductory APY, the account will earn the higher, ongoing APY. Former Basic Savings account holders are not eligible for the introductory APY.

2. The quoted EverBank CD Annual Percentage Yields (APYs) are accurate as of 10/02/2023. APY assumes interest remains on deposit until maturity. These APYs are applicable to all CD principal balances. The required minimum opening deposit is $1,000. Early withdrawal penalties apply. Fees may reduce earnings.

3. The quoted Yield Pledge^® Checking Account Annual Percentage Yields (APYs) are accurate as of 10/02/2023. This is a tiered, variable rate account and the APYs and balance tiers may change without notice. The variable APY applicable to the account each day is determined by the ending daily collected balance as follows: 0.25% for $100,000 and up; 0.25% for $50,000 - $99,999.99; 0.25% for $25,000 - $49,999.99; 0.25% for $10,000 - $24,999.99; and 0.25% for balances under $10,000. The required minimum opening deposit is $100. Fees may reduce earnings.

4. We promise that the yield on your Yield Pledge^® Checking, Money Market and/or Online Savings Account will stay in the Top 5% of Competitive Accounts based on the Bankrate Monitor National Index survey data from the last week of each month. "Competitive Accounts" are similar accounts from the 10 largest banks and thrifts in 10 large U.S. banking markets. This includes data from the 5 largest banks and 5 largest thrifts in each market for which rates are available, except in markets without 5 banks and 5 thrifts. Each week Bankrate surveys these institutions and distributes its results to certain institutions on a paid-for basis. Not all institutions report each week. We reserve the right to change, at any time and without prior notice to you, our Yield Pledge calculation method as necessary to accommodate changes in Bankrate's survey and/or its distribution methodology, including, without limitation, by switching to a different, comparable methodology that may not be based on information from Bankrate.

5. CDARS has an overall funding limit per depositor of $50 million. This overall funding limit includes all deposits placed in the CDARS product through any IntraFi network bank. This means that if you currently have a CDARS CD with another member bank, the amount of FDIC insurance coverage available to you via the network when opening a CDARS CD with us will be reduced by the amount you already have placed through the CDARS CD you have with the other bank.

6. The quoted CDARS^® CD Annual Percentage Yields (APYs) are accurate as of 10/02/2023 and assume that interest remains on deposit until maturity. APYs may change prior to account opening. The following funding limits apply per depositor, per CD term, per week, up to an overall funding limit through CDARS of $50 million: CD terms of 3 months are limited to $10M per week. CD terms of 6 months are limited to $10M per week. CD terms of 1 year are limited to $10M per week. CD terms of 2 years are limited to $1M per week. CD terms of 3 years are limited to $0.5M per week. Early withdrawal penalties apply. Fees may reduce earnings. A minimum deposit of $10,000 is required to open the CD. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with us. This agreement contains important information and conditions regarding the placement of funds by us. CDARS CDs are not funded and opened ("Placed") immediately. Deposits above single institution FDIC insurance limits will not benefit from higher insurance protection until the deposit is Placed. The date your funds are received sets the earliest time your deposit can be Placed. CDARS CDs are Placed each week on Thursdays or the first Business Day thereafter. See the CDARS Deposit Placement Agreement for details. CDARS is a registered service mark of IntraFi Network LLC.

7. We do not charge ATM fees and will automatically reimburse you up to $15 for the ATM fees paid at other U.S. ATMs each month, regardless of your account balances with us. For your bank accounts with us that carry a minimum average daily balance of $5,000, ATM fee reimbursement is unlimited. Reimbursement is subject to termination for fraud or abuse and will not apply for the month in which your account is closed. You may also use your bank debit card at Allpoint and MoneyPass ATMs nationwide without incurring a fee. Allpoint is a registered trademark of ATM NATIONAL, LLC. MoneyPass and the MoneyPass logo are registered trademarks of U.S. Bank National Association, doing business as Elan Financial Services.

8. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

9. National Average APY information as of 09/28/2023, as tracked in Bankrate.com's National Average survey. National Average APYs and terms and conditions can change at any time.

10. Source: Curinos LLC as of 09/28/2023. Competitor APY information is obtained from public sources; accuracy and completeness cannot be guaranteed. Competitor data may vary by region and is subject to change at any time. Curinos is not liable for reliance on the data.

11. The quoted Yield Pledge^® Money Market Account Annual Percentage Yields (APYs) are accurate as of 10/02/2023. This is a tiered, variable rate account. Except as described below for accounts eligible for the 1-year introductory APY, the ongoing APYs and balance tiers apply and may change without notice and the variable ongoing APY applicable to the account each day is determined by the ending daily collected balance as follows: 4.30% for $100,000 and up; 4.05% for $50,000 - $99,999.99; 3.75% for $25,000 - $49,999.99; 3.75% for $10,000 - $24,999.99; and 3.75% for balances under $10,000. The required minimum opening deposit is $0. Fees may reduce earnings.

    For first-time Yield Pledge Money Market account holders, balances up to $250,000 will receive a fixed, 1-year introductory APY of at least 4.75%, and balances of $250,000.01 and up will receive a blended APY ranging from 4.75% to 4.30%, which is based on the fixed, 1-year introductory APY applicable to balances up to $250,000 and the applicable variable ongoing APY described above. For accounts eligible for the 1-year introductory APY, if the ongoing APY exceeds the quoted 1-year introductory APY, the account will earn the higher, ongoing APY.

12. Our Web Safety Guarantee provides 100% protection for any funds lost due to unauthorized Online Use or an EverBank mistake. Online Use means any service which is used to initiate monetary transactions using our online banking platform, Online Bill Pay and Mobile Banking. Mobile Banking includes banking from web-enabled phones and other mobile devices. EverBank mistakes are limited to errors made solely by EverBank, and do not include those caused partly or entirely by (a) inaccurate or incomplete information provided by you, (b) your misuse of our services or systems, or (c) your failure to comply with all terms of our agreements with you. For more information about your responsibilities, please see the Online Banking Service Agreement and the Web Safety Guarantee sections in the Account Terms, Disclosures and Agreements Booklet.

13. From Kiplinger's Personal Finance. ©2023 The Kiplinger Washington Editors. All rights reserved. Used under license.