*APY = Annual Percentage Yield. Deposit Interest Rates effective as of 04/23/2019 and APYs accurate as of this date. Fees may reduce earnings. This is a variable rate account and the rate and APY may change at any time. Interest rates are set at the discretion of earn.bank. We compound interest daily and credit interest monthly. Interest is accrued daily and is posted monthly in the Bank’s nightly processing order. We use the daily balance method to calculate the interest on your account.The daily rate is 1/365-or in a leap year, we may use 1/366-of the interest rate. For interest bearing money market accounts, this method applies a daily rate to the collected balance in the account each day. The rate we pay on some accounts depends on the tier into which the balance in your account falls following nightly processing. Rate tiers are updated the next business day following nightly processing. A tier is a range of account balances. We may change the tiers that apply to an account at any time without notice. Different tiers may apply to different types of accounts. Different rates may apply to different tiers. Interest accrues and compounds daily and is credited monthly. On Money Market Accounts funds from items deposited other than cash or checks drawn on earn. bank begin to accrue interest on the business day that the Bank receives credit for the items. Cash and funds from items drawn on earn.bank begin to accrue interest on the business date of deposit. If the account is closed before interest is credited, you will not receive the accrued interest. Federal regulation and our deposit account agreement limit you to six withdrawals and/or transfers from your money market account each statement cycle by preauthorized transfer, telephone/PC transfers from your Money Market Account (telephone transfers include instructions received by facsimile or data transmission) and online banking transfers from your Money Market Account. For additional information on product terms, refer to the Deposit Agreement and Regulatory Disclosures Booklet Terms and Conditions and Disclosure of Products.

 **APY = Annual Percentage Yield. Rates effective as of 04/23/2019 and APYs accurate as of this date. Interest rates are set at the discretion of earn.bank. Fees may reduce earnings. Early withdrawal penalties may apply. All time deposits earn interest at a fixed rate. Fixed rate means that the interest rate in effect on the day that we open your time deposit remains fixed throughout the term of your time deposit. Your funds earn interest during the term of the account. Interest rates vary. Different rates may apply to different amounts or terms. Rates for new deposits may change daily. For terms of 28 days or more, we compound interest. We use the daily balance method to calculate the interest on your account. The daily rate is 1/365-or in a leap year, we may use 1/366-of the interest rate. This method applies a daily rate to the ledger balance in the account each day. We credit interest to your account monthly or disburse it to you according to the option you selected at account opening. Accrued interest does not reflect in an account until it has been credited to the account after nightly processing has been performed. Interest accrues daily and begins to accrue on the business day both cash and non-cash items are deposited to the account. The annual percentage yield that applies to your time deposit account assumes interest will remain on deposit until maturity. Withdrawals will reduce earnings and may subject you to an early withdrawal penalty. If the account is closed before interest is credited, including during the grace period, you will not receive the accrued interest. For additional information on product terms, refer to the Deposit Agreement and Regulatory Disclosures Booklet Terms and Conditions and Disclosure of Products.