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Basic Checking Disclosure

Dividend Information.

No dividends are paid on this Account.

Minimum Balance Requirements.

No minimum balance requirements apply to this Account.

Transaction Limitations.

No transaction limitations apply to this Account.

Additional Information.

For instances in which You have elected to participate in the RollUp Savings program You must: (i) maintain automatic transfer into Your Account; (ii) consent to receive Your periodic statements electronically; and (iii) open and maintain a RollUp Savings Account. During each calendar day that You have met the requirements set forth above, We will transfer to Your RollUp Savings Account a sum equal to the difference between the actual transaction (rounded up to the nearest $1.00 minus the actual transaction amount) for each VISA Debit Card transaction.

For accounting purposes, each individual transaction that You make will be posted as such, and the amount transferred to Your RollUp Savings Account will be shown as a single transaction for the sum total of all such “RollUp” amounts that occurred that day. For example, a single transaction of $25.17 would result in $0.83 being transferred to Your RollUp Savings Account, whereas a subsequent transaction [that same day] of $26.01 would result in $0.99 being transferred to Your RollUp Savings Account. These transactions would then be recorded as follows: (i) the first transaction of $25.17; (ii) the subsequent transaction of $26.01; and (iii) the Roll Up sum of $1.82.