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All BofI Checking and Savings accounts are variable rate accounts and these
rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest remain on deposit
at the same rate for one year. We use the average daily balance method to calculate the interest on your checking or savings
account. This method determines the average balance by adding the full amount of the principal in the account for each day
within the statement period and dividing that figure by the number of days within the statement period. Interest is compounded
daily and calculated on a 365 day basis. Interest begins to accrue on the business day you deposit noncash items (for example, checks).
Interest for checking and savings accounts is compounded daily and credited to your account on your monthly statement cycle date. Time
Deposit rates are fixed for the term of the certificate. Time Deposits require a substantial penalty for early withdrawal. Please
refer to the Disclosures and the Terms and Conditions for further information.
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