Prestige Personal Money Market Truth in Savings Disclosure

this disclosure contains the rules which govern your Prestige Personal Money Market deposit account.

Variable Rate
The interest rate for your account is variable. Your interest rate and annual percentage yield may change at any time. The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. As of March 25, 2025, the Prestige Personal Money Market tiers are as follows:

Balance Range	Interest Rate	APY
Under $1,000,000.00	3.494%	3.55%
$1,000,000.00 – $9,999,999.99	3.639%	3.70%
$10,000,000 and above	3.639%	3.70%

Determination of Rate
At our discretion, we may change the interest rate on your account.

Frequency of Rate Change
We may change the interest rate on your account at any time.

Minimum Balance Requirements
You must deposit at least $10.00 to open the account. You do not need to maintain a minimum balance in the account each day to obtain the disclosed annual percentage yield.

To avoid the imposition of the maintenance fee you must meet the following requirements: a maintenance fee of $25.00 will be imposed for each statement cycle that the balance in the account falls below $250,000.00 on any day of that monthly statement cycle.

Compounding and Crediting
We utilize a monthly statement cycle. Interest will be compounded and credited to your account every month. If you close your account before interest is credited, you will not receive the accrued interest.

Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day an item is deposited.

Other Terms:
Please refer to the fee schedule for additional fees that may be applicable.