Rate Sheet Disclosure

The above interest rates and annual percentage yields may change after account opening. At our discretion, we may change the interest rate on these accounts daily.

APY (Annual Percentage Yield) assumes interest is compounded daily and remains on deposit for one year: fees or withdrawals may reduce earnings on these accounts.

Interest is compounded and credited at maturity on Tax Deferred accounts. Interest is compounded and credited at maturity on Tax Deferred accounts. If you close your account before interest is credited, you will not receive the accrued interest.

We use the daily balance method to calculate the interest on accounts. This method applies a daily periodic rate to the principal in the account each day.

For Personal and Business NOW Checking Accounts , interest begins to accrue for the deposit of non-cash items on the business day that credit is received.

For Youth Savings Accounts , interest begins to accrue for the deposit of non-cash items on the business day that credit is received.

For IOTA Checking Accounts , interest begins to accrue for the deposit of non-cash items on the business day that credit is received.

For Personal and Business Tiered Money Market Accounts the rate and annual percentage yield of the highest rate tier for which an account qualifies is applied to the entire account balance daily. Money Market Checking Accounts are subject to check writing limitations set by the Federal Reserve Bank. The Federal regulations limit you to no more than six transfers or withdrawals (or a combination of six transfers and withdrawals) per monthly statement cycle by means of a preauthorized or automatic transfer, order of instruction, or telephonic (including data transmission) agreement. This applies to both transfers to another account at Bank of Coral Gables and to transfers to third parties. If you exceed these limitations, your Money Market Account may be subject to an excess transaction fee or be closed.

For Personal and Business Tiered Savings Accounts interest begins to accrue for non-cash items on the business day the items are deposited.

For information on services and product features related to these accounts, such as Debit cards, On-Line banking and Bill Payment and miscellaneous item charges, please refer to Bank of Coral Gables product disclosures and Schedule of Fees or ask a personal banker.

Ask for current product specials that may be available in addition to our standard Bank of Coral Gables offerings.

Certificates of Deposit

Annual Percentage Yield (APY) assumes interest remains on deposit: fees or withdrawals may reduce earnings.

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.

The above interest rates and annual percentage yields are subject to change without notice. The minimum balance to open an account and obtain the APY is $1,000 for non-jumbo accounts, $100,000 for jumbo accounts and the minimum balance designated for any promotional certificates of deposit.

The early withdrawal penalty applicable to your CD Account is:

• Entire interest penalty for a termination with less than seven days until maturity.
• Seven days interest penalty for a termination with less than thirty days until maturity.
• Three months interest penalty for a termination with less than nine months until maturity.
• Six months interest penalty for a termination with twelve or more months to maturity.

The interest penalty is calculated on the rate of interest the certificate is earning at the time of termination.

After the account is opened, you may not make deposits into or withdrawals without penalty from the account until the maturity date.