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^{*Annual Percentage Yields (APYs) stated are effective as of 3/15/2020.}

^{5 According to Regulation D, you may make no more than six (6) automatic or preauthorized transfers from your saving account(s) per month. If you make more than six (6) transfers per month, the Excessive Activity Fees may apply and your account will be converted to a transaction account. Please refer to chart on back. Only new money(monies not currently held in an Abacus account) is qualified for deposit into Diamond/Gold Savings Account.}

^{6 The Secured Credit Card Collateral Holding Accounts may not be withdrawn until 60 days after the Secured Credit Card Account has been closed and all amounts owing have been paid in full. The minimum secured credit card limit is $500 and/or up to 90% of the Credit Card Collateral Statement Savings account.}  

^{7 The monthly maintenance service fee is waived for the first two statement cycles to allow you to meet your account requirements. After the first two statement cycles, the monthly maintenance service fee is waived if the requirements are met.}

^{8 Free Small Safe Deposit Box is based upon availability, and limited to one (1) per customer only. This offer can be changed any time.}

^{9 UTMA/UGMA means Uniform Transfers to Minor Act/Uniform Gift to Minors Act. This account will be subject to the Uniform Transfer/Gifts to Minors Act of the state where the account is opened. All funds deposited in the account irrevocably become the property of the child, and are to be managed for the child’s benefit by the custodian until the child reaches the age of 18 or 21, depending on state law, at which time the custodian is responsible for distributing the funds to the child.}

^{10 Your mobile carrier's message and data rates may apply.}

^{11 We may charge an International service fee equal to 1% of the amount of the transaction when you use your debit card for any international transaction. An international transaction arises when you purchase goods from a vendor that is located outside of the U.S. or if you use an ATM that is located outside of the U.S. This includes transactions done on the internet when the vendor is located outside of the U.S. This fee applies regardless of whether the transaction is paid for in U.S. currency. The exchange rate into U.S. currency will be the MasterCard rate in effect on the date of the transaction.}

^{12 Abacus Bank does not charge fee when you use your debit card or ATM card on another ATM that is owned by another Institution. However, you may also be charged a surcharge fee by the Institution that owns the terminal or network including balance inquiries.}

^{Speak with an Abacus bank representative for more information. This promotion may be changed or terminated at any time without notice.}