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Xtra Checking: *APY=Annual Percentage Yield. APYs accurate as of 07/01/2013. Rates may change after account is opened. Minimum to open is $50 for Xtra Checking and $50 for Xtra Saver. For Xtra Checking, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.75%; and (3) balances over $10,000 earn 0.1050% interest rate on the portion of the balance over $10,000, resulting in a range of 2.75% to 0.11% APY depending on the balance. If qualifications are not met on Xtra Checking all balances earn 0.01% APY. Qualifying transactions must post to and settle Xtra Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Xtra Checking APY is based on compounding interest. Interest earned in Xtra Checking is automatically transferred to Xtra Saver each statement cycle and does not compound. Actual interest amount paid may be less than advertised Xtra Checking APY. The Xtra Saver APYs may be less than Xtra Checking APYs. Fees may reduce earnings. Limit one account per SSN. Transfers between accounts do not count towards qualifying debit card transactions. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Xtra CashBack Checking: *Minimum to open Xtra CashBack is $50. When monthly qualifications are met, you receive 4% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $8 per monthly qualification cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. Xtra CashBack rewards from Xtra CashBack are automatically transferred to Xtra Saver at the beginning of the following statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 if qualifications are met within monthly qualification cycle. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Xtra Tunes Checking: *The minimum to open account is $50. You will be refunded up to $30 for iTunes®/Amazon® purchases that post to and settle account during the first 30 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes®/Amazon® purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Xtra Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Limit one account per SSN. iTunes is a registered trademark of Apple, Inc. and Amazon is a registered trademark of Amazon.com. Apple Inc. and Amazon.com are not participants in or sponsors of this program.