1. To earn the published interest rate, in the first 90 days of account opening, a monthly recurring direct deposit* of $500 or more must be established. Failure to set up a recurring direct deposit within 90 days of account opening will cause the account to revert to a non-interest earning account. Your account is set up to provide monthly E-Statements. A monthly $5.00 paper statement fee will be assessed should you choose to receive a paper statement. The interest rate on the account is 3.69% with an annual percentage yield of 3.76%. Interest Rate and Annual Percentage Yield (APY) are current as of 11-19-2025, the interest rate and annual percentage yield may change. You must deposit $50.00 to open this account. There is no minimum balance required to qualify for interest. Fees may reduce earnings. New money only**.                                          

2. If the daily balance is more than $49,999.99, but less than $9,999,999.01, the interest rate paid on the entire balance in the account will be 3.88% with an annual percentage yield of 3.96%. If balance falls below $49,999.99, the interest rate paid on the entire balance in the account will be 0.05% and the annual percentage yield will be 0.05%. Interest Rate and APY are current as of 11-19-2025. The interest rate and annual percentage yield are subject to change.

*We define Direct Deposit as follows: Direct deposits include automated preauthorized electronic deposits made by the customer’s employer issuing payroll or a federal or state government agency paying benefits, etc. Direct deposits do not include deposits to an account that are made by an individual using online/mobile banking or an Internet payment provider such as PayPal. Only one Impact Checking Account is permitted per customer.

**New Money is defined as deposits and investments not previously held by Climate First Bank.