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Advantage Savings Account

	The Advantage Savings Account provides the safety of an FDIC insured savings account with a highly competitive rate. This account also offers both liquidity and flexibility including limited bill payment service access. You can open an Advantage Savings Account with just $100.

ACCOUNT FEATURES Highly competitive interest rates No monthly maintenance fees No minimum balance required Limited Bill Payment feature (up to 3 Bill Payments per month payable to yourself or to third parties.) Online images of statements - (5yr archive) ATM card available FDIC insured MINIMUM OPENING DEPOSIT A $100 min. initial deposit required SAFE & SECURE FDIC insured up to $250,000 per depositor FDIC certificate number is 35546 TRANSACTION LIMITATIONS Withdrawal limits apply. $10 Excess Transaction Fee See disclosure for details.

RATES Account Balance APY Rate $1-$9,999 1.500% 1.490% $10,000-$24,999 1.500% 1.490% $25,000-$49,999 1.500% 1.490% $50,000-$99,999 1.500% 1.490% $100,000+ 1.500% 1.490%

All BofI Checking and Savings accounts are variable rate accounts and these rates are subject to change without notice. The Annual Percentage Yield (APY) assumes principal and interest remain on deposit at the same rate for one year. We use the average daily balance method to calculate the interest on your checking or savings account. This method determines the average balance by adding the full amount of the principal in the account for each day within the statement period and dividing that figure by the number of days within the statement period. Interest is compounded daily and calculated on a 365 day basis. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest for checking and savings accounts is compounded daily and credited to your account on your monthly statement cycle date. Time Deposit rates are fixed for the term of the certificate. Time Deposits require a substantial penalty for early withdrawal. Please refer to the Disclosures and the Terms and Conditions for further information.