Common use of Legacy Accounts Clause in Contracts

Legacy Accounts. No Longer Available Airline Rewards Checking Account Features: • Earn 1 Mile/Point for every $ 3.00 Point-of-Sale (POS) debit transaction posted to your account. • Miles/Points for your checking account is credited on a monthly basis. • Miles/Points will be applied to your one designated participating Airline membership account within 60 days after the end of each month. • Limited to earning 120,000 miles/points for a rolling calendar year. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. The Bank cannot control how merchants choose to classify a transaction; the Bank cannot guarantee a transaction will qualify. Purchases made at Super Markets, Super Stores, Grocery Stores, Wholesale Stores, Discount Stores, USPS, and financial or money transfer institutions are not eligible. Purchases made using virtual wallets, funds transfer services, or other similar technology are not eligible. • The Bank has the right to change or cancel this rewards program at any time. • Participating Airlines may change at any time. • Receive free starter kit of checks (if ordered at account opening) • Unlimited ATM Fees Reimbursed (excludes International ATM transactions) Monthly Maintenance Fees: None Premium CashBack Checking Account Features: • Earn up to 1.00% cash back on signature-based transaction purchases. • Earn up to $2,000.00 per month in cash back on your signature-based transactions. • Maintain a $1,500.00 Monthly Average Daily Balance to earn 1.00% cash back on signature-based transaction purchases. If your Monthly Average Balance falls below $1,500 you will earn .50% in cash back for the month. • Cash back is calculated on net purchases (purchases minus returns or credits). • Cash back will be calculated and paid on your monthly statement cycle date. • Cash back is paid in the form of a deposit to your UFB Direct Premier CashBack Checking account. Your total Cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. Bank of Internet cannot control how merchants choose to classify a transaction; Bank of Internet cannot guarantee a transaction will qualify. Super Markets, Super Stores, Grocery Stores, and Wholesale stores are EXCLUDED from the program. • Unlimited ATM Fees Reimbursed (excludes International ATM transactions). Monthly Maintenance Fees: None UFB Elite Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Elite Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Rewards Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Rewards Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000. UFB High Yield Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB High Yield Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Monthly Maintenance Fees: None UFB Savings Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$19,999.99 o $20,000 or greater Monthly Maintenance Fees: None Funds Availability Disclosure for Personal Accounts Your Ability to Withdraw Funds This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at the Bank's processing facility located in San Diego, CA, and are received either electronically or through the mail. Please do not send cash deposits. In the event Bank receives cash deposits, you agree that Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in Business Days from the day of your deposit. Every day is a Business Day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits: o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions) • Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing • Check deposits made via the Mobile Banking app: 3pm Pacific Time Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date, will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next-Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • U.S. Postal Service Money Orders that are payable to you • Wire Transfers • Checks drawn on the Bank If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified • Federal Reserve Bank checks If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Other Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we are going to take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by mail or e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (30) days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. NOTE: A five (5) business day hold will be placed on your initial deposit when the Bank is initiating the transfer via the automated clearing house from your external bank account on your behalf. Cash Withdrawal Limitations If we delay availability of your deposit, we place certain limitations on withdrawals in cash. In general, $225 of a deposit is available for withdrawal in cash on the first business day after the day of deposit. In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash at or after (time no later than 5:00 pm (PT)) on that day. Any remaining funds will be available for withdrawal in cash on the following business day. Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines. IMPORTANT CHECKING ENDORSEMENT STANDARDS FOR CONSUMER ACCOUNTS Your compliance with the Bank's endorsement standards is necessary to help assure that the checks you deposit will be cleared on a timely basis. UFB Direct’s endorsement standards are: Customer endorsements must be placed on the reverse side of the check where indicated by preprinted format. The remaining area of the check cannot contain any preprinted, stamped or handwritten customer information. Some checks or drafts may require personal endorsement.

Legacy Accounts. No Longer Available Available‌ Airline Rewards Checking Account Features: • Earn 1 Mile/Point for every $ 3.00 Point-of-Sale (POS) debit transaction posted to your account. • Miles/Points for your checking account is credited on a monthly basis. • Miles/Points will be applied to your one designated participating Airline membership account within 60 days after the end of each month. • Limited to earning 120,000 miles/points for a rolling calendar year. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. The Bank cannot control how merchants choose to classify a transaction; the Bank cannot guarantee a transaction will qualify. Purchases made at Super Markets, Super Stores, Grocery Stores, Wholesale Stores, Discount Stores, USPS, and financial or money transfer institutions are not eligible. Purchases made using virtual wallets, funds transfer services, or other similar technology are not eligible. • The Bank has the right to change or cancel this rewards program at any time. • Participating Airlines may change at any time. • Receive free starter kit of checks (if ordered at account opening) • Unlimited ATM Fees Reimbursed (excludes International ATM transactions) Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None Premium CashBack Checking Account Features: • Earn up to 1.00% cash back on signature-based transaction purchases. • Earn up to $2,000.00 per month in cash back on your signature-based transactions. • Maintain a $1,500.00 Monthly Average Daily Balance to earn 1.00% cash back on signature-based transaction purchases. If your Monthly Average Balance falls below $1,500 you will earn .50% in cash back for the month. • Cash back is calculated on net purchases (purchases minus returns or credits). • Cash back will be calculated and paid on your monthly statement cycle date. • Cash back is paid in the form of a deposit to your UFB Direct Premier CashBack Checking account. Your total Cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. Bank of Internet cannot control how merchants choose to classify a transaction; Bank of Internet cannot guarantee a transaction will qualify. Super Markets, Super Stores, Grocery Stores, and Wholesale stores are EXCLUDED from the program. • Unlimited ATM Fees Reimbursed (excludes International ATM transactions). Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB High Rate Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB High Rate Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Elite Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Elite Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Rewards Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Rewards Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000. UFB Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB Premium Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Savings Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$19,999.99 o $20,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Best Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Best Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Preferred Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Preferred Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premier Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Premier Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Priority Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Priority Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB High Yield Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Maintenance FeesMinimum Balance Required to Open the Account: $10.00, if average daily ledger balance falls below $5,000. UFB Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater No Minimum Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB High Yield Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 Time to Bring Legal Action‌ To the fullest extent permissible by applicable law, unless another time is provided in another provision of this Agreement, an action or greater Monthly Maintenance Fees: None UFB Savings Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$19,999.99 o $20,000 proceeding by you to enforce an obligation, duty, or greater Monthly Maintenance Fees: None Funds Availability Disclosure for Personal Accounts Your Ability to Withdraw Funds This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at the Bank's processing facility located in San Diego, CA, and are received either electronically right arising under this Agreement or through the mail. Please do not send cash deposits. In the event Bank receives cash deposits, you agree that Bank's determination of the amount of the deposit will under applicable law must be conclusive. The Bank is responsible for mailed deposits only commenced within one year after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability cause of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in Business Days from the day of your deposit. Every day is a Business Day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits: o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions) • Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing • Check deposits made via the Mobile Banking app: 3pm Pacific Time Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date, will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next-Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • U.S. Postal Service Money Orders that are payable to you • Wire Transfers • Checks drawn on the Bank If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified • Federal Reserve Bank checks If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Other Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we are going to take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by mail or e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (30) days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. NOTE: A five (5) business day hold will be placed on your initial deposit when the Bank is initiating the transfer via the automated clearing house from your external bank account on your behalf. Cash Withdrawal Limitations If we delay availability of your deposit, we place certain limitations on withdrawals in cash. In general, $225 of a deposit is available for withdrawal in cash on the first business day after the day of deposit. In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash at or after (time no later than 5:00 pm (PT)) on that day. Any remaining funds will be available for withdrawal in cash on the following business day. Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines. IMPORTANT CHECKING ENDORSEMENT STANDARDS FOR CONSUMER ACCOUNTS Your compliance with the Bank's endorsement standards is necessary to help assure that the checks you deposit will be cleared on a timely basis. UFB Direct’s endorsement standards are: Customer endorsements must be placed on the reverse side of the check where indicated by preprinted format. The remaining area of the check cannot contain any preprinted, stamped or handwritten customer information. Some checks or drafts may require personal endorsementaction accrues.

Legacy Accounts. No Longer Available Airline Rewards Checking Account Features: • Earn 1 Mile/Point for every $ 3.00 Point-of-Sale (POS) debit transaction posted to your account. • Miles/Points for your checking account is credited on a monthly basis. • Miles/Points will be applied to your one designated participating Airline membership account within 60 days after the end of each month. • Limited to earning 120,000 miles/points for a rolling calendar year. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. The Bank cannot control how merchants choose to classify a transaction; the Bank cannot guarantee a transaction will qualify. Purchases made at Super Markets, Super Stores, Grocery Stores, Wholesale Stores, Discount Stores, USPS, and financial or money transfer institutions are not eligible. Purchases made using virtual wallets, funds transfer services, or other similar technology are not eligible. • The Bank has the right to change or cancel this rewards program at any time. • Participating Airlines may change at any time. • Receive free starter kit of checks (if ordered at account opening) • Unlimited ATM Fees Reimbursed (excludes International ATM transactions) Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None Premium CashBack Checking Account Features: • Earn up to 1.00% cash back on signature-based transaction purchases. • Earn up to $2,000.00 per month in cash back on your signature-based transactions. • Maintain a $1,500.00 Monthly Average Daily Balance to earn 1.00% cash back on signature-based transaction purchases. If your Monthly Average Balance falls below $1,500 you will earn .50% in cash back for the month. • Cash back is calculated on net purchases (purchases minus returns or credits). • Cash back will be calculated and paid on your monthly statement cycle date. • Cash back is paid in the form of a deposit to your UFB Direct Premier CashBack Checking account. Your total Cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. Bank of Internet cannot control how merchants choose to classify a transaction; Bank of Internet cannot guarantee a transaction will qualify. Super Markets, Super Stores, Grocery Stores, and Wholesale stores are EXCLUDED from the program. • Unlimited ATM Fees Reimbursed (excludes International ATM transactions). Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB High Rate Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB High Rate Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Elite Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Elite Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Rewards Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Rewards Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000. UFB Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB Premium Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Savings Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$19,999.99 o $20,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Best Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Best Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Preferred Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Preferred Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premier Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Premier Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Priority Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Priority Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB High Yield Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Maintenance FeesMinimum Balance Required to Open the Account: $10.00, if average daily ledger balance falls below $5,000. UFB Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater No Minimum Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB High Yield Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 Time to Bring Legal Action To the fullest extent permissible by applicable law, unless another time is provided in another provision of this Agreement, an action or greater Monthly Maintenance Fees: None UFB Savings Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$19,999.99 o $20,000 proceeding by you to enforce an obligation, duty, or greater Monthly Maintenance Fees: None Funds Availability Disclosure for Personal Accounts Your Ability to Withdraw Funds This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at the Bank's processing facility located in San Diego, CA, and are received either electronically right arising under this Agreement or through the mail. Please do not send cash deposits. In the event Bank receives cash deposits, you agree that Bank's determination of the amount of the deposit will under applicable law must be conclusive. The Bank is responsible for mailed deposits only commenced within one year after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability cause of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in Business Days from the day of your deposit. Every day is a Business Day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits: o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions) • Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing • Check deposits made via the Mobile Banking app: 3pm Pacific Time Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date, will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next-Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • U.S. Postal Service Money Orders that are payable to you • Wire Transfers • Checks drawn on the Bank If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified • Federal Reserve Bank checks If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Other Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we are going to take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by mail or e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (30) days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. NOTE: A five (5) business day hold will be placed on your initial deposit when the Bank is initiating the transfer via the automated clearing house from your external bank account on your behalf. Cash Withdrawal Limitations If we delay availability of your deposit, we place certain limitations on withdrawals in cash. In general, $225 of a deposit is available for withdrawal in cash on the first business day after the day of deposit. In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash at or after (time no later than 5:00 pm (PT)) on that day. Any remaining funds will be available for withdrawal in cash on the following business day. Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines. IMPORTANT CHECKING ENDORSEMENT STANDARDS FOR CONSUMER ACCOUNTS Your compliance with the Bank's endorsement standards is necessary to help assure that the checks you deposit will be cleared on a timely basis. UFB Direct’s endorsement standards are: Customer endorsements must be placed on the reverse side of the check where indicated by preprinted format. The remaining area of the check cannot contain any preprinted, stamped or handwritten customer information. Some checks or drafts may require personal endorsementaction accrues.

Legacy Accounts. No Longer Available Airline Rewards Checking Account Features: • Earn 1 Mile/Point for every $ 3.00 Point-of-Sale (POS) debit transaction posted to your account. • Miles/Points for your checking account is credited on a monthly basis. • Miles/Points will be applied to your one designated participating Airline membership account within 60 days after the end of each month. • Limited to earning 120,000 miles/points for a rolling calendar year. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. The Bank cannot control how merchants choose to classify a transaction; the Bank cannot guarantee a transaction will qualify. Purchases made at Super Markets, Super Stores, Grocery Stores, Wholesale Stores, Discount Stores, USPS, and financial or money transfer institutions are not eligible. Purchases made using virtual wallets, funds transfer services, or other similar technology are not eligible. • The Bank has the right to change or cancel this rewards program at any time. • Participating Airlines may change at any time. • Receive free starter kit of checks (if ordered at account opening) • Unlimited ATM Fees Reimbursed (excludes International ATM transactions) Monthly Maintenance Fees: None Free Premium CashBack Checking Account Features: • Earn up to 1.00% cash back on signature-based transaction purchases. • Earn up to $2,000.00 per month in cash back on your signature-based transactions. • Maintain a $1,500.00 Monthly Average Daily Balance to earn 1.00% cash back on signature-based transaction purchases. If your Monthly Average Balance falls below $1,500 you will earn .50% in cash back for the month. • Cash back is calculated on net purchases (purchases minus returns or credits). • Cash back will be calculated and paid on your monthly statement cycle date. • Cash back is paid in the form of a deposit to your UFB Direct Premier CashBack Checking account. Your total Cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. Bank of Internet cannot control how merchants choose to classify a transaction; Bank of Internet cannot guarantee a transaction will qualify. Super Markets, Super Stores, Grocery Stores, and Wholesale stores are EXCLUDED from the program. • Unlimited ATM Fees Reimbursed (excludes International ATM transactions). Monthly Maintenance Fees: None Free UFB Elite Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Elite Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Rewards Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Rewards Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 10.00, if average daily ledger balance falls below $5,000. UFB High Yield Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 0–$9,999 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB High Yield Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 25,000.00 or greater Monthly Maintenance Fees: None UFB Savings Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$19,999.99 o $20,000 20,000.00 or greater Monthly Maintenance Fees: None Funds Availability Disclosure for Personal Accounts Your Ability to Withdraw Funds This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at the Bank's processing facility located in San Diego, CA, and are received either electronically or through the mail. Please do not send cash deposits. In the event Bank receives cash deposits, you agree that Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in Business Days from the day of your deposit. Every day is a Business Day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits: o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions) • Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing • Check deposits made via the Mobile Banking app: 3pm Pacific Time Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date, will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next-Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • U.S. Postal Service Money Orders that are payable to you • Wire Transfers • Checks drawn on the Bank If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified • Federal Reserve Bank checks If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Other Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we are going to take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by mail or e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (30) days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. NOTE: A five (5) business day hold will be placed on your initial deposit when the Bank is initiating the transfer via the automated clearing house from your external bank account on your behalf. Cash Withdrawal Limitations If we delay availability of your deposit, we place certain limitations on withdrawals in cash. In general, $225 of a deposit is available for withdrawal in cash on the first business day after the day of deposit. In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash at or after (time no later than 5:00 pm (PT)) on that day. Any remaining funds will be available for withdrawal in cash on the following business day. Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines. IMPORTANT CHECKING ENDORSEMENT STANDARDS FOR CONSUMER ACCOUNTS Your compliance with the Bank's endorsement standards is necessary to help assure that the checks you deposit will be cleared on a timely basis. UFB Direct’s endorsement standards are: Customer endorsements must be placed on the reverse side of the check where indicated by preprinted format. The remaining area of the check cannot contain any preprinted, stamped or handwritten customer information. Some checks or drafts may require personal endorsement.:

Legacy Accounts. No Longer Available Airline Rewards Checking Account Features: • Earn 1 Mile/Point for every $ 3.00 Point-of-Sale (POS) debit transaction posted to your account. • Miles/Points for your checking account is credited on a monthly basis. • Miles/Points will be applied to your one designated participating Airline membership account within 60 days after the end of each month. • Limited to earning 120,000 miles/points for a rolling calendar year. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. The Bank cannot control how merchants choose to classify a transaction; the Bank cannot guarantee a transaction will qualify. Purchases made at Super Markets, Super Stores, Grocery Stores, Wholesale Stores, Discount Stores, USPS, and financial or money transfer institutions are not eligible. Purchases made using virtual wallets, funds transfer services, or other similar technology are not eligible. • The Bank has the right to change or cancel this rewards program at any time. • Participating Airlines may change at any time. • Receive free starter kit of checks (if ordered at account opening) • Unlimited ATM Fees Reimbursed (excludes International ATM transactions) Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None Premium CashBack Checking Account Features: • Earn up to 1.00% cash back on signature-based transaction purchases. • Earn up to $2,000.00 per month in cash back on your signature-based transactions. • Maintain a $1,500.00 Monthly Average Daily Balance to earn 1.00% cash back on signature-based transaction purchases. If your Monthly Average Balance falls below $1,500 you will earn .50% in cash back for the month. • Cash back is calculated on net purchases (purchases minus returns or credits). • Cash back will be calculated and paid on your monthly statement cycle date. • Cash back is paid in the form of a deposit to your UFB Direct Premier CashBack Checking account. Your total Cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. • Merchants who accept Visa/MasterCard cards are assigned a merchant code which is determined by the merchant or its processor in accordance with Visa/MasterCard procedures based on the kinds of products and services they primarily sell. Bank of Internet cannot control how merchants choose to classify a transaction; Bank of Internet cannot guarantee a transaction will qualify. Super Markets, Super Stores, Grocery Stores, and Wholesale stores are EXCLUDED from the program. • Unlimited ATM Fees Reimbursed (excludes International ATM transactions). Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB High Rate Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB High Rate Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Elite Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Elite Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Rewards Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Monthly Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000 UFB Rewards Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: $5,000 Monthly Maintenance Fees: $10 if average daily ledger balance falls below $5,000. UFB High Yield Money Market Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB Money Market Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: $10.00, if average daily ledger balance falls below $5,000. UFB High Yield Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0–$9,999.99 o $10,000–$24,999.99 o $25,000–$49,999.99 o $50,000–$99,999.99 o >$100,000 Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Premium Savings Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$24,999.99 o $25,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None UFB Savings Account Account Features: • Interest-bearing account • Variable Interest Rate Account • Tiered Interest Earning Account. Tiers are as follows: o $0-$19,999.99 o $20,000 or greater Minimum Balance Required to Open the Account: No Minimum Monthly Maintenance Fees: None Funds Availability Disclosure for Personal Accounts Your Ability to Withdraw Funds This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at the Bank's processing facility located in San Diego, CA, and are received either electronically or through the mail. Please do not send cash deposits. In the event Bank receives cash deposits, you agree that Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in Business Days from the day of your deposit. Every day is a Business Day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits: o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions) • Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing • Check deposits made via the Mobile Banking app: 3pm Pacific Time Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date, will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next-Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • U.S. Postal Service Money Orders that are payable to you • Wire Transfers • Checks drawn on the Bank If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified • Federal Reserve Bank checks If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Other Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we are going to take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by mail or e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (30) days your account is open: • Funds from electronic direct deposits to your account will be available on the day we receive the deposit. • Funds from deposits of cash and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. NOTE: A five (5) business day hold will be placed on your initial deposit when the Bank is initiating the transfer via the automated clearing house from your external bank account on your behalf. Cash Withdrawal Limitations If we delay availability of your deposit, we place certain limitations on withdrawals in cash. In general, $225 of a deposit is available for withdrawal in cash on the first business day after the day of deposit. In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash at or after (time no later than 5:00 pm (PT)) on that day. Any remaining funds will be available for withdrawal in cash on the following business day. Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines. IMPORTANT CHECKING ENDORSEMENT STANDARDS FOR CONSUMER ACCOUNTS Your compliance with the Bank's endorsement standards is necessary to help assure that the checks you deposit will be cleared on a timely basis. UFB Direct’s endorsement standards are: Customer endorsements must be placed on the reverse side of the check where indicated by preprinted format. The remaining area of the check cannot contain any preprinted, stamped or handwritten customer information. Some checks or drafts may require personal endorsement.