On each of the following accounts we use the daily balance method to calculate interest. This method applies a daily periodic rate of interest to the collected balance in your account each day. Interest begins to accrue on the date that your deposit becomes collected funds. All accounts are subject to the “Deposit Account Agreement” and “Supplement to Deposit Account Agreement.”

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InvestorsChecking If you close your account before the statement date, you will be charged the monthly maintenance fee and any other fees that were incurred during the month. You will receive a monthly statement and we will safe keep your deposit slips and checks at no additional cost. Your interest rate and annual percentage yield may change at any time.

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InvestorsMoney You may make unlimited withdrawals from this account in person at InvestorsBank. However, you may make no more than six preauthorized withdrawals, telephone transfers and other withdrawals from your account per statement cycle which includes transfers made to your InvestorsChecking account to cover overdrafts, and no more than three of the transfers and withdrawals may be payments by check, draft, MasterMoney card or similar order to third parties. There is no charge if the balance in your account falls below $1,000, however, we will request that you increase the balance in your account to $1,000. InvestorsBank reserves the right to close low balance accounts and to require seven-day notice in writing prior to withdrawals. Your interest rate and annual percentage yield may change at any time.

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InvestorsCD Accrued interest will be compounded and credited to your account semi-annually. You may choose to withdraw interest from your certificate if you deposit the interest in another account at InvestorsBank. Otherwise, we will add the interest to your certificate.

The annual percentage yield assumes interest will remain on deposit until maturity. If you withdraw interest from your certificate, earnings on the certificate will be reduced. If you add interest to the certificate on interest payment dates, you will earn the annual percentage yield.

You may choose to have your deposit automatically renew at maturity. You will have a grace period of 10 days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty.

Prior to maturity, principal may be withdrawn subject to an early withdrawal penalty. If the certificate of deposit has a maturity of one year or less, the penalty will be equal to three months of interest. If the certificate of deposit has a maturity of more than one year, the penalty will be equal to six months interest.

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