Bank products and services are offered by BofI Federal Bank, an FDIC insured financial institution. BofI Federal Bank accounts and other related divisions of BofI Federal Bank are not separately insured by the FDIC. To calculate your insurance coverage, use the FDIC online Electronic Deposit Insurance Estimator at: https://www.fdic.gov/edie/index.html. For more information about temporary unlimited FDIC insurance coverage of some transaction accounts, visit www.fdic.gov.

¹ Deposits in interest checking, savings, money market and certificate of deposit accounts at FDIC-insured institutions are insured up to $250,000 per depositor.

² Federal regulations limit certain types of transfers from a money market or saving account to a combined maximum of six per month. If transfers exceed this limit more than occasionally, we will convert the account to a type not subject to transfer limits or close the account. A fee is assessed for each excess transfer paid against the account. See our Deposit Account agreement and Disclosures for details.

*The Annual Percentage Yield (APY) is accurate as of 4/12/2012. The interest rate and corresponding APY for savings and money market accounts are variable and are set at our discretion. Interest rates may change as often as daily without prior notice. Fees may reduce earnings.

We use the daily balance method to calculate the interest in your account. This method applies a daily periodic rate to the daily collected balance in your account. The Collected Balance is the balance of all deposits in your account on which we have received credit for the deposited funds (determined by the availability schedule of our Federal Reserve Bank for non-cash items). All BofI Checking and Savings accounts are variable rate accounts. Time Deposit rates are fixed for the term of the certificate. Time Deposits require a substantial penalty for early withdrawal. Please refer to the Deposit Account Agreement and Disclosure for further information.