Which YourStyle Account is Right For You? YourStyle® Checking YourStyle® Plus Checking YourStyle®Perks Cell Phone Protection1 Identity Theft Protection2 Mobile Couponing Other Features uChoose Rewards® Exclusive Money Market Rate Rates & Fees Minimum to Open $50 $50 Conditions to Avoid Fee Maintain $1000 average Monthly Balance or Direct Deposit of $500 or more or 10 or more POS transactions* Maintain $20,000 average Monthly Balance with YourStyle Plus Checking and another qualifying account AND a Direct Deposit of $1,000 or more OR 15 or more POS transactions OR eligible Investment customer * Earn Interest Monthly Service Fee $10 when requirements are not met $20 when requirements are not met Additional Benefits Visa® Debit Card ATM Fees 4 free non-Investors ATM transactions per statement cycle; each additional transaction is $3 Unlimited free non-Investors ATM transactions; up to $10 of rebates of other bank fees per statement cycle. Online Banking & Bill Pay Mobile Banking e-Statements Discounted Checks $10 off first order of checks 1. Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are NOT offered by or insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by Investors Bank or any Investors Bank affiliate. * For YourStyle Checking, the service fee is waived for the first two statement cycles after account opening. For YourStyle Plus Checking, the service fee is waived for the first statement cycle after account opening. 2. Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Benefits are available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members but are not available to employees or authorized signers who are not owners. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/ students. For revocable grantor trusts, Benefits are available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, Benefits are available to the beneficiary, who must be the primary member, and his or her eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.