*APY = Annual Percentage Yield. The APY only applies to new accounts and existing accounts with an additional deposit of $25,000 that is not already in another account at Sterling Bank and Trust, FSB or is in a Certificate of Deposit at Sterling Bank and Trust, FSB which matured today or within the past 7 days. APY is effective as of 11/08/2023 and is subject to change without notice. Minimum balance requirements. You must deposit $25,000 to open this account. Maximum balance is $1 million. To qualify for the APY, you must open an Eagle Club Checking account. In addition, you must apply for membership into an Ambassador Money Market Club account, make an opening deposit of $25,000 into an Ambassador Money Market Club Account, and maintain a minimum monthly statement cycle balance of $25,000. Rates are compounded daily and paid on the entire balance in the account on a monthly basis. Fees may reduce earnings if the average minimum monthly statement cycle balance is not maintained. Club membership is not automatically triggered by the balance in your account. You must apply for and maintain the minimum balances specific to each club.

**APY = Annual Percentage Yield. APY is effective as of 11/08/2023 and rates are subject to change without notice. Each CD product requires a $500 minimum opening balance and a penalty will be imposed for early withdrawal. The Maximum Certificate of Deposit amount is $1,000,000.00. Rates are compounded daily and paid monthly on the entire balance in the account. The 13 month CD is a promotional product and may be ended at any time without notice. Other restrictions may apply. Please contact an employee for further information about fees and terms.