1. ATM surcharge rebates apply to cash withdrawals using the First Trade MasterMoney Debit Card wherever it is accepted. A maximum of $20 in foreign ATM surcharges will be rebated each statement cycle. First Trade reserves the right to modify or discontinue the ATM surcharge rebate at any time. 2. Rate tiers are as follows: 0.00% Annual Percentage Yield (APY) applies to balances of $0.01-$999.99 and 0.50% APY applies to balances of $1,000.00 and up. APY is accurate as of May 17, 2010. Rates may change after account is opened. Fees may reduce earnings. 3. FDIC insurance up to $250,000 guaranteed through 12/31/2013.