^* FL CD OFFER DISCLOSURE – Promotional CD offer valid for Florida residents: 3.85% Annual Percentage Yield APY for 6-month CD term, 3.75% Annual Percentage Yield APY for 12-month CD term, and 3.50% Annual Percentage Yield APY for 36-month CD and 10-day rate guarantee are valid as of 12/9/2025. Must open an account by 1/7/2026 to get the promotional rates. Minimum $10,000 deposit and balance from external source required to obtain promotional rate. Max deposit $250,000 per account – $500,000 per customer. Account must be opened online or in-branch. Personal account only. Rates subject to change without notice. Early withdrawal penalties may apply. Fees could reduce earnings on the account. Interest compounded and paid monthly. If no action is taken, CD auto-renews at current rates and APY available at that time.

¹ Early withdrawal penalties apply to CDs. For additional fees related to these accounts, please refer to our Schedule of Fees for Personal, Commercial and Corporate Accounts. Interest begins to accrue on the business day we receive credit for the deposit of noncash items. You may not make deposits into or withdrawals from your account until the maturity date. CD will automatically renew on the maturity date, and you will have 10 calendar days after maturity to withdraw funds without penalty. For additional information and terms related to this account, please refer to the rate chart provided at account opening.