_{*To qualify for the $150 Cash Kids Club bonus, must be new BayFirst customer and qualified to open an account in accordance with our normal standards. No minimum balance requirement. Minimum to open is $10.00. Offer is subject to change and may be withdrawn at any time. To receive bonus payment, account must be open at least until bonus payment is credited to the account. BayFirst will match and pay up to $25 for deposits made per statement cycle for the first six statement cycles. Payment will be made each statement cycle. Account must be opened by 11/30/2022. Cash Kids Club Savings is a tiered, interest-bearing savings account. The interest rate and corresponding annual percentage yield (APY) are tiered. If the daily balance in the account is $500.00 or less, the interest rate paid on the entire balance will be 4.92% with an APY of 5.04%. An interest rate of 2.97% will be applied on daily balances between $501.00 and $3,000, the APY for this tier will range from 5.04% to 3.35% depending on the balance in the account. An interest rate of 1.00% will be applied on daily balances above $3,000, the APY for this tier will range from 3.35% to 2.41%, depending on the balance in the account. APY calculations are based on a total deposit balance of $5,000. Rates effective as of 10/25/22. Rates are variable and are subject to change at the bank’s discretion. Rates are calculated on a daily balance method. Fees could reduce earnings. The $150 bonus will be reported to the IRS in accordance with applicable law. Account must be opened by 11/30/2022.}