1. Fees on these accounts may be offset by the earnings credit allowance on the analyzed account. The earnings credit allowance is calculated by applying an earnings credit rate to the net investable balance each month (defined as the average collected balance less a 10% reserve requirement). The earnings credit rate is an independently administered rate determined by the Bank and is subject to change.

2. To obtain the annual percentage yield (APY) on your account, your balance must equal or exceed the stated minimum balance required to obtain the APY. No interest will be paid when your account balance drops below the "Minimum Balance Required". Interest begins to accrue on the business day your deposit is posted. Interest will be compounded monthly and credited to your account on the last day of the statement cycle. we use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on the account at any time.

3. Exclusively for Non-Profit organizations

4. Open a new business checking account with a $100 minimum opening deposit and mention this offer. The bonus will be deposited directly into your new business checking account within 90 calendar days of account opening. Your new account must remain open until the bonus is processed in order to receive the bonus. The bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is only available to new HomeStreet Bank business checking account customers. To be eligible for this offer, you must not currently be nor have been a signer on or owner of any business checking accounts with HomeStreet Bank. Limit of one offer per business owner and/or business entity. Public Fund accounts are not eligible for this promotion. Offer is subject to change without notice, can be withdrawn at any time and cannot be combined with any other offer. The $100 minimum opening deposit must be made in person at a branch or mailed to the following address. HomeStreet Bank 33405 8th Avenue South, Suite 250 Federal Way, WA 98003 If prior to the $100 minimum opening deposit being made an electronic micro-deposit is received, the account will be disqualified and no bonus will be paid. HomeStreet Bank reserves the right to deduct the bonus from the account at closing if the account is closed by the customer or bank within 365 calendar days after account opening. For further account terms and conditions about HomeStreet Bank’s business checking accounts, please refer to the Terms and Conditions for Business Accounts. All accounts are subject to approval and HomeStreet Bank’s customary fees for stop payments, insufficient funds, returned items, automatic transfer, monthly service charges, other miscellaneous services and account fees. Refer to the Schedule of Fees for a complete list of account fees. Fees are subject to change upon notice as may be required by law. Offer expires December 31, 2019.