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Compensation Disclosure

The Bank has a written arrangement with the affinity partner under which we pay the affinity partner for introducing us to its customers. Under this arrangement, the fees paid to the affinity partner will vary, based on the type of account (deposit or loan), the average balance in the account, account usage, or other metrics. We do not pass these fees on to customers, but the existence of these arrangements could affect the overall pricing of our products and services, or could influence the recommendation or marketing of our products and services by the affinity partner.