The OneAccount is designed to be used for free. By following the suggestions outlined below, using your account without incurring fees is simple:

• Track your purchases.
• Be careful not to overdraw your account.
• Remember to "Swipe and Sign" for all of your purchases. This means simply selecting "credit" and signing the receipt at checkout.

It's easy to use the OneAccount for free and the Use the OneAccount for Free section can help! Like all checking accounts, there are some normal fees associated with extra services. At Higher One we do our best to offer as many free services as possible. When we are required to charge a fee for a special service, we work to make sure the fee is fully disclosed and easily understood.

Effective July 30, 2009

Free Services Monthly Service Charge No Charge Minimum Balance Charge No minimum balance required. Check Writing FREE. Electronic Statements FREE. Higher One ATM Transactions FREE. Signature Debit MasterCard® Transactions FREE. MasterCard Zero Liability Protection Provided by Higher One FREE (Paid for by Higher One when you "Swipe and Sign" for purchases). Online Bill Payment Service FREE w/ direct deposit of payroll or $1,000.00 minimum account balance. Incoming Wire Transfer (Domestic and International) FREE. Add Money to the OneAccount FREE. Family and Friends Send Money FREE. Send Money Between OneAccounts FREE. Copy of Checks and Deposited Items First copy FREE, additional copies by arrangement. Research and Legal Service First hour FREE, additional time by arrangement. 24/7 Customer Service Access by Email with EasyHelpSM and via Automated Phone Services Line FREE.