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1. Special Program Notes:  The descriptions are summaries only and do not include all terms, conditions and exclusions of the Benefits described.  Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions.  Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

2. Minimum balance of $500 must be maintained in a Compass Perks Plus, Compass Silver, Compass Plus account each day to obtain the disclosed annual percentage yield.

3. Overdraft privilege subject to approval.   

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