HOT FUNDz Club Account

$5.00 deposit to establish account

Choice of tech gadget to start account

Account owners may buy $100 CDs for 6 mos at 50 bp higher than regular 12 mo rate - this will be called eXtra Cents CD

Account owner may apply for loan up to $300 for 12 months - parent w/qualified credit score must cosign - this will be the eXtra Cents Loan.