*A Vertical Rewards Elite Checking Account (the “Account”) is a variable interest rate account. During the first 3 statement cycles following
account opening (the “Introductory Period”), the annual percentage yield (“APY”) for daily collected balances, up to and including $250,000,
may be a maximum of 0.80% APY, provided that a direct deposit via ACH has posted to the Account each statement cycle. If a direct deposit
does not post to the Account during a statement cycle during the Introductory Period, all daily collected balances, up to and including
$250,000, will earn the base interest rate of .05% APY (“Base Interest Rate”) for that statement cycle, and the Account will still be eligible
to earn rewards during the next cycle. After the Introductory Period, the APY on daily collected balances, up to and including $250,000, in
the Account may range from .05% APY to 0.80% APY depending upon (i) a direct deposit via ACH posting to the Account and (ii) the number
of qualifying banking services (“Qualifying Services”) performed each statement cycle. If the direct deposit and/or the minimum number
of Qualifying Services are not met during a statement cycle, all daily collected balances, up to and including $250,000, will earn the Base
Interest Rate for that statement cycle. APYs stated herein are accurate as of 5/8/2020. APYs stated herein are established by BankUnited,
N.A. (“BankUnited”) in its sole discretion and may change at any time. Balances greater than $250,000 are not eligible to, and will not, earn
interest or rewards. Minimum opening deposit is $5,000. Transactions must post and settle to the Account during the applicable statement
cycle. Banking services transactions may take one or more business days from the transaction date to post to the Account. A $20 monthly
maintenance fee will be assessed if the average balance in the Account falls below $5,000 during a statement cycle. A $15 early closeout
fee will be assessed if the Account is closed within 6 months of the account opening date. Fees may reduce earnings. Additional fees,
terms and conditions apply. Please refer to our applicable product disclosures,
Depositors Agreement and Schedule of Fees for additional information. BankUnited reserves the right to cancel or modify
this offer at any time without notice. Offer is for new consumer accounts only. Please contact a BankUnited representative for additional details.