¥The “Package Rate” means the discounted rate given to borrowers with automatic payment deduction from a Start Earning℠, Start Benefiting℠ or Start Rewarding℠ Package account. Removal of automatic payment deduction or closure of the Start Earning, Start Benefiting or Start Rewarding package account will increase the rate by 0.50%. *All loan products subject to credit approval. ßFee refunds are only provided for Start Earning and Start Rewarding checking account ATM transactions. ATM fees on accounts linked to your Package checking account will not be refunded.