This paper investigates the consequences of encoding a $K$-valued categorical variable incorrectly as $K$ bits via one-hot encoding, when using a Naïve Bayes classifier. This gives rise to a product-of-Bernoullis (PoB) assumption, rather than the correct categorical Naïve Bayes classifier. The differences between the two classifiers are analysed mathematically and experimentally. In our experiments using probability vectors drawn from a Dirichlet distribution, the two classifiers are found to agree on the maximum a posteriori class label for most cases, although the posterior probabilities are usually greater for the PoB case.