| A Checking Account with Interest |
| This account earns an APY* on your collected balance based on the following: |
|
|
| APY* |
 |
 |
|
| Canceled checks are returned to you in the form of a check imaging statement. A $2,500 minimum daily balance or a $5,000 average daily balance is required to avoid monthly maintenance charges. The average daily balance is calculated by adding the principal in the account for each day and dividing that figure by the number of days in the fee period. If the account fails to meet the required balance, a $10.00 maintenance fee and $.25 per check charge for the monthly statement cycle will apply. |
| * Annual Percentage Yield. Interest Rates are subject to change without notice. Rate accurate since 08-06-10 |
