Rates effective as of 3/10/2010.

*ATM transaction fees will be refunded and credited to the account on the last business day of the statement cycle. ATM refunds up to $25.00 per qualification cycle when requirements are met.

** If the qualification cycle requirements are met, 3.75% Annual Percentage Yield (APY) is paid on daily balance from $0.01 through $25,000.00, and a 1.01% Annual Percentage Yield (APY) is paid on daily balance above $25,000.00. The APY for accounts with balances over $25,000 will range from 3.75% to 1.70%. If the qualification cycle requirements are not met, 0.20% Annual Percentage Yield (APY) is paid on the entire daily balance and no ATM transaction fees are refunded. Annual Percentage Yields are accurate as of December 16, 2009 and are subject to change at any time. Account must be used for consumer purposes only. You must deposit a minimum of $100.00 to open this account. For Check Card purchases to be counted towards meeting the qualification cycle requirements, the VISA ATM/Check Card purchase transactions must be posted to your account by the close of business on the last day of the qualification cycle. No monthly account maintenance fees. No fee for Internet Banking Bill Pay services.