Truth In Savings

(All rates disclosed are effective as of 3/19/08)

• Rewards Checking
• BankAdvantage Checking
• Investment Checking
• Statement Savings
• Super Saver Savings
• Blue Chip Money Market Account

Rewards Checking

Rate Information. The interest rate and annual percentage yield for the tiers may change. Interest rate paid on the entire balance in your account will be:

**to qualify for Rewards Checking rates, you must:

1. Have 11 or more settled debit card point of sale transactions per qualification cycle
2. Have one direct deposit or automatic debit monthly
3. Receive your monthly statement electronically

Qualification cycle begins on the last day of the previous statement cycle and ends on the last business day before the next cycle ends.

Statement cycle begins the first day after the last business day of the previous calendar month and ends on the last business day of the current calendar month.

Determination of rate. At our discretion, we may change the interest rate on your account. See Rewards Checking Account Rate Information.

Frequency of rate changes. We may change the interest rate on your account at any time.

Compounding and crediting frequency. Interest will be compounded monthly. Interest will be credited to your account on the last day of your statement cycle.

Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account. You must deposit at least $100.00 to open a Rewards Checking account.

To Avoid The Imposition Of A Fee, You Must There are no monthly service fees for Free Rewards Checking. See other services/fees for other items that may be assessed against your account.

To Obtain the Annual Percentage Yield Disclosed, You Must maintain a minimum balance of $.01 in the account each day of the qualification cycle to obtain the base annual percentage yield. To receive the Rewards Yield, you must: Have 11 or more settled debit card point of sale transactions per qualification cycle; Have one direct deposit or auto debit monthly; receive your monthly statement electronically.

Balance Computation Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

BankAdvantage Checking

Rate Information. The interest rate and annual percentage yield may change. Interest rate paid on the entire balance in your account will be:

Determination of rate. At our discretion, we may change the interest rate on your account. See BankAdvantage Checking Account Rate Information.

Frequency of rate changes. We may change the interest rate on your account at any time.

Compounding and crediting frequency. Interest will be compounded monthly. Interest will be credited to your account on the last day of your statement cycle.

Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account. You must deposit at least $100.00 to open a BankAdvantage Checking account.

To Avoid The Imposition Of A Fee, You Must:

• Maintain a daily minimum balance of $1,000.00 or more, or;
• Have a total minimum combined qualifying deposit account balances of $5,000.00

Otherwise, a service fee of $8.00 (with check safekeeping, or $11.00 with images) will be charged every statement cycle. See other services/fees for other items that may be assessed against your account.

To Obtain the Annual Percentage Yield Disclosed, You Must maintain a minimum balance of $.01 in the account each day of the statement cycle to obtain the disclosed annual percentage yield

Balance Computation Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Investment Checking

Rate Information. The interest rate and annual percentage yield for the tiers may change. Interest rate paid on the entire balance in your account will be:

Determination of rate. At our discretion, we may change the interest rate on your account. See Investment Checking Account Rate Information.

Frequency of rate changes. We may change the interest rate on your account at any time.

Compounding and crediting frequency. Interest will be compounded monthly. Interest will be credited to your account on the last day of your statement cycle.

Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account You must deposit at least $5,000.00 to open an Investment Checking account.

To Avoid the Imposition of a Fee, You Must

• Maintain a daily minimum balance of $10,000.00 or more, or;
• Have a total minimum combined qualifying deposit account balances of $35,000.00

Otherwise, a service fee of $15.00 will be charged every statement cycle. See other services/fees for other items that may be assessed against your account.

To Obtain the Annual Percentage Yield Disclosed, You Must maintain a minimum balance of $.01 in the account each day of the statement cycle to obtain the disclosed annual percentage yield

Balance Computation Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Statement Savings Account

Rate Information. The interest rate and annual percentage yield may change. Interest rate paid on the entire balance in your account will be:

Determination of rate. At our discretion, we may change the interest rate on your account. See Statement Savings Account Rate Information.

Frequency of rate changes. We may change the interest rate on your account at any time.

Compounding and crediting frequency. Interest will be compounded quarterly. Interest will be credited to your account on the last day of the statement cycle

Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account. You must deposit at least $50.00 to open a Statement Savings account.

To Avoid The Imposition Of A Fee, You Must:

A maintenance fee of $1.50 will be imposed every month if the balance in the account falls below $200.00 any day of the calendar month. (non-profit organizations and children age 18 and under are exempt from the maintenance fee) See other services/fees for other items that may be assessed against your account.

To Obtain the Annual Percentage Yield Disclosed, You Must maintain a minimum balance of $50.00 in the account each day of the statement cycle to obtain the disclosed annual percentage yield

Balance Computation Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations. Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no more than three (3) transfers by check, draft, debit card, or similar order to third parties

Super Saver Savings Account

Rate Information. The interest rate and annual percentage yield for the tiers may change. Interest rate paid on the entire balance in your account will be:

Determination of rate. At our discretion, we may change the interest rate on your account. See Super Saver Savings Account Rate Information.

Frequency of rate changes. We may change the interest rate on your account at any time.

Compounding and crediting frequency. Interest will be compounded quarterly. Interest will be credited to your account on the last day of the statement cycle.

Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account. You must deposit at least $5,000 to open a Super Saver Savings account.

To Avoid The Imposition Of A Fee, You Must:

A maintenance fee of $1.50 will be imposed every month if the balance in the account falls below $5,000.00 any day of the calendar month. See other services/fees for other items that may be assessed against your account.

To Obtain the Annual Percentage Yield Disclosed, You Must maintain a minimum balance of $50.00 in the account each day of the statement cycle to obtain the disclosed annual percentage yield

Balance Computation Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations. Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no more than three (3) transfers by check, draft, debit card, or similar order to third parties

Blue Chip Money Market Account

Rate Information. The interest rate and annual percentage yield for the tiers may change. Interest rate paid on the entire balance in your account will be:

Determination of rate. At our discretion, we may change the interest rate on your account. See Blue Chip Money Market Account Rate Information.

Frequency of rate changes. We may change the interest rate on your account at any time.

Compounding and crediting frequency. Interest will be compounded monthly. Interest will be credited to your account on the last day of the statement cycle

Effect of closing an account. If you close your account before interest is credited, you will not receive the accrued interest.

Minimum balance to open the account. You must deposit at least $5,000 to open a Blue Chip Money Market account.

To Avoid The Imposition Of A Fee, You Must:

A maintenance fee of $10.00 will be imposed every month if the balance in the account falls below $2,500.00 any day of the statement cycle. See other services/fees for other items that may be assessed against your account.

To Obtain the Annual Percentage Yield Disclosed, You Must maintain a minimum balance of the appropriate tier in the account each day of the statement cycle to obtain the tiered annual percentage yield

Balance Computation Method. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on noncash deposits. Interest begins to accrue on the business day you deposit noncash items (for example, checks).

Transaction limitations. Transfers from a Savings Account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six (6) per month with no more than three (3) transfers by check, draft, debit card, or similar order to third parties

OTHER SERVICES/FEES

• Replacement (Lost) ATM Card - $5.00 ATM withdrawal restriction - $200.00/day withdrawal
• Foreign ATM transactions
• Replacement (Lost) ATM Card - $5.00
• ATM withdrawal restriction - $200.00/day withdrawal
• Foreign ATM transactions
• STAR $1.00/transaction
• CIRRUS $1.50/transaction
• ACH Items
• Incoming deposits – FREE
• Outgoing withdrawals – FREE Cashier's check – $4.00/each
• Cashier's check – $4.00/each
• Money Orders -- $2.00/each
• Check copies -- $3.00/each (2 free per year)
• Internet banking – FREE
• Billpay Service—FREE (limit of 15 per month, over 15, $.35 each)
• Telephone banking/transfers - FREE
• Fee for paying overdrafts - $27.00 (created by check, in-person withdrawals, ATM withdrawals or other electronic means
• Fee for returning overdrafts – $27.00 (created by check, in-person withdrawals, ATM withdrawals or other electronic means
• Deposited item return - $5.00/item (assessed when a check or item deposited or cashed is refused for payment by the bank on which it was drawn
• Stop payment –$20.00/each
• Incoming wire transfers – FREE to customers, $5.00 to non-customers
• Outgoing wire transfers--Domestic - $12.00/each
• Online transfers - FREE (subject to account disclosures)
• Legal Process--Customer is responsible for "any charges that the bank incurs in complying with such legal service".
• Garnishment, tax levy, escheat, etc. $25.00/each
• Items sent for collection - $5.00 per item
• Dormant account fees (after 12 months of no activity) - $25.00 per year
• Account research - $20.00 per hour (1 Hour minimum)
• Account cancellation fee (if closed within 90 days of opening) - $25.00

We may require not less than 7 days' notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.