Electric Blue Rewards Checking

Electric Blue Rewards Checking account is no longer being offered as of 9/30/10. Following is information regarding existing Electric Blue Rewards Checking accounts opened prior to 9/30/10.

Features:

• 1.51% APY* on balances up to $25,000
• 0.35% APY* on balances over $25,000
• No minimum balance or monthly charge
• Base rate of 0.10% APY* if qualifications are not met
• ATM Fee Refunds Nationwide**
• Unlimited check writing
• Free ATM/debit card
• Free Online Banking with Bill Pay
• Free e-Statements
• Free TeleBanker access
• Direct Deposit available
• FDIC insured
• $100 to open

*APY = Annual Percentage Yield. Click "Details" tab above for more information.

**ATM refunds up to $5 per transaction, $25 per cycle if qualifications are met. Customer verification of refunds may be requested.

3 Easy Steps

In order to get the E-Rate level of interest and ATM fee refunds, the following steps must be taken each month:

• 12 debit card purchases
• 1 direct deposit or automatic payment
• Access Internet Banking

If monthly qualifications are not met, you still receive the base rate of 0.10% Annual Percentage Yield (APY) on your account, and are eligible to qualify the next month for the E-Rate.

* Annual Percentage Yield (APY) accurate as of 10/4/11. Minimum to open account is $100. Rate tiers are as follows: 1.51% APY applies to balances of $.01 - $25,000 and 0.35% APY applies to balances over $25,000 each cycle the minimum qualifications are met. 0.10% APY applies to all balances if qualifications are not met. If you do not meet the qualifications for a cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM refunds for that time period.** All balances will earn 1.51% APY to 0.35% APY as long as qualifications are met. We may change the interest rates and APYs at any time after the account is opened. No minimum Balance Required. However, you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge. One account per person only. Fees may reduce earnings.

**ATM refunds up to $5 per transaction, $25 per statement cycle if qualifications are met. Customer verification of refunds may be requested.

***Electric Blue Rewards Checking account is no longer being offered as of 9/30/10. Following is information regarding existing Electric Blue Rewards Checking accounts opened prior to 9/30/10.