Must be linked to a PossibilitiesCHECKING account.

• 0.65% APY* interest earned if qualifications are met in your PossibilitiesCHECKING each monthly qualification cycle
• Base Rate of 0.10% APY* if qualifications are not met
• Interest from PossibilitiesCHECKING automatically deposited into PossibilitiesSAVER
• PossibilitiesCHECKING Nationwide ATM fee reimbursements** automatically deposited into PossibilitiesSAVER
• No monthly charge nor minimum balance to earn rewards
• Free Online Banking
• Free e-Statements
• Free TeleBanker access
• Direct Deposit available
• FDIC insured
• FAQs

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To apply online - You must be:

• A resident of Kankakee County, IL and

• U.S. Citizen or Permanent Resident Alien and

• Must be at least 18 years of age

Qualifications:

3 Easy Steps

To enjoy all of these great benefits, simply meet the following easy qualifications on your PossibilitiesCHECKING account:

Have at least 12 debit card purchases post and clear to your PossibilitiesCHECKING account per monthly qualification cycle

Have one Automatic Payment or Direct Deposit post and clear to your PossibilitiesCHECKING account per monthly qualification cycle

Receive e-statements

If qualifications are not met in your PossibilitiesCHECKING account for a monthly qualification cycle, your PossibilitiesCHECKING account will still function as a free checking account and your PossibilitiesCHECKING and PossibilitiesSAVER accounts will both earn the base rate of 0.10% APY*; however, your PossibilitiesCHECKING account will not receive ATM fee reimbursements** for that monthly qualification cycle.

Details:

Minimum to open POSSIBILITIES Checking account is $100.00 and $100.00 for POSSIBILITIES Saver.

*Annual Percentage Yield (APY) accurate as of October 4, 2011.

POSSIBILITIES Checking rate tiers are as follows: 2.01% APY applies to balances of $0.01 - $15,000.00 and 0.35% APY applies to balances over $15,000.00 if qualifications are met during the monthly qualification cycle. 0.10% APY applies to all balances if qualifications are not met during the monthly qualification cycle. All balances will earn 0.35% APY – 2.01% APY if qualifications are met for monthly qualification cycle.

The Annual Percentage Yield (APY) disclosed on the POSSIBILITIES Checking account assumes that interest earned in POSSIBILITIES Checking compounds. However, by choosing to have POSSIBILITIES Saver linked to POSSIBILITIES Checking, you understand that the interest earned in your POSSIBILITIES Checking account is automatically transferred into your POSSIBILITIES Saver account at the end of the statement cycle and therefore does not remain in your POSSIBILITIES Checking account and does not compound. Additionally, you understand that the interest amount earned in the POSSIBILITIES Saver account may be less than the interest amount earned in the POSSIBILITIES Checking account.

Qualifying transactions must post and clear the POSSIBILITIES Checking account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM transactions do not count as qualifying debit card transactions.

**Nationwide ATM Fee reimbursements (for POSSIBILITIES Checking account only) up to $5 per transaction, $25 per Monthly Qualification Cycle, provided only if qualifications are met within the monthly qualification cycle.

POSSIBILITIES Saver account rates are as follows: 0.65% APY applies to entire balance if qualifications are met during the qualification cycle on the POSSIBILITIES Checking account and 0.10% APY applies to entire balances if qualifications are not met on the POSSIBILITIES Checking during the monthly qualification cycle.

Rates may change at any time, including after your account is opened. Fees may reduce earnings. No minimum balance required to earn rewards.

Available to Personal Accounts only. Limit one account per person (SSN).

The number of withdrawals or transfers from a POSSIBILITIES Saver account that you make in-person, by mail or at an ATM are unlimited. During your statement cycle, you may also make up to six transfers or payments in the aggregate, via pre-authorized withdrawals, telephone banking service, online banking service or automatic transfers. Excess withdrawals may result in account being closed.

Withdrawals and Payments

The number of withdrawals or transfers from a POSSIBILITIES Saver you make in person, by mail or at an ATM, or transfers for the purpose of repaying Peoples Bank of Kankakee County loans and associated expenses are unlimited. During your statement cycle, you may also make up to six transfers, withdrawals or payments in aggregate to another account with Peoples Bank of Kankakee County or to a third party if made by: pre-authorized transfers or withdrawals, telephone banking service (including telephone, fax, VRU), Peoples Bank of Kankakee County Internet Banking, automatic transfers, check or draft, or at point of sale terminals using your ATM or debit card. Excess withdrawals may result in account being closed. These transactions are considered made on the date the Bank pays out the funds, not the date the withdrawal request was initiated.