Rates

Checking Accounts
Account Name	Annual Percentage Yield	Minimum Balance to Earn APY	Minimum Balance to Open	Effective Dates

ValuePlus Checking	0.04%	None	$25	9/7-9/12/2010
Interest Checking	0.15 %	$500 - $4,999	$25	9/7-9/12/2010
	0.25 %	$5,000 - $9,999		9/7-9/12/2010
	0.65 %	$10,000 - $24,999		9/7-9/12/2010
	0.85 %	$25,000 - $49,999		9/7-9/12/2010
	1.00 %	$50,000 and up		9/7-9/12/2010
All rates, terms, and conditions are subject to change without notice. Certain fees may apply.