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	8/30-9/5/2010
Interest Checking	0.040%	$500 - $4,999	$25	8/30-9/5/2010
	0.048%	$5,000 - $9,999		8/30-9/5/2010
	0.048%	$10,000 - $24,999		8/30-9/5/2010
	0.080%	$25,000 - $49,999		8/30-9/5/2010
	0.150%	$50,000 and up		8/30-9/5/2010
All rates, terms, and conditions are subject to change without notice. Certain fees may apply.