| Checking Accounts |
| Effective Date: July 31, 2010 |
| Account Type | Account Minimum | Dividend Minimum | Dividend Rate | Annual Percentage Yield (APY) |
| Performance Checking |
$0.00 |
N/A |
N/A |
N/A |
| Prestige Checking* |
$0.00 |
$1,500.00 |
0.15% |
0.15% |
| MyChoice Checking** |
$0.00 |
$0.00 |
2.96% |
3.00% |
| *Fees could reduce earnings on account. The above rates are variable, subject to change without notice, and are the anticipated rates and annual percentage yields for the current dividend period |
| ** 3.00% Annual Percentage Yield (APY) paid on balances up to $25,000 if minimum qualifications are met each month. If the qualifications are not met, then no dividends are earned; however, your account will still function as a free checking account. |
