Reward yourself by opening a checking account designed with you in mind. With Reward Checking, you'll earn 2.02% APY* with no minimum balance requirement after the initial opening deposit and receive unlimited nationwide **ATM fee refunds each Monthly Qualification Cycle.

• 2.02% APY* on balances up to $25,000
• 0.50% APY* on amount of balances over $25,000
• Unlimited ATM fee refunds nationwide
• No monthly service charge
• Unlimited check writing
• Free check card
• Free online banking with bill pay
• Free eStatements
• $100 deposit to initially open account; no minimum balance requirement thereafter
• FDIC insured

*APY = Annual Percentage Yield

**ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.

No interest paid if account closes before monthly qualification cycle date. Also, no overdraft fees will be waived or refunded on this account.

Qualifications:

It's simple to qualify. In fact, you're probably already doing it! Just make sure you check these things off your list to qualify each statement cycle:

• Have at least 10 check card purchases post and clear
• Receive eStatements
• Have at least 1 direct deposit or automatic payment post and clear

If you don't qualify in a given qualification cycle, don't worry. There's no penalty for not qualifying in a given month. You still have free checking and get a base 0.15% APY*. Plus you get right back to making 2.02% APY* and enjoying ATM refunds the next month you qualify.

*Annual Percentage Yield APY accurate as of 8/25/2011. Rate tiers are as follows: 2.02% APY applies to balances of $.01 - $25,000 and 0.50% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. 0.15%APY applies to all balances if monthly qualifications are not met. All balances will earn 0.50% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date the transaction was made to post to an account. Intra‐bank transfers do not count as qualifying transactions. **ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.