Give saving a new meaning with Real Saver. This account works with your Reward Checking account to earn you optimal interest on your balances each monthly qualification cycle. The interest and ATM fee refunds you've already earned with Reward Checking are automatically deposited into this account. With no minimum balance requirement after the initial opening deposit, no monthly fees, and an additional 1.00% APY*, you won't just be a saver, you'll be a REAL saver.

• 1.00% APY* on balances up to $100,000
• 0.50% APY* on balances over $100,000
• Linked to Reward Checking
• Unlimited ATM fee refunds nationwide
• No monthly fees
• 9 free debits per quarter; $1 per debit thereafter
• Free online banking
• Free eStatements
• $100 deposit to initially open account; no minimum balance required thereafter**
• FDIC insured

*APY = Annual Percentage Yield. No interest paid if account closes before statement cycle date.

**Opening deposit waived for minors (under 18) and full-time students.

Qualifications:

It's simple to qualify. In fact, you're probably already doing it! By qualifying for the Rewards Checking benefits, you've automatically qualified for Real Saver rewards too. Just do the following each monthly 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 statement cycle, don't worry. There's no penalty for not qualifying in a given month. You still have a free savings account that earns a base 0.50% APY*. Plus you can get right back to making 1.00% APY* and enjoying ATM refunds the next month you qualify.

Minimum to open account is $100 for REALSaver. Annual Percentage Yield (APY) accurate as 8/25/2011. The advertised REWARDChecking APY is based on compounding interest. The interest earned in REWARDChecking is automatically transferred to REALSaver each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. The REALSaver APYs may be less than the REWARDChecking APYs. REALSaver rate tiers are as follows: 1.00% APY applies to balances of $0.01 - $100,000.00 and 0.50% APY applies to balances over $100.000.00 if qualifications are met during monthly qualification cycle on REWARDChecking. 0.25% APY applies to all balances if qualifications are not met on REWARDChecking. All balances will earn 1.00 % APY – 0.50% APY if qualifications are met on REWARDChecking. Qualifying transactions must post and clear REWARDChecking during monthly qualification cycle. Transactions may take one or more banking days from transaction date to post to an account. Intra-bank transfers do not count as qualifying transactions. Rates may change after account is opened. Fees may reduce earnings. ATM Fee refunds (REWARDChecking account onlyprovided only if qualifications are met within monthly qualification cycle.