Premier Reward Checking

• 1.01% APY* on balances up to $25,000
• 0.20% APY* on portion of balance over $25,000
• Unlimited ATM fee refunds nationwide**
• No monthly service charge
• No minimum balance requirements to earn rewards
• Unlimited check-writing
• $100 minimum deposit to open
• Online banking and eStatements
• Debit card included with account
• 24-hour telephone banking
• FDIC insured

Qualifying for the high interest and ATM rewards is simple. Complete the following each monthly qualification cycle:

• Receive eStatements
• Log on to online banking
• Have one direct deposit or automatic payment post and clear account
• Have 10 debit card purchases post and clear account

If you do not meet the qualifications, Premier Reward Checking still functions as a no fee account and earns 0.05% APY* on the entire balance. You are eligible to qualify for the rewards rate of 1.01% APY* and ATM fee refund the very next cycle. If the account does not meet all the qualifying conditions for three consecutive months, the account will be reclassified to our Premier Interest-On Checking Plan.

*Annual Percentage Yield (APY) accurate as of 7/1/11. Rate tiers are as follows: 1.01% Annual Percentage Yield (APY) applies to balances of $0.01 - $25,000, and 0.20% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. If you do not meet the qualifications per cycle, your account will still function as a no fee checking account earning base rate 0.05% APY; however it will not receive ATM refunds for that time period. All balances will earn 1.01% APY - 0.20% APY if monthly qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. No Minimum Balance Required to earn rewards. However, you must deposit a minimum of $100 to open the account. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. **ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle. Available to Personal Accounts only. No monthly service charge.