FREE Hometown Rewards Checking with ATM Fee Refunds Nationwide!*

Earn Reward Rate 5.01% APY** on balances up to $25,000

• 5.01% APY on balances up to $25,000
• ATM fees refunded nationwide
• Qualifications per cycle are 10 debit card transactions, 1 direct deposit, or automatic draft, and enroll for e-statements
• No service charge on any balance
• Balances over $25,000 earn 1.01% APY
• Free Internet Banking and Bill Pay
• $300 courtesy advance overdraft protection (NSF/overdraft fees apply)
• Free debit card issuance
• $100 Opening Deposit Required
  (Rate effective Sept. 1, 2008. Subject to change after opening. See CSR for details)

Visit any of our participating branch offices or contact us for further information.

*ATM fee refunds when qualifications are met.

** Reward Rates 5.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000, and 1.01% APY on all amounts above $25,000 each cycle the minimum qualifications are met. If you do not meet the qualifications per cycle, your account will still function as a free checking account earning Base Rate 0.05% APY; however it will not receive ATM fee refunds for that time period. Rates as of September 1, 2008. We may change the interest rate and APY at any time after the account is opened. No minimum balance required. A minimum of $100 to open this account. Available to personal accounts only. No monthly service charge.

Patent Pending, BancVue, Ltd.