Advantage Savings

• Earn 1.00% APY* on balances up to $25,000
• Earn 0.50% APY* on amount of balance over $25,000
• Earn 0.10% APY* on entire balance if qualifications aren't met
• Automatic deposits generated from Advantage Plus Checking earnings
• Up to 2.79% APY* if qualifications are met
• Nationwide ATM fee refunds** (up to $20 monthly)
• No monthly service fee
• No minimum balance requirement
• Free online banking
• Free mobile banking
• Free eStatements
• Free ATM card
• Free telephone banking
• Free direct deposit services
• 1¢ deposit to open
• FDIC insured (Up to the available limit)

By qualifying for the 2.79% APY and ATM fee refunds from Advantage Plus Checking, you automatically qualify for Advantage Savings rate too. To recap, simply do the following each monthly qualification cycle:

• Access your account online at least once
• Receive and review eStatements
• Have at least one direct deposit or automatic payment (ACH) post and clear per qualification cycle
• Have at least 12 signature-based debit card transactions post and clear per qualification cycle

That's it. But if you don't qualify one month, don't worry. Both accounts are still free and earn our base rate of interest. Best of all, you can get back to earning the full rewards the very next month.

Here is all the account information we've already shared, now in the language of legalese:

Annual Percentage Yield (APY) accurate as of 5/11/12. Minimum to open account is $50 for Advantage Plus Checking and $0.01 for Advantage Savings. Advantage Plus Checking rate tiers are as follows: 2.79% APY applies to balances of $0 - $15,000 and 0.75% APY applies to balances over $15,000 as long as qualifications are met each qualification cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 2.79% APY – 0.75% APY as long as qualifications are met.

Advantage Savings rate tiers are as follows: 1.00% APY applies to balances of $0.01 - $25,000 and 0.50% APY applies to balances over $25,000 as long as qualifications are met each qualification cycle on Advantage Plus Checking account. 0.10% APY applies to all balances if qualifications are not met on Advantage Plus Checking. All balances will earn 1.00% APY – 0.50% APY as long as qualifications are met on Advantage Plus Checking.

Rates may change after the account is opened. Fees may reduce earnings. Debit card transactions must be point of sale signature based transactions. ATM withdrawals or other PIN based transactions do not count towards qualifying debit card transactions. All qualification transactions must post and clear to the account during the qualification cycle. Transactions could take anywhere from, but not limited to, 1-5 business days to post and clear to an account from the date the transaction is made. An ACH transaction could either be a deposit or a withdrawal.

**ATM fee refunds up to $20 are provided only if qualifications are met within qualification cycle.

The Annual Percentage Yield (APY) disclosed on the Advantage Plus Checking account assumes that interest earned in Advantage Plus Checking compounds. However, by choosing to have Advantage Plus Savings linked to Advantage Plus Checking, you understand that the interest earned in your Advantage Plus Checking account is automatically transferred into your Advantage Plus Savings account at the end of the statement cycle and therefore does not remain in your Advantage Plus Checking account and does not compound. Additionally, you understand that the interest amount earned in the Advantage Plus Savings account may be less than the interest amount earned in the Advantage Plus Checking account.