The convenience of a checking account, with the investment potential of a money market account. This option gives you the freedom to determine your own attractive rate of return based on the value of your daily balance. The higher the balance, the greater your rate of return. In addition, you get great advantages like online banking and an unlimited number of deposits.

Features and Requirements Include: Market earnings potential with check writing privileges Tiered earnings power based on account balance Free online banking Same day credit Free checks for customers 55 and older Maximum of three checks per month Three counter withdrawals per month

Minimum Balance Interest Rate APY** Effective Date $0.01 - $2,499.99 0.400% 0.400% 10/14/2008 $2,500 - $14,999.99 0.600% 0.600% 10/14/2008 $15,000 - $49,999 1.000% 1.000% 10/14/2008 $50,000 - $99,999 1.250% 1.260% 10/14/2008 $100,000 & over 1.750% 1.760% 10/14/2008   Money Market Account Rates subject to change without notice **Annual Percentage Yield accurate as of 10/14/2008