|Freedom Checking||Balance Tier||APY*|
|Eligibility is met:||$0 - $25,000.00||1.26%|
|Eligibility is not met:||All Balances||0.10%|
*Annual Percentage Yield (APY) accurate as of 7/3/2012. Rate tiers are as follows: 1.50% APY applies to balances of $0.01‐ $25,000 and 0.25% APY applies to balances over $25,000 if qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 0.25% APY to 1.50% APY as long as qualifications are met each monthly qualification cycle. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear during the qualification cycle. "Qualification Cycle" means a period beginning the first calendar day of the month through the last calendar day of the month. Debit card purchase means any PIN or signature based transaction performed at any location other than an ATM. Intra-bank transfers do not count as qualifying ACH transactions. Transactions may take more than three business days to post and clear from the transaction date. Pre-authorized transactions do not qualify. Available to personal accounts only. $100 minimum deposit to open. Limit one account per social security number. **If you use an ATM not owned by Alliance Bank, you may be charged a fee by the ATM operator or network. ATM fee refunds up to $50 provided only if qualifications are met within qualification cycle.