*Annual Percentage Yield (APY) accurate as of 1/4/2012. Rate tiers are as follows: 1.50% APY applies to balances of $0.01‐ $25,000 and 0.35% 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 0.35% 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 is a period beginning one business day prior to the first day of the current statement cycle through one business day prior to the close of the current statement cycle. 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.