ULTIMATE CHECKING - a free checking account that pays high interest and refunds ATM fees! All you have to do is meet 3 easy requirements per qualification cycle: (1) Twelve (12) posted non-PIN check card purchases (2) Direct Deposit or one ACH Automatic Debit or one online bill pay using MemberPay® posted. (3) Receive eStatements monthly *APY - Annual Percentage Yield accurate as of August 1, 2010. Minimum deposit to open account is $50. Rate tiers are as follows: Ultimate rate of 2.75% APY applies to balances of $0.01 - $25,000 and .25% APY paid on balances over $25,000 per statement cycle when requirements are met. Base Rate of 0.05% APY will be earned on all balances if requirements are not met. Rates may change at any time. Fees may reduce earnings. **ATM fee refunds up to $15 per qualification cycle when requirements are met. ATM fees over $4.99 per transaction are not refunded. ATM fees are refunded at the end of each statement cycle if requirements are met. Qualification Cycle means a period beginning after 8:00 PM EST on the second business day prior to month end through 8:00 PM EST of the second business day prior to the following month end. Your 12 Non-PIN check card purchases and your Direct Deposit or ACH Debit or online bill pay using MemberPay® must post during the qualification cycle. Federal Holidays may affect this schedule. Please contact us at 800.761.2400, or visit your closest branch for actual qualification cycle dates. Membership requires a minimum deposit of $5.00 into a regular savings account. | 
