How To Get A Free Credit Card From A Bank Account

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1 Basic : There are no minimum balance requirements for this account. Refer to the Service Fees Disclosure for a complete listing of fees and charges. Super : You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $ to obtain the disclosed annual percentage yield. An account maintenance fee of $6.00 will be imposed every month if the daily minimum balance falls below $ any day of the statement cycle. Refer to the Service Fees Disclosure for a complete listing of fees and charges. FREQUENCY OF RATE CHANGES We may change the interest rate for your account at any time. Interest will be compounded on a monthly basis. Interest will be credited to your account on a monthly basis. Interest begins to accrue no later than the business day we receive credit for the deposit of non cash items (for example, checks). Interest accrued will be credited and paid upon closing. BALANCE COMPUTATION METHOD

2 Business Regular Business : You must deposit $50.00 to open this account. An account maintenance fee of $12.00 will be imposed every statement cycle if the daily balance in the account falls below $3, any day. A per item fee of $0.35 will also be imposed for every check written during the month if the daily balance falls below $3, any day of the month. Refer to the Service Fees Disclosure for a complete listing of fees and charges. An overdraft fee applies to overdrafts created by checks, in person, withdrawal, ATM/Debit Card withdrawals, or other electronic

3 Certificates of Deposit The minimum deposit to open this account is $1, You must maintain a minimum daily balance of $ 1, in the account each day to obtain the disclosed annual percentage yield. Refer to the Service Fees Disclosure for a complete listing of fees and charges. For terms twelve months and less, interest will be credited at maturity. Terms greater than one year, interest will be compounded annually on anniversary and credited at maturity date. Interest begins to accrue on the business day you deposit noncash items (for example, checks). BALANCE AND COMPUTATION METHOD TRANSACTIONS LIMITATIONS You may not take withdrawals from or deposit into this account until the maturity date. TIME REQUIREMENTS Your account will mature on. EARLY WITHDRAWAL PENALTY We may impose a penalty if you withdraw any of the deposited funds before the maturity date. The fee imposed will be 90 days interest for terms 12 months or less,180 days interest for 18 month term, and 365 days interest for terms 24 months and greater. RENEWAL POLICY This account will automatically renew at maturity at the then current rate, which may be less than your current rate. You will have 7 calendar days after the maturity date to withdraw funds without penalty.

4 High Yield : You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $1, to obtain the disclosed annual percentage yield. An account maintenance fee of $10.00 will be imposed every month if the daily minimum balance falls below $1, any day of the month. Statement : You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $ to obtain the disclosed annual percentage yield. An account maintenance fee of $3.00 will be imposed every month if the daily minimum balance falls below $ any day of the month. Money Market: You must deposit $50.00 to open this account. You must maintain a minimum daily balance of $1, to obtain the disclosed annual percentage yield. An account maintenance fee of $8.00 will be imposed every month if the daily minimum balance falls below $2, any day of the month. TRANSACTION LIMITATIONS You may make only 6 transfers/withdrawals per calendar month or statement cycle of at least 4 weeks (not including those made by mail, in person, by telephone with check mailed to you, messenger, ATM or to repay loans with us). These may be payments by check, draft, debit card or similar order to third parties. An $8.00 charge will be assessed for each transfer/withdrawal that exceeds the limit of 6. Repeated occurrences over the limit may result in the closing of this account. FREQUENCY OF RATE CHANGES We may change the interest rate for your account at any time. Interest will be compounded on a quarterly basis with the exception of Money Market which is monthly. Interest will be credited to your account on a quarterly basis with the exception of Money Market which is monthly. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (checks, for example). Interest accrued will be credited and paid upon closing. BALANCE COMPUTATION METHOD

5 Rate Information : Personal Business Super Basic 0.35% 0.35% Regular Business Advantage Advantage Direct s Certificates of Deposit 3 Months.25%.25% 6 Months 9 Months 12 Months 18 Months 24 Months 30 Months 36 Months 48 Months 60 Months.35%.40%.50% 1.15% 1.25% 1.35% 1.60%.35%.40%.50% 1.15% 1.25% 1.35% 1.60% Penalty fee for early withdrawal. Statement $100 to $ $1,000 to $2, $2,500 to $9, $10,000 + Money Market $1,000 to $2, $2,500 to $9, $10,000 to $24,999 $25,000 + High Yield $0.00 to $1, to 9, $10,000 to 49, $50,000 and over 0.40% 0.40% 0.0% 0.00% 0.40% 0.40% 0.50% 0.50% 0.70% 0.70% Annual Percentage Yields () are accurate as of 10/23/12. Other account fees may reduce earnings. Please view our account disclosures for all additional fees. Local rates only. Call us at to obtain current rate information.