Personal Checking Rates

Description	Tier	APY*
GONZO Checking 1	$0 Bonus 1 Bonus 2	3.50% .25% .50%
No Fee Interest Checking	$0	.25%
First Class Checking	$100	.30%
High-Yield Checking	$0 $2,500 $10,000 $25,000 $75,000 $150,000 $250,000	.30% .50% .65% .75% .85% 1.00% 1.25%
Health Savings Account	$0 $2,500 $10,000	2.00% 2.50% 3.00%

*APY refers to Annual Percentage Yield based on simple interest and assumes reinvestment of paid dividends. Fees could reduce earnings. Rates effective as of 11/1/2008 and are subject to change without notice.

¹ Rate is .25% APY for the statement cycle if minimum activity requirements are not met.

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