CHECKING ACCOUNTS

Personal Checking - Qualify for numerous free services.
	Rate	Yield	Min. Bal.	Fees
Basic Checking	N/A	N/A	N/A	N/A
50 First Checking	0.50%	0.50%	N/A	N/A
Premier Checking	0.85%	0.85%	$500	$15.00 if below $500
Relationship Checking	N/A	N/A	$1,000	$25.00 if below $1,000
Commercial Deposit Accounts - Account analysis with earnings credit.
Non-Profit Checking	0.50%	0.50%	N/A	N/A
Truly Free Checking	N/A	N/A	N/A	N/A
Commercial Checking	N/A	N/A	N/A	$10.00

*Fees may reduce earnings.
*Rates are subject to change without notice.
*Must maintain minimum daily balance to obtain disclosed Annual Percentage Yield.
*FDIC insured up to $250,000 through 12/31/13

Rates Effective February 27, 2010