Personal Checking Accounts *
EFFECTIVE: September 1, 2010
Products			Mininum Balance	Minimum Balance
	Rate	APY **	to Earn APY **	to Open Account
Power Package Checking
Opt 1-Power Investment(1)	0.85%	0.85%	$10,000	$13,000
Opt 2-Power MMDA (2)	0.85%	0.85%	$10,000	$13,000
Interest Checking (3)	0.15%	0.15%	$1,000	$1,000
Free Checking	0.00%	0.00%	$0	$100
* TERMS:
(1) $18 Service Charge with balance below $10,000 (2) $18 Service Charge with balance below $10,000 (3) $9 Service Charge with balance below $1,000
Fees may reduce earnings on all accounts
All rates may change after account is opened
**Interest Rates (Rate) are subject to change without Notice