Green Rewards Savings

• No monthly service fee or minimum balance to earn rewards
• Automatic deposits from Green Rewards Checking earnings
• Earn 0.75% APY* on balances up to $50,000
• Earn 0.50% APY* on amount of balance above $50,000
• Earn 0.25% APY* on entire balance if qualifications are not met
• 6 free withdrawals per monthly qualification cycle; additional withdrawals are $1 each
• Free online banking
• Free e-Statements
• Free telephone banking
• $50 minimum deposit to open (no minimum thereafter)

Qualifications

Green Rewards Savings is always free with no minimum balance requirement, and always earns at least our base rate of interest. You earn the highest rate automatically when you qualify for the rewards from Green Rewards Checking. There is nothing extra to do.

You qualify for both accounts' rewards by doing the following each monthly qualification cycle:

• Have 12 debit card purchases post and clear the account
• Have at least one direct deposit or automatic payment post and clear the account
• Receive free paperless e-Statements

If you don't qualify one cycle don't worry. Both accounts are still completely free, still earn our base rate, and you can get right back to earning the huge interest and ATM fee refunds** the very next cycle you qualify!

Green Rewards Savings cannot be opened without a Green Rewards Checking account.

Details

*Annual Percentage Yield (APY) accurate as of 01/19/2012. "Monthly Qualification Cycle" means a period beginning the last business day of the previous cycle through one business day prior to the close of the current statement. Minimum to open Green Rewards Checking account is $100 and minimum to open Green Rewards Savings account is $50. No minimum balance to earn rewards. Green Rewards Checking rate tiers are as follows: 2.15% APY applies to balances of $0 - $40,000 and 0.50% APY applies to balances over $40,000 as long as qualifications are met each monthly qualification cycle. 0.10% APY applies to all balances if qualifications are not met. All balances will earn 0.75% APY - 2.15% APY if monthly qualifications are met. The advertised Green Rewards Checking APY is based on compounding interest. The interest earned in Green Rewards Checking is automatically transferred to Green Rewards Savings each statement cycle and does not compound. The actual interest paid may be less than the advertised APY. The Green Rewards Savings APYs may be less than the Green Rewards Checking APYs. Rates may change after the account is opened. Fees may reduce earnings. Green Rewards Saver rate tiers are as follows: .75% APY applies to balances of $0.01 - $50,000 and 0.50% APY applies to balances over $50,000 if qualifications are met during the monthly qualification cycle on the Green Rewards Checking account. 0.25% APY applies to all balances if qualifications are not met on the Green Rewards Checking account. All balances will earn 0.50%- 2.15% APY if qualifications are met on the Green Rewards Checking account. Annual Percentage Yield (APY) accurate as of 01/19/2012. Rates may change after account is opened. Fees may reduce earnings.Debit card transactions must be point of sale transactions and all qualifying transactions must post and clear your account within the qualification cycle to qualify. Transactions may take one or more business days from the transaction date to post to an account. Intra-bank transfers do not count as qualifying ACH transactions. Personal accounts only: limit one account per unique SSN.

**ATM fee reimbursements up to $20 per monthly qualification cycle provided only if qualifications are met within that cycle.