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Maximum Green Checking:

*APY=Annual Percentage Yield. APYs accurate as of 12/01/2015. Rates may change after account is opened. Minimum to open is $100.

You must perform the following each monthly qualification cycle:

• Have at least 10 debit card purchases that post and settle.
• Have at least 1 direct deposit or automatic payment (ACH) post and settle.
• Be enrolled and receive eStatement notice

If qualifications are met each monthly qualification cycle: (1)** Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 ($5 per single transaction) and credited to account on the last day of monthly statement cycle; (2) If your daily balance is $10,000.00 or less, the interest rate paid on the entire balance will be 1.98% with an annual percentage yield of 2.00%. (3) An interest rate of 0.50% will be paid only for that portion of your daily balance that is greater than $10,000.00. The annual percentage yield for this tier will range from 2.00% to 0.64%*** depending on the balance in the account. If qualifications are not met, all balances will earn an interest rate of 0.05% with a 0.05% APY.

Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions.

"Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.

***Based on a monthly balance of $100,000.00

Maximum Cash Back Checking:

*If qualifications are met each monthly qualification cycle: (1) **Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15.00 ($5.00 per single transaction) and credited to account on the last day of the monthly statement cycle; (2)*Qualifying accounts will receive 2.00% cash back on POS purchases up to $400.00 per qualification cycle with a Maximum Cash Back refund of $8.00 per qualification cycle. Maximum Cash Back refunds will post to your account the last day of your statement cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying check card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.

Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.