Unlimited transactions Unlimited check writing Unlimited Advantages Visa® Check Card™ transactions Low minimum balance to open account ($25) or electronic deposit setup Unlimited deposits No Fee Advantages Visa® Check Card™ ATM Surcharge Rebate up to $8 per member account Overdraft Protection available Tiered Dividend Structure $.01 to $9,999.99 $10,000 to $49,999.99 $50,000 and over *See rate sheet for current rates First set of checks FREE FREE Advantages Bill Pay™ Check safekeeping with check images available of Advantages Online™

Limited transfers from the Money Market savings account to another account or third parties by pre-authorized, automatic, or telephone transfers (6 per statement cycle) No more than 6 transactions can be by check and/or point of sale (POS) purchase with Advantages Access Card™ per statement cycle Unlimited in person, ATM, or mail transactions requests No minimum balance to open Unlimited deposits No Fee Advantages Access Card™ ATM Surcharge Rebate up to $8 per member account Overdraft Protection available May be used as Overdraft Protection source account Tiered Dividend Structure $.01 to $9,999.99 $10,000 to $49,999.99 $50,000 and over *See rate sheet for current rates First book of 50 checks FREE