Personal Checking Accounts *
EFFECTIVE: May 2, 2008
Products			Mininum Balance	Minimum Balance
	Rate	APY **	to Earn APY **	to Open Account
Power Package Checking
Opt 1-Power Investment(1)	2.75%	2.79%	$10,000	$ 0.00
Opt 2-Power MMDA (2)	2.75%	2.79%	$10,000	$ 0.00
Relationship Checking (3)	1.25%	1.26%	$500,000	$1,000
	0.90%	0.90%	$50,000	$1,000
	0.75%	0.75%	$10,000	$1,000
	0.25%	0.25%	$1,000	$1,000
Universal Checking	0.75%	0.75%	$10,000	$100
	0.25%	0.25%	$1,000	$100
Super Checking	0.25%	0.25%	$1,000	$100
	0.15%	0.15%	$5	$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