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Terms:

Offer valid, beginning 2/1/2008 through 3/8/2008. Relationship Checking available to individuals 18 years of age and above, who have direct deposit as a periodic deposit transaction. $5 fee per month if account falls below the $200 daily minimum balance. Fee is waived if $1,000 is maintained in either a Savings account(s); Certifi cate(s) of Deposit; and/or a Money Market Account. Initial order of checks free for Bank Custom Check design only. *$50 Gift: The $50 gift is for establishing direct deposit with a Relationship Checking account. The gift will be deposited into the new Relationship Checking account when a new periodic direct deposit from a third party with a frequency of at least quarterly is received. The Bank reserves the right to deduct the $50 gift from the account if the account is closed within the fi rst 90 days. Limit of one $50 gift per customer. **Dining Dough: Dining Dough Cards are issued by Restaurant.com and may be redeemed solely for merchandise offered through diningdough.com. Dining Dough Cards have no cash value and may not be redeemed for cash or at any restaurants at any time. Limit of $50 in Dining Dough cards per customer. Other terms and conditions apply and can be viewed at diningdough.com. Cards available while supplies last.