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Terms:

Account openings are subject to approval. Offer applies to (i) new interest checking accounts opened; and (ii) new or existing savings accounts open between January 25, 2010 and March 15, 2010 that meet additional terms of offer. Offer is subject to change without notice, is non-transferable, and cannot be combined with any other offer. Harris reserves the right to amend or cancel any part of these offers. "Household" means all persons living at the same address. Personal accounts only. The incentive(s) will be reported as interest income on IRS form 1099 INT and you are responsible for any applicable taxes. Accounts must be in good standing on the Payment Date to receive incentive. Certain terms and conditions apply. Interest-Checking Account offer applies to new personal Interest-Checking Accounts opened between January 25, 2010 and March 15, 2010. In order to receive the incentive for the personal Interest-Checking Account, one of the following requirements must be met: a) the checking account must have a (monthly) $300 minimum direct deposit within 90 days of account opening or the presence of at least five online bill payment transactions within 60 days of account opening. If we determine you have met the terms of the offer, $100 cash will be deposited into your new Harris personal Interest-Checking Account approximately 120 days after account opening (Payment Date). Internet access is required for bill payment services, and internet provider fees may apply. Limit one incentive per Household. Minimum opening balance of $100 is required and APY as of January 18, 2010 for Harris Interest-Checking and Harris Interest-Gold-Checking is 0.01% APY. Savings Account offer applies to Harris customers with a personal Harris Savings Account or Harris Money Market Account and personal Checking Account with the Auto Save option. In order to receive the cash incentive for the Harris personal Savings Account, the Auto Save feature must be active between January 25, 2010 and March 15, 2010 for the following fixed monthly minimum transfer amounts from your Harris personal Checking Account: $25 to Harris Statement Savings; $100 to Harris Money Market Account or Harris Premium Savers; or $250 to Harris Relationship Money Market Account. If we determine you have met the terms of the offer, $50 will be deposited into your Harris personal Savings Account approximately 120 days after account opening (Payment Date). Limit three incentives per Household, with personal Savings Accounts titled in different names. Harris N.A. received the highest numerical score in a tie among retail banks in the Midwest (IL, OH, IN, MO, WI, MN, MI, IA) region in the proprietary J.D. Power and Associates 2009 Retail Banking Satisfaction StudySM. Study based on a total of 28, 570 responses measuring 21 providers in the region and measures opinions of consumers with their primary banking provider. Proprietary study results are based on experiences and perceptions of consumers surveyed in January 2009. Your experiences may vary. Visit jdppower.com. Third Party Link Harris® is a trade name used by Harris N.A. and its affiliates. Member FDIC Third Party Link