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Terms:

1) Receive a $50 gift card when you conduct 10 VISA Check Card point-of-sale (POS) transactions within 60 days of opening a new Bank Independent personal checking account. The $50 gift card will be mailed within 60 days after the 10th debit card point-of-sale transaction is made. Minimum balance to open a Bank Independent checking account varies. See a Personal Banker or visit goget50.com/checking for details. Taxes resulting from the $50 bonus are the responsibility of the accountholder(s). This offer is valid through April 30, 2011. Limit 1 offer per new customer.

2)Receive a $25 gift card when you open a new Bank Independent savings account. You must have an existing Bank Independent checking account or open a new Bank Independent checking account to receive this offer. Your savings account must stay open for at least 60 days to receive the $25 gift card. The $25 gift card will be mailed within 60 days after the new savings account is opened. The Annual Percentage Yield (APY) for a Bank Independent Regular Savings account is 0.10%. This APY is the APY in effect onMarch 21, 2011. Minimum balance to open a Bank Independent Regular Savings account is $100. Fees may reduce earnings on the account. Taxes resulting from the $25 bonus are the responsibility of the accountholder(s). This offer is valid through April 30, 2011. Limit 1 offer per new savings customer.