Opportunity Reward Checking

Opportunity Reward Checking is a cutting edge account that pays. With a 5.01% APY*, your checking account becomes a true investment, making more money than a savings account. Since we refund ATM fees incurred by other banks, you won't waste those gains getting cash. Let us reward you for banking with Opportunity.

• Earn 5.01% APY* on balance
• Free ATMs Nationwide**
• No minimum balance
• No maintenance fees
• Free online banking and bill pay

*5.01% Annual Percentage Yield (APY) paid on balances between one penny and $24,999.99, and 3.01% APY paid on all amounts $25,000 and over each cycle the minimum requirements are met. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.25% APY; however, it will not receive ATM refunds for that time period. Rates as of February 1, 2008.

We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However you must deposit a minimum of $100 to open this account. Available to Personal Accounts only. No monthly service charge.

**up to $25 in ATM refunds per cycle if requirements are met.

To earn bonus rates, perform the following each month:

• Make at least 10 debit card transactions
• One direct deposit or ACH Auto Debit
• Receive e-statement
• Access online banking

Minimum deposit of $100 to open this account.