**Must set up Direct Deposit for $100 Promo, call branch for details**

KEY ACCOUNT FEATURES:

• No minimum balance required
• No monthly service fee
• 0.50% rate reduction on personal loans, home equity loans, and home equity lines of credit when payments are automatically made from this account¹
• Free VISA® debit/ATM card²
• Preferred CD rates are available by keeping $5,000 or more in combined checking, savings, and money market accounts³
• 24-hour telephone banking
• Minimum $50 deposit to open