Minimum opening deposit is $50

No minimum balance required with Direct Deposit or BOI Loan AutoPay

No monthly service charge for ATM/Debit Card usage

ATM Card

Free Internet Banking

Free e-mail statement with images

Earn interest when you maintain a $1500 or more daily balance Your interest will be credited to your account monthly on the total collected balance

Minimum opening deposit is $100

First 50 personalized checks are free

Apply for a VIP Check Card "The card that works like a check" - unlimited transactions

ATM Card

50% off the first year's rent on any size safe deposit box (subject to availability)

No fee notary service

$8 monthly service fee if your balance drops below $1500 at any time during the monthly statement cycle

The Very Intelligent Plastic for a Very Important Person "The VIP Card that Works Like A Check" The VIP Check Card is accepted at every business that displays the VISA Logo, Worldwide The initial fee for your VIP Check Card is only $5, same as an ATM Card, but with twice the value Unlike other cards that are priced by the number of transactions you do per month, maintenance fee for our VIP CheckCard is simply $1.50 per month

GET YOUR VIP CARD TODAY!

A Personalized Checking Account Designed Exclusively For Our Valued Customers Age 50 and Over

Balance	Fee
$1500 and over	$0
$0.00 - 1499.99	$5

Your account will earn interest and be credited monthly on the total collected balance.

Minimum opening deposit is $100.

Receive all the personalized club checks you need without fee or take advantage of $5 off other selected check styles.

No fee money orders, cashier checks and gift checks.

No fee notary service

50% off the annual fee of your deposit box

No fee One Party American Express Travelers Cheques

No fee photocopies (limits apply)

VIP Check card "the card that works like a check" available to President's Club members at no fee.

Variable interest for your account will be compounded and credited to your account monthly based upon the following tiers: Tier Balance   APY* Interest Rate 1  0 to $4,999 1.25   1.24   2  $5,000 to $9,999 1.50   1.49   3  $10,000 to $24,999 2.00   1.98   4  $25,000 to $49,999 2.25   2.23   5  $50,000 to $99,999 2.50   2.48   6  $100,000 and above 2.75   2.72   *Annual Percentage Yield (APY) Minimum opening deposit requirement of $1,000 You may make 6 transfers from your account, but only 3 may be by check or authorized debit There will be a $15 charge for each item thereafter You may make unlimited withdrawals in person

Interest Rates for Demand Deposit and Savings Accounts

Rates in effect as of May 09, 2008 Rates may change at anytime or at management's discretion

Account Minimum Balance Compounds  APY* Interest Rate  VIP Advantage $1,500 Monthly .40   .40    President's Club $1,500 Monthly .40   .40    Business Now none Monthly .40   .40    Savings $100 Quarterly .50   .50    Koala Savings none Monthly .50   .50   *Annual Percentage Yield (APY)

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