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*APY = Annual Percentage Yield. Annual Percentage Yield accurate as of 4/26/12. Interest rates are variable and may change at any time without notice. Applicable fees can reduce the earnings on the account. Stated APY assumes that accountholder meets stated requirements to earn premium interest rates each analysis period: (i) three online bill payments must post to your account and (ii) continued enrollment in eStatements. Accounts not meeting the stated requirements will receive: An interest rate and APY of 1.01% for the entire average daily collected balance below $250,000; An interest rate and APY of 1.01% for that portion of the average daily collected balance equal to or greater than $250,000 but below $500,000; and; An interest rate of 0.25% with an APY ranging from 0.63% to 1.01%, depending on the account balance, for that portion of the average daily collected balance equal to or greater than $500,000. Applicable premium interest rates and their corresponding balance tiers are as follows: If your average daily collected balance is below $250,000, the interest rate paid on the entire balance will be 1.26% with an APY of 1.26%; An interest rate of 1.26% with APY ranging from 1.26% to 1.26%, depending on the account balance, will be paid only for that portion of your average daily collected balance that is equal to or greater than $250,000 but below $500,000; and, An interest rate of 0.50% with APY ranging from 0.88% to 1.26%, depending on the account balance, will be paid only for that portion of the average daily collected balance that is equal to or greater than $500,000. The interest rate and APY for the highest tiers are calculated assuming a maximum balance of $1,000,000. Minimum balance required to open account is $100. A minimum average daily ledger balance of $10,000 is required to avoid a $20 monthly service fee. The analysis period begins three business days prior to the beginning of the statement cycle and ends three business days prior to the end of the statement cycle.

Important information about procedures for opening a new account: Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.

**Up to $20 of the non-Cole Taylor ATM fee posting to your account each month is rebated to the account at the end of each statement cycle.