Touchmark National Bank -- Rewards Checking -- Rates effective as of March 1, 2010

To receive the high Annual Percentage Yield and ATM fee refunds nationwide, you must perform the following qualifications each monthly statement cycle:

1. Make 10 Mastercard debit card purchases. Purchases must be signature based.

2. Set up one Direct Deposit or authorize one automatic payment from your account.

3. Enroll and receive Electronic Statements (valid e-mail address is required)

Earn nationwide ATM fee refunds each cycle the qualifications are met up to $25 per month.

3.01% Annual Percentage Yield (APY) paid on balances between one penny and $25,000 and 1.01% APY paid on the portion of account balances over $25,000 for each monthly statement cycle the qualifications are met.

If you do not meet the qualifications during a monthly statement cycle, your account will still function as a free checking account earning 0.25% APY and you will not receive ATM refunds for that time period.

Annual Percentage Rates for this account are effective as of March 1, 2010 and subject to change after account is opened.

A minimum balance of $100 is required to open this account. Available for personal accounts only.

No monthly service charge.

Contact Touchmark National Bank for more details.

Member FDIC.