Today's Date is Thursday, May 15, 2008

INTEREST PAID ON SAVINGS AND CHECKING EFFECTIVE SINCE Thursday, May 01, 2008

HeritageDirect Savings

• 2.09% APY
• Compounds monthly
• $1,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open Account

Reward Checking

• 2.55% Reward APY(4)
• 0.10% Standard APY
• Compounds monthly
• $.01 minimum balance to obtain APY
• $500.00 minimum opening balance
• Open Account

FlexGold & HSA $1,000

• 0.95% APY
• Compounds monthly
• $1,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open a Flex Gold Account

FlexGold & HSA $25,000

• 1.20% APY
• Compounds monthly
• $25,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open a Flex Gold Account

FlexGold & HSA $50,000

• 1.45% APY
• Compounds monthly
• $50,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open a Flex Gold Account

FlexGold & HSA $99,000

• 1.95% APY
• Compounds monthly
• $99,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open a Flex Gold Account

FlexGold & HSA $199,000

• 2.20% APY
• Compounds monthly
• $199,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open a Flex Gold Account

Platinum Checking

• 0.50% APY
• Compounds monthly
• $1,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance

Regular Savings

• 0.50% APY
• Compounds semi-annually
• $300.00 minimum balance to obtain APY
• $300.00 minimum opening balance

Thrift Savings

• 0.20% APY
• Compounds semi-annually
• $200.00 minimum balance to obtain APY
• $50.00 minimum opening balance

Piggy Bank Savings

• 0.50% APY
• Compounds semi-annually
• $.01 minimum balance to obtain APY
• $20.00 minimum opening balance

FOR CURRENT RATE INFORMATION CALL:

320-235-5720 OR
800-344-7048

(1) Rates may change without notice after account is opened

(2) Fees may reduce earnings

(3) Based on daily collected (available) balance

(4) Must meet monthly account requirements to receive Reward Level