Today's Date is Thursday, March 11, 2010

INTEREST PAID ON SAVINGS AND CHECKING EFFECTIVE SINCE Friday, December 11, 2009

HeritageDirect Savings

• 0.90% APY
• Compounds monthly
• $1,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open Account

eCentive Account

• 2.14% Qualification Rate(4)
• 0.10% Base Rate
• Compounds monthly
• $.01 minimum balance to obtain APY
• $50.00 minimum opening balance
• Open Account

FlexGold & HSA $1,000

• 0.20% 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

• 0.35% 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

• 0.50% 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

• 0.65% 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

• 0.80% APY
• Compounds monthly
• $199,000.00 minimum balance to obtain APY
• $1,000.00 minimum opening balance
• Open a Flex Gold Account

Universal Savings

• 0.20% APY
• Compounds semi-annually
• $50.00 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