Great Rate Checking

Just because your money is sitting in a bank doesn't mean it can't be working for you. Earn 4.01% APY* and ATM fee refunds with no minimum balance requirements or monthly service charges.

Getting a great interest rate is easy with this free high yield checking account. Get maximum returns, unlimited online access, and much more without having to pay monthly fees.

To get this high interest rate, all you have to do is meet the easy qualifications each statement cycle. You'll automatically earn our Great Rate on your balance. If during a given statement cycle you don't qualify, you'll still earn our base rate of interest and get unlimited free checking. And the next cycle, you can get that Great Rate back again!

Benefits

• 4.01% APY* on balances up to $15,000
• 1.01% APY* on balances over $15,000
• 0.10% APY* base rate if qualifications aren't met
• ATM fees will be refunded up to $50
• No minimum balance requirement
• No monthly fees
• Unlimited check writing
• Free Online Banking
• Free e-Statements
• Direct Deposit available
• $100 to open

*APY = Annual Percentage Yield is paid per statement cycle.

Changes as of May 6, 2009: This account is limited to 2 accounts per customer and/or household. Additionally, the account is limited to Oklahoma residents only. The account may be offered to Bank2 loan customers.

See "More Info" tab above for details.

In order to receive the Great Rate and ATM fee refunds, simply do the following everyday activities each statement cycle:

• 12 Check Card purchases
• 1 ACH or EFT Direct Deposit
• Receive e-Statements
• Access Online Banking

Qualification Cycle Calendar

Qualification Cycle - Qualifications must be POSTED

July - Thursday, August 5, 2010

August - Thursday, September 2, 2010

September - Tuesday, October 5, 2010

October - Thursday, November 4, 2010

November - Friday, December 3, 2010

December - Wednesday, January 5, 2011

January - Thursday, February 3, 2011

February - Thursday, March 3, 2011

March - Tuesday, April 5, 2011

April - Thursday, May 5, 2011

May - Friday, June 3, 2011

June - Tuesday, July 5, 2011

*Statements will cycle the following Business Day

Annual percentage yield (APY) is accurate as of 02/08/2010. Rates, qualifications and rate tiers are subject to change without notice. Minimum to open is $100. Account requires the following: 12 point of sale check card transactions; 1 ACH direct deposit or Electronic Transfer of Funds (EFT); e-statements; and monthly access of online banking. All requirements must be completed and POSTED no later than the 5th of each month, and should the 5th fall on a weekend it will be the Thursday prior to the 5th. All Great Rate accounts will begin qualification cycles on the 6th day of the month, and should the 6th fall on a weekend it will be the Friday prior to the 6th.

APY Rate tiers are as follows: Qualifying accounts receive 4.01% APY on balances of $0.01 - $15,000 and 1.01% APY on balances over $15,000. Non-qualifying accounts receive 0.10% APY on all balances. APY earned will appear on the monthly statement. Accounts with balances over $15,000 will receive a blended yield. Earnings may be reduced by fees.

ATM fees will be refunded up to $50 per cycle for qualifying accounts. Fees will be refunded on the last day of the statement cycle.

This account is for personal and consumer sole-proprietorships.