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[Mr.B]

Usage requirements are as follows: you must meet 3 of the following 4 requirements: be enrolled in Free Bill Pay, enrolled in Online Statements, have a minimum of one (1) incoming Direct Deposit or ACH credit on your checking account within 90 days of account opening or use your Check Card a minimum of three (3) times within the first 90 days of account opening.

Check Card transactions can be ATM, point-of-sale (POS) with PIN or signature based transactions. New accounts will be reviewed three full calendar months after account opening and the $101 will be credited to your checking account within four calendar months of account opening upon meeting usage requirements. $101 incentive is subject to Internal Revenue Service and other tax reporting.

Please consult your tax advisor. This offer does not apply to second or multiple checking accounts, existing accounts, or existing accounts that have been closed and reopened.

All accounts require a minimum opening deposit of $100.

For Interest Checking the Annual Percentage Yield (APY) is 0.15% on balances $25,000 and above and 0.10% APY on balances below $24,999.99. The APY on Premium Checking is 1.25% APY on balances $250,000 and over; 1.15% APY on balances of $100,000 - $249,999.99; 1.01% APY on balances of $50,000 - $99,999.99; 0.70% APY on balances of $25,000 - $49,999.99; 0.40% APY on balances $10,000 - $24,999.99 and 0.25% APY on balances below $9,999.99.

All APYs stated are as of December 4, 2008 and may change at any time. Fees may reduce earnings.

Offer effective December 4, 2008 and is subject to change without notice.

http://www.sterlings...6;101/disc.html