• Open your account with at least $100
• Sign up for Direct Deposit (if available)
• Receive your monthly bank statements and all notices regarding your account electronically
• Use your Legacy Bank VISA® Check Card on this account at least 12 times per month for purchases of goods or services

• Pay a strong rate (currently 6.00% APY) on account balances up to $50,000 and

provide you with...

• Free Legacy Bank VISA® Check Card
• Free eBanking
• Free eStatements with e-mail notification
• Legacy Bill Pay
• Free first order of Legacy Bank checks

• ATM fees could be history. We’ll pay up to $3 of any fee at any ATM worldwide as long as you withdraw at least $100.
• Or, use our network of over 500 fee-free ATMs and withdraw any amount you like.
• For a complete listing, visit legacybank.com/atms

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STATEMENTS
All Win/Win Checking® accounts receive a monthly statement electronically. A monthly e-mail notification will be sent to the e-mail address provided by the customer. Statements will be available online through the customer’s eBanking account. The customer has the responsibility to inform us of changes in e-mail address. If we are unable to contact the customer through alternate methods after receiving an undeliverable e-mail message, the account will revert to a Free Checking account which does not earn interest, and a paper statement will be sent to the mailing address on file.

INTEREST CALCULATION AND CREDITING
The Annual Percentage Yield of 6.00% and corresponding interest rate of 5.84% quoted here are current as of August 1, 2007, and subject to change at the bank’s discretion. The APY of 6.00% will be paid on the portion of account balances up to $50,000 if the account requirements noted below are met. On the portion of account balances $50,000 and above, an APY and corresponding interest rate of .06% will be paid. For example, the effective APY on $75,000 would be 4.02%. The APY on this account may change at any time at the bank’s discretion. Interest is calculated using the daily balance method which applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the collected balance which includes funds for which we have received credit - no later than the business day we receive credit for the deposit of your non-cash items (i.e. checks). Interest is paid, compounded, and credited monthly. If you choose to close your account, any interest accrued but not yet paid is forfeited.

REQUIREMENTS TO EARN STATED APY
In order to earn the 6.00% APY on the first $50,000 in this account, the following requirements must be met. (1) A minimum of 12 Legacy Bank VISA® Check Card transactions must be recorded for the statement period for POS (point-of-sale) transactions for the purchase of goods or services. Only POS transactions count toward the requirement; ATM transactions are considered separate from POS transactions. (2) A valid e-mail address must be provided in order to receive monthly statements electronically. (3) Customer must sign up for eBanking within 30 days of opening the account. If the customer does not sign up for eBanking and provide a valid e-mail address within 30 days of opening the account, the account will revert to a Free Checking account. If the POS requirement is the only requirement not met, the APY of 0.06% will be paid on the entire account balance.

REQUIREMENTS TO RECEIVE ATM FEE REIMBURSEMENT
Non-Legacy ATM fees will be reimbursed up to $3 per transaction, and the Legacy ATM surcharges will be refunded, provided that the withdrawal is a minimum of $100 and the requirement of 12 POS transactions for the statement period has been met. On withdrawals of an amount less than $100, no fee or surcharge will be reimbursed.

MINIMUM BALANCE INFORMATION
This account requires a $100 minimum opening balance. There is no minimum balance to earn interest. Current customers may switch from their current account to this account without regard to the minimum balance requirement.

FEES AND CHARGES
For current rates, Annual Percentage Yields, and other account information, call 1-800-687-9688 or check rates at www.legacybank.com/rates. No maintenance fee will be charged on this account. See “Personal Account Service Charge Schedule” for a complete listing. If the account holder is signed up for Legacy Bill Pay and does not use it to pay at least one bill per month, a $5.00 fee for Legacy Bill Pay will be assessed.