*To be eligible for Zeugma Checking and Savings benefits, customers must fulfill 3 requirements: receive Direct Deposit, enroll in eStatements, and have 5 Debit transactions posted and cleared per month (excluding internal transfers). Eligible Zeugma Checking accounts will be reimbursed up to $15 per month in ATM surcharges assessed by other banks and will receive debit card cash rewards of 1% on “Qualifying Purchases” per month. The debit card cash back rewards and ATM surcharge refunds will be paid by the 15th of the following month for the accounts that qualify in the current statement cycle. Checking accounts subject to an inactivity fee of $10.00 for each 90 day period in which there is no customer initiated activity. No minimum balance required to be eligible. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-INT. One account per household. Not eligible with Step Anywhere relationship. “Qualifying Purchases” include signature purchase transactions only where the customer selects “credit” as the transaction type. Annual Percentage Yield (APY) effective as of 1/1/13. Interest rates may vary after account opening. $10 minimum balance to open Zeugma Savings and earn APY. The initial rate on the account shall be tiered. $10 minimum balance to open Zeugma Checking. When you are eligible for Zeugma Checking benefits, then the interest paid on Zeugma Savings in the next statement cycle on balances of $50,000 or less is 2.03% with an annual percentage yield (APY) of 2.05%; an interest rate of 0.20% APY will be paid only for that portion of your daily balance that is greater than $50,000. The annual percentage yield (APY) for this tier will range from 0.20% to 2.05% depending on the balance in the account. If you do not qualify for the Zeugma Checking, you will be paid 0.10% annual percentage yield (APY) on your entire balance in the Zeugma Savings. One account per household; Not eligible with Step Anywhere relationship.