Checking Rates

Effective Date: May 6, 2008

Product	Minimum to Open	Interest Rate	APY*	Minimum Balance to Earn APY
Preferred Checking***	$50	0.34%	0.35%	under $2500
		0.74%	0.75%	$2500 and over
Edge Checking	$50
		0.25%	0.25%	$500 to $2,499.99
		0.49%	0.50%	$2,500 and over
Edge 50 Checking	$50
		0.25%	0.25%	under $2,500
		0.49%	0.50%	$2,500 and over
High Yield Checking**	$50
		0.25%	0.25%	under $5,000
		0.49%	0.50%	$5,000 - $24,999.99
		2.05%	2.10%	$25,000 - $49,999.99
		2.29%	2.35%	$50,000 - $99,999.99
		2.44%	2.50%	$100,000 or more

*Annual Percentage Yield
Fees could reduce earnings.
Rates are subject to change.

**Funds transferred from other Investors Savings Bank accounts are not eligible.
***Preferred Banking customers only