Each month you meet our minimum Green Reward requirements*, you'll earn an amazing 4.01% APY** on your balances under $100,000 and 1.01% APY on your balances $100,000 and above. Plus, if you use another bank's ATM, we'll automatically refund ATM fees up to $25 per month***. Green Reward accounts are totally free and come with MasterMoney check cards and free access to online banking and BillPay services. For more information jump on over to FrogReward.com.

• No minimum balance
• Minimum balance to open $100
• No monthly maintenance fees
• Free online banking and unlimited bill pay
• Free MasterMoney Debit Card

* Requirements per qualification cycle, a period beginning one business day prior to the current statement cycle through one business day prior to the close of the current statement cycle.

** 4.01% Annual Percentage Yield (APY) paid on balances $0-$99,999.99 and 1.01% APY paid on balances $100,000 and above each cycle the requirements are met. If you do not meet the requirements per cycle, your account will earn 0.50% APY; however, you will not receive ATM fee refunds for that time period.

*** Nationwide ATM fee refunds up to $25 per cycle if requirements are met.

We may change the interest rate and APY at any time after the account is opened. Green Reward is available to consumer accounts only. APY accurate as of April 1, 2008.

To receive the maximum rate plus Nationwide ATM Refunds, perform the following requirements per qualification cycle.

• Receive one direct deposit or authorize one ACH auto transaction.
• Make 10 debit card transactions.
• Make one bill pay transaction through BankHiawassee.com.
• Receive eVue electronic statement.

Additional terms:

The interest rate and annual percentage yield for your account depend on the applicable rate tier. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time. If you close your account before interest is credited, you will not receive the accrued interest. Interest will be compounded daily and credited to your account on the last day of each statement period. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items. We reserve the right to at any time require not less than 7 days notice in writing before any withdrawal from an interest bearing account.

Account holders over 55 get special benefits with Green Reward Checking.

• Free checks in three styles
• Free financial planning review
• Free notary service
• Free traveler's checks