(1) APY=Annual Percentage Yield. Rates subject to change. In order to receive the highest APY, all of the following is required: (a) Receive Direct Deposit OR actively use free online Bill Pay (one payment per month); (b) Receive your monthly bank statement and notices on your account electronically; AND (c) Use your Absolute Checking Visa Check Card at least 15 times per month for purchases. If all requirements are not met, the lowest percentage rate will be paid on the entire account balance. Rates are determined based on the activity of the prior month. If requirements are met, rates quoted as of October 1, 2009, were the following: 4% APY on $0 - $50,000; 1.75% APY on dollars over $50,000 and up to $100,000; 0.04% APY on all deposits over $100,000 and non-qualifying accounts. $100 minimum opening deposit required. See Account Disclosure for terms and conditions. (2) Free ATMs refers to ViewPoint Bank ATM fees only. ATM owner may still charge fee. (3) ViewPoint Custom Checks only. One box of checks per order. (4) Bill-pay considered active when at least one payment is processed per month.