Checking Account Rates effective as of 11/1/2008

Checking Accounts	Minimum Balance	APY*	Dividend/ Interest Rate
Share Draft Checking	$100.00 to open	N/A	N/A
Campus Checking	$100.00	N/A	N/A
e-Checking	$500.00	0.40%	0.40%
Illini Advantage Checking	$300.00	0.30%	0.30%
Illini Advantage PLUS Checking	$100.00 to open	0.40%	0.40%

*APY = Annual Percentage Yield

All rates subject to change.