1 Subject to certain restrictions, including credit eligibility for Debit Card privileges. Point of sale Debit Card transactions will always debit attached Checking account. An ATM card will be issued with each new checking account opened.

2 There is a $4.50 monthly fee for Basic Interest Checking Accounts. Monthly service fees may be waived on this account with (1) a recurring (i.e. monthly) direct deposit; or (2) a minimum daily balance of $500 or more.

3 APY=Annual Percentage Yield

Notes: Fees may reduce earnings. APY is accurate as of 09/08/2008 .The interest rate and APY may change after the account is opened. New South Federal reserves the right to change the terms, interest rate or APY at any time without notice, and to change a customer's product if the requirements of the account are not met (e.g. age requirements, required direct deposit, etc.). Interest begins to accrue no later than the business day New South receives your deposit for non-cash items (for example, checks). Interest is not considered earned until posted. Closing an account prior to posting will result in the loss of accrued interest.

Deposit accounts are subject to approval.