*UFBDirect guarantees an APY of 4.00% until January 1, 2009. After that date we pledge to keep the yield on your account in the top 10% of competitive accounts as tracked in the Bankrate.com National Index™ of leading banks and thrifts.

**Annual Percentage Yield. The above APY is accurate as of 11/12/2008 and is subject to change at any time.

1 National average published on 11/11/2008 by Bankrate, Inc. Although the information has been obtained from the various institutions themselves, the accuracy cannot be guaranteed.

A $500.00 minimum deposit is required to open UFB Direct Traveler Savings account. $500 minimum balance required to earn interest. Mileage award of 500 miles will be posted to the Addvantage® Member Number for those customers who have maintained a minimum balance of $500.00 for 90 days from the date the account funded.

All deposit products offered through this Banking Center will be opened and deposit processing services provided by The Huntington National Bank. The deposit products are FDIC insured by one of the participating financial institutions, to the full extent of the law.