* The Annual Percentage Yield (APY) is 0.11% as of 03/19/2010 for a representative interest-bearing personal checking account. This is a variable rate account. Rate is subject to change. Fees could reduce the earnings.

¹We will pay $50 when you open a new Community First interest-bearing personal checking account and maintain a $1,000 average daily balance through three statement cycles. Receive an additional $25 when you sign up for Direct Deposit within the first three statement cycles. We will pay you an additional $25 when you sign up for two or more of the following: eStatement, Online Banking with Bill Pay and/or Automated Payment (ACH) within the first three statement cycles. Customers who do not maintain a $1,000 average daily balance are not eligble for the $50 account opening bonus, but may qualify for one or both of the $25 bonus(es). New interest-bearing personal checking accounts only. Must present coupon to receive offer. Cannot be combined with other checking offers. Qualified bonus paid via automatic payment into your new account after the third statement cycle and reported as income on Form 1099-INT. Limit one bonus per customer. Total bonus may not exceed $100. Available for a limited time only. Community First reserves the right to cancel this offer at any time. Truth in Savings disclosures will be provided at account opening. Promo Code: DDACASH

³Good for a one-time refund for one of the following fees: paid NSF item, returned NSF item, Stop Payment. Value as a of August 5, 2009: $29.95. Offer good for one year after account opening date.