Bank Star’s Golden Passbook is a golden opportunity to earn a top-market Annual Percentage Yield (APY)* with FDIC-insured protection.

In these volatile economic times, you should be taking advantage of smart money management with a Bank Star Golden Passbook (TM Reg.) Savings Account. A Golden Passbook gives you flexibility, accessibility, and a very competitive annual percentage yield on your money.

• $25,000 minimum balance to open
• Three withdrawals per quarter
• Quarterly statements
• Quarterly compounding
• High Annual Percentage Yield
• Unlimited deposits
• Holds funds during volatile market periods

Golden Passbook Account holders can now also enjoy these added benefits:

• Everyday Rebate Rewards—Get cash back—simply by purchasing items you use everyday. Save your receipts when you buy groceries, eat out, purchase clothing, or buy pet supplies. At the end of quarter,send the receipts (up to $100) with your Everyday Rebate Rewards request form, and receive 10% cash back.
  
  
• Savers Club® and Grocery Coupons—Save up to 50% on rack-room rates at over 3,500 participating lodging properties from coast to coast. Plus, you’ll find discount offers from theme parks, and car rental companies. You will receive a new bargain-filled Savers Club Book every year. (See program rules of use for complete details.)
  Your Grocery Coupon Certificate Booklet entitles you to hundreds of dollars worth of grocery coupons annually. Choose from a list of around 1000 brand name coupons.
  
  
• H Rx Advantage™ Prescription Drug Program—YourRx Advantage card grants you preferred pricing on many prescription medications at participating pharmacies nationwide. And you’ll have the added security of our prescription drug-monitoring program alerting your pharmacist to important information about your prescription. (This program is not insurance.)
  
  
• Bonus Travel — Make travel plans and save money 24-hours a day. Use the 24-hour travel reservation service for the best fares. Save 5% to 25% by calling the Vacation Savings Hotline. Also receive cash bonus checks in the mail after completing trips arranged by Bonus Travel.
  
  
• Medical Emergency Data Card — Carry your vital health and medical information on this handy card wherever you go. It’s a quick reference for emergency personnel and you can update the card every year.
  
  
• Preferred Dental —Save 10%-40% on dental care at participating dental providers. No claims to file and no waiting for refunds.

Discover why the Golden Passbook is the smart savings idea for the careful saver! Look at APY. Flexibility. Accessibility. Safety.

Open your Golden Passbook Account TODAY!

* $25,000 minimum balance. This is a tiered-rate account. Rates are subject to change on the first day of each calendar quarter. Notification of any rate change will be mailed to depositors via the U.S. Mail, 30 days prior to change. FDIC insured up to current limits. Member FDIC.

Rate Information
Interest will be paid the rate shown below for the entire balance in the account.
If Account Balance is: LESS THAN $25,000
Interest Rate: 0.25%
Annual Percentage Yield: 0.25%

If Account Balance is: $25,000 AND OVER
Interest Rate: .50%
Annual Percentage Yield: .50%

Annual Percentage Yield is accurate as of 07/01/10. Fees could reduce earnings on the account.

Frequency of Rate Changes
Your interest rate and annual percentage yield may change every QUARTER.

Determination of Rate
Subject to change on the first day of each calendar quarter. Notification of any rate changes will be mailed to depositors via U.S. mail, thirty days prior to change.

Compounding and Crediting Frequency
Interest will be compounded QUARTERLY.
Interest will be credited to your account QUARTERLY.

Effect of closing account
If you close your account before interest is credited, you will not receive the accrued interest.

Balance Requirements to Open the Account
You must deposit $25,000.00 to open this account.
To obtain the disclosed Annual Percentage Yield, you must maintain a daily balance of $25,000.00 in the account.

Daily Balance Computation Method
We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account.

Accrual of Interest on Noncash Deposits
Interest begins to accrue no later than the business day that we receive credit for the deposit of noncash items (for example, checks).

Fees
You may make three withdrawals per quarter at no charge.
There will be a $10.00 fee for each withdrawal over three per quarter