EARN Reward Rate 1.76% APY* On your entire Savings balance	AND Reward Rate 3.91%APY On Checking balance up to $50,000

PLUS ATM Fee Refunds Nationwide!**

Williamstown Bank's RealSaver savings account works with your Rewards Checking account to help you save.  The interest and ATM fee refunds earned on your Rewards Checking will automatically be transferred to your RealSaver account at the end of each statement cycle.  Both the Rewards Checking and the RealSaver accounts are free accounts with no minimum balance requirements and monthly service charges.

To earn your Rewards, just complete the following qualifications on your Williamstown Bank Rewards Checking account each statement cycle:              1) Make 10 Debit Card Transactions  2) Set up One Direct Deposit or ACH auto debit  3) Enroll and receive electronic statements

*Annual Percentage Yield (APY) accurate as of October 14, 2009.  Minimum to open account is $100.  Rate tiers are as follows:  3.91% APY on checking balances up to $50,000, 1.26% APY will be paid on balances over $50,000, and 1.76% APY on full savings balances each statement cycle that qualifications are met.  If qualifications are not met, full checking balance will receive .25% APY and full savings balances will earn .50% APY for the statement cycle.  Rates are variable and can change at any time.  Fees may reduce earnings (i.e. overdraft fees, stop payment fees, etc.).  **ATM refunds up to $20 per statement cycle if qualifications are met.