Deposit Accounts:

Springboard Savings® Account

Save your money with an account that pays you a premium interest rate. The Springboard Savings® Account is ATB Financial's first class savings account that pays one great rate on your total balance. You always have access to your money and no minimum balance is required.

	Springboard Savings® Account
	Effective June 02, 2009: Account Balance Interest Rate  $0 - 5,000,000 0.75%  $5,000,001 and over 0.00%

	Account Features
	Monthly fee None Electronic transfers to ATB accounts (Internet Banking, Telephone Banking, ABM Transfers, Automatic Transfers) Free Telephone banking inquiries Free Detailed monthly statement Free   Plus 1 free of the following debits per month, thereafter, the following fees apply:  In-branch debits $5.00 each  Direct payment purchases $5.00 each  Pre-authorized debits $5.00 each  ABM debits at ATB machines $5.00 each  ABM debits at other institutions' machines1 $1.50 each  Internet or telephone bill payments1 $5.00 each  Chequing privileges are not permitted2 $5.00 each

Deposit Interest:

• Interest is calculated on the daily closing balance and is paid monthly (interest rates shown above are annual rates).

Free telephone banking transfers make the Springboard Savings Account a perfect compliment to one of our other transaction accounts.