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Terms:

Offer effective as of September 28, 2009, and is subject to change without notice. Checking offer applies to new personal Interest-Checking Accounts opened between September 28, 2009 and November 30, 2009. In order to receive the cash incentive, one of the following requirements must be met: a) the checking account must have a recurring (monthly) direct deposit within 90 days of account opening or the presence of at least five online bill payment transactions within 60 days of account opening. This offer cannot be combined with any other offer and can be withdrawn at any time without notice. Limit one offer per household.

$100 cash will be deposited into your new Harris personal Interest-Checking Account approximately 120 days after account opening and will be reported as interest income on IRS form 1099 INT. New checking account must remain in good standing in order to receive offer.

**$100 in Dining Dough will be awarded at the time of account opening. Limit one $100 in Dining Dough per household. Dining Dough promotional certificates are issued by Restaurant.com ("RDC") and may be redeemed solely for merchandise offered through www.diningdough.com. Dining Dough promotional certificates have no cash value and may not be redeemed for cash at any time. Dining Dough promotional certificates are not valid for prior purchases. The products available through www.diningdough.com are subject to change without prior notice. RDC restaurant-specific certificates come primarily in $25 denominations. Only one (1) restaurant-specific certificate may be used per restaurant visit. Upon redemption of a Dining Dough promotional certificate for a restaurant certificate, all rules and limitations of the participating restaurant (which may include minimum purchase requirements) apply. RDC, Harris N.A. and its affiliates ("Harris") do not guarantee that a particular merchant will be available at all times and are not responsible for restaurants that go out of business or change their location(s). The restaurant locations listed on the website are listed as a guide only, and RDC and Harris do not guarantee the accuracy of this information. RDC and Harris do not assume responsibility or liability for the actions, product or content of any restaurant. RDC and Harris are not responsible for lost or stolen Dining Dough promotional certificates or reference numbers. Dining Dough promotional certificates have no value except when used in accordance with the Terms and Conditions. You, and any other user of Dining Dough certificates, discharge and hold harmless RDC, Harris and its employees, officers and directors from all claims, damages, expenses and inconvenience, including but not limited to physical injury arising out of participation in Dining Dough. The value of the incentive(s) will be reported on IRS form 1099 INT as interest.

***$50 will be deposited into your savings account after Auto Save feature is activated and will be reported as interest income on IRS form 1099 INT. To qualify for this offer, you need a personal Harris savings account or Harris Money Market Account and the Auto Save option. Minimum opening balances are required. Certain terms and conditions apply. Limit three per household, with savings accounts titled in different names. New checking account must remain open and in good standing in order to receive the offer.