Common use of TRUTH IN SAVINGS Clause in Contracts

TRUTH IN SAVINGS. Interest The interest rate and Annual Percentage Yield (“APY”) applicable to the entire balance in your HSA Deposit Account on any given day will depend on which of the specific balance ranges your daily Account balance falls within on that day. The balance ranges are described below, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level. Balance Levels Tier Balance Interest Rate APY I $0.00 – 999.99 0.10% 0.10% II $1,000.00 – 4,999.99 0.15% 0.15% III $5,000.00 – 14,999.99 0.25% 0.25% IV $15,000.00 and over 0.50% 0.50% We reserve the right to change the interest rate and APY on your Deposit Account at any time in our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid. Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Schedule of Fees You are responsible for the payment of the fees set forth in our Schedule of Fees, below. However, in some instances, the fees, or a portion thereof, may be paid by an Employer, Plan Service Provider, or insurance carrier. To the extent that the fees are not paid by another entity, we will deduct the fees from your Deposit Account. These charges are subject to change by us at any time (including, but not limited to, the expiration of your High Deductible Health Plan), upon notice to you as required by applicable law. Online Enrollment Fee $0.00 Check Copies $10.00 (per copy) Paper Enrollment Fee $10.00 Wire Transfer $10.00 Monthly Service Charge $0.00 ATM Withdrawal Fee (when ATM access is allowed) $2.50 Debit Card Transactions $0.00 Account Closing Fee $15.00 Overdraft or items returned for insufficient funds* $25.00 (per item) Check Reimbursement $15.00 (per check) Stop Payment Request $20.00 (per item) Returned Deposited Item $3.00 (per item) FUNDS AVAILABILITY Availability Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. (There may be some exceptions (See “Longer Delays May Apply” and “Special Rules for New Accounts” below). Electronic direct deposits (such as an ACH credit transfer from your employer) will be available on the day we receive the deposit. Electronic debit transfers from another deposit account to your HSA Deposit Account (such as a transfer made using our Web site tools) will generally be available within three (3) business days after the day you enter the transfer online. Once your deposits are available, you can withdraw the funds in cash and we will use the funds you deposit to pay checks you have written.

TRUTH IN SAVINGS. Interest The interest rate and Annual Percentage Yield (“APY”) applicable to the entire balance in your HSA Deposit Account on any given day will depend on which of the specific balance ranges your daily Account balance falls within on that day. The balance ranges are described below, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level. Balance Levels Tier Balance Interest Rate APY I $0.00 – 999.99 0.100.05% 0.100.05% II $1,000.00 – 4,999.99 0.150.10% 0.150.10% III $5,000.00 – 14,999.99 0.250.20% 0.250.20% IV $15,000.00 and over 0.500.45% 0.500.45% We reserve the right to change the interest rate and APY on your Deposit Account at any time in our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid. Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Schedule of Fees You are responsible for the payment of the fees set forth in our Schedule of Fees, below. However, in some instances, the fees, or a portion thereof, may be paid by an Employer, Plan Service Provider, or insurance carrier. To the extent that the fees are not paid by another entity, we will deduct the fees from your Deposit Account. These charges are subject to change by us at any time (including, but not limited to, the expiration of your High Deductible Health Plan), upon notice to you as required by applicable law. Online Enrollment Fee $0.00 Check Copies $10.00 (per copy) Paper Enrollment Fee $10.00 Wire Transfer $10.00 Monthly Service Charge $0.00 ATM Withdrawal Fee (when ATM access is allowed) $2.50 Debit Card Transactions $0.00 Account Closing Closing/Transfer Fee $15.00 Overdraft or items returned for Items presented against insufficient funds* funds $25.00 (per item) Check Reimbursement $15.00 (per check) Stop Payment Request $20.00 (per item) Returned Deposited Item $3.00 (per item) **Returned Item Fee applies when a check or draft (if such access is provided) is presented against insufficient funds or when a debit card or other electronic transaction is posted despite insufficient funds in your account. FUNDS AVAILABILITY Availability Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. (There may be some exceptions (See “Longer Delays May Apply” and “Special Rules for New Accounts” below). Electronic direct deposits (such as an ACH credit transfer from your employer) will be available on the day we receive the deposit. Electronic debit transfers from another deposit account to your HSA Deposit Account (such as a transfer made using our Web site tools) will generally be available within three (3) business days after the day you enter the transfer online. Once your deposits are available, you can withdraw the funds in cash and we will use the funds you deposit to pay checks you have written.

TRUTH IN SAVINGS. Interest The interest rate and Annual Percentage Yield (“APY”) applicable to the entire balance in your HSA Deposit Account on any given day will depend on which of the specific balance ranges your daily Account balance falls within on that day. The balance ranges are described below, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level. Balance Levels Tier Balance Interest Rate APY I $0.00 – 999.99 0.100.05% 0.100.05% II $1,000.00 – 4,999.99 0.150.10% 0.150.10% III $5,000.00 – 14,999.99 0.250.20% 0.250.20% IV $15,000.00 and over 0.500.45% 0.500.45% We reserve the right to change the interest rate and APY on your Deposit Account at any time in our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid. Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Schedule of Fees You are responsible for the payment of the fees set forth in our Schedule of Fees, below. However, in some instances, the fees, or a portion thereof, may be paid by an Employer, Plan Service Provider, or insurance carrier. To the extent that the fees are not paid by another entity, we will deduct the fees from your Deposit Account. These charges are subject to change by us at any time (including, but not limited to, the expiration of your High Deductible Health Plan), upon notice to you as required by applicable law. Online Enrollment Fee $0.00 .00 Check Copies $10.00 (per copy) Paper Enrollment Fee $10.00 Wire Transfer $10.00 Monthly Service Charge $0.00 2.50-Waived if your avg. daily balance is $3,000.00 or above ATM Withdrawal Fee (when ATM access is allowed) $2.50 Debit Card Transactions $0.00 Account Closing Closing/Transfer Fee $15.00 Overdraft or items returned for Items presented against insufficient funds** $25.00 (per item) Check Reimbursement $15.00 (per check) Stop Payment Request $20.00 (per item) Returned Deposited Item $3.00 (per item) **Returned Item Fee applies when a check or draft (if such access is provided) is presented against insufficient funds or when a debit card or other electronic transaction is posted despite insufficient funds in your account. FUNDS AVAILABILITY Availability Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. (There may be some exceptions (See “Longer Delays May Apply” and “Special Rules for New Accounts” below). Electronic direct deposits (such as an ACH credit transfer from your employer) will be available on the day we receive the deposit. Electronic debit transfers from another deposit account to your HSA Deposit Account (such as a transfer made using our Web site tools) will generally be available within three (3) business days after the day you enter the transfer online. Once your deposits are available, you can withdraw the funds in cash and we will use the funds you deposit to pay checks you have written.

TRUTH IN SAVINGS. Interest The interest rate and Annual Percentage Yield (“APY”) applicable to the entire balance in your HSA Deposit Account on any given day will depend on which of the specific balance ranges your daily Account balance falls within on that day. The balance ranges are described below, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level. Balance Levels Tier Balance Interest Rate APY I $0.00 – 999.99 0.100.05% 0.100.05% II $1,000.00 – 4,999.99 0.150.10% 0.150.10% III $5,000.00 – 14,999.99 0.250.20% 0.250.20% IV $15,000.00 and over 0.500.45% 0.500.45% We reserve the right to change the interest rate and APY on your Deposit Account at any time in our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid. Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Schedule of Fees You are responsible for the payment of the fees set forth in our Schedule of Fees, below. However, in some instances, the fees, or a portion thereof, may be paid by an Employer, Plan Service Provider, or insurance carrier. To the extent that the fees are not paid by another entity, we will deduct the fees from your Deposit Account. These charges are subject to change by us at any time (including, but not limited to, the expiration of your High Deductible Health Plan), upon notice to you as required by applicable law. Online Enrollment Fee $0.00 .00 Check Copies $10.00 (per copy) Paper Enrollment Fee $10.00 Wire Transfer $10.00 Monthly Service Charge $0.00 2.50-Waived if your avg. daily balance is $3,000.00 or above ATM Withdrawal Fee (when ATM access is allowed) $2.50 Debit Card Transactions $0.00 Account Closing Closing/Transfer Fee $15.00 Overdraft or items returned for Items presented against insufficient funds** $25.00 (per item) Check Reimbursement $15.00 (per check) Stop Payment Request $20.00 (per item) Paper Bank Statements $1.50 (per quarter) Returned Deposited Item $3.00 (per item) **Returned Item Fee applies when a check or draft (if such access is provided) is presented against insufficient funds or when a debit card or other electronic transaction is posted despite insufficient funds in your account. FUNDS AVAILABILITY Availability Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. (There may be some exceptions (See “Longer Delays May Apply” and “Special Rules for New Accounts” below). Electronic direct deposits (such as an ACH credit transfer from your employer) will be available on the day we receive the deposit. Electronic debit transfers from another deposit account to your HSA Deposit Account (such as a transfer made using our Web site tools) will generally be available within three (3) business days after the day you enter the transfer online. Once your deposits are available, you can withdraw the funds in cash and we will use the funds you deposit to pay checks you have written.

TRUTH IN SAVINGS. Interest The interest rate and Annual Percentage Yield (“APY”) applicable to the entire balance in your HSA Deposit Account on any given day will depend on which of the specific balance ranges your daily Account balance falls within on that day. The balance ranges are described below, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level. Balance Levels Tier Balance Interest Rate APY I $0.00 – 999.99 0.100.05% 0.100.05% II $1,000.00 – 4,999.99 0.150.10% 0.150.10% III $5,000.00 – 14,999.99 0.250.20% 0.250.20% IV $15,000.00 and over 0.500.45% 0.500.45% We reserve the right to change the interest rate and APY on your Deposit Account at any time in our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid. Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Schedule of Fees You are responsible for the payment of the fees set forth in our Schedule of Fees, below. However, in some instances, the fees, or a portion thereof, may be paid by an Employer, Plan Service Provider, or insurance carrier. To the extent that the fees are not paid by another entity, we will deduct the fees from your Deposit Account. These charges are subject to change by us at any time (including, but not limited to, the expiration of your High Deductible Health Plan), upon notice to you as required by applicable law. Online Enrollment Fee $0.00 Check Copies $10.00 (per copy) Paper Enrollment Fee $10.00 Wire Transfer $10.00 Monthly Service Charge $0.00 ATM Withdrawal Fee (when ATM access is allowed) $2.50 Debit Card Transactions $0.00 Account Closing Fee $15.00 Overdraft or items returned for insufficient funds* funds $25.00 (per item) Check Reimbursement $15.00 (per check) Stop Payment Request $20.00 (per item) Returned Deposited Item $3.00 (per item) FUNDS AVAILABILITY Availability Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. (There may be some exceptions (See “Longer Delays May Apply” and “Special Rules for New Accounts” below). Electronic direct deposits (such as an ACH credit transfer from your employer) will be available on the day we receive the deposit. Electronic debit transfers from another deposit account to your HSA Deposit Account (such as a transfer made using our Web site tools) will generally be available within three (3) business days after the day you enter the transfer online. Once your deposits are available, you can withdraw the funds in cash and we will use the funds you deposit to pay checks you have written.

TRUTH IN SAVINGS. Interest The interest rate and Annual Percentage Yield (“APY”) applicable to the entire balance in your HSA Deposit Account on any given day will depend on which of the specific balance ranges your daily Account balance falls within on that day. The balance ranges are described below, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level. Balance Levels Tier Balance Interest Rate APY I $0.00 – 999.99 0.100.05% 0.100.05% II $1,000.00 – 4,999.99 0.150.10% 0.150.10% III $5,000.00 – 14,999.99 0.250.20% 0.250.20% IV $15,000.00 and over 0.500.45% 0.500.45% We reserve the right to change the interest rate and APY on your Deposit Account at any time in our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid. Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Schedule of Fees You are responsible for the payment of the fees set forth in our Schedule of Fees, below. However, in some instances, the fees, or a portion thereof, may be paid by an Employer, Plan Service Provider, or insurance carrier. To the extent that the fees are not paid by another entity, we will deduct the fees from your Deposit Account. These charges are subject to change by us at any time (including, but not limited to, the expiration of your High Deductible Health Plan), upon notice to you as required by applicable law. Online Enrollment Fee $0.00 .00 Returned Deposited Item $3.00 (per item) Paper Enrollment Fee $10.00 Check Copies $10.00 (per copy) Paper Enrollment Fee $10.00 Wire Transfer $10.00 Monthly Service Charge $0.00 Wire Transfer $10.00 Paper Statement Fee* $1.50 per quarter ATM Withdrawal Fee (when ATM access is allowed) $2.50 Debit Card Transactions $0.00 Account Closing Closing/Transfer Fee $15.00 Overdraft or items returned for Items presented against insufficient funds** $25.00 (per item) Check Reimbursement $15.00 (per check) Stop Payment Request $20.00 (per item) Returned Deposited Item $3.00 *If electronic statements are made available to you, and you wish to avoid the Paper Statement Fee, you must sign up to receive electronic statements on your HSA administrator’s website. If you do not receive electronic statements, you will be charged a Paper Statement Fee. This fee will be deducted from your Deposit Account. **This fee applies when a check or draft (per itemif such access is provided) is presented against insufficient funds or when a debit card or other electronic transaction is posted despite insufficient funds in your account. FUNDS AVAILABILITY Availability Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. (There may be some exceptions (See “Longer Delays May Apply” and “Special Rules for New Accounts” below). Electronic direct deposits (such as an ACH credit transfer from your employer) will be available on the day we receive the deposit. Electronic debit transfers from another deposit account to your HSA Deposit Account (such as a transfer made using our Web site tools) will generally be available within three (3) business days after the day you enter the transfer online. Once your deposits are available, you can withdraw the funds in cash and we will use the funds you deposit to pay checks you have written.

TRUTH IN SAVINGS. Interest The interest rate and Annual Percentage Yield (“APY”) applicable to the entire balance in your HSA Deposit Account on any given day will depend on which of the specific balance ranges your daily Account balance falls within on that day. The balance ranges are described below, and the initial interest rate and APY currently applicable to each are disclosed next to the particular balance level. Balance Levels Tier Balance Interest Rate APY I $0.00 – 999.99 0.10.20% 0.10.20% II $1,000.00 – 4,999.99 0.15.40% 0.15.40% III $5,000.00 – 14,999.99 0.25.60% 0.25.60% IV $15,000.00 and over 0.501.10% 0.501.10% We reserve the right to change the interest rate and APY on your Deposit Account at any time in our sole discretion. We are not required to notify you in advance of those changes. We also reserve the right to change the balance levels on which different rates of interest may be paid. Interest will be credited to your Deposit Account at the end of each monthly statement cycle and will be compounded monthly. If you close your Deposit Account before interest is credited, you will not receive any accrued (but not yet credited) interest. We use the daily balance method to calculate interest on your Deposit Account. This method applies a daily periodic rate to the balance in your Deposit Account each day. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (i.e., checks). Schedule of Fees You are responsible for the payment of the fees set forth in our Schedule of Fees, below. However, in some instances, the fees, or a portion thereof, may be paid by an Employer, Plan Service Provider, or insurance carrier. To the extent that the fees are not paid by another entity, we will deduct the fees from your Deposit Account. These charges are subject to change by us at any time (including, but not limited to, the expiration of your High Deductible Health Plan), upon notice to you as required by applicable law. Online Enrollment Fee $0.00 Check Copies $10.00 (per copy) Paper Enrollment Fee $10.00 Wire Transfer $10.00 Monthly Service Charge $0.00 ATM Withdrawal Fee (when ATM access is allowed) $2.50 Debit Card Transactions $0.00 Account Closing Fee $15.00 Overdraft or items returned for insufficient funds* $25.00 (per item) Check Reimbursement $15.00 (per check) Stop Payment Request $20.00 (per item) Returned Deposited Item $3.00 (per item) FUNDS AVAILABILITY Availability Generally, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. (There may be some exceptions (See “Longer Delays May Apply” and “Special Rules for New Accounts” below). Electronic direct deposits (such as an ACH credit transfer from your employer) will be available on the day we receive the deposit. Electronic debit transfers from another deposit account to your HSA Deposit Account (such as a transfer made using our Web site tools) will generally be available within three (3) business days after the day you enter the transfer online. Once your deposits are available, you can withdraw the funds in cash and we will use the funds you deposit to pay checks you have written.