ROCK SPRINGS NATIONAL BANK
DISCLOSURE OF INTEREST, FEES AND ACCOUNT TERMS HEALTH SAVINGS PLAN

MINIMUM BALANCE REQUIREMENTS

• THERE ARE NO MINIMUM BALANCE REQUIREMENTS AND NO MINIMUM INITIAL DEPOSIT REQUIREMENT
  

FEES

• $25.00 TO TRANSFER TO ANOTHER SOURCE     
• $15.00 FOR INSUFFICIENT FUNDS ITEM PAID
• $15.OO FOR INSUFFICIENT FUNDS ITEM RETURNED UNPAID
• $3.00 OVERDRAFT FEE FOR EACH DAY YOUR ACCOUNT IS OVERDRAWN BY $5.00 OR MORE

BALANCE COMPUTATION METHOD

• INTEREST IS CALCULATED BY USING THE DAILY BALANCE METHOD WHICH APPLIES A DAILY PERIODIC RATE TO THE BALANCE IN THE ACCOUNT EACH DAY

RATE INFORMATION

• A CUSTOMER SERVICE REPRESENTATIVE WILL PROVIDE YOU WITH A RATE SHEET. YOUR INTEREST RATE AND ANNUAL PERCENTAGE YIELD MAY CHANGE. AT OUR DISCRETION, WE MAY CHANGE THE RATE FOR YOUR ACCOUNT AT ANY TIME

COMPOUNDING AND CREDITING

• INTEREST WILL BE COMPOUNDED AND CREDITED MONTHLY ON THE LAST BUSINESS DAY OF THE MONTH. IF YOU CLOSE YOUR ACCOUNT BEFORE INTEREST IS CREDITED, YOU WILL RECEIVE THE ACCRUED INTEREST

ACCRUAL OF INTEREST ON NON-CASH DEPOSITS

• INTEREST BEGINS TO ACCRUE NO LATER THAN THE BUSINESS DAY WE RECEIVE CREDIT FOR THE DEPOSIT OF NON-CASH ITEMS

TRANSACTION LIMITATIONS

• NONE

OTHER TERMS

• THIS ACCOUNT WILL CONSIST OF A CHECKING SUB ACCOUNT AND A SAVINGS SUB ACCOUNT. THE BANK MAY PERIODICALLY TRANSFER FUNDS BEWEEN THESE TWO SUB ACCOUNTS. IF YOUR ACCOUNT IS A PLAN ON WHICH INTEREST IS PAID, YOUR INTEREST CALCULATION WILL REMAIN THE SAME. OTHERWISE, THE SUB SAVINGS ACCOUNT WILL NOT BE INTEREST BEARING. THE SAIVNGS SUB ACCOUNT WILL BE GOVERNED BY THE SAME RULES GOVERNING OUR OTHER SAVINGS ACCOUNTS. THIS PROCESS WILL NOT AFFECT YOUR AVAILABLE BALANCE, THE INTEREST YOU MAY EARN, FDIC INSURANCE PROTECTION, OR YOUR MONTHLY STATEMENT.

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