HEALTH SAVINGS ACCOUNT DISCLOSURE OF ACCOUNT TERMS

The minimum balance required to open this account is $100.00.

Your interest rate and annual percentage yields may change at any time. At our discretion, we may change the interest rate on your account. You may inquire as to the current rate on your account by calling Eldon Main at 573-392-3381 or Versailles at 573-378-5464.

You may make an unlimited number of deposits into your account, subject to IRS regulations and limitations.

Interest will be compounded monthly and credited to your account monthly. The annual percentage yield assumes interest remains on deposit. A withdrawal of the interest will reduce earnings.

Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Interest will begin to accrue on the business day you deposit noncash items (for example, checks) into your account.

An HSA ShazamChek debit card with Citizens Bank will be issued for the account. All terms and conditions will apply as stated in our ShazamChek Cardholder agreement and Health Savings Account agreement.