BUSINESS MONEY MARKET ACCOUNTS

Disclosures

1. Standard variable interest rates are determined at the bank’s discretion and are subject to change at any time without notice. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting and other balance information. The minimum deposit required to open a Platinum Business Money Market account is $100. The $15 maintenance fee per statement cycle waived with a $10,000 minimum daily balance.

   How to obtain the rate: This special interest rate is only valid on new Platinum Money Market accounts for clients who do not have an existing business money market account or savings accounts or for clients with an existing business money market account or savings account that has been open for less than 30 days. This special interest rate is not valid for clients with a business money market or savings account closed within the last 30 days. Start getting the special interest rate by depositing at least $50,000 within 30 days of account opening. If you do not deposit $50,000 within 30 days, the standard interest rate will be applied, and your account will not be eligible for the special interest rate. To qualify for the special interest rate, deposits should represent funds that are not currently held at U.S. Bank and have not been recently withdrawn (within the past 30 days).

   How to maintain the rate: Maintain a minimum daily balance of at least $50,000 to continue earning the special interest rate. If the account balance falls below $50,000 or goes above $2,999,999.99, the standard interest rate will be applied until the account balance is at or above $50,000 or below $2,999,999.99 again. The special interest rate does not apply for Platinum Business Money Market accounts with balances outside of the balance tiers stated above. The full account balance will earn the standard variable interest rate in effect at that time until the account balance falls within the special rate balance tier.
   

   The balance tiers and standard interest rates are accurate as of today's date: Under $25,000: 0.05%; $25,000 to $49,999.99: 0.05%; $50,000 to $99,999.99: 0.50%; $100,000 to $249,999.99: 0.50%; $250,000 to $499,999.99: 0.50%; $500,000 to $999,999.99: 0.50%; $1,000,000 to $2,999,999.99: 0.75%; $3,000,000 and above: 1.14%.

   Interest and Fee Information: You must maintain the minimum daily balance needed for each tier to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change at the bank's discretion and may change at any time without notice. Interest will be compounded daily and credited to your account monthly. Fees will reduce your eligible balance, and deposits are needed to cover these fees to maintain the daily balance for this offer. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on the deposit begins to accrue on the business day we receive credit (and after any hold period). If you close your account before interest is credited, you will not receive the accrued interest. Fees could reduce earnings on the account. Other restrictions may apply.

2. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the screen.

   ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please contact us at 800-USBANKS (872-2657) for a refund of the surcharge fee.

   Please refer to the Business Pricing Information section titled “Other Service Fees” for a summary of ATM Transaction fees.

3. FDIC insured to the maximum allowed by law.

4. The daily balance is the balance at the end of each business day, equal to the beginning balance for that day plus the current business day credits, minus the current business day debits. Business days are Monday through Friday; federal holidays are not included. For additional information call 855-955-2760 or visit your local branch for a copy of Business Pricing Information disclosure or Business Essentials Pricing Information disclosure or refer to Your Deposit Account Agreement (YDAA).

5. Units are calculated by dividing each cash deposit by 100 and rounding the results value to a whole number.

6. APY (annual percentage yield) refers to how much money you earn on a deposit over a year, taking into account compounding interest.

7. You must maintain the minimum balance needed for each tier in order to earn the Annual Percentage Yield (APY) disclosed. All rates and APYs are subject to change after the account is opened. Fees could reduce earnings on the account. Interest rates currently offered on applicable deposit accounts are determined at the bank's discretion and may change daily. We use the daily balance method to calculate interest on all deposit accounts. This method applies a daily periodic rate to the principal in the account each day. Interest on your check deposit begins to accrue on the business day we receive credit for your applicable deposit accounts. Interest will be compounded daily and credited to your account monthly for all savings accounts, except Standard Savings, which is paid quarterly. If you close your account before interest is credited you will not receive the accrued interest.

8. U.S. Bank provides zero fraud liability for unauthorized transactions. Zero fraud liability does not apply to certain commercial card transactions made with a business debit card. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in the Your Deposit Account Agreement for details.