Consumer Pricing Information

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1 king Package Checking Options Platinum Checking Gold Checking Silver Checking in 25 states Consumer Pricing Information,000 U.S. Bank t more than 23,000 Effective November 9, 2014 NKS ( ) KS ( ) KS ( ) 00 to Waive $17.95 with online statements, $19.95 with paper statements 7 No,000 in combined personal deposit, investment* and/or credit balances, 9 Relationship with U.S. Bank Trust Services - $2,499 $2,500 - $9,999 $10,000 and above and Non-U.S. Bank ATMs 1 $10.95 with online statements, $12.95 with paper statements 7 No with: An open U.S. Bank personal loan, line or credit card 11 Two free non-u.s. Bank ATM transactions in a statement period (Non-U.S. Bank ATM fees 1 apply after two) $6.95 with online statements, $8.95 with paper statements 7 No with a Package Money Market Savings account AND one of the following: Combined monthly direct deposits totaling $1,000+, Combined account balance 12 of $1,500 For a complete list of checking account features and benefits refer to the U.S. Bank Personal Banking brochure.

2 Checking Options Premium Checking Easy Checking Student Checking 14 Electronic Transfer Account (ETA) 15 $10.95 with online statements, $12.95 with paper statements 7 $6.95 with online statements, $8.95 with paper statements 7 No $3 Requires direct deposit of federal benefits or federal payroll payments to Waive No Average account balance 13 of $5,000, Account holder(s) age 65 or greater No Combined monthly direct deposits totaling $1,000+, Average account balance 13 of $1,500 - $999 $10,000 - $49,999 $100,000 and above and Non-U.S. Bank ATMs 1 Four free non-u.s. Bank ATM transactions in a statement period (Non-U.S. Bank ATM fees 1 apply after four) For a complete list of checking account features and benefits refer to the U.S. Bank Personal Banking brochure.

3 Savings & Money Market Account Options Package Money Market Savings 16 Elite Money Market Money Market Standard Savings Goal Savings Star Savers Club 20 $100 $100, with a minimum automatic monthly transfer from a U.S. Bank personal checking account, per statement cycle 19 $10 $10 $4 to Waive $10,000 minimum daily ledger balance 17 $1,000 minimum daily ledger balance 17 $2,500 average monthly collected balance 18 $300 minimum daily ledger balance 17 $1,000 average monthly collected balance 18 - $1,499 $1,500 - $9,999 $10,000 - $49,999 $100,000 - $499,999 $500,000 and above - $9,999,000 - $49,999 $100,000 - $499,999 $500,000 and above - $999,000 and above Single Tier - $999,000 and above - $499 $500 - $999 $1,000 - $4,999 $5,000 - $9,999 $10,000 and above

4 Miscellaneous Checking, Savings or Money Market Fees Account Charge-Off Processing Fee $30.00 Debit Fees (ATM and Check Card) includes withdrawals, balance inquiries, denied transactions, fund transfers, and deposits U.S. Bank ATM Transaction no charge Non-U.S. Bank ATM Transaction 1 $2.50 Mini Statement at U.S. Bank ATM $1.00 Full Statement at U.S. Bank ATM $1.50 International Processing Fee - U.S. Dollars 2% of transaction International Processing Fee - Intl Currency 3% of transaction Check Card Cash Advance Fee 2 $2.00 Check Card Replacement Card Fee 3 $5.00 Express Delivery Fee - new or replacement card.00 (2-3 business days) Check Collection (incoming/outgoing) $ direct cost Counter Checks $2.00 per check DepositPoint TM 4 (Remote Deposit Capture) up to.50 per deposited item Dormant Account (per month) $5.00 Overdraft Paid Fee* 5 Item Amount $5.00 or less no fee $5.01 or greater $36.00 per item Overdraft Returned Fee* 5 Item Amount $5.00 or less no fee $5.01 or greater $36.00 per item *Fees are subject to a daily maximum of 4 Overdraft Paid Fees and 4 Overdraft Returned Fees, a maximum total of 8 fees per day. Extended Overdraft Fee (Charged beginning on the 8th calendar day and each week thereafter if the available account balance remains below.00.) per week Overdraft Protection Transfer Fee 6 $12.50 For Gold Checking $7.50 For Platinum Checking waived Photocopy Requests Copy of Check, or other items $2.00 per item Copy of Statement $6.00 per statement Miscellaneous Checking, Savings or Money Market Fees (cont d) Returned Deposited Item or Cashed Check $19.00 Statement Fees (Per Statement Cycle) Statements with Check Images 7 $2.00 Statements with Check Return 7 $6.00 Paper Statement (Student Checking Only) $2.00 Other Service Fees Account Balancing and Research $30.00/hour 1 hour minimum Cashier s Check $7.00 Individual Retirement Account (IRA) Annual Fee for Plan Balances Below,000 CESA Balances Below $5,000 $30.00 Platinum Checking customers no charge IRA External Transfer Fee $30.00 per IRA Plan Legal Charges Garnishments $ Tax Levy & Child Support $ Personal Money Order $5.00 Safe Deposit Box Fees Late Payment (per month) $10.00 Lock Drilling $ Invoice Fee $10.00 Stop Payment 24-month duration $35.00 Traveler s Cheques 2% of purchase Wire Transfer Incoming (domestic) $20.00 Incoming (international).00 Outgoing (domestic) $30.00 Outgoing (international) $50.00 Foreign Checks/Currency Fees Checks Deposited in Foreign Currency on Foreign Banks Checks on Canadian Banks up to.50 Checks on Select Countries/Banks* $1.00 Checks over $10,000 USD equivalent or by arrangement Collection Basis Checks on all other Countries/Banks Collection Basis Returned Check Fee 8.00 Return rate subject to sell rates in effect on return date. *Contact International Banking at for more information. Checks Deposited in U.S. Dollars on Foreign Banks Checks on Canadian Banks up to.50 Checks on Select Countries/Banks* $50.00 Checks over $10,000 or by arrangement** Collection Basis Checks on all other Countries/Banks** Collection Basis **Check subject to review by International Banking. Returned Check Fee 8.00 *Contact International Banking at for more information. Foreign Check Collection 8 (incoming/outgoing) Courier Fee (per check) $45.00 Initiation Fee (per check) $40.00 Returned Check Fee.00 Tracer Fee.00 Fee collected on all checks presented, paid and unpaid. Foreign Currency Purchase Next Day Delivery $10.00 Next Day Priority Delivery $12.00 Sold Shipping Charge $10.00 Foreign Draft Purchase Next Day Delivery $12.00 Next Day Priority Delivery $15.00 Processing Fee $20.00 Stop Payment Orders.00

5 CCOUNT INFMATION U.S. Bank Packages Prior to August 12, 2013: To maintain Package benefits, a Silver, Gold or atinum Checking with a Package Money Market Savings account and/or any U.S. Bank credit card ust remain open and in good standing. After August 12, 2013 the eligibility requirements will no nger be necessary. See the U.S. Bank Your Deposit Account Agreement booklet and Consumer icing Information brochure for additional disclosures applicable to deposit accounts. Other nditions and restrictions may apply. Terms may change without notice. Mobile Banking and text alerts You may be charged access fees by your carrier, dependent on your personal plan. Web access is needed to use Mobile Banking. Check with your carrier for tails on specific fees and charges. Paper statement fees Additional fees apply for statements with Check Images or Check Return. Consumer Pricing Information Additional Disclosures Average account balance (Silver or Gold Checking) Average account balance for Silver Gold Checking is determined by adding the balance at the end of each calendar day during e statement period, up until and not including the last two business days of the statement riod, and dividing that sum by the number of days used. Business days are Monday through iday; federal holidays are not included. Effective August 12, 2013, Combined account lance (Silver Checking) The combined balance is the total average account balance of the lver Checking account and all Package Money Market Savings accounts you own. The average count balance is determined by adding the combined balance at the end of each business y during the statement period, up until and not including the last two business days of the atement period, and dividing that sum by the number of days used. Business days are Monday rough Friday; federal holidays are not included. Non-U.S. Bank ATM transactions An additional surcharge fee will be applied by the ATM ner, unless they are participating in the MoneyPass network. reward bonus (Gold and Platinum Checking) bonus is calculated based rewards earned each month for net purchases (purchases minus credits and returns) and cluding elevated rewards based on special purchase-category tiers made with a U.S. Bank sh+ TM Visa Signature Card, FlexPerks Travel or Select Rewards Visa Credit Card. Easy Checking accounts with no monthly maintenance fee Requires at least one identical count holder on all accounts. Limit two Easy Checking accounts with no monthly maintenance e for Gold Package customers. Auto-pay to a U.S. Bank personal loan, line or credit card (Gold Checking) Automatic onthly payment from the Gold Checking to a personal loan, line of credit or credit card, does not clude student loans and some indirect loans. U.S. Bank personal loan, line of credit or credit card (Gold Checking) Includes U.S. Bank: rsonal purpose loans, Home Equity Loans, Home Equity Line of Credit, Premier Line, Home ortgage and Credit Cards. (U.S. Bank Reserve Line of Credit and Student Loans are excluded). ortgage and credit products are subject to eligibility requirements and normal credit approval, d may be subject to additional charges such as annual fees. Please refer to the credit reement for full details.. Earns interest Variable rate account, interest rates are determined at the bank s discretion and n change at any time.. Up to a $1,000 U.S. Bank Home Mortgage discount Discount is calculated as 0.25% of the an amount. Maximum mortgage discount is $1,000. For existing U.S. Bank home mortgages e refinance discount maximum is $300. Certain mortgages may not be eligible. Information subject to change without notice. Loan approval is subject to program guidelines. Other strictions may apply.. Free money orders, cashier s checks, etc. No U.S. Bank fees on money orders, cashier s ecks, counter checks, single-signer traveler s cheques, stop payments and copies of checks d statements..,000 in combined personal deposits and/or credit balances with U.S. Bank and vestments with our affiliate, U.S. Bancorp Investments, Inc. (Platinum Checking) mbined deposit balances include the average monthly collected balances for the following S. Bank products: personal checking, savings, money market, CDs and IRAs. Outstanding edit balances include personal purpose loans (some indirect loans not included), U.S. Bank ome Equity Loans, Home Equity Line of Credit, Premier Line, U.S. Bank Home Mortgage and S. Bank Credit Cards. Investment balances include the aggregate minimum daily balance of l investment types held through the statement period with U.S. Bancorp Investments, Inc.. Average account balance (Premium or Easy Checking) Average account balance is lculated by adding the balance at the end of each calendar day in the statement period and viding that sum by the total number of calendar days within the statement period.. Free online statement (Student Checking) Fees for paper statements will apply.. U.S. Bank Zero Fraud Liability U.S. Bank provides zero fraud liability for authorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. rtain conditions and limitations may apply.. Overdraft Protection Fees and qualification may apply. Consult the Your Deposit Account reement and the Consumer Pricing Information Brochure for fees.. Account holders Account holders who are signers on the checking account must also be gners on the account linked for Overdraft Protection.. Savings and money market transaction limitations Please refer to the Consumer Pricing formation brochure for additional information regarding Federal Regulations Governing Savings d Money Market Transaction Limitations.. Lines of credit and credit cards Lines of credit and credit cards are subject to eligibility quirements and normal credit approval. Credit products may be subject to additional charges ch as annual fees. Interest will accrue on the amounts advanced. Please refer to the line of edit or credit card agreement for full details.. Checking Account Advance (CAA) Certain restrictions, fees and eligibility requirements ply. Checking Account Advance is an expensive form of credit. Talk with your banker about her available credit options.. Western Union The Western Union logo, owned by Western Union Holdings, Inc., is used ith permission. Subject to valid identification. Fees apply. 1. Non-U.S. Bank ATM owners will apply a surcharge fee unless they participate in the MoneyPass Network. To find MoneyPass ATM locations, please visit 2. $2.00 per advance assessed when performing a cash advance at any financial institution that accepts Visa. 3. A fee will be assessed for the replacement of a check card plastic when requested more than once within a 12-month period. Replacement check card includes those cards that are requested to replace a current check card product with the same card number. Replacement check card does not include ATM cards, check cards that are lost, stolen or expired. Replacement Card Fee will not apply to replacement of Private Client Reserve and Ascent Visa Check Cards. 4. To be eligible for DepositPoint, you must be a U.S. Bank Online Banking customer with direct ownership in a U.S. Bank checking or savings account and have no more than two returned deposited items in the past three months. The DepositPoint fee is waived for Platinum Checking accounts. Deposit limits and other conditions may apply. DepositPoint is only available for use within the United States. 5. In the event the available balance at the end of the business day is or would be overdrawn $5.01 or greater, an overdraft paid and/or overdraft returned fee(s) may be assessed. In the event the available balance at the end of the business day is or would be overdrawn $5.00 or less, a fee will not be assessed. 6. If you have linked eligible accounts, and the negative available balance in your checking account is $5.01 or more, the advance amount will transfer in multiples of $50. If however, the negative available balance is $5.00 or less, the amount advanced will be $5.00 and the Overdraft Protection Transfer Fee will be waived. Refer to Your Deposit Account Agreement, section titled Overdraft Protection Plans, for additional information. 7. Additional fees apply for Statements with Check Images and Statements with Check Return. Check Images and Check Return is available only with Paper Statements. Accounts with the Senior customer indicator receive $1.00 discount per statement cycle for Statement with Check Return fee and the Statement with Check Images fee is waived. 8. Any additional Foreign Bank fees incurred while processing will be charged to the depositor s account. 9. Combined deposit balances include the average monthly collected balances for U.S. Bank personal checking, savings, money markets, CDs and IRAs. Outstanding credit balances include U.S. Bank personal purpose loans (excluding some indirect loans), U.S. Bank Mortgages, U.S. Bank Home Equity Loans and Lines of Credit, U.S. Bank Premier Line and U.S. Bank Credit Cards. Investment balances include the aggregate minimum daily balance of all investment types held through the statement period with U.S. Bancorp Investments. 10. Variable rate account. Interest rates are determined at the bank s discretion and can change at any time. See the Current Deposit Rates for disclosures on rates, compounding and crediting, and other balance information. 11. Includes U.S. Bank: personal purpose loans, Home Equity Loans, Home Equity Line of Credit, Premier Line, Home Mortgage and activated Credit Cards. (U.S. Bank Reserve Line of Credit and Student Loans are excluded). Mortgage and Credit products are subject to eligibility requirements and normal credit approval. Mortgage and Credit products may be subject to additional charges such as annual fees. Please refer to the credit agreement for full details. transfer from your Package Checking account to your Package Money Market Savings account must be scheduled and maintained. You must open and/or maintain an active U.S. Bank Package, including a Silver, Gold or Platinum Checking account AND a Package Money Market Savings account. Program is subject to change. See the S.T.A.R.T. Program Agreement for detailed information. The U.S. Bank Rewards Visa Card cannot be reloaded with additional funds, nor can it be used at an ATM. Terms and conditions apply and other fees may apply to Rewards Cards. For complete terms and conditions, see the U.S. Bank Rewards Card Cardholder Agreement available at The Rewards Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. 24. FDIC insured FDIC insured to the maximum allowed by law. 25. Tiered interest rate See banker for details on interest rate tiers. 26. Health Savings Account (HSA) You must participate in an Internal Revenue Service (IRS) 12. The combined balance is the total average account balance of the Silver Checking account and all Package Money Market Savings accounts you own. The average account balance is calculated by adding the combined balance at the end of each calendar day during the statement period, up to and not including the last business day of the statement period, and dividing that sum by the number of days used. Business days are Monday through Friday; federal holidays are not included. qualified High Deductible Health Plan (HDHP) to be eligible for this account. 27. Home mortgage, smart refinance and home equity Some restrictions may apply. Offer is subject to normal credit approval and program guidelines. Property insurance is required. Interest rate and program term are subject to change without notice. Not all loan programs or loan amounts are available in all states. Customer is responsible for escrow related costs (property tax and insurance). 28. Tax-deductible interest Consult your tax advisor regarding the deductibility of interest. 29. Auto and Installment Loans Offer is subject to credit qualifications. Some additional restrictions may apply. Not all loan programs are available in all states for all loan amounts. 30. Premier Line of Credit and Premier Loans Some restrictions may apply. Offer is subject to normal credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. 31. Credit cards Credit products are subject to approval. 32. Cash+ Visa Signature Cash back is calculated on net purchases (purchases minus returns or adjustments). Balance transfers, cash advances or other account advances do not qualify. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. As U.S. Bank cannot control how merchants choose to classify transactions U.S. Bank cannot guarantee a transaction will qualify. Upon approval, full details will be provided in your Cardmember Agreement. 33. FlexPoints bonus categories Cardmembers will be awarded FlexPoints at the rate of two FlexPoints for every $1 in Net Purchases during the current month s billing cycle for any merchant location that classifies itself as having telecommunication services/products. U.S. Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for additional FlexPoints. 34. FlexPerks and donations FlexPerks Travel Rewards Visa Signature and FlexPerks Business Travel Rewards Visa cardmembers will earn FlexPoints at a rate of three (3) FlexPoints per every $1 in Net Purchases and FlexPerks Select Rewards Visa cardmembers will earn FlexPoints at a rate of 1.5 FlexPoints per every $1 in Net Purchases during the current month s billing cycle for any merchant location that classifies itself as a Charitable and Social Service Organization. U.S. Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for additional FlexPoints. Bonus FlexPoints will be awarded within 60 days of donation. 35. Convenient Cash Card Successful identity verification required. Enrollment and monthly service fees apply and other fees may apply. See the Branch Representative or for additional information regarding product features and fees. 36. Visa Buxx Card There is a one-time enrollment fee of $10 for Visa Buxx Cards funded with a U.S. Bank account (check card, credit card, checking or savings account) or a $15 fee for cards funded with a non-u.s. Bank account. Other fees may apply. See the Branch Representative or for additional information regarding product features and fees. 37. Visa Gift Card Purchase fee applies. The U.S. Bank Visa Gift Card cannot be reloaded with additional funds, nor can it be used at an ATM (Automated Teller Machine). For use in the U.S. only. Terms and conditions apply and other fees may apply to Gift Cards. For complete terms and conditions, see the U.S. Bank Visa Gift Card Cardholder Agreement available at any U.S. Bank branch or online at Deposit checks This feature requires enrollment in DepositPoint TM, which includes meeting eligibility requirements. For full details and fees, please visit usbank.com/depositpoint. 39. MONEY Magazine From MONEY Magazine, October 2012 Time Inc. MONEY is a registered trademark of Time Inc. and is used under license. MONEY and Time Inc. are not affiliated with, and do not endorse products or services of U.S. Bank. 13. The average account balance for Premium and Easy Checking is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. 14. Student enrolled in high school, technical college, trade school or university. 15. ATM Card only, no checks issued and no third party transactions accepted. Refer to Electronic Transfer Account sales sheet for additional benefits and features. 16. A U.S. Bank Package Money Market Savings account requires you to maintain an open U.S. Bank Silver, Gold or Platinum Package Checking account with at least one common account holder on each account. The Package Money Market Savings account will be converted to a U.S. Bank Standard Savings account if the Silver, Gold or Platinum Package Checking account is closed or transferred to a different non-qualifying product. 17. The daily ledger 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. 18. The average monthly collected balance is calculated by adding the principal in the account for each calendar day in the statement period and dividing that figure by the total number of calendar days in the statement period. 19. Must have a U.S. Bank personal checking account to qualify. 20. Account will be converted to Standard Savings when minor reaches 18 years of age. Federal Regulation D limits certain types of withdrawals and transfers made from a savings or money market account to a combined total of six per account cycle. This includes withdrawals made by check or draft to third parties; debit or ATM card point-of-sale (POS) purchases; and pre-authorized withdrawals such as automatic transfers for overdraft protection and transfers made by telephone, online banking, mobile banking, bill pay, wire and facsimile. Withdrawals and/or transfers exceeding the six per account cycle allowance, will result in a $15 excessive withdrawal fee per transaction. If limitations are continuously exceeded, it may result in conversion to an Easy Checking account. Withdrawals and transfers made in person at a U.S. Bank branch or at an ATM are not included in the limit of six per account cycle. Investment products are: Investment products and services are: For U.S. Bank: Deposit and Mortgage products offered by U.S. Bank National Association. The U.S. Bank Visa Check Card is issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. Member FDIC. U.S. Bank loans and lines of credit are offered through U.S. Bank National Association ND. Credit products offered by U.S. Bank National Association ND. The creditor and issuer of U.S. Bank credit cards is U.S. Bank National Association ND, pursuant to a license from Visa U.S.A. Inc. U.S. Bank is not responsible for and does not guarantee the products, services or performance of affiliates. *For U.S. Bancorp Investments, Inc.: Investment products and services are available through U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. U.S. Bank, U.S. Bancorp Investments and their representatives do not provide tax or legal advice. Each individual s tax and financial situation is unique. Clients should consult their tax or legal advisor for advice and information concerning their particular situation. For U.S. Bank: For a comprehensive list of all pricing, terms and policies see the Consumer Pricing Information brochure, the Your Deposit Account Agreement and the Personal Banking brochure. Other conditions and restrictions may apply. Terms may change without notice. Deposit and Mortgage products, Home Equity Loans and Lines of Credit and Credit Cards are offered through U.S. Bank National Association. Member FDIC *For U.S. Bancorp Investments: Investment products and services are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank. Personal Banking 24 Hours a Day, 7 Days a Week. Branch and ATM More than 3,080 branches in 25 states Free access at more than 5,000 U.S. Bank ATMs and no surcharges at more than 23,000 MoneyPass 1 ATMs Online usbank.com Mobile U.S. Bank Mobile Phone 800.USBANKS ( ) Cincinnati Denver Milwaukee Minn./St. Paul 612.USBANKS ( ) Portland 503.USBANKS ( ) St. Louis Outside the U.S (call collect) TDD-All Areas com/usbank Deposit products offered by U.S. Bank National Association. Member FDIC. Credit products offered by U.S. Bank National Association U.S. Bank /14

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