Toll Free  800.716.9818

Health Savings Solution (HSS) balances are initially invested in an FDIC-insured, interest bearing deposit account with U.S. Bank. When the account balance exceeds $2,500, a mutual fund allocation feature will be available. The mutual fund allocation feature, effective mid 2005, will provide Accountholders with a variety of investment objective allocation choices. Support tools and information about the investment objectives will be available via the Web site or the Health Savings Solution Center.

*lnterest rates apply to those portions of the minimum daily ledger balance within each tier. This results in a blended API based on the range of tiers containing a balance. The posted Annual Percentage held is a range that shows the lowest and highest annual percentage yields for each tier. The low figure for an API range is calculated based on the total amount of interest earned for a year assuming the minimum principal required to earn the interest rate for that tier, The high figure for an APY range is based on the amount of interest paid on the highest principal that could be deposited to earn that same interest rate. For example, if $2,000 is deposited into the account the first $499.99 will earn a rate of 0.00%; $500.00 earns a rate of 1.00%: $1,000 earns the rate of 1.49%; and, the remainder of $0.01 earns a rate of 1.98%. In this case the $2,000 deposited into the account would earn a 1.00% APY.

Interest rates currently offered 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 the deposit. The interest rate and annual percentage yield on your checking account may change. Interest will be compounded daily and credited to your account monthly. If you close your account before interest is credited you will not receive the accrued interest.

IMPORTANT INFORMATION
This Health Savings Acount (HSA) is a trust account with U.S. Bank serving as the trustee. Terms and conditions of the HSA are included in your HSA application arid agreemert. U.S. Bank deposit products that are heId in the HSA are FDIC  insured. Non-deposit investment products, such as matual funds, that may be held in the HSA  are not FDIC insured, are not guarantaed by U.S. Bank and may lose value.  Past returns of investment products do not guarantee future results. Mutual fund prospectuses provide detailed information about fund investment objectives and fees. Read a mutual  funds current prospectus carefully before allocaiting HSA assets among different investment objects. Contact a qualified accountant or attorney to address tax or legal questions.

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1.800.716.9818
1.503.557.4997
1.503.557.1244
info@robinsonfinancialgroup.com

Bank Of Commerce
704 Main Street, Suite 232
Oregon City, OR 97045