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Consumer Pricing Information Addendum

Effective April 10, 2023

State Farm^® Alliance

Your account benefits:

The U.S. Bank Smart Rewards^® program offers unique benefits based on your relationship with U.S. Bank. As a State Farm Alliance customer, you are automatically enrolled into the Primary tier. Benefits are listed below and beginning on page 4 of the U.S. Bank Consumer Pricing Information disclosure.

In addition to the Primary tier benefits, as a State Farm Alliance customer we offer you:

	PRIMARY	ELITE MONEY MARKET
Monthly Maintenance Fee	$6.95 - waived	First 12-months waived¹
ATM Transactions	ATM transaction fees waived on the first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after four transactions)^2,3

Retirement Money Market: Truth in Savings Disclosure:

The minimum balance to open this account is $100.
Deposits can be made at any time to this account. Withdrawals are allowed according to IRS regulations.
We reserve the right to deny a withdrawal (distribution or transfer) if funds are not available or have not yet been collected. Funds will generally be available no later than the seventh business day after the day of your deposit.

If you have any questions, please call the State Farm Banking Customer Service at U.S. Bank, 800-890-2233.

Valid if the customer maintains an Elite Money Market account only (without the presence of a Bank Smartly checking account); Monthly Maintenance Fee waive starts on account open date.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.
When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly^® Checking accounts.

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Consumer Pricing Information

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Personal Banking

Effective February 13, 2023

Something for everyone

All U.S. Bank personal checking accounts¹ include:

Mobile and online banking with free credit score access²
Mobile check deposit³
Bill pay⁴
Send money with Zelle^®5
Email and text alerts⁶
U.S. Bank Visa^® Debit Card

We’re ready to help 24 hours a day, 7 days a week – get in touch.

Branch and self-service⁷ ATM locations

Branches in more than 25 states
One of the largest ATM networks in America
Access your accounts at thousands of additional partner⁸ ATMs nationwide
No surcharges at MoneyPass^® Network ATMs⁹
Find a branch or ATM near you in the app or at locations.usbank.com

usbank.com
800-USBANKS (872-2657)
We accept relay calls.
Outside the U.S. 503-401-9991 (call collect)

A minimum deposit of $25 is required to open a U.S. Bank personal checking account.
Free credit score access, alerts and Score Simulator through TransUnion’s CreditView Dashboard® are available to U.S. Bank online and mobile banking customers. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by U.S. Bank to make credit decisions.
Eligibility requirements and restrictions apply. Contact a U.S. Bank branch to obtain the Digital Services Agreement for more information.
Safe Debit accounts are not eligible for automatic payments or expedited delivery and can only pay billers listed in our system who accept electronic payment.
Must have a bank account in the U.S. to use Zelle®. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Please be advised that the alerts may not be sent immediately.
Self-service devices enable consumers to select and conduct banking services.
U.S. Bank has established alliances to expand ATM convenience. These partner ATMs display the U.S. Bank logo and are included in the definition of a U.S. Bank ATM.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.

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Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products are offered by U.S. Bank National Association and subject to credit approval. ©2022 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.

CHECKING ACCOUNT OPTIONS

	U.S. BANK SMARTLY^™ CHECKING	SAFE DEBIT ACCOUNT¹
Minimum Opening Deposit²	$25	$25
Monthly Maintenance Fee	$6.95	$4.95
Requirement to Waive Monthly Maintenance Fee	No Monthly Maintenance Fee with one of the following: Combined monthly direct deposit totaling $1,000+, or Average account balance of $1,500 or greater,³ or Presence of an eligible U.S. Bank credit card⁴	Monthly Maintenance Fee cannot be waived
Interest Tiers⁵	less than $1,500 $1,500 to $9,999.99 $10,000 to $24,999.99 $25,000 to $49,999.99 $50,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and above	None

No checks issued/use of checks is not permitted. Safe Debit account subject to terms and conditions and fees and charges for select services. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide.
Accounts opened through online, mobile or phone banking must have an opening deposit, or the account will close after 30 days. Once the opening deposit has been made, to keep an account open it must have a positive balance or deposit/withdrawal activity. An account will automatically close if it has a zero balance and no deposit/withdrawal activity for four consecutive months.
The average account balance 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.
Qualifying accounts include U.S. Bank activated credit cards. Credit products are subject to eligibility requirements and normal credit approval and may be subject to additional charges such as annual fees. No limitation on Bank Smartly checking accounts with this benefit.
Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information.

CHECKING ACCOUNT OPTIONS (Continued)

	U.S. BANK SMARTLY^™ CHECKING	SAFE DEBIT ACCOUNT¹
ATM Transactions	No ATM transaction fees at U.S. Bank ATMs Non-U.S. Bank ATM transaction fees apply²	No ATM transaction fees at U.S. Bank ATMs Non-U.S. Bank ATM transaction fees apply²
Paper Statement Fee	$2.00 Paper Statement Fee³	No Paper Statement Fee³
Check Printing Fee	50% discount on initial box of personal checks⁴
Additional Features	U.S. Bank Overdraft Fee Forgiven⁵ Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000⁶ 100 Free Trades⁷ per calendar year with a self-directed brokerage account, exclusively through our affiliate, U.S. Bancorp Investments*	No checks No overdraft fees Discount on money orders

No checks issued/use of checks is not permitted. Safe Debit account subject to terms and conditions and fees and charges for select services. Please refer to the U.S. Bank Safe Debit Account Terms and Conditions and Safe Debit Account Pricing and Information guide.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.
Additional fees may apply for statements with check images. For additional fee information see Miscellaneous Checking, Savings or Money Market Fees section. Check images are available with paper or e-statements.
When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.
Overdraft Fee Forgiven Program – Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.
For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. To receive the U.S. Bank customer credit, a U.S. Bank Smartly™ Checking account must be established prior to final loan approval, or must have either an existing U.S. Bank Personal Checking Package or first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Smartly™ Checking account.
Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents for self-directed brokerage account. Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.

Investment and Insurance products and services including annuities are:

NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

*For U.S. Bancorp Investments: Investment and insurance products and services including annuities 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. Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License# OE24641.

For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.

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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Visit usbank.com to learn more about U.S. Bank products and services. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2022 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.

U.S. Bank Smart Rewards^™ (U.S. Bank Smartly^™ Checking only, Safe Debit is not eligible)

The U.S. Bank Smart Rewards offers unique benefits based on your relationship with U.S. Bank, driven by the amount of qualifying deposits and/or investment balances from our affiliate U.S. Bancorp Investments* and Personal Trust¹ balances you have. Benefits may include waivers of common fees as well as discounts on other U.S. Bank products.

**Qualifying Consumer Deposits, U.S. Bancorp Investments* and Personal Trust Accounts¹**

Qualifying balances include consumer accounts where the account is open and you are an account owner. Note: Balances in business and commercial accounts do not qualify.

Checking account(s)
Money Market savings account(s)
Savings account(s)
CDs and/or IRAs
U.S. Bancorp Investments*
Personal Trust Accounts¹

How it works

To enroll in Smart Rewards, you must have a Bank Smartly Checking account. Enrollment is required to participate in Smart Rewards. You can enroll through online and mobile banking, 24-Hour Banking, or by visiting your local branch. If you choose not to enroll in the program you will not be eligible for the benefits included in the Smart Rewards Tiers and Benefits grid as defined on pages 5 and 6.
- If you qualify for any of the following customer groups you will be automatically enrolled in the program: Military (requires self-disclosure), Senior, Youth, Young Adult and Alliance.² If you are a part of a customer group, see the Customer Group Benefits section for a list of automatically applied benefits. If you qualify for more than one customer group, you will receive benefits from all the applicable customer groups. If there is an overlap in the benefit category, the highest value benefits will be automatically applied.
There is no cost for the program, and you may unenroll from the program at any time using the same channels for enrollment (described above).
If all qualifying Bank Smartly Checking accounts are closed or you are no longer an account owner, you will not be eligible for Smart Rewards.

Earn More Benefits - Rewards Tier Reviews

Tier reviews occur to appropriately assign your account into a tier based on your relationship with U.S. Bank, driven by qualifying balances, credit product relationships or any relevant customer group qualifications.
Your initial review will be based on your total qualifying balance the business day after your consumer checking account is enrolled in Smart Rewards.
Ongoing reviews occur after the end of every month to determine if an account qualifies for a tier upgrade. The monthly average balance for each qualifying account will be calculated by totaling the daily end of day balances then dividing by the number of days in the month (or days since account opening within the month). Up to three months of average monthly balances for each account will be added together and then divided by the number of months to calculate the combined monthly average balance for the account. The combined monthly average balance for all accounts will be added together to determine the balance used to qualify for the tier. The Smart Rewards Tiers and Benefits grid on pages 5 and 6 shows the tier assignments by qualifying balance.
After the end of each calendar year, the combined monthly average balance for each account will be calculated using up to 12 months of balances. The combined monthly average balance for all qualifying accounts will be added together to determine the balance used for the tier assignment. The annual review may lead to a tier upgrade or downgrade. The annual review balance will be compared to the balance calculated from the December monthly review and the balance resulting in the highest tier placement will be used.
Reviews associated with the customer groups are ongoing (daily) and upgraded benefits will generally occur within five business days. If your customer group changes for any reason, this may impact your tier (upgrade or downgrade) and/or any benefits outside of the standard annual reviews.
U.S. Bank will notify you if your tier is changing (upgrade or downgrade).

Personal Trust account balances are the current account balance as of close of the prior day for eligible trust account types that are held for your benefit: IRAs, Agency accounts, Revocable Trust accounts and Custody accounts.
Military group requires notification to U.S. Bank to enact the status and is inclusive of both current and former members. Youth, Young Adult, and Senior groups will automatically be applied based on birth date. Applicable ages; Youth (13-17), Young Adult (18-24), and Senior (65 or over).

Investment and Insurance products and services including annuities are:

NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.

Equal Housing Lender

Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2022 U.S. Bank

U.S. Bank Smart Rewards™ (U.S. Bank Smartly™ Checking only, Safe Debit is not eligible), Continued

Additional Information

Application of benefits: After you enroll and upon monthly tier reviews, benefit changes will generally occur within five business days. For tier downgrades or loss of a customer group you will generally have two months before the change occurs.
Qualification for benefits is at a customer level, and then are applied to the impacted products you own.
- If you have a joint account, the highest tier across account owners will be applied to the joint account.
- In the event of a change to a customer tier, notices of changes will only be provided to the customer with the change. This means an account you own jointly may be impacted and you may not receive notice of the change. You may check the tier of any deposit account online, by calling 24-Hour Banking, or by contacting your local branch.
A tier or customer group change for any account owner may have potential impact to account benefits for all account owners.

SMART REWARDS TIERS AND BENEFITS

	PRIMARY	PLUS	PREMIUM	PINNACLE
Tier Balance Qualification	$20,000 - $49,999.99	$50,000 - $99,999.99	$100,000 - $249,999.99	$250,000 or more
Credit Account Qualification	Presence of a U.S. Bank home mortgage, home equity loans, home equity lines of credit or unsecured personal loans (excluding student loans, Simple Loans and U.S. Bank credit cards)
U.S. Bank Smartly Checking Monthly Maintenance Fee	$6.95 - waived
Interest Tiers¹	less than $1,500 $1,500 to $9,999.99 $10,000 to $24,999.99 $25,000 to $49,999.99 $50,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and above
ATM Transactions	No ATM transaction fees at U.S. Bank ATMs
Non-U.S. Bank ATM Fee charged by U.S. Bank^2,3	ATM transaction fees waived on first two Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM transaction fees apply after two)	ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM transaction fees apply after four)	All ATM transaction fees waived for Non-U.S. Bank ATM transactions	All ATM transaction fees waived for Non-U.S. Bank ATM transactions
Non-U.S. Bank ATM Surcharge charged by ATM Owner		First Fee reimbursed (one per statement period)	First Fees reimbursed (up to four per statement period)	Fees reimbursed (unlimited)

Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.
When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly Checking accounts.

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SMART REWARDS TIERS AND BENEFITS (Continued)

	PRIMARY	PLUS	PREMIUM	PINNACLE
Paper Statement Fee	$2.00 Paper Statement Fee¹ is waived.	$2.00 Paper Statement Fee¹ is waived.	$2.00 Paper Statement Fee¹ is waived.	$2.00 Paper Statement Fee¹ is waived.
Fee Waiver Benefit			Unlimited waivers on fees assessed for the following: Counter Checks Personal Money Orders Cashier’s Checks Stop Payments Photocopy of Statements One Wire Transfer Fee is waived per statement period	Unlimited waivers on fees assessed for the following: Counter Checks Personal Money Orders Cashier’s Checks Stop Payments Photocopy of Statements Wire Transfers
Check Printing Fee	50% discount on initial box of personal checks²	50% discount on initial box of personal checks²	50% discount on initial box of personal checks 50% discount on re-orders (U.S. Bank logo or personal)²	50% discount on initial box of personal checks 50% discount on re-orders (U.S. Bank logo or personal)²
Overdraft Benefits	Overdraft Fee Forgiven³ Overdraft Protection Transfer Fees waived⁴	Overdraft Fee Forgiven³ Overdraft Protection Transfer Fees waived⁴	Overdraft Fee Forgiven³ Overdraft Protection Transfer Fees waived⁴ One Overdraft Paid Fee waived per statement period	Overdraft Fee Forgiven³ Overdraft Protection Transfer Fees waived⁴ All Overdraft Paid Fees waived

Additional fees may apply for statements with check images. For additional fee information see Miscellaneous Checking, Savings or Money Market Fees section. Check images are available with paper or e-statements.
When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.
Overdraft Fee Forgiven Program – Consumer checking accounts (excluding Safe Debit accounts) assessed an Overdraft Paid Fee may qualify for a fee waiver. The Overdraft Fee Forgiven period starts the first day your Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account at the end of the Overdraft Fee Forgiven period (11 p.m. ET) and if your Available Balance (excluding the Overdraft Paid Fees and including immediate and same day deposits), is at least $0 we will waive Overdraft Paid Fee(s) charged. Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.
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 $50.00. If, however, the negative Available Balance is $5.00 or less, the amount advanced will be $5.00. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50.00 or less. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven. Refer to Your Deposit Account Agreement, section titled Overdraft Protection Plans, for additional information.

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OTHER PRODUCT BENEFITS

	PRIMARY	PLUS	PREMIUM	PINNACLE
Savings or Money Market Account	Monthly Maintenance Fee waived on all Standard Savings or Elite Money Market accounts
Standard Savings Interest Rate Lift¹	5.00% of the standard interest rate	10.00% of the standard interest rate	15.00% of the standard interest rate	15.00% of the standard interest rate
IRA Annual Plan²		Annual Fee Waiver
Safe Deposit Discount			50% off annual Safe Deposit Box rental fee³
Mortgage Origination Credit Benefits⁴	Take 0.25% of your new first mortgage loan amount and deduct it from the closing costs, up to a maximum of $1,000⁴
Online Investing	100 Free Trades⁵ per calendar year with a self-directed brokerage account, exclusively through our affiliate, U.S. Bancorp Investments*
Financial Consultation	Complimentary virtual financial consultation with the Wealth Management Advisory Center⁶			Complimentary financial consultation with a Wealth Management Advisor or Banker⁷

Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information. The interest rate Lift is calculated by taking your current interest rate and multiplying it by the interest rate Lift. This gets the interest rate Lift amount, which is added on top of the current interest rate. The interest rate Lift applies to standard rates only, it is not applicable for special or promotional rates. Savings interest rate Lift applies to Standard Savings only.
Maintaining an open U.S. Bank Smartly^™ Checking account is required to waive the IRA annual fee.
Newly enrolled Smart Rewards customers will not be immediately eligible for Safe Deposit Box discounts. Eligibility will occur when a Smart Rewards tier is assigned, generally five business days after enrollment.
For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period. To receive the U.S. Bank customer credit, a U.S. Bank Smartly™ Checking account must be established prior to final loan approval, or must have either an existing U.S. Bank Personal Checking Package or first mortgage with U.S. Bank. A minimum of $25 is required to open a U.S. Bank Smartly™ Checking account.
Offer is for 100 free trades per calendar year (Jan. 1-Dec. 31). Offer applies to online trades of equities and exchange-traded funds only and requires enrollment in paperless documents for self-directed brokerage account. To receive the free trades, a U.S. Bank Smartly^™ Checking account must be established. Free trades made available up to four business days from confirmation of account funding. This offer is not designed to support day trading or active trading and may be revoked if there is excessive or unreasonable activity. Additional fees may apply. Please refer to the Schedule of Commissions and Fees for more information at https://www.usbank.com/investing/online-investing/self-directed-investing/brokerage-fees.html.
To schedule your complimentary virtual consultation, make an appointment online at usbank.com/advisorycenter or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary financial consultation is available to customers outside the Rewards Program.
To schedule your complimentary financial consultation, find an advisor near you at usbank.com/advisor or call 888-620-8770. U.S. Bank, U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation. The complimentary financial consultation is available to customers outside the Rewards Program.

Investment and Insurance products and services including annuities are:

NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.

Equal Housing Lender

CUSTOMER GROUP BENEFITS

CUSTOMER GROUP	BENEFITS
Military	Automatic enrollment in minimum tier of Plus The following fees will have unlimited waivers: Cashier’s Check Fee, Personal Money Orders, Stop Payment Fee 50% off annual Safe Deposit Box rental fee* 50% discount on personal check re-orders (U.S. Bank logo or personal)² If you obtained your U.S. Bank mortgage, loan, line of credit, or credit card prior to being called to active duty, the Servicemembers Civil Relief Act (SCRA) allows a cap of 6% on the interest rate and a waiver of all fees while you are on active military duty. Contact the Military Service Center at 800-934-9555 to request this benefit. Learn more about how we serve those who serve their country at usbank.com/military
Senior (ages 65 or over)	Waiver of Monthly Maintenance Fee on Bank Smartly Checking Waive Paper Statement Fee¹ Waive for Paper Statements with Check Images 50% off annual Safe Deposit Box rental fee* 50% discount on personal check re-orders (U.S. Bank logo or personal)²
Young Adult (ages 18-24)	Waiver of Monthly Maintenance Fee on Bank Smartly Checking ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after four transactions)^3,4 Two incoming International Wire Transfer Fees waived per Bank Smartly Checking statement period Waiver of Monthly Maintenance Fee on new U.S. Bank Standard Savings accounts, for six months from the savings account open date; no limit*
Youth (ages 13-17)	Waiver of Monthly Maintenance Fee on Bank Smartly Checking Waiver of Monthly Maintenance Fee on all U.S. Bank Standard Savings accounts; no limit* ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after four transactions)^3,4
Alliance (including State Farm^®)	Automatic minimum tier of Primary ATM transaction fees waived on first four Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after four transactions)^3,4 Waiver of Monthly Maintenance Fee on all new U.S. Bank Elite Money Market accounts, for twelve months from the money market account open date; no limit*

*A Bank Smartly Checking account and/or Smart Rewards enrollment are not required to qualify for these benefits.

Additional fees may apply for statements with check images. For additional fee information see Miscellaneous Checking, Savings or Money Market Fees section. Check images are available with paper or e-statements.
When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.
When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly Checking accounts.

Equal Housing Lender

CUSTOMER GROUP BENEFITS (Continued)

CUSTOMER GROUP	BENEFITS
Wealth Management¹	Premier service including: Access to a dedicated team of wealth professionals with planning, investment* and banking expertise Dedicated concierge phone support Market and economic updates Exclusive event invitations Access to custom lending solutions, including Liquid Asset Secured lines of credit Higher money movement limits Immediate access to your funds² Complimentary Wealth Management-branded personal checks⁵
Workplace Banking	ATM transaction fees waived on first two Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after two transactions)^3,4 50% discount on personal check re-orders (U.S. Bank logo or personal)⁵ 50% off annual Safe Deposit Box rental fee**

CUSTOMER GROUP

BENEFITS

Wealth Management¹

Premier service including:
- Access to a dedicated team of wealth professionals with planning, investment* and banking expertise
- Dedicated concierge phone support
- Market and economic updates
- Exclusive event invitations
Access to custom lending solutions, including Liquid Asset Secured lines of credit
Higher money movement limits
Immediate access to your funds²
Complimentary Wealth Management-branded personal checks⁵

Workplace Banking

ATM transaction fees waived on first two Non-U.S. Bank ATM transactions per statement period (Non-U.S. Bank ATM fees apply after two transactions)^3,4
50% discount on personal check re-orders (U.S. Bank logo or personal)⁵
50% off annual Safe Deposit Box rental fee**

**A Bank Smartly Checking account and/or Smart Rewards enrollment are not required to qualify for these benefits.

For banking clients of U.S. Bank Wealth Management, Private Wealth Management or Ascent Private Capital Management.
For more information, refer to Your Deposit Account Agreement, in the section titled Funds Availability.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.
When changing checking account types, corresponding Non-U.S. Bank ATM transaction fee waivers will become available on the first day of the next statement cycle. ATM transaction fee waivers are only applicable for your U.S. Bank Smartly Checking accounts.
When changing existing checking options or customer group, check order discounts may not be immediately available, but will generally be available within five business days. Additional shipping fees may apply if expedited or shipped outside the continental United States.

Investment and Insurance products and services including annuities are:

NOT A DEPOSIT • NOT FDIC INSURED • MAY LOSE VALUE • NOT BANK GUARANTEED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

For U.S. Bank: U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.

Equal Housing Lender

Deposit products offered by U.S. Bank National Association. Member FDIC. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. ©2022 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.

SAVINGS ACCOUNT OPTIONS

	ELITE MONEY MARKET	STANDARD SAVINGS
Minimum Opening Deposit¹	$100	$25
Monthly Maintenance Fee	$10	$4
Requirement to Waive Monthly Maintenance Fee	$10,000 minimum daily balance³	$300 minimum daily balance,³ or $1,000 average monthly collected balance,⁴ or Account holder(s) age 12 or younger⁵
Interest Tiers²	less than $10,000 $10,000 to $24,999.99 $25,000 to $49,999.99 $50,000 to $99,999.99 $100,000 to $499,999.99 $500,000 and above	Single Tier
ATM Transactions	No ATM transaction fees at U.S. Bank ATMs Non-U.S. Bank ATM transaction fees apply⁶	No ATM transaction fees at U.S. Bank ATMs Non-U.S. Bank ATM transaction fees apply⁶

Accounts opened through online, mobile or phone banking must have an opening deposit or the account will close after 30 days. Once the opening deposit has been made, to keep an account open it must have a positive balance or deposit/withdrawal activity. An account will automatically close if it has a zero balance and no deposit/withdrawal activity for four consecutive months.
Variable rate account. Interest rates are determined at the bank’s discretion and can change at any time. Speak to a banker for current deposit rates, disclosures on rates, compounding and crediting, and other balance information.
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.
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.
Account will be assessed the Monthly Maintenance Fee when the account holder reaches 18 years of age. Account holder(s) age 13-17 will receive the monthly maintenance fee waiver under the Youth customer group. In the event the account holder is not currently a signer on the account the account holder must visit a branch with the custodian/guardian on the account to gain authority to access account funds.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.

Equal Housing Lender

Other conditions and restrictions may apply. Terms may change without notice. Mortgage, home equity and credit products offered by U.S. Bank National Association and subject to credit approval. Deposit products offered by U.S. Bank National Association. Member FDIC. ©2022 U.S. Bank

MISCELLANEOUS CHECKING, SAVINGS OR MONEY MARKET FEES


Account Charge-Off Processing Fee	$30.00
ATM and Debit Card Fees ATM Transaction means each withdrawal, balance inquiry, denied transaction, funds transfer or deposit. U.S. Bank ATM¹ Transaction Non-U.S. Bank ATM Transaction²Mini Statement at U.S. Bank ATM Full Statement at U.S. Bank ATM International Processing Fee – U.S. Dollars International Processing Fee – Intl Currency Debit Card Cash Advance Fee³Express Delivery Fee – new or replacement card (2-3 business days)	no charge $2.50 $1.00 $1.50 3% of transaction 3% of transaction $2.00 no fee
Check Collection (incoming/outgoing)	$30.00 + direct cost
Counter Checks	$2.00 per check
Dormant Account (per month)* *Unless excluded by account type or prohibited or restricted by state law.	$5.00
Overdraft Paid Fee⁴ Item Amount $5.00 or less $5.01 or greater Fees are limited to a daily maximum of four Overdraft Paid Fees per day. If your Available Balance at the end of the business day is negative by $50.00 or less, no Overdraft Paid Fee will be charged. Overdraft Returned Item* Extended Overdraft Fee	no fee* $36.00 per item* no fee no fee

U.S. Bank ATMs are physically and/or digitally branded. Digitally branded ATMs can be identified with the U.S. Bank logo displayed on the ATM or promotional screen.
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 “Show MoneyPass® ATM Network locations” in the ATM locator https:// locations. usbank.com/search.html. 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.
$2.00 per advance assessed when performing a cash advance at any financial institution that accepts Visa®.
In the event the Available Balance at the end of the business day is or would be overdrawn $50.01 or more and the transaction paid is $5.01 or more, an Overdraft Paid Fee may be assessed for each item. In the event the Available Balance at the end of the business day is or would be overdrawn $50.00 or less, a fee will not be assessed. U.S. Bank limits the number of charges to a daily maximum of four Overdraft Paid Fees per day, no matter how many items we pay on your behalf.

Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2022 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.

MISCELLANEOUS CHECKING, SAVINGS OR MONEY MARKET FEES, Continued


U.S. Bank Overdraft Fee Forgiven All consumer checking accounts (excluding Safe Debit accounts) are eligible to have Overdraft Paid Fee(s) waived with qualifying deposits.¹ The Overdraft Fee Forgiven period starts the first day the Available Balance becomes negative and you were charged an Overdraft Paid Fee(s). U.S. Bank will review your account for a fee waiver at 11 p.m. ET on the business day we charge the Overdraft Paid Fee(s).
Available Balance* at 11 p.m. ET is $0 or more *Excluding the Overdraft Paid Fee(s) and including immediate and same day deposits.	Overdraft Paid Fee(s) waived
Overdraft Protection Transfer Fee²(when a transfer is made from an eligible linked credit account³) *If the amount advanced is $50.00 or less, no Overdraft Protection Transfer Fee will be charged. No Overdraft Protection Transfer Fee(s) will be charged for transfers from linked deposit accounts.	$12.50*
Photocopy Requests Copy of Check, or other items Copy of Statement	$2.00 per item $6.00 per statement
Returned Deposited Item or Cashed Check	$19.00 per item
Statement Fees (Per Statement Period) – U.S. Bank Smartly^™ Checking Paper Statements with Check Images⁴ Paper Statement	$2.00 $2.00

Deposits that generally will qualify for Overdraft Fee Forgiven include: ACH and electronic deposits, cash deposits, wire transfers, ATM deposits at U.S. Bank ATM, check deposits in branch and internal transfers from another U.S. Bank account. Deposits that generally will not qualify for Overdraft Fee Forgiven include: Mobile check deposit, extended hold placed on a deposit and deposits into new accounts opened less than 30 days where funds are generally made available the fifth business day after the day of your deposit. Refer to the Determining the Availability of a Deposit – All Accounts section of Your Deposit Account Agreement for full funds availability details.
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. The Overdraft Protection Transfer Fee is waived if the negative Available Balance in your checking account is $50.00 or less. Please note, if you have Overdraft Protection and your account becomes overdrawn, Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven. Refer to Your Deposit Account Agreement, section titled Overdraft Protection Plans, for additional information.
Eligible accounts include: U.S. Bank Reserve Line of Credit, U.S. Bank Credit Card, U.S. Bank Personal Line of Credit, U.S. Bank Home Equity Line of Credit and other U.S. Bank Lines of Credit. Cash advance fees will apply. Interest will accrue as soon as you transfer funds. Check your cardholder agreement for Annual Percentage Rate (APR) details.
Additional fees may apply for statements with check images. Check images are available with paper or e-statements.

OTHER SERVICE FEES


Account Balancing and Research 1 hour minimum	$30.00/hour
Cashier’s Check	$10.00
Individual Retirement Account (IRA) Annual Fee for Plan Balances Below $25,000 CESA Balances Below $5,000 IRA External Transfer Fee	$30.00 $30.00 $30.00 per IRA Plan
Legal Charges (Escheatment Related Due Diligence-as permitted by state) Garnishments Tax Levy and Child Support	$100.00 $100.00
Personal Money Orders	$5.00
Safe Deposit Box Fees Late Payment (per month) Lock Drilling Invoice Fee (charged annually and waived with automatic payment from a U.S. Bank deposit account)	$10.00 $150.00 $10.00
Stop Payment	$35.00
Wire Transfer¹ Domestic – Incoming Domestic – Outgoing International – Incoming International – Outgoing	$20.00 $30.00 $25.00 $50.00

Additional fees may be deducted from the transfer amount by other financial institutions involved in the payment process. Deposits received in a foreign currency, whether by check, wire-transfer, or otherwise, must be converted to U.S. dollars prior to being credited to your account. U.S. Bank will convert your funds at a retail exchange rate established by U.S. Bank on the business day when such exchange is processed based on factors such as market conditions and risk, economic and business factors. The exchange rate will include our profit, fees, costs and charges. See the Foreign Currency section of the Your Deposit Account Agreement for more information.

FOREIGN CHECKS/CURRENCY FEES


Checks Deposited in Foreign Currency on Foreign Banks All checks subject to review. If item must be processed on a collection basis, U.S. Bank will disclose additional fees prior to assessing. See Foreign Check Collection section for potential fees. Return rate subject to sell rates in effect on return date.
Foreign Check Collection (incoming/outgoing) Courier Fee (per check) Initiation Fee (per check) Tracer Fee Returned Check Fee Checks on Canadian Banks (non-collection) Checks on Select Countries/Banks (non-collection) Fee collected on all checks presented, paid and unpaid. Additional fees assessed by Foreign Banks will be deducted from the check proceeds. Exchange rate adjustments will apply on each item at the time of processing.	$45.00 $40.00 $25.00 $25.00 $0.50 $1.00
Foreign Currency Purchase Foreign Currency Foreign Exchange Fee (Admin Fee)* Next Day Priority Delivery (optional) Sell Foreign Currency Foreign Exchange Fee (Admin Fee)* *Charged for transactions of $250 U.S. Dollars or less, or for any currency purchases returned within seven days.	$10.00 $15.00 $10.00

Deposit products are offered by U.S. Bank National Association. Member FDIC. ©2023 U.S. Bank. The U.S. Bank Visa Debit Card is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc.

Consumer Pricing Information | Effective February 13, 2023