Frandsen Bank & Trust

Account	Minimum Opening Balance	Highlights	Interest	Service Charge
Statement Savings	$100	Unlimited in-person transactions Withdrawal limitations apply per federal regulation*	Accrues daily; credited and compounded quarterly	$3 monthly maintenance fee if account falls below $200 on any day during the calendar month. This fee is waived if you are under 18 years of age.

Account	Minimum Opening Balance	Highlights	Interest	Service Charge
Health Savings Account	$100	Available to individuals covered by a high deductible health plan (HDHP) Unlimited transactions	Accrues daily; credited and compounded monthly Pays interest on a tiered basis	$2 monthly maintenance fee if account falls below $1,000 on any day during the statement cycle. $20 set-up fee.

Account

Minimum Opening Balance

Highlights

Interest

Service Charge

Health Savings Account

$100

Available to individuals covered by a high deductible health plan (HDHP)
Unlimited transactions

Accrues daily; credited and compounded monthly
Pays interest on a tiered basis

$2 monthly maintenance fee if account falls below $1,000 on any day during the statement cycle.

$20 set-up fee.

Account	Minimum Opening Balance	Highlights	Interest	Service Charge
Money Market	$2,500	$2,500 minimum balance required Unlimited in-person transactions Withdrawal limitations apply per federal regulation*	Accrues daily; credited and compounded monthly Pays interest on a tiered basis	$8 monthly maintenance fee if account falls below $2,500 on any day during the statement cycle.

* During any calendar month, you may not make more than 6 withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order.

Member FDIC