Guilford Savings Bank - Health Savings Account Program

HEALTH SAVINGS ACCOUNT

Schedule of Interest & Charges

Effective March 1st, 2010

Interest Rates

Health Savings Accounts	Interest Rate	Annual Percentage Yield (APY)	Minimum daily balance to earn APY¹
	.50%	.50%	$1,000 - $4,999.99
	1.49%	1.50%	$5,000 - $14,999.99
	1.98%	2.00%	$15,000 and up

Fees

Banking Services	Cost
Set Up Fee	$15.00
Annual Fee	$0.00
Monthly Charge (waived for balance of over $1,000)	$2.00²
Checks	$10.00
POS Transaction	$ 0.35
Closing Fee	$25.00
Excess contribution distribution	$25.00
Corrected IRS filing fee (non-banking error)	$25.00

Interest rate is subject to change. Interest is compounded and credited monthly.

Fees may reduce earnings.

¹Minimum daily balance is the amount of principal in the account each day.

²A minimum average monthly balance of $1,000 must be maintained in order to avoid the monthly charge.

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