[Premium Health Savings Account]

Rates: $5000-$9999.99, 1.65% APY

$10,000-$19,999.99, 2.65% APY

$20,000 & up, 3.65% APY*

Consult a tax advisor. Annual Percentage Yield effective as of May 28, 2008. APY may be changed at any time. A minimum balance of $5000 must remain in the account each day in order to obtain the disclosed annual percentage yield. Fees could reduce earnings.

You may not apply online for this account. If you qualify and would like to open a Premium HSA, please contact your local branch.