1. Actual individual savings and benefits may vary depending on the products used and balances maintained. Products and services for each U.S. Bank Package have been combined to offer consumers preferred rates and services at a lower combined price than if each product or service were opened separately. For example, a customer in a U.S. Bank Platinum Package with an average outstanding balance of $50,000 on a home equity line of credit will realize $500 in annual savings.
   
   NOTE: A U.S. Bank Package Checking Account and Package Money Market Savings and/or qualifying U.S. Bank Credit Card must be opened with the same accountholder names on each account to be eligible for a U.S. Bank Package and its benefits.

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2. A surcharge fee may be applied by the ATM owner.

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3. No-fee banking privileges includes no U.S. Bank fees on overdraft protection transfers (through Reserve Line, credit card and another deposit account), money orders, cashier's checks, counter checks, single-signer traveler's cheques, copies of checks and other items, copies of statements, and stop payment fees.

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4. Combined deposit balances include personal checking, savings, CDs, IRAs and HSAs. Outstanding credit balances include personal purpose loans (some indirect not included), Home Equity Loans, Home Equity Line of Credit, Premier Line, U.S. Bank mortgage and credit cards.

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5. Overdraft Items Paid or Overdraft Item Returned (NSF) fees waived upon first overdraft occasion in a 12-month period.

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6. FlexPerks Cash Rewards Visa Check Card customers automatically earn 1/4% or 1/2% cash back on all purchases (non-PIN) depending on package. Must have a U.S. Bank Package to qualify for this benefit. Only signature based purchases qualify for rewards. Cash advances, ATM transactions and purchases made with a PIN do not qualify.

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7. Maximum discount on a mortgage origination fee is $1,000 for new U.S. Bank Home Mortgages and a maximum of $300 on refinances of current U.S. Bank Home Mortgages.

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8. Reward bonus applies to U.S. Bank FlexPerks Select Rewards and Travel Rewards Visa Check Cards and/or Credit Cards and the FlexPerks Cash Rewards Visa Credit Card. Earn a monthly bonus on the rewards you earn for net purchases during the month. The interest rate rebate is paid annually in November and is based on the total interest that was accrued in the previous 12 months.

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9.  No closing costs or annual fees.

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To continue eligibility for the U.S. Bank Package benefits, the qualifying accounts must be open, active and in good standing. Qualifying accounts include the Package Checking and Package Money Market Savings and/or any U.S. Bank Credit Card.

See the U.S. Bank Your Deposit Account Agreement booklet, Consumer Pricing Information brochure and Consumer Pricing Addendum—U.S. Bank Packages which contain additional fees and disclosures applicable to deposit accounts. Other conditions and restrictions may apply; see your banker for details. Credit products are subject to approval and are offered through U.S. Bank, National Association ND and N.A. Deposit and mortgage products are offered through U.S. Bank, N.A., Member FDIC