WASHINGTON TRUST

Truth in Savings Disclosure

PERSONAL MONEY MARKET

Rate information - Your interest rate and annual percentage yield may change.

Frequency of rate changes - We may change the interest rate and annual percentage yield on your account at any time.

Determination of rate - At our discretion, we may change the interest rate on your account.

Compounding and crediting frequency - Interest will be compounded monthly. Interest will be credited monthly.

Effect of closing an account - If you close your account before interest is credited; you will not receive the accrued interest.

Minimum balance to open the account - You must deposit $2,500.00 to open this account.

Monthly Maintenance Service Charge Fee - $10.00

Minimum balance to avoid the imposition of service charge fees -$2,500.00 average daily balance for the statement period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

Accrual of interest on non-cash deposits - Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks).

Rate information

Tier 1 - If your daily balance is $2,499.99 or less, the interest rate paid on the entire balance in your account will be 0.00% with an annual percentage yield of 0.00%.

Tier 2 - If your daily balance is $2,500.00 to $24,999.99, the interest rate paid on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%.

Tier 3 - If your daily balance is $25,000.00 to $49,999.99, the interest rate paid on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%.

Tier 4 - If your daily balance is $50,000.00 to $249,999.99, the interest rate paid on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%.

Tier 5 - If your daily balance is $250,000.00 to $999,999.99, the interest rate paid on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%

Tier 6 - If your daily balance is $1,000,000.00 or greater, the interest rate paid on the entire balance in your account will be 0.10% with an annual percentage yield of 0.10%

Consumer Products TSD

(MMP) Effective 09.2022