Introduction to Health Savings Accounts (HSA) with HSA Bank

HSA Bank welcomes you! You have the opportunity offered by your employer to open a Health Savings Account (HSA) through HSA Bank. Discover why HSA Bank is a trusted financial healthcare partner. What is an HSA? HSAs work together with HSA-compatible health plans. The health plan is used to cover serious illness or injury, while the HSA is used for current or future expenses that are not paid by the health plan. Try our online calculating tools located at www.hsabank.com/calculators, to learn more about HSAs and if one is right for you. What are the advantages of an HSA? • Funds roll over annually There is no “use it or lose it” philosophy. If you don’t use it, save it for next year. Or even for retirement. • Tax advantages* Contributions can be made pre-tax or post-tax, distributions for eligible expenses are tax-free and earnings grow tax-deferred. • You own the account Even if your HSA-compatible coverage ends, you can still use your HSA funds tax-free for eligible healthcare expenses. • Long-term investment opportunities HSA Invest (www.hsabank.com/investments) offers three investment options — Choice, Select and Managed — to give you thoughtfully chosen securities that are aligned to your HSA and relevant to your financial objectives. • You’re in charge You choose when to use your HSA or pay out of pocket.

HSA Bank is here for you. HSA Bank is here for you even before you sign up with us. Our Client Assistance Center representatives are HSA experts and will help show you the way to a healthy future. They provide live assistance at 800-357-6246 and are available via email at [email protected]. Once enrolled, you’ll receive 24/7 access to your account balance and transaction history with our toll-free automated Bankline system. You can also set up online access and perform all of your regular banking tasks just by logging in. We’ll help you manage your account by keeping you up-to-date with emails and other alerts. Plus, we’ll provide you with the tax forms and instructions you’ll need for your HSA-related tax filing. © 2023-2024 HSA Bank. HSA Bank is a division of Webster Bank, N.A., Member FDIC. Plan Administrative Services and Benefit Services are administered by Webster Servicing LLC. Employee_Program_Announcement_091724 Visit hsabank.com or call the number on the back of your debit card for more information. *State taxes may apply. Consult your tax professional. Not Insured by FDIC or Any Other Government Agency Not Bank Guaranteed Not Bank Deposits or Obligations May Lose Value SECURITIES AND INVESTMENTS