Health Savings Account Investment Platform. Innovative, Cost-Efficient Healthcare Account Solutions

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1 Health Savings Account Investment Platform Innovative, Cost-Efficient Healthcare Account Solutions 1

2 Investment Account Information The Bancorp Bank s Investment Services group offers a robust, self-directed Health Savings Account investment solution. This platform is not limited to a small group of mutual funds, which is typical of other Health Savings Accounts. This unique solution is offered through Bancorp s relationship with National Financial Services, LLC. Established in 1983, NFS, a Fidelity Investments company, is one of the largest providers of brokerage services in the United States. Investment accounts are self-directed with numerous tools and calculators available through the mystreetscape individual trading portal.

3 Account Guidelines Health Savings Account holders may open an investment account once their HSA balance meets or exceeds $ There is no cost to open or maintain the investment account if the minimum required balance of $ remains in the individual s core Health Savings Account. If the HSA balance falls below the required minimum balance of $ , an investment monthly fee of $3.50 may be assessed until the HSA balance increases to $ or above. Find additional details and guidance outlined within the Investment Account Application and the Investment page of our website..

4 Investment Account Applications Applications may be downloaded from the client website under the Investment Account Information Screen. Please note that Health Savings Accounts are individually owned and investment accounts are only established in the name of the sole HSA account holder. The investment account application can be mailed to: 409 Silverside Rd. Suite 105 Wilmington, DE ATTN: New Accounts Dept. Applications may also be faxed securely to the following fax number: Bancorp processes the application within 2 business days of receiving completed application. Within 7 days, the account is fully established. The account holder will receive login data via .

5 Trading Process The Brokerage Account and Health Savings Account are electronically linked for a smooth, automated trading and settlement process The Bancorp Bank establishes a sweep account to allow funds to flow back and forth from an individual s HSA into their corresponding investment account Please Note: Funds will not sweep automatically back into the HSA unless a member places a trade to sell a position

6 Investment Account Service Questions are referred to This number is staffed by Bancorp representatives who are trained to assist with general questions about the investment account process If all representatives are unavailable or busy on other calls, members may be asked to leave a voic . Callbacks are made within the same business day when a message is left before 3:00pm EST This platform is self-directed and investment advice will not be provided Trades are generally placed online by members. If someone wishes to place a trade over the phone, they may contact the NFS trading desk at: * *There is an additional $8.00 fee charged for this assistance

7 Tips Before Trading Review the application and all guidelines surrounding the investment account Check your HSA balance (online or via Customer Service) to ensure you have enough funds to maintain $ as a minimum balance in your Health Savings Account (after placing trades) Keep in mind that trade fees will apply which could further reduce your core HSA balance below the minimum balance requirement. Check the online fee schedule for further information Utilize mystreetscape tools or seek the guidance of an advisor to research trading possibilities

8 Web Site Investment Page Brokerage account guidelines Application and customer agreement Login information Information about National Financial Services Fee schedule Listing of low-cost mutual funds (Only $5.99 per trade!)

9 Trading Portal The initial screen shows an overview of the brokerage account holder s portfolio This user-friendly site allows members to: Place trades (equities & mutual funds) Retrieve reports & track portfolio Research equities Chart stock options

10 Trading Process Step 1 Click trade to trade in mutual funds or individual equities

11 Trading Process Step 2 Once you click on Trade you will see a drop-down menu with the following information: Order Management -Order Status Order Tickets -Equities -Mutual Funds Trading Tools

12 Trading Process Step 3 Under Action select Buy or Sell

13 Trading Process Step 4 Enter Symbol/CUSIP, and all other necessary data

14 Trading Process Step 5 Preview selection and if satisfied, complete order