A qualified high-deductible health plan, the Freedom HSA and you!

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1 Freedom Save with your Investment options with your Freedom HSA! Put your money to work. Based on your HSA deposits and use of funds, your account may accumulate a sizable amount. You have the option to invest additional funds in two investment options a Money Market Sweep Account** and a Self-Directed Brokerage Account.*** Freedom HSA Investing is easy. Your Base Account balance determines your eligibility for Freedom HSA investment options. Once your account balance exceeds $1,000, you may enroll in one or both of the investment options. The automated Money Market Sweep Option** offers the possibility of earning higher returns on balances over $1,000 in your Base Account, while still giving you immediate access to your HSA funds. The Self-Directed Brokerage Option*** offers more than 170 different mutual funds to choose from. Once you have at least $1,000 in your Base Account and the minimum opening investment for each fund you wish to purchase, you may open a brokerage account and buy mutual funds. This option allows you to invest for future medical expenses. The Money Market Sweep Option** A Money Market Sweep Account may allow you to earn higher yields while having those funds quickly available to pay for medical expenses. One of the benefits of this type of account is that funds are tied directly to the Base Account, so the balance is immediately available to pay for qualified medical expenses. The Self-Directed Brokerage Option*** You can also invest excess HSA deposit account funds in a Self-Directed Brokerage Account, thereby giving you the opportunity to manage your investments. To be eligible to open a Self-Directed Brokerage Account through UMB Financial Services, you must have $1,000 in the HSA Base Account, plus the initial minimum investment amount for the fund(s) to be purchased. When the balance eligibility requirements have been met, the account may be opened. qualified HDHP Contribute to your HSA Invest HSA contributions Save money at tax time To find out more about UMB s investment options, please visit us at or call us at HSA. ** A peg balance is set to determine the amount of money to move in and out of the money market mutual fund. Balances in the HSA Base account up to the peg balance are FDIC insured. Any funds over the peg balance are an investment in a money market mutual fund. Investments in a money market mutual fund are not deposits in UMB, n.a. or any other financial institution and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market mutual fund. *** Funds in your HSA Brokerage Account are not FDIC insured. Securities in your HSA Brokerage Account are offered through UMB Financial Services, Inc., Member FINRA, SIPC. UMB Financial Services, Inc. is a subsidiary of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. UMB Financial Services, Inc. is not a bank and is separate from UMB Bank, n.a. and other banks. UMB Financial Services is not a registered broker/dealer in Hawaii or Puerto Rico. Before investing in a mutual fund, you should consider the fund s investment objectives, risks, charges and expenses carefully. Please read the prospectus carefully before you invest or send money. Investments in securities, whether through the Money Market Sweep Account or through the HSA Brokerage Account: Not FDIC INSURED/MAY LOSE VALUE/NO BANK GUARANTEE. A qualified high-deductible health plan, the Freedom HSA and you! A health savings account (HSA) can help you capitalize on your health care dollars! When you combine a qualified high-deductible health plan and a tax-qualified HSA, you can accumulate money to cover qualified health care expenses tax-free. You earn interest on your account, which can be used as a nest egg for future medical costs or for taxable retirement income. Join the more than 8 million people that have realized the value of an HSA since While the Freedom HSA provides interest on your basic deposit account balance, investing your HSA dollars provides tax-deferred market growth potential. UMB Reg. U.S. Pat. & Tm. Off

2 Why an HSA? How much can I contribute to my HSA? Who can contribute to my HSA? The maximum contribution for 2010 is $3,050 for individuals and $6,150 for families. With the Freedom HSA, you can make deposits into your account through automatic bank deposits or by submitting a check to your account. Anyone can put money into your account, including but not limited to family members and employers. Please consult a tax professional regarding the tax deductibility of funds not contributed by you, the account owner. Persons age 55 and older may make an additional catch-up contribution of $1,000. Can I use my HSA dollars for expenses not covered by my health plan? How do I withdraw money from my HSA? Yes! It is your money and you can take it out at any time. Qualified expenses include things such as health plan deductible, coinsurance, LASIK, dental care, over-the-counter medications and much more! If you use HSA dollars for non-qualified expenses, you will be subject to ordinary income taxes on the amount and may be subject to a 10 percent federal tax penalty. You cannot use your HSA funds to pay your health insurance premiums. Contributions are tax-deductible reduce your taxable income Money can be withdrawn tax-free for qualified out-of-pocket medical expenses and other expenses not covered by your health insurance, including: deductibles, eye exams, glasses, over-the-counter medications, long-term care insurance premiums and much more Money not withdrawn before age 65 can be used for retirement income subject to ordinary income taxes Why the Freedom HSA? With the Freedom HSA, you have three options for withdrawal: 1. Online withdrawal through the secure Web site, or Ease of setup and use when you keep your savings account and medical coverage within the same company You choose how to access your account online or through our friendly customer service representatives 2. Freedom HSA debit card Be sure to keep your medical expense receipts! Easy access to your money for medical or other qualified withdrawals using the your Freedom HSA debit card or automatic bank withdrawal Qualified medical expenses must be incurred on or after the date the account was established. For example, if you open your account in August, you are not able to use the funds for medical expenses incurred the prior June. Competitive interest rates Does my HSA earn interest? Investment options for accounts with balances of $1,000 or more Yes! Competitive interest rates apply to all Base Account balances. Current rates can be found at. Online, real-time review of your account balances and activity Who can have an HSA? Anyone 18 to 64 years old, who is insured by a qualified high-deductible health plan and cannot be claimed as a dependent on someone else s tax return, may set up and contribute to an HSA. You may keep your account for your lifetime. Who determines if the funds I withdraw are used for a qualified expense? You are responsible for determining if the expense is qualified. A list of qualified services can also be found at. Can I invest my HSA dollars? Yes. Once your Base Account reaches a minimum balance of $1,000, investment opportunities are available through UMB. No matter which option you select, your Base Account balance must retain a $1,000 minimum balance. See the investment section of this guide for further details. What happens to the money in my HSA if I turn age 65, no longer have a qualified health plan or pass away? Any money deposited into your account is yours and will remain in your account until you decide to withdraw it. At age 65, your HSA can be withdrawn for retirement income, which will be subject to ordinary income tax. However, the 10 percent federal tax penalty for withdrawing funds for non-qualified expenses no longer applies. In the event of your death, your named beneficiary determines what will happen with the HSA. If your spouse is your beneficiary, the account will be treated as your spouse s HSA account after your death. If your beneficiary is your estate or anyone other than a spouse, the account terminates and distributions are subject to any applicable taxes. What are the account fees? The standard account fees are very competitive, please see your Custodial Agreement for more information.

3 Why an HSA? How much can I contribute to my HSA? Who can contribute to my HSA? The maximum contribution for 2010 is $3,050 for individuals and $6,150 for families. With the Freedom HSA, you can make deposits into your account through automatic bank deposits or by submitting a check to your account. Anyone can put money into your account, including but not limited to family members and employers. Please consult a tax professional regarding the tax deductibility of funds not contributed by you, the account owner. Persons age 55 and older may make an additional catch-up contribution of $1,000. Can I use my HSA dollars for expenses not covered by my health plan? How do I withdraw money from my HSA? Yes! It is your money and you can take it out at any time. Qualified expenses include things such as health plan deductible, coinsurance, LASIK, dental care, over-the-counter medications and much more! If you use HSA dollars for non-qualified expenses, you will be subject to ordinary income taxes on the amount and may be subject to a 10 percent federal tax penalty. You cannot use your HSA funds to pay your health insurance premiums. Contributions are tax-deductible reduce your taxable income Money can be withdrawn tax-free for qualified out-of-pocket medical expenses and other expenses not covered by your health insurance, including: deductibles, eye exams, glasses, over-the-counter medications, long-term care insurance premiums and much more Money not withdrawn before age 65 can be used for retirement income subject to ordinary income taxes Why the Freedom HSA? With the Freedom HSA, you have three options for withdrawal: 1. Online withdrawal through the secure Web site, or Ease of setup and use when you keep your savings account and medical coverage within the same company You choose how to access your account online or through our friendly customer service representatives 2. Freedom HSA debit card Be sure to keep your medical expense receipts! Easy access to your money for medical or other qualified withdrawals using the your Freedom HSA debit card or automatic bank withdrawal Qualified medical expenses must be incurred on or after the date the account was established. For example, if you open your account in August, you are not able to use the funds for medical expenses incurred the prior June. Competitive interest rates Does my HSA earn interest? Investment options for accounts with balances of $1,000 or more Yes! Competitive interest rates apply to all Base Account balances. Current rates can be found at. Online, real-time review of your account balances and activity Who can have an HSA? Anyone 18 to 64 years old, who is insured by a qualified high-deductible health plan and cannot be claimed as a dependent on someone else s tax return, may set up and contribute to an HSA. You may keep your account for your lifetime. Who determines if the funds I withdraw are used for a qualified expense? You are responsible for determining if the expense is qualified. A list of qualified services can also be found at. Can I invest my HSA dollars? Yes. Once your Base Account reaches a minimum balance of $1,000, investment opportunities are available through UMB. No matter which option you select, your Base Account balance must retain a $1,000 minimum balance. See the investment section of this guide for further details. What happens to the money in my HSA if I turn age 65, no longer have a qualified health plan or pass away? Any money deposited into your account is yours and will remain in your account until you decide to withdraw it. At age 65, your HSA can be withdrawn for retirement income, which will be subject to ordinary income tax. However, the 10 percent federal tax penalty for withdrawing funds for non-qualified expenses no longer applies. In the event of your death, your named beneficiary determines what will happen with the HSA. If your spouse is your beneficiary, the account will be treated as your spouse s HSA account after your death. If your beneficiary is your estate or anyone other than a spouse, the account terminates and distributions are subject to any applicable taxes. What are the account fees? The standard account fees are very competitive, please see your Custodial Agreement for more information.

4 Why an HSA? How much can I contribute to my HSA? Who can contribute to my HSA? The maximum contribution for 2010 is $3,050 for individuals and $6,150 for families. With the Freedom HSA, you can make deposits into your account through automatic bank deposits or by submitting a check to your account. Anyone can put money into your account, including but not limited to family members and employers. Please consult a tax professional regarding the tax deductibility of funds not contributed by you, the account owner. Persons age 55 and older may make an additional catch-up contribution of $1,000. Can I use my HSA dollars for expenses not covered by my health plan? How do I withdraw money from my HSA? Yes! It is your money and you can take it out at any time. Qualified expenses include things such as health plan deductible, coinsurance, LASIK, dental care, over-the-counter medications and much more! If you use HSA dollars for non-qualified expenses, you will be subject to ordinary income taxes on the amount and may be subject to a 10 percent federal tax penalty. You cannot use your HSA funds to pay your health insurance premiums. Contributions are tax-deductible reduce your taxable income Money can be withdrawn tax-free for qualified out-of-pocket medical expenses and other expenses not covered by your health insurance, including: deductibles, eye exams, glasses, over-the-counter medications, long-term care insurance premiums and much more Money not withdrawn before age 65 can be used for retirement income subject to ordinary income taxes Why the Freedom HSA? With the Freedom HSA, you have three options for withdrawal: 1. Online withdrawal through the secure Web site, or Ease of setup and use when you keep your savings account and medical coverage within the same company You choose how to access your account online or through our friendly customer service representatives 2. Freedom HSA debit card Be sure to keep your medical expense receipts! Easy access to your money for medical or other qualified withdrawals using the your Freedom HSA debit card or automatic bank withdrawal Qualified medical expenses must be incurred on or after the date the account was established. For example, if you open your account in August, you are not able to use the funds for medical expenses incurred the prior June. Competitive interest rates Does my HSA earn interest? Investment options for accounts with balances of $1,000 or more Yes! Competitive interest rates apply to all Base Account balances. Current rates can be found at. Online, real-time review of your account balances and activity Who can have an HSA? Anyone 18 to 64 years old, who is insured by a qualified high-deductible health plan and cannot be claimed as a dependent on someone else s tax return, may set up and contribute to an HSA. You may keep your account for your lifetime. Who determines if the funds I withdraw are used for a qualified expense? You are responsible for determining if the expense is qualified. A list of qualified services can also be found at. Can I invest my HSA dollars? Yes. Once your Base Account reaches a minimum balance of $1,000, investment opportunities are available through UMB. No matter which option you select, your Base Account balance must retain a $1,000 minimum balance. See the investment section of this guide for further details. What happens to the money in my HSA if I turn age 65, no longer have a qualified health plan or pass away? Any money deposited into your account is yours and will remain in your account until you decide to withdraw it. At age 65, your HSA can be withdrawn for retirement income, which will be subject to ordinary income tax. However, the 10 percent federal tax penalty for withdrawing funds for non-qualified expenses no longer applies. In the event of your death, your named beneficiary determines what will happen with the HSA. If your spouse is your beneficiary, the account will be treated as your spouse s HSA account after your death. If your beneficiary is your estate or anyone other than a spouse, the account terminates and distributions are subject to any applicable taxes. What are the account fees? The standard account fees are very competitive, please see your Custodial Agreement for more information.

5 Freedom Save with your Investment options with your Freedom HSA! Put your money to work. Based on your HSA deposits and use of funds, your account may accumulate a sizable amount. You have the option to invest additional funds in two investment options a Money Market Sweep Account** and a Self-Directed Brokerage Account.*** Freedom HSA Investing is easy. Your Base Account balance determines your eligibility for Freedom HSA investment options. Once your account balance exceeds $1,000, you may enroll in one or both of the investment options. The automated Money Market Sweep Option** offers the possibility of earning higher returns on balances over $1,000 in your Base Account, while still giving you immediate access to your HSA funds. The Self-Directed Brokerage Option*** offers more than 170 different mutual funds to choose from. Once you have at least $1,000 in your Base Account and the minimum opening investment for each fund you wish to purchase, you may open a brokerage account and buy mutual funds. This option allows you to invest for future medical expenses. The Money Market Sweep Option** A Money Market Sweep Account may allow you to earn higher yields while having those funds quickly available to pay for medical expenses. One of the benefits of this type of account is that funds are tied directly to the Base Account, so the balance is immediately available to pay for qualified medical expenses. The Self-Directed Brokerage Option*** You can also invest excess HSA deposit account funds in a Self-Directed Brokerage Account, thereby giving you the opportunity to manage your investments. To be eligible to open a Self-Directed Brokerage Account through UMB Financial Services, you must have $1,000 in the HSA Base Account, plus the initial minimum investment amount for the fund(s) to be purchased. When the balance eligibility requirements have been met, the account may be opened. qualified HDHP Contribute to your HSA Invest HSA contributions Save money at tax time To find out more about UMB s investment options, please visit us at or call us at HSA. ** A peg balance is set to determine the amount of money to move in and out of the money market mutual fund. Balances in the HSA Base account up to the peg balance are FDIC insured. Any funds over the peg balance are an investment in a money market mutual fund. Investments in a money market mutual fund are not deposits in UMB, n.a. or any other financial institution and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market mutual fund. *** Funds in your HSA Brokerage Account are not FDIC insured. Securities in your HSA Brokerage Account are offered through UMB Financial Services, Inc., Member FINRA, SIPC. UMB Financial Services, Inc. is a subsidiary of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. UMB Financial Services, Inc. is not a bank and is separate from UMB Bank, n.a. and other banks. UMB Financial Services is not a registered broker/dealer in Hawaii or Puerto Rico. Before investing in a mutual fund, you should consider the fund s investment objectives, risks, charges and expenses carefully. Please read the prospectus carefully before you invest or send money. Investments in securities, whether through the Money Market Sweep Account or through the HSA Brokerage Account: Not FDIC INSURED/MAY LOSE VALUE/NO BANK GUARANTEE. A qualified high-deductible health plan, the Freedom HSA and you! A health savings account (HSA) can help you capitalize on your health care dollars! When you combine a qualified high-deductible health plan and a tax-qualified HSA, you can accumulate money to cover qualified health care expenses tax-free. You earn interest on your account, which can be used as a nest egg for future medical costs or for taxable retirement income. Join the more than 8 million people that have realized the value of an HSA since While the Freedom HSA provides interest on your basic deposit account balance, investing your HSA dollars provides tax-deferred market growth potential. UMB Reg. U.S. Pat. & Tm. Off

6 Freedom Save with your Investment options with your Freedom HSA! Put your money to work. Based on your HSA deposits and use of funds, your account may accumulate a sizable amount. You have the option to invest additional funds in two investment options a Money Market Sweep Account** and a Self-Directed Brokerage Account.*** Freedom HSA Investing is easy. Your Base Account balance determines your eligibility for Freedom HSA investment options. Once your account balance exceeds $1,000, you may enroll in one or both of the investment options. The automated Money Market Sweep Option** offers the possibility of earning higher returns on balances over $1,000 in your Base Account, while still giving you immediate access to your HSA funds. The Self-Directed Brokerage Option*** offers more than 170 different mutual funds to choose from. Once you have at least $1,000 in your Base Account and the minimum opening investment for each fund you wish to purchase, you may open a brokerage account and buy mutual funds. This option allows you to invest for future medical expenses. The Money Market Sweep Option** A Money Market Sweep Account may allow you to earn higher yields while having those funds quickly available to pay for medical expenses. One of the benefits of this type of account is that funds are tied directly to the Base Account, so the balance is immediately available to pay for qualified medical expenses. The Self-Directed Brokerage Option*** You can also invest excess HSA deposit account funds in a Self-Directed Brokerage Account, thereby giving you the opportunity to manage your investments. To be eligible to open a Self-Directed Brokerage Account through UMB Financial Services, you must have $1,000 in the HSA Base Account, plus the initial minimum investment amount for the fund(s) to be purchased. When the balance eligibility requirements have been met, the account may be opened. qualified HDHP Contribute to your HSA Invest HSA contributions Save money at tax time To find out more about UMB s investment options, please visit us at or call us at HSA. ** A peg balance is set to determine the amount of money to move in and out of the money market mutual fund. Balances in the HSA Base account up to the peg balance are FDIC insured. Any funds over the peg balance are an investment in a money market mutual fund. Investments in a money market mutual fund are not deposits in UMB, n.a. or any other financial institution and are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market mutual fund. *** Funds in your HSA Brokerage Account are not FDIC insured. Securities in your HSA Brokerage Account are offered through UMB Financial Services, Inc., Member FINRA, SIPC. UMB Financial Services, Inc. is a subsidiary of UMB Bank, n.a. UMB Bank, n.a. is a wholly owned subsidiary of UMB Financial Corporation. UMB Financial Services, Inc. is not a bank and is separate from UMB Bank, n.a. and other banks. UMB Financial Services is not a registered broker/dealer in Hawaii or Puerto Rico. Before investing in a mutual fund, you should consider the fund s investment objectives, risks, charges and expenses carefully. Please read the prospectus carefully before you invest or send money. Investments in securities, whether through the Money Market Sweep Account or through the HSA Brokerage Account: Not FDIC INSURED/MAY LOSE VALUE/NO BANK GUARANTEE. A qualified high-deductible health plan, the Freedom HSA and you! A health savings account (HSA) can help you capitalize on your health care dollars! When you combine a qualified high-deductible health plan and a tax-qualified HSA, you can accumulate money to cover qualified health care expenses tax-free. You earn interest on your account, which can be used as a nest egg for future medical costs or for taxable retirement income. Join the more than 8 million people that have realized the value of an HSA since While the Freedom HSA provides interest on your basic deposit account balance, investing your HSA dollars provides tax-deferred market growth potential. UMB Reg. U.S. Pat. & Tm. Off

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