Investment Options AMERICAN CENTURY HERITAGE CLASS A (ATHAX.LW) AMERICAN CENTURY STRAT ALLOC CLASS A (ACVAX.LW) CALVERT INCOME FUND CLASS A (CFICX.

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1 Investment Options With a Health Savings Account (HSA), you can keep and roll over any dollars remaining in your account at the end of the year. Over time, you can build a nest egg of savings in your ACS BNY Mellon HSA Solution ( The HSA Solution ) Checking Account. Once your Checking Account balance reaches a specified minimum amount, you can set up an Investment Account and move some of your HSA dollars into a variety of investment options offered by The HSA Solution. The 22 investment options and brief descriptions of the funds are listed below. You should carefully evaluate all aspects of a mutual fund including a fund s investment style, objectives, expenses and historical performance. You may want to consult a financial advisor to determine which fund(s) may be suited to your financial objectives and risk tolerance. AMERICAN CENTURY HERITAGE CLASS A (ATHAX.LW) The investment seeks long-term capital growth. The fund primarily invests in companies with earnings and revenues that are growing at an accelerating pace. It normally invests in companies that are medium-sized or smaller at the time of purchase, although it may purchase companies of any size. The fund typically invests in common stocks, but can purchase other types of securities such as preferred stocks, non-leveraged stock index futures contracts and options, and debt securities. AMERICAN CENTURY STRAT ALLOC CLASS A (ACVAX.LW) The investment seeks long-term capital growth with a small amount of regular income. The fund usually holds 78% of assets in equities, 20% in bonds, and 2% in cash equivalents. Management diversifies the equity investments among small, medium and large companies. It invests the bond portion in investment- grade securities. The fund may invest up to 10% of assets in below investment-grade (high-yield) securities. CALVERT INCOME FUND CLASS A (CFICX.LW) The investment seeks to maximize income, to the extent consistent with preservation of capital, through investment in bonds and other income producing securities. The fund typically invests at least 65% of net assets in investment-grade U.S. dollar denominated debt securities, as assessed at the time of purchase. It may invest up to 35% of total assets in below investment-grade high-yield debt securities (commonly known as "junk bonds"), including bonds rated in default. The fund may also invest up to 25% of total assets in foreign debt securities.

2 CALVERT SHORT DURATION INC CLASS A (CSDAX.LW) The investment seeks to maximize income to the extent consistent with prudent investment management and preservation of capital. The fund typically invests at least 65% of total assets in investment-grade U.S. dollar denominated debt securities. It may invest up to 35% of total assets in below-investment grade debt securities. The fund may also invest up to 25% of total assets in foreign debt securities. Its average portfolio duration normally ranges from one to three years. DREYFUS APPRECIATION FUND (DGAGX) The investment seeks long-term growth consistent with the preservation of capital; current income is a secondary consideration. The fund normally invests at least 80% of assets in common stock. It focuses on blue chip companies with total market capitalizations of more than $5 billion at the time of purchase, including multi-national companies. Management employs a buy-and-hold investment strategy, and seeks to keep annual portfolio turnover below 15%. The fund may also invest in money market securities. DREYFUS CASH MGMT PLUS INVESTOR SHS (DCVXX) The investment seeks as high a level of current income as is consistent with the preservation of capital and the maintenance of liquidity. The fund invests in a diversified portfolio of high quality, short-term debt securities. Normally, it invests at least 25% of assets in bank obligations. DREYFUS PREMIER STRATEGIC VALUE CLASS A (DAGVX.LW) The investment seeks capital appreciation. The fund normally invests at least 80% of assets in stocks. The fund's stock investments may include common stocks, preferred stocks and convertible securities, including those purchased in initial public offerings. It may invest up to 30% of assets in foreign securities. FIDELITY ADV HIGH INC ADVANTAGE CLASS T (FAHYX) The investment seeks a combination of a high level of income and the potential for capital gains. The fund normally invests in income-producing debt securities, preferred stocks and convertible securities, with an emphasis on lower quality debt securities. It may invest up to 20% of the fund's total assets in common stocks. The fund may invest in companies in troubled or uncertain financial condition. FIDELITY ADVISOR EMERGING MKTS CLASS A (FAMKX.LW) The investment seeks capital appreciation. The fund normally invests at least 80% of assets in securities of issuers in emerging markets (countries that have an emerging stock market as defined by Standard & Poor's (S&P), countries or markets with low- to middle-income economies as classified by the World Bank, and other countries or markets with similar emerging characteristics) and other investments that are tied economically to emerging markets. It primarily invests in common stocks.

3 FIDELITY ADVISOR SMALL CAP CLASS A (FSCDX.LW) The investment seeks long-term growth of capital. The fund normally invests at least 80% of assets in equity securities issued by companies with small market capitalizations. These companies generally have market capitalizations that fall within the range of the Russell 2000 index or the Standard & Poor's SmallCap 600 index. It may invest in domestic and foreign issuers, as well as growth stocks, value stocks, or both. GABELLI ASSET FUND CLASS AAA (GABAX) The investment seeks capital growth; current income is a secondary consideration. The fund will primarily invest in common stocks and preferred stocks and may also invest in securities that may be converted into common stocks. In making stock selections, management strives to earn a 10% real rate of return. The fund may also invest in foreign securities. GOLDMAN SACHS SHORT DURATION GOVT CL A (GSSDX.LW) The investment seeks current income; capital appreciation is a secondary consideration. The fund normally invests at least 80% of assets in U.S. government securities and in repurchase agreements collateralized by such securities. IVY ASSET STRATEGY CLASS A (WASAX.LW) The investment seeks to provide high total return over the long run. The fund seeks to achieve its objective by allocating its assets among primarily stocks, bonds and short-term instruments of issuers located around the world. It may invest in domestic and foreign securities; the fund may invest up to 100% of assets in foreign securities. It may buy or sell options or futures contracts on a security or an index of securities, or enter into swaps. KEELEY SMALL CAP VALUE FUND (KSCVX.LW) The investment seeks capital appreciation. The fund invests in companies with a small market capitalization, which is currently defined as $3.5 billion or less. It normally invests at least 80% of net assets plus the amount of any borrowings for investment purposes in common stocks and other equity type securities (including preferred stock, convertible debt securities and warrants) of companies with small market capitalization. As long as an investment continues to meet the other criteria, it may choose to hold such securities even if the company grows beyond the $3.5 billion capitalization level. MARSICO INTERNAT'L OPPORTUNITIES (MIOFX) The investment seeks long-term growth of capital. The fund invests primarily (no less than 65% of total assets) in common stocks of foreign companies that are selected for their long-term growth potential. It may invest in an unlimited number of companies of any size throughout the world. The fund normally invests in the securities of issuers that are economically tied to one or more foreign countries, and expects to be invested in various issuers or securities that together have ties to at least four different foreign countries.

4 MFS AGGRESSIVE GWTH ALLOCATION CLASS A (MAAGX.LW) The investment seeks a high level of total return consistent with an aggressive level of risk. The fund provides diversification among different asset classes by investing the majority of assets in other MFS mutual funds. MFS RESEARCH INTL CLASS A (MRSAX.LW) The investment seeks capital appreciation. The fund invests primarily in foreign equity securities, including emerging-market equity securities. It may invest in common stocks and related equity securities, such as preferred stock, convertible securities and depositary receipts of foreign companies. The fund may also invest in companies of any size, and it may invest in derivatives. MUTUAL SERIES MUTUAL DISCOVERY CLASS A (TEDIX.LW) The investment seeks capital appreciation. The fund normally invests about 80% of total assets, following a value-oriented strategy, in mid- and large-cap companies with market capitalizations greater than $ 1.5 billion. It may also invest in smaller companies. The fund may invest up to 100% of total assets in foreign securities but not invest more than 25% of total assets in securities of issuers located in emerging market countries. T ROWE PRICE REAL ESTATE FUND ADV CL (PAREX) The investment seeks long-term growth through a combination of capital appreciation and current income. The fund normally invests at least 80% of assets in the equity securities of real estate companies. It may invest up to 20% of assets in companies deriving a substantial portion of revenues or profits from servicing real estate firms, as well as in companies unrelated to the real estate business. The fund will not own real estate directly. TEMPLETON GLOBAL BOND CLASS A (TPINX.LW) The investment seeks current income with capital appreciation and growth of income. The fund normally invests at least 80% of total assets in bonds, including debt securities of any maturity, such as bonds, notes and debentures. It may invest up to 25% of total assets in bonds that are rated below investment grade. The fund also may invest a significant portion of assets in emerging markets. VANGUARD SMALL CAP INDEX (NAESX) The investment seeks to replicate, net of expenses, the MSCI US Small Cap 1750 Index. The fund generally invests all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index. The index measures the investment return of small capitalization stocks.

5 VANGUARD TOTAL STOCK MARKET INDEX (VTSMX) The investment seeks to track the performance of a benchmark index that measures the investment return of the overall stock market. The fund employs a passive management strategy designed to track the performance of the MSCI US Broad Market Index, which represents 99.5% or more of the total market capitalization of all the U.S. common stocks regularly traded on the New York Stock Exchange and the NASDAQ over-the-counter market. It holds a broadly diversified collection of securities that, in the aggregate, approximates the full index in terms of key characteristics. For more information on your HSA investment options or to set up an Investment Account: Log on to The HSA Solution website at hsamember.com Select the Investment tab and follow the links. For additional investment questions, please call The HSA Solution Contact Center at , Monday through Friday from 8 a.m. to 11 p.m., Eastern Time.