Health Savings Account Investments Provided By TD Ameritrade & DEVENIR

TD Ameritrade Brokerage Option

HSA Bank provides you with a unique opportunity to invest your Health Savings Account (HSA) funds in a self-directed brokerage account.

TD Ameritrade offers a wide array of services for your self-directed investing which includes:

• Stocks, bonds and thousands of mutual funds (trading fees may apply)
• Online access to powerful fund-screen capabilities, as well as additional trading tools and third-party research
• Convenient, secure online trade confirmations and account statements
• The ability to set up multiple watch lists

If you're interested in self-directed investing and want to put your money to work for you, learn more about TD Ameritrade. HSA Bank receives compensation from TD Ameritrade for performing certain services.

Note: If you have an existing TD Ameritrade account, you must establish a separate account to invest your HSA funds. Due to tax reporting requirements, it is not possible to use HSA funds for accounts you already have with TD Ameritrade.

DEVENIR Mutual Fund Selection Option

You can invest your HSA funds in a pre-selected group of no-load mutual funds covering a range of fund families and asset classes.

The Mutual Fund Selection Investment benefits include:

• No trading fees for pre-selected group of mutual funds
• An annual fee of $24 is deducted from the investment account balance, prorata.
• Integrated, online access to investment account history, balance information, contribution election, trades and much more all through HSA Bank's Internet Banking
• Access to Morningstar reports and other planning tools
  
  

Learn more about your mutual fund options.

HSA Bank and other business entities receive compensation for providing various services to the funds, including distribution (12b-1) and service fees.

All funds may be purchased at net asset value (NAV) without a front end load. Some mutual funds may charge a redemption fee if not held for the period of time disclosed in each prospectus.

Self-directed investment accounts are the sole responsibility of the account owner. Carefully weigh the advantages and disadvantages of investing your HSA funds before doing so. HSA Bank does not provide brokerage services; brokerage services are provided by TD Ameritrade and DEVENIR. If your HSA balance falls below $5,000, you may incur a monthly investment fee. HSA Bank does not offer investment advice.

Investment accounts are not FDIC insured and they are not bank guaranteed. Investment accounts are not a deposit account, or an obligation of HSA Bank, and they may lose value. They are not guaranteed by any federal government agency. Performance data and ratings represent past performance and are not a guarantee of future results. Investment returns and principal value will fluctuate and investors' shares, when sold, may be worth more or less than their original cost.

Morningstar^® is a registered trademark of Morningstar, Inc.