HSA investment options offered through Discovery Benefits:

• Cash Account (default account)

  The Cash Account is an FDIC insured non-interest bearing account. A minimum threshold of $2,000 must be maintained in the Cash Account before funds can be transferred to the Interest Bearing Account. Discovery does not require a minimum deposit for opening an HSA.

• Interest Bearing Account

  The Interest Bearing Account is an FDIC insured account into which funds are automatically transferred in $100 increments once the Cash Account threshold is reached. Funds are automatically transferred between the Cash and Interest Bearing Account as Cash Account fund levels increase or decrease. Interest rates are variable. Please see the DBI HSA Investment Fund Sheet for the interest rate.

• Mutual Funds

  Discovery offers a variety of Mutual Fund options for the HSA. You may transfer funds from your Interest Bearing Account to the Mutual Funds at any time via the Employee Web Portal. Please see the DBI HSA Investment Fund Sheet and DBI HSA Fund Expense Information Sheet for a list of the mutual funds and related fund expenses. As with the Interest Bearing Account, Mutual Fund shares may be automatically sold to bring the Cash Account balance to the minimum threshold if necessary. You may initiate Mutual Fund purchases each business day by 1:30 p.m. CST. A three business day settlement applies.

  Any investments made in the mutual funds are not FDIC-insured, are not guaranteed by Discovery Benefits or HealthcareBank and may lose value. Consumers invest at their own risk. Fund ratings represent past performance and are not a guarantee of future results. Investment returns and principal value will fluctuate and investor’s shares, when sold, may be worth more or less than their original cost.

Explanation of Mutual Fund Expenses:

Expense Ratio: An investment company's cost of operating the mutual fund.

12b-1 Credit: An annual marketing fee to investors of the funds. This credit will be used to offset the HealthcareBank custodial management fee.

STA (Sub Transfer Agency) Credit: An expense the fund would incur if they were responsible for the recordkeeping of investors. This credit will be used to offset the HealthcareBank custodial management fee.

Short-Term Redemption Fee % and Days: The percent column indicates the fee charged to investors to redeem a fund if they have not held those dollars in the fund for the number of days indicated under the Short-Term Redemption Fee Days. This fee is to discourage investors from market timing.

Load: A sales fee charged by mutual fund companies. As indicated in the column, these fees are waived on the funds selected.