Illustrated Results Assume

• Current regulation of HSAs, including allowable contribution amounts, remains unchanged.

• Each individual remains HSA-eligible to age 65 and then enrolls in Medicare.

• Annual interest is applied to the average annual account balance.

• Individual and spouse make maximum catch-up amounts to separate accounts beginning at age 55.

• Funds withdrawn to pay eligible expenses do not add to accumulated funds.

• Interest rates are not guaranteed. Your experience may vary.

• HSAs are not a pension or retirement plan. HSAs should not be purchased in lieu of a qualified pension or retirement plan.

• This is not tax or legal advice, which should only be sought from a qualified professional advisor.