Fifth Third Pricing and Services at a Glance Simple. Straightforward. Transparent. Account Opening and Usage Minimum Deposit Needed $0 to Open Account Health Savings Account: Online (Self) Enrollment1: $5.00 Waived One-time Enrollment Charge1 Enrollment by Employer1: $10.00 Waived Paper Application1: $20.00 Health Savings Account: Average daily balance < $5002: $3.50 Monthly Service Charge Average daily balance $500.01-$2,0002: $3.00 Average daily balance $2,000.01-$3,0002: $2.50 Average daily balance $3,000.01-$4,0002: $2.00 Average daily balance > $4,000.002: $0.00 Health Savings Account: Average daily balance greater than $4,000.00 Requirements to Waive Monthly Service Charge Interest Rate The Fifth Third Bank HSA Cash Account is a deposit account that is FDIC-insured up to the maximum amount permitted by law and earns a competitive rate of interest. Any interest earned on contributions to an HSA accumulates tax-free. The interest rate earned in your HSA Cash Account will only be applicable to the cash amount in each respective tier. HSA Cash Interest Minimum Maximum Account Rate Annual Annual Daily Percentage Percentage Balance Yield Yield (APY) (APY) $0.01 - .25% .25% APY .25% APY $2,000 >$2,000.01 .40% .25% APY .40% APY As of March 1, 2017 ATM Fees -- Fifth Third $0 Non Fifth Third ATM Transactions No fee assessed by Fifth Third Bank; fees may be assessed by the ATM operator. HSA Checks $24.99 Box of 50 Account Closure Fee $25.003* Outgoing Rollover Fee $25.003* 1 Other Service Fees Account Information Copy of statement Per Request $5 per copy (retrieve existing statement) Copy of Check Per Request $5 per copy Payment Information Stop Payment Fee $33 per item. Debit Card Services HSA Debit MasterCard $0 for the first two cards Card Replacement Fee $10 each Other Mutual Fund Participation $24 Monthly Fee Processing Policies Funds Availability Policy Electronic Direct Deposits and Wire Transfers -- When funds deposited to your account Same Business Day we receive the deposit. are available. Check/Cash Deposit at ATM prior to cut-off time - Up to $100 of the total of your check deposits for the day will be available on the day we receive the deposit. Remaining funds will be available on the first Business Day after the day we receive your deposit. * In some situations we may notify you after your deposit is made that your funds will not be available for up to 8 business days. A Business Day is a non-holiday weekday. Funds received after certain cut-off times may be credited the next business day. Please see Rules and Regulations brochure for details. Error Resolution In Case of Errors or Questions About Your Electronic Electronic transactions and to report Transfers: lost/stolen cards or password, Telephone Us: unauthorized transfers. 1-888-350-5353 Write us: Fifth Third Bank Attention: HSA Operations 5050 Kingsley Drive MD 1MOC2G Cincinnati, OH 45263 Please see Rules and Regulations brochure for details. HAVE QUESTIONS? Call: 1-888-350-5353 or click www.53hsa.com. 2 1 If your account is opened through an Employer- Interest rates effective as of March 1, 2017 based plan then your Employer or TPA may pay The Fifth Third Bank HSA Cash Account earns your One-time Enrollment Fee. Please refer to interest. Please request a Rate Sheet or visit your Employer-provided benefits information to 53.com for the interest rates and annual understand if your Employer pays this fee for percentage yields. The Bank may change the you. interest rate and annual percentage yield (APY) at any time without notice. Your interest begins 2 If your account is opened through an Employer- to accrue no later than the business day we based plan then your Employer or TPA may pay receive credit for the deposit of non-cash items your Monthly HSA Service Fee. Please refer to (for example, checks). Interest on your account your Employer-provided benefits information to will be compounded continuously and credited understand if your Employer pays this fee for monthly. The Bank uses the daily balance method you. If your employment is terminated for any to calculate interest on your account. This reason, you will be responsible for payment of method applies a daily periodic rate to the the Monthly HSA Service Fee which is currently balance in your account each day. When your set based on the balance in your account. Please account is closed you will forfeit any accrued refer to the Health Savings Account Monthly interest. Service Charge section on page 1. Fifth Third Bank pays the stated interest rate and 3 Fee is charged and deducted at the time the annual percentage yield (APY) only on that account is closed or rolled over to another portion of the balance within the specified tier. institution. Accounts without transactional The Annual Percentage Yield Earned (APYE) activity within 180 days of account opening will during a statement period is an annualized rate automatically be closed. Any account that reflects the relationship between the daily maintaining a $0.00 balance for 16 consecutive balance and the amount of interest actually months will automatically be closed. The fee will earned on the account within the applicable be the lesser of $25.00 or the remaining balance tier(s). in your account at time of closure/rollover request. Annual Percentage Yield accurate as of date listed in Interest Information. Rates may change 4 Please refer to each individual Prospectus for after the account is opened. Fees may reduce fees related to each Mutual Fund available earnings. through the Fifth Third Bank HSA Investment Options. A balance of $2,000 in the HSA Cash Fifth Third Bank may change the amount or type Account is required before investing in mutual of any of the above fees or add additional fees at funds. An Investment Administration Fee any time in accordance with the terms of the totaling 20 basis points annually will be assessed. Health Savings Custodial Account Agreement. (Basis points are typically used to measure interest rates and other financial percentages. This fee will be applied to your HSA Investment Account at the end of each calendar quarter in increments of 5 basis points, or 0.05% of the total average balance in your investment account. (One basis point equals 1/100th or 0.01% of your total average investment account balance.) Mutual funds are not insured by the FDIC; are not deposits with, obligations of or guaranteed by Bell Bank, Fifth Third Bank or any other bank; and are subject to investment risk, including possible loss of the principal amount invested. 3 Fifth Third Bank – Health Savings Account (HSA) Interest Information The Fifth Third Bank HSA Cash Account is a deposit account that is FDIC-insured up to the maximum amount permitted by law and earns a competitive rate of interest. Any interest earned on contributions to an HSA accumulates tax-free. The interest rate earned in your HSA Cash Account will only be applicable to the cash amount in each respective tier. Health Savings Account (HSA) Cash Account deposits will be: HSA Cash Account Minimum Annual Maximum Annual Daily Balance Interest Rate Percentage Yield Percentage Yield (APY) (APY) $0.01 - $2,000 .25% .25% APY .25% APY $2,000.01 and up .40% .25% APY .40% APY Interest rates effective as of March 1, 2017 The Fifth Third Health Savings Account earns interest. The interest rate and annual percentage yield may change. At the bank’s discretion, the bank may change the interest rate and annual percentage yield at any time on your account. Your interest begins to accrue no later than the business day Fifth Third receives credit for the deposit of non-cash items (for example, checks). Interest on your account will be compounded continuously and credited monthly. Fifth Third uses the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the balance in your account each day. If an account is closed before accrued interest is credited, you will not receive any accrued interest. Fifth Third Bank pays the stated interest rate and annual percentage yield (APY) only on that portion of the balance within the specified tier. The Annual Percentage Yield Earned (APYE) during a statement period is an annualized rate that reflects the relationship between the daily balance and the amount of interest actually earned on the account within the applicable tier(s). Annual Percentage Yield accurate as of date listed in Interest Information. Rates may change after the account is opened. F ees may reduce earnings. No minimum balance required to open the account. July 2012 Fifth Third Bank Health Savings Account Custodial Agreement The Account Owner named on the Application is establishing this 4. For funds to sweep to your Investment Account from your Fifth Third Bank Health Savings Account (HSA) exclusively for HSA Cash Account, or for funds to sweep from your HSA the purpose of paying or reimbursing qualified medical expenses Investment Account to your HSA Cash Account, you must of the Account Owner, his or her spouse, and dependents. The remain opted into the HSA Investment program. Debit cards Custodian is Fifth Third Bank. In this Agreement, the words will only access the funds available in your HSA Cash “you” and “your” shall refer to the Account Owner. The words Account. Check and online bill payment requests can access “we”, “us” and “our” shall refer to the Custodian. You represent the entire HSA balance which includes the Cash Account and that, unless this account is used solely to make rollover Investment Account.