Union Bank & Trust: Health Savings Account (HSA)

Is a Health Savings Account right for you?

You may want to consider an HSA if:

You’re self-insured or self-employed and want a cost-
effective health insurance solution that also helps you build financial security

You’re a business owner and want to offer this alternative to your employees while lowering your overall health insurance costs.

You currently participate in, or are thinking of
participating in, a high deductible health plan (HDHP).

You want to save additional tax-free money for retirement.

You could benefit from tax-deductible contributions.

Which Health Savings Account is right for you?

Mutual Fund HSA*

Deposit HSA

Mutual Fund Investment Options

Growth-oriented balance with low level of activity

Higher balances

Online account management

Variable balance with high activity

Direct electronic deposit to an FDIC insured account

Accessibility: checks, debit card, ATM

E-Statements available

Efficient account management with free Online BillPay

Description
The Union Bank Mutual Fund Health Savings Account is designed to help the consumer take control of current and future health care costs. When you use the Mutual Fund HSA in conjunction with a HDHP, you can invest your account balance in a variety of mutual funds offered specifically to meet your investment objectives.

Account Details

Minimum Deposit $2,000.00

Quarterly Fee $ 5.00

Closing Fee (if closed in the first year) $20.00

Web access 24 hours a day

Free monthly statements

Investments
Balances up to $2,000.00 will be invested in a money market. Balances above $2,000.00 can be invested in the following mutual fund families:
JP Morgan, Goldman Sachs, Pimco, Fidelity, Wilshire,
American Century, Columbia, Oppenheimer, T. Rowe Price

Description
The Union Bank Deposit Health Savings Account is designed for the consumer who plans to utilize the funds in the account frequently.

Account Details

Minimum Deposit $50.00

Quarterly Fee $5.00 (waived for first 90 days)

Closing Fee (if closed in the first year) $20.00

Free Health Savings Check Card with no
activity fee for transactions using the card

Free personal Online Banking

Free Online BillPay

Free monthly statements

FDIC Insured

Investments
Tiered interest rates based on balance.

To learn more about Health Savings Accounts:

Call
Lincoln — (402) 323-1777
Omaha — (402) 827-1999 or (800) 297-2837
Greater Nebraska — (800) 297-2837
Kansas — (913) 667-8600 or (800) 297-2837

E-Mail
E-mail us at hsa@ubt.com with your question, information request or to let us know your are interested in opening an account.

*Investment services offered through Union Bank & Trust Company’s Trust Division.

Investment products: Not FDIC Insured - No Bank Guarantee - May Lose Value.

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Important Information About Procedures For Opening A New Account—
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you; we may also ask to see your driver’s license or other identifying documents.

FDIC Insurance:
For general information on FDIC Insurance, click here. For an important disclosure regarding deposit insurance on noninterest-bearing transaction accounts, click here.

**Insurance policies are obligations of the issuing insurance company, and are not obligations or deposits of, or guaranteed by any bank and are not FDIC insured. Annuities subject to investment risks, including possible loss of the principal amount invested. Union Bank makes insurance available through its affiliated company Union Agency Inc.