Common use of Optional Debit Card Clause in Contracts

Optional Debit Card. The following provisions apply if a debit card is made available to Account Owner with respect to the HSA. The use of any debit card in connection with the HSA may be limited to eligible merchants that provide, among other things, health care related goods and services that are eligible for reimbursement as Qualified Medical Expenses and that supply applicable MCC codes for verification purposes. When a debit card is used for a purchase through an electronic funds transfer network, a hold may be placed on the funds available in the HSA that may be necessary to cover the transaction. The hold will be in the amount of the transaction request submitted by the merchant for authorization. Held funds are not available for withdrawal or distribution during the period the hold is in effect, which will be no more than 3 business days. The Account Owner is solely responsible for resolving any disputes with a merchant that accepts the debit card concerning the quality of the goods and services purchased. Any debit card issued to an Account Owner for use with the HSA is the property of the Custodian or other issuer of the debit card and must be returned if requested. The Custodian may also refuse to offer a debit card to any Account Owner at any time and for any reason, or may terminate the debit card without notice. If there are not enough funds in the HSA when a debit card transaction is performed, the Custodian may, in its discretion, refuse to pay the transaction or, if the transaction is paid and the HSA is overdrawn, notify the Account Owner promptly regarding the amount of money needed to be deposited to cover the overdraft. Account Owner agrees to promptly deposit into the HSA the amount of any such overdraft, plus pay all applicable fees. If an overdraft is honored by the Custodian, there is no obligation to do so at any future time. It is Account Owner’s responsibility to protect any debit card issued to him or her, to sign the signature panel on the back of the card upon receipt, and to protect access to the PIN assigned to the debit card. Custodian is not responsible for any improper use of the debit card.

Optional Debit Card. The following provisions apply if a debit card is made available to Account Owner with respect to the HSA. The use of any debit card in connection with the HSA may be limited to eligible merchants that provide, among other things, health care related goods and services that are eligible for reimbursement as Qualified Medical Expenses and that supply applicable MCC codes for verification purposes. When a debit card is used for a purchase through an electronic funds transfer network, a hold may be placed on the funds available in the HSA that may be necessary to cover the transaction. The hold will be in the amount of the transaction request submitted by the merchant for authorization. Held funds are not available for withdrawal or distribution during the period the hold is in effect, which will be no more than 3 business days. The Account Owner is solely responsible for resolving any disputes with a merchant that accepts the debit card concerning the quality of the goods and services purchased. Any debit card issued to an Account Owner for use with the HSA is the property of the Custodian or other issuer of the debit card and must be returned if requested. The Custodian may also refuse to offer a debit card to any Account Owner at any time and for any reason, or may terminate the debit card without notice. If there are not enough funds in the HSA when a debit card transaction is performed, the Custodian may, in its discretion, refuse to pay the transaction or, if the transaction is paid and the HSA is overdrawn, notify the Account Owner promptly regarding the amount of money needed to be deposited to cover the overdraft. Account Owner agrees to promptly deposit into the HSA the amount of any such overdraft, plus pay all applicable fees. If an overdraft is honored by the Custodian, there is no obligation to do so at any future time. It is Account Owner’s responsibility to protect any debit card issued to him or her, to sign the signature panel on the back of the card upon receipt, and to protect access to the PIN assigned to the debit card. Custodian is not responsible for any improper use of the debit card.. Rev. 07/2015 PAGE | 11

Optional Debit Card. The following provisions apply if a debit card is made available to Account Owner with respect to the HSA. The use of any debit card in connection with the HSA may be limited to eligible merchants that provide, among other things, health care related goods and services that are eligible for reimbursement as Qualified Quali- fied Medical Expenses and that supply applicable MCC codes for verification purposespurpos- es. When a debit card is used for a purchase through an electronic funds transfer network, a hold may be placed on the funds available in the HSA that may be necessary neces- sary to cover the transaction. The hold will be in the amount of the transaction request re- quest submitted by the merchant for authorization. Held funds are not available for withdrawal or distribution during the period the hold is in effect, which will be no more than 3 business days. The Account Owner is solely responsible for resolving any disputes with a merchant that accepts the debit card concerning the quality of the goods and services purchased. Any debit card issued to an Account Owner for use with the HSA is the property of the Custodian or other issuer of the debit card and must be returned if requested. The Custodian may also refuse to offer a debit card to any Account Owner at any time and for any reason, or may terminate the debit card without notice. If there are not enough funds in the HSA when a debit card transaction transac- tion is performed, the Custodian may, in its discretion, refuse to pay the transaction or, if the transaction is paid and the HSA is overdrawn, notify the Account Owner promptly regarding the amount of money needed to be deposited to cover the overdraftover- draft. Account Owner agrees to promptly deposit into the HSA the amount of any such overdraft, plus pay all applicable fees. If an overdraft is honored by the CustodianCustodi- an, there is no obligation to do so at any future time. It is Account Owner’s responsibility responsi- bility to protect any debit card issued to him or her, to sign the signature panel on the back of the card upon receipt, and to protect access to the PIN assigned to the debit card. Custodian is not responsible for any improper use of the debit card.