Bank of America

Bank of America provides the Health Savings Account component of the Integrated Healthcare program, "The HSA for Life®". This allows Integrated Healthcare to leverage the strength of Bank of America's brand, consumer presence, debit card processing capabilities, and enormous online banking functionality. "The HSA for Life®" will provide a lifetime of value, regardless of location, place of employment or selection of alternate health insurance plans. "The HSA for Life®" is truly unique and is inspired by the philosophy that living a healthy lifestyle is the best way to control healthcare expenses.

Bank of America's "The HSA for Life®" offers the following features:

• E-signature model enabling a completely electronic enrollment process
• FDIC-insured interest-bearing account, currently paying 3.50% APY
• Visa™-branded, pin-less debit card (4 year expiration)
• Selection of 14 Columbia Investment funds, rated 3.9 by Morningstar, after achieving a minimum threshold of $1,000
• Contributions via electronic draft (one-time or recurring), payroll deduction, and mail-in deposits
• Daily electronic and paper reimbursements
• Daily online bill payment
• Comprehensive 24x7x365 employee web portal, displaying banking, investment, and healthcare data
• Toll-free, Bank of America branded employee and employer customer service center 8am - 11pm EST, M-F, excluding holidays
• Monthly statements
• Welcome kits to new accountholders
• Debit card package to new accountholders (includes debit card and debit card brochure)