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BENEFITS FOR EMPLOYEES

• Ease of use
  
• Investment service
  
• Line of credit option

WHY J.P. MORGAN?

• Exceptional service
  
• Vast experience
  
• Comprehensive Features
  
• Flexibility

BENEFITS FOR EMPLOYEES

Ease of use
Chase HSAs give employees all the tools they need to access funds and monitor balances with total ease and convenience:

• An FDIC-insured, interest-bearing cash account with competitive interest rates
  
• A VISA debit card that is accepted at thousands of ATMs and points of sale
  
• Convenient Online Bill Pay for qualified medical expenses
  
• Flexible funding opportunities (payroll deduction as well as discretionary deposits)
  
• Online access to transaction history and balance information

Investment service

• Chase HSAs offer qualifying employees an optional investment account through
  J.P. Morgan Institutional Investments Inc.*
  
• Each accountholder will be able to create a balanced portfolio that reflects his/her specific needs and risk preferences.
  
• Most programs carry no fees for online mutual fund trades, and funds can be transferred quickly and easily to the employee’s HSA cash account when needed.**

Line of credit option

• Employees have the option to apply for a Healthcare Line of Credit that can provide a safety net for unanticipated healthcare expenses prior to funds being deposited into the account.
  
• If their healthcare costs exceed their available HSA balances, the line of credit automatically covers expenses up to their available credit limit.
  
• There are no application or annual fees associated with the Healthcare Line of Credit.***

WHY J.P. MORGAN?

Exceptional service
Our dedicated HSA service team is committed to the success of your program at every stage, from implementation and enrollment to the smooth day-to-day operation of your employees’ accounts. In addition, you will have access to a live client service unit to answer any of your operational questions and provide the personalized guidance you may need.

Vast experience

• J.P. Morgan was one of the first banks in the nation to offer Health Savings Accounts, so you gain the benefit of our years of experience assisting employers of all sizes, in all industries.
  
• We are a leading innovator in this fast-evolving industry, so you’ll be among the first to benefit from new ideas and better choices.
  
• J.P. Morgan and Chase are names that your employees know and trust, which reinforces that opening a Health Savings Account is a smart decision.

Comprehensive Features
All J.P. Morgan HSA Programs include:

• Secure, online access for program administration
  
• Flexible options for funding employee HSAs
  
• A comprehensive menu of administrative reports on your program
  
• Access to the HSA Adoption Kit for Employee Education
  
• Optional line of credit feature available on HSAs
  
• Wide range of employee investment options

Flexibility

• An HSA program from J.P. Morgan can be paired with High Deductible Health Plans from any insurance company.
  
• If you decide to change insurers at any point, there’s no need to change HSA administrators - which will give the freedom to make cost-effective decisions in the future with minimal disruption to employees.