HSA Administrator	Freedom HSA
Interest (APR)	$0 - $999.99: 0.50% $1K-$4,999.99: 0.75% $5K-$14,999.99: 1.00% $15K and over: 2.00% Interest rates are subject to change. APY as of 11-18-2009.
FDIC Insured  (Funds in Interest-bearing Account)	Yes for HSA deposit account. Money market and brokerage accounts are NOT FDIC insured.
Securities Investment Options (Brokerage Account)	Options: UMB Financial Services, Inc. At least $1,000 balance to remain in base HSA and initial investment amount varies by fund but can be as low as $1,000. Threshold: Above
Fees	Set Up Fee: $0 Monthly Maintenance Fee: $2.50 Included With Association Membership Closing Fee: $15 Brokerage Account Fee: No fees on money market account $14.95 one time brokerage setup fee $1.50/month from HSA deposit account for having UMB Financials Services account. $20 transaction fee for each purchase, redemption or other transaction in any of the funds on the mutual fund, with the exception of recurring fund purchases of $100 or more. In the case of recurring fund purchases of $100 or more, you will be charged a $2 transaction fee on each such purchase after the initial purchase. Investment Transaction: Above Checks: No Debit Cards: HSA VISA Debit Card Other Fees: $0 debit card replacement fee
Auto Reimbursement	Free secure electronic transactions
Balance Requirements	None
Statements/Reporting	Online access to account and monthly paper statements, Annual Tax Forms

This information is for illustration purposes only and was valid as of 2/18/2010.  Please contact the Freedom HSA plan administrator directly for current details as they do change frequently.