HEALTH SAVINGS ACCOUNT YOUR Take advantage of triple tax savings through an HSA. Reduce your taxable SAVINGS income by contributing into this account, purchase qualified healthcare items JOURNEY free of tax, and earn tax- free interest on HSAinvestment dollars. TO Unused funds will roll over from year to year. You must be enrolled in the company HDHP Medical Plan to be eligible for an HSA. FLEXIBLE SPENDING ACCOUNT Savetax dollars and receive an advanced loan to assistwith qualified expenses with an FSA. Determine your per paycheckcontribution in the beginning of the year, and then spend those funds on qualified health expenses or dependent care expenses asneeded before the plan year ends. The benefit plan information shown in this guide is illustrative only. Tothe extent the benefit plan information summarized herein differs from the underlying plan details specified in the insurance documents that govern the terms and conditions of the plans of insurance described in this guide, the underlying insurance documents will govern in all cases.