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Envelope-to: rcruz@sapasequipment.com
Delivery-date: Fri, 12 Jul 2024 12:01:46 -0400
From: "HealthEquity, Inc." <HealthEquity@e.healthequity.com>
To: <rcruz@sapasequipment.com>
Subject: Important change to your HSA interest rates program
Date: Fri, 12 Jul 2024 10:01:03 -0600
MIME-Version: 1.0
Reply-To: "HealthEquity, Inc." <reply-fe8916747c640c7a7d-15202_HTML-509837484-100027866-1007@e.healthequity.com>
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<div class="preheader" style="font-size: 1px; display: none !important;">What you need to know about upcoming changes</div>
				
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						What you need to know about upcoming changes
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                              <p style="margin: 0px; text-align: left;"><span style="font-size: 30px; line-height: 34px;">Dear Richard,</span></p>
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                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">This notice describes a change to HealthEquity&rsquo;s Cash Placement Program, which is the program for adding interest to uninvested cash in your Health Savings Account (HSA), as described in your cash supplement to HealthEquity&rsquo;s custodial agreement. Currently, HealthEquity offers both Enhanced Rates and Basic Rates options in its Cash Placement Program. Our records reflect that, as of May 8, 2024, you were in the Basic Rates program.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">The program change will transition your HSA cash to the Enhanced Rates program during the month of July unless you affirmatively elect to remain in the Basic Rates program. If you do not want your HSA cash transferred to the Enhanced Rates program, you must take action by July 29, 2024.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><strong><span style="font-size: 16px; line-height: 22px;">What you need to</span><span style="font-size: 16px; line-height: 22px;"> know</span></strong></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">Members enrolled in the Enhanced Rates program may receive a higher Member Net Interest rate than is provided under the Basic Rates program. However, as described below,<sup>1</sup> cash in the Enhanced Rates program is not eligible for federal insurance (e.g., by the FDIC) and HealthEquity&rsquo;s compensation will increase as a result of the transition of your HSA to the Enhanced Rates program.<sup>2</sup> Visit the <a class=" st-no-tracking" style="color: #000000;" href="https://click.e.healthequity.com/?qs=c52210c70eac41f85a24ec8758639216d0c320555d10d644da34ddfcfdc69691a0d73959278de524529babc5c1ccd78eb89fef94544ea245d3657a00c1f9f415"><span style="color: #008093;"><u>HealthEquity Help Center</u></span></a> to learn more about Basic and Enhanced Rates.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">Unless you take action by July 29, your HSA is scheduled to transition to the Enhanced Rates program on or around July 31, 2024. You can affirmatively elect to remain in the Basic Rates program by following the steps below before July 29. You are not required to transition to the Enhanced Rates program, but if you do not want to transition, you must take action by July 29. </span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">How to affirmatively elect to remain in the Basic Rates program:</span></p>
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                              <ol style="margin-bottom: 0px !important; margin-top: 0px !important;">
                                <li style="text-align: left;"><span style="font-size: 16px; line-height: 22px;">Log into your HealthEquity account and select <strong>Interest Rates</strong> under <strong>Manage Accounts</strong>.</span></li>
                                <li style="text-align: left;"><span style="font-size: 16px; line-height: 22px;">From the <strong>Interest Rates</strong> page, select the &lsquo;Stay in these rates&rsquo; button on the Basic Rates option and click &lsquo;Confirm&rsquo;.</span></li>
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                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">Following the transition to Enhanced Rates, your ability to move HSA cash from Enhanced Rates back into the Basic Rates program will be limited by the available capacity in the Basic Rates Program.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">When the transition of your HSA to the Enhanced Rates program is complete, your HSA will be governed by the terms contained in the Enhanced Rates program cash supplement to HealthEquity&rsquo;s custodial agreement. The change is being made in accordance with the amendment provisions of your current cash supplement. You can access a copy of this cash supplement on the Interest Rates page of your HealthEquity account.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">If you have questions about this transition, you can contact HealthEquity Member Services 24/7. Log in to your HealthEquity account to chat live at any time.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">Thank you for being a HealthEquity member!</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 16px; line-height: 22px;">Sincerely,</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><strong><span style="font-size: 16px; line-height: 22px;">Your HealthEquity Team </span></strong></p>
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<span style="font-size: 12px; line-height: 18px;">The transition of HSA cash to the Enhanced Rates program is being made in accordance with the amendment provisions of the cash supplement to HealthEquity&rsquo;s custodial agreement. The decision to transition reflects a decision to change HealthEquity&rsquo;s terms of service. The decision was made in the interest of HealthEquity and not in the interest of you or any other Member. HealthEquity is not recommending that you transition to Enhanced Rates (which will happen if you don&rsquo;t take action) or that you remain in Basic Rates (which will require action by you). The decision is for you to make and involves a trade-off between (1) a new interest rate schedule (which currently provides a higher Member Net Interest rate than what is
 available under Basic Rates, but requires giving up the opportunity for federal insurance and allowing HealthEquity&rsquo;s compensation to increase), or (2) staying in the Basic Rates program with the opportunity to keep federal insurance (but with a lower rate of interest). If you do not take action by July 29, 2024, you will be deemed to have elected to transition to Enhanced Rates and to have accepted the terms of your new cash supplement.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">THIS IS THE ONLY NOTICE THAT YOU WILL RECEIVE OF THIS TRANSITION. THERE WILL BE NO REMINDER OR OTHER FOLLOW-UP BEFORE THE TRANSITION OCCURS. IF YOU DO NOT WANT TO TRANSITION TO ENHANCED RATES, YOU MUST TAKE ACTION BY JULY 29, 2024.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">Capitalized terms used in this notice have the meaning given to them in the cash supplement to HealthEquity&rsquo;s custodial agreement.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;"><sup>1</sup>In the Enhanced Rates program, your HSA cash balance will be allocated to an interest-bearing group annuity contract issued by a participating insurance company. Because HSA cash in the Enhanced Rates program is held in group annuity contracts, that cash is not federally insured (e.g., by the FDIC). Each group annuity contract is subject to the credit risk of the insurer issuing it.</span></p>
                              <p style="margin: 0px; text-align: left;">&zwnj;<br /></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;"><sup>2</sup>As with the Basic Rates program, HealthEquity&rsquo;s compensation under the Enhanced Rates program includes the excess of interest paid by the group annuity contract over the interest credited to your HSA. Regardless of the amount paid by the group annuity contract, your interest under the Enhanced Rates program will be determined by the schedule in the Enhanced Rate program cash supplement to HealthEquity&rsquo;s custodial agreement (a copy of which is included with this notice). HealthEquity anticipates that the transition of your HSA to the Enhanced Rates program will result in an increase to HealthEquity&rsquo;s compensation. </span></p>
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                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">HealthEquity does not provide legal, tax or financial advice.</span></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">&nbsp;</span></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">To unsubscribe or change your email preferences, <a class="st-no-tracking" style="color: #626668;" href="https://click.e.healthequity.com/?qs=c52210c70eac41f84af742299820a63c75ef0ded0a24af7a9ee78e7fe59e086acdeecb865f58f1548b4658ff921e7c594223760a9374aa59a8e58459da0f8f35"><span style="color: #008093;"><u>click here</u></span></a><u></u>.</span></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">&nbsp;</span></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">HealthEquity respects your privacy. To learn more, read our <a style="color: #626668;" href="https://click.e.healthequity.com/?qs=c52210c70eac41f81aa0760aea8cc0ef7d2841fcde7c8803db688ad2a75d573f7d38fdffd52db6263e6e29cea8577fc658a044e2b1b56df82cc732408de15290"><span style="color: #008093;"><u>privacy policy</u></span></a>.</span></p>
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                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">If you receive a suspicious email, please report it by forwarding the email to </span><span style="font-size: 12px; line-height: 18px;"><a style="color: #626668;" href="mailto:phishing@healthequity.com"><span style="color: #008093;"><u>phishing@healthequity.com</u></span></a>. </span><span style="font-size: 12px; line-height: 18px;">Visit <a style="color: #626668;" href="https://click.e.healthequity.com/?qs=c52210c70eac41f8ae99bb8a4b436b064e74749c21cf7da3f630e69b74a7c65e55c71a15c4d8031743bb326b41398803fd534fae4401e5591c89d0e944193b3b"><span style="color: #008093;"><u>Security</u></span></a> to find out more.</span></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">&nbsp;</span></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">Copyright &copy;2024 HealthEquity, Inc. All rights reserved.</span></p>
                              <p style="margin: 0px; text-align: left;"><span style="font-size: 12px; line-height: 18px;">15 Scenic Pointe Dr, Ste 400 Draper, UT 84020 US</span></p>
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