ysu 2018 open enrollment presentation final ysu open enroll… · 2018 open enrollment presentation...
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20
18 O
pe
n E
nro
llme
nt
Pre
sen
tati
on
Fo
r
YS
U E
mp
loye
es*
*P
lea
se C
on
sult
yo
ur
Co
llect
ive
Ba
rga
inin
g
Ag
ree
me
nt
Agen
da
•R
evi
ew
Me
dic
al O
pti
on
s E
ffe
ctiv
e 1
/1/2
018
•R
evi
ew
Ne
w P
PO
Op
tio
n (
Se
con
d C
ho
ice)
•R
evi
ew
Qu
alif
ied
Hig
h D
ed
uct
ible
He
alt
h P
lan
(QH
DH
P) O
pti
on
•W
ha
t is
a Q
HD
HP
?
•W
ha
t is
a H
ea
lth
Sa
vin
gs
Acc
ou
nt?
•H
ow
do
es
it w
ork
?
•Y
SU
HS
A c
on
trib
uti
on
s a
nd
Em
plo
yee
Pre
miu
ms
for
QH
DH
P
•B
en
efi
t S
um
ma
ry C
om
pa
riso
n
•M
ed
ica
l Mu
tua
l Pro
gra
ms
an
d S
erv
ice
s
•P
NC
Ba
nk
–O
ur
He
alt
h S
avi
ng
s A
cco
un
t P
art
ne
r
2
You
r M
edic
al Pla
n O
pti
on
s f
or
1/1/2018
•Y
SU
is n
ow
off
eri
ng
th
ree
me
dic
al o
pti
on
s to
th
e P
rofe
ssio
na
l an
d
Ad
min
istr
ati
ve E
xclu
de
d S
taff
-A
ll o
ffe
red
th
rou
gh
Me
dic
al M
utu
al.
•P
rovi
de
s e
mp
loye
es
a c
ho
ice
of
pla
ns
tha
t b
est
me
et
you
r n
ee
ds
•H
elp
s a
ttra
ct a
nd
re
tain
to
p t
ale
nt
•P
rovi
de
s o
pp
ort
un
ity
for
low
er
pre
miu
m p
aym
en
ts
•Y
ou
ma
y c
ho
ose
to
re
ma
in e
nro
lled
in t
he
cu
rre
nt
PP
O P
lan
–N
o c
ha
ng
es
OR •Y
ou
ma
y c
ho
ose
to
en
roll
in t
he
Ne
w P
PO
Pla
n o
r th
e Q
ua
lifie
d H
DH
P
3
Ne
w P
PO
Pla
n O
ffe
rin
g E
ffe
ctiv
e 1
/1/2
018
•Wh
y o
ffe
r a
ne
w P
PO
op
tio
n?
•T
o c
on
tin
ue
to
att
ract
an
d r
eta
in t
op
ta
len
t
•It
pro
vid
es
em
plo
yee
s w
ith
op
tio
ns
in m
an
ag
ing
th
eir
ta
ke h
om
e p
ay
•P
rovi
de
s a
n o
pp
ort
un
ity
for
low
er
pre
miu
ms
(on
ave
rag
e a
bo
ut
12%
less
)
•W
ou
ld p
rovi
de
an
ind
ivid
ua
l ch
oic
e a
s to
wh
ich
pla
n b
est
me
ets
th
eir
ne
ed
s
4
5
Be
ne
fit
Pro
vis
ion
Ne
two
rkN
on
Ne
two
rkN
etw
ork
No
n N
etw
ork
De
du
ctib
le-S
ing
le$
25
0$
42
5$
50
0$
2,0
00
De
du
ctib
le-F
am
ily
$5
00
$9
50
$1
,00
0$
4,0
00
Co
ins
ura
nce
90
%7
0%
80
%5
0%
Ou
t o
f P
ock
et(
incl
ud
ing
De
d,
Exc
lud
ing
me
dic
al
an
d R
X C
op
ays
)
Sin
gle
$1
,17
5$
2,4
25
$2
,50
0$
5,0
00
Fa
mil
y$
2,2
25
$4
,95
0$
5,0
00
$1
0,0
00
Ma
xim
um
-Ou
t-O
f-P
ock
et
(MO
OP
-in
clu
de
s
all
me
dic
al
an
d R
X c
op
ays
)
Sin
gle
$6
,60
0U
nli
mit
ed
$6
,60
0U
nli
mit
ed
Fa
mil
y$
13
,20
0U
nli
mit
ed
$1
3,2
00
Un
lim
ite
d
Off
ice
Vis
it C
op
ay
$1
5 c
op
ay
De
d t
he
n C
oin
su
ran
ce$
15
De
d t
he
n C
oin
su
ran
ce
Sp
eci
ali
st
Vis
it$
15
co
pa
yD
ed
th
en
Co
ins
ura
nce
$4
0D
ed
th
en
Co
ins
ura
nce
Pre
ven
tive
Ca
re1
00
%D
ed
th
en
Co
ins
ura
nce
10
0%
De
d t
he
n C
oin
su
ran
ce
Em
erg
en
cy R
oo
m
Pre
scri
pti
on
Dru
g (
Re
tail
/M
ail
)
De
du
ctib
le-S
ing
le
De
du
ctib
le-F
am
ily
Ge
ne
ric
Pre
ferr
ed
Bra
nd
No
n-P
refe
rre
d B
ran
d
25
%(m
ax
of
$3
0)/
25
%(m
ax
of
$6
0)
De
d,
the
n 2
5%
(ma
x o
f $
40
)/ 2
5%
(ma
x o
f $
80
)
25
%(m
ax
of
$7
0)/
25
%(m
ax
of
$1
75
)D
ed
, th
en
25
%(m
ax
of
$8
0)/
25
%(m
ax
of
$2
00
)
No
t A
pp
lica
ble
No
t A
pp
lica
ble
No
t A
pp
lica
ble
No
t A
pp
lica
ble
$4
/$1
0$
10
/$2
0
Du
al
Op
tio
n P
PO
Pla
n O
ffe
rin
gs
Eff
ect
ive
1/1
/20
18
Cu
rre
nt
PP
O P
lan
Alt
ern
ati
ve
PP
O P
lan
$7
5 c
op
ay
$1
50
co
pa
y
Wh
at
is a
Qu
alified H
DH
P?
•A
QH
DH
P is
go
vern
ed
by
th
e IR
S a
nd
ne
ed
s to
me
et
cert
ain
pa
ram
ete
rs t
o
ma
ke it
“Q
ua
lifie
d”
–m
ea
nin
g e
ligib
le f
or
the
en
rolle
e t
o o
pe
n u
p a
He
alt
h
Sa
vin
gs
Acc
ou
nt
(HS
A)
•T
he
re a
re m
inim
um
de
du
ctib
le r
eq
uir
em
en
ts
•T
he
re a
re m
axi
mu
m o
ut
of
po
cke
t lim
its
•P
ha
rma
cy e
xpe
nse
s m
ust
be
su
bje
ct t
o t
he
de
du
ctib
le
6
7
Wha
t is
a Q
ualif
ied
HD
HP
?
•F
or 2
018,
the
min
imum
ded
uctib
le is
$1,
350
sing
le a
nd $
2,70
0 fa
mily
•A
ll ex
pens
es (
med
ical
/pha
rmac
y) a
re s
ubje
ct to
a c
omm
on d
educ
tible
bef
ore
the
plan
be
gins
to p
ay.
(If
the
sing
le d
educ
tible
is le
ss th
an $
2,70
0, th
e fa
mily
ded
uctib
le m
ust b
e co
llect
ive)
•P
reve
ntiv
e ca
re c
an b
e co
vere
d at
100
% p
rior
to d
educ
tible
bei
ng m
et
•F
or 2
018
the
sum
of t
he p
lan’
s an
nual
ded
uctib
le a
nd o
ther
ann
ual o
ut-o
f-po
cket
re
quire
men
ts (
othe
r th
an p
rem
ium
s) c
anno
t exc
eed
$6,6
50 s
ingl
e an
d $1
3,30
0 fa
mily
.
•O
nce/
If th
e ou
t-of
-poc
ket m
axim
um is
met
, the
pla
n pa
ys 1
00%
for
cove
red
med
ical
/pha
rmac
y ex
pens
es
Ded
uctib
lem
inim
ums
Out
-of-
pock
et m
axim
ums
100%
cov
erag
eon
ce o
ut-o
f-po
cket
met
Wh
at
is a
Healt
h S
avin
gs A
ccou
nt?
•A
he
alt
h s
avi
ng
s a
cco
un
t (H
SA
) is
a t
ax-
ad
van
tag
ed
me
dic
al s
avi
ng
s
acc
ou
nt
ava
ilab
le t
o t
axp
ay
ers
in t
he
Un
ite
d S
tate
s w
ho
are
en
rolle
d in
a
qu
alif
ied
hig
h-d
ed
uct
ible
he
alt
h p
lan
(QH
DH
P).
•B
oth
Em
plo
yer
an
d E
mp
loye
e m
ay
con
trib
ute
to
th
e a
cco
un
t
•Ta
x a
dva
nta
ge
d c
on
trib
uti
on
s
•Ta
x a
dva
nta
ge
d w
ith
dra
wa
ls f
or
qu
alif
ied
me
dic
al e
xpe
nse
s
•IR
S d
oe
s im
po
se li
mit
s o
n t
he
ma
xim
um
am
ou
nt
of
con
trib
uti
on
s p
er
yea
r
8
Wha
t is
a Q
ualif
ied
HD
HP
?
9
•A
hea
lth p
lan
that
pro
vide
s co
vera
ge fo
r qu
alifi
ed m
edic
al/p
harm
acy
expe
nses
and
allo
ws
you
the
optio
n to
sav
e H
SA
dol
lars
on
a ta
x-ad
vant
aged
bas
is.
•Yo
ur e
mpl
oyer
may
con
trib
ute
and
you
can
too.
Bec
ause
HS
As
offe
r sp
ecia
l tax
adv
anta
ges,
the
IRS
pu
ts a
nnua
l lim
its
on th
e m
axim
um a
mou
nt th
at c
an b
e co
ntrib
uted
to th
e ac
coun
t.
•T
he to
tal 2
018
annu
al c
ontr
ibut
ion
limit
for
empl
oyee
+ e
mpl
oyer
is:
–$3
,450
sin
gle
cove
rage
–$6
,900
fam
ily c
over
age
•A
ge 5
5 or
old
er:
-M
axim
um c
ontr
ibut
ion
incr
ease
s by
$1,
000
(con
side
red
a “c
atch
-up”
con
trib
utio
n)
•E
mpl
oyee
and
em
ploy
er m
oney
(if
any)
dep
osite
d in
to th
e H
SA
is g
ener
ally
not
taxa
ble
+=
Qua
lifie
d M
edic
al
Pla
n
Em
ploy
er H
SA
co
ntrib
utio
n
Your
HS
A c
ontr
ibut
ion
HS
A
tax-
adva
ntag
edpl
an
10
How
is th
is d
iffer
ent f
rom
a tr
aditi
onal
pla
n?S
ame
•W
ide
choi
ce o
f doc
tors
/hos
pita
ls•
Pre
vent
ive
care
cov
ered
at 1
00%
•
Pla
n be
gins
to p
ay a
fter
dedu
ctib
le is
met
•C
over
s ro
utin
e, e
mer
genc
y an
d ca
tast
roph
ic c
are
•P
lan
pays
per
cent
age
of b
ill f
or c
over
ed
out-
of-n
etw
ork
care
•P
lan
pays
hig
her
perc
enta
ge fo
r co
vere
d in
-net
wor
k ca
re•
Hea
lth C
arrie
r re
ceiv
es b
ills,
sen
ds p
aym
ent t
o do
ctor
s/ho
spita
ls
Diff
eren
t•
Gen
eral
ly lo
wer
pre
miu
m b
ut h
ighe
r de
duct
ible
•P
lan
begi
ns to
pay
afte
r de
duct
ible
is m
et;
how
ever
, fun
ds in
you
r H
SA
can
be
used
to c
over
elig
ible
he
alth
exp
ense
s su
ch a
s th
e de
duct
ible
•
Unu
sed
HS
A m
oney
rol
ls o
ver
to n
ext y
ear
•H
S A
dol
lars
are
100
% o
wne
d by
the
indi
vidu
al
HS
A pr
ovid
ed b
y em
ploy
er
You
r sh
are
Coi
nsur
ance
100% preventive care
Deductible
Out-of-pocket
Unu
sed
$ ro
lls o
ver
to
next
yea
r
Max
you
’ll p
ay
afte
r de
duct
ible
is
met
11
Trip
le ta
x ad
vant
ages
of a
n H
SA
•W
ithdr
awal
s to
pay
qua
lifie
d he
alth
car
e ex
pens
es a
re
tax-
free
•W
ithdr
awal
s fo
r in
elig
ible
ex
pens
es a
re ta
xed
and
you
pay
a 20
% p
enal
ty
•A
t age
65,
with
draw
fun
ds
for
any
reas
on w
ith n
o pe
nalty
(t
axes
do
appl
y)
Con
trib
utio
nsH
SA
ac
coun
t gr
owth
With
draw
als
* H
SA
con
trib
utio
ns a
nd e
arni
ngs
are
not s
ubje
ct to
fede
ral t
axes
and
not
sub
ject
to s
tate
taxe
s in
mos
t sta
tes.
A fe
w s
tats
do
not a
llow
pre
tax
trea
tmen
t of c
ontr
ibut
ions
or
ear
ning
s: A
laba
ma,
Cal
iforn
ia,
New
Ham
pshi
re, N
ew J
erse
y an
d Te
nnes
see.
•P
ayro
ll de
duct
ion
cont
ribut
ions
are
pre
tax*
•A
fter-
tax
cont
ribut
ions
can
be
ded
ucte
d w
hen
you
file
your
tax
retu
rn
•In
tere
st e
arne
d on
you
r ca
sh
acco
unt i
s ge
nera
lly n
ot
taxa
ble*
•In
vest
men
t ear
ning
s on
m
utua
l fun
ds a
re g
ener
ally
no
t tax
able
*
Wha
t are
qua
lifie
d he
alth
car
e ex
pens
es?
Exa
mpl
es o
f non
qual
ified
he
alth
car
e ex
pens
esE
xam
ples
of q
ualif
ied
heal
th c
are
expe
nses
*
Qua
lifie
d he
alth
car
e ex
pens
es a
re d
eter
min
ed b
y th
e IR
S
* T
his
is n
ot a
com
plet
e lis
t. F
or a
det
aile
d lis
t, vi
sit t
he IR
S w
ebsi
te a
t ww
w.ir
s.go
van
d se
e
Pub
licat
ions
502
and
969
for
addi
tiona
l inf
orm
atio
n.
•A
ir pu
rifie
rs
•C
osm
etic
sur
gery
and
rel
ated
exp
ense
s
•H
ealth
clu
b du
es (
unle
ss p
resc
ribed
by
phys
icia
n to
trea
t illn
ess)
•Ill
egal
ope
ratio
ns a
nd tr
eatm
ents
•M
assa
ges
for
gene
ral w
ell-b
eing
•P
rem
ium
s fo
r he
alth
car
e co
vera
ge
•Tr
ansp
orta
tion
(unl
ess
spec
ifica
lly f
or a
nd e
ssen
tial
to m
edic
al c
are)
•To
othp
aste
, cos
met
ics
and
toile
trie
s
•V
itam
ins
and
nutr
ition
al s
uppl
emen
ts
•W
eigh
t los
s pr
ogra
ms
(unl
ess
for
a sp
ecifi
c ill
ness
)
•D
educ
tible
s an
d ou
t-of
-poc
ket c
osts
for
med
ical
and
den
tal c
are
•P
resc
riptio
ns
•V
isio
n ca
re, i
nclu
ding
gla
sses
and
LA
SIK
ey
e su
rger
y
•S
mok
ing
cess
atio
n tr
eatm
ent a
nd p
resc
riptio
ns
•F
amily
pla
nnin
g pr
oced
ures
•C
hiro
prac
tic s
ervi
ces
•S
ome
insu
ranc
e pr
emiu
ms,
suc
h as
lo
ng-t
erm
car
e, C
OB
RA
and
hea
lth c
are
cove
rage
pr
emiu
ms
whi
le r
ecei
ving
une
mpl
oym
ent
com
pens
atio
n
12
You
choo
se h
ow to
use
you
r H
SA
dol
lars
13
•D
educ
tible
•C
oins
uran
ce
Em
ploy
ee
and/
orem
ploy
er
depo
sits
Use
fund
s to
pay
fo
r se
rvic
es n
ow
or
HS
AM
edic
al p
lan
Pla
n pa
ys 1
00%
afte
r ou
t-of
-poc
ket
max
imum
is r
each
ed
Pla
n pa
ys 1
00%
prev
entiv
e ca
re
•U
se fo
r fu
ture
med
ical
exp
ense
s
•Tr
ansf
er to
inve
stm
ent a
ccou
nt
•S
ave
for
supp
lem
enta
l inc
ome
in r
etire
men
t
Let f
unds
acc
umul
ate
Wh
y D
o S
om
e P
eo
ple
Ch
oo
se H
SA
s?
•C
on
tro
l. Y
ou
co
ntr
ol h
ow
yo
u s
pe
nd
th
e m
on
ey
in y
ou
r a
cco
un
t
•U
se it
fo
r q
ua
lifie
d m
ed
ica
l e
xpe
nse
s to
da
y
•S
ave
it f
or
the
fu
ture
•P
ort
ab
ilit
y (
It’s
Yo
urs
). Y
ou
ke
ep
th
e m
on
ey
in y
ou
r a
cco
un
t, e
ven
if y
ou
ch
an
ge
he
alt
h c
are
cove
rag
e, c
ha
ng
e jo
bs,
or
reti
re
•T
ax
ad
va
nta
ge
s. O
nly
HS
As
allo
w t
ax-
fre
e w
ith
dra
wa
ls a
t a
ny
tim
e o
r a
ge
to
pa
y fo
r m
ed
ica
l
exp
en
ses
•R
eti
rem
en
t S
av
ing
s. C
atc
h-u
p c
on
trib
uti
on
s o
f $
1,0
00
if a
ge
55
or
old
er
incr
ea
se s
avi
ng
po
we
r
14
15
Be
ne
fit
Pro
vis
ion
Ne
two
rkN
on
Ne
two
rk
De
du
cti
ble
-Sin
gle
$2
,70
0$
3,1
00
De
du
cti
ble
-Fa
mil
y$
5,2
00
$6
,20
0
Co
ins
ura
nce
10
0%
60
%
Ou
t o
f P
ock
et(
inclu
din
g D
ed
,
Exclu
din
g m
ed
ica
l a
nd
RX
Co
pa
ys
)
Sin
gle
$2
,70
0$
7,6
00
Fa
mil
y$
5,2
00
$1
5,2
00
Ma
xim
um
-Ou
t-O
f-P
ock
et
(MO
OP
-
inclu
de
s a
ll m
ed
ica
l a
nd
RX
co
pa
ys
)
Sin
gle
$6
,55
0U
nli
mit
ed
Fa
mil
y$
13
,10
0U
nli
mit
ed
Offi
ce
Vis
it C
op
ay
De
d t
he
n C
oin
su
ran
ce
De
d t
he
n C
oin
su
ran
ce
Sp
ecia
lis
t V
isit
De
d t
he
n C
oin
su
ran
ce
De
d t
he
n C
oin
su
ran
ce
Pre
ve
nti
ve
Ca
re1
00
%-
No
De
du
cti
ble
De
d t
he
n C
oin
su
ran
ce
Em
erg
en
cy R
oo
m
Pre
scrip
tio
n D
ru
g (
Re
ta
il/
Ma
il)
De
du
cti
ble
-Sin
gle
De
du
cti
ble
-Fa
mil
y
Ge
ne
ric
Pre
ferr
ed
Bra
nd
No
n-P
refe
rre
d B
ran
d
YSU
H.S
.A C
on
trib
utio
n
Sin
gle
Fa
mil
y
HD
HP
In N
etw
ork
De
d t
he
n C
oin
su
ran
ce
20
18
YS
U Q
HD
HP
Su
mm
ary
Co
mb
ine
d w
ith
Me
dic
al
Co
mb
ine
d w
ith
Me
dic
al
De
d,
the
n $
4/$
10
De
d,
the
n 2
5%
(ma
x o
f $
30
)/ 2
5%
(ma
x o
f $
60
)
De
d,
the
n 2
5%
(ma
x o
f $
70
)/ 2
5%
(ma
x o
f $
17
5)
$1
,00
0
$2
,00
0
YS
U H
SA
Con
trib
uti
on
s a
nd E
mplo
yee
Pre
miu
ms for
2018
YS
U H
SA
Co
ntr
ibu
tio
ns
•F
or
sin
gle
co
vera
ge
, co
ntr
ibu
tio
n w
ill b
e $
750
+ a
n a
dd
itio
na
l $25
0 f
or
20
18!
•F
or
all
oth
er
cove
rag
e le
vels
, co
ntr
ibu
tio
n w
ill b
e $
1,50
0 +
an
ad
dit
ion
al $
500
fo
r 2
018
!
•C
on
trib
uti
on
s w
ill b
e m
ad
e q
ua
rte
rly
du
rin
g t
he
fir
st m
on
th o
f e
ach
qu
art
er
(Ja
nu
ary
, Ap
ril,
July
, Oct
ob
er)
–to
act
ive
ly e
mp
loye
d p
art
icip
an
ts e
nro
lled
in t
he
HD
HP.
AN
D
Pre
miu
m C
on
trib
uti
on
s fo
r H
DH
P
•E
mp
loye
e p
rem
ium
co
ntr
ibu
tio
ns
for
the
HD
HP
will
be
25%
LE
SS
th
an
cu
rre
nt
con
trib
uti
on
s fo
r th
e P
PO
pla
n (
ap
plie
s to
all
cove
rag
e le
vels
).
16
Me
dic
al M
utu
al M
em
be
r B
en
efi
ts•
My
He
alt
h P
lan
•C
laim
s &
Ba
lan
ces
•B
en
efi
ts &
Co
ve
rag
e
•R
eso
urc
e &
To
ols
•H
ea
lth
y L
ivin
g
•A
dd
itio
na
l Off
ers
17
My
He
alt
h P
lan
Ga
in m
ore
co
ntr
ol o
f y
ou
r h
ea
lth
wit
h M
y H
ea
lth
Pla
n
•S
ecu
re w
eb
site
sp
eci
fica
lly f
or
Me
dic
al M
utu
al m
em
be
rs.
18
My
He
alt
h P
lan
•C
laim
s &
Ba
lan
ces
•V
iew
an
d s
ort
cla
ims
by
da
te o
f se
rvic
e, d
ep
en
de
nt
na
me
an
d m
ore
•S
ee
de
taile
d in
form
ati
on
ab
ou
t d
ed
uct
ible
s a
nd
co
insu
ran
ce
•L
ea
rn h
ow
to
un
de
rsta
nd
yo
ur
EO
B s
tate
me
nts
19
My
He
alt
h P
lan
•B
en
efi
ts &
Co
ve
rag
e
•V
iew
yo
ur
pla
n d
eta
ils, i
ncl
ud
ing
yo
ur
Su
mm
ary
of
Be
ne
fits
an
d C
ove
rag
e (S
BC
),
ma
xim
um
s a
nd
co
insu
ran
ce
•O
rde
r m
em
be
r id
en
tifi
cati
on
(ID
) ca
rds
20
My
He
alt
h P
lan
•R
eso
urc
e &
To
ols
•F
ind
a P
rov
ide
r -
Se
arc
h f
or
a n
etw
ork
pro
vid
er
by
na
me
, sp
eci
alt
y, g
en
de
r, la
ng
ua
ge
spo
ken
, ho
spit
al a
ffili
ati
on
or
spe
cifi
c p
ract
ice
•M
y C
are
Co
mp
are
–U
se t
his
va
lua
ble
to
ol t
o c
om
pa
re p
rovi
de
rs, f
aci
litie
s a
nd
co
sts
for
a v
ari
ety
of
me
dic
al s
erv
ice
s to
he
lp lo
we
r yo
ur
ou
t-o
f-p
ock
et
exp
en
ses
•W
he
re t
o F
ind
Ca
re –
Le
arn
wh
en
to
vis
it t
he
ER
an
d w
he
n u
rge
nt
care
an
d
con
ven
ien
ce c
linic
s a
re b
ett
er
op
tio
ns
•In
tera
ctiv
e H
ea
lth
Ed
uca
tio
n –
Fin
d m
ore
th
an
20
0 a
ud
io a
nd
vid
eo
pro
gra
ms
tha
t
pro
vid
e in
form
ati
on
ab
ou
t m
ed
ica
l co
nd
itio
ns
an
d t
rea
tme
nt
op
tio
ns
•H
ea
lth
Re
sou
rce
Ce
nte
r –
Incr
ea
se y
ou
r h
ea
lth
kn
ow
led
ge
th
rou
gh
inte
ract
ive
to
ols
an
d q
uiz
zes
21
My
He
alt
h P
lan
•H
ea
lth
y L
ivin
g
•D
ise
ase
Ma
na
ge
me
nt
Pro
gra
ms
•Ast
hm
a
•Ch
ron
ic o
bst
ruct
ive
pu
lmo
na
ry d
ise
ase
(C
OP
D)
•Co
ng
est
ive
he
art
fa
ilure
•Co
ron
ary
art
ery
dis
ea
se
•Dia
be
tes
22
My
He
alt
h P
lan
•A
dd
itio
na
l Off
ers
•W
eig
ht
Wa
tch
ers
® R
eim
bu
rse
me
nt
–R
ece
ive
up
to
$15
0 p
er
cale
nd
ar
yea
r
•T
ob
acc
o Q
uit
Lin
eP
rog
ram
–C
oa
chin
g, e
du
cati
on
an
d n
ico
tin
e r
ep
lace
me
nt
the
rap
y
•O
nli
ne
He
alt
h A
sse
ssm
en
t –
He
lps
you
ide
nti
fy y
ou
r ri
sk o
f ch
ron
ic c
on
dit
ion
s
•D
isco
un
ts –
Ava
ilab
le o
n d
rug
sto
re it
em
s a
nd
oth
er
he
alt
h-r
ela
ted
pro
du
cts
•2
4-H
ou
r N
urs
e L
ine
–G
et
an
swe
rs t
o a
nsw
er
you
r h
ea
lth
qu
est
ion
s fr
om
a c
linic
al
exp
ert
23
Pre
sente
d t
o:
PN
C B
en
eFit
Plu
s
Healt
h S
avin
gs A
cco
un
t (H
SA
)
En
ro
llm
en
t P
resen
tati
on
Yo
un
gsto
wn
Sta
te U
niv
ersit
yrs
ity
Sta
te U
niv
ers
ity
An
HS
A is a
perso
nall
y o
wn
ed
acco
un
t d
esig
ned
to
h
elp
yo
u s
ave m
on
ey o
n q
uali
fied
med
ical exp
en
ses
�Contr
ibutions a
re t
ax-d
ed
ucti
ble
�In
tere
st
earn
ing a
nd/o
r in
vestm
ent
gain
s a
re t
ax e
xem
pt
�D
istr
ibutions a
re t
ax-f
ree
when u
sed t
o p
ay for
qualified m
edic
al expenses
Wh
at
is a
Healt
h S
avin
gs A
cco
un
t?
�P
orta
ble
–Sta
ys w
ith y
ou w
hen y
ou leave a
n e
mplo
yer
or
retire
�N
o “
use-i
t-o
r-l
ose-i
t” r
equirem
ent;
bala
nces r
oll o
ver
year-
to-y
ear
like a
401(k
) and c
an b
e s
aved t
o
pay f
or
futu
re e
xpenses
25
HSAs h
ave b
een a
round s
ince 2
004.
The n
um
ber
of
HSAs h
as n
earl
y d
ouble
d o
ver
the p
ast
five y
ears
.1
An e
stim
ate
d 5
0 m
illion A
meri
cans w
ill have a
n H
SA b
y
2020.
2
Did
Yo
u K
no
w?
Gro
wth
of H
SA
-Qua
lifie
d H
DH
P E
nrol
lmen
tC
over
ed L
ives
(M
illio
ns),
Mar
ch 2
005
to J
anua
ry 2
015*
1A
HIP
Cen
ter
for
Pol
icy
and
Res
earc
h, 2
005-
2015
HS
A/H
DH
P C
ensu
s R
epor
ts.
2 In
terp
ro P
ublic
atio
ns I
nc.,
a s
peci
aliz
ed n
ewsl
ette
r pu
blis
her
in W
ashi
ngto
n D
.C. m
akin
g es
timat
es o
f H
SA
Mar
kets
sin
ce 2
001.
26
Any indiv
idual can o
pen a
nd m
ake c
ontr
ibutions t
o a
n H
SA,
if t
hey m
eet
all o
f th
e f
ollow
ing r
equirem
ents
:•
Covere
d b
y a
Hig
h-D
eductible
Health P
lan (
HD
HP)
•N
ot
covere
d b
y o
ther
health insura
nce
•N
ot
enro
lled in M
edic
are
•N
ot
cla
imed a
s a
dependent
on s
om
eone e
lse’s
tax r
etu
rn
Wh
o I
s E
lig
ible
fo
r a
n H
SA
?
No
te:
Be s
ure
to r
evie
w a
pplicable
IRS e
ligib
ility r
equirem
ents
befo
re e
nro
llin
g
20
18
IR
S L
imit
sS
ing
le C
overag
eFam
ily C
overag
e
Maxim
um
Co
ntr
ibu
tio
n L
imit
$3,4
50
$6,9
00
Catc
h-u
p C
on
trib
uti
on
(5
5+
)$1,0
00
$1,0
00
27
28
Olivia
is s
ingle
and c
ontr
ibute
s $
2,6
00
to h
er
HSA t
his
year. S
he s
aves:
Federa
l Tax @
25%
Sta
te T
ax @
5%
FIC
A T
ax @
7.6
5%
Tota
l Tax S
avin
gs
Tax S
avin
gs E
xam
ple
$650
$130
$199
$979
Co
mm
on
HS
A M
yth
s
#3
HS
A M
yth
: Th
ey’r
e o
nly
for
the y
ou
ng a
nd h
ealt
hy
Fals
e:
HSA e
nro
llm
ent
is n
early e
qual acro
ss a
ge g
roups.
52%
of all H
SA/H
DH
P
enro
llees in t
he indiv
idual m
ark
et
(inclu
din
g d
ependents
covere
d u
nder
fam
ily p
lans)
were
age 4
0 o
r over;
48 p
erc
ent
were
under
age 4
01.
#2
HS
A M
yth
: I c
an
on
ly u
se t
he H
SA
on
myself
if
I h
ave in
div
idu
al
HD
HP
covera
ge
Fals
e:
You c
an u
se y
our
HSA t
o c
over
out-
of-
expenses for
spouse a
nd
dependents
, as long a
s t
hey’re c
laim
ed o
n y
our
taxes.
1.
Sourc
e:
AH
IP 2
016 H
SA/H
DH
P C
ensus
29
Co
mm
on
HS
A M
yth
s
#1
HS
A M
yth
: I d
on
’t l
ike t
he H
SA
becau
se I
am
afr
aid
th
at
if I
don
’t s
pen
d
it I
will lo
se it
at
year
en
d.
Fals
e:
HSAs,
by d
esig
n,
are
inte
nded (
and e
ncoura
ged)
to r
ollover
year-
to-y
ear.
Unlike t
he F
SA,
there
is n
o “
Use it
or
Lose it”
pro
vis
ion.
For
exam
ple
, if y
ou s
ave $
3,0
00 for
10 c
onsecutive y
ears
sta
rtin
g w
ith a
ge 3
0,
you’ll have $
175,0
00 b
y a
ge 6
5,
assum
ing y
ou invest
and e
arn
6%
annually
1.
There
is n
o t
ime lim
it in w
hic
h y
ou n
eed t
o r
eim
burs
e y
ours
elf f
or
any q
ualified
medic
al expenses y
ou p
aid
out-
of-
pocket.
1.
Sourc
e:
AH
IP 2
016 H
SA/H
DH
P C
ensus
30
PN
C B
en
eFit
Plu
s:
Co
mp
lete
Acco
un
t M
an
ag
em
en
t
In
tuit
ive
self
-servic
e a
cco
un
t m
an
ag
em
en
t all
ow
s
yo
u t
o:
•M
anage p
rofile
, beneficia
ry a
nd d
ependent
info
rmation
•Vie
w t
ransaction a
ctivity
•In
itia
te B
ill Pay t
o a
pro
vid
er
or
direct
reim
burs
em
ents
to
a p
ers
onal bank a
ccount
•M
anage H
SA investm
ents
•Revie
w im
port
ant
account
info
rmation
•Tra
ck e
xpenses p
aid
fro
m y
our
account(
s)
or
out-
of-
HS
A R
eso
urces f
or E
veryo
ne
SP
EN
DE
RS
SA
VE
RS
Ch
aracte
ris
tics:
•Fam
ily w
ith a
ctive k
ids
•H
igh h
ealthcare
user
Acti
vit
y a
nd
To
ols
:
•D
ebit C
ard
s f
or
Dependents
•Lin
ks b
ank a
ccounts
for
direct
reim
burs
em
ent
•In
tere
st
bearing c
ash a
ccount
•O
nline B
ill Pay
•H
ealthcare
Mobile a
pp
•Expense T
racker
for
annual financia
l pla
nnin
g
Ch
ara
cte
risti
cs:
•Fin
ancia
lly s
avvy
•Focused o
n f
utu
re
Acti
vit
y a
nd
Tools
:
•In
tere
st
bearing c
ash a
ccount
•H
SA I
nvestm
ent
Account
•Enable
s I
nvestm
ent
Sw
eep
•O
n-lin
e A
ccount
Sum
mary
with I
nvestm
ent
Deta
ils
•eContr
ibute
fro
m b
ank a
ccount
•Expense T
racker
for
record
ing o
ut-
of-
expenses
Ste
veN
ico
le
IRS P
ublication 5
02* c
onta
ins a
lis
t of all a
ppro
ved q
ualified m
edic
al
expenses,
inclu
din
g b
ut
not
lim
ited t
o:
*IR
S P
ublication 5
02 c
an b
e f
ound o
nline u
nder
Usefu
l Lin
ks &
Resourc
es.
Wh
at
Are Q
uali
fied
Med
ical E
xp
en
ses?
DO
CTO
R/
HO
SP
ITA
L S
ER
VIC
ES
Docto
r’s o
ffic
e v
isits,
hospital vis
its,
am
bula
nce s
erv
ices,
flu s
hot/
imm
uniz
ation,
physic
al th
era
py,
and e
ye s
urg
ery
PH
AR
MA
CY
Pre
scriptions,
som
e p
rescribed o
ver-
the-c
ounte
r item
s
SE
RV
IC
ES
/TR
EA
TM
EN
TS
Dru
g/a
lcohol tr
eatm
ent,
nurs
ing h
om
e/s
erv
ices,
dia
gnostic s
erv
ices,
sm
okin
g c
essation p
rogra
ms,
psychia
tric
care
, acupunctu
re,
fert
ility t
reatm
ent,
chiropra
ctic t
reatm
ent,
and d
enta
l tr
eatm
ent
ME
DIC
AL P
RO
DU
CTS
Wheelc
hair/c
rutc
hes,
hearing a
ids,
eyegla
sses,
and c
onta
ct
lenses
33
�E
asy -
Sim
ply
sw
ipe y
our
card
at
poin
t of
serv
ice
�A
uto
mati
c-
Funds a
re im
media
tely
deducte
d f
rom
your
account
�C
on
ven
ien
t -
No n
eed t
o f
ile m
anual cla
im o
r pay u
p fro
nt
and w
ait
for
reim
burs
em
ent
�S
imp
le-
Your
bala
nce is a
vailable
24/7
on o
ur
website,
IVR o
r PN
C
BeneFit P
lus M
obile A
pp
Usin
g Y
ou
r H
SA
Fu
nd
s
Oth
er D
istr
ibu
tio
n O
pti
on
s
�D
irect
Dep
osit
Reim
bu
rsem
en
t: initia
te a
n o
nline r
eim
burs
em
ent
to a
pers
onal bank a
ccount
�B
ill
Pay:
Online “
pay t
he p
rovid
er”
option
�M
ob
ile:
initia
te a
reim
burs
em
ent
to a
pers
onal bank a
ccount
Qu
ick T
ip!
•Request
additio
nal debit c
ard
(s)
online for
your
spouse o
r qualified d
ependents
(no a
dditio
nal charg
e!)
•C
ard
cannot
be u
sed a
t ATM
s
34
Acco
un
t E
ng
ag
em
en
t: M
ob
ile &
Exp
en
se T
racker
Th
e P
NC
Ben
eFit
Plu
s M
ob
ile A
pp
licati
on
•Add n
ew
expenses
•U
se t
he d
evic
e c
am
era
to c
aptu
re im
ages o
f re
ceip
ts a
nd
support
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ocum
ent
•U
plo
ad im
ages t
o t
he s
ecure
, online v
ault
•Pro
cess H
SA c
ontr
ibutions a
nd d
istr
ibutions
•Report
lost
or
sto
len d
ebit c
ard
s
In
teg
rate
d w
ith
th
e P
NC
Ben
eFit
Plu
s E
xp
en
se T
racker:
•Ente
r expenses o
nline,
track a
nd c
ate
gorize
•Secure
ly u
plo
ad r
eceip
ts o
r support
ing d
ocum
enta
tion
•C
onsolidate
& m
anage y
our
healthcare
bills
•Budget
for
annual healthcare
expenses
36
CO
NFID
EN
TIA
L
HS
A I
nvestm
en
ts:
Ach
ieve y
ou
r g
oals
Th
ink
of
yo
ur
HS
A a
s a
40
1(k
) fo
r h
ea
lth
care
Re
min
de
r: I
nte
rest
an
d/o
r in
vest
me
nt
gro
wth
are
ta
x fr
ee
if u
sed
to
pay
fo
r q
ua
lifie
d m
ed
ica
l
exp
en
ses
•E
sta
blis
h y
ou
r in
vest
me
nt
acc
ou
nt
an
ytim
e
•B
eg
in i
nve
stin
g o
nce
yo
ur
acc
ou
nt
rea
che
s $
2,0
00
•B
roa
d p
ort
folio
of
hig
hly
-ra
ted
in
vest
me
nt
op
tio
ns
fro
m
resp
ect
ed
fu
nd
fa
mili
es
Pla
n f
or
yo
ur
futu
re n
ee
ds
an
d a
ct n
ow
•C
oo
rdin
ate
yo
ur
reti
rem
en
t p
lan
nin
g s
tra
teg
y a
nd
allo
cati
on
be
twe
en
40
1(k
) a
nd
HSA
con
trib
uti
on
s
•C
on
sid
er
you
r h
ea
lth
care
$$
$ n
ee
ds
in y
ou
r fu
ture
an
d d
uri
ng
re
tire
me
nt
Did
yo
u k
no
w?
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SA “
inve
sto
rs”
rea
lize
a h
igh
er
rate
of
retu
rn o
ver
tim
e t
ha
n H
SA “
save
rs”
rely
ing
on
in
tere
st
ea
rnin
gs
36
•H
SA M
utu
al
Fun
d I
nve
stm
en
ts a
re o
pti
on
al
•P
NC
em
plo
yee
s ca
nn
ot
pro
vid
e H
SA in
vest
me
nt
reco
mm
en
da
tio
ns
an
d/o
r
ad
vice
.
Alw
ays s
ave y
ou
r r
eceip
ts
�N
o t
hird-p
art
y s
ubsta
ntiation o
f how
your
money is s
pent
�IR
S m
ay n
eed r
eceip
ts if
you a
re p
art
of
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genera
l IR
S a
udit
Tax R
ep
orti
ng
�PN
C w
ill send y
ou I
RS F
orm
1099-S
A o
nly
if
you d
istr
ibute
d f
unds
out
of
your
HSA in t
he
prior
year
�PN
C w
ill pro
vid
e I
RS F
orm
5498-S
A o
nline t
o d
ow
nlo
ad if
you c
ontr
ibute
d f
unds
to y
our
HSA
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ple
te f
orm
8889 a
nnually w
hen y
ou d
o y
our
taxes
Yo
u a
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ole
ly r
esp
on
sib
le f
or h
ow
yo
u s
pen
d y
ou
r H
SA
do
llars
Yo
ur R
esp
on
sib
ilit
ies
37
Ste
p 1
: E
nro
ll i
n t
he H
DH
P P
lan
an
d e
lect
to e
sta
bli
sh
an
HS
A
�Em
plo
yer
pro
cesses e
nro
llm
ent
file
�Em
plo
yee r
eceiv
es “
welc
om
e”
em
ail n
otification
�D
ebit c
ard
auto
matically o
rdere
d a
nd m
ailed
Ste
p 2
: E
mp
loyee g
oes o
nli
ne a
nd
co
mp
lete
s t
he o
nli
ne a
cco
un
t acti
vati
on
pro
cess
Click o
n “
Cre
ate
your
new
usern
am
e a
nd p
assw
ord
”
�Follow
the p
rom
pts
�Accept
HSA t
erm
s a
nd c
onditio
ns
�Set
up b
eneficia
ries a
nd d
ependents
�Add a
pers
onal bank a
ccount
for
quic
k r
eim
burs
em
ent
�D
ow
nlo
ad P
NC B
eneFit P
lus m
obile a
pp (
optional)
�Begin
managin
g y
our
HSA!
HS
A E
nro
llm
en
t E
xp
erie
nce:
Wh
at
Yo
u N
eed
To
Do
38
39
We’r
e h
ere t
o h
elp
!
PN
C C
onsum
er
Serv
ices a
t (8
44)
356-9
993 o
r PN
CBeneFitPlu
s@
HealthAccountS
erv
ices.c
om
Wh
o T
o C
all
ab
ou
t Y
ou
r H
SA
40
Qu
esti
on
s a
nd
Dis
cu
ssio
n
Sta
ndar
d D
iscl
osur
e
41
PN
C,
PN
C B
ank,
AC
HIE
VEM
EN
T,
PIN
AC
LE,
Work
ing C
ash, ActivePay,
Glo
bal Tra
de E
xcellence,
Veste
d I
nte
rest,
Mid
land L
oan S
erv
ices,
Ente
rprise!,
CM
BS I
nvesto
r In
sig
ht,
Port
folio I
nvesto
r In
sig
ht,
Borr
ow
er
Insig
ht,
Share
d S
erv
icin
g,
PN
C R
ivera
rch C
apital, a
nd P
NC
Erievie
w C
apital
are
regis
tere
d m
ark
s o
f The P
NC
Fin
ancia
l Serv
ices G
roup,
Inc.
(“PN
C”)
.PN
C R
etire
ment
Solu
tions is a
serv
ice m
ark
of
PN
C.
Bank d
eposit,
treasury
managem
ent
and lendin
g p
roducts
and s
erv
ices,
and investm
ent
and w
ealth m
anagem
ent
and f
iducia
ry s
erv
ices,
are
pro
vid
ed b
y P
NC
Bank,
National
Associa
tion (
“PN
C B
ank”)
, a w
holly-o
wned s
ubsid
iary
of
PN
C a
nd M
em
ber F
DIC
.C
ert
ain
fiducia
ry a
nd a
gency s
erv
ices a
re p
rovid
ed b
y P
NC
Dela
ware
Tru
st
Com
pany.
Fore
ign e
xchange a
nd d
erivative pro
ducts
(in
clu
din
gcom
modity d
erivatives)
are
obligations o
f PN
C B
ank.
Equip
ment
financin
g a
nd leasin
g p
roducts
are
pro
vid
ed b
y P
NC
Equip
ment
Fin
ance,
LLC
, a w
holly-o
wned s
ubsid
iary
of PN
C B
ank.
Energ
y f
inancin
g is p
rovid
ed b
y P
NC
Energ
y C
apital
LLC
, a w
holly-o
wned s
ubsid
iary
of
PN
C E
quip
ment
Fin
ance,
LLC
. Aircra
ft f
inancin
g i
s p
rovid
ed b
y P
NC
Avia
tion F
inance,
a d
ivis
ion o
f PN
C E
quip
ment
Fin
ance,
LLC
. Asset–
based lendin
g is p
rovid
ed b
y P
NC
Busin
ess C
redit,
a d
ivis
ion o
f PN
C B
ank a
nd P
NC
Fin
ancia
l Serv
ices U
K L
td.
(an indirect
wholly-o
wned s
ubsid
iary
of PN
C B
ank)
in t
he U
nited K
ingdom
. Specia
lty f
inance p
roducts
are
pro
vid
ed b
y S
teel C
ity C
apital
Fundin
g,
a d
ivis
ion o
f PN
C B
ank.
Merc
hant
serv
ices a
re p
rovid
ed b
y P
NC
Merc
hant
Serv
ices C
om
pany.
Direct
equity investing a
nd m
ezzanin
e f
inancin
g a
re c
onducte
d b
y P
NC
Capital
Fin
ance,
LLC
thro
ugh its
PN
C R
ivera
rch C
apital, P
NC
Mezzanin
e C
apital
and P
NC
Erievie
w
Capital
div
isio
ns.
Investm
ent
bankin
g a
nd c
apital
mark
ets
activitie
s a
re c
onducte
d b
y P
NC
thro
ugh its
subsid
iaries P
NC
Bank,
PN
CC
apital
Mark
ets
LLC
, H
arr
is W
illiam
s L
LC
, H
arr
is W
illiam
s &
Co L
td.
and S
ole
bury
Capital
LLC
.Serv
ices s
uch a
s p
ublic f
inance
investm
ent
bankin
g s
erv
ices,
securities u
nderw
riting,
and s
ecurities s
ale
s a
nd t
radin
g a
re p
rovid
ed b
y P
NC
Capital
Mark
ets
LLC
.M
erg
er
and a
cquis
itio
n a
dvis
ory
and r
ela
ted s
erv
ices a
re p
rovid
ed b
y H
arr
is W
illiam
s L
LC
and H
arr
is W
illiam
s &
Co. Ltd
. Equity c
apital
mark
ets
advis
ory
and r
ela
ted s
erv
ices a
re p
rovid
ed b
y S
ole
bury
Capital
LLC
. PN
C C
apital
Mark
ets
LLC
,H
arr
is W
illiam
s L
LC
and S
ole
bury
Capital
LLC
are
regis
tere
d b
roker-
deale
rs a
nd m
em
bers
of FIN
RA
and S
IPC
, and H
arr
is W
illiam
s &
Co.
Ltd
is a
uth
orized a
nd
regula
ted b
y F
inancia
l Serv
ices A
uth
ority
(FR
N N
o. 540892).
Harr
is W
illiam
s &
Co is t
he t
rade n
am
e u
nder
whic
h H
arr
is W
illiam
s L
LC
and H
arr
is W
illiam
s &
Co.
Ltd
. conduct
busin
ess. R
eta
il b
rokera
ge s
erv
ices a
nd m
anaged a
ccount
advis
ory
serv
ices a
re o
ffere
d b
y
PN
C I
nvestm
ents
LLC
, a r
egis
tere
d b
roker-
deale
r and a
regis
tere
d i
nvestm
ent
advis
er
and m
em
ber
of FIN
RA
and S
IPC
. Annuitie
s a
nd o
ther
insura
nce p
roducts
are
offere
d t
hro
ugh P
NC
Insura
nce S
erv
ices,
LLC
. PN
C B
ank is n
ot
regis
tere
d a
s a
munic
ipal
advis
or
under
the D
odd-F
rank W
all S
treet
Refo
rm a
nd C
onsum
er
Pro
tection A
ct
(“Act”
). I
nvestm
ent
managem
ent
and r
ela
ted p
roducts
and s
erv
ices p
rovid
ed t
o a
“m
unic
ipal
entity
” or
“obligate
d p
ers
on”
regard
ing “
pro
ceeds o
f m
unic
ipal securities”
(as s
uch t
erm
s a
re d
efined
inth
e
Act)
will be p
rovid
ed b
y P
NC
Capital
Advis
ors
, LLC
, a w
holly-o
wned s
ubsid
iary
of
PN
C B
ank.
PN
C B
ank a
nd c
ert
ain
of
its a
ffilia
tes in
clu
din
g P
NC
TC
, LLC
, an S
EC
regis
tere
d i
nvestm
ent
advis
or
wholly-o
wned b
y P
NC
Bank,
do b
usin
ess a
s P
NC
Real Esta
te.
PN
C R
eal
Esta
te p
rovid
es c
om
merc
ial re
al esta
te f
inancin
g a
nd r
ela
ted s
erv
ices.
Thro
ugh its
Tax C
redit C
apital segm
ent,
PN
C R
eal Esta
te p
rovid
es lendin
g s
erv
ices,
equity investm
ents
and e
quity investm
ent
serv
ices r
ela
ting to
low
incom
e h
ousin
g t
ax c
redit (
“LIH
TC
”) a
nd
pre
serv
ation i
nvestm
ents
. PN
C T
C,
LLC
pro
vid
es investm
ent
advis
ory
serv
ices t
o f
unds s
ponsore
d b
y P
NC
Real Esta
te f
or
LIH
TC
and p
reserv
ation i
nvestm
ents
. R
egis
tration w
ith t
he S
EC
does n
ot
imply
a c
ert
ain
level of
skill or
train
ing.
This
mate
rial
does n
ot
constitu
te a
n o
ffer
to s
ell o
r a s
olicitation o
f an o
ffer
to b
uy a
ny investm
ent
pro
duct.
Ris
ks o
f each f
und a
re d
escribed in t
he
funds’ private
pla
cem
ent
mem
ora
ndum
or
oth
er
offering d
ocum
ents
.
Im
porta
nt In
vesto
r I
nfo
rm
ati
on: S
ecu
rit
ies, in
su
ran
ce, fo
reig
n e
xch
an
ge, an
d d
eriv
ati
ve p
rod
ucts
are:
Not
FD
IC
In
su
red
• N
ot
Ban
k G
uaran
teed •
Not
A D
ep
osit
• N
ot
In
su
red
By A
ny F
ed
eral G
overn
men
t A
gen
cy •
May L
ose V
alu
e
In C
anada,
PN
C B
ank C
anada B
ranch,
the C
anadia
n b
ranch o
f PN
C B
ank,
pro
vid
es b
ank d
eposit,
treasury
managem
ent,
lendin
g (
inclu
din
g a
sset-
based lendin
g t
hro
ugh its
Busin
ess C
redit d
ivis
ion)
and leasin
g a
nd lendin
g p
roducts
and s
erv
ices (
thro
ugh its
Equip
ment
Fin
ance d
ivis
ion).
Deposits w
ith P
NC
Bank C
anada B
ranch a
re n
ot
insure
d b
y t
he C
anada D
eposit I
nsura
nce C
orp
ora
tion.
Deposits w
ith P
NC
Bank C
anada B
ranch a
re n
ot
insure
d b
y t
he F
edera
l D
eposit I
nsura
nce C
orp
ora
tion,
nor
are
they g
uara
nte
ed b
y t
he U
nited
Sta
tes G
overn
ment
or
any a
gency t
here
of.
In t
he e
vent
of
the f
ailure
of
PN
C B
ank,
deposits w
ith P
NC
Bank C
anada B
ranch w
ould
be t
reate
d a
s u
nsecure
d g
enera
l liabilitie
s,
and c
reditors
would
be c
onsid
ere
d g
enera
l cre
ditors
of
PN
C B
ank.
Lendin
g a
nd leasin
g p
roducts
and s
erv
ices,
as w
ell a
s c
ert
ain
oth
er
bankin
g p
roducts
and s
erv
ices,
require c
redit a
ppro
val.
PN
C d
oes n
ot
pro
vid
e legal, t
ax o
r accounting a
dvic
e u
nle
ss,
with r
espect
to t
ax a
dvic
e,
PN
C B
ank h
as e
nte
red into
a w
ritt
en t
ax
serv
ices a
gre
em
ent.
PN
C d
oes n
ot
pro
vid
e investm
ent
advic
e t
o P
NC
Retire
ment
Solu
tions a
nd V
este
d I
nte
rest
pla
n s
ponsors
or
part
icip
ants
.
©2017 T
he P
NC
Fin
ancia
l Serv
ices G
roup,
Inc.
All r
ights
reserv
ed.