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Pay for Qualified Medical Expenses Tax-Free!* Your UMB Health Savings Account (HSA) is a versatile tool that allows you to decide whether to spend your money to pay for current qualified medical expenses or save your money and allow your HSA to grow for future qualified medical expenses and even retirement! UMB offers three convenient ways for you to spend the money in your HSA: 1. UMB HSA Visa® debit card For expenses such as prescriptions and over-the-counter items, you no longer have to use cash,checks or credit cards, or wait to be reimbursed for out-of-pocket expenses. Instead, you simply pull out your UMB HSA Visa debit card or access your card using digital wallet (includes: Apple Pay, Samsung Pay, Garmin Pay and FitBit Pay) pay—and go. Your total purchase on the card is deducted from your HSA. 2. HSA Online Bill Pay For other types of expenses such as doctor’s visits or hospitalization, you may need to pay your portion of the medical bill after you receive your Explanation of Benefits from your insurance provider. In these instances, you may pay with your UMB HSA Visa® debit card OR HSA Bill Pay. With Bill Pay, UMB will send a check directly to your provider from your HSA. 3. HSA Online Reimbursement When you must use cash or another form of payment such as a personal credit card to pay for qualified expenses, you can easily reimburse yourself by using UMB’s online banking feature, “Request a Reimbursement”. Based on your direction, UMB will transfer funds from your HSA to your checking/savings account. Qualified medical expenses are defined by IRS Code, Section 213(d) and include amounts paid for the diagnosis, cure, mitigation, treatment, or prevention of disease for the purpose of affecting any structure or function of the body.

Qualified Medical Expenses** • Acupuncture

• Dentures

• Optometrist

• Alcoholism treatment

• Diagnostic devices (ex. blood sugar test kit)

• Orthodontia (braces)

• Ambulance service

• Doctor’s visits

• Over-the-Counter Medicines and Supplies

• Drug Addiction treatment

• Oxygen and equipment

• Eye Exam • Eyeglasses

• Personal Protective Equipment (masks, hand sanitizer)

• Eye surgery (including laser vision correction surgery)

• Pregnancy Test Kit • Pre-natal vitamins

• Fertility procedures

• Prescription medication

• Guide dog or other service animal

• Psychiatric care

• Capital expenses for special equipment installed in home for main purpose of medical care (ex: support bars, exit ramps, lowering of cabinets)

• Health plan premiums during a period in which you are receiving government unemployment compensation

• Psychologist Special home for intellectually and developmentally disabled

• Hospital Services

• Special Education

• Car special equipment for disabilities

• Insulin and Supplies

• Stop-Smoking programs

• Chiropractor

• Laboratory Fees

• Christian Science Practitioner

• Long Term Care insurance premiums

• Telephone and Television for hearing impaired

• COBRA premiums

• Medicare Part A, B, C, or D

• Therapy

• Contact lenses and supplies

• Menstrual products (pads and tampons)

• Transplant (ex: heart, kidney) • Transportation for medical care

• Crutches

• Nursing home (non-custodial)

• Vasectomy and sterilization

• Dental treatments (ex. cleanings, fluoride treatments, x-rays, fillings, extractions)

• Nursing services

• Wheelchair

• Operations

• X-rays

• Annual physical examination • Artificial Limb • Artificial Teeth • Bandages • Body Scan • Braille books and magazines (partial cost) • Breast Reconstruction Surgery following a mastectomy

• COVID-19 Testing and Treatment

Non-Qualified Medical Expenses** Expenses for items that are merely beneficial to the general health of an individual are not considered qualified expenses. If you use your HSA to pay for expenses that are not qualified you will have to pay income tax and a 20 percent penalty on the non-qualified purchase amount. Below are some examples of non-qualified expenses: • Childcare for normal, healthy baby

• Household help

• Controlled substances that violate federal law

• Late Charges

• Cosmetic dentistry

• Maternity clothes

• Cosmetic surgery

• Nutritional supplements and vitamins

• Dancing lessons

• Swimming lessons

• Electrolysis

• Teeth Whitening

• Funeral expenses

• Vacation

• Hair transplant

• Veterinary Fees

• Health club dues

Documentation of Qualified Medical Expenses The IRS requires that you keep itemized receipts to document your qualified withdrawals. Those receipts must include the date of service and the type of expense. Use UMB’s ReceiptVault to store and organize receipts online for qualified healthcare expenses. Bankcard statements and estimates of expenses are not permitted. Whose expenses are qualified? Your qualified tax-free HSA* withdrawals may be for expenses incurred by you, your spouse or your eligible dependents (Section 152 of the federal tax code), regardless of whether or not they are covered under your health plan. When are expenses qualified? Your expenses are qualified when they are incurred after your HSA is established. Then, even if you lose eligibility to make contributions to your HSA, you may still spend the money you have accrued in your HSA to pay for qualified medical expenses, tax-free.* Questions? Contact your helpful UMB Healthcare Services customer support agent at 866.520.4HSA (4472), or visit us at HSA.UMB.com.

INVESTMENTS IN SECURITIES THROUGH UMB HSA SAVER ARE: NOT FDIC-INSURED | MAY LOSE VALUE | NO BANK GUARANTEE NOTE: HSA funds used to pay for non-qualified medical expenses are subject to income taxes on the amount and a possible additional 20% penalty, if you’re under age 65. * This document is not intended to provide legal or tax advice. Neither UMB Bank n.a., nor its parent, subsidiaries, or affiliates are engaged in rendering tax or legal advice. Consult your tax adviser, or visit irs.gov, for information. All mention of taxes is made in reference to federal tax law. State taxes may vary. ** The list provides examples of eligible and ineligible medical expenses. This list is not all-inclusive. The IRS may modify its list of eligible expenses from time to time. For additional details, contact your tax professional or see IRS tax publication 502: Medical and Dental Expenses on the web at www.irs.gov/publications.