The Optum Bank FAQ app allows you to get answers to our most frequently asked questions. For example, you can ask if paying for ibuprofen is an HSA qualified medical expense. The app can also answer questions regarding tax forms, different fees, and contributions limits for HSAs, FSAs and HRAs. Feel free to ask our app for a cool random fact at any point. Once you’ve enabled the app, say “Hey Google, ask Optum Bank FAQs …” Here are some of the things you can ask our app: Qualifying Medical Expenses: • Can I use my HSA to pay for ibuprofen? • Are bandages covered? • Can my HSA cover contact lenses? • What are qualifying medical expenses under my HRA? • What are qualifying medical expenses under my FSA? HSA Questions • What are the contribution limits for an HSA? • What fees are associated with an HSA? • Tell me about IRS forms? • What can my HSA do? • How do I submit receipts for my HSA medical expenses? • Which states tax HSA contributions? • How do I add a beneficiary for my HSA account? FSA Questions • What can I use my FSA to pay for? • How will I receive the FSA reimbursement? • What do I need to make an FSA claim? • What happens to the money in the FSA if I leave my employer? • Will a dependent care FSA affect my federal income tax returns? HRA Questions • What is an HRA? • Can I use an HRA if I have health insurance? • How does an HRA work? We are always learning and building new features, but we can't do that well without your feedback. If you have comments, please share them with us at optumbank.com You can view a complete list of HSA qualified medical expenses at www.irs.gov. Search under IRS Publication 502, Medical and Dental Expenses. Please be aware that the IRS can modify the list at any time. Investments are not FDIC-insured, are not guaranteed by Optum Bank and may lose value. Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. The content of this communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. Mutual fund investment options are made available through the services of an independent investment advisor and shares are offered through Devenir, LLC, a registered broker-dealer. Orders are accepted to effect transactions in securities only as an accommodation to HSA owner. Optum Bank is not a broker-dealer or registered investment advisor, and does not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions. © 2017 Optum, Inc. All rights reserved.