Invest in the triple tax advantage* of an HSA

HSA-eligible health planhealth savings account (HSA)2018*

Build an emergency fund

Pay off debt

Increase your 401(k) contribution

*Allmention of taxes is made in reference to federal tax law. Statescan choose to follow the federal tax-treatment guidelines for HSAsor establish their own; some states tax HSA contributions. Pleasecheck with each state's tax laws to determine the tax treatment ofHSA contributions, or consult your tax adviser. Neither UMB Bankn.a., nor its parent, subsidiaries, or affiliates are engaged inrendering tax or legal advice and this document is not intended astax or legal advice.This material is provided foreducational purposes only and all opinions represent UMB HealthcareServices' judgment as of the date this material is published andare subject to change at any time without notice. You shouldnot use this material as a substitute for your own judgment, andyou might want to consult with professional advisors before makingany tax, legal, financial planning or investment decisions. This material contains no investmentrecommendations.

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