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Terms of Use

HealthSavings Administrators (“HealthSavings“) is pleased to provide you with the products, services, content, tools and information on HealthSavings’ site (the term “HealthSavings’ site” refers to all HealthSavings websites as well as to the content on them). Your use of HealthSavings’ site is subject to the following Terms of Use (“Terms”).

These Terms are a binding contract between you and HealthSavings. By using or accessing the HealthSavings site you agree to be governed by the version of the Terms in effect on the date each HealthSavings site is accessed by you. HealthSavings may modify these Terms at any time and without prior notice. These Terms are in addition to any other agreements between you and HealthSavings, including any customer or account agreements, and any other agreements that govern your use of products, services, content, tools and information available on the HealthSavings site.

NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE

Generally, the HealthSavings site is not intended to provide tax, legal, insurance or investment advice, and nothing on the HealthSavings site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by HealthSavings or any third party. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.

PASSWORD SECURITY & NOTIFICATION

If you have a personal identification number (PIN) for access to non-public areas of the HealthSavings site, you are solely responsible for all activities that occur in connection with your PIN. Accordingly, you should take steps to protect the confidentiality of your PIN. Notify HealthSavings immediately if you become aware of any disclosure, loss, theft or unauthorized use of your PIN.

INDEMNIFICATION

As a condition of your use of the HealthSavings site, you agree to indemnify and hold HealthSavings and its third party providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from your use of the HealthSavings site, or from your violation of these Terms. This provision may not apply to participants in certain employer-sponsored workplace savings plans.

CHANGES TO HEALTHSAVINGS’ SITE

Unless otherwise agreed, HealthSavings may discontinue or modify the HealthSavings site at any time without prior notice to you, and you accept those modifications if you continue to use the HealthSavings site.

TERMINATION

HealthSavings may terminate your access to the HealthSavings site for any reason, without prior notice.

GOVERNING LAW

Unless otherwise agreed, these Terms and their enforcement are governed by the laws of the Commonwealth of Virginia, without regard to conflicts of law, and shall inure to the benefit of HealthSavings’ successors and assigns, whether by merger, consolidation or otherwise.

SEVERABILITY

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Please carefully consider the funds’ investment objectives, risks, charges and expenses before investing. For this and other information, read the prospectuses carefully before you invest or send money.