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First Citizens Bank and Trust and HSA Bank have entered into a joint marketing agreement solely for the purpose of providing Customers with an option to establish a Health Savings Account with HSA Bank. The services available through HSA Bank are not covered benefits under your health plan and do not affect your premiums. First Citizens Bank and Trust makes no endorsement or guarantee of the services or products offered by HSA Bank hereunder. You should consult with your financial advisor prior to purchasing any products or services from HSA Bank.

First Citizens Bank and Trust is committed to maintaining the confidentiality of your personal, financial and health information. As part of its agreement with HSA Bank, First Citizens Bank and Trust shall not disclose any of your personal information to HSA Bank unless you authorize us to do so. All representations and warranties on the HSA Bank web site, if any, regarding the services or products are solely those of HSA Bank. First Citizens Bank and Trust makes no claims, promises or recommendations regarding any of the products or services offered for sale by HSA Bank.

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