HEALTH SAVINGS ACCOUNT
A Health Savings Account is a tax-exempt trust or custodial account established for the purpose of paying medical expenses in conjunction with a high-deductible health care plan.

You are eligible for a regular HSA contribution if, with respect to any month, you:

• Are covered under a high-deductible health plan (HDHP) on the first day of such month;
• Are not also covered by any other health plan that is not an HDHP (with certain exceptions for plans providing preventive care and limited type of permitted insurance and permitted coverage);
• Are not enrolled in Medicare; and
• Cannot be claimed as a dependent on another individual's tax return.

If you are eligible, you can establish an HSA in much the same way you would establish an IRA - with a qualified trustee or custodian. Each year, you are responsible for determining your allowable annual HSA contribution and whether you have qualified medical expenses eligible for reimbursement with nontaxable HSA distributions.

If you meet the eligibility requirements for an HSA, you, your employer, your family members and any other person (including nonindividuals) may contribute to your HSA. This is true whether you are self-employed or unemployed.

Health Coverage Benefits: Savings can be used for any qualified medical expenses - even those not typically covered by your plans.

Tax-Benefits: Contributions to the HSA are 100% tax deductible.

Benefits Carry Forward: Unused savings, or earning, can be used in future years.

Check with your insurance agent, or tax preparer, for details on qualified HSA Plans.

How do you establish your Health Savings Account? Just come in and talk with us.

FIRST LIBERTY NATIONAL BANK with two locations to serve you:
Liberty Financial Center 1900 Sam Houston Liberty, Tx 77575 936-336-6471	Dayton Financial Center 109 East Hwy 90 Dayton, Tx 77535 936-257-9700

FLNB Investment Services - Securities and insurance products provided by PrimeVest Financial Services, Inc. Primevest Financial Services, Inc. is an independent, registered broker-dealer. Member SIPC / FINRA. Securities and insurance products offered by PrimeVest: * Not FDIC insured * May go down in value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

*Insurance products or annuities are offered through FLNB Insurance Agency, Inc. The insurance product or annuity is not a deposit or other obligation of, or guarantee by, First Liberty National Bank or FLNB Insurance Agency, Inc. The insurance product or annuity is not insured by the Federal Deposit Insurance Corporation (FDIC), any other agency of the United States, First Liberty National Bank, or FLNB Insurance Agency, Inc. In the case of an insurance product or annuity that involves an investment risk, there is investment risk associated with the product, including the possible loss of value.