Investment Services

Current Interest Paid on Sterling HSA CD Investment Option:

Account holders receive interest on all daily balances excluding those funds held on debit cards. Interest compounds daily and is posted to accounts monthly. Interest rates change from time-to-time, depending on market circumstances. Sterling HSA utilizes a number of our banking partners to deliver the highest returns possible to our account holders. Current interest rates on HSA accounts are described below:

INTEREST RATE TABLE Effective March 19, 2008
Interest Tier	Interest Rate	APY%
$15,000 or higher	1.98%	2.00%
$10,000- $14,999	1.74%	1.75%
$5,001- $10,000	1.25%	1.26%
$501- $5,000	0.75%	0.75%
Below $500	0.00%	0.00%
Interest rates are subject to change

Investment Options For Money In Your HSA Account

Sterling HSA offers account holders three (3) options for investing funds in their HSA accounts.

Option 1: FDIC insured money market

FDIC insured money market

Option 2: Partnervest Securities - Preferred Client Investment Support

Partnervest Securities extends to Sterling HSA subscribers the following benefits for Partnervest brokerage accounts:

Comprehensive investment choices in equities, mutual funds and bonds
Free online access to your investment account
No minimum account balance requirements
No annual account fee for brokerage accounts with Partnervest
Partnervest account set-up charges waived
Discounted transaction charges for stock trades

For more information, please visit Partnervest Securities at www.partnervestsecurities.com or email a dedicated HSA Partnervest financial advisor at info@partnervestsecurities.com.

Option 3: Self-direct with the investment broker/dealer of your choice

Self direct your investments at Sterling HSA using the investment broker/dealer of your choice, if they are able to custody HSA funds. Regular commissions and fees may apply.