Self-Directed Brokerage Details

$16.00 Annual Fee (two transactions per year free of charge) & $10.00 Per Transaction Fee (after the first two complimentary per year)

To self-direct investments, Sterling accountholders may transfer funds in their HSA account to a joint brokerage account titled "Sterling HSA Administrator For The Benefit Of (Name Of Sterling Accountholder)". Once the joint brokerage account has been set up and the accountholder has completed a Sterling Transfer of Assets Form, Sterling will transfer funds from the HSA account to the joint brokerage account.

Remember, there is a minimum balance requirement of $20 which must be kept in your HSA. The monthly maintenance fee on the HSA account will continue to be charged, for this reason we ask you to also leave a minimum of one year's worth of fees in your HSA, or Service Fee Balance. An annual fee of $16 will also be charged for the outside investment account. Sterling recommends all accountholders keep an amount equal to their annual deductible or out-of-pocket maximum in their HSA account at a minimum. Additional brokerage fees may apply. Check with your broker-dealer for details.