Health Savings Administrators is pleased to provide you with the products, services, content, tools, and
information on all Health Savings Administrators’ Site (the term “Health Savings Administrators’ Site” refers to all Health Savings Administrators web sites as well as to the content on them). Your use
of Health Savings Administrators’ Site is subject to the following Terms of Use (“Terms”).
These Terms are a binding contract between you and Health Savings Administrators. By using or accessing the Health Savings Administrators’ site you agree
to be governed by the version of the Terms in effect on the date each Health Savings Administrators’ Site is accessed by you. Health Savings Administrators may modify these Terms at any time and
without prior notice. You should review the most current version of this document by visiting www.HSAadministrators.com/database/login.aspx and clicking on the Terms of Use hyperlink located at the bottom of the page. These Terms
are in addition to any other agreements between you and Health Savings Administrators, including any customer or account agreements, and any other agreements that govern your use of products, services,
content, tools, and information available on the Health Savings Administrators’ site.
NO INVESTMENT RECOMMENDATIONS OR PROFESSIONAL ADVICE
Generally, the Health Savings Administrators’ site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Health Savings
Administrators’ site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Health Savings Administrators 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 AND NOTIFICATION
If you have a Personal Identification Number (PIN) for access to non-public areas of the Health Savings Administrators’ 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 Health Savings Administrators 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 Health Savings Administrators’ Site, you agree to indemnify and hold Health Savings Administrators 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 Health Savings Administrators’ Site,
or from your violation of these Terms. This provision may not apply to participants in certain employer-sponsored workplace savings plans.
CHANGES TO HEALTH SAVINGS ADMINISTRATORS’ SITE
Unless otherwise agreed, Health Savings Administrators may discontinue or modify the Health Savings Administrators’ Site at any time without prior notice to
you, and you accept those modifications if you continue to use the Health Savings Administrators’ Site.
TERMINATION
Health Savings Administrators may terminate your access to the Health Savings Administrators’ 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 Health Savings Administrators’
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 fund’s investment objectives, risks, charges and expenses before investing. For this and
other information, call or write to Vanguard® for a free prospectus, or view one online. Read it carefully before you invest or send money.