BNY Mellon's contributions will be deposited to your HSA on or before your first pay following your coverage effective date, and you will become eligible to make pre-tax contributions to your HSA. You may use money in your HSA to cover qualified health care expenses.

You may use any remaining balances in your HSA to cover qualified health care expenses. Or, you may save the money for future qualified expenses. You may not contribute to the HSA again, unless and until you are covered by Plan HSA or another high-deductible health plan. Additionally, you will be charged a fee of $3.25 per month to keep your HSA open and will continue to pay $2.90 per month if you elected the HSA investment feature.

Any HRA balances will be converted to a Limited Purpose HRA for use in paying eligible dental, vision and preventive drug expenses. Once you meet your Plan HSA deductible, you can seek reimbursement for other qualified health care expenses. You will no longer be able to use your HRA debit card and must submit receipts for reimbursement.

An HRA will be opened in your name, and BNY Mellon's contributions will be deposited to your HRA on or before your first pay following your coverage effective date.

Any Health Care FSA balances will be converted to a Limited Purpose FSA for use in paying eligible dental, vision and preventive drug expenses. Once you meet your Plan HSA deductible, you can seek reimbursement for other qualified health care expenses. You will no longer be able to use your FSA debit card and must submit receipts for reimbursement.

Any amounts, up to $500 remaining in your Limited Purpose FSA as of December 31, 2015, will be converted to a Health Care FSA.