Spending Accounts (HSA, HRA, and FSA Accounts)

To view a full description of the spending accounts offered to you from Waters, please see the Benefits Guide.

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This microsite is only a summary of the programs available to Waters’ U.S. employees. For additional information, including the official plan documents, summary plan descriptions (SPDs), certificates of coverage, insurance policies, Summary of Benefits and Coverages (SBCs), etc., please find those linked throughout this microsite in each application section. In the event of a conflict between this microsite and the official plan documents or insurance contracts, the official plan documents and insurance contracts will govern in all cases.

Investing involves risk, including risk of loss.

This document provides only a summary of the main features of the plans, and the plan documents will govern in the event of any discrepancies.

The Fidelity® HSA® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.

Fidelity retail products and services are offered separately from your employer-sponsored retirement plan.

The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated.

The third-party trademarks and service marks appearing herein are the property of their respective owners.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

1165465.4.0

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Spending Accounts (HSA, HRA, and FSA Accounts)

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