While BNY Mellon monitors your Health Savings Account pre-tax payroll contributions and contributions earned through the Wellbeing Rewards Program to help ensure that IRS contribution limits are not exceeded, please note that it is your responsibility to determine whether your total Health Savings Account contributions exceed the maximum IRS contribution limits in a particular year. If your total Health Savings Account contributions (including your own after-tax contributions, pre-tax payroll contributions, contributions earned through the Wellbeing Rewards Program and BNY Mellon contributions) exceed the applicable IRS limit, you may withdraw the excess without penalty until the deadline (including extensions) for filing your federal tax return for the tax year for which the excess contribution was made. After that time, any excess contributions are subject to both income taxes and an excise tax. Please see "Health Savings Account Contributions" in the Medical section for more information.