Gain a partner in healthcare savings.

1. Gain a partner in healthcare savings.

2. Find a balanced solution • Health savings accounts (HSAs) paired with a qualified high deductible health plan (HDHP) are leading the way for businesses of all industries and sizes. • HSA Bank understands your need for a health benefit plan that’s affordable and sustainable for your business, while continuing to provide quality coverage for your employees.

3. An HSA works with your high deductible health plan • The high deductible health insurance plan or HDHP covers illness or injury after your employee’s annual deductible is met, and certain preventive care services at no cost. • Funds in their HSA can pay for eligible medical expenses before AND after their annual insurance deductible is met, including some medical expenses that may not be covered by the insurance plan.

4. HDHP/HSA concept HDHP Intended to cover serious illness or injury HSA Can pay for eligible medical expenses not covered the health plan

5. Eligible medical expenses* Employees can use their HSA to pay for a wide range of eligible medical expenses (as defined by the IRS) for themselves, their spouse or tax dependents. Here are just some examples: • Doctor and hospital visits • Medical equipment • Dental care, braces, dentures • Vision care, glasses, contacts • Prescription medications • (and, over-the-counter medication when prescribed) • Premiums for long-term care insurance • Premiums for COBRA • Premiums for coverage while receiving unemployment compensation • Premiums for individuals over age 65 **A list of Eligible Medical Expenses can be found in IRS Publication 502, http://www.irs.gov/pub/irs-pdf/p502.pdf. As described in IRS publication 969, http://www.irs.gov/pub/irs-pdf/p969.pdf, over-the- counter medications (when prescribed by a doctor) are considered Eligible Medical Expenses for HSA purposes.

6. The HSA “account” • No set-up fee • No minimum amount required to open the HSA • The monthly bank account fee is waived on balances of $3,000 or more • Interest-bearing account • Tiered-interest rate structure with applicable rates determined by the daily balance

7. Free, online account management • View real-time account balances • View transaction history and statements (up to 18 months) • View cancelled checks • Contribution monitor • Access tax documents • Transfer funds to or from a linked investment account • Sign up for email confirmations • Download your account activity to MS Money or Quicken DEMO

8. Debit card capabilities • Pay for eligible healthcare expenses from HSA funds wherever VISA® is accepted. • Withdraw up to $300/day at ATM with PIN and up to $2,000/day at point of sale with signature. • To help prevent misuse of HSA funds, the debit card is only authorized at merchants that provide medical products and services.

9. Check writing • Optional HSA Checks • 50 duplicate checks for $7.95 • No minimum balance requirements to order checks • Unlimited check writing at no charge • Or, transfer funds to an external account to use personal checks

10. Opportunity to invest HSA funds • No minimum HSA cash balance required to invest in self-directed investment options • TD Ameritrade • Access to bonds, stocks and thousands of mutual funds • DEVENIR • A pre-selected group of no-load mutual funds covering a range of fund families and asset classes • *Investment products are not FDIC insured, are not a deposit or other obligation of or guaranteed by the bank, and are subject to investment risks including possible loss of principal amount invested.

11. Knowledgeable customer service • English and Spanish-speaking representatives based in USA are available Monday through Friday from 7:00 a.m. to 9:00 p.m., CT • Call center reps receive extensive training on only the HSA product for a high-quality level of knowledge and interaction with participants, unlike many commercial banks • Customer service stats in 2012 • 383,917 total calls • 23 seconds average speed to answer (Service level is 30 seconds) • 2.28% abandonment rate

12. Help your employees save for healthcare • An HSA is a great way for your employees to save and pay for healthcare expenses – • especially when you start them off with a healthy employer contribution and provide ongoing contributions throughout the year. • HSA Bank will help you design an HSA program unique to your employees and business needs.

13. Implementing your HSA program

14. Design makes a difference • How many employees will be offered an HSA-compatible health plan? • How many health plan options are being offered? • What are your objectives for offering the HSA plan? • Do you plan on making contributions to your employees’ HSAs? • What is your goal for % enrolled?

15. Easy employer enrollment options • Group Online Enrollment is a two-part system – employer set up and employee enrollment. • Electronic Enrollment allows HSA Bank to open an account based on an electronic file and the employer or third-party demonstrating the employee’s intent to open an HSA. • Individual Online Enrollment • Paper Application

16. Convenient employer contribution options • Data File with Wire/ACH: With this option, you control when contributions are processed. • ACH Direct: Much like a direct deposit, you can use your current payroll provider to make contributions directly to your employees’ HSAs.   • The Group Online Contribution System (GOC) offers a convenient way to contribute to your employees’ HSAs.  • Paper Check to HSA Bank

17. Seamless transferring of accounts • Establish New HSAs: An HSA Bank Business Relations specialist will help you select the enrollment and contribution options that best meets your needs. • Complete Transfer Forms: Once the HSA accounts have been established, you can communicate the transfer to your employees and distribute the transfer forms provided by HSA Bank.

18. Online employer administration • HSA Bank’s Employer Administration Area features a variety of resources to help you effectively manage your HSA program.

19. Enrollment & communication support • An account manager or regional representative will: • Train Human Resources and Payroll staff • Provide onsite support at your enrollment meetings • Host live webinars for employees and spouses • Pre-enrollment communication and enrollment day materials are available

20. Online decision-making tools DEMOS

21. Employer reporting • HSA Bank provides standard aggregate accountholder reports on a monthly basis: • Number of accounts (new, active and closed) • Average balance information • Total and average contribution amounts by employer • Employee pre-tax and/or post-tax contributions • Distribution activity by source (debit card, check, ACH and manual withdrawal) • Account usage statistics (Internet Banking, debit cards and investments)

22. About HSA Bank • One of the first financial institutions in the country to offer a Health Savings Account (HSA) • HSA Bank is a division of Webster Bank, N.A. Member FDIC • Serve over 540,000 accountholders • Support over 25,000 employers representing companies of all sizes, complexities & industries • Over $1.8 billion in HSA deposits & investments

23. Differentiators • HSAs are all we do. So, there’s no cross selling of other banking products to you or your employees • All accounts are penny funded to establish the HSA, which ensures your employee can reimburse themselves for eligible expenses incurred from the date the account opened. • HSA Bank can work with any insurance carrier. • Can continue administering HSAs for your employees if you change insurance carriers.

24. Ongoing employer support • Business relations specialists are available Monday through Friday, 7 a.m. to 7 p.m. CT by phone and email to assist you with any questions, concerns or issues regarding your HSA program. • A account manager will coordinate your HSA program implementation, education and communication needs. • Your Regional Vice President also provides employer and employee training through in-person presentations.

25. Contact us to learn more… HSA Bank - Business Relations businessrelations@hsabank.com p. (866) 357-5232 Or, click here to find your Regional Vice President!