Presenter’s Name or Company Name

2. Presenter’s Name or Company Name Presenter’s Name or Title Company Name or Presenter’s Title

3. ThinkFSA

4. What's your reason for enrolling?

5. Today: Who we are and what we do Extra money for expenses Different expenses, different accounts Submitting claims is easy Quick reimbursement tips Next steps

6. Employee Benefits Corporation • We’re a 100 % employee-owned third-party benefits administrator • We process your claims • We personally answer your questions • We produce our own website and materials • We show you how the BESTflex Plan provides extra money for health and daycare expenses

7. Extra money for expenses.

8. Extra money as soon as you enroll. • You agree to put a portion of your pay into at least one special account called a Flexible Spending Account (FSA) • Then, as you incur eligible expenses, you pay for them using the money in the FSA

9. Where’s the extra money?

10. Extra money is available automatically. • Normally, federal, state and payroll taxes eat up about 30% of what you earn • However, every dollar you place in these special FSAs is tax-free • So, a $500 election lets you keep the $150 you would have paid in taxes • There’s your extra money

11. Different expenses, different accounts.

12. Group Premium Account • Unlike an FSA, this account pays for your health insurance premiums, tax-free • Cost is automatically deducted from your pay • You receive this benefit automatically • You must participate in your employer’s Group Health Plan to take advantage of this account • You pocket what you would have paid in taxes

13. Health Care FSA • You elect to place a portion of your pay into a Health Care FSA, tax-free, up to $2,500 • Used for expenses not covered by insurance • Great for out-of-pocket, co-pays or prescription expenses; hundreds of expenses are eligible • Visit www.fsastore.com and see how many! • You can use the Health Care FSA for the duration of your Plan Year

14. Limited Health Care FSA • Unlike a standard Health Care FSA, this FSA reimburses dental and vision expenses only • It also allows pre-tax contributions to Health Savings Accounts (HSAs) • Note in some states, HSA contributions are subject to state taxes

15. Dependent Care FSA • You can also place a tax-free portion of your pay into a Dependent Care FSA • $5,000 maximum ($1,500 in tax-savings) • Perfect to help pay for daycare expenses • You can also use this FSA for other types of dependent care; consult your Summary Plan Description (SPD) for the details

16. Employer contributions • Your employer has chosen to contribute to your BESTflex Plan • Eligibility requirements may apply and are defined in My Company Plan, a document that explains your plan details, available in My Account Assistant at www.ebcflex.com • Contributions are not affected by the $2,500 maximum election amount

17. Using all your money • Federal regulations require you use all your funds in an FSA by the end of the plan year • Funds remaining are forfeited to the plan • Make your elections based on prior expenses • Take advantage of every eligible expense • Use the tools we provide to help plan your elections • Built-in features help youuse all your money

18. Submitting claims is easy.

19. Submit your claims using our mobile app • My Mobile Account Assistant • For Android and iPhone • Camera scans documentation • Upload with claim information • Receive notification when a claim is processed • Use the app to review FSA account information

20. Submit your claims online or using paper • My Account Assistant • Your secure web portal lets you review all aspects of your account online at www.ebcflex.com • Submit claims and documentation • Receive notification when a claim is processed • Claim Form • Mail or fax a paper form with attached documentation

21. BennyTM Benefits Card • Use BennyTM instead of paying out- • of-pocket for eligible expenses • Automatically determines an expense is eligible at point-of-sale at many retailers and provider • Inventory Information Approval Systems (IIAS) • No additional documentation needed • BennyTM works with Health Care FSA only

22. BennyTM Benefits Card – Documentation • You’re notified when an ineligibleexpense needs additional documentation(non-IIAS retailers or providers): • On your mobile device with our app • Online when you log into your account • By email or postal mail • You can submit required documentation the same way, using mobile app, online, fax or mail

23. Built-in features help youuse all your money.

24. Health Care FSA Runout Period • The Runout Period is a time after your plan year ends, in which you can continue to submit claims • Your Runout Period is defined in My Company Plan, the document that explains your plan details, available in My Account Assistant at www.ebcflex.com • You use the Runout Period to submit claims only for expenses incurred during your prior plan year

25. Health Care FSA Grace Period • This FSA includes a 2-1/2 month Grace Period • After your plan year ends, you can continue to incur expenses and submit claims for an additional 2-1/2 months

26. Health Care FSA Rollover • This FSA includes a $500 rollover • After your plan year ends, up to $500 remaining in this FSA will roll over into the next plan year • You are automatically enrolled in the plan again • Any funds remaining up to $500 will continue to roll over into subsequent plan years • Rollovers are not affected by the $2,500 maximum election amount

27. Quick reimbursement tips.

28. Fill out the forms completely • Mobile, online or paper forms must be filled out accurately and completely to avoid the claim being denied • Be sure to attach all relevant documentation • Include dates and types of service, expense amount and the provider’s name • If you use the paper form, be sure to sign it

29. Reimbursement options • To receive reimbursements faster, sign up for Direct Deposit • We deposit your reimbursement in the financial account of your choice • Sign up online by logging into My Account Assistant at www.ebcflex.com • Traditional reimbursement by check sent using U.S. Mail is the default reimbursement method

30. Next steps: Enroll in the plan.

31. We make enrolling easy: Paper • Fill out your information completely • Total your elections • Sign and date the form • Return it to your employer

32. We make enrolling easy: Online • Log into My Account Assistant at www.ebcflex.com • Click on “Renewal” and follow the instructions

33. Next steps: My Account Assistant

34. My Account Assistant: Secure log-in • First Time Users Activate Account • Click this linkto start • Otherwise, enter youruser name &password

35. My Account Assistant: Account Overview • View your BESTflex Plan account securely and conveniently online • Review your account balance • Submit and view the status of claims • Download important information materials

36. Help is always available • Contact our Participant Services team! • Phone (local): 608 831 8445 • Phone (toll-free): 800 346 2126 • Fax: 608 831 4790 • Email: participantservices@ebcflex.com • Thank you!