Considering a Health Savings Account?

1. Considering a Health Savings Account?

2. Our Experience • HSA Bank has nearly ten years of HSA-industry experience • Offered Medical Savings Accounts beginning in 1997 (HSAs in 2004) • HSA Bank’s rapid expansion led to our acquisition by Webster Bank, N.A. • One of the 50 largest banks in U.S. with more than $18 billion in assets • Webster Bank is committed to providing HSA Bank with the resources for continued growth

3. Our Experience • Maintain relationships with over 175 health plans/TPAs • Work with more than 10,000 employer groups • Serve more than 150,000 accounts in all 50 states • More than $265 million in deposits • Additional $23 million in brokerage accounts • In February 2006, a study conducted by ICDC found HSA Bank was the leading provider of HSAs in the nation regarding HSA volume and deposits

4. Company Mission “High Tech, High Touch, High Satisfaction” • Enhanced automation of processes and services • Continued efforts to ensure quality in customer service

5. Electronic Enrollment Originated electronically, e-sign compliant

6. Electronic Enrollment Originated from Paper

7. Electronic Enrollment Date file to pre-populate application

8. HSA Bank Group Online Enrollment

9. HSA Bank Individual Online Enrollment

10. Paper Enrollment Step 1: Complete the proper HSA Bank forms Step 2: Mail the forms to HSA Bank with the initial contribution, set-up and check fee (if applicable) Step 3: Accounts open in 1-2 business days of receipt or the effective date of the plan, whichever is later Step 4: Within 2 weeks, the accountholder will receive a welcome kit, debit cards (if applicable) and checks (if applicable)

11. Employer Contributions • Online Contributions • New in-house system in Employer Login area • Provided with a list of all employees tied to Federal ID # • Column after each name for ER, EE, EX • ACH Direct • Employer sends ACH direct to employee’s accounts • Utilize discretionary data field in ACH file to code contribution sources • Company ACH or Wire Transfer + File • Company send one ACH file or Wire Transfer • The transaction file dictates how the money is distributed to each account • Submit a Check With Contribution Form (or similar format)

12. Employee Contributions • Online Contributions • Recurring or one-time, as needed • Check • With Contribution Form tear-off • With Deposit Ticket • Automatic Transfer • Bank originated ACH • Recurring

13. Financial Options • Interest bearing “bank” account • All accounts are opened as an FDIC-insured bank account with current annual percent yield ranging from 1.00% to 4.60% • Investment Options • Default: Self-directed brokerage • Mutual fund selection • Full-service brokerage

14. Self-Directed Brokerage • Ameritrade Corporate Services • Access to stocks, bonds and over 11,000 mutual funds • Trades are made online or over the phone • Accountholder must contact HSA Bank to transfer funds from HSA to brokerage account • HSA Bank intends to release a transfer system to allow accountholders to transfer funds from their HSAs to their brokerage accounts online this summer

15. Mutual Fund Selection • Devenir Investment Advisors • Selection Options • Employer can choose to offer a standard selection of historically top-performing mutual funds • Employer can choose to offer same funds as included with their 401(k) • Trades are completed online through HSA Bank’s Internet Banking system

16. Full-Service Brokerage • Transamerica Financial Advisors (TFA) • Agents licensed with TFA can assist their clients with HSAs at HSA Bank invest HSA funds in TFA investments • Accountholders request the money be transferred to their TFA brokerage account • HSA Bank is currently in negotiations with several other broker dealers to provide this service to their broker’s clients.

17. Distributions • Debit Card from Visa • POS with signature (no transaction fee) • ATM with PIN ($1.50 transaction fee) • POS with PIN ($1.50 transaction fee) • Checks $7.95 for 50 checks (no transaction fee) • Online Transfer • From HSA directly to external account • Withdrawal Forms ($4.00 transaction fee)

18. Distribution Design Scenario A Insurer Applies network discounts Doctor Visit SubmitClaim Pay doctor Sends EOB Scenario B Fill prescription Pay Pharmacy

19. Service & Support • Dedicated Business Relations: Each relationship is assigned a dedicated coordinator to assist the relationship and its employer clients. • Regional Vice President: Local contact to assist the relationship and its employer clients. • Client Assistance Center:Our client assistance center provides dedicated customer service to accountholders and prospective accountholders. • Spanish Language Support:Our client assistance center and business relations teams provide Spanish language support to relationships, accountholders and prospective accountholders. • Experience:Our Business Relations Coordinators and Client Assistance Center receive the most comprehensive and up-to-date HSA training in the industry. Our representatives have a strong customer service background and many have worked in the financial, insurance, and benefits administration industries.

20. Reporting Capabilities • Accountholder • Monthly account statements • IRS reporting • Email confirmation of account opening and ongoing activity • Employer • Email confirmation of deposits • Customized employer guide • Email updates on consumer-driven health care and HSA account features • TPA/Carrier(Additional data feeds and information needs negotiable) • Data feeds with account stats (Ex.- Ave. balance, total distributions/contributions, max. dist., etc) • Quality assurance statistics and data (Ex.- Phone stats, fulfillment guarantees, etc.)

21. Calculation Tools • Contribution Calculator • Calculates the prorated contribution limit based on the number of months you are effective under a health plan. • Tax Savings Calculator • Calculates the tax-savings based on pre-tax contributions. • Future Value Calculator • Calculates the future value of the HSA based on your annual contributions, expenses, and anticipated growth. • Health Plan Comparison Tool • Compares HSA and non-HSA plans based on information provided by user.

22. Website • HSA Bank has created a website to serve the specific needs of and provide relevant information to: • Prospective accountholders • Accountholders • Employers • Insurance agents

23. Internet Banking • Provides account information, including: • Year-to-date information • Online Address Changes • Download transaction history • View Cancelled Checks • Access Online Contributions • Further enhancements coming soon: • Online Bill Pay Option

24. Educational & Training Resources • Comprehensive Training Options for you and your clients • FLASH Animation presentation • Customizable PowerPoint presentations • Webinar presentations • In person training seminars • Sample Topics • What can an HSA and HSA Bank offer? (Staff training) • Why choose an HDHP and HSA? (Employers & Employees) • How to design your plan offering (Employers) • What is an HSA? (Basic and Advanced) • How to use your HSA (Individual)

25. Thank you for considering…