Your CONEXIS FSA

1. Your CONEXIS FSA Sign Up and Save Money Presented by Bob Wojciechowski, CFC, CC, ACB 2-25-2013

2. The Benefits of an FSA • Flexible spending accounts (FSAs) are part your benefits package • Health FSA • Dependent care FSA • Allows you to use pre-tax dollars to pay for qualified expenses • Advantages • Lowers your taxable income so you pay less in taxes • Paying less in taxes means more money in your paycheck • Save money on out-of-pocket expenses that you’re already paying for • Helps reduce the impact of rising health care costs and expensive child care services

3. Health FSA

4. Health FSA Advantages • Set aside pre-tax dollars to pay for eligible health care expenses • Deducted from paycheck in equal amounts throughout the plan year • Your entire election amount is available on the first day of the plan year • FSA funds can be used for eligible expenses • Expenses incurred by you, your spouse, and eligible dependents • Cost-saving opportunity • Reduced taxes • Increased take-home pay • Dollar-for-dollar value when using FSA funds to pay for eligible expenses

5. Health FSA Savings Example

6. The Easiest Way to Pay • The CONEXIS Elite Visa® Benefit Card gives you instant access to your health FSA funds • Easy to use – just swipe and go! • But be sure to keep your receipts • Instant payment of your eligible expenses • No paying out-of-pocket • Reduces your paperwork • No need to submit a claim andwait for a reimbursement check The CONEXIS Elite Benefit Card is issued by UMB Bank, n.a. pursuant to a license from Visa U.S.A. Inc.

7. Health FSA Expenses

8. Hundreds of Eligible Expenses • Co-pays, co-insurance, and deductibles • Qualified dental expenses • Cleanings, X-rays, fillings, and braces • Qualified vision expenses • Eye exams, LASIK, eyeglasses, and contacts and solutions • Qualified professional services • Chiropractic services and acupuncture • Prescription drugs, over-the-counter medicines*, and insulin • Many over-the-counter health care-related items • Bandages, thermometers, blood pressure monitors, etc. *Requires a prescription from a doctor to be an eligible expense; insulin is the only exception

9. Rules for Over-the-counter Medicines • Health care reform changed reimbursement requirements • Over-the-counter (OTC) medicines are eligible health FSA expenses only if prescribed by a doctor • Electronic or written prescription • Prescription issued by a doctor (or another individual who can legally issue a prescription) in the state where you purchase the OTC medicines • Examples: • Allergy and sinus medicines • Aspirin and pain relievers • Cough suppressants, cold and flu medicines • First aid creams, ointments, and sprays Rules do not apply to OTC health care-related items and insulin

10. Ineligible Health FSA Expenses • No health FSA funds for cosmetic or general health items • Ineligible expenses: • Cosmetic surgery and procedures (including teeth whitening) • Personal use items (toothpaste, makeup, deodorant, etc.) • Herbs, vitamins, and supplements used for general health • Non-prescribed OTC medicines (except insulin) • Prescription drugs imported from another country • Insurance premiums • Family or marriage counseling • Expenses for services outside coverage period • Expenses reimbursed by another insurance provider or health plan This list is not inclusive; for more information visit www.conexis.com/myfsa

12. Sign Up and Save Money • Think about how much you will spend on health care and dependent care expenses in the upcoming plan year • Review a list of eligible expenses and informative FAQs on the CONEXIS website • Figure out how much to put in your FSA • Use the online calculators on the CONEXIS website • Sign up during your employer’s open enrollment • When the plan year begins, your FSA contributions will be deducted in equal amounts throughout the plan year • Total health FSA election amount is available the first day of the plan year • Dependent care FSA funds accumulate throughout the year

13. Helpful Online Resources • Online tools and informative resources • Savings calculators • Savings examples • List of hundreds of eligible expenses • Participation guidelines and FAQs • Visit www.conexis.com/myfsa