1. Important Information About Prepaid Benefits Cards Flexible Spending Account Enrollment EC-087 102411

2. FSAs are a smart move The more you know about Flexible Spending Accounts, the more you save!

3. 3 What is a Flexible Spending Account? An FSA is a benefit program that enables pre-tax dollars to be used to pay for eligible out-of-pocket health care expenses like*: * If allowed by your benefit plan **The list of eligible OTC items changed per the Patient Protection and Affordable Care Act of 2010. Contact your Plan Administrator for more information. Prescription and health plan copayments, deductibles and coinsurance “Amount Due” on medical and dental statements Orthodontics Mail-order or online prescription invoices Vision services and eyeglasses LASIK surgery Eligible over-the-counter (OTC) items**

4. Here’s an example of how you can save: The average family of four in the U.S. can expect to pay around $3,500 on expenses like office visits, prescription copayments, dental work, new glasses – or an unexpected hospital stay. If that $3,470 were put into an FSA before taxes, the family could save over $936! Out-of-Pocket ExpensesAnnual Average Taxes Saved (27% Tax Bracket) Physician$1,110$299 Inpatient Hospital$1,115$301 Pharmacy$555$150 Outpatient Hospital$560$151 Other$130$35 Total$3,470$936

5. FSA are even better with the Card The Benn® Prepaid MasterCard ® is issued by the Bancorp Bank pursuant to license from MasterCard International Incorporated. Benny® Prepaid Visa ® Card is issued by the Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank, Member FDIC.

6. 6 The Card makes FSAs easier With the Card, you don’t have to pay cash up front, file claims, and wait for reimbursement. And, accessing your account is...  Easy – a simple swipe of the Card makes it hassle free!  Automatic – funds are immediately transferred from your FSA at the time you incur the expense.  Convenient – there are no manual claim forms to submit.  Simple to track – your current balance is available 24/7 at the web site listed on the back of your Card.

7. 7 And, great news! There are tens of thousands of merchant locations where you can use the Card for prescription and eligible OTC out-of-pocket expenses*. You won’t be asked to supply receipts to verify the purchases. *The list of eligible OTC items changed per the Patient Protection and Affordable Care Act of 2010. Contact your Plan Administrator for more information.

8. The Card works at major participating merchants, including…

9. 9 Here’s how you can take advantage of this feature:  Before you order prescriptions or shop for eligible OTCs, find out which merchants are participating by visiting the web site listed on the back of your Card or by contacting your Plan Administrator.  Swipe your Benny ® Prepaid Benefits Card for the FSA- eligible items.  Participating merchant systems will allow the cost of the FSA-eligible items to be deducted from your FSA balance.  The clerk will request another form of payment for non- eligible items.  No receipts will be needed to verify Card purchases from participating stores.

10. 10 The Card also works for: Mail-order or online pharmacy purchases –Write your Card number on the order form. “Amount Due” on medical and dental statements –Simply write your Card number on the statement and send it back to the provider.

11. Getting started is easy! You’ll receive TWO Cards in the mail, along with important information on using the Cards. ACTIVATE and SIGN your Cards. Each eligible user signs his or her own name. Now you’re ready to pay for eligible expenses directly from your FSA. If a merchant or provider does not accept prepaid cards, you can still submit a manual claim.

12. Here are some Card basics to remember: For balance information or questions: Contact your Plan Administrator by calling the number or visiting the web site on the back of your Card. Submit a manual claim: If the provider doesn’t accept MasterCard  prepaid cards or for over-the-counter items. REMEMBER...SAVE, SAVE, SAVE all itemized receipts. Your Plan Administrator may contact you to submit a receipt to verify an expense.

13. Automatic, Fast, Easy to Track. No need to pay cash at the pharmacy or doctor's office. What are YOU waiting for? Sign up NOW and let YOUR savings begin! Reduced paperwork. Easy to use.

14. This document is confidential to Evolution1 ™, Inc. and may not be used, copied or disclosed except with express prior written consent of Evolution1, Inc. Copyright © 2011 Evolution1 ™, Inc., all rights reserved. Benny is a registered service mark of Evolution1, Inc. Business processes protected under US Patents 7,174,302 and 7,197,468 with additional patents pending.