1. Invest in your health with a Health Savings Account

2. Today we’ll be answering these common HSA questions: What is it? What can it be used for? Why should I have one? Who is eligible? How does it work? How easy is it to manage? 2

3. What is an HSA? A personal savings account for your medical expense Paired with a high- deductible health plan Financial account owned by you Pays for current and future medical expenses 3

4. Why should I have one? Health Savings Accounts have special advantages 4

5. 5 What can HSA be used for? Helps you pay for a variety of eligible medical expenses Health plan eligible expense Vision and dental expenses Over-the-counter (OTC) items COBRA premiums Medicare premiums (for people 65 and older) Health Insurance while receiving unemployment Long-term insurance

6. How does it work? Contributing to an HSA is easy 6 Employers and/or employees can contribute Employer contributions belong to you and are not taxable Pretax contributions, through payroll deduction, can be changed at any time Post-tax contributions are an “above-the-line” deduction Contributions can be made up to the date tax returns are due

7. How does it work? Maximize your contributions and your savings potential 7 2015 Maximum Contributions: $3,350 Employee-only coverage $6,650 Family Coverage 55+ Catch-Up Contributions: $1,000

8. How does it work? We make it easy for you to access your HSA Funds HSA Debit CardOut-of-pocket with online reimbursement Direct Deposit 8

9. Debit Card – give you choice 9 Available on all HSA & FSA accounts One card for multiple products Smart Card Accepted everywhere Visa is accepted No ATM No Fees for Debit Card Spouse or additional cards for no cost

10. How does it work? A few things to know about using your HSA funds 10 Only withdrawals for qualified medical expenses are tax free Expenses must be incurred after HSA is established Expenses are reimbursed up to the HSA balance No time limit on reimbursement requests Keep all receipts in case you’re audited by the IRS Ineligible expenses are taxable and can be penalized

11. Online Member Service Center Managing your HSA is easy with SelectAccount.com Register with the site to: View your account 24/7 via PC, Tablet or mobile phone Pay health care providers from your HSA Request reimbursement for out of pocket expenses Check balance Make contributions View account activity Request additional debit cards, add/change beneficiaries, manage investment funds 11

12. Member Mobile More than an App, full website enabled experience from any mobile device View your account 24/7 via PC, Tablet or mobile phone Pay health care providers from your HSA Request reimbursement for out of pocket expenses Check balance Make contributions View account activity Request additional debit cards, add/change beneficiaries, manage investment funds 12

13. HSA Investment Options $1,000+ Basic Investment Account $1,000-10,000+ Self-Directed Brokerage Account $10,000+ $1,000 minimum Investment plan options A minimum of $1,000 required in Base Savings Account $0-$1,000 13

14. We’re here to help Our expert, friendly service team is here to answer your questions 1.800.859.2144 651.662.5065 Monday thru Friday 7 a.m. to 7p.m. CST SelectAccount.com Your Online Member Service Center 14