1. Are You Considering an HDHP With an HSA?

2. Basic HSA Plan Concept

3. »Premium Savings »Ability to offer health insurance to employees »Employee opportunity to control healthcare spending »Decreased rise of healthcare costs through lower utilization Why Choose an HSA-Compatible Plan?

4. HSA Advantages For an Employer »Tax benefits »Employee-owned funds promote increased motivation for involvement in healthcare decisions »HSAs allow “matching” contribution options by employers and employees through a cafeteria plan For an Employee »Funds roll over each year »Tax benefits on the contributions, earnings, and distributions »Long-term investment opportunity

5. Average Annual Premiums by Plan Type »Single: HDHP/HSA premium is 10-18% less than Traditional Plans »Family: HDHP/HSA premium is 10-11% less than Traditional Plans PlanHMOPPOPOSHDHP/ HSA Single$5,350$5,584$5,841$4,793 Family$15,288$15,404$15,260$13,704 Source: The Kaiser Family Foundation AND Health Research & Educational Trust Employer Health Benefits 2011 Annual Survey Traditional Plans vs. HSA-Compatible Health Plan

6. Five Step Set Up 1.Employer Completes Sign-up Form & Considers Enrollment Approval Options (Batch, Immediate, By Approval) 2.Reviews & Discusses Program Design 3.Selects Enrollment Method 4.Selects Contribution Method 5.Develops Communication & Education Plan

7. Program Design & Tips Design Tips »Pay for HSA Fees »Contribute to Employee Accounts »Tie in Wellness »Avoid the Term “High Deductible” Program Design Worksheet »Answer basic questions about your program, goals and communication opportunities. »Receive custom tips for designing your program and designing your communication plan.

8. Enrollment Options »Group Online Enrollment »Employer vs. Employee »Electronic Enrollment »Standard File Format »Individual Online Enrollment »Paper Applications

9. Group Online Enrollment HSA Bank’s Group Online Enrollment system allows you to submit a census data file, which can make the enrollment process easier for your employees by pre-filling certain fields for them. HSA Bank provides instructions on how to format the census data file as well as a Microsoft Excel file.

10. Employee Contributions »How are they made »Online »Check »Rollover (HSA or IRA) »Catch-up Contribution »Who makes them »Accountholder »Employer »Third-party »Maximum Limit Year Individual Family 2011$3,050$6,150 2012$3,100$6,250

11. Makes Contributions Employer Contributions Instructions provided and BR assistance available. Online Data File with Wire/ACH ACH Direct Check 1. Employer Chooses Contribution Method 2. Sets-up Selected Option +=

12. Group Online Contributions Step-by-step instructions From this page you can add a new contribution, view/edit/cancel pending contributions, view your contribution history and view your bank information.

13. Distribution Options »Visa® Debit Card »Online Transfers »HSA Checks »Withdrawal Form

14. Employer Customizations » Add the name and logo to match your look. » Brochures » Websites » Welcome letters » Email Campaigns » Toll-free numbers

15. Employer Administration Area »Manage Group Online Enrollment »Make Contribution to Employees’ Accounts »Upload Contribution Data and Census Files »View Employees’ Status and Pending Enrollments

16. Internet Banking www.hsabank.com/internetbanking

17. Account & Investments »Savings Account »Interest bearing and FDIC insured »(Rates subject to change visit www.hsabank.com) »Self-directed Brokerage (Not FDIC Insured) »Stocks, bonds and thousands of mutual funds »Mutual Fund Platform (Not FDIC Insured) »Top performing mutual fund suite similar to 401K Investment products are not FDIC insured, are not a deposit or other obligation of or guaranteed by HSA bank, and are subject to investment risks.

18. Communication Tips »Begin education early »Combine multiple forms of communication: printed, web, multi-media, in-person »Emphasize the benefits of choice and empowerment »Compare current plan design with HSA-compatible plan design »Illustrate the tax benefits and long-term savings potential »Involve spouses in the communication process

19. Online Tools http://hsabank.com/Calculators

20. Spanish Resources Customer Service (866) 357-6232 7 a.m. – 9 p.m., CT, Monday – Friday Forms Website

21. Building Success 14+ Years of Industry Leadership 400,000 Accounts 400+ Health Plans and TPAs 25,000+ Employer Groups HSAs are not a portion of our business, they are our business.

22. Customer Service Business Relation Specialists: Call us: (866) 357-5232 Monday through Friday, 7 a.m. - 7 p.m., CT Email us: businessrelations@hsabank.com Visit: www.hsabank.com