HealthEquity Member Experience ASBAIT MEMBER DISTRICTS OPEN ENROLLMENT PRESENTATION Month XX, 20XX 1

Member services call center in Utah open all day every day: Member Services Line Member services call center in Utah open all day every day: 1.866.346.5800 24 – 7 – 365

Pre-Enrollment Help Line Dedicated ASBAIT phone number to answer specifics about HSAs: 1.877.694.3948 24/7 until June 30th

Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved. The Basics 4 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Health Savings Account + Low Premium Plan HSA COMPONENTS HDHP High Deductible Health Plan THE HEALTH CARRIER INSURANCE PARTNER HSA Health Savings Account THE ACCOUNT TO FUND DEDUCTIBLE TAX-FREE Insurance Company or TPA AEI Financial Custodian HEALTH EQUITY Convert passive users into active consumers of health services. Understand & manage the financial side of healthcare. Save & spend healthcare dollars more wisely. Build equity in your health plan. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved. 5

Traditional Plan vs. HSA Plan

Traditional Plan vs. HSA Plan Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved. Why an HSA ? 8 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Questions to Ask Yourself How much do I pay out of my paycheck for each plan? What is the deductible for each plan type? What is the “out-of-pocket” maximum for each plan? How much do I want to contribute to my HSA? How much will I spend on healthcare this coming year? What are my out of pocket costs for each plan type?

Employee Advantages with an HSA Plan… Employee owned and money stays with you Designed to pay for qualified medical expenses Unlimited rollover of unused deposits Tax-free contributions and distributions Expenses include medical, Rx, dental, vision Can cover spouse/dependent expenses even if on another health plan Lower premiums, tax free, long-term savings …Without Typical Execution Problems Fragmented services Minimal coordination Administration problems Poor user experience Growing need to carve-out consumerism spending account experience for best-in-class decision support. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved.

Superior HealthEquity HSA Experience 1. Everything you get from a bank HSA and much more -- Competitive interest rates -- FDIC insured -- Free HSA card -- No fees for integrated investment option transactions 2. Information you need when you need it -- 24/7 Health Equity consultants -- Talk with real people real time -- Online tools and information and proactive event messaging 3. HealthEquity Consultants available 24-7-365 -- Learn safe, effective ways to save on health care -- Get help negotiating payment schedules with providers -- Find out how to get the most of your HSA -- Tax tips regarding HSAs – current and future 5. Easy to use self-service tools at MyHealthEquity.com -- Manage account information -- See real time balances -- PayChoice on-line payment platform -- Make payments from account directly to providers -- Schedule one or more payments in advance -- Set up electronic fund transfers -- Rx and medical procedure OOP estimators 4. Lifetime Claims and Spending Record -- Permanent record of claims and spending in one place -- Take a tax deduction now -- Use other dollars to pay for health care -- Reimburse yourself after age 65 with tax-free dollars Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved.

Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved. Sample Scenario 12 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Hypothetical HSA Scenario HSA Contributions Scenario Employer Contributions: $700.00 Employee Contributions: $1,800.00 Total Contributions: $2,500.00 Tax Bracket: 25% Tax Savings on EE Cont.: $450.00 HSA Claims Scenario Preventive Care (covered 100%): $0.00 6 Doctor’s Visits x $65: $390.00 1 ER Visit x $150: $150.00 12 Prescriptions x $45: $540.00 Total: $1,080.00 Individuals can contribute in 2011: $3,050/yr Families can contribute in 2011: $6,150/yr TOTAL SAVINGS: $1,870.00 HSA Balance Year 1 Total Contributions $2,500.00 Out of Pocket Expenses: $1,080.00 Ending Balance: $1,420.00 For illustrative purposes only. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2009 by HealthEquity, Inc. All rights reserved.

Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved. Making the Decision 14 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

ASBAIT Pre-Enrollment Employee Info Site http://www. healthequity ASBAIT Pre-Enrollment Q&A Transition Line: 877-694-3948 Hefty Tax Break Spared in Health Care Bill NY TIMES 3-26-2010

Suite of Enrollment/Educational Pieces Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Customized Plan Cost Calculators Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Member Portal Web Tutorials http://www.healthequity.com/tutorials

We Wrote the Book www.hsaguidebook.com Select: “order book” Promo Code: “HSAsmart2010” FREE PDF VERSION THE COMPLETE HSA GUIDEBOOK Steve Neeleman, MD CEO/Founder Practicing Surgeon Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved. Member Experience 20 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Member Welcome Kits & Live Activation

Member Portal: Ease of Transparency New employer messaging capabilities scroll here. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

HSA “How To” – Doctor Visits Go to the doctor Doctor sends insurance company the bill Provider sends bill to employee No co-pays Insurance carrier adjusts price based on discounts Employee pays the provider with HSA card Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved.

HSA “How To” – Pharmacy Prescriptions Go to pharmacy Pharmacy applies discount Pharmacy sends claim to insurance company Show medical ID card Pay with HealthEquity card Insurance company applies amount to your deductible – no paper work needed. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved.

On the Go: Mobile HealthEquity Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Other Important HEQ Numbers EMPLOYER SERVICE: 866.382.3510 MEMBER SERVICE: 866.346.5800 BROKER SERVICE: 800.819.5852

Confidential and proprietary Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved.

Additional slides if needed.

Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved. Quiz 29 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Question 1: What is an Health Savings Account (HSA)? A personal savings account for qualified medical expenses B. A triple tax-advantaged savings plan C. The fastest growing health plan option in the United States D. All of the above Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2010 by HealthEquity, Inc. All rights reserved.

Question 2: True/False - My HSA balance will continue to rollover each year? Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2010 by HealthEquity, Inc. All rights reserved.

Question 3: How much cash will my employer put in to my HSA? $100 $300 $500 $800 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2010 by HealthEquity, Inc. All rights reserved. 32

Question 4: True/False - Unlike an FSA, my HSA is real money that belongs to me? Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2010 by HealthEquity, Inc. All rights reserved.

Question 5: How is an HSA better than a 401(k)? Deposits are tax free Deposits and account earnings are tax free Deposits, account earnings, & qualified withdrawals are tax free Like a 401(k), taxes are deferred and eventually must be paid Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2010 by HealthEquity, Inc. All rights reserved.

Congratulations! Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2009 by HealthEquity, Inc. All rights reserved.

Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved. Q&A 36 Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Top Ten Questions We Hear How do I contribute to my HSA? Payroll deduction for pre-tax. For post-tax, call us, go online and set up EFT, or send in check with form. How do I find out my account balance? Go online or call us. How do I pay for my prescriptions from my HSA? Simply swipe your HSA Visa Card at the pharmacy. I forgot to pay for a prescription with my HSA card, how do I get reimbursed? Go online to set up EFT to reimburse yourself or call us. Where can I use my HSA Visa Card? Run it like a credit card at your pharmacy or medical office. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2010 All rights reserved.

Top Ten Questions We Hear Can I get a card for my spouse? Yes. Just let us know when you activate your card. Will I receive a statement for my account? Yes, once a month. Is my HSA FDIC insured? Yes, it is. Does the money I have in my HSA rollover from year to year or do I lose the money at the end of the year? The money rolls over year to year. You do not lose the money in the HSA. It is your money. And you earn interest on it! Do I pay for the full doctor’s office visit when I go to the doctor? Some doctors may require you to pay upfront, but most will bill you later. Remember, you are only responsible to pay the discounted amount as determined by your insurance benefit. Do not let the doctor overcharge you at the point of service. Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2007 by HealthEquity 2007, Inc. All rights reserved.

Confidential and proprietary Confidential and proprietary. Reproduction without express written consent is prohibited. Copyright © 2008 by HealthEquity, Inc. All rights reserved.