1 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. Health Savings Account Presenter Name Date

2 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. What is a Health Savings Account (HSA)? Pre-tax benefit account that works a lot like a 401(k)  Set aside pre-tax money  Pay for everyday health expenses today  Save for future healthcare expenses You can use an HSA if you are covered by a qualified high-deductible health plan

3 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. Why You Need It Use tax free money to pay for today’s eligible out-of-pocket healthcare expenses Put away something extra for tomorrow’s healthcare needs Earnings on your HSA funds are tax free, too Earn money while saving money with no “use it or lose it” risk

4 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. How It Works ① Determine how much to contribute  Estimate how much you’ll need  Elect how much to contribute ② Funds are taken from your paycheck before taxes ③ Start saving up to hundreds of dollars in one year  Savings result from lower overall taxes

5 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. How You Use It Use your take care® Flex Benefits Card to pay instantly Works like a debit card, just swipe and go Funds come directly from your HSA No PIN required

6 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. No Card, No Problem Pay Me Back Choose to have the custodial bank issue you a check or direct deposit to your account.

7 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. How You Manage It Use take care® MyFlex sm Mobile app File a claim and get reimbursed quickly View transactions and benefit account balances using a single login Or online at takecarewageworks.com

8 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. How Much You Can Contribute For 2015:  $3,350 if you have individual coverage  $6,650 if you have family coverage  If you are 55 or older as of December 31, 2015, you may contribute an additional $1,000 IRS sets the contributions guidelines

9 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. Eligible Expenses Use Your HSA to pay for: Prescriptions for almost any medical condition Prescribed over-the-counter medicines, e.g. aspirin, cough syrup Copayments, co-insurance, and deductibles Dental care, both preventive, and restorative Orthodontia, child, and adult Vision care, eyeglasses, contact lenses, solutions Eye surgery, including laser vision correction Counseling and therapy Psychology and psychiatry Chiropractic care and acupuncture See for more

10 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. Why Enroll? Ability to create a health nest egg Save on taxes Wide range of covered expenses Easy access Flexible options

11 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. How You Get It Enroll online or by phone: Follow [Employer Name’s] instructions Visit [Insert employer’s benefits url] Or call [Insert employer enrollment phone #]

12 © 2014 WageWorks, Inc. All rights reserved. This document contains proprietary and/or confidential work product that belongs to WageWorks, Inc. and may not be used, reproduced, modified, displayed or distributed without the prior written consent of WageWorks, Inc. © 2014 WageWorks Inc. All rights reserved.