1. Benny Says: The More You Know About Flexible Spending Accounts The MORE You Save!

2. What is a Flexible Spending Account (FSA)? A Flexible Spending Account (FSA) is a benefit program that enables pre-tax dollars to be used to pay for eligible health care expenses. FSAs can be used for expenses like: Covered prescription co-pays Coinsurance Doctor and emergency room co-pays Orthodontics Health plan deductibles and coinsurance Lasik surgery Out-of-pocket dentist or other provider fees Eyeglasses

3. Here’s an example of how you can save: The average family of four in the U. S. can expect to pay close to $1,600 on expenses like office visits, prescription co-pays, dental work and new glasses -- or an unexpected hospital stay. If that $1,600 were put into an FSA pre-tax, the family could have saved over $400.

4. FSAs Are A Smart Move Introducing The Benny  Debit MasterCard  Card for All Your Qualified FSA Expenses Benny  Makes Them EASY to Use!

5. Benny’s Your Buddy! Benny’s Your Buddy! With Benny , 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 – no manual claim forms to submit Simple to track – your current balance is available 24/7 at the web site on your Card.

6. How Does It ? How Does It Work? At the time of payment for prescription or office visit… Simply Present Benny™. The Card gets SWIPED... And, payment is automatically deducted from your FSA account. Then, save your receipts in an envelope. It’s that EASY!

7. Benny Also Works For: Mail order or online pharmacy purchases Write the Benny™ ID number on the order form When the provider sends you a bill instead of charging at the time of service Simply write your Benny™ ID number on your statement and send it back to the provider.

8. WHEN YOU SIGN UP! Here are Some ‘Benny Basics’ to remember... You will receive TWO Cards in the mail along with important information on using the Cards. You Need to ACTIVATE and SIGN the Cards  To activate call the number on the sticker on the Card or log onto www.MyBenny.com.www.MyBenny.com  Each eligible user signs his or her name. Now you're ready to pay for qualified expenses directly from your FSA Account

9. More Benny Basics REMEMBER...SAVE, SAVE, SAVE all itemized receipts. Your Administrator may contact you to submit a receipt to verify an expense. For balance information or questions, contact your administrator by calling the number or visiting the web site on the back of your card. In the pharmacy, use the Card ONLY for prescriptions Submit a manual claim: If the provider doesn’t accept MasterCard  debit cards for Over-The-Counter drugs

10. 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! The Benny  Debit MasterCard  Card is issued by BANKFIRST.