1. H.S.A.’s and Wellness Bring your corporate H.S.A. deposits to “Fourth National Bank” and get a fortune 500 wellness plan – no charge! Sample marketing piece for Bank’s customers

2. The “Fourth National Bank” H.S.A is unique Use your H.S.A. premium savings to reward those employees attempting to get healthier Implement a world class wellness plan Offer a long term answer to rising health costs. Available only with Fourth National Sample marketing piece for Bank’s customers

3. Why a wellness plan with your H.S.A. Small to medium sized businesses have two options when it comes to containing health costs; 1. Change your plan design ( EX: high deductible with an H.S.A.) 2. Get employees healthier Until now H.S.A.’s and Wellness have operated independently. Sample marketing piece for Bank’s customers

4. You already know - H.S.A premiums are 25% less than traditional PPO plans Assumptions: average employer contribution 75%, average monthly employee cost $800, contribution stays the same within the H.S.A. plan.

5. What you may not know - employers can discriminate in favor of employees that participate in wellness v.s. those that do not Any dollar amount can be substituted

6. WELLNESS Our H.S.A. customers have access to some of the best plans on the market…. One of our options, Vitality is one of the most established wellness programs in the country with AOL, Lenovo Computers and Ernest & Julio Gallo as customers. Our plans offer defined levels of achievement, tracked by our vendors. We do all the reporting, the customer only has to adjust H.S.A./PPO contributions.

7. THE REST OF THE STORY… Our wellness plans aren’t limited to the H.S.A. participants The entire group benefits from the wellness plan Charge PPO members a little more each month and give it back as they participate in wellness. The H.S.A. option should remain more appealing in order to migrate more people to the H.S.A. each year. Grants will be available, with health care reform, for companies offering qualified wellness plans. We can help with that. Contact our rep for even more reasons to bring us your H.S.A.; McGirk Agency & Wellness Delivered - Riley McGirk, President 630-903-6051/rileymcgirk@gmail.com