Better employee health benefits start with the right HSA program. And the right HSA program starts here.

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1 Better employee health benefits start with the right HSA program. And the right HSA program starts here.

2 HSA Bank: Making HSAs work better for you, your employees and your bottom line. Visit cnbemployersetup to learn how HDHPs and HSAs work together to create a benefitpacked healthcare solution for employees. A balanced solution to rising healthcare costs Each year, more and more employers are trading in their high-cost health plans for a consumer-driven health benefit that combines a qualified low-premium health plan (commonly referred to as a high-deductible health plan or HDHP) with a health savings account (HSA). They re making the switch because the combination of an HDHP and HSA allows them to reduce their company s healthcare costs, while providing a quality health benefit for employees. It s a balanced solution to the rising costs of healthcare. And HSA Bank can help your business take advantage of it! The bottom-line benefits of an HSA program If you re like most employers, the rising cost of employee healthcare is an ongoing challenge. Combining an HDHP with an HSA creates an affordable and sustainable health benefit that can: Reduce your health plan premiums. Premiums for HSA-compatible health plans are generally lower than traditional healthcare plans. Help employees stay healthier and become smarter healthcare consumers. Employees with HSAs tend to be more aware of healthcare costs and more actively involved in their healthcare decisions. Lower your taxes. When you contribute to your employees HSAs, that amount is excluded from your FICA, Unemployment and Workers Compensation taxes. The more employees that enroll, the greater the savings will be. So it s important to make this benefit choice as attractive as possible.

3 HSA Bank: A better program, a better partner At HSA Bank, our business is HSAs. That s all we offer and what we do best. By focusing solely on HSAs, we re able to bring you the highest level of quality and personalized service in the implementation and management of your HSA program: Program design. In collaboration with your insurance/benefit professional, we ll help you build an HSA program around your benefit strategy and specific business needs. Dedicated account management. A designated account manager will coordinate every aspect of your HSA program from design through implementation and ongoing business support. An exclusive HSA Call Center means that you and your employees will always speak with an HSA expert when calling with a question or concern. You ll get the answers you need right away in just one phone call with no transfers! Easy online administration. Our online employer administration tools let you manage enrollment and contributions, download employee education materials, and more. No cross selling. Since we are not a traditional bank, you don t have to worry about your employees being solicited to refinance their homes, get car loans or use any other banking services. Free employee education materials and support is available for your enrollment meetings and benefit fairs. Adding more value for your employees We make it easy for employees to open, manage and grow their HSA by offering: No minimum account balance to open or maintain an HSA. Immediate account funding. In most states, an HSA is not considered established by the IRS until the account is funded which can take weeks with payroll funding. In the meantime, if employees pay out-of-pocket for eligible medical expenses, they won t be able to reimburse themselves for the expenses. So HSA Bank deposits a penny into every HSA on the day it is opened to establish the account and allow employees to reimburse themselves for any out-of-pocket expenses. Convenient debit cards make it easy for employees to pay for their eligible medical expenses. Online account management. From transfers to electronic statements and tax documents, employees can manage every aspect of their HSA online. Outstanding investment opportunities. HSA Bank offers some of the best self-directed investment options around for our accountholders. And there s no minimum balance required to begin investing!

4 Find out what HSA Bank can do for you. Visit cnbemployersetup for more information about our HSA programs and how they can increase the savings and success of your employee health benefits.

5 Building enrollment to maximize your savings Providing a quality HSA program along with your HDHP increases the value of the health plan and creates a powerful incentive for employees to enroll. To maximize employee enrollment through a quality HSA program, it s important to: Pay a higher percentage of your employees HDHP premiums. This will encourage more employees to enroll. Contribute to your employees HSAs. Your overall savings will more than make up for your contribution. Cover your employees monthly HSA fees. This provides an added incentive for employees to adopt the HSA compatible health benefit. Communicate and educate. Employees who understand the benefits of an HSA-compatible health plan are more likely to use them. HSA Bank can help you launch an effective employee education program.

6 About HSA Bank HSA Bank is one of the nation s leading Health Savings Accounts (HSA) administrators. We ve been managing HSAs exclusively since they were effective in 2004 with the passage of the Medicare Prescription Drug, Improvement & Modernization Act. Over the years, we ve remained focused on the administration, service and support of our HSA product. We work with individuals and companies of all sizes and complexities, while striving to provide superior customer service. Today, we are among the most experienced HSA custodians in the country, providing a high level of expertise that our customers can depend on. How to get started! Visit or contact Business Relations at , Monday-Friday, 8 a.m. 8 p.m., EST HSA Bank is a division of Webster Bank, N.A. Member FDIC. Webster Financial Corporation (NYSE: WBS) is the holding company for Webster Bank, N.A. HSA Bank does not provide tax advice. Consult your tax professional for tax-related questions. Investment accounts are not FDIC insured, may lose value and are not a deposit or other obligation of, or guaranteed by the bank. Investment losses that are replaced are subject to the annual contribution limits of the HSA. FN /12