A better HSA. More support. Easy administration HSA Bank. HSA Bank is a division of Webster Bank, N.A.

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1 A better HSA. More support. Easy administration.

2 Topics About HSA Bank HSA Product Features Employer Experience Business Support

3 About HSA Bank

4 Experience CDHC Experience over 15 years One of the first financial institutions in the country to offer a Health Savings Account (HSA) Serve over 500,000 accountholders Support over 25,000 employers representing companies of all sizes, complexities & industries Financial Security HSA Bank is a division of Webster Bank, N.A. Member FDIC Over $1.8 billion in HSA deposits & investments

5 Security Regulated by the Office of the Comptroller of the Currency (OCC). HSA Bank enforces strict compliance with consumer protection laws HSA Bank adheres to a strong overall security program recognized by large employers Employers electing to send funding files to HSA Bank will receive instructions about the file format (contribution file) and transmission method (SFTP + PGP).

6 Ten reasons to choose HSA Bank 1. You earn commission after you ve referred 10 accounts in a year. 2. All accounts are penny funded to establish the HSA, which ensures the accountholder can reimburse themselves for IRS-qualified expenses from the date the account opened. 3. HSA Bank does not charge a set-up fee and has a competitive monthly interest rate. 4. Two different investment platforms are available with no balance or investment minimums. 5. HSA Bank provides separate dedicated call centers for agents, employers and accountholders. 6. HSA Bank has a personalized website for agents/brokers and another for employers. 7. Webinars and/or onsite visits can be conducted for your individual employers 8. Educational material including brochures & presentations 9. Paper and online enrollment is provided with your designated Agent Identification Number (AIN). 10. We can work with all insurance carriers and can continue administering the HSAs for employers that change insurance carriers.

7 Product Features

8 Online decision-making tools The Everyday HSA tool enables participants to select a life stage similar to their own to receive tips on how to best use an HSA for their current phase in life. The Future Value Calculator helps employees to determine the potential growth and tax savings they can receive with an HSA. Our Is an HSA Right for Me? tool calculates the total cost of a traditional plan and compares it to the total cost of the HSAcompatible plan to help employees determine which plan is best for them.

9 The HSA deposit account No set-up fee No minimum deposit required to open the HSA No minimum balance required The monthly bank account fee is waived on balances of $3,000 or more Note: Effective September 1, 2013 a monthly balance of $4,850* must be obtained to waive the monthly fee. Interest-bearing account Tiered-interest rate structure with applicable rates determined by the daily balance *The Balance Waiver Amount is calculated annually as the average between the self-only and family plan maximum contribution limits. On an annual basis the Internal Revenue Service calculates inflation adjusted maximum contribution limits, and by November 1st of each year, the recalculated Balance Waiver Amount will be made available. Adjustments to the Balance Waiver Amount will be effective on January 1st of each year. Effective January 1, 2014, the adjusted Balance Waiver Amount will be $4,925.

10 Flexible contribution options HSA Bank offers easy ways for participants to contribute to their HSA: 1. Online Contribution 2. Payroll Deductions 3. Personal Check/Money Order 4. Transfer/Rollover (from an existing HSA or MSA) Contributions to the participant s HSA can be made by the employer, accountholder or third party (e.g. spouse, domestic partner, parent)

11 Contribution Monitor A Contribution Monitor enables Internet Banking customers to view HSA contributions in a graphical representation on the accountholder s homepage. A Contribute button allows the customer to easily access the Transfers page to set-up a one-time or recurring transfer in order to meet the relevant contribution limit for the current or previous plan year.

12 Convenient distribution options Optional HSA checks Online transfers from HSA to external account Manual withdrawal Debit card

13 HSA Bank debit card capabilities Accountholder s can pay for IRSqualified medical expenses from HSA funds wherever VISA is accepted. Accountholder s have the ability to withdraw up to $300/day at ATM with PIN and up to $2,000/day at point of sale with signature. To help prevent misuse of HSA funds, the debit card is only authorized at merchants that provide medical products and services.

14 Check writing Optional HSA Checks 50 checks for $7.95 With 10 deposit slips No minimum balance requirements to order checks Unlimited check writing at no charge Or, transfer funds to an external account to use personal checks

15 Opportunity to invest HSA funds No minimum HSA savings account balance required to invest in self-directed investment options TD Ameritrade Access to bonds, stocks and thousands of mutual funds DEVENIR A pre-selected group of no-load mutual funds covering a range of fund families and asset classes Open source HSA investment option (i.e. employer can mirror or pair HSA investment options with their 401K or deferred compensation plan) Disclaimer: Investment products are not FDIC insured, are not a deposit or other obligation of or guaranteed by the bank, and are subject to investment risks including possible loss of principal amount invested.

16 Free, online account management Accountholder s are able to: View real-time account balances View transaction history and statements (up to 18 months) View cancelled checks Utilize the Contribution Monitor tool Access tax documents Transfer funds to or from a linked investment or personal checking account Sign up for confirmations Download account activity to MS Money or Quicken

17 Website capabilities Resources available to participants at include HSA calculators, educational videos, tax filing tips, links to IRS resources (i.e. IRS-qualified medical expenses) and more.

18 Employer Experience

19 Easy administration Employer portal Profile Settings, User & Employee Administration Contributions, Enrollments, Reports and Resources

20 Electronic file format The Electronic File Enrollment process allows an employer, or a third-party to open HSAs for employees by submitting an electronic data file to HSA Bank's SFTP server. HSA Bank will open the accounts based upon the employees' intent, which may be in the form of a checkbox on the benefits enrollment system or in the form of a request to make payroll contributions to the HSA. Once HSA Bank receives the electronic file and verify the identity of each employee, the account will be opened.

21 Auto enrollment HSA-qualified employees can be easily enrolled in an HSA by uploading a Microsoft Excel.csv file. No employee participation is required. Here's how it works: 1) Log into the Online Employer Administration Area 2) Click on "Enrollment" and "Auto Enrollment File" in the menu. 3) Download the Auto Enrollment File template. Formatting instructions are provided. 4) Enter the required data in the template and save it as a.csv file. 5) Upload the completed.csv file. If the Auto Enrollment File meets the necessary requirements, it will be uploaded and processed within two business days.

22 Group online enrollment (GOE) GOE is a two-part system employer set up and employee enrollment. The employer chooses a set-up option (either Post Approval or Pre-Approval) that determines when employees enroll and how their applications are approved. Once set-up option is selected, the employer will be provided with a custom enrollment link in the online Employer Administration Area. The employer set up allows them to choose the way their employees enroll, when the applications are processed and who will pay for account fees.

23 Transactional efficiency in 2012 Total Enrollments Processed = 160,128 Average Days to Process: 0.95 Percent of Time on Target for Paper Transactions: (Mail + 1 Day): 96.58% (Mail + 2 Days): 99.40% Total Paper Transactions = 917,736 Total Checks: 182,083 Total Dollars: $331,958, Average Days to Process: 0.66

24 Employer reporting HSA Bank provides standard aggregate accountholder reports on a monthly basis: Number of accounts (new, active and closed) Average balance information Total and average contribution amounts by employer Employee pre-tax and/or post-tax contributions Distribution activity by source (debit card, check, ACH and manual withdrawal) Account usage statistics (Internet Banking, debit cards and investments) Custom reporting also available

25 Business Support

26 Business partner website View referrals Download educational resources Reorder materials Stay informed

27 Enrollment & communication support Train Human Resources and Payroll staff Provide onsite support at enrollment meetings, and Host live webinars for employees and spouses Pre-enrollment communication and enrollment day materials are available All of this is offered at no additional charge

28 Producer recognition program In 2012, producers earned an average of $3,000 in commission with the top producer earning over $26,000. The more you sell, the more you earn:

29 Knowledgeable customer service English and Spanish-speaking representatives based in USA are available Monday through Friday from 7:00 a.m. to 9:00 p.m., CT at (800) or Call center reps receive extensive training on only the HSA product for a high-quality level of knowledge and interaction with participants, unlike many commercial banks. Customer service stats in ,917 total calls 23 seconds average speed to answer (Service level is 30 seconds) 2.28% abandonment rate

30 Ongoing business support A team of business relations specialists are available to answer broker and employer questions Monday through Friday, 7 a.m. to 7 p.m. CT (866) businessrelations@hsabank.com

31 Wait times for live agents

32 Contact Business Relations p. (866)