U.S. Bank Health Savings SolutionSM Health Savings Account 101 An understanding of HSAs with U.S.Ban

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U.S. Bank Health Savings SolutionSMHealth
Savings Account 101An understanding of HSAs with
U.S.BankTurning health care users into
smart consumersSM
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Overview U.S. Bank and HSAs

• U.S. Bank - background
• What is a Health Savings Account?
• Three Critical Questions
• Why choose the HSA PPO Plan?
• Why utilize a HSA with it?
• Why choose the U.S.Bank HSA?

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U.S. Bank A Leader in Financial Services

• 5th largest financial holding company in the
  United States
• 2nd most respected financial company in the
  country(1)
• Top performing bank in the country(2)
• National bank operating in all 50 states
• SAS 70 operational compliance with HSAs
• Comprehensive health care banking strategy
• Strong service culture

Corporate Payment 11
Global Merchant Acquiring 32
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• Barrons Survey
• Bank Director Magazine

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U.S. Bank Across the U.S.
NH
ME
VT
MA
NY
AK
MI
RI
PA
CT
NJ
WV
VA
DE
MD
DC
NC
OK
NM
SC
HI
GA
MS
AL
TX
LA
FL
United States
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Overview HSA

• What is a Health Savings Account?
• What is the U.S. Bank Health Savings Solution?
• How do I enroll?
• How do I make contributions to my HSA?
• How do I use my HSA funds?
• How do I make informed decisions about my health
  and healthcare expenses?

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What is a Health Savings Account?

• Tax-advantaged savings account
• Similar to a 403(b) account, but
• For medical expenses current and future
• Make contributions on a pre-tax or after-tax
  basis
• Spend funds for Qualified Medical Expenses (QME)
  or for general expenses in retirement
• You are only eligible to contribute to an HSA if
  you are enrolled in a qualified High Deductible
  Health Plan (HDHP)

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What is the U.S. Bank HSA?

• Interest bearing FDIC-insured account
• HSA Visa Debit Card and HSA checks
• Real-time transaction processing
• Investment Options (20 Mutual Funds)
• Mutual funds from Fidelity and First American
  Funds
• Account balance over 2500 may be invested
• Monthly statements (electronic) and annual IRS
  reporting are provided
• Web site and Interactive Voice Response (IVR)
• HSA Specialist Service Center (877-HSA-6789)
• Monday through Friday9 a.m. to 8 p.m. (ET)

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HSA Product Design
Pre-tax payroll contributions
Deposit Account Interest bearing FDIC-insured
Qualified Medical Expenses
Integrated Investment Account 20 investment
options (not FDIC-insured)
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HSA Investment Options
First American Mutual Funds Large Cap Value Mid
Cap Value Small Cap Value Equity Index Mid Cap
Index Small Cap Index Large Cap Growth Mid Cap
Growth Small Cap Growth International
Growth Core Bond Fund Prime Obligation
First American Asset Allocation Funds Strategy
Income Allocation Strategy Growth and
Income Strategy Growth Allocation Strategy
Aggressive Allocation Fidelity Advisor Funds
Fidelity Advisor Freedom 2010 Fidelity Advisor
Freedom 2020 Fidelity Advisor Freedom 2030
Fidelity Advisor Freedom 2040
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How do I enroll in the HSA?

• Enroll in a HSA PPO Plan (HDHP)
• Complete the HSA Payroll Deduction Form
• Once the information is sent to U.S. Bank the
  Health Savings Solution Welcome Kit will be
  mailed in 7-10 business days.
• Includes information on web site, account, and
  service center
• Deposit coupons, for additional post tax HSA
  contributions
• To activate HSA account
• Go online and accept terms
• Complete signature card for checks
• Return signed signature card in pre-paid envelope

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How do I make contributions to my HSA?

• Contribute on a pre-tax basis (primary method)
• Contributions are made via payroll deduction
• Contribute on an after-tax basis
• Use U.S. Bank HSA deposit coupons
• Negative
• Must wait until tax filing to get taxes back
• Can never recover FICA taxes (7.65)
• Contribution limits (2009)
• Single Coverage - 3,000
• Family Coverage - 5,950
• Over 55 catch up - 1,000

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How Do I Use My HSA?
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Health Care Consumer Support Tools
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How do I access my HSA and ask Questions?

• Web information and account access
• http//healthsavings.usbank.com
• HSA Service Center (24/7) 1-877-HSA-6789
• HSA Specialist Service Center
• Monday through Friday9 a.m. to 8 p.m. (ET)
  1-877-HSA-6789

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U.S. Bank HSA www.healthsavings.usbank.com
Turning health care users into smart consumersSM