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an
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span
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  </span></span><span style=3D'position:absolute;top:7.33%;left:5.25%;width=
:87.5%;
 height:7.66%'><span style=3D'font-size:88%'>Eligibility</span></span></div>
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 <div class=3DB1 style=3D'mso-margin-left-alt:528'></div>
 <div class=3DB2 style=3D'mso-margin-left-alt:792;mso-text-indent-alt:576'>=
</div>
 <div class=3DB3 style=3D'mso-margin-left-alt:1056;mso-text-indent-alt:864'=
></div>
 <div class=3DB4 style=3D'mso-margin-left-alt:1344;mso-text-indent-alt:1152=
'></div>
 <div class=3DB style=3D'mso-line-spacing:"90 50 0";mso-margin-left-alt:288=
'><span
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'><span
 style=3D'font-size:93%'><span style=3D'mso-special-format:bullet;color:#55=
0C82;
 position:absolute;left:-5.34%;font-family:Wingdings'>&Oslash;</span></span=
><span
 style=3D'font-size:93%'>Covered by a qualified high-deductible health </sp=
an></span><span
 style=3D'position:absolute;top:28.99%;left:10.25%;width:81.5%;height:6.66%=
'><span
 style=3D'font-size:93%'>plan (HDHP)&#13;</span></span></div>
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span
 style=3D'font-size:93%'><span style=3D'mso-special-format:bullet;color:#55=
0C82;
 position:absolute;left:-5.22%;font-family:Wingdings'>&Oslash;</span></span=
><span
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pan></span></div>
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'><span
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0C82;
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><span
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n><span
 style=3D'position:absolute;top:52.0%;left:10.25%;width:81.5%;height:6.66%'=
><span
 style=3D'font-size:93%'>person&#8217;s tax return </span><span style=3D'fo=
nt-size:
 93%;display:none'><i>&#13;</i></span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"90 50 0";mso-margin-left-alt:288;
 position:absolute;top:61.0%;left:5.25%;width:86.5%;height:6.66%'><span
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span
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0C82;
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><span
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 style=3D'position:absolute;top:75.66%;left:2.0%;width:94.75%;height:4.0%'>=
<span
 style=3D'font-family:Tahoma;font-size:89%'><b>*Section 152 of the Internal
 Revenue Code excludes spouses from the </b></span></span><span
 style=3D'position:absolute;top:79.33%;left:7.0%;width:84.75%;height:4.0%'>=
<span
 style=3D'font-family:Tahoma;font-size:89%'><b>definition of dependent. </b=
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0.75%;
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 <div v:shape=3D"_x0000_s623619" class=3DO>
 <div style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:142'><span
 style=3D'position:absolute;top:71.0%;left:12.75%;width:87.25%;height:4.0%'=
><b>*</b><span
 style=3D'font-size:89%'><b>Check with your insurance provider to determine=
 if
 your plan meets </b></span></span><span style=3D'position:absolute;top:75.=
0%;
 left:15.25%;width:73.25%;height:3.66%'><span style=3D'font-size:89%'><b>th=
e High
 Deductible Health Plan requirements.&#13;</b></span></span></div>
 <div style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:142;position=
:absolute;
 top:79.0%;left:12.75%;width:75.75%;height:1.33%'><span style=3D'font-size:=
28%;
 display:none'><b>&#13;</b></span></div>
 <div style=3D'mso-line-spacing:"100 50 0";mso-margin-left-alt:142'><span
 style=3D'position:absolute;top:82.0%;left:12.75%;width:85.0%;height:3.66%'=
><span
 style=3D'font-size:89%'><b>**Qualifying deductible ranges are limited by t=
he </b></span><span
 style=3D'font-size:89%'><b><u>Maximum Out-Of-</u></b></span></span><span
 style=3D'position:absolute;top:85.33%;left:15.25%;width:73.25%;height:3.66=
%'><span
 style=3D'font-size:89%'><b><u>Pocket</u></b></span><span style=3D'font-siz=
e:89%'><b>
 expenses allowed.</b></span></span></div>
 </div>
 <div v:shape=3D"_x0000_s623639" class=3DT style=3D'tab-stops:6.3142in'><sp=
an
 style=3D'position:absolute;top:-.33%;left:3.5%;width:90.75%;height:8.66%'>=
What
 is a qualified high-deductible <br>
  </span><span style=3D'position:absolute;top:6.66%;left:3.5%;width:90.75%;
 height:8.66%'>health plan (HDHP)?</span></div>
 <div v:shape=3D"_x0000_s623785">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:62.33%;left:63.24%;width:23.25%;height:4.33%'><span style=3D'font-size=
:69%'><b>$11,600</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623783">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:62.33%;left:39.5%;width:22.25%;height:4.33%'><span style=3D'font-size:=
69%'><b>$5,800</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623781">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:60.33%;left:11.75%;width:25.75%;height:4.33%'><span style=3D'font-size=
:69%'><b>Max.
 Out of </b></span></span><span style=3D'position:absolute;top:64.33%;left:=
11.75%;
 width:25.75%;height:4.33%'><span style=3D'font-size:69%'><b>Pocket**</b></=
span></span></div>
 </div>
 <div v:shape=3D"_x0000_s623776">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:45.66%;left:63.24%;width:23.25%;height:4.33%'><span style=3D'font-size=
:69%;
 color:white;mso-color-index:0'><b>Family</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623774">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:45.66%;left:39.5%;width:22.25%;height:4.33%'><span style=3D'font-size:=
69%;
 color:white;mso-color-index:0'><b>Single</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623772">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:45.66%;left:11.75%;width:25.75%;height:4.33%'><span style=3D'font-size=
:69%;
 color:white;mso-color-index:0'><b>For 2009</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623769">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:38.33%;left:63.24%;width:23.25%;height:4.33%'><span style=3D'font-size=
:69%'><b>$11,200</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623767">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:38.33%;left:39.5%;width:22.25%;height:4.33%'><span style=3D'font-size:=
69%'><b>$5,600</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623765">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:36.33%;left:11.75%;width:25.75%;height:4.33%'><span style=3D'font-size=
:69%'><b>Max.
 Out of </b></span></span><span style=3D'position:absolute;top:40.33%;left:=
11.75%;
 width:25.75%;height:4.33%'><span style=3D'font-size:69%'><b>Pocket**</b></=
span></span></div>
 </div>
 <div v:shape=3D"_x0000_s623761">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:53.0%;left:63.24%;width:23.25%;height:4.33%'><span style=3D'font-size:=
69%'><b>$2,300</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623759">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:53.0%;left:39.5%;width:22.25%;height:4.33%'><span style=3D'font-size:6=
9%'><b>$1,150</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623757">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:51.0%;left:11.75%;width:25.75%;height:4.33%'><span style=3D'font-size:=
69%'><b>Minimum
 </b></span></span><span style=3D'position:absolute;top:55.0%;left:11.75%;
 width:25.75%;height:4.33%'><span style=3D'font-size:69%'><b>Deductible*</b=
></span></span></div>
 </div>
 <div v:shape=3D"_x0000_s623682">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:28.99%;left:63.24%;width:23.25%;height:4.33%'><span style=3D'font-size=
:69%'><b>$2,200</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623681">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:28.99%;left:39.5%;width:22.25%;height:4.33%'><span style=3D'font-size:=
69%'><b>$1,100</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623680">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:27.0%;left:11.75%;width:25.75%;height:4.33%'><span style=3D'font-size:=
69%'><b>Minimum
 </b></span></span><span style=3D'position:absolute;top:31.0%;left:11.75%;
 width:25.75%;height:4.33%'><span style=3D'font-size:69%'><b>Deductible*</b=
></span></span></div>
 </div>
 <div v:shape=3D"_x0000_s623679">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:21.66%;left:63.24%;width:23.25%;height:4.33%'><span style=3D'font-size=
:69%;
 color:white;mso-color-index:0'><b>Family</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623678">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:21.66%;left:39.5%;width:22.25%;height:4.33%'><span style=3D'font-size:=
69%;
 color:white;mso-color-index:0'><b>Single</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s623677">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:21.66%;left:11.75%;width:25.75%;height:4.33%'><span style=3D'font-size=
:69%;
 color:white;mso-color-index:0'><b>For 2008</b></span></div>
 </div>
</p:slide></div>

</body>

</html>

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.33%;
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ept</div>
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ine-spacing:
 "100 50 0";position:absolute;top:23.0%;left:16.0%;width:51.5%;height:3.33%=
'><span
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 style=3D'mso-spacerun:yes'>&nbsp; </span>High Deductible Health Plan</b></=
span></div>
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ute;
 top:57.33%;left:21.75%;width:41.5%;height:1.0%'><span style=3D'font-size:1=
7%;
 color:white;mso-color-index:0;display:none'><b>&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"100 50 0";position:absol=
ute;
 top:60.0%;left:21.75%;width:41.5%;height:3.33%'><span style=3D'font-size:8=
3%;
 color:white;mso-color-index:0'><b>Part 2:<span style=3D'mso-spacerun:yes'>=
&nbsp;
 </span>Health Savings Account&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"100 50 0";position:absol=
ute;
 top:65.0%;left:21.75%;width:41.5%;height:3.33%'><span style=3D'font-size:8=
3%;
 color:white;mso-color-index:0;display:none'><b>&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"100 50 0";position:absol=
ute;
 top:70.33%;left:21.75%;width:41.5%;height:4.33%'><span style=3D'font-size:=
111%;
 color:white;mso-color-index:0;display:none'><b>&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"100 50 0";position:absol=
ute;
 top:76.33%;left:21.75%;width:41.5%;height:2.66%'><span style=3D'font-size:=
67%;
 color:white;mso-color-index:0;display:none'><b>&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"100 50 0";position:absol=
ute;
 top:80.33%;left:21.75%;width:41.5%;height:2.66%'><span style=3D'font-size:=
67%;
 color:white;mso-color-index:0;display:none'><b>&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"100 50 0";position:absol=
ute;
 top:84.33%;left:19.0%;width:47.5%;height:2.66%'><span style=3D'font-size:6=
7%;
 color:white;mso-color-index:0'><b>Made by: Employer, Employee, and/or other
 party</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708616" class=3DO style=3D'text-align:center;mso-l=
ine-spacing:
 "100 50 0"'><span style=3D'position:absolute;top:47.0%;left:3.5%;width:11.=
5%;
 height:4.0%'><b>HSA </b></span><span style=3D'position:absolute;top:51.0%;
 left:3.25%;width:12.25%;height:4.0%'><b>Concept</b></span></div>
 <div v:shape=3D"_x0000_s708620" class=3DO style=3D'text-align:center;mso-l=
ine-spacing:
 "100 50 0"'><span style=3D'position:absolute;top:35.33%;left:80.25%;width:=
17.5%;
 height:3.66%'><span style=3D'font-size:89%'><b>Intended to </b></span></sp=
an><span
 style=3D'position:absolute;top:39.0%;left:80.0%;width:17.5%;height:3.66%'>=
<span
 style=3D'font-size:89%'><b>cover serious </b></span></span><span
 style=3D'position:absolute;top:42.33%;left:78.75%;width:20.0%;height:3.66%=
'><span
 style=3D'font-size:89%'><b>illness or injury</b></span></span></div>
 <div v:shape=3D"_x0000_s708622">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:47.33%;left:51.5%;width:9.5%;height:2.66%'><span style=3D'font-size:42=
%'><b>$2,300</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708623">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:47.33%;left:41.75%;width:7.75%;height:2.66%'><span style=3D'font-size:=
42%'><b>$1,150</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708624">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:47.0=
%;
 left:23.5%;width:16.5%;height:.66%'><span style=3D'font-size:4%;display:no=
ne'><b>&#13;</b></span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:47.6=
6%;
 left:23.5%;width:16.5%;height:2.66%'><span style=3D'font-size:42%'><b>Min.
 Deductible</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708625">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:52.0%;left:51.5%;width:9.5%;height:2.66%'><span style=3D'font-size:42%=
'><b>$11,600</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708626">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:52.0%;left:41.75%;width:7.75%;height:2.66%'><span style=3D'font-size:4=
2%'><b>$5,800</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708627">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:51.6=
6%;
 left:23.5%;width:16.5%;height:.66%'><span style=3D'font-size:4%;display:no=
ne'><b>&#13;</b></span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:52.3=
3%;
 left:23.5%;width:17.75%;height:2.66%'><span style=3D'font-size:42%'><b>Max=
. Out
 of Pocket</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708628">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:43.0%;left:51.5%;width:9.5%;height:2.66%'><span style=3D'font-size:42%;
 color:white;mso-color-index:0'><b>Family</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708629">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:43.0%;left:41.75%;width:7.75%;height:2.66%'><span style=3D'font-size:4=
2%;
 color:white;mso-color-index:0'><b>Single</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708630">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:43.0%;left:23.5%;width:16.5%;height:2.66%'><span style=3D'font-size:42=
%;
 color:white;mso-color-index:0'><b>For 2009</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708631">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:38.66%;left:51.5%;width:9.5%;height:2.66%'><span style=3D'font-size:42=
%'><b>$11,200</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708632">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:38.66%;left:41.75%;width:7.75%;height:2.66%'><span style=3D'font-size:=
42%'><b>$5,600</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708633">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:38.3=
3%;
 left:23.5%;width:16.5%;height:.66%'><span style=3D'font-size:4%;display:no=
ne'><b>&#13;</b></span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:39.0=
%;
 left:23.5%;width:17.75%;height:2.66%'><span style=3D'font-size:42%'><b>Max=
. Out
 of Pocket</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708634">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:34.33%;left:51.5%;width:9.5%;height:2.66%'><span style=3D'font-size:42=
%'><b>$2,200</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708635">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:34.33%;left:41.75%;width:7.75%;height:2.66%'><span style=3D'font-size:=
42%'><b>$1,100</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708636">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:34.0=
%;
 left:23.5%;width:16.5%;height:.66%'><span style=3D'font-size:4%;display:no=
ne'><b>&#13;</b></span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:34.6=
6%;
 left:23.5%;width:16.5%;height:2.66%'><span style=3D'font-size:42%'><b>Min.
 Deductible</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708637">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
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 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
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2%;
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
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 <div v:shape=3D"_x0000_s708653">
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2%;
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:absolute;
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%;
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 <div v:shape=3D"_x0000_s708655">
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 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
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2%'><b>$5,800</b></span></div>
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
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6%;
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 </div>
 <div v:shape=3D"_x0000_s708658">
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
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 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:78.0=
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 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:78.6=
6%;
 left:23.5%;width:16.75%;height:2.66%'><span style=3D'font-size:42%'><b>Max.
 Contribution</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s708661">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
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0.0%;
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an><span
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</p:slide>
</div>

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an
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What
 is included in <br>
  </span><span style=3D'position:absolute;top:6.33%;left:3.5%;width:90.75%;
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33%'><span
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span
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 <div style=3D'position:absolute;top:31.0%;left:8.5%;width:35.75%;height:5.=
33%'><span
 style=3D'position:absolute;top:0%;left:10.48%;width:89.51%;height:100.0%'>=
<span
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0C82;
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n><span
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.33%'><span
 style=3D'position:absolute;top:0%;left:10.48%;width:89.51%;height:100.0%'>=
<span
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0C82;
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n><span
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 <div style=3D'position:absolute;top:42.66%;left:8.5%;width:35.75%;height:5=
.33%'><span
 style=3D'position:absolute;top:0%;left:10.48%;width:89.51%;height:100.0%'>=
<span
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0C82;
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n><span
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<span
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.28%;
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></div>
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 <div style=3D'position:absolute;top:24.0%;left:46.75%;width:43.0%;height:5=
.33%'><span
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span
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5.33%'><span
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0C82;
 position:absolute;left:-8.47%;font-family:Wingdings'>&Oslash;</span></span=
><span
 style=3D'font-size:85%'>Payment of or penalties for </span></span><span
 style=3D'position:absolute;top:34.66%;left:50.5%;width:41.75%;height:5.33%=
'><span
 style=3D'font-size:85%'>a service not pre-certified&#13;</span></span><span
 style=3D'position:absolute;top:40.66%;left:50.5%;width:44.25%;height:5.33%=
'><span
 style=3D'font-size:85%'><span style=3D'mso-special-format:bullet;color:#55=
0C82;
 position:absolute;left:-8.47%;font-family:Wingdings'>&Oslash;</span></span=
><span
 style=3D'font-size:85%'>Payment to or penalties for </span></span><span
 style=3D'position:absolute;top:45.33%;left:50.5%;width:39.25%;height:5.33%=
'><span
 style=3D'font-size:85%'>non-network providers&#13;</span></span><span
 style=3D'position:absolute;top:51.33%;left:50.5%;width:39.75%;height:5.33%=
'><span
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0C82;
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><span
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 style=3D'position:absolute;top:56.33%;left:50.5%;width:40.5%;height:5.33%'=
><span
 style=3D'font-size:85%'>customary, &amp; reasonable </span></span><span
 style=3D'position:absolute;top:61.0%;left:50.5%;width:39.25%;height:5.33%'=
><span
 style=3D'font-size:85%'>amounts &#13;</span></span><span style=3D'position=
:absolute;
 top:67.0%;left:50.5%;width:39.25%;height:5.33%'><span style=3D'font-size:8=
5%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-9=
.55%;
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>Amounts
 for ineligible </span></span><span style=3D'position:absolute;top:71.66%;
 left:50.5%;width:39.25%;height:5.33%'><span style=3D'font-size:85%'>expens=
es</span></span></div>
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.0%;
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SA<span
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2.33%;
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.27%;
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>Funds
 roll over from year to year&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"85 20 0";position:absolute;top:=
27.0%;
 left:9.25%;width:86.5%;height:4.33%'><span style=3D'position:absolute;
 top:0%;left:3.75%;width:96.53%;height:100.0%'><span style=3D'font-size:69%=
'><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-3=
.89%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:69%'=
>Eliminates
 the &#8220;use it or lose it&#8221; philosophy&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"85 20 0";position:absolute;top:3=
1.33%;
 left:4.25%;width:91.5%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:4.09%;width:95.9%;height:100.0%'><span style=3D'font-size:67%'=
><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-4=
.27%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:67%'=
>Tax
 benefits on contributions, earnings, and distributions&#13;</span></span><=
/div>
 <div class=3DB style=3D'mso-line-spacing:"85 20 0";position:absolute;top:3=
6.0%;
 left:4.25%;width:91.5%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:4.09%;width:95.9%;height:100.0%'><span style=3D'font-size:67%'=
><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-4=
.27%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:67%'=
>Portability&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"85 20 0";position:absolute;top:=
40.33%;
 left:9.25%;width:86.5%;height:4.33%'><span style=3D'position:absolute;
 top:0%;left:3.75%;width:96.53%;height:100.0%'><span style=3D'font-size:69%=
'><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-3=
.89%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:69%'=
>Funds
 go with you if you leave an employer or health plan &#13;</span></span></d=
iv>
 <div class=3DB1 style=3D'mso-line-spacing:"85 20 0"'><span style=3D'positi=
on:absolute;
 top:44.66%;left:12.5%;width:99.5%;height:4.33%'><span style=3D'font-size:6=
9%'><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-3=
.26%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:69%'=
>Funds
 are always tax-free when used for qualifying medical expenses even </span>=
</span><span
 style=3D'position:absolute;top:48.0%;left:12.5%;width:83.5%;height:4.33%'>=
<span
 style=3D'font-size:69%'>if qualifying HDHP coverage ends <span style=3D'ms=
o-tab-count:
 2;width:17.13%'> </span>&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"85 20 0";position:absolute;top:5=
2.33%;
 left:4.25%;width:91.5%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:4.09%;width:95.9%;height:100.0%'><span style=3D'font-size:67%'=
><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-4=
.27%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:67%'=
>Long-term
 investment opportunity&#13;</span></span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"90 20 0"'><span style=3D'positi=
on:absolute;
 top:56.99%;left:16.25%;width:92.0%;height:4.33%'><span style=3D'font-size:=
82%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-2=
.71%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:82%'=
>Investment
 products are </span><span style=3D'font-size:82%'><i>not</i></span><span
 style=3D'font-size:82%'> FDIC insured, are not a deposit or other </span><=
/span><span
 style=3D'position:absolute;top:60.66%;left:16.25%;width:94.5%;height:4.33%=
'><span
 style=3D'font-size:82%'>obligation of or guaranteed by the bank, and are s=
ubject
 to investment </span></span><span style=3D'position:absolute;top:64.33%;
 left:16.25%;width:81.0%;height:4.33%'><span style=3D'font-size:82%'>risks
 including possible loss of the principal amount invested.</span><span
 style=3D'font-size:82%'><b> </b></span><span style=3D'font-size:77%;displa=
y:none'>&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"85 20 0";position:absolute;top:6=
8.66%;
 left:4.25%;width:109.0%;height:4.66%'><span style=3D'position:absolute;
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'><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-3=
.56%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:67%'=
>You
 control your healthcare dollars and decide when to withdraw funds</span></=
span></div>
 </div>
</p:slide></div>

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asic
 HSA Concept<br>
  </span><span style=3D'position:absolute;top:9.33%;left:4.25%;width:87.5%;
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.33%;
 left:3.5%;width:90.75%;height:8.66%;tab-stops:6.3142in'>Maximum Annual
 Contributions</div>
 <div v:shape=3D"_x0000_s709635">
 <div class=3DB style=3D'mso-line-spacing:"100 0 0";position:absolute;top:2=
3.0%;
 left:3.5%;width:88.25%;height:6.0%'><span style=3D'position:absolute;top:0=
%;
 left:4.24%;width:95.75%;height:100.0%'><span style=3D'font-size:87%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.43%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:87%'=
>Are
 determined by the IRS</span><span style=3D'font-size:80%;display:none'>&#1=
3;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"100 0 0";position:absolute;top:=
28.66%;
 left:8.5%;width:91.5%;height:4.66%'><span style=3D'position:absolute;top:0=
%;
 left:3.55%;width:96.44%;height:100.0%'><span style=3D'font-size:77%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.68%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>$2,900
 for individual or $5,800 for family coverage for 2008&#13;</span></span></=
div>
 <div class=3DB1 style=3D'mso-line-spacing:"100 0 0";position:absolute;top:=
33.0%;
 left:8.5%;width:91.5%;height:4.66%'><span style=3D'position:absolute;top:0=
%;
 left:3.55%;width:96.44%;height:100.0%'><span style=3D'font-size:77%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.68%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>$3,000
 for individual or $5,950 for family coverage for 2009&#13;</span></span></=
div>
 <div class=3DB style=3D'mso-line-spacing:"100 0 0"'><span style=3D'positio=
n:absolute;
 top:37.66%;left:7.24%;width:99.25%;height:6.0%'><span style=3D'font-size:8=
7%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.77%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:87%'=
>Can
 be made during the calendar year and until the </span></span><span
 style=3D'position:absolute;top:43.33%;left:7.24%;width:98.0%;height:6.0%'>=
<span
 style=3D'font-size:87%'>tax return due date of April 15</span><span
 style=3D'font-size:57%;position:relative;top:-.45em;mso-text-raise:30%'>th=
</span><span
 style=3D'font-size:87%'><span style=3D'mso-spacerun:yes'>&nbsp;</span>the
 following year.&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"100 50 0"'><span style=3D'positi=
on:absolute;
 top:52.0%;left:7.24%;width:88.75%;height:6.0%'><span style=3D'font-size:87=
%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.22%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:87%'=
>Do
 not need to be prorated based on the date </span></span><span
 style=3D'position:absolute;top:57.66%;left:7.24%;width:84.5%;height:6.0%'>=
<span
 style=3D'font-size:87%'>coverage began&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"100 0 0";position:absolute;top:=
63.66%;
 left:8.5%;width:98.75%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:3.29%;width:96.7%;height:100.0%'><span style=3D'font-size:77%'=
><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.4%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>Some
 restrictions apply (examples provided on the next 2 slides)&#13;</span></s=
pan></div>
 <div class=3DB style=3D'mso-line-spacing:"100 0 0";position:absolute;top:6=
8.0%;
 left:3.5%;width:88.25%;height:4.66%'><span style=3D'position:absolute;
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 visibility:hidden'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-4.43%;font-family:Wingdings'>&Oslash;</span></span=
><span
 style=3D'font-size:67%;mso-special-format:lastCR;display:none'>&#13;</span=
></span></div>
 </div>
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0 0"'><span
 style=3D'position:absolute;top:79.66%;left:8.5%;width:83.25%;height:4.0%'>=
<span
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></div>
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 <div class=3DHB style=3D'mso-line-spacing:"90 20 0"'><span style=3D'positi=
on:absolute;
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4%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.05%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:104%=
'>If
 HDHP coverage begins after January 1</span><span style=3D'font-size:69%;
 position:relative;top:-.45em;mso-text-raise:30%'>st</span><span
 style=3D'font-size:104%'><span style=3D'mso-spacerun:yes'>&nbsp;</span>in =
a </span></span><span
 style=3D'position:absolute;top:27.66%;left:8.0%;width:92.25%;height:6.33%'=
><span
 style=3D'font-size:104%'>given year, contributions no longer need to be </=
span></span><span
 style=3D'position:absolute;top:33.0%;left:8.0%;width:91.5%;height:6.33%'><=
span
 style=3D'font-size:104%'>prorated as long as qualifying HDHP coverage </sp=
an></span><span
 style=3D'position:absolute;top:38.66%;left:8.0%;width:79.5%;height:6.33%'>=
<span
 style=3D'font-size:104%'>continues through December 31</span><span
 style=3D'font-size:69%;position:relative;top:-.45em;mso-text-raise:30%'>st=
 </span><span
 style=3D'font-size:104%'>of the </span></span><span style=3D'position:abso=
lute;
 top:44.0%;left:8.0%;width:79.5%;height:6.33%'><span style=3D'font-size:104=
%'>following
 year.&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-line-spacing:"90 20 0"'><span style=3D'posit=
ion:absolute;
 top:50.33%;left:12.5%;width:83.5%;height:5.33%'><span style=3D'mso-special=
-format:
 bullet;color:#550C82;position:absolute;left:-3.89%;font-family:Wingdings'>=
&Oslash;</span>Exception--Those
 who change from family to single </span><span style=3D'position:absolute;
 top:54.66%;left:12.5%;width:81.5%;height:5.33%'>plans will need to prorate
 based on the number of </span><span style=3D'position:absolute;top:59.33%;
 left:12.5%;width:75.0%;height:5.33%'>months under each type of coverage&#1=
3;</span></div>
 <div class=3DHB1 style=3D'mso-line-spacing:"20 20 0";position:absolute;top=
:61.66%;
 left:9.25%;width:78.25%;height:5.33%'><span style=3D'mso-special-format:no=
bullet;
 display:none;color:#550C82;font-family:Wingdings'>&sect;</span><span
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ine-spacing:
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33%'><span
 style=3D'font-size:106%'><b><i>Excess contributions will be subject to inc=
ome
 tax and a tax penalty.</i></b></span></div>
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   <v:stroke endcap=3D"square" imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><v:line id=3D"_x0000_s711768" style=3D'position:absolute' from=
=3D"192,960"
   to=3D"192,2985" strokecolor=3D"black [1]" strokeweight=3D"2.25pt">
   <v:stroke endcap=3D"square" imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><v:line id=3D"_x0000_s711769" style=3D'position:absolute' from=
=3D"988,960"
   to=3D"988,2985" strokecolor=3D"black [1]" strokeweight=3D"1pt">
   <v:stroke imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><v:line id=3D"_x0000_s711770" style=3D'position:absolute' from=
=3D"1733,960"
   to=3D"1733,2985" strokecolor=3D"black [1]" strokeweight=3D"1pt">
   <v:stroke imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><v:line id=3D"_x0000_s711771" style=3D'position:absolute' from=
=3D"2579,960"
   to=3D"2579,2985" strokecolor=3D"black [1]" strokeweight=3D"1pt">
   <v:stroke imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><v:line id=3D"_x0000_s711772" style=3D'position:absolute' from=
=3D"5712,960"
   to=3D"5712,2985" strokecolor=3D"black [1]" strokeweight=3D"2.25pt">
   <v:stroke endcap=3D"square" imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><v:line id=3D"_x0000_s711773" style=3D'position:absolute' from=
=3D"192,2193"
   to=3D"5712,2193" strokecolor=3D"black [1]" strokeweight=3D"1pt">
   <v:stroke imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><v:line id=3D"_x0000_s711774" style=3D'position:absolute' from=
=3D"4369,960"
   to=3D"4369,2985" strokecolor=3D"black [1]" strokeweight=3D"1pt">
   <v:stroke imagealignshape=3D"f"/>
   <v:shadow color=3D"gray [2]"/>
  </v:line><p:placeholder type=3D"object" position=3D"1"/></v:group><![if !=
vml]><img
 border=3D0
 v:shapes=3D"_x0000_s711777,_x0000_s711738,_x0000_s711739,_x0000_s711740,_x=
0000_s711741,_x0000_s711742,_x0000_s711743,_x0000_s711744,_x0000_s711745,_x=
0000_s711746,_x0000_s711747,_x0000_s711748,_x0000_s711749,_x0000_s711750,_x=
0000_s711751,_x0000_s711752,_x0000_s711753,_x0000_s711754,_x0000_s711755,_x=
0000_s711756,_x0000_s711757,_x0000_s711758,_x0000_s711759,_x0000_s711760,_x=
0000_s711761,_x0000_s711762,_x0000_s711763,_x0000_s711764,_x0000_s711765,_x=
0000_s711766,_x0000_s711767,_x0000_s711768,_x0000_s711769,_x0000_s711770,_x=
0000_s711771,_x0000_s711772,_x0000_s711773,_x0000_s711774"
 src=3D"slide0388_image023.gif" style=3D'position:absolute;top:22.0%;left:3=
.25%;
 width:96.5%;height:47.66%'><![endif]>
 <div v:shape=3D"_x0000_s711682" class=3DT style=3D'position:absolute;top:6=
.0%;
 left:3.5%;width:90.75%;height:8.66%;tab-stops:6.3142in'>Prorating Examples=
</div>
 <div v:shape=3D"_x0000_s711721" class=3DO style=3D'text-align:center;mso-l=
ine-spacing:
 "100 50 0"'><span style=3D'position:absolute;top:73.0%;left:-4.5%;width:10=
9.0%;
 height:3.33%'><span style=3D'font-size:78%'><b>*Prorating is required to a=
void
 tax penalties when an individual does not maintain qualifying HDHP </b></s=
pan></span><span
 style=3D'position:absolute;top:76.0%;left:3.5%;width:93.25%;height:3.33%'>=
<span
 style=3D'font-size:78%'><b>coverage through December 31st of the following=
 year.</b></span><span
 style=3D'font-family:Tahoma;font-size:78%;mso-special-format:lastCR;displa=
y:
 none'><b>&#13;</b></span></span></div>
 <div v:shape=3D"_x0000_s711722" class=3DO style=3D'text-align:center;mso-l=
ine-spacing:
 "100 50 0"'><span style=3D'position:absolute;top:83.0%;left:4.25%;width:94=
.5%;
 height:3.33%'><span style=3D'font-family:Tahoma;font-size:72%'><b>(Follow =
the
 same rules for family coverage, but use $5,800 for the 2008 maximum and </=
b></span></span><span
 style=3D'position:absolute;top:85.66%;left:9.25%;width:84.0%;height:3.33%'=
><span
 style=3D'font-family:Tahoma;font-size:72%'><b>$5,950 for the 2009 maximum.=
)</b></span></span></div>
 <div v:shape=3D"_x0000_s711738">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:60.6=
6%;
 left:45.75%;width:29.75%;height:4.0%'><span style=3D'font-size:62%'>$483 (=
2/12
 of 2008 Max)</span></div>
 </div>
 <div v:shape=3D"_x0000_s711739">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:51.3=
3%;
 left:45.75%;width:32.0%;height:4.0%'><span style=3D'font-size:62%'>$1,450 =
(6/12
 of 2008 Max)</span></div>
 </div>
 <div v:shape=3D"_x0000_s711740">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:44.3=
3%;
 left:45.75%;width:29.25%;height:4.0%'><span style=3D'font-size:62%'>$2,900=
 (2008
 Max)</span></div>
 </div>
 <div v:shape=3D"_x0000_s711741">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:37.3=
3%;
 left:45.75%;width:29.25%;height:4.0%'><span style=3D'font-size:62%'>$2,900=
 (2008
 Max)</span></div>
 </div>
 <div v:shape=3D"_x0000_s711742">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:23.0=
%;
 left:45.75%;width:29.25%;height:4.0%'><span style=3D'font-size:62%'>Allowed
 Contribution&#13;</span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:27.3=
3%;
 left:45.75%;width:29.25%;height:4.0%'><span style=3D'font-size:62%'>2008</=
span></div>
 </div>
 <div v:shape=3D"_x0000_s711743">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:60.6=
6%;
 left:76.75%;width:21.5%;height:4.0%'><span style=3D'font-size:62%'>$2,500 =
&#13;</span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:65.0=
%;
 left:76.75%;width:24.5%;height:4.0%'><span style=3D'font-size:62%'>(10/12 =
of
 2009 Max)</span></div>
 </div>
 <div v:shape=3D"_x0000_s711744">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:51.3=
3%;
 left:76.75%;width:21.5%;height:4.0%'><span style=3D'font-size:62%'>$750 &#=
13;</span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:55.6=
6%;
 left:76.75%;width:23.0%;height:4.0%'><span style=3D'font-size:62%'>(3/12 o=
f 2009
 Max)</span></div>
 </div>
 <div v:shape=3D"_x0000_s711745">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:44.3=
3%;
 left:76.75%;width:22.75%;height:4.0%'><span style=3D'font-size:62%'>$3,000=
 (2009
 Max)</span></div>
 </div>
 <div v:shape=3D"_x0000_s711746">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:37.3=
3%;
 left:76.75%;width:21.5%;height:4.0%'><span style=3D'font-size:62%'>$0</spa=
n></div>
 </div>
 <div v:shape=3D"_x0000_s711747">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:23.0%;left:76.75%;width:24.5%;height:4.0%'><span style=3D'font-size:62=
%'>Allowed
 Contribution </span></span><span style=3D'position:absolute;top:26.33%;
 left:76.75%;width:21.5%;height:4.0%'><span style=3D'font-size:62%'>2009</s=
pan></span></div>
 </div>
 <div v:shape=3D"_x0000_s711748">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:44.3=
3%;
 left:31.0%;width:14.0%;height:4.0%'><span style=3D'font-size:62%'>12/31/20=
09</span></div>
 </div>
 <div v:shape=3D"_x0000_s711749">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:44.3=
3%;
 left:18.25%;width:11.25%;height:4.0%'><span style=3D'font-size:62%'>7/1/20=
08</span></div>
 </div>
 <div v:shape=3D"_x0000_s711750">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:44.3=
3%;
 left:4.25%;width:12.0%;height:4.0%'><span style=3D'font-size:62%'>Individu=
al</span></div>
 </div>
 <div v:shape=3D"_x0000_s711751">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:60.6=
6%;
 left:31.0%;width:13.0%;height:4.0%'><span style=3D'font-size:62%'>11/1/200=
9</span></div>
 </div>
 <div v:shape=3D"_x0000_s711752">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:60.6=
6%;
 left:18.25%;width:12.5%;height:4.0%'><span style=3D'font-size:62%'>11/1/20=
08</span></div>
 </div>
 <div v:shape=3D"_x0000_s711753">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:60.6=
6%;
 left:4.25%;width:13.25%;height:4.0%'><span style=3D'font-size:62%'>*Indivi=
dual</span><span
 style=3D'font-size:62%;mso-special-format:lastCR;display:none'><b>&#13;</b=
></span></div>
 </div>
 <div v:shape=3D"_x0000_s711754">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:51.3=
3%;
 left:31.0%;width:13.0%;height:4.0%'><span style=3D'font-size:62%'>4/1/2009=
</span></div>
 </div>
 <div v:shape=3D"_x0000_s711755">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:51.3=
3%;
 left:18.25%;width:11.25%;height:4.0%'><span style=3D'font-size:62%'>7/1/20=
08</span></div>
 </div>
 <div v:shape=3D"_x0000_s711756">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:51.3=
3%;
 left:4.25%;width:13.25%;height:4.0%'><span style=3D'font-size:62%'>*Indivi=
dual</span></div>
 </div>
 <div v:shape=3D"_x0000_s711757">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:37.3=
3%;
 left:31.0%;width:14.0%;height:4.0%'><span style=3D'font-size:62%'>12/31/20=
08</span></div>
 </div>
 <div v:shape=3D"_x0000_s711758">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:37.3=
3%;
 left:18.25%;width:11.25%;height:4.0%'><span style=3D'font-size:62%'>1/1/20=
08</span></div>
 </div>
 <div v:shape=3D"_x0000_s711759">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:37.3=
3%;
 left:4.25%;width:12.0%;height:4.0%'><span style=3D'font-size:62%'>Individu=
al </span></div>
 </div>
 <div v:shape=3D"_x0000_s711760">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:23.0=
%;
 left:31.0%;width:13.0%;height:4.0%'><span style=3D'font-size:62%'>Coverage=
 &#13;</span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:27.3=
3%;
 left:31.0%;width:13.0%;height:4.0%'><span style=3D'font-size:62%'>Ends</sp=
an></div>
 </div>
 <div v:shape=3D"_x0000_s711761">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:23.0%;left:18.25%;width:11.25%;height:4.0%'><span style=3D'font-size:6=
2%'>Coverage
 </span></span><span style=3D'position:absolute;top:26.33%;left:18.25%;
 width:11.25%;height:4.0%'><span style=3D'font-size:62%'>Begins</span></spa=
n></div>
 </div>
 <div v:shape=3D"_x0000_s711762">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:540'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:756'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:972'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:23.0=
%;
 left:4.25%;width:12.0%;height:4.0%'><span style=3D'font-size:62%'>Type of&=
#13;</span></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:27.3=
3%;
 left:4.25%;width:12.0%;height:4.0%'><span style=3D'font-size:62%'>Coverage=
</span></div>
 </div>
</p:slide></div>

</body>

</html>

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.33%;
 left:3.5%;width:95.75%;height:8.33%;tab-stops:6.3142in'><span
 style=3D'font-size:94%'>Additional HSA Funding Option</span></div>
 <div v:shape=3D"_x0000_s690179">
 <div class=3DB style=3D'mso-line-spacing:"100 0 0"'><span style=3D'positio=
n:absolute;
 top:21.66%;left:9.0%;width:100.0%;height:7.0%'><span style=3D'mso-special-=
format:
 bullet;color:#550C82;position:absolute;left:-3.75%;font-family:Wingdings'>=
&Oslash;</span>IRA
 funds may be rolled to an HSA on a one-</span><span style=3D'position:abso=
lute;
 top:28.33%;left:9.0%;width:87.0%;height:7.0%'>time basis&#13;</span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"100 0 0";position:absolute;top:=
35.0%;
 left:10.25%;width:94.5%;height:6.0%'><span style=3D'position:absolute;
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'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.28%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:96%'=
>Subject
 to the annual HSA contribution maximum&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"100 0 0";position:absolute;top:=
40.66%;
 left:10.25%;width:85.75%;height:6.0%'><span style=3D'position:absolute;
 top:0%;left:3.49%;width:96.2%;height:100.0%'><span style=3D'font-size:96%'=
><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.63%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:96%'=
>Only
 traditional IRAs qualify at this time&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"100 0 0"'><span style=3D'positi=
on:absolute;
 top:46.33%;left:13.25%;width:88.5%;height:6.0%'><span style=3D'font-size:9=
6%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.38%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:96%'=
>Individuals
 must remain covered by a qualifying </span></span><span style=3D'position:=
absolute;
 top:51.66%;left:13.25%;width:95.75%;height:6.0%'><span style=3D'font-size:=
96%'>HDHP
 until the last day of the 12th month following </span></span><span
 style=3D'position:absolute;top:57.33%;left:13.25%;width:82.5%;height:6.0%'=
><span
 style=3D'font-size:96%'>the month of rollover to avoid tax penalties&#13;<=
/span></span></div>
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63.0%;
 left:10.25%;width:85.75%;height:6.0%'><span style=3D'mso-special-format:no=
bullet;
 display:none;color:purple;font-family:Wingdings'>&sect;</span><span
 style=3D'font-size:96%;mso-special-format:lastCR;display:none'>&#13;</span=
></div>
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ine-spacing:
 "100 50 0"'><span style=3D'position:absolute;top:76.33%;left:3.75%;width:9=
3.5%;
 height:3.66%'><span style=3D'font-family:Tahoma;font-size:83%'><b>*Always
 consult your tax advisor, and/or the IRS for details and reporting </b></s=
pan></span><span
 style=3D'position:absolute;top:79.66%;left:4.25%;width:92.5%;height:3.66%'=
><span
 style=3D'font-family:Tahoma;font-size:83%'><b>requirements in regard to
 taxation, fund rollovers and<span style=3D'mso-spacerun:yes'>&nbsp; </span=
>other
 stipulations.</b></span></span></div>
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e id=3D"_x0000_s676885"
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h:642pt;
  height:170.875pt' filled=3D"f" fillcolor=3D"#fc6 [4]" stroked=3D"f" strok=
ecolor=3D"black [1]">
  <v:fill color2=3D"white [0]"/>
  <v:shadow color=3D"gray [2]"/>
  <v:textbox style=3D'mso-fit-shape-to-text:t'/>
 </v:shape><![if !vml]><img border=3D0
 v:shapes=3D"_x0000_s676886,_x0000_s676869,_x0000_s676870,_x0000_s676871,_x=
0000_s676872,_x0000_s676875,_x0000_s676876,_x0000_s676877,_x0000_s676878,_x=
0000_s676879,_x0000_s676880,_x0000_s676881,_x0000_s676882,_x0000_s676884"
 src=3D"slide0364_image024.gif" style=3D'position:absolute;top:30.66%;left:=
54.5%;
 width:40.0%;height:18.0%'><![endif]>
 <div v:shape=3D"_x0000_s676866" class=3DT style=3D'position:absolute;top:6=
.33%;
 left:4.25%;width:90.0%;height:8.33%;tab-stops:6.3142in'><span
 style=3D'font-size:94%'>What is the catch-up contribution?</span></div>
 <div v:shape=3D"_x0000_s676867" class=3DO style=3D'mso-line-spacing:"100 5=
0 0"'><span
 style=3D'position:absolute;top:28.33%;left:8.5%;width:41.25%;height:4.66%'=
><span
 style=3D'font-family:Tahoma;font-size:111%'><b>Individuals who have an </b=
></span></span><span
 style=3D'position:absolute;top:33.0%;left:8.5%;width:41.0%;height:4.66%'><=
span
 style=3D'font-family:Tahoma;font-size:111%'><b>HSA, are age 55 or older </=
b></span></span><span
 style=3D'position:absolute;top:37.33%;left:8.5%;width:39.0%;height:4.66%'>=
<span
 style=3D'font-family:Tahoma;font-size:111%'><b>and are not enrolled in </b=
></span></span><span
 style=3D'position:absolute;top:41.66%;left:8.5%;width:39.0%;height:4.66%'>=
<span
 style=3D'font-family:Tahoma;font-size:111%'><b>Medicare A or B are </b></s=
pan></span><span
 style=3D'position:absolute;top:46.33%;left:8.5%;width:45.0%;height:4.66%'>=
<span
 style=3D'font-family:Tahoma;font-size:111%'><b>qualified to make catch-up =
</b></span></span><span
 style=3D'position:absolute;top:50.66%;left:8.5%;width:39.0%;height:4.66%'>=
<span
 style=3D'font-family:Tahoma;font-size:111%'><b>contributions.</b></span><s=
pan
 style=3D'font-family:Tahoma;font-size:111%;mso-special-format:lastCR;displ=
ay:
 none'>&#13;</span></span></div>
 <div v:shape=3D"_x0000_s676869">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:43.33%;left:67.25%;width:26.0%;height:3.66%'><span style=3D'font-size:=
58%'><b>$1,000</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s676870">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:43.3=
3%;
 left:55.75%;width:9.75%;height:3.66%'><span style=3D'font-size:58%'><b>200=
9+</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s676871">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:38.0%;left:67.25%;width:26.0%;height:3.66%'><span style=3D'font-size:5=
8%'><b>$900</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s676872">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:38.0=
%;
 left:55.75%;width:9.75%;height:3.66%'><span style=3D'font-size:58%'><b>200=
8</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s676875">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:31.6=
6%;
 left:67.25%;width:29.5%;height:4.66%'><span style=3D'font-size:77%;color:w=
hite;
 mso-color-index:0'><b>Catch-up Amount</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s676876">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:31.6=
6%;
 left:55.75%;width:9.75%;height:4.66%'><span style=3D'font-size:77%;color:w=
hite;
 mso-color-index:0'><b>Year</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s676885" class=3DO>
 <div style=3D'mso-line-spacing:"100 50 0"'><span style=3D'position:absolut=
e;
 top:63.0%;left:6.0%;width:104.0%;height:3.66%'><span style=3D'font-size:89=
%;
 color:#16422C'><b>-If a husband and wife are both qualified to make catch-=
up
 contributions, they can </b></span></span><span style=3D'position:absolute;
 top:66.66%;left:6.0%;width:87.5%;height:3.66%'><span style=3D'font-size:89=
%;
 color:#16422C'><b>both do so if they </b></span><span style=3D'font-size:8=
9%;
 color:#16422C'><b><i>each</i></b></span><span style=3D'font-size:89%;color=
:#16422C'><b>
 have an HSA.&#13;</b></span></span></div>
 <div style=3D'mso-line-spacing:"100 50 0";position:absolute;top:72.0%;
 left:6.0%;width:103.75%;height:3.66%'><span style=3D'font-size:89%;color:#=
16422C'><b>-Contributions
 need not be prorated based on when in the year a person turns 55.&#13;</b>=
</span></div>
 <div style=3D'mso-line-spacing:"100 50 0"'><span style=3D'position:absolut=
e;
 top:77.33%;left:6.0%;width:101.0%;height:3.66%'><span style=3D'font-size:8=
9%;
 color:#16422C'><b>-Catch-up contributions must be prorated if you are not
 covered by a qualifying </b></span></span><span style=3D'position:absolute;
 top:81.0%;left:6.0%;width:104.25%;height:3.66%'><span style=3D'font-size:8=
9%;
 color:#16422C'><b>HDHP on December 1</b></span><span style=3D'font-size:59=
%;
 color:#16422C;position:relative;top:-.45em;mso-text-raise:30%'><b>st</b></=
span><span
 style=3D'font-size:89%;color:#16422C'><b><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>or you do not maintain coverage th=
rough
 December 31</b></span><span style=3D'font-size:59%;color:#16422C;position:=
relative;
 top:-.45em;mso-text-raise:30%'><b>st</b></span><span style=3D'font-size:89=
%;
 color:#16422C'><b><span style=3D'mso-spacerun:yes'>&nbsp;</span>of </b></s=
pan></span><span
 style=3D'position:absolute;top:84.33%;left:6.0%;width:87.5%;height:3.66%'>=
<span
 style=3D'font-size:89%;color:#16422C'><b>the following year.&#13;</b></spa=
n></span></div>
 <div style=3D'mso-line-spacing:"100 50 0";position:absolute;top:90.0%;
 left:6.0%;width:87.5%;height:3.66%'><span style=3D'font-size:89%;color:#16=
422C;
 mso-special-format:lastCR;display:none'>&#13;</span></div>
 </div>
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y:
 none'><b>&#13;</b></span></div>
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=3D"#_x0000_m626690"
  style=3D'position:absolute;left:36pt;top:108pt;width:654pt;height:378pt'
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.0%;
 left:3.5%;width:90.75%;height:8.66%;tab-stops:6.3142in'>How contributions =
can
 be made</div>
 <div v:shape=3D"_x0000_s622595">
 <div class=3DB style=3D'mso-line-spacing:"75 80 0"'><span style=3D'positio=
n:absolute;
 top:19.66%;left:6.0%;width:89.0%;height:5.33%'><span style=3D'mso-special-=
format:
 nobullet;display:none;color:#550C82;font-family:Wingdings'>&Oslash;</span>=
<span
 style=3D'font-size:73%'>Contributions to an HSA must be made in
 &#8220;cash&#8221;.</span><span style=3D'font-size:70%'><span
 style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
 </span></span></span><span style=3D'position:absolute;top:23.66%;left:9.75=
%;
 width:85.25%;height:4.0%'><span style=3D'font-size:53%'><i>(contributions =
may
 not be made in the form of stock or other property)&#13;</i></span></span>=
</div>
 <div class=3DB style=3D'mso-line-spacing:"90 25 0";position:absolute;top:2=
7.66%;
 left:6.0%;width:89.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:4.21%;width:95.78%;height:100.0%'><span style=3D'font-size:73%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.39%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:73%'=
>Through
 a cafeteria plan</span><span style=3D'font-size:67%'> </span><span
 style=3D'font-size:53%'>(if your employer has one in place)</span><span
 style=3D'font-size:67%;display:none'>&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"90 20 0";position:absolute;top:3=
3.33%;
 left:6.0%;width:89.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:4.21%;width:95.78%;height:100.0%'><span style=3D'font-size:73%'><span
 style=3D'mso-special-format:bullet;color:#4E007A;position:absolute;left:-4=
.39%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:73%'=
>Online
 Contributions</span><span style=3D'font-size:70%'> </span><span
 style=3D'font-size:53%'>(through Internet Banking)&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"90 20 0";position:absolute;top:=
38.33%;
 left:11.0%;width:84.0%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:3.86%;width:96.42%;height:100.0%'><span style=3D'font-size:77%=
'><span
 style=3D'mso-special-format:bullet;color:#4E007A;position:absolute;left:-4=
.01%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>Recurring
 or one-time, as needed&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"90 20 0";position:absolute;top:4=
3.33%;
 left:6.0%;width:89.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:4.21%;width:95.78%;height:100.0%'><span style=3D'font-size:73%'><span
 style=3D'mso-special-format:bullet;color:#4E007A;position:absolute;left:-4=
.39%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:73%'=
>Check&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"90 20 0";position:absolute;top:=
48.66%;
 left:11.0%;width:97.5%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:3.33%;width:96.92%;height:100.0%'><span style=3D'font-size:77%=
'><span
 style=3D'mso-special-format:bullet;color:#4E007A;position:absolute;left:-3=
.43%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>With
 Contribution Form tear-off </span><span style=3D'font-size:50%'>(with each
 statement or download from website)&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"90 20 0";position:absolute;top:=
53.66%;
 left:11.0%;width:84.0%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:3.86%;width:96.42%;height:100.0%'><span style=3D'font-size:77%=
'><span
 style=3D'mso-special-format:bullet;color:#4E007A;position:absolute;left:-4=
.01%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>With
 Deposit Ticket</span><span style=3D'font-size:73%;display:none'>&#13;</spa=
n></span></div>
 <div class=3DB style=3D'mso-line-spacing:"90 25 0";position:absolute;top:5=
9.0%;
 left:6.0%;width:89.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:4.21%;width:95.78%;height:100.0%'><span style=3D'font-size:73%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.39%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:73%'=
>One-time
 rollovers to HSAs from IRAs &#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"90 25 0";position:absolute;top:=
64.33%;
 left:11.0%;width:84.0%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:3.86%;width:96.42%;height:100.0%'><span style=3D'font-size:73%=
'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.01%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:73%'=
>Some
 restrictions apply as previously noted&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"90 25 0";position:absolute;top:6=
9.33%;
 left:6.0%;width:89.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:4.21%;width:95.78%;height:100.0%'><span style=3D'font-size:73%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.39%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:73%'=
>Rollovers
 permitted once every 12 months&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"90 0 0";position:absolute;top:7=
3.66%;
 left:11.0%;width:84.0%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:3.86%;width:96.42%;height:100.0%'><span style=3D'font-size:77%=
'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.01%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>MSA
 to HSA&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"90 0 0";position:absolute;top:7=
7.66%;
 left:11.0%;width:84.0%;height:4.66%'><span style=3D'position:absolute;
 top:0%;left:3.86%;width:96.42%;height:100.0%'><span style=3D'font-size:77%=
'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.01%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>HSA
 to HSA&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"90 25 0";position:absolute;top:8=
3.0%;
 left:6.0%;width:89.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:4.21%;width:95.78%;height:100.0%'><span style=3D'font-size:73%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.39%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:73%'=
>Transfers
 are not limited</span></span></div>
 </div>
</p:slide></div>

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n:absolute;
 top:0%;left:-.25%;width:100.25%;height:19.0%'><![endif]><p:shaperange
  href=3D"master05.xml#_x0000_s626696"/><![if !vml]><img border=3D0
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n:absolute;
 top:90.0%;left:0%;width:100.25%;height:1.66%'><![endif]><p:shaperange
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y:
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.0%;
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 to
 an HSA?</div>
 <div v:shape=3D"_x0000_s678915">
 <div class=3DB style=3D'position:absolute;top:26.33%;left:8.5%;width:35.5%;
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43%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-11.81%;font-family:Wingdings'>&Oslash;</span>Accou=
ntholder
 &#13;</span></div>
 <div class=3DB1 style=3D'position:absolute;top:34.0%;left:13.5%;width:30.0=
%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:10.83%;width:89.=
16%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-12.14%;font-family:Wingdings'>&Oslash;</span>Indiv=
idual&#13;</span></div>
 <div class=3DB1 style=3D'position:absolute;top:41.0%;left:13.5%;width:30.7=
5%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:10.56%;width:89.=
43%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-11.81%;font-family:Wingdings'>&Oslash;</span>Self-=
Employed&#13;</span></div>
 <div class=3DB1 style=3D'position:absolute;top:48.0%;left:13.5%;width:30.0=
%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:10.83%;width:89.=
16%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-12.14%;font-family:Wingdings'>&Oslash;</span>Emplo=
yee
 &#13;</span></div>
 <div class=3DB style=3D'position:absolute;top:54.0%;left:8.5%;width:35.0%;
 height:2.66%'><span style=3D'position:absolute;top:0%;left:10.71%;width:89=
.28%;
 height:100.0%'><span style=3D'font-size:33%;visibility:hidden'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-1=
2.0%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:33%;
 display:none'>&#13;</span></span></div>
 <div class=3DB style=3D'position:absolute;top:57.66%;left:8.5%;width:35.0%;
 height:7.0%'><span style=3D'position:absolute;top:0%;left:10.71%;width:89.=
28%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-12.0%;font-family:Wingdings'>&Oslash;</span>Employ=
er </span></div>
 </div>
 <div v:shape=3D"_x0000_s678916">
 <div class=3DB style=3D'position:absolute;top:26.33%;left:55.25%;width:35.=
0%;
 height:7.0%'><span style=3D'position:absolute;top:0%;left:10.71%;width:89.=
28%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-12.0%;font-family:Wingdings'>&Oslash;</span>Third-=
party<span
 style=3D'font-size:87%'> &#13;</span></span></div>
 <div class=3DB1 style=3D'position:absolute;top:34.0%;left:60.25%;width:32.=
5%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:9.23%;width:90.7=
6%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-10.16%;font-family:Wingdings'>&Oslash;</span>Family
 Member&#13;</span></div>
 <div class=3DB1 style=3D'position:absolute;top:41.0%;left:60.25%;width:30.=
0%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:10.0%;width:89.1=
6%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-11.21%;font-family:Wingdings'>&Oslash;</span>Benef=
iciary&#13;</span></div>
 <div class=3DB1 style=3D'position:absolute;top:48.0%;left:60.25%;width:30.=
0%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:10.0%;width:89.1=
6%;
 height:100.0%'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-11.21%;font-family:Wingdings'>&Oslash;</span>Friend
 &#13;</span></div>
 <div class=3DB1><span style=3D'position:absolute;top:55.0%;left:63.24%;wid=
th:26.75%;
 height:6.0%'><span style=3D'mso-special-format:bullet;color:#550C82;positi=
on:
 absolute;left:-11.21%;font-family:Wingdings'>&Oslash;</span>State </span><=
span
 style=3D'position:absolute;top:60.66%;left:63.24%;width:26.75%;height:6.0%=
'>Government</span></div>
 </div>
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.0%;
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3.0%;
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 width:25.75%;height:4.0%'><span style=3D'color:white;mso-color-index:0'><b=
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0 0"'><span
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<span
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 contributions, it is important to </b></span></span><span style=3D'positio=
n:
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 style=3D'font-size:89%'><b>coordinate in order to avoid excess contributio=
ns and
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ute;
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9%'><b>can
 be contributed through a combination of sources or a single source as long=
 as </b></span></span><span
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<span
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pan></div>
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ine-spacing:
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0 0"'><span
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<span
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ine-spacing:
 "100 50 0"'><span style=3D'position:absolute;top:83.0%;left:15.0%;width:74=
.5%;
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 accounts with different administrators, all </b></span></span><span
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'><span
 style=3D'font-size:78%'><b>contributions count toward the annual contribut=
ion
 maximum.</b></span></span></div>
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 <div style=3D'text-align:center;mso-line-spacing:"100 50 0"'><span
 style=3D'position:absolute;top:40.0%;left:63.5%;width:24.0%;height:5.33%'>=
<span
 style=3D'font-size:133%;color:white;mso-color-index:0'><b>HSA </b></span><=
/span><span
 style=3D'position:absolute;top:45.0%;left:63.5%;width:24.25%;height:5.33%'=
><span
 style=3D'font-size:133%;color:white;mso-color-index:0'><b>Contribution<br>
  </b></span></span><span style=3D'position:absolute;top:50.33%;left:63.5%;
 width:24.0%;height:5.33%'><span style=3D'font-size:133%;color:white;mso-co=
lor-index:
 0'><b>Limits&#13;</b></span></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"90 50 0"'><span
 style=3D'position:absolute;top:56.99%;left:61.5%;width:28.0%;height:3.33%'=
><span
 style=3D'font-size:78%;color:white;mso-color-index:0'><b>Up to the IRS
 determined </b></span></span><span style=3D'position:absolute;top:59.66%;
 left:63.5%;width:24.0%;height:3.33%'><span style=3D'font-size:78%;color:wh=
ite;
 mso-color-index:0'><b>maximums &#13;</b></span></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"55 40 0";position:absolu=
te;
 top:63.0%;left:63.5%;width:24.0%;height:2.66%'><span style=3D'font-size:67=
%;
 color:white;mso-color-index:0'><b><u>For 2008:&#13;</u></b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"55 40 0";position:absolu=
te;
 top:65.33%;left:63.5%;width:24.0%;height:2.66%'><span style=3D'font-size:6=
7%;
 color:white;mso-color-index:0'><b>$2,900 single&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"55 40 0";position:absolu=
te;
 top:68.0%;left:63.5%;width:24.0%;height:2.66%'><span style=3D'font-size:67=
%;
 color:white;mso-color-index:0'><b>$5,800 family</b></span><span
 style=3D'font-size:17%;color:white;mso-color-index:0;display:none'><b>&#13=
;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"55 40 0";position:absolu=
te;
 top:70.33%;left:63.5%;width:24.0%;height:1.0%'><span style=3D'font-size:17=
%;
 color:white;mso-color-index:0;display:none'><b>&#13;</b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"55 40 0";position:absolu=
te;
 top:71.0%;left:63.5%;width:24.0%;height:2.66%'><span style=3D'font-size:67=
%;
 color:white;mso-color-index:0'><b><u>For 2009:&#13;</u></b></span></div>
 <div style=3D'text-align:center;mso-line-spacing:"55 40 0";position:absolu=
te;
 top:73.66%;left:63.5%;width:24.0%;height:2.66%'><span style=3D'font-size:6=
7%;
 color:white;mso-color-index:0'><b><u>$3,000 single&#13;</u></b></span></di=
v>
 <div style=3D'text-align:center;mso-line-spacing:"55 40 0";position:absolu=
te;
 top:76.33%;left:63.5%;width:24.0%;height:2.66%'><span style=3D'font-size:6=
7%;
 color:white;mso-color-index:0'><b><u>$5,950 family</u></b></span></div>
 </div>
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 style=3D'font-family:Tahoma;font-size:67%;mso-field-code:meta16'><b>16</b>=
</span><span
 style=3D'font-family:Tahoma;font-size:67%;mso-special-format:lastCR;displa=
y:
 none'><b>&#13;</b></span></div>
 </div>
 <![endif]><p:shaperange href=3D"master05.xml#_x0000_m626692"/><v:shape id=
=3D"_x0000_s481283"
  type=3D"#_x0000_m626692" style=3D'position:absolute;left:30pt;top:6pt;wid=
th:654pt;
  height:73.625pt' o:userdrawn=3D"f">
  <v:fill o:detectmouseclick=3D"f"/>
  <v:stroke o:forcedash=3D"f"/>
  <o:lock v:ext=3D"edit" text=3D"f"/>
  <p:placeholder type=3D"title"/></v:shape><p:shaperange
  href=3D"master05.xml#_x0000_m626690"/><v:shape id=3D"_x0000_s481285" type=
=3D"#_x0000_m626690"
  style=3D'position:absolute;left:30pt;top:126pt;width:666pt;height:354pt'
  o:userdrawn=3D"f">
  <v:fill o:detectmouseclick=3D"f"/>
  <v:stroke o:forcedash=3D"f"/>
  <o:lock v:ext=3D"edit" text=3D"f"/>
  <p:placeholder type=3D"body" position=3D"1"/></v:shape>
 <div v:shape=3D"_x0000_s481283" class=3DT style=3D'tab-stops:6.3142in'><sp=
an
 style=3D'position:absolute;top:0%;left:5.25%;width:89.0%;height:8.66%'>Whe=
n can
 distributions be taken <br>
  </span><span style=3D'position:absolute;top:7.0%;left:5.25%;width:89.0%;
 height:8.66%'>from an HSA?</span></div>
 <div v:shape=3D"_x0000_s481285">
 <div class=3DB style=3D'mso-line-spacing:"80 20 0"'><span style=3D'positio=
n:absolute;
 top:23.0%;left:9.0%;width:90.75%;height:5.66%'><span style=3D'font-size:80=
%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.13%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:80%'=
>HSA
 dollars can always be used to pay for qualified </span></span><span
 style=3D'position:absolute;top:27.33%;left:9.0%;width:88.5%;height:5.66%'>=
<span
 style=3D'font-size:80%'>expenses on a tax-free basis, regardless of age or=
 </span></span><span
 style=3D'position:absolute;top:31.66%;left:9.0%;width:87.0%;height:5.66%'>=
<span
 style=3D'font-size:80%'>healthcare coverage&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"80 20 0"'><span style=3D'positi=
on:absolute;
 top:37.0%;left:13.25%;width:97.25%;height:4.66%'><span style=3D'font-size:=
77%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.08%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:77%'=
>If
 HDHP coverage ends, </span><span style=3D'font-size:77%'><u>contributions =
cannot
 be made</u></span><span style=3D'font-size:77%'> to an HSA, </span></span>=
<span
 style=3D'position:absolute;top:40.33%;left:13.25%;width:98.5%;height:4.66%=
'><span
 style=3D'font-size:77%'>but<span style=3D'mso-spacerun:yes'>&nbsp; </span>=
</span><span
 style=3D'font-size:77%'><u>distributions to pay for qualified expenses are
 always allowed.&#13;</u></span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"80 20 0"'><span style=3D'positi=
on:absolute;
 top:45.0%;left:13.25%;width:93.0%;height:4.66%'><span style=3D'font-size:7=
7%;
 color:#339966'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-3.22%;font-family:Wingdings'>&Oslash;</span></span=
><span
 style=3D'font-size:77%;color:#339966'>If reimbursing expenses from previous
 years, sufficient records </span></span><span style=3D'position:absolute;
 top:48.33%;left:13.25%;width:90.0%;height:4.66%'><span style=3D'font-size:=
77%;
 color:#339966'>must be maintained to prove the expense was not previously =
</span></span><span
 style=3D'position:absolute;top:52.0%;left:13.25%;width:82.5%;height:4.66%'=
><span
 style=3D'font-size:77%;color:#339966'>reimbursed.&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:=
56.33%;
 left:10.25%;width:85.75%;height:2.33%'><span style=3D'position:absolute;
 top:0%;left:3.49%;width:96.2%;height:100.0%'><span style=3D'font-size:35%;
 color:#339966;visibility:hidden'><span style=3D'mso-special-format:bullet;
 color:#550C82;position:absolute;left:-3.63%;font-family:Wingdings'>&Oslash=
;</span></span><span
 style=3D'font-size:35%;color:#339966;display:none'>&#13;</span></span></di=
v>
 <div class=3DB style=3D'mso-line-spacing:"80 20 0"'><span style=3D'positio=
n:absolute;
 top:58.33%;left:9.0%;width:91.0%;height:5.66%'><span style=3D'font-size:80=
%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.12%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:80%'=
>HSA
 dollars can be withdrawn for any non-qualified </span></span><span
 style=3D'position:absolute;top:62.66%;left:9.0%;width:97.0%;height:5.66%'>=
<span
 style=3D'font-size:80%'>expense prior to age 65, subject to a 10% penalty =
and </span></span><span
 style=3D'position:absolute;top:67.0%;left:9.0%;width:87.0%;height:5.66%'><=
span
 style=3D'font-size:80%'>regular income tax.&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"80 20 0";position:absolute;top:7=
2.33%;
 left:5.25%;width:90.75%;height:2.33%'><span style=3D'position:absolute;
 top:0%;left:4.13%;width:95.86%;height:100.0%'><span style=3D'font-size:30%;
 visibility:hidden'><span style=3D'mso-special-format:bullet;color:#550C82;
 position:absolute;left:-4.31%;font-family:Wingdings'>&Oslash;</span></span=
><span
 style=3D'font-size:30%;display:none'>&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"80 20 0"'><span style=3D'positio=
n:absolute;
 top:74.33%;left:9.0%;width:95.5%;height:5.66%'><span style=3D'font-size:80=
%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-3=
.92%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:80%'=
>After
 age 65, withdrawals can be made to pay for any </span></span><span
 style=3D'position:absolute;top:78.66%;left:9.0%;width:94.25%;height:5.66%'=
><span
 style=3D'font-size:80%'>non-qualified expense, subject to regular income t=
ax.</span></span></div>
 </div>
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 position:absolute;top:95.66%;left:94.0%;width:4.25%;height:3.0%'><span
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</span><span
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y:
 none'><b>&#13;</b></span></div>
 </div>
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  type=3D"#_x0000_m626692" style=3D'position:absolute;left:30pt;top:21.375p=
t;
  width:654pt;height:70.25pt' o:userdrawn=3D"f">
  <v:fill o:detectmouseclick=3D"f"/>
  <v:stroke o:forcedash=3D"f"/>
  <o:lock v:ext=3D"edit" text=3D"f"/>
  <p:placeholder type=3D"title"/></v:shape><p:shaperange
  href=3D"master05.xml#_x0000_m626690"/><v:shape id=3D"_x0000_s715779" type=
=3D"#_x0000_m626690"
  style=3D'position:absolute;left:0;top:108pt;width:696pt;height:338.625pt'
  o:userdrawn=3D"f">
  <v:fill o:detectmouseclick=3D"f"/>
  <v:stroke o:forcedash=3D"f"/>
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.0%;
 left:5.25%;width:89.0%;height:8.66%;tab-stops:6.3142in'>What are Qualified
 Expenses?</div>
 <div v:shape=3D"_x0000_s715779">
 <div class=3DB><span style=3D'position:absolute;top:20.66%;left:1.0%;width=
:111.5%;
 height:6.66%'><span style=3D'mso-special-format:nobullet;display:none;
 color:#560086;font-family:Wingdings'>&Oslash;</span><span style=3D'font-si=
ze:
 93%'><span style=3D'mso-tab-count:1;width:3.36%'> </span></span><span
 style=3D'font-size:73%'>A Qualified Expense is generally any expense incur=
red to
 maintain </span></span><span style=3D'position:absolute;top:27.0%;left:4.7=
5%;
 width:97.5%;height:5.33%'><span style=3D'font-size:73%'>an individual&#821=
7;s
 health or the health of their family, including:&#13;</span></span></div>
 <div class=3DB1 style=3D'position:absolute;top:32.66%;left:6.0%;width:90.0=
%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.61%;width:96.=
38%;
 height:100.0%'><span style=3D'font-size:77%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#560086;position:absolute;left:-3.74%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:77%'><b>Doctor and hospital visits&#13;</b></span></spa=
n></div>
 <div class=3DB1 style=3D'position:absolute;top:38.0%;left:6.0%;width:90.0%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.61%;width:96.=
38%;
 height:100.0%'><span style=3D'font-size:77%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#560086;position:absolute;left:-3.74%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:77%'><b>Medical equipment&#13;</b></span></span></div>
 <div class=3DB1 style=3D'position:absolute;top:43.33%;left:6.0%;width:90.0=
%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.61%;width:96.=
38%;
 height:100.0%'><span style=3D'font-size:77%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#560086;position:absolute;left:-3.74%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:77%'><b>Dental care, braces, dentures&#13;</b></span></=
span></div>
 <div class=3DB1 style=3D'position:absolute;top:48.66%;left:6.0%;width:90.0=
%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.61%;width:96.=
38%;
 height:100.0%'><span style=3D'font-size:77%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#560086;position:absolute;left:-3.74%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:77%'><b>Vision care, glasses &amp; contacts&#13;</b></s=
pan></span></div>
 <div class=3DB1 style=3D'position:absolute;top:54.0%;left:6.0%;width:98.0%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.31%;width:96.=
93%;
 height:100.0%'><span style=3D'font-size:77%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#560086;position:absolute;left:-3.42%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:77%'><b>Medications, including certain over-the-counter
 versions&#13;</b></span></span></div>
 <div class=3DB1 style=3D'position:absolute;top:59.33%;left:6.0%;width:90.0=
%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.61%;width:96.=
38%;
 height:100.0%'><span style=3D'font-size:77%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#560086;position:absolute;left:-3.74%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:77%'><b>Transportation costs associated with healthcare=
</b></span><span
 style=3D'font-size:77%'><span style=3D'mso-tab-count:1;width:5.72%'> </spa=
n>&#13;</span></span></div>
 <div class=3DB1><span style=3D'position:absolute;top:64.66%;left:6.0%;widt=
h:101.0%;
 height:4.66%'><span style=3D'mso-special-format:nobullet;display:none;
 color:#560086;font-family:Wingdings'>&Oslash;</span><span style=3D'font-si=
ze:
 77%'><span style=3D'mso-tab-count:1;width:3.09%'> </span></span><span
 style=3D'font-size:62%'>*A definition of Qualified Medical Expense is prov=
ided
 in Section 213(d) of Internal </span></span><span style=3D'position:absolu=
te;
 top:69.0%;left:9.25%;width:101.75%;height:4.0%'><span style=3D'font-size:6=
2%'>Revenue
 Code. A list of eligible medical expenses can be found in IRS Publication =
502.
 </span></span><span style=3D'position:absolute;top:72.66%;left:9.25%;width=
:102.0%;
 height:4.0%'><span style=3D'font-size:62%'>Check with your tax advisor abo=
ut
 expenses not on the list. For more information, visit </span></span><span
 style=3D'position:absolute;top:76.33%;left:9.25%;width:86.75%;height:4.0%'=
><span
 style=3D'font-size:62%'>www.hsabank.com.&#13;</span></span></div>
 <div class=3DB1 style=3D'position:absolute;top:80.33%;left:6.0%;width:90.0=
%;
 height:4.0%'><span style=3D'position:absolute;top:0%;left:3.61%;width:96.3=
8%;
 height:100.0%'><span style=3D'font-size:62%;visibility:hidden'><span
 style=3D'mso-special-format:bullet;color:#560086;position:absolute;left:-3=
.74%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:62%;
 mso-special-format:lastCR;display:none'>&#13;</span></span></div>
 </div>
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<![if !ppt]>

<div id=3DNotesObj style=3D'display:none'>

<table style=3D'color:#333399' border=3D0 width=3D"100%">
 <tr>
  <td width=3D5 nowrap></td>
  <td width=3D"100%"></td>
 </tr>
 <tr>
  <td colspan=3D1></td>
  <td dir=3Dltr align=3Dleft colspan=3D1><font face=3DArial size=3D3>Should=
 add a slide
  re: how to negotiate doctor payments and mention My Medical Control.</fon=
t><br>
  </td>
 </tr>
</table>

</div>

<![endif]>
</body>

</html>

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.0%;
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ical
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&Oslash;</span></span><span
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h:82.75%;
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n><span
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><span
 style=3D'font-size:87%'>unemployment compensation<br>
  </span></span><span style=3D'position:absolute;top:56.99%;left:9.75%;
 width:82.75%;height:2.66%'><span style=3D'font-size:33%;display:none'>&#13=
;</span></span></div>
 <div class=3DB style=3D'position:absolute;top:60.33%;left:6.0%;width:86.5%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:4.33%;width:95.6=
6%;
 height:100.0%'><span style=3D'font-size:87%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-4.53%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:87%'>Premiums for individuals over age 65 &#13;</span><=
/span></div>
 <div class=3DB1 style=3D'position:absolute;top:67.0%;left:11.0%;width:81.5=
%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.98%;width:96.=
31%;
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rmat:
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&Oslash;</span></span><span
 style=3D'font-size:77%'>Retirement Health Benefits&#13;</span></span></div>
 <div class=3DB1 style=3D'position:absolute;top:72.33%;left:11.0%;width:81.=
5%;
 height:4.66%'><span style=3D'position:absolute;top:0%;left:3.98%;width:96.=
31%;
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rmat:
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&Oslash;</span></span><span
 style=3D'font-size:77%'>Medicare Premiums&#13;</span></span></div>
 <div class=3DB style=3D'position:absolute;top:78.0%;left:6.0%;width:86.5%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:4.33%;width:95.6=
6%;
 height:100.0%'><span style=3D'font-size:87%;visibility:hidden'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.53%;
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 mso-special-format:lastCR;display:none'>&#13;</span></span></div>
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.0%;
 left:3.5%;width:90.75%;height:8.66%;tab-stops:6.3142in'>Additional Health =
Plan
 Guidelines</div>
 <div v:shape=3D"_x0000_s618499">
 <div class=3DB1 style=3D'mso-margin-left-alt:471;mso-text-indent-alt:291'>=
</div>
 <div class=3DB2 style=3D'mso-margin-left-alt:720;mso-text-indent-alt:576'>=
</div>
 <div class=3DB3 style=3D'mso-margin-left-alt:1008;mso-text-indent-alt:864'=
></div>
 <div class=3DB4 style=3D'mso-margin-left-alt:1296;mso-text-indent-alt:1152=
'></div>
 <div class=3DB style=3D'mso-margin-left-alt:219'><span style=3D'position:a=
bsolute;
 top:30.66%;left:9.0%;width:89.5%;height:7.0%'><span style=3D'mso-special-f=
ormat:
 bullet;color:#550C82;position:absolute;left:-4.18%;font-family:Wingdings'>=
&Oslash;</span>Plans
 cannot provide benefits before the </span><span style=3D'position:absolute;
 top:37.33%;left:9.0%;width:100.0%;height:7.0%'>deductible is met, except f=
or <span
 style=3D'color:#9900CC'><u>preventive care</u></span>, </span><span
 style=3D'position:absolute;top:44.0%;left:9.0%;width:96.25%;height:7.0%'><=
span
 style=3D'color:#9900CC'><u>permitted insurance</u></span>, or <span
 style=3D'color:#9900CC'><u>permitted coverage</u></span><span style=3D'mso=
-special-format:
 lastCR;display:none'><b><i>&#13;</i></b></span></span></div>
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ine-spacing:
 "100 50 0"'><span style=3D'position:absolute;top:68.33%;left:-.5%;width:10=
1.5%;
 height:4.33%'><span style=3D'font-family:Tahoma'><b>*Contact your health p=
lan
 representative to determine if a plan is a </b></span></span><span
 style=3D'position:absolute;top:72.33%;left:6.75%;width:86.5%;height:4.33%'=
><span
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an
 style=3D'position:absolute;top:-.66%;left:5.25%;width:89.0%;height:8.66%'>=
What
 preventive care benefits <br>
  </span><span style=3D'position:absolute;top:6.33%;left:5.25%;width:89.0%;
 height:8.66%'>can a plan offer?<span style=3D'font-size:59%;font-weight:no=
rmal;
 color:black;mso-color-index:1'> </span><span style=3D'font-size:59%;color:=
black;
 mso-color-index:1;mso-special-format:lastCR;display:none'>&#13;</span></sp=
an></div>
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 <div style=3D'position:absolute;top:25.0%;left:6.0%;width:86.5%;height:7.0=
%'><span
 style=3D'position:absolute;top:0%;left:4.33%;width:95.66%;height:100.0%'><=
span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.53%;
 font-family:Wingdings'>&Oslash;</span>Periodic health evaluations&#13;</sp=
an></div>
 <div style=3D'position:absolute;top:33.0%;left:6.0%;width:86.5%;height:7.0=
%'><span
 style=3D'position:absolute;top:0%;left:4.33%;width:95.66%;height:100.0%'><=
span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.53%;
 font-family:Wingdings'>&Oslash;</span>Routine prenatal and well-child
 care&#13;</span></div>
 <div style=3D'position:absolute;top:41.0%;left:6.0%;width:86.5%;height:7.0=
%'><span
 style=3D'position:absolute;top:0%;left:4.33%;width:95.66%;height:100.0%'><=
span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.53%;
 font-family:Wingdings'>&Oslash;</span>Immunizations&#13;</span></div>
 <div style=3D'position:absolute;top:49.0%;left:6.0%;width:86.5%;height:7.0=
%'><span
 style=3D'position:absolute;top:0%;left:4.33%;width:95.66%;height:100.0%'><=
span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.53%;
 font-family:Wingdings'>&Oslash;</span>Tobacco cessation programs&#13;</spa=
n></div>
 <div style=3D'position:absolute;top:56.99%;left:6.0%;width:86.5%;height:7.=
0%'><span
 style=3D'position:absolute;top:0%;left:4.33%;width:95.66%;height:100.0%'><=
span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.53%;
 font-family:Wingdings'>&Oslash;</span>Obesity weight-loss programs&#13;</s=
pan></div>
 <div style=3D'position:absolute;top:65.0%;left:6.0%;width:86.5%;height:7.0=
%'><span
 style=3D'position:absolute;top:0%;left:4.33%;width:95.66%;height:100.0%'><=
span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-4=
.53%;
 font-family:Wingdings'>&Oslash;</span>Screening services</span></div>
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an
 style=3D'position:absolute;top:-.33%;left:5.25%;width:89.0%;height:8.66%'>=
What
 benefits are not considered <br>
  </span><span style=3D'position:absolute;top:7.0%;left:5.25%;width:89.0%;
 height:8.66%'>Preventive Care?<span style=3D'font-size:59%;font-weight:nor=
mal;
 color:black;mso-color-index:1'> </span><span style=3D'font-size:59%;color:=
black;
 mso-color-index:1;mso-special-format:lastCR;display:none'>&#13;</span></sp=
an></div>
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 <div class=3DB><span style=3D'position:absolute;top:24.0%;left:9.75%;width=
:95.75%;
 height:7.0%'><span style=3D'mso-special-format:bullet;color:#550C82;positi=
on:
 absolute;left:-3.91%;font-family:Wingdings'>&Oslash;</span>Generally,
 preventive care does not include </span><span style=3D'position:absolute;
 top:30.66%;left:9.75%;width:93.5%;height:7.0%'>any service or benefit inte=
nded
 to treat an </span><span style=3D'position:absolute;top:37.33%;left:9.75%;
 width:80.25%;height:7.0%'>existing illness, injury, or condition.&#13;</sp=
an></div>
 <div class=3DB1><span style=3D'position:absolute;top:45.0%;left:14.24%;wid=
th:87.25%;
 height:6.0%'><span style=3D'mso-special-format:bullet;color:#550C82;positi=
on:
 absolute;left:-3.72%;font-family:Wingdings'>&Oslash;</span>&#8220;Preventi=
ve
 care&#8221; for purposes of establishing </span><span style=3D'position:ab=
solute;
 top:51.0%;left:14.24%;width:90.25%;height:6.0%'>an HSA are determined by t=
he
 IRS, rather than </span><span style=3D'position:absolute;top:56.66%;left:1=
4.24%;
 width:76.0%;height:6.0%'>state law.</span></div>
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an
 style=3D'position:absolute;top:0%;left:5.25%;width:89.0%;height:8.66%'>What
 other kinds of coverage may <br>
  </span><span style=3D'position:absolute;top:7.0%;left:5.25%;width:89.0%;
 height:8.66%'>an individual have with an HSA?<span style=3D'font-weight:no=
rmal;
 mso-special-format:lastCR;display:none'>&#13;</span></span></div>
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 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:23.66%;
 left:3.5%;width:45.0%;height:5.33%'><span style=3D'mso-special-format:nobu=
llet;
 display:none;color:#2E0048'>o</span><span style=3D'font-size:85%'><u>Insur=
ance
 Coverage&#13;</u></span></div>
 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:28.99%;
 left:3.5%;width:45.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:8.33%;width:91.66%;height:100.0%'><span style=3D'font-size:85%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-9=
.09%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>Accidents&#13;</span></span></div>
 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:34.33%;
 left:3.5%;width:45.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:8.33%;width:91.66%;height:100.0%'><span style=3D'font-size:85%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-9=
.09%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>Disability&#13;</span></span></div>
 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:39.66%;
 left:3.5%;width:45.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:8.33%;width:91.66%;height:100.0%'><span style=3D'font-size:85%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-9=
.09%;
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><span
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v>
 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:45.0%;left:=
3.5%;
 width:45.0%;height:5.33%'><span style=3D'position:absolute;top:0%;left:8.3=
3%;
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 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-9=
.09%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
><span
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v>
 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:50.33%;
 left:3.5%;width:45.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:8.33%;width:91.66%;height:100.0%'><span style=3D'font-size:85%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-9=
.09%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>Long-term care&#13;</span></span><=
/div>
 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:55.66%;
 left:3.5%;width:48.0%;height:5.33%'><span style=3D'position:absolute;top:0=
%;
 left:7.81%;width:92.18%;height:100.0%'><span style=3D'font-size:85%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-8=
.47%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>Specified disease or illness&#13;<=
/span></span></div>
 <div style=3D'mso-line-spacing:"90 20 0"'><span style=3D'position:absolute;
 top:61.33%;left:7.24%;width:45.5%;height:5.33%'><span style=3D'font-size:8=
5%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-8=
.24%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>Insurance that pays a fixed <br>
  </span></span><span style=3D'position:absolute;top:65.66%;left:7.24%;
 width:49.25%;height:5.33%'><span style=3D'font-size:85%'><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>amount/day of hospitalization&#13;=
</span></span></div>
 <div style=3D'mso-line-spacing:"90 20 0";position:absolute;top:71.0%;left:=
3.5%;
 width:45.0%;height:5.33%'><span style=3D'position:absolute;top:0%;left:8.3=
3%;
 width:91.66%;height:100.0%'><span style=3D'font-size:85%;visibility:hidden=
'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-9=
.09%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%;
 mso-special-format:lastCR;display:none'>&#13;</span></span></div>
 </div>
 <div v:shape=3D"_x0000_s614407">
 <div class=3DHB style=3D'mso-line-spacing:"90 20 0";position:absolute;top:=
23.66%;
 left:50.24%;width:53.5%;height:5.33%'><span style=3D'mso-special-format:no=
bullet;
 display:none;color:#2E0048'>o</span><span style=3D'font-size:85%'><u>Other
 Coverage (Non-Insurance)</u></span><span style=3D'font-size:85%;display:no=
ne'>&#13;</span></div>
 <div class=3DHB style=3D'mso-line-spacing:"90 20 0";position:absolute;top:=
28.99%;
 left:50.24%;width:49.0%;height:5.33%'><span style=3D'position:absolute;
 top:0%;left:7.65%;width:92.34%;height:100.0%'><span style=3D'font-size:85%=
'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-8=
.28%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
>Employee
 Assistance Plan&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-line-spacing:"90 20 0"'><span style=3D'posit=
ion:absolute;
 top:34.33%;left:58.25%;width:41.0%;height:5.33%'><span style=3D'mso-specia=
l-format:
 bullet;color:#550C82;position:absolute;left:-7.31%;font-family:Wingdings'>=
&Oslash;</span>If
 it does not provide </span><span style=3D'position:absolute;top:38.66%;
 left:58.25%;width:41.0%;height:5.33%'>significant benefits&#13;</span></di=
v>
 <div class=3DHB style=3D'mso-line-spacing:"90 20 0"'><span style=3D'positi=
on:absolute;
 top:44.0%;left:54.0%;width:45.25%;height:5.33%'><span style=3D'font-size:8=
5%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-8=
.28%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
>Self-funded
 worker&#8217;s <br>
  </span></span><span style=3D'position:absolute;top:48.33%;left:54.0%;
 width:45.25%;height:5.33%'><span style=3D'font-size:85%'>compensation&#13;=
</span></span></div>
 <div class=3DHB style=3D'mso-line-spacing:"90 20 0"'><span style=3D'positi=
on:absolute;
 top:54.0%;left:54.0%;width:45.25%;height:5.33%'><span style=3D'font-size:8=
5%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-8=
.28%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
>Discount
 or pre-negotiated <br>
  </span></span><span style=3D'position:absolute;top:58.33%;left:54.0%;
 width:45.25%;height:5.33%'><span style=3D'font-size:85%'>pricing cards&#13=
;</span></span></div>
 <div class=3DHB style=3D'mso-line-spacing:"90 20 0";position:absolute;top:=
63.66%;
 left:50.24%;width:49.0%;height:5.33%'><span style=3D'position:absolute;
 top:0%;left:7.65%;width:92.34%;height:100.0%'><span style=3D'font-size:85%=
'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-8=
.28%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:85%'=
>Cafeteria
 Plan &#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-line-spacing:"90 20 0"'><span style=3D'posit=
ion:absolute;
 top:69.0%;left:58.25%;width:46.75%;height:4.66%'><span style=3D'font-size:=
91%'><span
 style=3D'mso-special-format:bullet;color:#550C82;position:absolute;left:-6=
.41%;
 font-family:Wingdings'>&Oslash;</span></span><span style=3D'font-size:91%'=
>FSAs
 must be designed for only </span></span><span style=3D'position:absolute;
 top:73.0%;left:58.25%;width:41.0%;height:4.66%'><span style=3D'font-size:9=
1%'>specified
 coverage such as </span></span><span style=3D'position:absolute;top:77.0%;
 left:58.25%;width:41.0%;height:4.66%'><span style=3D'font-size:91%'>dental=
 +
 vision</span></span></div>
 </div>
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vml]><img
 border=3D0
 v:shapes=3D"_x0000_s467971,_x0000_s467972,_x0000_s467973,_x0000_s467974,_x=
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0000_s467980,_x0000_s467981,_x0000_s467982,_x0000_s467983,_x0000_s467984,_x=
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0000_s467990,_x0000_s467991,_x0000_s467992,_x0000_s467993,_x0000_s467994,_x=
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0000_s468000,_x0000_s468001,_x0000_s468002"
 src=3D"slide0209_image039.gif" style=3D'position:absolute;top:25.66%;left:=
6.5%;
 width:88.25%;height:57.33%'><![endif]>
 <div v:shape=3D"_x0000_s467970" class=3DT style=3D'position:absolute;top:6=
.0%;
 left:3.5%;width:90.75%;height:8.66%;tab-stops:6.3142in'>HSAs, HRAs, FSAs</=
div>
 <div v:shape=3D"_x0000_s467972">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:74.33%;left:69.25%;width:24.0%;height:4.66%'><span style=3D'font-size:=
77%;
 color:white;mso-color-index:0'>No</span></div>
 </div>
 <div v:shape=3D"_x0000_s467973">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0'><span
 style=3D'position:absolute;top:72.33%;left:51.74%;width:15.75%;height:4.66=
%'><span
 style=3D'font-size:77%;color:white;mso-color-index:0'>Generally </span></s=
pan><span
 style=3D'position:absolute;top:76.66%;left:51.74%;width:15.75%;height:4.66=
%'><span
 style=3D'font-size:77%;color:white;mso-color-index:0'>No</span></span></di=
v>
 </div>
 <div v:shape=3D"_x0000_s467974">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:74.33%;left:27.75%;width:22.25%;height:4.66%'><span style=3D'font-size=
:77%;
 color:white;mso-color-index:0'>Yes</span></div>
 </div>
 <div v:shape=3D"_x0000_s467975">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:74.3=
3%;
 left:7.75%;width:18.25%;height:4.66%'><span style=3D'font-size:77%'>Portab=
le</span></div>
 </div>
 <div v:shape=3D"_x0000_s467976">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:63.33%;left:69.25%;width:24.0%;height:4.66%'><span style=3D'font-size:=
77%;
 color:white;mso-color-index:0'>No</span></div>
 </div>
 <div v:shape=3D"_x0000_s467977">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0'><span
 style=3D'position:absolute;top:61.33%;left:51.74%;width:15.75%;height:4.66=
%'><span
 style=3D'font-size:77%;color:white;mso-color-index:0'>Generally </span></s=
pan><span
 style=3D'position:absolute;top:65.66%;left:51.74%;width:15.75%;height:4.66=
%'><span
 style=3D'font-size:77%;color:white;mso-color-index:0'>No</span></span></di=
v>
 </div>
 <div v:shape=3D"_x0000_s467978">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:63.33%;left:27.75%;width:22.25%;height:4.66%'><span style=3D'font-size=
:77%;
 color:white;mso-color-index:0'>Yes</span></div>
 </div>
 <div v:shape=3D"_x0000_s467979">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:61.33%;left:7.75%;width:21.75%;height:4.66%'><span style=3D'font-size:=
77%'>Roll
 over year-</span></span><span style=3D'position:absolute;top:65.66%;left:7=
.75%;
 width:18.25%;height:4.66%'><span style=3D'font-size:77%'>to-year</span></s=
pan></div>
 </div>
 <div v:shape=3D"_x0000_s467980">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0'><span
 style=3D'position:absolute;top:50.33%;left:69.25%;width:24.0%;height:4.66%=
'><span
 style=3D'font-size:77%;color:white;mso-color-index:0'>Employee,<br>
  </span></span><span style=3D'position:absolute;top:54.66%;left:68.0%;
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 0'>Possible Employer</span></span></div>
 </div>
 <div v:shape=3D"_x0000_s467981">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
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:77%;
 color:white;mso-color-index:0'>Employer</span></div>
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 <div v:shape=3D"_x0000_s467982">
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n></span></div>
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 <div v:shape=3D"_x0000_s467983">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
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 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
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 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:52.3=
3%;
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g</span></div>
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 <div v:shape=3D"_x0000_s467984">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
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 top:41.33%;left:69.25%;width:24.0%;height:4.66%'><span style=3D'font-size:=
77%;
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 </div>
 <div v:shape=3D"_x0000_s467985">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
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 top:41.33%;left:51.74%;width:15.75%;height:4.66%'><span style=3D'font-size=
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 <div v:shape=3D"_x0000_s467986">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:41.33%;left:27.75%;width:22.5%;height:4.66%'><span style=3D'font-size:=
77%;
 color:white;mso-color-index:0'>Employee</span></div>
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 <div v:shape=3D"_x0000_s467987">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:39.33%;left:7.75%;width:18.25%;height:4.66%'><span style=3D'font-size:=
77%'>Account
 </span></span><span style=3D'position:absolute;top:43.66%;left:7.75%;width=
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 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
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 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:29.33%;left:69.25%;width:24.0%;height:6.0%'><span style=3D'color:white;
 mso-color-index:0'><b>FSA</b></span></div>
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 <div v:shape=3D"_x0000_s467989">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
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e;
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e;
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 <div v:shape=3D"_x0000_s467991">
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 <div class=3DTbl style=3D'mso-margin-left-alt:0'><span style=3D'position:a=
bsolute;
 top:29.33%;left:7.75%;width:18.25%;height:6.0%'><span style=3D'mso-special=
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an
 style=3D'position:absolute;top:-1.33%;left:3.5%;width:90.75%;height:8.66%'=
>Tax
 Treatment and Advantages for </span><span style=3D'position:absolute;top:5=
.66%;
 left:3.5%;width:90.75%;height:8.66%'>Employees/Accountholders</span></div>
 <div v:shape=3D"_x0000_s695299">
 <div class=3DB><span style=3D'position:absolute;top:24.0%;left:9.0%;width:=
98.25%;
 height:6.0%'><span style=3D'font-size:87%'><span style=3D'mso-special-form=
at:bullet;
 color:#550C82;position:absolute;left:-3.81%;font-family:Wingdings'>&Oslash=
;</span></span><span
 style=3D'font-size:87%'>Contributions are either pre-tax through a cafeter=
ia </span></span><span
 style=3D'position:absolute;top:29.66%;left:9.0%;width:84.5%;height:6.0%'><=
span
 style=3D'font-size:87%'>plan (via paycheck) or tax-deductible&#13;</span><=
/span></div>
 <div class=3DB style=3D'position:absolute;top:36.66%;left:5.25%;width:88.2=
5%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:4.24%;width:95.7=
5%;
 height:100.0%'><span style=3D'font-size:87%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-4.43%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:87%'>Earnings&#13;</span></span></div>
 <div class=3DB1 style=3D'position:absolute;top:43.33%;left:10.25%;width:89=
.0%;
 height:5.33%'><span style=3D'position:absolute;top:0%;left:3.37%;width:96.=
34%;
 height:100.0%'><span style=3D'font-size:85%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-3.49%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:85%'>HSAs grow in the same tax-deferred manner as IRAs&=
#13;</span></span></div>
 <div class=3DB1><span style=3D'position:absolute;top:49.33%;left:13.25%;
 width:91.25%;height:5.33%'><span style=3D'font-size:85%'><span style=3D'ms=
o-special-format:
 bullet;color:#550C82;position:absolute;left:-3.28%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:85%'>Interest and investment income are also tax-free o=
r tax-</span></span><span
 style=3D'position:absolute;top:54.33%;left:13.25%;width:80.0%;height:5.33%=
'><span
 style=3D'font-size:85%'>deferred&#13;</span></span></div>
 <div class=3DB style=3D'position:absolute;top:60.33%;left:5.25%;width:88.2=
5%;
 height:6.0%'><span style=3D'position:absolute;top:0%;left:4.24%;width:95.7=
5%;
 height:100.0%'><span style=3D'font-size:87%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-4.43%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:87%'>Distributions&#13;</span></span></div>
 <div class=3DB1><span style=3D'position:absolute;top:67.0%;left:13.25%;wid=
th:95.75%;
 height:5.33%'><span style=3D'font-size:85%'><span style=3D'mso-special-for=
mat:
 bullet;color:#550C82;position:absolute;left:-3.13%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:85%'>Withdrawals for qualified medical expenses are alw=
ays
 tax-</span></span><span style=3D'position:absolute;top:72.0%;left:13.25%;
 width:95.75%;height:5.33%'><span style=3D'font-size:85%'>free. After age 6=
5,
 funds may be withdrawn for any reason </span></span><span style=3D'positio=
n:
 absolute;top:76.66%;left:13.25%;width:80.0%;height:5.33%'><span
 style=3D'font-size:85%'>without penalty, subject to regular income tax.</s=
pan></span></div>
 </div>
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.0%;
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e</div>
 <div v:shape=3D"_x0000_s646148">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0'><span
 style=3D'position:absolute;top:53.0%;left:6.75%;width:85.75%;height:4.66%'=
><span
 style=3D'font-size:77%'><b>TAX SAVINGS ON CONTRIBUTIONS =3D</b></span><span
 style=3D'font-size:85%'><b><br>
  </b></span></span><span style=3D'position:absolute;top:57.66%;left:6.75%;
 width:85.75%;height:5.33%'><span style=3D'font-size:85%'><b><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>$20,625.00&#13;</b></span></span><=
/div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:63.33%;left:6.75%;width:85.75%;height:5.66%'><span style=3D'font-size:=
77%'><b>TAX
 SAVINGS ON DEFERRED GROWTH =3D</b></span><span style=3D'font-size:92%'><b>=
 &#13;</b></span></div>
 <div class=3DTbl style=3D'text-align:center;mso-line-spacing:"100 0 0";mso=
-margin-left-alt:
 0;position:absolute;top:68.66%;left:6.75%;width:85.75%;height:5.33%'><span
 style=3D'font-size:85%'><b>$13,732.87&#13;</b></span></div>
 <div class=3DTbl style=3D'text-align:center;mso-margin-left-alt:0;position=
:absolute;
 top:74.66%;left:6.75%;width:85.75%;height:4.66%'><span style=3D'font-size:=
77%'><b>ACCOUNT
 BALANCE AT THE END OF 25 YEARS =3D&#13;</b></span></div>
 <div class=3DTbl style=3D'text-align:center;mso-line-spacing:"100 0 0";mso=
-margin-left-alt:
 0;position:absolute;top:79.0%;left:6.75%;width:85.75%;height:5.33%'><span
 style=3D'font-size:85%'><b>$104,114.77</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646149">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:right;mso-margin-left-alt:0;position:=
absolute;
 top:47.33%;left:56.0%;width:36.5%;height:4.66%'><span style=3D'font-size:7=
7%'><b>4%</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646150">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:47.3=
3%;
 left:6.75%;width:47.5%;height:4.66%'><span style=3D'font-size:77%'><b>Aver=
age
 Interest Rate </b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646151">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:right;mso-margin-left-alt:0;position:=
absolute;
 top:35.33%;left:56.0%;width:36.5%;height:4.66%'><span style=3D'font-size:7=
7%'><b>28%
 (Federal)&#13;</b></span></div>
 <div class=3DTbl style=3D'text-align:right;mso-margin-left-alt:0;position:=
absolute;
 top:40.66%;left:56.0%;width:36.5%;height:4.66%'><span style=3D'font-size:7=
7%'><b>5%
 (State)</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646152">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:35.3=
3%;
 left:6.75%;width:47.5%;height:4.66%'><span style=3D'font-size:77%'><b>Tax
 Bracket</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646153">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:right;mso-margin-left-alt:0;position:=
absolute;
 top:29.66%;left:56.0%;width:36.5%;height:4.66%'><span style=3D'font-size:7=
7%'><b>$500
 per year</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646154">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:29.6=
6%;
 left:6.75%;width:47.5%;height:4.66%'><span style=3D'font-size:77%'><b>Annu=
al
 Medical Expenses</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646155">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
 <div class=3DTbl3 style=3D'mso-margin-left-alt:864'></div>
 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'text-align:right;mso-margin-left-alt:0;position:=
absolute;
 top:24.0%;left:48.75%;width:43.75%;height:4.66%'><span style=3D'font-size:=
77%'><b>$3,000
 per year for 25 yrs</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s646156">
 <div class=3DTbl1 style=3D'mso-margin-left-alt:288'></div>
 <div class=3DTbl2 style=3D'mso-margin-left-alt:576'></div>
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 <div class=3DTbl4 style=3D'mso-margin-left-alt:1152'></div>
 <div class=3DTbl style=3D'mso-margin-left-alt:0;position:absolute;top:24.0=
%;
 left:6.75%;width:47.5%;height:4.66%'><span style=3D'font-size:77%'><b>Cont=
ribution</b></span></div>
 </div>
</p:slide></div>

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.33%;
 left:3.5%;width:84.5%;height:7.66%;tab-stops:6.3142in'><span style=3D'font=
-size:
 88%'>Are HSAs changing spending behavior?</span><span style=3D'font-size:8=
8%;
 mso-special-format:lastCR;display:none'><b><i>&#13;</i></b></span></div>
 <div v:shape=3D"_x0000_s563203">
 <div class=3DB style=3D'mso-line-spacing:"80 20 0";position:absolute;top:2=
3.0%;
 left:5.25%;width:87.5%;height:6.0%'><span style=3D'mso-special-format:nobu=
llet;
 display:none;color:#2E0048'>o</span><span style=3D'font-size:87%;color:#33=
9966'><b><i>Increased
 Consumerism in Healthcare</i></b></span><span style=3D'font-size:87%'> &#1=
3;</span></div>
 <div class=3DB style=3D'mso-line-spacing:"80 20 0"'><span style=3D'positio=
n:absolute;
 top:28.66%;left:5.25%;width:87.5%;height:4.0%'><span style=3D'mso-special-=
format:
 nobullet;display:none;color:#2E0048'>o</span><span style=3D'font-size:57%'=
>(Research
 results from McKinsey &amp; Co., June 2005)<br>
  </span></span><span style=3D'position:absolute;top:32.0%;left:9.0%;width:=
83.75%;
 height:2.66%'><span style=3D'font-size:33%'><br>
  </span></span><span style=3D'position:absolute;top:33.33%;left:9.0%;width=
:96.25%;
 height:6.0%'><span style=3D'font-size:87%'>Consumer-directed health plan h=
olders
 were more </span></span><span style=3D'position:absolute;top:38.0%;left:9.=
0%;
 width:83.75%;height:6.0%'><span style=3D'font-size:87%'>value conscious and
 attentive to wellness &amp; </span></span><span style=3D'position:absolute;
 top:42.33%;left:9.0%;width:83.75%;height:6.0%'><span style=3D'font-size:87=
%'>prevention
 and therefore:&#13;</span></span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:=
48.33%;
 left:14.49%;width:78.0%;height:5.33%'><span style=3D'position:absolute;
 top:0%;left:3.2%;width:96.79%;height:100.0%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-3.31%;font-family:Wingdings'>=
&Oslash;</span>50%
 more likely to ask about costs&#13;</span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:=
53.0%;
 left:14.49%;width:78.0%;height:5.33%'><span style=3D'position:absolute;
 top:0%;left:3.2%;width:96.79%;height:100.0%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-3.31%;font-family:Wingdings'>=
&Oslash;</span>30%
 more likely to get an annual exam&#13;</span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:=
57.99%;
 left:14.49%;width:80.25%;height:5.33%'><span style=3D'position:absolute;
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ormat:
 bullet;color:#550C82;position:absolute;left:-3.21%;font-family:Wingdings'>=
&Oslash;</span>25%
 more likely to engage in healthy behaviors&#13;</span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:=
63.0%;
 left:14.49%;width:87.0%;height:5.33%'><span style=3D'position:absolute;
 top:0%;left:2.87%;width:97.12%;height:100.0%'><span style=3D'mso-special-f=
ormat:
 bullet;color:#550C82;position:absolute;left:-2.95%;font-family:Wingdings'>=
&Oslash;</span>20%
 more likely to comply with treatment regimens&#13;</span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"80 20 0";position:absolute;top:=
67.66%;
 left:14.49%;width:87.5%;height:5.33%'><span style=3D'position:absolute;
 top:0%;left:2.85%;width:97.14%;height:100.0%'><span style=3D'mso-special-f=
ormat:
 bullet;color:#550C82;position:absolute;left:-2.94%;font-family:Wingdings'>=
&Oslash;</span>3
 times more likely to choose less expensive options</span></div>
 </div>
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</span><span
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y:
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=3D"m,l,21600r21600,l21600,xe"
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  style=3D'position:absolute;left:19.25pt;top:126.875pt;width:657.375pt;hei=
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  <o:lock v:ext=3D"edit" text=3D"f" grouping=3D"t"/>
  <v:textbox style=3D'layout-flow:horizontal;mso-rotate:0;direction:LTR;
   mso-column-count:1;mso-column-margin:7.2pt;mso-rotate-with-shape:f;
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2pt,3.6pt"
   o:singleclick=3D"t"/>
  <p:placeholder type=3D"body" position=3D"1"/></v:shape>
 <div v:shape=3D"_x0000_s660483" class=3DT style=3D'position:absolute;top:6=
.0%;
 left:3.5%;width:96.75%;height:8.66%;tab-stops:6.3142in'>Are HSAs changing
 spending behavior?</div>
 <div v:shape=3D"_x0000_s660485">
 <div class=3DB2 style=3D'mso-margin-left-alt:720;mso-text-indent-alt:576'>=
</div>
 <div class=3DB3 style=3D'mso-margin-left-alt:1008;mso-text-indent-alt:864'=
></div>
 <div class=3DB4 style=3D'mso-margin-left-alt:1296;mso-text-indent-alt:1152=
'></div>
 <div class=3DB style=3D'mso-line-spacing:"80 20 0";mso-margin-left-alt:0'>=
<span
 style=3D'position:absolute;top:23.33%;left:3.75%;width:95.5%;height:6.0%'>=
<span
 style=3D'mso-special-format:nobullet;display:none;color:#2E0048'>o</span><=
span
 style=3D'font-size:87%'><b><i>Based on HSA Bank&#8217;s customer base of o=
ver </i></b></span></span><span
 style=3D'position:absolute;top:27.66%;left:3.75%;width:94.25%;height:6.0%'=
><span
 style=3D'font-size:87%'><b><i>186,000 accounts as of December 31, 2007</i>=
</b></span><span
 style=3D'font-size:87%;display:none'>&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"80 20 0";mso-margin-left-alt:25=
4;
 mso-text-indent-alt:72;position:absolute;top:33.66%;left:5.0%;width:102.75=
%;
 height:5.0%'><span style=3D'position:absolute;top:0%;left:2.91%;width:97.0=
8%;
 height:100.0%'><span style=3D'font-size:81%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-3.0%;font-family:Wingdings'>&=
Oslash;</span></span><span
 style=3D'font-size:81%'>96.5% of all open accounts rolled over funds from =
2007
 to 2008 &#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"80 20 0";mso-margin-left-alt:25=
4;
 mso-text-indent-alt:72;position:absolute;top:38.33%;left:5.0%;width:88.25%;
 height:5.0%'><span style=3D'position:absolute;top:0%;left:3.39%;width:96.3=
1%;
 height:100.0%'><span style=3D'font-size:81%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-3.52%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:81%'>On average, accounts rolled $2,163 into 2008<span
 style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;
 </span>&#13;</span></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"80 20 0";mso-margin-left-alt:25=
4;
 mso-text-indent-alt:72;position:absolute;top:43.0%;left:5.0%;width:88.25%;
 height:5.0%'><span style=3D'position:absolute;top:0%;left:3.39%;width:96.3=
1%;
 height:100.0%'><span style=3D'font-size:81%'><span style=3D'mso-special-fo=
rmat:
 bullet;color:#550C82;position:absolute;left:-3.52%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:81%'>Average contribution per month =3D $214&#13;</span=
></span></div>
 <div class=3DB1 style=3D'mso-line-spacing:"80 20 0";mso-margin-left-alt:25=
4;
 mso-text-indent-alt:72;position:absolute;top:47.66%;left:5.0%;width:88.25%;
 height:5.0%'><span style=3D'position:absolute;top:0%;left:3.39%;width:96.3=
1%;
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rmat:
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&Oslash;</span></span><span
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4;
 mso-text-indent-alt:72;position:absolute;top:52.33%;left:5.0%;width:88.25%;
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rmat:
 bullet;color:#550C82;position:absolute;left:-3.52%;font-family:Wingdings'>=
&Oslash;</span></span><span
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4;
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special-format:
 bullet;color:#550C82;position:absolute;left:-3.1%;font-family:Wingdings'>&=
Oslash;</span></span><span
 style=3D'font-size:81%'>Nearly 18% of accountholders saved all contributed=
 funds
 and </span></span><span style=3D'position:absolute;top:60.66%;left:8.0%;
 width:85.0%;height:5.0%'><span style=3D'font-size:81%'>rolled over an aver=
age
 balance of $4,013 into 2008.&#13;</span></span></div>
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4;
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-special-format:
 bullet;color:#550C82;position:absolute;left:-3.03%;font-family:Wingdings'>=
&Oslash;</span></span><span
 style=3D'font-size:81%'>More than a third of accountholders saved at least=
 50%
 of their </span></span><span style=3D'position:absolute;top:69.0%;left:8.0=
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 width:85.0%;height:5.0%'><span style=3D'font-size:81%'>2007 contributions.=
</span></span></div>
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gotiate
 doctor payments and mention My Medical Control. </div>
</p:notes>
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------=_NextPart_01C9CD61.69DFB480
Content-Location: file:///C:/515CB117/HSA_overview_files/script.js
Content-Transfer-Encoding: quoted-printable
Content-Type: application/javascript; charset="us-ascii"

function LoadSld()
{
	var sld=3DGetObj("SlideObj")
	if( !g_supportsPPTHTML ) {	=09
		sld.style.visibility=3D"visible"
		return
	}

	if( MakeNotesVis() ) return

	runAnimations =3D _InitAnimations();
=09
	if( IsWin("PPTSld") )
		parent.SldUpdated(GetSldId())
	g_origSz=3DparseInt(SlideObj.style.fontSize)
	g_origH=3Dsld.style.posHeight
	g_origW=3Dsld.style.posWidth
	g_scaleHyperlinks=3D(document.all.tags("AREA").length>0)
	if( g_scaleHyperlinks )
		InitHLinkArray()
	if( g_scaleInFrame||(IsWin("PPTSld") && parent.IsFullScrMode() ) )
		document.body.scroll=3D"no"
	_RSW()
	if( IsWin("PPTSld") && parent.IsFullScrMode() )
		FullScrInit();
=09
	MakeSldVis();
	ChkAutoAdv()

	if( runAnimations )
	{
		if( document.all("NSPlay") )
			document.all("NSPlay").autoStart =3D false;

		if( sld.filters && sld.filters.revealtrans )
			setTimeout( "document.body.start()", sld.filters.revealtrans.duration * =
1000 );
		else
			document.body.start();
	}
}

function MakeSldVis()=20
{
	var fTrans=3Dg_showAnimation && SldHasTrans()
	if( fTrans )=09
	{
		if( g_bgSound ) {
			idx=3Dg_bgSound.indexOf(",");
			pptSound.src=3Dg_bgSound.substr( 0, idx );
			pptSound.loop=3D -(parseInt(g_bgSound.substr(idx+1)));
		}
		SlideObj.filters.revealtrans.Apply()=09
    }
	SlideObj.style.visibility=3D"visible"
	if( fTrans )
		SlideObj.filters.revealtrans.Play()
}
function MakeNotesVis()=20
{
	if( !IsNts() ) return false=20
	SlideObj.style.display=3D"none"
	nObj =3D document.all.item("NotesObj")
	parent.SetHasNts(0)
	if( nObj ) {=20
		nObj.style.display=3D""
		parent.SetHasNts(1)
	}
	return 1
}
function ChkAutoAdv()
{
	if(SldHasTrans())
		SlideObj.onfilterchange=3DAutoAdv
	else
		AutoAdv()
}
function AutoAdv()
{
	if(!IsWin("PPTSld") || !gUseSldTimings )return
	var sld=3DGetCurSld()
	if( (sld.mAdvDelay>0) && !parent.IsFramesMode() )
		setTimeout("parent.GoToNextSld()",sld.mAdvDelay)
}
function GetObj(id)
{
	if(g_supportsPPTHTML) return document.all(id);
	else return document.getElementById(id);
}
function SldHasTrans() { return SlideObj.style.filter !=3D ""; }
function GetSldId()=20
{
	var regExp =3D /file:\/\/\//i
	var pos =3D location.href.search(regExp)
	if (MHTMLPrefix !=3D "" && pos !=3D -1)
		sId =3D location.href.substring(pos)
	else
	{
		sId =3D RemoveFilePrefixFromHref(location.href);
		var regExp =3D /\//
		var fixedHref =3D sId
		var pos =3D -1
=09
		pos =3D fixedHref.search(regExp)
		while (pos !=3D -1)
		{
			fixedHref =3D fixedHref.replace(regExp, "\\")
			pos =3D fixedHref.search(regExp)
		}
=09
		if (g_fBaseHyperlink =3D=3D true)
			sId =3D "file:///" + fixedHref;
		else
			sId =3D fixedHref.substring(fixedHref.lastIndexOf('\\') + 1)
	}
=09
	return sId
}
function HideMenu() { if( frames["PPTSld"] && PPTSld.document.all.item("ctx=
tmenu") && PPTSld.ctxtmenu.style.display!=3D"none" ) { PPTSld.ctxtmenu.styl=
e.display=3D'none'; return true } return false }
function IsWin( name ) { return window.name =3D=3D name }
function IsNts() { return IsWin("PPTNts") }
function IsSldOrNts() { return( IsWin("PPTSld")||IsWin("PPTNts") ) }
function SupportsPPTAnimation() { return( navigator.platform =3D=3D "Win32"=
 && navigator.appVersion.indexOf("Windows")>0 ) }
function SupportsPPTHTML()
{
	var appVer=3Dnavigator.appVersion, msie=3DappVer.indexOf("MSIE "), ver=3D0
	if( msie >=3D 0 )
		ver=3DparseFloat( appVer.substring( msie+5, appVer.indexOf(";",msie) ) )
	else
		ver=3DparseInt(appVer)

	return( ver >=3D 4 && msie >=3D 0 )
}
function _RSW()
{
	if( !g_supportsPPTHTML || IsNts() ||
	  ( !g_scaleInFrame && (!IsWin("PPTSld") || !parent.IsFullScrMode()) ) )
		return

        var padding=3D0;
        if( IsWin("PPTSld") && parent.IsFramesMode() ) padding=3D6

	cltWidth=3Ddocument.body.clientWidth-padding
	cltHeight=3Ddocument.body.clientHeight-padding
	factor=3D(1.0*cltWidth)/g_origW
	if( cltHeight < g_origH*factor )
		factor=3D(1.0*cltHeight)/g_origH

	newSize =3D g_origSz * factor
	if( newSize < 1 ) newSize=3D1

	s=3DSlideObj.style
	s.fontSize=3DnewSize+"px"
	s.posWidth=3Dg_origW*factor
	s.posHeight=3Dg_origH*factor
	s.posLeft=3D(cltWidth-s.posWidth+padding)/2
	s.posTop=3D(cltHeight-s.posHeight+padding)/2

	if( g_scaleHyperlinks )
		ScaleHyperlinks( factor )
}
function _InitAnimations()
{
	animRuntimeInstalled =3D ''+document.body.localTime !=3D 'undefined';
	isFullScreen =3D (window.name =3D=3D "PPTSld") && !parent.IsFramesMode();
	g_animUseRuntime =3D g_showAnimation && animRuntimeInstalled && !(isFullSc=
reen && parent.IsSldVisited());
	if( g_animUseRuntime ) {
		collSeq =3D document.all.tags("seq");
		if( collSeq !=3D null ) {
			for(ii=3D0;ii<collSeq.length;ii++) {
				if( collSeq[ii].getAttribute( "p:nodeType" ) =3D=3D "mainSeq" ) {
					g_animMainSequence =3D collSeq[ii];
					break;
				}
			}
		}
=09
		if( g_animItemsToHide && document.body.playAnimations !=3D false ) {
			for(jj =3D 0; jj < g_animItemsToHide.length; jj++) {
				if( hideObj =3D GetObj(g_animItemsToHide[jj]) )
					hideObj.runtimeStyle.visibility=3D"hidden";
			}
		}

		if( g_animInteractiveItems ){
			for(jj =3D 0; jj < g_animInteractiveItems.length; jj++) {
				if( triggerObj =3D GetObj(g_animInteractiveItems[jj]) )
					triggerObj.runtimeStyle.cursor=3D"hand";
			}
		}
	=09
		if( gUseSldTimings && ''+g_animSlideTime !=3D 'undefined' ) {
			adjustedTime =3D document.body.calculateAutoAdvanceTimes( g_animSlideTim=
e, g_animEffectTimings );
			if( IsWin("PPTSld") && adjustedTime !=3D g_animSlideTime ) {
			   var sld =3D GetCurSld();
			   sld.mAdvDelay =3D adjustedTime * 1000;
			}
		}
	}

	return g_animUseRuntime;
}

gSldJump =3D 0, gSldJumpTrack =3D 0, gSldJumpIdx =3D "";

function _KPH()
{=20
	if( IsNts() ) return;

	if( !parent.IsFramesMode() && event.keyCode =3D=3D 27 && !HideMenu() )
		parent.window.close( self );
	else if( event.keyCode =3D=3D 32 ) {
		if( window.name =3D=3D "PPTSld" )
			parent.PPTSld.DocumentOnClick();
		else
			parent.GoToNextSld();
	}

	CatchNumKeys( parent, event );
}

function CatchNumKeys( win, event ) {
	if( win.IsFullScrMode() && (48<=3Devent.keyCode) && (event.keyCode<=3D57) =
) {
		gSldJump =3D 1;
		gSldJumpIdx +=3D (event.keyCode-48).toString();
	}
	if( win.IsFullScrMode() && gSldJump && event.keyCode =3D=3D 13 ) {
		var numSlds =3D parent.GetSldList().mList.length
		if ( gSldJumpIdx > numSlds )
			gSldJumpIdx =3D numSlds;
		if ( gSldJumpIdx >=3D 0 ) {
			if ( gSldJumpIdx =3D=3D 0 )
				gSldJumpIdx =3D 1;
			var jumpTo =3D parseInt(gSldJumpIdx);
			gSldJump =3D 0; gSldJumpIdx =3D "";
			win.GoToSld( parent.GetSldList().mList[jumpTo-1].mSldHref )
		}
	}
}

function _KDH()
{
	if( event.keyCode =3D=3D 8 ) {
		event.returnValue =3D 0;
		parent.GoToPrevSld();
	}
}function DocumentOnClick()
{
	if( IsNts() || parent.HideMenu() ) return;

	if( ( g_allowAdvOnClick && (window.name=3D=3D"PPTSld") && !parent.IsFrames=
Mode() ) ||
	    (event && event.keyCode=3D=3D32) ) {
	=09
		if( g_animUseRuntime && g_animMainSequence && g_animMainSequence.cangonex=
t )
			return;

		parent.GoToNextSld();
	}
}


var g_supportsPPTHTML =3D SupportsPPTHTML(), g_scaleInFrame =3D 1, gId=3D""=
, g_bgSound=3D"",
    g_scaleHyperlinks =3D false, g_allowAdvOnClick =3D 1, g_showInBrowser =
=3D 0, gLoopCont =3D 0, gUseSldTimings =3D 1;
var g_showAnimation =3D g_supportsPPTHTML && SupportsPPTAnimation() && ( (w=
indow.name=3D=3D"PPTSld" && !parent.IsFramesMode()) || g_showInBrowser );va=
r g_animManager =3D null;
var g_animUseRuntime =3D false;
var g_animItemsToHide, g_animInteractiveItems, g_animSlideTime;
var g_animMainSequence =3D null;

var ENDSHOW_MESG=3D"End of slide show, click to exit.", SCREEN_MODE=3D"Fram=
es", gIsEndShow=3D0, NUM_VIS_SLDS=3D29, SCRIPT_HREF=3D"script.js", FULLSCR_=
HREF=3D"fullscreen.htm";
var gCurSld =3D gPrevSld =3D 1, g_offset =3D 0, gNtsOpen =3D gHasNts =3D gO=
tlTxtExp =3D 0, gHasNarration =3D 0, gOtlOpen =3D true
window.gPPTHTML=3DSupportsPPTHTML()
var g_fBaseHyperlink =3D false;
var gMainDoc=3Dnew Array(new hrefList("slide0112.htm",1,-1,1),new hrefList(=
"slide0187.htm",1,-1,1),new hrefList("slide0333.htm",1,-1,1),new hrefList("=
slide0386.htm",1,-1,1),new hrefList("slide0325.htm",1,-1,1),new hrefList("s=
lide0389.htm",1,-1,1),new hrefList("slide0185.htm",1,-1,1),new hrefList("sl=
ide0387.htm",1,-1,1),new hrefList("slide0371.htm",1,-1,1),new hrefList("sli=
de0388.htm",1,-1,1),new hrefList("slide0373.htm",1,-1,1),new hrefList("slid=
e0364.htm",1,-1,1),new hrefList("slide0332.htm",1,-1,1),new hrefList("slide=
0365.htm",1,-1,1),new hrefList("slide0380.htm",1,-1,1),new hrefList("slide0=
222.htm",1,-1,1),new hrefList("slide0390.htm",1,-1,1),new hrefList("slide03=
82.htm",1,-1,1),new hrefList("slide0318.htm",1,-1,1),new hrefList("slide032=
8.htm",1,-1,1),new hrefList("slide0329.htm",1,-1,1),new hrefList("slide0330=
.htm",1,-1,1),new hrefList("slide0324.htm",1,-1,1),new hrefList("slide0209.=
htm",1,-1,1),new hrefList("slide0378.htm",1,-1,1),new hrefList("slide0339.h=
tm",1,-1,1),new hrefList("slide0287.htm",1,-1,1),new hrefList("slide0351.ht=
m",1,-1,1),new hrefList("slide0338.htm",1,-1,1));

/*********************************************
 Frameset functions

 These functions control slide navigation
 and state of the frameset.
**********************************************/

function RemoveFilePrefixFromHref(href)
{
	var regExp =3D /^file:\/\/\//i;
	return href.replace(regExp, "")
}

function FullScrInit()
{
	g_allowAdvOnClick =3D GetCurSld().mAdvOnClk
	document.body.style.backgroundColor=3D"black"
	document.oncontextmenu=3Dparent._CM;
	document.onkeydown =3D _KDH;
	document.ondragstart=3DCancel
	document.onselectstart=3DCancel
	self.focus()
}

function Redirect( frmId )
{=09
	var str=3Ddocument.location.hash,idx=3Dstr.indexOf('#'), sId=3DGetSldId()
	if(idx>=3D0) str=3Dstr.substr(1);
	if( window.name !=3D frmId && ( sId !=3D str) ) {
		obj =3D GetObj("Main-File")
		window.location.href=3Dobj.href+"#"+sId
		return 1
	}
	return 0
}

var MHTMLPrefix =3D CalculateMHTMLPrefix();=20
function CalculateMHTMLPrefix()
{
	if ( document.location.protocol =3D=3D 'mhtml:') {=20
		href=3Dnew String(document.location.href)=20
		Start=3Dhref.indexOf('!')+1=20
		End=3Dhref.lastIndexOf('/')+1=20
		if (End < Start)=20
			return href.substring(0, Start)=20
		else=20
		return href.substring(0, End)=20
	}
	return '';
}

function GetTags(base,tag)
{
	if(g_supportsPPTHTML) return base.all.tags(tag);
	else return base.getElementsByTagName(tag);
}


function UpdNtsPane(){ if(frames["PPTNts"]) PPTNts.location.replace( MHTMLP=
refix+GetHrefObj( gCurSld ).mNtsHref ) }

function UpdNavPane( sldIndex ){ if(gNavLoaded) PPTNav.UpdNav() }

function UpdOtNavPane(){ if(gOtlNavLoaded) PPTOtlNav.UpdOtlNav() }

function UpdOtlPane(){ if(gOtlLoaded) PPTOtl.UpdOtl() }

function SetHasNts( fVal )
{
	if( gHasNts !=3D fVal ) {
		gHasNts=3DfVal
		UpdNavPane()
	}
}

function ToggleOtlText()
{
	gOtlTxtExp=3D!gOtlTxtExp
	UpdOtlPane()
}

function ClearMedia()
{
	// Clear any sounds playing before launching another browser window. Other=
wise,
	// in fullscreen mode, you'll continue to hear the sound in the frames mod=
e.
	if (PPTSld.pptSound) PPTSld.pptSound.loop =3D 0;
}

function FullScreen()
{=20
	if ( PPTSld.g_animUseRuntime )
		PPTSld.document.body.pause();
	ClearMedia();
	var href =3D ( document.location.protocol =3D=3D 'mhtml:') ? FULLSCR_HREF =
: FULLSCR_HREF+"#"+GetHrefObj(gCurSld).mSldHref;
	if (MHTMLPrefix !=3D "")
		href =3D RemoveFilePrefixFromHref(href)
	if(PPTNav.event.ctrlKey) {
		var w =3D (window.screen.availWidth * 1.0) / 2.0
		var h =3D w * (PPTSld.g_origH * 1.0) / PPTSld.g_origW
		win =3D window.open( MHTMLPrefix+href,null,"toolbar=3D0,resizable=3D1,top=
=3D0,left=3D0," + "width=3D"+ w + ",height=3D" + h );
		if( win.document.body && PPTSld.g_animUseRuntime )
			win.document.body.PPTSldFrameset=3Dwindow;
	}
	else
	{
		win =3D window.open( MHTMLPrefix+href,null,"fullscreen=3Dyes" );
		if( win.document.body && PPTSld.g_animUseRuntime )
			win.document.body.PPTSldFrameset=3Dwindow;
	}
}

function ToggleVNarration()
{
	rObj=3DPPTSld.document.all("NSPlay")
	if( rObj && !PPTSld.g_animUseRuntime ) {
		if( (rObj.playState =3D=3D 1)||(rObj.playState =3D=3D 0) )
			rObj.Play()
		else if( rObj.playState =3D=3D 2 )
			rObj.Pause()
		else
			return;
	}
	else if( PPTSld.g_animUseRuntime )
	{
		narObj =3D PPTSld.document.all("narrationID")
		if( narObj )
			narObj.togglePause()
	}
}

function GetCurSldNum()
{  =20
	obj=3DGetHrefObj(gCurSld)
	if( obj.mOrigVis =3D=3D 1 )
		return obj.mSldIdx
	else  =20
		return gCurSld
}

function GetNumSlds()
{  =20
	if( GetHrefObj(gCurSld).mOrigVis =3D=3D 1 )
		return GetSldList().mNumVisSlds;
	else
		return GetSldList().mList.length
}

function GetSldNum( href )
{
	for(ii=3D0; ii<GetSldList().mList.length; ii++) {
		if ( GetSldList().mList[ii].mSldHref =3D=3D href )
			return ii+1
	}
	return 1
}

function GetHrefObj( sldIdx ){ return GetSldList().mList[sldIdx-1] }

function IsFramesMode(){ return ( SCREEN_MODE =3D=3D "Frames" ) }

function IsFullScrMode(){ return ( SCREEN_MODE =3D=3D "FullScreen" ) }

function GoToNextSld()
{
	ii=3DgCurSld + 1
	if( GetHrefObj( ii-1 ).mOrigVis =3D=3D 0 ) {
		if( ii<=3DGetSldList().mList.length ) {
			obj=3DGetHrefObj(ii)
			obj.mVis=3D1
			GoToSldNum(ii)
			return
		}
	}
	else {
		obj=3DGetHrefObj( ii )
		while ( obj && ( obj.mOrigVis =3D=3D 0 ) )
			obj=3DGetHrefObj(++ii)
		if( obj && obj.mOrigVis ) {
			GoToSldNum(ii)
			return
		}
	}
	if( gSldStack.length > 1 )
		PopSldList();
	else if( !IsFramesMode() ) {
                if( gLoopCont )
			GoToFirst()
                else
			EndShow()
	}
}

function GoToPrevSld()
{
	ii=3DgCurSld-1
	if( ii > 0 ) {
		obj=3DGetHrefObj(ii)
		while ( obj && ( obj.mVis =3D=3D 0 ) && ( ii>0 ) )
			obj=3DGetHrefObj(--ii)
        if( ii =3D=3D 0 ) ii=3D1
		GoToSldNum(ii)
	}
}

function GoToFirst(){ GoToSld( GetHrefObj(1).mSldHref ) }

function GoToLast()
{
	ii=3DGetSldList().mList.length
	if( ii !=3D gCurSld )
		GoToSld( GetHrefObj(ii).mSldHref )
}

function GoToSldNum( num )
{
	if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue
	obj =3D GetHrefObj( num )
	obj.mVis=3D1
	gPrevSld=3DgCurSld
	gCurSld =3D num;
=09
	if (MHTMLPrefix !=3D "")
		PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(obj.mSldHref=
))
	else
		PPTSld.location.replace(obj.mSldHref)
	=09
	if( IsFramesMode() ) {
		UpdNavPane(); UpdOtlPane(); UpdNtsPane()
	}
}

function GoToSld( href )
{
	if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue
	GetHrefObj( GetSldNum(href) ).mVis=3D1
	if (MHTMLPrefix !=3D "")
		PPTSld.location.replace(MHTMLPrefix+RemoveFilePrefixFromHref(href))
	else
		PPTSld.location.replace(href)
}

function SldUpdated( id )
{
	if( id =3D=3D GetHrefObj(gCurSld).mSldHref ) return
	gPrevSld=3DgCurSld
	gCurSld=3DGetSldNum(id)
	if( IsFramesMode() ) {
		UpdNavPane(); UpdOtlPane(); UpdNtsPane()
	}
}

function PrevSldViewed(){ GoToSld( GetHrefObj(gPrevSld).mSldHref ) }
function HasPrevSld() { return ( gIsEndShow || ( gCurSld !=3D 1 && GetHrefO=
bj( gCurSld-1 ).mVis =3D=3D 1 )||( GetCurSldNum() > 1 ) ) }
function HasNextSld() { return (GetCurSldNum() !=3D GetNumSlds()) }

function CloseWindow() {
	if( HideMenu() ) return;
=09
	var event =3D PPTSld.event;
	if( !IsFramesMode() && event && (event.keyCode=3D=3D27 || event.keyCode=3D=
=3D32 || event.type=3D=3D"click" ) )
		window.close( self );
	CatchNumKeys( self, event );
}

function Unload() { gIsEndShow=3D0; }

function SetupEndShow() {
	gIsEndShow=3D1;
	PPTSld.document.body.scroll=3D"no";
	PPTSld.document.onkeypress=3DCloseWindow;
	PPTSld.document.onclick=3DCloseWindow;
	PPTSld.document.oncontextmenu=3D_CM;
}

function EndShow()
{
	if( IsFramesMode() ) return
	if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue

	doc=3DPPTSld.document
	var dir =3D doc.body.dir
	if( dir !=3D "rtl" ) dir =3D "ltr";
	doc.open()
	doc.writeln('<html><body dir=3D' + dir + ' bgcolor=3Dblack onload=3Dparent=
.SetupEndShow() onunload=3Dparent.Unload()><center><p><font face=3DTahoma c=
olor=3Dwhite size=3D2><br><b>' + ENDSHOW_MESG + '</b></font></p></center></=
body></html>')
	doc.close()
}

function SetSldVisited(){ GetSldList().mList[gCurSld-1].mVisited=3Dtrue }

function IsSldVisited(){ return GetSldList().mList[gCurSld-1].mVisited }

function hrefList( sldHref, visible, advDelay, advClk )
{
	this.mSldHref=3D this.mNtsHref =3D sldHref
	this.mOrigVis=3D this.mVis =3D visible
	this.mVisited=3D false
	this.mAdvDelay=3D advDelay
	this.mAdvOnClk=3D advClk
}

function SldList(arr,curSld,fEnd)
{
	this.mCurSld =3D curSld;
	this.mList =3D new Array();

	var idx =3D 1;
	for(ii=3D0;ii<arr.length;ii++) {
		this.mList[ii] =3D new hrefList( arr[ii].mSldHref, arr[ii].mOrigVis, arr[=
ii].mAdvDelay, arr[ii].mAdvOnClk );
		if( arr[ii].mOrigVis )
			this.mList[ii].mSldIdx =3D idx++;
	}
	this.mNumVisSlds =3D idx-1;
	this.fEndShow =3D fEnd;
}

function GetSldList() {	return gSldStack[gSldStack.length-1] }
function GetCurSld() { return parent.GetSldList().mList[parent.gCurSld - 1]=
 }

gSldStack =3D new Array();
gSldStack[0] =3D new SldList(gMainDoc,gCurSld,1)
function ToggleOtlPane()
{
	frmset=3Ddocument.all("PPTHorizAdjust")
	frm=3Ddocument.all("PPTOtl")

	if( gOtlOpen )
		frmset.cols=3D"*,100%"
	else
		frmset.cols=3D"25%,*"

	gOtlOpen=3D!gOtlOpen
	frm.noResize=3D!frm.noResize
	UpdOtNavPane()
}

function ToggleNtsPane()
{
	frmset=3Ddocument.all("PPTVertAdjust")
	frm=3Ddocument.all("PPTNts")

	if( gNtsOpen )
		frmset.rows=3D"100%,*"
	else
		frmset.rows=3D"*,20%"

	gNtsOpen=3D!gNtsOpen
	UpdNtsPane()
}

/*********************************************
Custom Shows implementation

When ViewCustomShow() is called, we create
a new array that is a subset of the slides in=20
the main doc. This list pushed on a stack so
we can return after the end of the custom
show.
*********************************************/
function ViewCustomShow(idx,fEnd)
{
	if( !IsFullScrMode() ) return;
	var sldList =3D new Array();
	var custShow =3D custShowList[idx-1];
	var jj =3D 0;
	for( ii=3D0;ii<custShow.length;ii++ ) {
		if( custShow[ii] <=3D gMainDoc.length )
			sldList[jj++] =3D gMainDoc[custShow[ii]-1];
	}
	if (sldList.length > 0) {
	PushSldList(sldList,fEnd);
	gCurSld =3D 1;
	}
	else
		if( PPTSld.event ) PPTSld.event.cancelBubble=3Dtrue
}

function PushSldList(arr,fEnd) {
	var ii =3D gSldStack.length;
	gSldStack[ii] =3D new SldList(arr,gCurSld,fEnd);
	GoToSld( gSldStack[ii].mList[0].mSldHref );
}

function PopSldList() {
	if (gSldStack[gSldStack.length-1].fEndShow)
		EndShow()
	else {
	gCurSld =3D gSldStack[gSldStack.length-1].mCurSld;
	gSldStack[gSldStack.length-1] =3D null;
	gSldStack.length--;
	var sldList =3D gSldStack[gSldStack.length-1];
	GoToSld( sldList.mList[gCurSld - 1].mSldHref );
	}
}
var custShowList=3Dnew Array();

/*********************************************
 Navigation button implementation

 There are 2 types of buttons: ImgBtn, TxtBtn
 implemented as function objects. They share
 a similiar interface so the event handlers
 can call SetActive, for example, on a button=20
 object without needing to know exactly=20
 what type of button it is.
**********************************************/

//----------------------------------
function ImgBtn( oId,bId,w,action )
//----------------------------------
{
	var t=3Dthis
	t.Perform    =3D _IBP
	t.SetActive  =3D _IBSetA
	t.SetInactive=3D _IBSetI
	t.SetPressed =3D _IBSetP
	t.SetDisabled=3D _IBSetD
	t.Enabled    =3D _IBSetE
	t.ChangeIcon =3D null
	t.UserAction =3D action
	t.ChgState   =3D _IBUI
	t.mObjId   =3D oId
	t.mBorderId=3D bId
	t.mWidth   =3D w
	t.mIsOn    =3D t.mCurState =3D 0
}

function _IBSetA()
{
	if( this.mIsOn ) {
		obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 )
		obj.style.posTop=3D0
	}
}

function _IBSetI()
{
	if( this.mIsOn ) {
		obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 )
		obj.style.posTop=3D0=20
	}
}

function _IBSetP()
{
	if( this.mIsOn ) {
		obj=3Dthis.ChgState( gShadowClr,gHiliteClr,2 )
		obj.style.posLeft+=3D1; obj.style.posTop+=3D1
	}
}

function _IBSetD()
{ =20
	obj=3Dthis.ChgState( gFaceClr,gFaceClr,0 )
	obj.style.posTop=3D0=20
}

function _IBSetE( state )
{
	var t=3Dthis
	GetObj( t.mBorderId ).style.visibility=3D"visible"
	if( state !=3D t.mIsOn ) {
		t.mIsOn=3Dstate
		if( state )
			t.SetInactive()
		else
			t.SetDisabled()
	}
}

function _IBP()
{
	var t=3Dthis
	if( t.mIsOn ) {
		if( t.UserAction !=3D null )
			t.UserAction()
		if( t.ChangeIcon ) {
			obj=3DGetObj(t.mObjId)
			if( t.ChangeIcon() )
				obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-4)*t.mWidth
			else
				obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-0)*t.mWidth
		}
		t.SetActive()
	} =20
}

function _IBUI( clr1,clr2,nextState )
{
	var t=3Dthis
	SetBorder( GetObj( t.mBorderId ),clr1,clr2 )
	obj=3DGetObj( t.mObjId )
	obj.style.posLeft=3Dobj.style.posLeft+(t.mCurState-nextState)*t.mWidth-obj=
.style.posTop
	t.mCurState=3DnextState
	return obj
}

//-----------------------------------------
function TxtBtn( oId,oeId,action,chkState )
//-----------------------------------------
{
	var t=3Dthis
	t.Perform    =3D _TBP
	t.SetActive  =3D _TBSetA
	t.SetInactive=3D _TBSetI
	t.SetPressed =3D _TBSetP
	t.SetDisabled=3D _TBSetD
	t.SetEnabled =3D _TBSetE
	t.GetState   =3D chkState
	t.UserAction =3D action
	t.ChgState   =3D _TBUI
	t.mObjId      =3D oId
	t.m_elementsId=3D oeId
	t.mIsOn       =3D 1
}

function _TBSetA()
{
	var t=3Dthis
	if( t.mIsOn && !t.GetState() )
		t.ChgState( gHiliteClr,gShadowClr,0,0 )
}

function _TBSetI()
{
	var t=3Dthis
	if( t.mIsOn && !t.GetState() )
		t.ChgState( gFaceClr,gFaceClr,0,0 )
}

function _TBSetP()
{
	if( this.mIsOn )
		this.ChgState( gShadowClr,gHiliteClr,1,1 )
}

function _TBSetD()
{  =20
	this.ChgState( gFaceClr,gFaceClr,0,0 )
	this.mIsOn =3D 0
}

function _TBSetE()
{
	var t=3Dthis
	if( !t.GetState() )
		t.ChgState( gFaceClr,gFaceClr,0,0 )
	else
		t.ChgState( gShadowClr,gHiliteClr,1,1 )
	t.mIsOn =3D 1
}

function _TBP()
{
	var t=3Dthis
	if( t.mIsOn ) {=20
		if( t.UserAction !=3D null )
			t.UserAction()
        if( !t.GetState )
            return
		if( t.GetState() )
			t.SetPressed()
		else
			t.SetActive()
	} =20
}

function _TBUI( clr1,clr2,lOffset,tOffset )
{
	SetBorder( GetObj( this.mObjId ),clr1,clr2 )
	Offset( GetObj( this.m_elementsId ),lOffset,tOffset )
}

function Offset( obj, top, left ){ obj.style.top=3Dtop; obj.style.left=3Dle=
ft }

function SetBorder( obj, upperLeft, lowerRight )
{
	s=3Dobj.style;
	s.borderStyle      =3D "solid"
	s.borderWidth      =3D 1=20
	s.borderLeftColor  =3D s.borderTopColor =3D upperLeft
	s.borderBottomColor=3D s.borderRightColor =3D lowerRight
}

function GetBtnObj(){ return gBtnArr[window.event.srcElement.id] }

function BtnOnOver(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetActive() }

function BtnOnDown(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetPressed() }

function BtnOnOut(){ b=3DGetBtnObj(); if( b !=3D null ) b.SetInactive() }

function BtnOnUp()
{
	b=3DGetBtnObj()
	if( b !=3D null )
		b.Perform()
	else
		Upd()
}
function GetNtsState(){ return parent.gNtsOpen }

function GetOtlState(){ return parent.gOtlOpen }

function GetOtlTxtState(){ return parent.gOtlTxtExp }

function NtsBtnSetFlag( fVal )
{
	s=3Ddocument.all.item( this.m_flagId ).style
	s.display=3D"none"
	if( fVal )
		s.display=3D""
	else
		s.display=3D"none"
}

function _BSetA_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etActive() }

function _BSetI_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etInactive() }

function _BSetP_Border(){ b =3D gBtnArr[this.mObjId]; if( b !=3D null ) b.S=
etPressed() }

function _BSetA_BorderImg()
{=20
	b =3D gBtnArr[this.mBorderId]=20
	if( b !=3D null && this.mIsOn && !b.GetState() ) {
		obj=3Dthis.ChgState( gHiliteClr,gShadowClr,2 )
		obj.style.posTop=3D0
	}
}

function _BSetI_BorderImg()
{=20
	b =3D gBtnArr[this.mBorderId]
	if( b !=3D null && this.mIsOn && !b.GetState() ) {
		obj=3Dthis.ChgState( gFaceClr,gFaceClr,1 )
		obj.style.posTop=3D0
	}
}


var gHiliteClr=3D"THREEDHIGHLIGHT",gShadowClr=3D"THREEDSHADOW",gFaceClr=3D"=
THREEDFACE"
var gBtnArr =3D new Array()
gBtnArr["nb_otl"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOtlPan=
e,GetOtlState )
gBtnArr["nb_otlElem"] =3D new TxtBtn( "nb_otl","nb_otlElem",parent.ToggleOt=
lPane,GetOtlState )
gBtnArr["nb_nts"] =3D new ImgBtn( "nb_nts","nb_ntsBorder",10,parent.ToggleN=
tsPane )
gBtnArr["nb_nts"].SetActive =3D _BSetA_BorderImg;
gBtnArr["nb_nts"].SetInactive =3D _BSetI_BorderImg;
gBtnArr["nb_ntsBorder"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.=
ToggleNtsPane,GetNtsState )
gBtnArr["nb_ntsElem"] =3D new TxtBtn( "nb_ntsBorder","nb_ntsElem",parent.To=
ggleNtsPane,GetNtsState )
gBtnArr["nb_prevBorder"] =3D gBtnArr["nb_prev"]=3D new ImgBtn( "nb_prev","n=
b_prevBorder",30,parent.GoToPrevSld )
gBtnArr["nb_nextBorder"] =3D gBtnArr["nb_next"]=3D new ImgBtn( "nb_next","n=
b_nextBorder",30,parent.GoToNextSld )
gBtnArr["nb_sldshw"]=3D new ImgBtn( "nb_sldshw","nb_sldshwBorder",18,parent=
.FullScreen )
gBtnArr["nb_sldshwBorder"] =3D new TxtBtn( "nb_sldshw","nb_sldshwBorder",pa=
rent.FullScreen,null )
gBtnArr["nb_sldshwBorder"].SetActive =3D _BSetA_Border;
gBtnArr["nb_sldshwBorder"].SetInactive =3D _BSetI_Border;
gBtnArr["nb_sldshwText"] =3D new TxtBtn( "nb_sldshw","nb_sldshwText",parent=
.FullScreen,null )
gBtnArr["nb_sldshwText"].SetActive =3D _BSetA_Border;
gBtnArr["nb_sldshwText"].SetInactive =3D _BSetI_Border;
gBtnArr["nb_voice"] =3D gBtnArr["nb_voiceBorder"] =3D new ImgBtn( "nb_voice=
","nb_voiceBorder",18,parent.ToggleVNarration )
gBtnArr["nb_otlTxtBorder"] =3D gBtnArr["nb_otlTxt"]=3D new ImgBtn( "nb_otlT=
xt","nb_otlTxtBorder",23,parent.ToggleOtlText )
gBtnArr["nb_ntsBorder"].m_flagId=3D "nb_nts"
gBtnArr["nb_ntsBorder"].SetFlag =3D NtsBtnSetFlag
gBtnArr["nb_otlTxt"].ChangeIcon=3D GetOtlTxtState

/*********************************************
 Context menu implementation

 _CM() is the function that's hooked up to
 the oncontextmenu event. Once we're asked to
 show the menu, we first build it by creating
 DIVs on-the-fly. Then we position it=20
 within the screen area so it doesn't get
 clipped.

 Creating the DIVs using createElement() means
 we don't have to write out any extra HTML
 into the slide HTML files.
**********************************************/
var sNext=3D"Next",sPrev=3D"Previous",sEnd=3D"End Show",sFont=3D"Arial",sAr=
row=3D"Arrow",sFreeform=3D"Freeform",sRect=3D"Rectangle",sOval=3D"Oval"

function ShowMenu()
{
	BuildMenu();
	var doc=3DPPTSld.document.body,x=3DPPTSld.event.clientX+doc.scrollLeft,y=
=3DPPTSld.event.clientY+doc.scrollTop
	m =3D PPTSld.document.all.item("ctxtmenu")
	m.style.pixelLeft=3Dx
	if( (x+m.scrollWidth > doc.clientWidth)&&(x-m.scrollWidth > 0) )
		m.style.pixelLeft=3Dx-m.scrollWidth

	m.style.pixelTop=3Dy
	if( (y+m.scrollHeight > doc.clientHeight)&&(y-m.scrollHeight > 0) )
		m.style.pixelTop=3Dy-m.scrollHeight

	m.style.display=3D""
}

function _CM()
{
	if( !parent.IsFullScrMode() ) return;
	if(!PPTSld.event.ctrlKey) {
		ShowMenu()
		return false
	} else
		HideMenu()
}

function BuildMenu()
{
	if( PPTSld.document.all.item("ctxtmenu") ) return

	var mObj=3DCreateItem( PPTSld.document.body )
	mObj.id=3D"ctxtmenu"
	mObj.style.visibility=3D"hidden"
	var s=3DmObj.style
	s.position=3D"absolute"
	s.cursor=3D"default"
	s.width=3D"120px"
	SetCMBorder(mObj,"menu","black")

	var iObj=3DCreateItem( mObj )
	SetCMBorder( iObj, "threedhighlight","threedshadow" )
	iObj.style.padding=3D2
	CreateMenuItem( iObj,sNext,M_GoNextSld,M_True )
	CreateMenuItem( iObj,sPrev,M_GoPrevSld,M_HasPrevSld )
=09
	CreateSeparator( iObj )
	CreateMenuItem( iObj,sEnd,M_End,M_True )
	mObj.style.visibility=3D"visible"
}

function Cancel() { window.event.cancelBubble=3Dtrue; window.event.returnVa=
lue=3Dfalse }

function Highlight() { ChangeClr("activecaption","threedhighlight") }

function Deselect() { ChangeClr("threedface","menutext") }

function Perform()
{
	e=3DPPTSld.event.srcElement
	if( e.type=3D=3D"menuitem" && e.IsActive() )
		e.Action()
	else
		PPTSld.event.cancelBubble=3Dtrue
}
function ChangeClr( bg,clr )
{
	e=3DPPTSld.event.srcElement
	if( e.type=3D=3D"menuitem" && e.IsActive() ) {
		e.style.backgroundColor=3Dbg
		e.style.color=3Dclr
	}
}

function M_HasPrevSld() { return( parent.HasPrevSld() ) }

function M_GoNextSld() { if( gIsEndShow ) M_End(); else GoToNextSld() }

function M_GoPrevSld() { if( gIsEndShow ) { gIsEndShow=3D0; history.back();=
 PPTSld.event.cancelBubble=3Dtrue; } else GoToPrevSld() }

function M_True() { return true }

function M_End() { window.close( self ) }

function CreateMenuItem( node,text,action,eval )
{
	var e=3DCreateItem( node )
	e.type=3D"menuitem"
	e.Action=3Daction
	e.IsActive=3Deval
	e.innerHTML=3Dtext

	if( !e.IsActive() )
		e.style.color=3D"threedshadow"

	e.onclick=3DPerform
	e.onmouseover=3DHighlight
	e.onmouseout=3DDeselect
	s=3De.style;
	s.fontFamily=3DsFont
	s.fontSize=3D"9pt"
	s.paddingLeft=3D2
}

function CreateSeparator( node )
{
	var sObj=3DCreateItem( node )
	SetCMBorder(sObj,"menu","menu")
	var s=3DsObj.style
	s.borderTopColor=3D"threedshadow"
	s.borderBottomColor=3D"threedhighlight"
	s.height=3D1
	s.fontSize=3D"0px"
}

function CreateItem( node )
{
	var elem=3DPPTSld.document.createElement("DIV")
	node.insertBefore( elem )
	return elem
}

function SetCMBorder( o,ltClr,rbClr )
{
	var s=3Do.style
	s.backgroundColor=3D"menu"
	s.borderStyle=3D"solid"
	s.borderWidth=3D1
	s.borderColor=3DltClr+" "+rbClr+" "+rbClr+" "+ltClr
}
------=_NextPart_01C9CD61.69DFB480
Content-Location: file:///C:/515CB117/HSA_overview_files/fullscreen.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"

<html>

<head>
<meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii">
<meta name=3DProgId content=3DPowerPoint.Slide>
<meta name=3DGenerator content=3D"Microsoft PowerPoint 11">
<link id=3DMain-File rel=3DMain-File href=3D"../HSA_overview.htm">
<![if IE]>
<base href=3D"file:///C:\515CB117\HSA_overview_files\fullscreen.htm"
id=3D"webarch_temp_base_tag">
<![endif]><script src=3Dscript.js></script>
<script><!--
var SCREEN_MODE   =3D "FullScreen";

function Load() {
	str=3Dunescape(document.location.hash),idx=3Dstr.indexOf('#')
	if(idx>=3D0) str=3Dstr.substr(1);
	if(!str) str =3D "slide0112.htm";
=09
	if (MHTMLPrefix !=3D "")
	{
		str =3D RemoveFilePrefixFromHref(str);
		PPTSld.location.replace(MHTMLPrefix+escape(str));=09
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	else
	{
		PPTSld.location.replace(str);
	}
}

function Unload() {
	if ( document.body.PPTSldFrameset !=3D null )
		document.body.PPTSldFrameset.frames[1].document.body.resume();
}

//-->
</script>
</head>

<frameset rows=3D"*" frameborder=3D0 onload=3D"Load()" onunload=3D"Unload()=
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------=_NextPart_01C9CD61.69DFB480
Content-Location: file:///C:/515CB117/HSA_overview_files/frame.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"

<html>

<head>
<meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii">
<meta name=3DProgId content=3DPowerPoint.Slide>
<meta name=3DGenerator content=3D"Microsoft PowerPoint 11">
<link id=3DMain-File rel=3DMain-File href=3D"../HSA_overview.htm">
<title>Slide 1</title>
<![if IE]>
<base href=3D"file:///C:\515CB117\HSA_overview_files\frame.htm"
id=3D"webarch_temp_base_tag">
<![endif]><![if !ppt]><script src=3Dscript.js></script><script>
<!--
var gNavLoaded =3D gOtlNavLoaded =3D gOtlLoaded =3D false;
function Load()
{
	str=3Dunescape(document.location.hash),idx=3Dstr.indexOf('#')
	if(idx>=3D0) str=3Dstr.substr(1);
	if(str) PPTSld.location.replace(escape(str));
}
//-->
</script><!--[if gte IE 5]>
<object id=3DMSOANIM classid=3D"CLSID:A4639D2F-774E-11D3-A490-00C04F6843FB"
 codebase=3D"http://download.microsoft.com/download/PowerPoint2002/Install/=
10.0.2609/WIN98MeXP/EN-US/msorun.cab#version=3D11,0,0,1"></object>
<![endif]-->
<![endif]>
</head>

<frameset rows=3D"*,25" border=3D0>
 <frameset cols=3D"25%,*" id=3DPPTHorizAdjust framespacing=3D2>
  <frameset rows=3D"100%,*">
   <frame src=3Doutline.htm title=3D"Outline" name=3DPPTOtl>
  </frameset>
  <frameset rows=3D"*,40" id=3DPPTVertAdjust framespacing=3D2 frameborder=
=3D1
   onload=3D"Load()">
   <frame src=3Dslide0112.htm title=3D"Slide" name=3DPPTSld>
   <frame src=3Dslide0112.htm title=3D"Notes" name=3DPPTNts>
  </frameset>
 </frameset>
 <frameset cols=3D"25%,*" framespacing=3D1>
  <frame src=3Doutline.htm title=3D"Outline
Navigation Bar" name=3DPPTOtlNav scrolling=3Dno noresize>
  <frame src=3Doutline.htm title=3D"Slide
Navigation Bar" name=3DPPTNav scrolling=3Dno noresize>
 </frameset>
</frameset>
</html>

------=_NextPart_01C9CD61.69DFB480
Content-Location: file:///C:/515CB117/HSA_overview_files/outline.htm
Content-Transfer-Encoding: quoted-printable
Content-Type: text/html; charset="us-ascii"

<html>

<head>
<meta http-equiv=3DContent-Type content=3D"text/html; charset=3Dus-ascii">
<meta name=3DProgId content=3DPowerPoint.Slide>
<meta name=3DGenerator content=3D"Microsoft PowerPoint 11">
<link id=3DMain-File rel=3DMain-File href=3D"../HSA_overview.htm">
<![if IE]>
<base href=3D"file:///C:\515CB117\HSA_overview_files\outline.htm"
id=3D"webarch_temp_base_tag">
<![endif]>
<meta name=3DRobots content=3DNoIndex>
<script src=3Dscript.js></script><script><!--

if( !(IsWin("PPTOtl")||IsWin("PPTNav")||IsWin("PPTOtlNav")) )
{
	obj =3D GetObj("Main-File")
	parent.location.href=3Dobj.href
}

var gOtlHiliteClr=3D"#333399",gOtlNormalClr=3D"#ffffff",gOtlActiveClr=3D"#0=
09999",gSelected=3D"",gTxtState=3Dfalse,gChildEntryTable=3Dnew Array()

function Load()
{
	if( IsWin("PPTOtl" ) ){ LoadOtl(); parent.gOtlLoaded=3Dtrue; return }
	if( g_supportsPPTHTML ) {
		if( IsWin("PPTNav" ) ){ LoadNav("NavObj",UpdNav); parent.gNavLoaded=3Dtru=
e; return }
		if( IsWin("PPTOtlNav" ) ){ LoadNav("OtlNavObj",UpdOtlNav); parent.gOtlNav=
Loaded=3Dtrue; return }
	}
}
function Upd(){ if( IsWin("PPTNav") ) LoadNav("NavObj",UpdNav) }
function LoadNav( oId,UpdFunc )
{
	document.ondragstart=3DCancelDrag
	document.onselectstart=3DCancelDrag
	document.body.style.margin=3D2
	UpdFunc()
	obj=3Ddocument.all.item(oId)
	obj.style.display=3D"block"
	obj.style.visibility=3D"visible"
	document.bgColor=3D"threedface"

	if( parent.frames["PPTNts"] )
		notesBtn.style.display =3D ""
	if( parent.gHasNarration )
		nb_voiceBorder.style.display =3D ""
}
function LoadOtl()
{
	var otl=3DGetObj("OtlObj")
	otl.style.display=3D"block"
	otl.style.visibility=3D"visible"
	if( gOtlActiveClr =3D=3D "" ) gOtlActiveClr=3Ddocument.linkColor
	if( gOtlHiliteClr =3D=3D "" ) gOtlHiliteClr=3Ddocument.fgColor
	if( gOtlNormalClr =3D=3D "" )
		gOtlNormalClr=3Ddocument.bgColor
	else
		document.bgColor=3DgOtlNormalClr =20

	InitArray()

	if( ObjExists( parent.gCurSld ) ) {
		ChangeState( parent.gCurSld,gOtlNormalClr,gOtlHiliteClr )
		gSelected=3Dparent.gCurSld
	}
	else gSelected =3D -1

	UpdOtl()
}
function UpdOtl(){ UpdIdx(parent.gCurSld) }
function UpdIdx( idx )
{
	if( gSelected !=3D idx ) {
		if( gSelected > 0 )
			ChangeState( gSelected,gOtlHiliteClr,gOtlNormalClr )

		if( ObjExists( idx ) ) {
			gSelected =3D idx
			ChangeState( gSelected,gOtlNormalClr,gOtlHiliteClr )
		}
		else gSelected =3D -1
	}

	if( gTxtState !=3D parent.gOtlTxtExp ) {
		state =3D "block"
		if( !parent.gOtlTxtExp )
			state=3D"none"

		for(ii=3D0; ii<gChildEntryTable.length; ii++) {
			obj=3DgChildEntryTable[ii];
			if( obj.id =3D=3D null ) continue;

			if( obj.id.indexOf("PPTC") >=3D 0 )
				obj.style.display=3Dstate;
		}=20
		gTxtState=3Dparent.gOtlTxtExp
		if( ObjExists( gSelected ) )
			ChangeState( gSelected,gOtlNormalClr,gOtlHiliteClr )
	}
}
function InitArray()
{
	count=3D0
	var list=3DGetTags(document,"DIV");
	for(ii=3D0; ii<list.length; ii++) {
		obj=3Dlist.item(ii)
		if( obj.id =3D=3D null ) continue

		if( obj.id.indexOf("PPTC") >=3D 0 ) =20
			gChildEntryTable[count++]=3Dobj
	}
}
function ChangeState( idx,fgColor,bgColor )
{
	obj=3DGetObj("PPTL"+idx)
	obj.style.color=3DfgColor

	obj=3DGetObj("PPTP"+idx)
	obj.style.backgroundColor=3DbgColor
}
function ChgClr( o,clr ){ if( o.id !=3D "PPTL"+gSelected ) o.style.color=3D=
clr }
function Over( src ){ ChgClr(GetLink(src),gOtlActiveClr) }
function Out( src ){ ChgClr(GetLink(src),gOtlHiliteClr) }
function Follow(src){ window.location.href =3D GetLink(src).href; }
function ObjExists( ii ) { obj=3DGetObj("PPTP"+ii ); return( obj ) }
function GoToSld( href ){ UpdIdx(parent.GetSldNum(href)); parent.GoToSld( h=
ref ) }
function CancelDrag(){ window.event.cancelBubble=3Dtrue;window.event.return=
Value=3Dfalse}
function GetLink(src)
{
   if(src.tagName=3D=3D"A") return src
   else return GetTags(src,"A").item(0)
}

function UpdNav()
{
	txt =3D "<center>";
	if( parent.GetHrefObj( parent.gCurSld ).mOrigVis =3D=3D 1 )
		txt +=3D "Slide " + parent.GetCurSldNum() + " of " + parent.GetNumSlds()
	else
		txt +=3D "Hidden Slide"
	txt +=3D "</center>";
	nav_text.innerHTML =3D txt;

	if( !parent.HasPrevSld() )
		gBtnArr["nb_prev"].Enabled(0)
	else
		gBtnArr["nb_prev"].Enabled(1)

	if( !parent.HasNextSld() )
		gBtnArr["nb_next"].Enabled(0)
	else
		gBtnArr["nb_next"].Enabled(1)
	gBtnArr["nb_nts"].Enabled(1)
	gBtnArr["nb_ntsBorder"].SetFlag( parent.gHasNts )

	gBtnArr["nb_sldshw"].Enabled(1)
	gBtnArr["nb_voice"].Enabled(1)
}

function ExecBtn()
{
	if (event.keyCode =3D=3D 13)
	{
		BtnOnDown();
		BtnOnUp();
	}
}
function UpdOtlNav()
{
	gBtnArr["nb_otl"].SetEnabled();

	if( parent.gOtlOpen )
		gBtnArr["nb_otlTxt"].Enabled( true );
	else
		document.all.item("nb_otlTxtBorder").style.visibility =3D "hidden";
}




//--></script>
<style>
<!--.PTxt
	{position:relative;
	width:100%;
	margin-top:5px;
	padding-left:2px;
	font-weight:bold;}
.CTxt
	{position:relative;
	width:100%;
	margin-top:5px;}
a
	{color:#333399;
	text-decoration:none;}
ul
	{color:#333399;
	margin-bottom:0px;
	margin-left:20px;}
.sldNum
	{margin-top:5px;
	color:#333399;}
.button
	{position:absolute;
	width:32px;
	height:20px;
	border-style:solid;
	border-width:1px;
	border-color:threedface;}
-->
</style>
</head>

<body onload=3D"Load()" style=3D'margin:2px'>

<div id=3DNavObj onload=3D"Load()" onmouseover=3D"BtnOnOver()"
onmousedown=3D"BtnOnDown()" onmouseout=3D"BtnOnOut()" onmouseup=3D"BtnOnUp(=
)"
onkeypress=3D"ExecBtn()" style=3D'display:none;visibility:hidden'>
<table id=3D"notesBtn" style=3D'display:none;position:relative;width:55px' =
align=3Dleft cellpadding=3D0
 cellspacing=3D0>
 <td nowrap>
 <div id=3D"nb_ntsElem" title=3D"Show/Hide
Notes" align=3Dcenter style=3D'position:relative;margin-left:5px;margin-rig=
ht:5px;padding:3px;
 font-family:Arial;color:buttontext;font-size:9pt; cursor:default'>
 <img src=3D"notes_flag.gif" id=3D"nb_nts" style=3D'display:none'> &nbsp;No=
tes</div>
 <div id=3D"nb_ntsBorder" title =3D"Show/Hide
Notes" onfocus=3D"BtnOnOver()" onblur=3D"BtnOnOut()" TABINDEX=3D1 style=3D'=
position:absolute;top:0%;left:0%;width:100%;height:20px'>

 </div>
 </td>
</table>


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ng=3D0>
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 <div style=3D'position:absolute;left:-18px;width:24px;height:20px;border-s=
tyle:
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<div id=3DOtlObj style=3D'display:none;visibility:hidden;'>


<table width=3D"100%" style=3D'font-family:Arial;font-size:9pt'>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>1</font></div>
  </td>
  <td width=3D"100%">
  <div id=3DPPTP1 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0112.htm');" id=3DPPTL1><span
  style=3D'mso-spacerun:yes'>&nbsp;</span></a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>2</font></div>
  </td>
  <td>
  <div id=3DPPTP2 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0187.htm');" id=3DPPTL2>HSA (Health Savi=
ngs
  Account) <br>
    Eligibility</a></font></div>
  <div id=3DPPTC2 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Covered by a qualified high-deductible health plan (HDHP)</li>
   <li>Not covered by any other non-HDHP coverage</li>
   <li>Not claimed as a dependent on another person&#8217;s tax return</li>
   <li>Not enrolled in Medicare A or B</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>3</font></div>
  </td>
  <td>
  <div id=3DPPTP3 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0333.htm');" id=3DPPTL3>What is a qualif=
ied
  high-deductible <br>
    health plan (HDHP)?</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>4</font></div>
  </td>
  <td>
  <div id=3DPPTP4 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0386.htm');" id=3DPPTL4>Basic HSA Plan C=
oncept</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>5</font></div>
  </td>
  <td>
  <div id=3DPPTP5 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0325.htm');" id=3DPPTL5>What is included=
 in
  <br>
    Out-of-Pocket Maximum?</a></font></div>
  <div id=3DPPTC5 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Included</li>
   <li>Deductible</li>
   <li>Co-insurance</li>
   <li>Co-pays</li>
   <br>
   <br>
   <li>Not Included</li>
   <li>Payment of or penalties for a service not pre-certified</li>
   <li>Payment to or penalties for non-network providers</li>
   <li>Amounts over the usual, customary, &amp; reasonable amounts</li>
   <li>Amounts for ineligible expenses</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>6</font></div>
  </td>
  <td>
  <div id=3DPPTP6 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0389.htm');" id=3DPPTL6>Advantages of an=
 HSA</a></font></div>
  <div id=3DPPTC6 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Funds roll over from year to year</li>
   <ul>
    <li>Eliminates the &#8220;use it or lose it&#8221; philosophy</li>
   </ul>
   <li>Tax benefits on contributions, earnings, and distributions</li>
   <li>Portability</li>
   <ul>
    <li>Funds go with you if you leave an employer or health plan</li>
    <li>Funds are always tax-free when used for qualifying medical expenses
        even if qualifying HDHP coverage ends</li>
   </ul>
   <li>Long-term investment opportunity</li>
   <ul>
    <ul>
     <li>Investment products are not FDIC insured, are not a deposit or oth=
er
         obligation of or guaranteed by the bank, and are subject to invest=
ment
         risks including possible loss of the principal amount invested.</l=
i>
    </ul>
   </ul>
   <li>You control your healthcare dollars and decide when to withdraw fund=
s</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>7</font></div>
  </td>
  <td>
  <div id=3DPPTP7 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0185.htm');" id=3DPPTL7>Basic HSA Concep=
t<br>
    Compare to IRA</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>8</font></div>
  </td>
  <td>
  <div id=3DPPTP8 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0387.htm');" id=3DPPTL8>Maximum Annual
  Contributions</a></font></div>
  <div id=3DPPTC8 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Are determined by the IRS</li>
   <ul>
    <li>$2,900 for individual or $5,800 for family coverage for 2008</li>
    <li>$3,000 for individual or $5,950 for family coverage for 2009</li>
   </ul>
   <li>Can be made during the calendar year and until the tax return due da=
te
       of April 15<sup>th</sup> the following year.</li>
   <li>Do not need to be prorated based on the date coverage began</li>
   <ul>
    <li>Some restrictions apply (examples provided on the next 2 slides)</l=
i>
   </ul>
   <br>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>9</font></div>
  </td>
  <td>
  <div id=3DPPTP9 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0371.htm');" id=3DPPTL9>Prorating Provis=
ion</a></font></div>
  <div id=3DPPTC9 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>If HDHP coverage begins after January 1<sup>st</sup> in a given year,
       contributions no longer need to be prorated as long as qualifying HD=
HP
       coverage continues through December 31<sup>st </sup>of the following
       year.</li>
   <ul>
    <li>Exception--Those who change from family to single plans will need to
        prorate based on the number of months under each type of coverage</=
li>
    <br>
    <br>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>10</font></div>
  </td>
  <td>
  <div id=3DPPTP10 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0388.htm');" id=3DPPTL10>Prorating Examp=
les</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>11</font></div>
  </td>
  <td>
  <div id=3DPPTP11 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0373.htm');" id=3DPPTL11>Additional HSA =
Funding
  Option</a></font></div>
  <div id=3DPPTC11 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>IRA funds may be rolled to an HSA on a one-time basis</li>
   <ul>
    <li>Subject to the annual HSA contribution maximum</li>
    <li>Only traditional IRAs qualify at this time</li>
    <li>Individuals must remain covered by a qualifying HDHP until the last=
 day
        of the 12th month following the month of rollover to avoid tax
        penalties</li>
    <br>
    <br>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>12</font></div>
  </td>
  <td>
  <div id=3DPPTP12 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0364.htm');" id=3DPPTL12>What is the cat=
ch-up
  contribution?</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>13</font></div>
  </td>
  <td>
  <div id=3DPPTP13 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0332.htm');" id=3DPPTL13>How contributio=
ns can
  be made</a></font></div>
  <div id=3DPPTC13 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Contributions to an HSA must be made in &#8220;cash&#8221;.<span
       style=3D'mso-spacerun:yes'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp=
;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
       </span>(contributions may not be made in the form of stock or other
       property)</li>
   <li>Through a cafeteria plan (if your employer has one in place)</li>
   <li>Online Contributions (through Internet Banking)</li>
   <ul>
    <li>Recurring or one-time, as needed</li>
   </ul>
   <li>Check</li>
   <ul>
    <li>With Contribution Form tear-off (with each statement or download fr=
om
        website)</li>
    <li>With Deposit Ticket</li>
   </ul>
   <li>One-time rollovers to HSAs from IRAs</li>
   <ul>
    <li>Some restrictions apply as previously noted</li>
   </ul>
   <li>Rollovers permitted once every 12 months</li>
   <ul>
    <li>MSA to HSA</li>
    <li>HSA to HSA</li>
   </ul>
   <li>Transfers are not limited</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>14</font></div>
  </td>
  <td>
  <div id=3DPPTP14 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0365.htm');" id=3DPPTL14>Who can contrib=
ute to
  an HSA?</a></font></div>
  <div id=3DPPTC14 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Accountholder</li>
   <ul>
    <li>Individual</li>
    <li>Self-Employed</li>
    <li>Employee</li>
   </ul>
   <br>
   <li>Employer</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>15</font></div>
  </td>
  <td>
  <div id=3DPPTP15 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0380.htm');" id=3DPPTL15>Coordinating HSA
  Contributions</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>16</font></div>
  </td>
  <td>
  <div id=3DPPTP16 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0222.htm');" id=3DPPTL16>When can distri=
butions
  be taken <br>
    from an HSA?</a></font></div>
  <div id=3DPPTC16 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>HSA dollars can always be used to pay for qualified expenses on a
       tax-free basis, regardless of age or healthcare coverage</li>
   <ul>
    <li>If HDHP coverage ends, contributions cannot be made to an HSA, but<=
span
        style=3D'mso-spacerun:yes'>&nbsp; </span>distributions to pay for
        qualified expenses are always allowed.</li>
    <li>If reimbursing expenses from previous years, sufficient records mus=
t be
        maintained to prove the expense was not previously reimbursed.</li>
    <br>
    <br>
   </ul>
   <li>HSA dollars can be withdrawn for any non-qualified expense prior to =
age
       65, subject to a 10% penalty and regular income tax.</li>
   <br>
   <br>
   <li>After age 65, withdrawals can be made to pay for any non-qualified
       expense, subject to regular income tax.</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>17</font></div>
  </td>
  <td>
  <div id=3DPPTP17 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0390.htm');" id=3DPPTL17>What are Qualif=
ied
  Expenses?</a></font></div>
  <div id=3DPPTC17 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>	A Qualified Expense is generally any expense incurred to maintain an
       individual&#8217;s health or the health of their family, including:<=
/li>
   <ul>
    <li>Doctor and hospital visits</li>
    <li>Medical equipment</li>
    <li>Dental care, braces, dentures</li>
    <li>Vision care, glasses &amp; contacts</li>
    <li>Medications, including certain over-the-counter versions</li>
    <li>Transportation costs associated with healthcare</li>
    <li>	*A definition of Qualified Medical Expense is provided in Section
        213(d) of Internal Revenue Code. A list of eligible medical expenses
        can be found in IRS Publication 502. Check with your tax advisor ab=
out
        expenses not on the list. For more information, visit www.hsabank.c=
om.</li>
    <br>
    <br>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>18</font></div>
  </td>
  <td>
  <div id=3DPPTP18 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0382.htm');" id=3DPPTL18><span
  style=3D'mso-spacerun:yes'>&nbsp;</span>Negotiating Payments</a></font></=
div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>19</font></div>
  </td>
  <td>
  <div id=3DPPTP19 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0318.htm');" id=3DPPTL19>Other eligible =
medical
  expenses</a></font></div>
  <div id=3DPPTC19 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Premiums for long-term care insurance</li>
   <ul>
    <li>Limited to amount listed in 213(d)(10)</li>
   </ul>
   <li>Premiums for &quot;COBRA&#8221;</li>
   <li>Premiums for coverage while receiving unemployment compensation</li>
   <li>Premiums for individuals over age 65</li>
   <ul>
    <li>Retirement Health Benefits</li>
    <li>Medicare Premiums</li>
   </ul>
   <br>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>20</font></div>
  </td>
  <td>
  <div id=3DPPTP20 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0328.htm');" id=3DPPTL20>Additional Heal=
th Plan
  Guidelines</a></font></div>
  <div id=3DPPTC20 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Plans cannot provide benefits before the deductible is met, except f=
or preventive
       care, permitted insurance, or permitted coverage</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>21</font></div>
  </td>
  <td>
  <div id=3DPPTP21 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0329.htm');" id=3DPPTL21>What preventive=
 care
  benefits <br>
    can a plan offer?</a></font></div>
  <div id=3DPPTC21 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Periodic health evaluations</li>
   <li>Routine prenatal and well-child care</li>
   <li>Immunizations</li>
   <li>Tobacco cessation programs</li>
   <li>Obesity weight-loss programs</li>
   <li>Screening services</li>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>22</font></div>
  </td>
  <td>
  <div id=3DPPTP22 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0330.htm');" id=3DPPTL22>What benefits a=
re not
  considered <br>
    Preventive Care?</a></font></div>
  <div id=3DPPTC22 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Generally, preventive care does not include any service or benefit
       intended to treat an existing illness, injury, or condition.</li>
   <ul>
    <li>&#8220;Preventive care&#8221; for purposes of establishing an HSA a=
re
        determined by the IRS, rather than state law.</li>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>23</font></div>
  </td>
  <td>
  <div id=3DPPTP23 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0324.htm');" id=3DPPTL23>What other kind=
s of
  coverage may <br>
    an individual have with an HSA?</a></font></div>
  <div id=3DPPTC23 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Insurance Coverage</li>
   <li><span style=3D'mso-spacerun:yes'>&nbsp;</span>Accidents</li>
   <li><span style=3D'mso-spacerun:yes'>&nbsp;</span>Disability</li>
   <li><span style=3D'mso-spacerun:yes'>&nbsp;</span>Dental care</li>
   <li><span style=3D'mso-spacerun:yes'>&nbsp;</span>Vision care</li>
   <li><span style=3D'mso-spacerun:yes'>&nbsp;</span>Long-term care</li>
   <li><span style=3D'mso-spacerun:yes'>&nbsp;</span>Specified disease or i=
llness</li>
   <li><span style=3D'mso-spacerun:yes'>&nbsp;</span>Insurance that pays a =
fixed
       <br>
              <span style=3D'mso-spacerun:yes'>&nbsp;</span>amount/day of
       hospitalization</li>
   <br>
   <br>
   <li>Other Coverage (Non-Insurance)</li>
   <li>Employee Assistance Plan</li>
   <ul>
    <li>If it does not provide significant benefits</li>
   </ul>
   <li>Self-funded worker&#8217;s <br>
              compensation</li>
   <li>Discount or pre-negotiated <br>
              pricing cards</li>
   <li>Cafeteria Plan</li>
   <ul>
    <li>FSAs must be designed for only specified coverage such as dental +
        vision</li>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>24</font></div>
  </td>
  <td>
  <div id=3DPPTP24 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0209.htm');" id=3DPPTL24>HSAs, HRAs, FSA=
s</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>25</font></div>
  </td>
  <td>
  <div id=3DPPTP25 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0378.htm');" id=3DPPTL25>Tax Treatment a=
nd
  Advantages for Employees/Accountholders</a></font></div>
  <div id=3DPPTC25 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Contributions are either pre-tax through a cafeteria plan (via paych=
eck)
       or tax-deductible</li>
   <li>Earnings</li>
   <ul>
    <li>HSAs grow in the same tax-deferred manner as IRAs</li>
    <li>Interest and investment income are also tax-free or tax-deferred</l=
i>
   </ul>
   <li>Distributions</li>
   <ul>
    <li>Withdrawals for qualified medical expenses are always tax-free. Aft=
er
        age 65, funds may be withdrawn for any reason without penalty, subj=
ect
        to regular income tax.</li>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>26</font></div>
  </td>
  <td>
  <div id=3DPPTP26 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0339.htm');" id=3DPPTL26>Tax Savings Exa=
mple</a></font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>27</font></div>
  </td>
  <td>
  <div id=3DPPTP27 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0287.htm');" id=3DPPTL27>Are HSAs changi=
ng
  spending behavior?</a></font></div>
  <div id=3DPPTC27 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Increased Consumerism in Healthcare</li>
   <li>(Research results from McKinsey &amp; Co., June 2005)<br>
              <br>
              Consumer-directed health plan holders were more value conscio=
us
       and attentive to wellness &amp; prevention and therefore:</li>
   <ul>
    <ul>
     <li>50% more likely to ask about costs</li>
     <li>30% more likely to get an annual exam</li>
     <li>25% more likely to engage in healthy behaviors</li>
     <li>20% more likely to comply with treatment regimens</li>
     <li>3 times more likely to choose less expensive options</li>
    </ul>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>28</font></div>
  </td>
  <td>
  <div id=3DPPTP28 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0351.htm');" id=3DPPTL28>Are HSAs changi=
ng
  spending behavior?</a></font></div>
  <div id=3DPPTC28 class=3DCTxt style=3D'display:none'><font size=3D2>
  <ul>
   <li>Based on HSA Bank&#8217;s customer base of over 186,000 accounts as =
of
       December 31, 2007</li>
   <ul>
    <li>96.5% of all open accounts rolled over funds from 2007 to 2008</li>
    <li>On average, accounts rolled $2,163 into 2008</li>
    <li>Average contribution per month =3D $214</li>
    <li>Average distribution per month =3D $173</li>
    <li>Average monthly savings =3D $41</li>
    <li>Nearly 18% of accountholders saved all contributed funds and rolled
        over an average balance of $4,013 into 2008.</li>
    <li>More than a third of accountholders saved at least 50% of their 2007
        contributions.</li>
   </ul>
  </ul>
  </font></div>
  </td>
 </tr>
 <tr onmouseover=3D"Over(this)" onmouseout=3D"Out(this)" onclick=3D"Follow(=
this)"
  style=3D'cursor:hand'>
  <td align=3Dright valign=3Dtop>
  <div class=3DsldNum><font size=3D2>29</font></div>
  </td>
  <td>
  <div id=3DPPTP29 class=3DPTxt><font size=3D2><a
  href=3D"javascript:GoToSld('slide0338.htm');" id=3DPPTL29>Thank you for
  considering&#8230;</a></font></div>
  </td>
 </tr>
</table>



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