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T Std";
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74%;
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><span
 style=3D'mso-special-format:bullet;position:absolute;left:-4.08%'>&#8226;<=
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 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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;</b></span></span></div>
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68;
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Helvetica LT Std"'><span
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/span></span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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 savings accounts since 1997 &#13;</span></span></div>
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68;
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Helvetica LT Std"'><span
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/span></span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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 employers&#13;</span></span></div>
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68;
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61%;
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1%;
 width:96.68%;height:100.0%'><span style=3D'font-family:"Helvetica LT Std"'=
><span
 style=3D'mso-special-format:bullet;position:absolute;left:-3.64%'>&#8211;<=
/span></span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std"'>Flexibility to serve all market
 sizes; Fortune 500 to individuals&#13;</span></span></div>
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68;
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 left:8.61%;width:90.44%;height:4.0%'><span style=3D'position:absolute;
 top:0%;left:3.51%;width:96.68%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-3.64%'>&#8211;<=
/span></span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std"'>Administer more than 385,000
 accounts nationwide&#13;</span></span></div>
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68;
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61%;
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1%;
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><span
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/span></span><span
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T Std";
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an></span></div>
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6;
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74%;
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 width:96.07%;height:100.0%'><span style=3D'font-family:"Helvetica LT Std"'=
><span
 style=3D'mso-special-format:bullet;position:absolute;left:-4.08%'>&#8226;<=
/span></span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std"'><b>Industry Leadership&#13;</b><=
/span></span></div>
 <div class=3DO1 style=3D'mso-line-spacing:"100 20 0";mso-margin-left-alt:4=
68;
 mso-char-wrap:1;mso-kinsoku-overflow:1;position:absolute;top:55.75%;
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Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-3.64%'>&#8211;<=
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 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std"'>Recognized leader in the HSA
 marketplace&#13;</span></span></div>
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68;
 mso-char-wrap:1;mso-kinsoku-overflow:1;position:absolute;top:60.5%;left:8.=
61%;
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><span
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 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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HSA
 deposits&#13;</span></span></div>
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68;
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in
 the industry</span></span></div>
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T Std";
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or-index:
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family:
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T Std";
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or-index:
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v>
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t-indent-alt:
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a LT Std";
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xt-indent-alt:
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zed
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T Std";
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14+
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Years
 of Industry&#13;</span></div>
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span></div>
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flow:
 1;position:absolute;top:24.75%;left:9.36%;width:82.95%;height:6.0%'><span
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T Std";
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T Std";
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ku-overflow:
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 Bank&#8217;s Purpose</div>
 <div v:shape=3D"_x0000_s7171">
 <div class=3DB style=3D'mso-line-spacing:"110 10 10";mso-char-wrap:1;mso-k=
insoku-overflow:
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ute;
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mily:
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 understand </b></span><span style=3D'font-family:"Helvetica LT Std";mso-as=
cii-font-family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";color:black;
 mso-color-index:1'><b><u>your</u></b></span><span style=3D'font-family:"He=
lvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
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on:
 absolute;top:28.25%;left:8.98%;width:85.2%;height:6.75%'><span
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T Std";
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insoku-overflow:
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o;</span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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 &#13;</b></span></div>
 <div class=3DB style=3D'mso-line-spacing:"110 10 10";mso-char-wrap:1;mso-k=
insoku-overflow:
 1;position:absolute;top:47.0%;left:5.24%;width:88.95%;height:6.75%'><span
 style=3D'mso-special-format:nobullet;display:none;font-family:Arial'>&raqu=
o;</span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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n></div>
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nsoku-overflow:
 1'><span style=3D'position:absolute;top:56.0%;left:17.6%;width:78.83%;
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 mso-color-index:1'><span style=3D'mso-special-format:bullet;position:absol=
ute;
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mily:
 "Helvetica LT Std";mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font=
-family:
 "Helvetica LT Std";color:black;mso-color-index:1'>Help design an HSA progr=
am
 unique to your </span></span><span style=3D'position:absolute;top:63.0%;
 left:17.6%;width:76.4%;height:5.25%'><span style=3D'font-family:"Helvetica=
 LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 color:black;mso-color-index:1'>business needs &#13;</span></span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"130 0 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1;position:absolute;top:69.75%;left:15.16%;width:79.02%;height:5.25%'><span
 style=3D'position:absolute;top:0%;left:3.08%;width:96.68%;height:100.0%'><=
span
 style=3D'font-family:"Helvetica LT Std";color:black;mso-color-index:1'><sp=
an
 style=3D'mso-special-format:bullet;position:absolute;left:-3.18%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 color:black;mso-color-index:1'>Increase employee satisfaction&#13;</span><=
/span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"130 0 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1;position:absolute;top:76.75%;left:15.16%;width:79.02%;height:5.25%'><span
 style=3D'position:absolute;top:0%;left:3.08%;width:96.68%;height:100.0%'><=
span
 style=3D'font-family:"Helvetica LT Std";color:black;mso-color-index:1'><sp=
an
 style=3D'mso-special-format:bullet;position:absolute;left:-3.18%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 color:black;mso-color-index:1'>Lower benefit costs and your work load &#13=
;</span></span></div>
 <div class=3DB2 style=3D'mso-line-spacing:"130 0 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1;position:absolute;top:83.5%;left:15.16%;width:79.02%;height:5.75%'><span
 style=3D'position:absolute;top:0%;left:3.08%;width:96.68%;height:100.0%'><=
span
 style=3D'font-family:"Helvetica LT Std";color:black;mso-color-index:1'><sp=
an
 style=3D'mso-special-format:bullet;position:absolute;left:-3.18%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 color:black;mso-color-index:1'>Properly educate employees</span><span
 style=3D'mso-special-format:lastCR;display:none'>&#13;</span></span></div>
 </div>
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 <div v:shape=3D"_x0000_s9218" class=3DT style=3D'mso-char-wrap:1;mso-kinso=
ku-overflow:
 1;position:absolute;top:6.75%;left:4.3%;width:91.57%;height:6.75%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std"'>Enrollment Options</span></div>
 <div v:shape=3D"_x0000_s9220">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1;position:absolute;top:23.25%;left:4.3%;width:13.48%;height:4.0%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";color:white;mso-color-index:0'><b=
>Option</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s9221">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:23.25%;left:19.66%;width:47=
.0%;
 height:4.0%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";color:white;
 mso-color-index:0'><b>Option Description</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s9222">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:23.25%;left:68.53%;width:27=
.34%;
 height:4.0%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";color:white;
 mso-color-index:0'><b>Best For</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s9223">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1'><span style=3D'position:absolute;top:28.5%;left:4.3%;width:16.1%;height=
:3.5%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>Group Online </spa=
n></span><span
 style=3D'position:absolute;top:32.0%;left:4.3%;width:13.48%;height:3.5%'><=
span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>Enrollment </span>=
</span><span
 style=3D'position:absolute;top:35.5%;left:4.3%;width:13.48%;height:3.5%'><=
span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>(GOE)</span></span=
></div>
 </div>
 <div v:shape=3D"_x0000_s9224">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1'><span style=3D'position:absolute;top:28.5%;left:19.66%;width:52.62%;
 height:3.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:89%'=
>GOE
 is a two-part system &#8211; employer set up </span></span><span
 style=3D'position:absolute;top:32.0%;left:19.66%;width:55.99%;height:3.5%'=
><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>and employee
 enrollment. The employer set up </span></span><span style=3D'position:abso=
lute;
 top:35.5%;left:19.66%;width:54.49%;height:3.5%'><span style=3D'font-family=
:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 font-size:89%'>allows you to choose the way your employees </span></span><=
span
 style=3D'position:absolute;top:39.0%;left:19.66%;width:51.49%;height:3.5%'=
><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>enroll, when the
 applications are processed </span></span><span style=3D'position:absolute;
 top:42.75%;left:19.66%;width:47.0%;height:3.5%'><span style=3D'font-family=
:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 font-size:89%'>and who will pay for account fees.</span></span></div>
 </div>
 <div v:shape=3D"_x0000_s9225">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:28.5%;left:68.53%;width:27.=
34%;
 height:3.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:89%'=
>Employers
 of any size</span></div>
 </div>
 <div v:shape=3D"_x0000_s9226">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1'><span style=3D'position:absolute;top:48.5%;left:4.3%;width:13.48%;heigh=
t:
 3.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:=
"Helvetica LT Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>Electronic </span>=
</span><span
 style=3D'position:absolute;top:52.0%;left:4.3%;width:13.48%;height:3.5%'><=
span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>Enrollment</span><=
/span></div>
 </div>
 <div v:shape=3D"_x0000_s9227">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1'><span style=3D'position:absolute;top:48.5%;left:19.66%;width:55.99%;
 height:3.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:89%'=
>Allows
 HSA Bank to open an account based on </span></span><span style=3D'position=
:absolute;
 top:52.0%;left:19.66%;width:50.74%;height:3.5%'><span style=3D'font-family=
:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 font-size:89%'>an electronic file and the employer or third-</span></span>=
<span
 style=3D'position:absolute;top:55.5%;left:19.66%;width:52.62%;height:3.5%'=
><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>party demonstrating
 the employee&#8217;s intent to </span></span><span style=3D'position:absol=
ute;
 top:59.25%;left:19.66%;width:47.0%;height:3.5%'><span style=3D'font-family=
:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 font-size:89%'>open an HSA.</span></span></div>
 </div>
 <div v:shape=3D"_x0000_s9228">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:48.5%;left:68.35%;width:27.=
52%;
 height:3.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:89%'=
>Large
 employer groups</span></div>
 </div>
 <div v:shape=3D"_x0000_s9229">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1'><span style=3D'position:absolute;top:64.0%;left:4.3%;width:13.48%;heigh=
t:
 3.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:=
"Helvetica LT Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>Individual </span>=
</span><span
 style=3D'position:absolute;top:67.5%;left:4.3%;width:13.48%;height:3.5%'><=
span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>Online </span></sp=
an><span
 style=3D'position:absolute;top:71.25%;left:4.3%;width:13.48%;height:3.5%'>=
<span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>Enrollment</span><=
/span></div>
 </div>
 <div v:shape=3D"_x0000_s9230">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1'><span style=3D'position:absolute;top:64.0%;left:19.66%;width:56.17%;
 height:3.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:89%'=
>Enrollment
 for employers that will not be paying </span></span><span style=3D'positio=
n:
 absolute;top:67.5%;left:19.66%;width:47.0%;height:3.5%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>for fees, nor will=
 be
 involved in ongoing </span></span><span style=3D'position:absolute;top:71.=
25%;
 left:19.66%;width:47.0%;height:3.5%'><span style=3D'font-family:"Helvetica=
 LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 font-size:89%'>contributions. </span></span></div>
 </div>
 <div v:shape=3D"_x0000_s9231">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1'><span style=3D'position:absolute;top:64.0%;left:=
65.91%;
 width:32.58%;height:3.5%'><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std";
 font-size:89%'>Small employer groups that </span></span><span
 style=3D'position:absolute;top:67.5%;left:65.91%;width:32.58%;height:3.5%'=
><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:89%'>are </span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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/span><span
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n><span
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span
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 Bank&#8217;s Group Online Enrollment system allows </b></span></span><span
 style=3D'position:absolute;top:71.25%;left:5.24%;width:42.32%;height:2.75%=
'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
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T Std";
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 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:67%'=
><b><span
 style=3D'mso-spacerun:yes'>&nbsp;</span>enrollment process easier for your
 employees by </b></span></span><span style=3D'position:absolute;top:79.25%;
 left:1.12%;width:50.56%;height:2.75%'><span style=3D'font-family:"Helvetic=
a LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
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/b></span></span><span
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><span
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T Std";
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 how
 to format the census data file as </b></span></span><span style=3D'positio=
n:
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 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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soft
 Excel file.</b></span><span style=3D'font-family:"Helvetica LT Std";mso-as=
cii-font-family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:67%;
 mso-special-format:lastCR;display:none'>&#13;</span></span></div>
 </div>
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oku-overflow:
 1;position:absolute;top:6.75%;left:5.24%;width:91.57%;height:6.75%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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v>
 <div v:shape=3D"_x0000_s11267">
 <div class=3DHB style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:a=
bsolute;
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olute;
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Helvetica LT Std";
 color:black;mso-color-index:1'><span style=3D'mso-special-format:bullet;
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 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";color:black;mso-color-index:1'>How
 are they made&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:32.75%;left:8.42%;width:39.88%;height:5.25%'><span style=3D'position:a=
bsolute;
 top:0%;left:7.98%;width:92.01%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-8.67%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std"'>Online&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:39.0%;left:8.42%;width:39.88%;height:5.25%'><span style=3D'position:ab=
solute;
 top:0%;left:7.98%;width:92.01%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-8.67%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std"'>Check&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:45.5%;left:8.42%;width:42.5%;height:5.25%'><span style=3D'position:abs=
olute;
 top:0%;left:7.48%;width:92.51%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-8.09%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std"'>Rollover
 (HSA or IRA)&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:51.75%;left:8.42%;width:42.32%;height:5.25%'><span style=3D'position:a=
bsolute;
 top:0%;left:7.52%;width:92.47%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-8.13%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std"'>Catch-up
 Contribution&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:57.5%;left:8.42%;width:39.88%;height:2.75%'><span style=3D'mso-special=
-format:
 nobullet;display:none;font-family:Arial'>&raquo;</span><span style=3D'font=
-family:
 "Helvetica LT Std";mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font=
-family:
 "Helvetica LT Std";font-size:50%;display:none'>&#13;</span></div>
 <div class=3DHB style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:a=
bsolute;
 top:61.75%;left:3.55%;width:44.75%;height:6.0%'><span style=3D'position:ab=
solute;
 top:0%;left:8.36%;width:91.63%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std";
 color:black;mso-color-index:1'><span style=3D'mso-special-format:bullet;
 position:absolute;left:-9.13%;font-family:Arial'>&raquo;</span></span><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";color:black;mso-color-index:1'>Who
 makes them&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:69.0%;left:8.42%;width:39.88%;height:5.25%'><span style=3D'position:ab=
solute;
 top:0%;left:7.98%;width:92.01%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-8.67%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std"'>Accountholder&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:75.25%;left:8.42%;width:39.88%;height:5.25%'><span style=3D'position:a=
bsolute;
 top:0%;left:7.98%;width:92.01%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-8.67%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std"'>Employer&#13;</span></span></div>
 <div class=3DHB1 style=3D'mso-char-wrap:1;mso-kinsoku-overflow:1;position:=
absolute;
 top:81.75%;left:8.42%;width:39.88%;height:5.25%'><span style=3D'position:a=
bsolute;
 top:0%;left:7.98%;width:92.01%;height:100.0%'><span style=3D'font-family:"=
Helvetica LT Std"'><span
 style=3D'mso-special-format:bullet;position:absolute;left:-8.67%;font-fami=
ly:
 Arial'>&raquo;</span></span><span style=3D'font-family:"Helvetica LT Std";
 mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font-family:"Helvetica =
LT Std"'>Third-party</span></span></div>
 </div>
 <div v:shape=3D"_x0000_s11269">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1;position:absolute;top:29.75%;left:55.24%;width:8.23%;height:4.5%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:111%'><b>Year</b></span=
></div>
 </div>
 <div v:shape=3D"_x0000_s11270">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:29.75%;left:65.16%;width:16=
.29%;
 height:4.0%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std"'><b>Individual=
</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s11271">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:29.75%;left:83.33%;width:11=
.61%;
 height:4.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:111%=
'><b>Family</b></span></div>
 </div>
 <div v:shape=3D"_x0000_s11272">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1;position:absolute;top:35.75%;left:55.24%;width:8.23%;height:4.5%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:111%'>2011</span></div>
 </div>
 <div v:shape=3D"_x0000_s11273">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:35.75%;left:65.16%;width:16=
.1%;
 height:4.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:111%=
'>$3,050</span></div>
 </div>
 <div v:shape=3D"_x0000_s11274">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:35.75%;left:83.33%;width:11=
.79%;
 height:4.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:111%=
'>$6,150</span></div>
 </div>
 <div v:shape=3D"_x0000_s11275">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1;position:absolute;top:44.75%;left:55.24%;width:8.23%;height:4.5%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
 mso-hansi-font-family:"Helvetica LT Std";font-size:111%'>2012</span></div>
 </div>
 <div v:shape=3D"_x0000_s11276">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:44.75%;left:65.16%;width:16=
.1%;
 height:4.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:111%=
'>$3,100</span></div>
 </div>
 <div v:shape=3D"_x0000_s11277">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-line-spacing:"100 20 0";mso-=
char-wrap:
 1;mso-kinsoku-overflow:1;position:absolute;top:44.75%;left:83.33%;width:11=
.79%;
 height:4.5%'><span style=3D'font-family:"Helvetica LT Std";mso-ascii-font-=
family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";font-size:111%=
'>$6,250</span></div>
 </div>
 <div v:shape=3D"_x0000_s11286">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 20 0";mso-margin-left-alt:21=
6;
 mso-char-wrap:1;mso-kinsoku-overflow:1;position:absolute;top:22.25%;
 left:55.24%;width:37.26%;height:6.0%'><span style=3D'position:absolute;
 top:0%;left:10.05%;width:89.94%;height:100.0%'><span style=3D'font-family:=
"Helvetica LT Std";
 font-size:156%'><span style=3D'mso-special-format:bullet;position:absolute;
 left:-11.17%;font-family:Arial'>&raquo;</span></span><span style=3D'font-f=
amily:
 "Helvetica LT Std";mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font=
-family:
 "Helvetica LT Std";font-size:156%'>Maximum Limit</span></span></div>
 </div>
 <div v:shape=3D"_x0000_s11287">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'mso-line-spacing:"100 50 0";mso-char-wrap:1;mso-ki=
nsoku-overflow:
 1'><span style=3D'position:absolute;top:57.0%;left:54.3%;width:49.43%;
 height:4.75%'><span style=3D'font-family:Tahoma;mso-ascii-font-family:Taho=
ma;
 mso-hansi-font-family:Tahoma;font-size:111%'>Accountholders covered under =
an </span></span><span
 style=3D'position:absolute;top:61.5%;left:54.3%;width:48.12%;height:4.75%'=
><span
 style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma;mso-hansi-font-fa=
mily:
 Tahoma;font-size:111%'>HSA-compatible health plan who </span></span><span
 style=3D'position:absolute;top:66.0%;left:54.3%;width:43.07%;height:4.75%'=
><span
 style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma;mso-hansi-font-fa=
mily:
 Tahoma;font-size:111%'>are age 55 or older and not </span></span><span
 style=3D'position:absolute;top:70.5%;left:54.3%;width:50.93%;height:4.75%'=
><span
 style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma;mso-hansi-font-fa=
mily:
 Tahoma;font-size:111%'>enrolled in Medicare are eligible to </span></span>=
<span
 style=3D'position:absolute;top:74.75%;left:54.3%;width:43.07%;height:4.75%=
'><span
 style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma;mso-hansi-font-fa=
mily:
 Tahoma;font-size:111%'>make an annual catch-up </span></span><span
 style=3D'position:absolute;top:79.25%;left:54.3%;width:43.07%;height:4.75%=
'><span
 style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma;mso-hansi-font-fa=
mily:
 Tahoma;font-size:111%'>contribution of $1,000</span></span></div>
 </div>
 <div v:shape=3D"_x0000_s11288">
 <div class=3DO1 style=3D'mso-margin-left-alt:468'></div>
 <div class=3DO2 style=3D'mso-margin-left-alt:720'></div>
 <div class=3DO3 style=3D'mso-margin-left-alt:1008'></div>
 <div class=3DO4 style=3D'mso-margin-left-alt:1296'></div>
 <div class=3DO style=3D'text-align:center;mso-char-wrap:1;mso-kinsoku-over=
flow:
 1;position:absolute;top:86.25%;left:2.05%;width:95.31%;height:3.25%'><span
 style=3D'font-family:Tahoma;mso-ascii-font-family:Tahoma;mso-hansi-font-fa=
mily:
 Tahoma;font-size:78%;color:#502283;display:none'>&#13;</span></div>
 <div class=3DO style=3D'text-align:center;mso-char-wrap:1;mso-kinsoku-over=
flow:
 1;position:absolute;top:89.5%;left:-6.55%;width:112.35%;height:2.25%'><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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nsoku-overflow:
 1;position:absolute;top:34.0%;left:10.11%;width:86.51%;height:6.0%'><span
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span
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 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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d</span><span
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T Std";
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n></div>
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nsoku-overflow:
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span
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special-format:
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an><span
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T Std";
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 change visit www.hsabank.com)<span style=3D'mso-tab-count:1;width:2.98%'> =
</span>&#13;</span></span></div>
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soku-overflow:
 1;position:absolute;top:45.5%;left:5.24%;width:91.57%;height:6.75%'><span
 style=3D'position:absolute;top:0%;left:4.08%;width:95.91%;height:100.0%'><=
span
 style=3D'font-family:"Helvetica LT Std";font-size:88%;color:black;mso-colo=
r-index:
 1'><span style=3D'mso-special-format:bullet;position:absolute;left:-4.26%;
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ly:
 "Helvetica LT Std";mso-ascii-font-family:"Helvetica LT Std";mso-hansi-font=
-family:
 "Helvetica LT Std";font-size:88%;color:black;mso-color-index:1'>Self-direc=
ted
 Brokerage</span><span style=3D'font-family:"Helvetica LT Std";mso-ascii-fo=
nt-family:
 "Helvetica LT Std";mso-hansi-font-family:"Helvetica LT Std";color:black;
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LT Std";
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 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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n></div>
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nsoku-overflow:
 1;position:absolute;top:53.0%;left:10.11%;width:86.51%;height:5.25%'><span
 style=3D'position:absolute;top:0%;left:3.67%;width:96.32%;height:100.0%'><=
span
 style=3D'font-family:"Helvetica LT Std";font-size:86%'><span style=3D'mso-=
special-format:
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an><span
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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 thousands of mutual funds&#13;</span></span></div>
 <div class=3DB style=3D'mso-line-spacing:"90 20 0";mso-char-wrap:1;mso-kin=
soku-overflow:
 1;position:absolute;top:59.0%;left:5.24%;width:91.57%;height:6.0%'><span
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span
 style=3D'font-family:"Helvetica LT Std";font-size:88%;color:black;mso-colo=
r-index:
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ica LT Std";
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LT Std";
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pan
 style=3D'font-family:"Helvetica LT Std";mso-ascii-font-family:"Helvetica L=
T Std";
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or-index:
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mily:
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nsoku-overflow:
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span
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T Std";
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ual
 fund suite similar to 401K</span><span style=3D'font-family:"Helvetica LT =
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span
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ion:
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:Verdana;
 mso-ascii-font-family:Verdana;mso-hansi-font-family:Verdana;font-size:78%;
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 not a deposit or other obligation of or </span></span><span style=3D'posit=
ion:
 absolute;top:84.25%;left:5.61%;width:86.89%;height:3.5%'><span
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family:
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68;
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