| FSA Feature Set: |
| Dedicated Account Executive for Broker & PA |
| One card for all three Flexible Spending Accounts |
| One fee per card- no per-swipe or transactions fees |
| Single participant pricing, regardless of the number of accounts selected |
| Low minimum monthly fee of $60 regardles of number of employees |
| No additional fees for lost or stolen cards |
| Account history access and reporting online |
| Real time balances and consolidating reporting |
| Pay only once...no double outlay of funds |
| Spouse and dependent cards |
| Increased FSA utilizations=m$ to be used for voluntary benefits |