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Copyright 2012 HealthEquity, Inc. All rights reserved. HealthEquity and the HealthEquity logo are registered trademarks and service marks of HealthEquity, Inc. Building Health Savings is a service mark of HealthEquity, Inc. Confidential and proprietary. Reproduction without express written consent is prohibited. EMPLOYER NAME Date

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AGENDA/OBJECTIVES Introductions and Background Objectives Why HealthEquity? Model and Technology Service and Education 2 3 4 5 2 1 6 Implementation

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INTRO AND BACKGROUND 3

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HEALTHEQUITY LEADERSHIP Steve Neeleman, MD CEO/Founder Practicing Surgeon Author, The Complete HSA Guidebook Jon Kessler Chairman Founder of WageWorks, the nations largest TPA 4

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HEALTHEQUITY OVERVIEW Founded 2002 Based in Salt Lake City, Utah IRS approved non-bank trustee 5 th largest HSA custodian, fastest growing of the top ten custodians 250,000 accounts, $400M in assets Education-based service model Client-tailored web sites 24/7/365 access to live Member Services specialists FDIC-insured cash account or investing 5

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COMPANY NAME OBJECTIVES 6

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OBECTIVES 1.Secure a best-fit HSA custodial relationship 2.Provide excellent customer support 3.Support ongoing, three-pillar educational strategy 4.Offer an integrated solution with BCBSIL and Medco 5.Complement and promote current wellness programs 6.Comply with existing SAP electronic data capture process 7

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WHY HEALTHEQUITY? 8

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NET PROMOTER METHODOLOGY Promoter (P): Loyal enthusiasts who keep buying and urge friends to do the same (score 9 or 10 on 10-point scale) Passives: Satisfied, but unenthusiastic; easily wooed by competition (score 7 or 8 on 10-point scale) Detractor (D): Unhappy customers trapped in a bad relationship (score 6 or less on 10-point scale) Where P D = Net Promoter Score Average American company rating is 9 Very best companies range from 48 to 82 9

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HOW DOES HEALTHEQUITY COMPARE?: Banking Industry Source: NetPromoter Industry Report 2009, HealthEquity added 10

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DOW CORNING CASE STUDY With HealthEquity Before HealthEquity Overall satisfaction with health benefits 7.86.0 Understanding of health accounts 8.05.8 Specific satisfaction with HealthEquity 9.0 Average change in health account balance up $1,000 CDH participation rate (dual option) 74% Change in trend (CDH option) Down 3% 11

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MODEL, TECHNOLOGY, AND INTEGRATION 12

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INTEGRATION Health and Wealth Full Integration Enables Superior Execution Devon Energy Health and Wealth Web Site Eligibility HealthEquity Eligibility, Claims, Rx, Contributions 24/7/365 Access to Live Member Services Specialists Account Management Claim Review, PayChoiceTechnology, Investing BCBS of Illinois Medco Contributions Ongoing Employee Engagement Cost Saving Tools, Alerts, and Messaging 13

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MEMBER LAUNCH HealthEquity Receives Enrollment Welcome Kit and Debit Card First Login to Web Portal Account Screening and Set Up 0100101 0010110 Open Enrollment Meetings and Communications Ongoing Interactions Ongoing 6090 days prior Devon Enrollment 40 days prior20 days prior 17 Days prior15 days priorPlan Yr. Begins 14

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Copyright 2012 HealthEquity, Inc. All rights reserved. HealthEquity and the HealthEquity logo are registered trademarks and service marks of HealthEquity, Inc. Building Health Savings is a service mark of HealthEquity, Inc. Confidential and proprietary. Reproduction without express written consent is prohibited. DEVON ENERGY HSA PORTAL Demo 15

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SERVICE AND EDUCATION 16

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SERVICE EXCELLENCE 24/7/365 Specialist turnover was less than 15% last year HealthEquity Member Services specialists are professionals with extensive experience and specialized skills specific to HSAs, HRAs, and FSAs Backgrounds and skills include: Healthcare, nursing, CNAs, insurance claims and billing, financial, banking and investments Education and just-in-time resources ensure HealthEquity specialists are accurate and up-to- date on IRS legislation, HSA information, and healthcare expenses. They attend two hours of education bi-weekly, respond to 10-question weekly quizzes, and complete weekly call evaluations. 17

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HEALTH AND WELLNESS EDUCATION 24/7/365 Easy point-and-click captures the call reasons and educational points A second click captures the action taken by the member as a result of the education provided by the member services specialist 18

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REPORTING: Interactions and Trends In addition to basic expected reporting results, educational interactions, enrollments, $ contributed, etc. are captured in CRM and reported to Devon. 19

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ENROLLMENT AND EDUCATION HealthEquity Resources Educational materials Open enrollment web site Plan cost calculators Open enrollment meetings/webinars Online tutorials for e-mail distribution Dedicated open enrollment line The Complete HSA Guidebook (online or hardcopy) Member portal New member tutorials New member welcome kits 20

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IMPLEMENTATION 21

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IMPLEMENTATION TEAM Implemented 60+ partners with different depths of integration and customization Implementation typically tales 24 months Involves project lead, communication lead, and IT resources HealthEquity assigns a partner relationship manager and creates a cross-functional team Partner Solutions Team Partner Relationship Manager Implementation Team Structure Continued focus on the customer will keep us loyal forever! Your responsive team has made implementation a breeze. We love you guys and recommend you to anyone who will listen. New Partner Marketing and Sales Support Technology Operations Member & Client Services Financial Services 22

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TESTING PROCESS Stable Platform Accounts since 2003 Dev, test, and production environments Format & Data Exchange Testing HealthEquity maps and processes test files HealthEquity executes unit tests and initial test cases Partner performs user acceptance testing HealthEquity provides partner access to test environment Scenario Testing Scenario test files HealthEquity file processes test files HealthEquity executes test cases Partner performs user acceptance testing 23

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NEXT STEPS 24

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NEXT STEPS: Contacts and Information Requests Onsite meetings, The Complete HSA Guidebook, and information requests Gary Bell, SVP Enterprise Strategy, 801.727.1046, gbell@healthequity.com Steve Neeleman, MD, CEO 801.727.1012, sneeleman@healthequity.com 25 3 2 1

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TRACK RECORD If you are going to attempt a CDH strategy: 1) Be serious, 2) Make an investment, and 3) Work with experienced partners like HealthEquity. Chief HR Officer, Large Employer Continued focus on the customer will keep us loyal forever! Your responsive team has made implementation a breeze. We love you guys and recommend you to anyone who will listen. Director, New England Health Plan HealthEquity continues to out do themselves in customer service! Thanks for taking such good care of our clients. We very much appreciate your efforts. The feedback from our clients has been five-star. VP, California Banking Institution 26

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Copyright 2012 HealthEquity, Inc. All rights reserved. HealthEquity and the HealthEquity logo are registered trademarks and service marks of HealthEquity, Inc. Building Health Savings is a service mark of HealthEquity, Inc. Confidential and proprietary. Reproduction without express written consent is prohibited. THANK YOU! www.healthequity. com 27

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DEMO CAPTURES 28

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DEMONSTRATION INTEGRATED ACCOUNT MANAGEMENT HSA / HRA / FSA / DCRA / VEBA COMMUNICATION, MARKETING, AND EDUCATIONAL SERVICES Better Experience HEALTH PLAN B HEALTH HEALTH PLAN A HEALTH HEALTH PLAN C HEALTH PBMPBM DMDM CLAIMS & ELIGIILITY INFORMATION INFORMATION CLAIMS & ELIGIILITY INFORMATION INFORMATION Better Discounts/Choice EMPLOYER LOWER COSTS MAXIMIZE NETWORKMAXIMIZE NETWORK DISCOUNT / ACCESSDISCOUNT / ACCESS EMPLOYEE SATISFACTION HIGH-QUALITY EXPERIENCEHIGH-QUALITY EXPERIENCE MINIMAL DISRUPTIONMINIMAL DISRUPTION CHOICECHOICE CENTRALIZED COMMUNICATION CONSISTENT CONSUMER STRATEGY Better Outcomes RESULTS Web Portal Live 24/7/365 Support Continuing Education Debit Card Claims from Insurance Better Decisions MOST VALUE 29

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PLATFORM FROM WHICH TO DRIVE PROGRAMS 30

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INSURANCE INFORMATION 31

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INVESTMENT 32

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PAYMENT PLATFORM PayChoice platform offerrs pay from any account option Add optional personal checking account Pay provider directly from any account and create a lifetime record of how claims were paid 33

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Rx PRICING TOOL For integrated pharmacy claims, HealthEquity proactively identifies savings opportunities and makes the member aware of the opportunities on the PayChoice platform and via e-mail. 34

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Rx SAVINGS REPORT Result: Member is educated and can talk to their provider about ways to save. Alternative Med 35

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SYMPTOM CHECKER Help members decide whether to treat at home or see a doctor. Possible causes of the symptom, how to self treat, when its an emergency, when to call a doctor, and how to prevent it in the future. 36

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LEVERAGE PAYMENT PLATFORM: Medical Care and Rx Members visit the site to pay claims and transact. Includes opportunities-to-leverage capability: Provides timely and relevant information Rx savings or drug-to-drug interaction messaging Message around care opportunities Ease of use Rx mail order link Direct payment connection to Medco 37

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PERSONAL HEALTH AND FINANCIAL RECORD (PHFR) Track health statistics, conditions and care, and drugs and allergies. View medical spending organized by type of service and condition. 38

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CARE GUIDELINES Step-by-step guide to understanding and managing 12 common conditions 39

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CONTENT & DECISION SUPPORT Health encyclopedia A comprehensive, award-winning collection of illustrated health information on diseases and conditions, symptoms, tests, surgeries, and more Symptom checker Detailed information on more than 300 specific symptoms, such as abdominal pain, headaches, or heart palpitations, allows members to search topics based on what theyre experiencing Care guidelines Comprehensive articles on more than 1,600 topics are categorized by disease/condition overview, symptoms, treatment, and prevention Surgeries and procedures Graphical presentations cover more than 100 topics, from gastrointestinal conditions to plastic surgery Health risk assessment URAC-accredited general risk assessment and 12 lifestyle and condition assessments Helps members assess and minimize disease and illness risk 40

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HEALTHEQUITY OVERVIEW Key Differentiation Available before and after enrollment Teachable moments and live activations Targeted communications Configurable Web portal platform Account integration: o HSA/HRA/FSA/VEBA Health plan integration Pharmacy benefit integration Disease management integration Live Member Services specialists 24/7/365 Regularly exceed industry standards and SLAs Low turnover I wish HealthEquity could train other vendors how to achieve flawless implementation and provide stellar customer service. Denise Johnson Human Resources Director Regence 41