Below are a few important concepts you need to understand about your new mbi Flex MasterCard, your Flexible Spending Accounts (FSA) and claim documentation needed to support qualified expenses.

• The mbi Flex Convenience^® MasterCard operates within the regular MasterCard credit card network. Your card will be accepted at most service providers or merchants where eligible FSA expenses can be incurred including most hospitals, doctor’s offices, dental offices, optical stores, pharmacies and even some daycare facilities.
   

• Using the mbi  Flex MasterCard eliminates your wait for a reimbursement check from your flexible sending accounts. However, you are not released from submitting the required documentation supporting the eligibility of the incurred expenses. IRS regulations require supporting documentation for all expenses except single copays for doctor visits and prescriptions if you use the mbi  Flex MasterCard to pay. You need to file a signed claim form with supporting documentation for every expense directly with Admin America either by fax or mail unless it is a single copay amount.
   

• If you have email access either at home or at work and you provide Admin America with your email address, you will be able to receive email information regarding the status of incurred expenses. You should give Admin America your email address by sending a short email message to "flexcard@adminamerica.com" requesting that your email address be added to the mbi  Flex MasterCard system.
   

• When you submit claim documentation, please include a copy of your mbi Flex MasterCard receipt (if applicable) along with additional supporting information. The best documentation includes both a copy of the mbi Flex MasterCard receipt (if available) and a copy of a receipt from the provider (i.e., doctor, pharmacy, dentist, optician, etc.). The provider’s receipt needs to include the date of service, name of the provider, description of services received and the amount that is your out-of-pocket expense. If you send only the credit card receipt, your claim may be returned. Claims that are returned due to missing/insufficient documentation causes delays in the approval process and may jeopardize your card’s active status. For your convenience the back of Admin America’s mbi  claim forms have information about receipts that are acceptable and ones that are not acceptable.
   

• Claim forms are available for download from the Internet at Admin America’s web site: www.adminamerica.com. When accessing the claim form download link, please make sure you select the item labeled "mbi  flex card" claim forms. These forms differ from others because they have boxes you mark with a check mark to tell us whether the expense was paid to the provider using your mbi Flex MasterCard or remains unreimbursed (i.e., not paid with your card) requiring that a check be issued to you for reimbursement.
   

• You have access to detailed account information on the Internet at a secure web address: www.mbicard.com. The first time you go to the web site you will use your mbi  Flex Convenience^® MasterCard number to set up your account access. For privacy purposes, you will create a unique user name and password so that only you will know how to access your account information. Please feel free to give Admin America a call if you need assistance.
   

• Admin America prepares reimbursement checks for expenses that were not paid using your mbi  Flex MasterCard on designated Wednesday(s) each month. Checks are either mailed directly to your home address or sent to your employer to sign and distribute to you. All unreimbursed claims submitted by Monday will be included in the checks prepared on Wednesday. Ask your HR/Benefits person for the specific date(s) your checks will be prepared by Admin America.

We think you will agree that the mbi  Flex Convenience^® MasterCard will add a significant level of convenience to your flexible spending accounts. This should make it even easier for you to enjoy the significant tax savings your Flexible Benefits Plan offers. If you have any questions regarding your new mbi  Flex MasterCard or your accounts, please do not hesitate to contact Admin America by telephone, mail or email.