1. Agenda 1 CarePlus Custom Benefits Exchange Partner Custom Exchange Overview User Experience Demo Sales & Marketing Resources Next Steps

2. Company Overview Online Enrollment Platform –15+ years experience –Assisted more than 1.6 million employees to educate themselves and enroll online Core Services – Enrollment & Eligibility Participant Services –Service Center –COBRA Services –Custom Communication & Fulfillment –Verification Services Voluntary Worksite Support Wellness Integration Billing & Financial Reporting Employer-selected plan offerings (working with CarePlus) 2

3. How Does It Work? What type of Exchange is it?Private What type of insurance products are offered?Group health & welfare; all benefits What providers are offered?Employer’s choice What is the user experience?Online enrollment system: Decision-support tools Education Benefit portal Personal support Administrative support How is it funded?Defined contribution Employee share via payroll deductions 3

4. Defined Contribution and Private Exchanges Advantages for You Better Benefits Budgeting – You’re in charge of what you spend on your employees’ benefits each year, making it easy to forecast your costs – this year and next. Say goodbye to premium instability and hello to benefits savings. Improved Benefits Administration – With CarePlus as your benefits partner, you’re able to streamline your benefits administration. We handle everything for you, allowing you to focus on more important tasks. More Satisfied Employees – Your employees will have greater insight into their benefit dollars, improving their appreciation and value for their benefits. Advantages for Your Employees The Coverage Your Employees Want – Employees are able to use their benefit dollars to address their specific individual and family needs; it’s no longer a one-size- fits-all approach. They may find they’re able to save money, too. Enrollment and Ongoing Benefits Assistance – Online, in-person, and telephone assistance to members during Open Enrollment and year-round, so employees and their family members can get help with their benefits whenever they need it. Increased Staff Engagement – Your employees get more information about their benefits and greater input into their benefit choices, so you’re able to engage them more effectively. That can lead to savings down the road from reduced or improved benefits usage and lower insurance premiums. 4

5. A Custom Exchange Gives Employees the Option to Right-size Their Benefits Portfolio 5 1. You give employees a set amount of money to spend on benefits 2. Employees choose the benefits that best meet their needs in the online enrollment system. For Employees: CarePlus provides technology support online and on the phone For Employers: CarePlus consolidates and handles administrative tasks

6. CarePlus Makes It Easy to Translate Employee Needs into a Personalized Benefits Portfolio 6 Employer chooses the carrier partner Employees go to the benefit portal for education information and guidance. Employees go to the online enrollment site to make their choices. A benefit package recommendation is presented to Employees based on their individual needs.

7. CarePlus Custom Benefits Exchange 7 A Multi-product Custom Exchange lets you find and negotiate your major medical offerings just like today, but with our assistance. Employer selects carrier partners: Multiple plan options Meaningful array of choice on price and benefits Employer selects carrier partner Multiple coverage options Meaningful array of choice and benefits Health Plans Other Health and Welfare Benefits (ancillary lines)

8. Implementation Process 60 – 120 Days 8 IMPLEMENTATIONENROLLMENT Sales Turn- over Welcome Process Open Enrollment Post Enrollment Processing Carrier Member Welcome Custom Exchange Portal Build 1 day 14 days10-40 days10 days5 days20 days Benefits Effective Date 1.Client signs service agreement and proposal 2.Client provides data sheet, roster, prior carrier medical invoices, and tax documentation (if applicable) and Broker completes build worksheets 3.CarePlus/Broker turnover call 4.CarePlus sends Client welcome email with documents to complete 5.CarePlus holds welcome call with Broker and Client 6.Client approves Businessolver portal build 7.Client completes carrier paperwork 8.CarePlus Benefits Exchange portal ready 9.CarePlus and Broker conduct portal QA 10.Broker holds open enrollment meeting for employees 11.CarePlus Benefits portal launched and employees elect benefits 12.CarePlus portal closes at 5PM EST last day of open enrollment 13.CarePlus submits carrier paperwork 14.CarePlus emails post enrollment client communications 15.Carrier underwriting and installation Traditional benefits enrollment takes 60-120 days

9. Ongoing Administration 9 Ongoing Changes Ongoing Billing Renewal Partner & EmployerBusinessolver/CarePlus Provide notice of new hires and terminations in portal 1 bill/month from health insurance provider 1 bill/month for supplemental insurance products 1 bill/month from FSA provider Pay bills Review carrier changes Review funding Reinitiate Update plans and rates Process changes

10. How to Sell It Sell the concept of the defined contribution and private exchange Choice and personalization for employee Cost control and predictability for employer Getting out of the benefits business Sell CarePlus Custom benefits Exchange Decision support Education tools and resources Established system with proven track record Employees make decisions based on individual needs, including health profile, financial status, risk tolerance, and preferences Health promotion and management integrated into plans Professional administration and customer support 10

11. Tips for Sales Success 11 Timing Introduce concept of CarePlus Custom Benefits Exchange 100-120 days before renewal date Proposal at 90 days before renewal date 45 days for implementation Suggested Target 250+ employee companies with a diverse workforce Companies that need to cut benefits costs Decision-makers who believe in employee empowerment and good ideas

12. Sales Materials Includes: –Sales Sheets –Intro to Custom Exchange for Employers –Intro to Custom Exchange for Employees –Defined Contribution and Private Exchanges –Sales Presentation –Businessolver Demo Presentation –OE Presentation –Employer Admin Portal Overview 12

13. Compensation 13 Line of CoverageBroker Compensation CarePlus Custom Exchange Medical (Businessolver products) Commissions/bonuses as negotiated with Carrier Ancillary (Businessolver products) Commissions/bonuses as negotiated with Carrier Supplemental (Businessolver products) Commissions/bonuses as negotiated with Carrier Note: All payments except Hospital Indemnity come directly from the carrier. Insurance products are offered by BB&T Insurance Services, Inc. and McGriff Seibels & Williams, Inc., both of whom are subsidiaries of BB&T Insurance Holdings, Inc. CarePlus is a brand of F.B.P. Insurance Services, LLC, CA license #0747466. BB&T Insurance Services, Inc., CA license #0C64544. Precept Insurance Solutions, LLC, CA license #0747466. McGriff, Seibels & Williams, Inc., CA license #0E83682. © 2014, Branch Banking and Trust Company. All rights reserved. Insurance.BBT.com