1. Ongoing ACA Management Information System for Compliance, Cost Analytics, Reporting and Auditing Presented by: Tom Ference SVP New Client Development Health E(fx) Chicagoland Area Phone : 219-662-0201 Cell : 630-240-2583 tom.ference@healthefx.us

2. Personal Introduction Tom Ference Northwestern Kellogg MBA - Finance / Marketing Lincoln Financial Regional Manager Mercer VP Crowe Horwath Principal - HR Division Aon Clients: Large: -McDonalds, Kraft, Verizon, Office Max, Darden, Sears, US Bank, Ascension Health, etc. Smaller: -Fanny May Candies, Krispy Kreme, Bassett Furniture, Aon’s HR Division Worldwide CMO & ExCo Member US Division - Discovery Holdings ExCo Member Currently SVP Sales for Health E(fx)

3. Health E(fx) ACA Management Information System Cloud-based ACA management system Developed over 3+ years by experienced regulatory software engineers and Washington DC /ACA insiders Continually 1) automates census data integration / validation 2) determines / manages employee Eligibility & Affordability 3) automates federal reporting and internal/external audit 4) provides management decision support through costs, plan design and projections analytics Supports division of labor between employer and / or its benefits advisor Quantifies risks and liabilities associated with penalties and excise taxes for non-compliance

4. Health E(fx) ACA Management Information System Analytics to evaluate plan / demographic /risk-reward options for cost-reduction opportunities Integrated and proprietary alerting system to assure and complete and accurate data integration and validity for determining and managing employee eligibility based on wait, measurement and stability periods and affordability-based plan design and cost Facilitates employee grouping/parsing capability allowing for consolidation and disaggregation by numerous variables and parameters (i.e. hours, wages, age, sex, division, entity, groups, Manages state-by-state exceptions to federal ACA regulations Automates all ACA compliance reporting, provides ad-hoc reporting and archives audit tools for generating regulatory data and providing compliance support (i.e. SOX compliance)

5. Company Parameter Setting © Copyrighted material – all rights reserved.

6. Federal and State Parameter Setting © Copyrighted material – all rights reserved.

7. Instantaneous “Pay or Play” Scenario Modeling © Copyrighted material – all rights reserved.

8. High Cost Plan Excise Tax Projections © Copyrighted material – all rights reserved.

9. Next Steps Actions -Do Nothing -Receive marketing collateral -View 2.5 minute streaming video -See system demo -May require NDA Opportunities -Become compensated reseller -Use system in client advisory capacity