1. Concierge-Type Healthcare Provider and Rx Cost and “Quality” Transparency Service HR Specialty Products & Services Catalogue Executive Summary A No Frills Distillation of Vendor’s Marketing Collateral Thomas A Ference President & CEO Human Resources Mining & Distribution Co Locating, Validating and Accelerating HR Innovation Office: 219-662-0201 Cell: 630-240-2583 Fax: 219-661-0236 e-mail: tference@hrmdco.comtference@hrmdco.com Website: www.hrmdco.comwww.hrmdco.com

2. Concierge-Type Healthcare Provider and Rx Cost and “Quality” Transparency Service -Online-only provider transparency systems may not be appropriate for all or portions of the employee population for a variety of reasons -For non-emergencies, this concierge service directs members to low cost provider alternatives and can: ~Locate needed physicians ~Check physician background ~Calculate & communicate member’s OOP by provider choice ~Transfer medical records ~Schedule appointments ~Shop for prescriptions ~Administer incentives -Call Center is staffed only with US, college-educated CSR’s -Can also handle dental and vision

3. Price-Transparency Software The analysis provides an average of the total so the actual is generally better. 395% Difference

4. Pricing Info in User Friendly Format $651 in savings or 248% You choose the option you wish to communicate; this is what you would see in an email.

5. Case Study Employer with 6000 ees wanted to move to CDHP but lacked a solid provider cost and quality transparency approach This system was deployed on January 1 and CDHP was also adopted At year end, medical claims were reduced by $13 Million -39% and pharmacy claims were reduced by $1.2 Million-17% PEPM went from $526.39 on 1-1 to $383.89 in December -a difference of $142.50

6. Next Steps This product/service is contained in the HR Specialty Products & Services Catalogue™ Operational level details about this particular service provider can be obtained in conference with the vendor The HR Mining &Distribution Co. is an independent and contracted representative of the vendor Upon your request, we will arrange for an introduction that can range from a simple, quick conference call to a services overview / system demo Tom Ference 219-662-0201 (Chicagoland area) or tference@hrmdco.com Thank you for your potential interest in this fresh thinking