1. No-Cost-To-Employer, CSR-Supported, SaaS-Based Retirement Assistance System for Moving Employees from Active Status to Retiree Status 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. System for Helping Employees Movie from Active to Retiree Status Most all retirement information systems that exist today help employees save for retirement but fall short of providing information on how to actually transition into retirement This SaaS-Based system and service fills the gap for pre-retirement age employees, current retirees and the aging family members of all active employees The service is delivered via: 1) an on-line educational portal 2) a US- based advisor center staffed by salaried, credentialed, and licensed advisors and 3) robust insurance and investment exchanges to assist employees execute on institutional solutions Users are provided with information and purchasing options in 5 major areas as controlled by the employer ; retirement lifestyle planning; pre age 65 and post age 64 health insurance options; distribution rollover options / all asset investment guidance; income optimization / Social Security; and, risk management related to longevity, morbidity and mortality Services are provided at no cost to the employer as they are funded by fully transparent revenue share on exchanges selections

3. Retirement “Preparation” vs. Actual Retirement “Assistance” What’s Out There TodayWhat Else Employees Heed Employers Do Not Assist with Removing Retirement Roadblocks Lifestyle Budgeting /Asset Protection Social Security Optimization Retiree Healthcare / Medicare Options Retirement Income Planning / Guarantees Rollover and Investing Advice / Solutions Employers Assist Employees with Saving for Retirement Auto enrollment /auto deferral increases Financial education / outside counseling Retirement / financial planning tools Communication Campaigns Financial wellness fairs

4. System Assists with 5 Major Areas at Employer’s Option #3. Protection Have participants planned for both the expected and unexpected in retirement? Have they assessed and planned their exposure to various risks in retirement? #2 Health Care Have participants examined their Medicare/health care options and determined what is right for them? Do they really understand the costs and how to access the best coverages? #1 Investments What resources do participants have to support their lifestyle? How should assets be invested to meet their objectives? #5 Lifestyle What do participants really want to do in retirement How much is it going to cost? #4 Income How can participants optimize their income and make sure it lasts throughout their retirement? Have participants optimized their Social Security payments?

5. SaaS-Based Employee Portal

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