1. Money Back Guarantee LTC Insurance 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. Money Back Guarantee LTC Insurance -A major deterrent to purchasing LTC coverage is the “use it or lose it factor” -Under this insurance program, purchaser pays either 5 annual premiums or a lump sum premium -Plan pays for 100% of long-term care expenses until a gross gross policy maximum amount is reached -Provides an income tax-free death benefit if insured does not need all or part of LTC coverage amount -Money back guarantee: Can withdraw 100% of unused original premium paid at any time, at will -Premiums do not earn interest for return of premium purposes

3. Money Back Guarantee LTC – Example Nancy Healthy 65-year-old nonsmoker -Been advised to set aside $300,000 of $1 million portfolio for LTC expenses -Instead moves $100,000 into a single premium policy -Frees up $200,000 Will get up to $6,934 per month, $83,208 every year and $499,221, (5 X premium) over six years to reimburse qualified LTC costs, or Beneficiaries will receive $166,407 income tax-free death benefit if no LTC, or At any time, can request return of all (unused) premiums-no questions asked Combinations of partial payments for LTC, and /or partial death benefits and/or partial cash return are all permitted

4. 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