1. Obama Care Excepted, Fully-Insured Executive Medical Reimbursement Plan (U.S. Only) HR Innovations 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. Executive Medical Reimbursement Plan This fully insured supplemental medical reimbursement plan is not subject to health care reform group plan provisions or ERISA rules, so it available for select, carved-out by classes of employees It covers most IRC Section 213(d)-eligible expenses that are otherwise not covered under primary health plan plus dental, vision, Rx, etc. Premiums may be tax deductible to employer and premiums and benefits may not included in employee’s taxable income (This is not to be considered tax advice. Consult with a professional tax advisor regarding the tax status of this program.) It is underwritten / insured by A+ rated insurance companies Additional features include : -Dynamic underwriting with guaranteed issue (no medical underwriting, waiting periods or pre-existing conditions limitation) - Rapid reimbursement of claims, typically 5 to 7 business days - A Prescription MasterCard® for instant reimbursement of Rx claims - Navigation to, and priority appointments with, leading specialty physicians - 24/7 Travel and Medical Emergency Support Services Including Air Evacuation - Reimbursement toward and coordination of Executive Physicals

3. Sa mple Benefit Schedule – High Option -Per occurrence for medical out-of-pocket costs = $10,00 -Annual family maximum = $100,000 Additional CoveragePer Covered Person Dental$10,000 Vision$10.000 Counseling$10,000 Prescriptions$10,000 Medical Equipment$10,000 Wellness / Lifestyle$10,000 Executive Physicals$10,000

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