DirectHealth & Walmart's Healthcare Opportunity

1. DirectHealth.com &Walmart's Healthcare Opportunity Brought to you by:

2. Agenda Oursurance Overview Implementation Changes & Opportunities

3. Walmart Oursurance Long-Term Strategy In the long term, Oursurance will redefine insurance distribution by creating a platform that provides Walmart’s customers with solutions that offer value and simplicity, consistent with Walmart’s corporate mission of “Save Money. Live Better.” Oursurance Strategy & Goals: User Interface: • EDUCATION: Provide best in class services and information to Customers seeking guidance with their insurance choices. • SIMPLICITY: Creation of a simplistic multi-channel platform that enables apples-to-apples comparison of insurance options. • INCLUSIVITY: Aggregate a vast array of insurance policies to ensure depth and breadth of healthcare options. Ensures Customer's ability to select the best plan for them. • DISRUPTIVE VALUE: Lower distribution costs via reduced commissions will allow providers to reduce rates or add services. Confidential and proprietary.

4. 2014-2015 Strategy Oursurance will launch a multi-choice health insurance enrollment platform – called DirectHealth.com – by 2014-2015’s Open Enrollment period. 2014-2015 Goals: • Development of a multi-channel platform for Customers to explore and enroll in a healthcare option of their choice. • Creation of a simplistic Online User Interface enables and unbiased, apples-to-apples comparison of health insurance options. • Establish processes for Agents (In-Store; Call Center) to facilitate an understandable Customer experience and healthcare enrollment. • Foster carrier relationships and secure commitments to offer unique healthcare solutions for Walmart customers in future years. • Closely assess program performance and success – by channel and carrier – to mold future enhancements and offerings. Confidential and proprietary.

5. Year 1 Solution: In-Store Trials Several solutions will be trialed to establish presence in Walmart’s 4,000 stores during Open Enrollment. Significant In-Store FMO Agents • When No Agent is In-Store • Testing In-Store Customer Assistants who will: • Route to Call Center • Route Online • Request Call Center Customer Call Back • Schedule In-Store Appointments 1 2 +65 10/15 – 12/7 Limited In-Store FMO Agent Tests Customer Assistants Testing using assistants who will: • Route to Call Center • Route Online 1 2 <65 11/15 – 2/15 Confidential and proprietary.

6. Agenda Oursurance Overview Implementation Changes & Opportunities

7. 2014-2015: New Over 65 Initiatives Items that will be added to the Walmart & Oursurance initiative that were not included in previous years: Choice Model: Direct Health will offer a choice model, with competitive plans in all markets. Marketing: Walmart $17M marketing budget dedicated to driving awareness. Educational materials and support from Healthcare Begins Here. Consistent location in the store for Large kiosks, located in close proximity to Pharmacy. E2E Store Engagement: Walmart Associate training and engagement. Pharmacists provide Customers with available plans and direct them to a licensed Direct Health agent. In-Store Tax Advisors analyzes Customer tax needs and directs them to a licensed Direct Health agent. Better store manager support with a Walmart corporate mandate. Oursurance Support: Oursurance logistical support (i.e., Regional Managers; Admin Support for In-Store Set Up & Issues). Provide robust Over 65 enrollment platform. Oursurance carrier training and appointment coordination. Potential agent receipt of TRANZACT leads for program participation. More fair distribution of the quality stores. Appointment Scheduling: In-Store Agents permitted to schedule In-Home appointments. Ability to schedule Over 65 In-Store appointments from the Call Center or Online. Confidential and proprietary.

8. Over 65 Choice Model Choice Model Med Supp Carriers: PDP Carriers: MA Carriers: • Aetna • Blues – working on finalizing region by region • Coventry • Health Alliance Medical Plans • Cigna • Humana • Medica • United Healthcare • WellCare • Health Net • Kaiser • Highmark • Aetna • Blues – working on finalizing region by region • Coventry • Express Scripts • Health Alliance Medical Plans • Cigna • Humana • United Healthcare • WellCare • Aetna • Blues – working on finalizing region by region • Health Alliance Medical Plans • Cigna • Humana • United Healthcare • Mutual of Omaha • Colonial Penn Confidential and proprietary.

9. Marketing Efforts • Walmart plans to spend $17M in marketing to promote Direct Health and Health & Wellnessin and out of the store. Television Displays Signage & Smart TV PR Social Media Walmart.com Healthcare Begins Here Digital Events Print Associate Engagement DM & Email Confidential and proprietary.

10. Healthcare Beings Here: Strategy • A significant portion of Walmart’s marketing budget will be focused on healthcare education via its website www.healthcarebeginshere.com. Healthcare Begins Here will route Customers to Direct Health for enrollment. Healthcare Begins Here Strategy Connect Maximize encounters to drive insurance product selection and pharmacy patient acquisition. Inform & Educate Develop offline, online, and in-store communications that inform and educate patients of our insurance products and health & wellness services. Engage Leverage relevant programs and experiences to promote health insurance enrollment and health & wellness services. Awareness Integration Conversion Plan Parameters Timing Budget Target Geography National Adults 18-64 Adults 64+ (Medicare D) Corporate: $17MM Week 33 - Week 8 Confidential and proprietary.

11. Healthcare Begins Here: Detailed Marketing Plan Connect Inform & Educate Engage Awareness Integration Conversion • National Network /Cable TV • 3x :30s leverage highly targeted networks. • Print • Promote HBH in print vehicles: • Week Circular (50MM HHs) • H&W FSI (45MM HHs) • Sunday Supp (55MM HHs) • Digital Display • Targeted banners to the 39MM people 18+ who have search for health insurance. • Social • Engage the 34MM Walmart Facebook fans, 3MM Twitter and 2MM Instagram followers. • In-Store • Promote HBH throughout store. • Kiosks supported with directional signage. • Standees, posters and flyer cards at critical traffic points • Bow-flags and banners to prompt customers to visit the kiosk. • Pharmacy Prescription Bags • Engage 10MM existing Rx customers. • Smart Network • Engage 140MM shoppers via :30s video promoting HBH and directing Customers online or to kiosks. • Targeted Email • Targeted email to 18.5MM Walmart Customers: • Launch • Bi-weekly emails to Customers who searched health & wellness categories. • www.healthcarebeginshere.com • Redesign the online portal. • Search • Convert Consumers actively seeking health insurance in enrollment period. Confidential and proprietary.

12. Kiosk Design & Placement Kiosks will be placed – in close proximity to the Walmart Pharmacy – throughout Open Enrollment. DRAFT Kiosk Design: Design considers creating a sense of privacy and 360° impact from 20ft away. Confidential and proprietary.

13. E2E Store Engagement • Walmart Associate Training: • Walmart will ensure associates, managers and pharmacists engagement via: • Training Seminars; Live Q&As • Posting on Walmart World & mywalmart.com • Walmart will designate a Program Champion for each store. • Better store manager support with a Walmart corporate mandate. • Walmart Pharmacist & Tax Engagement: • Pharmacist: • Pharmacists will have access to a Pharmacist Tool that provide Patients with available plans based upon the Patient’s current RX list. • Pharmacists will direct Customers to health kiosk for Agent assistance. • Tax Advisors: • Jackson Hewitt • Liberty Tax • Tax advisors will have the ability to notify Customers whether they qualify for subsidies. • Post consultation, in-store tax advisors will instruct Customers to visit the health kiosk for Agent assistance. Confidential and proprietary.

14. Pharmacist Tool Pharmacists will also be armed to assist Customers with enrollment and direct them to an In-Store Agent. 1 2 Customer goes to Walmart pharmacist. Walmart pharmacist makes Customers aware of health insurance offering. 3 Walmart pharmacist enters Customer’s zip code and current prescriptions into Pharmacist Tool. 5 Pharmacist provides print-out of available plans to Customer and directs them to an enrollment platform: • In-Store Agent • In-Store Events • Online • Call Center 4 Pharmacist Tool shows available health insurance carriers and plans based on Customer's zip code and RX mix. Confidential and proprietary.

15. Oursurance Support & Appointment Scheduling • Oursurance Support: • Carrier Training, Certification & Appointment: • Oursurance will appoint and train Agents in a streamlined fashion. • Single place for Agent certification across all Carriers. • Oursurance Support & Logistical Coordination: • Oursurance to create 800# for Agents to report In-Store issues. • Oursurance & Walmart will be responsible for kiosk set-up and in-store material replenishment. • Oursurance to assign Regional Managers to provide support for in-store issues and compliance. • Agent Participation Incentive: • Potential for Agents to receive TRANZACT leads free of cost. • Provide Enrollment Platform: • Streamlined DRX platform supports and understandable E2E enrollment process. • Appointment Scheduling: • Agents are permitted to follow-up with Walmart leads via home appointments. • Oursurance call center will have the ability to schedule In-Store Appointments. • Over 65 Customers will also have the ability to schedule In-Store Appointments on www.directhealth.com. Confidential and proprietary.