Obama Care Excepted, Fully-Insured Executive Medical Reimbursement Plan ( U.S. Only)

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.com Website: www.hrmdco.com

2. 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 Executive Medical Reimbursement Plan

3. Per occurrence for medical out-of-pocket costs = $10,00 • Annual family maximum = $100,000 Sample Benefit Schedule – High Option

4. 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 Next Steps