1. Contact: HealthCare Expense Reduction Expert D. Scott Hettesheimer HealthCare Delivery Consultants 513-661-7581 scott@GroupBenefitsExperts.com http://www.AdvancedBenefitDesignInstitute.com Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581

2. Fixing HealthCare Benefit Delivery A New Long Term Strategy Without Cost Shifting to Employees Copy Right 2013 Advanced Benefit Design Institute All Rights Reserved 3254 Montana Ave. Suite 1003, Cincinnati OH 45211 513-661-7581

3. If Your Renewal Price Has Been Increasing Then What Youve Been Doing Doesnt Work! Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581

4. Copy Right 2013 Advanced Benefit Design Institute All Rights Reserved 3254 Montana Ave. Suite 1003, Cincinnati OH 45211 513-661-7581

5. We are Problem Solvers HealthCare Expense Reduction Specialists Why has your cost been increasing? Our work begins by identifying your root cause of healthcare need. Identifying & improving disease treatment compliance. Identifying 100% of your risk and managing before diagnosis Better Access, Better Care, Lower Cost Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581

6. Do you Need Affordable, Sustainable and Competitive Benefits to Retain and Attract Talent? Copy Right 2013 Advanced Benefit Design Institute All Rights Reserved 3254 Montana Ave. Suite 1003, Cincinnati OH 45211 513-661-7581

7. Our strategy engages all plan members; employees & spouses. We target 100% for engagement. We solve for medical illiteracy. We implement a simple user interface. The interface provides a single source URL, login & password for all of your benefits and benefit services. It allows wellness coaches, physicians and case managers to do their jobs with more information at their fingertips. Employers can easily communicate with employees and spouses. Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581

8. We normally reduce spending $1,300.00 to $3,000.00 per employee in the first 12 months. We Flatten Renewals Productivity Increases We Lower Workmen's Comp Risk Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581

9. Do you know your healthcare cost risk? Here are your real cost drivers. According to ADA & CDC analysis: 45% of adults had at least one of three diagnosed or undiagnosed chronic conditions - hypertension, hypercholesterolemia, or diabetes; one in eight adults (13%) had two of these conditions; and 3% of adults had all three chronic conditions Nearly one in seven U.S. adults (15%) had one or more of these conditions undiagnosed Two out of three hypertensive do not have good control 34.89% of the population is pre-diabetic More than 1 out of 2 covered members in your plan have or will have in the next 5 years, a chronic diagnosis and too many of them do not know. For most people, this is preventable. Most people will modify behavior once informed. Do you know who these people are? Your healthcare managers better find out! Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-

10. How do we Achieve Our Financial Claims? Our ROI is calculated from: The increase in the performance of your wellness program. We supercharge wellness plans, doubling, tripling and quadrupling their ROI. The increased effectiveness (Disease treatment compliance) from your Disease Management. The stopping and reversing of disease progression through the automated interventions that reduce healthcare need Avoiding Healthcare Need Reduced absenteeism, sick pay, disability and turnover. Increased presenteeism, productivity, moral and State of Health. Reduction of Workers Comp risk from health related events. Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-

11. Employer Communications Cost Containment Incentivized System Outcome Based Financial Incentives Personal Health Modifiable Risk Reports Lifestyle Risk Calculator Supercharge Wellness Initiatives Real Population Health Management Single Source Login! Risk Stratification 24/7 On Demand Reporting Forward Looking Predictive Modeling Advanced Healthcare Analytics Electronic Personal Health Records Superior Disease Management Copy Right 2013 Advanced Benefit Design Institute All Rights Reserved 3254 Montana Ave. Suite 1003, Cincinnati OH 45211 513-661-7581

12. Broker Consultant Account Concierge Director Employer Communications Third Party Administrator 24/7 Case Manager Executive Benefits Next Generation Benefits Concierge Level Service! Technology Manager 24/7 On Demand Reporting Cost Containment System Manager Walk in Clinics 24/7 Telemedicine Services Wellness Coach Copy Right 2013 Advanced Benefit Design Institute All Rights Reserved 3254 Montana Ave. Suite 1003, Cincinnati OH 45211 513-661-7581

13. Contact: HealthCare Expense Reduction Expert D. Scott Hettesheimer Advanced Benefit Design Institute, LLC 513-661-7581 scott@GroupBenefitsExperts.com http://www.AdvancedBenefitDesignInstitute.com Copyright 2013 Advanced Benefit Design Institute All Rights Reserved. 3254 Montana Ave. Suite 1002, Cincinnati, Ohio 45211 513-661-7581