Providing trusted and valued relationships to reduce healthcare costs

About BRMS BRMS is a nationwide Third-Party Administrator helping employers manage costs with exceptional claims administration, superior customer service and innovative TPA services. Established in 1993. Privately held, family owned and managed. Proprietary Claims, Billing & Eligibility technology solutions that allows for a more streamlined approach to claims administration, online communication, enrollment, management, billing and reporting. “…an early technology leader in Employee Benefit membership and eligibility space…” – U.S. News & World Report Conducted first online enrollment in 1997 for NEC Packard Bell (8,000 EEs) Located in Folsom, Ca and Honolulu, Hawaii : Account Management Team, Claims Administrators, UR, Case Management, IT and Customer Support. All services are handled in house.

About BRMS – Statistically Speaking 352Clients 50-60%Off Billed Charges ……………………… Total Number of Clients in Vbas ……………………… Average savings on Billed Charges 120,596Employee Lives 60,000Lives ……………………... Total Employee Lives Managed by BRMS ……………………... Largest BRMS Customer 289,430Member Lives 750Member Lives ……………………... Total Member Lives Managed by BRMS ……………………... Average BRMS client size 121 Claims Clients 125+Transfers Number of Clients BRMS Pays Claims For National Carriers EDI Transfers 250,000Claims Processed 250+ Entities ……………………... Claims processed for all Lines of Coverage ……………………... Cities/Schools/Government Entities Managed By BRMS 8-10Day Turnaround 50+HealthCare Providers Average Turnaround Time for Claims being processed HealthCare Providers managed by BRMS

About BRMS – Sampling of Our Clientele

BRMS – Dedicated Service Team Approach BRMS’ service team encompasses the client and offers complete department participation and accountability. Client specific, trained service representatives in each department. Personalized Customer Support Team with a dedicated client 800 number and inbox for training, tracking and reporting purposes. Matt Schafer President and CEO Paul Schafer Vice President Sales Jane Phoong Director Client Management Jared Perrin Account Executive Vanessa Pahlberg Finance and Operations Bill Hardison Information Technology

Vbas – Benefit Administration System Virtual Benefits Administration System

The Benefits Supply Chain Employees HRIS Payroll Partners Broker Carrier Wellness Business Analytics Total Rewards Vbas was engineered to be the hub of the benefit supply chain. By developing a centralized database, employers utilizes Vbas to improve communications, streamline data exchange and increase cost efficiencies for all organizations.

Vbas Standard 24/7 Online Administration Employer/Employee Communication Online Enrollment Centralized Data Management EDI Transfers Automated Reports Benefit Statements Consolidated Billing HR Support Toolbox

Additional Vbas Services HRIS/Payroll Data Exchange Consolidated Billing & Reconciliation Paper Enrollment Data Entry & Processing Retiree Billing & Administration Dependant Auditing Customer Support Call Center FSA and Debit Card Administration HSA/ HRA Administration COBRA/ HIPAA Administration Employee Surveys Wellness Placement Leave Administration Fulfillment Services

Vbas Employer Portal

Vbas Employee Portal

System Enhancements Vbas Spanish Translation Employer Customized Login Page Vbas Benefits Portal Vbas Online Customer Support Chat VbasMobile Business Analytics ACA Reporting Support Employee Total Rewards Dashboard HR Support Center

Vbas OE Employee Portal – Spanish Version

Vbas Custom Branding

Vbas Benefits Center Custom Benefit Portals are available allowing employers to house additional resources and information for employees.

OE Customer Support and Online Chat Support With a full customer service team, including a BRMS Executive, Account Executive, Account Representatives and a Customer Support Call Center, our clients and their employees receive personal, hands-on service. Plan Education How to find a Provider How to Enroll Copies of SPDs Contacts for other Benefits Verify Benefits & Eligibility And more… Bi-Lingual Representatives Member Call Recording & Reportable Issues Tracking Online Chat Support

VbasMobile VbasMobile is now available on your phone! The Vbas app is available free of charge and allows members access to their benefits information via their mobile devices. View Company Benefit Summaries Check Claims Status and History Submit FSA Receipts Browse FSA Claims View Personal Information View Company Resources Easy access to ID Card Available on Android and iPhone

Business Analytics & ACA TRACK Business Analytics provides employers with an easy to use tool that combines benefits: Planning Budgeting Forecasting Benchmarking Employers are able to perform predictive analysis and review cost details that assist in making planning and budgeting decisions that can result in: Benefits cost awareness Higher efficiency and profitability Educated employees ACA Track provides ACA compliant software with the ability to track time for 100% of your employees! Management of stability periods and hours worked Historical snapshot reporting Status Alerts for at risk employees ACA reporting for IRS code 6055/6056

Total Rewards Dashboard The total Rewards Dashboard allows employees to view their Total Compensation online, anytime. Single sign on through Vbas Interactive EE dashboard Displays all components of employee compensation Cash Compensation, Statutory Benefits, Health & Welfare, 401K Retirement and Other Benefits Custom Branding Available

HR Support Center HR Support provides the online resource an HR Department needs to select, manage, retain valuable employees and increase confidence and control over employment issues. Available online through Vbas and single sign on HR Support offers these valuable tools: State and Federal Laws in easy to understand terms HR forms library Sample job descriptions Compliance updates HR business procedure checklists HR questions answered by HR professionals