Confidential – Property of Lighthouse1, LLC - Not For Distribution Implementation Issues and Future Opportunities in Consumer Driven Health Care - Jeff Brunsberg, Chief Market Officer

Confidential – Property of Lighthouse1, LLC - Not For Distribution 2 “This is how technology works in Health Care.”

Confidential – Property of Lighthouse1, LLC - Not For Distribution Consumer Preference Model

Confidential – Property of Lighthouse1, LLC - Not For Distribution 4 EmpoweredDependent Choice Complex Simple Experience

Confidential – Property of Lighthouse1, LLC - Not For Distribution 5 Consumer Preference Model EmpoweredDependent Complex Simple Experience Choice

Confidential – Property of Lighthouse1, LLC - Not For Distribution 6 Consumer Preference Model EmpoweredDependent Complex Simple Experience Choice

Confidential – Property of Lighthouse1, LLC - Not For Distribution The Challenge

Confidential – Property of Lighthouse1, LLC - Not For Distribution 8 Market Landscape Consumers Employer Clients Employer Distribution CDH Administrators Healthcare Delivery Employers HR CFO Divisions Clients PEO Org. Labor Patient Member Employee Participant Dependent Cardholder Accountholder Benefits Brokers Benefits Consultants Insurance Carriers / HDHP Medical TPAs “Health” “Wealth” Investment Firms Benefits TPAs Managed Care Orgs National Banks Regional Banks Debit Cards / Processors Vertical Technology Integrators Industry Consultants BIN Sponsors Technology Consultants Card Networks Outsourced Technology SubstantiationFulfillment Buyers / Decision-MakersService Providers Horizontal Technology Payment Processing Bank Consortiums HP Consortiums Solution Providers Healthcare Providers (Clinics, Hospitals, Pharmacies, etc.) Healthcare Merchants (OTC, etc.) Administration BPOs Highly Integrated Processes, Data, & User Experience JAB/JB

Confidential – Property of Lighthouse1, LLC - Not For Distribution 9 CDH Capability Requirements

Confidential – Property of Lighthouse1, LLC - Not For Distribution 10 Lighthouse1 Platform

Confidential – Property of Lighthouse1, LLC - Not For Distribution 11 Investment in Success

Confidential – Property of Lighthouse1, LLC - Not For Distribution Thank You

Confidential – Property of Lighthouse1, LLC - Not For Distribution 13 Lighthouse1 Background The leading technology for CDH reimbursement account administration The only enterprise-class, multi-tenant Software as a Service provider Based in Minneapolis, Minnesota Founded in 2003 Holding company also owns the largest ($4B) privately-held Midwest bank (State Bank & Trust, Fargo, ND) 95 employees + 19 onshore/offshore contractors 42 administrator customers from 500 to 500,000 employee accounts >2 Million contracted members, >15,000 groups Strategic Partners Delivery Partners