1. Calculator for Employees to Determine Lost 401(k) Contributions Caused by Engaging in Unhealthy Behaviors HR Specialty Products & Services 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.comtference@hrmdco.com Website: www.hrmdco.comwww.hrmdco.com

2. Half of all Americans have less than $10,000 in savings, and yet they spend monies on unhealthy behaviors that could otherwise be saved the amount of which was undeterminable - until now. This lifestyle risk and lost savings dollars calculator was developed in 2012 by a practitioner with 40+ years of benefits experience. At the intersection between Wellness Programs and 401(k) Savings Plans, this Calculator effectively communicates the ills of unhealthy behavior and the dollars currently being spent on such behaviors Unhealthy Behaviors Lost Savings Calculator

3. It helps to motivate change to more healthy behaviors and redirect new-found monies over to retirement plans. Employees enter their own information on wellness behaviors and the hard dollar cost is calculated for each such behavior e.g. 1 latte / day X @ $4.00 each X 5 days a week X 52 weeks = $1,040/ year An individualized “health-to-wealth” plan is developed. Results for the employer include an increase in both healthy behaviors and 401(k) plan contributions by employees - classic win-win for all.

4. Unhealthy Behaviors Input Screen

5. Total Lost Savings Opportunity

6. Next Steps 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