2. 2 The Consumers Problem With the Funeral Industry #1 Consumer fear – being taken advantage of 57% of consumers: Funeral homes can not be trusted 59% of consumers: Funeral homes do not offer good value One of the most expensive purchases of a lifetime Prices are often unknown and can vary significantly Consumers are hesitant to negotiate funeral prices Complex decisions made under the worst of circumstances Emotional duress Time pressure Consumers lack knowledge to make informed decisions No one in the funeral industry is on the side of the consumer Sources: Batesville / Pollara; Gelb; Federal Trade Commission; AARP

3. 3 A Vision for Change Everest – The First Nationwide Funeral Planning and Concierge Service Our Vision: To revolutionize the way consumers interact with the funeral industry

4. 4 Funeral Industry No National Brand for Funeral Homes $20 Billion Industry 22,000 Funeral Homes in U.S. Average funeral home performs 100+ services per year Only 15% consolidated after 35+ years 5 Publicly traded participants ( SCI, Stewart, Carriage, Keystone & Stonemor ) Background 2.4 Million Deaths per Year 84% U.S. consumers believe it is better to pre-arrange Only 26% of consumers have made any type of arrangements 1.1 Million Pre-Need funeral accounts sold annually Designed to lock in the consumer Expensive with limited information Sources: National Center for Health Statistics ; Wirthlin Worldwide; NFDA; Forethought

5. 5 Who is Everest? Everest is….. an independent consumer advocate that provides our clients and their families with funeral planning and concierge services to prepare for and deal with a funeral.

6. 6 The Everest Offering 24/7 Advisor Planning Assistance Funeral planning issues Creating a personal funeral plan for the client Everest PriceFinder Research Reports Detailed local funeral home price comparisons Available on demand via our website Online Funeral Planning Tools Includes: Personal Profile, 10 Key Decisions Planner, Reference Guide, My Wishes Planning Guide and more Information stored and maintained in a secure data warehouse At-Need Family Support Family Assistance and Plan Implementation Communicate the clients Personal Funeral Plan to the funeral home; removing the family from a sales-focused environment Provide 24 hour assistance throughout the funeral process Negotiation Assistance Gather pricing information and present to client in an easy-to-read format Negotiate funeral service pricing with local funeral homes Help the family compare prices of caskets and other products

7. 7 Employee Coverage and Communications Who is Covered: Employee Spouse/Partner Children under age 24 Who is Eligible: Determined by the Employer Communication: Everest provides customizable communication documents Employer responsible for communications Portability: Individual Everest benefit available at a discount

8. 8 Online Planning Tools Employee Enrollment via Website