1. Surgery Management System that Identifies Any Less Invasive, Less Costly Alternatives 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. Surgery Management System More than 30% of all health care plan costs relate to surgical procedures. Traditional cost control services like Pre-Cert, Case Management, Disease Management, etc. are already in place, yet an estimated 25% of all surgeries are still unnecessary –just like 25 years ago. This program engages members on-line to learn more about various treatment options to having full surgery (e.g. minimally invasive surgery, physical therapy, etc.) that are to be discussed with the prescribing physician Significant savings occur as over 20% of program participants choose a more conservative treatment option

3. Surgery Management System About 8% of all surgical costs are due to complications which this system can help minimize by providing pre and post surgical preparation information for each procedure Average savings equals $7,700 per participant Program can be offered as an additional benefit to the employees Can be easily implemented off-cycle with as little as 60 days lead time. Savings materialize within 90 days after communication of the program

4. Treatment Options to be Discussed with Physician

5. 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