1. Introducing…

3. Total annual costs of chronic disease : - $1,600,000,000,000 NOW. - $4,200,000,000,000 in just 7 years (Milken Institute 2007) Doubling time is now less than 6 years and accelerating. $400,000 per household now…$35 Trillion in Medicare Current Medicare Debt will bankrupt U.S. in year 2030 David Walker, former U.S. comptroller general US Health Care Spending Paradox

4. Commonwealth Fund 2008

5. Commonwealth Fund, December 2008

6. Total expenditures on health as percent of GDP Average spending on health per capita ($US PPP)

7. 1 France 2 Italy 3 San Marino 4 Andorra 5 Malta 6 Singapore 7 Spain 8 Oman 9 Austria 10 Japan 11 Norway 12 Portugal 13 Monaco 14 Greece 15 Iceland 16 Luxembourg 17 Netherlands 18 United Kingdom 19 Ireland 20 Switzerland 21 Belgium 22 Colombia 23 Sweden 24 Cyprus 25 Germany 26 Saudi Arabia 27 United Arab Emirates 28 Israel 29 Morocco 30 Canada 31 Finland 32 Australia 33 Chile 34 Denmark 35 Dominica 36 Costa Rica 37 United States of AmericaUnited States of America 38 Slovenia 39 Cuba 40 Brunei The World Health Organization

9. $8130/year for every man, woman and child in the US spent on “Medical Treatment” Versus $1.21/year spent on awareness and prevention or “Health Care” Managed Care 2003 ©MediMedia USA

10. Chronic Conditions 88% of all prescriptions written 72% of all doctors visits 76% of all inpatient hospital stays Managed Care 2003 ©MediMedia USA

11. For every $1 spent on medical and pharmacy costs, employers incur $2.30 in absenteeism, productivity and presenteeism costs. If condition is Depression, Stress or Anxiety- related, employers incur $20 in “soft costs” for every $1 spent on medical and pharmacy expenses. (Journal of Environmental and Occupational Medicine, 09)

13. No Data <10% 10%–14% 15%–19% 20%–24% 25%–29% ≥30% 198519952007 Obesity in America

14. Existing medical treatment system: – Designed to “manage” chronic disease…ATF 10+ yrs – Early Detection and Disease Management is NOT Prevention – Lacks effectiveness - chronic disease. Why? – Fails to address the causes i.e. Largely Peoples’ diet and lifestyle habits

15. Very Good News …that’s oddly still largely a secret 75-85% HC spending focused on treating: Preventable diet and lifestyle-based conditions (NIH, CDC, WHO) Majority of chronic illness is preventable

16. Chronic illness: - late stage of health-disease continuum - a continuum that has proven modifiable

18. There’s No Argument New Insights and Approaches are Needed Empowering Health Response-Ability

19. LifeStrive Health Promotion System Alerts & Informs Individuals ↓ Barriers ↓ Costs Compliments Medical Care ↑ Efficiencies ↓ Burden Enables Health Response-Ability ↑ Inside-out Health Care Inspires Participation Personalized – Uniquely Informative Uniquely Supportive Trend Tracking Before Diagnosis is the Key!

20. We cannot prevent what we cannot predict Predicting, preventing and mitigating chronic and critical disease requires much more comprehensive tracking of trends, than has been available to date in the marketplace

21. Individuals, Corporations & Government - Know Their Health Trend - Know What To Do About It

22. The Cost-Shift

23. Source: The Commonwealth Fund Biennial Health Insurance Survey (2007).

24. All of this bad news has created unprecedented opportunity for products that deliver the solution: Can fill the gaps created by “cost shift” Remove cost and access barriers to critical health/prevention services Help employers “soften the landing” when they raise deductibles or premium contributions Protect people from unforeseen health care expenses and medical bankruptcy * 62% of all bankruptcies in U.S. * 78% had health insurance * $17,749 average amount owed * Harvard University 2007

25. HIPAA Exemption Critical Illness is really chronic illness at a clinical endpoint The critical, chronic and degenerative illnesses AWD insures against account for 75-85% of employer- sponsored health plan costs, not to mention lost productivity, etc… Why Position a Wellness Program in a Voluntary or Supplemental Benefit?

26. When you are able to: Dramatically improve awareness of key risk factors, follow up with properly individualized education and inspirational support, you can help to prevent and mitigate chronic illness and associated expenses… i.e. LifeStrive Have voluntary benefits cover the costs of LS, while providing important employee financial safeguards… Result: These benefits make sense to employers and employees on a whole new level…

27. Broker/Enroller review AWD- LS orientation online Broker & Enroller engage LS Sales & Implementation guidelines & materials online Broker requests case approval AWD & LS confirm case can be supported Broker-Enroller-LS initiate pre-enrollment campaign HR tools - online Enrollment – VB purchased, wellness benefit assigned Next Steps doc handed out Client CSV file sent to LS LS initiates policy holder engagement campaign Pre-Enrollment Process Flow Broker introduces AWD-LS benefits to clients via online presentations

28. LS campaign: Email and Personal Letters LS direct + Employer direct Employees notified that their personal web portal is ready Insured logs in, prints lab requisition, chooses local lab Insured visits lab (5,000+ locations) Linked to personal results & interpretative report < 48 hrs Insured completes Health and Lifestyle Assessment Personal Health Promotion Report & web mini courses for awareness & actions Communication to remind & inspire to “take next step” LS direct + Employer direct Process Flow

29. LifeStrive ® Comprehensive Wellness Panel 50 individual tests provide thorough biochemical assessment Lipid panel (cholesterol, HDL, LDL, the risk ratio, triglycerides) Complete Blood Count (CBC) (WBC, RBC, Platelets, Hct, Hgb) Fluids and Electrolytes Thyroid Panel w/TSH Liver Enzyme Panel Kidney Panel Glucose (Diabetes) Complete Mineral Profile Market Value of lab testing & reporting alone exceeds $700 Lab testing is only the start of the health promotion process with LifeStrive

30. 5 large buttons lead consumer to each step in health promotion.

31. Users can track, compare and store all relevant health information

32. Testing performed through our system is automatically populated into member reporting interface

33. One step reporting to physician, health coach, etc…

34. Message center serves as single source of truth for all health-related messages Courses currently enrolled in and recommended. We track ongoing participation and completion for incentives

35. Group Aggregate Reporting

37. Predictive Modeling Relationships

38. Predictive Analysis-High Activity Members

39. Predictive Analysis-Clinical and Compliance Gaps

40. Predicted Costs By Member versus Actual Costs Experienced that Year Accuracy of Predictive Model

41. Workers Comp Disability, absenteeism Global Risk Management is here!

42. 42 Foreword by David M. Walker Fmr. US Comptroller General Demonstrates commitment to creating a culture of wellness. Wellness recommended by doctors, not employers/brokers. Easy implementation New Book Creates Context for “What’s Next”

43. Questions?

44. Support Materials at www.lifestrive.com/awdsupportwww.lifestrive.com/awdsupport Contact: Richard Perryman at (602) 956-3401 or rperryman@lifestrive.com rperryman@lifestrive.com