1. Financial Wellness with HelloWallet Personalized Financial Guidance for Your Employees & Improved Benefit Program Outcomes for Your Company Best in Class Financial Wellness Application Exclusive Offer through Aon Hewitt

2. HelloWallet Delivers a “Win-Win” Unbiased financial guidance to budget, plan, and increase prosperity Drives increased readiness for consumer driven Benefits Connects with Benefits best suited to individual needs (401(k), HSA, FSA, Insurance) For Employees For Companies New data intelligence about the holistic needs of employees to better align Total Rewards investments ROI realized in the form of cost savings and program improvement outcomes

3. Measurable Program and Business Outcomes Primary Measurable Program ImpactsFocusing on Program Value Drivers Increase Savings in Health and Retirement Programs Increase Retirement Readiness Reduce Leakage in Retirement Programs Improve employees financial health Improve ability of workers to manage consumer driven benefits Primary Workforce and Benefit Program Insights Learn the financial health profile of your workforce, and barriers to consumer driven plan adoption and success Drive expanded, data-driven decision making around 401k, health, and lifestyle Benefits Align benefit spending with benefit needs

4. Thought Leadership in Workforce Behavior Change

5. Debt Savers in Defined Contribution Plans HelloWallet recently released a study showing how growing debt is derailing the plans of many for a stable retirement. Some key findings include: Data Driven Retirement & Wellness Insights

6. Such benefits are also intended to help employees save better so they can actually retire, making for a younger – and less costly – workforce.” — Aon Hewitt, 2014 Hot Topics in Retirement: Building a Strategic Focus. 76% of companies are looking to expand their focus on financial well-being in 2014. Financial Wellness is a Priority for Your Peers “