This is an overview presentation of Attentive Health & Wellness Self Insured Medical Expense Reimbursement Plan with an emphasis on wellness.

1. @2019Attentive Health&Wellness
SELF-INSURED MEDICAL EXPENSE REIMBURSEMENT
PLAN WITH A WELLNESS EMPHASIS©
Program Qualifications
 Available for employers with 3 or more employees
 Employee must be W2 full time (30 hours/week)
 Employee must have less than 2% ownership
 Employee must have health insurance coverage
(need not be a group plan, MEC will qualify)

2. Plan Highlights
• Major Savings
Forevery 50 employees, employerssave
$25,000 in annual payroll taxes. Employees
receive a suite of health/wellness benefits
• Immediate Impact
Savings are realized immediately
upon each payroll run
• Launch Now
Program up and running in 30-45 days
• Employee funded
Nonew out-of-pocket expense for the
employer and no reduction in employee's
net take-home pay
• High OptIn
Todate, 70-100% employee participation
rate
• Any Industry
Program is industry agnostic and
works for both small businesses and
large enterprises
@2019Attentive Health&Wellness

3. Key Plan Benefits
For the Employer For the Employee
• Immediate financial impact to the
bottom line
• $500 average payroll savings per
participating employee per year
• Increase employee retention, loyalty
and productivity
• Reduction of claim costs averaging
$1,400 over three year period
• Operational within 30-45 days and fully
automated
• Robust Personal Health Dashboard to
identify opportunities for a healthier
lifestyle
• 24/7 Telehealth doctors, nurses, health
coaches with no co-pay
• Mayo Clinic wellness programs
• Addiction recovery and counseling with
no co-pay
• Supplemental insurance benefits such
as Life, Hospital Indemnity, Accident,
Critical Illness ,and AD&D
No Investment No Take-Home Pay Reductions

4. The Attentive Health & Wellness (AHW) program© uses three
separate documents for creating a compliant wellness program.
Wellness Plan
Document
Section 125
Cafeteria plan
Self-Insured
Medical
Expense
reimbursement
Plan (SIMERP)™
A compliant
wellness plan
that results in
the employer's
FICA-direct net
profit.

5. • Provided by AHW, this document specifies the benefits provided as part of the wellness program.
• All benefits are 213(d) compliant, which allows the pretaxing of the wellness premium and the
reimbursement of that premium.
Wellness Plan Document
• The AHW wellness program uses a Section 125 Cafeteria Plan that is funded under 106(a), allowing the
pretaxing of 213(d) compliant medical expenses.
Cafeteria Plan
• The SIMERP™, as defined in 26 CFR 1.105-11, is used to reimburse participating employees dollar-for-dollar;
26 CFR 1.105-11 explains that reimbursement is not based on claims, but on the benefits of the wellness
plan.
SIMERP
The 3 Documents

6. A True Win-Win situation!
Employee tax savings,
averaging an annual $1 ,200-
$1,800, may be used to
purchase additional
insurance protection.
Participants
The employer
saves an annual
$500.00 in FICA-
direct net profit,
per enrolled
employee.
Clients
Data analysis has
proven that each
participant saves
an average
$1,400 in claims
costs per three-
year period.
Guaranteed
ROI

7. Online Wellness Personal Health
Dashboard
• The Attentive Program provides wellness for the whole person. Wellness involves more
than the physical. Attentive provides health and wellness solutions for the emotional,
physical, occupational, social, purpose, and financial health of the whole person.
• Customized Wellness Portal Secure with facial
recognition software for greater security.
• Available 24/7 Employees have unlimited online
access, by mobile/tablet.
• Health Risk Assessment Confidential survey and
personalized report help employees identify health
risks.
• Wellness library Self-guided courses to address
a range of health and lifestyle issues
• Health trackers Integrated health trackers log
activity and monitor progress; can also sync data
from personal activity trackers (e.g Fitbit, Garmin,
Apple Watch)
• Mayo/24aLife Four Mayo Clinic wellness programs
included in the AHW benefit package
• Couplewise™ Counseling Services for all
stages of Life – no copay
• Interactive campaigns & competitions
Employees can join existing competitions or
create new ones
• Bilingual Platform - English and Spanish and over 150
other languages
• Turnkey communications, Comprehensive
launch and promotional campaigns
• Added support Ongoing support from the
employee’s personal Care Management Team
• Expanded eligibility Available to all eligible
employees, their spouse and dependents
• Freedom 365 Virtual Recovery System™
The world’s first Interactive Virtual Recovery
System for Addiction—No copay

8. Employees Purchase Packaged Benefits
with Wellness Reserve
Covered Diagnosis Coverage Amounts Vary
$5,000-$50,000
Heart Attack
Invasive Cancer
Stroke
End Stage Renal Failure
Major Organ Transplant
Surgery
AD/D $25,000 - $75,000
Accident Emergency Treatment
Diagnostic Examination
Dislocation/Fracture
Physical Therapy
Accident Hospitalization
Daily In-Hospital Benefit
Day 1: $1,000 -$5,000
• Whole Life Insurance Policy
• $5,000-$50,000
• Cost -effective coverage
• Easy-to-apply- for, right at work
• Guaranteed death benefit
• Guaranteed cash value
• Guaranteed level prem ium
• Tax advantages
Portable coverage
PACKAGED BENEFITS ARE A COMBINATION OF FIRST-DOLLAR FIXED INDEMNITY AND ACTUAL EXPENSE REIMBURSEMENT COVERAGE TO HELP EMPLOYEES WITH OUT-OF-POCKET MEDICAL
DEDUCTIBLES AND COINSURANCE.
@2019Attentive Health&Wellness

9. THE PROCESS:
EMPLOYER
Step 1
Step 2
Step 3
Step 4
Census and
Contract
Program
Setup
Program
Launch
Payroll
Savings
Step 5 Plan Admin
Client submits an employee census as input for a proposal.
The census determines which employees qualify, their
wellness reserve amount, and the employer's potential tax
savings. Upon review, client signs all client documents.
Per the executed signed documents, our plan
administrator contacts the client payroll
department to initiate program parameters
Employer forwards sponsorship letter and marketing
material explaining program to each employee.
Monthly payroll tax savings are realized immediately
upon each payroll run
Plan administration and insurance carrier(s) fees
are paid monthly via ACH and will be invoiced
Deductions. All fees are paid with tax savings.
@2019Attentive Health&Wellness

10. The Process:
Employee Step 1
Step 2
Step4
Enrollment
Health Consult
Step 3 Program
Launch
Wellness
Benefits
All employees receive a welcome email, which
contains instructions on enrollment, wellness
benefits and ancillary insurance benefits.
After completing a Health Risk Assessment,
each employee will have access to licensed
health care professionals to help develop a
custom wellness program
Employee receives communications to encourage
the employee in the utilization of all their wellness
benefits provided by the program.
Employees improve their health through access to
AHW benefits and ongoing guidance, disease
management strategies , 24/7 telemedicine,
nurses, clinical programs, addiction recovery and
counseling programs.
Step 5 Supplemental
Insurance
Employees select compliant, supplemental
insurance coverage (e.g., accident , life insurance ,
critical illness) covering out-of-pocket deductions ,
medical claims and many other benefits
it
@2019Attentive Health&Wellness

11. PAYCHECK COMPARISON
@2019Attentive Health&Wellness
$ - 274.02Total Tax Savings Used:
Actual Paycheck Comparison
Filing Married - 0 (Federal and State)
Before Wellness With Wellness
Monthly Income $ 3,288.46 Monthly Income $ 3,288.46
Pre-Taxed Benefits
Major Medical $ 500.00 Major Medical $ 500.00
Wellness Plan $ 1,125.00 Monthly Cost for the Wellness Program
Pre-Tax Section 125
Wellness Cost
Taxable Monthly Income $ 2,788.46 Taxable Monthly Income $ 1,663.46 Adjusted Taxable Income
Federal Withholding $ 187.38 Federal Withholding $ 70.10
Social Security $ 172.88 Social Security $ 103.14
Medicare $ 40.44 Medicare $ 24.12
StateWithholding $ 150.46 StateWithholding $ 79.80
Tax Savings are Created which
Fund the PlanTotal Taxes $ 551.16 Total Taxes $277.16 Total Taxes
Tax Savings $274.02 Difference in Taxes - (before and after)
Preventative Reimbursement
using the "SIMERP"Preventative Reimbursement $ 1,125.00 Preventative Reimbursement (SIMERP)
Sub Total Paycheck $ 2,511.32
Vision $ 19.92
Wellness Reserve total is $194.02
The Wellness Reserve is earned
through participationLife Insurance $ 154.08
Accident $ 20.02
AHW Fees $ 80.00
Net Pay $ 2,237.30 Net Pay $ 2,237.30 Same Take-Home Pay - Employee must remain Compliant