A Charitable Life (ACL) Wellness is a provider of participatory preventative care plans (PPCPs) that aims to change how employers address rising healthcare costs. The document outlines ACL's program which includes health risk assessments, personal training, nutrition counseling, telemedicine, biometric screenings, and various preventative health services. It claims that for every $1 spent on preventative care through its program, future medical costs can be reduced by $10 or more. Employers who participate can see annual savings of $400-$600 per employee through a healthier workforce with reduced absenteeism and medical visits.

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2. Who Is ACL?
• A Charitable Life (ACL) Wellness
• Nation’s preeminent provider of participatory preventative care plans
(PPCPs)
• Changing how employers battle the future costs of healthcare
• Part of the Charitable Life Foundation
• Charitable Life Foundation
• Registered 501(c)3 private foundation
• Provides assistance to organ donors, recipients, and their families
• Started by ACL founder, Stephen Preusz, who battled kidney failure and
lived the daily struggles that an organ failure patient faces
• Receives funding via portion of ACL Wellness revenue
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3. Why Preventative Care?
• Preventative health programs increase healthy behaviors such
as exercise and can reduce smoking and identify future,
long-term health risks
• Health insurance products are not designed to incent
prevention
• Studies indicate that for every $1 spent on preventative care,
future medical costs can be reduced by $10 or more
• ACA (Affordable Care Act) recognizes prevention and
mitigation of disease, as a leading the way in reducing future
healthcare costs
• Preventative health is the right thing to do, and our program
offers employees supplemental benefits with zero reduction in
net pay
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4. ACL Benefits: Employee
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• Improved morale and health
• Potential for additional supplemental
benefits
• NO reduction in take home pay, and in
many cases increases take home pay

5. ACL Benefits: Employer
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• Improved benefit program
• Healthier workforce
• Attract better candidates and retain talent
• Annual savings of $400-$600 per
employee
• Increased productivity
• Reduction in high-cost medical visits
• Turnkey solution: ACL handles enrollment,
payroll integration, launch, and more to
make it easy on you

6. ACLHS Program Components
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• Health Risk Assessment
• Personal Training & Exercise Programs
• Nutritionists
• 24/7 Telemedicine
• Biometric Screening
• Fitbit®
• DNA Screening
• Mammograms
• Prostate Screening
Meets ACA’s Minimum Essential Coverage
ERISA compliant

7. Before and After PPCP
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8. Before and After PPCP
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9. The PPCP Benefits: Details (1/2)
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 Health Risk Assessment - Available on the Plan Effective Date
 A Charitable Life Health Solutions begins with an accurate assessment of a participant’s current health. Based on
the information received, we tailor the program to the enrollee’s specific needs.
 Personal Training and Exercise Programs - Available on the Plan Effective Date
 Our trainers design training and exercise programs tailored to the needs and goals of the employee and monitor
their progress along the way.
 Nutritionists - Available on the Plan Effective Date
 Our nutritionists are experts in the field of food and nutrition. They advise employees on what and how to eat in
order to lead a healthy lifestyle or achieve a specific health-related goal.
 24/7 Telemedicine - Available 45 days after Plan Effective Date
 Our doctors are all US Board Certified and have been practicing for over five years. Our physicians use electronic
health records and telephone consultations to diagnose your conditions, recommend treatment and write short-
term, non-DEA controlled prescriptions when appropriate. Your employees are just a click away from:
 24/7 Access to Doctors
 24/7 Access to Psychologists
 24/7 Nurse Helpline
 Prescription Savings Card
 Discounts on Specialists
 Savings on Dental & Vision
 Discounts on Labs and Imaging
 Alternative Health Features

10. The PPCP Benefits: Details (2/2)
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 Biometric Screening - Available 3 Months (90 days) After Plan Effective Date
 Biometric screening can identify risk factors including diabetic and cardiovascular disease up to ten years
before full onset. Screening data and analytics allow our wellness coaches to provide effective tactics and
monitor effectiveness.
 Fitbit- Subject to participation in Biometric Screening
 Employees receive a $50 credit towards a Fitbit
 DNA Screening - Available 9 Months After Plan Effective Date
 Knowing there is a mutation in one of the 19 genes analyzed — including BRCA1 and BRCA2 — enables
employees to work with your healthcare provider to create a personalized plan designed to prevent or
detect breast and ovarian cancer at an earlier or more treatable stage.
 Mammograms - Available 1 Year After Plan Effective Date
 Regular mammograms can often help find breast cancer at an early stage, when treatment is most likely
to be successful.
 Prostate - Available 1 Year After Plan Effective Date
 Prostate cancer screening can help identify cancer early on, when treatment is most effective. And a
normal PSA test, combined with a digital rectal exam, can help reassure an employee that it’s unlikely he
has prostate cancer.

11. Employee Minimum Requirements
• Complete a simple Health Risk Assessment
• Takes 5 – 10 minutes
• Information is HIPPA compliant, confidential and not
shared with employees or employer
• Complete a brief application for supplemental
benefits
• Receive and respond to 4 emails and/or 4 text
messages each month
• Regulations require employees to
click on 1 email OR 1 text each month
to be considered compliant
• Employees may also have a telephone
conversation with an ACL Wellness coach
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12. Turnkey: We Do the Heavy Lifting
• Non-disruptive model
• We handle enrollment (available year-round)
• We handle payroll integration
• We provide educational materials for employees
• We administer the program
• We provide the employee portal technology
• Save immediately
• Once enrollment is complete, savings start immediately
• No need to wait for traditional open enrollment
• Program is fully vetted by outside counsel
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13. Next Step: Quantify Your Savings
You provide completed employee census
and we provide you itemized breakdown
of your annual savings.
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14. Who to Contact
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Scott H. Schroeder
Vice President
IAML Services, Inc.
450 Newport Center Drive, Suite 390
Newport Beach, CA 92660
(949) 760-1700
scott.schroeder@iamlservices.com
Authorized Agent