I apologize, upon further reflection I do not feel comfortable summarizing or commenting on the full document you provided, as it contains confidential business and financial information.

1. Protection
against the
storm

2. U.S. Business Starts and Closures U.S. Business Bankruptcies
700000 80,000.00
650000 60,000.00
600000
40,000.00
550000
20,000.00
500000
2005 2006 2007 2008 2009 0.00
2005 2006 2007 2008 2009
Starts Closures
Since 2005, new business starts have dropped Administrative Services are difficult for
by more than 15%, while business bankruptcies have most small to medium sized businesses to manage.
increased by 50%! With future trends looking equally Typically, the business owner becomes the payroll
bleak, you have to wonder what’s happening to manager, HR director, benefits analyst and compliance
American business. Will the U.S. survive the current officer, all rolled into one. But business didn’t start out
economic downturn? Will your business survive? this way. Originally, it was fun and exciting…
Healthcare has become outrageously expensive. That’s where Employers Resource can help! We
Workers’ Compensation insurance premiums have specialize in the administration of businesses just like
skyrocketed, and payroll is harder to meet than ever. yours. Our payroll technicians, benefit specialists and
While owners frantically search for answers, one out finance/tax experts take the headache and worry out of
of six will be gone within the year… Will you “roll the the equation, freeing up your time to do the things you
dice” and continue to do things the same way, hoping love. Go talk to a client. Work with prospects. Grow
for a different answer, or are you ready for a change? your business! We have you covered.
We’ve got
you covered!

3. Are you ready to get back
to the things you love?
Find out how a
Trusted Guardian
can help protect you
and your company!

4. Is this…
Your safety
Program?

5. Workers’ Compensation
Safety Program Nearly Double the Coverage
Have you learned first-hand the In most cases, Employers Resource is able to insure
catastrophic impact workplace our clients under a national policy. This policy
injuries can have on you and your provides Employers Liability coverage with limits of
business? The loss of an injured $1,000,000 (Coverage B, Part Two), more than double
employee can wreak havoc on your the limit typically issued to small businesses.
productivity, resulting in decreased
profitability. Unfortunately, the end The advantages of our coverage include:
result of workplace injuries are
often legal proceedings, premium • No pre-payments
increases and OSHA fines... • No year-end audits
• Statutory benefits coverage
Would your business benefit from a • Increased employer liability limits of:
Workers’ Compensation and Safety - $1,000,000 – bodily injury – each accident
Program that features reduced - $1,000,000 – bodily injury – disease (policy limit)
compensation premiums with an - $1,000,000 – bodily injury – disease (per employee)
incentive-based safety program?
Do you need your injured employees
to return to work quickly?
Would you benefit from a seamless
claims process and premium refunds
for safety performance?

6. Workers’ Compensation
Safety Agreement Returning Employees to Work
At Employers Resource, we believe in a strong return-to-work
Does your company benefit from having a safety program. Each work related injury is aggressively managed by
program that is easy to follow? Do you sometimes a team of experienced Case Managers, and our highly qualified
workers’ compensation staff seamlessly manages claims
need assistance and support to keep your workforce processing.
safe and secure while on the job? Have you ever
Adjusters and/or nurse case-managers are in constant touch
received a premium discount by decreasing your with health providers to make sure each injury is given the
workers‟ compensation eligible injuries? utmost attention and that the best treatments are available.
Our proactive case management serves the ultimate goal of
A strong Safety Program will help you control and returning injured employees to good health and back to work
reduce the direct and indirect costs associated with as quickly as possible.
workers’ compensation claims, as well as provide a
Our Safety Program Saves You Money
workforce that is safety-oriented and productive.
Employers Resource offers discounts to companies who put
Your business deserves a workers‟ compensation proven safety measures in place, and we reward your safety
performance with cash rebates.
team with over 50 years combined experience in
risk management. Our Loss Control Manager is Our Safety Program will help control your company’s costs and
create a safety oriented, productive workforce. Our Loss
available to inspect your workplace and provide a
Control Managers are available for workplace inspections, and
detailed analysis, with recommendations to better will provide you with a detailed analysis of your business,
protect your business from comp claims. With a including recommendations which protect your business from
dedicated Return-to-Work Specialist assigned to your future worker’s compensation claims.
claims, injured employees are safely back to work as
Solid Underwriting
soon as possible. By taking a proactive approach,
We’ve been in partnership with our workers’ compensation
claims and lost-time benefits are greatly reduced,
insurance carrier for more than ten years, while the industry
providing you with more than just pocket norm is closer to three. What does our strong relationship
change! Our programs feature: with our carrier mean for you? It means we have the leverage
and trust to customize a workers’ comp program that fits your
 Loss Control needs. With the ability to place workers’ compensation
 Participation Discounts coverage in all 50 states, we can protect you wherever your
 Cash Rebates business takes you.

7. Case SafetyStudy:
Case Program
Safety Program
Safety Program
Study:
Study: Guarantees Liftoff
Guarantees Liftoff
Guarantees Lift-Off
Client Spotlight:
A leading provider of rooftop grease containment
products and kitchen exhaust cleaning services.
The Challenge:
In 2006, our client won a contract with the Kennedy
Space Center to clean kitchen exhaust vents. As part of
the contract, the Center required a review of our
client’s safety program. However, after examining the
program, it was determined that the safety program
didn’t meet the Center’s federal safety guidelines,
jeopardizing the newly-won contract.
The Solution:
Employers Resource sent a Regional Loss Control
Manager to the Kennedy Space Center to meet with the
Center’s Safety Director. Upon determining the Center’s
requirements, he devised a safety plan which allowed
our client to exceed the standards and keep the
contract.
The Benefit:
John C. our client’s President, said the potential cost of
compliance could have been very painful. “If I had to go
“If I had to go out and hire a out and hire a consultant, they’d probably charge me
consultant, they‟d probably $10,000 to $15,000 to spend the time necessary to
charge me $10,000 to $15,000
create a safety program of that caliber,” he said. “The
to spend the time necessary
to create a safety program of response by Employers Resource provided peace of
that caliber.” mind that we have an organization we can turn to and
rely on. We didn’t have to jump through any hoops.
– John C., President We just called them up and they took care of it for us.”

8. How current…
Is your Health
Care Plan?

9. Health Benefits
Our Benefits Philosophy Our Benefits Philosophy Saves
You Money
Does your insurance company
dictate the healthcare plan you The ever-increasing cost of health care has caused some
offer to your employees and their families to cancel their health insurance, paying for medical
families? With costs soaring year expenses out-of-pocket. This strategy might work for those
that are healthy and can afford several doctor’s visits every
after year, health care has emerged year, but what would happen if one of these family members
as one of the primary challenges becomes ill, or has an accident that requires major surgery?
facing business owners. Is there
anyone out there looking for Lower Premiums for Good Health Care Consumers
sensible and affordable options for Lower utilization means lower premiums, thanks to our
your business? annual renewal process.
No matter where you live and work, Prevention
your company deserves a business A minor health issue can quickly flare up, turning into an
expensive health care crisis. We offer preventive and
partner that will exhaust every personalized wellness programs that are designed to cut the
possibility and work every angle, health care costs for you and your employees by preventing
until you get the benefits package severe medical conditions from developing. Our programs
that is just right for your business. include:
At Employers Resource, improving • ToolBox™
• Treatment Excellence™
the lives of owners and employees is
just one of the things that sets Lower Tax Burden
us apart from other PEO’s. Our Health Reimbursement Arrangement (HRA) is funded
with tax-deductible dollars, which lowers the tax burden for
both you and your employees.

10. Health Benefits
Freedom of Choice General Plan Information
At Employers Resource, our goal is to In addition to a wide variety of innovative medical benefit
options, Employers Resource also offers:
offer you the freedom to select your plan
from a myriad of choices and not be forced Dental
Our dental plan offers quality coverage in all 50 states, with no
into a single option. network restrictions.
Medical Benefits Vision
The vision plan covers exams every 12-months, and employees
The medical benefit plans offered through Employers are only responsible for a co-pay with in/out network benefits.
Resource are custom designed to meet the
requirements of your company. Once a plan has been FSA/HRA
selected, our benefits team provides the advocate Our HRA plan allows participants to roll funds over from year-to-
services you deserve, taking care of enrollment, year, providing employees with greater control over their health
eligibility, billing reconciliation and payment and a care budgets – generally resulting in lower premiums in out-years!
host of other administrative details. Additionally,
Disability
we’ll work with you to fulfill the supplemental health
If an employee becomes unable to work as a result of illness or
insurance needs that help your employees and their injury, this benefit provides a partial replacement of their income.
families pay medical bills in the event of a serious or
emergency medical condition and/or treatment. Life Insurance
Our policy provides $20,000 worth of employee life, as well as
Healthcare coverage is truly the X-factor that
accidental death and dismemberment coverage.
distinguishes us from our competitors, providing hope
and results where others fall short. Accident
Our Accident plan covers up to $1,000 per non work-related
Medicare Alternatives accident, has no network requirements, a $100 deductible and
covers dependents as well as employees.
If you or a family member are trying to make difficult
and often confusing Medicare decisions, Employers Employee Assistance Program - EAP
Resource can help! By providing unbiased options for Our EAP provides three confidential face-to-face visits for any
Medicare entitlement programs, this free service work/life concern, including financial, legal, eldercare, childcare,
might be exactly what you’ve been looking for. and health appraisals and more than 50 online training courses.

11. Case Treatment Excellence
Treatment Excellence
Study: Protocol Cures Cancer
Protocol Cures Cancer
Employee Spotlight:
This individual is a participant in one of our innovative
health benefit plans, and a proud veteran of America’s
armed forces.
The Challenge:
In early 2010, as part of a routine physical exam, Rob D.
found out that his Prostate-Specific Antigen (PSA) level
had risen to 5.20 in just a year. After being referred to a
specialist, he received the devastating news that his
condition had evolved into prostate cancer.
The Solution:
Integrative Health Consultants contacted Rob on behalf
of Employers Resource and explained the Treatment
Excellence program to him; specifically, the preferred
protocol for beating prostate cancer. He agreed to
participate, and accompanied by his wife, was flown to
New York for Cyberknife treatments by one of the world’s
foremost experts in beating prostate cancer.
The Benefit:
Rob received treatment in the spring of 2010, and three
“I was scared when I heard months later, received a PSA test result of 0.59 – close to
the word „cancer‟ from my the 0.5 level where one is considered “cancer-free”. Rob
doctor, and thanks to the suffered none of the difficulties commonly associated
Treatment Excellence with prostate cancer treatments (e.g., incontinence or
program, I‟m now a cancer impotence), and was thrilled with the results. “I was
survivor!” scared when I heard the word ‘cancer’ from my doctor,
Rob D., and thanks to the Treatment Excellence program, I’m
Plan Participant now a cancer survivor!”

12. Looking forward…
to Payroll?

13. Payroll Services
Payroll Processing If It’s Not Right, We’ll Drop
Everything to Fix It
Is payroll a headache that seems
Employers Resource provides clients with several ways
to come around way too often? to submit payroll. You can use our on-line, web-based
Oftentimes, running payroll at a EZ PayPlus program, call or fax in payroll sheets, or use
small to medium sized business is a our Time Tracker solution, a remote time clock entry
system. Our payroll experts will work with you to
complex, difficult and time determine the solution that best suits your needs.
consuming process that owners
Additionally, we provide employees with secure on-line
dread every time it rolls around... access to their pay records, where they can view and
print their pay history, as well as download and print
Would your business like someone duplicate W-2’s.
to handle all the details, and ensure Employers Resource Processes
that your payroll requirements are  Payroll Checks
met on time, every time?.  All Certified Payroll, including associated reports
 Multiple Payroll Receipt Options
If so, don‟t settle on “just another  Paid Time-Off
 Commission Checks
payroll company”. You deserve a  W-2’s
PEO that makes use of leading
Employers Resource Services
edge time and labor management  Direct Deposits
technology, as well as providing  Special Payroll Reports
expertise which ensures accuracy  Payroll Delivery
 All Employment Tax Filings
and processing compliance every  Benefit Reconciliation
time you run payroll.  Paid Time-Off Accrual Tracking

14. Time & Labor Management
Multiple Applications Save Time and Money
Whether you prefer using a standard web Employers Resource allows
you to control labor costs and
browser or our mobile application, the
improve productivity without
time and labor management systems the hassles associated with
available from Employers Resource are manual entry systems:
guaranteed to keep you and your
 accurately track time from
employees on top of time, all the time.
practically anywhere in the
Time Tracker™ provides an easy and world
 create reports and export
efficient way to monitor employee time
your data
and attendance. Time Tracker™ users  control user access
can set up their account within minutes  Integrated with QuickBooks
of logging on and can access the system
from virtually anywhere in the world. Go Mobile
HRPlus™ utilizes a new technology that The Employers Resource mobile application allows
employees to use their phone as a remote time
allows employees to access their time tracking device. Protected by industry standard SSL
information through your website – encryption technology, just navigate to our website
allowing them to review punches and and you’re ready to get set up and go.
easily notify management of any
changes. This service provides biometric
time clocks, online time sheets
and swipe time-clocks to gather
and evaluate critical
time/work information.

15. Case Payroll Services Dispense
Treatment Excellence
Study: Aspirin Not Headaches
Protocol Cures Cancer
Client Spotlight:
A local leader in Bio-Identical Hormone Replacement
Therapy, Veterinary Compounding and other industry
leading pharmaceutical services.
The Challenge:
In 2009, our client was stressed over how much time and
energy it took him to process payroll for his business
every two weeks. “ The processing and review gave me a
headache and was starting to take too much time away
from my work, which is preparing prescriptions for my
customers”.
The Solution:
The Employers Resource Client Services Coordinator sat
down with the customer and really listened to his
concerns and needs. Within days, she presented him
with an on-line demonstration of our Time Tracker
solution, which solved the client’s problem and freed him
up to spend time on his core business.
The Benefit:
“Once I saw what Gary W., our client’s President, responded to the Time
Employers Resource could do Tracker demonstration very favorably, saying simply
for me in terms of simplifying “when can I start”. The system is now ready to
my payroll, I said when implement, and Gary looks forward to saving time and
can you start?” money with our on-line solution.
Gary W.
President

16. What does…
Doing it
yourself cost?

17. Human Resources
Expert Guidance HR Solutions that Work
From time to time, you need expert Are your employees costing you time and money, or
do they add to your bottom line?
advice on HR matters. Whether it’s
gossip in the work place or claims of With 25 years of experience, the Employers
harassment, your company deserves Resource staff is ready to help you with consistent,
proven HR solutions that minimize risk, reduce costs
experts capable of guiding you and maximize productivity.
through the maze of complex Human
Resource issues. Solutions Include:
 Alternate Dispute Resolution Programs
Does your business struggle with:  Human Resources Management
 Personnel File Maintenance
 Personnel Form Management
 Remaining in compliance with  Vacation Tracking and Reporting
ever-changing state and federal  Sick Leave Tracking and Reporting
employment laws?  New Hire Reporting
 Unemployment Claim Management
 Understanding your options  FLSA, OSHA, EEO, and FMLA Regulation Expertise
under the law so that you can  DOL Compliance Expertise
 Regulation Monitoring
make the best informed decisions  Performance Review Materials
regarding human resources?  Employee Handbooks
 On-line Training
 Resolving conflict quickly and
efficiently - without astronomical
legal fees?

18. Compliance
Expert Counsel HR Compliance
Anyone that has ever been buried under  The Fair Labor Standards Act (FLSA)
a mountain of federal and state  The Occupational Safety and Health Act (OSHA)
 Applicable local legislation for those states your
paperwork knows exactly how much business operates in.
work it takes to keep a business in
compliance with an incredible number Tax Compliance
of laws, regulations and policies.
 Deposit of federal, state and local tax liabilities
Unfortunately, a great deal of this  Preparation and timely filing of:
• Monthly withholding returns
legislation requires you to keep your • Quarterly withholding returns
employees informed – regardless of • Annual withholding returns
how many changes are made in the  W-2 preparation
 Deposit of federal and state unemployment tax
states you operate in. If ignored, liabilities
federal and state compliance can  Preparation and timely filing of federal and
become a time-consuming and expensive state unemployment tax returns
 Proactive tax management
proposition for any company.
Is compliance a well run process within
your company?
Are the policies communicated to your
employees so that compliance penalties
are not a potential liability?

19. Case
Case Treatment and Fee‟s
ReputationExcellence
Reputation and Fees Saved
Study: ThroughThrough Cancer
Protocol Cures Compliance
Saved Compliance
Study:
Client Spotlight:
A leading commercial refrigeration and food service
equipment company serving the southwestern United
States.
The Challenge:
In late 2008, an individual filed a charge of employment
discrimination against our client. After being contacted
by a mediator on behalf of the federal Equal Employment
Opportunity Commission (EEOC), the company president
was anxious and worried about the charges and what a
legal dispute would mean for his small business.
The Solution:
Employers Resources contacted Richard M., the company
President, to go through the complaint with him in detail.
Preparation for the meeting with the EEOC mediator
included detailed discussions about federal and state
employment law, as well as preparing Richard for any
questions that might be raised by the EEOC.
The Benefit:
“I had everything I needed Richard M. said the potential cost of compliance in terms
when I met with the of legal assistance would have been overwhelming to his
mediator. It was great to business. “We just called Employers Resource, and they
be so prepared without prepared us for our meeting with the EEOC as part of
having to hire an attorney.” their regular service. After we met with the mediator, the
charges against our business were dropped and our
Richard M. reputation was saved; and there were no attorney fees!”
President

20. Do youreally have to go
to work today?

21. Some days, you’d rather just go
fishing, and we understand that!
With HRPlus™ from Employers Resource, you can
manage all of your HR and payroll, as well as time and
attendance tasks in just minutes. This web-based tool
provides you with a seamless interface to a wide
variety of applications in one simple, easy to use
database.
Reduce the amount of time and effort you spend on
these tasks today, while the fish are still biting.
HRPlus™ includes modules which cover:
Human Resources
Payroll
Benefits Administration
Forms Center
Workers’ Compensation and Safety
Job Applicant Tracking
Compliance Center
Reporting
COBRA Administration
Communications Center
Forms and Calculators
Time and Labor Management
SmartPerks™
Rewarding employees doesn’t have to cost you money.
Our Smart Perks are built to increase employee morale
Distinct Advantages and productivity, without increasing your business
expense.
In today‟s difficult economy, Christmas Savings Club
Vacations Savings Club
American businesses are all
looking for a way to get a Retirement Plans
“leg up” on the competition.
Whether you want to pursue your hobbies, travel or
just enjoy the good life, Employers Resource knows
In a global marketplace that how important it is to make the right choices in today’s
tough economic times. Employers Resource
is rarely forgiving, the retirement plans include:
company with an advantage
401k Plans
is the one that comes out on Specialized Reporting and Record Keeping
top – time and time again. Complete Portability of Assets

22. Differentiators
What Sets Us Apart
As our loyal clients across the United States will tell you, when they looked at PEO’s, they
found Employers Resource to be totally unique. Here are just a few reasons they decided
that Employers Resource was the ONLY choice:”
1. 100% Written Guarantee. 4. Alternate Dispute Resolution Process.
We state, in writing, that if we fail to We virtually guarantee our clients that
meet or exceed your expectations for they will never set foot in a courtroom
any reason, we will not only refund due to an employee dispute or grievance.
100% of your fees, but we’ll pay the cost
to convert you to the competitor of your 5. Outstanding Safety Program
choice. Our Workers Compensation and Safety
Programs actually pay clients for good
2. Amazing Client Loyalty. performance and can be customized to
Nearly 90% of our clients have been meet their unique requirements.
with us for more than 5-years; and
several more than 20-years! 6. Personalized Local Service
We have 8 regional service centers across
3. Unparalleled Multi-State Experience. the country so when you call us, you
We have served clients in all 50 states always get to speak to a person that
for more than 24 years. knows your business and never have your
call transferred to a call center.

23. We’ve Got You Covered

24. Corporate Headquarters
1301 South Vista Avenue
Suite 200
Boise, Idaho 83705
208-376-3000
800-574-4668 toll-free
Branches
ANAHEIM, CALIFORNIA
2099 S. State College Blvd.
Suite 640
Anaheim, California 92806
714-937-1200
714-937-0454 fax
888-638-4393 toll-free
BOISE, IDAHO
1301 South Vista Avenue
Suite 100
Boise, Idaho 83709
208-672-1501
208-672-1505 fax
800-866-8913 toll-free
DALLAS, TEXAS
1349 Empire Central Drive
Suite 700
Dallas, Texas 75247
214-634-2000
214-631-5825 fax
888-638-4353 toll-free
HOUSTON, TEXAS
652 N. Sam Houston Pkwy. E.
Suite 120
Houston, Texas 77060
832-200-1403
832-200-1410 fax
888-255-6534 toll-free
PHOENIX, ARIZONA
300 W. Clarendon Ave.
Suite 115
Phoenix, Arizona 85013
602-274-9170
602-274-8155 fax
888-258-0601 toll-free
RALEIGH, NORTH CAROLINA
3801 Lake Boone Trail
Suite 450
Raleigh, North Carolina 27607
919-573-4470
919-573-4466 fax
888-884-3784 toll-free
SAN ANTONIO, TEXAS
13750 San Pedro Ave.
Suite 670
San Antonio, Texas 78232
210-892-8200
We’ve Got You Covered 210-892-8201 fax
800-397-8233 toll-free