Humaculture, Inc.

Watch a replay of the fifth webinar in Humaculture, Inc.'s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why and how the Social Context within an Organization impacts performance and well-being and how it can be used to grow capabilities, inspire motivation, overcome barriers, and resist temptations to lead to Optimal Behavior. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Colin Bullen, ASA, behavior change actuary • Hanlie van Wyk, behavior change consultant OBJECTIVE In this fifth session in our series on Optimal Behavior, we explore how the Social Context influences behavior and change. To achieve Optimal Behavior, attempts to change require the support of People along the way. The powerful influence of our friends, families, colleagues, bosses, and social connections is around us all the time. In the workplace, change rarely happens unless there are early adopters who visibly engage in the new behavior for others to copy – acting as a role model for the desired Optimal Behavior. These early adopters, who are known by many names including ‘Change Agents’ or ‘Champions’, provide an energy that Inspires Motivation while demonstrating to People like them that change is possible, which builds confidence. Companies successfully moving toward Optional Behavior will connect People to build willpower and make very clear the expectations of everyone involved. Finally, new ways of behaving should be reinforced by creating a new corporate hero archetype who succeeds by demonstrating Optimal Behaviors, not others! “It was only a sunny smile, and little it cost in the giving, but like morning light it scattered the night and made the day worth living.” – F. Scott Fitzgerald KEY TAKEAWAYS Join us to learn: • How ineffective organizations fail to: - Understand the power of social connection - Create conditions to make connections natural - Reinforce the messages to keep people on track • How effective organizations: - Leverage social contagion and champions - Create opportunities for natural interaction - Celebrate early adopters and share willpower

Watch a replay of the fourth webinar in Humaculture, Inc.'s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why and how the Systems employed in an Organization impact performance and well-being and how they can be used to grow capabilities, inspire motivation, overcome barriers, and resist temptations to lead to Optimal Behavior. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Colin Bullen, ASA, behavior change actuary • Hanlie van Wyk, behavior change consultant OBJECTIVE In this fourth session in our series on Optimal Behavior, we explore how the Systems context influences behavior and change. To be able to evolve towards Optimal Behavior, people need to be surrounded by Systems that support them on their journey. The Systems context contains all the tools and guidelines that help us on our way every day. In the workplace these are policies and procedures, enterprise resource management Systems, pay, benefits, and rewards, as well as that curious thing we often refer to as “the way we do things around here.” Anything that signals the optimal way to behave in each Organization. If any of those Systems are misaligned with the Optimal Behavior you’re trying to achieve, your change efforts will fail. The Organizations that recognize this know how to adjust those Systems, including when to bring things into the public eye and when to keep them quiet. They will also be aware that rewards for engagement need to drive intrinsic motivation if the Organization is to develop optimal habits that last. “A bad system will beat a good person every time.” – W. Edwards Deming KEY TAKEAWAYS Join us to learn: • How ineffective Organizations employ Systems that: - Limit growth and development - Lead to discouragement and apathy - Create unintended barriers or temptations • How effective Organizations: - Build habits into processes - Provide meaningful rewards built on recognition and appreciation - Balance private correction and open dialogue

Watch a replay of the third webinar in Humaculture, Inc.'s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why the self can hamper performance and well-being and how to help People to grow capabilities, inspire motivation, overcome barriers, and resist temptations in order to lead to optimal behavior. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Colin Bullen, ASA, behavior change actuary • Hanlie van Wyk, behavior change consultant OBJECTIVE In this third session in our series on optimal behavior, we explore how the Context of Self influences behavior. To be effective within the Organization, People need to know and manage themselves through their own narrative and understand the same for the People around them. Organizations fail to use narrative stories to connect People to the meaning of changes they are trying to make. Organizations shy away from giving People constructive feedback, yet People need feedback to Grow. Organizations fail to articulate the reason the Organization exists and how People connect with it. To inspire people to perform, Organizational purpose needs to be clear and create emotional attachment, driving motivation. Finally, Organizations associate fun as something that happens outside the workplace and having fun is regarded as unproductive. However, scientists have discovered that it takes approximately 400 repetitions to create a new synapse in the brain, unless it is done in play, in which case it only takes 10 to 20 repetitions. “The measure of intelligence is the ability to change.” Albert Einstein KEY TAKEAWAYS Join us to learn: • How ineffective organizations: - Don't understand how People change behavior - Don't Grow Capability and Confidence to change - Don't motivate and inspire change - Don't recognize how People inhibit sustained behavior change • How effective organizations: - Grow competence in change resilience - Inspire and motivate - Deploy change sustaining reinforcement tools

Watch a replay of the third webinar in Humaculture, Inc.’s “People Development: A Humaculture® Perspective Series” to learn how to conduct Career Planning to support manager development, and why “Effective Pruning Bears Fruit” by building manager capabilities. PRESENTERS Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant Wes Rogers, Humaculturist® and strategy consultant Christi Green, RN, MS, PHR, strategy and people consultant OBJECTIVE We’ve talked about how to “Effectively Prune” to activate and inspire our workplace AND workforce to further grow and develop employees. Now this webinar focuses on how to develop managers to facilitate growth instead of control, to focus on people in addition to results, and to be vision driven instead of a problem solver. This leads to growth and new directions as opposed to staying rooted in the current problems. KEY TAKEAWAYS • Organizations fall into the “star” employee syndrome • Organizations don't think from a people development perspective • Culture of Control creates a toxic environment • For effective manager development organizations must: - Promote intentionally to fulfill vision, mission, values - Effectively identify manager qualities/potential - Develop and deploy learning and growth opportunities - Shift from Culture of Control to Culture of Growth - Prepare for appropriate transitions

Watch a replay of our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS, present at the Houston Business Coalition on Health on How to Reduce Total Cost of Care Through Organizational Culture. Joining him as a presenter is Ray Fabius, MD, Co-Founder and President of HealthNEXT.

Watch a replay of the second webinar in Humaculture, Inc.'s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why spaces can hamper performance and well-being and how to design your spaces to lead to optimal behavior. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Colin Bullen, ASA, behavior change actuary • Hanlie van Wyk, behavior change consultant OBJECTIVE In this second session in our series on optimal behavior, we explore how spaces influence behavior. The physical space in which you work can elicit mental and physical reactions that impact positively on performance, mental wellbeing and physical health. Today, physical configuration of buildings reflects a bias toward human energy conservation—and against physical activity, thereby contributing to sedentary behavior which has been linked to nearly all costly lifestyle diseases. In addition, the World Health Organization (WHO) estimates that 30% of new or remodeled office buildings show signs of Sick Building Syndrome (SBS) and that between 10% and 30% of the occupants of these buildings are affected by SBS, e.g. lethargy. Research further indicates that your physical space can have a positive effect of up to 22% on a range of performance indicators, such as improved concentration, focus, collaboration, learning and cognitive control (working memory, inhibition, and cognitive flexibility). Furthermore, loyalty to an organization is increasingly determined by social and place attachment. “We shape our buildings, and afterwards, our buildings shape us.” –Winston Churchill KEY TAKEAWAYS Join us to learn: • Why spaces do not support well-being and may lead to sickness • Why spaces hamper performance • Why spaces are built counter to tasks • How effective spaces can be designed to: - Support healthy behavior and choices - Improve innovation and performance - Support efficient task completion

Watch a replay of the first webinar in Humaculture, Inc.'s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why organizations don’t effectively execute change and be introduced to some of the concepts that facilitate optimal behaviors to support a high-performing culture. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Colin Bullen, ASA, behavior change actuary • Hanlie van Wyk, behavior change consultant OBJECTIVE This is the introductory webinar in our new series on optimal behavior. We explore why people have difficulty in achieving and sustaining change, the difference between short term changes in behavior and long term change though habits, what it takes to achieve optimal behavior in a population, and how to use influence to create a high-performing culture. KEY TAKEAWAYS During this session, participants will learn that: • Why people find it hard to behave optimally • Why people behave inconsistently • Why organizations fail to execute change effectively • How effective organizations: - Set the contexts to influence behavior - Understand the powers that influence behavior - Use influence to create a high-performing culture

Watch a replay of the third webinar in Humaculture, Inc.’s “People Development: A Humaculture® Perspective Series” to learn how to conduct Career Planning to support leadership development, and why “Effective Pruning Bears Fruit” by building leadership capabilities. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Christi Green, RN, MS, PHR, strategy and people consultant LEADERSHIP DEVELOPMENT OBJECTIVE We've talked about how to develop managers to lead to growth and new directions as opposed to staying rooted in the current problems. Now this webinar focuses on how to develop leaders to advance strategy, focus on people, and inspire performance. This results in leadership cultivating the organizational "soil" which leads to real, practical changes that advance the business. LEADERSHIP DEVELOPMENT KEY TAKEAWAYS During this session, participants will learn that: • Leaders fail to make decisions • Leadership vacuums create confusion and a toxic environment • Leaders who lack a broad perspective undermine operations • For effective leadership development organizations must: - Understand effective leadership qualities - Build and cultivate the right organizational “soil” - Develop leaders who have good intuition and decision-making skills - Ensure well-rounded leadership team with appropriate autonomy - Nurture and develop for intended purposes

Watch a replay of the third webinar in Humaculture, Inc.’s “People Development: A Humaculture® Perspective Series” to learn how to conduct Career Planning to support employee development, and why “Effective Pruning Bears Fruit” by building employee capabilities. PRESENTERS Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant Wes Rogers, Humaculturist® and strategy consultant Christi Green, RN, MS, PHR, strategy and people consultant EMPLOYEE DEVELOPMENT OBJECTIVE We’ve talked about how to “Walk the Garden” to assess employees as well as help them develop capabilities to align with the organization’s vision, mission, and values. Now this webinar focuses on how to activate and inspire our workplace AND workforce to further grow and develop employees. Research is abundantly clear that engaged employees help organizations succeed and bear fruit. There is no silver bullet to increase retention/reduce turnover. However, we do believe that investing in the organizational soil and the culture to nurture and support people will bear the fruits of success! EMPLOYEE DEVELOPMENT KEY TAKEAWAYS During this session, participants will learn that: • Organizations sometimes fall into the “warm body syndrome” trap • Unhealthy/misaligned cultures disrupt employee development efforts • Career planning tends to only occur only for a select few • For effective employee development organizations must: - Hire and develop intentionally to fulfill the vision, mission, values - “Prune” to focus growth as well as direct energy and effort - “Trellis and irrigate” to support desired growth - Prepare for appropriate transitions AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: info@humaculture.com.

Watch a replay of the second webinar in Humaculture, Inc.'s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why spaces can hamper performance and well-being and how to design your spaces to lead to optimal behavior. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Colin Bullen, ASA, behavior change actuary • Hanlie van Wyk, behavior change consultant OBJECTIVE In this second session in our series on optimal behavior, we explore how spaces influence behavior. The physical space in which you work can elicit mental and physical reactions that impact positively on performance, mental wellbeing and physical health. Today, physical configuration of buildings reflects a bias toward human energy conservation—and against physical activity, thereby contributing to sedentary behavior which has been linked to nearly all costly lifestyle diseases. In addition, the World Health Organization (WHO) estimates that 30% of new or remodeled office buildings show signs of Sick Building Syndrome (SBS) and that between 10% and 30% of the occupants of these buildings are affected by SBS, e.g. lethargy. Research further indicates that your physical space can have a positive effect of up to 22% on a range of performance indicators, such as improved concentration, focus, collaboration, learning and cognitive control (working memory, inhibition, and cognitive flexibility). Furthermore, loyalty to an organization is increasingly determined by social and place attachment. “We shape our buildings, and afterwards, our buildings shape us.” –Winston Churchill KEY TAKEAWAYS Join us to learn: • Why spaces do not support well-being and may lead to sickness • Why spaces hamper performance • Why spaces are built counter to tasks • How effective spaces can be designed to: - Support healthy behavior and choices - Improve innovation and performance - Support efficient task completion

Watch a replay of the first webinar in Humaculture, Inc.'s “Optimal Behavior: Making Optimal Behavior the Natural Choice” to learn why organizations don’t effectively execute change and be introduced to some of the concepts that facilitate optimal behaviors to support a high-performing culture. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Colin Bullen, ASA, behavior change actuary • Hanlie van Wyk, behavior change consultant OBJECTIVE This is the introductory webinar in our new series on optimal behavior. We explore why people have difficulty in achieving and sustaining change, the difference between short term changes in behavior and long term change though habits, what it takes to achieve optimal behavior in a population, and how to use influence to create a high-performing culture. KEY TAKEAWAYS During this session, participants will learn that: • Why people find it hard to behave optimally • Why people behave inconsistently • Why organizations fail to execute change effectively • How effective organizations: - Set the contexts to influence behavior - Understand the powers that influence behavior - Use influence to create a high-performing culture

Watch a replay of the Insurance Collaborative to Save Lives (ICSL) Executive Briefing, in which our CEO, Steve Cyboran, ASA, MAAA, FCA, CEBS participated. Steve discusses how small investments can yield significant returns. Not only does preventive medical screening in this collaborative need to achieve outcomes, but it also needs to make economic sense. Return on investment can be increased by decreasing screening costs, increasing the effectiveness of screening, and targeting larger policies first. PRESENTERS • Josh Stirling, Founder of Insurance Collaboration to Save Lives, Insurtech Advisor, Board Director and Former #1 Ranked Insurance Analyst • Steve Cyboran, ASA, MAAA, FCA, CEBS, CEO, Consulting Actuary, Chief Behavioral Officer, Humaculture, Inc. • Sven Lohse, Principal, Research at Canton & Company OBJECTIVE At the ICSL, dozens of industry executives have been developing a plan to help insurers proactively address the tragedy of rising mortality and morbidity. Excess mortality and morbidity is a problem for our industry, and society. The ICSL is bringing together insurers to work together to solve it. Find out the impact we can make from Steve Cyboran in this presentation on slides 33-36 and at 32:46 in the video.

Watch a replay of the third webinar in Humaculture, Inc.’s “People Development: A Humaculture® Perspective Series” to learn how to conduct Career Planning to support leadership development, and why “Effective Pruning Bears Fruit” by building leadership capabilities. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist®and strategy consultant • Christi Green, RN, MS, PHR, strategy and people consultant OBJECTIVE We've talked about how to develop managers to lead to growth and new directions as opposed to staying rooted in the current problems. Now this webinar focuses on how to develop leaders to advance strategy, focus on people, and inspire performance. This results in leadership cultivating the organizational "soil" which leads to real, practical changes that advance the business. KEY TAKEAWAYS During this session, participants will learn that: • Leaders fail to make decisions • Leadership vacuums create confusion and a toxic environment • Leaders who lack a broad perspective undermine operations • For effective leadership development organizations must: - Understand effective leadership qualities - Build and cultivate the right organizational “soil” - Develop leaders who have good intuition and decision-making skills - Ensure well-rounded leadership team with appropriate autonomy - Nurture and develop for intended purposes

Watch a replay of the third webinar in Humaculture, Inc.’s “People Development: A Humaculture® Perspective Series” to learn how to conduct Career Planning to support manager development, and why “Effective Pruning Bears Fruit” by building manager capabilities. PRESENTERS Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant Wes Rogers, Humaculturist® and strategy consultant Christi Green, RN, MS, PHR, strategy and people consultant KEY TAKEAWAYS • Organizations fall into the “star” employee syndrome • Organizations don't think from a people development perspective • Culture of Control creates a toxic environment • For effective manager development organizations must: - Promote intentionally to fulfill vision, mission, values - Effectively identify manager qualities/potential - Develop and deploy learning and growth opportunities - Shift from Culture of Control to Culture of Growth - Prepare for appropriate transitions

Steve Cyboran, ASA, MAAA, FCA, CEBS, Humaculture, Inc. CEO presents with Ray Fabius, MD, Co-Founder and President of HealthNEXT Faizar A. Bhojani, MD, Retired Shell Global health Lead, Downstream Manufacturing Regional Health Manager

Wishing you a time of joy, sharing, service, and growth! Merry Christmas and a happy New Year!

Watch a replay of the third webinar in Humaculture, Inc.’s “People Development: A Humaculture® Perspective Series” to learn how to conduct Career Planning to support employee development, and why “Effective Pruning Bears Fruit” by building employee capabilities. PRESENTERS Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant Wes Rogers, Humaculturist® and strategy consultant Christi Green, RN, MS, PHR, strategy and people consultant KEY TAKEAWAYS During this session, participants will learn that: • Organizations sometimes fall into the “warm body syndrome” trap • Unhealthy/misaligned cultures disrupt employee development efforts • Career planning tends to only occur only for a select few • For effective employee development organizations must: - Hire and develop intentionally to fulfill the vision, mission, values - “Prune” to focus growth as well as direct energy and effort - “Trellis and irrigate” to support desired growth - Prepare for appropriate transitions AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: info@humaculture.com.

Watch a replay of the second webinar in Humaculture, Inc.’s “People Development: A Humaculture® Perspective Series”, to learn how to shape talent for success by “Pruning the Vines,” using capabilities to prune to encourage growth so employees to fulfill their potential and maximize alignment and productivity. PRESENTERS Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant Wes Rogers, Humaculturist® and strategy consultant Christi Green, RN, MS, PHR, strategy and people consultant KEY TAKEAWAYS During this session, participants will learn that: • Competencies tend to be just a checklist of skills to manage • People that focus on everything may not be very good at anything • Highly skilled employees may not thrive in management or leadership • Effective people development: - Is rooted in a clear understanding of organizational vision - Facilitates growth, supports optimal organizational (garden) design - Assesses skills and needs to support strategic priorities - Explores the employee’s interests, abilities, and desires - Identifies potential for transitions, management, or leadership - Applies principles that work AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. Our team includes business and human relations leaders, finance experts, actuaries, clinicians, behavioral health experts, pharmacy experts, and legal resources to guide you through the strategy and compliance process. Please contact us: info@humaculture.com.

Watch a replay of the first webinar in Humaculture Inc.'s People Development: A Humaculture® Perspective Series. "Performance Management: Walking the Garden - Shift from Managing to Facilitating Growth" explores ways organizations can shift traditional performance management from the dreaded once-a-year process that is focused on past performance into an on-going discussion. PRESENTERS Steve Cyboran, ASA, MAAA FCA, CEBS, actuary and strategy consultant Wes Rogers, Humaculturist® and strategy consultant Christi Green, RN, MS, PHR, strategy and people consultant KEY TAKEAWAYS During this session, participants will explore: • The pitfalls of trying to “manage performance” • Why traditional “performance management” is a dreaded process, often detrimental to employee relationships, culture, and productivity • How manager job design and span of control may limit effectiveness • How effective people development will: - Shift from “managing performance” to facilitating growth - Help managers and leaders learn to “walk the garden” - Lead to better alignment between employees’ personal/professional goals and the organization’s strategic priorities AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us: info@humaculture.com.

Watch a replay of the fifth webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on how to use fee disclosure to leverage behavioral design, seek strategic advisors, and optimize plan efficiency. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant FEE DISCLOSURE KEY TAKEAWAYS During this session, participants will learn that: • It seems Congress doesn’t believe group health plan fiduciaries are knowledgeable about fees • This may be a first step to shine light on fee reasonableness, conflicts of interest • While the plan fiduciary remains responsible, advisors are put on notice to disclose • Mere compliance ignores the opportunity to cultivate the organizational soil • Leveraging Fee Disclosure as a means of “Pest Management” can: -- Identify conflicts of interest and inferior value in services provided -- Avoid advisors who haven’t already fully disclosed their compensation -- Seek advisors who take a strategic approach, cultivate your organizational soil -- Employ behavioral design to align interests AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us: info@humaculture.com.

Watch a replay of the fourth webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on why mental health issues, costs, and administration continue to increase despite Mental Health Parity efforts and how to effectively respond. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant MENTAL HEALTH PARITY KEY TAKEAWAYS During this session, participants will learn: • Mental Health Parity in health benefits has not reduced mental health issues • In fact, mental health issues continue to increase despite efforts to equalize benefits • Mere CAA compliance will increase costs and administration • How investing in the soil is “A Lucid Approach” and an example of a strategic action to: -- Avoid what can be avoided -- Leverage the purpose, alignment, and health of the organization -- Build organizational resilience and mental fitness -- Communicate all negatives as the result of compliance -- Leverage behavioral design to achieve meaningful impact AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us: info@humaculture.com.

Watch a replay of the third webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on why the new pharmacy transparency law will not increase transparency; will increase costs, administration, and litigation risk; and how to effectively respond. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant • Scott McKibbin, strategy and pharmacy consultant PHARMACY TRANSPARENCY KEY TAKEAWAYS During this session, participants will learn: • Transparency is a misnomer – New rules don’t provide transparency • Pharmacy is likely to continue to be rather “opaque” • The conundrum – mere compliance will likely increase costs, administration, and litigation risk • How to use Acquisition Cost Based Pharmacy Pricing as well as Behavioral Design and Messaging as examples of strategic actions to: -- Avoid what can be avoided -- Provide true transparency with pharmacy benefits -- Empower consumers to make better, more clinically appropriate decisions -- Communicate all negatives as the result of compliance -- Inform/educate consumers (before they become patients) AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us: info@humaculture.com.

Watch a replay of the second webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on Surpassing Mere Compliance and includes an example of leveraging Health Savings Accounts (HSAs) to use tax preferences to finance what can’t/shouldn’t be avoided, promote financial well-being, and make benefits more distinctive in talent attraction and retention. PRESENTERS • Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant • Wes Rogers, Humaculturist® and strategy consultant • Jack Towarnicky, LLM, JD, MBA, CEBS, attorney, strategy and compliance consultant • Kelley C. Long, CPA/PFS, CFP®, accountant, financial well-being planner, coach, and consultant LEVERAGING HSAs KEY TAKEAWAYS During this session, participants will learn: • Why the No Surprises Act is likely to be inflationary – increasing employer and employee costs • How employees are financially fragile and aren’t prepared for out-of-pocket expenses • Why Transparency Rules present opportunities to help employees become better consumers • How to communicate all negatives as necessary due to compliance • How HSA-eligible coverage with an HSA is one strategic action you can take to: -- Use tax preferences to finance what can’t/shouldn’t be avoided -- Use design levers to reduce plan and participant cost -- Create a distinctive design to attract and retain talent (self-selection) AVAILABLE SUPPORT We are available to support you in your strategy, design, compliance, financial, and monitoring needs. To that end, our team of consultants, including actuaries, clinicians, behavioral health, pharmacy, and legal resources are available to guide you through the compliance process. Please contact us: info@humaculture.com.

The first webinar in Humaculture, Inc.’s Hidden Opportunities, Strategic Compliance Series, which focuses on Surpassing Mere Compliance and includes an example of using Reference Based Pricing. PRESENTERS * Steve Cyboran, ASA, MAAA, FCA, CEBS, actuary and strategy consultant * Wes Rogers, Humaculturist® and strategy consultant * Jack Towarnicky, LLM, JD, MBA, CEBS, strategy and compliance consultant OBJECTIVES Beyond basic compliance, this series addresses how to strategically leverage the No Surprises Act to create a competitive financial advantage for both the plan sponsor and plan participants. This session focuses on Surpassing Mere Compliance and includes Reference Based Pricing as an example of a strategic response to avoid compliance with many aspects of the No Surprises Act. TAKEAWAYS During this session, participants will learn: * The No Surprises Act doesn’t eliminate all “surprises” * The No Surprises Act is likely to be inflationary * Mere compliance won’t reign in costs, will increase administration, and may increase litigation risk * Using Reference Based Pricing as one example of strategic actions you can take to: -- Avoid what can be avoided -- Use tax preferences to finance what can’t/shouldn’t be avoided -- Communicate all negatives as the result of compliance -- Inform/educate consumers (before they become patients)

Actuary Steve Cyboran, Wes Rogers, and Attorney Howard Lapin review the contents of the Humaculture, Inc. Compliance Toolkit and explain how to use it to comply with the new requirements under the CAA and the “Transparency in Coverage” regulations. This Webinar focuses on how to use the Compliance Toolkit, not the compliance requirements. To better understand the compliance requirements or download the presentation slides, please access our prior Blog Post (https://humaculture.com/2021/08/20/webinar-replay-big-changes-coming-from-the-consolidated-appropriations-act-caa-and-transparency-in-coverage-rules/). On November 11, Humaculture, Inc. released its Compliance Toolkit. Humaculture, Inc. designed the Toolkit to help you comply with Requirements Under the Consolidated Appropriations Act (“CAA”) and the New “Transparency in Coverage” Regulations. The Toolkit includes over one hundred and seventy-five (175) pages and contains over fifty-five (55) Exhibits and Attachments. This video will help you understand the Toolkit contents and how to use each aspect effectively to help meet the compliance requirements. The video addresses questions from the participants in the original webinar.