These six words summarize the superiority of the Budco Dependent Eligibility Verification Solution. Working with a long-time client, we actually pioneered the dependent audit concept a decade ago. Since then, we have developed a systematic, secure, sensitive approach that is formalized as the Budco Dependent Verification Process. Our dependent verification staff is specifically trained and dedicated to handling all aspects of a verification. Documents are processed in a locked area with access strictly limited. Perhaps most important, our work produces quantifiable financial outcomes that benefit our clients.

In 1997 the concept of a dependent eligibility verification was just that ... a concept. But as health care costs and employee benefits associated with them continued to spiral higher and higher, the idea of auditing employees to ensure that only eligible dependents were being provided coverage began to make more and more corporate AND economic sense.

Into the void stepped Budco.

This was precisely the type of business communications challenge that Budco was uniquely equipped to handle. All the skills and resources required to effectively administer a dependent eligibility audit are here, in-house: A highly trained and motivated Contact Center to handle one-to-one employee questions and concerns A dedicated Project Management staff that understands the strict protocols necessary to protect employee and dependent privacy Information Technologies to manage the proprietary electronic platform, database and security Creative Services and Digital Printing to author letters and produce explanatory materials Budco is the only single-source dependent audit provider in the country, performing every aspect of the program in one facility. Budco can bring this outstanding level of expertise to every aspect of our clients' Dependent Eligibility Verification. We have in place well-established and time-tested procedures and specifically trained personnel. Unlike many competitors, Budco Dependent Verification Process is not a startup operation. We have 10 years of experience perfecting our solution with such prominent companies as American Airlines, AT&T, Boeing, Cingular, ConAgra Foods, Chrysler, Delta Airlines, Ford Motor Company, Goodyear Tires, Northwest Airlines, Qwest, Target, Toyota, UPS, and United Airlines. Now, we are poised and prepared to deliver to new clients, the same robust results.

The Budco Dependent Verification Process is an established product that delivers quantifiable results. Plus, our ISO 9001:2000 certification and well-defined quality processes mean we perform to the highest levels of accuracy and timeliness. This is precisely why we are the nationally recognized leader in providing dependent verification and eligibility services ... our entire dependent audit team is focused, well-trained and exceptionally dedicated to meeting and exceeding customer expectations. Using this tool, employers can reduce health care expenditures that, in turn, can improve their bottom line.

As the nation's premium provider of comprehensive dependent eligibility and verification solutions, Budco Health Service Solutions is the recognized leader in this arena, performing audits on behalf of Fortune 500 companies for over 10 years.

We Save Our Clients Money

Since 2002, Budco has obtained tremendous results for our clients, saving in excess of $500 million in first-year health care expenditures. An essential advantage realized by organizations that engage Budco is that every detail of our audit is managed in-house as a seamless end-to-end process. Highly trained Budco professionals bring unparalleled experience to this enterprise.

By the numbers, Budco has: Audited more than 1.5 million employee/retiree health insurance contracts for customers Evaluated the eligibility of over 2,500,000 dependents Identified more than 250,000 ineligible dependents Saved clients more than $500 million Contracted with over 20 Fortune 500 clients and organized labor groups to conduct dependent eligibility verifications Come See Us Anytime The very best way to appreciate Budco is to tour our campus and meet our people. Our door is always open. Just let us know what works for you. Please visit our Contact Us page to arrange to receive further information.

David Chojnacki Vice President

• Over 20 years of experience within the health care industry
• Former vice president of Sales at Univera (Excellus) Healthcare, one of the largest insurers in the Northeast
• Co-founder of TC Consulting, one of the nation's most influential health care consulting practices
• Board member at Sheehan Memorial Hospital
• Executive committee member of Independent Health's Labor Advisory Panel
• Lead sales management executive at several of Budco's largest dependent audit clients, including AT&T, Boeing, Goodyear, Northwest Airlines, and Qwest

Beth Lacey Vice President - Contact Center

• More than 10 years of dependent audit implementation and contact center experience
• 23 years of Budco experience and part of the core group that launched the dedicated eligibility audit services team
• Manages daily operations in our Contact Center for more than 80 accounts
• Formerly managed account coordinators, providing sales support

Kim Paul Account Manager

• Over 10 years of dependent audit sales and implementation experience at Budco
• Led several key Budco health care-related initiatives involving "Big Three" automotive customers Ford Motor Company, General Motors, and Chrysler Corporation
• Member of the International Foundation of Healthcare Executives
• Former vice president at Charter One Bank responsible for business development at one of the largest branch operations

Dominica Sortisio Business Development Specialist

• Brings more than 18 years of experience in communications, marketing and strategic coaching/consulting to her role as business development specialist for Budco Health Services Solutions
• Presents dependent audit savings model to national and regional employers, media outlets, and health care coalitions
• Previously served as a key sales management executive for Wells Fargo and Company in Upstate New York

Steve Niemczewski Business Relationship Specialist

• Serves as primary interface with Budco's project management and operations units in launching and maintaining Budco's dependent audit platform
• Instrumental in developing new communications and program enhancements for key audit clients, including United Airlines and National City
• Former account manager for large document management clients, Certified Document Imaging Architect (CDIA)

Perry Miele Chairman - Internationally recognized advertising and financing entrepreneur who has worked extensively with major Fortune 100 clients including American Express, ConAgra, and Kellogg's.

Terry Niles President - Over 20 years of experience in the marketing services and distribution industry including serving as president of Archway Marketing Services.

Robert Hyman EVP Operations - Oversees all operational areas within Budco, including the Budco Contact Center, Training, and Financial Services areas and is an integral force in managing Budco's world-class quality standards.

Steve Swanson Chief Information Officer - Manages all aspects of Budco's highly acclaimed Information Technologies team, including application development, network, data center, and digital print operations.