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4 . '. .'. .s: / C? --Z/ EXHIBIT 2.5 EAP LIFE MANAGEMENT SERVICES . Counseling for Financial and Credit Problems. In a "buy now, pay later" world, it's easy to suddenly find oneself in financial trouble. This plan covers the services of a Participating Financial Counselor (as defined below) to help get the Member's finances back under control, analyze spending habits and patterns, develop a realistic, personalized budget, and to educate the Member on available credit rights and options. This service does not cover tax or investment advice, nor does MHN give loans or pay bills. One Session = Telephone session of up to 60 minutes. . Counseling for Childcare Matters. Childcare problems can produce frustration, concern and guilt They can interfere with a parent's routine, causing missed time from work and canceled plans. This plan covers the services of a Participating Counselor (as defined below) to help a Member assess the Member's childcare needs and to identify and evaluate appropriate childcare options. One Session = Telephone session of up to 60 minutes. . Counseling for Eldercare Matters. Getting the help required to care for an aging relative can be a difficult and confusing process for concerned family members. This plan covers the services of a Participating Counselor (as defined below) to help a Member explore and utilize available resources to resolve problems with elder living arrangements, nutrition, health care, legal rights, and ~ocial Security, Medicare and Medicaid benefits, One Session = Telephone session of up to 60 minutes. . Counseling for Legal Problems. In the past, only the most privileged had routine access to legal advice. Today, legal counsel is frequently a necessity for the average citizen. This plan covers the services of a Participating Legal Counselor (as defined below) to provide legal consultation to Members with legal questions in areas of family law, consumer issues, landlord-tenant disputes, personal injury, contracts and crIminal matters, This plan specifically does not cover legal representation in coun, preparation of legal documents. or advice in the areas of labor, employment, taxes, patents or immigration. One Session = Telephone session of up to 30 minutes, . Counseling for Federal Tax Problems. Few events in life cause as much worry and preoccupation as de:llmg with the Internal Revenue Service under potentially adverse circumstances. To Members who are faced with federal tax proble~, this plan covers the services of a Participating Tax Counselor (as defined below) to provide tax consultation for: . Unpaid federal ta:;es, p~nalties and interests, . IRS audits, . Unfiled, past-due federal tax returns, . Any other problem with the IRS that you or your family members have unsuccessfully attempted to resolve. Each family unit is entitled to a total of up to 90 minutes per year, which consists of three telephone sessIOns of up to 30 minutes each. Please note that this is not a tax representation and/or preparation sernce. . Counseling for Pre-Retirement Planning. Whatever retirement means to you, be it a time to get away from it all or a chance to develop personal interests, how those years are spent will depend on what is done to prepare for them. This plan covers the services of a Participating Retirement Counselor (as defined below) to provide information on topics relevant to persons of any age who are planning for retirement. Members will be provided information about the range of situations that they are likely to encounter in retirement. and they will be given guidance on how to plan ahead for quality retirement. This service does not cover specific investment, tax, or legal advice. One Session = Telephone session of up to 60 minutes. #"1311~119f100~ Page 11 of 12