Letter from the CEO

Dear Fellow Employee:

In the health care industry, change is something we always can count on. The same is true at HCSC, where, in recent years, we have experienced an unprecedented level of performance and growth, which has made us one of the largest and financially strongest health insurers in the nation. While change is expected, some things must stay the same, such as our commitment to serving our members and communities with the highest level of ethical behavior. That commitment has helped build our brand and the reputation we enjoy with our members, providers and other key stakeholders.

As you know, trust is key to the success of any business, and ethical conduct is the foundation upon which trust is built. Each one of us has the opportunity every day to promote and support an ethical culture by serving our customers with integrity, respecting co-workers, bringing forward concerns without fear of retaliation and using our Code of Business Ethics and Conduct (Code) to guide us in making good ethical decisions.

Any company's reputation is fragile, and HCSC is no different. By using our Code and core values of integrity, responsibility, mutual respect and corporate citizenship, we strengthen our corporate culture and our customers' confidence.

While each of us comes to HCSC with solid values, making some of our business decisions may be difficult. That is why many resources, such as annual compliance training, are available to us. Every employee, including the Senior Leadership Team, and our Board of Directors participate in this training. So, you can be assured that the Board and I fully support our Compliance Program and are personally committed to our Code and core values.

I'm excited about our future because HCSC is well positioned for continued success. The realization of that success begins with our daily commitment to maintaining high ethical standards.

Sincerely,

Pat Hemingway Hall
President and Chief Executive Officer
Health Care Service Corporation

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