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EXPLANATION OF AGENDA ITEMS Call to Order. – The Chairman will formally open the meeting at approximately 2:00 o’clock in the afternoon. Certification of Notice and Quorum. – The Corporate Secretary will certify that copies of the Notice of Annual Stockholders Meeting containing the Agenda was duly sent to stockholders and published. The Corporate Secretary will then certify that a quorum exists for the transaction of business. Approval of the Minutes of the previous Annual Stockholders’ Meeting. – The Minutes of the Annual Meeting held on July 29, 2020 will be approved by the stockholders. A copy of the Minutes is available at the company website, http://hcmutual.com.

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