College Market Expansion

Positioned for Fall 2026 New School Year Scale

Revenue in the first quarter was supported by the commencement of a three-year contract with Union University (3,000 students), reflecting continued success in securing institutional partnerships.

As the quarter progressed, it became clear that launching new programs mid-academic year presents operational and administrative challenges for institutions, particularly around student enrollment cycles and budgeting. The college segment continues to build significant momentum and represents a major driver of 2026 growth.

Benalign Channel

• 8 colleges confirmed representing approximately 20,000 students for August 2026 launch
• Approval from the Tennessee Board of Regents enabling accelerated onboarding of TN colleges without duplicative vetting — adding 10,000+ students in active pipeline

Safe4r Channel

• 4 colleges representing approximately 40,000 students in final stages of confirmation
• Scheduled for Fall 2026 implementation

Personal Care Benefits Platform

New Revenue Engine

In Q1, Health Karma announced its partnership with Benalign to launch the Personal Care Benefits Program™ — targeting the large and underserved population of part-time, gig, and hourly workers: the "neglected majority" who do not have full healthcare benefits.

• Addresses a multi-million-member market across retail, quick service restaurants, gig and independent work sectors
• Not included in original 2026 projections — representing pure incremental upside to shareholders
• Re-engagement with 40+ broker and distribution partners with strong market reception

Reentry Program

Proven Outcomes Driving Multi-State Expansion

Health Karma's reentry program continues to demonstrate measurable impact and is gaining rapid adoption at the multi-state level.

• States contracted (financing secured): Washington D.C., Maryland, and North Carolina — with revenue generation beginning Q2
• Maryland expanded from county-level to statewide deployment, driven by demonstrated reductions in recidivism and associated costs
• Additional states in final contracting: Minnesota, Louisiana, and New Mexico
• National visibility through the 2026 National Returning Citizens Conference, April 8–9 — signaling the maturation of this opportunity from early-stage selling to broader education and adoption

International Expansion

High-Value Growth Opportunities

Global Education Organization

• Approximately 10,000 covered lives — U.S. citizens and ex-pats serving as teachers and staff globally
• Evaluating Health Karma as a replacement provider due to need for 24/7 access
• Health Karma delivered immediate critical incident stress support following the Epic Fury event — demonstrating efficacy and capability
• Strongly positioned for the August 2026 contract renewal

United Kingdom University Opportunity

• Active engagement with 3 universities representing 90,000+ students
• Strong partner-led relationships with direct access to decision-makers
• High confidence in potential Fall 2026 launch

Additional Growth Initiatives

New Verticals Activated in Q1

Beem Fintech (trybeem.com)

• U.S.-based financial super app helping consumers manage everyday money needs — grown to 4+ million users/subscribers, disbursing over $100 million in funds
• On March 28, 2026, Beem CEO approved an early Q2 launch of Benalign's Virtual Healthcare including Health Karma's Behavioral 1st Moment

Off-Campus Student Housing

• Targeting large student housing operators seeking integrated safety and well-being solutions — extending our college footprint beyond campus-based programs

Active Adult (55+) — SafeWell55 Program

• Focused on active adult communities with Behavioral 1st Moment services embedded
• Distribution through Medicare-focused marketing organizations and networks including The Villages, Margaritaville, and Del Webb

Workplace Violence Prevention Platform

• California's workplace violence prevention requirement now expanded across 13 states
• Health Karma partnering with The Noble Group (training & compliance videos), Safe4r (compliance tracking), and our own 24/7 confidential Workplace Concern Line™
• Beta testing scheduled for Q2 with rollout and revenue in 2026

SEC Filings Update

On Track for Full Transparency

• 2024 Form 10-K to be filed shortly following completion of required confirmations
• Preliminary financials for 2025 (Q1–Q3) completed
• Company remains on track to become fully current in SEC reporting and actively traded on OTC-QB in 2026

Closing Perspective

Health Karma continues to evolve from early-stage commercialization into a domestic and international multi-vertical, multi-channel growth platform with demonstrated demand. This combination positions the company for a strong 2026, exponential revenues, and sustained long-term growth.