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Hot News: Effective October 6th, CIGNA DentalCare is now covering FluMist for members aged 5-49. FluMist vaccinations received prior to 10-6-04 were a non-covered benefit and are not reimbursable.

Extra Services: Effective 10-1-04, Carolina Care Plan members may receive a 10% discount by showing their CCP medical ID card when purchasing a Gold’s Gym membership. A $24 processing fee will be charged. Current Gold’s Gym members may receive a 10% when they renew their membership.

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Highly Affordable Guarantee Issue Employee Dental Insurance, Nationwide Rates for Dental, Dental, Life, & More, HRA, PPO, HMO, Mini-Med, Indemnity Plans Available, Save Time & Money, Employee Benefit Resource Section, Thousands of Agent Nationwide, Affordable Limited Benefit Dental Insurance Solutions for Today's Hourly Workforce, With Basic Dental Insurance you can reduce your human resources budget while trying to satisfy the Dental care needs of your hourly employees. We now offer a limited benefit medical plan designed specifically to meet the everyday needs of hourly employees. Because our plans are completely voluntary, they can significantly reduce Dental care costs, employee turnover, absenteeism, and create an attractive recruiting package for prospective employees. Limited Benefit Dental Insurance, HSA & PPO Group Dental Insurance, Group Dental Insurance, Group Life Insurance, COBRA Information

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Carriers: Administaff, ADP TotalSource, Aetna, Blue Cross Blue Shield, BC/BS of North Carolina, CareFirst, CCP Dental insurance, CIGNA, Celtic Insurance Company, CHA Dental, Clarendon National Insurance Company, CNA Highway to Dental Capital, Cole Vision, CPIC Life, Delta Dental, Destiny Dental Plan, Fallon Dental Plan, Fortis Dental, Golden Rule, Group Dental Cooperative, Group Dental Incorporated, Guardian, Guardian / Dental Net, Harvard Pilgrim, DentalPartners, Dentalspring, HIP, Humana, John Alden (A Fortis Dental Co.) , Kaiser Permanente, Kanawha Insurance Company, LifeWise Dental Plan of Oregon, LifeWise of Arizona, Lifewise of Washington, MAMSI (now United Healthcare), Medical Mutual of Ohio, MEGA Dental, Midwest Security, Monumental Life, Optimum Choice, Oxford Dental Plans, Pacific Life & Annuity, PacifiCare, Permanente of the Mid- Atlantic States, Principal Life Insurance Company, Principal Partners, Qualchoice, Regence, Security Life Insurance Co. of America, Shenandoah Life, Sierra Dental Plans, Starmark, Torchmark, Trustmark, Tufts Dental Plan, Tufts Secure Horizons, UCare, UNICARE Life & Dental Company, United Dental Care Group, United Dentalcare, United Wisc. Life Ins./Am. Medical Sec. ,Univera, US Dentalcare, Vista Dental Plan, Wellmark, Wellpath.

Dental insurance has become a very popular benefit for both employers and their employees. We offer dental plans with free choice of any dentist and a variety of benefit options. Most plans pay 100% on preventive care, 80% on basic services such as fillings, then offer a variety of coinsurance levels and waiting periods on major services. Employers can pay for the coverage or make it completely voluntary with employees paying total cost through payroll deduction. Dental Carriers provide network and indemnity dental plans some major carriers are Allied, American General, AIG, Shenandoah, Companion Life, and Securian. Many more are available.

Allied: Designed for groups of 2-99 employees, Dental Design offers two different plan options that allow choosing any dentist for their coverage. The plan features optional orthodontia benefits, takeover benefits and, for groups of 10 or more, a special enhanced benefit option. Horizons dental design is the forth generation of Allied's small group dental plans, which have been in continuous operation since 1980. The plan is backed by Allied National's superior customer and agent service. Join with thousands of other small employers who offer this popular, yet economical employee benefit. The Standard Plan is available for groups of 2 to 24 insured employees. Custom plans are available for groups of 10+ (required for groups of 25+) and provide lower premiums. Choose either Indemnity or PPO* plans with custom options for each. • With the Indemnity plan, insureds can choose any dentist for services without a penalty. However, a “Passive PPO” network using the AIG National Dental Network SM is automatically included. Voluntary use of its dentists at 59,000-plus locations may help reduce coinsurance costs and eliminate balance billing by the dentist**. 2 • 100% preventive care benefits with no deductible. Option of a small co-pay to save on premiums. • Orthodontia benefit option for groups of two or more, with a choice of maximum benefit. • Takeover benefits available for groups of two or more. • No ineligible industries. • Family-only groups eligible. What’s Covered? Preventive & Diagnostic •Pays 100% •No deductible or co-pay •Pays 100% in-network and 80% out-of-network •No deductible or co-pay, Co-pay option: •$10 copay (waived in-network on PPO plans) Other option: •Sealants for dependent children • Prophylaxis (limited to one treatment in any six-consecutive month period). Includes scaling and polishing • Fluoride Treatment (limited to insureds under age 16 and limited to one treatment in any 12-consecutive month period) • Space Maintainers (limited to insured persons under age 16 and to initial appliance only) • Diagnostic Services: Routine exams (limited to one exam in any six-consecutive month period); X-rays: Full mouth series – limited to once in any 60-consecutive month period; Bitewing films - limited to four films in any 12-consecutive month period; Panoramic fi lm, maxilla and mandible - limited to once in any 60-consecutive month period Basic Services •PAYS 80% after a $75 per person combined Basic/Major services calendar year deductible (maximum three per family) •Six-month waiting period •PAYS 80% in-network, 60% out-of-network after a $75 per person combined Basic/ Major services calendar year deductible (maximum three per family) (Deductible waived in-network) •Six-month waiting period Waiting period option: •0 month waiting period Deductible options: •$50 per person combined Basic/Major services calendar year deductible (waived in-network for PPO Plan) •$100 combined Basic/Major services lifetime deductible • Exams (other than periodic routine exams); Emergency palliative treatment; X-rays (other than diagnostic listed in preventive) • Restorative Services: Fillings (other than gold), pins, recommendation of inlays, onlays, crowns or bridges • Oral Surgery: Extractions and other surgical procedures, Major Services •PAYS 50% after a $75 per person calendar year combined Basic/Major services calendar year deductible (maximum - three per family) •12-month waiting period •PAYS 50% in-network and 50% out-of-network after a $75 per person combined Basic/ Major services calendar year deductible (maximum - three per family) (Deductible waived in-network) •12-month waiting period Deductible options: •$50 per person combined Basic/Major services calendar year deductible (waived in-network for PPO Plan) •$100 combined Basic/Major services lifetime deductible • Restorative Services: Inlays, onlays, crowns and posts • Prosthodontic Services: bridges, denture work • Endodontic Services • Periodontic Services Calendar Year Maximum $1,000 per person calendar year maximum $1,000 per person calendar year maximum Calendar year maximum options: •$1,500 per person •$2,000 per person Applies to all services except orthodontics Optional Ortho for Dependent Children 12-month waiting period, onetime $50 per person deductible, 50% coinsurance, maximum lifetime benefit $1,000 12-month waiting period, onetime $50 per person deductible, 50% coinsurance, maximum lifetime benefit $1,000 Maximum lifetime benefit option: •$1,500 per person, limited to $500 per calendar year Available only to eligible dependent children under age 19 who are insured for orthodontia. Participation Requirements Member firms must agree to meet and maintain the following participation requirements. Firms falling below any of these participation requirements have three months to re-attain the requirements or they will be terminated by the Administrator by giving the employer at least 30 days written notice. Employee Participation • (Groups of (2) two to (4) four eligible employees: 100% participation required.) • (Groups of (5) five or more eligible employees: 75% participation required. Employee and dependent waivers are accepted for those with group dental coverage through a spouse’s employer.)

AIG American General: AIG American General offers a full line of employer-sponsored benefits to help employers attract and maintain a high caliber workforce. With products underwritten by The United States Life Insurance Company in the City of New York (USL), American General has over a century of experience with employer-sponsored benefits, and has over 30,000 group policies in force across the country. USL is licensed in all 50 states. Our new and improved Group PPO Dental plan 1 allows your employees far greater flexibility and choice than ever with their dental care. They have the flexibility to choose any dental professional, and if they so desire, to realize even greater savings by choosing a dentist in the AIG National Dental NetworkSM . This network 2 offers your business and employees an expanded choice of dental care providers, with dentists at more than 59,000 locations nationwide. AIG Group PPO Dental insurance is stocked with enhancements your clients and their employees will appreciate. Since the coverage is so affordable, clients can offer these excellent benefits to their employees and, at the same time, contain their own costs. Features and benefits include: • Employees have their choice of any dental professional — no restrictions • Plan features the AIG National Dental Network, with dentists at more than 59,000 locations nationwide • Deductible is waived for charges due to accident • Enhanced Benefits Package option • $100 lifetime deductible option • $300 Supplemental Accident Benefit option • Family deductible option of 2 or 3 times the individual deductible • Takeover benefits available • Deductible waived for in-network Preventive care • Liberalized pretreatment review amount AIG National Dental Network’s dental professionals have contracted to provide dental services at negotiated fees. These negotiated fees help contain plan costs, which means your employees can pay lower premiums and their employees pay less out-of-pockets costs. Provider Network Annual Maximum Deductible Deductible Waived In-network Coinsurance Options Out-of-network Coinsurance Options Reasonable and Customary (R&C) Waiting Periods (2-9 insureds) Waiting Periods (10+ insureds) Waiting Period Waiver (available for 5+ insureds only) Endodontics/ Periodontics in Basic Orthodontic Benefits (available for groups with 25 eligible employees or 10 employees who have insured dependent children) Pre-treatment Review Takeover Benefits Enhanced Benefits Package (available to 10+ insureds only) Supplemental Accident Benefit Two-year Rate Guarantee • AIG National Dental NetworkSM with providers at more than 59,000 locations nationwide • $1,000 • $1,500 • $2,000 (10+ insureds only) • $25 (10+ insureds only) • $50 and $100 calendar year options • $100 lifetime deductible (10+ insureds only) • 2 or 3 times family deductible (10+ insureds only) • In-network Preventive (standard for all groups) • Charges resulting from an accident • Out-of-network Preventive (option for 10+ insureds only) • 100/100/60 MAC • 100/90/60 MAC • 100/80/50 MAC • 100/80/50 MAC • 100/80/50 R&C • 90/70/50 R&C • 80th percentile (standard for all groups) • 90th percentile (10+ insureds only) Original/timely adds: • Preventive = none • Basic = none • Major = 12 months Late entrants: • Preventive = none • Fillings = 6 months • Other Basic = 12 months • Major = 24 months Plan Details Original/timely adds: • Preventive = none • Root Canal = 6 months • Other Basic = 6 months • Major = 12 months • Ortho = 24 months Late entrants: • Preventive = none • Fillings = 6 months • Other Basic = 12 months • Major = 24 months • Ortho = 24 months • Present and future employees on transferred cases • Present employees only on transferred cases • Present and future employees on non-replacement cases • Present employees only on non-replacement cases • Standard (10+ insureds only) • 50% • $1,000 maximum • Adult/Child or child-only • $300 • Available option • Sealants included under Preventive • 90% R&C • Carryover deductible from last three months of prior year • $300 per person per year • Does not reduce annual maximum • No waiting period • 100% benefit after medical benefits

Shenandoah Life: Rated "A-" by A.M. Best and "A" by Duff & Phelps, Shenandoah Life is a mutual company owned by its policyholders. Founded in Roanoke, Virginia in 1914, the company now operates in 23 states and the District of Columbia. While size alone is not a guarantee of financial stability, Shenandoah Life has more than $1.2 billion in assets and $10.9 billion of insurance in force. Products of Shenandoah include Individual life insurance and annuities, and Group life, dental, and disability. DENTAL Shenandoah offers three types of dental plans: true group for 10 or more lives, small group for 2-9 lives, and voluntary, which requires only 2 employees to participate. True Group Dental can be quoted with a variety of deductible and coinsurance options as well as orthodontia. Enrollment can be done with just a master application and employee listing. No individual enrollment cards are required! Full takeover credit is available. Small Group Dental offers a choice of five plan designs. Full takeover credit and orthodontia benefits are available. We can quote this product for you with a census. Voluntary Dental is an excellent choice for groups that cannot meet the participation requirements of true group plans. Only 2 people must participate. Several plan designs and full takeover credit are available, and census is not necessary to quote. What makes you smile? Ask a dozen of your employees and you’ll get a dozen different answers. The same goes for dental coverage. No two employees, families or companies have the same needs. That is why Shenandoah Life offers Group Dental Plans with options to make everybody happy. Group Dental Plans from Shenandoah Life are a benefit that your employees are sure to appreciate. And you’ll like them for their flexibility. Unlike most other indemnity dental products, the three standard “types” are broken down into 11 different service categories and orthodontia. So you can assign different coinsurance amounts, deductibles and waiting periods in the way that best fits the needs of your company and your employees. Providing an array of choices with a flexible Group Dental Plan is another way for you to attract quality employees. More than that, it helps keep your current employees feeling happy and secure. Group coverage for individual needs. No benefits package is complete without good dental coverage. Meet the diverse individual needs of your employees with flexible Group Dental Plans from Shenandoah Life. Eligibility Group Dental is available to employer groups with as few as 10 eligible and participating employees working at least 30 hours per week. Participation Requirements A minimum of 75% participation of all eligible employees must be maintained with a minimum of 10 covered employees. Cost Containment Any dental treatment plan estimated to exceed $250 must be pre-approved by Shenandoah Life prior to any service. Predetermination is not necessary for emergency treatment. Waiting Periods The waiting period for Type III service categories is 12 months. The late entrant waiting period is 12 months for Type II categories and 24 months for Type III categories.

Companion Life Insurance Company has specialized in group benefits for more than 30 years. It has earned an A.M. Best Rating of A+ (Superior) and a Weiss Rating, Inc. rating of B+. They have earned these high marks due to their fiscal strength, investment practices and sound management. Now, they want to earn your trust by giving you the highest level of service and responsiveness possible.

Securian Dental: is a partner with Decare Dental Health International and Securian Life Insurance Company. Securian Life Insurance Company is rated “A” (Excellent) by A.M. Best and is one of the Minnesota Mutual Companies. DeCare International oversees dental benefits for 3.9 million individuals and 13,775 employer groups. The Securian plans are “Easy to understand, Easy to use, and Easy to afford”. Included are 3 voluntary and 4 employer paid designs. These plans can be easily customized to meet plan design and/or budget targets. Features of these plans include: -Medical lock discount – enrollment in the dental plan must be tied to medical coverage, meaning employees may not enroll in the dental plan unless they are enrolled in the medical plan as well. -Annual open enrollment for groups of 10-249 employees -8% premium reduction for prior comparable coverage. Diagnostic and Preventive Services No waiting period Oral evaluations/check-ups, x-rays, dental cleanings, fluoride treatments 100% 100% Amalgam (silver) fillings, sealants, space maintainers, palliative treatment for emergencies 50% 50% 80% Basic extraction of erupted tooth or exposed root 50% 50% 80% VOLUNTARY INDEMNITY: SERVICE & DESCRIPTION VOLUNTARY INDEMNITY PLAN A PLAN B PLAN C Basic Services 6-month waiting period No waiting period Basic Extractions Pulpal therapy, root canal therapy, pulpotomy N/A 50% 50% 50% 50% Non-surgical periodontal care, includes periodontal maintenance N/A Complex and Major Services 12-month waiting period Basic Periodontal Services Per person/per family (calendar year) No deductible for diagnostic and preventive services $50/$150 $50/$150 $50/$150 Per person $500 or $750 $750 or $1,000 $1,000 or $1,250 Available for dependent children only, age 8-18 10-employee minimum N/A Surgical removal of erupted tooth, impacted teeth and tooth roots N/A 50% 50% 50% 50% Intravenous conscious and IV sedation with complex surgical services N/A Complex Surgical Extractions Adjunctive General Services Surgical periodontal care N/A 50% 50% Posterior composite resins, inlays** 50% 50% Onlays, crowns, crown repairs (includes stainless steel crowns and pre-fabricated crowns) N/A Complex Surgical Periodontal Care Removable prosthetic services – dentures and partials † N/A 50% 50% 50% 50% 50% 50% N/A Fixed prosthetic services – bridges † Repairs– removable and fixed prosthetic services N/A Prosthetic Services COVERAGE LEVEL*/ WAITING PERIOD Basic Restorative Care & Services Basic Endodontic Therapy Deductible Calendar Year Plan Maximum Orthodontics – optional add-on for Plans B & C 18-month waiting period 50% $750 separate lifetime maximum 50% $750 separate lifetime maximum 100% A snapshot of your benefits. Restorative Services *Coverage is subject to our allowable charge, described on the back of this brochure. **Optional Treatment: Plan member receives the amalgam benefit for the least costly, commonly performed course of treatment. The plan member is responsible for the balance of the treatment cost.Easy to understand Your employees are free to see any dentist nationwide. All of our plans cover 100% of preventive care with no waiting period. Plans range from basic to comprehensive, with solid options for major and orthodontic coverage. Select the plan that best meets your group’s needs. Easy to use We work hard to provide impeccable service, beginning at enrollment. We’ll handle the details, so you don’t have to. Have questions about your dental plan? Our knowledgeable staff is ready to help and will answer your call in just seconds. You’ll also appreciate our swift, accurate claims payment. A rare but valuable feature of Securian Dental is our around-the-clock worldwide emergency coverage. Travel the world knowing that wherever you go, you’re covered. Easy to afford With our competitively priced plans, we have one that’s right for any budget. Control costs through varying coverage levels, calendar-year maximums, and waiting periods. It’s an easy decision. Choose Securian Dental At Securian Dental, we make dental insurance easy— easy to understand, easy to afford, and easy to use. We’ll pay your claim whether you’re in Chattanooga or China. How’s that for brilliant?