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Hot News: Effective October 6th, CIGNA Vision Care 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 Vision Insurance, Nationwide Rates for Vision , 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 Vision Insurance Solutions for Today's Hourly Workforce, With Basic Vision Insurance you can reduce your human resources budget while trying to satisfy the Vision 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 Vision care costs, employee turnover, absenteeism, and create an attractive recruiting package for prospective employees. Limited Benefit Vision Insurance, HSA & PPO Group Vision Insurance, Group Vision 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 Vision insurance, CIGNA, Celtic Insurance Company, CHA Vision, Clarendon National Insurance Company, CNA Highway to Vision Capital, Cole Vision, CPIC Life, Delta Vision, Destiny Vision Plan, Fallon Vision Plan, Fortis Vision, Golden Rule, Group Vision Cooperative, Group Vision Incorporated, Guardian, Guardian / Vision Net, Harvard Pilgrim, Vision Partners, Vision spring, HIP, Humana, John Alden (A Fortis Vision Co.) , Kaiser Permanente, Kanawha Insurance Company, LifeWise Vision Plan of Oregon, LifeWise of Arizona, Lifewise of Washington, MAMSI (now United Healthcare), Medical Mutual of Ohio, MEGA Vision, Midwest Security, Monumental Life, Optimum Choice, Oxford Vision 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 Vision Plans, Starmark, Torchmark, Trustmark, Tufts Vision Plan, Tufts Secure Horizons, UCare, UNICARE Life & Vision Company, United Vision Care Group, United Visioncare, United Wisc. Life Ins./Am. Medical Sec. ,Univera, US Visioncare, Vista Vision Plan, Wellmark, Wellpath.

AIG Group Vision: Plan Provision Exam (dilation as necessary) Exam Frequency Frames (any frame available at provider location) Frame Frequency Standard Plastic Lenses Other Lens Options Contact Lenses (includes fit, follow-up and materials) Laser Vision Correction Other Services, Materials or Add-on Features $10 copay Annual $0 copay, $120 allowance; 20% off balance over $120 • Annual • Every two years (option) Single Vision, Bifocal, Trifocal and Lenticular – $20 copay • UV Coating – $12 copay • Tint (solid and gradient) – $12 copay • Scratch Resistance – $15 copay • Polycarbonate – $35 copay • Progressive (add-on to bifocal) – $45 copay • Anti-reflective – $45 copay • Conventional – $0 copay, $105 allowance; 15% off balance over $105 • Disposable – $0 copay, $105 allowance; insured covers balance over $105 • Medically Necessary – $0 copay, $210 allowance; insured covers balance over $210 15% off retail or 5% off promotional price from US Laser Network 20% discount, plus 45% savings through the Premier-Plus Secondary Purchase plan* Plan Details IN NETWORK $40 reimbursement Same as in-network $45 reimbursement Same as in-network • Single Vision – $40 reimbursement • Bifocal – $60 reimbursement • Trifocal – $80 • Lenticular – $80 N/A • Elective – $80 • Medically Necessary $210 reimbursement N/A N/A OUT OF NETWORK AIG Group Vision at a glance. AIG Group Vision makes it all-around easier for you to help take care of your most valuable possession — your eyesight. One look and you’ll know — our employer-funded vision care benefits are some of the best you’ll ever see. With first-rate professional care, outstanding service and excellent prices — the value of the AIG Group Vision program for you and your family is perfectly clear. Here’s what makes this plan so good: Choice. Our new AIG Group Vision program brings access to more than 25,000 independent and retail providers through the EyeMed Network.* Convenience. With more than 12,600 locations across the country, including all LensCrafters® stores — chances are, we’ll have one that’s right next door to you. Plus, you can order replacement contacts over the Internet and have them delivered to your door. Affordability. 100 percent coverage on annual exams with network providers, with minimal copay means less out of pocket for you. Plus, great savings on lenses and frames. Flexibility. Out-of-network provision allows you to use any provider you choose. Savings. Additional discounts up to 45 percent for members through the Premier-Plus Secondary Purchase Plan, standard with AIG Group Vision. Selection. Popular, designer frame brands available. And More Discounts. 15 percent savings on LASIK and PRK. Your eye care benefit is available through a well-known vision care provider Through AIG Group Vision, members can use their benefits at all LensCrafters® retail locations nationwide. LensCrafters is ranked the top optical retail chain for vision plan participants.** Millions of Americans trust their vision to LensCrafters! * The network, offered through AIG Group Vision, is administered by EyeMed Vision Care under the Premier-Plus plan. ** According to the Jobson 2003 Managed Care Report. High-quality care from high-quality eye care professionals The EyeMed network, available to all AIG Group Vision members, requires eye care professionals meet strict standards. All providers are then recredentialed every 36 months. This process ensures that you’ll always receive high quality care. The most popular eyewear brands available A common complaint with vision plans is that the products offered are not always the most desirable brands. Your AIG Group Vision benefits can be applied toward any brand of frame or lens at the provider location. Many providers carry highquality designer frames, such as Anne Klein®, Brooks Brothers®, Vogue® and more. Eyewear from your easy chair — order your contacts online, have them delivered by mail Save yourself some extra effort. With the AIG Group Vision, you can order replacement contact lenses online at www.eyemedcontacts.com, and have them delivered right to your door! Here’s how the AIG Group Vision program helps to save you money • Eye exams — Member receives 100 percent coverage and pays low $10 copay with an in-network provider. • Frames — Member receives generous frame allowance, then receives 20 percent off any balance over and above that allowance (in-network). And of course, members may choose from any frame at the provider location. • Lenses — Low $20 copay. • Contact Lenses — Member receives generous allowance and no copay through a network provider, then receives 15 percent off any balance over your conventional contact lens allowance. • Laser Surgery, LASIK and PRK — You will receive 15 percent off the regular retail price, or 5 percent off the promotional price at U.S. Laser Network providers. 06675006-1045 R12/04 For more information on your AIG Group Vision Plan and its clear benefits for you and your family, contact your Benefits Administrator. And, you’ll save even more with the Premier-Plus Secondary Purchase Plan AIG Group Vision offers you additional discounts of up to 45 percent on purchases through the Premier-Plus Secondary Purchase Plan. This plan provides ongoing discounts on subsequent purchases after you’ve used your benefit. These savings can be significant. There are no claim forms to process and you have unlimited frequency on these purchases.

Vision Service Plan (VSP): Eligible employees and their covered dependents can receive eye care benefits from an extensive nationwide network of providers. Coverage includes routine eye examinations (once every 12 months) and benefits toward eyeglasses and contact lenses. Employees may receive a benefit for glasses or contact lenses in one 12-month period, but not both. For contact lenses, a separate contact lens exam (fitting and evaluation) is necessary. Because it is considered elective surgery, laser vision correction is not a covered benefit under VSP's vision plan. However an employee may receive discounts on laser eye surgery, including LASIK and PRK procedures.

United Healthcare Standard Vision Program: Features: Routine vision exam, (including refraction) paid in full after current co-pay, Preferred Pricing on frames, lenses and lens options, A Routine Vision Network of credentialed private practice providers and retail optical providers, Access to discounts on laser vision correction through a nationwide network of more than 300 laser vision correction specialists. In addition, you will receive Preferred Pricing on eyeglasses and contact lenses. Focus on Quality Routine Vision Network providers participate in our credentialing process, are subject to a Quality Assurance Program and are contracted to adhere to strict quality and service standards. With leading national labs providing fabrication of eyewear, we adhere to strict standards for quality, service and turnaround time. Frames —including designer styles — are provided by leading frame manufacturers/importers, with standard warranties against defects. Quality and Affordability Frames. You receive the best value (cost and quality) from your vision care program when you choose frames from the Routine Vision Program Selection.