plane.biz Unum’s Proprietary Enrollment System

2 Enrollment technology: the plane.biz solution plane.biz is a highly effective benefit education and enrollment tool that: Allows employees to see their personalized benefit portfolio Presents a professional and customized computer presentation Provides an effective means of communicating employer dollar contribution to benefits Shows clearly illustrated benefit choices and plan components Provides printed deduction authorization forms and benefit statements to employees in addition to the electronic presentation Uses a secure Internet connection or operates as a stand-alone function when Internet is not available Allows “Exchange” function to link other enrollment and marketing systems for coordinated enrollment of our voluntary products Also supports the communication and enrollment of core benefits (medical, dental, etc) as well as group products underwritten by other insurance companies when enrolled in conjunction with Unum products

3 Advantages of plane.biz Allows Unum to support multiple enrollment strategies on a single, user-friendly platform for all product lines Face-to-face Call center Self-service enrollment Accessible through secure Internet connection making case and enrollment data transfers easier and to ensure privacy compliance and data integrity. Basic employee demographics and dependent information can be preloaded Enables employees to see their personalized benefit portfolio and only the benefits they are eligible to receive (exempt vs. non-exempt employees may be eligible for different benefits) Premium and benefit amounts are visible to the employee, so no surprises when the first payroll deduction is made or when they policy arrives Provides an effective way of communicating employer dollar contributions to benefits Captures the signature electronically (virtually paperless enrollments) Printed deduction authorization forms and benefit statements (hidden paycheck) are available

4 Customized for your company Your company name and logo is displayed

5 Personalized for your employees Information can be verified and updated by the Benefit Counselor and provided to Human Resources to ensure employee data is up to date Basic employee demographics and dependent information are pre-loaded in the system.

6 Customized for your company and personalized for your employees Employees can enroll in core benefits including medical and dental coverage Employees can enroll in voluntary benefits such as Accident and Interest Sensitive Whole Life Employees will see only the benefits they are eligible to receive

7 Paperless enrollment of all products The pre-loaded information provided by the employer makes the application process quicker and more accurate. Premium and benefit amounts are visible to the employee, which means there are no surprises when the first payroll deduction is made or when the policy arrives.

8 As electronic signature capture eliminates the need for paper applications. Paperless enrollment of core and voluntary products

9 Core benefit capabilities Unum does not sell, underwrite, or administer medical coverage or 401(k) plans. plane.biz can communicate and enroll your medical, dental, vision and other core benefits associated with your benefits plan. Plan design features and messages customized to your specific case

10 Core benefit capabilities Unum does not sell, underwrite, or administer medical coverage or 401(k) plans. Employees can see their choices for medical plans such as PPO or High Deductible plans and can choose the level of coverage that best suits their needs Employee and employer contributions are illustrated

11 Group benefits plane.biz can communicate and enroll your ancillary benefits including life, disability and AD&D

12 401(k) or other retirement plan Unum does not sell, underwrite, or administer medical coverage or 401(k) plans plane.biz can even communicate important messages about your retirement plan and drive increased participation in your 401(k) plan.

13 Other benefits Screens in plane.biz are truly customizable to communicate an array of benefits and any messages that are important to the achievement of your Human Resource objectives.

14 Printed deduction authorization forms Personalized for each employee, based on benefit elections Clearly shows pre-tax and after-tax deductions Additional information can appear on the form such as previous coverage and deduction amounts, employer/carrier disclaimer verbiage, and dependent/ beneficiary information Forms can be printed and available post enrollment

15 Printed benefits statement Provides an annual dollar value for benefits which are included in the employee’s annual salary (i.e. vacation pay, holiday pay, etc.). Provides an annual dollar value for benefits that are company sponsored in addition to an employee’s annual salary. This could include benefits which are 100% company paid and/or voluntary benefits which your company contributes to if elected. Emphasizes the total compensation package by communicating the “hidden paycheck” (your company’s actual dollar contribution in addition to the employee’s annual salary).

plane.biz Unum’s Proprietary Enrollment System Insurance products are underwritten and sold, and services provided, by the subsidiaries of Unum Group. Not all companies do business as all jurisdictions. Only authorized individuals are allowed access to the plane.biz system for enrollment purposes. © 2009 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. PP (8-09)