Some things go better together +

The addition of Anthem Blue Cross products to CoPower’s portfolio means you will have access to a complete line of dental, vision and life coverages from Anthem, one of the most trust carriers in the nation. Complete line of dental, vision, and life coverages from Anthem’s Employee Elect portfolio – all on one CoPower bill. Employers may select to offer “all” dental plans or designate any number of plans for employees to choose from.

A recent LIMRA study of employers and brokers revealed: 88% of employer groups would buy all lines of coverage from a single carrier if they could get a better price 83% believe their employees will receive better customer service if they buy from a single carrier 74% would buy from a single carrier in order to receive one bill 70% would buy from a single carrier in order to only have to go to one website for all transactions 67% would buy from a single carrier to streamline their enrollment

Package Anthem dental and vision with as little as $18.57 employer contribution per employee per month. Employees may choose to buy-up to higher benefit plans. Exclusive 6% discount on multiple Anthem ancillary plans available only through CoPower.

Anthem Advantage Dental Blue Dental Net Dental Select Life/AD&D Resource Advisor Blue View Vision

Top reasons: Only available in California to small groups The out-of-network reimbursement is paid at the 80th percentile of FAIR Health, not a MAC schedule There are no waiting periods on covered services True open enrollment Members accessing in-network providers receive negotiated provider discounts-even after exceeding their annual maximum Members receive negotiated provider discount on non-covered services when provided by an in-network provider such as veneers, dental implants and TMJ Adult and child ortho down to 2

Dental Net DHMO 2000A – 2000B – 2000C More reasons for selling our Dental Net plans: No deductibles No annual maximums No waiting periods Predetermined co-payment Affordable premium 62% increase on covered services (close to 300 CDT Codes) 42% increase to Provider Network Composite Restorations on all teeth Benefits for Total Health Employer Sponsored ($15 min. pepm) Voluntary (min. 5 enrolled)

Blue View Vision Better Care Detect through Eye Exam Provider’s Share Information Nurse Coach/Disease Management More Choices Private Optometrists Retail Locations contacts Convenience Combined admin/Online capabilities 7 days per week customer service Savings Transitions lenses for kids – no additional cost 40% off additional pairs of glasses anytime

Top 5 reasons for selling Blue View Vision plans: Largest National network comprised of more than 44,000 NCQA certified providers and provider locations Premier retailers such as LensCrafters, JCPenney Optical, Sears Optical, Target Optical, and Pearle Vision and Contacts (in network) Retail provider locations are important because: Half of eyewear purchases occur in a retail location 25% of transactions occur on the weekend Many retailers, such as LensCrafters, provide same-day (or even 1-hour) turnaround on glasses Exceptional Customer Service Statistics 2007 Average Speed to Answer was 9.2 seconds Average 2007 Abandonment Rate was 0.7% Exceptional Claims Statistics Approximately 93.3% of all claims adjudicated for services are from an in-network provider. Average of 99.9% financial accuracy

Anthem Basic Life/AD&D Over 50 years of experience More than 91,600 groups 5.4 million members A.M. Best Rating of “A” (Excellent) Variety of Schedules available 2-9 Lives - Age Banded by Gender Lives-Composite Rates High Guarantee Issue Benefit amounts up to $300,000 ( lives) Resource Advisor included at “no additional charge” EAP 24/7 includes 3 face to face counseling visits Identity Theft Victim Recovery Services Travel Assistance (100+ miles from home, business or pleasure) Beneficiary Companion program

Basic Life – Three (3) Schedules to choose from up to $300,000* (20-50 Lives*): Schedule A: Flat dollar amounts Schedule B: Life benefits graded by job title Schedule B: Salary based life insurance Dependent Life – only 50% of those with dependents must enroll; all amounts guarantee issue. See brochure. Resource Advisor Included with Basic Life coverage: EAP 24/7 telephone counseling and referral includes 3 face to face visits Travel Assistance (100+ miles from home, business or pleasure) Identity Theft Victim Recovery Services Beneficiary Companion Program

Access to Empower, CoPower’s revolutionary online administration system that lets you take charge 24/7/365.

Access to a portfolio of value-add products, free to all CoPower members. HR Support Center is provided free for all employers. Essential Orientation HR360 Discount Rx Card Wild at Work

Thank You! CoPower provides third-party administrative services in connection with Anthem Blue Cross products. Dental HMO products underwritten by Anthem Blue Cross; dental PPO, vision and life products underwritten by Anthem Blue Cross Life and Health Insurance Company. Anthem Blue Cross is the trade name of Blue Cross of California. Anthem Blue Cross and Anthem Blue Cross Life and Health Insurance Company are independent licensees of the Blue Cross Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc.The Blue Cross name and symbol are registered marks of the Blue Cross Association.