Voluntary Employee Benefits Program presentation for American Pharmacists Association June 2012

Term Life Insurance Accidental Death benefit available. Elect benefit amount to protect your family’s financial security. Accidental Death benefit available. Waiver of Premium rider available. Coverage is portable.

Critical Illness Insurance Choose dollar amount that pays out when diagnosed with heart attack, stroke, major organ transplant, end stage renal failure, etc.. Pays annual wellness test of $50. Spouse coverage available. Children coverage at no additional cost. Coverage is portable.

Accident Insurance Pays lump sum benefit when accident occurs off the job. Benefit covered include hospitalization, emergency room visit, dislocation, fractures, burns, ambulance, and several other benefits. Employee, employee/spouse, one parent family, and/or two parent family. Coverage is portable.

Long Term Care Insurance Choose $1000 increments up to the maximum benefit amount of $9,000 a month. Choose two year, six year, or lifetime facility benefit duration. Coverage is portable.

Veterinary Pet Insurance (VPI) Plans

Available Plans *Premium is based upon: Species Age of pet Breed Type of plan selected State of residence Typical monthly cost is $21-$37

Optional Wellness Coverage

How VPI Works Step 1 Beau’s race against time Step 2 Step 3 Pay for your pet’s treatment at the time of service. Step 2 Fax or mail our easy-to-use claim form along with your receipts. Step 3 After meeting your policy’s annual deductible, you are reimbursed according to your plan’s benefit schedule.† Our one-page claim form makes filing claims easy and you can track your claims online through our VPI Policyholder Portal. Beau’s race against time After eating pieces of a toy car, Beau was rushed to the veterinarian’s office. The diagnosis was grim: Beau needed immediate surgery to save his life. The veterinarian removed 42 metal toy race car pieces—plus a dish towel. “I’m so glad I have VPI. Needless to say, I’ve gotten better at keeping track of my dish towels and making my son pick up his toys. Thank you, VPI, for taking care of the rest.” ~ The Choate Family Foreign body ingestion† †VPI benefit schedules identify the amount that is available for exam fees, diagnostics, medications, surgeries and other treatments. The benefit schedule is also available online at petinsurance.com.

Choose from two convenient ways to sign up: Easy for Employees to Enroll Choose from two convenient ways to sign up: Call 877-PETS-VPI and mention you are an employee of APhA to receive a group discount on your base medical policy. Or http://www.petinsurance.com/affiliates/pharmacist and enroll online. The rates given will include your group discount.

“Affordable Legal Protection You Can’t Afford To Be Without” www.unitedlegalbenefits.com ULB-L / 11

The United Legal Benefits Plan All Legal Matters are covered by the Plan (Except Disputes with APhA – of course!) Similar structure to Health Insurance - but with attorneys --- not doctors. You select your legal services provider from the ULB network of Independent Local Law Firms Develop a personal and long-lasting relationship with your attorney ULB-L / 12

The United Legal Benefits Plan All Legal Matters are Covered (Remember the exclusion – APhA!) Many - No Additional Charge All Others - Discounts of 25% or 30% ULB-L / 13

Membership Cost $17.50 per month Family Coverage – Member, Spouse, Dependents Minimum 12 Month Membership Required Portable Benefit NOTE: The average cost of an attorney in Maryland is almost $300 per HOUR. The actual cost of membership in the ULB Plan is only $210 per YEAR. ULB-L / 14

“No Additional Charge” Services Unlimited Advice & Consultation On phone or in office – You & your attorney decide Preparation of Legal Documents Wills, Medical Directives, Powers of Attorney Explanation & Review of Documents Leases, Mortgages, Refinancing Agreements Representation Serious Traffic Matters, Juvenile Matters, Adoptions All for Less Than 1/2 Cost of A Cup of Coffee per Day! (1/4 - If its Starbucks!) ULB-L / 15

All Other Legal Services Discounted Attorneys have set fees and rates for certain legal services ULB Plan members receive guaranteed discounts - Set Fee Matters 30% - Hourly Rate 25% Recovery Fees - 33% Maximum No waiting periods, No deductibles, No Claim forms ULB-L / 16

Easy to Use Contact your attorney whenever you have a question or need Identify yourself as a member of United Legal Benefits Client / Attorney Privilege Protected Totally Confidential Call your attorney whenever a need arises, discuss it by phone or set-up an appointment to privately meet with a Plan attorney. ULB-L / 17

A Financial “No - Brainer” ? The preparation of a simple wills, powers of attorney and advance directives may cost up to $1,000. The commitment to become a member of ULB for the minimum one year period is only $210 @ $17.50 per month. “ Why not enroll now?” ULB-L / 18

How to Sign-Up Simply fill out the enrollment application which can be found in your enrollment packet or on the ULB website: www.unitedlegalbenefits.com Select your ULB Plan law firm from the list of Participating Firms. Return it to your H. R. Department. ULB-L / 19

Affiliated ULB Memberships Family Members / Friends Parents / Non-Dependent Children Retirees Same Group Rate - $17.50 per month Checks or credit/debit cards are accepted Once your membership is effective, you can start using the benefits immediately No claim forms, deductibles or co-pays Benefits can be used as often as necessary by you and your family The best point is NO HASSLE ULB-L / 20

Please take this opportunity to enroll in the Unum Voluntary Benefits, Veterinary Pet Insurance and United Legal Benefits programs being offered today. Please contact an NES benefits counselor at 877-628-3676 to enroll in these valuable benefits.