Results-Oriented Approach To Benefits Strategy & Service

| GallagherIntroducing

80+ benefits branches and specialty practices Proven financial stability (NYSE: AJG) $1.7 billion (global) in insurance premiums handled in 2009 Ranked one of nation’s top insurance firms, benefits advisors and places to work

Team | Experience

Compliance 3 legal & compliance staff 1 legal counsel Management & Infrastructure President 9 IT, Accounting, HR Communications 5 comm. and technology specialists Fulfillment 5 clerical and fulfillment specialists Employee Advocacy 8 benefits specialists Consulting & Account Management 11 consultants 14 account support staff Analytics 9 market analysts Underwriting analyst Benefits Administration 20 administrators & QA staff Gallagher Benefit Services Virtual Office Tour Gallagher Benefit Services Virtual Office Tour

Jami Hansen Senior Client Consultant 20 years in industry 10 years with Gallagher Amber DiGangi Client Manager 8 years in industry 2 years with Gallagher Kevin Cipoletti VP of Sales & Marketing 24 years in industry 3 years with Gallagher Graham Thompson Senior Marketing Analyst 12 years in industry 12 years with Gallagher Sally Wineman, Esq. Area Counsel 19 years in industry 19 years with Gallagher Kathleen Morris Lead Benefits Specialist 17 years in industry 3 years with Gallagher Geromy Bertrand Voluntary Benefits 17 years in industry 10 years with Gallagher Takisha Greenberg Enrollment Coordination 10 years in industry 10 years with Gallagher

Reliable | Strategic Guidance

Reducing Liability Saving Time Saving Money

Renewal  Marketing/Carrier Selection  Claims Projections  Contribution Strategy Analysis  Funding Analysis  IBNR (Reserve) Projections  Large Claims/Specific Deductible Analysis  Benefit Change Decrement Analysis Post-Renewal  Claims vs. Liability  Costs vs. Budget Outcome: Provide data and analysis critical to making strategic decisions  Workforce Evaluation  Benchmarking (Benefits, Contributions, etc.)  Claims Utilization  Trend Forecasting Implementation/Pre-Renewal

This strategic evaluation helps to sharpen your focus on the benefits and other programs that will yield the most value on tight budgets.

Workforce composition analysis by gender and life/career stage yields a better understanding of the needs of different employee segments.

Physician - Preventive services Forecast the effect of healthcare reform mandates and other plan changes

Legal | Compliance

GBShealthcarereform.com

Model Potential Impact of Mandates

Customized | Communication

Source: Watson Wyatt With effective benefit communication Without effective benefit communication Those with above average healthcare benefits Those with below average healthcare benefits 76.2% 83.6% 22.1% 25.7% Percentage of employees responding favorably to their benefits package:

Employee | Advocacy

Staff of 8 professional Benefit Specialists ingrained with client's culture and plan specifics Toll free and access, 6:00 am – 6:00 pm PST Access to language line interpreters Access to in-house eligibility management platform for real-time data Access to preferred level of service with major carriers and TPAs through special service arrangements Centralized HIPAA-compliant call logging and call log reporting Performance standards include 4 hour maximum callback timeframe More than 21,000 calls fielded in 2010

We survey our clients twice a year:  2 to 3 months before their renewal  2 to 3 months after their renewal Questions are based on the following rating system:  5 – Exceeds Expectations  4 – Meet Expectations  3 – Average Services  2 – Below Average Service  1 – Unacceptable Service Quality Overall rank: 4.7 – Exceeds Expectations!

Voluntary | Benefits

Term life AD&D Short term disability Long term disability Long term care Critical illness Injury and accident Vision Pet Insurance Benefits Buffet Lines of Coverage Advantages to Employee: Low price Broad choice Personalized form Personal advocate Portability Higher guaranteed issue Advanced claims reimbursement Advantages to Employer: Budget-neutral way to enhance benefits Single consolidated monthly statement Enhanced employee satisfaction No internal admin. required Includes EOI tracking & billing Other lines

Eligibility | Management

Client’s… Accounting Payroll HR Client’s… Accounting Payroll HR GBS Administrators GBS Administrators custom reports data feeds data feeds Online Enrollment System Insurance Carriers Medical Dental Life STD & LTD Subsidiaries Insurance Carriers Medical Dental Life STD & LTD Subsidiaries

Questions | Answers

We look forward to working with you!