2. AMERICANEMPLOYEESASSOCIATION Personal Service Employees Health Plan Presents A SPECIAL AFFORDABLE Financial Safety Net System Financial Safety Net Systemfor Cosmetologists, Beauticians, Barbers, Laundry Workers and other Personal Service Employees

3. ©2007, American Employees Association Inc. A Financial Safety Net For Independent Small Employers and their Employees AEA AEA Personal Service Employees Health Plan

4. AEA - Who Are We?? AMERICAN EMPLOYEES ASSOCIATION (“AEA”) is: AMERICAN EMPLOYEES ASSOCIATION (“AEA”) is: - A non-profit and State Voluntary Employees Beneficiary Association (“VEBA”). - A non-profit Federal and State approved Voluntary Employees Beneficiary Association (“VEBA”). - Created to provide education, employment and benefit services for underserved workers. - Created to provide education, employment and benefit services for underserved workers.

5. The Purpose of AEA Provide financial benefits for uninsured small employers, their employees, dependents & designated beneficiaries.Provide financial benefits for uninsured small employers, their employees, dependents & designated beneficiaries. Supplements private and State compensation systems.Supplements private and State compensation systems. Helps workers w/ little or no health or medical coverage.Helps workers w/ little or no health or medical coverage.

6. AEA Financial Safety Net System – What Is It? Protection for working families through: Direct financial payment assistance.Direct financial payment assistance. Affordable benefits for workers through group plans and programs.Affordable benefits for workers through group plans and programs.

7. Benefits $25,000 in Benefit Payments: Plan Payments – –$3,500 – Unemployment Disability – –$4,500 - Emergency Medical /Hospitalization – –$5,000 - Death Coverage Supplemental Payments – –$10,000 – Accidental Death – – 1,000 – Legal – – 1,000 – Life Support Grant

8. How Does It Work? Health plans for workers in specific industries such as Cosmetology, Beauty, Barber, Personal Care, etc.Health plans for workers in specific industries such as Cosmetology, Beauty, Barber, Personal Care, etc. Membership is strictly voluntary.Membership is strictly voluntary. Employees 21 years old w/ one (1) year work experience with an AEA qualified Employer.Employees 21 years old w/ one (1) year work experience with an AEA qualified Employer. Employees eligible to receive financial assistance during periods of unemployment due to disability and inability to work.Employees eligible to receive financial assistance during periods of unemployment due to disability and inability to work.

9. ELIGIBILITY Part-time Employees Okay. Part-time Employees Okay. 1000+ Hours Per Year Required. 1000+ Hours Per Year Required. No Physical Exam Required. No Physical Exam Required. No Citizenship Requirement. No Citizenship Requirement. No Income Requirement. No Income Requirement. No Employer Claims Responsibility No Employer Claims Responsibility Claims Filed Directly w/ AEA. Claims Filed Directly w/ AEA.

10. What This Means To You? NOW – PERSONAL SERVICE EMPLOYEES DON’T HAVE TO WORK WITHOUT A SAFETY NET!!NOW – PERSONAL SERVICE EMPLOYEES DON’T HAVE TO WORK WITHOUT A SAFETY NET!! Employers spend on average $3,080 to insure a single employeeEmployers spend on average $3,080 to insure a single employee $7,945 annually per family (Source: GNS)$7,945 annually per family (Source: GNS)

11. Price or Cost? AEA is now offering this basic plan for a special introductory price of: AEA is now offering this basic plan for a special introductory price of: Less Than $2.00/day!! * * This is a special limited-time introductory offer only including AEA and Plan membership! Price, terms and conditions are subject to change without prior notice.

12. Restrictions! Family Members Not Covered.Family Members Not Covered. Family Members May Join @ Reduced Fee.Family Members May Join @ Reduced Fee. No Benefits Limits - Other Plans Okay.No Benefits Limits - Other Plans Okay. All Members Receive Same Benefit Amt.All Members Receive Same Benefit Amt. No Medical Service Provider or Prescription Restrictions.No Medical Service Provider or Prescription Restrictions. Proof Required for All Claims.Proof Required for All Claims.

13.  Membership and Plan fees can be paid directly by Credit Card (MasterCard or VISA) by: Employees.Employees. Employers - w/ payroll deduction, if desired.Employers - w/ payroll deduction, if desired. Co-pay or shared payments.Co-pay or shared payments. Checking or Savings Accounts. ____________________Checking or Savings Accounts. ____________________  No bill or payment collections.  Must be disabled for 45 days  Membership and Plan Fees must be paid-in-full  Fully insured & bonded. How AEA Works For You

14. AMERICAN EMPLOYEES ASSOCIATION __________________________________ “Protecting America’s Working Families” _____________________________________ PERSONAL SERVICE EMPLOYEES DISABILITY * EMERGENCY MEDICAL & DEATH BENEFITS PLAN

15. For More Information Contact: AMERICAN EMPLOYEES ASSOCIATION ____________ “Protecting America’s Working Families” ____________ (877) UNEMPLOYED (877) 863-6756 ____________ benefits@americanemployees.com www.americanemployees.com