1. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 1 NAIM Vision Plan NAIM Dental Plan ACACIA BENEFITS, LLC

2. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 2 Products Vision –Fully Insured –Groups of 1 to 1000 (all manual rates) –Voluntary or Employer-Paid –2 year rate guaranty Dental –Fully Insured –Groups of 1 to 1000 –Voluntary or Employer-Paid –Indemnity or PPO (20% lower premium) –Manual Rates up to 300 (100 take-over) –1 year rate guaranty 5% Discount when both vision and dental are purchased

3. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 3 Partners Marketing & Sales: NAIM GAs & agents Underwriting: Security Life –All states except NY, NJ, ME, VT, NH, MA, CT, RI, FL, NC Vision Provider: Cole Managed Vision Dental PPO Network: Careington Int’l. Administration: JLT Services Claims & Member Service: –Vision: Cole Managed Vision –Dental: JLT Services Orchestra Conductor: Acacia

4. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 4 Providers – Vision Cole Managed Vision –Largest optical retailer in the world –Sears Optical, Target Optical, JC Penney Optical, most Pearle Vision Centers, thousands of independent optometrists and ophthalmologists –NCQA service standards; outstanding manufacturing –50 million members 125 Fortune 500 companies Major national health plans –Check providers at: www.colemanagedvision.com –No authorizations or claims in network –OON benefits

5. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 5 Providers - Dental Indemnity - any dentist PPO – Careington International –Over 20,000 dentists –3 million members –For providers, check www.careington.com –OON OK – but reimbursement according to Careington fee schedule –Premium 20% less

6. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 6 Tools: NAIM GA CD Administrative Manual NAIM Super Kit for Brokers –Customize –E-mail to your brokers (or copy to a CD) GA Transmittal Form to JLT Services –Customize with your contact information

7. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 7 Tools: NAIM Super Kit for Brokers Broker Kit Marketing Pack Forms Pack All contained in a single file with clickable icons and printable pages – send via e-mail Black & white fax versions of brochures, rates

8. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 8 Things to Remember Customize your Super Kit –Add your logo and/or contact information to: Bottom of opening Super Kit page First 3 Sheets in the Broker Kit Group Applications in the Forms Pack –Delete the Group Applications for states in which you do not do business (in the Forms Pack) Customize your JLT Transmittal Form –Add your name and contact information to the master form

9. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 9 Things to Remember (cont.) Agents return their cases to you (GA) for scrubbing and forwarding to JLT Use the Transmittal Form to JLT Services Check Input sheet in Broker Kit for correct zip code for dental rates Ensure that Voluntary rates are used if the case is Voluntary Is the agent appointed? Are the Group App and Enrollment forms complete? Is there a check for 1 month’s premium payable to Security Life Insurance Company of America Will this reach JLT Services by the 20 th of the month preceding the effective date?

10. NAIM Vision and Dental ACACIA BENEFITS, LLC 2/22/2002 10 Contacts Administrative Questions or Issues (incl. Dental Claims) –JLT Services (Tonia Bard) tbard@jltservices.com 877 862-8949 Dental Quote Requests take-overgroups >100; virgin groups >300 –Greg Olund, Security Life gdolund@securitylife.com 800 328-4667 Vision Customer Service or Vision Claims –Cole Managed Vision 800 615-3299 Provider Networks –www.colemanagedvision.com and www.careington.com Unresolved Problems –Acacia Benefits (Bruce Hill at 805 358-2359; Carol Rhoads at 713 807-7604) rhill@acaciabenefits.com; crhoads@acaciabenefits.com