1. USA BENEFITS GROUP GUARANTEED ISSUE HEALTH PLANS EAGLE DIVISION PROVIDING HEALTH INSURANCE SOLUTIONS FOR 37 YEARS

2. Who is USA Benefits Group? Who is USA Benefits Group? About the Company  USA Benefits Group is a nationwide network of health and life insurance professionals that have been serving small business owners and the self-employed since 1988.  Non-captive agents working for you, not the insurance company  25 years of Health and Life Insurance Specialization  A+ rating with the Better Business Bureau  Representing top-rated companies as determined by A.M. Best About Your Agent  USA Benefits Group Eagle Division Manager since 2004  4000 Customers  16 Third Generation Families  CHU certified since 1998  37 Years Of Providing health insurance Solutions

3. USA BENEFITS GROUP GOALS USA BENEFITS GROUP GOALS GOALS FOR TODAY Make You Aware Of All Your Options Make You Aware Of All Your Options Pick Your Best Option Based On Affordability Pick Your Best Option Based On Affordability Place Your Business With Companies We Trust Place Your Business With Companies We Trust Earn Your Business For Life Earn Your Business For Life

4. CENTRAL UNITED LIFE MEMBER OF MANHATTAN INSURANCE GROUP FOUNDED IN 1850 IMPORTANT FEATURES “First Choice Plans” No Deductible + No Coinsurance   No Co-pays + No Utilization Review   No Preauthorization + No Pre Certification   No Application, Enrollment or Admin Fees! STABILITY AND SECURITY   Our specific plan design has been used for 42 years and none of these plans has ever had a single rate increase!!

5. *82% Heart Stroke Cancer Accidents All other procedures and surgeries We Protect All Four Cornerstones Of Your Financial Security HEALTH + PAYCHECK + SAVINGS + LIFESTYLE ABOUT HOSPITAL ADMISSIONS AMERICAN HOSPITAL ASSOCIATION STATISTICS ABOUT HOSPITAL ADMISSIONS AMERICAN HOSPITAL ASSOCIATION STATISTICS 68% of all hospital confinements are related to the 3 most common critical illnesses 68% of all hospital confinements are related to the 3 most common critical illnesses 14% of all hospital confinements are related to accidental injuries 14% of all hospital confinements are related to accidental injuries Number one cause of bankruptcies Number one cause of bankruptcies

6. There are two options available to you Standard Plan vs. Total Protection Plus MAJOR MEDICAL ONLY Total Protection Plus CUL Platinum Defined Benefit Plan + CUL Cancer Plus + TC Tri-Med Plan + Karis Group Standard Protection CUL Platinum Defined Benefit Plan CRITICAL ILLNESS MAJO R MEDICAL ACCIDENT COVERAGE

7. STANDARD PLAN Vs. TOTAL PROTECTION PLUS HEART ATTACK FOLLOWED BY HEART BYPASS STANDARD PLAN COVERAGE  Total Bill = $78,000  PPO Discount Reduces Bill To $47,400  Platinum Plan Pays $33,250  CLIENT EXPOSURE = $14,150 TOTAL PROTECTION PLUS COVERAGE  Total Bill = $78,000  PPO And Karis Discounts Reduces Bill To $31,200  Platinum Plan Pays $33,250  CLIENT EXPOSURE = + $1,950  Plus $23,000 Paid From Cancer Plus And TC Tri-Med Plans  Total Cash For Recovery = $24,950

8. Hospital Confinement Core Benefits  Daily Confinement Benefit   $2,500 days 1,3, 4, 5,& 6   $1,500 day two   $500 days 7 – 365  Intensive Care  $2,000 Per Day Up To 20 Days  Surgery  $10,000 Schedule, Unlimited Times  Covers In-Patient & Out Patient  Anesthesiology  25% Of Surgery Benefit  Multi Plan PPO Network  30%-50% Reprising Contracts  Karis Kare 360 Benefit  Bill Negotiations / 50+% Average For 15 Years  Surgery Saver  EOB Assistance

9. General Care Core Benefits  Doctor Office Visits   Each adult insured on the policy will have four $100 doctor “sick visits” annually.   If you have to go to the ER because of sickness, we’ll Increase OP Sickness Benefit by $150  AD&D   $30,000  Wellness   $400 mammogram, $100 PAP  Private Duty Nursing   $250/day for 20 days/yr  Accidents   $% of $1,800 SIR schedule   $200 per accident X 4 Times Yearly   Surgical Benefit + anesthesia

10. USABG FINANCIAL SECURITY VALUE ADDED BENEFITS 68% Of All Hospital Confinements Are Cancer / Heart 70% Of Cancer / Heart Cases Are Over 50 Years Old CUL CANCER CARE PLUS $5,000 FDB + $7,500 Chemo + R&B + ICU TEAM CORP TRIMED PROTECTOR $10,000 CI + $10,000 Accident + $10,000 AD&D KARIS GROUP KARE 360 BENEFIT Bill Mediation ( 50+% ) + EOB Audit + $10,000 AD&D

11. USABG VALUE ADDED BENEFITS Medi-Save Rx Canada  We have been successful many times at saving a new client more money on their “Rx costs” than the actual cost of our plan!! Rx CUT CARD ALSO INCLUDES HUGE “ 50+%” DISCOUNTS LAB WORK + MEDICAL IMAGING ALSO INCLUDES HUGE “ 50+%” DISCOUNTS LAB WORK + MEDICAL IMAGING

12. Your Pre-Existing Condition A Pre-Existing condition is any condition for which you have received treatment, taken medication, or have had treatment recommended during the immediate previous 12 months and are not covered for one year. A Pre-Existing condition is any condition for which you have received treatment, taken medication, or have had treatment recommended during the immediate previous 12 months and are not covered for one year.  You are covered from day one for all benefits, including hospitalization and surgery, for any other conditions WHAT YOU DO HAVE ON THESE CONDITIONS After the first year, you are covered for all benefits, and for all conditions After the first year, you are covered for all benefits, and for all conditions Multi Plan Beechstreet Re-Pricing Benefits Usually 30% To 50% Multi Plan Beechstreet Re-Pricing Benefits Usually 30% To 50% Karis Group Kare 360 Benefits, Usually 50+% Karis Group Kare 360 Benefits, Usually 50+% Kare 360 Surgery And Facility Finder Kare 360 Surgery And Facility Finder Cut Rx = Rx + Lab + Imaging, Usually 50+% Cut Rx = Rx + Lab + Imaging, Usually 50+%

13. USABG Eagle Division Plan Options FIRST CHOICE FIRST CHOICE TOTAL PROTECTION PLUS TOTAL PROTECTION PLUS  Monthly Premium = $361  Your Drug Savings = $279  Net Cost After Rx Savings = $ 82