USA BENEFITS GROUP GUARANTEED ISSUE HEALTH PLANS USABG EAGLE DIVISION PROVIDING HEALTH INSURANCE SOLUTIONS FOR 36 YEARS

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 36 Years Of Providing health insurance Solutions 2

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

CENTRAL UNITED LIFE “Affordable Choice Plan” STABILITY AND SECURITY Our specific plan design has been used by for many years and none of those plans has ever had a single rate increase on an in force policy !! EVER IMPORTANT FEATURES OF ALL “Affordable Choice Plans” No Deductible + No Coinsurance No Co-pays + No Utilization Review No Preauthorization + No Pre Certification No Application, Enrollment or Admin Fees IT’S “First Dollar Coverage” ON ALL COVERED BENEFITS 4

TOTAL PROTECTION PLUS BENEFITS Hospital Confinement Benefits General Care Benefits THREE FINANCIAL SECURITY BENEFITS USABG Value Added Benefits 5

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. 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 Multi Plan Beechstreet Re-Pricing Benefits Usually 30% To 50% Karis Group Kare 360 Benefits, Usually 50+% Kare 360 Surgery And Facility Finder Cut Rx = Rx + Lab + Imaging, Usually 50+% 6

Hospital Confinement Core Benefits Daily Confinement Benefit $3,000 Per Day / $200,000 Per Year $2,000 First Confinement Benefit Intensive Care $2,000 Per Day Up To 20 Days Surgery $50,000 Per Year + Unlimited Surgeries Assistant Surgeon 20% Of Surgery Benefit Anesthesiology Karis Kare 360 Benefit Bill Negotiations / 50+% Average For 15 Years Surgery Saver EOB Assistance Multi Plan PPO Network 30%-50% Reprising Contracts 7

General Care Core Benefits Doctor Office Visits Each adult insured on the policy will have four $75 doctor “sick visits” annually. If you have to go to the ER because of sickness, we’ll pay $250 One Per Year Allergy Shots And Immunizations $20 Per Immunizations $10 Per Allergy Shot $100 Per Year Laboratory Services $100 Per Surgery Pathological Test $50 Per Lab Test Ground And Air Ambulance Benefits $100 For Ground $1,000 For Air 8

Radiology Services - You receive PPO Reprising Discounts - You receive $100 per mammogram - You receive $200 per CT scan - You receive $450 per MRI scan - You receive $250 per PET scan - You receive $75 per other radiology services, including x-ray and ultrasound. You receive $25 per other outpatient event not listed $1,500 per calendar year limit for all outpatient events 9

THREE FINANCIAL SECURITY VALUE ADDED BENEFITS First Diagnosis Of Cancer Benefit $50,000 Paid On Diagnosis 55% Of All Hospital Confinements Are Cancer 70% Of Cancer Cases Are Over 45 Years Old KARIS PATIENT ADVOCASY BENEFIT Negotiates “HUGE” Discounts On Balances 50% Average For 15 Years MULTI-PLAN BEECHSTREET PPO NETWORK Allows For Re-Pricing Benefits On Non Covered Services 10

COMPLIMENTARY VALUE ADDED BENEFITS Rx And USABG Value Added Benefits COMPLIMENTARY VALUE ADDED BENEFITS Affordable Choice Rx Benefits You receive $10 generic You receive $25 Name Brand $750 Calendar Year Maximum Rx CUT CARD + HELP Rx THESE COMPANIES HAVE SAVED CUSTOMERS OVER $127,000,000 ON PRESCRIPTIONS 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 + PET MEDS

USABG Eagle Division Plan Options AFFORDABLE CHOICE TOTAL PROTECTION PLUS Monthly Premium = $325 Your Drug Savings = $132 Net Cost After Rx Savings = $ 193 12