UNUM - Accident Insurance Accident Insurance Lump Sum Benefit Benefit amount is based on type of injury or incident Money can be used for anything Helps with medical expenses or bills while out of work Family coverage is available Coverage is portable and guaranteed renewable for life 1

2 Accident Insurance  The Accident Coverage pays benefits for a wide range of injuries and qualifying events such as hospitalization, physical therapy, hospital intensive care, transportation, lodging and more. The coverage is an individual policy that belongs to you and is portable.  The plan will provide coverage for both on- and off-job accidents.  The benefit is paid directly to the insured to help offset the cost of co-pays, deductibles and other medical expenses that medical insurance doesn’t cover.  The Sickness Hospital Confinement rider pays up to $100 per day, up to 30 days, if an insured individual is confined to a hospital due to a covered sickness.  This coverage can be purchased for employees, spouses and children.

UNUM - Critical Illness Insurance Critical Illness Insurance Lump sum benefit at the diagnosis of a covered illness Employee chooses the level of coverage Money can be used for anything Each condition is payable once per lifetime Family coverage is available Coverage is portable and guaranteed renewable for life 3

4 Group Critical Illness Insurance Critical Illness Insurance can pay a lump sum benefit if you or a covered family member is diagnosed with a covered critical illness including blindness, benign brain tumor, heart attack, stroke, major organ transplant, permanent paralysis, coma, occupational HIV, end-stage renal failure, major organ failure, and coronary bypass surgery. No medical questions asked for new employees applying for less than $30,000 and their spouses applying for less than $15,000 of coverage. A wellness benefit of $75 is paid for a wide variety of covered health screening tests performed per calendar year per insured. Coverage is available for employees, spouses and children.

UNUM – Universal Life Universal Life Insurance Accumulates cash value which can be borrowed against Can request an advance up to 100% if diagnosed with terminal illness* Family coverage is available Coverage is portable and guaranteed renewable for life 5 *other rules apply and may vary by state

6 Permanent Life Insurance  You have the opportunity to provide additional financial protection for your loved ones by taking advantage of Universal Life insurance.  Coverage is available for you, your spouse, and child(ren).  Money purchase: new employees can purchase up to $25/week and up to $4/week for their spouses without answering medical questions.  In addition to paying a death benefit, the policy builds cash value at an interest rate guaranteed to never be less than 3%.  The Automatic Increase rider guarantees the employee’s ability to add coverage to his/her policy for 10 years without filling out new forms or providing evidence of good health.  The Long Term Care rider provides benefits if a physician certifies the insured is chronically ill and is receiving qualified long term care services.