1. GROUP BENEFIT SOLUTIONS

2. MillerWade – The Company Specializing in: Group Benefit & Insurance Plans Administrative Services Retirement Plans Financial Services Established in 1988

3. Utah Business Magazine Ranking (Employee Benefit Plans) 2001 - #42005 - #3 2002 - #32006 - #4 2003 - #42007 - #7 2004 - #3 Utah Business Rankings

4. Agency Focus Employee Group Benefits HR Compliance & Training Administrative Services

5. Employee Group Benefits Insurance (Group & Individual) Medical, Dental, Life, Disability, Long Term Care, Voluntary Supplemental Commercial Risk Management Services – Workers Compensation, Property & Casualty, Business Liability, Commercial Auto HR Programs (Set-up & Administration) Cafeteria Plans (FSA’s), HSA’s, HRA’s, COBRA, HIPAA Human Resource Consulting & Training Online HR Web Portal – Benefits management, HR library, and Employee Database Payroll Services Retirement Packages (Administration & Allocation) 401k, Pensions, SIMPLE-IRA Plans, Pension Plans, Profit Sharing, etc. Executive Deferred Compensation Packages Creative Employee Programs Wellness and Nutrition Programs, Pre-Paid Legal Services, Personal Identity Theft Protection Plans, Fitness Training

6. Group Insurance Medical Dental Life Disability Income Long Term Care Voluntary Supplemental Group Supplemental

7. Dental Ameritas Best Dental Delta Dental Dental Select Dentist Direct Educators Mutual Humana Kansas City Life Met Life Mutual of Omaha Principal Life Health AETNA Altius Health Plans Best Medical CIGNA/Great West Health Educators Mutual Humana Regence Blue Cross Blue Shield of Utah SelectHealth UnitedHealthcare of Utah Group Insurance

8. Supplemental Benefit Plans Medical insurance pays the Hospital and Doctor, but does NOT pay for: Deductibles or Co- Insurance (which could be an additional $2,000 - $6,000 a year) House Payments, Rent, Groceries, Car Payments, Lost Time & Work, Utilities, etc. in the event of an accident or disability Types of Supplemental Plans: Hospital Gap Plans (Medical Bridge) Accident Plans (on or off the job only) Disability Income (pay check protection) Cancer Plans Critical Illness Plans (Heart Attack, Stroke, Coma)

9. Value Added Services Administrative Services COBRA Compliance Health Reimbursement Arrangements (HRA’s) Cafeteria Plan (incl. Flexible Spending Accounts) Human Resource Consulting & Training On-Site Workshops Group Benefit Counseling Claim Assistance Enrollment/Dis-enrollment Issues HIPAA Compliance Supervisor Training Financial/Insurance Services Retirement Rollover Strategies Voluntary Supplemental Insurance Plans Personal Life & Disability Insurance 401(k), Simple/SEP IRA, Pension Plans Personal Retirement Plans Corporate Wellness Programs On-site Health Fairs for Employees - Cholesterol, Body Fat, and Blood Pressure Nutritional/Wellness Programs Creation/Support Fitness Training

10. Term Life Quoting Tool Shop for lowest cost term life insurance 10, 15, 20, and 30 year level premium options are available Simplified application process Highest rated carriers available Disability and Children’s riders available *Final rates subject to underwriting approval

11. Web Based Services Web Based Services WWW.MILLERWADE.COM