1. Targeting 5 to 100 life groups Starmark’s Self-Funded products provide administration and stop-loss protection for small and mid-size businesses self-funded plans. http://www.starmarkinc.com/email/starmark/T500-227.html

2. How Starmark’s Self-Funded Programs Work http://www.starmarkinc.com/email/starmark/T500-227.html

3. Claims Pre-Fund Account When employees have claims, the covered claims are paid out of the claim pre-fund account. If claims are more than what is funded, the stop- loss insurance pays the balance. If claims are less than what is funded, the surplus will be returned either as an administrative fee credit or cash. http://www.starmarkinc.com/email/starmark/T500-227.html

4. Surplus Options Cash Refund Administration Fee Credits Examples Run-Out 12/21 12/24 12/27 http://www.starmarkinc.com/email/starmark/T500-227.html

5. Initial Quote Census Group Name Zip-Code SIC-Code Census http://www.starmarkinc.com/email/starmark/T500-227.html

6. Benefit Summary Networks Deductibles Co-Insurance Out-of-pockets Preventive Care X-ray and Lab High-Tech Imaging Lab Card Program Prescription Drug Card HSA Qualified Plans HRA Administration YourCare CareChampion 24/7 http://www.starmarkinc.com/email/starmark/T500-227.html

7. Plan Document/Summary Plan Description Certificate of Coverage Contracts ID Card http://www.starmarkinc.com/email/starmark/T500-227.html

8. Submission Process – Full Medical Underwriting Employer Application Employee Applications Sold Proposal Prior Carrier Bill Paper Applications, or Express Connect Online, or Telephone 800# Final Offer http://www.starmarkinc.com/email/starmark/T500-227.html

9. Pricing Family StatusNumber of Employees Cost Employee10$328.28 Employee and Spouse2$755.08 Employee and Child1$529.71 Full Family3$956.51 Total Monthly$8,192.20 http://www.starmarkinc.com/email/starmark/T500-227.html

10. Annual Aggregate Attachment Point – The overall claim liability of the employer during the contract period. All eligible claims in excess of this amount are paid by the Stop-Loss Insurance. Specific Deductible – Eligible claims for each covered person that are more than this amount during the contract period are paid by the Stop- Loss Insurance. Self-Funded Breakdown Attachment Point Specific Deductible15,000 Annual Aggregate Attachment Point35,354 Total Monthly Cost Stop-loss Premium$3,879.22 Administration Fees$1,366.81 Claim Prefunding$2,946.17 Total$8,192.20 http://www.starmarkinc.com/email/starmark/T500-227.html

11. Agreement for Plan Supervisor Stop Loss Contract Contracts http://www.starmarkinc.com/email/starmark/T500-227.html

12. Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Deposit Claims PaymentsBalance Surplus Aggregate Account Statement http://www.starmarkinc.com/email/starmark/T500-227.html

13. 13 Claims Utilization Reports Reports Medical enrollment by Month Summary by Patient Type Summary by Service Summary by Diagnostic Category Prescription Drug Report http://www.starmarkinc.com/email/starmark/T500-227.html

14. Broker Commissions Commission percentage is based off the stop- loss premium Can be adjusted up or down at new business and renewal 14 http://www.starmarkinc.com/cps/rde/xchg/starmark/hs.xsl/MGA_LicensingCommissions.htm

15. Current Bonus Program http://www.starmarkinc.com/2013bonusprogram/index.html

16. What’s Next? For Quotes & Personal Consultative Assistance, Contact HealthPlan Services’ Licensed Sales Team: 800-545-6441 16 Medical | Dental | Vision | Life | Ancillary Group | Individual | Voluntary www.healthplan.com