2011 Benefits Enrollment

1. 2011 Benefits Enrollment This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

2. 2011 Open Enrollment – Introduction The year 2011 brings change to all Old Republic Companies regarding our benefits program. Beginning on January 1, 2011, all Old Republic Companies will offer the same benefits package. All premium contributions will be the same regardless of where you are employed in the Old Republic enterprise of companies. The following presentation will summarize the benefit programs that are available to you. Additional information is also available in the following formats: Paper – 2011 Benefits Guide Online – www.oldrepublic2011benefits.com You must complete an enrollment form even if you do not elect coverage(s). All enrollment forms should be returned to your local HR representative. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

3. Medical Plan Blue Cross Blue Shield of Minnesota Contributory Plan – Contribution based on salary Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to pages 4 - 7 of the 2011 Benefits Guide Choose between two medical plans: • $500 Deductible PPO Plan • $3,000 Deductible High Deductible Health Plan (HDHP/Options Blue) – with Optional HSA • Both options use the same network of providers • Online “Find a Doctor” tool • Visit bluecrossmn.comand use “Find a Doctor” • For MN providers, click on Blue Cross Aware – Search the network • For National providers, click on National BlueCard – Search the network • Click on “Guest” • Click on “FIND PROVIDERS” • Call 1-800-810-BLUE (2583) • Call Customer Service: 651-662-5004 or toll free at 1-866-870-0348 • Specify PPO network This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

4. Plan Plan $500 Deductible PPO Plan $500 Deductible PPO Plan In Network In-Network Out-of-Network Out of Network $500 Single $500 Single $1,000 Single $1,000 Single Deductible Deductible $1,500 Family $1,500 Family $3,000 Family $3,000 Family Office Visit Copay Office Visit Copay $20 copay $20 Copay N/A N/A Medical Coinsurance Medical Coinsurance Plan pays 80% Plan Pays 80% Plan Pays 60% Plan pays 60% $2,500 Single $2,500 Single $4,000 Single $4,000 Single Out Out - - of of - - Pocket Maximum Pocket Maximum $5,000 Family $5,000 Family $8,000 Family $8,000 Family Preventive and Well Baby Care Preventive and Well Baby Care Plan pays 100% Plan pays 100% 60% after deductible 60% after Deductible Hospital Care Hospital Care 80% after deductible 80% after Deductible 60% after Deductible 60% after deductible Emergency Room Care* Emergency Room Care* $150 Copay $150 copay $150 Copay $150 Copay *Waived if admitted *Waived if admitted Lifetime Maximum Lifetime Maximum Unlimited Unlimited Unlimited Unlimited BCBSMN - $500 Deductible PPO Plan Please refer to pages 4 - 6 of the 2011 Benefits Guide This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

5. 90dayRx* 90dayRx* Retail Retail Retail Pick RetailPick - - up or up or Pharmacy Pharmacy Home Delivery Home Delivery Days’ Supply Days Supply 31 days 31 days 90 days 90 days Generic Generic $10 copay $10 Copay $25 Copay $25 copay Brand Name with No Brand Name with No $40 copay $40 Copay $95 copay $95 Copay Generic Equivalent Generic Equivalent Brand Name with Generic Brand Name with Generic $60 Copay $60 copay $135 copay $135 Copay Equivalent Equivalent BCBSMN - $500 Deductible PPO Plan Rx Program Please refer to pages 4 - 6 of the 2011 Benefits Guide *For eligible drugs available at participating 90dayRx pharmacies. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

6. Plan Plan $3,000 Deductible HDHP Plan $3,000 Deductible HDHP Plan In Network In-Network Out-of-Network Out of Network $3,000 Single $3,000 Single $4,000 Single $4,000 Single Deductible * Deductible $5,000 Family $5,000 Family $6,000 Family $6,000 Family Office Visit Copay Office Visit Copay N/A N/A N/A N/A Medical Coinsurance Medical Coinsurance Plan pays 100% Plan pays 100% Plan pays 60% Plan pays 60% $3,000 Single $3,000 Single $6,000 Single $6,000 Single Out Out - - of of - - Pocket Maximum Pocket Maximum $5,000 Family $5,000 Family $8,000 Family $8,000 Family Preventive and Well Baby Care Preventive and Well Baby Care 100% 100% 60% after deductible 60% after deductible Hospital Care Hospital Care 100% after deductible 100% after deductible 60% after deductible 60% after deductible Emergency Room Care Emergency Room Care 100% after deductible 100% after deductible 60% after deductible 60% after deductible Lifetime Maximum Lifetime Maximum Unlimited Unlimited Unlimited Unlimited BCBSMN - $3,000 Deductible High Deductible Health Plan (HDHP/Options Blue) Please refer to pages 4 - 6 of the 2011 Benefits Guide This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

7. 90dayRx* 90dayRx* Retail Retail Retail Pick Retail Pick - - up or up or Pharmacy Pharmacy Home Delivery Home Delivery Days’ Supply Days Supply 31 days 31 days 90 days 90 days Generic Generic 100% after deductible 100% after deductible 100% after deductible 100% after deductible Brand Name with No Brand Name with No 100% after deductible 100% after deductible 100% after deductible 100% after deductible Generic Equivalent Generic Equivalent 100% after deductible 100% after deductible 100% after deductible 100% after deductible Brand Name with Generic Brand Name with Generic Equivalent Equivalent BCBSMN - $3,000 Deductible High Deductible Health Plan (HDHP/Options Blue) Please refer to pages 4 - 6 of the 2011 Benefits Guide *For eligible drugs available at participating 90dayRx pharmacies. • Please refer to the 2011 Open Enrollment Website for rates and enrollment forms This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

8. Health Savings Account (HSA) – Optional, if HDHP is chosen SelectAccount Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to page 7 of the 2011 Benefits Guide What is a Health Savings Account? • HSA is a financial account owned by the individual • Contributions to the account are used to pay for current medical expenses or saved for future medical expenses - all IRS Section 213(d) eligible expenses • No “use it or lose it” - unused funds roll over • Tax advantages • Contributions are pretax • Interest earned or investment gains are tax free • Distributions are not taxed, if used for qualified medical expenses • Investment opportunities • Portable What expenses are eligible? • All health plan eligible expenses (including deductible) • IRS Section 213(d) • Some insurance premiums • Continuation/COBRA Premiums • Medicare Premiums (in retirement) • Long Term Care Insurance (excludes employer-sponsored plan) This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

9. Health Savings Account (HSA) – Optional, if HDHP is chosen Who is Eligible? • Is covered by a qualified HDHP • Is not covered by any other health insurance (including spouse’s medical FSA) • Is not enrolled in Medicare • Can’t be claimed as a dependent on someone else’s tax return(i.e., children) Contributions • Employee pretax contributions through a cafeteria plan can be changed at the end of any pay period • Post-tax contributions are an “above the line” deduction • Contributions can be made any time during the year up to the date the member’s tax return is due (April 15th) • Maximum employee contribution in 2011: • $3,050 (employee) • $6,150 (employee + 1 or more dependents) • Catch-up contributions: • Individuals 55 years of age and older may make additional contributions • Contribution amount: $1,000 This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

10. Health Savings Account (HSA) – Optional, if HDHP is chosen Withdrawals • As you use health care services, your portion of the expenses can be reimbursed out of your Health Savings Account • Debit Card • Direct Deposit (online withdrawal requests) • Withdrawals are tax-free, if used for qualified medical expenses of the HDHP member, his/her spouse or tax-dependents (even if not covered by the HDHP) • Expenses must be incurred after the HSA is established • Expenses are reimbursed up to the HSA balance • There is no time limit on when expenses can be reimbursed • Individuals must retain documents to support reimbursement • Withdrawals for non-qualified medical expenses • Withdrawal amount is counted as income • Subject to 20% excise tax • Non-qualified withdrawals for those 65+ years of age • Withdrawal amount is counted as income • No excise tax applies This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

11. Flexible Spending Account – Plan Year 1/1/2011 - 12/31/2011 SelectAccount Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to page 10 of the 2011 Benefits Guide • There are two separate components • Medical Flexible Spending Account • Minimum Election: $10 per month ($120 per year) • Maximum Election: $2,500 per year • You may use funds immediately for eligible expenses incurred during the plan year • Dependent Care Reimbursement Account • Minimum Election: $10 per month ($120 per year) • Maximum Election: $5,000 per year (Determined by IRS) • Funds must be in the account prior to reimbursement • For every dollar you set aside, you do not pay Federal, State or FICA taxes • “Use it or lose it” – all expenses must be incurred by December 31st or they will be forfeited • Funds will be deducted semi-monthly through a payroll deduction • If participating in an HSA, participation is limited to dental and vision expenses. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

12. Additional Information • If you would like additional information on the Health Savings Account or Flexible Spending Accounts offered through SelectAccount, please go to one of the following resources. • Webinar: Located on www.oldrepublic2011benefits.com • Call Customer Service: 1-800-859-2144 • Online: www.selectaccount.com • A Benefits Cost Calculator is available in the 2011 Benefits Guide or on the 2011 Open Enrollment Website. The Benefits Cost Calculator will assist you in determining how much you should set aside for the 2011 plan year. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

13. Voluntary Vision Program VSP Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to page 8 of the 2011 Benefits Guide • Must use a VSP provider to get highest level of coverage • Visit www.vsp.com for more information • Basic Plan Summary: • Eye Examinations: $10 Copay • Standard Lenses: $20 Copay • Additional Lens Options: 20% Discount • Contact Lens or Frame Allowance: $150 • Contacts or Frames over $150: 20% Discount • Frequency Limitations: • Examination: 1 – Every 12 months • Frames: 1 – Every 24 months • Premiums will be deducted semi-monthly through a payroll deduction • Please refer to the 2011 Open Enrollment Website for rates and enrollment forms This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

14. Dental Plan Delta Dental of Minnesota Contributory Plan Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to page 9 of the 2011 Benefits Guide This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

15. Dental Plan • Networks – Delta Premier or Delta PPO • Online “Find a Dentist” tool • Visit deltadentalmn.organd use “Find a Dentist” • For providers, click on Delta Dental PPO or Delta Premier – Search the network • Call Customer Service toll free at 1-800-448-3815 • Delta Premier is Delta’s largest National Network • Delta PPO is a smaller National Network, but offers deeper discounts • Premiums will be deducted semi-monthly through a payroll deduction. • Please refer to the 2011 Open Enrollment Website for rates and enrollment forms. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

16. Basic Life and Accidental Death & Dismemberment UNUM Company-Paid Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to pages 12 and 13 of the 2011 Benefits Guide • Basic Life and Accidental Death & Dismemberment Benefit • Two times annual base earnings plus commissions/performance bonuses • $500,000 maximum • Accidental Death & Dismemberment matches the Basic Life • The benefit will reduce at age 70 to 65% of the original benefit and to 50% of the original benefit at age 75 • Additional Features • Worldwide Travel Emergency Assistance utilizing Assist America • Employee Assistance Program utilizing Ceridian • Master-level consultants available for you or your family members • Locate childcare or eldercare • Financial experts • Depression or substance abuse • 30 minute legal consultation • Website access to www.lifebalance.net This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

17. Supplemental Life Insurance - Employee UNUM Employee-Paid Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to pages 12 and 13 of the 2011 Benefits Guide • Employee Life Insurance • May purchase additional life insurance in increments of $10,000 • Maximum – the lesser of 5 times annual base salary or $500,000 • Guarantee Issue Limit - $200,000 • Amounts purchased up to $200,000 during the open enrollment period do not require evidence of insurability. • If life insurance is declined during open enrollment, future enrollment will require evidence of insurability. You may be declined. • Rates are based on employees age as of January 1, 2011. • Premiums will be deducted semi-monthly through a payroll deduction. • Please refer to the 2011 Open Enrollment Website for rates and enrollment forms. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

18. Supplemental Life Insurance – Spouse UNUM Employee-Paid Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to pages 12 and 13 of the 2011 Benefits Guide • You must purchase Supplemental Life Insurance on yourself in order to purchase Supplemental Life Insurance on your spouse and child(ren). • Spouse Life Insurance • May purchase additional life insurance in increments of $10,000 • Maximum – Lesser of employee purchased benefit or $500,000 • Guarantee Issue Limit - $30,000 • If life insurance is declined during open enrollment, future enrollment will require evidence of insurability. You may be declined. • Rates are based on the spouses age as of January 1, 2011. • Premiums will be deducted semi-monthly through a payroll deduction. • Please refer to the 2011 Open Enrollment Website for rates and enrollment forms. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

19. Supplemental Life Insurance – Dependent Child(ren) UNUM Employee-Paid Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week Please refer to Pages 12 and 13 of the 2011 Benefits Guide • You must purchase Supplemental Life Insurance on yourself in order to purchase Supplemental Life Insurance on your spouse and child(ren). • Dependent Child(ren) • Dependents include children ages six months to 19 years, or up to age 26, if a full-time student. • May purchase one of three options - Evidence of insurability is not required • Option 1: $5,000 • Option 2: $10,000 • Option 3: $15,000 • Each child is insured for the amount chosen, rate is the same regardless of the number of children in each family. • Premiums will be deducted semi-monthly through a payroll deduction. • Please refer to the 2011 Open Enrollment Website for rates and enrollment forms. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

20. Voluntary Long Term Disability UNUM Employee Paid Eligibility – Regular full-time and regular part-time employees working 30 hours or more per week. Please refer to page 14 of the 2011 Benefits Guide • Basic Plan Summary • Monthly Benefit: 60% of base salary, plus commissions/performance bonuses • Monthly Maximum: $10,000 • Elimination Period: 90 Days – Zero Day Residual • Benefit Duration: *Social Security Normal Retirement Age This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

21. Voluntary Long Term Disability - Continued • Basic Plan Summary, continued • Survivor Benefit: 3 Months • Pre-existing Conditions Limitation: 3/3/12 • Conditions that existed 3 months prior to the insured's effective date of coverage will not be covered if the disability began during the first 12 months of coverage, unless the insured was treatment-free for 3 consecutive months starting on or after the effective date of coverage. • The Pre-existing Conditions Limitation will be waived if currently enrolled in a Long Term Disability Plan at their respective SOC. • Mental Illness Limitation: 24 Months • Enrollment is guaranteed if benefit is purchased during the open enrollment period. • Premiums will be deducted semi-monthly through a payroll deduction. • Please refer to the 2011 Open Enrollment Website for rates and enrollment forms. This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations

22. Questions??? Please contact your local HR representative or one of the following: Carrier Phone Website Blue Cross Blue Shield of MN 866-870-0348 www.bluecrossmn.com Delta Dental of MN 800-448-3815 www.deltadentalmn.org Select Account (HSA or FSA) 800-859-2144 www.selectaccount.com UNUM 800-421-0344 www.unum.com Vision Service Plan (VSP) 800-877-7195 www.vsp.com This is only a summary of benefits. Refer to the Summary Plan Description or Plan Contract for complete descriptions of coverages, exclusions and limitations