Results-Oriented Approach To Benefits Strategy & Service

1. Results-Oriented Approach To Benefits Strategy & Service ABC

2. | Gallagher Introducing

3. GBS: National Scope Bellevue Yakima Tacoma 80+ benefits branches and specialty practices Proven financial stability (NYSE: AJG) $1.7 billion (global) in insurance premiums handled in 2009 Ranked one of nation’s top insurance firms, benefits advisors and places to work

4. Team | Experience

5. GBS: Local Depth • Management & Infrastructure • President • 9 IT, Accounting, HR • Consulting & Account Management • 11 consultants • 14 account support staff • Benefits Administration • 20 administrators & QA staff • Analytics • 9 market analysts • Underwriting analyst Gallagher Benefit Services Virtual Office Tour • Employee Advocacy • 8 benefits specialists • Communications • 5 comm. and technology specialists • Fulfillment • 5 clerical and fulfillment specialists • Compliance • 3 legal & compliance staff • 1 legal counsel

6. Your Gallagher Service Team • Jami Hansen • Senior Client Consultant • 20 years in industry • 10 years with Gallagher • Kevin Cipoletti • VP of Sales & Marketing • 24 years in industry • 3 years with Gallagher • Amber DiGangi • Client Manager • 8 years in industry • 2 years with Gallagher Sally Wineman, Esq. Area Counsel 19 years in industry 19 years with Gallagher • Graham Thompson • Senior Marketing Analyst • 12 years in industry • 12 years with Gallagher Geromy Bertrand Voluntary Benefits 17 years in industry 10 years with Gallagher Kathleen Morris Lead Benefits Specialist 17 years in industry 3 years with Gallagher Takisha Greenberg Enrollment Coordination 10 years in industry 10 years with Gallagher

7. Reliable | Strategic Guidance

8. Results-Oriented Benefits Strategy • Saving Money • Saving Time • Reducing Liability

9. Ongoing Benefits Strategy • Implementation/Pre-Renewal • Workforce Evaluation • Benchmarking (Benefits, Contributions, etc.) • Claims Utilization • Trend Forecasting • Renewal • Marketing/Carrier Selection • Claims Projections • Contribution Strategy Analysis • Funding Analysis • IBNR (Reserve) Projections • Large Claims/Specific Deductible Analysis • Benefit Change Decrement Analysis • Post-Renewal • Claims vs. Liability • Costs vs. Budget • Outcome: Provide data and analysis critical to making strategic decisions

10. Workforce Evaluation This strategic evaluation helps to sharpen your focus on the benefits and other programs that will yield the most value on tight budgets.

11. Workforce Evaluation: Insight into Needs Workforce composition analysis by gender and life/career stage yields a better understanding of the needs of different employee segments.

12. Pre-Renewal: Benchmarking

13. Renewal: Predictive Modeling Forecast the effect of healthcare reform mandates and other plan changes Physician - Preventive services

14. Renewal: Risk Analysis

15. Renewal: Contribution Analysis

16. Post-Renewal: Claims Analysis

17. Legal | Compliance

18. Compliance Guidance

19. Legal Compliance: Our Approach

20. Annual Compliance Review

21. Healthcare Reform Compliance Review

22. Online Healthcare Reform Resources GBShealthcarereform.com

23. Healthcare Reform Financial Outlook Tool • Model Potential Impact of Mandates

24. Customized | Communication

25. Employee Communications: Trends Percentage of employees responding favorably to their benefits package: Those with above average healthcare benefits Those with below average healthcare benefits With effective benefit communication 83.6% 76.2% Without effective benefit communication 25.7% 22.1% Source: Watson Wyatt

26. Communications: Our Approach

27. Sample Communication Pieces

28. Employee | Advocacy

29. Employee Advocacy: Our Approach Staff of 8 professional Benefit Specialists ingrained with client's culture and plan specifics Toll free and email access, 6:00 am – 6:00 pm PST Access to language line interpreters Access to in-house eligibility management platform for real-time data Access to preferred level of service with major carriers and TPAs through special service arrangements Centralized HIPAA-compliant call logging and call log reporting Performance standards include 4 hour maximum callback timeframe More than 21,000 calls fielded in 2010

30. Call Logs

31. Client Satisfaction Surveys - Highlights • We survey our clients twice a year: • 2 to 3 months before their renewal • 2 to 3 months after their renewal • Questions are based on the following rating system: • 5 – Exceeds Expectations • 4 – Meet Expectations • 3 – Average Services • 2 – Below Average Service • 1 – Unacceptable Service Quality • Overall rank: 4.7 – Exceeds Expectations!

32. Voluntary | Benefits

33. Voluntary Benefits: Integrated Delivery Benefits Buffet Lines of Coverage • Term life • AD&D • Short term disability • Advantages to Employer: • Budget-neutral way to enhance benefits • Single consolidated monthly statement • Enhanced employee satisfaction • No internal admin. required • Includes EOI tracking & billing • Advantages to Employee: • Low price • Broad choice • Personalized form • Personal advocate • Portability • Higher guaranteed issue • Advanced claims reimbursement • Long term disability • Long term care • Critical illness • Injury and accident • Vision • Pet Insurance • Other lines

34. Eligibility | Management

35. Eligibility Management • Insurance Carriers • Medical • Dental • Life • STD & LTD • Subsidiaries • Client’s… • Accounting • Payroll • HR custom reports data feeds • GBS • Administrators Online Enrollment System

36. Questions | Answers

37. We look forward to working with you!