“We Believe Spirit is the Best Dental Plan in America!”

1. “We Believe Spirit is the Best Dental Plan in America!”

2. Why Dental Insurance? • Preventive Dental Care builds a healthy smile and healthier life • Over 125 Illnesses including anemia, bulimia, diabetes, osteoporosis and cancer express symptoms in the mouth which can be detected during a routine dental exam. 2000 Surgeon General’s report • Dental insurance provides financial assistance to you and your family to encourage regular visits to your dentist, which are essential to maintaining oral health.

3. EXPERIENCE THE FREEDOM • Choose Your Own Dentist or select from a PPO Plan Network • No Waiting Periods • Guaranteed Acceptance • Implants and Major Services Covered • 3 Cleanings Per Calendar Year • Choose From $1,200 or $2,000 Calendar Year Annual Maximums per Person • Rates Guaranteed for 1 Year

4. Who is Spirit Dental & Vision? • Created in 2003 by Direct Benefits • Underwritten by Security Life Insurance Company of America - Founded in 1956 • Over $50 million yearly dental premiums • Thousands of customers nationwide

5. What Plans are available? • Indemnity Plan • DHA – Premier PPO Network

6. Indemnity • Means that you can Choose Any Dentist in the USA • No PPO Network • Based upon the 90th percentile of Reasonable and Customary (R&C) • R&C means the usual, customary and regular charges for the area where such expenses are incurred

7. Indemnity Covered Services PREVENTIVE* • -- two exams per calendar year • -- three cleanings per calendar year BASIC * • -- Space maintainers • -- one series of bitewing x-rays per year • -- Sealants (children to age 16) • -- one topical fluoride per year to age 16 MAJOR * • -- Simple extractions • -- Implants (endosteal only), up to the allowance for the lowest cost covered traditional procedure • -- One diagnostic x-ray, full or panoramic in any 3 year period • -- Oral surgery • -- Endodontic treatment • -- Periodontal services • -- Restoration services; inlays, onlays and crowns • -- Prosthetic services; bridges and dentures • -- Basic fillings

8. DHA-Premier PPO Network • Choose from nearly 46,000 dentists • Higher Coverage – Lower Rates • To look up DHA-Premier providers, please visit www.premier-dental.com • Not available in AK, ID, IL, ME, NJ, NY, VA, VT and WA

9. DHA-Premier Covered Services PREVENTIVE* • -- two exams per calendar year • -- three cleanings per calendar year BASIC * • -- Space maintainers • -- one series of bitewing x-rays per year • -- Sealants (children to age 16) • -- one topical fluoride per year to age 16 MAJOR * • -- Simple extractions • -- Implants (endosteal only), up to the allowance for the lowest cost covered traditional procedure • -- One diagnostic x-ray, full or panoramic in any 3 year period • -- Oral surgery • -- Endodontic treatment • -- Periodontal services • -- Restoration services; inlays, onlays and crowns • -- Prosthetic services; bridges and dentures • -- Basic fillings

10. Deductibles and Maximums • $50 Preventive Lifetime deductible per person • $50 combined Basic/Major calendar year deductible per person - Maximum of 3 individual deductibles per family per calendar year • Choose from $1200 or $2000 annual maximum per person per calendar year

11. Optional Spirit Vision Insurance • Choose Your Own Eye Care Provider Maximum covered expense: • Exam (once every calendar year) ….$50 • Frames (once every 24 months)……$65 • Lenses (once every 12 months)- Single $40, Bifocal $60, Trifocal $70, No line bifocal or Progressive $100 • Contacts (In lieu of lenses & frames)..$100

12. Vision Copay, Deductible & Rates • $10 co-pay for each Yearly Exam • $50 Lifetime Per Person Deductible on Lenses and Frames • Monthly PremiumsUnder age 65 Age 65+ • Insured only $7.80 $9.36 • Insured & 1 person $14.90 $17.88 • Insured & 2 or more $19.97 $23.96

13. Your Rates are based on • The zip code in which you live • Your Age • Coverage type you select: Applicant, Applicant +1 or Applicant + Family • Indemnity (Choose Any Dentist) or PPO • $1200 or $2000 calendar year annual maximum • Vision or No Vision Coverage

14. How to Enroll? • Monthly payment options are available by Auto-bank draft ACH Checking/ Savings account or Visa/ Master Card • $35 paper application fee or $20 online application fee: www.SpiritDental.com • Plan effective dates are always 1st of the month • 10-day Customer Satisfaction Guarantee

15. Important Notice- • This presentation provides a very brief description of some important features of your Plan. It is not the Insurance Contract, nor does it represent the Insurance Contract. A full explanation of benefits, exceptions and limitations is contained in the Certificate of Insurance under Policy Form GH-1112-37740-1 issued to the Voluntary Group Trust