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 TVWYATVWYO T V# Y$ v $  ,.:;adefgopstuvz,, : ;  ce  TTVWYvwTYyÍCGOQTUVWYcd  goq tuvwyO, . : ; TWZ, . : ; ATVWXY,.Ab npr,-.:;J ݥݺޜޝޞޟޥ޹޿,.adm n p st v z v w ye o  tv,.:;aemnorsuyzwtvwxy,.:;adei ou v    ,.	    W#        (  <P ALIGN="LEFT"><FONT FACE="GaramondItcTEE" SIZE="21" COLOR="#DDEEFF"><B><I>Couldn&apos;t you use a little help managing your <SBR/>retiree medical program?</I></B></FONT></P>   cG i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ 	 i @	 i @	 i @	 i @	 i @	 i @	 i @@ 	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T@ 	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  @         J`@ @ @ @ @ 	    # 0  f       (  <P ALIGN="LEFT"><FONT FACE="FuturaTEEBolCon" SIZE="28" COLOR="#000066">Our Retiree Benefit Solution...</FONT></P>   Oi @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ @ @ @ @ @ @ 	   w # @       (  <P ALIGN="LEFT"><FONT FACE="Garamond Book" SIZE="16" COLOR="#FFFFCC">Through our product offerings, <SBR/>we have been able to implement <SBR/>and manage effective retiree <SBR/>medical programs to companies <SBR/>nationwide. Our strategy helps to <SBR/>eliminate the burden on your <SBR/>human resource staff by <SBR/>administering your retiree <SBR/>medical program and shifting the <SBR/>entire customer service function <SBR/>to our experienced retiree <SBR/>customer care specialists. <SBR/>Meanwhile, we support you in <SBR/>promoting and servicing the <SBR/>program every step of the way.  </FONT></P>   +i @  Y&    JFIF        "    ? #T*H⢉9|ݲ*aFᛜ!ziQG,UQxiytdOnd!%<?,7ӕ%Imb-!F1P"[vUSIY.(VAU-GLw3	R4jGnTi.I<b'ڨ]Cm#3bIze|/${Tqn\mVL̵b&hm+ lv_VfB)P.֮0J*ėۅa?Ȋ'=3R*->_q.ޡftt99+L\˨g1$f+i i[\vx$%Asoq qI?[X 5\ʫ v2(5 OªK/7rpVg.Tc[PAbh[#I]P<cY\z~\E\1g^Q J(˽C<}+J8PDO/ҹx؂O'[8n֜(5#I ]
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0 i @  @ 	 i @ ̉	 i @ @ 	 i @	 i @@ 	 i @h	 i @h@ 	 i @4	 i @4@ 	 	 @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ 	 i @	 i @	 i @@ 	 i @T	 i @T	 i @T@ 	 i @  	 i @  	 i @  @    @ @ @ @ @ 	   " # 0  f       (  <P ALIGN="LEFT"><FONT FACE="FuturaTEEBolCon" SIZE="28" COLOR="#000066"><B>Easy Billing and Claims Processing</B></FONT></P>  " Oi @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ @ @ @ @ @ @ 	*  # w	"ט# @       (  <P ALIGN="LEFT"><FONT FACE="Garamond Book" SIZE="16" COLOR="#FFFFCC">Multiple billing options <SBR/>such as list bill, direct bill <SBR/>or a combination of the <SBR/>two are available to you. <SBR/>We also offer automated <SBR/>claims payment, which <SBR/>reduces confusion for <SBR/>retirees. We even <SBR/>download all claims <SBR/>directly from the <SBR/>Medicare databases to pay <SBR/>the doctors their fees. <SBR/>Your retirees are never <SBR/>burdened by cumbersome <SBR/>claim forms.</FONT></P><P ALIGN="LEFT"></P>  # P i @  7  $  JFIF       4"    ? 1r9[Ú6=u@f8;sh˫{ khzP~d#)^B*!o
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 @ @ @ @ @ @ @ @ @ @ @ 	   /  # ,       (  <P ALIGN="LEFT"><FONT FACE="Garamond Book" SIZE="15" COLOR="#FFFFCC">Our call center quality standards are key to our <SBR/>corporate culture and are closely followed. They include:</FONT></P>  / r i @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ @ @ @ @ @ @ 	   0 wc# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">     Service hours from 8:00 a.m. to 8:00 p.m. (EST)</FONT></FONT></P>  0 ri @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ 	   1 w# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">     Resolving 95% of all incoming calls immediately</FONT></FONT></P>  1 r i @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ 	   2 w# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">     Resolving the remaining calls the same day</FONT></FONT></P>  2 ri @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ 	   3 w# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">     An abandonment rate of less than 3%</FONT></FONT></P>  3 rS@i @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ 	   4 w# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">     A hold-time of less than 20 seconds</FONT></FONT></P>  4 r@i @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ 	 i @	 i @	 i @	 i @	 i @	 i @	 i @		 i @	
 i @	 i @@ 	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T		 i @T	
 i @T	 i @T@ 	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  		 i @  	
 i @  	 i @  @        	 
  @ @ @ @ @ 	   5 # 0  f       (  <P ALIGN="LEFT"><FONT FACE="FuturaTEEBolCon" SIZE="28" COLOR="#000066"><B>Recap of Plan Highlights</B></FONT></P>  5 Oi @  @ 	 i @ @ 	 i @T@ 	 i @ @ 	 i @@ 	 i @T@ 	 @ @ @ @ @ @ @ @ 	   6  р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Dedicated retiree customer care specialists</FONT></FONT></P>  6 Ivi @  ]  7  JFIF        "    ? ߋ#֟ *>MVQ-w!Avc9ZPzr#i)ќ=Uƿ\R0Mh.}*JkT?-(+krҚ1b hC<IDjs</ ^_XgrkK+WѮ$%e ]lNwqAVJ	{~R=3RTx)KL9^UH9Jl%nMo4P;OC)#*%q}icE+7I!Q#tGԊ}GLJjSO!OJju"LҖධ\Co!zg+So^\]z,M̸?tuVZʌ
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y}_fo^)l=jă)(E((|ٿ 6   8 qJ0A@    A7 wkC  ʇx7J;   8 )i @  @ 	 i @ 	 i @ @ 	 i @$	 i @$@ 	 i @	 i @@ 	 i @H	 i @H@ 	 i @܉	 i @@ 	 i @l	 i @l@ 	 	 @ @ 	   9 C р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Nationwide indemnity program</FONT></FONT></P>  9 bi @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   : -? р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Plans for non-Medicare eligible retirees</FONT></FONT></P>  : i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   ; 2 р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Prescription drug program </FONT></FONT></P>  ; ġ i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   < 2 р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Plan can be offered on a voluntary basis</FONT></FONT></P> 
 < d i @  @ 	
 i @ @ 	
 i @$@ 	
 i @@ 	
 i @H@ 	
 i @@ 	
 i @l@ 	
 @ @ 	   = -? р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Split billing - eases the burden on Human Resources</FONT></FONT></P> 	 = " i @  @ 		 i @ @ 		 i @$@ 		 i @@ 		 i @H@ 		 i @@ 		 i @l@ 		 @ @ 	   > ' р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Can reduce FASB 106 liability </FONT></FONT></P>  >  i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   ? 2 р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Electronic claims payments - reduces claims problems </FONT></FONT></P>  ? Ǽ i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   @ > р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Online Benefits Web Site</FONT></FONT></P>  @ "@i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   A 8 р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Single plan carrier for nationwide retirees</FONT></FONT></P>  A S i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   B 5 р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   Excellent rates</FONT></FONT></P>  B i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ 	   C 8 р# ,       (  <P ALIGN="LEFT"><FONT FACE="ZapfDingbats" SIZE="15" COLOR="#FFFFCC">l<FONT FACE="Garamond Book">   A+ Rated Carriers</FONT></FONT></P>  C @i @  @ 	 i @ @ 	 i @ @ 	 i @@ 	 i @ @ 	 i @@ 	 i @ @ 	 i @@ 	 @ @ 	w  D ` # @       (  <P ALIGN="LEFT"><FONT FACE="Garamond Book" SIZE="16" COLOR="#DDEEFF">This is an excellent opportunity for you to partner with a highly <SBR/>reputable, experienced and well-established insurance <SBR/>administrator.  Our program provides you with the necessary <SBR/>benefits that your retirees need while saving you time and money.</FONT></P>  D   i @  @ 	 i @ @ 	 i @$@ 	 i @@ 	 i @H@ 	 i @@ 	 i @l@ 	 @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ @ 	 i @	 i @	 i @	 i @	 i @	 i @	 i @	 i @		 i @	
 i @	 i @	 i @	 i @	 i @	 i @	 i @@ 	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T		 i @T	
 i @T	 i @T	 i @T	 i @T	 i @T	 i @T	 i @T@ 	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  		 i @  	
 i @  	 i @  	 i @  	 i @  	 i @  	 i @  	 i @  @   
