TESTING PRODUCTS

1. XactPAYSM Workers’ Compensation Payments Made Easy Equality Financial Services, Inc

3. What are the benefits?

4. How does it compare?

5. How does it work?

7. Why The Hartford?

8. One of the first companies to pioneer “Pay-as-you-go” workers’ compensation payments 10 years ago - Leading insurance carrier with over 65,000 insured small business clients

10. Provides income and medical benefits for workers who are injured or become sick because of their jobs

11. It is required by law in all states except Texas

12. The monopolistic states of North Dakota, Ohio, Wyoming and Washington have coverage through their individual state.

14. Allows Hartford workers’ comp policy holders to pay their premiums as we run their payroll

17. Elimination of a large down payment

18. Pay premiums one pay period at a time

19. Avoid year-end surprises

20. Save Time

21. No checks to write

24. Additional Charges for late payments

25. Audit Adjustments

26. No monthly bills or checks to write

27. No charges for late payments as payments run with the payroll

29. Expense constant is taken on first payroll run $250 Taken with first payroll **Varies by state

31. Additional Charges for late payments

32. Audit Adjustments

33. No monthly bills or checks to write

34. No charges for late payments as payments run with the payroll

36. Expense constant is taken on first payroll run $250 Taken with first payroll **Varies by state

37. Policy Review at Term End Traditional Method XactPAY Scenario Payroll used to calculate premium is Less Than actual payroll Additional premium is due (typically within 30 days) Regardless of the estimated payroll, premium is calculated on exact payroll each time payroll is run. This means audits are minimal and the business owners cash flow is maximized. Excess premium collected will be credited to renewal premium. Poor Cash Management for business owner. Payroll used to calculate premium is Greater Than actual payroll Payroll is Accurately Estimated at policy inception Difficult if not impossible to project accurately, especially in business with fluctuating payroll