Aflac can provide supplemental insurance benefits to employees at no cost to companies. Aflac policies complement primary medical insurance and help cover costs like deductibles, copays, and income lost from missing work. Providing Aflac benefits can help attract, retain, and satisfy employees while having a positive impact on company earnings. Aflac processes most claims within 4 days and has strong financial ratings.

1. SEE HOW AFLAC CAN HELP YOU IMPROVE YOUR BENEFITS AT NO COST!!!

2. Here’s how Aflac can help you: You can provide Aflac at no direct cost to your company. Aflac compliments your primary medical insurance. Aflac can help you attract and retain employees. Aflac offers a wide variety of insurance policies that are designed to be easily administered. All of these things can help increase your employees’ satisfaction with your benefits package, which may have a positive impact on your company’s earnings.

3. Many of your employees may consider Aflac to be a necessity. Major medical plans focus on paying medical and hospital expenses, while Aflac pays benefits that can help with: Medical expenses not covered by the primary medical insurance, such as deductibles, copayments, prescriptions, etc. Additional expenses if the employee must leave the medical plan’s provider network. Charges beyond what’s reasonable. How much do you think your employees should pay in case of an accident or illness?

4. Aflac helps your employees. Our plans pay benefits that can be used toward: Additional expenses, such as: Round-trip travel expenses to special treatment centers Food and lodging Child care Additional help at home Long-distance calls Personal expenses, such as: House payment Car payment Food purchases and utility payments Loss of income: Meeting financial obligations during the loss of work is very difficult, especially when a paycheck is not coming in. In a home where the expenses are shared, the consequences could be devastating if the healthy spouse is forced to stop working to care for the other.

5. In case of emergency Considering all of the daily financial obligations and necessities, where would your employees get money in case of an emergency stemming from an unexpected health event? Savings? Loans? Family members? You? That’s why more than 400,000 companies provide Aflac to their employees.* *Company statistics, December 2007.

6. Common characteristics of our insurance policies Employees collect the benefits check directly (unless specified otherwise). Policies are sold separately—when a claim is made, your employees can receive benefits from all applicable policies. Benefits are paid independently of other insurance. Renewal is guaranteed for life, as long as premiums are paid. We process the majority of claims in approximately four business days (Company statistics, December 2007).

7. Financial contribution Employees pay 100 percent of the premiums and own those policies.

8. I will help you to: Explain the benefits to your employees. Submit applications for processing policies. Complete forms to record changes (marriage, birth, death, divorce, etc.). Ensure the accuracy of invoices. Provide assistance during the claim process.

9. INFORMATION ABOUT AFLAC

10. Aflac is a company with a record of excellence and respect. A little bit about Aflac: Aflac was founded in 1955 in Columbus, Georgia. Aflac has top-notch credentials that include being rated 1 AA for its financial strength by Standard & Poor’s (June 2006), 2 Aa2 (Excellent) for its financial soundness as an insurance company by Moody’s Investors Service (January 2006), 3 and A+ (Superior) by A.M. Best (June 2007). 4 Aflac is a Fortune 500 company (No. 165, May 2008). 1 Ratings refer only to the overall financial status of Aflac and are not recommendations of specific policy provisions, rates, or practices. 2 Second of 21 levels. 3 Third of 21 levels. 4 Second of 16 levels.

11. MY RECOMMENDATION

12. Come Join us Provide Aflac to your employees and join the 400,000 companies that have enhanced their benefits with Aflac.* *Company statistics, December 2007.

13. THANK YOU! Laurie L Gardner 971-223-5166 [email_address]