Reliance Standard Employee Benefit Booklet Program

1. Reliance Standard Employee Benefit Booklet Program

2. Why This Program Is Important To You Offers a non-price differentiator sales tool • Close new accounts – benefit communication is important to your clients • Retain clients – benefit booklets are an annual service that is required by many HR Directors • RSL Employee Benefit Booklet Program will help you build stronger relationships with clients Increases your value to current and prospective clients • This program helps your client succeed in their job of recruiting and retaining high-quality employees • Good benefits communication improves employees satisfaction • Clients will be dependent on the booklet support, and won’t go back to their old piecemeal benefit communications Increases value of RSL to current and prospective brokers • Attract and retain top brokers with the RSL Employee Benefit Booklet product • Help current brokers attain and retain clients • Enhance RSL competitive preference with broker(s) Increases RSL broker value to clients • RSL brokers will have a product to assist them in their sales efforts • RSL brokers have a program that saves the client money in communication budgets Easy to implement • YBR Design manages booklet creation directly with the client • RSL manager and/or broker are provided frequent project updates

3. Example RSL Employee Benefits Booklet Program Deliverable A few pages from a 40-page booklet

4. Why Employee Benefit Booklets are Important to Clients • Employers spend a great deal of time and financial resources ensuring employees receive competitive employee benefits. • Employee benefits are a key component to recruiting and retaining the highest quality employees.  • Employee benefits are often “under communicated” to employees: • Only 29% of employees gave their employer benefits communication a positive rating.* • 90% of employees who said that they received effective benefit communication say that their employer values their work.* • A well-designed employee benefit booklet communicates to employees the investment made to protect them and says to each employee “We Value You!”. • Quality benefits education through a well-designed benefit booklet is a low-cost, high-impact way for a company to affect employee satisfaction by showing the great deal of time and financial resources a company makes to protect, recruit and retain the highest quality employees. • Many clients will have poor benefit communication pieces. • * Harris Interactive online survey of 1,106 working adults (not self-employed) during December 2009.

5. Facts About Employee Benefits and Benefits Communicationin Today's Workplace

6. Some Questions About Employees? Do you think that our economic recovery will affect your employee retention? 36% of all employees say that if it’s their choice, they’ll be working somewhere else next year!* Would it surprise you to find out that the vast majority of employees do not have a good understanding of their benefits? Do you know what percent of your employees total compensation is in paid benefits? Did you know that effective benefits communication correlates directly with employee job satisfaction? Employee benefits and benefits communication are important topics for the successful HR manager. * GfK Custom Research Study of Employee Benefits Trends 2010. Sample size 1,412 full time employees.

7. Employers Viewpoint About Benefit Communications According to a 2010 survey, only 30% of employers say that employees are satisfied with their benefit communications.* Under 19% of employers think that employees have a good benefit understanding.* 23% of employers say that employees view their benefit communications as “weak.”* About Benefits Company paid employee benefits are 30-40% of an employee’s total compensation.* Only 43% of employers say that employees are satisfied with their benefits.* * Harvard Business Review online survey of 394 individuals who were benefits and HR decision makers during June/July 2010.

8. Employees Viewpoint • Only 29% of employees gave their employer’s benefits communication a positive rating.* • As employee perception of the quality of benefits education declined, employees gave their employers: • lower opinions of their overall benefit package.* • a lower rating as a place to work.* • There is a strong connection between the quality of benefits education and employee perception of their workplace.* • The good news is that among full-time and part-time employees who said that they received effective benefit communications: • 90% say their employer values their work.* • 88% of employees also say they are satisfied with their job.* • Quality benefits education is a low-cost, high-impact way to affect employee satisfaction. * Harris Interactive online survey of 1,106 working adults (not self-employed) during December 2009.

9. RSL Employee Benefit Booklets

10. How to Implement the Program for Your Clients • If you think that you have a prospective or existing client that may strongly benefit from the RSL Employee Benefit Booklet Program, please contact Reliance Standard Sales Manager for approvals. • Once approved please contact YBR Design. • YBR Design will provide a letter of understanding to you and the client and then begin establishing project details, such as HR and Marketing client contacts and initiate the project. • Project timing is directly dependent on time required to gather needed assets and client approval timing. A well managed project can be completed in 15-20 business days. Bill Shadrach, CEOOffice Phone: (801) 747-2540Direct Line: (801) 747-2784Mobile: (801) 414-1925Email: Bill@YBRdesign.com

11. Summary of the Creation of the Booklet

12. Summary of the Creation of the Booklet

13. Actively Updated Project Flow Document That is Sent by YBR Design to RSL Manager/Broker and Client

14. Actively Updated Project Flow Document That is Sent by YBR Design to RSL Manager/Broker and Client

15. RSL Employee Benefit Booklet Deliverables • 32-page Employee Benefit Booklet (4-page cover + 28-page inside) • Client will receive three cover and page layout design options from which to choose, all of which will comply with the clients branding standards. • Client will choose their favorite design and YBR Design will make one round of refinements to that design. • YBR Design will input and format all existing, updated or new content that the client wishes to have included in the benefit booklet (medical, dental, life and more). • The client and RSL manager/broker will be provided project reviews and approvals throughout the process. • Once completed and approved, YBR Design will send locked .pdf files ready to mount digitally and/or files prepared to go to the printer. • Each year, YBR Design will update the client’s materials for their new benefit year. • Purchase of outside images or printing is not included. • The program is for one active employee benefit booklet only. Benefit books for departing or departed employees (COBRA), retirees or other "non-active" employees are separate projects.

16. A Booklet for Your Organization Booklets will be 8.5x11” portrait pages printed front and back and formed out of a 17x11” sheet. Each large sheet creates 4 pages, folded and stapled. The cover will be 4 pages and may be printed front and back if actual printing is sought by the client organization. Total booklet pages include 4 cover pages, Front cover, inside front cover, inside back cover and back cover and inside pages in groups of 4. Smallest recommended size is 16 pages. Average Market Price based on $250 per page and a $1000 fixed cost. Depending on the market, the price per page varies. Pricing in New York will be different than in Boise. From our experience, $250 per page is near the middle. Booklet pricing for design only and for one active employee benefit booklet only. Benefit booklets for departing or departed employees (COBRA), retirees or other "non-active" employees are separate projects. Pricing does not include printing, shipping or stock photo acquisition. Your total cost is for one booklet design each benefit year while you are insured through Reliance Standard. This pricing will continue during the initial guaranteed rate period.

17. Program Summary • The RSL Benefit Booklet Program: • Is a strong, non-price differentiator sales tool • Increases your value to current and prospective clients • Increases value of RSL to current and prospective brokers • Increases RSL broker value to clients • Is easy to implement • Sales tool belt support items available online anytime: • Unbranded PowerPoint for client presentation (ready to cut and paste into your branded presentations and proposals) • Example of a complete employee benefit booklet – ready for printing • Useful employee benefit research statistics • http://www.ybrdesign.com/rsli-sales-tool-belt/ / (password: ybr_2011 ) • Create the difference today: • Contact Reliance Standard Sales Manager for approvals, once approved contact, YBR Design.

18. Contact Information YBR Design Bill Shadrach, CEOOffice Phone: (801) 747-2540Direct Line: (801) 747-2784Mobile: (801) 414-1925Email: Bill@YBRdesign.com www.YBRdesign.com