Crawford Advisors , LLC Reagan M. Crawford Novemember 28, 2012

1. CrawfordAdvisors, LLC Reagan M. Crawford Novemember 28, 2012 Consulting │ Administration │ Brokerage │ Communications │ Compliance

2. Consulting Brokerage Administration Advising • Founded in 1977 • 60 Health & Welfare Employees • All Services Provided In-House • CrawfordPublishingON-DEMAND™ • Fully-staffed Communications Department • Ready made templates • Custom benefit guides, new-hire kits • Total compensation statements • Newsletters, postcards, brochures • Mailing & fulfillment center • CrawfordHRSupport™ • Dedicated client services team • Liaison between HR & carriers • Onsite education meetings for OE • Resource for industry norms & external info • Information & reporting dashboard • CrawfordInternational™ • Local risk assessments & Country analysis • Plan design & procurement • Compliance Select™ • ERISA Attorney • Signature ready 5500s • Compliance checklist & calendar • Regulatory updates & guidance • COBRA, HIPAA, FMLA, ERISA, TEFRA/DEFRA, Sect 125, 105(h), 79, 152 • SMMs, SARs, SPDs, Benefit Guides • CrawfordConsulting™ • Plan design • Vendor management & marketing • Benchmarking • Full brokerage • Dedicated Advisory Board • CrawfordConnect™ • Web based enrollment • Branded employee portal • Online tools- 24/7 • Eligibility & billing administration • HR reporting • Employee self-serve • Consolidated electronic/paper billing • Mobile apps for Android and iPhone • AdminPRO™ • Full FSA, HRA (Med, Dep, Trans) • COBRA administration • Check issuance • Debit card • CrawfordFinancial Resource Center™ • Actuarial & underwriting team • Predictive Modeling™ • Multi-year contract guarantees • Claims utilization reporting • Disease management • CrawfordWellness Works™ • Wellness program analysis • Design, RFP and management • Metrics tracking and ROI guarantee negotiation • Customizable plans to fit culture & budget • CrawfordAcquisitionAssist™ • Diagnostic review & recommendation • Administrative and executive mediation • Turn-key employee benefits operation • 1-800-CRAWFORD NOW™ • Employee customer service center • Claims resolution • Dedicated 800 number and email • Liaison between employee & carrier

3. CrawfordAdvisors, LLC The Company We Keep CrawfordAdvisors, LLC

4. CrawfordConsulting™ Manage Costs and Improve Plan Performance • Outcomes: • Improve and enhance benefit offerings • Minimize future cost increases • Affordable employer funding at the right risk level • Optimal value-to-cost ratio • Renewal projection • Strategic plan design, funding arrangements and creative alternatives • Benchmarking – Are you normal? • Claims, cost and data analysis • Plan design and contribution modeling • Alternative funding analysis • Go- to market or not-to-market • Market testing (employee input) • Ongoing financial analysis – Dashboard ABC Company - Rolling 12 Month Report January 2009 - January 2012 ABC Company – Large Claim Analysis

5. CrawfordConnect™ Enrollment and Administrative Services Outcomes: Saves time and reduces the cost of open enrollment Employee self-service through online access to benefits and enrollment information Greater accuracy at a fraction of the time of paper enrollment • Web enrollment with bestfitPlan Advisor™ • Consolidated billing for all benefits • Eligibility administration and payroll transmissions • HR reporting • Employee self service throughout the year • FSA, HRA and COBRA services • Scanned documents can be retrieved within seconds Click for demo Your Logo

6. CrawfordPublishing ON-DEMAND™ Branded Communications Strategy, Graphic Design and Fulfillment Department • Outcomes: • Employees understand and appreciate their benefits • Messages that support other corporate objectives • Recruit and retain essential workforce talent • ‘Set and Forget’ • Reach employees across multiple mediums • Customized communications strategy • HR and benefits branding • Media selection and design • Printing, production and fulfillment • Benefits Guide • Enrollment Form • Newsletters • Benefits Branding • Total Compensation Statements Above average healthcare benefits Below average healthcare benefits With effective benefit communication 83.6%76.2% 25.7% 22.1% Without effective benefit communication The value an employee “perceives” in a benefits plancan either be enhanced or diminished by the communication strategy

7. CrawfordHR Support™ Extension of Your HR Department • Outcomes: • The Crawford Support Team is your problem solver • Full support whenever and wherever you need it • Access to information and report writing features • Service satisfaction is backed by performance standards • Dedicated account management client services team • Liaison between your HR Department & carriers • Monitors carrier service level • Coordinates and solves day-to-day activities • Onsite education meetings for Open Enrollment • Resource for industry norms & external information (benchmarking) • Information & reporting dashboard

8. 1-800-CRAWFORD NOW™ Employee Customer Service Center • Outcomes: • Answers employees questions • Personalized service with complete access to employee info • Free up HR Dept. to work on other, more productive projects • Employee concerns are eliminated • Dedicated employee advocacy center • Claims resolution • Liaison between employees & carriers • Dedicated toll free # and email address • Customer Service Representative Metrics: • Average Experience = 10 Years • Average Speed of Answer = 35 seconds, 98.5% serviced & resolved on first call

9. Compliance Select™ Complete ERISA and Compliance Department • Outcomes: • Worry-free compliance – all aspects, all issues are handled by CA, LLC • Ongoing support ensures you are always up-to-date • Compliance issues are eliminated • Health care reform issues are managed, start to finish • Health Care Reform Guidance • Client Webinars • Compliance calendar • Regular updates • Renewal strategy • Initial Compliance Audit • Plan Documents and SPDs • Benefit Booklets • Past 5500s and SARs • Ongoing Services • Day-to-day technical compliance questions • Signature ready 5500s and SARs • Notification of legislative changes • Newsletters and seminars

10. CrawfordWellness™ Design and Management of Employee Wellness Programs • Outcomes: • Health and productivity improvements • Engaged employees • Lower medical plan costs • Data tracking enables ongoing optimization of design and incentives • Data analytics to assess cost drivers • Health improvement strategy and plan design • Cost savings, culture change or both • Plan incentives and funding the cost • RFP process, evaluation and selection • Implement and establish performance metrics • Track employee engagement • Track metrics to evaluate performance and • measure ROI Claims by employees that participate in the wellness program and those that do not. Crawford Client Actual Results: Reducing plan costs by lowering the number of risk factors in the employee population.

11. Client Service Model Team of Dedicated Professionals to Ensure Program Optimization • Outcomes: • Daily, weekly, monthly client focused service – guaranteed by performance standards • Strategic benefits vision with focus on execution and ROI • Executable calendar complete with deadlines and responsible party assignments CrawfordPublishing ON DEMAND™ 1-800-CRAWFORD NOW™ CrawfordFinancial ResourceCenter™ CrawfordHR Support™ Compliance Select™ CrawfordConsulting™ x2 x 2 x 2 • Crawford Advisors' representatives working on Sun Automation ≈ 8

12. Wow! You guys are good! - Trex Fantastic!! You made my day. You have been so helpful and a pleasure to work with. - Choice Hotels Thank you again. I find it truly amazing…Crawford is just awesome & friendly to work with. - Allison Transmission Thanks for the quick response and for answering all of my questions. You’re the best…so knowledgeable & responsive!!! - Jos. A. Bank You ARE the BEST of the BEST! Thank you so much!!!!!!!!!!!!!! - Penske With Crawford Advisors, we can keep our focus where it needs to be and we don’t have to worry about our benefits program. Everything they do, no matter what we need, is handled smoothly, without a hitch. That is a big load off our minds and greatly appreciated by our entire staff. - Pizza Hut Next Steps: Broker of Record Data collection Whiteboard session Strategy Execution 200 International Circle, Suite 4500, Hunt Valley, MD 21031 1 (800) 451-8519 www.crawfordadvisors.com