Risk Management PLUS+ Online SM

1. Risk Management PLUS+ OnlineSM to help you reduce your exposure to employment-related lawsuits and achieve a safer and more productive workplace.

2. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Introducing Risk Management PLUS+ Online • Your comprehensive risk management and loss control program • devoted to employment practices. • St. Paul Travelers Bond, your risk management and loss control • partner, provides Risk Management PLUS+ Online at no additional • cost to insureds with the purchase of any of following insurance coverages: • — Employment Practices Liability • — Private Company Directors & Officers Liability • — Healthcare Directors & Officers Liability • — Not for Profit Directors & Officers Liability

3. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Risk Management PLUS+ Online Features: • Web-based training for the workplace • Weekly articles on current workplace issues • Model policies and forms • A resource library • Free employment practices hotline

4. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Web-based Training • Risk Management PLUS+ Online offers interactive online training 24 hours a day, seven days a week. • Preventing Sexual Harassment in the Workplace complies with California AB1825 & requirements of most other states. • Trainees can contact the trainer with their questions and comments via email.

5. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Training Modules Offered: • Best Practices for Preventing Sexual Harassment for Managers & Supervisors • Best Practices for Preventing Workplace Discrimination for Managers & Supervisors • Best Practices for Preventing Wrongful Termination in the Workplace • Best Practices for Promoting an Ethical Behavior in the Workplace

6. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM • Training Features: • Entertaining content • Pre and post-training questionnaires • Tracking of who has (and has not) completed training • Monitored progress of each trainee • Ability to print training text for future reference • Individualized training schedule • Regular bulletins to update material already learned

7. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Information & Consulting on Important Issues • Each week Risk Management PLUS+ Online posts news, information, and expert commentary on issues pertaining to the workplace. • Topics regularly covered include how to manage wrongdoing in the workplace; how to identify and lower your workplace risks; and how to continue to improve your workplace.

8. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Risk Management PLUS+ Online Offers an Extensive Library of Information on the Workplace to Help You and Your Managers

9. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Model Policies and Forms Risk Management PLUS+ Online provides model employment policies and forms for downloading or printing.

10. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Model Policies — Available in English and Spanish • Harassment free workplace • At-will policy • Ethics—conflict of interest • E-mail policy • Equal employment • Family medical leave Política Modelo para Centros Laborales Empleo a Voluntad Usted es un empleado a voluntad, y ninguna parte de este [memorándum, declaración, Manual de Empleados] constituirá un contrato que garantice empleo ni compensación por ningún plazo específico.

11. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Model Forms: Available for Download • Commendation • Reprimand • Application for Employment • Warning • Incident report • Exit Interview • Performance Review

12. Risk Management PLUS+ OnlineSM KNOWLEDGE VAULT • Your own resource center providing: • An online library of information and education • A database of checklists for self-evaluation of workplace best practices • Links to important federal and state sites for the workplace.

13. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Online Control Panel Allows: • Control by Site Administrator over which features individual users can access • Online training report viewing and generation by authorized personnel • Email notification of new articles • Secured registration for your employees • Self-registration for employees and supervisors • Online User Guide • Instant customer service links

14. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Free Employment Practices Hotline • Staffed by attorneys from the law firm of Jackson Lewis. • Receive free general guidance on employment issues.

15. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Renewal Premium Credits Are Available Customers with any of the following insurance policies may become eligible for up to a 10 percent credit on their next policy renewal with St. Paul Travelers Bond: — Employment Practices Liability — Private Company Directors & Officers Liability — Healthcare Directors & Officers Liability — Not for Profit Directors & Officers Liability

16. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Renewal Premium Credits Are Available Purchase and implementation of the following additional risk control programs can qualify a policyholder for the credit: • The Model Handbook • Handbook Review • Workplace Investigation Services

17. Risk Management PLUS+ OnlineSM Risk Management PLUS+ OnlineSM Renewal Premium Credits Are Available • To receive the credit, the policyholder must: • — purchase the additional risk management or risk • control products and/or services from The McCalmon Group, Inc., • — pay The McCalmon Group, Inc. in full for the products and/or services, and • — successfully implement the products and/or services. • Once payment has been received and implementation achieved, The McCalmon Group, Inc. will notify the policyholder and St. Paul Travelers Bond to confirm eligibility for the credit.

18. Risk Management PLUS+ OnlineSM The Risk Management PLUS+ Online Solution When you purchase eligible coverage from St. Paul Travelers Bond, you join other organizations across the country who are using Risk Management PLUS+ Online tools to minimize the risk of incidents that lead to costly employments litigation, and to generate safe and productive workplaces.