MillerWade - Mastering Benefits, HR Consulting, and Golf Experiences

2. MillerWade – “Mastering Benefits” Specializing in: Group Benefit Planning Administrative & HR Consulting Services Business Plans Risk Management Consumer-Directed Healthcare Plans Senior Care Established in 1988

3. Utah Business Rankings Utah Business Magazine Ranking (Employee Group Benefits) 2001 - #4 2006 - #4 2002 - #3 2007 - #7 2003 - #4 2008 - #3 2004 - #32009 - #6 2005 - #3 2010 - #6

4. What is Our Agency Focus? Employee Group Benefit Products and Services HR Compliance & Training Exceptional Customer Service

5. Insurance Products Insurance Brokerage Services: Medical, Dental, Life, Disability, Long Term Care, Voluntary Supplemental, Gap Plans, Senior Care (Medicare Plans) Commercial Risk Management Services Including: Workers Compensation, Property & Casualty, Business Liability, Commercial Auto

6. Group Insurance Plans Medical Dental Life Disability Income Long Term Care Group Medicare Voluntary Supplemental Group Supplemental Gap Plans

7. Key Benefits of Supplemental Insurance Plans: Plan can be set up as Contributory or Voluntary Premiums can be paid “pre-tax” (in most cases) Benefits are paid direct to insured to help offset financial exposure not covered by insurance Enrollments processed through “state of art” call center “Best of Class” product offerings Types of Supplemental Insurance Plans: Hospitalization Plans (Medical Bridge) Accident Plans (on/off the job) Disability Income Plans (pay check protection) Cancer Plans Critical Illness Plans (Heart Attack, Stroke, Coma) Permanent or Term Life Supplemental Insurance

8. Group Benefit Services HR Programs (Set-up & Administration) Cafeteria Plans (FSA’s), HSA’s, HRA’s, COBRA, HIPAA Human Resource Consulting & Training Online HR Web Portal – Benefits Management, HR library, and Employee Database Payroll Services (ADP or HCS)

9. Wellness & Protection Plans Creative Employee Programs Corporate Wellness & Nutrition Programs MyDirectAccess Healthy Roads Bio-Metric Testing Patient Advocacy Services Pre-Paid Legal Services Identity Theft Protection Plans

10. Value Added Services • Ongoing Assistance • Group Benefit Training for EE’s • Claim Issues • Enrollment/Disenrollment Issues • Patient Advocacy • Online Benefit Portals • Administrative Services • Cafeteria Plans (incl. Flexible Spending Accounts) • COBRA Compliance • HRA & HSA Plan Creation/Implementation • Payroll Services • Human Resource Consulting & Training • Corporate Wellness Programs • Bio-Metric Testing/Health Fairs • Wellness Plan Creation/Support • MyDirectAccess • Healthy Roads • Insurance Services • Voluntary Supplemental Insurance Plans • Gap Plans • Personal Life & Disability Insurance • Senior Care (Medicare Plans and LTC) • Non-Qualified Employer Sponsored • Fringe Benefit Plans

11. Shop for lowest cost term life insurance 10, 15, 20, and 30 year level premium options are available Simplified application process Highest rated carriers available Disability and Children’s riders available Term Life Quoting Tool *Final rates subject to underwriting approval

12. What is Trust It? • Vision: Weave golf into business solutions and life experiences • Mission: Create exceptional life/golf experiences, lasting memories, and provide resourceful business solutions. • Purpose: Our clients, friends, and prospects benefit from our combined services. We value giving time, energy and resources to selected charities by giving back, building up, and brightening the lives of those we serve. “Mastering Life”

13. Our Focus: “The Masters” Golf Excursions Corporate/Charity Golf Event Planning Destinations/Get-a-Ways Golf Apparel & Equipment Golf, Business, & Life “Mastering Life”

14. The Masters Monday – Thursday Packages Friday – Sunday Packages Golf Adventures Dream Golf Destinations US Open Ryder Cup What are Trust It Excursions?

15. The Masters Excursion 2012 Masters At Augusta National Golf Club; Join a group of “Masters” fans and enjoy the festivities of golf’s most storied events. The Fader Invitational, and a myriad of activities take place during a week of golf, tradition and fun. Visit teamfader.com for details. “Mastering Life”

16. Exclusive Destinations for Clients • Get-a-Way Condo’s: • Turtle Bay, Hawaii (Oahu North shore) • Midway, Utah (15 minutes from world-class skiing) • St. George, Utah (golf, national parks & sunshine) • Newport Beach, CA and 49 World-wide resorts through Marriott Vacation Club • 9 Mexico locations through Mayan Palace Resorts • Hundreds of Other Resorts Available Worldwide “Mastering Life”

17. St. George, Utah Destination Stay in sunny Southern Utah and golf in the desert on manicured courses year-round. Also, enjoy some of the world’s finest National Parks and all that St. George has to offer like: The St. George Marathon, Ironman, the World Senior Games and a great Home Show. FaderDestinations are unique vacation get-a-ways for you to experience some of the world’s most beautiful settings. Settings where we hope you reach the highest potential in golf, business & life. We invite you to schedule your “Destination” with us today! Hawaii ∙ Newport Beach ∙ Mexico ∙ Midway ∙ St. George

18. Midway, Utah Destination Stay in beautiful “Little Switzerland” and golf in the summer. Winter months deliver a skiing paradise in nearby Park City, the home of Olympic caliber ski runs. FaderDestinations are unique vacation get-a-ways for you to experience some of the world’s most beautiful settings. Settings where we hope you reach the highest potential in golf, business & life. We invite you to schedule your “Destination” with us today! Hawaii ∙ Newport Beach ∙ Mexico ∙ Midway ∙ St. George

19. Turtle Bay, Hawaii Destination Enjoy a Hawaiian Destination at our Turtle Bay Resort Condo and experience the greatest beaches in the world on the North Shore of Oahu. FaderDestinations are unique vacation get-a-ways for you to experience some of the world’s most beautiful settings. Settings where we hope you reach the highest potential in golf, business & life. We invite you to schedule your “Destination” with us today! Hawaii ∙ Newport Beach ∙ Mexico ∙ Midway ∙ St. George

20. Newport Beach, CA Destination Enjoy Marriott's Newport Coast Villa…featuring a two Bedroom with 1 King, 1 Queen, 2 Sofa Beds, and a cozy balcony. We also have access to over 50 Marriott Vacation Club destinations throughout the world. FaderDestinations are unique vacation get-a-ways for you to experience some of the world’s most beautiful settings. Settings where we hope you reach the highest potential in golf, business & life. We invite you to schedule your “Destination” with us today! Hawaii ∙ Newport Beach ∙ Mexico ∙ Midway ∙ St. George

21. Mexico Destinations GRAND MAYAN PALACE RESORTS This is your invitation to vacation in: Acapulco, La Jolla De Cortes, Mazatlan, Nuevo Vallarta, Puerto Vallarta, Riviera Maya through the Fader Destination program. FaderDestinations are unique vacation get-a-ways for you to experience some of the world’s most beautiful settings. Settings where we hope you reach the highest potential in golf, business & life. We invite you to schedule your “Destination” with us today! Hawaii ∙ Newport Beach ∙ Mexico ∙ Midway ∙ St. George

22. Exclusive Gear & Apparel for Our Clients • Hats, Shirts, Visors • Gloves, Divot Repair Tools, Ball Markers, Tees • Head Covers, Putter Covers, Towels “Mastering Life”

23. Start Today!!! Let us help you SIMPLIFY the process of managing your insurance and group benefits. You can “trust” our Client for Life model will make a difference. Go to www.millerwade.com or www.trustit.us …for more information “Mastering Life”