National Legal & Research Group

1. National Legal & Research Group Jay M. Kirschbaum Frances K. Horn

2. National Legal & Research Group • Group of attorneys and paraprofessionals • Consulting and sales support resource for Willis HRH benefits professionals • Bring expertise to middle-market clients • Provide information about employee benefits issues - welfare, and fringe benefits • Legislative contacts and federal agency relationships

3. National Legal & Research Group • Jay M. Kirschbaum, JD, LLM • Co-National Practice Leader • St. Louis • 314-854-0243 • Frances K. Horn, JD • Co-National Practice Leader • Pittsburgh • 412-645-8551

4. National Legal & Research Group • St. Louis • Dennis G. Fiszer, JD 314-854-0260 • Elizabeth E. Vollmar, JD 314-854-0264 • Rebecca Knoll Lawrence, JD 314-854-0270 • Tobie Dobin 314-889-1897 • Sandy Dobin-Schwartzburt 314-889-1892 • Debbie Hoef 618-624-2707 • (Annual Reporting Center)

5. National Legal & Research Group • Philadelphia • Maureen E. Gammon, JD 610-254-7476 • Gail Arnold 610-254-7474 • (Annual Reporting Center) • Atlanta • David S. Mohl, JD 404-224-5155

6. Best of Both Worlds • Willis HRH: AskNLRG@willis.com • Willis: Employee.Benefts.LRG.Mailbox@willis.com • HRH: AskFrances@hrh.com

7. Services • Provide answers to clients’ and prospects’ issues through clear, concise guidance • Provide updates on employee benefits and developments to the employee benefits field as well as clients and prospects • Educate Willis HRH employee benefit professionals, clients and prospects about benefit issues • Assist employee benefit professionals in the sales process and widen the value gap for Willis HRH services

8. Services (cont.) Training • Internal for employee benefit professionals (Formerly HRH Professional Development Series) • Replay versions of the training sessions will be available on the Willis intranet and HRH InfoSourceEB • Client and prospect live seminars and webinars on a wide variety of topics • Respective invitations will be sent for the remaining 2008 scheduled webinars Updated on-line Compliance Manual for Clients • Willis client portal

9. Services (cont.) • Frequently Asked Questions • Willis EB intranet and HRH InfoSourceEB Draft Educational Communication Publications • Monthly Client Newsletter • Employee Benefit Alerts provided as warranted • Email blasts providing “first responder” type information generally followed by an Alert or Newsletter article (Willis “News Flash” and HRH EB email) • Benefit Briefs • Weekly newsletter for the benefit and internal use only of employee benefit professionals

10. Client/Prospect Services • Limited drafting of documents • Limited review of documents • Prospecting assistance and guidance determined by number of client employees

11. Client/Prospect Services • Annual Reporting Center (formerly Willis Government Filing Center) • Signature ready Form 5500 preparation for fully insured plans and unfunded self insured plans • Includes applicable schedules • Includes Delinquent Filer Voluntary Compliance • Office costs

12. Client/Prospect Services • Compliance Audits • HIPAA Privacy Audits • Plan Documents and SPDs • Produced by law firm with direct relationship to client • Not a sample or model “to be reviewed by legal counsel” • Contact Rebecca Lawrence

13. NLRG – Services

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18. How We Deliver Our Services • Assistance for clients provided by telephone and e-mail • Live seminars • Travel costs charged to office • Based on NLRG scheduling • Webcasts • Self serve website

19. Best of Both Worlds • Willis HRH- National Legal & Research Group (NLRG) • Willis - Legal & Research Group (LRG) • HRH- Legal and Compliance • Willis HRH - HR and Employee Benefits Newsletter • Willis- HR Focus • HRH-Employee Benefits Newsletter • Willis HRH - Annual Reporting Center • Willis- Government Reporting Center

20. The Willis HRH NLRG looks forward to assisting you, your clients and prospects.