PRODUCT DEVELOPMENT & MANAGEMENT

Affinity Group Underwriters (AGU) has been developing and managing specialty accident & health and life insurance programs since 1997. As a managing underwriter, AGU is an extension of our insurance company partners. We are engaged in the design, underwriting, enrollment, administration and management of customized benefit plans.

Our affiliated administrative operation, Towers Administrators, is licensed nationwide as a third-party administrator.

AGU was founded in 1997 by former executives of major association group insurance carriers. Towers has been in the association administration business since 1966. The principals and staff of both companies have extensive and diverse experience in the insurance business in general and the affinity group business in particular.

California License: 0C48678

For more information, go to: www.agu.net

Affinity Brokers & Consultants is a wholesale insurance marketing organization working with brokers nationwide to distribute specialty accident & health, life and non-insurance member and employee benefit products, underwritten by AGU and other companies.

For more information, go to: www.affbc.com

ACE American Insurance Company, part of the ACE Group of Companies, underwrites the majority of the insured benefits for the Tmed+ limited medical plan. ACE enjoys excellent ratings from the major insurance company rating services:

• A.M Best A+
• Standard & Poor’s A+
• Moody’s A2
• Fitch A+

These ratings are an indication of the company’s financial strength and ability to meet its obligations to customers.

As a global insurance leader, with nearly $78 billion in assets, ACE leverages its unique strengths and broad expertise to deliver specialty insurance coverages to a diverse base of clients worldwide. ACE’s capital now totals more than $19 billion providing the necessary financial strength to ensure its clients that the necessary resources will be there when it comes time to make a claim.

ACE Limited is the Swiss-incorporated parent company of the ACE Group of Companies, one of the world's leading providers of insurance and reinsurance. The ACE Group provides a diversified range of products and services to clients with operations in more than 53 countries and customers in over 170 countries around the world.

ACE USA Accident & Health is a marketing division of ACE USA, headquartered in Philadelphia, PA.

ACE American Insurance Company, the primary ACE underwriting company for accident and health insurance in the U.S., is part of The ACE Group of Companies, headed by ACE Limited (NYSE: ACE). For more information about ACE, go to the corporate website at www.acelimited.com. The most recent ACE quarterly or annual report can be obtained from this website.

For more information on ACE USA Accident & Health products and services, go to:

www.aceaccidentandhealth.com.