E.L. HOLLINGSWORTH AND COMPANY 2017 Enrollment Event

E.L. HOLLINGSWORTH AND COMPANY 2017 Enrollment Event Available benefits: For a limited time, you have an opportunity to talk to a Benefit Representative by telephone. This salary based Benefit Counselor will be available to answer your questions about the Voluntary Benefits program, provide you with detailed rates and enroll you in the benefit plans of your choice. To enroll in any of the available benefits, simply call the toll-free number below. Don t miss your opportunity to enroll in these valuable benefit programs. Call today! Whole Life Accident Call Center Monday Friday 8:00 a.m. to 8:00 p.m. EST (800) 343-9042 Don t delay your enrollment period is open: November 14 th through November 23 rd 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. Insurance products are underwritten and services offered by the subsidiaries of Unum Group. CU-9052

E.L. Hollingsworth & Co. Whole Life Insurance Get lifetime coverage and useful cash benefits, too. Whole Life Insurance provides much more than a death benefit it also offers valuable living benefits that you can use during times of need. And you can keep your Whole Life coverage after you retire, making it an essential complement to Term Life. Whole Life provides a lifetime of coverage. Childhood (child policies) Young professional WHOLE LIFE INSURANCE TERM LIFE INSURANCE Mid-career Whole Life: Benefits for a lifetime Retirement (fixed income) What is Whole Life? Whole Life offers living benefits you can use when you need them, as well as a death benefit. What features are available? Cash value. This policy accumulates cash value.* You can borrow funds from this value as needed. Living benefit option rider. If you are diagnosed with a terminal illness, you can request up to 100% of your policy s benefit amount and use it for any purpose.** It includes a Long Term Care rider See your plan administrator for more information. How does it work? Your premiums are level for life. Premiums will be conveniently deducted from your paycheck. Your death benefit is level, too. The benefit does not decrease with age. You own the policy. You can keep the policy if you leave or retire. You ll pay the same premium. Three reasons to buy Whole Life at work now! Whole Life rates. The rates available through your employer are typically more affordable than those available elsewhere. Age-based premiums. Premiums are based on your age when you purchase, and don t increase as you get older. So the earlier you buy, the lower your premium will be for the life of your policy. Guaranteed issue. Generally available during the initial enrollment at your workplace. When it s offered to you, you can purchase coverage up to a set amount, without medical exams or health questions. If you don t purchase the maximum amount, you have the option to increase it up to that level during future enrollments no questions asked! # Premium payment options You may have two options for paying premiums: Lifetime premium. Coverage continues as long as you pay your premiums. Paid-up at 70. Available when purchased between the ages 15 and 50. Adjusts the premium so that the policy is fully paid up when you turn 70. Sample rates based on $25,000 benefit amount Issue age Lifetime premium Paid-up at 70 Weekly premium Guaranteed cash value at 65 Weekly premium Guaranteed cash value at 65 25 $ 4.19 $9,840 $ 4.91 $10,996 35 $ 6.44 $8,851 $ 7.76 $10,567 45 $10.79 $7,140 $13.92 $ 9,716 Sample non-tobacco user rates. Premium rates vary by age, coverage amount and tobacco use. For illustration purposes only. How to apply ) To learn more, watch for information from your employer. EN-1842 (9-16)

Get the coverage you need. Coverage options available Who can have it? What s the benefit amount? How long can they keep it? Individual employee coverage Ages 15 80 Individual spouse coverage Ages 15 80 Individual child coverage No employee or spouse purchase needed. Available to eligible children, stepchildren, legally adopted children and grandchildren (14 days until their 26th birthday) of the primary insured adult. Child Term Life Benefit With purchase of employee or spouse policy, available to eligible children, legally adopted children and stepchildren (14 days until their 25th birthday) of the primary insured adult. You can purchase coverage for as low as $3 a week (minimum benefit must be at least $2,000). Your actual benefit amount is based on the premium amount chosen and your age when your coverage is issued.+- Coverage is available for as low as $3 a week (minimum benefit must be at least $2,000). The spouse coverage amount cannot exceed the employee base coverage amount.+- You can purchase coverage for as low as $1 a week. Benefit amounts are based on the child s issue age and premium selected.+- $1,000 to $10,000 one rider covers all children. You can keep it as long as you want it. If you leave your employer, you would be billed directly at home. If you leave your employer, you can keep your spouse s policy and be billed directly at home. Your children can keep it, even if you leave your employer. You would be billed directly at home. Coverage ends when your policy ends or when children turn 25. At that time, children are guaranteed the right to buy an individual Whole Life policy at 5 times the amount of their rider. When you buy life insurance, you name the people who will receive the money from the policy when you die. These people are called beneficiaries. Unum will pay benefits to the beneficiaries in one lump sum; however, if a beneficiary is a minor (typically younger than 18, but this may vary by state) and no financial guardian has been appointed, the benefits will be paid to that minor through a Unum Retained Asset Account. A Unum Retained Asset Account is a fund held in Unum s general account for the named minor beneficiary. The account accrues interest regardless of Unum s actual investment performance, and, while not FDIC insured, the account funds are fully guaranteed by Unum. For more information about the retained asset account, please contact Unum. * The policy accumulates cash value based on a non-forfeiture interest rate of 4.5% and the 2001 CSO mortality table. The cash value is guaranteed and will be equal to the values shown in the policy. Cash value will be reduced by any outstanding loans against the policy. ** You can request an advance, up to 100% of your benefit amount up to $150,000 maximum if you are terminally ill and are expected to live 12 months or less. Your policy may include a long term care rider which allows you to use the death benefit to pay for long term care. You must have received long term care for 90 days. Subject to rider conditions. Coverage becomes effective the first day of the month your payment is deducted from your paycheck. If you leave your job, Unum will bill you directly. # If you increase your coverage later, you receive an additional policy for the increased amount. The premiums will be based on your age at the time you increase the coverage. +- Actual benefit amount is based on the employee or dependent s age when the coverage is issued. Employees must be U.S. citizens or legally authorized to work in the U.S. to receive coverage. Spouses and dependents must reside in the U.S. to receive coverage. Exclusion: Life Insurance benefits will not be paid for deaths caused by suicide. If within 24 months from the policy effective date, the insured commits suicide, whether sane or insane, Unum will not pay the death benefit. The amount payable by us in place of all other benefits, shall be the sum of premiums paid, without interest, less the sum of any debt and the cost of any riders. Termination of coverage: The policy will terminate on the earliest of the following: 1. written request by you to terminate the policy; 2. the insured dies; 3. the policy matures; or 4. the loan value exceeds the guaranteed cash value of this policy. Unum will provide coverage for a payable claim that occurs while you and your dependents are covered under the policy or plan. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee This information is not intended to be a complete description of the insurance coverage available. The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage please refer to policy form L-21848 and FUL-21848-NY or contact your Unum representative. Unum complies with all state civil union and domestic partner laws when applicable. unum.com 2016 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1842 (9-16) FOR EMPLOYEES

E.L. Hollingsworth & Co. Group Accident Insurance with wellness benefit If you have an accident, will it hurt your bank account too? Unum s accident insurance gives you something to fall back on. Life can take a tumble. With a full-time job and three active kids, Marsha has a lot of demands on her time and her pocketbook. So if her kids break something other than a window, she doesn t want an injury to break her bank account as well. Benefits that pay for covered accidents while you are on the road to recovery Unum s coverage provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need. Examples of covered injuries include: broken bones eye injuries burns ruptured discs torn ligaments concussion lacerations coma due to a covered injury Some covered expenses include: emergency room treatment occupational therapy outpatient surgery facility speech therapy doctor office visit chiropractic visit hospitalization physical therapy See the schedule of benefits for a full list of covered injuries and expenses. Who s at risk? Every 10 minutes, over 750 Americans suffer an injury severe enough to seek medical help. 1 Most injuries are not work-related and therefore not covered by workers compensation. 2 An illustrative example of how accident coverage can help you with your expenses 40-year-old claimant Accident: Fall at home Injury: Anterior Cruciate Ligament (ACL) tear (knee ligament injury) Out-of-pocket expenses incurred: Emergency room copay $100 Deductible 1,000 Coinsurance for surgery ($3,500 x 25%) 875 Copay for six physical therapy visits 120 Total out-of-pocket expenses: $2,095 Benefits paid: Emergency room visit $150 Appliance (knee brace) 100 Outpatient surgery facility service 300 Surgical ligament tear repair 800 Physical therapy sessions (6) 150 Total benefit paid under policy: $1,500 Costs of treatment and benefit amounts may vary. Example is based on the level 2 schedule of benefits. How to apply ) To learn more, watch for information from your employer. EN-1779 (7-16)

Get the coverage you need. Choose the coverage that s right for you. Your accident insurance plan can provide benefits for covered accidents that occur off the job. Accident insurance is offered to all eligible employees who are actively at work.* You decide if it s right for you and your family. The following benefits are automatically included in your plan: Wellness Benefit Based on the plan selected by your employer, this benefit can pay $50 per calendar year per insured individual if a covered health screening test is performed, including: Blood tests Chest X-rays Stress tests Mammograms Colonoscopies A full list of covered tests will be provided in your certificate. Four reasons to buy this coverage at work: 1. No health questions to answer. If you apply, you automatically receive this base plan. 2. This plan is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions. Unum will bill you directly. 3. Coverage becomes effective on the first day of the month in which payroll deductions begin. 4. Premiums are conveniently deducted from your paycheck. Additional coverage options Sickness Hospital Confinement Benefit Depending on your plan, your employer may have chosen to include this benefit or you may have the option to select it. This option pays a daily benefit if an insured employee, spouse or child is hospitalized for a covered illness. Based on the plan your employer selects, the amount you receive can be $100 per day. Children s coverage pays 75% of the employee amount. This benefit is available to family members who are covered by the base plan. There is an additional charge for this feature. The benefit includes a 12 month pre-existing condition limitation (varies by state). Employees and their spouses may need to answer certain health questions when applying for this benefit. Available family coverage Who can have it? Spouse coverage Child coverage Ages 17 to 64 Dependent children newborn until their 26th birthday, regardless of marital or student status. Employees must be U.S. citizens or legally authorized to work in the U.S. to receive coverage. Spouses and dependents must reside in the U.S. to receive coverage. My accident coverage Coverage plan chosen: Cost per pay period: Date deductions begin: $ / / (For your records complete during your enrollment) THIS IS A LIMITED POLICY. IMPORTANT NOTICE THE BASE POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS * Being actively at work means that on the day the employee applies for coverage, he/she must be working at one of his/her company s business locations, or at a location where he/she is required to represent the company. If applying for coverage on a day that is not a scheduled workday, the employee will be considered actively at work as of his/her last scheduled workday. Employees are not considered actively at work if they are on a leave of absence Some states may require individuals to have comprehensive medical coverage before purchasing Accident Insurance. 1,2 National Safety Council, Injury Facts (2015). Underwritten by: Unum Life Insurance Company of America, Portland, Maine The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations that may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. Unum complies with all state civil union and domestic partner laws when applicable. unum.com 2016 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1779 (7-16) FOR EMPLOYEES Off JOB PLAN