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Employee Group Insurance Renewals <br />October 3, 2011 <br />Page 2 <br />Life Insurance <br />Insurance Coverage Current Insurance Insurance Percent Change <br /> Rate Renewal Rate <br />Life Insurance $0.10 per $1000 $0.102 per $1000 2.0% <br />Accidental Death & $0.0285 per $1000 $0.020 per $1000 -29.8% <br />Dismemberment <br />Long-Term Disability <br />Group Coverage Current Insurance Insurance Percent Change <br /> Rate Renewal Rate <br />Management $0.57 per $100 $0.352 per $100 -38.2% <br />Employees $8.78 $8.78 0.0% <br />130 day wait <br />Employees $15.93 $15.93 0.0% <br />60 day wait <br />Dental Plans <br />The contract with Safeguard is up for renewal. Safeguard has agreed to renew our contract for a <br />period of one year with no rate increase. We are currently in the second year of a two-year <br />contract with Delta Dental, and there will be no rate increase. <br />Type of Coverage Safeguard Dental <br />Current Rate Safeguard Dental <br />Rate 2012 Percent <br />Change <br />Employee $25.28 $25.28 0.0% <br />Employee Plus Family $43.22 $43.22 0.0% <br />25A-2