Service Agreement 20

AflacforBusiness Our purpose is to add value to the over all compensation package for your employees by providing them access to benefits that will protect their most important assets. By adding Aflac to your existing benefits package you will have strengthened your business's ability to ATTRACT and RETAIN quality employees at NO COST to the company. We have tailor fit a program that COMPLIMENTS your existing benefit plan while also making available potential TAX SAVINGS through simple payroll deduction. Once the plan is in place we will STREAMLINE the billing and administration through access to industry leading technology. Our company's values call for us to strive for meaningful, enduring customer relationships characterized by SERVICE EXCELLENCE and the increased PEACE OF MIND of knowing that we will respond quickly when you need us!

{ }Group #

Aflac

We've Got You Under Our Wing!

Service Binder

AflacTable of Contents:

{ }1

{Service Agreement

Team}2

{ }3 What To Do When.....

Meet your Service California-SouthCoast Contact Information

{ Employee Deductions, Online Billing & Invoicing}4

{{ Cafeteria Plan Documents

(Section 125 Tax Information)}6

}{ Enrollment ResultsParticipation & Tax Savings Review

Salary Redirection AgreementsParticipation Waivers }5

7

Our new tag line "We've Got You Under Our Wing", reflects the spirit with which we view our commitment to customer service. It is an idea that is central to everything we are doing today and will continue to do going forward from this point. This phrase exemplifies our corporate values and symbolizes an awareness that we have a responsibility to provide unparalleled levels of service to policyholders and their employers at every point of contact.  Our goal through this focus is to build enduring customer relationships characterized by service excellence. If at any time, you feel that the service you have received does not meet these standards; we encourage you to contact a supervisor or, a member of the service team so that we can address your concerns. To ensure that we are exceeding your expectations we have established a standard that includes service visits throughout the year where the following items will be accomplished:

(Account Name)& Aflac California-SouthCoastThis is a servicing contract between

Service Agreement

Account Copy

Account Sponsor

Signature,

Signature,

Your Aflac Associate

}1{Welcome Aboard!

Review all available Products & Services

Handle any Billing & Invoice Inquiries

Answer any questions your employees may have about their existing coverage

Support & Assist with all Claims & Wellness Benefits Filing

Educate & Review Coverage with all NEW Employees

Review & Complete Service Calendar

Complete Initial Account Set Up

Fulfill Maintenance Check Ups

Review all available Products & Services

Handle any Billing & Invoice Inquiries

Answer any questions your employees may have about their existing coverage

Support & Assist with all Claims & Wellness Benefits Filing

Educate & Review Coverage with all NEW Employees

(Account Name)& Aflac California-SouthCoastThis is a servicing contract between

Service Agreement

AFLAC Copy

Account Sponsor

Signature,

Signature,

Your Aflac Associate

}1{

Review & Complete Service Calendar

Complete Initial Account Set Up

Fulfill Maintenance Check Ups

Welcome Aboard!

Our new tag line "We've Got You Under Our Wing", reflects the spirit with which we view our commitment to customer service. It is an idea that is central to everything we are doing today and will continue to do going forward from this point. This phrase exemplifies our corporate values and symbolizes an awareness that we have a responsibility to provide unparalleled levels of service to policyholders and their employers at every point of contact.  Our goal through this focus is to build enduring customer relationships characterized by service excellence. If at any time, you feel that the service you have received does not meet these standards; we encourage you to contact a supervisor or, a member of the service team so that we can address your concerns. To ensure that we are exceeding your expectations we have established a standard that includes service visits throughout the year where the following items will be accomplished:

Open Enrollment Month

1st Check Up:

Our commitment to service includes three quarterly visits along with an Open Enrollment every plan year. Your Aflac Representative will conduct these visits during the last month of each quarter: March, June, September or November/December. The Open Enrollment will be conducted the same month every year, typically the month prior to your account's plan effective date.

Quarterly Service Visits

Service Agreement}1{Initial Account Set Up

Date of 1st Deduction

Establish Online Billing

Reconcile1st Invoice

Facilitate Payment of 1st Invoice

Scheduled Completed

Ongoing Maintenance

2nd Check Up:

3rd Check Up:

Scheduled Completed

Annual Open Enrollment

Maintenance Calendar

Account Copy

Open Enrollment Strategy Meeting

Open Enrollment Month

1st Check Up:

Our commitment to service includes three quarterly visits along with an Open Enrollment every plan year. Your Aflac Representative will conduct these visits during the last month of each quarter: March, June, September or November/December. The Open Enrollment will be conducted the same month every year, typically the month prior to your account's plan effective date.

Quarterly Service Visits

Service Agreement}1{Initial Account Set Up

Date of 1st Deduction

Establish Online Billing

Reconcile1st Invoice

Facilitate Payment of 1st Invoice

Scheduled Completed

Ongoing Maintenance

2nd Check Up:

3rd Check Up:

Scheduled Completed

Annual Open Enrollment

Maintenance Calendar

AFLAC Copy

Open Enrollment Strategy Meeting

California SouthCoast

Service Team

Meet your Aflac

Your Aflac Servicing Associate:

It is our pleasure to have you as our new client! We stand by to assist you with anything you need whenever you may need it!

Welcome Aboard!

Contact Information

}2{

Your Aflac District Manager:

Your Aflac Regional Manager:Direct Line:

Direct Line:

Point of Service

Service Team Main Line:

Service Team Fax:

Aflac Incorporated, Worldwide Headquarters 1932 Wynnton Road, Columbus, Georgia 31999

WWHQ 1.800.99.AFLAC www.aflac.com Espanol 800.SI.AFLAC

We strive to take care of all matters within 24 hours! We look forward to a successful relationship for years to come.

{ 3} What To Do When.....

1. An Employee has a CLAIM:

Instruct the employees to call the Service Team and a member of the team will help initiate the CLAIMS Process with the employee.

2. You have a NEW HIRE:

You may contact the Service Team to inform us of any New Hires and we will provide them with the same level of service that is made available during Open Enrollment available to them. We will provide Quarterly Servicing Visits where we will be speaking to all New Hires at that time.

3. An employee SEPARATES from the company:

Since coverage is portable, contact the Service Team to initiate their option to continue their coverage. Should you require additional assistance to ensure that the invoice is reconciled to reflect these changes, do not hesitate to contact the Service Team for support.

4. An employee has a QUESTION about their COVERAGE:

The employee can visit our 24 hour online Policyholder Services at: www.aflac.com, where they can view their outline of coverage along with other information regarding their policies. You can also instruct the employee to call the Service Team and we will be happy to answer any questions they may have.

5. The Plan Administrator has a question regarding theDeductions, Invoice or Online Billing?

Call the Service Team and we will be happy to assist you!

For any AND all questions simply call the Service Team at: We are standing by and happy to help!

{ 4}

1st: YOU will receive a temporary log-in & password from Aflac in order for you to set up your account preferences, including new log-in & password, along with Online-Billing.

2nd: Every month Aflac will send you an e-mail notifying you that an invoice has been generated and is ready to be reconciled. You will need to use your log-in to view the invoice.

3rd: While viewing the invoice online you are also able to: reconcile and provide necessary changes in deductions due to employee separations etc...

4th: Upon completing the reconciliation, YOU can submit all changes and the payment online, all at once!

Employee Deduction Information:

The employee deductions are shown by your paycycle mode:

Original Effective Date:

Information pertaining to the 1st Open Enrollment Plan Year:

*1st Deduction Date:

*2nd Deduction Date:

Initial Plan Year Start:

Initial Plan Year End:

Online Billing & Invoice Explanation:

**Please see attached Employee Deduction Report**

All invoices that are generated reflect deductions that you have already withheld from each employee through a payroll deduction; this ensures that all funds that are remitted on a monthly basis are always available at the time of invoice.

**Insert Deduction Report**

{ 5}

**Please see attached Salary Redirection Agreements /Participation WAIVERS.**

Salary Redirection Agreements Participation Waivers

{ 6} Cafeteria Plan Documents(Section 125 Information)

**Please see attached Section 125 Plan Documents** Please keep these documents on file

Total Annual Elections:

Total Annual PRE-TAX Elections:

Employer Tax Savings Example

Employee Tax Savings Example

Enrollment Results }7{

Total Employees:

Employees Educated:

Employees Enrolled:

Employees NOT SEEN:

Employee Participation:

Company Participation

TAX SAVINGS Results

Estimated FICA Savings @ 7.65%

Estimated Tax Savings @ 25%

* Examples are for illustration purposes only *

Prospect Wish List

Profiled Prospect Contact Person Phone Number

The following businesses meet our prospect profile. Please identify any that you may know:

YES