ADDENDUM NUMBER 2. Question 1: Do you happen to have current supplemental life elections and volumes? Answer: See attached

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1 Group Basic Life and AD&D Plan Managerial Voluntary Life and AD&D Plan Short-Term Disability Long-Term Disability Cash Value Payroll Deduction Life Insurance RFP # RFP Due: July 16, 02:45 PM July 06, 2015 ADDENDUM NUMBER 2 The following items are issued to add to, modify, and/or clarify the Contract Documents and Specifications. These items shall have become a part of, and have full force and effect of the Contract Documents and all costs and time involved to comply with said addendum shall be included in the Bid Price. Description of change: I. Revisions to RFP Plans II. Revisions to RFP Specifications III. Responses to BID RFI s Question 1: Do you happen to have current supplemental life elections and volumes? Answer: See attached 5581 W. Oakland Park Blvd. Lauderhill, FL PH: FAX:

2 Attachment Employee Census xls Renewable Life Insurance Whole Life Insurance Long Term Care I/we have read the addendum/ Signature Date PLEASE RETURN THIS ADDENDUM WITH YOUR BID

3 Renewable term life insurance What would your loved ones do without you? Unum s renewable term life insurance can help. Protect the future for those you love. Abby and Joe just finished building their dream home. It s their baby, and baby has a big 20-year mortgage. If something should happen to Abby, she wants Joe to have great memories and go on with his life. She doesn t want him to have to move out of their home. What happens after you re gone? Many families have financial concerns 40 % of households with minor children say they would immediately have trouble meeting everyday living expenses if the primary breadwinner died.1 $??? Three reasons to buy this coverage at work now 1. You get affordable rates when you buy this policy through your employer, and the premiums are conveniently deducted from your paycheck. 2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount. 3. Coverage is effective on the first day of the month in which payroll deductions begin. MY W ORKSHEET (This may help you decide how much coverage you need.) Outstanding debt How much will be left for your family to pay? Mortgage balance Other debt (credit cards, loans, car payment) Ongoing expenses How much do your dependents need each year? Utilities (electric, phone, cable, Internet) Medical costs, insurance Food, clothing, gasoline Savings contributions (retirement) Future plans How much will your loved ones need for the future? College Other (retirement, long term care) GRAND Subtract existing coverage Consider adding this amount of life insurance How to apply ) To learn more, watch for information from your employer. EN-1081 (4-11)

4 Get the coverage you need. Renewable term life insurance is offered to all eligible employees, ages 15 to 70, 2 who are actively at work. You decide if it s right for you and your family. Four features that add value 1. Adds more coverage that s affordable If you have a basic term life policy through your job, you have some coverage, but it may not be enough for your needs. You can buy this life insurance at an affordable premium that is fixed and guaranteed for 10 years, with an additional 10-year period at guaranteed rates, based on your age at issue. 2. Provides a living benefit option This rider is automatically included on employee and spouse stand-alone policies at no additional premium. Policy owners diagnosed with a terminal illness limiting life expectancy to 12 months* or less can request a benefit advance and may receive up to 75% of the policy s face amount, to a maximum of $150, Requires no physical exam During initial enrollment, you can get this insurance up to a specified amount without taking a health exam. You may be asked a few questions. 4. Can convert to a cash value policy 3 You can convert this policy to a cash value life insurance policy any time before your 75th birthday. Additional coverage option Your employer may make the following option available to you and/or your spouse, for an additional premium: Accidental death benefit Provides an additional death benefit equal to the face amount of the base policy. The benefit is paid (to a maximum of $150,000) if the death is a result of an accident before age 70, as defined in the policy. In addition, it increases by 25% if the covered person dies as a result of an automobile accident (noncommercial) while wearing a seat belt. Available family coverage Who can have it? Spouse 10/10 policy Age Spouse 20-year Rider Age What s the benefit amount? $50,000 maximum $25,000 maximum Child Rider With purchase of employee or spouse policy, this rider is available to eligible children, stepchildren, legally adopted children and grandchildren of the primary insured adult, age 14 days through 24 years. $1,000 to $10,000 one rider covers all children. My term life coverage Amount I applied for: Cost per pay period: Date deductions begin: / / (For your records complete during your enrollment) *Benefits vary by state. Spouses may be covered under the Spouse policy or rider, but not both. 1 LIMRA, Trends in Life Insurance Ownership, August 30, In WA, coverage is limited to The policy cannot be converted while premiums are being waived or if any portion of the death benefit has been paid in advance. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which 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. Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN unum.com 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1081 (4-11) FOR EMPLOYEES

5 Renewable term life insurance What would your loved ones do without you? Unum s renewable term life insurance can help. Protect the future for those you love. Abby and Joe just finished building their dream home. It s their baby, and baby has a big 20-year mortgage. If something should happen to Abby, she wants Joe to have great memories and go on with his life. She doesn t want him to have to move out of their home. What happens after you re gone? Many families have financial concerns 40 % of households with minor children say they would immediately have trouble meeting everyday living expenses if the primary breadwinner died.1 $??? Three reasons to buy this coverage at work now 1. You get affordable rates when you buy this policy through your employer, and the premiums are conveniently deducted from your paycheck. 2. You own the policy so you can keep it even if you leave the company or retire. Unum will bill you directly for the same premium amount. 3. Coverage is effective on the first day of the month in which payroll deductions begin. MY W ORKSHEET (This may help you decide how much coverage you need.) Outstanding debt How much will be left for your family to pay? Mortgage balance Other debt (credit cards, loans, car payment) Ongoing expenses How much do your dependents need each year? Utilities (electric, phone, cable, Internet) Medical costs, insurance Food, clothing, gasoline Savings contributions (retirement) Future plans How much will your loved ones need for the future? College Other (retirement, long term care) GRAND Subtract existing coverage Consider adding this amount of life insurance How to apply ) To learn more, watch for information from your employer. EN-1081 (4-11)

6 Get the coverage you need. Renewable term life insurance is offered to all eligible employees, ages 15 to 70, 2 who are actively at work. You decide if it s right for you and your family. Four features that add value 1. Adds more coverage that s affordable If you have a basic term life policy through your job, you have some coverage, but it may not be enough for your needs. You can buy this life insurance at an affordable premium that is fixed and guaranteed for 10 years, with an additional 10-year period at guaranteed rates, based on your age at issue. 2. Provides a living benefit option This rider is automatically included on employee and spouse stand-alone policies at no additional premium. Policy owners diagnosed with a terminal illness limiting life expectancy to 12 months* or less can request a benefit advance and may receive up to 75% of the policy s face amount, to a maximum of $150, Requires no physical exam During initial enrollment, you can get this insurance up to a specified amount without taking a health exam. You may be asked a few questions. 4. Can convert to a cash value policy 3 You can convert this policy to a cash value life insurance policy any time before your 75th birthday. Additional coverage option Your employer may make the following option available to you and/or your spouse, for an additional premium: Accidental death benefit Provides an additional death benefit equal to the face amount of the base policy. The benefit is paid (to a maximum of $150,000) if the death is a result of an accident before age 70, as defined in the policy. In addition, it increases by 25% if the covered person dies as a result of an automobile accident (noncommercial) while wearing a seat belt. Available family coverage Who can have it? Spouse 10/10 policy Age Spouse 20-year Rider Age What s the benefit amount? $50,000 maximum $25,000 maximum Child Rider With purchase of employee or spouse policy, this rider is available to eligible children, stepchildren, legally adopted children and grandchildren of the primary insured adult, age 14 days through 24 years. $1,000 to $10,000 one rider covers all children. My term life coverage Amount I applied for: Cost per pay period: Date deductions begin: / / (For your records complete during your enrollment) *Benefits vary by state. Spouses may be covered under the Spouse policy or rider, but not both. 1 LIMRA, Trends in Life Insurance Ownership, August 30, In WA, coverage is limited to The policy cannot be converted while premiums are being waived or if any portion of the death benefit has been paid in advance. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which 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. Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN unum.com 2011 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1081 (4-11) FOR EMPLOYEES

7 Long Term Care Insurance Rider Provident Life and Accident Insurance Company (Unum) If you weather a serious disability, could your finances ride out the storm? Our Long Term Care (LTC) Insurance Rider may help you protect your savings. Protecting long term plans Marcia s savings are modest, but she s worked hard for every penny. She wants to travel to Italy, pay for her daughter s wedding, and leave something behind for those she loves. But she s seen how quickly the cost of long term care may deplete a lifetime of savings. She wants to make sure a traumatic accident or illness won t scramble her nest egg. How long term care benefits work This is an example of how this LTC Insurance Rider may help you finance a period of long term care if you are chronically ill. This illustration is based on an insured individual who has a $25,000 life insurance policy.* HIGHLIGHTS BASE RIDER Employer selected Benefits for the long haul Thanks to modern medicine, people are now living longer and surviving very serious health problems. But that may mean long-term treatment in a nursing home or assisted living facility. And the same care that saves your life may devastate your savings. You may be surprised to learn that this care isn t covered by health or other insurance policies. Or that waiting for later to buy a long term care policy may make things worse. In fact, the younger you are, the less expensive this coverage is. By adding a Long Term Care Insurance Rider to your life insurance policy, you may help protect your savings pool from the drain of this expensive care. Most importantly, this coverage allows you to use the benefit whether you receive care at home, in a long term care facility, an assisted living facility, an adult day care, or in a nursing home. How to apply ) To learn more, watch for information from your employer. LTC pays 6% monthly benefit for either LTC facility benefit or assisted living facility benefit. LTC pays 4% monthly benefit for home health care or adult day care. $1,500 per month $1,000 per month Payments reduce the death benefit until exhausted (approximately 16 months). * Assumes there are no outstanding policy loans. EN-1696-FL (8-13)

8 Get the coverage you need. Here are the advantages of our Long Term Care Insurance Rider: Available at initial offering to employees and spouses ages 15 to 70. All newly eligible adult policies will automatically receive the Long Term Care Insurance Rider. Available with policy s specified amount (face amount) of at least $10,000. For long term care facility, nursing home care or assisted living facility, provides a maximum monthly benefit that is the lesser of: 6% of the death benefit, less any policy debt at the end of the waiting period, or $3,000. For home health care or adult day care, provides a maximum monthly benefit that is the lesser of: 4% of the death benefit, less any policy debt at the end of the waiting period; your actual monthly expenses; or $1,500. Benefits are payable once you have been receiving long term care for 90 days, subject to the conditions of the rider. If you are receiving benefits, you don t have to pay the policy s monthly premiums, even if your policy does not have the Waiver of Premium Rider. The benefit period maximum is 100% of the death benefit, less any policy debt at the end of the waiting period for each benefit period. The cost is based on your age at issue and whether you use tobacco. The rider is tax-qualified, which means that any benefits you receive will not be taxed.** For whole life coverage, the following option may be available for employees and spouses age 15 50: You can pay an adjusted premium, so your policy will be paidup by age 70. Your life coverage and long term care coverage will continue as long as you keep your life policy. Exclusions This rider does not pay benefits for confinement or services provided to a chronically ill insured individual: 1. Due to mental or nervous disorders; however, Alzheimer s disease and related degenerative and dementing illnesses are covered; 2. Due to alcoholism or drug addiction; 3. Resulting from: War or any act of war, whether declared or undeclared, or service in any armed forces or auxiliary units there to. Losses as a result of acts of terrorism committed by individuals or groups will not be excluded from coverage unless the insured individual who suffered the loss committed the act of terrorism; Intentionally self-inflicted injuries or attempted suicide; Participation in a felony, riot or insurrection; and Aviation (if a non-fare paying passenger); 4. For which there is no charge in the absence of insurance; and 5. Provided by a family member. See your outline of coverage for additional details. ** Under current tax laws. Underwritten by: Provident Life and Accident Insurance Company, Chattanooga, Tennessee Unum complies with all state civil union and domestic partner laws when applicable. This information is not intended to be a complete description of the insurance coverage available. The coverage may vary or be EN-1696-FL (8-13) FOR EMPLOYEES unavailable in some states. The coverage has exclusions and limitations that may affect any benefits payable. For complete details of coverage and availability, please refer to the long term care rider and to policy form L-21848, L , L or contact your Unum representative. unum.com 2013 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.