More than 1,000 customers and 35,000 users worldwide depend on CS STARS TM solutions.

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1 The industry s leading provider of software and services for managing claims, insurance, and risk

2 More than 1,000 customers and 35,000 users worldwide depend on CS STARS TM solutions. CS STARS delivers solutions that help clients use technology to manage the information and workfl ow associated with risk and claims management. The industry's longeststanding software technology provider, CS STARS offers products and services that have evolved over four decades to support continuously changing industry, legislative, and marketplace requirements. Our Web-based solutions are built with modern technologies, providing long-term value, performance, and peak usability. We believe our success is achieved by joining forces with our customers understanding business requirements, sharing knowledge, and collaborating to help each client maximize its technology investment. MANY GLOBAL FORTUNE 500 COMPANIES DEPEND ON CS STARS TM SOLUTIONS

3 Expertise Software Development Professionals STARS TM Enterprise TM, CS STARS core application platform, was built for the Web using the Microsoft.NET TM framework. This fully Internet-based platform provides the underpinning for all CS STARS applications, employing the latest development strategies and innovative architecture to deliver enhanced accessibility, performance, and extensibility. To provide maximum fl exibility, CS STARS solutions can be hosted by CS STARS or installed locally. Market Leadership Since 1967, CS STARS has been a leading provider of risk and claims technology. We listen to our customers and invest $10 million annually in new product development to ensure that our client s challenges are met with innovative and effective products and services. Our award-winning solutions consistently satisfy our customers demand for best-in-class features, architecture, usability, and security. Customer Focus More than a software provider, CS STARS delivers professional, reliable service through a team of industry and technology experts dedicated to helping customers maximize their technology investment. Our customers are able to leverage the knowledge gained from thousands of successful system installations in more than 30 countries. Our proven implementation models give customers a head start by providing predefi ned specifi cations that expedite delivery of a solution closely aligned with their business needs. Data Specialists CS STARS leads the industry in delivering data conversion and integration services that support risk management and claims operations. With tools and services designed to improve the quality and timeliness of data, we complete more than 1,000 data conversions annually and process claims records from more than 400 different sources. Trusted IT Infrastructure To help clients reduce IT expense, improve access, and protect critical data, CS STARS' offers services through our own dedicated, state-of-the-art data center. Leveraging best practices in facility design and technology, our data center supports network traffi c speeds of up to 1,000 megabytes/ second and can store in excess of 40 terabytes of data. CS STARS software, infrastructure, and business protocols have all been designed to safeguard clients' data and to ensure protection from unauthorized access. Independently tested for security, our solutions have been audited under SAS 70 and comply with the control standards of COBIT 4.0, ISO 17799, and ITIL. OUR SOLUTIONS HELP ORGANIZATIONS IMPROVE BUSINESS PROCESSES, MANAGE COSTS AND REDUCE RISK

4 Customers Corporations CS STARS delivers innovative, fl exible software and services that help corporations consolidate risk data; manage claims, incidents, and events; perform business audits and compliance assessments; and identify and report cost drivers. Our solutions are tailored to client's specifi c needs to support efforts by risk managers, claims administrators, health and safety managers and compliance offi cers to manage, monitor and control risk costs. Insurers CS STARS provides solutions that support the entire claims life cycle from claims reporting to claims management and medical bill reimbursement and help insurers connect with their clients. Our data transformation experts consolidate critical data and automate routine processes so that comprehensive data is available for use internally, by clients, government agencies, and others parties that need access. Web-based tools enable client collaboration, providing instant access to claims and risk data. To help insurers gauge and promote service quality, CS STARS' automated auditing platform facilitates claims and quality audits. Managed Care Organizations CS STARS' delivers services and software that support medical cost management. As the industry leader in data transformation services, CS STARS provides data conversion and consolidation services that support customer acquisition and new implementations. Our comprehensive software automates routine bill medical review processes and is maintained by a dedicated compliance team that monitors state legislation, enabling clients to ensure their bill edits comply with current regulations. Public Entities CS STARS offers solutions that meet the specifi c needs of public sector organizations. States, cities, counties, school boards, special purpose districts, and intergovernmental risk pools use our solutions to effectively manage the complex data and risk management issues that present challenges for public entities. Our solutions help risk managers and claims administrators capture and track loss information, administer public offi cial liability programs, and track government properties and assets. Integrated workfl ow automation tools streamline administration while our data and application-hosting solutions help limit internal IT resource requirements. Third-Party Administrators CS STARS delivers expert software solutions and data services to third-party administrators that provide claims management and adjudication services to their customers. As both a software provider and a data services partner, CS STARS provides a range of products and services that meet the business needs of claims administration professionals. Our software automates the entire claims life cycle and can be customized by line of coverage and by client. CS STARS assists third- party administrators with all inbound and outbound data processes, including the consolidation of data for new accounts or acquisitions, the coordination of incoming data from multiple unbundled sources, and the distribution of insurere statistical reports. Web portals facilitate collaboration with clients, vendors, and partners. Streamlined auditing tools help identify potential exposures, reduce claims audit expenses and enhance client satisfaction. CS STARS TM MANAGES 170 MILLION CLAIMS UPDATES ANNUALLY AND STORES $80 BILLION IN CLAIMS

5 Products Risk and Claims Management Systems Corporations and public entities of all sizes, from all industries, use our software to assess risk and improve the effectiveness of their risk management programs. Our solutions help risk managers better manage claims and other risk-related information, identify safety issues and cost drivers, set priorities, and improve workfl ow and communication. Data Services Data transformation and consolidation services assist entities challenged with managing their own risk, as well to organizations using data to serve their customers. We process data from most major insurers and third-party administrators, using proprietary tools to improve data quality and timeliness. STARS TM First Notice TM of Loss CS STARS offers a comprehensive, Web-based intake platform for reporting claims and incidents. Confi gurable screens and workfl ow streamline intake based on each client s business requirements, while management tools facilitate collaboration, communication, and distribution of information. Claims Administration Solutions CS STARS delivers claims administration software and services to insurers, third-party administrators, and organizations that self-administer claims. Our tools and services support the claims life cycle to reduce cycle times, improve productivity, decrease administrative expense, and reduce loss costs. Client portals and dashboard features facilitate collaboration and communication with customers while EDI reporting processes allow clients to ensure they are in compliance with state workers compensation regulations. Medical Bill Review Software CS STARS industry-leading software is used by insurers and third-party administrators to reduce medical bill costs and improve bill processing productivity. Industry-leading support services include proactive monitoring of relevant regulatory activity and continuous implementation of required fee schedule changes. Audit Solutions CS STARS provides a platform for automating and increasing the accuracy of business audits and compliance assessments. Our solution gives clients the tools they need to create effective audits, and to automate data collection, analysis and recommendation tracking needed for gauging and maintaining compliance with government and industry regulations and business best practices. Clients can design completely customized assessments, or choose from a library of environmental, health, and safety templates. OUR RISK MANAGEMENT SYSTEM IS RANKED #1 IN INSTALLATIONS BY BUSINESS INSURANCE MAGAZINE

6 North America Amarillo, Texas Atlanta, Georgia Chicago, Illinois Dallas, Texas Los Angeles, California Nashville, Tennessee New York, New York Philadelphia, Pennsylvania Europe London, England Munich, Germany Paris, France Warsaw, Poland South Africa Johannesburg Australia Sydney CS STARS TM With more than 40 years of industry experience, CS STARS is committed to delivering leading technology products for managing risk, claims, and insurance. CS STARS software and services include: Risk and Claims Management Claims Administration Audit Solutions Medical Bill Review Legal Matter Management The information contained in this publication provides only a general overview of subjects covered, is not intended to be taken as advice regarding any individual situation and should not be relied upon as such. CS STARS LLC is an affi liate of MMC. Other companies within the family of MMC companies include Kroll, Marsh, Guy Carpenter, Mercer Human Resource Consulting (including Mercer Health & Benefi ts, Mercer HR Services, Mercer Investment Consulting, and Mercer Global Investments), and the Oliver Wyman Group (including Lippincott and NERA Economic Consulting). Call Center Solutions Data Services To learn more about CS STARS, visit call (800) , or solutions@csstars.com. Copyright 2007 CS STARS LLC. All rights reserved. MA v.04/07