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</o:shapelayout></xml><![endif]--></head><body lang=EN-US link=blue vlink=purple><div class=WordSection1><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>Dear Educational Entities:<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>You may soon receive the message below from UNUM. OEBB just became aware of this communication and clarified with UNUM … this does not affect OEBB plans in any way. Educational Entities will still be able to purchase Long Term Care coverage through OEBB, the same as in the past. If your entity does not yet offer this coverage, you may still elect to add it in an upcoming plan year. If you currently offer LTC through OEBB, your plans will not be affected in any way.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'>We apologize if their communication causes any confusion. Thank you.<o:p></o:p></span></p><p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:#1F497D'><o:p> </o:p></span></p><div><p class=MsoNormal><b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:navy'>Jackie Cowsill</span></b><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:navy'>Communications Coordinator</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:navy'>Oregon Educators Benefit Board</span><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><o:p></o:p></span></p></div><div><div class=MsoNormal align=center style='text-align:center'><span style='font-size:10.0pt;font-family:"Calibri","sans-serif";color:#1F497D'><hr size=2 width="100%" align=center></span></div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>Feb. 7, 2012<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>Dear valued customer:<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>After a careful and comprehensive review, we have decided to end sales of new group long-term care contracts as of today, Feb. 7. Although we recognize there is a market need for products to help individuals pay for long term care expenses, current economic, pricing and risk factors make it impossible for us to meet our financial and risk management objectives.<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>The decision to discontinue selling new group long term care policies will not affect current customers or impact the high quality of service we provide to current policyholders and claimants. Additionally, we will continue to accept new enrollees on existing contracts. <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>Unfortunately, we are not the only insurer to reach this conclusion as many others have now exited the long term care market given the combination of historically low interest rates and the uncertainty of risk and pricing trends.<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>We believe this decision is in the best interest of all of our policyholders, as it allows us to sharpen our focus on the markets and products that provide the greatest long term opportunity for our company and are more compatible with our financial and risk management objectives. <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>Additional information is <b><u>available here</u></b> [see below]. If you have any additional questions, please call our Customer Support area at 800-227-4165, Monday through Friday from 8 a.m. to 8 p.m. Eastern time. <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>Thank you for your understanding, as we recognize that this change may have an impact on you. We appreciate your continued support of Unum.<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>Sincerely,<o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'>Unum Long Term Care Operations <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Diana Scott</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>National Account Manager</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Unum</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>111 SW Columbia Street, Suite 900</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>Portland, OR 97201-5851</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>503.721.9552</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>f 503.221.2258</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'>dscott@unum.com</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Verdana","sans-serif"'> </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div style='margin-top:5.0pt;margin-bottom:5.0pt'><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:maroon'>Privacy & Confidentiality of Information Notice: This communication may contain non-public, confidential, or legally privileged information intended for the sole use of the designated recipient(s). If you are not the intended recipient, or have received this communication in error, please notify the sender immediately by reply email or telephone at 503-721-9552</span><span style='font-size:10.0pt;font-family:"Verdana","sans-serif";color:blue'> </span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:maroon'>and delete all copies of this communication, including attachments, without reading them or saving them to a disk. If you are the intended recipient, you must secure the contents in accordance with all applicable State or Federal requirements related to the privacy and confidentiality of information, including the HIPAA Privacy guidelines. </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div style='margin-top:5.0pt;margin-bottom:5.0pt'><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:maroon'>Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><img width=130 height=42 id="_x0000_i1025" src="cid:0dde98ae-ce7d-4007-9476-455082230986"></span><b><span style='font-family:"Arial","sans-serif"'> Plan Admin</span></b><span style='font-family:"Arial","sans-serif"'> <b>Q&As – Unum’s market exit/GLTC</b></span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>After a careful and comprehensive review, we have decided to end sales of new group long term care contracts as of Feb. 7, 2012.</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Impact</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><ul type=disc><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l1 level1 lfo3'><span style='font-family:"Arial","sans-serif"'>This decision does not impact the high quality of service we provide to current policyholders and claimants. We will continue to administer existing policies, including accepting future enrollees on those policies.<o:p></o:p></span></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l1 level1 lfo3'><span style='font-family:"Arial","sans-serif"'>All current employees on claim will continue to receive their benefits in accordance with the terms of their policy.<o:p></o:p></span></li><li class=MsoNormal style='mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l1 level1 lfo3'><span style='font-family:"Arial","sans-serif"'>All future employee claim submissions will be honored and processed according to the terms of the policy.<o:p></o:p></span></li></ul><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><b><u><span style='font-family:"Arial","sans-serif"'>Additional Q&As:</span></u></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. Isn’t Unum a leader in this market and growing a strong business?</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A.</span></b><span style='font-family:"Arial","sans-serif"'> Unum is a leader in the GLTC market. We are serving more than 9,000 employer groups, covering approximately 800,000 insured employees and their families. </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'>While we recognize there is a market need for products to help individuals pay long term care expenses, current economic, pricing and risk factors make it impossible for us to meet our financial and risk management objectives.</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'> </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. Will you accept any changes to existing group plans?</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A. </span></b><span style='font-family:"Arial","sans-serif"'>We will continue to administer existing group plans, including accepting future enrollees on existing policies. Existing contractual provisions will still apply. </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. Will I notice any difference in my service relationship with Unum?</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A</span></b><span style='font-family:"Arial","sans-serif"'>. This change will not impact our current relationship with existing customers. </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. How long will Unum support existing customers?</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A</span></b><span style='font-family:"Arial","sans-serif"'>. Unum will provide responsive service to its group customers until they terminate their plans and discontinue paying premiums. </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. How long will Unum support my employees who are on claim?</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A.</span></b><span style='font-family:"Arial","sans-serif"'> Unum will support all eligible long term care claimants covered by either individual or group policies who are on claim, or who will submit claims in the future. These claims will be reviewed and administered according to policy provisions.</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. Will Unum adjust its staffing support for GLTC?</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A.</span></b><span style='font-family:"Arial","sans-serif"'> The customer service and claims teams will be fully staffed to meet the needs of our existing group customers, and current and future claimants. We have about 5,000 open claims for group and individual long term care, and expect that number to increase as policyholder’s age. </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. Does Unum have any plans to increase rates on existing policies and certificate holders? </span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A.</span></b><span style='font-family:"Arial","sans-serif"'> We continue to assess the experience of our inforce blocks to determine if that is necessary. While we do anticipate some increases on our older contract series, any increase needs to be approved by the state insurance department before it is effective, so we are not in a position to communicate any details about timing or magnitude. Unum will provide ample lead time for customers to evaluate an increase if one is approved for their contract series.</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. What do I tell my employees about this change?</span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A. </span></b><span style='font-family:"Arial","sans-serif"'>Your employees should be reassured that Unum is committed to supporting these plans and the employees who are on claim or may be on claim in the future. There are no changes to the coverage or contractual rights of current insureds.</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>Q. Who should I call If I have questions about my Unum GLTC plan? </span></b><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><b><span style='font-family:"Arial","sans-serif"'>A.</span></b><span style='font-family:"Arial","sans-serif"'> If you have additional questions, please call our Customer Support area at 800-227-4165, Monday through Friday from 8 a.m. to 8 p.m. Eastern time.</span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-family:"Arial","sans-serif"'> </span><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'><o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div><div><p class=MsoNormal><span style='font-size:10.0pt;font-family:"Calibri","sans-serif"'> <o:p></o:p></span></p></div></div></body></html>