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International Benefits Division

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| Combined Services LLC offers group insurance solutions to domestic and
foreign multinational companies in the U.S. through the Swiss Life Network, a leading provider of international employee
benefits solutions. Group insurance plans are underwritten by Fort Dearborn Life Insurance Company, the parent company of
Combined Services LLC. Fort Dearborn Life has been the exclusive U.S. Partner of Swiss Life Network since January 1, 2006.
The Network specializes in employee benefits solutions for multinationals and is made up of over 50 partners, covering more than
70 countries and territories. The Swiss Life Network has partnered with large, medium and small multinational corporations
throughout the world over many years.
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A Global Partnership - from their headquarters in Zurich, Switzerland, the Swiss Life Network multilingual experts are in
daily contact with Network Partners such as Fort Dearborn Life. You will find Network Partners in virtually all the key
industrial countries where our clients are present. If you have employees domiciled elsewhere, we can often help through neighboring country
cross-border agreements or coverage from a specialty provider in a third country.

Customized benefits solutions - you will receive innovative, flexible and customized international solutions for all your
employee benefit requirements. The Swiss Life Network has experience and expertise gained over decades of partnering
with large, medium and small multinational corporations throughout the world. Their experts will assist you to set up
new local benefit plans or amend your existing programs to ensure competitive local market positioning and cost efficiencies.

Multinational pooling - this risk management tool allows international corporations to spread the risk associated with
their local employee benefit plans around the world and take advantage of cost savings and sharing of in-depth,
up-to-date information. With the Swiss Life Network modular approach, you can tailor your pooling solutions to your
company's exact requirements and risk profile.

The International Benefits Division represents a team of seasoned professionals who work in cooperation with Fort Dearborn
Life sales personnel providing employee benefits in the U.S. and international benefits solutions through the Swiss Life
Network for FDL customers with employees outside of the U.S.
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