ANPAC^® offers benefits and services that account for approximately 39% over and above each Team Member's base salary. This includes:
Group Health Plan (includes Major Medical, Short-term Disability, Term Life, and Accidental Death & Dismemberment):

Major Medical provides benefits for covered expenses resulting from an illness or non-work related injury. Coverage is also provided for eligible mammograms, bone mass measurement, prostate cancer screenings, childhood immunizations, etc. Major Medical includes a Prescription Card Service, which allows 30-day prescriptions to be filled for a $10 co-payment for a generic drug (or $20 co-payment for a brand name drug with no generic equivalent.) There is also a Prescription Home Delivery Service, which offers at-home delivery of prescriptions (up to a 90-day supply for a $10 co-payment for a generic drug or a brand-name drug with no generic equivalent). Dental coverage is not part of this plan, except for certain listed services (see plan booklet for details.)

Short-term Disability* is part of the Group Health Plan and pays 66-2/3% of a covered Team Member's weekly salary up to 24 weeks should they become disabled (after 6 months of service) and not have enough paid sick leave to cover the absence. STD coverage (without enrolling in Major Medical) is $6.40/month.

Term Life Insurance and Accidental Death & Dismemberment plans are paid by ANPAC and are equal to twice the Team Member's annual salary, up to $100,000.

*ANPAC^® pays approximately 70% of the Major Medical & Short-term Disability premiums and 100% of the Term Life and Accidental Death & Dismemberment premiums.

Additional Insurance:

After 2 years of service, Team Members are automatically covered under American National's Long Term Disability plan. LTD is fully paid by ANPAC and coverage includes 60% of the average weekly earnings. LTD begins 6 months from the date of disability and continues to pay up to age 65 or longer (determined by the policy provision under Benefit Duration Limit), provided that the Team Member continues to be disabled.

Voluntary Group Term Life (individual or family policy) is available upon hire or during annual enrollment. The rates are age-banded and coverage may be 1, 2, or 3 x annual salary. Voluntary Accidental Death & Dismemberment (individual or family policy) is also available upon hire or annual enrollment. An insurance plan available after 1 year of service, LPU@96 (a whole life policy that builds cash value) may be purchased directly from our parent company with no agent commission or load fee charged.

Discounted Auto Insurance through ANPAC's BenefitsXpress program is available for those Team Members who have their personal automobile(s) and home insured by ANPAC^®.

Dental and Vision:

There is a Voluntary Vision Insurance Plan and a Voluntary Dental Insurance Plan available to ANPAC Team Members.

Flexible Spending Accounts (FSA):

There are two types of Flexible Spending Accounts: Health Care Account and Dependent Care Account. These accounts allow you to pay health care expenses (not covered by a health insurance plan), or dependent care expenses with tax-free dollars. You may participate in either or both accounts through payroll deduction. You decide each year how much you want to deposit to each account. The minimum amount you may contribute to either account is $240 per year ($10 per pay period). The maximum you may contribute in 2005 is $3600 ($150 per pay period) in the Health Care FSA and $5000 ($208.33 per pay period) in the Dependent Care FSA. Your contributions must be used for expenses incurred in the same year.

Retirement:

There is a Retirement Plan fully funded by ANPAC^®. Team Members, at least 21 years of age, begin participating in the plan after 1 year of service and are fully vested after 5 years. It is a "defined" plan and is based upon years of service and highest 5 years of earnings.

The 401(k) Plan is an option Team Members have to personally supplement their retirement income benefits. Deductions are pre-taxed, and participants choose from a variety of investment funds. Contributions can be as little as $10 per pay period, up to a $15,500 annual maximum (as prescribed by law).

Time-off Benefits:

Vacation is awarded on January 1 each year, even though it is earned throughout the year, and includes 10 days for the first 4 years and one additional day for each continuous year, up to 25 days. Vacation can be taken in ½ or full-day increments and does not carry over from year to year. During first year of employment, vacation accrues at a rate of 1 day/month, after completing the 6-month Introductory Period.

ANPAC^® offers 3 Floating Holidays per year that may be taken for holidays that a Team Member observes but the company does not or for emergency situations that cannot be scheduled in advance (i.e., sick child). Days may be taken in ½ or full-day increments. After the 6-month Introductory Period is met, floating holidays accrue at the rate of 1 day per calendar quarter. ANPAC^® observes 8 Holidays throughout the year: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, Day after Thanksgiving, Christmas Eve, and Christmas Day.

Sick Leave may be used for times when Team Members are unable to work due to illness or injury. Team Members accrue 5 days per year which can carry over from year to year, up to a maximum of 90 days. After 5 years of service, Team Members earn an extra sick day per year, up to a maximum of 10 per year. The accrual rate for new hires is 1/2 day per month, after the 6-month Introductory Period is met.

Job Posting and Educational Assistance:

ANPAC^® has a Job Posting program and promotes within as much as possible. This allows opportunities to Team Members who prove themselves to be professionally effective in their positions. ANPAC^® posts job openings for qualified Team Members to be considered for. To assist in advancement, ANPAC^® encourages continuation of education/training. The Education Program pays 100% (up front) for job-related courses.

Other Benefits and Services:

Employee Referral Program ($200 bonus when ANPAC^® hires your referral)

Employee Assistance Plan (personal and financial counseling, law phone, dependent care referral)

Free On-site Health Screenings (Osteoporosis, Mammograms, PSA, Flu shots, Health Risk Appraisals, etc.)

Private On-site Health/Wellness Room

On-site Chair Massage on Thursday's each week ($10 per 10 minutes)

Fitness Center Memberships (receive corporate discount)

Team Member of the Month Program

Perfect Attendance Bonus Program and Service Anniversary Awards

Customer Service Bonus Awards

*Mutual Funds available through the ANICO Associates Investment Program distributed by SM&R

Various Banking/Credit Union services available (free checking, on-site ATM, direct deposit, etc.)

Weekly Laundry/Dry Cleaning service (pickup and delivery)

Monthly Ambassadors Club functions (summer picnic, holiday gala, theme days, etc.)

Monthly Lunchbox Lessons on topics of personal/professional interest (includes free lunch)

Discounts to Retail Stores (Springfield area)

Business Casual Dress with a No-Smoking Environment

Opportunity for Community Involvement

*Mutual funds are sold without sales charges to eligible program participants by prospectus only. Prospectuses for each fund are available free by contacting the Human Resources Department or by calling SM&R at 1-800-231-4639. All investors are advised to carefully consider the investment objectives, risks, charges and expenses of an investment company. The prospectus contains this and other information about the investment company and should be read carefully before investing.

Note: The above information includes a summary of benefits and services offered to Regular Full-time Team Members.