CONTACTS 

SUBJECTS
Default Null Subject Account for Blank Record

0403 -
0403 -    ..
0404 - Summary/Objective
0405 -
040501 - Follow up ref SDS 7 0000. ref SDS 6 0000.
040502 -
040503 -
040504 -
040505 -
040507 -  ..
0406 -
0407 -
0408 - Background
0409 -
040901 - On 100811 1601 life insurance claim forms from Unum were requested.
040902 - ref SDS 4 X65H
040904 -  ..
040905 - On 100817 0937 filed claim to recover on Mil's life insurance policy.
040906 - ref SDS 5 X65H
040908 -  ..
040909 - On 100820 0729 called Unum and was told Unum has paid claim of $30K to
040910 - a money market account at a bank in Boston, and that notice of payment
040911 - was mailed. ref SDS 6 PK7Q
040913 -  ..
040914 - On 100825 0601 called Unum and was told again that benefits on
040915 - Millie's life insurance policy have been paid. ref SDS 8 0155
040917 -  ..
040918 - On 100826 1552 received letter from Unum, ref SDS 0 004V, notifying
040919 - insurance benefits paid to Unum account for customer. ref SDS 0 GS60
040920 - Unum contact information is provided. ref SDS 0 U384  Income tax W-9
040921 - form must be returned to activate account. ref SDS 0 PW7F  Online
040922 - banking with member user ID and password is required. ref SDS 0 6F5J
040923 - Unum submits checks for drawing on the account. ref SDS 0 KX4K  Debit
040924 - card services are available. ref SDS 0 5O6O  Terms and conditions
040925 - including minimum balances and minimum withdrawls are submitted to
040926 - customers. ref SDS 0 IG4K
040927 -
040928 -
040930 -  ..
0410 -
0411 -
0412 - Progress
0413 -
041301 - Received letter from Unum saying...
041302 -
041303 -    1.  Subject:  Life Insurance Payment of Benefits
041307 -        Date:  20 Aug 2010
041321 -         ..
041322 -    2.  Please accept our sincere condolences on the loss of your
041323 -        friend, **************.  During this difficult time we are
041324 -        committed to providing you with responsive, compassionate
041325 -        service.
041327 -         ..
041328 -        This letter will provide the details about the payment of the
041329 -        Group Life Insurance benefits.  If you have any questions
041330 -        about this information, please do not hesitate to contact us at
041331 -        the number listed at the end of the this letter.
041333 -  ..
041334 - This responds to the call yesterday asking Unum about correspondence
041335 - confirming payment on Mil's life insurance policy. 100825 0601,
041336 - ref SDS 7 0155
041338 -  ..
041339 - Unum letter continues...
041340 -
041341 -    3.  Information About the Benefit
041343 -         ..
041344 -        As the beneficiary you will receive $30,017.26, which
041345 -        represents the Group Life Insurance benefits plus any
041346 -        applicable interest.  Interest is calculated from July 29, 2010
041347 -        to August 19, 2010, at the rate of 1%.
041349 -         ..
041350 -    4.  What to Expect Next
041352 -         ..
041353 -        The funds are available to you through a Retained Asset Account
041354 -        set up in your name payable through State Street Bank and Trust
041355 -        Company in Boston, MA.
041357 -         ..
041358 -    5.  By placing the funds in a Retained Asset Account you will have
041359 -        the time needed to decide how to best manage the insurance
041360 -        proceeds so as not to put your investment decisions at risk.
041361 -        Here's how it works.
041362 -
041363 -        a.  A personalized book of bank drafts and an opening account
041364 -            statment will be mailed to you within 5-7 business days
041365 -            from the date of this letter.
041367 -             ..
041368 -        b.  You have unlimited access to the balance in the account.
041370 -             ..
041371 -        c.  Drafts can be written for a minimum of $250 up to the full
041372 -            account balance at any time.
041374 -             ..
041375 -        d.  No charges will be made to the Retained Asset Account for
041376 -            bank drafts or draft services (writing drafts, ordering a
041377 -            new supply of drafts, etc.).
041379 -             ..
041380 -        e.  A small charge will be made to the Retained Asset Account
041381 -            for any request for:
041382 -
041383 -            1)  A copy of a draft or statement;
041384 -            2)  A stop payment of a draft, and
041385 -            3)  A draft returned as unpaid.
041387 -             ..
041388 -        f.  Funds in the Retained Asset Account earn a competitive
041389 -            interest rate.
041391 -             ..
041392 -        g.  A quarterly statement is provided, detailing the account
041393 -            balance, interest paid, accured interest and account
041394 -            transactions for the statemnt period.
041396 -         ..
041397 -        Unum will invest the funds in its genral account for as long
041398 -        as it remains in the Retained Asset Account.  Unum guarantees
041399 -        the account balance and will pay a competitive interest rate
041400 -        to you regardless of the investment performance of Unum's
041401 -        general account.  The current interest rate is 1% and any
041402 -        changes will be disclosed via a quarterly account statement.
041404 -         ..
041405 -        How to Contact Us
041407 -         ..
041408 -        Mr Welch, if you have any questions about the claim or this
041409 -        process, please call our Contact Center at 800 445 0402, 8am to
041410 -        8pm Eastern time, Monday through Friday.  Any of our
041411 -        representatives have access to the claim documetnation and will
041412 -        be able to assist you.  We will identify the claim by your
041413 -        friend's social security number or claim number, so please have
041414 -        one of these numbers available when you call.
041416 -         ..
041424 -
041425 -
041426 -
0415 -

SUBJECTS
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0503 -
050401 -  ..
050402 - Unum Explanation of Benefit Payments
050403 -
050404 - Included with Alice's letter was following document...
050405 -
050406 -    1.  Unum Life Insurance Company of America
050407 -        2211 Congress Street
050408 -        Portland, ME  04122
050410 -         ..
050411 -        First Unum Life Insurance Company
050412 -        99 Park Avenue, 6th Floor
050413 -        New York, NY 10016
050414 -        unum.com
050416 -         ..
050417 -    2.  Dear Beneficiary:
050419 -         ..
050420 -    3.  On behalf of Unu, please accept our condolences on your recent
050421 -        loss.
050423 -         ..
050424 -    4.  You loved one's life insurance claim has been approved.  Based
050425 -        on the information provided on the claim form, the proceeds of
050426 -        the policy are available to you through a sepcial Unum Security
050427 -        Account.  This account pays interest on your life insurance
050428 -        proceeds at a competitive rate, while allowing you unrestricted
050429 -        access to your beneiftis by simply using the enclosed bank
050430 -        drafts (just as you would your personal checking account).  The
050431 -        Unum Security Account allows you the time you need to decide
050432 -        how to best manage yor insurance proceeds so as not to put your
050433 -        investment decisions, at risk.
050435 -         ..
050436 -    5.  A flyer detailing the terms and conditions of your new Unum
050437 -        Security Account is enclosed in this packet.  Also, enclosed is
050438 -        a set of bank drafts, which you can begin using immediately.
050439 -        You may write drafts in any amount, from a minimum of $250 up
050440 -        to the entire account balance or you may leave your money in
050441 -        the Unum Secuirty Account for as long as you wish, writing
050442 -        drafts only when you need them.  There is no charge for the
050443 -        bank drafts.
050445 -         ..
050446 -    6.  Each quarter, you will receive an account statement on your
050447 -        Unum Secuirity Account balance.  An initial statement is
050448 -        enclosed, showing your current account balance and the current
050449 -        interest rate being credited to that balance.  Follow-up
050450 -        statements will include information about your account balance,
050451 -        interest rate and accrued interest, together with your account
050452 -        transactions, if any, for that quarter.
050454 -         ..
050455 -    7.  As you review the information in this kit and prepare to begin
050456 -        using you Unum Security Account, please be sure to sign and
050457 -        return the endlosed W-9 form and beneficiary designation form.
050458 -
050459 -            [On 100828 1813 209 form mailed to Unum by Pam in US post
050460 -            office. ref SDS 9 004V
050462 -         ..
050463 -    8.  If, at any time, you have questions about Unum Security Account
050464 -        or need any type of assistance, please call us at 1 877 849
050465 -        0030.  We have trained customer service representatives
050466 -        available Monday through Friday, 0800 am to 0800 pm EST.
050468 -         ..
050469 -    9.  In closing, please know that we understand that this is a
050470 -        difficult time for you, and we extend again our deepest
050471 -        sympathy.
050472 -
050473 -
050474 -
050475 -
050476 -
0505 -

SUBJECTS
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0603 -
060401 -  ..
060402 - Unum Security Account Initial Statement
060403 -
060409 -             ..
060410 -            Date..................................... 2010 08 20
060412 -             ..
060413 -            Now Available:
060414 -
060415 -                    http://www.bene-access.com/unum
060422 -
060423 -               [On 100828 1813 209 application for online banking to
060424 -               avoid paper statements was mailed to Unum by Pam in US
060425 -               post office. ref SDS 9 004V
060437 -             ..
060438 -            Interest rate............................ 1.00%
060440 -             ..
060441 -            Annual percentage yield.................. 1.00%
060443 -             ..
060444 -            Please see the reverse side of this statment for more
060445 -            information about your Unum-Security Account.  In order to
060446 -            utilize your account please sign and return the W-9 Form on
060447 -            the back.
060449 -             ..
060450 -            If you have any questions call Insurance Services customer
060451 -            service at 877 849 0030
060452 -
060454 -             ..
060455 -            If you have an address change, please use this form to
060456 -            make the changes.  Return to...
060457 -
060458 -                    Insurance Services #908#931
060459 -                    Security Account
060460 -                    PO Box 570
060461 -                    Rockland, MA  02370 0570
060463 -             ..
060464 -            Change of Address Form
060466 -             ..
060467 -            From:
060473 -             ..
060474 -            To:
060475 -
060476 -                    Name:
060477 -
060478 -                    New Address
060479 -
060480 -                    City
060482 -                     ..
060483 -                    State                     Zip Code
060485 -                     ..
060486 -                    Signature
060488 -                     ..
060489 -                    Date Signed
060491 -                     ..
060492 -                    Account #
060493 -
060494 -
060495 -
060497 -  ..
060498 - Checks on Unum Security Account Millie's Life Insurance Policy
060499 -
060500 - Received 15 checks #101 - 115
060501 -
060516 -
060517 -            [...above account number different from number on the
060518 -            checks. ref SDS 0 9M30
060519 -
060520 -
060521 -
0606 -

SUBJECTS
Default Null Subject Account for Blank Record

0703 -
070401 -  ..
070402 - Debit Card Available for Unum Security Account
070403 -
070404 -
070405 -    1.  Unum
070406 -        Better Benefits at Work
070407 -
070408 -    2.  Now Available to You
070409 -
070410 -        Your Security Account provides you a convenient benefit.  The
070411 -        Unum Security Account Card is available to you upon your
070412 -        request.  You can use your Unum Security Account Card
070413 -        wherever the MasteCard debit cards are accepted and at ATMs
070414 -        where Cirrus, Accel and Exchange brand marks are displayed.
070416 -         ..
070417 -    3.  How it works:
070418 -
070419 -        The Unum Security Account Card looks like a credit card, but
070420 -        actually works like cash or a personal check.  Once requested
070421 -        you will receive your card within a week and a few days later
070422 -        your PIN number will arrive.  To withdraw cash, simply insert
070423 -        the card into an ATM and enter your PIN number.  Follow the ATM
070424 -        interactive menu for easy access to your account.  There is a
070425 -        $300 daily ATM withdrawal limit and a $3,000 daily debit card
070426 -        limit for purchases.  Each withdrawal or purchase is
070427 -        automatically deducted directly from your Unum Security
070428 -        Account.  Your account transactions will be itimized on your
070429 -        quarterly account statement.  We do not charge any transaction
070430 -        fees for your use of the Unum Seciruty Account Card, however,
070431 -        other entities my impose separate transaction charges, such as
070432 -        ATM or point-of-sale fees.  Your Unum Security Account Card is
070433 -        made available for your added convenience.
070434 -
070435 -            [On 100828 1813 209 application for debit Mastercard mailed
070436 -            to Unum by Pam in US post office. ref SDS 9 004V
070438 -         ..
070439 -    4.  Please review the enclosed Security Account Terms and
070440 -        Conditions for further details about your Unum Security
070441 -        Account.
070443 -         ..
070444 -    5.  To begin using all the benefits of the Unum Security Account
070445 -        Card, request your card by completing the informatio below.
070446 -        Once completed separate at the "tear here" line and return in
070447 -        the enclosed pre-paid self-addressed envelope.
070449 -         ..
070450 -    6.  The advantages of using your Unum Security Account Mastercard
070451 -        card:
070452 -
070453 -        1.  It's simple!  Your quarterly account statements make it
070454 -            easy to track and mangae your expenses.
070455 -
070456 -        2.  It's safe!  Usng a debit card frees you from carrying cash,
070457 -            traveler's checks or a checkbook.
070459 -             ..
070460 -        3.  It's convenient!  Use your debit card with any merchant
070461 -            that accepts Mastercard debit cards or at any ATM
070462 -            displaying the Mastercard, Cirros, Accel or Exchange brand
070463 -            marks for any purchase or cash withdrawal.  Remember there
070464 -            is a $300 daily ATM withdrawal limit and a $3,000 daily
070465 -            debit card limit for purchases.
070467 -             ..
070468 -        4.  It's fast!  Instead of writing an account draft and sharing
070469 -            personal information, simply use your Security Account
070470 -            Card.
070472 -         ..
070473 -    7.  The Unum Security Account Mastercard card is issued by
070474 -        Huntington National Bank.
070475 -
070476 -
070477 -
0705 -

SUBJECTS
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0803 -
080401 -  ..
080402 - Unum Security Account Terms and Conditions
080403 -
080404 -
080405 -    1.  Unum Security Account
080406 -
080407 -        The loss of a loved one can be one of life's most emotinoally
080408 -        trying experiences, especially when complicated by the
080409 -        practical realities of dealing with sudden financial issues and
080410 -        needs.
080412 -         ..
080413 -        The benefit proceeds from, your loved one's Unum life insurance
080414 -        policy are available to you through a Unum Security Account
080415 -        This account allows your life insurance benefits to earn a
080416 -        competitive rate of interest while you decide how best to
080417 -        manage your financial future.  When you're ready to use any
080418 -        parr of you money, simply write a draft to access the funds
080419 -        just as you would your regular checking account.
080421 -         ..
080422 -        The information below will detail your Unum Security Account
080423 -        features and benefitrs.  As ou begin using your Unm Security
080424 -        Account, remember that our are the only person authorized to
080425 -        write drafts against your account balance and to exercise all
080426 -        the rights and priveleges provided by the account.
080428 -         ..
080429 -    2.  Security Account Terms and Conditions
080430 -
080431 -        Bank Administration
080433 -         ..
080434 -        Your draft account is payable through State Street Bank and
080435 -        Trust Company, Boston, Mass.  Drafts written on your account
080436 -        are not available for ACH or EFT transactions.
080438 -         ..
080439 -        Interest
080441 -         ..
080442 -        Your Unum Security Account balance will earn interest from the
080443 -        date your claim is processed until the date any drafts you
080444 -        write are cleared.
080445 -
080446 -        1.  Your interest rate.
080447 -
080448 -            The interest earned by your Security Account will be at a
080449 -            Competitive rate determined by Unum.  We will calculate
080450 -            your interest based on the balance in your account at the
080451 -            end of each day.  We may adjust the interest rate payable
080452 -            on your account on a monthly basis.
080454 -             ..
080455 -        2.  Accural crediting and withdrawal information.
080456 -
080457 -            Interest earned will be compounded daily and credited to
080458 -            your account at the end of the 5thday of each month.  This
080459 -            interest will be available for withdrawal on the day after
080460 -            it has been credited.  The interest earned on the account
080461 -            may be taxable; therefore, you should consult your tax
080462 -            advisor.
080464 -         ..
080465 -    3.  Minimum Balance Requirements
080466 -
080467 -        If at any time after your account is established the available
080468 -        balance in your account falls below $250, it will be closed
080469 -        automtically.  The balance remaining in the account will be
080470 -        sent to you, together with any interest due, after the 5th day
080471 -        of the following month.
080473 -         ..
080474 -    4.  Minimum Draft Amounts
080475 -
080476 -        You may write drafts from a minimum of $250 up to the full
080477 -        amount of mony in your account.  If you wish, one draft can be
080478 -        written to access the entire balance at any time.
080480 -         ..
080481 -    5.  Deposits
080482 -
080483 -        You Unum Security Account is a special accoutn for life
080484 -        isurance benefits only.  You cannot deposit additional funds
080485 -        into the account.
080487 -         ..
080488 -    6.  Overdrafts
080489 -
080490 -        Overdrafts will not be honored for any amount that exceeds
080491 -        available funds in your account.
080493 -         ..
080494 -    7.  Cancelled Drafts
080495 -
080496 -        Cancelled drafts will not be returned to you.  You may request
080497 -        copies of cancelled drafts for a small fee.  (see "Fees"
080498 -        section below.)
080500 -         ..
080501 -    8.  Statements and Communication
080502 -
080503 -        Effective June 6, 2008 account statements will be produced on a
080504 -        quarterly basis.  As an exception to the aforementioned
080505 -        quarterly schedule, statments will be produced for any month
080506 -        during which the account had withdrawal activity.  You will
080507 -        receive an account statement showing your account balance as of
080508 -        the statmenet date, along with a record of account withdrawals,
080509 -        intrest cretids and special service fees. if any. (see "Fees"
080510 -        section below.)  The statement will also show your current
080511 -        interest rate and annual percentage yield.
080513 -         ..
080514 -    9.  Fees
080515 -
080516 -        There are no fees for your drafts or draft services.  The only
080517 -        fees charged to your account are in the following situations...
080518 -
080519 -        1.  $2.00 for a copy of a draft or statement
080520 -        2.  $10.00 for any draft returned unpaid.
080521 -        3.  $12.00 for each stop payment order.
080523 -         ..
080524 -   10.  Beneficiary Designation
080525 -
080526 -        You are not required to name a beneficiary fo the funds in your
080527 -        Unum Security Account.  However, if you wish to do so, please
080528 -        complet ethe enclosed Beneficiary Designation form.  If
080529 -        youchoose not to name a beneficiary, any balance in your Unum
080530 -        Security Account at your death will be paid to your probate
080531 -        estate, if one has been established, of no probate estate has
080532 -        been established, the blance of the account will be paid, at
080533 -        our option to one of the following:  your spouse, your
080534 -        children, your parent or your siblings.
080536 -         ..
080537 -   11.  How to Close Your Account
080538 -
080539 -        You may close your account at any time by simply writing a
080540 -        draft for the entire amount balance and having that draft
080541 -        cashed or deposited into another account of your choice.
080543 -         ..
080544 -        If you prefer, you may also call Insurance Services at 1 877
080545 -        849 0300 and request that your account be closed.  A draft for
080546 -        the entire account balance, including any accrued interest,
080547 -        will be mailed to you.
080548 -
080549 -
080550 -
080551 -
080552 -
080553 -
080554 -
080555 -
080556 -
080557 -
080558 -
080559 -
080560 -
0806 -