At its heart, Unum is a company of people serving people. We provide more than a benefit check to claimants...we provide a wide range of benefits and services designed to help people during what is often the most trying time of their lives loss of income due to illness or injury.

We are committed to paying all valid claims. In 2005 alone, we replaced over $4 billion in lost income to help support families. To our knowledge, this is more than any other income protection provider in the world.

Our claims paying philosophy is simple, yet direct:

• Make appropriate decisions by providing a thorough, fair, and objective evaluation of all claims
• Pay all valid claims in a timely manner with a high level of service
• Partner with our customers in their efforts to return to work or to independent living

Our claims process we call it "The Benefits Center" is unique helping our customers return to work following an injury or illness. We have invested heavily in a highly innovative process that is supported by a significant number of specialty and clinical resources, including our FMLA services, disability reporting/analysis, integrated disability management and more. Within our claims operation, our employees are all working on behalf of the millions of customers who have put their trust in Unum. Through these commitments, we have generated return-to-work results better than industry averages¹.

Unum is headquartered in Chattanooga, Tennessee, and has offices around the globe with a significant corporate presence in Portland, Maine; Worcester, Massachusetts; and Glendale California. Our subsidiaries include Colonial Life Accident Insurance Company in South Carolina and Unum Limited in England.

Our focus on helping people return to the fullness of their lives extends beyond our business interests and into the cities and towns where we live, work and play. Unum has long recognized the importance of providing philanthropic support in the communities we call home and encourage our employees to do so, as well. In 2006 we contributed more than $6 million to non-profit organizations across the United States and United Kingdom through locally-made decisions in our home cities. Of this $6 million, $1.16 million was donated through the company's matching gifts program by matching contributions our employees made to local non-profit organizations and educational institutions in the US. This dedication to helping our communities reach their highest potential is a natural extension of our mission to help our claimants return to the fullness of their lives.

In so many ways, and in all that we do, Unum is working to make a difference...one person at a time.

1. Sources: Unum 2000-2002 claims decision data; Presley Reed Published Duration Guidelines, Medical Advisor, 4th edition; and most recent Society of Actuaries Recovery Table 95A, 1995.