INDIVIDUAL DENTAL INSURANCE (You may print this page to save the instructions.)

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=2 height=90 BGCOLOR="#006699" TEXT="#080000" bgproperties="fixed" background="039285a1erlcgo.png"> <div> <FONT SIZE="5" COLOR="#FFCC66" FACE="Arial" ><B>LIFE, DISABILITY, MEDICAL, MEDIGAP, DENTAL, LTCI and ANNUITIES </B></FONT><B>     |     </B><A HREF="index.htm" TARGET="_top" TITLE="LIFE, DISABILITY, MEDICAL, MEDIGAP, DENT"><U><B>home</B></U></A></div> <div>                                                   </div> <div> </div> </td> </tr><tr> <td valign="top" width=210 BGCOLOR="#FFCC66" TEXT="#080000" background="038d2c00dkelyh.png"> <div> W. Forrest Veal, CLU</div> <div> P. O. Box 700222</div> <div> Dallas, TX 75370</div> <div> 972 250 6516</div> <div> 1 888 845 8325</div> <div> Fax 1 775 542 0808</div> <div> E-mail - vbsinsurance@juno.com</div> </td> <td valign="top" height=390 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <I>INDIVIDUAL DENTAL INSURANCE  (You may print this page to save the instructions.) </I></div> <div> <B>A DENTAL HMO PLAN FROM COMPBENEFITS</B></div> <bR> <div> If you are not eligible for a group plan of dental benefits, you may want to consider a plan available to individuals and their eligible family members, at a very attractive premium. About what you would pay, just for yearly routine cleanings.</div> <bR> <div> You choose your family dentist or a specialist from a large, established dental network. You can suggest that your current dentist join, if he/she is not already a member.</div> <bR> <div> When you see your participating dentist, you receive no charge services for: *routine cleanings, *topical fluoride, *oral exams, *local anesthesia. Other dental procedures are covered at substantial savings to you. Also, there are no claim forms for you to file and there is no maximum annual limitations on benefits. </div> <bR> <div> Included with the plan are discounted services for vision, hearing and pharmaceutical products.</div> <bR> <div> TO REVIEW THE PLAN IN DETAIL, SELECT A DENTIST OR DENTAL OFFICE, ENROLL ON-LINE OR COMPLETE AN APPLICATION TO PRINT AND MAIL IN WITH YOUR PAYMENT, JUST CLICK ON THE FOLLOWING EXTERNAL LINK.  <B> </B><A HREF="http://www.compbenefitsdirect.com/?agentid=0304112TX" TARGET="_top" TITLE="http://www.compbenefitsdirect.com/?agent"><U><B>COMPBENEFITSDIRECT</B></U></A></div> <bR> <bR> <bR> <div> <B>A CHOICE OF SEVERAL TYPES OF DENTAL PLANS FROM DENTAL SELECT</B></div> <bR> <div> At the following web site you can review and select from several different plans including (1) the (Silver Plan), a dental discount plan, (2) the (Gold Plan), an insured plan providing in-network and out-of-network benefits. The in-network benefit shows your copay for each covered procedure and the out-of-network benefit pays up to the scheduled amount shown and you pay the balance, and (3) the (Platinum Plan) a traditional indemnity plan with two deductible and coinsurance options. When you use in-network dentist, they accept plan payment subject to deductible and coinsurance while out-of-network dentist are paid based on a fee schedule after your deductible and you are responsible for the balance charged. Please review the detail of each plan in making your plan selection. After arriving at the site, you may select the Platinum (Option 2) and then click on the option to compare Dental Plans. This will provide you the dental rates for all plans plus an outline of the plans. To check the details on each plan you should click on the appropriate brochure which may be downloaded and printed.</div> <bR> <div> After selecting your plan, click on enroll now to complete an online application. When answering the question <B>"How did you hear about Dental Select?"</B> please choose <B>"Agent"</B> so that I can be your agent of record and provide you assistance in the future. Then in the Representative Section, complete my name - <B>William Forrest Veal</B> and <B>Agent No. 5336.</B> If you do not complete this information, then I will not be notified and you will be assigned to another agent or need to deal direct with the Company. Thanks and call me when you have questions about your insurance needs. </div> <bR> <div> The link to this new plan is:  <A HREF="http://www.dentalselect.com/products.jsp?producttype=2" TARGET="_top" TITLE="http://www.dentalselect.com/products.jsp"><U><B>DENTALSELECT</B></U></A><A HREF="http://www.dentalselect.com/products.jsp?producttype=2" TARGET="_top" TITLE="http://www.dentalselect.com/products.jsp"><U> </U></A>  </div> <bR> <div> <B>A FEE BASED INDEMNITY DENTAL PLAN FROM UNICARE</B></div> <bR> <div> An Indemnity Dental Plan is available thru UNICARE at the following web site. First select your State for Individual and Families and then click on Dental subjects shown in the left column.</div> <bR> <div> <A HREF="http://isg.unicare.com/AgentConnect/Default.asp?ID=MCGPPKNQRZ&Options=ISM" TARGET="_top" TITLE="http://isg.unicare.com/AgentConnect/Defa"><U><B>http://isg.unicare.com/AgentConnect/Default.asp?ID=MCGPPKNQRZ&Options=ISM</B></U></A></div> <bR> <bR> <div> Veal Benefit Services Inc. has other individual dental plans that are not yet available on-line. You may click <A HREF="id34.htm" TARGET="_top" TITLE="REQUEST FOR QUOTE"><U><B>"Request for Quote Form"</B></U></A> to order your personal quote or you may call Forrest Veal for information to be mailed to you. </div> <bR> <div> <B>Return to the Table of Subjects by clicking on "home" in the above blue border.</B></div> </td> </tr></table></body>