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SOUTH FLORIDA GROUP OFFICE <br />MUTUAL OF OMAHA <br />1000 SAWGRASS CORPORATE PARKWAY <br />SUITE 158 <br />SUNRISE, FL 33323 -0000 <br />PHONE: (866) 660-0828 <br />FAx: (954) 845 -6077 <br />January 29, 2014 <br />Samantha Graveline <br />1201 West Cypress Creek Road <br />Suite 130 <br />Fort Lauderdale, FL 33309 <br />Re: City of Sunny Isles Beach <br />Group #: G000AIJ6 <br />Dear Samantha: <br />m <br />Murual—ItOmaHa <br />Thank you for choosing Mutual of Omaha as your client's benefits provider. It has been our pleasure to provide City of <br />Sunny Isles Beach with group benefits and services that are unique to your client's individual needs. Mutual of Omaha is <br />committed to providing unparalleled service that will meet the needs of our customers. <br />Each renewal period, we analyze current benefit and rate structures to determine the appropriate rates for continued group <br />insurance protection for your valued employees. This process includes recalculation of the premium rates to reflect factors <br />like: <br />• plan features <br />• demographics <br />• nature of business <br />• experience <br />• any adjustments to our underlying rate structure <br />Based upon our review, your renewal rates, effective 3/1/2014, are as follows: <br />Renewal <br />Current <br />Renewal <br />Monthly <br />Rate <br />Current <br />Monthly <br />Renewal <br />Monthly <br />Premium <br />Guarantee <br />Coverage <br />Rate Basis <br />Rate <br />Premium <br />Rate <br />Premium <br />Change <br />Date <br />Voluntary Employee & <br />See detail <br />Spouse Term Life <br />Age Banded <br />below <br />3/1/2016 <br />Voluntary Dependents <br />Term Life <br />Per $1,000 <br />$0.20 <br />$61.00 <br />50.20 <br />$61.00 <br />$0.00 <br />3/1/2016 <br />Employee Term Life <br />Per $1,000 <br />$0.18 <br />$2,091.84 <br />50.18 <br />$2,091.83 <br />$0.00 <br />3/1/2016 <br />Employee AD &D <br />Per $1,000 <br />$0.02 <br />$232.43 <br />$0.02 <br />$232.43 <br />$0.00 <br />3/1/2016 <br />Per $10 of <br />Voluntary Short-Term <br />Weekly <br />Disability <br />Benefit <br />$0.32 <br />$1,853.10 <br />$0.32 <br />$1,853.1 <br />$0.00 <br />3/1/2016 <br />Per $100 of <br />Monthly <br />Covered <br />Long -Term Disability <br />Payroll <br />$0.46 <br />I $4,087.03 <br />$0.46 <br />$4,087.03 <br />$0.00 <br />3/1/2016 <br />Premium Totals <br />1 $8,325.40 <br />$8,325.39 <br />$0.00 <br />