BLUECROSS BLUESHIELD OF SOUTH CAROLINA

Group

2-50 lives:  Each month commissions are based on the prior 12 months of agent sales:

                       First Year                 Prior 12 Months Agent Sales

                       $20/ life                   1-24 lives

                       $22/ life                     25-49 lives

                       $25/ life                     50+ lives

Renewals

                       $22/life              0-74 Current Block Size

                       $25/life              75-124 Current Block Size

                       $22/life              125+ Current Block Size

Individual

Personal BluePlans: Year 1- 20% Medicare Supplement- 20%

Renewals- 10% Renewals- 10%

Replacement Policies- 10%

Short-term Medical: Year 1- 10% MSA: same as Personal Blue

Renewals- 10%

Authorized Agent for BlueChoice HealthPlan and BlueCross BlueShield of South Carolina

BlueChoice HealthPlan is a wholly owned subsidiary of BlueCross BlueShield of South Carolina. Both are independent licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans. "BlueCross", "BlueShield" and "BlueChoice" are registered marks of the Blue Cross and Blue Shield Association.