Based on implementation of Navisys' Web-based business software solution to support applications, illustrations, underwriting and customer serviceBenefit Category Revenue Improvement Cost Savings

New Prod Intro. 2% to 10% 10% to 20%

Distribution 2% to 7% 15% to 30%

Policy Admin./Customer Service Not Yet Determined 10% to 25%

IT Productivity Not Yet Determined 30% to 65%

Source: Navisys Inc.

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