As compared to Disability:IN’s 2 Normalized Earnings Per Share Compound Annual Growth Rate, as compared to 2015 baseline of $2.08, excluding the impact of corporate tax reform 3 NYSE market closing price as of 12/31/2019, as compared to initial public offering NYSE price on 5/2/2013 4 As of 6/30/2020 5 Portfolio of life, disability, voluntary insurance products, and health savings and spending accounts of individuals covered through the workplace 2020 22019/2020 Impact Report https://disabilityin-bulk.s3.amazonaws.com/2019/2019+DEI+Report+508.pdf As I write this letter in the midst of an unprecedented time for our society, I continue to be humbled by the manner in which our employees have adapted – and persevered – to serve our customers and clients with grace, ingenuity and extraordinary care.