January 10, 2012

Cherokee Nation & Cherokee Nation Entities Ms. Rebecca Mitchell 17665 South Muskogee Ave. Tahlequah, OK 74465

Dear Ms. Mitchell:

In response to your bid request requirements, you will find the pre-qualifying information as you requested.

Evidence indicating at least 10 years of experience as a TPA/insurance carrier Liberty National Life Insurance Company, originally based in Birmingham, Alabama, traces its origin back to 1900, when its predecessor was founded as the Heralds of Liberty, a fraternal organization. In 1929, Liberty National was incorporated as a stock company. Today Liberty National is a wholly owned subsidiary of Torchmark Corporation and headquartered in McKinney, Texas. We have licensed Agents operating in Branch Offices nationwide and offer life and supplemental health insurance coverage door-to-door to individuals, families, single parents and seniors. In addition, Liberty National has been meeting the needs of Americans, and their families, in the workplace for over 40 years.

Liberty National Life has a rating of A+ (Superior) by financial strength from A.M. Best Company (as of 6/11). Additionally we are rated AA- (Very Strong) from Standard & Poor’s (as of 5/11); A1 Insurer’s Financial Strength rating from Moody (as of 3/11); and A+ “Strong” Insurer’s Financial Strength from Fitch (as of 1/11). We are also on Ward’s Top 50 Life-Health List (as of 7/11).

Errors and Omissions coverage As an insurance carrier, we are self-funded. We are attaching a letter from our Risk Management department indicating the same as well as a copy of our latest balance sheet and income statement.

Evidence of at least 5 years experience administering plans, with three accounts over 2,000 employees Liberty National has been in the worksite arena for over 40 years. Below are references that have been customers for 5 years.

Santa Rosa County School Board 5086 Canal Street Milton, FL 32570 Contact: Cindy Lowery - phone: 850-983-5026 School Board with approximately 2,000 employees Birmingham City Schools P.O. Box 10007 Birmingham AL 35202 Contact: Valerie Bishop (205-231-4723) School District for City of Birmingham with over 1,800 employees

Mobile County Public Schools P.O. Box 1800069 Mobile AL 36618 Contact: Lois Melton (251-221-4456) County School system with over 1,600 employees

Wellborn Cabinet Company P. O. Box 1210 Ashland, AL 36251 Contact: Bobby Cardwell – phone: 256-354-7151 Cabinet Makers with approximately 1,200 employees

Okaloosa County School Board 120 Lowery Place SE Fort Walton Beach FL 32548 Contact: Diane Seigel (850-833-3190) County School Board with over 3,300 employees

Submission of at least 3 references from current groups of at least 1,000 employees Birmingham City Schools P.O. Box 10007 Birmingham AL 35202 Contact: Valerie Bishop (205-231-4723) School District for City of Birmingham with over 1,800 employees

Mobile County Public Schools P.O. Box 1800069 Mobile AL 36618 Contact: Lois Melton (251-221-4456) County School system with over 1,600 employees

Wellborn Cabinet Company P. O. Box 1210 Ashland, AL 36251 Contact: Bobby Cardwell – phone: 256-354-7151 Cabinet Makers with approximately 1,200 employees Creek Indian Enterprises 100 Brookwood Road Atmore AL 36502-3513 Amanda McGhee Phone: 251-368-0819 Approximately 30 lives covered

We hope this information meets with your approval and we look forward to receiving the Request for Proposal documentation. If you have any questions, I can be reached at the contact information below.

Sincerely,

Nick Slagle Branch Manager Liberty National Life Insurance Company 1110 Mathias Drive, Suite E Springdale, AR 72762 Phone: 479-717-2860 Cell: 479-426-5200

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