CEBA - CEBA & UBA

CEBA was founded in 1996 by Bill Webb and Candler Bumgarner with
the goal of developing an experienced team of employee benefit
professionals committed to providing a level of service that exceeds
client expectations. Our success through the years stems from our
dedication to open communications and honest dealings with our clients
and vendors. We understand the recommendations we make impact not
only the client, but the lives of all their employees and their families. We
are always mindful of this fact, and so take our role as employee benefit
advisors very seriously.

CEBA is an independent employee benefits agency, which means our
sole purpose is to serve the needs of our clients, not the objectives of a
parent company or stockholders. We tailor our solutions to each client's
needs and support them with superior technical knowledge, personal
service, and value-added technology tools and resources. The bottom
line is, in order for CEBA to thrive, we must deliver results to our
clients, and we do. Our goal is to become each client's trusted
employee benefits advisor.

United Benefit Advisors is one of the nation's largest privately held
employee benefits advisory organizations, with 140 member firms
located in 43 states and Canada. UBA members provide benefits
consulting and brokerage services and best-in-class products to nearly
37,000 private corporations and public employers. By combining
diverse talents, seasoned experience, innovative technologies, and
strategic partnerships, UBA members offer employers exceptional
employee benefits advisory services unmatched in the industry. As
trusted advisors, members help their clients manage over $16 billion
annually in employee benefit expenditures on behalf of 5.4 million
employees and their families.

CEBA is one of just four UBA members in North Carolina. Our
membership provides us access to the shared knowledge of the nation's
premier independent benefits firms, including best practices, research
data, regulatory guidance, and customized technology designed to
support human resources and benefits managers. CEBA also
participates in the annual UBA Health Plan Survey, which is by far the
largest employer-based health plan cost and benefit benchmark survey
of it's kind. The information from this survey is extremely valuable to
CEBA during our evaluation of our clients' health plans.