Document:

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                                                                   EXHIBIT 10.23

                   WELLPOINT 401(k) RETIREMENT SAVINGS PLAN

                       Generally Effective January 1, 1997
                      (As Amended through January 1, 2001)

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                    WELLPOINT 401(k) RETIREMENT SAVINGS PLAN

                                TABLE OF CONTENTS

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ARTICLE I HISTORY............................................................1

ARTICLE II DEFINITIONS.......................................................1

      2.01     "Account".....................................................1
      2.02     "Active Participant"..........................................1
      2.03     "Affiliated Company"..........................................2
      2.04     "Annuity Starting Date".......................................2
      2.05     "Beneficiary".................................................2
      2.06     "Code"........................................................2
      2.07     "Committee"...................................................2
      2.08     "Company".....................................................2
      2.09     "Compensation"................................................2
      2.10     "Deferral Rate"...............................................3
      2.11     "Directors"...................................................3
      2.12     "Eligible Employee"...........................................3
      2.13     "Employee"....................................................4
      2.14     "ERISA".......................................................4
      2.15     "401(a)(17) Limit"............................................4
      2.16     "Highly Compensated Employee".................................4
      2.17     "Hour of Service".............................................4
      2.18     "Leased Employee".............................................4
      2.19     "Non-Highly Compensated Employee".............................5
      2.20     "Participant".................................................5
      2.21     "Participating Company".......................................5
      2.22     "Plan"........................................................5
      2.23     "Plan Year"...................................................5
      2.24     "Regulation"..................................................5
      2.25     "Remuneration"................................................5
      2.26     "Temporary Employee"..........................................5
      2.27     "Trust Agreement".............................................5
      2.28     "Trustee".....................................................5
      2.29     "Valuation Date"..............................................5
      2.30     "WellPoint Common Stock"......................................6
      2.31     "WellPoint Common Stock Fund".................................6
      2.32     "Year of Service".............................................6

ARTICLE III SERVICE..........................................................6

      3.01     Hour of Service...............................................6
      3.02     Year of Service...............................................6
      3.03     One Year Period of Severance..................................6
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                                       i.
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      3.04     Severance from Service Date...................................6
      3.05     Reemployment Date.............................................7
      3.06     Military Service..............................................7
      3.07     One Month of Service..........................................7
      3.08     AHI Healthcare Corporation....................................7
      3.09     Sharp Hospitals...............................................7
      3.10     Massachusetts Mutual Life & Health Benefits Management........7
      3.11     Cost Care, Inc. and John Hancock Mutual Life Insurance
               Company.......................................................7
      3.12     1997 Transition Rule for Service Crediting for Former
               Cost Care and Hancock Employees...............................7
      3.13     NCPPO.........................................................8
      3.14     Rush Prudential...............................................8
      3.15     Rx America, LLC...............................................8

ARTICLE IV PARTICIPATION.....................................................8

      4.01     General Rule..................................................8
      4.02     Status........................................................8
      4.03     Rehire and Reinstatement......................................8

ARTICLE V CONTRIBUTIONS......................................................9

      5.01     Salary Deferral Contributions.................................9
      5.02     Matching Contributions........................................9
      5.03     Special Contributions........................................12
      5.04     Rollover Contributions.......................................12
      5.05     Trust-to-Trust  Transfers....................................12
      5.06     Restoration..................................................12
      5.07     Deductibility................................................12
      5.08     Mistake of Fact..............................................13
      5.09     Limits.......................................................13
      5.10     Bonus Contribution...........................................13

ARTICLE VI INVESTMENT FUNDS AND WELLPOINT COMMON STOCK......................14

      6.01     Individual Direction of Investments..........................14
      6.02     WellPoint Common Stock Fund..................................14
      6.03     Purchase Price...............................................14
      6.04     Voting and Tender Offers.....................................14
      6.05     Restriction on Liquidation of Units in a WellPoint
               Common Stock Fund............................................15
      6.06     Responsibility...............................................16

ARTICLE VII VALUATION.......................................................16

ARTICLE VIII VESTING........................................................16

ARTICLE IX IN-SERVICE WITHDRAWALS...........................................16
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                                      ii.
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      9.01     Age 59-1/2...................................................16
      9.02     Rollover Account Withdrawals.................................16
      9.03     Post-Tax Contributions.......................................17
      9.04     Hardship Withdrawals.........................................17
      9.05     Form.........................................................18

ARTICLE X LOANS.............................................................18

      10.01    Authorization................................................18
      10.02    Amount.......................................................18
      10.03    Maximum Number...............................................18
      10.04    Application and Note.........................................18
      10.05    Individual Account...........................................19
      10.06    Interest.....................................................19
      10.07    Repayment....................................................19
      10.08    Default......................................................19
      10.09    Guidelines...................................................19

ARTICLE XI DISTRIBUTION OF BENEFITS.........................................19

      11.01    Date Benefits Become Distributable...........................19
      11.02    Date Benefits Will Be Distributed............................19
      11.03    No Election..................................................20
      11.04    Retroactive Payment..........................................20
      11.05    Inability to Locate Recipient................................20
      11.06    Distribution to Minor or Incompetent.........................20
      11.07    Small Account................................................20
      11.08    Form of Distribution.........................................20
      11.09    Distributions from the WellPoint Common Stock Fund...........20
      11.10    Direct Rollover..............................................21
      11.11    General Waiver of 30-Day Requirement.........................21
      11.12    Special Waiver of 30-Day Requirement.........................21

ARTICLE XII BENEFICIARY DESIGNATIONS........................................22

      12.01    All Participants.............................................22
      12.02    Married Participants.........................................22
      12.03    Ineffective Designation......................................22

ARTICLE XIII CLAIMS PROCEDURE...............................................23

ARTICLE XIV ALIENATION AND QUALIFIED DOMESTIC RELATIONS ORDERS..............23

      14.01    Prohibition..................................................23
      14.02    Qualified Domestic Relations Order...........................23

ARTICLE XV ADMINISTRATION...................................................24

      15.01    Committee....................................................24
      15.02    Power........................................................24
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                                      iii.
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      15.03    Indemnification..............................................24
      15.04    Expenses.....................................................24

ARTICLE XVI AMENDMENTS......................................................24

      16.01    Directors....................................................24
      16.02    Officers.....................................................24
      16.03    Effect.......................................................24

ARTICLE XVII TERMINATION, MERGER AND TRANSFER...............................25

      17.01    Participating Companies......................................25
      17.02    Company......................................................25
      17.03    Determination of Partial Termination.........................25
      17.04    Mergers and Transfers........................................25

ARTICLE XVIII MISCELLANEOUS.................................................25

      18.01    Limitation of Rights.........................................25
      18.02    Satisfaction of Claims.......................................26
      18.03    Construction.................................................26
      18.04    Severability.................................................26
      18.05    Source of Benefits...........................................26
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                                      iv.

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APPENDIX I     TESTING SALARY DEFERRAL AND MATCHING CONTRIBUTIONS

APPENDIX II:   LIMITATIONS ON ALLOCATIONS

APPENDIX III:  TOP HEAVY PROVISIONS

APPENDIX IV:   PARTICIPATION OF UNICARE FINANCIAL CORP. EMPLOYEES

APPENDIX V:    PARTICIPATION OF COST CARE INC. EMPLOYEES

APPENDIX VI:   PARTICIPATION OF JOHN HANCOCK MUTUAL LIFE INSURANCE EMPLOYEES

APPENDIX VII:  PARTICIPATING COMPANIES

APPENDIX VIII: DISTRIBUTIONS PROVISIONS

APPENDIX IX:   MERGER OF NATIONAL CAPITAL PREFERRED PROVIDER ORGANIZATION, INC.
               401(k) PLAN

APPENDIX X:    MERGER OF RUSH PRUDENTIAL HEALTH PLANS RETIREMENT PLAN

                                       v.

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                      WELLPOINT 401(k) RETIREMENT SAVINGS PLAN

                                    ARTICLE I

                                     HISTORY

            Effective July 1, 1992, Blue Cross of California adopted the Salary
Deferral Savings Program of Blue Cross of California. This plan received a
favorable IRS determination letter in November of 1995, and was subsequently
amended. In 1996, the name of the plan was changed to Salary Deferral Savings
Program of WellPoint Health Networks Inc. Effective November 1, 1998, the name
of the plan was changed to WellPoint 401(k) Retirement Savings Plan ("Plan").

            Effective January 1, 1997, or as otherwise specifically indicated
below, this document constitutes a complete amendment and restatement of the
Plan. The principal purposes of this amendment and restatement are to update the
Plan for technical and legislative changes, to incorporate changes made to the
Plan after the 1995 IRS determination letter referred to above, and to document
the mergers of the Cost Care Inc. Savings Plan ("Cost Care Plan"), a portion of
The Investment-Incentive Plan for John Hancock Employees (which portion is
hereafter referred to as the "Hancock Plan"), the National Capital Preferred
Provider Organization, Inc. 401(k) Plan and the Rush Prudential Health Plans
Retirement Plan into this Plan.

            The rights and benefits of a Participant in this Plan who ceased to
be an Employee before January 1, 1997 will be determined in accordance with the
provisions of the Plan in effect on the date on which that Participant ceased to
be an Employee, and any provisions of this Plan that are specifically made
effective to such date.

                                   ARTICLE II

                                   DEFINITIONS

            This Plan is subject to technical restrictions that are outlined in
Appendices which, by this reference, are incorporated into the Plan. Terms that
are used in a single Article or Appendix are generally defined in that Article
or Appendix. The following terms are used throughout the Plan.

     2.01 "ACCOUNT" means the value of all Accounts maintained on
behalf of a Participant or Beneficiary. An Account may include a Special
Contributions Account, a Salary Deferral Contributions Account, Matching
Contributions Accounts, a Loan Account, Rollover Accounts, a Profit Sharing
Contributions Account, and a Post-Tax Contributions Account.

     2.02 "ACTIVE PARTICIPANT" means a Participant with a Salary
Deferral Contribution election currently in effect.

                                       1.
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     2.03 "AFFILIATED COMPANY" means a Participating Company and, with
respect to a Participating Company, (i) any corporation that, pursuant to
Section 414(b) of the Code, is a member of a controlled group of corporations
of which the Parti cipating Company is a member; (ii) any employer that,
pursuant to Section 414(c) of the Code, is under common control with the
Participating Company; (iii) any employer that, pursuant to Section 414(m) of
the Code, is a member of an affiliated service group of which the
Participating Company is a member and (iv) any employer that, pursuant to
Section 414(o) of the Code, is required to be aggregated with the
Participating Company.

            2.04 "ANNUITY STARTING DATE" means the first date for which an
amount is payable as an annuity or, in the case of a benefit not payable as
an annuity, the first day on which all events have occurred that entitle a
Participant, or Beneficiary, as the case may be, to a benefit under this Plan.

     2.05 "BENEFICIARY" means the person(s) or entity entitled to
receive a Participant's Account if the Participant dies before distribution
of his or her entire Account.

     2.06 "CODE" means the Internal Revenue Code of 1986, as amended.

     2.07 "COMMITTEE" means the entity that, pursuant to Article XV,
administers the Plan.

     2.08 "COMPANY" means, effective May 20, 1996, WellPoint Health
Networks Inc. or a successor to all or a major portion of the assets or
business of WellPoint Health Networks Inc. that, by appropriate action,
adopts the Plan.

     2.09 "COMPENSATION" means all regular base earnings paid by a
Participating Company.

            (a)   AMOUNTS INCLUDED.  A reference to Compensation also
includes, but is not limited to, the following items, subject to subsection (c):

                  (1)   vacation pay;

                  (2)   salary continuance (other than severance);

                  (3)   sick leave paid by a Participating Company;

                  (4)   salary deferrals under the WellPoint Health Networks
      Inc. Comprehensive Executive Non-Qualified Retirement Plan;

                  (4)   sales commissions;

                  (5)   overtime;

                  (6)   elective contributions that are not includible in
income under Code Sections 125, 402(e)(3), 402(h) or 403(b);

                  (7)   all bonuses (other than starting bonuses) and
incentive payments (other than Instabucks);

                                       2.
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                   (8) pay in-lieu-of Blue Cross days that are unused at a
Participant's termination of employment occurring in the period starting January
1, 2000 and ending February 27, 2001; and

                  (9) pay in-lieu-of vacation days or floating holidays that are
unused at a Participant's termination of employment prior to 1998 or occurring
in the period starting January 1, 2000 and ending February 27, 2001.

            (b)   EXCLUSIONS.  Base earnings does not include:

                  (1)   severance pay;

                  (2)   imputed income;

                  (3)   moving expenses;

                  (4)   awards (including, but not limited to, Honor, Impact,
Recognition, car pool, and general awards); or

                  (5)   payments made under any group insurance plan.

            (c)   EXCEPTIONS. Compensation shall not include any pay
in-lieu-of vacation days, floating holidays, or Blue Cross days that are
unused at terminations of employment occurring on and after February 28, 2001.

                  Prior to January 1, 2001, the definition of Compensation read
            as follows:

                  "COMPENSATION" means all regular base earnings paid by a
            Participating Company, which includes vacations, pay in-lieu-of
            vacation or floating holidays (if pay in-lieu-of vacation or
            floating holidays was paid before January 1, 1998), salary
            continuance (other than severance), and sick leave paid by a
            Participating Company. Compensation also includes sales commissions,
            overtime, elective contributions that are not includible in income
            under Code Sections 125, 402(e)(3), 402(h) or 403(b), and all
            bonuses (except starting bonuses) and incentive payments (except
            Instabucks).

                  (a)   EXCLUSIONS. Compensation does not include severance
            pay, imputed income, moving expenses, payments made under any group
            insurance plan, or effective January 1, 1998, pay in lieu of
            vacation or floating holidays.

                  (b)   LIMIT. With respect to any Plan Year, the annual
            Compensation of any Participant taken into account pursuant to this
            definition will not exceed $150,000 (indexed).

     2.10 "Deferral Rate" means the percentage of Compensation that a
Participant elects to defer as described in Section 5.01.

     2.11 "DIRECTORS" means the Board of Directors of the Company.

     2.12 "ELIGIBLE EMPLOYEE" means an Employee of a Participating
Company, other than (i) an Employee who has not attained the age of eighteen
(18), (ii) a Leased Employee, (iii) a Temporary Employee, (iv) a non-resident
alien who receives no earned income

                                       3.
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from sources within the United States, and (iv) an Employee whose employment is
governed by the terms of a collective bargaining agreement, unless a
Participating Company is a party to the agreement and the agreement provides for
coverage of the Employee under this Plan.

            An Eligible Employee does not include (and has not at any time
included) any individual during any period that individual is not classified or
treated by an Affiliated Company as a common-law employee of an Affiliated
Company, without regard to whether such individual is subsequently determined to
have been a common-law employee of an Affiliated Company.

            Notwithstanding anything to the contrary in any Plan document, the
collective bargaining agreement between Blue Cross of California and the Office
and Professional Employees International Union Local 29, AFL-CIO that became
effective November 16, 1994 governs the determination as to whether individuals
covered by that agreement for the period beginning November 16, 1994 and ending
on the date that the terms of that agreement expire are Eligible Employees for
purposes of the participation provisions of the Plan.

     2.13 "EMPLOYEE" means a person who is employed by an Affiliated
Company and any Leased Employee.

     2.14 "ERISA" means the Employee Retirement Income Security Act of
1974, as amended.

     2.15 "401(a)(17) Limit" means the indexed limit on compensation
that may be taken into account under the Plan as provided under Section
401(a)(17) of the Code.

     2.16 "HIGHLY COMPENSATED EMPLOYEE" means (i) any 5% owner during
the current Plan Year or the preceding Plan Year (the "lookback year") and
(ii) any Employee receiving Remuneration from a Participating Company in the
lookback year in excess of $80,000 as indexed pursuant to Code Section 414(q)
and, if elected by the Company, who was in the top 20% of Employees ranked by
Remuneration.

     2.17 "HOUR OF SERVICE" is defined in Article III.

     2.18 "LEASED EMPLOYEE" means an individual who is not otherwise an
Employee and who, pursuant to Code Section 414(n), performs services under
primary direction or control of the Participating Company on a substantially
full-time basis. Notwithstanding the foregoing, an individual will not be
treated as a Leased Employee for a Plan Year for nondiscrimination testing or
for any other purpose if either (a) or (b) below is applicable for that Plan
Year:

                  (a) SAFEHARBOR PLAN. The individual is covered by a money
            purchase pension plan maintained by the leasing organization meeting
            the requirements of Code Section 414(n)(5)(B), and leased employees
            (determined without regard to this exception) do not constitute
            more than 20% of all Non-Highly Compensated Employees of all
            Affiliated Companies.

                  (b) RECORDKEEPING EXCEPTION. The Committee has not been
            notified by the individual that the individual is a leased employee,
            the qualified plans (within the meaning of Code Section 401(a)) that
            are maintained by each Affiliated Company exclude leased employees
            from participation, none of these plans is top heavy (within the
            meaning of Code Section 416), and the number of leased persons who,
            during that Plan Year, perform at least 1500 Hours of

                                       4.
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Service of work described in Code Sections 414(n)(2)(A) and (C) for any
Affiliated Company is less than 5% of the number of Employees (excluding leased
persons and Highly Compensated Employees) covered by the qualified plans (within
the meaning of Code Section 401(a)) of all Affiliated Companies at any time
during the Plan Year.

     2.19 "NON-HIGHLY COMPENSATED EMPLOYEE" is an Employee who is not
a Highly Compensated Employee.

     2.20 "PARTICIPANT" means (i) any Eligible Employee who becomes a
Participant under Article IV or Article V and retains an Account under the
Plan and (ii) any individual not described in clause (i) who had an account
balance in another tax-qualified retirement plan as of the date such plan is
merged with the Plan, but only for the period the individual retains an
Account under the Plan.

     2.21 "PARTICIPATING COMPANY" means the Company and any other
company that is authorized in writing by the Directors or by an officer of
the Company at the level of Senior Vice President or above to participate in
the Plan, and that elects to participate in the Plan on behalf of its
Eligible Employees. Entities that are Participating Companies as of January
1, 2001 are listed in the Participating Companies Appendix to this Plan.

     2.22 "PLAN" means, effective November 1, 1998, the WellPoint
401(k) Retirement Savings Plan as amended from time to time. Prior to
November 1, 1998, the name of the Plan was the Salary Deferral Savings
Program of WellPoint Health Networks Inc.

     2.23 "PLAN YEAR" means the calendar year.

     2.24 "REGULATION" means Treasury Regulations issued under provisions of
the Internal Revenue Code.

     2.25 "REMUNERATION" means compensation as defined in Code Section
415(c)(3) and in accordance with Treasury Regulation sections 1.415-2(d)(2)
and 1.415-2(d)(3). This alternate definition of compensation is used for
purposes of the Highly Compensated Employee definition in Section 2.15 and
the Testing Salary Deferral and Matching Contributions Appendix, the
Limitations on Allocations Appendix and the Top Heavy Appendix to this Plan.
Remuneration also includes an Employee's elective deferrals under a qualified
cash or deferred arrangement described in Code Sections 401(k) and 402(e)(3),
a simplified employee pension plan described in Code Section 408(k)(6), and a
cafeteria plan described in Code Section 125.

     2.26 "TEMPORARY EMPLOYEE" means an Employee who is categorized as
a temporary employee by a Participating Company and who performs fewer than
1000 Hours of Service during any consecutive 12-month period.

     2.27 "TRUST AGREEMENT" means an agreement entered into between the
Company (on behalf of all Participating Companies) and a Trustee to provide
for the investment, management and control of Plan assets.

     2.28 "TRUSTEE" means any person or entity appointed by the Company to
hold the Plan's assets.

     2.29 "VALUATION DATE" means the last business day of each Plan Year, and
such other date or dates as may be designated by the Committee for the
valuation of Accounts.

                                       5.
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     2.30 "WELLPOINT COMMON STOCK" means the common stock of the Company.

     2.31 "WELLPOINT COMMON STOCK FUND" means the investment fund established
by the Committee to permit investment of Participants' Accounts in WellPoint
Common Stock.

     2.32 "YEAR OF SERVICE" is defined in Article III of the Plan.

                                   ARTICLE III

                                     SERVICE

     3.01 HOUR OF SERVICE. An Hour of Service is each hour for which an Employee
is paid or entitled to payment for the performance of services for an Affiliated
Company.

     3.02 YEAR OF SERVICE. A Year of Service is a consecutive or non-consecutive
12-month period beginning on the first date that an Employee performs an Hour of
Service, on a Reemployment Date (as defined below) or on an anniversary of
either of these dates. Any period of less than 12 consecutive months during
which an Employee does not perform an Hour of Service will be counted when
computing Years of Service. A One Year (or longer) Period of Severance (as
defined below) will not be counted when computing Years of Service.

     3.03 ONE YEAR PERIOD OF SEVERANCE. A One Year Period of Severance is a 12
consecutive month period that begins on an individual's Severance from Service
Date (as defined below), or on an anniversary of that date, during which the
individual does not perform an Hour of Service.

     3.04 SEVERANCE FROM SERVICE DATE. An Employee's Severance from Service Date
is the earliest of the date on which the Employee quits, retires, is discharged
or dies, or the first anniversary of the first date of an Employee's absence for
any other reason.

          (a) CREDITING. Solely for the purpose of determining whether a
     Participant has incurred a One Year Period of Severance, a Participant will
     not incur the first One Year Period of Severance that would otherwise be
     counted if severance is due to an Authorized Leave of Absence (as defined
     below) or a Maternity or Paternity Leave (as defined below).

          (b) AUTHORIZED LEAVE OF ABSENCE. Authorized Leave of Absence means a
     paid or unpaid, temporary cessation from active employment with an
     Affiliated Company for up to 12 months pursuant to an established policy,
     due to illness, disability, vacation, a temporary layoff, public service,
     or any other reason.

          (c) MATERNITY OR PATERNITY LEAVE. Maternity or Paternity Leave means
     an unpaid absence from work for any period by reason of the Employee's
     pregnancy, birth of the Employee's child, placement of a child with the
     Employee in connection with the adoption of such child, or any absence for
     the purpose of caring for such child for a period immediately following
     such birth or placement.

          (d) FAILURE TO RETURN. If a Participant fails to return to work
     immediately on expiration of an Authorized Leave of Absence or Maternity or
     Paternity Leave, no credit shall

                                       6.
<PAGE>

     be given for the Authorized Leave of Absence or Maternity or Paternity
     Leave pursuant to this Section.

     3.05 REEMPLOYMENT DATE. An Employee's Reemployment Date is the first date

on which the Employee performs an Hour of Service after a One Year Period of
Severance.

     3.06 MILITARY SERVICE. Notwithstanding any provision of this Plan to the
contrary, contributions and benefits with respect to qualified military service
will be provided to the extent required by Code Section 414(u).

     3.07 ONE MONTH OF SERVICE. An Employee will be credited with One Month of
Service on the date that the Employee has been on the payroll of an Affiliated
Company, as an Employee, for one full calendar month.

     3.08 AHI HEALTHCARE CORPORATION. Effective for Employees hired on or after
April 1, 1995 and before October 1, 1997, those Employees will have all of their
service with AHI Healthcare Corporation (or any wholly owned subsidiary thereof)
prior to April 1, 1995 treated as service with the Company for all purposes
under this Plan; provided, however, that such Employees will not be eligible to
receive Matching Contributions under this Plan.

     3.09 SHARP HOSPITALS. Individuals who were employed by Sharp Hospitals on
February 4, 1996, and who became Employees due to a corporate transaction on
February 5, 1996, will receive credit under this Plan for all of their service
with Sharp Hospitals; provided, however, that no such service will be credited
for purposes of determining whether an individual is eligible for the
Grandfathered Match that was implemented in 1997.

     3.10 MASSACHUSETTS MUTUAL LIFE & HEALTH BENEFITS MANAGEMENT. Effective for
Employees hired on or after April 1, 1996 and before October 1, 1997, those
Employees will have all of their service with Massachusetts Mutual Life
Insurance Company prior to April 1, 1996 treated as service with the Company for
all purposes under this Plan except for purposes of the Grandfathered Match that
was implemented in 1997.

     3.11 COST CARE, INC. AND JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY.
Individuals who were employed by Cost Care, Inc. ("Cost Care") or by John
Hancock Mutual Life Insurance Company ("Hancock") on February 28, 1997, and who
became Employees due to a corporate transaction on March 1, 1997 (each a
"Transferred 1997 Employee") will receive credit under this Plan for all of
their service with Cost Care and/or with Hancock through December 31, 1996;
provided, however, that no such service will be credited for purposes of
determining whether an individual is eligible for the Grandfathered Match that
was implemented in 1997. Effective January 1, 1997, the elapsed time service
crediting rules of this Plan will apply for crediting service to Transferred
1997 Employees. For these purposes, a Participant's service under the Cost Care,
Inc. Savings Plan and/or the Investment-Incentive Plan for John Hancock
Employees, as the case may be, from January 1, 1997 through the date ("Hire
Date") in 1997 that the individual became an Employee of the Company will be
added to the Participant's service under this Plan from the Participant's Hire
Date forward.

     3.12 1997 TRANSITION RULE FOR SERVICE CREDITING FOR FORMER COST CARE AND
HANCOCK EMPLOYEES. For the Plan Year ending December 31, 1997, a Transferred
1997 Employee who would not otherwise be credited with one Year of Service under
the service crediting rules of this Plan (other than this rule) will be credited
with one Year of Service under this Plan if the Transferred 1997 Employee was
credited with 1000 Hours of Service under the

                                       7.
<PAGE>

Cost Care, Inc. Savings Plan or under the Investment-Incentive Plan for Hancock
Employees for the period beginning January 1, 1997 and ending on his or her Hire
Date. Notwithstanding the foregoing, no such service will be used to determine
whether an individual is eligible for the Grandfathered Match that was
implemented in 1997.

     3.13 NCPPO. Individuals who were employed by National Capital Preferred
Provider Organization, Inc. ("NCPPO") immediately prior to June 1, 1999, and who
became Employees due to a corporate transaction on June 1, 1999, will receive
credit under the Plan for all of their service with NCPPO, provided, however,
that no such service will be credited for purposes of determining whether an
individual is eligible for the Grandfathered Match that was implemented in 1997.

     3.14 RUSH PRUDENTIAL. Individuals who were employed by Rush Prudential
Health Plans ("Rush Prudential") immediately prior to March 1, 2000, and who
became Employees due to a corporate transaction on March 1, 2000, will receive
credit under the Plan for all of their service with Rush Prudential, provided,
however, that no such service will be credited for purposes of determining
whether an individual is eligible for the Grandfathered Match that was
implemented in 1997.

     3.15 RX AMERICA, LLC. Individuals who were employed by Rx American, LLC
("Rx America") immediately prior to December 5, 2000, and who became Employees
due to a corporation transaction on December 5, 2000, will receive credit under
the Plan for all of their service with Rx America, provided, however, that no
such service will be credited for purposes of determining whether an individual
is eligible for the Grandfathered Match that was implemented in 1997.

                                   ARTICLE IV
                                  PARTICIPATION

     4.01 GENERAL RULE. An Eligible Employee can elect to become a Participant
on the first day of the first calendar month coincident with or next following
the EARLIER of the following dates by entering into a Salary Deferral
Contribution election:

          (a) ONE MONTH OF SERVICE. The date on which the Eligible Employee has
     been credited with One Month of Service; or

          (b) ONE YEAR OF SERVICE. The date that the Eligible Employee has been
     credited with a Year of Service.

     4.02 STATUS. If an Employee is not an Eligible Employee on the date that he
or she has satisfied the applicable participation requirements outlined above,
the Employee can elect to become a Participant on the first day of the calendar
month coincident with or next following the calendar month in which the Employee
performs an Hour of Service as an Eligible Employee.

     4.03 REHIRE AND REINSTATEMENT. A rehired individual or a reinstated
individual who is an Eligible Employee and who previously satisfied the
eligibility requirements in this Section will become an Active Participant on
the first day of the calendar month following the month in which the individual
enters into a Salary Deferral Contribution election.

                                       8.
<PAGE>

                                   ARTICLE V

                                  CONTRIBUTIONS

     5.01 Salary Deferral Contributions. A Participant may elect to have a
Participating Company reduce the amount of his or her Compensation for each
payroll period by from 2% to 15% and to have that amount contributed to the Plan
as a Salary Deferral Contribution on his or her behalf. In no event will a
Participant's total Salary Deferral Contribution for a Plan Year exceed the
indexed limit determined under Code Section 402(g). A Participant may initiate
or change the percentage of Salary Deferral Contribution (in 1% increments) by
submitting a notice to the Committee that satisfies such requirements as the
Committee shall determine. In no event will a Participant's Salary Deferral
Contribution for a Plan Year exceed an amount equal to the Participant's
Deferral Rate times the 401(a)(17) Limit in effect for the Plan Year. The
Committee will implement the Participant's Salary Deferral Contribution election
as soon as administratively practicable.

          (a) ALLOCATION. A Participant's Salary Deferral Contributions will be
     credited to that Participant's Salary Deferral Contributions Account.

          (b) HIGHLY COMPENSATED LIMIT. The Committee or its delegate may limit
     the amount of Compensation that Highly Compensated Employees (determined as
     of the end of the immediately preceding Plan Year) are authorized to defer
     under this Plan as Salary Deferral Contributions.

     5.02 MATCHING CONTRIBUTIONS. A Participant's Matching Contributions will be
credited to that Participant's Matching Contributions Account. Unless provided
otherwise in a writing signed by an officer of the Company at the level of
Senior Vice President or above, and subject to the provisos in (b), (c), (d),
(e), (f) and (g) below, for payroll periods ending on or after January 1, 1997,
the schedule outlined in (a) below will be used to determine the amount of
Matching Contributions and the match will be made in units of a WellPoint Common
Stock Fund to the extent provided in (c) below.

          (a) GENERAL RULE. Except as provided in (b) below, effective November
     1, 1998, Matching Contributions will equal 75% (or a greater or lesser
     percentage determined by each Participating Company before the payroll
     period) of the Salary Deferral Contribution that the Participant directed
     during the Plan Year, while eligible for Matching Contributions as provided
     in Section 5.02(g) of the Plan. Notwithstanding the foregoing, Salary
     Deferral Contributions in excess of 6% of a Participant's Compensation (or
     such greater or lesser percentage determined by each Participating Company
     before the payroll period) will not be matched. In no event will a
     Participant's Matching Contributions for a Plan Year exceed 6% (or such
     greater or lesser percentage determined by each Participating Company
     before the payroll period) of the 401(a)(17) Limit in effect for the Plan
     Year. To the extent administratively feasible, Matching Contributions will
     be credited to a Participant's Account on a payroll period by payroll
     period basis.

                  Prior to November 1, 1998, this subsection (a) read as
            follows: Except as provided in (b) below, at the beginning of the
            first payroll period ending on or after January 1, 1997, Matching
            Contributions for a payroll period for each Participant will equal
            75% (or a greater or lesser percentage determined by each

                                       9.
<PAGE>

            Participating Company before the payroll period) of the Salary
            Deferral Contribution that the Participant directed during the
            payroll period. However, no Matching Contribution will be made with
            respect to that portion of the Salary Deferral Participant's Salary
            Deferral Contribution that exceeds 6% of the Participant's
            Compensation in the Plan Year, or such greater or lesser amount as
            each Participating Company may determine before the payroll period.

          (b) GRANDFATHERED MATCH. Effective November 1, 1998, the provisions on
     this subsection (b) will govern the calculation of the Matching
     Contribution of a Participant with 10 or more years of Service at the
     beginning of the first payroll period ending after January 1, 1997 other
     than a Participant covered by a collective bargaining agreement as
     described in Section 5.02(d) below. For Participants with 10 or more but
     less than 20 Years of Service at the beginning of the first payroll period
     ending on or after January 1, 1997, Matching Contributions will equal 85%
     of the Salary Deferral Contribution that the Participant directed during
     the Plan Year, while eligible for Matching Contributions as provided in
     Section 5.02(g) of the Plan. For Participants with 20 or more Years of
     Service at the beginning of the first payroll period ending on or after
     January 1, 1997, Matching Contributions will equal 100% of the Salary
     Deferral Contribution that the Participant directed during the Plan Year,
     while eligible for Matching Contributions as provided in Section 5.02(g) of
     the Plan. Notwithstanding the foregoing, Salary Deferral Contributions in
     excess of 6% of a Participant's Compensation will not be matched. To the
     extent administratively feasible, Matching Contributions will be credited
     to a Participant's Account on a payroll period by payroll period basis. In
     no event will any other provision of the Plan granting service credit with
     a prior employer while such employer is not an Affiliated Company be taken
     into account in determining eligibility for the Grandfathered Match
     described in this subsection (b).

                  Prior to November 1, 1998, this subsection (b) read as
            follows: For Participants with 10 or more but less than 20 Years of
            Service at the beginning of the first payroll period ending on or
            after January 1, 1997, Matching Contributions will equal 85% of the
            Salary Deferral Contribution that the Participant directed during
            the payroll period. For Participants with 20 or more Years of
            Service at the beginning of the first payroll period ending on or
            after January 1, 1997, Matching Contributions will equal 100% of the
            Salary Deferral Contribution that the Participant directed during
            the payroll period. However, no Matching Contribution will be made
            with respect to that portion of the Salary Deferral Participant's
            Salary Deferral Contribution that exceeds 6% of the Participant's
            Compensation in the Plan Year.

          (c) MATCH IN UNITS OF WELLPOINT COMMON STOCK FUND. Effective as of the
     first payroll period ending on or after January 1, 1998, all Participants
     eligible to receive an allocation of Matching Contributions as described in
     subsections (a) and (b) above will receive 33.33% of their Matching
     Contribution in the form of units of a WellPoint Common Stock Fund.

                  The following provision applies to payroll periods ending
            before January 1, 1998: Participants described in (a) above will
            receive 33.3% of their Matching Contribution in the form of units of
            a WellPoint Common Stock Fund. Participants described in (b) above
            who are receiving a Matching Contribution based on 85% of their
            Salary Deferral Contribution will receive 29.41% of their Matching
            Contribution in the form of units of a WellPoint Common Stock Fund.
            Participants described in (b) above who are receiving a Matching
            Contribution

                                      10.
<PAGE>

            based on 100% of their Salary Deferral Contribution will receive 25%
            of their Matching Contribution in the form of units of a WellPoint
            Common Stock Fund. Units of such a WellPoint Common Stock Fund that
            are received as a Matching Contribution pursuant to this paragraph
            (c) will be subject to the liquidation restrictions
            outlined in Article VI.

          (d) COLLECTIVE BARGAINING AGREEMENT. If the employment of an Eligible
     Employee is governed by the terms of a collective bargaining agreement
     ("Bargaining Unit Employee") between Blue Cross of California and the
     Office and Professional Employees International Union Local 29, AFL-CIO
     that became effective November 16, 1997 ("Local 29 Agreement"), the Company
     will cover that Bargaining Unit Employee in the Plan as in effect on the
     effective date of the Local 29 Agreement, and as the Plan may be changed to
     comply with applicable law. The Matching Contributions rate for such
     Bargaining Unit Employees who are employed by Blue Cross of California on
     November 16, 1997 ("Eligible Local 29 Employees") and who have one Year of
     Service, but less than 10 Years of Service will be 75% of the Participant's
     Salary Deferral Contribution for the Plan Year; for Eligible Local 29
     Employees with 10 or more Years of Service but less than 20, the rate will
     be 85% of the Participant's Salary Deferral Contribution for the Plan Year;
     for Eligible Local 29 Employees with 20 Years of Service, the rate will be
     100% of the Participant's Salary Deferral Contribution for the Plan Year.
     The rate of Matching Contributions for all Eligible Local 29 Employees will
     be frozen at November 15, 2000 levels, based on each such Employee's Years
     of Service at that date. With respect to any other Bargaining Unit
     Employee, the level and the form (e.g., stock or cash) of Matching
     Contributions provided to such Employees will be governed by the terms of
     the applicable bargaining agreement.

          (e) LEAVE. Prior to October 1, 1997, this subsection (e) read as
     follows: Notwithstanding anything to the contrary in this Plan, a
     Participant's eligibility to receive Matching Contributions will cease as
     of the first day of the first full payroll period immediately following 8
     consecutive work days (excluding week-ends and holidays) during which the
     Participant was absent from work due to a paid sick leave. Such a
     Participant will again become eligible to receive Matching Contributions,
     as otherwise provided under this Section, as of the first day of the first
     full payroll period immediately following the Participant's return to work
     after such a leave. Subsection (e) is eliminated from the Plan effective
     October 1, 1997.

          (f) NO MATCH. Notwithstanding anything to the contrary in this Plan,
     if WellPoint Practice Management Company, Inc. (formerly known as WellPoint
     Dental Services, Inc.), The Professional Medical Associates of Santa
     Barbara, Health Management Associates of San Luis Obispo, Health Management
     Associates of Santa Barbara, and/or any successor to any of them become a
     Participating Company, their Employees will not be eligible to receive
     Matching Contributions under this Plan.

          (g) MATCH ELIGIBILITY. Effective for the first payroll period ending
     on or after October 1, 1997, an Employee is not eligible to receive a
     Matching Contribution under this Plan for Compensation earned prior to the
     payroll period during which the Participant is credited with a Year of
     Service measured from his or her date of hire (if a new Employee) or date
     of rehire (following the Employee's separation from service with all
     Affiliated Companies for any reason). For this purpose, a reinstatement is
     not treated as a rehire.

                  The following provision applies for payroll periods ending
            before October 1, 1997: An Employee is not eligible to receive a
            Matching Contribution

                                      11.
<PAGE>

            under this Plan until the first day of the first calendar month
            coincident with or next following the Employee's completion of One
            Year of Service measured from his or her date of hire (if a new
            Employee) or date of rehire (following the Employee's separation
            from service with all Affiliated Companies for any reason). For this
            purpose, a reinstatement is not treated as a rehire.

     5.03 SPECIAL CONTRIBUTIONS. Other than a Bonus Contribution described in
Section 5.10 below, a Participating Company may authorize qualified nonelective
employer contributions to the extent needed to satisfy the tests described in
the Testing Salary Deferral and Matching Contributions Appendix to this Plan.
These qualified nonelective employer contributions will be allocated to the
Accounts of Eligible Employees who are Non-Highly Compensated Employees from the
lowest paid to the highest paid in an amount up to or equal to their Code
Section 415 allocation limit.

     5.04 ROLLOVER CONTRIBUTIONS. The Committee or its delegate may authorize a
Trustee to accept a contribution, that represents all or part of an Eligible
Rollover Distribution as defined in Section 11.10(a), made in cash and
attributable to a distributi on received by an Eligible Employee from another
tax-qualified plan. Rollover Contributions will be held in the Participant's
Rollover Account. Rollover Contributions from an IRA established to hold only
distributions from a tax-qualified plan within the meaning of Section 401(a) of
the Code (e.g., a "Conduit IRA") will be accepted after 1997.

     5.05 TRUST-TO-TRUST TRANSFERS.

          (a) PERMISSIBLE TRANSFERS. The Committee or its delegate may authorize
     a Trustee to accept a trust-to-trust transfer of assets from another
     tax-qualified plan within the meaning of Section 401(a) of the Code. Except
     as specifically provided to the contrary in this Plan document, securities
     of other companies and assets that are subject to the survivor annuity
     requirements of Code Section 401(a)(11) will not be accepted as part of a
     trust-to-trust transfer.

          (b) OPERATIONAL PROVISIONS. Amounts received in a trust-to-trust
     transfer will be allocated to corresponding Accounts under this Plan.
     Amounts that are subject to the survivor annuity requirements of Code
     Section 401(a)(11) will be accounted for separately. Trust-to-trust
     transfers will not be subject to the Limitations on Allocations Appendix to
     this Plan.

     5.06 RESTORATION. If a Participant was improperly excluded at any time from
an allocation, an amount computed on the same basis as the allocation will be
added to that Participant's Account, after that amount has been adjusted to
reflect reasonable gain or loss as determined by the Committee.

     5.07 DEDUCTIBILITY. To the extent that a Participating Company is not
allowed a current deduction under the Code for any contribution made to the
Plan, the Participating Company may, within one year following a final
determination of the disallowance, whether by agreement with the Internal
Revenue Service or by final decision of a court of competent jurisdiction,
demand repayment of the disallowed contribution, and the Trustee shall return
the contribution within one year following the disallowance. Earnings of the
Plan attributable to such a contribution may not be returned to the
Participating Company, but losses attributable to such a contribution will
reduce the amount returned.

                                      12.

<PAGE>

     5.08 MISTAKE OF FACT. If, within one year of the making of a contribution
to the Plan, the Committee certifies to the Trustee that the contribution was
made by a Participating Company under a mistake of fact, the Trustee will,
before the expiration of that year, return the contribution to the Participating
Company.

     5.09 LIMITS. As more fully discussed in Appendices to this Plan, Salary
Deferral, Matching and Special Contributions are subject to additional limits.

     5.10 BONUS CONTRIBUTION. Effective for Plan Years beginning on and after
January 1, 2000, a discretionary Bonus Contribution (as defined in subsection
(b) below) may be made to the Account of a Bonus Eligible Employee (as defined
in subsection (b) below) in an amount to be determined in the sole discretion of
the Company. The contribution may be made in a specified number of shares of the
common stock of the Company, a specified number of shares of common stock of the
Company per Bonus Eligible Employee or a flat dollar amount. The Bonus
Contribution will be allocated on a per capita basis to the Profit Sharing
Account established for each Bonus Eligible Employee.

          (a) LIQUIDATION RESTRICTION. To the extent that the Bonus Contribution
     is made in the form of shares of the common stock of the Company, such
     units may not be liquidated and invested in another investment fund under
     the Plan before the earliest to occur of (1), (2), or (3) below:

                    (1) The date that the Participant attains age 55.

                    (2) The date that the Participant ceases to be a common law
               Employee of all Affiliated Companies.

                    (3) Any date after the last day of the Plan Year in which
               the Bonus Contribution is made.

Any units acquired due to a stock dividend or a stock split will be subject to
the liquidation restrictions outlined in this subsection (a). Any units acquired
due to a stock dividend or a stock split will be considered to have been
credited to a Participant's Account as of the date that units representing the
original shares were credited to that Participant's Account. Cash dividends on
WellPoint Common Stock will not be subject to the liquidation restrictions
outlined in this subsection (a).

                  (b)   DEFINITIONS.

                        (1)   A "Bonus Contribution" refers to a qualified
nonelective employer profit sharing contribution made at the sole discretion of
the Company that is 100% vested when made and subject to the distribution
restrictions applicable to Salary Deferral Contributions. Bonus Contributions
may be taken into account to the extent necessary to satisfy the tests described
in the Testing Salary Deferral and Matching Contributions Appendix to this Plan.

                        (2)   A "Bonus Eligible Employee" refers to each
Employee of a Participating Company employed on the effective date of the Bonus
Contribution (including any such Employee on an authorized leave of absence as
of such effective date who returns to employment at the end of the leave), a
Temporary Employee, a non-resident alien who receives

                                       13.
<PAGE>

no earned income from sources within the United States, an Employee who has not
attained age 18 or an Employee whose terms of employment are governed by a
collective bargaining agreement except to the extent such agreement expressly
provides for an allocation of any Bonus Contribution.

                                   ARTICLE VI

                 INVESTMENT FUNDS AND WELLPOINT COMMON STOCK

     6.01 INDIVIDUAL DIRECTION OF INVESTMENTS. At the written direction of an
officer of the Company at the level of Senior Vice President or above, the
Trustee will establish separate funds to which Participants may direct the
investment of their Accounts. Investment in these funds will be subject to such
restrictions and administrative procedures as are imposed by the Committee,
pursuant to its discretionary authority to administer and interpret the Plan,
including, but not limited to, procedures for investment of amounts for which no
investment direction is given by a Participant.

     6.02 WELLPOINT COMMON STOCK FUND. At the discretion of the Committee, the
Plan may acquire and hold WellPoint Common Stock. Participants may elect to
invest amounts held in their Account in units of a WellPoint Common Stock Fund
established by the Trustee pursuant to Section 6.01 of the Plan subject to such
restrictions and administrative procedures as are imposed by the Committee,
pursuant to its discretionary authority to administer and interpret the Plan.

     6.03 PURCHASE PRICE. All purchases and sales of WellPoint Common Stock by a
WellPoint Common Stock Fund will be effected at the prevailing market price.

                6.04 VOTING AND TENDER OFFERS.

          (a) PROXY VOTES. A Participant may direct voting of the shares of
     WellPoint Common Stock underlying the Participant's interest in a WellPoint
     Common Stock Fund. The Trustee will vote such shares in accordance with the
     directions of Participants, as communicated in writing to the Trustee.

               (i) NOTIFICATION. A Participant whose Account is invested in a
          WellPoint Common Stock Fund will be notified by the Trustee (or by
          WellPoint Health Networks Inc., pursuant to its normal communications
          with shareholders) of each occasion for the exercise of voting rights,
          within a reasonable time before those voting rights are to be
          exercised. This notification will include all proxy statements and
          other information distributed by WellPoint Health Networks Inc. to
          shareholders generally, regarding the exercise of voting rights.

               (ii) NO DIRECTION. To the extent that a Participant fails to
          direct the Trustee, in whole or in part, as to the exercise of voting
          rights with respect to any WellPoint Common Stock underlying the
          Participant's interest in a WellPoint Common Stock Fund, those shares
          will be voted by the Trustee proportionately in the same manner as
          shares as to which the Trustee has received voting instructions.

                                      14.
<PAGE>

               (b) RIGHT TO TENDER. Subject to (b)(iii) below, if the Trustee
          receives a tender offer to buy WellPoint Common Stock held by the
          Trustee, a Participant may direct tender of the shares of WellPoint
          Common Stock underlying the Participant's interest in a WellPoint
          Common Stock Fund. The Trustee will tender such shares in accordance
          with the directions of Participants, as communicated in writing to the
          Trustee.

                    (i) NOTIFICATION. All Participants entitled to tender
               WellPoint Common Stock held by a WellPoint Common Stock Fund will
               be so notified by the Trustee (or by WellPoint Health Networks
               Inc.) within a reasonable time before the right to tender is to
               be exercised. This notification will include information received
               by the Trustee as shareholder, or distributed by WellPoint Health
               Networks Inc. to shareholders generally, regarding their right to
               tender.

                    (ii) NO DIRECTION. To the extent that a Participant fails to
               direct the Trustee, in whole or in part, to tender WellPoint
               Common Stock underlying the Participant's interest in a WellPoint
               Common Stock Fund, those shares will not be tendered.

                    (iii) NON-CASH TENDER. The Trustee will not permit
               Participants to direct the tender of WellPoint Common Stock, to
               the extent that the receipt or holding of the property offered in
               exchange for the shares would violate any applicable law,
               including ERISA. The Committee will make investment decisions
               regarding any non-cash property received by a WellPoint Common
               Stock Fund as a result of a tender.

          (c) DEEMED PARTICIPANT. For purposes of this Article VI, the
     Beneficiary of a deceased Participant will be treated as though he or she
     were a Participant.

     6.05 RESTRICTION ON LIQUIDATION OF UNITS IN A WELLPOINT COMMON STOCK FUND.
Effective January 1, 1999, once each Plan Year, a Participant may liquidate any
units in a WellPoint Common Stock Fund that were required to be credited to his
or her Account as a Matching Contribution ("Required Units") during any prior
Plan Year. In addition, a Participant may liquidate any or all Required Units
upon attaining age 55 or ceasing to be a common law employee with any Affiliated
Company. Prior to 1999, a Participant may not direct that Required Units be
liquidated and invested in another investment fund under the Plan until the
earlier of (a), (b), or (c) below:

          (a) TWO YEARS. The date that is 730 days after the date that the units
     to be liquidated were credited to the Participant's Account.

          (b) AGE 55. The date that the Participant attains age 55.

          (c) NO LONGER AN EMPLOYEE. The date that the Participant ceases to be
     a common law Employee of all Affiliated Companies.

Cash dividends on WellPoint Common Stock will not be subject to the liquidation
restrictions outlined in this Section. Units acquired due to a stock dividend or
a stock split will be subject to the liquidation restrictions outlined in this
Section to the extent that the original shares were subject to these
restrictions. For these purposes, units acquired due to a stock dividend or a
stock split will be considered to have been credited to a Participant's Account
as of the date that units representing the original shares were credited to that
Participant's Account.

                                      15.

<PAGE>

     6.06 RESPONSIBILITY. Each Participant is solely responsible for the
investment of his or her Account. No Plan fiduciary and no Employee is
authorized to advise a Participant regarding such investment.

                                   ARTICLE VII

                                    VALUATION

            The value of the Account of a Participant on any date will be deemed
to be the net balance of the Account on the Valuation Date immediately preceding
or coincident with the date as of which such value is to be determined, adjusted
by the Committee, pursuant to its discretionary authority to administer and
interpret the Plan and to determine eligibility for benefits under the Plan.
Adjustments will include increases due to contributions to the Account since the
relevant Valuation Date; decreases due to Plan expenses, distributions, loans,
or withdrawals paid from the Account since the relevant Valuation Date; and
adjustments for income or loss.

                                  ARTICLE VIII

                                     VESTING

            All Plan Accounts are vested and nonforfeitable.

                                   ARTICLE IX

                             IN-SERVICE WITHDRAWALS

            Subject to administrative procedures established by the Committee,
and to the provisions governing merged assets contained in Appendices to this
Plan, the following types of in-service withdrawals are available under the
Plan.

     9.01 AGE 59-1/2. A Participant may withdraw up to his or her entire Plan
Account upon attaining age 59-1/2. Only one such withdrawal will be permitted in
any six-month period.

     9.02 ROLLOVER ACCOUNT WITHDRAWALS. A Participant may withdraw up to the
entire balance from his or her Rollover Account.

          (a) PERMITTED FREQUENCY. Only one such withdrawal will be permitted in
     any six-month period.

          (b) TWO YEAR/FIVE YEAR REQUIREMENT. The Participant may only withdraw
     funds that have been held in the Plan for at least two full years,
     provided, however, if the Participant has been credited with five Years of
     Service for an Affiliated Company, the two year rule is inapplicable. This
     two year/five year requirement will be removed from the Plan and
     Participants will be permitted to make withdrawals from their Rollover
     Accounts without regard

                                      16.
<PAGE>

     to their service or their participation under the Plan, as soon as
     administratively feasible after the Internal Revenue Service issues a
     favorable determination letter with respect to this Plan document, which
     favorable determination letter is dated after June 1, 1997

     9.03 POST-TAX CONTRIBUTIONS. The Plan does not provide for post-tax
contributions. Certain Participants whose benefits were transferred to this Plan
may, however, have a Post-Tax Contributions Account under this Plan. Such a
Participant may withdraw up to the entire balance from his or her Post-Tax
Contributions Account at any time. Unless otherwise requested by the
Participant, pre-1987 contributions (without earnings) will be distributed from
this account before post-1986 contributions (with earnings).

     9.04 HARDSHIP WITHDRAWALS. If a Participant has an immediate and heavy
financial need (as defined below), and has no other resources reasonably
available to meet this need (as defined below), the Participant may request a
hardship withdrawal from his or her Salary Deferral Contributions Account, and
Rollover Account. The amount available from the Participant's Salary Deferral
Contributions Account does not include earnings after December 31, 1988.

          (a) IMMEDIATE AND HEAVY FINANCIAL NEED. A Participant's request for a
     hardship withdrawal may not exceed the amount immediately required
     (including the amount necessary to pay any federal, state or local income
     taxes or penalties reasonably anticipated to result from the withdrawal) by
     the Participant to (i) purchase the Participant's primary residence
     (excluding mortgage payments), (ii) pay expenses incurred within 12 months
     of the hardship withdrawal request by the Participant, the Participant's
     dependents or the Participant's spouse, or necessary for those persons to
     obtain medical care within the meaning of Code Section 213(d), (iii)
     prevent eviction from, or foreclosure of a mortgage on, the Participant's
     primary residence, or (iv) pay for post-high school tuition and related
     educational fees for the next 12 months for the Participant, the
     Participant's spouse, or the Participant's dependents.

          (b) NO OTHER RESOURCES REASONABLY AVAILABLE. A Participant who makes a
     hardship withdrawal request must represent that his or her immediate and
     heavy financial need cannot be relieved (i) through reimbursement or
     compensation by insurance or otherwise, (ii) by reasonable liquidation of
     the Participant's assets, to the extent the liquidation would not itself
     cause an immediate and heavy financial need, (iii) by cessation of Salary
     Deferral Contributions to this Plan and any other elective or after-tax
     contributions to any other plan maintained by an Affiliated Company, (iv)
     by other distributions or nontaxable (at the time of the loan) loans from
     plans maintained by any employer, (v) by requesting a withdrawal from his
     or her Rollover Account or Post-Tax Contributions in this Plan, or (vi) by
     borrowing from commercial sources on reasonable commercial terms. For
     purpose of this Section, the Participant's assets are deemed to include
     those assets of the Participant's spouse and minor children that are
     reasonably available to the Participant.

          (c) SUSPENSION. Effective July 1, 2001, any withdrawal from a
     Participant's Salary Deferral Contributions Account will result in a
     suspension of the Participant's right to direct Salary Deferral
     Contributions under the Plan and to make pre-tax and post-tax elective
     contributions under all other qualified and nonqualified plans maintained
     by an Affiliated Company ("Other Elective Contributions"). The suspension
     will continue for a period of 12 months following the effective date of the
     withdrawal and expire on the first day of the first payroll period
     beginning 365 days after the effective date of the withdrawal. The
     aggregate amount of a Participant's Salary Deferral Contributions to this
     Plan and the Participant's Other

                                      17.

<PAGE>

     Elective Contributions in the Plan Year immediately following the Plan Year
     in which the hardship withdrawal is made will not exceed the Code Section
     402(g) limit described in Section 5.01 reduced by the amount of his or her
     Salary Deferral Contributions made to this Plan and Other Elective
     Contributions made in the Plan Year in which the hardship withdrawal is
     made.

     9.05 FORM. Except as provided in one or more Appendices to this Plan,
withdrawals from the Plan will be made in the form of a single sum cash payment.

                                   ARTICLE X

                                      LOANS

     10.01 AUTHORIZATION. The Committee may direct the Trustee to make a loan to
a Participant who is employed by a Participating Company and, to the extent
required under ERISA or the Code (but only to that extent), to other
Participants and to Beneficiaries (collectively referred to as "Borrowers") of
the Plan. Loans will be made from a Participant's Account and will be limited to
the amount specified below. No loan will be approved unless the Participant's
spouse (if any) consents to the loan, in writing, no more than 90 days from the
loan date except as described in subsections (a) and (b) below.

          (a) NEW GENERAL RULE. Notwithstanding the foregoing, no spousal
     consent will be required for loans made on or after January 1, 1998 unless
     the Participant has assets in his or her Account that were transferred from
     the Cost Care Inc. Savings Plan or from the UniCARE Financial Corp. Profit
     Sharing Plan.

          (b) UNICARE AND COST CARE. As soon as administratively feasible after
     the Internal Revenue Service issues a favorable determination letter with
     respect to this Plan document, which favorable determination letter is
     dated after October 1, 1997, no spousal consent will be required for loans
     taken out by Participants with assets in their Account that were
     transferred from the Cost Care Inc. Savings Plan or from the UniCARE
     Financial Corp. Profit Sharing Plan.

     10.02 AMOUNT. The amount of any loan will not be less than $1,000.
Immediately after the origination of the loan, the loan may not exceed 50% of
the Borrower's vested benefits under this Plan. Furthermore, the amount of any
loan, when added to the outstanding balance of all other loans to the Borrower
from this Plan and the plans of Affiliated Companies, may not exceed the lesser
of (a) one half of the Borrower's vested benefits under this Plan and the plans
of Affiliated Companies, valued as of each plan's most recent valuation date;
and (b) $50,000 reduced by the excess, if any, of (i) the Borrower's highest
outstanding loan balance under this Plan and the plans of Affiliated Companies
during the 12-month period ending on the day before the loan is made; over (ii)
the Borrower's outstanding loan balance under this Plan and the plans of
Affiliated Companies on the date the loan is made.

     10.03 MAXIMUM NUMBER. No more than three loans may be outstanding with
respect to a Participant's Account at any one time.

     10.04 APPLICATION AND NOTE. Each loan will be evidenced by the Borrower's
note, payable to the Trustee, for the loan plus interest.

                                      18.
<PAGE>

     10.05 INDIVIDUAL ACCOUNT. All loans will be investments of the Borrower's
Account. Costs charged by the Trustee to establish, process or collect the loan
will be charged to the Borrower's Account.

     10.06 INTEREST. Interest will be charged on Plan loans at a formula rate
based on factors considered by commercial entities that make similar loans. At
the discretion of the Committee, the interest rate will be redetermined as new
loans are made.

     10.07 REPAYMENT. The term of any loan will not exceed 5 years; provided,
however, that the term of a loan to purchase a principal residence for the
Borrower may not exceed 30 years. Substantially level amortization of the loan,
with payments not less frequently than quarterly, will be required over the term
of the loan. The Trustee and the Committee may require that the loan be repaid
by payroll deduction. Periodic cash payments may be made when payroll deduction
is not possible.

     10.08 DEFAULT. If a Borrower fails to repay a loan within the time
prescribed by the Committee, the Trustee will levy on the Borrower's Loan
Account at such time as the Borrower is eligible for a distribution or a
withdrawal under the Plan. In addition, in the event of a failure to repay, the
Trustee may exercise every creditor's right at law or equity available to the
Trustee.

     10.09 GUIDELINES. The Committee or its delegate will approve written
guidelines for administration of the Plan's loan program. Loans transferred to
this Plan from another plan will remain subject to the terms and conditions of
the other plan's loan provisions and will count against the Plan's three-loan
limit.

                                   ARTICLE XI

                            DISTRIBUTION OF BENEFITS

            Subject to administrative procedures established by the Committee
and to the provisions governing merged assets contained in Appendices to this
Plan, the following provisions govern distributions available under the Plan.

     11.01 DATE BENEFITS BECOME DISTRIBUTABLE. Plan benefits will become
distributable when (a) the Participant separates from service, including but not
limited to a separation due to death, disability or retirement, (b) subject to
Code Section 401(k)(10), if substantially all the assets of a trade or business
are sold to an unrelated corporation, the Participant continues employment with
the unrelated corporation and the Participating Company continues to maintain
this Plan, or (c) subject to Code Section 401(k)(10), if a Participating
Company's interest in a subsidiary is sold to an unrelated entity and the
Participant continues employment with the subsidiary and the Participating
Company continues to maintain this Plan.

     11.02 DATE BENEFITS WILL BE DISTRIBUTED. Once Plan benefits become
distributable, they will be distributed as soon as administratively practicable
after the Participant has elected to receive a distribution, and in the case of
a Beneficiary, as soon as administratively practicable after the Participant's
death. Illiquid assets (if any) will be distributed as soon as administratively
practicable after they become liquid.

                                      19.
<PAGE>

     11.03 NO ELECTION. If a Participant, or a Beneficiary, as the case may be,
does not properly elect a distribution, benefits will be distributed pursuant to
the Distribution Provisions Appendix of this Plan. In general, those provisions
provide that a Participant must receive his or her benefits under this Plan by
the applicable required beginning date consistent with Code Section 401(a)(9)
and related proposed regulations.

     11.04 RETROACTIVE PAYMENT. If the amount of a distribution cannot be
determined by the date payment is required, or it is not possible to make
payment because the Committee cannot locate the Participant or Beneficiary after
making reasonable efforts to do so, a payment retroactive to the date payment is
required may be made no later than 60 days after the earliest date on which the
amount of the payment can be determined under the Plan, or the date on which the
recipient is located.

     11.05 INABILITY TO LOCATE RECIPIENT. If a Plan benefit remains unpaid for 2
years from the date it becomes payable because the Committee, exercising due
diligence, cannot locate the recipient, the benefit will be forfeited and used
for other Plan purposes, including reduction of Participating Companies'
Matching Contributions. On presentation of an authenticated claim by the
recipient or the recipient's representative, amounts forfeited will be restored,
without earnings, from forfeitures for the Plan Year in question or from a
contribution made by the appropriate Participating Company(s), as determined by
the Committee.

     11.06 DISTRIBUTION TO MINOR OR INCOMPETENT. The Committee may direct that
distributions to be paid to a minor or an incompetent person be paid to the
legal guardian, or if none, to a parent of such person, or to a responsible
adult with whom the person maintains residence, or to the custodian for the
person under a Uniform Transfers to Minors Act or Gift to Minors Act, if
permitted by the laws of the state in which the person resides.

     11.07 SMALL ACCOUNT. Notwithstanding any provision of this Plan, if the
vested portion of a Participant's Account on the date the Participant ceases to
be an Employee is, and at the time of any earlier distribution or withdrawal
was, $5,000 ($3,500 prior to January 1, 1998) or less, the Participant's Account
will be distributed to the Participant, or Beneficiary, as the case may be, as
soon as practicable, without the consent of the Participant or the Participant's
spouse. For distributions made prior to January 1, 2001, if the vested portion
of the Participant's Account on the date the Participant ceased to be an
Employee, or at the time of any earlier distribution or withdrawal, exceeded
$5,000 ($3,500 prior to January 1, 1998), no distribution will be made without
the consent of the Participant or the Participant's spouse, as applicable.

     11.08 FORM OF DISTRIBUTION. Except as provided in one or more Appendices to
this Plan, amounts held in a Participant's Account will be paid in cash as a
total distribution, unless the Participant (or Beneficiary) elects otherwise
pursuant to Section 11.09. Except as provided in one or more Appendices to this
Plan, distributions will be made in a single sum payment, in accordance with the
above provisions, which satisfy the Regulations under Code Section 401(a)(9). In
any event, distributions will be made in accordance with the Regulations,
including the minimum distribution and minimum distribution incidental benefit
requirement of Code Section 401(a)(9)(G).

     11.09 DISTRIBUTIONS FROM THE WELLPOINT COMMON STOCK FUND. When requesting a
distribution under this Article, a Participant (or Beneficiary) may elect to
receive the portion of his or her Account that is invested in a WellPoint Common
Stock Fund in whole shares of

                                      20.
<PAGE>

WellPoint Common Stock. Any balance representing fractional shares will be
distributed in cash.

     11.10 DIRECT ROLLOVER. Notwithstanding any provision of this Plan to the
contrary that would otherwise limit a Distributee's election under this Plan, a
Distributee may elect, at the time and in the manner prescribed by the
Committee, to have any portion of an Eligible Rollover Distribution paid
directly to an Eligible Retirement Plan specified by the Distributee in a Direct
Rollover. For these purposes, the following definitions apply:

          (a) ELIGIBLE ROLLOVER DISTRIBUTION. An Eligible Rollover Distribution
     is any distribution of all or any portion of the balance to the credit of
     the Distributee, except that an Eligible Rollover Distribution does not
     include: any distribution that is one of a series of substantially equal
     periodic payments (not less frequently than annually) made for the life (or
     life expectancy) of the Distributee or the joint lives (or joint life
     expectancies) of the Distributee and the Distributee's designated
     Beneficiary, or for a specified period of 10 years or more; any
     distribution to the extent that distribution is required under Section
     401(a)(9) of the Code; effective January 1, 1999, any hardship distribution
     described in Code Section 401(k)(2)(B)(i)(IV); and the portion of any
     distribution that is not includible in gross income (determined without
     regard to the exclusion for net unrealized appreciation with respect to
     employer securities).

          (b) ELIGIBLE RETIREMENT PLAN. An Eligible Retirement Plan is an
     individual retirement account described in Code Section 408(a), an
     individual retirement annuity described in Code Section 408(b), an annuity
     plan described in Code Section 403(a), or a qualified trust described in
     Code Section 401(a), that accepts the Distributee's Eligible Rollover
     Distribution. However, in the case of an Eligible Rollover Distribution to
     the surviving spouse, an Eligible Retirement Plan is an individual
     retirement account or individual retirement annuity.

          (c) DISTRIBUTEE. A Distributee includes an Employee or former
     Employee. In addition, the Employee's or former Employee's surviving spouse
     and the Employee's or former Employee's spouse or former spouse who is the
     alternate payee under a Qualified Domestic Relations Order, as defined in
     Code Section 414(p), are Distributees with regard to the interest of the
     spouse or former spouse.

          (d) DIRECT ROLLOVER. A Direct Rollover is a payment by the Plan to the
     Eligible Retirement Plan specified by the Distributee. The Committee or its
     delegate may authorize a direct rollover of a Participant note for a Plan
     loan to a qualified trust described in Code Section 401(a) or an annuity
     plan described in Code Section 403(a).

     11.11 GENERAL WAIVER OF 30-DAY REQUIREMENT. Notwithstanding anything to the
contrary in this Plan, if a distribution is one to which Sections 401(a)(11) and
417 of the Code do not apply, that distribution may begin less than 30 days
after the notices required under Regulation 1.411(a)-11(c) and Code Section
402(f) are given, provided that (1) the Committee clearly informs the recipient
that the recipient has a right to a period of at least 30 days after receiving
the notices to consider the decision of whether or not to elect a distribution
(and, if applicable, a particular distribution option), and (2) the recipient,
after receiving the notices, affirmatively elects a distribution.

     11.12 SPECIAL WAIVER OF 30-DAY REQUIREMENT. Notwithstanding anything to the
contrary in this Plan, if a distribution is one to which Sections 401(a)(11) and
417 of the Code apply (including a distribution of assets subject to special
provisions outlined in Appendices to

                                      21.
<PAGE>

this Plan), that distribution may begin less than 30 days after the notices
required under Regulation 1.411(a)-11(c) and Code Section 402(f) (collectively
referred to as "Notices") are given provided that:

     (1) AFFIRMATIVE ELECTION. After having received the Notices, the recipient
affirmatively elects a form of distribution and the Participant's spouse
consents to that form of distribution (if necessary). (2) ELECTION. The
recipient was informed that he or she had a right to at least 30 days to
consider whether to waive the normal form of benefit and to consent to an
optional form of benefit.

     (2) ELECTION. The recipient was informed that he or she had a right to
at least 30 days to consider whether to waive the normal form of benefit and
to consent to an optional form of benefit.

     (3) REVOCATION. The recipient was informed that he or she could revoke an
affirmative distribution election at any time before the annuity starting date,
or, if later, the end of the 7-day period that begins the day after the Notices
were provided to the recipient.

     (4) TIMING. The Annuity Starting Date (as defined in the applicable
Appendices) is after the date that the Notices were provided to the recipient.
The Annuity Starting Date may, however, be before the expiration of the 7-day
period referred to in the next paragraph and before the date of the recipient's
affirmative distribution election.

     (5) 7-DAY PERIOD. Distribution in accordance with a recipient's affirmative
election may not begin before the end of the 7-day period that begins the day
after the Notices are provided to the recipient.

                                  ARTICLE XII

                            BENEFICIARY DESIGNATIONS

     12.01 ALL PARTICIPANTS. Subject to the special distribution provisions
contained in Appendices to this Plan, a Participant may designate one or more
primary Beneficiaries and one or more secondary Beneficiaries to receive any
benefit payable from the Participant's Account on the Participant's death. A
Participant's Beneficiary designation will be made on a form prepared by, and
delivered to, the Committee before the Participant's death. The Participant may
revoke or change this designation at any time before his or her death by
delivering a subsequent form to the Committee.

     12.02 MARRIED PARTICIPANTS. If the Participant is married, and if the
Participant names a Beneficiary other than his or her surviving spouse as a
primary Beneficiary, the Participant's surviving spouse must waive his or her
right to the Participant's Account in a document, delivered to the Committee,
that acknowledges the effect of the waiver, that is witnessed by a notary
public, and that satisfies such other requirements as the Committee may impose.
In the waiver, the Participant's surviving spouse must consent to the specific
non-spouse Beneficiary(s) named by the Participant. The waiver will be effective
only with respect to that spouse. If the Participant is legally separated or
abandoned and the Participant has a court order to that effect (and there is no
qualified domestic relations order that provides otherwise), or the surviving
spouse cannot be located, then a waiver need not be filed with the Committee
when a married Participant names a Beneficiary other than his or her spouse.
Spousal consent will be

                                      22.
<PAGE>

irrevocable unless the Participant changes his or her Beneficiary or form of
distribution designation; upon such event, spousal consent will be deemed to be
revoked.

     12.03 INEFFECTIVE DESIGNATION. If a Participant does not have an effective
Beneficiary designation on file when he or she dies, the Participant's Account
will be distributed to the Participant's spouse if then living or, if the spouse
is not then living, to the Participant's children (in equal shares), or if no
such children are then living, according to the laws of intestate succession in
effect in the State of California on the date of the Participant's death.

                                  ARTICLE XIII

                                CLAIMS PROCEDURE

            If a Participant or Beneficiary ("Claimant") believes that he or she
is entitled to a greater benefit under the Plan, the Claimant may submit a
signed, written application to the Committee within 90 days of having been
denied such a greater benefit. The Claimant will generally be notified of the
approval or denial of this application within 90 days of the date that the
Committee receives the application. If the claim is denied, the notification
will state specific reasons for the denial and the Claimant will have 60 days to
file a signed, written request for a review of the denial with the Committee.
This request will include the reasons for requesting a review, facts supporting
the request and any other relevant comments. The Committee, operating pursuant
to its discretionary authority to administer and interpret the Plan and to
determine eligibility for benefits under the terms of the Plan, will generally
make a final, written determination of the Claimant's eligibility for benefits
within 60 days of receipt of the request for review.

                                  ARTICLE XIV

              ALIENATION AND QUALIFIED DOMESTIC RELATIONS ORDERS

     14.01 PROHIBITION. Plan benefits may not be assigned or alienated and will
not be subject to the claims of creditors. The Plan will, however, honor
properly executed federal tax levies, executions on federal tax judgments,
Qualified Domestic Relations Orders within the meaning of Code Section 414(p), a
direction to pay third parties pursuant to Regulation 1.401(a)-13(e), certain
judgments and settlements within the meaning of Code Section 401(a)(13)(C) and
(D), which are issued after August 5, 1997; and the provisions of this Plan
regarding loans and distributions to minors and incompetent persons.

     14.02 QUALIFIED DOMESTIC RELATIONS ORDER. A distribution to an alternate
payee authorized by a Qualified Domestic Relations Order may be made even if the
affected Participant would not be eligible to receive a similar distribution
from the Plan at that time.

                                      23.
<PAGE>

                                   ARTICLE XV

                                 ADMINISTRATION

     15.01 COMMITTEE. The Directors of the Company may appoint a Committee to
administer the Plan. The Committee will hold office at the pleasure of the
Directors and will be a named fiduciary of the Plan. To the extent that the
Company does not appoint a Committee, the Company will administer the Plan and
will be a named fiduciary of the Plan. To the extent that the Company has not
appointed a Committee, the term Committee, as used in this Article, shall be
deemed to refer to the Company.

     15.02 POWER. The Committee has full discretionary authority to administer
and interpret the Plan, including discretionary authority to determine
eligibility for participation and benefits under the Plan, to appoint one or
more investment managers, to construe ambiguous terms under the Plan, to correct
errors, and to exercise the powers listed in this document. The Committee may
delegate its discretionary authority and such duties and responsibilities as it
deems appropriate to facilitate the day-to-day administration of the Plan.
Determinations by the Committee or the Committee's delegate will be final and
conclusive upon all persons.

     15.03 INDEMNIFICATION. The Participating Companies will indemnify and hold
harmless the Directors, the members of the Committee, and any Employees who may
be deemed fiduciaries of the Plan within the meaning of ERISA, from and against
any and all liabilities, claims, costs and expenses, including attorneys' fees,
arising out of an alleged breach in the performance of their fiduciary duties
under the Plan and under ERISA, other than such liabilities, claims, costs and
expenses as may result from the gross negligence or willful misconduct of such
persons. The Participating Companies shall have the right, but not the
obligation, to conduct the defense of such persons in any proceeding to which
this Section applies.

     15.04 EXPENSES. All proper expenses incurred in administering the Plan will
be paid by the Participating Companies if not paid from the trust created to
fund the Plan. If expenses are initially paid by a Participating Company, the
Participating Company may be reimbursed from the trust created to fund the Plan.
Committee members will receive no compensation for their services in
administering the Plan.

                                  ARTICLE XVI

                                   AMENDMENTS

     16.01 DIRECTORS. The Directors or a committee appointed by the Directors,
by written action, may amend the Plan (prospectively or retroactively).

     16.02 OFFICERS. Any officer of the Company at the level of Senior Vice
President or above may amend this Plan to comply with regulatory requirements,
to address administrative concerns, and in any other manner that does not alter
the primary character of the Plan or its eligibility, provided in each case that
the amendment does not have a substantial adverse financial impact on any
Participating Company.

     16.03 EFFECT. Upon adoption, an amendment will become effective in
accordance with its terms. Except as provided elsewhere in this Plan, no
amendment will (a)

                                      24.
<PAGE>

cause Plan assets to revert to a Participating Company or to be used for
purposes other than the exclusive benefit of Participants and Beneficiaries and
payment of reasonable expenses, (b) deprive any Participant of a benefit already
accrued, or (c) change the duties or liabilities of a Trustee without written
consent of the Trustee.

                                  ARTICLE XVII

                        TERMINATION, MERGER AND TRANSFER

     17.01 PARTICIPATING COMPANIES. A Participating Company may, in its sole
discretion, by written action of its board of directors or by a committee
appointed by its board of directors, discontinue contributions to or terminate
the Plan, in whole or in part, at any time with respect to its own Employees
without any liability whatsoever.

     17.02 COMPANY. The Directors reserve the right to terminate the Plan, at
any time, in their sole and absolute discretion by written action or by a
written action of a committee appointed by the Directors. If the Plan is
terminated with respect to all Participating Companies, the Trustees will pay to
each Participant affected by the termination, or that Participant's Beneficiary,
within a reasonable time, the net value of the Participant's Account in
accordance with the written directions of the Committee; provided that, if
termination of the Plan does not constitute a distribution event within the
meaning of Code Section 401(k), the Participants' Salary Deferral Contributions
Accounts shall continue to be held in trust for subsequent distribution in
accordance with the requirements of Code Section 401(k).

     17.03 DETERMINATION OF PARTIAL TERMINATION. A partial termination of the
Plan will not be deemed to occur solely by reason of the sale or transfer of all
or substantially all of the assets of a Participating Company, but will be
deemed to occur only if there is a determination, either made or agreed to by
the Committee, or made by the Internal Revenue Service and upheld by a decision
of a court of last resort, that a particular event or transaction constitutes a
partial termination within the meaning of Code Section 411(d)(3)(A).

     17.04 MERGERS AND TRANSFERS. This Plan (including any outstanding loans)
may be merged or consolidated with another tax-qualified retirement Plan and
assets and liabilities (including any outstanding loans) may be transferred from
this Plan to any other retirement plan qualified under Section 401 of the Code
if each Participant is entitled to receive from this Plan, or from the surviving
or transferee plan, immediately after the merger, consolidation or transfer, a
benefit equal to or greater than the benefit the Participant would have been
entitled to receive under this Plan if this Plan had been terminated immediately
before the merger, consolidation or transfer.

                                 ARTICLE XVIII

                                  MISCELLANEOUS

     18.01 LIMITATION OF RIGHTS. Participation in this Plan will not give to any
Employee the right to be retained in the employ of an Affiliated Company, nor
any right or interest in this Plan other than as provided in this Plan document.

                                      25.
<PAGE>

     18.02 SATISFACTION OF CLAIMS. Any payment to a Participant, the
Participant's legal representative or Beneficiary, in accordance with the terms
of this Plan and the appropriate Trust Agreement, will, to the extent thereof,
be in full satisfaction of all claims such person may have against each Trustee,
the Committee and all Participating Companies, any of whom may require the
recipient, as a condition precedent to such payment, to execute a receipt and
release therefor in such form as shall be determined by the Trustee, the
Committee or a Participating Company, as the case may be.

     18.03 CONSTRUCTION. Although contributions made by the Participating
Companies are not limited to profits, the Plan is intended to be a profit
sharing plan. The Plan is to be construed and administered in accordance with
ERISA and other pertinent federal laws and in accordance with the laws of the
State of California to the extent not preempted by ERISA; provided, however,
that if any provision is susceptible of more than one interpretation, such
interpretation shall be given thereto as is consistent with the intent that this
Plan and its related trusts be exempt from federal income tax under Code
Sections 401(a) and 501(a), respectively. The headings and subheadings of this
instrument are inserted for convenience of reference only and are not to be
considered in the construction of this Plan.

     18.04 SEVERABILITY. If a provision of this Plan is held by a court of
competent jurisdiction to be invalid or unenforceable, the remaining provisions
of the Plan will remain fully effective.

     18.05 SOURCE OF BENEFITS. All benefits payable under the Plan shall be paid
and provided for solely from the Plan's related trust, and the Participating
Companies assume no liability or responsibility therefor.

               IN WITNESS WHEREOF, the Company has caused this Plan to be
executed this 1st day of March, 2001.

                                       WELLPOINT HEALTH NETWORKS INC.

                                       By: /s/ J. THOMAS VAN BERKEN
                                           -----------------------------------
                                           J. Thomas Van Berken

                                      26.

<PAGE>

                      APPENDIX I: TESTING SALARY DEFERRAL
                           AND MATCHING CONTRIBUTIONS

     SECTION 1.01 INDIVIDUAL LIMIT ON ELECTIVE DEFERRALS.
     --------------------------------------------------------

     (a) ELECTIVE DEFERRALS. "Elective Deferrals" means contributions on behalf
of a Participant under a qualified cash or deferred arrangement described in
Code Section 402(e)(3), under a simplified employee pension plan described in
Code Section 408(k)(6), and under a salary reduction agreement to purchase an
annuity contract described in Code Section 403(b).

     (b) DISTRIBUTION. If the Committee determines that an individual's Elective
Deferrals under this Plan exceed the amount permitted by Code Sections
401(a)(30) or 402(g), the excess amount, together with income earned on the
excess amount during the calendar year will be distributed to the Participant no
later than April 15 following the end of the taxable year in which the excess
contribution was made. Income will be determined in accordance with any
reasonable method used for allocating income to Participants' Accounts during
the Plan Year. Income for the period between the end of the taxable year in
which the excess amount was contributed and the date of distribution will not be
distributed.

     SECTION 1.02 LIMIT ON SALARY DEFERRAL CONTRIBUTIONS.
     --------------------------------------------------------

     (a) DEFINITIONS. -----------------

          (1) DEFERRAL PERCENTAGE means, for a group of Eligible Employees, the
     average of the ratios (calculated separately for each individual) of (i) to
     (ii) where (i) is the amount of the Salary Deferral Contributions allocated
     for the Plan Year to the individual's Account, and (ii) is the Remuneration
     of the individual for the Plan Year computed only for the portion of the
     Plan Year during which the individual was eligible to make Elective
     Deferrals under this Plan and, at the option of the Committee or its
     delegate, elective deferrals under any other plan that was merged into this
     Plan. The Deferral Percentage for an Eligible Employee who does not elect
     to make Salary Deferral Contributions is zero.

          (2) 401(A)(17) LIMIT. With respect to this Appendix, the Remuneration
     of any Participant taken into account in any Plan Year will not exceed the
     401(a)(17) Limit in effect for the Plan Year.

     (b) DEFERRAL PERCENTAGE TEST. Salary Deferral Contributions must satisfy
one of the following tests:

          (1) 125%. The Deferral Percentage for Highly Compensated Employees
     must not be more than 125% of the Deferral Percentage for Non-Highly
     Compensated Employees for the prior Plan Year.

          (2) 200%. The Deferral Percentage for Highly Compensated Employees
     must not be more than 2 percentage points greater than the Deferral
     Percentage for Non-Highly Compensated Employees for the prior Plan Year,
     and the Deferral Percentage for Highly Compensated Employees must not be
     more than 200% of the Deferral Percentage for Non-Highly Compensated
     Employees for the prior Plan Year.

                                      27.

<PAGE>

          (3) SAFE HARBOR. Effective for Plan Years beginning after December 31,
     1998, this test can be satisfied by satisfying a design-based safe harbor.

(c)   DEFERRAL PERCENTAGE TEST OPERATIONAL RULES.

          (1) AGGREGATED PLANS. If two or more plans that include cash or
     deferred arrangements are considered a single plan for purposes of Code
     Section 401(a)(4) or Code Section 410(b) (other than for purposes of the
     average benefits test of Code Section 410(b)), the cash or deferred
     arrangements included in those plans will be treated as a single
     arrangement.

          (2) HIGHLY COMPENSATED. If an eligible Highly Compensated Employee is
     a participant under two or more cash or deferred arrangements of an
     Affiliated Employer, for purposes of determining that Employee's Deferral
     Percentage, all such cash or deferred arrangements will be treated as a
     single cash or deferred arrangement.

          (3) DISREGARDED EMPLOYEES. Any Employee who is not, at any time during
     the Plan Year, eligible to authorize a Salary Deferral Contribution will be
     disregarded.

          (4) ELECTION. The Committee or its delegate is authorized to elect to
     use the current Plan Year rather than the preceding Plan Year in performing
     the Deferral Percentage test consistent with the requirements of IRS Notice
     98-1, as that may be amended by subsequent guidance.

(d)   SATISFACTION OF DEFERRAL PERCENTAGE TEST.

          (1) REDUCTION OF CONTRIBUTIONS. If, at any time, the Committee
     determines that the Deferral Percentage test is not likely to be satisfied,
     the Committee may reduce the maximum percentage of Compensation that a
     Highly Compensated Employee may elect as a Salary Deferral Contribution for
     the Plan Year.

          (2) RECALCULATION. If, after the end of the Plan Year, the Plan does
     not satisfy the Deferral Percentage test, the Excess Deferral
     Contributions, and any income or loss attributable to such amount, will be
     distributed to the Highly Compensated Employees, starting with the Highly
     Compensated Employee with the greatest dollar amount of Salary Deferral
     Contributions and continuing in descending order.

          (3) EXCESS DEFERRAL CONTRIBUTIONS. The amount of Excess Deferral
     Contributions to be distributed to Highly Compensated Employees as
     described in paragraph (2) above is equal to the excess of (i) over (ii)
     where (i) is the amount of Salary Deferral Contributions made on behalf of
     all Highly Compensated Employees for the Plan Year in which the excess
     arose and (ii) is the maximum amount of Salary Deferral Contributions that
     could be made on behalf of Highly Compensated Employees for the Plan Year,
     determined by hypothetically reducing each Highly Compensated Employee's
     Salary Deferral Contributions to the extent necessary to satisfy the
     Deferral Percentage test, starting with the Highly Compensated Employee
     with the highest individual deferral rate. The determination will be made
     after returning any excess Elective Deferrals as described in Section 1.01.

          (4) ADJUSTMENTS. Distributions of Excess Deferral Contributions and
     Excess Contribution Amounts will be adjusted for income and loss using any

                                       28.

<PAGE>

     reasonable method for allocating income to Participants' Accounts during
     the Plan Year. Income for the period between the end of the Plan Year and
     the date of distribution will not be included. Federal, state or local
     income tax withholding obligations attributable to a distribution may be
     satisfied out of the distribution, if not satisfied out of other
     compensation. Unmatched Salary Deferral Contributions will be distributed
     before matched Salary Deferral Contributions. If matched Salary Deferral
     Contributions must also be distributed, they will be accompanied by the
     forfeiture of a proportionate share of Matching Contributions.

          (5) TIMING. Excess Deferral Contributions for a Plan Year will be
     distributed no later than the last day of the Plan Year immediately
     following the Plan Year for which the contributions were made.

     SECTION 1.03 LIMIT ON MATCHING CONTRIBUTIONS. Matching Contributions are
tested and distributed similarly to Salary Deferral Contributions under Section
1.02 above except (i) the contribution percentage test described in Code Section
401(m)(2) is substituted for the Deferral Percentage test and (ii) Excess
Contribution Amounts are substituted for Excess Deferral Amounts. Excess
Contribution Amounts are equal to the excess of (i) over (ii) where (i) is the
amount of Matching Contributions made on behalf of all Highly Compensated
Employees for the Plan Year in which the excess arose and (ii) is the maximum
amount of such contributions that could be made on behalf of Highly Compensated
Employees for the Plan Year, determined by hypothetically reducing each Highly
Compensated Employee's Matching Contributions to the extent necessary to satisfy
the contribution percentage test, starting with the Highly Compensated Employee
with the highest individual contribution rate. The determination is made after
returning any excess Elective Deferrals as described in Section 1.01 and any
Excess Deferral Contributions as described in Section 1.02.

     SECTION 1.04 RECORDS. The Committee will maintain records sufficient to
demonstrate the Plan's compliance with Code Sections 401(k)(3) and 401(m).

     SECTION 1.05 ORDERING. If, pursuant to these limits, excess contributions
are required to be distributed, unmatched Salary Deferral Contributions will be
distributed before matched Salary Deferral Contributions. If matched Salary
Deferral Contributions must also be distributed in order to satisfy these
limits, the matched Salary Deferral Contributions will be accompanied by the
distribution of a proportionate share of Matching Contributions.

     SECTION 1.06 AFFILIATED COMPANIES. All of this Appendix except Section 1.01
will be administered separately with regard to Affiliated Companies (if any)
that are unrelated within the meaning of Code Section 414.

                                      29.

<PAGE>

                   APPENDIX II: LIMITATIONS ON ALLOCATIONS

     Section 1.01 Basic Limitation. The total Annual Addition to Participants
under this Plan and under any other defined contribution plan maintained by an
Affiliated Company may not, for any Limitation Year, exceed the lesser of (i)
the dollar limit which is $30,000, or if greater 25% of the dollar limitation in
effect under Code Section 415(b)(1)(A), or (ii) 25% of the Participant's
Remuneration for that Limitation Year, as adjusted for cost of living under
Section 415(d) of the Code.

     (a) EMPLOYER CONTRIBUTIONS. An amount shall be an Annual Addition under a
defined contribution plan for a Limitation Year if, with respect to employer
contributions (including salary deferral contributions), such contributions are
made during the Limitation Year or no later than 30 days following the end of
the taxable year (including extensions) with or within which the Limitation Year
ends.

     (b) PARTICIPANT CONTRIBUTIONS. An amount shall be an Annual Addition under
a defined contribution plan for a Limitation Year if, with respect to the
Participant's own contributions, the contributions are made during the
Limitation Year or no later than 30 days following the end of such Limitation
Year.

     SECTION 1.02 ANNUAL ADDITION. "Annual Addition" means, for any Limitation
Year, the aggregate amount (excluding Rollover Contributions and Trust-to-Trust
Transfers) credited to a Participant's account under this Plan and to a
Participant's accounts under each other defined contribution plan of an
Affiliated Company with respect to such Limitation Year from employer
contributions and forfeitures allocated to a Participant's account (excluding
any amount reinstated to an account pursuant to Code Sections 411(a)(7)(C)
(cash-outs) or 411(a)(3)(D) (mandatory contributions), a Participant's own
contributions made on behalf of the Participant, and contributions to an
individual medical account (as defined in Code Section 415(1)) for a Participant
as part of a defined benefit plan. For purposes of the application of the dollar
limit of clause (i) of Section 1.01 of this Appendix to a Participant who is a
Key Employee, as defined in Code Section 416(i), with respect to a Limitation
Year, any amount paid or accrued to that Participant's account under a welfare
benefit fund pursuant to Code Section 419A(d) is an Annual Addition.

The provisions in subsections (a) through (d) below apply only in Plan Years
beginning before January 1, 2000:

     (a) COMBINED LIMIT. If a Participant also participates in a qualified
defined benefit plan maintained by an Affiliated Company, the sum of (i) the
Defined Benefit Fraction and (ii) the Defined Contribution Fraction (as defined
below) shall not exceed 1.0 for any Limitation Year.

     (b) DEFINED BENEFIT FRACTION means that fraction, the numerator of which is
the Participant's projected annual benefit, determined as of the close of the
Limitation Year, under all defined benefit plans of all Affiliated Companies and
the denominator of which is the LESSER of (i) the product of 1.25 and the dollar
limits in effect under Code Section 415(b)(1)(A) for the Limitation Year or (ii)
the product of 1.4 and the Participant's average annual Remuneration for the 3
consecutive Limitation Years for which such average is the highest. A
Participant's "projected annual benefit" is the annual benefit to which the
Participant

                                      30.

<PAGE>

would be entitled under all defined benefit plans of all Affiliated Companies if
the Participant were to remain an Employee until normal retirement age under
each such plan and all other relevant factors used to determine benefits under
such plans were to remain constant.

     (c) DEFINED CONTRIBUTION FRACTION means that fraction, the numerator of
which is the sum of the Annual Additions to the Participant's accounts under
each defined contribution plan maintained by an Affiliated Company for the
Limitation Year and all prior Limitation Years (less the amount, if any,
permitted to be subtracted under (i) the transitional rule of Section 235(g)(3)
of the Tax Equity and Fiscal Responsibility Act of 1982 or (ii) the transitional
rule of Section 1106(h)(4) of the Tax Reform Act of 1986) and the denominator of
which is the LESSER of the following amounts with respect to the Limitation Year
and each prior Limitation Year during which the Participant was an employee of
an Affiliated Company: (1) the product of 1.25 and the dollar limit in effect
under Code Section 415(c)(1)(A) (but without regard to Code Section 415(c)(6))
for such Limitation Year or (2) the product of 1.4 and 25% of the Participant's
Remuneration for such Limitation Year; provided that the Committee may calculate
the denominator of the Defined Contribution Fraction for all defined
contribution plans of Affiliated Companies using the alternative method set
forth in Code Section 415(e)(6).

     (d) TOP HEAVY ADJUSTMENT. For any Plan Year that the Plan is Top Heavy (as
determined under Appendix III), the definitions of Defined Contribution Fraction
and Defined Benefit Fraction are modified by substituting 1.0 for 1.25;
provided, however, in no event, will the accrued benefit or account balance of a
Participant be reduced below the amount of such accrued benefit or account
balance immediately before the Plan became Top Heavy.

     SECTION 1.03 COMPLIANCE WITH BASIC LIMITATION. If the Annual Addition to a
Participant's accounts in this Plan and any other defined contribution plan of
any Affiliated Company would exceed the limits described in 1.01 of this
Appendix, the Annual Addition to this Plan and to each other defined
contribution plan of any Affiliated Company will be reduced but only to the
extent necessary to comply with Section 1.01 of this Appendix, as follows:

     (a) PARTICIPANT CONTRIBUTIONS. First, the Participant's own contributions
to each such plan, to the extent that they constitute an Annual Addition, will
be reduced pro rata, and the excess, together with earnings thereon, returned to
the Participant.

     (b) EMPLOYER CONTRIBUTIONS. Then, employer contributions for the Limitation
Year that have not been allocated to such participants will be reduced pro rata.

     (c) SUSPENSE ACCOUNT. Then, amounts that cannot be allocated to
participants' accounts will be credited to a suspense account that will be used
to reduce future employer contributions. The suspense account will not share in
investment earnings and no employer contributions may be made while amounts
remain unallocated in the suspense account.

     SECTION 1.04 COMPLIANCE WITH COMBINED LIMITATION. If for a Limitation Year
beginning before January 1, 2000, the sum of the Defined Benefit Fraction and
the Defined Contribution Fraction would exceed 1.0, then the following actions
will be taken in the following order, to the extent necessary for compliance
with Section 1.03 of this Appendix, taking into account the transition
provisions of Section 1106(h)(3) of the Tax Reform Act of 1986:

     (a) DEFINED BENEFIT PLAN. The Participant's accrued benefits under each
defined benefit plan of an Affiliated Company will be reduced in accordance with
the terms of each such plan.

                                      31.

<PAGE>

     (b) DEFINED CONTRIBUTION PLAN. Annual Additions to the Participant's
accounts in this Plan and each other defined contribution plan of an Affiliated
Company will be reduced.

     (c) YEARS AFTER DECEMBER 31, 1999. Notwithstanding the foregoing, the
overall limit on annual contributions made on behalf of an employee who
participates in a defined benefit and a defined contribution plan maintained by
the same employer will cease to be in effect for Limitation Years beginning
after December 31, 1999.

     SECTION 1.05 LIMITATION YEAR. The Limitation Year is the Plan Year.

     SECTION 1.06 AFFILIATED COMPANY. For purposes of this Appendix, the
determination of an Affiliated Company will be made with the adjustment required
by Code Section 415(h).

                                      32.

<PAGE>

                       APPENDIX III: TOP HEAVY PROVISIONS

            The following provisions apply for purposes of determining whether
            the Plan is Top Heavy as defined in Section 1.03 below and in Code
            Section 416(g).

     SECTION 1.01 DEFINITIONS. For purposes of this Appendix, the following
terms shall have the meaning indicated:

     (a) DETERMINATION DATE shall mean, for the Plan's first Plan Year, the last
day of such Plan Year, and for any other Plan Year, the last day of the
preceding Plan Year.

     (b) KEY EMPLOYEE shall mean, with respect to any Plan Year, a Participant
or former Participant (and the Beneficiaries of a deceased Participant) who, at
any time during the Plan Year containing the Determination Date for the Plan
Year in question, or any of the four immediately preceding Plan Years, was:

          (i) OfFICER. An officer, for purposes of this Appendix, is an officer
     of an Affiliated Company having annual Remuneration from all Affiliated
     Companies for a Plan Year greater than 50% of the maximum dollar limitation
     in effect under Code Section 415(b)(1)(A) for the calendar year in which
     such Plan Year ended. The individuals actually considered as Key Employees
     by virtue of being officers (I) shall not in number exceed the lesser of 50
     or that number not in excess of the greater of three officers or 10% of the
     total number of Employees of all the Affiliated Companies, and (II) shall
     be those individuals belonging to the group of all Participants determined
     to be officers for the Plan Year containing the Determination Date or any
     of the preceding four Plan Years, who received the highest annual
     Remuneration for any Plan Year during such five-year period.

          (ii) OWNERS OF LARGEST INTERESTS. The owners of the largest interests
     are the 10 Employees of any Affiliated Company owning the largest interests
     in any Affiliated Company, provided that such Employee owns more than a
     1/2% interest in such Affiliated Company, and that such Employee's
     aggregate annual Remuneration from all the Affiliated Companies exceeds the
     maximum dollar limitation under Section 415(c)(1)(A) of the Code. Should
     two Employees own the same percentage interest in one or more Affiliated
     Companies, then the Employee having the greater annual Remuneration shall
     be deemed to own the larger percentage interest.

          (iii) 5% OWNER. A 5% owner is an individual who owns more than 5% of
     the outstanding stock or stock possessing more than 5% of the total
     combined voting power of all stock of any Affiliated Company (or, if the
     Affiliated Company is not a corporation, more than 5% of the capital or
     profits interest of the Affiliated Company).

          (iv) 1% OWNER. A 1% owner is an individual who owns more than 1% of
     the outstanding stock or stock possessing more than 1% of the total
     combined voting power of all stock of any Affiliated Company, (or, if such
     Affiliated Company is not a corporation, more than 1% of the capital or
     profits interest of the Affiliated Company), and whose annual Remuneration
     from all the Affiliated Companies exceeds $150,000.

                                      33.

<PAGE>

For purposes of determining ownership in an Affiliated Company under this
subsection, the attribution principles of Code Section 318 shall apply by
substituting "5%" for "50%" in Section 318(a)(2)(C).

     (c) NON-KEY EMPLOYEE shall mean, with respect to any Plan Year, any
Employee who is not a Key Employee, including Employees who are former Key
Employees.

     (d) TOP HEAVY RATIO of a plan or group of plans shall be a fraction, the
numerator of which is the sum of (I) account balances of all Key Employees under
each defined contribution plan (including any simplified employee pension plan)
included in the determination and (II) the present value of cumulative accrued
benefits of all Key Employees under each defined benefit plan included in the
determination, and the denominator of which is the sum of the account balances
for all Participants under each defined contribution plan (including any
simplified employee pension plan) included in the determination and the present
value of cumulative accrued benefits for all Participants under each defined
benefit plan included in the determination. In determining the Top-Heavy Ratio,
the following rules apply:

          (i) VALUATION. The value of account balances shall be determined as of
     the most recent Valuation Date that falls within or ends within the
     12-month period ending on the Determination Date. Present value of accrued
     benefits under a defined benefit plan shall be calculated under the method
     used for accrual purposes in all defined benefit plans of the Affiliated
     Companies, or, if there is no such method, as if such benefit accrued not
     more rapidly than the slowest accrual rate permitted under Code Section
     411(b)(1)(C). Account balances and accrued benefits so determined shall be
     adjusted for the amount of any contributions (I) made after the date of
     such valuation but on or before the Determination Date or (II) due but
     unpaid as of the Determination Date, and, except as otherwise provided in
     (2) or (3) below, shall include any amount distributed during the five-year
     period ending on the Determination Date.

          (ii) TRANSFERS. With respect to a transfer from one qualified plan to
     another (by rollover or Trust-to-Trust transfer) which is (A) incident to a
     merger or consolidation of two or more plans or a division of a single plan
     into two or more plans, (B) made between two plans maintained by the same
     employer or by employers required to be aggregated under Section 414(b),
     (c), (m) or (o) of the Code, or (C) otherwise not initiated by the
     Employee, a Participant's accrued benefit or account balance under a plan
     shall include any amount attributable to any such transfer received or
     accepted by such plan on or before the Determination Date but shall not
     include any amount transferred by such plan to any other plan in such a
     transfer on or before the Determination Date. With respect to any rollover
     or Trust-to-Trust transfer not described in the preceding sentence, a
     Participant's accrued benefit or account balance under a plan (I) shall
     include any amount distributed or transferred by such plan, unless the
     distributed or transferred amount is excludable under paragraph (1), and
     (II) shall not include any amount attributable to assets received by such
     plan.

          (iii) EXCLUSIONS. No accrued benefit for any Participant or
     Beneficiary shall be taken into account for purposes of calculating the
     Top-Heavy Ratio with respect to (I) a Participant who is not a Key Employee
     with respect to the Plan Year in question, but who was a Key Employee with
     respect to a prior Plan Year, or (II) an Employee who has performed no
     services for any Affiliated Company within the five-

                                      34.

<PAGE>

     year period ending with the Determination Date, unless such Employee
     becomes re-employed after such 5-year period.

     (e) REQUIRED AGGREGATION GROUP means a group of two or more plans
(including terminated plans) consisting of (1) a qualified plan of an Affiliated
Company (including a simplified employee pension plan) in which at least one Key
Employee participates, and (2) any other qualified plan or plans of the
Affiliated Company which enable the plan described in (1) to meet the
requirements of Code Sections 401(a)(4) and 410 (except Average Benefits).

     (f) PERMISSIVE AGGREGATION GROUP means a group of plans consisting of a
Required Aggregation Group of plans plus one or more other plan or plans of an
Affiliated Company which, when considered as a group with the Required
Aggregation Group, would continue to satisfy the requirements of Code Sections
401(a)(4) and 410.

SECTION 1.02 TOP-HEAVY STATUS. This Plan shall be considered "Top-Heavy" with
respect to any Plan Year if, as of the Determination Date for such Plan Year,
either:

     (a) NO REQUIRED AGGREGATION. The Top-Heavy Ratio for this Plan exceeds 60%
and this Plan is not part of any Required Aggregation Group, or

     (b) REQUIRED AGGREGATION. This Plan is part of a Required Aggregation Group
of plans and the Top-Heavy Ratio for the group of plans exceeds 60%; provided
that, if this Plan is part of one or more Permissive Aggregation Groups of plans
for which the Top-Heavy Ratio does not exceed 60%, this Plan shall not be
Top-Heavy.

     Section 1.03 MINIMUM CONTRIBUTION.

     (a) RECIPIENTS. With respect to any Plan Year for which the Plan is
Top-Heavy, each Participant who is not a Key Employee, and who has not ceased to
be an Employee prior to the end of such Plan Year, shall be entitled to a
contribution under this section. No Participant otherwise entitled to an
allocation under this subsection shall be ineligible for such allocation solely
because he or she has not completed 1,000 Hours of Service for the Plan Year.

     (b) AMOUNTS. The benefit of each Participant who meets the requirements of
subsection (a), and who does not participate in any defined benefit plan of any
Affiliated Company, shall be such Participant's Company Contribution (including
forfeitures) under the other provisions of the Plan; provided that the total
employer contribution (including forfeitures) allocated to the Account of such
Participant shall be not less than an amount which, when added to such
Participant's allocable share of employer contributions and forfeitures under
any other defined contribution plan of any of the Affiliated Companies, equals
at least 3% of his or her Remuneration. The benefit described in this subsection
(b) is subject to the following:

          (i) LIMIT. In the event that the percentage of employer contributions
     and forfeitures under the plans in which such Participant participates for
     the Plan Year on behalf of the Key Employee for whom such percentage is
     greatest is less than 3% of such Key Employee's Remuneration for the Plan
     Year, then such Participant shall not be entitled to a contribution under
     this subsection (b) for the Plan Year in excess of such percentage of such
     Participant's Remuneration, unless this Plan enables a defined

                                      35.

<PAGE>

     benefit plan included in a Required Aggregation Group with this Plan to
     satisfy the requirements of Section 401(a) or 410 of the Code (except the
     average benefits test).

          (ii) SALARY REDUCTION. Notwithstanding the preceding paragraph, if the
     highest rate allocated to a Key Employee is less than 3%, amounts
     contributed as a result of a salary reduction agreement will be included
     when determining contributions made on behalf of Key Employees.

          (iii) ADJUSTMENT. If a Participant also participates in a defined
     benefit plan of an Affiliated Company, then the minimum contribution
     requirement of this Section for that Participant will be fulfilled in
     accordance with this subsection, except that "3%" shall be substituted for
     "5%."

     Section 1.04 AFFILIATED COMPANIES. This Appendix will be administered
separately with regard to Affiliated Companies (if any) that are unrelated
within the meaning of Code Section 414.

                                       36.

<PAGE>

       APPENDIX IV: PARTICIPATION OF UNICARE FINANCIAL CORP. EMPLOYEES

            Effective for Compensation paid to Employees of UniCARE Financial
Corp. ("UniCARE") on and after March 25, 1994, and subject to the terms and
conditions outlined below, UniCARE will become a Participating Company under
this Plan.

     Section 1.01 ELIGIBILITY. Effective March 25, 1994, notwithstanding
anything to the contrary in this Plan, Employees of UniCARE who are actively at
work with UniCARE on March 25, 1994 and who were participants in the UniCARE
Financial Corp. Profit Sharing Plan ("UniCARE Plan") for the payroll period
ending February 28, 1994 will be eligible to participate in this Plan.

     Section 1.02 SERVICE. Effective March 25, 1994, notwithstanding anything to
the contrary in this Plan, hours of service with UniCARE were treated as Hours
of Service with the Company for all purposes under the Plan including, but not
limited to, determinations regarding eligibility to participate in the Plan and
determinations regarding a Participant's level of Matching Contributions (if
any) under the Plan.

     Section 1.03 PLAN MERGER. On June 1, 1994, the UniCARE Plan, which contains
certain annuity and installment options that are generally unavailable under the
terms of this Plan, was merged into this Plan. This Appendix is designed to
preserve withdrawal, distribution, and restoration of forfeiture provisions
contained in the UniCARE Plan to the extent required by the Retirement Equity
Act and by Code Section 411 for distributions that are made or begin prior to
the Change Date described in Section 1.08. Consequently, this appendix is
applicable only to assets (adjusted for future gains losses, expenses and
restorations of forfeitures) transferred to this Plan from the UniCARE Plan
("UniCARE Amount"). All references to a Participant's UniCARE Amount in this
Appendix are to that Participant's UniCARE Amount as of the most recent
Valuation Date.

     Section 1.04 UNICARE DISTRIBUTION AND WITHDRAWAL OPTIONS. A Participant may
elect to receive a withdrawal or a distribution (as the case may be) of his or
her UniCARE Amount as provided in (a), (b), or (c) immediately below, subject to
the restrictions that apply on and after the Change Date described in Section
1.08.

     (a) GENERAL PLAN PROVISIONS. A Participant may elect to receive his or her
UniCARE Amount pursuant to the withdrawal or the distribution provisions
generally applicable to assets held under the Plan. The installment and annuity
options described in subsections (b) and (c) are not available for distributions
made on and after the Change Date described in Section 1.08.

     (b) INSTALLMENT DISTRIBUTION. A Participant may elect to receive his or her
UniCARE Amount in substantially equal annual, or more frequent installments over
a period certain which does not extend beyond the life expectancy of the
Participant or the joint life expectancies of the Participant and the
Participant's Beneficiary. For these purposes, life expectancies will not be
recalculated.

     (c) ANNUITY OPTION. A Participant may elect to have his or her UniCARE
Amount used to purchase a nontransferable annuity contract that will be
distributed to the Participant in full satisfaction of all Plan obligations to
the Participant and the Participant's

                                       37.

<PAGE>

Beneficiaries with regard to the Participant's UniCARE Amount. A Participant who
makes such an election will be subject to the Notice and Waiver Provisions
contained in Section 5.05 of this Appendix and to the following additional
requirements.

          (i) NORMAL FORM. If the Participant is not married on his or her
     Annuity Starting Date, the Participant's Normal Form will be a single life
     annuity. If the Participant is married on his or her Annuity Starting Date,
     the Participant's Normal Form will be an immediate annuity for the life of
     the Participant with a survivor annuity for the life of the Participant's
     spouse (determined as of the date of distribution of the contract) which is
     50% of the amount of the annuity which is payable during the joint lives of
     the Participant and the Participant's spouse.

          (ii) ALTERNATE FORM. Subject to the requirements of Code Section
     401(a)(9), a Participant may elect to receive an immediate annuity for his
     or her life or a reduced immediate annuity for his or her life with a
     survivor annuity for the life of a Beneficiary that is 50% or 100% of the
     amount of the annuity that is payable during the joint lives of the
     Participant and the Beneficiary. An alternate form of annuity may also
     provide for an annuity certain feature for a period not exceeding the life
     expectancy of the Participant.

     Section 1.05 NOTICE AND WAIVER PROVISIONS. Subject to the "Special Waiver
of 30-Day Requirement" rules in Article XI of this Plan, the following
provisions are applicable to distributions and withdrawals described in Section
1.04(c) and Section 1.06(a) of this Appendix.

     (a) NOTICE. No less than 30 days and no more than 90 days before the
Annuity Starting Date, the Committee will provide the Participant, or the
Participant's surviving spouse, as the case may be, with a written explanation
of the terms and conditions of the Normal Form, the right to make, and the
effect of, an election to waive the Normal Form, the right of the Participant's
spouse (if any) to approve a Participant's waiver, the right to revoke a waiver
and the effect of revoking a waiver.

     (b) PROCEDURE. A waiver must be made on a form prepared by, and delivered
to, the Committee no earlier than 90 days before the Annuity Starting Date. The
Participant, or the Participant's surviving spouse, as the case may be, may
revoke or change a waiver at any time before the Annuity Starting Date by
delivering a subsequent form to the Committee that satisfies the Plan's waiver
procedures.

(c)   ADDITIONAL CONDITIONS APPLICABLE TO MARRIED PARTICIPANTS.

          (i) A Participant's spouse must waive any rights to the Participant's
     Normal Form in a document prepared by and delivered to the Committee, that
     acknowledges the effect of the waiver, and that is witnessed by a notary
     public. In the waiver, the Participant's spouse must either consent to the
     specific non-spouse Beneficiary or Beneficiaries named by the Participant,
     and the optional form of benefit selected by the Participant, or
     acknowledge that the surviving spouse had the right to limit consent only
     to a specific non-spouse Beneficiary or Beneficiaries, and to a specific
     optional form of benefit, and that the surviving spouse voluntarily elected
     to relinquish that right.

          (ii) CONSENT UNNECESSARY. If the Participant is legally separated or
     abandoned (within the meaning of local law) and the Participant has a court

                                      38.
<PAGE>

     order to that effect (and there are no Qualified Domestic Relations Orders
     as defined in Code Section 414(p) that provide otherwise), or the spouse
     cannot be located, then the waiver described in the preceding paragraph
     need not be filed with the Committee when a married Participant elects an
     optional form of benefit.

          (iii) EFFECT OF CONSENT. Any waiver by a spouse obtained pursuant to
     these procedures (or establishment that the consent of a spouse could not
     be obtained) is effective only with respect to that spouse.

Section 1.06 DEATH BENEFITS. Subject to the requirements of Code Section
401(a)(9), the following death benefit provisions apply to UniCARE Amounts,
provided, however, the annuity option described in subsection (a) will not be
available for distributions beginning on or after the Change Date.

     (a) MARRIED PARTICIPANT WHO ELECTED AN ANNUITY. If a married Participant
properly elects an annuity pursuant to the terms of this Appendix and dies
before his or her Annuity Starting Date, the Participant's UniCARE Amount will
be used to purchase a single life annuity (the Normal Form) for the
Participant's surviving spouse as soon as administratively possible after the
Participant's spouse requests purchase of such an annuity. Pursuant to the
Notice provisions of Sections 5.05(a) and (b) of this Appendix, the
Participant's surviving spouse may elect to receive the Participant's UniCARE
Amount pursuant to the distribution provisions generally applicable to assets
held under the Plan instead of in the Normal Form of a single life annuity.

     (b) UNMARRIED PARTICIPANT. If an unmarried Participant dies before his or
her Annuity Starting Date, the Participant's UniCARE Amount will be distributed
pursuant to the distribution provisions generally applicable to assets held
under the Plan and neither the annuity nor the installment provisions of this
Appendix will not apply.

     (c) MARRIED PARTICIPANT WHO DID NOT ELECT AN ANNUITY BEFORE THE CHANGE
Date. If a married Participant who did not properly elect an annuity pursuant
to the terms of this Appendix dies before his or her Annuity Starting Date,
or the Participant dies on or after the Change Date, the Participant's
UniCARE Amount will be distributed pursuant to the distribution provisions
generally applicable to assets held under the Plan and neither the annuity
nor the installment provisions of this Appendix will apply.

Section 1.07 RESTORATION OF FORFEITURES. Under the UniCARE Plan, an individual
who separated from service with UniCARE and who received a distribution (or a
deemed distribution) of the vested portion of his or her account under the
UniCARE Plan forfeited (or was deemed to forfeit) his or her unvested benefits
under the UniCARE Plan.

     (a) RETURN TO SERVICE. If such an individual (i) was reemployed by UniCARE
or (ii) became an Employee after January 20, 1994 (when UniCARE became a wholly
owned subsidiary of WellPoint Health Networks Inc.), the amount forfeited will
be restored (without earnings) as part of the individual's UniCARE Amount if the
individual pays to this Plan (or in the case of a deemed forfeiture, the
Participant is deemed to have repaid the Plan) the full amount of the
distribution before the earlier of (x) 5 years after the applicable event
described in (i) or (ii) above, or (y) the close of the first period of 5
consecutive 1-year breaks in service (as defined in the UniCARE Plan) following
the date of the distribution.

                                      39.
<PAGE>

     (b) FUNDS. Funds for restoring forfeitures under this Section will be drawn
from a special contribution to the Plan to be made by the appropriate
Participating Company, as determined by the Committee. This special contribution
will not be subject to the limitations under Internal Revenue Code Section 415.

     Section 1.08 CHANGE DATE. For purposes of this Appendix IV, Change Date
means July 1, 2001, provided that each affected Participant is furnished a
summary of material modifications that reflects the elimination of the annuity
and installment distribution options as applied to UniCARE Amounts not less than
90 days prior to such date.

                                      40.

<PAGE>

            APPENDIX V: PARTICIPATION OF COST CARE INC. EMPLOYEES

     Section 1.01 ELIGIBILITY. Effective March 1, 1997, individuals who were
employed by Cost Care, Inc. ("Cost Care") on February 28, 1997, and who became
Employees due to a corporate transaction on March 1, 1997 will be eligible to
participate in this Plan to the extent they satisfy the Plan's eligibility
requirements, taking into account the applicable service crediting provisions in
Article III of the Plan.

     Section 1.02 PLAN MERGER. Effective March 31, 1997, the Cost Care Inc.
Savings Plan ("Cost Care Plan"), under which certain annuity options were the
normal form of benefit, was merged into this Plan. The following provisions are
applicable only to assets (adjusted for future gains, losses, expenses and
restorations of forfeitures) merged into this Plan from the Cost Care Plan
("Cost Care Amount"). All references to a Participant's Cost Care Amount in this
Appendix are to that Participant's Cost Care Amount as of the most recent
Valuation Date.

Section 1.03      COST CARE DISTRIBUTION AND WITHDRAWAL OPTIONS.

     (a) GENERAL PLAN PROVISIONS. A Participant may elect to receive his or her
Cost Care Amount pursuant to the in-service withdrawal provisions or the
distribution provisions generally applicable to assets held under this Plan. For
distributions that begin prior to the Change Date described in Section 1.07, a
Participant may also elect among the annuity options described below.

     (b) ANNUITY OPTIONS. When requesting an in-service withdrawal or a
distribution, a Participant may elect to have his or her Cost Care Amount used
to purchase a nontransferable annuity contract that will be distributed to the
Participant in full satisfaction of all Plan obligations to the Participant and
the Participant's Beneficiaries with regard to the Participant's Cost Care
Amount. A Participant who makes such an election will be subject to the Notice
and Waiver Provisions contained in Section 1.04 of this Appendix and to the
following additional provisions.

          (i) NORMAL FORM. If the Participant is not married on his or her
     Annuity Starting Date, the Participant's Normal Form will become a single
     life annuity. If the Participant is married on his or her Annuity Starting
     Date, the Participant's Normal Form will become an immediate annuity for
     the life of the Participant with a survivor annuity for the life of the
     Participant's spouse (determined as of the date of distribution of the
     contract) which is 50% of the amount of the annuity which is payable during
     the joint lives of the Participant and the Participant's spouse.

          (ii) ALTERNATE FORMS. Subject to the requirements of Code Section
     401(a)(9), a Participant may elect to receive an immediate annuity for his
     or her life or a reduced immediate annuity for his or her life with a
     survivor annuity for the life of a Beneficiary that is 50% or 100% of the
     amount of the annuity that is payable during the joint lives of the
     Participant and a Beneficiary. An alternate form of annuity may also
     provide for an annuity payable for the Participant's lifetime with a
     minimum guarantee of 10 years of payments.

                                      41.
<PAGE>

     Section 1.04 NOTICE AND WAIVER PROVISIONS. Subject to the "Special Waiver
of 30-Day Requirement" rules in Article XI of this Plan, the following
provisions are applicable to distributions and withdrawals described in Section
1.03(b) and Section 1.05(a) of this Appendix.

     (a) NOTICE. No less than 30 days and no more than 90 days before the
Annuity Starting Date, the Committee will provide the Participant, or the
Participant's surviving spouse, as the case may be, with an explanation of the
terms and conditions of the Normal Form, the right to make, and the effect of,
an election to waive the Normal Form, the right of the Participant's spouse (if
any) to approve a Participant's waiver, the right to revoke a waiver and the
effect of revoking a waiver.

     (b) PROCEDURE. A waiver must be made on a form prepared by, and delivered
to, the Committee no earlier than 90 days before the Annuity Starting Date. The
Participant, or the Participant's surviving spouse, as the case may be, may
revoke or change a waiver at any time before the Annuity Starting Date by
delivering a subsequent form to the Committee that satisfies the Plan's waiver
procedures.

     (c) ADDITIONAL CONDITIONS APPLICABLE TO MARRIED PARTICIPANTS.

          (i) A Participant's spouse must waive any rights to the Participant's
     Normal Form in a document prepared by and delivered to the Committee, that
     acknowledges the effect of the waiver, and that is witnessed by a notary
     public. In the waiver, the Participant's spouse must either consent to the
     specific non-spouse Beneficiary or Beneficiaries named by the Participant,
     and the optional form of benefit selected by the Participant, or
     acknowledge that the surviving spouse had the right to limit consent only
     to a specific non-spouse Beneficiary or Beneficiaries, and to a specific
     optional form of benefit, and that the surviving spouse voluntarily elected
     to relinquish that right.

          (ii) CONSENT UNNECESSARY. If the Participant is legally separated or
     abandoned (within the meaning of local law) and the Participant has a court
     order to that effect (and there are no Qualified Domestic Relations Orders
     as defined in Code Section 414(p) that provide otherwise), or the spouse
     cannot be located, then the waiver described in the preceding paragraph
     need not be filed with the Committee when a married Participant elects an
     optional form of benefit.

          (iii) EFFECT OF CONSENT. Any waiver by a spouse obtained pursuant to
     these procedures (or establishment that the consent of a spouse could not
     be obtained) is effective only with respect to that spouse.

     Section 1.05 DEATH BENEFITS. Subject to the requirements of Code Section
401(a)(9), the following death benefit provisions apply to Cost Care Amounts,
provided, however, the annuity option described in subsection (a) will not be
available for distributions beginning on or after the Change Date described in
Section 5.07.

     (a) MARRIED PARTICIPANT WHO ELECTED AN ANNUITY. If a married Participant
properly elects an annuity pursuant to the terms of this Appendix and dies
before his or her Annuity Starting Date, the Participant's Cost Care Amount will
be used to purchase a single life annuity (the Normal Form) for the
Participant's surviving spouse as soon as administratively possible after the
Participant's spouse requests purchase of such an annuity. Pursuant to the
Notice provisions of Sections 1.04(a) and (b) of this Appendix, the
Participant's

                                      42.
<PAGE>

surviving spouse may elect to receive the Participant's Cost Care Amount
pursuant to the distribution provisions generally applicable to assets held
under the Plan instead of in the Normal Form of a single life annuity.

     (b) UNMARRIED PARTICIPANT. If an unmarried Participant dies before his or
her Annuity Starting Date, the Participant's Cost Care Amount will be
distributed pursuant to the distribution provisions generally applicable to
assets held under the Plan and the annuity provisions of this Appendix will not
apply.

     (c) MARRIED PARTICIPANT WHO DID NOT ELECT AN ANNUITY BEFORE THE CHANGE
Date. If a married Participant who did not properly elect an annuity pursuant to
the terms of this Appendix dies before his or her Annuity Starting Date, or if
the Participant dies on or after the Change Date described in Section 5.07 , the
Participant's Cost Care Amount will be distributed pursuant to the distribution
provisions generally applicable to assets held under the Plan and the annuity
provisions of this Appendix will not apply.

     Section 1.06 RESTORATION OF FORFEITURES. Under the Cost Care Plan, an
individual who separated from service with Cost Care and who received a
distribution (or a deemed distribution) of the vested portion of his or her
account under the Cost Care Plan forfeited (or was deemed to forfeit) his or her
unvested benefits under the Cost Care Plan.

     (a) RETURN TO SERVICE. If such an individual (i) was reemployed by Cost
Care or (ii) became an Employee after March 1, 1997, the amount forfeited will
be restored (without earnings) as part of the individual's Cost Care Amount if
the individual pays to this Plan (or in the case of a deemed forfeiture, the
Participant is deemed to have repaid the Plan) the full amount of the
distribution before the earlier of (x) 5 years after the applicable event
described in (i) or (ii) above, or (y) the close of the first period of 5
consecutive 1-year breaks in service (as defined in the Cost Care Plan)
following the date of the distribution.

     (b) FUNDS. Funds for restoring forfeitures under this Section will be
drawn from a special contribution to the Plan to be made by the appropriate
Participating Company, as determined by the Committee. This special
contribution will not be subject to the limitations under Internal Revenue
Code Section 415.

     Section 1.07 CHANGE DATE. For purposes of this Appendix V, Change Date
means July 1, 2001, provided that each affected Participant is furnished a
summary of material modifications that reflects the elimination of the annuity
and installment distribution options as applied to Cost Care Amounts not less
than 90 days prior to such date.

                                      43.
<PAGE>

  APPENDIX VI: PARTICIPATION OF JOHN HANCOCK MUTUAL LIFE INSURANCE EMPLOYEES

     Section 1.01 ELIGIBILITY. Effective March 1, 1997, individuals who were
employed by John Hancock Mutual Life Insurance Company ("Hancock") on February
28, 1997, and who became Employees due to a corporate transaction on March 1,
1997 will be eligible to participate in this Plan to the extent they satisfy the
Plan's eligibility requirements, taking into account the applicable service
crediting provisions in Article III of the Plan.

     Section 1.02 PLAN MERGER. On March 31, 1997, The Investment-Incentive Plan
for Hancock Employees ("Hancock Plan"), which contains a partial distribution
option that is not generally available under the terms of this Plan, was merged
into this Plan. Consequently, the partial distribution option described below
applies only to assets (adjusted for future gains losses, and expenses)
transferred to this Plan from the Hancock Plan ("Hancock Amount"). All
references to a Participant's Hancock Amount are to that Participant's Hancock
Amount as of the most recent Valuation Date.

     Section 1.03 HANCOCK DISTRIBUTION AND WITHDRAWAL OPTIONS.

     (a) GENERAL PLAN PROVISIONS. A Participant or a Beneficiary (as the case
may be) may elect to receive his or her Hancock Amount pursuant to the
withdrawal or the distribution provisions generally applicable to assets held
under the Plan.

     (b) PARTIAL DISTRIBUTIONS. Subject to the requirements of Code Section
401(a)(9), a Participant who has attained age 59-1/2 or who is otherwise
eligible for a Plan distribution that is not an in-service withdrawal, an
Alternate Payee of such a Participant, or a Beneficiary who is the surviving
spouse of such a Participant, may elect to receive all or a portion of such a
Participant's Hancock Amount at any time.

                                       44.

<PAGE>

                      APPENDIX VII: PARTICIPATING COMPANIES

The following entities are Participating Companies in this Plan as of January 1,
2001:

      Blue Cross of California

      Comprehensive Integrated Marketing Services

      WellPoint Behavioral Health, Inc.

      Cost Care, Inc.

      Professional Claim Services, Inc.

      WellPoint Development Company, Inc.

      UNICARE Life & Health Insurance Company

      UNICARE Capital Preferred Provider Organization, Inc.

      Rush Prudential Health Plans (became UNICARE Health Plans of the Midwest
      and UNICARE Health Plans, Inc.)

      Precision Rx, Inc.

The following entities were Participating Companies as of January 1, 1997:

      UNICARE Insurance Company (sold September 1, 1998)

      UNICARE of Texas Health Plans, Inc. (no employees as of
      January 1, 2001)

                                       45.

<PAGE>

                     APPENDIX VIII: DISTRIBUTION PROVISIONS

            The information contained in this Appendix is consistent with the
Plan's distribution provisions, and is generally required by law to be
explicitly stated in the Plan.

                  1.01 INCORPORATION BY REFERENCE OF 401(a)(9) REGULATIONS.
Effective January 1, 1985, distributions will be made in accordance with the
Regulations under Code Section 401(a)(9), including the minimum distribution
incidental benefit requirement of Code Section 401(a)(9)(G).

                  1.02 REQUIRED BEGINNING DATE. Notwithstanding anything
contrary in the Plan, a Participant may not defer payment of Plan benefits past
his or her required beginning date. If a Participant attains age 70-1/2 before
January 1, 2000, or if the Participant is a 5% owner (within the meaning of Code
Section 416(i)), his or her required beginning date is April 1 following the
close of the calendar year in which the Participant attains age 70-1/2. If a
Participant who is not a 5% owner attains age 70-1/2 on or after January 1,
2000, his or her required beginning date is April 1 of the later of (i) the
calendar year following the calendar year in which the Participant attains age
70-1/2, or (ii) the calendar year following the calendar year in which
Participant terminates employment.

                  1.03 FORM. Except with respect to a UniCARE Amount, Cost Care
Amount or NCPPO Amount subject to an annuity or installment election, a
Participant's Plan benefits will be distributed in a single sum at the
Participant's required beginning date if the Participant has not made a prior
valid election to receive his or her benefits at an earlier distribution date.
If the Participant's required beginning date occurs prior to his or her
termination of employment, any benefits accrued during the Plan Year in which
his or her required beginning date occurs, or any later year, will be
distributed to the Participant no later than last day of the following calendar
year.

                  Any UniCARE Amounts, Cost Care Amounts or NCPPO Amounts
 subject to an annuity or installment election will be distributed to the
 Participant in the annuity contract form described in the applicable Appendix
 unless the Participant makes a valid election to receive an alternative form
 under the required procedures, provided, however, that the annual payment under
 any form must be not less than the 401(a)(9) amount described below.

                  1.04 401(a)(9) AMOUNT FOR PARTICIPANTS. The minimum required
distribution for each calendar year ("401(a)(9) amount"), starting with the
calendar year preceding the calendar year in which the Participant's required
beginning date occurs, is determined by dividing the Participant's Account,
valued at the last day of the year, by the remaining life expectancy of the
Participant. The life expectancy will not be recalculated. A new Annuity
Starting Date will apply upon the occurrence of a standard distribution event
under the Plan (E.G., the Participant's termination of employment or the
termination of the Plan), and the Participant's subsequent Plan benefits will be
redetermined to reflect prior benefit payments.

                  1.05  BENEFICIARY DISTRIBUTIONS.

     (a) DEATH BEFORE REQUIRED BEGINNING DATE. If the Participant dies before
his or her required beginning date, distribution of the Participant's entire
Account, other than any UniCARE Amount, Cost Care Amount and NCPPO Amount
subject to an annuity

                                       46.
<PAGE>

or installment option will be completed by December 31 of the calendar year
containing the fifth anniversary of the Participant's death. With respect to any
UniCARE Amount, Cost Care Amount and NCPPO Amount subject to an annuity or
installment option, distribution shall be made consistent with the preceding
sentence except to the extent that the Beneficiary makes an election in
accordance with the following paragraphs:

          (i) DESIGNATED BENEFICIARY. If any portion of the Participant's
     UniCARE Amount, Cost Care Amount and NCPPO Amount that is subject to an
     annuity or installment option is payable to a designated Beneficiary,
     distributions may be made for a period certain not greater than the life
     expectancy of the designated Beneficiary commencing on or before December
     31 of the calendar year immediately following the calendar year in which
     the Participant died.

          (ii) SURVIVING SPOUSE. If the designated Beneficiary is the
     Participant's surviving spouse, the date that distributions payable for a
     period certain not greater than the life expectancy of the Participant's
     surviving spouse are required to begin to the Participant's surviving
     spouse shall not be earlier than the later of December 31 of the calendar
     year immediately following the calendar year in which the Participant died,
     and December 31 of the calendar year in which the Participant would have
     attained age 70-1/2.

          (iii) DEATH OF SPOUSE. If the surviving spouse dies after the
     Participant, but before payments to the spouse begin, the provisions of
     this subsection, with the exception of paragraph (ii), shall be applied as
     if the surviving spouse were the Participant.

     (b) DEATH AFTER REQUIRED BEGINNING DATE. If a Participant dies after the
Participant's required beginning date, any remaining Plan benefits attributable
to the Participant's UniCARE Amount, Cost Care Amount and NCPPO Amount will
continue to be distributed at least as rapidly as under the method of
distribution in effect before the Participant's death.

                  1.06 TIMING. Subject to Regulation 1.411(a)-11(c)(7) and the
provisions of this Plan, benefits of a former Participant shall become payable
no later than 60 days after the last to occur of (a) the last day of the Plan
Year in which the Participant attains age 65, (b) the last day of the Plan Year
in which the Participant separates from employment with the Company, or (c) the
10th anniversary of the last day of the Plan Year in which the Participant
commenced participation in the Plan.

                                      47.

<PAGE>

                                  APPENDIX IX:

                                   MERGER OF
            NATIONAL CAPITAL PREFERRED PROVIDER ORGANIZATION, INC.
                                  401(k) PLAN

            The National Capital Preferred Provider Organization, Inc. 401(k)
Plan (the "NCPPO Plan") is merged with and into the Plan effective as of June 1,
1999 (the "Merger Date"). The merger of the Plan and NCPPO Plan is effected in
accordance with the following provisions:

            1.01 ELIGIBILITY. Effective June 1, 1999, notwithstanding anything
to the contrary in the Plan, each Employee who is a participant in the NCPPO
Plan on May 31, 1999 will be eligible to participate in the Plan in accordance
with the provisions in Article IV.

            1.02 TRANSFER OF ACCOUNT BALANCES. The account balances of each
participant (including former and active employees of NCPPO) in the NCPPO Plan
(each an "NCPPO Participant") will be transferred to the Plan through a direct
transfer from the trust fund of the NCPPO Plan to the Trust Fund for the Plan on
the Merger Date and will be held on behalf of the NCPPO Participants. References
in the Plan to "Participant" shall include any NCPPO Participant who ceased to
be an employee of NCPPO before the Merger Date. The rights and benefits of such
an individual will be determined in accordance with the provisions of the NCPPO
Plan in effect on the date on which such NCPPO Participant ceased to be an NCPPO
employee. Such rights and benefits also will be subject to any provisions of the
Plan that are specifically made effective to such date.

            1.03 AMOUNT OF ACCOUNT. The account balance maintained for each
NCPPO Participant immediately prior to the Merger Date shall be credited to the
Account maintained for such individual under the Plan immediately after the
Merger Date.

             1.04 PROTECTED BENEFITS. The terms and provisions of the Plan will
govern the rights, benefits and entitlements of all Participants and any other
individuals who have an interest in an Account under the Plan. The terms and
provisions of the NCPPO Plan are extinguished and will cease to have any force
or effect as of the Merger Date. However, this Appendix IX is designed to
preserve under the Plan any benefits that were accrued under the NCPPO Plan
prior to the Merger Date to the extent such benefits are protected under Code
Section 411(d)(6) (`Protected Benefits'). Consequently, this Appendix IX is
applicable only to assets (adjusted for future gains, losses, expenses and
restorations of forfeitures) transferred to the Plan from the NCPPO Plan ("NCPPO
Amount") on behalf of an NCPPO Participant. All references to a Participant's
NCPPO Amount in this Appendix are to that Participant's NCPPO Amount as of the
most recent Valuation Date. The following benefits, rights and features are
Protected Benefits with respect to NCPPO Amounts:

                   (a) An NCPPO Participant's right to withdraw amounts
attributable to his or her after-tax contributions, subject to distribution
provisions in Section 1.09 below.

                  (b) The automatic and optional distribution forms of benefit
specified below in Section 1.09 below.

                                       48.
<PAGE>

            1.05  IMMEDIATE VESTING.      An NCPPO Participant's NCPPO Amount
will be fully vested at the Merger Date to the extent not previously vested.

            1.06 INVESTMENT OF ACCOUNT BALANCE. The account balances transferred
from the NCPPO Plan to the Plan will be invested in such Fund or Funds as the
Committee deems appropriate. Following reconciliation of the transferred account
balances, the NCPPO Amount will be invested in accordance with each
Participant's investment directive.

            1.07 SERVICE CREDIT. Service recognized under the NCPPO Plan will
not be taken into account for purposes of determining whether a NCPPO
Participant is eligible for the Grandfathered Match that was implemented in
1997.

            1.08 PREVIOUS AUTHORIZATIONS. All distributions in progress,
outstanding loans, beneficiary designations and qualified domestic relations
orders under the NCPPO Plan, except as provided to the contrary in this Appendix
will be effective under the Plan as of the Merger Date until such time as such
distributions in progress, outstanding loans, beneficiary designations and
qualified domestic relations orders shall be made under the Plan for NCPPO
Participants.

            1.09  DISTRIBUTIONS.

                  (a)   GENERAL PLAN PROVISIONS.  A NCPPO Participant may
elect to receive his or her NCPPO Amount pursuant to the withdrawal or the
distribution provisions (E.G., a single sum) generally applicable to assets
held under the Plan.

                  (b) ANNUITY OPTIONS. For distributions that begin prior to the
Change Date described in Section 1.13, a NCPPO Participant may elect to have his
or her NCPPO Amount used to purchase a nontransferrable annuity contract that
will be distributed to the Participant in full satisfaction of all Plan
obligations to the Participant and the Participant's Beneficiaries with regard
to the Participant's NCPPO Amount. A Participant who makes such an election will
be subject to the Notice and Waiver Provisions contained in Section 1.10 of this
Appendix and to the following additional requirements.

                        (i)   NORMAL FORM.  If the Participant is not married
on his or her Annuity Starting Date, the Participant's Normal Form will be a
single life annuity with an installment refund. If the Participant is married on
his or her Annuity Starting Date, the Participant's Normal Form will be an
immediate annuity for the life of the Participant with a survivor annuity for
the life the Participant's spouse (determined as of the date of distribution of
the contract) which is 50% of the amount of the annuity that is payable during
the joint lives of the Participant and the Participant's spouse.

                        (ii)  ALTERNATE FORM.  Subject to the requirements of
Code Section 401(a)(9) and the consent requirements in Section 1.10(c) below, a
Participant may elect to receive:

                        (A)   a single life annuity with a certain period of
five, ten or fifteen years;

                        (B)   a straight life annuity;

                                       49.
<PAGE>

                        (C)   a reduced immediate annuity for his or her life
with a survivor annuity with installment refund that is 50%, 66-2/3% or 100% of
the amount of the annuity that is payable during the joint lives of the
Participant and the Beneficiary;

                        (D)   a fixed period annuity for any period of whole
months not less than sixty, provided the payout term does not exceed the life
expectancy of the Participant and Beneficiary where the life expectancy is not
recalculated; or

                        (E)   substantially equal annual installments over a
period certain that does not extend beyond the life expectancy of the
Participant or the joint life expectancies of the Participant and the
Participant's Beneficiary. Life expectancies will not be recalculated.

            1.10 NOTICE AND WAIVER PROVISIONS. Subject to the "Special Waiver of
30-Day Requirement" rules in Article XI of this Plan, the following provisions
are applicable to distributions and withdrawals described in Section 1.10(b) and
Section 1.11(a) of this Appendix.

                   (a) NOTICE. No less than 30 days and no more than 90 days
before the Annuity Starting Date, the Committee will provide the Participant, or
the Participant's surviving spouse, as the case may be, with a written
explanation of the terms and conditions of the Normal Form, the right to make,
and the effect of, an election to waive the Normal Form, the right of the
Participant's spouse (if any) to approve a Participant's waiver, the right to
revoke a waiver and the effect of revoking a waiver.

                  (b) PROCEDURE. A waiver must be made on a form prepared by,
and delivered to, the Committee no earlier than 90 days before the Annuity
Starting Date. The Participant, or the Participant's surviving spouse, as the
case may be, may revoke or change a waiver at any time before the Annuity
Starting Date by delivering a subsequent form to the Committee that satisfies
the Plan's waiver procedures.

                  (c)  ADDITIONAL CONDITIONS APPLICABLE TO MARRIED PARTICIPANTS.

                        (i)   WAIVER.  A Participant's spouse must waive any
rights to the Participant's Normal Form in a document prepared by and delivered
to the Committee, that acknowledges the effect of the waiver, and that is
witnessed by a notary public. In the waiver, the Participant's spouse must
either consent to the specific non-spouse Beneficiary or Beneficiaries named by
the Participant, and the optional form of benefit selected by the Participant,
or acknowledge that the surviving spouse had the right to limit consent only to
a specific non-spouse Beneficiary or Beneficiaries, and to a specific optional
form of benefit, and that the surviving spouse voluntarily elected to relinquish
that right.

                        (ii)  CONSENT UNNECESSARY.  If the Participant is
legally separated or abandoned (within the meaning of local law) and the
Participant has a court order to that effect (and there are no Qualified
Domestic Relations Orders as defined in Code Section 414(p) that provide
otherwise), or the spouse cannot be located, then the waiver described in the
preceding paragraph need not be filed with the Committee when a married
Participant elects an optional form of benefit.

                        (iii) EFFECT OF CONSENT.  Any waiver by a spouse
obtained pursuant to these procedures (or establishment that the consent of a
spouse could not be obtained) is effective only with respect to that spouse.

                                       50.
<PAGE>

            1.11  DEATH BENEFITS.  Subject to the requirements of Code
Section 401(a)(9), the following death benefit provisions apply to NCPPO
Amounts.

                        (a)   MARRIED PARTICIPANT WHO ELECTED AN ANNUITY.
For distributions made prior to the Change Date described in Section 1.13, if a
married Participant properly elects an annuity pursuant to the terms of this
Appendix and dies before his or her Annuity Starting Date, the Participant's
NCPPO Amount will be used to purchase a single life annuity (the Normal Form)
for the Participant's surviving spouse as soon as administratively possible
after the Participant's spouse requests purchase of such an annuity. Pursuant to
the Notice provisions of Sections 1.10(a) and (b) of this Appendix, the
Participant's surviving spouse may elect to receive the Participant's NCPPO
Amount pursuant to the distribution provisions generally applicable to assets
held under the Plan instead of in the Normal Form of a single life annuity with
an installment refund.

                        (b)   UNMARRIED PARTICIPANT.  If an unmarried
Participant dies before his or her Annuity Starting Date, the Participant's
NCPPO Amount will be distributed pursuant to the distribution provisions
generally applicable to assets held under the Plan and neither the annuity nor
the installment provisions of this Appendix will not apply.

                        (c)   MARRIED PARTICIPANT WHO DID NOT ELECT AN
ANNUITY BEFORE THE CHANGE DATE. If a married Participant who did not properly
elect an annuity pursuant to the terms of this Appendix dies before his or her
Annuity Starting Date, the Participant's NCPPO Amount will be distributed
pursuant to the distribution provisions generally applicable to assets held
under the Plan and neither the annuity nor the installment provisions of this
Appendix will apply.

            1.12 LOANS. A Participant must obtain the consent of his or her
spouse to a loan from the Plan to the extent the loan is secured by the
Participant's NCPPO Amount and is made prior to the Change Date described in
Section 1.13. The spouse's consent must be provided as described in Section
1.10(c) above.

            1.13 CHANGE DATE. For purposes of this Appendix V, Change Date means
July 1, 2001, provided that each affected Participant is furnished a summary of
material modifications that reflects the elimination of the annuity and
installment distribution options as applied to NCPPO Amounts not less than 90
days prior to such date.

                                       51.

<PAGE>

                                   APPENDIX X:

            MERGER OF RUSH PRUDENTIAL HEALTH PLANS RETIREMENT PLAN

            1.01 ELIGIBILITY. Effective the first day of the first payroll
period beginning after March 3, 2000 ("Acquisition Date"), notwithstanding
anything to the contrary in the Plan, each individual employed by Rush
Prudential Health Plans ("Rush Prudential") on the day immediately preceding the
Acquisition Date who becomes an Employee as of the Acquisition Date will be
eligible to participate in the Plan to the extent that he or she satisfies the
Plan's eligibility requirements, taking into account the applicable service
crediting provisions in Article III of the Plan.

            1.02 TRANSFER OF ACCOUNT BALANCES. As soon as administratively
possible following the Acquisition Date, the Rush Prudential Health Plans
Retirement Plan ("Rush Pru Plan") will be merged into this Plan, thereby
amending the terms of the Rush Pru Plan, which will cease to have any force or
effect. In connection with the merger, the account balance of (i) each
individual participating in the Rush Pru Plan who became an Employee as of the
Acquisition Date, and (ii) each former employee of Rush Prudential with a
balance in the Rush Pru Plan as of the merger date (each a "Rush Pru Employee")
will be transferred to the Plan. References in the Plan to "Participant" include
any Rush Pru Employee who ceased to be an employee of Rush Prudential prior to
the Acquisition Date, but had an account balance under the Rush Pru Plan as of
the merger date.

            1.03 SERVICE CREDIT. Service recognized under the Rush Pru Plan will
not be taken into account for purposes of determining whether a Rush Pru
Employee is eligible for the Grandfathered Match that was implemented in 1997.
Service recognized under the Rush Pru Plan will be taken into account for
purposes of determining whether a Rush Pru Employee has incurred five One Year
Periods of Severance.

             1.04 PREVIOUS AUTHORIZATIONS. All distributions in progress,
outstanding loans, beneficiary designations and qualified domestic relations
orders initiated under the Rush Pru Plan, except as provided to the contrary in
this Appendix, will be administered under the Plan as of the merger date.

            1.05 RESTORATION OF FORFEITURES. Each Rush Pru Employee who became
an Employee as of the Acquisition Date was fully vested in any benefits accrued
under the Rush Pru Plan. Under the terms of the Rush Pru Plan, the nonvested
portion of a participant's account balance (if any) was forfeited at the earlier
of (i) the date the participant received a distribution or (ii) the date the
participant had a one-year break in service.

                  (a) RETURN TO SERVICE. If an individual described in clause
(i) above becomes an Employee after the Acquisition Date but before incurring
five consecutive one-year breaks in service (as determined under the Rush Pru
Plan), the amount forfeited will be restored (without earnings) to the
individual's Account under the Plan if the individual pays to this Plan the full
amount of such distribution within five years after the date of his employment
as an Employee. If an individual described in clause (ii) above becomes an
Employee after the Acquisition Date and before incurring five consecutive
one-year breaks in service, the amount forfeited will be restored to the
individual's Account under the Plan.

                                       52.
<PAGE>

                  (b) FUNDS. Funds for restoring forfeitures under this Section
will be drawn from a special contribution the Plan to be made by the appropriate
Participating Company, as determined by the Committee. The special contribution
will not be subject to the limitations under the Internal Revenue Code Section
415.

                                       53.<PAGE>
                                                                EXHIBIT 10.24

 [WELLPOINT
    LOGO]

WELLPOINT HEALTH NETWORKS, INC.
1 WELLPOINT WAY
THOUSAND OAKS, CA  91362
(805) 557-6797
www.wellpoint.com

<PAGE>

                                                                 [WELLPOINT
                                                                    LOGO]

           BENEFITS FOR
           YOUR LIFE AND CAREER

                             2001 OFFICER BENEFITS ENROLLMENT GUIDE

<PAGE>

                          HOW TO USE THIS GUIDE

YOUR 2001 OFFICER BENEFITS ENROLLMENT GUIDE CONTAINS INFORMATION ON THE
FLEXPOINT BENEFITS PROGRAM AND THE FLEXEXEC OFFICER BENEFITS PROGRAM.  YOUR
FLEXPOINT ENROLLMENT WORKSHEET LISTS YOUR OPTIONS AND THE COSTS ASSOCIATED
WITH THOSE OPTIONS.  USE THIS ENROLLMENT GUIDE FOR:

-  ENROLLMENT PROCEDURES FOR NEWLY-HIRED OFFICERS
Enrollment procedures for newly-hired Officers are on page 10 of this Guide.

-  OPEN ENROLLMENT
An overview of the 2001 FLEXPoint Benefits Program and enrollment procedures
is on pages 8-9.  YOU ONLY NEED TO CALL OR LOG ON TO FLEXCONNECT IF YOU WOULD
LIKE TO CHANGE YOUR BENEFIT ELECTION(S), MAKE CORRECTIONS AND/OR ELECT
FLEXIBLE SPENDING ACCOUNT(S) FOR 2001.

Read the FLEXPoint Enrollment Guide CAREFULLY to determine the benefits that
best suit your needs for 2001.  FLEXCONNECT IS AVAILABLE DURING OPEN
ENROLLMENT FROM OCTOBER 16, 2000 THROUGH OCTOBER 30, 2000.  YOU MAY ENROLL BY
CALLING (800) 231-8140 OR THROUGH THE INTERNET (http://www.my-benefits.com)
OR THE WELLPOINT CORPORATE INTRANET (http://home.wellpoint.com).

-  BENEFIT INFORMATION
Explanations of the 2001 benefits are included for your review.

FLEXPOINT
FLEXPoint benefits provide you and your family with health care and life
insurance coverage options.  You can change most of your benefits once a year
in order to meet your needs for the upcoming year.  Read this section
CAREFULLY because YOU WILL NOT BE ABLE TO CHANGE your elections during the
year except as a result of a qualified mid-year change or if you meet special
enrollment requirements.

FLEXEXEC
An overview of the additional benefits provided to WellPoint Officers is
included.

BALANCED LIFE BENEFITS
WellPoint offers you a wide spectrum of benefits in addition to our FLEXPoint
benefits to assist you in balancing your career and your personal life.  You
can take advantage of many of the benefits at any time during the year.

FINANCIAL FUTURE AND RETIREMENT
Brief descriptions of the Pension Plan, 401(k) Retirement Savings Plan and
Employee Stock Purchase Plan are included.

-  MID-YEAR CHANGES
WellPoint Officers experience a number of CHANGES THROUGHOUT THE YEAR that
could affect their benefits, including marriage, birth, and change of
employment.  Review this section to learn more about mid-year changes and
what to do.

-  COBRA
An explanation of COBRA coverage is included for your review.

-  IMPORTANT INFORMATION
An explanation of important legislation is included.

-  IMPORTANT TELEPHONE NUMBERS AND CLAIMS ADDRESSES
A listing of phone numbers for providers and addresses for submitting claims
is included.

<PAGE>

                              ABOUT THIS GUIDE

This Guide does not serve as a guarantee of continued employment of benefits.
WellPoint policies on hiring, discharge, layoff, and discipline are in no way
affected by the programs described here.  in particular, nothing in this
booklet alters WellPoint's at-will employment policy which provides that
employment with WellPoint is not for a specified period of time and can be
terminated by either WellPoint or the Officer at any time, with or without
cause or advance notice.

In addition, WellPoint reserves the right to amend or discontinue the
WellPoint Plans--or any part of them--with or without notice, at any time at
WellPoint's sole discretion.  if there is a discrepancy between this document
and the Plan Documents, the provisions of the Plan Documents will govern.

                    2001 Officer Benefits Enrollment Guide

<PAGE>

BENEFITS FOR YOUR LIFE & CAREER

                               TABLE OF CONTENTS
<TABLE>

<S>                                                                    <C>
2001 BENEFITS                                                            1

        FLEXPoint                                                        1

        FLEXExec                                                         2

        Comprehensive Executive Nonqualified Retirement Plan             2

FLEXPOINT ELIGIBILITY                                                    3

HOW FLEXPOINT WORKS                                                      5

DOMESTIC PARTNER COVERAGE                                                6

OPEN ENROLLMENT PROCEDURES FOR CURRENT WELLPOINT OFFICERS                8

ENROLLMENT PROCEDURES FOR NEWLY-HIRED OFFICERS                          10

FLEXPOINT BENEFITS INFORMATION                                          11

        Your Medical Coverage                                           11

        Your Dental Coverage                                            19

        Your Vision Coverage                                            21

        Your Life Insurance Coverage                                    22

        Your Dependent Life Insurance Coverage                          23

        - Spouse/Partner                                                23

        - Children                                                      23

        Your Accidental Death and Dismemberment
        (AD&D) Insurance Coverage                                       24

        Your Flexible Spending Accounts                                 25

        - Health Care                                                   25

        - Dependent Day Care                                            26

FLEXEXEC                                                                28

        Officer Physical Exams                                          28

        Group Universal Life Insurance                                  29

        Disability Coverage                                             29

        Comprehensive Nonqualified Retirement Plan                      30

BALANCED LIFE BENEFITS                                                  34

        Employee Assistance and Work/Life Program                       34

        MedCall                                                         34

        Tuition Assistance                                              34

        Work on Wellness                                                35

        Time Off                                                        35

FINANCIAL FUTURE AND RETIREMENT                                         36

        Pension Accumulation Plan                                       36

        401(k) Retirement Savings Plan                                  36

        Employee Stock Purchase Plan                                    37

MID-YEAR CHANGES                                                        38

CONTINUING HEALTH COVERAGE ("COBRA")                                    41

IMPORTANT INFORMATION                                                   43

IMPORTANT TELEPHONE NUMBERS AND CLAIM ADDRESSES                         44

</TABLE>

                                                [WELLPOINT LOGO]
<PAGE>

YOUR 2001 BENEFITS
            PROGRAM

Here's a quick look at the benefits offered to Officers of WellPoint Health
Networks Inc.

FLEXPOINT

<TABLE>
<CAPTION>

Plan                                    Options
----                                    -------

<S>                                     <C>
MEDICAL                                 WellPoint Preferred PPO, WellPoint Group or HMOs
                                        Waive coverage
----------------------------------------------------------------------------------------------
DENTAL                                  Dental Net (available only in California.
                                        Standard Dental
                                        Enhanced Dental
                                        Waive coverage
----------------------------------------------------------------------------------------------
VISION                                  Vision Service Plan
                                        Waive coverage
----------------------------------------------------------------------------------------------
LIFE INSURANCE                          $50,000
                                        1 times your benefit salary
                                        2 times your benefit salary
                                        3 times your benefit salary
                                        4 times your benefit salary
                                        Waive coverage
----------------------------------------------------------------------------------------------
ACCIDENTAL DEATH AND DISMEMBERMENT      1 times your benefit salary
 (AD&D) INSURANCE                       2 times your benefit salary
                                        3 times your benefit salary
                                        4 times your benefit salary
----------------------------------------------------------------------------------------------
DEPENDENT LIFE INSURANCE
   SPOUSE/DOMESTIC PARTNER:             $5,000
                                        1/2 your benefit salary
                                        1 times your benefit salary
                                        Waive coverage
----------------------------------------------------------------------------------------------
   EACH CHILD*:                         $5,000
                                        $10,000
                                        $25,000
                                        Waive coverage
----------------------------------------------------------------------------------------------
FLEXIBLE SPENDING ACCOUNTS              Health care up to $5,000
                                        Dependent daycare up to $5,000
----------------------------------------------------------------------------------------------
</TABLE>

*Amount payable depends on age of child.  See page 23.

                                      1
<PAGE>

FLEXEXEC

These benefit plans are provided for all WellPoint Officers automatically--no
enrollment is required.

<TABLE>
<CAPTION>

PLAN                                                    OPTIONS
-----------------------------------------------------------------------------------------------------------------
<S>                                     <C>
OFFICER PHYSICAL EXAMS                  Available to Vice Presidents and above with one year of service
-----------------------------------------------------------------------------------------------------------------
GROUP UNIVERSAL LIFE                    2 times compensation* for Vice Presidents and General Managers
                                        3 times compensation* for Senior Vice Presidents and above
-----------------------------------------------------------------------------------------------------------------
SHORT-TERM DISABILITY                   Maximum of 26 weeks salary continuance
-----------------------------------------------------------------------------------------------------------------
LONG-TERM DISABILITY                    60% of compensation** for Vice Presidents and General Managers
                                        70% of compensation** for Senior and Executive Vice Presidents
-----------------------------------------------------------------------------------------------------------------
FINANCIAL PLANNING SEMINARS             Periodic seminars to assist Officers with financial/retirement planning,
                                        stock options, deferred compensation, and stock ownership quidelines
-----------------------------------------------------------------------------------------------------------------
</TABLE>

* Base salary as of September 1, 2000 plus target management bonus
**Base salary as of September 1, 2000 plus target management bonus
  and commissions received from 9/1/99 through 8/31/00

COMPREHENSIVE EXECUTIVE NONQUALIFIED RETIREMENT PLAN

<TABLE>
<CAPTION>

PLAN                                                    OPTIONS
-----------------------------------------------------------------------------------------------------------------
<S>                                     <C>
SUPPLEMENTAL 401(k) DEFERRAL            You may defer 1% - 6% after contributing the annual maximum to the
                                        401(k) plan and also before becoming eligibile for the Company match;
                                        deferrals receive a Company matching contribution
-----------------------------------------------------------------------------------------------------------------
SALARY DEFERRAL                         You may defer 1% - 60% of your base salary
-----------------------------------------------------------------------------------------------------------------
MANAGEMENT BONUS DEFERRAL               You may defer 1% - 100% of your 2001 bonus to be paid in 2002
-----------------------------------------------------------------------------------------------------------------
CAR ALLOWANCE DEFERRAL                  $4,800 annually for Vice Presidents and General Managers
(IF YOU DO NOT ELECT TO DEFER,          $7,200 annually for Senior Vice Presidents
YOU WILL RECEIVE THE AMOUNT AS          $9,600 annually for Executive Vice Presidents and above
TAXABLE INCOME)
-----------------------------------------------------------------------------------------------------------------
SUPPLEMENTAL PENSION PLAN               WellPoint automatically makes contributions for compensation in excess
                                        of $170,000; 5-year vesting applies
-----------------------------------------------------------------------------------------------------------------
</TABLE>

ADDITIONAL PLANS

<TABLE>
<CAPTION>

PLAN                                                    OPTIONS
-----------------------------------------------------------------------------------------------------------------
<S>                                    <C>
WELLPOINT 401(k) RETIREMENT             Highly compensated may defer 2% - 8% of compensation;
SAVINGS PROGRAM                         Company match applies (see page 36 for details)
-----------------------------------------------------------------------------------------------------------------
EMPLOYEE STOCK PURCHASE PLAN            You may contribute between $20 and $817.30 per pay period
                                        (see page 37 for details)
-----------------------------------------------------------------------------------------------------------------

</TABLE>

                                      2
<PAGE>

FLEXPOINT ELIGIBILITY

OFFICERS

All full-time Officers are eligible for FLEXPoint benefits on the first of the
month following or coinciding with one calendar month of employment. For
example, if you begin work on July 15, you will be eligible to participate in
FLEXPoint on September 1. If you begin work on July 1, you will be eligible to
participate on August 1.

If you are rehired within one year of termination, you are eligible for
FLEXPoint benefits on the first of the month following your rehire date.

DEPENDENTS

You may only enroll your eligible dependents in FLEXPoint benefits. Enrolling
dependents that are not eligible is a violation of Company policy that is
subject to disciplinary action up to and including termination of employment.
Domestic partner coverage is now available for health and life insurance
benefits. See pages 6-7.

Eligible dependents include:

-    Your spouse/domestic partner

-    Your or your partner's unmarried children through age 18 who are your
     dependents for income tax purposes. Legally-adopted children, stepchildren
     and any child for whom you or your spouse/partner is a legal guardian are
     eligible under the same terms as your own natural children.

-    Your or your partner's unmarried children, age 19 through 24, who are your
     dependents for income tax purposes and enrolled for 12 or more credits per
     semester (or equivalent full-time basis) in an accredited college,
     university, or post-high-school trade or technical school. You will be
     required to provide proof of full-time student status.

-    Your or your partner's unmarried children who are your dependents for
     income tax purposes and who are declared by a physician to be incapacitated
     or disabled. A physician's note is required, and generally the child must
     have been covered under the plan at the time of disability.

Note: You may not be covered as an associate and as a dependent on WellPoint's
medical, dental, vision or life insurance plans. For example, if you and your
spouse are both employed at WellPoint, you may elect to cover your spouse on
medical, dental, vision and/or spouse life insurance. However, your spouse may
not elect those coverages as an associate. Additionally, you may not have
duplicate coverage for your children (i.e. both parents may not elect medical,
dental, vision and/or life insurance for the children).

                                        3
<PAGE>

WHEN COVERAGE ENDS

Your coverage under the medical, dental and vision plans will end on the last
day of the month of termination of your employment with WellPoint. You may be
eligible to continue your WellPoint health coverage through COBRA (see page 41).
Life insurance, AD&D, STD, LTD and dependent life end on your last day of
employment with WellPoint. You may be able to convert your life insurance. Other
situations in which your coverage will be terminated are listed below, along
with the same kind of information for your dependents.

All coverage will terminate at the earliest time specified below:

1.   For the medical, dental and vision plans, on the last day of the month you
     cease to be an eligible associate (such as termination of employment,
     retirement or for any other reason).

2.   For the life insurance, AD&D, STD, LTD and dependent life plans, on the
     date you cease to be an eligible associate (such as termination of
     employment, retirement or for any other reason).

3.   Upon discontinuation or termination of any plan, your coverage ends when
     such plan ends. The plans may be terminated or amended without notice to
     you.

4.   Upon non-payment of any required associate contribution.

Your dependent(s) coverage will cease at the earliest time specified below:

1.   When your coverage terminates.

2.   On the last day of the calendar month when your dependent(s) cease to be
     eligible.

3.   Upon non-payment of any required associate contribution.

                                       4

<PAGE>

HOW FLEXPOINT WORKS

COVERAGE LEVELS

In addition to deciding which medical, dental, and vision options you want for
yourself, you may also decide if you want dependent coverage. WellPoint offers
four levels of coverage. You can select coverage for:

- Yourself only

- Yourself PLUS Spouse/Domestic Partner

- Yourself PLUS Child(ren)

- Yourself PLUS Family (Spouse/Domestic Partner and Child(ren))

THE PRETAX ADVANTAGE

With FLEXPoint, you pay your share of the cost for most of your benefits on a
pretax basis (excluding domestic partner coverage). This means your
contributions will be deducted from your pay BEFORE Social Security, Medicare,
federal, state, and local income taxes are calculated and withheld. This way,
your taxable income is reduced and you pay less tax.

PRETAX

- MEDICAL

- DENTAL

- VISION

- FLEXIBLE SPENDING ACCOUNTS - HEALTH CARE AND DEPENDENT DAY CARE

POST-TAX

- EMPLOYEE LIFE INSURANCE

- DEPENDENT LIFE INSURANCE

- ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D)

- DOMESTIC PARTNER COVERAGE

COVERAGE DURING A LEAVE OF ABSENCE

If you go out on an unpaid leave of absence, you are given the option to
discontinue some or all of your FLEXPoint benefits as of the date the leave
begins. You will have the option to reinstate these benefits when you return
from the leave. If you continue your coverage during a leave of absence, it is
your responsibility to make biweekly payments for the cost of your benefits to
the Benefits Department.

CHANGES TO COVERAGE DURING A LEAVE OF ABSENCE

- Changes to life insurance, spouse/partner life, child life, and AD&D do not
  become effective until the later of the following:

  - January 1, 2001, or

  - The date of your return to active employment status.

                                       5
<PAGE>

DOMESTIC PARTNER COVERAGE

In 2001, FLEXPoint offers limited benefits coverage to domestic partners.
Officers who are eligible for FLEXPoint may enroll their domestic partners
and/or children of domestic partners in medical,* dental, vision and life
insurance coverage.

For the purpose of FLEXPoint, a domestic partnership consists of two adults of
the same or opposite sex who have chosen to share their lives in a committed
relationship equivalent to that of married persons, and who reside together and
share a mutual obligation of support for the basic necessities of life.

ELIGIBILITY

To qualify for benefits, the associate and domestic partner must meet ALL of the
following criteria:

-    Each person is the other's sole domestic partner and intends to remain so
     indefinitely.

-    Neither person is married or legally separated from anyone else.

-    Each person is at least 18 years of age and mentally competent to consent
     to the terms of the Declaration of Domestic Partnership.

-    The associate and domestic partner are not related by blood or to a degree
     of closeness that would prohibit legal marriage in the state in which they
     reside.

-    Both persons currently reside in the same residence and intend to do so
     indefinitely.

-    Both persons are jointly responsible for basic living expenses incurred
     during the domestic partnership.

-    Neither partner has had a different domestic partner within the last six
     months from the date of the execution of the Declaration of Domestic
     Partnership (this condition does not apply if the previous domestic partner
     is deceased).

-    Both persons have executed a domestic partnership agreement and/or
     registered as domestic partners in a jurisdiction that authorizes such
     agreements and/or registries OR at least TWO of the following statements
     are true:

     -    Both persons have lived together continuously for the past 12 months;

     -    The associate has designated the domestic partner as a beneficiary
          under his/her will, or the domestic partner has designated the
          associate as a beneficiary under his/her will;

     -    The associate has granted his or her domestic partner powers under a
          durable power of attorney, or the domestic partner has granted the
          associate powers under a durable power of attorney;

     -    The associate has previously designated the domestic partner as a
          beneficiary under his/her life insurance policy, or the domestic
          partner has previously designated the associate as a beneficiary under
          his/her life insurance policy;

     -    Both persons share a joint bank account;

     -    Both persons are cosigners of a lease or deed;

     -    Both persons are named on the same car insurance policy.

*    Not all HMOs offer domestic partner coverage (see page 18). This coverage
     is available in all states under the WellPoint Preferred PPO or WellPoint
     Group Plan.

                                       6
<PAGE>

CERTIFICATION

If you wish to elect domestic partner benefits, you must complete a Declaration
of Domestic Partnership and return it for approval before any domestic partner
benefits can be activated. The declaration form will be mailed to you when you
elect domestic partner benefits. Both you and your domestic partner are required
to sign the declaration.

ELIGIBLE DEPENDENTS

In addition to health and life insurance coverage for your domestic partner, you
may also elect health and life coverage for the qualified children of your
domestic partner. Your domestic partner's children are eligible for coverage if
they are:

-    Unmarried;

-    Primarily dependent on you or your domestic partner for support;

-    Living with you and your domestic partner in a regular parent-child
     relationship;

-    Within the age/student requirements of the plan benefits; and

-    Eligible to be claimed by you or your domestic partner as a dependent as
     defined in Internal Revenue Code section 152.

COST OF COVERAGE

COVERAGE                                                ASSOCIATE
                                                      BIWEEKLY COST
--------------------------------------------------------------------
-    Associate & Domestic Partner                          Same

-    Associate & Spouse
--------------------------------------------------------------------
-    Associate & Domestic                                  Same
     Partner(s) Child(ren)

-    Associate & Associate's Child(ren)

-    Associate, Associate's
     Child(ren) & Domestic
     Partner's Child(ren)
--------------------------------------------------------------------
-    Associate, Spouse & Child(ren)                        Same

-    Associate, Domestic Partner &
     Associate's Child(ren) and/or
     Domestic Partner's Child(ren)

The portion of your contribution that is attributable to coverage for your
domestic partner and/or your domestic partner's child(ren) will be paid on an
after-tax basis.

TAX CONSEQUENCES

The IRS has determined that if you receive health benefits for your domestic
partner and/or his or her children, AND your domestic partner and his or her
children are not your dependents as defined by the IRS, you must pay federal
income tax on the value of the benefits you received. The IRS defines the value
of these benefits as the amount it would cost you to obtain the insurance for
your partner and each of your partner's children at group policy rates. Because
there are tax consequences, associated with domestic partner coverage, we
recommend you consult a tax advisor before electing this coverage.

YOU MAY VIEW AND PRINT A COPY OF THE DOMESTIC PARTNER GUIDE WITH THE DECLARATION
OF DOMESTIC PARTNERSHIP FROM TAO. IN TAO, GO TO "BULLETIN BOARDS," SELECT
"_HR_INFORMATION," AND THEN OPEN "DOMESTIC PARTNER GUIDE." IF YOU ARE UNABLE TO
VIEW OR PRINT THESE MATERIALS, CALL THE ASSOCIATE SERVICE CENTER AT (877)
342-5272 TO HAVE A COPY SENT TO YOU.

                                        7

<PAGE>

OPEN ENROLLMENT PROCEDURES FOR CURRENT WELLPOINT OFFICERS

COMPREHENSIVE EXECUTIVE NONQUALIFIED RETIREMENT PLAN

As in prior years, you will make your Comprehensive Executive Nonqualified
Retirement Plan elections by completing a FLEXExec enrollment form. Telephone
and web enrollment are not available for the Comprehensive Executive
Nonqualified Retirement Plan.

FLEXPOINT

Your FLEXPoint elections for 2001 will be in effect from January 1 through
December 31, provided you remain eligible for benefits. Each year, during the
Open Enrollment period, you have the opportunity to change your coverage for the
following plan year.

As in prior years, Open Enrollment will be conducted through FLEXConnect. For
your convenience, FLEXConnect will be available 7 days a week from October 16,
2000 through October 30, 2000.

When you call FLEXConnect or log on for Web enrollment to make changes, you must
enter the security access code, as well as your Social Security number and the
assigned Personal Identification Number (PIN). Your PIN is located on the
Enrollment Worksheet. Using your PIN serves as both your signature and your
authorization to process benefit changes.

Before you enroll, give careful consideration to the benefits you will need for
the 2001 calendar year.

Unless you have a qualified mid-year change (see Mid-Year Changes on page 38),
YOU MAY NOT MAKE ANY CHANGES to your enrollment selections until 2002.

IF YOU NEED TO MAKE CHANGES...

1.   Review this FLEXPoint Enrollment Guide and select your benefit coverages.
     If you have specific questions about coverages, please contact the plan
     provider directly. Customer Service telephone numbers are listed in the
     Medical Comparison Chart (pages 13-16) and the Dental Comparison Chart
     (page 20).

2.   Complete the Enrollment Worksheet before making changes for 2001. Your 2000
     elections are highlighted for your reference.

3.   Call FLEXConnect at (800) 231-8140 or log on to the enrollment website to
     make your 2001 benefit elections from October 16, 2000 through October 30,
     2000.

4.   You will receive a Confirmation Statement along with any necessary forms
     at the end of the Open Enrollment period. If you do not receive a
     confirmation statement by November 15, 2000, please contact the Associate
     Service Center immediately.

5.   Check your Confirmation Statement CAREFULLY. If you need to make any
     changes or corrections, CALL OR LOG ON TO FLEXCONNECT BEFORE THE CLOSING
     DATE STATED ON YOUR CONFIRMATION STATEMENT.

A NEW WAY TO ENROLL - VIA THE WEB

During this open enrollment period, you can make FLEXPoint changes by phone, as
you have in the past or via the World Wide Web. Simply type
HPPT://HOME.WELLPOINT.COM from your browser at work to access the enrollment
site from the WellPoint Intranet, or type HTTP://WWW.MY-BENEFITS.COM to access
the site directly from the Internet. You will be asked to enter a security
access code, as well as your Social Security number and PIN. The system will
guide you through the process.

Important: After you scroll through and make the changes you want, you must
click "Submit Now" at the bottom of the page. YOUR ELECTIONS ARE NOT FINAL UNTIL
YOU CLICK THE "SUBMIT NOW" BUTTON AND THE SUMMARY OF THE ELECTIONS SCREEN
APPEARS.

                                       8
<PAGE>

A FASTER WAY TO ENROLL--FLEXEXPRESS

FLEXExpress is a fast, easy-to-use option in FLEXConnect that allows you to keep
your 2000 elections in 2001.  If you choose FLEXExpress, the system will prompt
you to enter Flexible Spending Account contribution amounts.  All other benefit
elections will remain the same.

IF YOU DO NOT CALL OR LOG ON TO FLEXCONNECT TO ENROLL

-    If you don't call or log on to FLEXConnect, you will receive your 2000
     benefit coverages (except for your Flexible Spending Accounts) at the new
     2001 contribution levels.

-    If you currently are enrolled in Prudent Buyer Dental in California and do
     not make an election, you will be enrolled in the WellPoint Enhanced Dental
     Plan.

-    You will not participate in the Health Care or Dependent Day Care Flexible
     Spending Accounts. You MUST call FLEXConnect to authorize Health Care and
     Dependent Day Care Spending Account deductions for 2001.

                                  FLEXConnect

                     Log on at http://home.wellpoint.com or
                     --------------------------------------
                           http://www.my-benefits.com
                           --------------------------

                             or call (800) 231-8140

CONFIRMATION STATEMENTS

-    A Confirmation Statement will be mailed to your home at the end of the
     enrollment period.

-    You will receive any additional forms required, such as the Waiver of
     Coverage Form, HMO Enrollment Form for medical coverage, and the Evidence
     of Insurability Form for life insurance plans, with your Confirmation
     Statement. For coverage to be effective for 2001, all forms must be
     returned by January 15, 2001 to the Benefits Department (life insurance
     coverage will not be effective until Evidence of Insurability has been
     approved). We will provide an envelope for your convenience.

-    Check your Confirmation Statement CAREFULLY. If you need to make any
     changes or corrections, or fix omissions, CALL OR LOG ON TO FLEXConnect
     DURING THE CHANGE WINDOW FROM NOVEMBER 13, 2000 THROUGH NOVEMBER 17, 2000.
     If dependents are missing from your Confirmation Statement, you must take
     immediate steps to correct your enrollment. You cannot make changes or
     corrections after November 17, 2000.

     IF YOU MAKE CHANGES DURING THE CHANGE WINDOW, YOU WILL RECEIVE A FINAL
     CONFIRMATION STATEMENT. IF YOU DON'T RECEIVE THE FINAL CONFIRMATION
     STATEMENT BY DECEMBER 14, 2000, PLEASE CONTACT THE ASSOCIATE SERVICE CENTER
     IMMEDIATELY. Keep your Confirmation Statement for your records.

DEDUCTIONS AND PAY PERIODS IN 2001

-    There will be 26 pay periods in 2001. Your first benefit deductions for
     2001 will begin with your January 5, 2001 paycheck. If you notice any
     errors or omissions on this paycheck, contact the Associate Service Center
     immediately. No corrections can be made after January 15, 2001.

QUESTIONS?

If you have any questions about your FLEXPoint options or procedures, contact
the Associate Service Center.  If you have specific medical or dental coverage
questions, please call the Customer Service numbers listed in the Medical
Comparison Chart (page 13) and the Dental Comparison Chart (page 20).

                                       9
<PAGE>

ENROLLMENT PROCEDURES FOR NEWLY-HIRED OFFICERS

COMPREHENSIVE EXECUTIVE NONQUALIFIED RETIREMENT PLAN

You will make your Comprehensive Executive Nonqualified Retirement Plan
elections by completing the enclosed FLEXExec enrollment form.  Telephone and
web enrollment are not available for the Comprehensive Executive Nonqualified
Retirement Plan.

FLEXPOINT

Before you enroll, give careful consideration to the benefits you will need for
the 2001 calendar year.  Unless you have a qualified mid-year change (see
Mid-Year Changes on page 38), YOU MAY NOT MAKE ANY CHANGES to your enrollment
selections until 2002.

Your enrollment will be conducted through FLEXConnect, both an automated voice
response system where associates enter their benefit selections over the
telephone, and a Web enrollment system.  For your convenience, both systems will
be available 24 hours a day, 7 days a week, during your enrollment period.

STEPS

1.   Review this 2001 FLEXPoint Enrollment Guide and select your benefit
     coverages. To assist you in your provider selections, HMO and PPO
     directories are available at your local Human Resources office. If you have
     questions about medical or dental coverage, please contact the providers
     directly at the Customer Service phone numbers listed in the Medical
     Comparison Chart (pages 13-16) and Dental Comparison Chart (page 20).

2.   Complete the Enrollment Worksheet and select your coverage levels prior to
     enrolling.

3.   Call or log on to the FLEXConnect to make your 2001 benefits elections. You
     will have to enter a security access code, as well as your Social Security
     number and the assigned Personal Identification Number (PIN). Your PIN is
     located on the Enrollment Worksheet. Using your PIN serves as both your
     signature and your authorization to process benefit elections.

4.   You will receive a Confirmation Statement after you complete your telephone
     or Web enrollment. If you do not receive a confirmation statement within
     two weeks of enrolling, contact the Associate Service Center.

DEFAULT COVERAGE--IF YOU DON'T ENROLL

If you do not make your elections within the time period indicated on your
Enrollment Worksheet, you will be assigned default coverage AUTOMATICALLY.
Default coverage provides minimal benefits for you only--not your dependents.
With default coverage, you receive the following benefits:

-    WellPoint Preferred PPO or WellPoint Group Medical, associate only coverage
     with $1,000 deductible

-    $50,000 in life insurance

-    One times your benefit salary in Accidental Death and Dismemberment (AD&D)
     insurance

-    No Flexible Spending Account participation

If coverage is defaulted, you must wait until the next annual enrollment period
to elect other coverage unless you qualify for a mid-year change that allows you
to change some, but not all, coverages.

                                       10
<PAGE>

FLEXPOINT BENEFITS INFORMATION

YOUR MEDICAL COVERAGE

The medical options in FLEXPoint are designed to meet the needs of individuals
with varying personal situations. Depending on where you live and work, you may
be able to choose WellPoint Preferred--a preferred provider organization (PPO),
a health maintenance organization (HMO) or WellPoint Group if you live where
there is no PPO or HMO available. Your medical options are based on both your
home address and your Company mail drop. Please carefully review provider
directories (available at your local HR office) before making an election. In
making your choice, it's important that you read and understand the benefits
available to you, as well as the limitations and exclusions. The information in
this Enrollment Guide is only a summary--refer to your Summary Plan Description
for more information.

-    Consider the way you now receive--or would like to receive--medical care,
     and identify your alternatives. HMOs generally require you to pay a small
     fee (copay) when you use network services and provide no benefits when you
     use a provider outside the network. With WellPoint Preferred, you also may
     have to satisfy a deductible and coinsurance. However, you may use a
     non-network provider if you are willing to share more of the cost.

-    Also find out whether your current providers participate in an available
     HMO or PPO. If you're enrolling in an HMO and will be a new patient with a
     particular primary care physician, call the physician's office to
     determine whether he/she is accepting new patients.

SPECIAL CONSIDERATIONS

If you have coverage under another group medical plan, you have the option to
waive your FLEXPoint medical coverage.  If you waive medical coverage, you will
be required to sign a Waiver of Coverage form certifying coverage with another
group plan.  For example, you may be covered under your spouse's plan.  If so,
you can waive coverage and receive a credit to use toward the cost of other
benefits or as taxable income in your paycheck.

If you elect an HMO (for the first time), or add dependents to your HMO
coverage, you MUST SUBMIT AN HMO ENROLLMENT FORM NO LATER THAN JANUARY 1, 2001
(OR THE EFFECTIVE DATE OF YOUR COVERAGE FOR 2001 NEW HIRES), or you will be
assigned a provider.

If you have a qualified mid-year change (see page 38), you must notify the
Associate Service Center within 31 days of the change.

                                       11
<PAGE>

CLAIMS PROCEDURES

If you choose WellPoint Preferred PPO, your provider will file claims for you
and your covered dependents when you receive care in-network. For non-network
providers or if you choose the WellPoint Group Plan, your provider may use a
universal claim form and mail it to the claims address on your ID card. You
can obtain a claim form by calling Customer Service at (800) 234-0111 or by
downloading a claim form from MEMBER SERVICES at www.bluecrossca.com.

All WellPoint Preferred PPO and WellPoint Group claims should be mailed to:
WellPoint Health Networks Inc., P.O. Box 4109, Woodland Hills, California 91365,
Attn:  Associate Claims Unit.  Be sure to use a separate claim form for each
patient and provider.

================================================================================

MEDICAL COMPARISON CHART

The Medical Comparison Chart has been designed to help you understand the
differences between plans. Carefully review this information before making your
benefit selection.

Note:  You continue to be responsible for all copays, even after you reach the
out-of-pocket maximum.

                                      12

<PAGE>
MEDICAL COMPARISON CHART
<TABLE>
<CAPTION>
                                                              WELLPOINT PREFERRED (PPO)
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                   <C>                           <C>                             <C>
Deductible(1)
                                     WP250                           WP500                          WP1000
INDIVIDUAL                            $250                            $500                          $1,000
FAMILY                                $750                          $1,500                          $3,000
-----------------------------------------------------------------------------------------------------------------------------------
OUT-OF-POCKET MAXIMUM(2)
                                     WP250                           WP500                          WP1000
                           Network          Non-Network     Network         Non-Network    Network          NetWork
<S>                         <C>               <C>            <C>              <C>           <C>               <C>
INDIVIDUAL                  $2,500            $6,900         $3,500           $7,100        $4,500            $7,600
FAMILY                      $7,500           $20,700        $10,500          $21,300       $13,500           $22,800
-----------------------------------------------------------------------------------------------------------------------------------
                                          NETWORK PROVIDERS                                   NON-NETWORK PROVIDERS
-----------------------------------------------------------------------------------------------------------------------------------
HOSPITAL SERVICES(3)

INPATIENT                       80% after deductible (85% for WP 250)                   60% after deductible
OUTPATIENT                      80% after deductible (85% for WP 250)                   60% after deductible
SKILLED NURSING FACILITY        80% after deductible; limited to 100                    60% after deductibel, limited to 100
                                days/calender year (85% for WP 250)                     days/calendar year
-----------------------------------------------------------------------------------------------------------------------------------
PROFESSIONAL SERVICES
OFFICE VISITS                   WP 250                          $15 copay               60% after deductible
                                WP 500                          $20 copay               60% after deductible
                                WP 1000                         80% after deductible    60% after deductible
WELL BABY CARE:
- OFFICE VISITS                 WP 250                          $15 copay               60% after deductible
                                WP 500                          $20 copay               60% after deductible
                                WP 1000                         80% after deductible    60% after deductible
- IMMUNIZATIONS                                                 $0 copay                60% after deductible
ANNUAL ROUTINE EXAM
  ($300 MAXIMUM, INCLUDING
   WELL WOMAN EXAM)             100% covered (does not apply toward deductible)         60% after deductible
WELL WOMAN EXAMS:
  ($300 MAXIMUM, INCLUDED
   IN ANNUAL ROUTINE EXAM)
- OFFICE VISIT                  100% covered (does not apply toward deductible)         60% after deductible
- MAMMOGRAM                     100% covered (does not apply toward deductible)         60% after deductible
- PAP SMEAR                     100% covered (does not apply toward deductible)         60% after deductible
X-RAY AND LAB TESTS             80% after deductible (85% for WP 250)                   60% after deductible
-----------------------------------------------------------------------------------------------------------------------------------
EMERGENCY MEDICAL SERVICES
PROFESSIONAL SERVICES
(AT HOSPITAL)                   80% after deductible (85% for WP 250)                   80% after deductible
HOSPITAL EMERGENCY ROOM         80% after deductible (85% for WP 250)                   80% after deductible
-----------------------------------------------------------------------------------------------------------------------------------
MATERNITY

HOSPITAL                        80% after deductible
                                (85% for WP 250)                                        60% after deductible
OFFICE VISITS                   WP 250                          $15 copay               60% after deductible
                                WP 500                          $20 copay               60% after deductible
                                WP 100                          80% after deductible    60% after deductible
INFERTILITY DIAGNOSTIC
PROCEDURES                      80% after deductible (85% for WP 250)                   60% after deductible
-----------------------------------------------------------------------------------------------------------------------------------
MENTAL HEALTH CARE/
SUBSTANCE ABUSE
INPATIENT (UP TO 30 DAYS
 PER CALENDAR YEAR)             80% after deductible (85% for WP 250)                   60% after deductible

OUTPATIENT (50 VISIT MAXIMUM/
 CALENDAR YEAR)                 80% after deductible (85% for WP 250)                   60% after deductible
                                $50 maximum/visit                                       $40 maximum/visit

-----------------------------------------------------------------------------------------------------------------------------------
MISCELLANEOUS SERVICES
CHIROPRACTIC (26 VISIT          WP 250                          $15 COPAY               60% ($25 MAXIMUM/VISIT - AFTER
 MAXIMUM/CALENDAR YEAR)                                                                 deductible has been met)
                                WP 500                          $20 copay
                                WP 1000                         80% after deductible
ACUPUNCTURE (26 VISIT
 MAXIMUM/CALENDAR YEAR)         WP 250                          $15 copay               60% ($25 maximum/visit - after
                                                                                        deductible has been met)
                                WP 500                          $20 copay
                                WP 1000                         80% after deductible
PHYSICAL THERAPY/
PHYSICAL MEDICINE               80% after deductible (85% for WP 250)                   60% after deductible
ALLERGY TEST                    WP 250                          $15 copay               60% after deductible
                                WP 500                          $20 copay
                                WP 1000                         80% after deductible
ALLERGY TREATMENT               80% after deductible (85% for WP 250)                   60% after deductible
-----------------------------------------------------------------------------------------------------------------------------------
PRESCRIPTION DRUGS
                                $15 brand/$7 generic copay; 30-day supply               $15 brand/$7 generic copay; 30-day supply
                                $30 brand/$14 generic copay; 90-day supply mail order   $30 brand/$14 generic copay; 90-day
                                                                                        supply mail order
                                INFERTILITY DRUGS NOT COVERED                           INFERTILITY DRUGS NOT COVERED
-----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
CUSTOMER SERVICE NUMBER                                       (800) 234-0111

(1)  Deductible - Deductible expenses applied to the forth quarter of the
     previous year will be carried over. Copay amounts do not apply toward the
     deductible.

(2)  Satisfying the smaller in-network coinsurance and deductible will apply
     toward, but not satisfy, the larger out-of-network coinsurance and
     deductible, excluding any copays. Satisfying the larger out-of-network
     coinsurance and deductible will automatically satisfy the smaller
     in-network coinsurance and deductible, excluding any copays.

(3)  Hospital Services - Pre-certification is required. You must initiate;
     failure to do so will result in a $250 additional deductible for medically
     necessary care. Under no circumstances are benefits payable for unnecessary
     care.

                                      13

<PAGE>
<TABLE>
<CAPTION>
                                                                          BLUE CROSS HMO
                                    WELLPOINT GROUP(1)              (FORMERLY CALIFORNIACARE)         BLUE CROSS HEALTH CARE (GA)
-----------------------------------------------------------------------------------------------------------------------------------
<S>                             <C>       <C>       <C>            <C>                                 <C>
DEDUCTIBLE                  DEDUCTIBLE(2)                          DEDUCTIBLE                          DEDUCTIBLE
INDIVIDUAL                      $250        $500    $1,000         There is no deductible;             There is no deductible; some
                                                                   some services require a copay       services require a copay
FAMILY                          $750      $1,500    $3,000         There is no deductible;             There is no deductible; some
                                                                   some services require a copay       services require a copay
-----------------------------------------------------------------------------------------------------------------------------------
OUT-OF-POCKET MAXIMUM       OUT-OF-POCKET MAXIMUM                  OUT-OF-POCKET MAXIMUM               OUT-OF-POCKET MAXIMUM
INDIVIDUAL                    $2,500      $3,500    $4,500         $1,500                              None

FAMILY                        $7,500     $10,500   $13,500         $3,000 (2 family members)            None
                                                                   $4,500 (3 or more family members)
-----------------------------------------------------------------------------------------------------------------------------------
HOSPITAL SERVICES           HOSPITAL SERVICES(3)                   HOSPITAL SERVICES                   HOSPITAL SERVICES
INPATIENT                   80% after deductible                   No charge                           No charge
OUTPATIENT                  80% after deductible                   No charge                           No charge
SKILLED NURSING FACILITY    80% after deductible                   No charge (up to 100 days per year) No charge
                            (limited to 100 days/calendar year)                                        (up to 30 days per year)
-----------------------------------------------------------------------------------------------------------------------------------
PROFESSIONAL SERVICES       PROFESSIONAL SERVICES                  PROFESSIONAL SERVICES              PROFESSIONAL SERVICES
OFFICE VISITS               80% after deductible                   $10 copay                          $10 copay

WELL BABY CARE:
- OFFICE VISITS             80% after deductible                   $10 copay                          $10 copay

- IMMUNIZATIONS             100% covered                           No charge                          No charge (office
                                                                                                      visit copay may apply)
ANNUAL ROUTINE EXAM         100% covered                           $10 copay                          $10 copay
  ($300 MAXIMUM,            (does not apply to deductible)
  INCLUDING WELL WOMAN EXAM)

WELL WOMAN EXAMS:
(INCLUDED IN ANNUAL ROUTINE EXAM)

- OFFICE VISIT              100% covered                           $10 copay                          $10 copay
                            (does not apply to deductible)
- MAMMOGRAM                 100% covered                           No charge                          $10 copay
                            (does not apply to deductible)
- PAP SMEAR                 100% covered                           No charge                          $10 copay
                            (does not apply to deductible)
X-RAY AND LAB TESTS         80% after deductible                   No charge                          No charge
-----------------------------------------------------------------------------------------------------------------------------------
EMERGENCY MEDICAL SERVICES  EMERGENCY MEDICAL SERVICES             EMERGENCY MEDICAL SERVICES         EMERGENCY MEDICAL SERVICES
PROFESSIONAL SERVICES       80% after deductible                   No charge                          No charge
 (AT HOSPITAL)
HOSPITAL EMERGENCY ROOM     80% after deductible                   $50 copay; waived if admitted      $100 copay, waived
                                                                                                       if admitted
-----------------------------------------------------------------------------------------------------------------------------------
MATERNITY                   MATERNITY                              MATERNITY                          MATERNITY
HOSPITAL                    80% after deductible                   No charge                          No charge
OFFICE VISITS               80% after deductible                   $10 copay                          $10 copay (first visit only)
INFERTILITY DIAGNOSTIC      80% after deductible                   50% (copay will not be applied     $10 copay (artificial
 PROCEDURES                                                        to out-of-pocket maximum)          insemination and in-vitro
                                                                                                      fertilization are excluded)
-----------------------------------------------------------------------------------------------------------------------------------
MENTAL HEALTH CARE/         MENTAL HEALTH CARE/                    MENTAL HEALTH CARE/                MENTAL HEALTH CARE/
 SUBSTANCE ABUSE             SUBSTANCE ABUSE                         SUBSTANCE ABUSE                    SUBSTANCE ABUSE
INPATIENT                   80% after deductible                   $100/day copay, up to 30 days      No charge, up to 30 visits
                            (up to 30 days per calendar year)      per year (copay will not be        per year, 6 day limit for
                                                                   applied to out-of-pocket           substance abuse
                                                                   maximum)

OUTPATIENT                  80% after deductible;                  $35 copay, up to 20 visits per     $25 copay; up to 20 visits
                            $50 maximum/visit                      year, when ordered by PCP          per year
                            (50 visit maximum/calendar year)       (psychoanalysis excluded)
-----------------------------------------------------------------------------------------------------------------------------------
MISCELLANEOUS SERVICES      MISCELLANEOUS SERVICES                 MISCELLANEOUS SERVICES             MISCELLANEOUS SERVICES
CHIROPRACTIC                80% after deductible (26 visit         Generally not covered; $10         Not covered
                            maximum/calendar yer)                  copay, when approved by PCP

ACUPUNCTURE                 80% after deductible (26 visit         Generally not covered; $10         Not covered
                            maximum/calendar year)                 copay, when approved by PCP

PHYSICAL THERAPY/           80% after deductible                   $10 copay, up to 60 visits         $10 copay, up to 20 visits
 PHYSICAL MEDICINE                                                 per year                           per year

ALLERGY TEST                80% after deductible                   $10 copay                          $10 copay

ALLERGY TREATMENT           80% after deductible                   $10 copay                          $10 copay
-----------------------------------------------------------------------------------------------------------------------------------
PRESCRIPTION DRUGS          PRESCRIPTION DRUGS                     PRESCRIPTION DRUGS                 PRESCRIPTION DRUGS
                            $15 brand/$7 generic copay;            $15 brand/$7 generic copay;        $20 brand/$10 generic copay;
                            30-day supply                          30-day supply                      30-day supply
                            $30 brand/$14 generic copay;           $30 brand/$14 generic copay;       $40 brand/$40 generic mail
                            90-day supply mail order               90-day supply                      order copay; 90-day supply
                                                                   INFERTILITY DRUGS NOT COVERED

-----------------------------------------------------------------------------------------------------------------------------------
CUSTOMER SERVICE NUMBER     (800) 234-0111                         (800) 234-0111 OR                  (800) 634-6642 OR
                                                                   www.bluecrossa.com                 www.bcbsga.com
                                                                                                      TDD:  (404) 842-8073
</TABLE>
                            (1) This plan is for associates who
                                live in an area where neither
                                a PPO network nor an HMO network
                                is available.
                            (2) The deductible is included in the
                                out-of-pocket maximum.
                            (3) Hospital Services-- Pre-certification
                                is required. You must initiate; failure
                                to do so will result in a $250 additional
                                deductible for medically necessary care.
                                Under no circumstances are benefits payable
                                for unnecessary care.

                                      14
<PAGE>
<TABLE>
<CAPTION>
                                                                                                         BLUE CARE NETWORK
                                        UNICARE HMO (ILLINOIS)            HMO BLUE (MA)                   OF S.E. MICHIGAN
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                 <C>                             <C>                             <C>
DEDUCTIBLE                          DEDUCTIBLE                      DEDUCTIBLE                      DEDUCTIBLE

INDIVIDUAL                          There is no deductible;         There is no deductible;         There is no deductible;
                                    some services require a copay   some services require a copay   some services require a copay
FAMILY                              There is no deductible;         There is no deductible;         There is no deductible;
                                    some services require a copay   some services require a copay   some services require a copay
-----------------------------------------------------------------------------------------------------------------------------------
OUT-OF-POCKET MAXIMUM               OUT-OF-POCKET MAXIMUM           OUT-OF-POCKET MAXIMUM           OUT-OF-POCKET MAXIMUM
INDIVIDUAL                          $1,500                          None                            None

FAMILY                              $3,000                          None                            None

-----------------------------------------------------------------------------------------------------------------------------------
HOSPITAL SERVICES                   HOSPITAL SERVICES               HOSPITAL SERVICES               HOSPITAL SERVICES
INPATIENT                           $250 room & board               No charge                       No charge
                                    copay per admission
OUTPATIENT                          No charge                       No charge                       No charge
SKILLED NURSING FACILITY            No charge (up to 60             No charge (up to 100            No charge (up to 45
                                    days per year)                  days per year)                  days per year)
-----------------------------------------------------------------------------------------------------------------------------------
PROFESSIONAL SERVICES               PROFESSIONAL SERVICES           PROFESSIONAL SERVICES           PROFESSIONAL SERVICES
OFFICE VISITS                       $10 copay                       $10 copay                       $10 copay

WELL BABY CARE:
- OFFICE VISITS                     $10 copay                       $10 copay                       $10 copay

- IMMUNIZATIONS                     No charge (office visit         No charge (office visit         No charge (office visit
                                    copay may apply)                copay may apply)                copay may apply)

ANNUAL ROUTINE EXAM                 $10 copay                       $10 copay                       $10 copay
($300 MAXIMUM, INCLUDING
WELL WOMAN EXAM)

WELL WOMAN EXAMS (INCLUDED
  IN ANNUAL ROUTINE EXAM BENEFIT):

- OFFICE VISIT                      $10 copay                       $10 copay                       $10 copay
- MAMMOGRAM                         $10 copay (if doctor's          No charge (office visit         No charge (office visit
                                    office visit)                   copay may apply)                copay may apply)
- PAP SMEAR                         $10 copay (if doctor's          No charge (office visit         No charge (office visit
                                    office visit)                   copay may apply)                copay may apply)
X-RAY AND LAB TESTS                 No charge                       No charge                       No charge (office visit
                                                                                                    copay may apply)
-----------------------------------------------------------------------------------------------------------------------------------
EMERGENCY MEDICAL SERVICES          EMERGENCY MEDICAL SERVICES      EMERGENCY MEDICAL SERVICES      EMERGENCY MEDICAL SERVICES
PROFESSIONAL SERVICES               No charge                       No charge                       No charge
 (AT HOSPITAL)
HOSPITAL EMERGENCY ROOM             $50 copay                       $25 copay                       $25 copay
-----------------------------------------------------------------------------------------------------------------------------------
MATERNITY                           MATERNITY                       MATERNITY                       MATERNITY
HOSPITAL                            No charge                       No charge                       No charge
OFFICE VISITS                       $10 copay (first visit only)    No charge                       $10 copay
INFERTILITY DIAGNOSTIC              No charge                       $10 per visit                   $10 copay for first visit,
 PROCEDURES                                                                                         then 50% of covered charges
-----------------------------------------------------------------------------------------------------------------------------------
MENTAL HEALTH CARE/                 MENTAL HEALTH CARE/             MENTAL HEALTH CARE/             MENTAL HEALTH CARE/
 SUBSTANCE ABUSE                    SUBSTANCE ABUSE                 SUBSTANCE ABUSE                 SUBSTANCE ABUSE
INPATIENT                           No charges; up to 30 days       No charge, up to 60 days        No charge, up to 30 days
                                    per year                        per year for mental health      per year for mental health
                                                                    care and up to 30 days per      care and 50% copay for
                                                                    year for substance abuse        detoxification
OUTPATIENT                          $20 copay, up to 20             20 visits per year ($10 copay   50% copay, up to 20 visits
                                    visits per year                 for visits 1-10; $15 copay      per year
                                                                    for visits 11-20)
-----------------------------------------------------------------------------------------------------------------------------------
MISCELLANEOUS SERVICES              MISCELLANEOUS SERVICES          MISCELLANEOUS SERVICES          MISCELLANEOUS SERVICES
CHIROPRACTIC                        Not covered                     Not covered                     Covered when referred by PCP

ACUPUNCTURE                         Not covered                     Not covered                     Not covered

PHYSICAL THERAPY/
 PHYSICAL MEDICINE                  $10 copay, up to 60             $10 copay, up to 60             $5 copay, up to 60 days
                                    visits per year                 visits per year
ALLERGY TEST                        No charge (office visit         $10 copay                       50% copay for testing
                                    copay may apply)

ALLERGY TREATMENT                   No charge (office visit         No charge                       $5 copay for injections
                                    copay may apply)                                                (office visit copay may apply)
-----------------------------------------------------------------------------------------------------------------------------------
PRESCRIPTION DRUGS                  PRESCRIPTION DRUGS              PRESCRIPTION DRUGS              PRESCRIPTION DRUGS
                                    $15 brand/$7 generic copay;     $10 brand/$5 generic copay      $5 copay - 30-day supply
                                    30-day supply                   (at HMO Blue-Participating
                                    $30 brand/$14 generic copay     pharmacies) - 30-day supply
                                    90 day supply, mail order       $10 brand/$5 generic mail
                                                                    order copay - 90 day supply
-----------------------------------------------------------------------------------------------------------------------------------
CUSTOMER SERVICE NUMBER             (800) 234-0111                  (800) 588-5509 OR               (800) 622-6667 OR
                                                                    www.bcbsma.com                  www.bcbsma.com
                                                                    TDD:  (800) 522-1254            TDD: (800) 257-9980

</TABLE>
                                      15

<PAGE>
<TABLE>
<CAPTION>
                                                                                                          HMO BLUE CROSS
                                    BLUECARE HEALTH PLAN                  HEALTHKEEPERS                  (DALLAS/FT. WORTH)
                                      (CONNECTICUT)                        OF VIRGINIA               AND HMO BLUE TEXAS (HOUSTON)
-----------------------------------------------------------------------------------------------------------------------------------
<S>                                 <C>                             <C>                             <C>
DEDUCTIBLE                          DEDUCTIBLE                      DEDUCTIBLE                      DEDUCTIBLE

INDIVIDUAL                          There is no deductible;         There is no deductible;         There is no deductible;
                                    some services require a copay   some services require a copay   some services require a copay
FAMILY                              There is no deductible;         There is no deductible;         There is no deductible;
                                    some services require a copay   some services require a copay   some services require a copay
-----------------------------------------------------------------------------------------------------------------------------------
OUT-OF-POCKET MAXIMUM               OUT-OF-POCKET MAXIMUM           OUT-OF-POCKET MAXIMUM           OUT-OF-POCKET MAXIMUM
INDIVIDUAL                          None                            $1,500                          $1,000

FAMILY                              None                            $3,000                          $2,000

-----------------------------------------------------------------------------------------------------------------------------------
HOSPITAL SERVICES                   HOSPITAL SERVICES               HOSPITAL SERVICES               HOSPITAL SERVICES
INPATIENT                           No charge                       No charge                       No charge
OUTPATIENT                          No charge                       $50 copay                       No charge
SKILLED NURSING FACILITY            No charge (up to 90             No charge (up to 100            No charge (up to 60
                                    days per year)                  days per year)                  days per year)
-----------------------------------------------------------------------------------------------------------------------------------
PROFESSIONAL SERVICES               PROFESSIONAL SERVICES           PROFESSIONAL SERVICES           PROFESSIONAL SERVICES
OFFICE VISITS                       $5 copay                        $10 copay                       $10 copay

WELL BABY CARE:
- OFFICE VISITS                     No charge                       $10 copay                       $10 copay (under age 2)

- IMMUNIZATIONS                     No charge                       $10 copay                       No charge

ANNUAL ROUTINE EXAM                 No charge                       $10 copay (one physical        $10 copay
 ($300 MAXIMUM, INCLUDING                                           per year)
WELL WOMAN EXAM)

WELL WOMAN EXAMS
 (INCLUDED IN ANNUAL ROUTINE
 EXAM BENEFIT):

- OFFICE VISIT                      $5 copay                        $10 copay                       $10 copay
- MAMMOGRAM                         No charge (office visit         No charge (office visit         No charge (office visit
                                    copay may apply)                copay may apply)                copay may apply)
- PAP SMEAR                         No charge (office visit         No charge (office visit         No charge (office visit
                                    copay may apply)                copay may apply)                copay may apply)
X-RAY AND LAB TESTS                 No charge (office visit         $10 copay                       No charge
                                    copay may apply)
-----------------------------------------------------------------------------------------------------------------------------------
EMERGENCY MEDICAL SERVICES          EMERGENCY MEDICAL SERVICES      EMERGENCY MEDICAL SERVICES      EMERGENCY MEDICAL SERVICES
PROFESSIONAL SERVICES               No charge                       No charge                       No charge
 (AT HOSPITAL)
HOSPITAL EMERGENCY ROOM             $50 copay waived if admitted    No charge                       $100 copay
-----------------------------------------------------------------------------------------------------------------------------------
MATERNITY                           MATERNITY                       MATERNITY                       MATERNITY
HOSPITAL                            No charge                       No charge                       No charge
OFFICE VISITS                       $5 copay (first visit only)     No charge                       $10 copay for first visit only
INFERTILITY DIAGNOSTIC
 PROCEDURES                         $5 copay (only diagnostic       Not covered                     No charge
                                    covered)
-----------------------------------------------------------------------------------------------------------------------------------
MENTAL HEALTH CARE/                 MENTAL HEALTH CARE/             MENTAL HEALTH CARE/             MENTAL HEALTH CARE/
 SUBSTANCE ABUSE                    SUBSTANCE ABUSE                 SUBSTANCE ABUSE                 SUBSTANCE ABUSE
 INPATIENT                          No charge up to 60 days         No charge, up to 30 days        $50 copay per day, up to 30
                                    per year for mental health      per year/90 days per lifetime,  days per year, for mental
                                    and up to 45 days for           for mental health and           health; no charge, up to 3
                                    substance abuse                 substance abuse combined        treatments per lifetime, for
                                                                                                    substance abuse
OUTPATIENT                          $5 copay per visit;             $15 or $30 copay per            No charge, up to 20 visits
                                    40 visit maximum for            therapy session, up to          per year, for mental
                                    substance abuse                 20 visits per year, for         health; no charge, up to
                                                                    mental health and               3 treatments per lifetime,
                                                                    substance abuse combined        for substance abuse
-----------------------------------------------------------------------------------------------------------------------------------
MISCELLANEOUS SERVICES              MISCELLANEOUS SERVICES          MISCELLANEOUS SERVICES          MISCELLANEOUS SERVICES
CHIROPRACTIC                        $5 copay with PCP approval      Not covered                     $10 copay with PCP approval

ACUPUNCTURE                         Not covered                     Not covered                     Not covered

PHYSICAL THERAPY/                   $5 copay, up to 60              $10 copay, up to 90 days        $10 copay
 PHYSICAL MEDICINE                  visits per year                 from date of injury

ALLERGY TEST                        $5 copay                        $10 copay                       50% copay

ALLERGY TREATMENT                   No charge (office visit         $10 copay                       50% copay
                                    copay may apply)
-----------------------------------------------------------------------------------------------------------------------------------
PRESCRIPTION DRUGS                  PRESCRIPTION DRUGS              PRESCRIPTION DRUGS              PRESCRIPTION DRUGS
                                    $5 generic copay                $5 generic  $10 brand (with     $5 generic copay
                                    $15 brand copay (formulary)     generic equivalent)
                                    $25 brand copay                 $25 brand (without generic      $10 brand copay (formulatory)
                                    (non-formulating)                equivalent)
                                    $5/15 mail order copay          $10 mail order (generic)        $25 brand copay
                                                                    $20 brand mail order (with      (non-formulatory)
                                                                    generic equivalent)            $5/$10/25 mail order copay
                                                                    $50 brand mail order (without
                                                                    generic equivalent)
-----------------------------------------------------------------------------------------------------------------------------------
CUSTOMER SERVICE NUMBER             (800) 922-1742 IN CONN;          (800) 421-1880 OR              DALLAS/FT. WORTH:
                                    (800) 426-8531 ELSEWHERE         www.trigon.com                 (888) 558-2393
                                    OR www.bcbsct.com                TDD:  (800) 228-2909           HOUSTON:  (888) 882-2390
                                                                                                    OR www.bcbstx.com
</TABLE>

                                      16
<PAGE>
PRE-CERTIFICATION

If you are covered under WellPoint Preferred PPO or the WellPoint Group Medical
Plan and need care from a hospital (inpatient only), ambulatory surgical center
(outpatient only), or a chemical dependency rehabilitation facility, you must
obtain a pre-certification. This ensures you obtain the maximum benefits
available under the Plan.

You must call for pre-certification THREE DAYS BEFORE YOUR SCHEDULED ADMISSION
OR CARE. For an emergency admission, you must call within 48 hours after the
start of the confinement. To obtain a pre-certification, call the toll-free
phone number listed on your ID card. If treatment will be provided by a network
physician, your physician may make the call for you, but you are responsible if
this call does not occur.

Notes:

-    IF A PRE-CERTIFICATION IS NOT OBTAINED, AN ADDITIONAL DEDUCTIBLE OF $250
     WILL APPLY.

-    THE PLAN WILL NOT COVER SERVICES THAT ARE NOT DEEMED MEDICALLY NECESSARY.

REASONABLE AND CUSTOMARY CHARGES

The term "reasonable and customary" applies to the WellPoint Preferred PPO (if
you use an out-of-network provider) and WellPoint Group Plans. If you are
covered by an HMO, please contact the HMO directly for its definition of
reasonable and customary.

At the time of service, the Claims Administrator determines whether or not the
charges are reasonable and customary. Because of the changing nature of
medicine, the definition of reasonable and customary charges may change over
time.

With WellPoint Preferred PPO, you have the choice of receiving care from network
providers, who accept lower negotiated rates, or from non-network providers.

MEDICALLY NECESSARY

The WellPoint Preferred PPO and WellPoint Group Plans cover expenses deemed
"medically necessary". Medically necessary services or supplies must meet
certain requirements established by the Claims Administrator. The fact that a
doctor may prescribe, order, recommend or approve a service or supply does not,
of itself, make it "medically necessary" or make the charge a covered expense,
even if it has not been listed as an exclusion.

                                       17
<PAGE>
ADDITIONAL INFORMATION
ABOUT HMO COVERAGE

COVERAGE WHEN TRAVELING

As a member of a Blue Cross/Blue Shield HMO, you and your enrolled dependents
are eligible for Away From Home Care benefits. These benefits cover urgent care,
those not so serious illnesses that need medical attention, for you and your
enrolled family members when traveling outside your HMO service area.

To access Away From Home Care, call the toll-free number printed on your ID
card.

COVERAGE FOR TEMPORARY
RESIDENCY OUTSIDE OF CALIFORNIA

You can maintain your HMO benefits even when temporarily residing outside
California with Guest Membership. It's available to long-term travelers for
out-of-state work assignments, students and other enrolled family members who
will be living away from home for three to six months.

To apply for Guest Membership, call Blue Cross HMO Customer Service to discuss
your changing circumstances. If a participating HMO is available, you or your
dependent will become a guest member of that HMO.

ADDITIONAL INFORMATION ABOUT ALL
FLEXPOINT MEDICAL OPTIONS

COORDINATION OF BENEFITS

If you have coverage under more than one group medical plan, benefits under the
plans will be coordinated such that payments for both programs will be provided
up to, but not in excess of, 100% of charges for actual covered services.

BINDING ARBITRATION

Any dispute between you and the Claims Administrator will be resolved by binding
arbitration and not by lawsuit or resort to court process, except as applicable
state laws provide for judicial review of arbitration proceedings or where
prohibited by law.

QUESTIONS?

If you have specific benefit questions, please call the Customer Service number
listed in the Medical Comparison Chart.

Your local Human Resources office can provide you with HMO or PPO directories.

<TABLE>
<CAPTION>
HMOS AND DOMESTIC PARTNER COVERAGE
-------------------------------------------------------------------------------------------
<S>                                             <C>
Blue Cross HMO (formerly CaliforniaCare)        Domestic Partner Coverage Allowed
-------------------------------------------------------------------------------------------
UNICARE HMO (IL)                                Domestic Partner Coverage Allowed
-------------------------------------------------------------------------------------------
Blue Choice Healthcare (GA)                     No Domestic Partner Coverage
-------------------------------------------------------------------------------------------
HMO Blue (MA)                                   No Domestic Partner Coverage
-------------------------------------------------------------------------------------------
Blue Care Network of S.E. Michigan              Same Sex Domestic Partner Coverage Allowed
-------------------------------------------------------------------------------------------
BlueCare Health Plan (CT)                       Domestic Partner Coverage Allowed
-------------------------------------------------------------------------------------------
HealthKeepers of Virginia                       No Domestic Partner Coverage
-------------------------------------------------------------------------------------------
HMO Blue Cross (TX)                             No Domestic Partner Coverage
-------------------------------------------------------------------------------------------
HMO Blue Texas                                  No Domestic Partner Coverage
-------------------------------------------------------------------------------------------
</TABLE>

                                       18
<PAGE>
YOUR DENTAL COVERAGE

FLEXPoint gives you a choice of dental options. In making your choice, consider
how much you can afford to pay out of your own pocket toward dental expenses.
Also, are there any procedures you know you or a family member will need in the
upcoming year? Is orthodontic coverage necessary?

The information in this Enrollment Guide is only a summary - refer to your
Summary Plan Description for more information.

IF YOU LIVE IN CALIFORNIA...

You may choose Dental Net, the WellPoint Standard Dental Plan or the WellPoint
Enhanced Dental Plan. You also have the option to waive dental coverage.

DENTAL NET PLAN

If you elect this option, you receive care at negotiated rates. There are no
deductibles or annual maximums unless you visit a Dental Net pediatric dentist.
Othodontic coverage is included.

When you enroll in Dental Net, you and each covered dependent must select your
own participating dental office. If you do not use a Dental Net provider, your
dental services will not be covered. Dental Net provider directories are
available from your local Human Resources office. The first time you need care,
let your dentist know that you're a member of Dental Net. You may change your
Dental Net provider by calling the Dental Net Customer Service number listed in
the Dental Comparison Chart.

If you are currently receiving treatment for orthodontia, you cannot change to
the WellPoint Enhanced Dental Plan to continue that treatment. (This excludes
current Major Dental Plan participants.) You must be enrolled in the Enhanced
Dental Plan at the beginning of orthodontic treatment for any expenses to be
covered under this plan, unless you are currently enrolled in the Major Dental
Plan.

IF YOU LIVE OUTSIDE OF CALIFORNIA...

You can choose the WellPoint Standard Dental Plan or WellPoint Enhanced Dental
Plan.

WELLPOINT STANDARD
AND ENHANCED DENTAL PLANS

These new national plans replace the Basic Dental Plan, Major Dental Plan and
Prudent Buyer Dental.*

The WellPoint Standard and Enhanced Dental Plans give you the choice to select
virtually any licensed dentist, but if you choose a PPO participating dentist
you take advantage of negotiated discounts. If you use a dentist who does not
participate in the National Dental PPO plan network, you may pay more for dental
care. For non-network providers, the maximum covered expense is the reasonable
and customary (R&C) charge. You will be responsible for any billed charges that
exceed R&C. If you use a network provider, the maximum covered expense is the
negotiated rate. Network providers will not bill you more than the negotiated
rate. Orthodontic coverage is available under the Enhanced Dental Plan.

You also have the option to waive dental coverage.

Associates can now benefit from the addition of a national PPO dental network.
UNICARE dental provider listings are available on the Web enrollment site and at
your local Human Resources office.

CLAIMS PROCEDURES

IF YOU USE A DENTAL NET OR PPO NETWORK PROVIDER, your provider will file claims
for you and your covered dependents.

IF YOU USE A NON-NETWORK PROVIDER, you may be required to complete a dental
claim form and mail it to WellPoint Health Networks Inc., P.O. Box 9066, Oxnard,
California 93031-9066.

QUESTIONS?

If you have specific benefit questions you may call the Customer Service number
listed in the Dental Comparison Chart below.

Your local Human Resources office can provide you with Dental Net or Dental PPO
directories.

*    California associates enrolled in the WellPoint Standard and Enhanced
     Dental Plans will receive in-network treatment through the Prudent Buyer
     Network.

                                       19
<PAGE>
DENTAL COMPARISON CHART
-------------------------------------------------------------------------------
<TABLE>
<CAPTION>

                                IN CALIFORNIA                           NATIONAL (INCLUDING CALIFORNIA)
----------------------------------------------------------------------------------------------------------------
                               DENTAL NET                       STANDARD PLAN(1)          ENHANCED PLAN(1)
----------------------------------------------------------------------------------------------------------------
<S>                            <C>                              <C>                       <C>
ANNUAL DEDUCTIBLE              None                             $50/individual            $50/individual
                                                                $150/family               $150/family
----------------------------------------------------------------------------------------------------------------
ANNUAL MAXIMUM                 $500/child for                   $1,000/individual         $2,000/individual
                               pediatric dentist only
----------------------------------------------------------------------------------------------------------------
DIAGNOSTIC/                    100%                             100% of covered           100% of covered
PREVENTIVE CARE                                                 expenses                  expenses
----------------------------------------------------------------------------------------------------------------
ORAL SURGERY                   100%                             80% after deductible      80% after deductible
----------------------------------------------------------------------------------------------------------------
RESTORATIVE CARE               100%                             80% after deductible      80% after deductible
----------------------------------------------------------------------------------------------------------------
EXTRACTIONS                    100%                             80% after deductible      80% after deductible
----------------------------------------------------------------------------------------------------------------
SURGICAL EXTRACTIONS           $25-$50 copay                    80% after deductible      80% after deductible
----------------------------------------------------------------------------------------------------------------
ENDODONTIC CARE                $60-$100 copay                   80% after deductible      80% after deductible
----------------------------------------------------------------------------------------------------------------
PERIODONTICS                   $9-$120 copay                    Not Covered               50% after deductible
----------------------------------------------------------------------------------------------------------------
CROWNS                         $85-$120 copay                   Not Covered               50% after deductible
----------------------------------------------------------------------------------------------------------------
BRIDGES                        $120 copay                       Not Covered               50% after deductible
----------------------------------------------------------------------------------------------------------------
PARTIAL DENTURES               $160 copay                       Not Covered               50% after deductible
----------------------------------------------------------------------------------------------------------------
COMPLETE DENTURES              $140 copay                       Not Covered               50% after deductible
----------------------------------------------------------------------------------------------------------------
ORTHODONTIA                    $1,850 copay for adults          Not Covered               50% with a $1,250
                               (age 18+) or $1,450 for                                    lifetime benefit/
                               children; treatment                                        individual
                               limited to 24 months(2)
----------------------------------------------------------------------------------------------------------------
CUSTOMER SERVICE               (800) 627-0004                   (800) 627-0004            (800) 627-0004
----------------------------------------------------------------------------------------------------------------
</TABLE>

Note: Covered expenses are paid based on reasonable and customary charges.
Charges in excess of reasonable and customary are your responsibility.

(1)  If your dental provider anticipates the expense for any course of treatment
     to exceed $350, you should submit a benefit estimation form before
     treatment begins. This excludes Dental Net.

(2)  You must obtain a written referral from Dental Net Customer Service before
     receiving treatment. Dental Net will not accept patients who are "banded"
     prior to the effective date of coverage. Extra fees may be charged for
     X-rays, models, retention, etc. over and above the copay.

                                       20
<PAGE>

YOUR VISION COVERAGE

If you elect vision  coverage  through  Vision  Service  Plan (VSP),  you have a
choice of network or non-network providers each time you need eye care services
or products. Vision coverage is optional. In making your election, think about
how much you can afford to pay out of pocket for vision expenses in the coming
year. Also consider whether you or a family member will need eyeglasses or
contacts in the coming year.

Keep in mind that VSP is designed to cover medically necessary eye care. As a
result, there are extra charges for the following:

- Blended lenses

- Oversize lenses

- Photochromatic or tinted lenses

- Frames that exceed the Plan allowance

VSP members have access to the Laser VisionCare Program, in which laser
vision correction is available at a discounted fee. To learn more visit VSP's
Laser VisionCare Program at www.vsp.com/lvc/html/index.htm.

You must pay your annual copayment the first time you receive services whether
you use a VSP or non-VSP provider.

CLAIMS PROCEDURES

-  If you use a VSP  provider,  he/she will  confirm your  eligibility  and file
   claims for you and your covered dependents.

-  If you use non-VSP providers, file a claim with VSP to receive your benefits.
   Claims should be mailed to: Vision Service Plan, P.O. Box 997100, Sacramento,
   California 95899-7100. You will be responsible for paying any charges above
   the limits shown in the chart below.

To obtain a list of VSP providers in your area, call (800) 622-7444 or visit
www.vsp.com.

QUESTIONS?

If you have any questions about your vision coverage, please contact VSP
directly at (800) 622-7444.

YOUR VISION BENEFITS AT A GLANCE

<TABLE>
<CAPTION>
                                    VSP PROVIDERS                            NON-VSP PROVIDERS
----------------------------------------------------------------------------------------------------------------
<S>                             <C>                                  <C>
YOUR ANNUAL COPAYMENT                     $25                                      $25
----------------------------------------------------------------------------------------------------------------
WHAT THE PLAN PAYS
----------------------------------------------------------------------------------------------------------------
Eye examinations                    100% after copay                            $40 maximum
  (once every 12 months)
----------------------------------------------------------------------------------------------------------------
Lenses (once every 12 months)
  Single                            100% after copay                            $40 maximum
  Bifocal                           100% after copay                            $60 maximum
  Trifocal                          100% after copay                            $80 maximum
  Lenticular                        100% after copay                            $125 maximum
----------------------------------------------------------------------------------------------------------------
Frames (once every 24 months)   100% up to a determined maximum                 $45 maximum
----------------------------------------------------------------------------------------------------------------
Contacts (including disposables)
  If medically necessary          100% with prior approval                up to $210, in lieu of other benefits
  If elective                   up to $105, in lieu of other benefits     up to $105, in lieu of other benefits
----------------------------------------------------------------------------------------------------------------
</TABLE>

                                                                 21
<PAGE>

YOUR LIFE INSURANCE COVERAGE

This section describes the coverage available to you under the FLEXPoint life
insurance plan.

As an Officer of WellPoint, you receive life insurance under the Group Universal
Life policy (See FLEXExec on page 28). You should consider your level of
FLEXPoint life insurance coverage in light of the Group Universal Life coverage
you receive as an Officer.

BENEFIT SALARY

Benefits are based on your benefit salary, which is your annual base pay as of
September 1, 2000 plus commissions or sales incentives paid from September 1,
1999 through August 31, 2000. For Officers hired on or after September 1, 2000,
your benefit salary is your annual base pay excluding any commissions. Your
benefit salary does not change mid-year with salary increases. It will be
recalculated on September 1, 2001 for an effective date of January 1, 2002.

Life insurance benefits are rounded to the next higher multiple of $1,000 unless
your salary is an even multiple of $1,000. For example, if your benefit salary
is $29,300 and you elect one times your benefit salary, your coverage would be
rounded up to $30,000. The MAXIMUM amount of your coverage cannot exceed
$1,000,000.

Your benefit is reduced when you reach age 70 and again at age 75. If you become
totally disabled prior to age 60, you will need to apply for a premium waiver.
If approved, no premium payments will be required during the this period of
disability.

You can choose from the following life insurance options:

- $50,000

- 1 times your benefit salary (WELLPOINT PROVIDES THIS LEVEL OF COVERAGE AT NO
    COST TO YOU.)

- 2 times your benefit salary

- 3 times your benefit salary

- 4 times your benefit salary

- Waive coverage

If you are on a leave of absence on January 1, 2001 and you elect to increase
life coverage for 2001, that new coverage level will not take effect until you
return from the leave and an Evidence of Insurability has been approved (if
applicable).

We offer life insurance coverage when you first become eligible without an
Evidence of Insurability form. Increasing your life insurance amount by more
than one level during Open Enrollment requires an Evidence of Insurability form
and is subject to approval by the Claims Administrator.

If, during open enrollment, you select a life insurance option that is two
levels greater than your existing coverage, you will need to provide an Evidence
of Insurability form. If approved, your increase in coverage and deductions will
take effect on January 1, 2001 or the first of the month after insurance
company approval is received, whichever is later. If your Evidence of
Insurability form is not received by the Benefits Department by January 15,
2001, your request to increase coverage for 2001 will be denied automatically.

If your request is denied, your 2000 level of coverage will remain in effect for
2001 with the corresponding 2001 cost.

Life insurance greater than one times your benefit salary can be purchased only
on an after-tax basis.

Life insurance coverage is a fully insured plan administered by BC Life &
Health Insurance Company.

IMPUTED INCOME

The IRS Code states that employee group term life insurance benefits in excess
of $50,000 and dependent life insurance may result in taxable income to the
associate. This is known as "imputed income." Imputed income must be reported on
your W-2 and is included as earnings in your paycheck. Imputed income is subject
to federal, state and FICA taxes.

                                       22
<PAGE>

YOUR DEPENDENT LIFE INSURANCE COVERAGE

Dependent life insurance enables you to insure the lives of your spouse/domestic
partner and eligible dependent child(ren).

If, during open enrollment, you add or increase your dependents' coverage, your
dependents must complete an Evidence of Insurability form. When approved, the
increase in coverage and deductions will take effect on January 1 or the first
of the month after insurance company approval is received, whichever is later.
If your request is denied, the current level of coverage will remain in effect
for 2001 with the corresponding 2001 costs.

If you are on a leave of absence on January 1, 2001, and you elect to increase
dependent life insurance for 2001, the new coverage level will not take effect
until you return from the leave and an Evidence of Insurability has been
approved.

The information in this Enrollment Guide is only a summary--refer to your
Summary Plan Description for more information.

SPOUSE/DOMESTIC PARTNER LIFE INSURANCE

Spouse/domestic partner life insurance is based on your benefit salary (see page
22 for a definition of benefit salary), and the cost is based on your age as of
January 1, 2001. Benefits are paid directly to you. This coverage cannot exceed
the lesser of 50% of your life insurance amount or $125,000. Spouse/domestic
partner coverage will be reduced when your life insurance is reduced--at age 70
and again at 75.

Spouse/domestic partner life insurance benefits are rounded down to a multiple
of $1,000. For example, if your benefit salary was $29,300 and you elected
spouse life of one times your benefit salary, your spouse's/domestic partner's
coverage would be rounded down to $29,000.

You may choose from the following options for spouse/domestic partner life
insurance:

- $5,000

- 50% of your benefit salary

- 1 times your benefit salary

- Waive coverage

CHILD LIFE INSURANCE

Child life insurance is a fixed amount depending on the age of your child(ren).

You have the following options for child life insurance, or you can waive
coverage:

<TABLE>
<CAPTION>
FOR EACH           OPTION 1       OPTION 2        OPTION 3
DEPENDENT CHILD    (1 UNIT)       (2 UNITS)       (5 UNITS)
-------------------------------------------------------------
<S>                 <C>              <C>              <C>
Birth to age        $  500           $ 1,000          $ 2,500
14 days
-------------------------------------------------------------
14 days to six      $2,500           $ 5,000          $12,500
months of age
-------------------------------------------------------------
6 months            $5,000           $10,000          $25,000
through age 18
years of age (24 if
full-time student)
-------------------------------------------------------------
</TABLE>

As with spouse/domestic partner life insurance, benefits are paid to you, and
this coverage cannot exceed 50% of your life insurance amount. All of your
eligible children and your domestic partner's children may be covered if you
choose this benefit. If you do not elect to cover a child or if the child does
not meet the Evidence of Insurability requirement, that child will not be
covered.

You must notify the Associate Service Center when dependents no longer qualify
for coverage (i.e. an ex-spouse after a divorce) or when they reach the
limiting age of 19 (or 25 if a full-time student).

If both you and your spouse/domestic partner, or you and your child/parent, are
employed at WellPoint, you may not elect multiple coverage under the same plans.
For example, you cannot elect spouse/domestic partner life coverage if your
spouse/domestic partner works for WellPoint and is enrolled in associate life
insurance.

If you are on a leave of absence on January 1, 2001, any new elections or
increases you make to dependent life will not take effect until you return from
the leave and any applicable Evidences of Insurability have been approved.

                                       23
<PAGE>

YOUR ACCIDENTAL DEATH AND DISMEMBERMENT (AD&D) COVERAGE

Accidental death and dismemberment (AD&D) coverage protects you if you die or
are dismembered as the result of an accident. The plan does not pay benefits if
you die from natural causes. This benefit is designed to supplement your life
insurance coverage and is a separate election. AD&D coverage is not available
for dependents.

The information in this Enrollment Guide is only a summary--refer to your
Certificate of Insurance for more information.

AD&D benefits are rounded to the next higher multiple of $1,000 unless your
benefit salary is an even multiple of $1,000. For example, if your benefit
salary is $29,300 and you elect one times your benefit salary, your coverage
would be rounded up to $30,000.

You can choose from the following AD&D options (see page 22 for a definition of
benefit salary):

- 1 times your benefit salary (WELLPOINT PROVIDES THIS LEVEL OF COVERAGE AT NO
  COST TO YOU.)

- 2 times your benefit salary

- 3 times your benefit salary

- 4 times your benefit salary

The maximum amount of AD&D coverage cannot exceed $1,000,000. You cannot waive
AD&D coverage. You do not need to submit an Evidence of Insurability form if you
increase your level of coverage during Open Enrollment.

The AD&D plan pays the full benefit amount to your beneficiary if you die in an
accident. Your beneficiary will be the same as listed on your life insurance
beneficiary form. The plan pays the full amount or a percentage of the full
amount if you suffer a dismemberment as the result of an accident. The
percentages vary by the seriousness of the injury--refer to the Certificate of
Insurance.

If you are on a leave of absence on January 1, 2001, and you elect to increase
AD&D coverage for 2001, the new coverage level will not take effect until you
return from leave.

                                     24
<PAGE>

YOUR FLEXIBLE SPENDING ACCOUNTS

Flexible Spending Accounts provide an opportunity for you to save money on your
out-of-pocket health care or dependent day care expenses throughout the year.
you are not taxed on the money you contribute, nor on the reimbursements you
receive.

TAX SAVINGS

For most associates who elect flexible spending accounts, the tax savings as
much as 35 cents on the dollar-28 cents in federal income tax, plus any
applicable state or local income tax. Your tax savings will be based on your
actual tax circumstances.

HOW FLEXIBLE SPENDING ACCOUNTS WORK

You elect an annual amount of money to be deducted from your biweekly paychecks
on a pretax basis. Based on your annual election, a prorated amount is
subtracted from your paycheck each pay period. When you have an eligible
expense, you file a claim and are reimbursed without paying taxes on this
amount.

The full annual amount you elect to defer under the Health Care Spending
is available on the effective date of your coverage. So, if you elect $1,000 for
the year and have an eligible expense of $900 in January, you will be reimbursed
the full $900 even though you have only accumulated $38.46 thus far.
Contributions, however, will continue to be deducted for the remainder of the
year. Under the Dependent Day Care Spending Accounts, you can be reimbursed only
for the amount actually in your account at the time you submit the claim.

The amount you elect to contribute to your accounts over the course of the year
is irrevocable. Once you make your election, you must continue to contribute at
that amount until the end of the calendar year or termination of employment.

YOU HEALTH CARE SPENDING ACCOUNT

If you choose to participate, you decide how much to deposit in the Health Care
Spending Account to pay for expenses for you and your dependents that are not
covered by your medical, dental, and vision plans. For example, health plan
deductibles and copayments, mileage and parking expenses while you're receiving
health care, and contact lens solution are normally not reimbursed by your
insurance plan. But they may be eligible for reimbursement under a Health Care
Spending Account.

Some additional examples of eligible expenses are:

- Uninsured medical, dental, vision, and prescription drug expenses and copays.

- Chiropractic expenses.

- Hearing aids and batteries.

- Mental health expenses.

- Prescription glasses and sunglasses.

- Orthodontia expenses.

For a complete list of expenses eligible for reimbursement, please contact
UniAccount at (888) 209-7976.

You have though March 31,2002 to file Health Care Spending Account claims for
expenses incurred on or before December 31, 2001. If you terminate employments
prior to December 31, 2001, your claims must be for expenses incurred on or
before your termination with WellPoint.

Please note that you are eligible for reimbursement of domestic partner expenses
only if your domestic partner (or child of the domestic partner) is you
dependent for IRS purposes.

                                       25

<PAGE>

HOW MUCH CAN I ELECT?

<TABLE>
<CAPTION>

                                   Minimum                         Maximum
                           Pay Period     Annually       Pay Period    Annually

<S>                            <C>         <C>            <C>           <C>
Health Care Account             $10         $260           $192.31       $5,000
Dependent Day Care Account      $10         $260           $192.31       $5,000

</TABLE>

(1) Married associates filing a separate tax return can only elect $2,500 per
year. Married associated filing a joint return have a combined maximum of $5,000
per year from all available plans.

FOR PURPOSES OF THIS SECTION, "DEDUCTIONS" ARE SALARY REDUCTIONS USED TO PAY AN
EQUIVALENT AMOUNT OF YOUR ELIGIBLE HEALTH CARE AND/OR DEPENDENT DAY CARE
EXPENSES. ADDITIONALLY, ALTHOUGH THIS SECTION REFERS TO "YOUR ACCOUNTS," ALL THE
DEDUCTIONS ARE HELD AS PART OF THE GENERAL ASSETS OF THE COMPANY.

You can participate in the Health Care Spending Account even if you waive
medical coverage. Once you enroll in a spending account, you cannot change
your election or contributions for the remainder of that calendar year. The
only exception is if you have a qualified mid-year change (such as the birth
of a child). Refer to the Mid-Year Changes section of this Enrollement Guide
for more details.

As you consider participating in the Health Care Spending Account, think
about the following:

- Do you anticipate any expenses not covered by your (or your spouse's) medical,
dental, or vision care plans?

- Do you anticipate any large out-of-packet expenses such as orthodontics,
crowns, hearing aids or the birth of a baby? Do you need eyeglasses, contact
lenses, and/or prescription sunglasses?

YOUR DEPENDENT DAY CARE SPENDING ACCOUNT

You can participate in this account if you need dependent daycare services to
enable you to work or, if you are married, for both you and your spouse/domestic
partner, child or parent that is physically or mentally incapable of caring for
himself or herself and spends at least eight hours per day in your home.

If you spouse/domestic partner (if also your dependent) does not work, your
dependent daycare expenses may be reimbursable if your spouse/domestic partner
is a full-time student or physically or mentally unable to provide care for
himself or herself.

In general, any expense that qualifies for the Federal Dependent Care Tax Credit
my be reimbursed. When filing your dependent daycare claims, you will need to
submit the Tax Payer Identification Number or Social Security Number of the
person or entity who provides care. You cannot participate in Dependent Day Care
Spending Account and file for a Federal Dependent Care Tax Credit.

This account is for reimbursement of child/elder care expenses. IT DOES NOT
PROVIDE REIMBURSEMENT FOR MEDICAL EXPENSES OF A SPOUSE/DOMESTIC PARTNER OR
DEPENDENT (SEE "YOUR HEALTH CARE SPENDING ACCOUNT" ABOVE).

Note: According to IRS regulations, deductions by highly compensated Officers
may be subject to limitations. You will be notified if you are affected by
these limitations.

                                       26
<PAGE>

As you consider participating in the Dependent Day Care Spending Account, think
about the following:

- Will you incur expenses from a licensed daycare center or nursery school?

- Will your child (ren) attend an eligible daytime summer camp or before-school
  or after-school activities?

- Would you save more money from the Federal Dependent Care Tax Credit?

- Do you have an aging dependent parent who may require care?

"USE IT OR LOSE IT" RULE

Under this rule, you must use the money in your health care and/or dependent
day care account for eligible expenses you incur during the year in which the
contributions are made.

You have until March 31 of the following year to request your reimbursement. If
you terminate during the year, you can request reimbursement of the balance in
your Dependent Day Care Account after you terminate if you incur an eligible
expense any time during the calendar year, up to the amount you had withheld
from your paycheck. Under the Health Care Account, if you terminate, you can
only request reimbursement for expenses incurred through your termination date.
See the COBRA section for continuing contributions.

If you have a balance left in your Flexible Spending Accounts after the
deadline for requesting reimbursement, the IRS requires it to be forfeited.
Any forfeited amounts are applied to the administration of the Flexible
Spending Accounts.

HOW TO FILE A CLAIM

HEALTH CARE SPENDING ACCOUNT

If you are covered under the WellPoint Preferred PPO or WellPoint Group medical
plan, or Standard or Enhanced Dental Plans, expenses which are only partially
covered by your plan (s) are automatically processed under your Health Care
Flexible Spending Account.

You must submit an FSA claim form for unreimbursed expenses if you do not elect
medical and/or dental coverage if you do not elect medical and/or dental
coverage from WellPoint and for unreimbursed expenses from an HMO or VSP (be
sure to include an itemized statement from the provider of services or an
explanation of benefits form).

DEPENDENT DAY CARE SPENDING ACCOUNT

To obtain reimbursement for qualifying dependent daycare expenses, you must
submit an FSA claim form (be sure to include an itemized statement from the
provider of services and tax identification number-statement from the provider).

CLAIM FORM

After you enroll, claim forms will be mailed to you. However, if you wish, you
may obtain a claim form by calling (888) 209-7976 or, if you have access to TAO,
you may print a copy from the TAO FSA bulletin board.

Mail claims to:  UniAccount
                 P.O. Box 4381
                 Woodland Hills, CA 91365-4381

Fax claims to:   (888) 234-4730

Reimbursements are mailed to your home 7-10 business days after we receiver the
necessary paperwork for your claim.

You may view your UniAccount Flexible Spending Account balances and payment
history via the Internet using the Blue Cross of California Member Services
website. You may obtain a personal identification number for direct access at
the site (http://www.bluecrossca.com/memberservices/).

QUESTIONS

If you question about enrolling in a Flexible Spending Account, contact the
Associate Service Center. If you have questions about filing a claim or
reimbursement, please contact UniAccount directly at (888) 209-7976 or by e-mail
at UNIACCOUNT.FSA@WellPoint.com

                                       27
<PAGE>

FLEX EXEC
--------------------------------------------------------------------------------

WellPoint provides a number of benefit programs for its Officers. The following
information briefly outlines your WellPoint benefits. The legal plan documents
prevail in any conflict of interpretation, and the Company reserves the right to
modify or terminate the programs at any time without notice.

In addition to the FlexPoint benefits, the Company provides the following
benefits to Officers:

- Officer Physical Exams.

- Group Universal Life Insurance.

- Short-Term Disability.

- Long-Term Disability.

- Financial Planning Seminars.

- Comprehensive Executive Nonqualified Retirement Plan.

To enroll in the Comprehensive Executive Nonqualified Retirement Plan, you need
to complete the enclosed FlexExec enrollment form and return it to Charles
Thorburn in the WellPoint Compensation Department at 4553 La Tienda Drive,
Thousand Oaks, CA 91362, Mail Stop T1-1C7.

OFFICER PHYSICAL EXAMS

In addition to your medical options under FlexPoint, Vice Presidents and above
with at least one year of service participate in the Officer Physical Exam
Program.

You are eligible to receive a physical exam at no cost to you according to this
schedule:

YOUR AGE                                HOW OFTEN YOU CAN HAVE A PHYSICAL EXAM
44 and younger                                  Every 24 months
45 and older                                    Every 12 months

Any exceptions to this schedule must be recommended by a physician and approved
by the Company.

WellPoint recommends two world-class medical centers for the physical exams:

o Cedars-Sinai Medical Center Executive Medical Services in Los Angeles.

o Scripps Center for Executive Health in La Jolla.

Both facilities offer comprehensive one-day program. The findings of your exam
will remain confidential between you and your physician.

To make an appointment, call the medical center of you choice:

Cedars-Sinai Executive
Medical Services                                (310) 423-2374

Scripps Center for
Executive Health                                (858) 626-4460

                                       28
<PAGE>

GROUP UNIVERSAL LIFE INSURANCE

In addition to your life insurance options under FLEXPoint, the Company provides
you with a supplemental life insurance benefit based upon our total
compensation (September 1, 2000 base annual salary plus target management
bonus).

- Vice Presidents                       2 times total
  and General Managers                  compensation

- Senior Vice Presidents                3 times total
  and above                             compensation

HOW DO I ENROLL IN THIS COVERAGE?

All current Officers who have completed an application for this coverage in the
past are automatically covered. If the amount of coverage increases by more than
10% from the prior year due to an increase in total compensation, the insurance
company may require an Officer to go through medical underwriting for the amount
over 10% before providing the full coverage increase.

Newly-hired Officers will receive an application in the mail from MCG Northwest.
Coverage will not take effect until the first of the month following receipt and
acceptance of the application by the carrier.

HOW DOES UNIVERSAL LIFE INSURANCE WORK?

In addition to receiving a fixed life insurance benefit, you also have the
opportunity to make additional premium payments to increase the amount of your
insurance and/or make investments with the earnings accumulating on a
tax-deffered basis.

WHAT IS THE COST OF THE BENEFIT?

The Company pays the entire cost of this life insurance benefit. Your only cost
will be the income tax on the premium paid for the coverage.

WHAT HAPPENS AT TERMINATION?

You will receive an individual policy, which can be continued by paying the
premium contributions or surrendered for the cash value, if any.

WHO DO I CONTACT FOR ADDITIONAL INFORMATION?

Contact Rick Davenport at (925) 253-0800 with any questions concerning your
Group Universal Life Insurance policy.

YOUR DISABILITY COVERAGE

Short-term disability (STD) and long-term disability (LTD) work together to
provide you with income if you become disabled by illness or injury and are
unable to work. Officers are automatically enrolled in these plans.

SHORT-TERM DISABILITY

In the event you are disabled and unable to perform all the essential duties of
your job, the Company will continue your base annual salary for up to 26 weeks.
All disabilities are subject to review. This benefit payment will be reduced by
any benefits payable under Workers' Compensation and/or any other state or
federal disability benefits you are eligible to receive.

Benefits received under this program are considered taxable income.

                                       29

<PAGE>

LONG-TERM DISABILITY

If you are disabled longer than 26 weeks, you may be eligible for a Long-Term
Disability benefit based upon your total compensation (September, 1 2000 benefit
salary (see page 22 for definition) plus 2000 target management bonus).

Your disability benefits will be subject to pre-existing condition limitations.
No benefits will be payable during the first 12 consecutive months of coverage
if you become disabled as the result of a condition for which treatment was
rendered, prescribed or recommended within three months immediately preceding
the date your benefit option became effective.

AMOUNT OF BENEFIT

- Vice Presidents                       60% of Compensation
  and General Managers

- Senior and Executive                  70% of Compensation
  Vice Presidents

WHAT IS THE COST OF THIS BENEFIT?

The Company pays the entire cost of this coverage. As such, if you receive any
LTD benefits, they are fully taxable.

WHAT HAPPENS AT TERMINATION/RETIREMENT?

Coverage ceases and cannot be continued or converted.

FINANCIAL PLANNING SEMINARS

The Company provides periodic seminars to discuss such topics as financial
planning, retirement planning, stock ownership guidelines, income tax, etc.

COMPREHENSIVE EXECUTIVE
NONQUALIFIED RETIREMENT PLAN

This Plan provides Officers with an opportunity to defer a portion of their
compensation for retirement or other future needs. The Plan also provides an
opportunity to recover Company contributions lost due to the IRS limits.

ELIGIBILITY

An Officer of the Company whose base annual salary plus target management bonus
exceeds $125,000 per year is eligible to participate in the Plan. Generally,
deferral elections must be made before the calendar year in which the
compensation is earned and cannot be changed until the next calendar year.
Associates promoted to an Officer position or newly hired Officers may elect
within 30 days to participate in the Plan for the remaining portion of the
calendar year.

DEFERRAL ELECTIONS

There are five basic components to the Plan.

1. SUPPLEMENTAL 401(k) DEFERRAL

This component allows you to receive a Company match on eligible compensation
when you are not receiving a match under a qualified 401(k) plan.

This component works in two ways:

- It replaces deferrals lost due to IRS limits on contributions to the 401(k)
plan. For 2001, the IRS limits eligible 401(k) compensation to $170,000 with the
maximum contribution of $10,500. You may defer up to 6% of your compensation
earned after reaching $170,000 or after deferring $10,500 into the 401(k) plan,
whichever occurs first.

- It allows newly hired Officers to receive a matching contribution during their
first year of service. Newly hired Officers may defer up to 6% of compensation
earned before becoming eligible for the 401(k) match. PLEASE NOTE: NEWLY HIRED
OFFICERS WHO ELECT TO DEFER UNDER THIS COMPONENT NEED TO ENROLL IN THE 401(k)
PLAN WITH VANGUARD WHEN THE REACH ONE YEAR OF SERVICE IN ORDER TO CONTINUE THEIR
CONTRIBUTIONS AND RECEIVE THE COMPANY MATCH.

                                       30

<PAGE>

2. SALARY DEFERRAL

This component allows you to defer up to 60% of your base salary.

For example:

<TABLE>
<CAPTION>
                                            BEFORE             AFTER
                                        MARCH INCREASE    MARCH INCREASE
<S>                                <C>               <C>
BASE SALARY                             $140,000          $147,000

BASE SALARY DEFERRAL ELECTION                 20%               20%

ANNUAL DEFERRAL                          $28,000           $29,400
                                   divided by 26     divided by 26

AMOUNT DEFERRED                        $1,076.92          1,130.77
PER PAY PERIOD
</TABLE>

Using the above example, before the March increase, you may elect to defer
between 1%-60% of $140,000. The deferral will take place on a per-pay-period
basis and will reflect the base salary paid during that pay period. If you
elected to defer 20% of the $140,000, you would defer to $1,076.92 per pay
period. Additionally, if you were to receive a 5% salary increase in March,
bringing your base salary to $147,000, your deferral would increase to $1,130.77
per pay period ($29,400 divided by 26 = $1,130.77).

3. BONUS DEFERRAL

This component allows you to defer all or a portion (1%-100%) of your management
bonus. This election is for the management bonus that will be EARNED IN THE NEXT
CALENDAR YEAR, BUT NOT PAID UNTIL THE FOLLOWING YEAR.

4. CAR ALLOWANCE

This component allows you to defer your car allowance.

<TABLE>
<CAPTION>
                                                        Annual*

<S>                                                     <C>
- Vice Presidents and                                   $4,800
  General Managers

- Senior Vice Presidents                                $7,200

- Executive Vice                                        $9,600
  Presidents and above
</TABLE>

You may elect to defer all of this amount. If you do not defer your car
allowance, you will receive it as taxable income each pay period over the
calendar year.

You may also elect to be paid for mileage in lieu of the set dollar car
allowance.

*Prorated for new Officers hired mid-year

5. SUPPLEMENTAL PENSION DEFERRAL

This component replaces deferrals lost due to IRS limits on contributions to the
Pension Accumulation Plan. The Company will automatically contribute 3%, 4% or
5% (based on service) of your earnings in excess of $170,000 per year. THERE IS
NO ELECTION NECESSARY. This component has a vesting feature identical to the
Pension Accumulation Plan: if you leave prior to completing five years of
credited service, no benefit is payable.

PLAN OPTIONS

Once you decide to make deferral elections under the Comprehensive Executive
Nonqualified Retirement Plan, you have a number of options, which are summarized
below.

INVESTMENT FUNDS

Money deferred under the five components of this Plan is invested in an account
with Vanguard. The same 11 Vanguard funds offered in the WellPoint 401(k)
Retirement Savings Plan are available for your nonqualified deferrals in this
Plan. New participants must make investment elections on the enclosed enrollment
form. Current participants can change their investment allocation for new
contributions or for existing balances by calling Vanguard at (800)523-1188.

                                       31

<PAGE>

DISTRIBUTION OF BENEFITS

Officers currently enrolled in this Plan have made payment elections for their
Nonqualified Retirement Plan accounts which are on file with the Company. If you
are enrolling for the first time, you must elect the timing of when to receive
the deferral account balance and what form of payment you want to receive.
Please complete and submit the Distribution and Beneficiary Election Form. Note
that the distribution date is the day the distribution processing begins and not
the day you will receive funds.

The timing options are:

- Termination/retirement date

- Date of death

- A specific date (must be at least 12 months from date of election and not
  later than your 65th birthday)

- The earliest of your termination/retirement date, date of death or specific
  date

- Other: this option is used when you elect to receive the distribution at
  different intervals (e.g. $25,000 on 7/1/2001, with the balance at
  retirement or one year after termination/retirement).

The payment options are:

- Lump sum

- Annual installments not to exceed 15

- Other: this option is used if you want a combination of the above (e.g.
  $25,000 in a lump sum with the balance in 10 annual installments).

DISTRIBUTION PROCESSING

The Company will begin processing your distribution on the date specified in
your distribution election. Investments must be sold, money transferred to the
trustee, and a check generated by the trustee must be processed by WellPoint.
Please allow a minimum of 2 weeks after your distribution date to receive your
funds.

CHANGING YOUR DISTRIBUTION ELECTION

You may change an existing distribution election by submitting a written request
at least 12 months BEFORE you are originally scheduled to receive the
distribution. The new election date must be at least 12 months after the date we
receive your new election form. Please contact Charles Thorburn in the WellPoint
Compensation Department for a new form.

ACCELERATED DISTRIBUTIONS

- HARDSHIP WITHDRAWAL: If you have an immediate and heavy financial need and
  have no other resources reasonably available to you, you may request a
  hardship withdrawal. The 401(k) provisions regarding hardship withdrawal will
  be applied. The amount is limited to the portion of your account attributable
  to your salary, management bonus and supplemental 401(k) deferrals.

-FORFEITURE: Absent a demonstration of immediate and heavy financial need,
 you may elect to receive 85% of your entire vested account in an early
 distribution at any time upon 30 days written request. The remaining 15% will
 be forfeited. If you elect to receive a forfeiture distribution, your
 participation in the Plan will be suspended and you may not again participate
 in the plan until the Plan Year that is at least 12 months following the Plan
 Year in which such distribution occurred.

                                       32

<PAGE>

WITHHOLDING

The Company will deduct amounts required by law to be withheld for taxes with
respect to benefits under this Plan.

BENEFICIARY ELECTION

Officers currently enrolled in this Plan have a beneficiary election on file.
New enrollees must make a beneficiary election. Your beneficiary election may
be changed at any time.

SUSPENSION OR YOUR SALARY, BONUS
AND CAR ALLOWANCE DEFERRAL ELECTIONS

You may suspend your election for the salary, bonus and car allowance deferral
portions of the Plan. You will be eligible to elect deferrals again for the
calendar year following 12 months of suspension.

For the bonus deferral, a suspension will affect multiple bonuses: any bonus
deferral that has already been elected and the bonus deferral that would be
elected within 12 months of suspension.

SUSPENSION OF YOUR
SUPPLEMENTAL 401(k) DEFERRAL

You may separately suspend your election for the supplemental 401(k) deferral.
You will be eligible to elect deferrals again for the calendar year following
12 months of suspension.

                                       33

<PAGE>

YOUR BALANCED LIFE BENEFITS

WellPoint knows that you want a career, but you also want balance with your
personal life. For this reason, the Company provides a wide range of benefit
programs to assist you in balancing your life and career.

The following information briefly outlines some of these current benefits.
Please refer to your Associate Handbook for more details. The legal plan
documents are controlling in any conflict of interpretation, and the Company
reserves the right to modify or terminate the programs at any time without
notice.

EMPLOYEE ASSISTANCE AND WORK/LIFE PROGRAM

WellPoint offers an Employee Assistance and Work/Life Program to help you find
solutions to the problems and difficulties of daily life. WellPoint offers its
Employee Assistance Program (EAP) free of cost, through WellPoint Behavioral
Health (WBH). This program is available to all associates from date of hire.

The EAP provides confidential, professional assistance when personal problems
affect your life and work. EAP counseling and referral services can assist you
with emotional difficulties, relationship issues, family concerns, alcohol and
drug abuse, and financial and legal concerns. Associates and eligible family
members (including domestic partners and their children) may receive up to six
sessions per incident.

In addition to offering confidential counseling, the program is designed to
help you make the right decisions about your dependent care needs. Work/Life
benefits include resources and referrals for child care needs and elder care
needs offered through Harris Rothenberg International (HRI). Counselors can
be reached through your EAP toll-free number.

EAP professionals are available 24 hours a day, 7 days a week. For assistance,
call the EAP at (888) 777-6665.

MEDCALL

MedCall is a 24-hour, 7-day a week nurse line. There is no cost for using this
service. All associates and their families have access to nurse counselors who
can provide a variety of information including:

- Assistance in determining if you need to see a doctor,

- What level of care would be the most appropriate (e.g. hospital vs. urgent
  care facility),

- Information on various health conditions and diagnoses,

- Information on medical procedures,

- Information on various support groups, medications and possible side effects,
  and

- General health information.

MedCall also provides guidance regarding questions you should ask your provider
and access to an audio library of over 200 health-related topics. MedCall can
be reached at (888) 629-4000. Your custom MedCall ID # is 1005.

TUITION ASSISTANCE

WellPoint encourages you to increase your knowledge and develop your career
through continuing education. All active, full-time regular associates who
complete six months of service are eligible to request tuition assistance.
Classes must begin after the 6-month waiting period. This program is
administered through the Benefits Department of Human Resources. To
participate in the program, applications for tuition reimbursement must be
approved by the Benefits Department prior to enrolling in any course. The
benefit is 75% of tuition and related expenses up to a $3,000 maximum per
calendar year. This benefit may be reduced by any grants or scholarships you
receive. (Per IRS rules, reimbursement for undergraduate courses is not
included in income, but graduate level course reimbursement is taxable
income.)

                                       34

<PAGE>

Academic courses and degree programs either must be related to a currently
held job or to a position at the Company for which you are preparing to
qualify. Courses must be taken at a regionally accredited institution. Upon
successful completion of the course (a "C" grade or better for undergraduate
courses and a "B" grade or better for graduate courses--or "pass" where the
course is "pass/fail"), you will be reimbursed for registration, tuition,
laboratory fees and books. Requests for reimbursement must be completed
within 90 days of completing the course. Tuition assistance applications are
available at your local Human Resources office.

WORK ON WELLNESS (WOW)

Practicing a healthy lifestyle cuts down on stress and reduces the likelihood
of illness and injury. To support this philosophy, the Company offers Work On
Wellness (WOW) to all active, regular full-time associates following six
months of active employment. WOW provides reimbursement for individual
membership dues in a recognized health club, smoking cessation program or
weight management program, up to a maximum of $35 per month. Reimbursement is
taxable income and is treated as "other" income and reported on your W-2
form. Reimbursement is made quarterly through your paycheck.

You must submit a WOW reimbursement form to Human Resources within 30 days of
the close of the calendar quarter for which you are requesting reimbursement.
You may print a copy of the WOW form from HR Information on TAO. These forms
are also available at your local Human Resources office.

TIME OFF

Time off includes Company holidays, floating holidays, vacation, sick time and
leaves of absence.

HOLIDAYS

WellPoint provides eligible Officers 10 paid Company holidays each year. The
scheduled days vary somewhat each year because holidays fall on different
days of the week from one year to the next. The Company holiday schedule for
2001 is in the Associate Handbook.

VACATION

The Officers' vacation accrual schedule is located in the Associate Handbook.

SICK TIME

Eligible WellPoint Officers accrue up to 8 paid sick days per year. Sick time
may be used for your or your immediate family member's (child, parent,
spouse/partner) illness or doctor or dental appointments. Sick time accrues
throughout your employment up to a maximum of 30 days, and may be used as soon
as it accrues.

LEAVES OF ABSENCE

The Company provides different leave plans to accommodate associates when
certain situations arise that would temporarily make working unduly
burdensome. The Plans include Medical/Pregnancy Disability Leave, Family
Care/Bonding Leave, Military Leave and Personal Leave. The Company
administers leaves of absence in accordance with the Family Medical Leave
Act, the Americans with Disabilities Act, and all other federal and state
laws governing leaves of absence. The plans are discussed in detail in your
Associate Handbook.

                                       35

<PAGE>
YOUR FINANCIAL FUTURE AND RETIREMENT BENEFITS

PENSION ACCUMULATION PLAN

On the January 1 or July 1 following one year of service and reaching age 21,
you automatically participate in the Pension Accumulation Plan. Benefits under
the Plan are fully paid by the Company and are based on earnings and length of
service. For new Officers, the Company contribution is generally 3% of eligible
earnings for less than 10 years of service; 4% of earnings during years 10
through 19; and 5% of earnings for any years of service after 20. Officers who
complete five years of credited service are fully vested. There is no partial
vesting for less than five years of service. Statements will be mailed to your
home address on an annual basis.

WELLPOINT 401(k)
RETIREMENT SAVINGS PLAN

WellPoint's 401(k) Retirement Savings Plan is a retirement plan designed to help
you save for long-term financial goals, especially retirement. You contribute to
the Plan through automatic payroll deductions and benefit from special tax
advantages.

CONTRIBUTIONS

You may start contributions on the first of the month following one month of
completed service. An enrollment package will be mailed to your home from
Vanguard, our plan trustee. Please refer to the enrollment material, Summary
Plan Description/Prospectus and plan document for a description of this Plan and
before making any decision to participate in the Plan.

Contributions are made on a pretax basis and are based on your eligible
compensation. You can contribute between 2% and 15% of your eligible
compensation. Following is a list of limitations on your contributions:

-    Officers who earn more than $80,000 are considered by the IRS to be highly
     compensated. This limit will be adjusted periodically by the IRS. This plan
     currently limits highly compensated Officers to a maximum contribution of
     8% of eligible compensation and may be adjusted as necessary.

-    The IRS limits pretax contributions to an annual limit of $10,500 in 2001.
     This limit will be adjusted periodically by the IRS.

-    You may continue your contributions, subject to the $10,500 limit, until
     your eligible earnings reach $170,000, or as adjusted by the IRS.

COMPANY MATCH

Generally, after one year of employment, the Company matches a portion of your
eligible contributions. Beginning with the pay period in which you reach one
year of employment, the Company will generally match 75% on the first 6% of your
eligible earnings contributed to the plan. One-third of the Company match will
be invested in the WellPoint Common Stock Fund. You determine the investment
direction for the rest of the Company match. In order to maximize the Company
match, you must contribute 6% to the Plan.

EXAMPLE:

ELIGIBLE COMPENSATION:             $400

CONTRIBUTION OF 6%:                $ 24

COMPANY MATCH OF 4 1/2%            $ 18
(75% OF 6%)                  ($6 INVESTED IN WELLPOINT
                             COMMON STOCK; $12 YOU
                             CHOOSE HOW TO INVEST)

                                       36
<PAGE>

VESTING

You are 100% vested in pretax contributions as well as the Company matching
contributions. So, when you retire or terminate employment, you may receive all
the assets in your Plan account. The portion of the Company match directed to
the WellPoint Common Stock Fund must be maintained in that fund for the period
specified in the Plan.

INVESTMENT CHOICES

When you enroll in the Plan, you choose how to invest your contributions. There
are many investment choices available. You may change your fund selection or
transfer contributions between funds daily by calling Vanguard's VOICE Network
at (800) 523-1188, 24 hours a day or by visiting Vanguard's web site at
WWW.VANGUARD.COM. If you prefer, a Vanguard associate can assist you with
investment changes during normal business hours (M-F from 8:30 a.m. to 9 p.m.
Eastern Time). To access your account, you must have your Social Security number
and your assigned Personal Identification Number (PIN).

ACCESS TO YOUR SAVINGS

The Plan is designed to encourage long-term savings, but you may access money
from the Plan under certain circumstances. The Plan offers loans and hardship
withdrawals. Please see your enrollment materials or the Summary Plan
Description/Prospectus for details.

EMPLOYEE STOCK PURCHASE PLAN

You may enroll in the Employee Stock Purchase Plan if you are employed on the
day preceding the first day of the offering period. Enrollment is twice a year--
in December, reflecting the January to June offering period, and in June,
reflecting the July to December offering period. At the end of each offering
period, your contributions are used to purchase WellPoint Common Stock at a rate
discounted from the market price at the time of purchase.

Shares are purchased at 85% of the lower of the Company stock price on the first
day of the offering period or on the last day of the offering period.

You may choose to keep or sell your shares and are responsible for brokerage
fees, capital gains and any other costs associated with the sale.

You should refer to the Summary Plan Description/Prospectus for a complete
description of the Plan before making a decision to participate.

                                       37
<PAGE>

MID-YEAR CHANGES

Generally, you will not be able to change your FLEXPoint elections until the
next open enrollment period. However, IRS rules and the plans allow you to
change your elections during the year if you have a qualified mid-year change.

QUALIFIED MID-YEAR CHANGES

Examples of qualified mid-year changes for which you can change your benefits
during the year include:

-    Marriage, change in domestic partner status, divorce, legal separation or
     annulment

-    Birth or adoption of a child, or a change in a child custody arrangement

-    Death of your spouse/domestic partner or dependent

-    A change in your spouse's/domestic partner's/dependent's employment status

-    A significant change in your spouse's/domestic partner's/dependent's
     employer's health care coverage, not including open enrollment

-    A change in a dependent's eligibility status because of marriage, age, or
     loss of dependent status for federal tax purposes

-    A change in the cost of your dependent daycare

-    Unpaid leaves of absence

The coverage change must be consistent with the qualifying event.

If a qualified mid-year change occurs, it is your responsibility to contact the
Associate Service Center within 31 days of the qualifying event. After you
report the event to the Associate Service Center, you will receive an enrollment
worksheet for your use in making changes to your benefits. Failure to act
promptly could result in not having coverage for which you or your dependents
would otherwise be eligible.

Continuing coverage for a dependent who is no longer eligible (i.e. divorce,
termination of domestic partnership, a dependent child reaching the maximum age,
etc.), is a violation of Company policy and subject to disciplinary action up to
and including termination of employment. WellPoint pays for a portion of
coverage for these individuals. You may be liable for premiums and all
expenditures including, but not limited to, claims costs and any fees necessary
to be reimbursed for any paid claims, as well as legal fees.

If you move to an area where an HMO, Dental Net or a PPO is not available, you
must change your option to one that is available in your new location. However,
no other benefit changes will be allowed.

The chart on the following pages shows the changes you can make during the year.

                                       38
<PAGE>

QUALIFIED MID-YEAR CHANGES
<TABLE>
<CAPTION>

EVENT                            ELECTION CHANGES YOU CAN MAKE                      COVERAGE/CHANGE
                                 WITHIN 31 DAYS OF THE EVENT                        EFFECTIVE DATE      DOCUMENTATION REQUIRED
-----------------------------------------------------------------------------------------------------------------------------------
<S>                              <C>                                                <C>                 <C>
You get married or declare
a domestic partnership           -  Enroll yourself, spouse/partner and dependent   Date of the event   Copy of marriage certificate
                                    children in Medical, Dental and/or Vision (may                      or Declaration of Domestic
                                    not change existing plans)                                          Partnership
                                 -  Cancel Medical, Dental and/or Vision for
                                    yourself and dependent children if you are
                                    electing coverage under your new spouse's/
                                    partner's plan
                                 -  Add Spouse/Partner Life
                                 -  Enroll in/increase Health Care Spending
                                    Account
                                 -  Enroll in/cancel/change amount of
                                    contribution to Dependent Day Care Spending
                                    Account
-----------------------------------------------------------------------------------------------------------------------------------
You get divorced, legally        -  Enroll yourself and dependent children in       Date of the event   Copy of court documents
separated, have your marriage       Medical, Dental and/or Vision if you and your                       or Declaration of
annulled, or terminate your         dependent children lose coverage under your                         Termination of Domestic
domestic partnership*               former spouse's/partner's plan(s)                                   Partnership
                                 -  Required to cancel spouse/partner in Medical,
                                    Dental and Vision (COBRA coverage will be
                                    available for your spouse)
                                 -  Required to cancel Spouse/Partner Life and
                                    Child Life for stepchildren
                                 -  Enroll in/change contribution to Heath Care
                                    Spending Account
                                 -  Enroll in/cancel/change amount of
                                    contribution to Dependent Day Care Spending
                                    Account
-----------------------------------------------------------------------------------------------------------------------------------
You and/or your domestic         -  Enroll yourself, spouse/partner and dependent   Date of the event   Copy of birth certificate
partner gain a dependent            children in Medical, Dental and/or Vision                           from hospital, copy of
child through birth, adoption    -  Add new dependent child to existing Child                           adoption papers, or copy
or placement for adoption, or       Life coverage or enroll an only child                               of court documents for legal
gain legal custody               -  Enroll in/increase Health Care Spending                             custody
                                    Accounts
                                 -  Enroll in/increase Dependent Day Care
                                    Spending Account
-----------------------------------------------------------------------------------------------------------------------------------
You and/or your spouse's/        -  Required to cancel dependent child in           End of the month    Copy of court documents
domestic partner's dependent        Medical, Dental, Vision and Child Life                              for legal custody
child becomes ineligible (i.e.   -  Cancel (if ineligible dependent is only                             None required for marriage,
marriage, over maximum age,         person covered) or decrease Dependent Day                           over maximum age, etc.
becomes a WellPoint associate,      Care Spending Account
etc.) or you lose legal
custody of a child
-----------------------------------------------------------------------------------------------------------------------------------
Your spouse/domestic             -  Required to cancel spouse/partner in Medical,   Date of death       Copy of death certificate
partner dies                        Dental, Vision and Spouse/Partner Life
                                 -  Enroll yourself and dependent children in
                                    Medical, Dental and/or Vision if you and your
                                    dependent children lose coverage under your
                                    deceased spouse's/partner's plan(s)
                                 -  Enroll in/change amount of Heath Care
                                    Spending Account
                                 -  Enroll in/change amount of Dependent Day
                                    Care Spending Account
-----------------------------------------------------------------------------------------------------------------------------------
You and/or your spouse's/        -  Required to cancel dependent child in           Date of death       Copy of death certificate
domestic partner's dependent        Medical, Dental, Vision, Child Life
child dies                       -  Decrease Health Care Spending Account
                                 -  Decrease Dependent Day Care Spending Account
-----------------------------------------------------------------------------------------------------------------------------------
* You must notify the Associate Service Center within 15 days of the termination of your domestic partnership.
</TABLE>

                                       39
<PAGE>
<TABLE>
<CAPTION>
EVENT                            ELECTION CHANGES YOU CAN MAKE                      COVERAGE/CHANGE
                                 WITHIN 31 DAYS OF THE EVENT                        EFFECTIVE DATE      DOCUMENTATION REQUIRED
-----------------------------------------------------------------------------------------------------------------------------------
<S>                              <C>                                                <C>                 <C>
Your spouse/domestic partner     -  Cancel yourself, spouse/partner and or/         Date of the event   Documentation from
begins employment or increases      dependent children in Medical, Dental and/or                        spouse's/partner's employer
his/her work hours and gains        Vision                                                              (i.e. benefits enrollment
Medical, Dental and/or Vision    -  Change contribution to Health Care Spending                         form, employment offer
coverage through his/her            Account                                                             letter, etc.)
employer                         -  Enroll in/increase Dependent Day Care
                                    Spending Account
-----------------------------------------------------------------------------------------------------------------------------------
Your spouse/domestic partner     -  Enroll yourself, spouse/partner and/or          Date of the event   Documentation from
ends employment or loses            dependent children in Medical, Dental and/or                        spouse's/partner's employer
eligibility for benefits and        Vision                                                              (i.e. COBRA notice, HIPAA
you/your spouse/your dependent   -  Enroll in/change contribution to Health Care                        notice, etc.)
children lose Medical, Dental       Spending Account
and/or Vision coverage through   -  Cancel/decrease Dependent Day Care Spending
his/her employer                    Account
-----------------------------------------------------------------------------------------------------------------------------------
You and/or your spouse's/        -  Enroll dependent in Medical, Dental and/or      Date of the event   Documentation from
domestic partner's dependent        Vision                                                              dependent's employer (i.e.
ends employment or loses         -  Change contribution to Health Care Spending                         COBRA notice, HIPAA
eligibility for benefits            Account                                                             notice, etc.)
through his/her employer
-----------------------------------------------------------------------------------------------------------------------------------
You and/or your spouse's/        -  Cancel Medical, Dental and Vision for           Date of the event   Documentation from
domestic partner's dependent        dependent child                                                     dependent's employer
child begins employment or       -  Change contribution to Health Care Spending                         (i.e. benefits enrollment
increases work hours and gains      Account                                                             form, employment offer
coverage through his/her                                                                                letter, etc.)
employer
-----------------------------------------------------------------------------------------------------------------------------------
You move outside HMO or          -  Required to elect new Medical plan in new       Date of the event   Address change
PPO Service Area                    location
-----------------------------------------------------------------------------------------------------------------------------------
You move outside Dental Net      -  Enroll in new Dental plan                       Date of the event   Address change
Service Area
-----------------------------------------------------------------------------------------------------------------------------------
Your job status changes from     -  Enroll in Medical, Dental, Vision, Employee     First of the month  None-
part-time to full-time              Life, AD&D, Spouse/Partner Life, Child Life,    following job       Human Resources action
                                    STD and LTD                                     status change
                                 -  Enroll in/increase Heath Care Spending
                                    Account
                                 -  Enroll in/increase Dependent Day Care
                                    Spending Account
-----------------------------------------------------------------------------------------------------------------------------------
Your job status changes from     -  Enroll yourself, spouse/partner and dependent   First of the month  None-
part-time (under 20 hours/week)     children in Medical                             following job       Human Resources action
to part-time at least 20 hours/  -  Enroll in Health Care Spending Account          status change
week                             -  Enroll in Dependent Day Care Spending
                                    Account
-----------------------------------------------------------------------------------------------------------------------------------
Your job status changes from     -  Change Medical plan                             First of the month  None-
full-time to part-time (at       -  Required to cancel Dental, Vision, STD, LTD,    following job       Human Resources action
least 20 hours/week)                Employee Life, AD&D, Spouse/Partner Life and    status change
                                    Child Life (COBRA may be available)
                                 -  Enroll in/cancel/change contribution to
                                    Health Care Spending Account
                                 -  Cancel/decrease Dependent Day Care Spending
                                    Account
-----------------------------------------------------------------------------------------------------------------------------------
Your job status changes from     -  Required to cancel Medical, Dental, Vision,     First of the month  None-
full-time to part-time (less        STD, LTD, Employee Life, Spouse/Partner Life,   following job       Human Resources action
than 20 hours/week)                 Child Life, Health Care and Dependent Day       change status
                                    Care Spending Account (COBRA may be
                                    available)
-----------------------------------------------------------------------------------------------------------------------------------
Important Note: The following changes are permitted ONLY IF they are consistent with and on account of your change in status.
</TABLE>

                                       40
<PAGE>

                    CONTINUING HEALTH CARE COVERAGE ("COBRA")

This is a summary of your rights and obligations under the COBRA continuation
coverage provisions. BOTH YOU AND YOUR SPOUSE, IF ANY, SHOULD TAKE THE TIME TO
READ THIS NOTICE CAREFULLY. Domestic partners and children of domestic partners
are not eligible for COBRA continuation.

COBRA requires that most Officers of WellPoint and its related companies and
their families receive the opportunity for a temporary extension of the health
care coverage, called "continuation coverage," at group rates in certain
instances where coverage under the WellPoint Companies' Group Health Plans
("Health Plans") would end. For this purpose, the term "Health Plans" includes
the WellPoint Companies' medical, dental, vision, employee assistance, and
health care flexible spending account plans, and the term "qualified
beneficiary" is used below to refer to individuals who are eligible to receive
COBRA continuation coverage.

QUALIFYING EVENTS FOR OFFICERS

If you are an Officer of the WellPoint Companies covered by a Health Plan, you
have the right to choose COBRA continuation coverage if you lose your Health
Plan coverage because of the following:

-    A reduction in your hours or employment, or

-    The termination of your employment (for reasons other than gross misconduct
     on your part).

QUALIFIYING EVENTS FOR SPOUSE AND DEPENDENT CHILDREN

If you are the spouse or dependent child of an Officer covered by a Health Plan,
you have the right to choose continuation coverage for yourself if you lose
coverage for ANY of the following reasons:

-    The death of your spouse

-    A termination of your spouse's employment (for reasons other than gross
     misconduct) or reduction in your spouse's hours of employment

-    Divorce or legal separation from your spouse.

-    Your spouse becomes entitled to Medicare

-    You reach the maximum age allowed to be considered a dependent child

-    You are no longer considered a dependent child.

There is no COBRA continuation coverage for domestic partners or their
children.

DEADLINE FOR ELECTION

When the Plan Administrator is notified that one of these qualifying events has
happened, the Administrator will, in turn, notify you that you have the right to
choose continuation coverage. Under COBRA, you have 60 days from the date you
receive the notice or 60 days from the date that you would lose coverage because
of one of the qualifying events described above (if later) to inform the Plan
Administrator that you want continuation coverage. If you do not choose
continuation coverage, your group Health Plan coverage will end.

TYPE OF COVERAGE

If you choose continuation coverage, the Wellpoint Companies are required to
give you coverage which, as of the time coverage is being provided, is identical
to the coverage provided under the Health Plan to similarly situated Officers or
family members.

LENGTH OF COVERAGE

COBRA requires that you be afforded the opportunity to maintain continuation
coverage for 36 months unless you lost Health Plan coverage because of a
termination of employment or reduction in hours. In that case, the required
continuation coverage period is 18 months.

The 18-month period may be extended to 29 months if a qualified beneficiary is
determined by the Social Security Administration to be disabled (for Social

                                       41
<PAGE>
Security disability purposes) at any time during the first 60 days of COBRA
coverage. This 11-month extension is available to all individuals who are
qualified beneficiaries due to a termination or reduction in hours of
employment. To benefit from this extension, a qualified beneficiary must notify
the Plan Administrator of that determination within 60 days and before the end
of the original 18-month period. The affected individual must also notify the
Plan Administrator within 30 days of any final determination that the individual
is no longer disabled.

The 18- or 29-month period may be extended if other qualifying events (for
example, divorce, death or entitlement to Medicare) occur during the period. In
no event will coverage last beyond 36 months from the date of the qualifying
event that originally made you eligible to elect COBRA continuation coverage.

A child who is born to or place for adoption with the covered Officer during a
period of COBRA coverage will be eligible to become a qualified beneficiary if
the Plan Administrator is notified within 31 days of the birth or placement for
adoption.

EARLY TERMINATION OF COVERAGE

COBRA provides that your continuation coverage may be shortened for ANY of the
following five reasons:

-    The WellPoint Companies no longer provide group health coverage to any of
     their associates;

-    The premium for continuation coverage is not paid on time;

-    The qualified beneficiary becomes covered under another group health plan
     that does not contain any exclusion or limitation for any pre-existing
     condition that affects the qualified beneficiary;

-    The qualified beneficiary becomes entitled to Medicare;

-    The qualified beneficiary has already received 18 months of coverage due to
     disability, and there has been a final determination that the qualified
     beneficiary is no longer disabled.

The Plan Administrator reserves the right to terminate your COBRA coverage
retroactively if you are determined to be ineligible for COBRA.

COST OF COVERAGE

You do not have to show that you are insurable to choose continuation coverage.
However, the law provides for payment by the qualified beneficiary of 100%
of the premium for continuation coverage plus an administrative fee. The cost of
continuation will be 102% of the premiums. However, if you are eligible to
extend continuation of coverage for an additional 11 months due to disability,
the cost of continuation for any additional months will be 150% of the
premiums. There is a grace period of 30 days for the regularly scheduled
premium.

CANCELLATION FOR NON-PAYMENT

-    Premiums are due on the last day of the calendar month preceding coverage.

-    Coverage will be cancelled if payment is not received within 30 days of the
     due date.

-    It is the participant's responsibility to make sure premiums are received
     by the due date, allowing sufficient mail time.

-    Once coverage is cancelled for non-payment, it will not be reinstated.

ADDITIONAL INFORMATION

If you have any questions about COBRA, please contact the Associate Service
Center.

                                       42

<PAGE>

IMPORTANT INFORMATION

ACTIVELY AT WORK

If you are not actively at work on a full-time basis on the day your coverage or
an increase in your benefits would otherwise begin, then your coverage or an
increase in benefits will not begin until the date you reutn to active work on a
full-time basis.

If you elect a medical plan offered by WellPoint, coverage will become effective
under the Plan even if you are hospitalized or on medical leave on the effective
date.

THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (HIPAA)

Pre-existing conditions exclusions have been eliminated from the WellPoint
Preferred and Group Medical Plans (for pre-existing conditions on LTD/STD,
please see page 30.) Special enrollment provisions for associates declining
medical coverage have been adopted.

SPECIAL ENROLLMENT RIGHTS

If you are declining enrollment for yourself or your dependents because of other
health insurance coverage, you may be able to enroll yourself or your dependents
in the future in a medical plan offered by WellPoint, provided that you request
enrollment within 30 days after your other coverage ends.

In addition, if you have a new dependent or other person eligible under our
plans as a result of marriage, domestic partnershop, birth, adoption or
placement for adoption, you may be able to enroll yourself and other eligible
persons, provided that you request enrollment within 31 days after the marriage,
birth, adoption or placement for adoption.

NEWBORN'S AND MOTHER'S PROTECTION ACT

The minimum stay for mothers and newborn children is 48 hours following a normal
delivery and 96 hours following a cesarean section. Providers are not required
to obtain authorization from the Plans or the insurance issuer for prescribing a
length of stay within the above periods.

WOMEN'S HEALTH AND CANCER RIGHTS ACT OF 1998

The Women's Health and Cancer Rights Act of 1998 was enacted on October 21, 1998
and requires that all health plans cover post-mastectomy breast surgery if they
provide medical and surgical coverage for mastectomies. If you and/or your
eligible dependents receive these benefits under a WellPoint-sponsored medical
plan, the plan must cover:

- Reconstruction of the breast on which the mastectomy was performed;

- Surgery and reconstruction of the other breast to produce a symmetrical
  appearance;

- Prostheses; and

- Treatment for physical complications of all stages of mastectomy, including
  lymphedemas.

Benefits required under the Women's Health and Cancer Rights Act will be
provided in consultation between the patient and attending physician. These
benefits are subject to the same health plan deductibles, copayments and
coinsurance that apply to any other benefit under the specific plan and cannot
be denied or reduced on the grounds that they are cosmetic in nature or that
they otherwise do not meet the plan's definition of "medically necessary."

If you are enrolled in an HMO offered by WellPoint, please be aware that several
states have enacted similar laws requiring coverage for treatment related to
mastectomies. If the similar law of the state in which your HMO is located is
more generous than the federal law, your benefits will be paid in accordance
with your state's law.

                                       43
<PAGE>

IMPORTANT TELEPHONE NUMBERS
<TABLE>

================================================================================
<S>                                                     <C>
ASSOCIATE SERVICE CENTER                                (877) 342-5272
-----------------------------------------------------------------------------
MEDICAL                                                 (800) 234-0111
-----------------------------------------------------------------------------
     WellPoint Preferred PPO (all states)
-----------------------------------------------------------------------------
     WellPoint Group
-----------------------------------------------------------------------------
HMOS
-----------------------------------------------------------------------------
     CA: Blue Cross HMO                                 (800) 234-0111
-----------------------------------------------------------------------------
     CT: BlueCare Health Plan                           (800) 922-1742 in CT;
                                                        (800) 426-8531 elsewhere
--------------------------------------------------------------------------------
     GA: Blue Choice Healthcare                         (800) 634-6642
--------------------------------------------------------------------------------
     IL: UNICARE HMO (Illinois)                         (800) 234-0111
--------------------------------------------------------------------------------
     MA: HMO Blue                                       (800) 588-5509
--------------------------------------------------------------------------------
     MI: Blue Care Network of S.E. Michigan             (800) 662-6667
--------------------------------------------------------------------------------
     TX: HMO Blue Cross (Dallas/Ft. Worth)              (888) 558-2393
--------------------------------------------------------------------------------
         HMO Blue Texas (Houston)                       (888) 882-2390
--------------------------------------------------------------------------------
     VA: HealthKeepers of Virginia                      (800) 421-1880
--------------------------------------------------------------------------------
DENTAL                                                  (800) 627-0004
--------------------------------------------------------------------------------
     Dental Net
--------------------------------------------------------------------------------
     WellPoint Standard Dental
--------------------------------------------------------------------------------
     WellPoint Enhanced Dental
--------------------------------------------------------------------------------
VISION
--------------------------------------------------------------------------------
     VSP                                                (800) 622-7444
--------------------------------------------------------------------------------
UNIACCOUNT (FLEXIBLE SPENDING ACCOUNTS)                 (888) 209-7976
--------------------------------------------------------------------------------
MEDCALL (ID # 1005)                                     (888) 629-4000
--------------------------------------------------------------------------------
GROUP UNIVERSAL LIFE INSURANCE                          (925) 253-0800
--------------------------------------------------------------------------------
COMPREHENSIVE NONQUALIFIED RETIREMENT PLAN              (805) 557-5801
--------------------------------------------------------------------------------
EMPLOYEE ASSISTANCE AND WORK/LIFE PROGRAM               (888) 777-6665
--------------------------------------------------------------------------------
VANGUARD'S VOICE NETWORK                                (800) 523-1188
--------------------------------------------------------------------------------
EMPLOYEE STOCK PURCHASE PLAN
--------------------------------------------------------------------------------
     AST - Stock Plan Administrator                     (888) 980-6456
--------------------------------------------------------------------------------
     National Discount Brokers                          (888) 302-7764
--------------------------------------------------------------------------------
</TABLE>

                                       44
<PAGE>

IMPORTANT ADDRESSES FOR CLAIMS
<TABLE>

<S>                                        <C>
MEDICAL--PPO                               PHARMACY DRUGS

WellPoint Health Networks Inc.             WellPoint Pharmacy
P.O. Box 4109                              P.O. Box 4165
Woodland Hills, California 91365           Woodland Hills, California 91365-4165
Attn: Associate Claims Unit

                                           SPENDING ACCOUNTS
DENTAL
                                           UniAccount
WellPoint Health Networks Inc.             P.O. Box 4381
P.O. Box 9066                              Woodland Hills, California 91365-4381
Oxnard, California 93031-9066
Attn: Associate Claims Unit
                                           WELLPOINT BENEFITS DEPARTMENT

                                           P.O. Box 5035
VISION                                     Thousand Oaks, California 91359-5035

Vision Service Plan
P.O. Box 997100
Sacramento, California 95899-7100
</TABLE>

                                       45

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