Code of Ethics, Conduct and other Governance Guidelines
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Non-management directors of IHC meet in regular executive sessions without management
participation. Mr. Allan C. Kirkman, a non-management director, currently is the presiding
director in these sessions.
Stockholders who wish to communicate with non-management directors or the presiding director
may do so by writing to Independence Holding Company, Attn: Non-management Directors, Board of
Directors, 96 Cummings Point Road, Stamford, Connecticut 06902.