January 18, 2006

Vanguard Offers Free Online Financial Planning Advice

LONG GROVE, ILL. – January 18,, 2006 – All participants in the Kemper 401(k) Plan have access to the Vanguard Online Advisor, powered by Financial Engines. This service is available to all plan participants at no cost. The cost/asset balance limit, mentioned on the Vanguard web site, does not apply to Kemper 401(k) participants.

Financial Engines can help you determine if you are on course to meet your financial goals and what changes, if any, may be recommended. We encourage you to review this financial planning tool.

You can access the Vanguard Online Advisor at www.vanguard.com then click on the Accounts Types and Services tab followed by the Advice tab, or click on the link below.

http://flagship5.vanguard.com/VGApp/hnw/content/AccountServ/Advice/ATSAdviceOVContent.jsp?gh_sec=n