Dear Prospective Investor:

Thank you for your interest in the AFL Stock Plan. On the right you will find PDF versions of the prospectus and related enrollment forms for the AFL Stock Plan. To comply with statutory and regulatory provisions of the federal and state securities laws, Synovus Securities, Inc., is providing these materials to you on behalf of Aflac Incorporated.

The AFL Stock Plan provides a comprehensive package of services designed to make investing in Aflac Incorporated common stock easy, convenient, and affordable. Please carefully review the prospectus for complete details.

Participants in the AFL Stock Plan may purchase and sell shares of Aflac Incorporated common stock through the Plan. Synovus Securities, Inc., will effect any open market purchases or sales in ordinary brokerage transactions at the market prices prevailing at the time of the transactions. Negotiated transactions can be executed at negotiated prices relating to prevailing market prices.

Synovus Securities will receive negotiated brokerage commissions on all such purchases and sales (the sale price to Plan participants will be adjusted to reflect the associated commissions), which commissions will not exceed those customary in such transactions.

Synovus Securities, Inc., is not making any investment recommendation with respect to the common stock of Aflac Incorporated offered through the AFL Stock Plan, nor do we assume any responsibility for the accuracy of the statements made in the materials below, which have been prepared solely by Aflac Incorporated.

Synovus Securities, Inc.

DRIP/ Stock Purchase