NOTICE OF GRANT OF TIME BASED RESTRICTED STOCK AND RESTRICTED STOCK AWARD AGREEMENTAFLAC INCORPORATEDID: 58-1167100Worldwide Headquarters1932 Wynnton RoadColumbus, Georgia 31999 nameAward Number:NumberAddress1Plan:PlanAddress2Address3

Effective «Date», you have been granted an award of «Shares» shares of Aflac Incorporated (the Company) common stock. The current total value of the Award at the date of issue was «Value».

These award shares are restricted until the date shown below.

Shares                     Full Vest

«Shares»                 «Vestdate»            

These shares of restricted stock will be held in book entry form in the custody of the Company until the restrictions thereon have lapsed. Subject to the restrictions set forth in the Plan and the Restricted Stock Award Agreement relating to this award, you shall possess all incidents of ownership with respect to the Shares, including the right to receive dividends with respect to such Shares and to vote such Shares. In accordance with sections 4(a) and 8(e) of the Plan, any dividend paid on the award shares will be issued in Company common stock and held as additional restricted shares in the book entry account subject to the same terms and conditions attributable to the original grant until such time as all restrictions have lapsed on the shares with respect to which the dividends were paid.

By your signature and the Company's signature below, you and the Company agree that this award is granted under and governed by the terms and conditions of the Company's 2004 Long-Term Incentive Plan and the Restricted Stock Award Agreement relating to this award, which is attached to and made a part of this document.