2013 Annual Enrollment and Benefit Changes for U.S. Employees

1. 2013 Annual Enrollment and Benefit Changes for U.S. Employees October 5, 2012

2. 2013 Benefits and Annual Enrollment • Over the next 45 minutes… • Our Benefits Philosophy • Benefits Partner Changes • Overview of Benefits for 2013 • Benefit Program Changes • Benefit Plan Basics • Annual Enrollment Process • Retirement Benefits • Additional Questions

3. Our Benefits Philosophy • Our benefits philosophy • Provide a comprehensive package of benefits • Provide a high quality customer service experience • Foster better health care decision-making through plan design • Encourage appropriate benefit choices • Provide plan design and cost that are at market median • Those who use more health care benefits will pay more • Our benefits program is based on caring for your total health, and we are committed to: • Provide benefits that support personal, physical and financial health for you and your family • Offer wellness programs, tools and resources to help enhance your life • Establish customer service and health advocacy as a priority

4. Your Commitment • Your commitment to use what we provide to: • Take care of yourself • Wellness and Incentive program details will be mailed to your home address in November • Make informed benefit choices • 2013 Benefits Enrollment Guide • Medica’s Cost Advisor tool • Make informed personal, physical and financial health decisions • Utilize Medica’s health coach program to get you started

5. Benefit Partner Changes • Medica will replace Aetna as our medical plan administrator • Medica partners with United HealthCare (UHC) to provide networks across the U.S. • Better customer service • Goal of getting you the right answer • Delta Dental will become our new dental plan administrator • Same PPO-type of plan as now, with similar benefits • Larger provider network • Enhanced customer service • OptumHealth Bank is our new HSA provider • Your contributions and the H.B. Fuller contribution will be deposited to your new HSA with OptumHealth beginning January 1. • If you keep your J.P. Morgan Chase HSA you will be responsible for fees associated with that account. • There are several ways to transfer existing balances from J.P. Morgan Chase to OptumHealth Bank. You will receive additional information by mail to your home address.

6. Overview of Benefits for 2013 Medical Plan Design

7. Overview of Benefits for 2013 Prescription Drug Benefits

8. Overview of Benefits for 2013 Premium Rates • Changing medical and dental plan premiums to align rates with the cost of providing coverage for family members * Family includes spouse or domestic partner and child(ren)

9. Benefit Program Changes 2013 Government Mandated Benefit Changes • Women’s health preventive care covered at 100% • W-2 Reporting • Summary of Benefit Coverage (was sent 10/1 with Enrollment materials) • Maximum you can contribute to an HSA in 2013 is increasing to $3,250 for employee and $6,450 for employee plus one or more • If you are age 55 or older, you may contribute an additional $1,000 to your HSA • Maximum you can contribute to a Health Care Flexible Spending Account is decreasing to $2,500 per IRS rules

10. WELCOME TO MEDICA!

11. About Medica • Our market standing • Online • Personal Health Profile • My Health Rewards • Pharmacy • Nurse line • Main Street Medica • Medica has been in business more than 37 years. • Provide health coverage and related services to approximately 1.5 million members • Fastest growing health plan 2001-2011: 80% growth • Medica Health Plan: A Rated* • Lifestyle • Condition Support • Rewards • Transparency • Improved Health *Weiss Rating, Inc. rates health insurers on financial strength and stability

12. LET’S GET STARTED

13. Medica Choice® Passport

14. Medica Choice® Passport Network • National provider network • See any network doctor without a referral • Medica Choice Passport • UnitedHealthcare Choice Plus

15. BENEFITS OVERVIEW

16. Your Summary of BenefitsChoice Passport

17. Benefit Program Changes Medical Plan Administration Adopted many Medica standard practices • No specific age or frequency limits for preventive care, instead, physician recommendations are followed • Immunizations covered at 100% • Value 750 plan: Lab tests covered at 100% in-network • Complex imaging (X-rays, MRI, etc.) covered at 20% coinsurance regardless of where administered (doctor’s office, hospital, lab) • Acupuncture covered for other services at office visit copay with 15 visit annual limit • Orthopedic shoes are covered when a diagnosis of diabetes is present; foot orthotics are covered • No precertification penalties • Obesity treatments not covered out of network, but no frequency limit with in-network Centers of Excellence

18. Benefit Plan Basics Convenience Care – Value 750 Plan • $25 copay for office visits (as opposed to $40) Participating facilities include: • Minute Clinic (CVS Pharmacy) - National • Target Clinic – National • Take Care Health (at select Walgreens) – National • Rcmh Llc – Texas • Little Clinic – Georgia

19. HEALTH SAVINGS ACCOUNT (HSA)

20. Think of it like a medical savings account: An individually owned savings account* used to pay for current and future health care It’s a way to plan, save and pay for health care services income tax free What is an HSA? High deductible plan reduces premium costs Deposit the cost savings into your HSA account Instead of paying all costs towards one traditional plan *Savings and investments managed by OptumHealth Bank

21. Benefit Plan Basics Health Savings Account • You can open a Health Savings Account (HSA) only if you participate in the High Deductible Option • Triple tax advantage • H.B. Fuller contribution • $500 for Employee or $1,000 for Employee plus one or more • You can contribute pre-tax money to your account • Up to $3,250 for employee or $6,450 for employee + one or more • Use for medical expenses (deductibles, coinsurance, etc.), dental and vision expenses – or save to use later in your retirement • Income tax liability plus 20% penalty if used for anything other than eligible medical expenses • HSA funds grow at money market interest rates No “use it or lose it” rule for HSAs

22. You are Eligible if You: • Are covered by a federally qualified high-deductible health plan • Are not covered by other health insurance • Includes a spouse’s medical coverage or medical FSA (if it covers you) • Does not apply to injury insurance, accident, disability, dental care, vision care and long-term care • Have not elected Medicare • Can’t be claimed as a dependent on someone else’s tax return Note: Eligibility is based on your status as an employee (not your spouse or dependents).

23. How You Benefit:

24. Deposit Your Health Care Dollars • Both you and your employer can contribute • Make contributions through payroll deduction or by mailing a deposit to OptumHealth Bank • In 2013, contributions limited to $3,250 for single coverage and $6,450 for family coverage • Special catch-up provision for those over age 55 ($1,000)

25. Grow Your Savings • The money is yours • The account earns interest • Change employers? Take it with you • Use it or save it; balances roll over • If you die, remaining funds go to your beneficiary

26. Investment Options • Once you have $2,000 in your account, you have the opportunity to invest and earn interest • Investments are made in $100 blocks • Variety of fund families – samples below

27. Save on Taxes • Money put into your HSA is income tax-deductible • Money taken out to pay for qualified healthcare expenses is tax-free (www.irs.gov) • Any interest earned is not taxable

28. Pay for Health Care, Now or Later • Use your HSA to pay deductibles, copayments, coinsurances, and other qualified expenses • After you reach the out-of-pocket maximum, the plan pays 100% of covered expenses • After age 65, use the funds for any purpose without penalty (taxes may apply)

29. Methods of Payment • MasterCard® prepaid debit card (used like credit card) • Withdraw cash at ATM to reimburse yourself for out-of-pocket (transaction fees apply) • Free online bill payment (pay doctor, pay yourself) • Checks (available for purchase online in quantities of 25; cost is $10)

30. OptumHealthHSA Debit Card • Convenient access to your HSA funds for medical and pharmacy claims • Account information is available on mymedica.com • Can be used only up to the value of funds currently in your HSA • Your Debit Card and Pin number are mailed separately in plan white envelopes

31. HSA Claims Process

32. 2013 Cost Comparison Example

33. MOVING YOUR HSA FUNDS TO OPTUM HEALTH BANK

34. MEMBER ID CARD

35. Member ID Card - Medica Choice® Passport Your name and covered dependents Your copayment amounts Important phone numbers Secure ID number Show your Medica ID card at Doctor & Pharmacy after January 1, 2013 Your individual identification number Your employer’s identification number

36. PRESCRIPTION DETAILS

37. Reviewing Your Pharmacy Benefits Find out if your medications are covered:

38. Mail Order Prescriptions Save time & money! • Rx delivered to your home • Up to three-month supply (ask your doctor if a 93-day prescription is appropriate)

39. Choice90Rx Retail Pharmacy Program Convenient, saves time • Up to 3-month supply • You pay 3 copays for a 3-month supply • Ask your doctor if a 93-day Rx is appropriate • You choose how to order • From participating retail pharmacies • Online ordering is available from many pharmacies

40. Specialty Pharmacy Program Specialty medications: Defined as self-injectable, oral, high-tech or high cost For treatment of diseases requiring complex therapies May require special handling Most often prescribed by specialists Specialty drug vendors: Walgreens Specialty Pharmacy Fairview Specialty Pharmacy

41. HEALTH AND WELLNESS

42. Health & Wellness Coaching • High blood pressure • Diabetes • Cholesterol • Low back pain • Obesity • Diet & exercise • Depression • Stress • Anxiety Topics limited only by the goals you establish! • Call866.905.7430to get started Health & Wellness It’s like a coach without the whistle One-to-one or group support for chronic conditions, physical challenges and mental issues, such as:

43. Tobacco Cessation Program Enroll in the program to receive: Up to five sessions with a quit-coach A personalized quit plan and self-help materials Information about medications that can help you quit Free 8-week supply of nicotine replacement therapy (gum, patches, lozenges), if medically appropriate Online tools and support 24/7 • Call1.800.934.4824when you are ready to quit Health & Wellness

44. Healthy Pregnancy Program Get off to a good start Medica’s Healthy Pregnancy program can help you: Take care of yourself during pregnancy Adjust during your baby’s first six weeks of life Learn more about the text4baby program text4baby.org • Call1.888.992.3875to sign up Health & Wellness

45. 24-Hour Nurse Line Your nurse is one call away • Call1.800.962.9497to access a registered nurse • Chat live with a nurse online at mymedica.com Health & Wellness • Immediate support for your health concerns • Help in making decisions about your health • Available 24-7

46. Employee Assistance Program (EAP) • Call1.800.626.7944 • Tailored support when you need it – free and easy Help with life’s hurdles • Start with one easy call to the Medica EAP (available 24/7) • Whatever your concern: • Find a new day care for your child • Manage credit card debt • Research addiction support options • Look for a family counselor • Deal with grief

47. Medica is There to Help Medica’s Open Enrollment Website for H.B. Fuller http://enroll.medica.com/hbfuller Medica Customer Service Monday - Friday, 8 a.m. - 6 p.m. Central Time (Closed Wednesdays, 8 a.m. - 9 a.m.) E-mail Medica by visiting medica.com/contactmedica Call Medica at: 952-945-8000 or 1-800-952-3455 TTY for hearing impaired: 952-992-3190 or 1-800-841-6753 Customer Service

48. Helpful Resources found onhttp://enroll.medica.com/hbfuller

49. DO THE MATH Resources to help you compare plan offerings

50. Coverage Advisor • Helps you consider the financial impact of your plan • Takes about 10 minutes to complete • Provides cost estimates based on info you submit • Offers a plan-comparison tool