Summary of Employee Health Benefits

1. Summary of Employee Health Benefits Advanced Vision Technology Effective January 1, 2017

2. Health Plan Annual Open Enrollment • Open enrollment every December • Changes can be made to health coverage during open enrollment • Plan year runs from January 1st to December 31st

3. Benefit Resources www.thediamondbenefitgroup.com/AVT-mybenefits User ID: AVTUSA Password: Resources1 Coming Soon! – You will not need a password & a User ID and will only include the dedicated URL for the Advanced Vision Services Benefits Website

4. What Benefits are Offered?

5. Your Flexible Spending Program (Section 125 Plan)

6. Your Supplemental Insurance Options

7. Other Benefits Available to You at No Cost • 24-hour Travel Assistance through Assist America provided by UNUM • Life Planning Financial & Legal Resources through Ceridian Corporation provided by UNUM • Resource Advisor providing personal support for emotional, financial, and legal support provided by Greater GA Life • Discount offers provided by BCBS GA and Vision Service Plan

8. Your Optional Benefits • Voluntary Term Life Insurance through UNUM • Voluntary AD&D Insurance through UNUM • Supplemental Insurance through Colonial Life

9. Benefit Announcement for 2017 • New Medical Plan through BCBGS GA – OAP5 1K/10 4K K • Wellness Rewards/Incentives • No changes to Dental & Vision insurance • No changes to Basic Life/AD&D, Short Term Disability, & Long Term Disability (Paid 100% by company)

10. Benefit Announcement for 2017 • Enhanced definition for Child for Voluntary Term Life/AD&D Eligible to up to age 26 regardless of student or dependent status • Voluntary Term Life Guarantee Issue (GI) through UNUM Special exception made during this enrollment period EE & SP cannot be declined for GI amount for any reason now • Increase Annual Limit to Health FSA

11. Benefit Announcement for 2017 • Medical/Bridge Guarantee Issue through Colonial Life Special exception made during this open enrollment • Critical Illness policy Guarantee Issue through Colonial Life Special exception made during this open enrollment • New Cancer policy through Colonial supplemental insurance Current participants can remain enrolled in Cancer 1000 • No Changes to Accident, Medical/Bridge, & Critical Illness supplemental insurance policies through Colonial

12. Your Bi-Weekly Contributions Effective 1/1/2017 Per Paycheck (bi-weekly) Contributions Medical, Dental, & Vision • Employee Only $ 77.43 • Employee & Spouse $166.32 • Employee & Child(ren) $155.40 • Family $243.19

13. COBRA Rates for Medical/Dental/Vision Effective 1/1/2017 PER MONTH • Employee Only $ 611.35 • Employee & Spouse $1,274.07 • Employee & Child(ren) $1,186.71 • Family $1,858.39

14. Medical Plan – Network Benefits • Calendar Year Deductible Individual - $1,000, maximum 3 per family • Calendar Year Out-of-Pocket Maximum Individual - $4,000, maximum 3 per family • Out-of-pocket maximum includes calendar year deductible, prescription deductible, office visit/specialist copays, ER copays, Urgent care copays, and Prescription copays

15. Network Physician Visits

16. Wellness Incentives • Healthy Lifestyles Online Program Earn up to $150 towards gift cards each year for participation Complete a Well-Being Assessment Online Identify Health Goals & Develop a Well-Being Plan Each adult family member is eligible to participate

17. Nurse One-on-One Support • ConditionCare Program Call (800) 638-4754 for support for these specific conditions Asthma Coronary artery disease (CAD) Diabetes Heart failure Chronic obstructive pulmonary disease (COPD) • Future Moms Program (Mothers-to-be) Call (866) -347-8360 & get personalized support Earn up to $200 in gift cards for participation Prenatal goodies, pregnancy book, & weekly tracking • 24 / 7 NurseLine Call (800) 377-4770 for general health questions or urgent health concerns

18. Emergency Care

19. Prescription Deductible Prescription deductible & prescription copays apply towards the year maximum out-of-pocket but not your calendar year deductible

20. Your Retail Prescription Coverage

21. Your Home Delivery Coverage (90 Day)

22. Cost Containment Features of Your Prescription Coverage

23. BCBS GA RESOURCES

24. BCBS GA SPECIAL OFFERS • American Baby Magazine • Safe Beginnings • SeniorLink • Jenny Craig • Weight Watchers • Lindora Lean for Life • Global Fit • SelfHelp Works • Drugstore.com • ChooseHealthy • National Allergy Supply • HearPo • EyeMed • Premier LASIK • TruVision Family, Home, Fitness, & Health Discounts Vision, Hearing, Dental, Medicine & Treatment Discounts

25. Your Dental Benefits • Calendar Year Deductible $50 ($150 family) • Calendar Year Maximum $1,500 • Dental Coinsurance Preventative 100% Basic 80% Major 50% Orthodontic 50% • Orthodontia Lifetime $1,500 (for dependents up to age 19)

26. Your Dental Benefits

27. Your Vision Benefits • Vision Service Plan – VSP Signature Plan • Exam & Lenses – Once per calendar year • Frames - Every other calendar year

28. Your Vision Benefits • Routine Exam - $10 Copay • Contact Lens Exam – $60 Maximum (Not including Routine Exam Copay) • Prescription Glasses - $30 • Frame Allowance - $130 • Contact Allowance - $130

29. Your Network Vision Benefits • Retinal Screening - $39 preferred pricing • 20% off unlimited pairs prescription glasses & non-prescription sunglasses • 30% off if same day for additional glasses • Discount applies to Non-Covered items Examples of items not covered include coating, laminating, blending, oversize, progressive multifocal, cosmetic, UV protected, & photochromic & tinted lenses (except pink 1 & 2)

30. Special Offers through VSP • Select from Extensive List of Featured Brands & receive ADDITIONAL $20 Allowance for Featured Frames • Examples of Featured Brands include Anne Klein, Calvin Klein, Nike, Nautica, & Valentino • Rebates for contact lens, coupons, & other discounts

31. YOUR COMPANY PROVIDED LIFE INSURANCE BENEFITS • UNUM • Basic Life/AD&D – 1X Salary to $50,000 • Includes Accidental Death & Dismemberment • Includes 100% Accelerated Life Benefit, Education Benefit & Seat Belt/Air Bag Benefit

32. YOUR COMPANY PROVIDED SHORT TERM DISABILITY • Greater Georgia Life • 30 Day Elimination Period • Pays 66 2/3% of Weekly Earnings • Maximum per Week of $1,400

33. YOUR COMPANY PROVIDED LONG TERM DISABILITY • Greater Georgia Life • 180 Day Elimination Period • Pays 60% of Monthly Earnings • Maximum per Month is $9,000

34. Option to Purchase Voluntary Employee Term Life Insurance • Available through UNUM • 1X, 2X, 3X, or 4X Salary (Maximum $500,000) • Rate based on Age as of January 1st (adjusts once per year) • Paid by Employee – After Tax Dollars

35. Option to Purchase Voluntary Term Life Insurance for Spouse & Children • Spouse - 100% of EE amount in $5,000 Increments to $100,000 of Life Coverage • Eligible Children $5,000 or $10,000 Children can be covered until age 26 regardless of student or dependent status • Maximum Benefit for Child until 6 months $1,000

36. Voluntary Term Life Guarantee Issue

37. Option to Purchase Voluntary AD&D Insurance • Available through UNUM • Employee & Spouse 1X, 2X, 3X, or 4X Salary (Maximum $500,000) • Rounded to next $1,000 Increment • Spouse or Children AD&D amount cannot exceed Employee AD&D amount • Children $10,000 (Child 6 Mos. & under $1,000)

38. Option to Purchase Voluntary AD&D Insurance • Cost is $.04 per month per $1,000 • Paid by Employee with After Tax Dollars • The AD&D amount for the Spouse & Children cannot exceed the AD&D amount for the Employee

39. Colonial Life Supplemental Insurance

40. Supplemental Insurance options available to You

41. Supplemental Insurance

42. Colonial Supplemental Insurance Supplemental Policies are Individual Policies Minimal Underwriting Duplication of Colonial Policies Not Permissible Colonial does not Coordinate with your Medical Insurance policy

43. Supplemental Insurance Waiting Period

44. Accident Policy

45. ACCIDENT EXAMPLES OF ELIGIBLE BENEFITS

46. ACCIDENT EXAMPLES OF ELIGIBLE BENEFITSRefer to Outline of Coverage for Complete List

47. $50 Health Screening benefit per year per person after 30 day waiting period Some Examples of Eligible health screening for Accident policy Blood test for Triglycerides Serum Cholesterol Test for HDL/LDL Levels Mammogram Fasting Blood Glucose Test Pap Smear Blood Test for Colon Cancer Stress test on bike/treadmill PSA Review Hospital Confinement (Medical Bridge) Outline of Coverage Accident Health Screening

48. Hospital Income / Medical Bridge Hospital Confinement $1,000 lump sum per admission-option to purchase higher $2,000 Outpatient Surgery $1,000 or $2,000 per covered procedure -maximum $3,000/year • Covers pregnancy (policy must be in force for 10 months) Review Hospital Income / MedicalBridge Outline of Coverage

49. Review Hospital Income/ MedicalBridge Outline of Coverage Hospital Income (Medical Bridge) • $50 wellness per person (2 per family/year) after 30 days • Rates are Age Banded 17-49 50-59 60-64 65-74 • Premiums are paid with Pre-Tax Dollars • Pre-existing limitation generally for 12 months • Guarantee Issue for Employee & Spouse during initial enrollment period

50. MedicalBridge Wellness Benefit OTHER ELIGIBLE TESTS • Blood test for triglycerides • Breast ultrasound • CA 15-3 (blood test for breast cancer) • CA125 (blood test for ovarian cancer) • CEA (blood test for colon cancer) • Flexible sigmoidoscopy • Hemoccult stool analysis • Stress test on bicycle or treadmill • Thermography • ThinPrep pap test • Virtual colonoscopy • Chest x-ray Tests Eligible for Wellness after 30 day waiting period • Colonoscopy • Mammography • Pap Smear • PSA (blood test for prostate cancer) • Serum cholesterol test for HDL & LDL • Fasting blood glucose test