Employee Benefits 2003 - 2004 Plan Year

1. Strategic Forecasting, Inc. Employee Benefits 2003 - 2004 Plan Year Gallagher Romine

2. Table of Contents • Gallagher Romine Contact Information 1 • Benefits and Customer Service Information 2 • Open Enrollment 3 • Notice Regarding the Women’s Health & Cancer Act 4 • HMO Terms & Conditions 5 • HMO Benefits 6 - 7 • HMO Prescription Drug Incentive 8 • PPO Terms & Conditions 9 • PPO Benefits 10 - 11 • PPO Prescription Drug Incentive 12 • Myths & Facts about Generic Drugs 13 • Dental Benefits 14 • Vision Benefits 15 • Group Term Life & AD&D Benefits 16 • Long Term Disability Benefits 17

3. Benefit SpecialistGallagher Romine:Contact Information The Insurance Company Gallagher Romine: We’re Here to Help! Gallagher Romine is here to act as a liaison in your dealings with insurance carriers. If you are having problems getting claims paid or have questions regarding your coverage, let us deal with the insurance company for you! Please contact anyone at Gallagher Romine with questions regarding your employee benefits package. • Account Manager: Valerie Seymour • Claims Representatives: Jeanne Holy Nikki Lamberty Cheri Dillard Lydia Lara Phone: (512) 499-8005 / (800) 492-8005 Fax: (512) 499-0412 E-mail: valerie_seymour@ajg.com jeanne_holy@ajg.com nikki_lamberty@ajg.com cheri_dillard@ajg.com lydia_lara@ajg.com Gallagher Romine YOU! Page 1

4. Benefits & Customer Service Information The following benefits are offered through Blue Cross Blue Shield: • Medical Insurance HMO Group #: 08807N PPO Group #: 08807 Customer Service: 800-521-2227 www.bcbstx.com The following benefits are offered through Jefferson Pilot (formerly Guarantee Life): • Dental Insurance Group #: 01-D005425 Customer Service: 800-523-2144 www.jpfinancial.com The following benefits are offered through VSP: • Vision Insurance Group #: 12182159 Customer Service: 800-216-6248 www.vsp.com The following benefits are offered through Hartford: • Life Insurance Group #: GLT-707173 • Long Term Disability Insurance Customer Service: 800-523-2233 www.hartfordlife.com Page 2

5. Open Enrollment Page 3

6. Notice Regarding the Women’s Health & Cancer Rights Act of 1998 Under federal law, group health plans and health insurance issuers providing benefits for a mastectomy must also provide, in connection with the mastectomy for which the participant or beneficiary is receiving benefits, coverage for: • reconstruction of the breast on which the mastectomy has been performed; • surgery and reconstruction of the other breast to produce a symmetrical appearance; and • prostheses and physical complications of mastectomy, including lymphedemas; These benefits must be provided in a manner determined in consultation between the attending physician and the patient. These benefits may be subject to annual deductibles and coinsurance provisions that are appropriate and consistent with other benefits under your plan or coverage. This summary of benefits is intended only to highlight your benefits and should not be relied upon to fully determine coverage. Please refer to your Certificate of Coverage for a complete listing of services, limitations and exclusions. The Certificate of Coverage prevails in the event of discrepancies. Page 4

7. HMO Terms and Conditions This summary of benefits is intended only to highlight your benefits and should not be relied upon to fully determine coverage. Please refer to your Summary of Benefits for a complete listing of services, limitations and exclusions. The Summary of Benefits prevails in the event of discrepancies. Page 5

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10. Blue Cross Blue Shield - HMO Generic Prescription Drug Incentive The “generic incentive” program requires plan participants and their doctors to choose a generic equivalent (when available) over a brand name drug. If a plan participant chooses to purchase a brand name drug when there is a generic equivalent available, they will be charged the co-pay for the generic drug plus the cost difference between the brand and generic drug. Please note that this program will apply even if the prescribing doctor writes the prescription “dispense as written”. Page 8

11. PPO Terms and Conditions Note: Pre-Existing Condition Limitations do not apply to current Strategic Forecasting employees who have been enrolled on the health plan for 12 months. Pre-Existing Condition Limitations: Conditions treated or diagnosed 6 months prior to your hire date will not be covered for 12 months unless you have maintained continuous coverage for the past 12 months with no more than a 63-day gap in coverage. You should receive a HIPAA certificate at termination from your current carrier to provide proof of coverage. It is important that you keep this certificate and/or complete this section on the new carrier’s application to avoid future claims being denied. Benefit Payments: For benefits received in the Network, you are responsible only for your copayment or deductible amount and coinsurance. Your provider will file the claim. Benefits for Non-Network visits are payable on a reimbursement basis only. You can be subject to additional charges over the reasonable and customary allowed amount. Copayment: Copayments for Office visits and Prescription drugs do not count toward the deductible or out-of-pocket maximum. Dependent Age Limitation: Your dependent children are eligible for coverage on your medical plan until the age of twenty-five. This summary of benefits is intended only to highlight your benefits and should not be relied upon to fully determine coverage. Please refer to your Summary of Benefits for a complete listing of services, limitations and exclusions. The Summary of Benefits prevails in the event of discrepancies. Page 9

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14. Blue Cross Blue Shield - PPO Generic Prescription Drug Incentive The “generic incentive” program requires plan participants and their doctors to choose a generic equivalent (when available) over a brand name drug. If a plan participant chooses to purchase a brand name drug when there is a generic equivalent available, they will be charged the co-pay for the brand name drug plus the cost difference between the brand and generic drug. Please note that this program will apply even if the prescribing doctor writes the prescription “dispense as written”. Page 12

15. Myth: Generics take longer to act in the body. Fact: The firm seeking to sell a generic drug must show that its drug delivers the same amount of active ingredient in the same timeframe as the original product. Myth: Generics are not as potent as brand-name drugs. Fact:: The FDA requires generics to have the same quality, strength, purity and stability as brand-name drugs. Myth: Generics are not as safe as brand-name drugs. Fact: The FDA requires that all drugs be safe and effective and that their benefits outweigh their risks. Since generics use the same active ingredients and are shown to work the same way in the body, they have the same risk-benefit profile as their brand-name counterparts. Myth: Brand-name drugs are made in modern manufacturing facilities, and generics are often made in sub-standard facilities. Fact: The FDA won’t permit drugs to be made in substandard facilities. It conducts about 3,500 inspections a year in all firms to ensure standards are met. Generic firms have facilities comparable to those of brand-name firms. In fact, brand-name firms account for an estimated 50% of generic drug production. They frequently make copies of their own or other brand-name drugs but sell them without the brand name. Myth: Generic drugs are likely to cause more side effects. Fact: There is no evidence of this. The FDA monitors reports of adverse drug reactions and has found no difference between generic and brand-name drugs. Myths and Facts about Generic Drugs FDA Requirements for Brand-Name and Generic Drugs • For reformulations of a brand-name drug or generic versions of a drug, • FDA reviews data showing the drug is bioequivalent to the one used in the original safety and efficacy testing. • FDA evaluates the manufacturer’s adherence to good manufacturing practices before the drug is marketed. • FDA reviews the active and inactive ingredients used in the formulation before the drug is marketed. • FDA reviews the actual drug product. • FDA reviews the drug’s labeling. • Manufacturer must seek FDA approval before making major manufacturing changes or reformulating the drug. • Manufacturer must report adverse reactions and serious adverse health effects. • FDA periodically inspects manufacturing plants. • FDA monitors drug quality after approval. Page 13

16. Dental Benefits • Deductible: $50 (3 per family) • Preventive Care: 100% (deductible waived) Diagnostic X-rays CLeanings and Examinations (limited to 2 per Cal. Year) Fluoride Treatment (up to age 19; limit 1 per Cal. year) Space Maintainers • Basic Care: 80% after deductible Emergency Treatment Fillings Dental Sealants (up to age 17) Non-Surgical Extractions Oral Surgery Endodontic Services Periodontic Services • Major Care: 50% after deductible Prosthodontic Services Restorative Services • Calendar Year Maximum: $1,500 • Orthodontia: 50% (deductible waived) (children under age 19) • Orthodontia Lifetime Maximum: $1,500 This summary of benefits is intended only to highlight your benefits and should not be relied upon to fully determine coverage. Please refer to your Certificate of Coverage for a complete listing of services, limitations and exclusions. The Certificate of Coverage prevails in the event of discrepancies. Page 14

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18. Group Term Life and AD&D Benefits Benefit: 1 x Annual Salary Benefit Maximum: $250,000 Guarantee Issue Amount: $150,000 Age Reductions: 35% at age 65 35% at age 70 35% at age 75 25% at age 80 25% at age 85 Age Reductions - the life benefit will be reduced by the respective percentage amounts shown above once an individual has attained age 65, 70, 75,80 and again at 85. Accidental Death & Dismemberment: 1x Annual Salary This summary of benefits is intended only to highlight your benefits and should not be relied upon to fully determine coverage. Please refer to your Summary of Benefits for a complete listing of services, limitations and exclusions. The Summary of Benefits prevails in the event of discrepancies. Page 16

19. Long Term Disability Insurance Monthly Benefit: 60% of income Maximum Monthly Benefit: $10,000 Elimination Period: 90 days Maximum Benefit Duration: Social Security Normal Retirement Age Own Occupation: 24 months Mental / Nervous Limitation: 24 months Substance Abuse Limitation: 24 months Benefits Integration: Full Family Direct Pre-existing Conditions: 3/3/12 This summary of benefits is intended only to highlight your benefits and should not be relied upon to fully determine coverage. Please refer to your Summary of Benefits for a complete listing of services, limitations and exclusions. The Summary of Benefits prevails in the event of discrepancies. Page 17