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Benefits Options for 2012 Benefits Enrollment for 2012

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Benefits Enrollment Welcome to your benefits enrollment 2012. GES, like many employers, has experienced an increase in healthcare costs over the past year. Our challenge is to provide a good quality health plan for our employees and their families at a reasonable cost. GES with the help of our broker, USI, have worked together to find a solution to provide our employees with a new medical plan through our existing carrier, United Healthcare. There will be a few minor benefit changes. The Vision, Dental, Life and Disability benefits will not change. We are introducing an exciting new benefit, a medical expense and dependent care Flexible Spending Account, that will allow you to pay for your healthcare and dependent care expenses on a pre-tax basis. Something Different – a new enrollment process! This year we’ve made things easier for you! If you are currently enrolled in a medical plan option we will automatically enroll you into the new UHC Medical POS Plan with the same level of dependent coverage effective 3/1/12. The same goes for Vision and Dental. You only need to notify us if you wish to add, delete or change dependent coverage, or wish to waive your existing coverage. You will still need to enroll in the Short Term Disability, Supplement Life and new TASC Flexible Spending Account. Even if you wish to make no changes to your benefits you will still need to log onto the ADP Portal to verify your coverage.

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Important Changes to Your Benefits Plans Medical - Effective 3/1/12 The existing UnitedHealthcare HMO and POS Plans will no longer be offered. They are being replaced by a new UnitedHealthcare POS Plus plan. In Network Plan changes include new Co-pays Physician: $15 co-pay for Primary Care/ $30 co-pay for Specialists Hospital: $0 co-pay for in-patient services, $150 co-pay for Emergency Room, $50 co-pay for Urgent Care Centers. Out-Of-Network changes include: $500 individual/$1500 Family deductible $5000 individual/ $15,000 Family Out-Of-Pocket Limit Pharmacy: Tier 1: $10, Tier 2: $35, Tier 3: $70 For Mail Order : Tier 1: $25, Tier 2: $87.50, Tier 3:$175 Check what Tier your drug is in by going to www.myuhc.com or call the Member Services number on your ID Card. New! TASC FlexSystem Spending Account-enroll now and help pay for eligible expenses on a pre-tax basis and save money!

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Medical Insurance Overview UnitedHealthcare Choice Plus Traditional Plan With the POS Choice Plus Plan, you may choose to see any physician or healthcare professional, including specialists without a referral. You receive the highest level of benefits when you choose participating providers for services. However, you may receive care from non-participating providers and still receive benefits although you’ll be subject to a deductible, co-pay and out of pocket if you do so. In addition, the non-participating provider may balance bill you for costs that are not covered by UnitedHealthcare . Preventative services are covered at 100%, no deductible and no copayment for services such as; Annual physicals for adults and children, including well women GYN annual exams, mammograms and pap smears. Lab and x-rays provided in conjunction with preventative testing Scopic procedures such as routine colonoscopy and sigmoidoscopy and prostate cancer screening. Log onto the UHC website www.uhcpreventivecare.com to assist you in determining what would be considered a covered preventive service for your age and gender.

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Medical Insurance Plan Highlights United HealthCare Choice Plus POS Plan Benefit In-Network Out of Network Annual Deductible $0 $500/Individual $1.500/Family Coinsurance 100% 80% Out of Pocket Maximum None $5,000/Individual $15,000/Family Overall Lifetime Maximum Unlimited Unlimited Office Visit $ 15 80% after Deductible Office Visit - Specialist $30 80% after Deductible Preventive Care Service 100%, No Co-Pay 80% after Deductible Hospital Admission 100% 80% after Deductible Emergency Room $ 150 Co-Pay $ 150 Co-Pay Urgent Care $50/visit 80% after Deductible Outpatient Surgery 100% 80% after Deductible Rehab—Outpatient Therapy (See Certificate of Coverage for maximum # of visits) $ 15/visit 80% after Deductible Durable Medical Equipment/Prosthetics 100% $ 2,500 Benefit Maximum 80 % after Deductible $ 2,500 Benefit Maximum Retail Prescription- purchases at non-network Pharmacies may result in balance billing Retail Pharmacy: $10 /$35/$70 Home Delivery Pharmacy: $25 /$87.50/$175

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Prescription Drug Overview UnitedHealthcare Pharmacy Benefits More than 56,000 participating pharmacies nationwide to choose from. Choose the convenient mail order drug feature to fill maintenance medications and receive them at your home. You save money when you use this feature by getting a 90 day supply of medications for less than you’d pay at retail. Covered drugs are assigned to one of three Tiers with corresponding specific co-pay levels. To determine what tier level your drug is in you may contact the member services unit by calling the 800 number listed on your ID Card, or log onto the website at www.myuhc.com Prescription Co-pays Retail Pharmacy Up to 31 day Supply Home Delivery Pharmacy Up to 90 day Supply Tier1 $10 $25 Tier2 $35 $87.50 Tier3 $70 $175

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Medical & RX Plan Highlights BI-WEEKLY PAYROLL DEDUCTIONS Employee Cost GES Cost Single $0 $182.52 Employee + Child(ren) $82.13 $264.64 Employee + Spouse $100.38 $612.94 Family $182.51 $790.89

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You save money when you put aside payroll deduction on pre-tax basis to help pay for expenses such as: Prescription Drugs Medical, Dental office visit co-pays and deductibles Eye exams and prescription glasses and lenses Daycare tuition By using pre-tax dollars you lower your taxable salary saving federal, state and FICA taxes and increase your take-home pay. Here’s a sample of how this works: New Benefit! TASC FlexSystem Spending Account (FSA) Pre-Tax Saving Example Without FSA With FSA Gross Monthly Pay: $3,500 $3,500 Pre-Tax Contributions Medical/Dental Premiums $0 -$125 Medical Expenses $0 -$75 Dependent Care Expenses $0 -$400 Total: $0 -$600 Taxable Monthly Income $3,500 $2,900 Taxes (federal, state, FICA) -$968 -$802 Out-of-pocket Expenses: -$600 $0 Monthly Take-home Pay: $1,932 $2,098 Net Increase in Take-Home Pay = $166/mo! For illustration only. Actual dollar amounts may vary.

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To Enroll: You choose the dollar amount that you want to contribute to each account Healthcare or Dependent Care-or both! Plan Contribution Maximums Healthcare: up to $2500 annually Dependent Care: Up to $2500 if married filing separately or up to $5000 if married and filing jointly Your contributions will be deducted from your pay in equal amounts from each paycheck, Pre-tax, throughout the plan year. Choose an amount based on your estimated expenses for the plan year starting 3/1/12 – 2/28/13. Use the handy online TASC tax-savings calculator to help determine how much to contribute When you enroll you will receive the TASC Card that you can use for direct access to your FlexSystem accounts How the TASC Flexsystem Works

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Flexible Spending Accounts Rules: Governed by the IRS- only qualified eligible expenses can be reimbursed. A complete list of eligible and non-eligible expenses can be found in IRS Publication 502, www.irs.gov Employees must retain receipts for all purchases and provide them for verification if needed. FSA funds do not rollover – any unused funds left in your FSA accounts at the close of the Plan year are not refundable to you so choose your contribution level wisely. You will have a grace period of 30 days following the close of the plan year to incur and submit expenses towards any balance left in your FSA account and another 90 days to submit expenses manually for the past plan year. Any funds left in your account after that will be forfeited. You may change your elections during the plan year if you experience a life change such as: A marriage or divorce Birth or adoption of a child A change in employment status

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FLexSystem offers multiple ways to access your account: MyTASC Online: www.tasconline.com/mytasc MyTASC Mobile App : free download at www.tasconline.com/mobile MyTASC Text Messaging: elect through you MyTASC account online. Use your TASC Card to pay for eligible services at the point of purchase and eliminate the need to pay first and then file for reimbursement. Set Up a MyCash Account and auto-deposit your reimbursements into a separate cash account that you can access with your TASC Card for any purchase. TASC FlexSystem – It’s convenient!

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Vision UnitedHealthcare Vision UHC Vision Employee Bi-Weekly Payroll Deductions Single $4.19 Employee + Child( ren ) $8.59 Employee + Spouse $8.17 Family $11.95 Copays Exam $10 Materials $25 Frequency Exam 12 months Lenses 12 months Frames 24 months

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Dental Guardian Dental Benefit In-Network Out of Network Annual Deductible $0 $50 Annual Benefit Maximum Per person $1,500 $1,500 Preventive—Group 1 Exams, cleanings, x-rays, sealants 100% 100% of R&C Fee Basic Restorative—Group II Fillings, extractions, oral surgery 80% 80% of R&C Fee Major Restorative—Group III Bridges, dentures, crowns, inlays, onlays 50% 50% of R&C Fee Orthodontic Services—Group IV Dependent Children only to age 19 50% $1,000 Lifetime Maximum 50% of R&C Fee $1,000 Lifetime Maximum Guardian Dental Employee Bi-Weekly Payroll Deduction Single $7.97 Employee + Child( ren ) $25.35 Employee + Spouse $17.80 Family $35.63

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Life, AD&D & Disability Life & Accident Insurance Company Paid Employee Basic Life and AD&D Insurance · Life Benefit: 1.5 X Salary to a maximum of $150,000 · AD&D Benefit: Equals Life Benefit · Reduction Schedule: reduces by 35% at age 65; 60% at age 70; 75% at age 75; and terminates at end of employment or retirement, whichever occurs first Voluntary Supplemental Life and AD&D Insurance · Premiums paid by the employee · Life Benefit: Increments of $10,000 to a maximum the lesser of $500,000 or 5 X Annual Earnings · Approval: Proof of good health required for amounts over $150,000 · AD&D Benefit: Equals Life Benefit · Reduction Schedule: reduces by 35% at age 65; 60% at age 70; 75% at age 75; and terminates at end of employment or retirement, whichever occurs first Voluntary Dependent Supplemental Life Insurance · Premiums paid by the employee · Spouse Benefit: Increments of $5,000 to a maximum of $150,000, not to exceed 100% of employee amount · Approval: Proof of good health required for amounts over $25,000 · Child Benefit: increments of $2,000 to a maximum of $ 10,000

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Life, AD&D & Disability Disability Insurance Disability insurance can help protect your most valuable asset—your ability to earn income. Two disability plans are offered: Short Term Disability and Long Term Disability. Short Term Disability Short Term Disability provides protection against loss of income for up to 12 weeks in the event of a non-job related illness or injury. · Premiums paid by the employee · Benefit Amount: 60% of weekly earnings to a weekly maximum of $1,000 · Benefit Duration: starts on 8th day of disability for up to 12 weeks Long Term Disability The Long Term Disability plan provides protection against loss of income if you are out of work for an extended time due to an illness or injury. · Premiums paid by Global Energy · Benefit Amount: 60% of monthly earnings, to a monthly maximum of $10,000 · Benefit Duration: 91st day of disability to end of disability or Normal Retirement Age.

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Employee Assistance Programs Care24 from United Healthcare offers a wide range of health and well-being information seven days a week 24 hours a day. Using one toll free number you can speak with registered nurses and master’s-level counselors who can help you with almost any problem ranging from medical and family matters to financial and emotional needs. You may contact Care24 by dialing 888-887-4114 Life’s Solutions EAP is committed to providing you with the necessary tools and educational information that will help you manage life's daily stressors and maintain an overall wellbeing with complete confidentiality. Their assessment and referral services are available for a broad array of issues. Life’s Solutions EAP Care Center operates Monday through Friday from 8:30 AM - 9:00 PM EST, and provides around the clock and year round access to licensed Master’s and Doctorate level clinical staff simply by calling our toll free number at 800-756-5792

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Eligibility Eligibility Requirements You are eligible to participate in the Benefits Program if you are an active, full-time employee working at least 40 hours or more per week. Benefits will begin on the 1st of the month after 1 month of employment. Eligible Dependents include: · A spouse to whom you are legally married · A dependent child under age 26 · same sex and opposite sex Domestic Partners note :  documentation will be required in order to add an eligible dependent to your coverage. Life Event/Election Changes Your benefit elections will be binding for the Plan Year. However, you may modify your benefit choices if you experience life events such as: · Birth or Adoption · Marriage or Divorce · Death of a dependent · Involuntary loss of other health coverage · Gain of health coverage for spouse Please note: A benefit change must be consistent with the life event. You must contact Human Resources within 30 days of the qualifying life event . Pre-tax Payroll Deductions Certain benefits described in this guide may be purchased with pre-tax payroll deductions as permitted by Section 125 of the Internal Revenue Code. When you purchase with pre-tax dollars, you reduce your taxable income, so fewer taxes are taken out of your paycheck. You can actually have more spendable income than if the same deductions were taken on an after-tax basis. .

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Remember Open Enrollment Begins 2/3 and Ends 2/09/12 Your verification of coverage , and any elections, changes or waivers must be entered into the ADP portal no later than the end of the business day , 2/09/12. Automatic Enrollment for Certain Benefits You will be automatically enrolled in the new UHC POS Plan with your existing dependent coverage. If you want to make changes to your current level of dependent coverage such as adding a new dependent or deleting coverage for an existing one or you want to waive coverage, you will need to make that change on the ADP Portal. If you are currently enrolled in UHC Vision and/or Guardian Dental, you will also be automatically enrolled in these coverages for yourself and at the current level of dependent coverage. If you want to make changes to your current level of dependent coverage such as adding a new dependent or deleting coverage for an existing one or you want to waive coverage, you will need to make that change on the ADP Portal. Certain Benefits Require Enrollment If you want to enroll in Short Term Disability or Voluntary Life and AD&D for yourself or your dependents, you will need to enroll on the ADP Portal. Likewise you will need enroll on the ADP Portal if you wish to enroll in the TASC FlexSystem Flexible Spending Accounts. Remember to choose your pre-tax payroll deductions wisely as your funds will not roll over year to year. You must use the monies in your account by the final end of the plan year or forfeit any amount left in your account. REMEMBER- even if you wish to make no change to your benefits you must still log onto the ADP Portal to verify your coverage. QUESTIONS????????????? CONTACT HUMAN RESOURCES FOR ANSWERS.