2019 USA Benefits Open Enrollment

2019 USA BENEFITS OPEN ENROLLMENT When is Benefits Open Enrollment? Key Information For 2019 Open Enrollment 2019 Medical Plans 2019 Dental and Vision Plans 2019 Health Savings Accounts (HSA) and Flexible Spending Accounts (FSAs) Other Benefit Plans Paid by Genesys Other Voluntary Benefits to Consider How to Enroll/Make Changes for 2019 Questions

WhEN is BENEFITS 2019 open enrollment? Benefits 2019 Open Enrollment is November 12th through November 30th for coverage beginning 1/1/2019 Our annual Benefits Open Enrollment period is your opportunity to: Make changes to your medical, dental, vision and voluntary benefits for the 2019 plan year Add or remove eligible/covered dependents Contribute to Flexible Spending Accounts (FSAs) and/or Health Savings Accounts (HSA) You must re-enroll! Enroll in or drop Legal Plan coverage, AFLAC Hospital and/or Critical Illness coverage, MetLife pet, auto or home insurance Review and update beneficiary information What do employees need to do during 2019 OE? If you plan to participate in a Health Savings Account (HSA) or Flexible Spending Account (FSA), you must enroll and make your contribution election for 2019 during OE; 2018 elections do NOT carry over to 2019 If you do not complete the online enrollment, your 2018 elections for all other benefits will remain in effect for 2019

KEY INFORMATION FOR 2019 OPEN ENROLLMENT Same Options…Same Cost All current benefit vendors and benefit plans remain the same in 2019 No increases to current medical, dental, vision and legal plan premiums; Genesys is covering all medical increases in 2019! (Note: employees who change salary tiers will see their medical premiums move to the new medical premium tier) Employees who have voluntary life and AD&D insurance may have increased premiums due to moving to new age band/rates and April 1st salary increase Enrollment: BenefitsNow Enrollment Site Online enrollment required for 2019 HSA and FSA contributions; 2018 elections do NOT carryover into 2019 If you do nothing or do not finalize your 2019 open enrollment, all other 2018 benefit elections will rollover into 2019 Access through www.mygenesysbenefits.com or directly at https://genesys.benefitsnow.com Medical: Four UnitedHealthcare (UHC) Medical Plans California employees will continue to have Kaiser HMO as a fifth option Dental: 2 dental plans offered by Anthem Vision: 2 vision plans offered by VSP

KEY INFORMATION FOR 2019 OPEN ENROLLMENT (continued) Health Savings Account (HSA): Your 2018 election will end on December 31, 2018 If you want to participate in 2019, you must enroll in the Health Savings Account (HSA) If you elect an HDHP medical plan, Genesys will contribute to your account based on your coverage tier Employees must open an HSA account with WageWorks in order to receive Genesys and employee contributions (if you do not currently have an HSA account) $750 for employee only coverage (contributed at $187.50 @ beginning of each quarter) $1,500 for all other coverage levels (contributed at $375 @ beginning of each quarter) IRS annual limits increased to $3,500 (employee only coverage) and $7,000 (employee + dependents coverage); these amounts include Genesys contributions, so budget accordingly Flexible Spending Accounts (FSAs) If you want to participate in 2019, you must enroll in the Health Care FSA and/or a Dependent Care FSA Health Care FSA is available only to employees enrolled in the UHC PPO, Kaiser HMO or who have declined medical coverage through Genesys Administered through WageWorks – you must set up an account at www.wageworks.com if you don’t already have one Limited Purpose Flexible Spending Account (FSA) If you want to participate in 2019, you must enroll in the Limited Purpose FSA Available ONLY to employees enrolled in a United Health Care HDHP Medical Plan Money contributed to this FSA can only be used for dental and vision expenses (you can use your HSA for medical expenses)

2019 Medical plans Genesys offers three United Health Care (UHC) HDHP medical plans and one United Health Care (UHC) PPO medical plan. Kaiser HMO is available as a fifth option in California only. Visit www.mygenesysbenefits.com for all the details Plans available to all U.S. Employees UHC HDHP Plan 1 UHC HDHP Plan 2 UHC HDHP Plan 3 UHC PPO Plan Regional Plan Kaiser HMO for California employees only You may also elect to opt out of Genesys medical coverage. Please note that the federal government requires you to have appropriate medical coverage. Penalties apply if you don’t.

2019 Medical plans – the HDHP Plans Among the most important differences between the UHC HDHP Plans are the deductible amounts and how the family deductible works – aggregate vs. embedded family deductible. The Genesys HSA funding is the same for all three plans. 2019 UnitedHealthcare (UHC) HDHP Options   HDHP PLAN 1 HDHP PLAN 2 HDHP PLAN 3 IN-NETWORK OUT- OF NETWORK* OUT- OF-NETWORK* OUT-OF-NETWORK* Deductible $2,000 individual / $2,700 family $4,000 family $2,700 individual / $1,500 individual / $3,000 individual / $6,000 family Type of Family Deductible Aggregate Embedded HSA Funds by Genesys ** $750 individual / $1,500 family Out-of-Pocket Maximum *** $4,000 individual $6,550 family $8,000 family $2,700 individual $3,000 individual $6,000 individual $12,000 family Preventive Care $0; deductible waived Not covered Most Other Services you pay 20% after deductible you pay 40% after deductible you pay 0% after deductible you pay 30% after deductible you pay 10% after deductible you pay 30% after deductible Note: The UHC PPO and Kaiser HMO have $0 deductibles Embedded Family Deductible (HDHP Plan 2): If one covered family member has enough expenses in a given year to meet the individual deductible, the plan will begin paying a portion of that family member’s expenses for the remainder of the year. You do not have to meet the full family deductible before the plan begins to pay. Aggregate Family Deductible (HDHP Plans 1 & 3): The full family deductible must be met before the plan begins to pay a portion of expenses for any covered family members.

HOW TO FIND AN IN-NETWORK MEDICAL PROVIDER United Health Care https://www.uhc.com/find-a-physician Kaiser https://healthy.kaiserpermanente.org/doctors-locations

2019 semi-monthly medical contribution rates California Employees Contribution rates for Kaiser HMO coverage are available on www.mygenesysbenefits.com.

2019 Anthem dental plans Two plans available under our Anthem dental benefit: Standard Plan Enhanced Plan Annual Deductible $50 individual $100 family None Annual Benefit Maximum $1,500 per person $2,250 per person Preventive & Diagnostic Services* 100% Basic Services* Example: Fillings 80% Basic or Major* Example: Crowns 50% Orthodontia* $1,500 per person lifetime maximum $1,750 per person lifetime maximum Both plans provide benefits for out-of-network services. However, you may save by using Anthem dental network providers who have agreed to negotiated rates. *Reasonable and customary limits will be applied for out-of-network coverage. Visit www.mygenesysbenefits.com for plan details

2019 vsp vision plans Two plans available under our VSP vision benefit: VSP Core Plan VSP Buy-Up Plan Frequency Eye Exam $10 copay Every 12 months Prescription Glasses $25 copay Frames $150 allowance per person ($170 for featured frames) + 20% discount over allowance or $80 allowance at Costco $200 allowance per person ($220 for featured frames) + 20% discount over allowance or $110 allowance at Costco Lenses Included in Prescription Glasses Single vision, lined bifocal, and line trifocal lenses Polycarbonate lenses for dependent children Lens Options $50 - $160 copay, depending on lens type (standard progressive, premium progressive, custom progressive) Contact Lenses (in lieu of glasses) $0 copay $130 allowance for contacts and contact lens exam $200 allowance for contacts and contact lens exam Visit www.mygenesysbenefits.com for plan details, including out-of-network benefits.

2019 semi-monthly Dental and vision contribution rates Employee Only Employee + Spouse/DP Employee + Child(ren) Employee + Family Dental Anthem Standard Plan $4.00 $11.50 $11.00 $18.50 Anthem Enhanced Plan $8.00 $19.50 $31.00 Vision VSP Core Plan $0.00 $.50 VSP Buy-Up Plan $4.30 $6.84 $6.98 $11.25

2019 Health Savings Account (HSA) If you participate in one of the three UHC HDHP medical plans, you will have access to an HSA that you can use to save for current and future expenses. Genesys helps fund your HSA. Your Medical Coverage Level Genesys will contribute…. You can contribute up to an additional… 2019 Total Contribution Limit Employee Only $750* $2,750 $3,500 All Other Coverage Levels $1,500* $5,500 $7,000 If you are age 55 or older, you can contribute an additional $1,000 in 2019. To enroll in the HSA if 2019 will be your first year in the HSA (use Internet Explorer) or for more information, visit www.wageworks.com. *Genesys contributions are spread over the year with a deposit made in your HSA @ the beginning of each quarter based on your date of hire. !

2019 Health Savings Account (HSA) How a UHC HDHP Plan and HSA work together to provide coverage and save you money. UHC HDHP Medical Plan High Deductible Insurance Provides 100% preventive care and protects you from big medical bills Quarterly funding from Genesys Health Savings Account (HSA) Optional pretax contributions from you Withdraw money tax-free to help pay your deductible and other expenses Rolls over year to year and goes with you if you leave Genesys

2019 Flexible spending accounts (FSAs) Health Care FSA Limited Purpose FSA Dependent Care FSA Which medical plan can I have with this account? UHC PPO, Kaiser HMO (CA only), decline medical coverage UHC HDHP Plan 1, 2 or 3 Any How much can I contribute in 2019? $50 - $2,650 pretax (you may carry over up to $500 from 2018; any remaining funds over $500 are forfeited in accordance with IRS rules) $50 - $5,000 pretax What expenses can I pay with money from my account? Qualifying medical, dental, vision and prescription expenses not paid by your medical plan (including deductibles coinsurance and copays) Qualifying dental and vision expenses only (you can use your HSA for qualifying medical expenses) Eligible dependent care expenses you incur so you can work, including qualified baby sitters, nursery school, pre-school, elder care and more. Eligible dependents include children up to age 13 and elderly parents who live in your home, depend on you for 50% of their support and are incapable of self-care. You must re-enroll each year if you want to contribute to your FSA Once enrolled, you may only change annual contributions if you have a Qualifying Life Event, such as marriage, divorce, addition or loss of a dependent, or change in spouse/domestic partner’s employment (must enroll within 31 days of Qualifying Life Event) Documentation for your Qualifying Life Event must be submitted to the Benefits team !

2019 benefits provided by genesys at no cost You are automatically enrolled in additional benefits at no cost to you, including: Basic Life and Accidental Death & Dismemberment (AD&D) Insurance Basic life at 2x your annual salary AD&D at 2x your annual salary Please review your beneficiary information to make sure it is up to date (even if you aren’t changing your elections) UHC Optum Employee Assistance Program (EAP) Provides confidential information, support and referrals to you and your family members 8 face-to-face counseling sessions available per issue, per year Issues include but are not limited to legal advice, financial advice, wellness, career Disability Benefits Salary continuation of 100% for the first 8 weeks of an illness or injury, then 70% for the next 18 weeks LTD Benefit: after 26 weeks, 66 2/3% of your annual salary to a $15,000/monthly maximum benefit Advocacy Services Advocate to assist with claim issues, understanding your benefits, research and clinical information Toll-free number to speak with an Advocate: 866-279-0495 Available 24/7, Monday through Friday, excluding holidays

2019 Other voluntary benefits to consider You can purchase the following voluntary coverage for yourself and your family members: AFLAC Critical Illness Provides lump-sum cash benefit payment in the event of serious illness Helps pay for expenses that are not covered by your medical plan Not available if you are age 70 or older AFLAC Hospital Indemnity Provides a lump-sum cash benefit payment in the event you are admitted to the hospital or require surgery CIGNA Voluntary Life Insurance You can purchase supplemental coverage beyond what is provided by Genesys CIGNA Voluntary Accidental Death and Dismemberment (AD&D) Insurance

2019 Other voluntary benefits to consider (continued) LegalZoom LifePlan (Legal Services) Receive legal advice and services from a large network of attorneys MetLife Home and Auto Insurance Insurance coverage offered at group rates MetLife Pet Insurance Commuter Benefits Use pretax dollars to pay for the cost of commuting to work on mass transit or parking Sign up at www.wageworks.com 2019 IRS limits apply

Enroll through new Benefitsnow site BenefitsNow is our enrollment site for 2019 Benefits Open Enrollment and future benefit changes. Access BenefitsNow 24/7 from anywhere with internet access. Visit the Enrollment page on www.mygenesysbenefits.com for a link, or go directly to https://genesys.benefitsnow.com. If this is your first time accessing the system, select Are you a new user? And follow the prompts to create your username and password. Then select Enroll Now. STEP 1 Log on to BenefitsNow STEP 2 Review your personal information It is important that you review the personal information that has been pre-loaded into the system for you. Some information updates, including beneficiaries, personal email address and mobile phone number, can be made right in the system. If you see other information that needs to be updated, send an email to HR@genesys.com. When you have verified all of the information, click Save and Continue. STEP 3 Choose your benefits for 2019 The enrollment page shows your available 2019 benefits. If you plan to participate in the HSA or any of the FSA plans, you MUST actively enroll to participate in these benefits for 2019. You can use the Take Me Through Each Benefit button, or you can select individual benefits by using the View/Change button. Note that the default election for all other 2019 benefits is the same benefit plan you have in 2018. When done, click Complete Enrollment. STEP 4 Print Confirmation Statement Once you’ve completed enrollment, you will land on the Confirmation page where you can print a paper copy of the screen. If you want to make a change, just log back on to BenefitsNow anytime before the end of Open Enrollment (November 30th) and complete the enrollment steps again.

Learn more: www.mygenesysbenefits.com Convenient, easy access to the information and resources you need, including: Plan Details Enrollment Instructions Contact Information Resources

Benefit provider contact information The following providers have online tools and information to help you with everything from choosing your benefits to getting and staying healthy

Who to cONTACT FOR HELp General Questions Genesys HR HR@genesys.com Online Enrollment Questions & Plan Information Your Benefits Resource Center (844) 868-6230 2019 US Benefits Enrollment Guide https://mygenesysbenefits.com/resources.html Transition of Care Assistance Advocacy Program (866) 279-0495 www.aonhewittadvocacy.com 2019 Benefits Open Enrollment is Monday, November 12th through Friday, November 30th

2019 BenefitsNow Enrollment Guide

Enroll through new Benefitsnow site BenefitsNow is our enrollment site for 2019 Benefits Open Enrollment and future benefit changes. Access BenefitsNow 24/7 from anywhere with internet access. Visit the Enrollment page on www.mygenesysbenefits.com for a link, or go directly to https://genesys.benefitsnow.com. If this is your first time accessing the system, select Are you a new user? And follow the prompts to create your username and password. Then select Enroll Now. STEP 1 Log on to BenefitsNow STEP 2 Review your personal information It is important that you review the personal information that has been pre-loaded into the system for you. Some information updates, including beneficiaries, personal email address and mobile phone number, can be made right in the system. If you see other information that needs to be updated, send an email to HR@genesys.com. When you have verified all of the information, click Save and Continue. STEP 3 Choose your benefits for 2019 The enrollment page shows your available 2019 benefits. If you plan to participate in the HSA or any of the FSA plans, you MUST actively enroll to participate in these benefits for 2019. You can use the Take Me Through Each Benefit button, or you can select individual benefits by using the View/Change button. Note that the default election for all other 2019 benefits is the same benefit plan you have in 2018. When done, click Complete Enrollment. STEP 4 Print Confirmation Statement Once you’ve completed enrollment, you will land on the Confirmation page where you can print a paper copy of the screen. If you want to make a change, just log back on to BenefitsNow anytime before the end of Open Enrollment (November 30th) and complete the enrollment steps again.

Benefitsnow enrollment site home page

Benefitsnow – example Medical enrollment adding dependent(s)

Benefitsnow – example adding a dependent to medical coverage

Benefitsnow – example adding a dependent to medical coverage (con’t)

Benefitsnow – example medical enrollment options

Benefitsnow – example Health Savings Account election

Benefitsnow example Dependent care fsa election

Benefitsnow plans that require a beneficiary

Benefitsnow add beneficiary - basic life insurance

Benefitsnow add beneficiary - basic life insurance (continued)

Benefitsnow add beneficiary - basic life insurance (continued)

Learn more: www.mygenesysbenefits.com Convenient, easy access to the information and resources you need, including: Plan Details Enrollment Instructions Contact Information Resources

What questions do you have?