Employee Benefits Open Enrollment

PARTNERING TOGETHER TO BETTER SERVE YOU Human Resources & Trutina Financial are your resource for: General benefits questions Claim issues Billing issues Contacts: Carrie Otoupalik, PHR,SHRM-CP 360.537.4086 HumanResources@bankofthepacific.com Karras Miller, Account Manager 425.401.1211 karrasm@Trutinafinancial.com Client Services Team 800.401.4534 clientservices@trutinafinancial.com

OPEN ENROLLMENT Opportunity to add or delete coverage for self and dependent(s) for currently eligible employees, for an effective date of January 1, 2019 Must be currently enrolled in benefits or have met the eligibility waiting period Coverage will remain in place until December 31, 2019 unless you have a qualifying event ALL changes must be made on Employee Navigator by NOVEMBER 19th Required: annual re-election for FSA & HAS Required: election for vacation purchase plan See form included in Open Enrollment Email or contact Human Resources

COMPREHENSIVE EMPLOYEE BENEFITS PACKAGE Regence Medical - HSA Regence Medical - PPO Delta Dental Cigna Life & AD/D Willamette Dental Cigna Long Term Disability Vision Service Plan Vision Cigna Voluntary Life & AD/D Flexible Spending Account (FSA) Cigna Voluntary Short Term Disability FSA Dependent Care Employee Assistance Program (EAP) Health Reimbursement Account (HRA) Health Savings Account Limited Purpose FSA

ENROLL THROUGH EE NAVIGATOR Go to: www.bankofthepacificbenefits.com

SELECTING THE RIGHT PLAN Consider how you & your family use your medical plan Compare what you pay for premiums, what you pay for services & prescriptions Both Plans cover preventive care at 100% but vary in deductible, copays and co-insurance. Consider what you want most: Low monthly premiums Flexibility & choice Plan for future Videos https://www.youtube.com/watch?v=vlbJW6wllKA&list=PLv8GKR9Z0HbgpyrMMF6wFePohPLil9glK&index=4 https://www.youtube.com/watch?v=YghMPFl4038&index=5&list=PLv8GKR9Z0HbgpyrMMF6wFePohPLil9glK Choices See additional videos on the EE Navigator Benefits Portal for more information on selecting the right plan for YOU

MEDICAL PLAN OVERVIEW Plan Name PPO $3000 Used with Health Reimbursement Account (HRA) HSA $2,500 Used with Health Savings Account (HSA) Provider Network REGENCE Deductible In Network: $3,000 Individual and $6,000 Family In Network: $2,500 Individual and $5,000 Family Annual Out-of-Pocket In Network: $6,000 Individual and $12,000 Family In Network: $5,500 Individual and $6,850 Family Cost Share In-Network: Copay, Deductible, then 20% Coinsurance In-Network: Deductible, then 20% Coinsurance Office Visits $35 Copay, then 100% Deductible, then 20% Coinsurance Preventative Care Covered 100% Emergency Services $100 Copay, then deductible and 20% Coinsurance Urgent Care Pharmacy Up to 30 day supplies: Generic: $10 Copay Preferred Brand Name: $25 Copay Non-Preferred Brand Name: $40 Copy Specialty Drugs : 20% Coinsurance Up to 90 day supplies: 3 X the 30 day supply copays

Health Reimbursement account Bank of the Pacific PPO Medical Plan: $3,000 Deductible $6,000 Out-Of-Pocket Max for In-Network Services 2: Member has to pay $3,000 Deductible prior to Coinsurance begins. Member is eligible for HRA assistance after $750. 1: Member receives a medical bill $4,000 from In-Network Provider 3: Through your HEALTH REIMBURSEMENT ACCOUNT (HRA), Bank of the Pacific will contribute $2,250 to help offset the cost of your deductible. For an individual, you will pay the first $750 and Bank of the Pacific will pay the next $2,250 HRA Health Reimbursement account 4: After the deductible has been paid; Insurance pays 80%, you pay 20% $3,000* (deductible) + (20% of $1,000=$200) = $3,200 is the amount due *Remember – Bank of the Pacific contributes $2,250 through your HRA to offset the $3,000 Deductible. This means your portion of the deductible is $750 + $200 (20% coinsurance) = $950 is the amount you will pay 5: The member pays 20% coinsurance of medical expenses until they reach their Out-Of-Pocket Maximum (OOPM) 6: The Out-Of-Pocket Maximum ($6,000) is the most you pay out of pocket in a calendar year. Once the Out-Of-Pocket is met, medical expenses are covered 100% with in-network providers

Willamette Dental Plan DENTAL PLAN OVERVIEW Plan Name Delta Dental PPO Plan   Willamette Dental Plan Provider Network Delta Dental PPO Willamette Dental Group Benefit Period January 1, 2019 – December 31, 2019 Deductible Copay Per Person: $50 Per Family: $150 Waived on Class I Services Per Person: No Deductible $25 Per Visit Benefit Period Maximum Per Person: $2000 Class I Services do not apply towards Annual Maximum No Annual Maximum CLASS I Exams, Cleanings, X-rays, Fluoride & Sealants Delta PPO: 100% Non-Participating: 100% Covered with Office Copay $25 Per Visit CLASS II Fillings, Oral Surgery, Root Canals, Endodontics & Periodontics Delta PPO: 90% Non-Participating: 80% Fillings Covered with Office Copay Routine Extractions Covered with Office Copay Surgical Extractions Covered with $100 Copay Endo & Perio – refer to schedule CLASS III Crowns, Dentures, Partial Dentures, Implants & Bridges Delta PPO: 50% Non-Participating: 50% Crowns Covered with $350 Copay Dentures Covered with $450 Copay Bridge Covered with $350 Copay Orthodontia Not Covered Pre – Ortho Service $150 Copay Comprehensive Ortho $2,000 Copay For Adult AND Children

VISION PLAN OVERVIEW VSP CHOICE PLAN Plan Name Provider Network   Provider Network VSP PPO Well Vision Exam In Network : $20 Copay Every 12 months Prescription Glasses $20 Copay: Lenses - every 12 months Frame – every 12 months $180 allowance + 20% discount on any amount over allowance Contact Lenses (If chosen instead of glasses) Up to $180 allowance for contacts ** See Booklet for Out of Network Benefit

EMPLOYER PROVIDED BENEFITS *All Employees regularly scheduled to work 30 hours or more per week are eligible for the following Bank of the Pacific paid benefits Life & AD/D Plan Name CIGNA   Benefit Amount 2 X Salary up to $300,000 Long Term Disability (LTD) Plan Name CIGNA   Employee Weekly Benefit Amount 60% of monthly earnings up to a maximum of $11,000 per month Elimination Period 90 days for both covered injury & covered sickness Benefit Duration Benefits extend to age 65 as long as you meet the definition of disability

Voluntary Life & AD/D This benefit is not available for Open Enrollment; all elections are subject to approval by Cigna Underwriting and will require submitting Evidence of Insurability. Plan Name CIGNA   Employee Life Insurance An amount up to $300,000 in increments of $10,000, not to exceed 5x basic annual earnings Spouse Life Insurance An amount up to $150,000, in increments of $5,000 Employee AD&D Insurance Spouse AD&D Insurance An amount up to $100,000, in increments of $5,000 Guarantee Issue Amounts: Employee Life Spouse Life 3X Salary up to $200,000 $30,000

Voluntary Short Term Disability (STD) Plan Name Cigna   Employee Weekly Benefit Amount 60% of weekly earnings up to a maximum of $2,000 per week. Elimination Period 0 days for covered injury & 7 days for covered sickness -Benefits begin at day 1 & day 8 (respectively) Benefit Duration Benefits extend for 13 weeks for and accident and 12 weeks for covered sickness as long as you meet the definition of disability (elimination period included in the benefit duration)

Employee Assistance Program (EAP) The EAP program is a professional, confidential, counseling and referral program. 3 face to face counseling sessions per issue Unlimited telephone access to EAP professionals 24/7 Common items to use the EAP benefit for: Marital/Family Problems Health/Mental Concerns Child/Eldercare Concerns Parenting Difficulties Work-Related Problems Relationship Concerns Gambling/Substance Abuse Stress, Anxiety, and Abuse Legal & Financial Assistance Will Preparation Available 24/7 (800) 777-4114

Dependent Care Account Health Reimbursement Account HRA This HRA Plan is defined as assisting with all medical plan deductible expenses, tracking limits per person which supplements a portion of out of pocket deductible expenses for the current plan year only. Bank of the Pacific contributes $2,250 for Individual and $4,500 for Family, after an employee has fulfilled their portion of the deductible. Flexible Spending Account New Benefit Limited Purpose Flexible Spending Account Limited Purpose FSA Limited-Purpose Flexible Spending Account (LFSA) Eligible Expenses - A Limited-Purpose Health Flexible Spending Account (LFSA) is available for employees enrolled in their employer’s group sponsored health plan who also have a Health Savings Account (HSA). It is similar to a traditional General Purpose Health FSA, allowing you to set aside pre-tax dollars to use toward reimbursable healthcare expenses, except it is limited to dental, vision and preventive care expenses. Common Eligible Expenses Any Dental and Vision expenses only available for Preventive Medical expenses when the tests are used for medical diagnosis and are not subject to deductible. Examples include hearing, and vision screenings.

2019 IRS Contribution Limits FSA / DCFSA / HSA 2019 IRS Contribution Limits Health Care FSA Limited Health Care FSA Health FSA Carryover: If the plan year ends before you’ve used all of your Health FSA funds, you’re allowed to have up to $500 carry over to the next FSA plan year. If you have more than the $500 remaining, you’ll lose those additional funds, along with all other account balances. $2,650 Dependent Care FSA For dependent children up to age 13 or disabled taxable dependent who is unable to care for themselves. $5,000* Health Care Spending Account (HSA) $3,500 for an Individual $7,000 for a Family *$2,500 if married and filing separately

REMINDERS Do preventive checkups/cleanings No cost for preventive medical procedures provided your doctor is in-network and the procedure is coded as preventive ALL changes must be made on Employee Navigator by NOVEMBER 19th Required annual re-election for FSA & HSA Reach out to Human Resources or Trutina with individual questions

Bank of the Pacific Benefits Plan Contacts: 1/1/19-12/31/19   The Client Services Team is here to assist you. If you have questions that Regence, Willamette, Delta Dental, VSP, Pacific Source, Cigna, BOP or Pentegra cannot answer, Please contact us: Email ClientServices@TrutinaFinancial.com Toll Free 800.401.4534 10811 Main Street Bellevue, WA 98004 Bank of the Pacific Benefits Plan Contacts: 1/1/19-12/31/19 Medical: Regence Group No.: 10035368 888.344.6347 www.regence.com Vision: VSP 800.877.7195 www.vsp.com FSA & HRA: Pacific Source   800.422.7038 psacustomerservice@pacificsource.com Life/AD&D and LTD: Cigna Voluntary Life/AD&D and STD: Cigna 800.732.1603 www.mycigna.com HSA: Bank of the Pacific 401(k): Pentegra- 401ksave.net/portal Dental: Willamette Dental Group Group No.: WA545 855.433.6825 www.willamettedental.com Dental: Delta Dental of WA Group No.: 09265 800.554.1907 www.deltadentalwa.com Bank of the Pacific’s Human Resources Team and Trutina’s Client Service Team are here to serve you!