Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 1 EyeMed Vision Care New State Vision Plan

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 2 Agenda  EyeMed Vision Care Introduction  Plan Overview  Enrollment  Obtaining Services  EyeMed Web Overview  Provider Network  Key Contacts  Key Points  Questions/Comments

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 3 Welcome To EyeMed Vision Care  Employees will have the option to enroll in a voluntary, 100% employee-paid program effective 1/1/2010  Key highlights of the program include: –Convenient Provider Options: Choose from hundreds of convenient locations throughout South Carolina and nationwide, including private practice providers, as well as leading optical retail chains –Affordable Comprehensive Coverage: Program includes coverage for eye exams, eyeglasses and contact lenses with low copays and high allowances for very affordable monthly premiums –Additional Savings: Savings of 40% off additional complete pairs of eyeglasses once benefits are exhausted, 20% off items not covered by the plan and 15% off conventional contact lenses

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 4 The Importance of Vision Care  75% of Americans wear vision correction.  1 out of every 4 children ages five to twelve has a vision problem that will affect educational performance.  Vision benefits are just as important as medical and dental coverage. A comprehensive eye exam can help identify both vision related and major medical conditions such as diabetes, hypertension, multiple sclerosis and more.  1 in 5 people are at risk for vision loss and many of the problems could have been addressed through proactive care.  A slight vision miscorrection can reduce productivity by 10% and accuracy by 40%. 1 Jobson’s Optical Research Vision Watch Data Prevent Blindness America Employee Benefit News American Optometric Association 5 Journal of the AOA, 2004

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 5 Plan Overview  Comprehensive program covers eye exams and eye wear  Current vision care discount program will still exist, but cannot be combined with the new program at the time of service. The new vision plan will also use a different network of providers.  Beginning January 1, 2010, BlueChoice HealthPlan and CIGNA HMO will no longer offer vision routine vision care coverage.  Anyone eligible for health insurance through the EIP is eligible for vision coverage.  Active employees may pay for vision before taxes are deducted through MoneyPlu$, and retirees can have premiums deducted from their pension checks.

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 6  Eye Exam Standard contact lens fit – Applications of clear, soft, spherical (astigmatism less than.75D), daily wear contact lenses for single vision prescriptions. Does not include extended/overnight wear. Premium contact lens fit – More complex applications, including, but not limited to, toric (astigmatism.75D or higher), bifocal/multifocal, cosmetic color, post-surgical and gas permeable. Does include extended/overnight wear for any prescription. Vision Care ServicesIn-Network Member CostOut-of-Network Plan Reimbursement Comprehensive Exam with Dilation$10 Copay, Paid in full$35 Contact Lens Fit and Follow-Up: Standard Premium $0 Copay, Paid-in-full fit and follow-up, up to 2 visits $0 Copay, 10% off retail price, then apply a $55 allowance $40 Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 7  Frames Frame benefit is applied toward the retail price of the frame Vision Care ServicesIn-Network Member CostOut-of-Network Plan Reimbursement Any available frame at provider location $0 Copay $140 allowance 20% off balance over $140 $70 Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 8  (Eyeglass) Lenses Vision Care ServicesIn-Network Member Cost Out-of-Network Plan Reimbursement Standard Plastic Lenses: Single Vision Bifocal Trifocal Lenticular Standard Progressive Lens Premium Progressive Lens: -Image, Kodak Precise, Kodak Concise, Outlook SOLAMAX, Gradal Top, Gradal Brevity, Ovation, Natural, Compact Ultra, Short Fit, “MVP” -Varilux Comfort, AO Easy, Hoyalux GP Wide, Gensis -SOLAOne, Varilux Panamic, Varilux Ellipse, Definity, Hoyalux Summit -Premium Progressive (Other) $10 Copay $45 Copay $71 Copay $77 Copay $83 Copay 80% of charge less $75 $25 $40 $55 Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 9  Lens Definitions Lenticular Lenses - An antiquated technology used in situations requiring such high plus power that a full field meniscus lens would be impractical (because of thickness, weight and fit). This area of power is usually located in the center of the lens and takes on the appearance of a "bubble.“ The amount of patients that need this type of lens has been decreased by improvements in cataract surgery. Progressive Lenses - Progressive lenses are often referred to as “no-line” bifocals or trifocals. They allow the wearer to have the benefits of multifocal lenses with a blended lens. These lenses have many advantages over bifocals and trifocals because they allow the wearer to focus at many different distances, not just two or three. Because they have no lines, progressive lenses allow a smooth transition between distances. Standard Progressive Lenses - Progressive lenses that could include basic lens option features such as Basic/Standard Anti Reflective properties and could be made out of plastic. Premium Progressive Lenses – Progressive lenses that could include premium properties such as Premium – Anti Reflective, UV coating, etc. and could be made with Polycarbonate or High Index lenses. Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 10  Lens Options Vision Care ServicesIn-Network Member Cost Out-of-Network Plan Reimbursement UV Coating Tint (Solid and Gradient) Standard Scratch Resistance Standard Polycarbonate-Kids under 19 Standard Polycarbonate-Adults Photocromatic Plastic Lenses (including Transitions) Polarized Other add-ons and Services $0 $30 $60 80% of charge $5 Anti-Reflective Coating: Standard Premium -Crizal, Zeiss Carat, High Vision -Crizal Alize, Teflon, Super High Vision, RF Endura EZ, Luxottica Anti-reflective coatings Premium - Other $45 $57 $68 80% of charge $0 Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 11  Contact Lenses Vision Care ServicesIn-Network Member CostOut-of-Network Plan Reimbursement Contact Lenses (contact lens allowance for materials only) Conventional Disposable Medically Necessary $0 Copay; $130 allowance, 15% off balance over $130 $0 Copay, $130 allowance $0 Copay, Paid-in-Full $104 $200 Plan Overview NOTE: The amount of contact lenses that can be bought with the $130 contact lens allowance depends on the type of contact lenses that are being purchased (i.e., daily, extended, multi focal, etc.).

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 12  Contact Lens Definitions Standard contact lens fit – Applications of clear, soft, spherical (astigmatism less than.75D), daily wear contact lenses for single vision prescriptions. Does not include extended/overnight wear. Premium contact lens fit – More complex applications, including, but not limited to, toric (astigmatism.75D or higher), bifocal/multifocal, cosmetic color, post surgical and gas permeable. Does include extended/overnight wear for any prescription. Conventional Contact Lenses - Contact lenses designed for long-term use (up to one year); can be either daily or extended wear. Disposable Contact Lenses - Contact lenses designed to be discarded daily, weekly, bi-weekly, monthly or quarterly. Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 13  Medically Necessary Contact Lenses Contact lenses are defined as medically necessary if the individual is diagnosed with one of the following specific conditions: Keratoconus where the patient is not correctable to 20/30 in either or both eyes using standard spectacle lenses High Ametropia exceeding -10 D or +10D in spherical equivalent in either eye Anisometropia of 3 D in spherical equivalent or more Patients whose vision can be corrected two (2) lines of improvement on the visual acuity chart when compared to best corrected standard spectacle lenses correction. All requests for medically necessary contact lenses must be submitted by provider for review and approval by our Medical Director before a claim will be processed for the service.  “Medically Necessary Form” will be available 1/1/2010: 1) Visit select your category and then select “Forms.” Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 14 Plan Overview NOTE: *Based on “Subscriber Only” yearly premium

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 15 Plan Overview NOTE: *Based on “Subscriber Only” yearly premium

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 16 Plan Overview NOTE: *Based on “Subscriber Only” yearly premium

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 17 Plan Overview NOTE: *Based on “Subscriber Only” yearly premium

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 18 Plan Overview NOTE: *Based on “Subscriber Only” yearly premium The amount of contact lenses that can be bought with the $130 contact lens allowance depends on the type of contact lenses that are being purchased (ie daily, extended, multi focal, etc).

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 19  Benefit Frequency: Exam – Once every calendar year Frames – Once every 2 calendar years (Eyeglass) Lenses or Contact Lenses – Once every calendar year EXAMPLES Plan Overview ServiceDate of Service Next Eligible Date Exam Frames Lenses Exam Frames Lenses Example 1 Example 2

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 20  Services do not have to occur on the same day: EXAMPLES Plan Overview Example 3 Example 4 ServiceDate of ServiceNext Eligible Date Exam Frames Lenses Exam CL Fit/Follow Up CL Fit/Follow Up Contact Lenses

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 21  Services can be rendered by different Providers: EXAMPLES 1) All services at the same Provider Exam / Frame / Lenses – Provider A 2) Services across different Providers Exam - Out of Network Provider A Frames & Lenses- In Network Provider B NOTE: It does not matter if the provider is In-Network or Out-of -Network - Independent or Retail --- any combination is valid! *Benefits are applied based on where services are occurring. Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 22  Sample combinations of benefit usage: A) Comprehensive Exam and/or Contact Lens Fit & Follow Up: B) Frame & Eyeglass Lenses C) Contact Lenses D) Frame & Contact Lenses (member receives 20% off eyeglass lenses since funded benefit for eyeglass lenses cannot be used). NOTE: If you have an existing pair of Frames, you can use your benefit to buy new Lenses as long as they can be fitted. Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 23  Key Points: 1.Special promotions/discounts cannot be combined with the State’s vision plan. 2.Other vision plans (AAA, AARP, etc.) cannot be combined with the State’s vision plan. 3.Contact Lens allowance works on a declining balance. NOTE: Declining balance cannot be used across an In Network & Out Of Network provider. 4.Frame Allowance is not on a declining balance; use it all at once (or lost). Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 24  Key Points: 5.Out of pocket vision expenses qualify towards an FSA account. 6.The benefit covers prescription Sunglasses. Plan Overview

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 25 Plan Overview  Additional Discounts: 1.Once the benefit is used, there is an additional 40% discount off complete pair of eyeglasses (frame & lens must be purchased at the same time). 2.Once the benefit is used, there is an additional 15% discount off conventional contact lenses. 3.Member will receive a 20% discount on remaining balance at In Network Providers beyond plan coverage. 4.LASIK – Through U.S. Laser network, obtain a 15% off retail price OR 5% off Provider’s promotional pricing – all requests must go to 877-5LASER6 ( ).

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 26 Post Enrollment  Once enrolled, all enrollees will receive a packet that includes: 1.2 ID Cards 2.Nearest providers 3.Plan Design

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 27  Out Of Network Provider EyeMed Out Of Network Claim form will be available 1/1/2010: choose your category & select “Forms” Obtaining Services  In Network Provider Provider files claim for member.

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Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 29 Provider Network Hundreds of convenient locations throughout South Carolina and thousands nationwide, including:

Confidentiality Notice: This document contains confidential and privileged information and is for the sole use of the intended recipients(s). Disclosure or distribution to and review or use by any unauthorized EyeMed or Luxottica associate(s) and all external parties is prohibited. 30  EyeMed Customer Care – for anyone Toll Free Telephone: NOTE: Menu options change from Open Enrollment time to January 1, Key Contacts – EyeMed CC Available 362 days a year (Closed Thanksgiving, Christmas and Easter) Language line translation services for more than 150 languages Monday – Saturday; 8 am – 11 pm EST Sunday; 11 am – 8 pm EST