9/16/11 | 1 Open Enrollment What’s Changing 2014

Open Enrollment Open enrollment is October 14 - November 17, 2013 All eligible associates must actively enroll for 2014 health benefits. If you do not enroll, your medical, prescription drug, dental, vision or flexible spending account benefits will NOT roll over. Company-provided benefits such as Group Life and Resources for Living will roll over for Enrollment materials will be posted on myDZAbenefits.com. Materials will NOT be mailed to homes. Confirmation statements will be available to view and print online. Paper statements will NOT be mailed to homes unless an associate requests one during their enrollment (online or by phone).

Open Enrollment Enroll Online or by Phone Online –from the myDZAbenefits.com Home page, click Enroll Now for 2014 Benefits. You’ll go straight to the enrollment site – available 24/7 and no extra log in or passwords necessary! By Phone –Call the Enrollment Center during your assigned enrollment period. Customer Service Representatives are available Monday – Saturday from 8 a.m. to 8 p.m. and Sundays 11 a.m. and 6 p.m., Eastern Time. Your assigned enrollment period is based on the state in which you live

Enrollment Dates

Medical Plan Changes In 2014 you have the choice between two new medical plan options - the Core Plan and the Enhanced Plan. These plans allow YOU to choose the out-of-pocket expense, per-paycheck contributions and level of coverage that is right for you. Both Plans include Delhaize America contributions to a CDHP Fund to help reduce your annual deductible and out-of-pocket costs. Your medical carrier will depend on the state in which you live: Aetna is the medical carrier for all states, EXCEPT North Carolina and South Carolina. BCBSNC is the medical carrier for North Carolina and South Carolina.

Medical Plan Changes Here is an overview of the two medical plan options; more details and a comprehensive comparison chart are included in your 2014 Benefits Guide, available at myDZAbenefits.com. SimilaritiesDifferences Both plans: Cover the same eligible expenses Cover care in- and out-of-network, with greater benefits when you use network providers Pay 100% of the cost of in-network preventive care Protect you from really high costs through an out-of- pocket maximum. If your expenses reach this maximum amount, the Plan pays 100% of eligible expenses for the rest of the year. Cover prescription drugs the same way, with the same copays Have the same eligibility requirements to earn Premium Credits in 2014 The plans vary by: Delhaize America contributions to your CDHP Fund Per-paycheck contributions are lower for the Core Plan compared to the Enhanced Plan Coinsurance amounts are lower in the Enhanced Plan Deductible amounts are lower in the Enhanced Plan compared to the Core Plan Out-of-pocket maximum amounts are lower in the Enhanced Plan compared to the Core Plan

Medical Plan Changes Your out-of-pocket costs will depend on the choices you make when you need care –In-network specialists and hospitals will be grouped into two categories, called tiers: Tier I Providers of Distinction – Your out-of-pocket costs will be the lowest when you select a high quality & efficient provider (specialist or hospital) from this tier Tier II* – You can choose a Tier II provider (specialist or hospital), but your out-of- pocket costs will be higher *Associates eligible for BCBSNC in Fayetteville, North Carolina or South Carolina will be covered at the Tier I benefit level for eligible services provided by in-network providers. Tier II benefits are not available in these areas.

Castlight With Castlight, you can: –Compare in-network doctors, facilities, and medical services based on quality, cost, and convenience. –See personalized cost estimates based on your specific health plan, the rates that have been negotiated with your insurance company, and whether or not you've met your annual deductible. –Review step-by-step explanations of past medical spending so you know how much you've paid and why. –Receive recommendations about ways to save money and find high- quality care. New this year! Associates will be able to register for Castlight prior to enrolling in a Delhaize America Medical plan. Once you enroll in a medical plan, Castlight will “match” your enrollment information and you will immediately have access to Castlight.

January, 2014 Premium Credit Requirements Designate a Primary Care Physician (PCP) for yourself and your covered dependents during enrollment You and covered dependents age 18 and older must be tobacco free or actively participating in the Alere Quit for Life ® tobacco cessation program by September 1, You must have completed the Blueprint for Wellness Know Your Numbers screenings by the September 1, 2013 deadline. This includes your KYN screening from Save up to $260/single and $520/family in 2014 with Premium Credits

April 2014 Premium Credit Requirements Register with our new wellness vendor, Vitality™ by March 31, 2014 at myDZAbenefits.com 1 2 Complete the Vitality Health™ (VHR) Vitality™ by March 31, Applies to you and covered spouse/domestic partner. Associates who met the January requirements can earn additional Premium Credits by reaching the “Bronze” Reward Status through Vitality ™. Easy steps include:

Group Life and Disability Alignment To align benefits across banners and to retain market competitiveness, we are making some important changes to these benefits in Group life insurance for 2014 will be these amounts: Job ClassificationCompany Provided Coverage Full-time Hourly Associate (except drivers and warehouse associates) A fixed amount of $40,000 Salaried or Salaried Non-Exempt Associate (non-executive) 1.5 times base pay up to $400,000 Full-time Hourly DriverA fixed amount of $130,000 Full-time Hourly Warehouse AssociateA fixed amount of $70,000 NE Part-time Hannaford Flex Associate enrolled in a Delhaize America medical plan A fixed amount of $5,000

Group Life and Disability Alignment Supplemental Life Insurance Low Rates! All Full-time Hourly and Salaried Associates will have the option to enroll for cost-effective Supplemental Life Insurance Plan through Hartford Life for yourself and your eligible dependents. You also have the option to enroll in Supplemental Dependent Life Insurance through Hartford Life. Company-provided dependent life coverage in the SE will no longer be available. Hannaford NE Part Time Flex Hourly Associates are eligible for Supplemental Life if enrolled in a Delhaize America Medical plan.

Group Life and Disability Alignment Some Other Updates Company-provided AD&D coverage for Full-time and Part-time Associates in the SE will no longer be available. Hourly Short-Term Disability options available in 2013 will remain the same for Basic Group Life for eligible Part-time Hourly Associates in the SE will no longer be available. Company-provided Long-Term Disability (LTD) monthly benefit will be up to $16,000 for all eligible salaried associates. LTD coverage will be based on own occupation for salaried directors and executives through age 65. Group Life benefits for salaried associates will be a calculation of base pay.

Other Changes for 2014 ChangeWhat it Means Rate ChangesThe rates for your benefits will be changing in View your 2014 rates online at myDZAbenefits.com Medical Plan annual deductible, coinsurance, copayment and out-of- pocket maximum changes Your annual deductible, coinsurance, copayment and out-of-pocket maximum will be changing in Copayments are no longer excluded from your out-of-pocket maximum See your enrollment materials for additional details. There will be a new dental plan for associates in 2014 You will have one dental plan option in See your enrollment materials for additional details.

Other Changes for 2014 ChangeWhat it Means Eligibility Requirements for PT Hannaford Flex Associates –reduced from three to two months of continuous employment PT Hannaford Flex associates will be eligible for medical/prescription drug, vision, dental, flexible spending accounts, supplemental and group life benefits after two months of continuous employment. Supreme Court Ruling on same-sex marriages Legally married same-sex spouses same-sex spouses are now treated the same as other spouses for the purpose of benefits elections. Disease Management ChangesStarting January 1, 2014 Disease Management services will be offered through your medical carrier – Aetna or BCBSNC.

Other Changes for 2014 ChangeWhat it Means Prescription Drug Copay ChangesThere are changes to your prescription drug copays in See your enrollment materials for additional details. New Wellness Vendor – Vitality™Vitality™ will help educate, motivate and assist you in realizing the limitless benefits of making healthy choices and adopting healthy behaviors. Engage with Vitality™ and be rewarded with better health and more. Coming soon

Tools and Resources Use these tools and resources to learn about your benefit plan options and make your choices: myDZAbenefits.com is your one stop shop for enrollment. Visit the site for details on the enrollment process, your designated enrollment period and to view or print your Benefits Enrollment Guide. Look for to get your benefits information in one simple click. Online Videos provide great information about the importance of taking care of your health and knowing your numbers in clear, easy- to-understand terms. Health Care Reform Made Simple this new site is your resource for Health Care Reform information and answers. You can enter your information and see Health Care Reform information that applies to your specific needs.