2. Benefit enrollment begins July 6 th Benefits Effective August 1, 2016

3. Tender Touch Management was faced with several tough decisions during this year’s plan evaluation. Every attempt was made to continue to provide plan options that are affordable and comprehensive.

4. Tender Touch will continue to offer 3 plan options. Increases in claim costs have necessitated the benefit offerings to be amended in order to keep each of the plan options as affordable as possible. The PPO network will be with CIGNA and the plan administrator will be APA.

5.  Office Visit Copay - $20  In- network Deductible - $2,000/$4,000  In-network Coinsurance – 70%/30% (employee)  In-network out of pocket limit - $6,000/$12,000  Prescription Drug Copay* - $20/$40/$60($250 specialty drugs)  Wellness Coverage – 100% no copay  For Provider information please visit – www.cigna.com www.cigna.com  *Please review summary of benefits for full details

6.  Office Visit Copay - $20  In- network Deductible - $1,250/$2,500  In-network Coinsurance – 80%/20% (employee)  In-network out of pocket limit - $4,000/$8,000  Prescription Drug Copay* - $20/$40/$60 ($250 specialty drugs)  Wellness Coverage – 100% no copay  For Provider information please visit – www.cigna.comwww.cigna.com  *Please review summary of benefits for full details

7.  Office Visit Copay - $20  In- network Deductible - $500/$1,000  In-network Coinsurance – 90%/10% (employee)  In-network out of pocket limit - $4,000/$8,000  Prescription Drug Copay* - $20/$40/$60 ($250 specialty drugs)  Wellness Coverage – 100% no copay  For Provider information please visit – www.cigna.comwww.cigna.com  *Please review summary of benefits for full details

8.  Annual Plan Maximum- $1,500  In- network Preventive Care – 100%  In-network Basic Care – 80%  In-network Major Care – 50%  Deductible (waived for preventive) - $50/$150  Adult and Child Orthodontia - $1,500 benefit  For Provider information please visit – www.deltadentalnj.com - Delta Premier network www.deltadentalnj.com  *Please review summary of benefits for full details

9.  DeltaCare USA – HMO In-network providers only  Diagnostic and Preventive Care – 100% after $5 copay*  Restorative Care– Scheduled Copays*  Endodontics and Periodontics– Scheduled Copays*  Prosthodontics and Oral Surgeries Scheduled Copays*  Adult and Child Orthodontia – Covered per Schedule  For Provider information please visit – www.deltadentalnj.com - DeltaCare USA network www.deltadentalnj.com  *Please review summary of benefits for full details

10.  Examinations – Once every 12 months -$10 Copay  Lenses or Contacts – Once every 12 months  Frame – Once every 24 months - $130 allowance  Deductible (waived for preventive) - $50/$150  For Provider information please visit – www.eyemed.com www.eyemed.com  *Please review summary of benefits for full details

11.  4 plan options  Enrollment during this initial offering without medical underwriting, up to the Guarantee Issue Limit  Pre-existing condition clause does not apply to current Allstate policy holders*  Provides Income protection up to the maximum allowed by your state’s disability program and benefits will be paid in addition to any benefit received from your home state’s program.  *Please review summary of benefits for full details, 12 month pre-existing condition limit for employees enrolling in this benefit for the first time

12.  2 plan options  Enrollment available during this initial offering without medical underwriting*  If still disabled, this benefit is designed to kick in after your short term disability benefits have been exhausted.  If you are permanently disabled, this benefit can protect your income up to age 65  Pre-existing condition clause does not apply to current Standard policyholders*  *Please review summary of benefits for full details, 12 month pre-existing condition limit for employees enrolling in this benefit for the first time

13.  Enrollment during this initial offering without medical underwriting*  Maximum benefit - $150,000 Employee/$50,000 Spouse/$10,000 Child(ren)  *Please review summary of benefits for full details,

14.  Enrollment during this initial offering without medical underwriting up to Guarantee Issue limit  Guaranteed Issue- $100,000 Employee (up to age 50) $50,000 (age 51-80)/$25,000 Spouse (up to age 50) $10,000 (age 51-80)/$10,000 Child(ren)  Paid up at age 70 option available  *Please review summary of benefits for full details,

15.  Two Plan Options  Medical Fees for Accident-related services  Hospital Admission benefit  Emergency Room Benefit  Scheduled Benefit intended to provide coverage for most Accident-related treatments.  *Please review summary of benefits for full details,

16.  Increased Guaranteed issue amounts $30,000 for an Employee and $15,000 for Spouses  Includes coverage for the first diagnosis of Cancer, Heart Attack, Major Organ Transplant, End Stage Renal Failure, Stroke*  $75 Health Screening Benefits  Additional conditions covered include Coma, Paralysis, Loss of Sight, Hearing or Speech  Pre-existing condition clause does not apply to current Allstate policy holders* *Please review summary of benefits for full details.

17.  Hospital Admission Benefit - $1,000  Hospital Confinement Benefit - $200 per day  Hospital Intensive Care Benefit - $200 per day  *Please review summary of benefits for full details

18.  Each Employee is required to setup an appointment with a Benefit Counselor to ask any questions about the new benefit offerings.  The Benefit Counselor will also assist you in completing your benefit enrollment.  Completing this call is mandatory for all employees.  Employees who do not complete an enrollment will not be enrolled in any benefits effective 8/1/2016.

19.  Your enrollment date will be based on the First Letter of your Last Name  Please visit the Tender Touch enrollment website to schedule your appointment, www.ttenrollment.com www.ttenrollment.com  When you setup your appointment you will be asked for some basic contact information  So that you can receive a confirmation email stating the time and date of your appointment.  And a phone call from a benefit counselor at the time you have scheduled.

20.  Call Center Hours are from 10 am to 7 pm Eastern  The schedule is: ◦ Last Name A-B = July 6 th and 7 th ◦ Last Name C-D = July 8 th and 11 th ◦ Last Name E-J = July 12 th and 13 th ◦ Last Name K-M = July 14 th and 15 th ◦ Last Name N-R = July 18 th and 19 th ◦ Last Name S-Z = July 20 th and 21 st Please keep in mind that you will receive a call from a Benefit counselor at the time you have chosen for your enrollment to begin.