1. 2015 Benefits Overview

2. 2015 Employee Benefits Overview  Continually Changing Benefits Landscape  2015 Plan Impact  2015 Premium Costs  Employee Education and Resources  Annual Enrollment

3. Changing Benefits Landscape  Continued Increase In Benefit Costs (Claims)  Continued Emphasis on Compliance and Reporting  Working to Achieve the Right Benefit “Balance”  Continuing Employee Education and Awareness

4. 2015 Plan Impact  Value and HRA Plans Continue  Continuation of Working Spouse Provision  Implementation of Tobacco/Nicotine Surcharge  Pharmacy Updates  Dental Plan Administration Change  Vision Plan Update  FSA Administration Change

5. Working Spouse Provision  Spouses with Employer Coverage Are Not Eligible  Does Not Apply To Self-Employed/Unemployed  Does Not Affect Child(rens) eligibility  Employees Electing Spouse or Family Coverage Will Complete an Affidavit for 2015

6. Tobacco/Nicotine Surcharge  20% Premium Surcharge Effective 4/1/2015  Applies to Employees and Covered Dependents  All Employees will Complete an Affidavit in March  Includes Cigarettes, Smokeless Tobacco, Snuff, Cigars, eCigarettes, etc.

7. 2015 Medical Premiums Per Pay Period PlanEEEE/SpouseEE/Child(ren)EE/Family Value Plan $50.77$286.15$190.62$321.69 With Tobacco Surcharge $60.92$343.38$228.92$385.85 HRA Plan $16.15$150.92$111.69$209.08 With Tobacco Surcharge $19.38$180.92$133.85$251.08

8. 2015 Pharmacy Update  No Increase to Generic Co-Pay  Small Increase to Brand Drug Co-Pay  No Coverage for Selected Brand  OTC Smoking Cessation Products Added  Change To MedVantx for Mail Order Pharmacy

9. 2015 Pharmacy Co-Pays Rx Type 30 Day 90 Day Retail 90 Day M/O Generic$5$15$10 Brand (no generic) $45$135$90 Selected Brand No Benefit

10. 2015 Dental Plan Update  Administration Change to Assurant Dental  Wider Provider Network with Better Savings  Minimal Benefit Changes  Assurant Dental ID Cards  No Change to Dental Premiums

11. 2015 Dental Premiums Per Pay Period (No change from 2014) CoveragePremium Employee $3.23 $3.23 EE & Spouse $18.46 $18.46 EE & Child(ren) $16.62 $16.62 EE & Family $21.23 $21.23

12. 2015 Vision Plan Update  Administration Change to Superior Vision  Broader Provider Network (Optometrists and Ophthalmologists)  Benefit Improvements  Superior Vision ID Cards  Minimal Increase to Voluntary Vision Premiums

13. 2015 Voluntary Vision Premiums CoveragePremium Employee $2.85 $2.85 EE & Spouse $6.12 $6.12 EE & Child(ren) $6.12 $6.12 EE & Family $6.12 $6.12

14. 2015 FSA Administration  Plan Administration Moved to InFinisource  Online Capability with User Smartphone Apps  Daily Claims Processing – Weekly Funding  Medical - $2,500 / Dependent Care - $5,000  TASC Will Process 2014 Claims

15. Employee Education and Resources  www.mytibbenefits.com  Compass Professional Health Services  TelaDoc - $15 Co-Pay  UMR Website and Health/Disease Management  InFinisource FSA Plan  EAP  Your Responsibilities

16. 2015 Annual Enrollment  Review Plan Options at www.mytibbenefits.com  Contact Compass for Personalized Plan Review  Online Enrollment is Oct 31st – Nov 16th  New FSA Enrollment Required (no current deduction carryover)

17. Questions? Email Penni Livingston plivingston@mybankersbank.com FAQ Distributed to All Employees