1. All rights reserved. May not be copied, reprinted or redistributed without prior written approval Guardian Industries Connecting Incentives to Biometric Results 1

2. All rights reserved. May not be copied, reprinted or redistributed without prior written approval About 20,000 covered lives in health care 60 major manufacturing locations in 21 countries, on five continents 3 main businesses  Flat Glass/Auto Glass  SRG Global (auto trim)  Guardian Building Products Unique culture  Entrepreneurial and de-centralized  “A Hatred of Bureaucracy”  Accountability extends to personal health  Significant leadership support, leverage competition and winning About Guardian 18,000 Employees Worldwide 8,000 U.S. Employees Headquartered Auburn Hills, Michigan 2

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5. HealthGuard Timeline HDMS – began data warehouse ActiveHealth – began care considerations HFC – nurse screenings and health risk assessments in U.S. plant locations ActiveHealth – began condition management Added Nutritionist/Dietician services for:  Diabetes  Obesity  Eating disorders HealthGuard  Best practice elements defined  Audit format introduced  45 global plants audited All Guardian U.S. property tobacco-free $0 copay for tobacco cessation drugs 200620072008 5

6. All rights reserved. May not be copied, reprinted or redistributed without prior written approval 6 HealthGuard Timeline VBID – Half-priced prescriptions when indicated for condition management and engaged with ActiveHealth coach All Guardian global plants tobacco-free Required screenings/physicals with HRA or face penalty Redesigned Winner’s Circle exercise program:  Simplified cash rewards  Added weight loss incentives $5 routine physicals and cancer screens in all U.S. plans Required screenings/physicals with HRA to include spouses in the U.S. Quit for Life tobacco cessation added in all U.S. locations $5 colonoscopy and polyp removal added 200920102011

7. All rights reserved. May not be copied, reprinted or redistributed without prior written approval HealthGuard Expectations for 2012 Establish link between health behaviors and health benefit outcomes Employee and spouse need to complete a health screening and the online Health Risk Assessment (HRA) Employee and spouse need to complete Quit For Life or pay surcharge if using tobacco products Employee and spouse need to engage with a Health Coach if contacted by ActiveHealth or pay a surcharge Surcharges:  Can be removed for behavior change  Combined tobacco and condition management surcharges are $18/week  Applied separately to employee and spouse Members notified of requirements well in advance 7

8. All rights reserved. May not be copied, reprinted or redistributed without prior written approval HealthGuard was communicated and administered as integral part of Guardian Industries Health Plan Before the Health Risk Assessment requirement was implemented in 2010, HRA questions that could disclose any genetic information were eliminated Guardian never receives any individual health information from HRAs, screenings, or physical exams, only aggregate, de-identified data The $18/week maximum surcharge is less than 20% of the total cost of single coverage The $36/week maximum surcharge (if both the employee and the spouse do not comply) is less than 20% of total cost of two-person coverage New benefit for 2012: $0 copay for annual screening by dermatologist HealthGuard Program Structure 8

9. All rights reserved. May not be copied, reprinted or redistributed without prior written approval Open Enrollment Results over 12,104 employees and spouses completed screenings or physicals with HRA’s of employees and 15% of spouses attested to their tobacco use (Up from 22% in 2011) 860 of the 945 ActiveHealth identified employees and dependents, have successfully engaged an ActiveHealth nurse coach Created video of Guardian employee success stories 9

10. All rights reserved. May not be copied, reprinted or redistributed without prior written approval Employee and spouse contributions will be based in part on compliance with four standard Health Measures  Blood Pressure  Total Cholesterol Communicated in four separate campaigns prior to 2013 effective date Screenings/HRAs done in U.S. plants each summer Health Measure thresholds were deliberately set at easily attainable levels, to sweep in only the clear outliers  We don’t expect anyone to run a marathon  If you don’t meet these health measures, you probably should speak to your doctor Surcharge waived if employee/spouse provides HFC with doctor’s certification that compliance with standard is unreasonably difficult or medically inadvisable and the employee/spouse is under doctor’s care for condition Guardian Strategy for 2013 – Health Measurements 10  Blood Glucose/Blood Sugar  Body Mass Index (BMI) or Waist Measurement

11. All rights reserved. May not be copied, reprinted or redistributed without prior written approval How Many Members will be Affected? 11

12. All rights reserved. May not be copied, reprinted or redistributed without prior written approval NEW - Starting in 2013, $4 copay generic prescriptions for:  Blood Pressure  Blood Glucose/Blood Sugar  Cholesterol What Benefits are New for 2013? The BMI / Waist Measurement standard can be satisfied by:  ActiveHealth’s Weight Management Program  If you prefer to be under your doctor’s care for weight reduction, the Plan will pay your office visits and related lab work with a $0 copay  NEW - Starting in 2013, completion of on-site Weight Watchers program 12

13. All rights reserved. May not be copied, reprinted or redistributed without prior written approval A Look at the Data for Potential BMI Outliers Employees that ‘fail’ the BMI criteria based on current survey data incur 38% more claims costs than normal BMI Trend for this group was 18% in 2011 ER rates/1000 were 78% higher than the normal BMI Group 12% were actively enrolled in a DM program at the end of 2011 – most were enrolled for multiple conditions including morbid obesity 13

14. All rights reserved. May not be copied, reprinted or redistributed without prior written approval 14 How Will the Surcharges Work in 2013?

15. All rights reserved. May not be copied, reprinted or redistributed without prior written approval 15 How Will the Surcharges Work in 2013?

16. All rights reserved. May not be copied, reprinted or redistributed without prior written approval Never condescend Long lead times Transparency Spouse involvement Brand your Program Three times by three media Communication Strategies Brochure basics  Color  Bullets  Lists  Graphics  White space  Short declarative sentences  Active tense  5th grade reading level  Tell a story, give a timeline, use examples Close with Action Steps 16

17. All rights reserved. May not be copied, reprinted or redistributed without prior written approval Improved health leads to reduced risk and lower claims Manufacturing environment:  75% male, average age 43, some network consolidation, no cost- shifting in plan designs or 80/20 company/employee cost share Competitive advantage: HR acting as a strategic partner Outcomes from HealthGuard Initiatives Time PeriodMarketGuardian Annual Increase in 20118-10%<1% Increase in per employee cost 2008-2011 (4 years) 32-35%9% Increase in per employee cost 2005-2011 (7 years) --24.5% 17

18. All rights reserved. May not be copied, reprinted or redistributed without prior written approval Guardian Active Health Cost vs. Trend Linear 18

19. All rights reserved. May not be copied, reprinted or redistributed without prior written approval  Make it matter  Leverage the culture  Anticipate adverse reactions  Change the vocabulary  Remove road blocks  Provide choices Lessons Learned  Explain WHY  Build in phases  Manage the 2%  Integrate data  Make health a visible part of company culture 19

20. All rights reserved. May not be copied, reprinted or redistributed without prior written approval Eye Med HMSA, EAP BCBSM Medco Delta MMO Medical Carriers Health Fitness Corp ActiveHealth HealthGuard Benefits Work Flow BOS ( COBRA ) THUR. Retiree Updates HR/EBAs Enter new hires, status changes, terms into payroll Mondays Terminated Employees AON HEWITT Employees Enroll and Make Changes Wednesdays CYBORG Glass/SRG Payroll Systems INFINIUM GBP WED.MON. Wellness Vendors Quit for Life MON. HDMS Fridays 20

21. All rights reserved. May not be copied, reprinted or redistributed without prior written approval 21 Questions?