2017 BENEFITS GUIDE New logo options with ame: Staff Perm

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
New logo options with flame:

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
   3 From the Chief HR Officer       20 Income Protection
   4 What’s new                      22 Retirement Planning
   5 Enrollment                      24 Other Benefits
   6  Eligibility and Qualifying   27 Legal Notices
         Life Events                 31 Who to Contact
  7      Medical Plan Overview

  11    HSA Overview

  15    Prescription Benefits

  16    Flexible Spending Accounts

  18    Dental Plan                                                                    Income Protection
  19    Vision Plan

                                                                         At Santander Consumer USA, your benefits
                                                                         are a key part of your total work-life
                                                                         experience. This guide will provide you an
                                                                         overview of your 2017 benefit options.

                                                                         We encourage you to review this
                                                                         information thoroughly with your spouse
                                                                         or other covered dependents in order

                                                                         to understand all of the benefit options
           Medical Plan Overview
                                                                         available to you as an SC Associate.

   You must actively enroll by
   November 11, 2016, if you want
   medical coverage for 2017.

If you (and/or your dependents) have Medicare or will become eligible for Medicare in the next 12 months, a federal law gives you
more choices about your prescription drug coverage. Please contact SC Benefits for more details.

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
                      It’s open enrollment time! The 2017 Annual Open Enrollment period
                      is October 31 – November 11, 2016. During this time, we recommend
                      that you review the plans offered to select the best benefits plan for
                      you and your family. Changes have been made to our plans, requiring
                      all Associates to re-enroll.

Our goal is to use innovative solutions to provide you with flexible options that allow you
to select the program that’s best for you. The changes we made give you choices, while
supporting a healthier workforce and managing healthcare costs.

We have a strong program this year, with many choices for you to consider as you make
your elections. Researching and understanding your benefits enables you to make the best
decisions for you and your family. Please review all the plans closely as there will be changes
to your out-of-pocket expenses in 2017.

Each year we work to create a comprehensive, flexible and attractive benefit program
designed to give you the care you need at competitive costs, while helping you live a
healthier life.

If you have any questions, please reach out to our benefits team at: SCBenefits@
santanderconsumerusa.com. And don’t forget to actively enroll and make your selections
by November 11!

Lisa VanRoekel
Chief Human Resources Officer

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
Our program for 2017 gives you more opportunity than ever before   The new SC HSA Plan gives you
to use your benefits the way you want to use them:
                                                                   the ability to control your health
	BENEFITS ENROLLMENT IS ACTIVE:                                   care dollars. As part of the plan,
	Which means you must enroll if you want medical, dental
  and vision coverage for 2017.                                    SC will fund your personal health

 If you do not make your benefits elections during open
                                                                   savings account (HSA) with $500
 enrollment, you may not be covered under an                       for single coverage and $1,000
 SC medical plan for 2017.
                                                                   for family coverage annually. The
	NEW PAID TIME OFF PROGRAM (PTO):                                 SC HSA gives you flexibility in the
 We heard you in your desire for more support and time to
 do the things you love, so we’re expanding our paid time          way you manage health costs.
 off (PTO) program for 2017.

	A NEW SC HSA MEDICAL PLAN:                                       SC is offering a new voluntary
 Lower out-of- paycheck costs and the opportunity to save,         critical illness plan through
 tax-free, in a health savings account (HSA). This plan gives
 you freedom and flexibility.                                      MetLife to help protect your
                                                                   family’s budget in an event of
 In the event of a critical illness, your expenses may go          critical illness.
 beyond those covered by traditional medical plans, but
 we want you to have the protection you need.

Making the most out of the benefits and programs we
offer is up to you!

Please contact SC Benefits:

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
If you do not elect or change your coverage for 2017, you may not have medical or flexible spending account coverage
in 2017. Your current life, disability and 401(k) elections will roll over.

Make sure your mailing address is current in Workday, as this is where your tax forms will be mailed.

     » Log onto Workday Employee Self Service through Citrix or enroll online from your home using the following
       link in your browser: https://wd5.myworkday.com/scusa.
     » Y our user name will be your Associate ID number. Your password will be the personal one you created when
       you first logged on. If you need to reset your password select forgot password?
     » O
        nce in your Workday account, you will see a task in your Workday inbox. Click the inbox icon in the upper right
       hand corner. Next, click your benefit enrollment event.
     – B
        e sure to add or update your dependents’ Social Security numbers. These are needed for
       government-mandated reporting.
     » Select the Elect or Waive button next to each benefit election row.
     » In the Enroll Dependents column, you can add or remove dependents as necessary. To add a new dependent
       click the Create link. You only need to create dependents one time for all plans.
     » Continue through each page until complete. Review your elections for accuracy and, if correct, you must
       review and select the Agreement check box and then select the SUBMIT button to finalize your elections.
     » T he confirmation will let you know you have successfully submitted your benefits enrollment. Select Print to
       generate a printable version of this summary for your records.

   If you enroll new dependents into SC Benefits, you will be contacted by the company Hodges Mace to verify your
   new dependent(s).

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
ELIGIBLE ASSOCIATES                                           QUALIFYING LIFE EVENT
Regular, full-time Associates scheduled to work at least      The only times you can make a change to your benefit
30 hours per week are eligible for benefits. Part-time        elections are during open enrollment or if you have a
Associates are only eligible for PTO.                         qualifying life event. Election changes must be made within
                                                              31 days of the life event date.
Medical, prescription                                         A qualifying life event is:
drug, dental, vision, HSAs,           Date of hire
flexible spending accounts                                       » Birth or adoption of a child by the Associate
                              First of the month following       » Marriage or divorce of the Associate
Life and AD&D Insurance            90 days of full-time
                                       employment                » Death of the Associate’s spouse and/or dependents
                               First of the month following      » Dependent’s loss of eligibility
Disability                        12 months of full-time
                                        employment               » G
                                                                    ain/loss healthcare coverage for Associate’s
                              To contribute: Date of hire          spouse due to employment changes
                                 To receive SC match:            » S uch other events permitted under I.R.S. Section
                                 First paycheck following
                                  six months of full-time          125 or any other applicable guidelines by the I.R.S.
401(k) Retirement Plan
                                employment (six-month            » G
                                                                    ain/loss of eligibility for Medicaid/CHIP (60 days to
                              waiting period applies to new
                              hires between June 1, 2016,          enroll or cancel coverage; rather than the 31 days for
                                and December 31, 2016)             all other qualifying life events)

                                                              The change to your benefits election must be consistent
ELIGIBLE DEPENDENTS                                           with the change in family status (e.g. birth of child
   » Legal spouses, same or opposite sex                      allows the plan to add a newborn, not drop your current
                                                              coverage). In addition, you must provide supporting
   » Any legal dependent up to age 26
                                                              documentation before a benefit change will be processed.
   » A
      ny child under legal guardianship of Associate
     up to age 26, except where otherwise noted               If you experience a qualifying life event, please report it via
   » Stepchildren of Associate up to age 26                   email to SC Benefits or through the Benefits Link in the
   » Dependent child(ren) ordered to be covered              Workday system.
     through a Qualified Medical Support Order
   » A
      ny child meeting the criteria above who is over
     the age of 26 and legally incapacitated

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
This year, we are offering two plan options through Aetna for you to consider: the SC PPO and the SC HSA.
  » The SC PPO plan features traditional copays and coinsurance costs.
  » T he SC HSA Plan offers you the option to contribute to a health savings account (HSA) and receive a pre-tax
    benefit for any funds deposited into the account.

                                     THE BASICS: HOW DO THE PLANS COMPARE?
                                                           SC PPO                                       SC HSA

Bi-weekly rates                                              Higher                                       Lower

                                                                                          Health savings account for medical,
                                                                                           dental and vision expenses to use
Pre-tax account option                       Option to elect health care spending                now or in the future.
Making pre-tax contributions saves you         account for medical, dental and
money on expenses you would already have.       vision expenses this year only.            Option to elect limited health care
                                                                                            spending account for dental and
                                                                                             vision expenses this year only.
                                                                                          Up to $500 annually for Associate-only
                                                                                         coverage and up to $1,000 annually for
Savings account contribution from SC                         None                      Family coverage, deposited quarterly ($125
                                                                                       per quarter for Associate only coverage and
                                                                                          $250 per quarter for Family coverage)

                                              Lower, and any one individual, even           Higher, and any one individual or
On both plans, you’ll pay the full cost of
                                             on family coverage, is only responsible         combination of individuals can
the deductible before the plan begins
                                               for meeting the single deductible.          satisfy the entire family deductible.
paying a percentage of the costs.
                                               Yes: Continue paying copays even
Medical Expense Copays                                                                                 No copays
                                                 after deductible has been met

Out-of-pocket maximum
On both plans:
 – Once you hit the maximum, the plan
    covers 100 percent of your costs.                        Higher                                       Lower
 – Any one individual, even on family
   coverage, is only responsible for the
   single out-of-pocket maximum.

  Still not sure which medical plan is right for you? Meet ALEX, your benefits resource.
  Visit the SC Source Benefits page to see how he can help you better understand your
  benefit options!

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
                                               2017 SC PPO                                            2017 SC HSA
    FINANCIAL DETAILS:              IN-NETWORK                  OUT-OF-NETWORK            IN-NETWORK              0UT-0F-NETWORK
 Annual SC HSA Contribution
   - Associate-only                                      None
                                                                                          ($125 deposited quarterly for Associate only
   - Family
                                                                                       coverage and $250 per quarter for Family coverage)
   - Single                             $1,500                        $6,000                   $2,500                    $10,000
   - Family                             $3,000                       $12,000                   $5,000                    $20,000
 Out-of-Pocket Max
   - Single                              $7,000                      $28,000                  $5,000                     $20,000
   - Family                             $14,000                      $56,000                  $10,000                    $40,000
 Preventive Care                          0%                    50% after deductible             0%                50% after deductible

 Primary Care Physician                $25 copay                50% after deductible    30% after deductible       50% after deductible

 Specialist Physician                  $40 copay                50% after deductible    30% after deductible       50% after deductible
                                 $250 copay then 30%              $250 then 50%
 Inpatient Hospital                                                                     30% after deductible       50% after deductible
                                    after deductible              after deductible
 Outpatient Surgery               30% after deductible          50% after deductible    30% after deductible       50% after deductible

 Chiropractic                          $25 copay                50% after deductible    30% after deductible       50% after deductible

 Emergency Room                                    $350 copay                                         30% after deductible

 Urgent Care                                        $50 copay                                         30% after deductible

 Teladoc through Aetna                 $25 copay                   Not Applicable       30% after deductible          Not Applicable

      » Register at www.aetnanavigator.com for access to Explanation of Benefits (EOBs), provider directories
        and view plan details, etc.
      » To locate a provider in the Aetna Choice POS II network, visit the Aetna Provider Network Directory.
      » To print a replacement ID card, log in to www.aetnanavigator.com and click “ID Card” under “Related

The benefits noted here and on other pages are only a summary. For full plan details, request a copy of plan documents from
SC Benefits.

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
Rates are changing for 2017. Please be sure to review all plan options available to you in order to determine the best
option for you and your family. Please note, the contributions below are before any credits you receive for reaching
Vitality status.

COVERAGE LEVEL                                         SC PPO                                  SC HSA
Associate Only                                           $29.38                                  $23.60

Associate + Spouse                                      $171.90                                 $138.06

Associate + Child(ren)                                  $116.36                                  $84.96

Associate + Family                                      $255.05                                 $182.90

                                                                             Consider enrolling in the
                                                                             SC HSA. You can save
                                                                             pre-tax dollars to use on
                                                                             health expenses now or in
                                                                             the future.

2017 BENEFITS GUIDE New logo options with ame: Staff Perm
Through Aetna, our medical partner, we offer a wide range of tools and programs to help enhance your coverage and
improve the health of you and your family.

                Skip unnecessary and time-consuming emergency room and urgent care visits. Use Teladoc, through
                Aetna, to speak with a licensed doctor 24/7/365 via phone or video. Teladoc doctors can diagnose and
                treat medical conditions. Unlike the WhiteGlove Service, Teladoc expenses apply to your deductible
                and out-of-pocket maximum.

                Talk to a doctor in minutes (not hours) at (800) Teladoc (835-2362). You can download the Teladoc app
                through both iPhone and Android app stores.

                AETNA iTRIAGE
                Navigate and take charge of your health from the palm of your hand with iTriage, a free mobile app
                from Aetna that you can download from the Apple App Store or Google Play. iTriage gives you on-the-go
                access to health care information, treatment options and in-network doctors and facilities, saving you time
                and money. As a member, you can quickly and easily view your:
                » Aetna member ID card
                » Claim details and history
                » Important Aetna contact numbers
                » Research symptoms and manage costs

                No smartphone? No problem. Visit www.itriagehealth.com.

Aetna’s ITC coaching program provides your own personal nurse for you and your family. You can call with questions
about a new diagnosis, ways to get healthy or questions about finding a provider or having a procedure, and they can
provide you with the support you need. You can connect with a nurse by calling (888) 597-9964.

If you enroll in our new SC HSA Plan, you’ll have access to a health savings account administered by Discovery
Benefits. The HSA helps you save pre-tax dollars for use on health expenses now or in the future. The account is yours,
even if you change plans in the future or leave SC. The balance rolls over each year, accruing interest tax-free.
Here’s how the plan works:
   1. W
       hen you go to the doctor or pharmacy, you pay the full cost of care until you reach the deductible. Preventive
      care is covered at no cost, no deductible. For a full list of services designated as preventive care, visit www.aetna.com.
   2. Once you reach the deductible, the plan shares the cost of care through coinsurance.
   3. S C contributes quarterly into your account up to an annual contribution of $500 single/$1,000 family. You can
      contribute pre-tax dollars through payroll deductions up to 2017 IRS limits. See the “Contributing to Your HSA”
      section of this guide.
   4. A
       ll funds remaining in your HSA after the end of the plan year roll over. That allows you to continue saving for
      longer-term healthcare expenses, including your healthcare needs in retirement. And if you leave SC, you take your
      savings with you.

  FREE IN-NETWORK                                                                                           OUT-OF-POCKET
  PREVENTIVE CARE                               HEALTH SAVINGS ACCOUNT                                        MAXIMUM
  The plan pays 100 percent of                                                                              Once your eligible
  covered preventive services           Employee / Employer               Unused money rolls over           expenses reach the
  with no deductible – including        Pre-tax contributions                                               out-of-pocket maximum,
  preventive prescriptions – so                                                                             the plan pays 100 percent
  you pay nothing.                                                                                          of eligible expenses
                                                                                                            for the year.

  You can use your HSA to help pay your deductible,
     coinsurance and other qualifying expenses.                    OR            You can save your HSA dollars for the future.

                                                  Other qualifying           Balance rolls over each
    Deductible              Coinsurance                                                                            After age 65
                                                     expenses                         year

You pay 100 percent     After you satisfy the    Use to pay qualified       The HSA balance rolls over     After age 65, use funds
of eligible expenses    in-network               expenses, including        each year, accruing interest   penalty-free for other
until you meet          deductible, the plan     those not covered by       tax-free, like a retirement    expenses (you’ll pay tax for
the deductible.         pays 70 percent and      medical insurance like     account for health expenses.   non-health care use).
                        you pay 30 percent       LASIK.

If you enroll in the SC HSA plan, you will need to log on to Discovery Benefits at www.discoverybenefits.com and
accept the terms and conditions to activate your account. Don’t miss this important step, as you won’t be
able to access your funds and SC will be unable to make contributions. When you enroll, please enter
the information carefully as this will be used to verify your enrollment information. Your account will be opened
within three business days. If Discovery Benefits needs additional information they will reach out to you. Once you’re
enrolled into Discovery Benefits system by SC, you will receive your debit card within 10 – 14 business days. If you
already have a Discovery Benefits debit card for an HSA, you will continue to use the same card for your HSA.

You and SC contribute pre-tax money to your account to save for out-of-pocket health care expenses. SC will
contribute $500 for single coverage and $1,000 for family coverage in 2017, deposited in quarterly installments. For
SC to deposit funds on your behalf, you must select the HSA and activate your account - even if you
do not plan on making contributions.

The IRS has set limits on the total amount you can contribute to a health savings account each calendar year. All
contribution limits include both employee and employer contributions. In 2017, the maximum Associate contribution is
$2,900 if you’re on single coverage and $5,750 if you’re on family coverage. If you're over 55, the IRS allows you to
contribute an additional $1,000.

Remember, any money you don’t spend grows year after year and can be used in the future, even after you retire.

The HSA is a tax-advantaged account and the IRS has certain restrictions about who is eligible to open or contribute to
an HSA account. You are not eligible if you are:
  » Covered by a non-high deductible health plan, whether through SC or your spouse’s or parent’s
  » E nrolled in a regular health care flexible spending account, including your spouse’s. (You may be enrolled in a
    limited health care flexible spending account.)
  » Covered under Medicare or Medicaid
  » A veteran enrolled in Tricare
  » Claimed as a dependent on someone else’s tax return

Download the free Discovery Benefits mobile app for HSA benefits to check account balances, upload receipts,
view plan dates or contact customer service.

You can use the money in your HSA account to pay for qualified medical, dental and vision expenses, such as
deductibles, coinsurance, prescriptions, dental care, vision care, LASIK, fertility treatments and eye glasses. You can
even use your funds on medical expenses for your dependents who are not covered under our benefits.

For a full list of qualified expenses, go to www.irs.gov and search for Publication 502.

Before you reach the age of 65, if you use HSA funds on ineligible expenses, you will owe a 20 percent penalty tax plus
income tax on the withdrawal. After age 65, if you use HSA funds on ineligible expenses, you will owe income tax only.

When possible, use your HSA debit card to pay for expenses. Make sure you keep records of your receipts. You will need
them to prove that you spent the money on qualified expenses if you are audited by the IRS.

   The HSA is a personal savings account that you can use for eligible healthcare expenses.

   1. It’s all yours. You own, manage and control the account. Unused funds earn interest and roll over from year-
      to-year. You can keep and use the account for as long as you want, even if you change plans.

   2. You get pre-tax advantages. Any contributions you make are automatically deducted from your paychecks
      pretax, which lowers your taxable income. The funds in your account earn interest over time, tax-free. And the
      funds you use continue to be tax-free as long as you use them for eligible expenses. (See IRS publication 502
      for a full list.)

   3. You can use it when you want. You can use your HSA to pay for current medical expenses or save it to build
      a financial nest egg for the future – even for retirement. If you don’t use it, you don’t lose it. If you leave SC,
      your funds go with you.

Vitality is a program that challenges you to choose healthier habits, improve your “Vitality Age™” and understand how
that impacts your life. With the Vitality Program, you can earn Vitality Points™ by completing healthy activities, such as:
  » Assessments: Health, mental well-being and physical activity reviews
  » Screenings: including a Vitality Check to measure body mass index, blood pressure, cholesterol and fasting
     glucose levels. Be on the lookout for more information on screenings in 2017!
  » Physical activity: Gym visits, fitness device tracking, sports league membership, etc.
  » Online tools: Nutrition courses, interactive calculators and helpful articles
  » Company-wide challenges: Focusing on physical activity, nutrition, earned points, etc.

You can register for Vitality any time you are enrolled and active in an SC Aetna medical plan by following the steps:
  1. Create your own confidential Vitality member account by logging on to www.powerofvitality.com and click on
     Register Now! in the middle of your screen.
  2. Complete the short form and choose your own username and password.
  3. Once you’re registered, activate your account by completing the Vitality Health Review™, a series of questions
     about your current health status. When you’re finished, you will receive your Vitality Age, a measurement of how
     your lifestyle and habits may cause you to be younger or older than your actual age.

                                                                                     Your earned points
                                                                                     count toward your Vitality
                                                          - $16                      Status, which can earn
                                         - $9                                        you up to $16 off of your

                     - $4                                                            bi-weekly medical plan


                                                                                     rates. Your Vitality Status in

                                                                                     2016 determines your 2017
                                                                                     credit. Contact SC Benefits
                                                                                     for more information.

If you enroll in medical coverage, you are automatically enrolled in prescription drug coverage through Express Scripts, Inc. (ESI).

                                                 SC PPO                                               SC HSA
                                   RETAIL                HOME DELIVERY                   RETAIL                HOME DELIVERY
                              (30-DAY SUPPLY)            (90-DAY SUPPLY)            (30-DAY SUPPLY)            (90-DAY SUPPLY)
                                 Same as other                                       you pay $0; 100%           you pay $0; 100%
 Preventive*                                               Applicable copay
                                  medications                                             covered                    covered
                                                                                   you pay 30% after you      you pay 30% after you
 Generic                          you pay $10                you pay $20
                                                                                      meet deductible            meet deductible
                                                                                   you pay 30% after you      you pay 30% after you
 ESI preferred brand              you pay $35                you pay $70
                                                                                      meet deductible            meet deductible
                                                                                   you pay 30% after you      you pay 30% after you
 Non-preferred brand              you pay $50               you pay $100
                                                                                      meet deductible            meet deductible

 Out-of-Network                   Not Covered                Not Covered                Not Covered                Not Covered

* A
   ll drugs deemed preventive by the U.S. Preventive Services Task Force (USPSTF) are covered at 100 percent under both medical plans.
  ESI and SC have identified additional preventive medications that are covered at 100 percent under the SC HSA plan only.

You have more control over what you pay for your prescriptions than                     On the SC HSA plan, you will
you may realize. Here are some helpful features of our program that
help you spend less on the drugs you need.                                              be responsible for the full
  1. O
      n the SC HSA plan, all preventive drugs are covered                              cost of your non-preventive
     at 100 percent, no deductible. That means prescriptions like
     blood pressure medications are provided at not cost for you!                       medications until you meet
  2. E SI’s prescription drug library can be accessed on your
                                                                                        the deductible. Let your
     mobile device. Download the ESI app to make sure that you can
     access this information while meeting with your doctor. You can                    doctors know you have an
     work with your doctor to find the drug that is clinically appropriate
     and cost effective.                                                                HSA plan to see if any lower
  3. U
      se ESI Home Delivery Pharmacy. Visit www.express-scripts.                        cost prescription options are
     com, sign in and choose which of your current maintenance
     medications you’d like to receive through home delivery. Or you can                available. Don’t forget, SC
     call ESI at the toll-free number on your ID card.
                                                                                        contributes funds to your
                                                                                        HSA to help you cover those
                                                                                        initial costs.

Flexible spending accounts through Discovery Benefits allow you to set aside pre-tax dollars to cover eligible expenses.
The amount you chose to contribute to your account will be deducted from your paycheck over 26 bi-weekly payments
in 2017.

Some card purchases and all paper-claims purchases may require additional proof through the
www.discoverybenefits.com website or mobile app. Be sure to save receipts showing the date, description of
item/service, and provider/service name.

When you first enroll in the health care or limited health care spending account, you will receive a debit card from
Discovery Benefits. If you already have a card from 2016, you will continue to use it.

A health care spending account (HCSA) covers eligible medical, dental and vision expenses. Associates who enroll
in the SC HSA plan are not eligible to enroll in the HCSA. You can set aside from $100 to $2,600 per year for
eligible expenses. The entire amount of your election is available on the first of the year.

Associates enrolling in the SC HSA plan may also enroll in a limited use health care FSA to cover eligible dental and
vision expenses only. You can set aside from $100 to $2,600 per year for eligible expenses.

   For a detailed list of expenses
   that can be paid with a flexible
   spending account, go to
   Refer to your Benergy site for
   additional details on the DCSA.

The dependent care spending account (DCSA) reimburses you for expenses that you incur caring for your dependents
while you and your spouse are at work. Eligible dependents include both children and incapacitated adult dependents.

Common eligible expenses for DCSA are:
 » Licensed nursery school and day care facilities for your children
 » Child care in or outside your home
 » Day care for an elderly or disabled dependent
 » Summer day camp

For 2017, dependent care annual household contribution limits are $5,000 if you are single or married but filing jointly,
and $2,500 if you are married and file a separate tax return.

                                                                                      LIMITED HEALTH CARE         DEPENDENT CARE
                                        HSA                 HEALTH CARE FSA
                                                                                              FSA                      FSA
                              Only Associates who elect                               Only Associates who elect
                                                           Only Associates who are
 Who is eligible?              coverage in the new SC                                  coverage in the SC HSA          All Associates
                                                           NOT on the SC HSA plan
                                      HSA plan                                                  Plan
 Tax-advantaged?                         Yes                          Yes                        Yes                        Yes
 Balance rolls over each
                                         Yes                 No – use it or lose it     No – use it or lose it     No – use it or lose it

 Accrues interest?                       Yes                          No                         No                         No

                                                                                                                     Expenses incurred
                                           Medical, dental, and vision -                                          while providing care for
                                                                                          Dental and vision
 Eligible expenses include:                 including certain items not                                           dependents – including
                                                                                           expenses only
                                          covered under plan, like LASIK                                          elders – like babysitting
                                                                                                                   or summer day camp.
                                $3,400 for Associate
 Annual contribution limit?     Only; $6,750 for all                $2,600                     $2,600                     $5,000
                                    other tiers
                              You and SC – SC funds up
                              to $500 for Associate only
 Who can contribute?                                               You only                   You only                   You only
                               and up to $1,000 for all
                                     other tiers
                               Yes - once the balance
 Investment options?                                                  No                         No                         No
                                  reaches $1,000

We offer access to two dental plans through Delta Dental: an Enhanced Plan and a Basic Plan. Both plans offer
in-network and out-of-network benefits, but if you visit a dentist in-network, your costs will be lower. Delta Dental ID
cards will be issued to Associates who select dental coverage.

Find an in-network dentist with the PPO or Premier networks by contacting the Delta Dental Customer Service
Department at (800) 521-2651, through www.deltadentalins.com, or on the Delta Dental mobile app.

                                            ENHANCED PLAN                                          BASIC PLAN
                                   (Access to PPO and Premier Network)                        (Access to PPO Network)
 BENEFITS                              IN-NETWORK            OUT-OF-NETWORK           IN-NETWORK ONLY          OUT-OF-NETWORK
 Calendar year Deductible for
                                   $50 Single/$150 Family    $50 Single/$150 Family   $50 Single/$150 Family   $50 Single/$150 Family
 Basic and Major Services
 Maximum Calendar year Benefit
                                           $1,500                   $1,500                   $1,500                   $1,500
 (per person)
 Orthodontia Coverage Lifetime
 Maximum (Child & Adult                    $1,500                   $1,500                    None                     None
 Preventive Services: six month
 check-up, cleaning and                    100%                      100%                     100%                     100%
 Basic Services: fillings           80% after deductible      80% after deductible     90% after deductible     90% after deductible
 Major Services: bridges,
                                    50% after deductible      50% after deductible     60% after deductible     60% after deductible
 dentures, crowns, inlays
 Orthodontic Services               50% after deductible      50% after deductible         Not covered              Not covered

DENTAL BI-WEEKLY RATES                                                   Access your dental benefits anytime with the
Rates are not increasing for 2017!
                                                                         free Delta Dental mobile app. Download the
 COVERAGE                   ENHANCED                BASIC                app from the App Store or Google Play to:
 LEVEL                        PLAN                  PLAN                     » Locate a Delta Dentist
 Associate Only                   $6.47              $3.61                   » Check benefits, eligibility, and claim status
 Associate + Spouse               $14.86             $7.58                   » Opt for paperless statements

 Associate + Child(ren)           $13.72             $8.22                   » View or print your ID card
                                                                             » Compare average dental costs in your area
 Associate + Family               $23.62            $14.92

You may enroll in vision coverage through Vision Service Plan (VSP). This plan helps pay the cost of periodic vision
examinations, and necessary lenses and frames if prescribed. To get the most out of your benefits, use an in-network
provider. To find a VSP provider, go to www.vsp.com.

VSP VISION                               VSP BASIC PLAN                                      VSP ENHANCED OPTION
BENEFITS                       IN-NETWORK                OUT-OF-NETWORK                   IN-NETWORK               OUT-OF-NETWORK
Eye Examination
                                    $10 copay                   $45 allowance                $10 copay                 $50 allowance
(one every calendar year)
Lenses (every calendar
                                    $25 copay                         N/A                   $15 co-pay                      N/A

Single Vision                Covered after copay                $30 allowance           Covered after copay            $50 allowance

Lined Bifocal                Covered after copay                $50 allowance           Covered after copay            $75 allowance

Lined Trifocal               Covered after copay                $65 allowance           Covered after copay           $100 allowance

                                 $130 retail                 $70 allowance (retail)   $150 allowance per year      $70 allowance per year
Frames Allowance
                            (one every other year)           (one every other year)   (one every calendar year)   (one every calendar year)

Contact Lenses (Elective)   $130 annual allowance        $105 annual allowance        $150 annual allowance       $105 annual allowance

No change to Vision rates for 2017!
COVERAGE                                        ENHANCED
                         BASIC PLAN                                           VISION ID PROCEDURE
LEVEL                                            OPTION
Associate Only              $1.22                    $2.92                    There is no ID card for Vision. All you need to
                                                                              do is give your provider your VSP identification
Associate + Spouse          $2.43                    $5.83
                                                                              number. Your VSP identification number is your
Associate +
                            $2.60                    $6.24                    employee ID# with three leading zeros (e.g.,
Associate + Family          $4.16                    $9.96

SC provides company-paid basic Life and AD&D coverage through Sun Life Financial equal to two times your base
annual salary, up to a maximum of $1,000,000.

You may enroll for life insurance during your initial enrollment period or during open enrollment. If you are interested
in enrolling for life insurance when initially eligible, you are guaranteed coverage for up to $350,000 for yourself and
$30,000 for your spouse without completing an evidence of insurability (EOI). If you elect over those guaranteed
amounts or you elect an initial or increased amount at subsequent open enrollment periods, an EOI application must be
completed and approved. Your newly elected life insurance coverage level and deduction for all life plans will not take
effect until your EOI is approved.

Please log onto www.mysunlifebenefits.com to complete your online EOI. Our plan number is #237916.
  » Supplemental Associate Life Insurance is available in increments of $10,000 up to $500,000 for Associates.
  » S pouse Life Insurance is available in increments of $10,000 up to $150,000 and may not exceed 50 percent of
     the Associate’s supplemental coverage*.
  » C
     hild Life Insurance is available in increments of $5,000 up to a maximum of $10,000. Coverage is available for
    children up to age 26.

                                                                        MONTHLY COST PER $1,000 OF COVERAGE
                                                                         ASSOCIATE/SPOUSE SUPPLEMENTAL LIFE COVERAGE
                                                                                    0-29                            $0.064
                                                                                   30-34                            $0.080
                                                                                   35-39                            $0.090
                                                                                   40-44                            $0.136
                                                                                   45-49                            $0.208
                                                                                   50-54                            $0.352
                                                                                   55-59                            $0.552
                                                                                   60-64                            $0.736
                                                                                   65-69                            $1.270

       Open enrollment is a great time                                              >70                             $2.072
                                                                        CHILD SUPPLEMENTAL LIFE COVERAGE (PER FAMILY)**
       to update your beneficiaries.                                               $5,000                           $0.80
                                                                                  $10,000                           $1.60

Note: Election of supplemental Associate life insurance is required to elect spouse and/or child life insurance. Once you have completed
your life insurance election, please be sure to complete and update your beneficiary election online in Workday. Please keep in mind
that beneficiary proceeds cannot be paid to minors.
* You may not cover a common law spouse or another SC employee under your spouse life benefit.
** If both you and your spouse are SC Associates
It is important to have a continuing source of income to protect you and your family during periods of extended illness
or injury. SC provides company-paid, short-term and long-term disability benefits through Lincoln Financial.

Short-Term Disability (STD)
The STD plan replaces 60 percent of your base pay up to a weekly maximum benefit of $1,500 for up to 11 weeks after
a 14-day waiting period.

Long-Term Disability (LTD)
After a 90-day waiting period (during which the STD plan may cover you), the LTD Plan replaces 60 percent of your base
annual salary (up to $10,000 a month) while you remain disabled as defined by the Plan.

Note: Associates residing in statutory disability states (California, New York, New Jersey, Rhode Island and Hawaii) are required to utilize
your state coverage before the Lincoln plans will pay out benefits.

Even with good medical coverage, the cost of a critical illness, such as cancer, heart attack and stroke, can really add up.
Some families spend as much as $14,444 or more during a time of a critical illness and recovery. While critical illnesses
are always unexpected, they don’t have to be financially devastating. Protect your family’s budget by enrolling for
MetLife Critical Illness Insurance today.

Critical illness insurance helps pay for both expected and unexpected expenses that arise from the diagnosis of a
covered critical illness such as cancer, heart attack or stroke for you and your covered family members. With this
voluntary plan, you can receive cash benefits directly from MetLife, giving you total control and flexibility over how you
use the money.

Choose coverage levels of $15,000 or $30,000, with coverage based on your tobacco usage status. Rates are age-
based and coverage is available for both you and your family members. Family members may elect coverage up to 50
percent of Associate election.

Starting January 1, 2017, visit my.benefits.com for access to medical plan information and claim forms. Once you log
on, enter “Santander” to access your medical plan information.

The SC 401(k) Plan is designed to help Associates save for retirement. All full-time and part-time Associates age 21
or older are eligible to participate day 1 of employment.

Fidelity Investments is the administrator of the SC 401(k) plan. Enroll on the Fidelity website at www.netbenefits.com.
You can also call the Fidelity Retirement Benefits Line if you need assistance enrolling at (800) 294-4015. You may
enroll and make changes at any time to your account.

Your next step is to decide how much you want to invest. Through payroll deductions, you may contribute any whole
percentage of your salary up to 75 percent. Currently, the annual limit is $18,000. However, if you are at least 50 years
of age you may be eligible to participate in a catch-up plan, which currently allows an additional $6,000 of contributions
each year.

There is also a Roth 401(k) option. Unlike traditional pre-tax 401(k) the Roth feature allows you to contribute on an after
tax basis but then withdraw tax-free dollars from your account when you retire (provided the distribution is qualified). If
you would like additional details about our Roth 401(k) plan you will find information in the Tools & Learning section of

All Associates receive a company match on their contributions of dollar for dollar up to the first six percent that you
contribute on the first paycheck after six months of employment. Therefore, if six percent of your payroll deduction is
                                                           $100 – SC will also deposit $100 into your 401(k) account
                                                           on your behalf. Matches are made immediately after each
                                                           payroll, and you are 100 percent vested in your company
                                                           match immediately.

                                                               The last step for enrollment is selecting how you want to
                                                               invest your contributions among the investment options
                                                               available. You may change your investment options of either
                                                               accumulated or future funds at any time. You can review all
                                                               the investment options available to you at

                                                               If you currently have a 401(k) plan with another employer
  Plan ahead so you can rest assured                           and would like to roll over those funds into your SC
                                                               account, please email us at SC Benefits and we will be
  later in life.                                               happy to send you the form and directions on how to
                                                               make that happen.

  1. It is never too early to prepare for retirement through a tax-deferred plan.
  2. W
      hen you contribute one to six percent of your earnings into a 401(k), you also get a dollar for dollar match.
     That’s free money!
  3. T ax benefits. Any pre-tax contribution you make lowers your taxable income, which reduces the amount you
     pay in taxes!
  4. Payroll deductions for your savings. The 401(k) plan provides an automatic savings device allowing you to put
     aside money first before you begin paying your normal living expenses. It is a good disciplined way to save.
  5. Loans and withdrawals are available in certain situations of a financial emergency. Keep in mind that there is a
     financial penalty for doing so.
  6. Potential earnings on your contribution through investments. Below is a hypothetical annual rate of return of
     seven percent and how much money you would have if you allowed it to grow over time.

Example of 401k Associate contribution and SC contribution match for an Associate with an annual salary of $50,000.*

                                                        ASSOCIATE CONTRIBUTION                    EMPLOYER MATCH
 3% Bi-weekly contribution                                                   $ 57                             $ 57

 6% Bi-weekly contribution                                                   $115                             $115

 10% Bi-weekly contribution                                                  $192                             $115
*For example purposes only and does not reflect actual Associate salary or contributions.

    Have more questions or need additional
    help? The Fidelity Retirement Benefits Line
    is your one-call resource for answers to
    questions about your plan or account. Call
    (800) 294-4015 for automated information
    24/7 or to speak to a representative call
    between 8:30 a.m. and 8:30 p.m. ET any
    business day.

The EmployeeConnect employee assistance program (EAP) is available to all full-time Associates and their
family members.

You may receive free assessment and referral services, short-term counseling (up to three visits per-year) and crisis
intervention for problems such as:
  » Marital and/or family issues
  » Emotional problems and personal issues
  » Alcohol and substance abuse
  » Disease-related issues
  » Legal-services
  » Financial counseling

Contact our confidential EmployeeConnect EAP team at 888-628-4824.

Bright Horizons provides family solutions for our Associates who find themselves needing short-term well and sick
child care or elder care.

You must enroll in Bright Horizons in 2017, and pre-registration is required online at
www.backup.brighthorizons.com (User name: WeCare101, Password: SCUSA2012) or you can
call: (877) BH-CARES (877-242-2737).

The 529 Savings Plan is a flexible college savings program that can be used to pay for qualified education expenses,
such as tuition, fees, room and board, books and other supplies needed at an institution of higher learning. Contact
SC Benefits to request a 529 enrollment form.

Similar to the FSA, these transit and parking benefits allow         Set aside pre-tax dollars for
you to set aside pre-tax dollars to be reimbursed for qualified
transportation expenses, such as parking and mass transit costs.     qualified transportation expenses.
You may change your election or terminate participation each
month before expenses are incurred. All contributions are made
on a monthly basis.

Discovery Parking:
  » Set aside up to $250 per month pre-tax
     se for parking reimbursement at work-site or public
  » U
    transportation facilities
     se of funds or ID cards only available while active on
  » U
    the plan, and all claims must be filed within 180 days

SC Transit:
  » Discount through DART
  » Regional passes $100 per month
  » Local passes $50 per month
  » Premiums paid through pre-tax deduction

THX Parking:
     irect access to Thanksgiving Tower Garage and
  » D
    LAZ Tower Garage
  » Premiums paid through pre-tax deduction

Members of the SC PPO have access to concierge medical care, WhiteGlove Health Membership Service, with
$25 home visits through July 2017. Your sick visit includes a medical consultation and generic prescriptions at no
additional charge, if needed. Members of the SC PPO also have access to Teladoc effective January 2017. Teladoc
replaces WhiteGlove starting August 2017 when the WhiteGlove program closes. Call WhiteGlove Membership
Support for login information at (877) 329-8081.

PAID TIME OFF                                                        DISCOUNT PROGRAMS
SC encourages work-life balance. One way to do that is               As a member of the SC family, you are afforded a variety
by offering paid vacation time. Our paid time off (PTO)              of discount programs. Discounts range from items like
program is expanding for 2017, giving you more time to               phone service, hotels, fitness programs and a large variety
do the things you love.                                              of entertainment discounts.

All full-time and part-time Associates accrue vacation               In addition, Associates and their family members are
days from date of hire. Vacation, sick, personal and                 eligible for automotive purchasing discounts as part of
floating holidays have been combined into one bank,                  the Chrysler Employee Advantage Discount Program.
allowing you to use your time as you want.
                                                                     Log onto the SC Source for more information about
           FULL TIME ASSOCIATE ACCRUALS1                             employee discounts. Please note the discount programs
                                                                     are subject to change at any time.
                     2016        2017                      VPTO
    TENURE                                   CHANGE
                     TOTAL       TOTAL                     DAYS3
    Year 1
                      14           22           +8             1
    Year 1
                      19           22           +3             1
    (Back Office)2

    Year 2-4          19           24           +5             1
    Year 5-9          24           27           +3             1
    10+               29           32           +3             1

                     2016        2017                      VPTO
      TENURE                                 CHANGE
                     TOTAL       TOTAL                     DAYS3
    Year 1 2           6           10           +4             0.5
    Year 2-4          7.5          11          +3.5            0.5
    Year 5-9          10          12.5         +2.5            0.5
    10+              12.5          15          +2.5            0.5
   All numbers represent days.
  Previous program included a 90-day waiting period.
  Associates are eligible to receive VPTO after 6 months of
                                                                        SC wants you to enjoy life. Take
Also note, SC observes six holidays a year – New Year’s
Day, Memorial Day, Independence Day, Labor Day,                         advantage of your PTO.
Thanksgiving Day and Christmas Day.

IMPORTANT NOTICE ABOUT YOUR PRESCRIPTION                                delivery, or less than 96 hours following a cesarean section. However,
DRUG COVERAGE AND MEDICARE                                              federal law generally does not prohibit the mother’s or newborn’s
If you (and/or your dependents have Medicare or will become eligible    attending provider, after consulting with the mother, from discharging
for Medicare in the next 12 months, a federal law gives you more        the mother or her newborn earlier than 48 hours (or 96 hours as
choices about your prescription drug coverage.                          applicable). In any case, plans and issuers may not, under federal
                                                                        law, require that a provider obtain authorization from the plan or the
In compliance with Medicare Part D requirements, we provide annual
                                                                        issuer for prescribing a length of stay not in excess of 48 hours (or 96
notices of creditable coverage to all members that are eligible for
Medicare coverage. This notice has information about your current
prescription drug coverage and about your options under Medicare’s
                                                                        NOTICE OF SPECIAL ENROLLMENT RIGHTS FOR
prescription drug coverage. This information can help you decide
whether or not you want to join a Medicare drug plan. If you are        MEDICAL/HEALTH PLAN COVERAGE
considering joining, you should compare your current coverage,          A federal law called HIPAA requires that we notify you about a very
including which drugs are covered at what cost, with the coverage       important provision in the Plan. The provision is your right to enroll in
and costs of the plans offering Medicare prescription drug coverage     the Plan under its “special enrollment provision” if you acquire a new
in your area. If you would like information about these notices, a      dependent, or if you decline coverage under this Plan for yourself or
full listing can be found on the company Intranet or by contacting      an eligible dependent while other coverage is in effect and later lose
HR Help.                                                                that other coverage for certain qualifying reasons.
                                                                          » Loss of Other Coverage (Excluding Medicaid or a State
                                                                              Children’s Health Insurance Program). If you decline enrollment
WOMEN’S HEALTH AND CANCER RIGHTS ACT                                          for yourself or for an eligible dependent (including your spouse)
The Women’s Health and Cancer Rights Act (“WHCRA”) requires
                                                                              while other health insurance or group health plan coverage is in
us to notify participants and beneficiaries of our Group Health Plan
                                                                              effect, you may be able to enroll yourself and your dependents
(the “Plan”), of their rights to mastectomy benefits under the Plan.
                                                                              in this Plan if you or your dependents lose eligibility for that
Participants and beneficiaries have rights to coverage to be provided
                                                                              other coverage (or if the employer stops contributing toward
in a manner determined in consultation with the attending
                                                                              your or your dependents’ other coverage). However, you
Physician for:
                                                                              must request enrollment within 30 days after your or your
   » All stages of reconstruction of the breast on which the
                                                                              dependents’ other coverage ends (or after the employer stops
      mastectomy was performed;
                                                                              contributing toward the other coverage).
   » Surgery and reconstruction of the other breast to produce a
                                                                          » Loss of Coverage For Medicaid or a State Children’s Health
      symmetrical appearance;
                                                                              Insurance Program. If you decline enrollment for yourself or for
   » Prostheses and treatment of physical complications of the
                                                                              an eligible dependent (including your spouse) while Medicaid
      mastectomy, including lymphedema.
                                                                              coverage or coverage under a state children’s health insurance
These benefits are subject to the same deductible and co-payments
                                                                              program is in effect, you may be able to enroll yourself and your
applicable to other medical and surgical benefits provided under
                                                                              dependents in this Plan if you or your dependents lose eligibility
this Plan. For further details, please refer to the Plan’s Summary
                                                                              for that other coverage. However, you must request enrollment
Plan Description.
                                                                              within 60 days after your or your dependents’ coverage ends
                                                                              under Medicaid or a state children’s health insurance program.
NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION                                  » New Dependent by Marriage, Birth, Adoption, or Placement for
ACT NOTICE                                                                    Adoption. If you have a new dependent as a result of marriage,
The following is the amended sample notice that a group health plan           birth, adoption, or placement for adoption, you may be able to
may use to satisfy the Newborns’ and Mothers’ Health Protection               enroll yourself and your new dependents. However, you must
Act disclosure requirement: Group health plans and health insurance           request enrollment within 30 days after the marriage, birth,
issuers generally may not, under federal law, restrict benefits for           adoption, or placement for adoption.
any hospital length of stay in connection with childbirth for the
mother or newborn child to less than 48 hours following a vaginal

  » Eligibility for Medicaid or a State Children’s Health Insurance      total cholesterol, LDL and HDL cholesterol, cholesterol/HDL ratio
     Program. If you or your dependents (including your spouse)           and triglycerides. You are not required to complete the HRA or to
     become eligible for a state premium assistance subsidy from          participate in the blood test or other medical examinations.
     Medicaid or through a state children’s health insurance program      However, employees who choose to participate in the wellness
     with respect to coverage under this Plan, you may be able to         program will receive an incentive of Vitality points that can be
     enroll yourself and your dependents in this Plan. However,           redeemed for merchandise in the Vitality store and a premium
     you must request enrollment within 60 days after your or your        discount based on status earned through Vitality. Although you
     dependents’ determination of eligibility for such assistance.        are not required to complete the Vitality Check or participate in
                                                                          the biometric screening, only employees who do so will receive the
MICHELLE’S LAW NOTICE                                                     incentive.
If you live in certain states, our plan may extend medical coverage
                                                                          Additional incentives including Vitality points that can be redeemed
for dependent children if they lose eligibility for coverage because of
                                                                          for merchandise in the Vitality store and premium discount based
a medically necessary leave of absence from school. Coverage may
                                                                          on status earned through Vitality may be available for employees
continue for up to a year, unless your child’s eligibility would end
                                                                          who participate in certain health-related activities, including
earlier for another reason.
                                                                          assessments, screenings, physical activity initiatives, online tools, and
Extended coverage is available if a child’s leave of absence from         company-wide challenges. If you are unable to participate in any of
school — or change in school enrollment status (for example,              the health-related activities or achieve any of the health outcomes
switching from full-time to part-time status) — starts while the child    required to earn an incentive, you may be entitled to a reasonable
has a serious illness or injury, is medically necessary and otherwise     accommodation or an alternative standard. You may request a
causes eligibility for student coverage under the plan to end. Written    reasonable accommodation or an alternative standard by contacting
certification from the child’s physician stating that the child suffers   HR Help.
from a serious illness or injury and the leave of absence is medically
                                                                          The information from your HRA and the results from your biometric
necessary may be required.
                                                                          screening will be used to provide you with information to help you
If your child will lose eligibility for coverage because of a medically   understand your current health and potential risks, and may also be
necessary leave of absence from school and you want his or her            used to offer you services through the wellness program, such as
coverage to be extended, contact Human Resources as soon as the           health coaching. You also are encouraged to share your results or
need for the leave is recognized. In addition, contact your child’s       concerns with your own doctor.
health plan to see if any state laws requiring extended coverage may
apply to his or her benefits.
                                                                          PROTECTIONS FROM DISCLOSURE OF MEDICAL
NOTICE REGARDING WELLNESS PROGRAM                                         We are required by law to maintain the privacy and security of your
SC Wellness Program is a voluntary wellness program available to          personally identifiable health information. Although the wellness
all employees. The program is administered according to federal           program and SC may use aggregate information it collects to
rules permitting employer-sponsored wellness programs that seek           design a program based on identified health risks in the workplace,
to improve employee health or prevent disease, including the              SC Wellness Program will never disclose any of your personal
Americans with Disabilities Act of 1990, the Genetic Information          information either publicly or to the employer, except as necessary
Nondiscrimination Act of 2008, and the Health Insurance Portability       to respond to a request from you for a reasonable accommodation
and Accountability Act, as applicable, among others. If you choose        needed to participate in the wellness program, or as expressly
to participate in the wellness program you will be asked to complete      permitted by law. Medical information that personally identifies you
a voluntary health risk assessment or “Vitality Check” that asks a        that is provided in connection with the wellness program
series of questions about your health-related activities and behaviors    will not be provided to your supervisors or managers
and whether you have or had certain medical conditions (e.g., cancer,     and may never be used to make decisions regarding
diabetes, or heart disease). You will also be asked to complete a         your employment.
biometric screening, which will include a blood test for glucose,

Your health information will not be sold, exchanged, transferred, or otherwise disclosed except to the extent permitted by law to carry out
specific activities related to the wellness program, and you will not be asked or required to waive the confidentiality of your health information
as a condition of participating in the wellness program or receiving an incentive. Anyone who receives your information for purposes of
providing you services as part of the wellness program will abide by the same confidentiality requirements. The only individual(s) who may
receive your personally identifiable health information are Aetna health nurses and Vitality staff in order to provide you with services under the
wellness program.
In addition, all medical information obtained through the wellness program will be maintained separate from your personnel records,
information stored electronically will be encrypted, and no information you provide as part of the wellness program will be used in making
any employment decision. Appropriate precautions will be taken to avoid any data breach, and in the event a data breach occurs involving
information you provide in connection with the wellness program, we will notify you immediately.
You may not be discriminated against in employment because of the medical information you provide as part of participating in the wellness
program, nor may you be subjected to retaliation if you choose not to participate.
If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact HR Help.

If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state may have a
premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If you or your children aren’t
eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you may be able to buy individual insurance
coverage through the Health Insurance Marketplace. For more information, visit www.healthcare.gov.

If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State Medicaid or CHIP
office to find out if premium assistance is available. If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you
or any of your dependents might be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW
or www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the premiums
for an employer-sponsored plan.
If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer plan, your
employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special enrollment” opportunity, and
you must request coverage within 60 days of being determined eligible for premium assistance. If you have questions about enrolling in your
employer plan, contact the Department of Labor at www.askebsa.dol.gov or call 1-866-444-EBSA (3272).

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums. The following list of
states is current as of July 31, 2016. Contact your State for more information on eligibility to see if any other states have added a premium
assistance program since July 31, 2016, or for more information on special enrollment rights, contact either:

U.S. Department of Labor                                                   U.S. Department of Health and Human Services
Employee Benefits Security Administration                                  Centers for Medicare & Medicaid Services
www.dol.gov/ebsa                                                           www.cms.hhs.gov
1-866-444-EBSA (3272)                                                      1-877-267-2323, Menu Option 4, Ext. 61565
OMB Control Number 1210-0137 (expires 10/31/2017)

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