1. HCL Benefits 2012

2. 2 Important Enrollment Information Key Items to know:  You must enroll in benefits within 30 days of your date of hire or you will void your opportunity to enroll for the year unless you have a life changing event.  A life changing event is Marriage/Divorce/Birth/Death- Spouse employed/terminated/changes jobs/leave of absence  It will take approximately 7 business days for CIGNA to receive your data. Once received you can go to mycigna.com & print our a temporary ID Card. Your permanent card will be mailed to your home address within 3 weeks.  FSA Flexible Spending Account must also be selected within 30 days of employment or you will void your opportunity to enroll for the year unless you have a life changing event.  Annual Open Enrollment: Each year you are eligible to enroll and change plans. This occurs in November for each year

3. 3 Premier PlanGold PlanStandard Plan Co-pay Office Primary / Specialist Annual Exams You pay $15 / $30 Cigna pays the rest No Co-pay Cigna pays 100% You pay No Deductible or Co- Insurance You Pay $15 / $30 Cigna pays the rest No Co-pay Cigna pays 100% You pay No Deductible or Co- Insurance You pay $20 / $40 Cigna pay the rest No Co-pay Cigna pays 100% You pay No Deductible or Co-Insurance Emergency Room Hospital Admit $100 per visit $200 per admission $125 per visit $250 per admission $150 per visit $300 per Admission Annual Deductible Paid 1x per Year $125 (3 max per family) For Hospital & Out patient $250 (3 max per family) For Hospital & Out Patient $500 (3 max per family) For Hospital & Out Patient Co-Insurance % you pay after Deductible You pay 0% of Bills after Deductible You pay 10% of Bills after Deductible You pay 20% of Bills after Deductible Maximum % you pay after Deductible Plan pays 100% after Deductible When you have paid $2,000 Plan pays 100% thereafter When you have paid $4,000 Plan pays 100% thereafter Prescriptions Generic Brand Non-Brand Annual Ded. $100 (3 max) $10 $20 $40 Annual Ded. $100 (3 max) $15 $30 $50 Annual Ded. $100 (3 max) $20 $30 $50 Mail Order (90 day) $20 / $40 / $80$30 / $60 / $100$40 / $60 / $100 Contributions (per Month) E- $175 E+1- $ 350 E+ Family - $ 475 E- $ 90 E+1- $ 180 E+ Family - $ 250 E- $ 65 E+1- $ 120 E+ Family - $ 180 3 PPO Plans – Detail Explanation Cigna Open Access Network of Providers

4. 4 What are Co-pays Deductible & Co-Insurance? Co-pays Paid Per Visit NO Deductibles No Co-Insurance Additional Fees* Paid Per Visit In Addition to Deductible Deductible then Co-Insurance* Deductible is an Annual Payment Co-Insurance is a % of bill you pay after Deductible 100% No Co-pay for Annual Wellness Exams Office Primary Visit Urgent Care Facility Immunization Lab and X-Ray Ob/Gyn Acupuncture Allergy Treatment Physical Therapy Speech Therapy Occupational Therapy Acupuncture Family Planning Chiropractic to $3K Annually Nutritional Evaluation (3 visits) Specialist Visit 2x Primary Visit Hospital Admission (per admission) Emergency Room (Waived if admitted) RX Annual Deductible In-patient/Out-patient Facility and Professional Charges: Hospital Room Operating Room Procedure Room Treatment Room Recovery Room Physician/Surgeon Anesthesiologist Radiologist Pathologist Ambulance Maternity Delivery and Prenatal Visits MRI and CAT Scans Substance Abuse Mental and Nervous Disorder Prosthetic Appliance Durable Medical Equipment Organ Transplant Home Health Care/Hospice Skilled Nursing Facility (120 days max) Bereavement Counseling Infertility Treatment Not Covered*NOTE: SPD for each plan is the final authority of plan

5. 5 When are Deductible & Co-Insurance Applied? Deductible & Co-insurance are paid when these services are used Premier Plan Gold Plan Standard Plan Cigna Pays 100% of Bills after you have paid the Deductible Cigna Pays 100% of Bills after you have paid $2,000 Cigna Pays 100% of Bills after you have paid $4,000 In-patient/Out-patient Facility and Professional Charges: Hospital Room Co-Insurance: You pay 20% of the next $20,000 in bills after you have paid the deductible. The maximum you will pay i$4,000 Operating Room Treatment Room Recovery Room Physician/Surgeon Anesthesiologist Radiologist Pathologist Ambulance Maternity Delivery and Prenatal Visits MRI and CAT Scans Co-Insurance: You pay 10 % of the next$20,000 in bills after you have paid the deductible The maximum you will pays is $2,000 Substance Abuse Mental and Nervous Disorder Prosthetic Appliance Durable Medical Equipment Organ Transplant Home Health Care/Hospice Skilled Nursing Facility (120 days max) Bereavement Counseling Annual Deductible $500 Annual Deductible $125 Annual Deductible $250

6. 6 When are Office Visits and Fees Applied? Premier Plan Gold Plan Standard Plan Office Visit $15 / $30 Office Visit $20 / $40 100% paid by Cigna NO Deductible or Coi- insurance Office & Urgent Care Visits: NO Deductible or Co-Insurance Office Primary Visit Urgent Care Facility Immunization All proceedures are covered at 100% after Co-Pay. Lab and X-Ray Ob/Gyn Acupuncture Allergy Treatment 100% No Co-pay for Annual Wellness Exams Physical Therapy Speech Therapy Occupational Therapy Acupuncture Family Planning 100% No Co-pay for Annual Wellness Exams PremierGoldStandard Fees Paid Each time You go to a Hospital or Emergency Room No Deductible or Co-Insurance unless admitted to Hospital Hospital Admit $300 Hospital Admit $250 Hospital Admit $200 Emergency Room $150 Emergency Room $125 Emergency Room $100

7. 7 Example of ‘Co-Pay’ Costs with 3 Preferred Provider Organization (PPO) Medical Plans: (In Network Comparison) Premier PlanGold PlanStandard Plan Co-pays 8 Office Visits (0ther than exams) 4 Specialist Visits $120 ($15 each) $120 ($30 each) $120 ($15 each) $120 ($30 each) $160 ($20 each) $160 ($40 each) 2 Emergency Rooms $200 ($100 each)$250 ($125 each)$300 ($150 each) 12 Generic RX $220 $100 (ded + $10 each)$280 (ded + $15 each)$340 (ded + $20 each) Your Co-Pay Costs $660 $770 $110 more than Premier $960 $300 more than Premier $190 more than Standard Your Annual Contribution for Each Plan vs. Saving by Switching to a Lower Cost Plan Ann. Cost Annual CostPemier to Gold Annual CostGold to StandardPremier to Standard Premier GoldAnnual Savings StandardAnnual Savings Employee$2,100 $1,080-$1,020 $780-$300-$1,320 Plus 1$4,200 $2,160-$2,040 $1,440-$720-$2,760 Family$5,700 $3,000-$2,700 $2,160-$840-$3,540

8. 8 Example of ‘Deductible’ and ‘Co-insurance’ $5,000 3 PPO Plans (In Network Comparison) Premier PlanGold PlanStandard Plan 1 Hospital Admit Fee (Does not count toward Max Out of Pocket Expense) $200$250$300 Annual Deductible (Does not count toward Max Out of Pocket Expense) $125$250$500 Co-Insurance-After Deductible None10% of next $4.5K = $45020% of $4.2K = $840 Your Co-Ins. Out of Pocket Fees/Deductibles/Co- Insurance. $325 $950 $625 more than Premier $1,640 $1,315 more than Premier $690 more than Standard Co-Insurance- After Deductible ( that count towards your out of pocket Maximum) None Plan pays 100% After you pay $2,000 Excluding: Co-pays / Fees / Ded. Plan pays 100% After you pay $4,000 Excluding: Co- pays/Fees/Ded. Your Annual Contribution for Each Plan vs. Saving by Switching to a Lower Cost Plan Ann. Cost Annual CostPremier to Gold Annual CostGold to StandardPremier to Standard Premier GoldAnnual Savings StandardAnnual Savings Employee$2,100 $1,080-$1,020 $780-$300-$1,320 Plus 1$4,200 $2,160-$2,040 $1,440-$720-$2,760 Family$5,700 $3,000-$2,700 $2,160-$840-$3,540

9. Dental Plan: CIGNA Core Detailed SPD on to be up on HCLBenefits.Com shortly In- Network Out of Paid at 80% of Usual Customary Charges Network Annual Deductible Employee Family Waived for Preventative Care $25 $75 Waived for Preventative Care $75 $225 Annual Maximum Benefit per person $1,500 Preventive and Diagnostic Care – Class I 100% Basic Restorative Care – Class II 90%70% Major Restorative Care – Class III 60%50% Orthodontia Life time Max Children Only 50% $1,000 50% $1,000

10. CIGNA Vision Plan Detailed SPD to be up on HCLBenefits.Com shortly CIGNA/VSP NetworkNon Network Exam Co-pay Lenses & Frames Co-pay (Does not apply to contact lenses) $10 Up to $45 Single Lens Co-pay One pair every year 100%Up to $32 Bi-focal Tri-focal One pair every year 100% Up to $55 Up to $65 Contact Lens (choice of contact lenses or frames) One pair every year Elective: 100% Up to $130 Therapeutic: 100% Elective: Up to $105 Therapeutic: Up to $210 Frames (choice of contact lenses or frames) One Pair every 2 years 100% Up to $120Up to $66 VSP's choice network + CIGNA's networks and Retail chains Please visit www.mycigna.com to search for providers

11. Employee Assistance Plan - CIGNA 24/7 Assistance: 800-538-3543 (100% Company Paid) Marital/Family Problems Stress and Anxiety Depression Alcohol/Substance Abuse Legal Concerns Mental Health Concerns Relationship Concerns Abuse (verbal & physical) Gambling Maintaining Work-Life Balance Financial Difficulties and Work- Related concerns For more, please log on to www.cignabehavioral.com/CGI Click on the Healthy Rewards link to access discount information: User name: rewards Password: savings Our Employee Assistance Plan offers you professional counseling with licensed doctors on a variety of matters to foster healthier living and well-being:

12. Group Life Insurance Plan: CIGNA Life Insurance and Voluntary coverage Company Paid Group Life Group Base Coverage 2x Base Salary up to a Maximum $500K for your Beneficiary upon Death (Guaranteed issue $500K) Group Accidental Death & Dismemberment 2x Base Salary up to a Maximum $500K for your Beneficiary upon Death Employee Paid Voluntary Life Employee Coverage Select up to 1 – 5x Base Salary (Guaranteed issue $200K) Voluntary Spouse Coverage (50% of employee coverage) Select up to $10k - $150K (Guaranteed issue $20K) Voluntary Child Coverage $10k per child (Maximum $10K )

13. Group Short Term Disability Plan: CIGNA (100% Company Paid) Short Term Disability In the event of an accident or illness benefits begin from the 8 th Day (applicable if the patient is under doctor’s care and unable to work) Maximum Weekly Benefit to replace your income up to $2,300 weekly (integrated with all sources of income) % of Weekly Earnings Covered 70% Benefit is payable for 90 Days HCL does not have a paid maternity leave benefit. This plan provides benefits during maternity as long as you meet the criteria mentioned under the policy. To file a claim, please call 1-800-362-4462

14. LTD In the event of an accident or illness benefits begin after 90 Days (applicable if the patient is under doctor’s care and unable to work) Maximum Monthly Benefit to replace your income up to $9,000 monthly (integrated with all sources of income) % of Monthly Earnings Covered 70% Benefit is payable to Age 65 Group Long Term Disability Plan: CIGNA (100% Company Paid)

15. FSA Cafeteria Plan Pre tax Benefit All Contributions taken out of Gross Wages CIGNA FSA Contribution for Plans (taken out of your salary) 100% of your contribution Health Care Benefit To pay for expenses not covered by your plan $5,000 Maximum Contribution Annually Dependent Child Care Expenses $5,000 Maximum Contribution Annually Considerations before you Enroll: Unused dollars are forfeited Health and dependent care accounts are separate Tax implications All elections need to be made during Open Enrollment and cannot be changed unless there is a life changing event i.e. Death, Divorce, Loss of Employment Effective January 1, 2011, distributions from health FSAs will be allowed to reimburse the cost of over-the-counter medicines or drugs “only” if they are purchased with a prescription.

16. Example: FSA Expenses Reimburses expenses not covered by your medical, dental or vision plan Co-pays Deductibles Co-Insurance Hospital Admit Fee Emergency Room Fee Prescription drugs Co-pay Dental Deductible & Orthodontia Vision Co-pays See a complete list at: http://www.irs.gov/publications/p502/index.html \

17. Thank You!