1. Open Enrollment May 13, 2015 - May 22, 2015 Next

2. Open Enrollment will be held through the Employee Self Service Portal May 13, 2015 to May 22, 2015 Reduced Medical & Dental Rates Additional Medical Plan Options New Insurance Carriers 100% Company Paid Tele-Doc Services Enhanced coverage on Medical/RX and Dental Open Enrollment on Voluntary Life and Disability options All employees, new and current will be able to elect Life and Long-term disability (up to guarantee issue where applicable) without being subject to carrier approval. Open Enrollment participation is Mandatory for all eligible employees. All Benefit Elections must be made via the Employee Self Service portal: www.principlesolutions.com/ESS www.principlesolutions.com/esswww.principlesolutions.com/ess Changes you will see this Open Enrollment Period Next You spoke and we listened! We understand that Benefits are a top priority for you and your family. To this end, we now have a dedicated Benefits Expert that can assist you with all of your benefit questions. We have also hired a Benefits Consulting firm to identify trends and options in order to offer the very best benefits to you. To better meet your benefit needs we are pleased to announce that we have implemented a complete overhaul of our benefits package! Upon review you will see that we have added new, 100% employer paid services such as Tele-doc, a call-in concierge service that can reduce your visits to your doctor and even call in a prescription for you and your covered dependents! PSG has also significantly increased the company contribution, reducing the rates for our employees and their families. In this year’s Open Enrollment, you will see new medical options, enhanced coverage and better rates. We value our employees and look forward to serving you for years to come. Please contact Azure Walker @ azure.walker@principlesolutions.com or 770-817-4550 with questions or if assistance is needed.azure.walker@principlesolutions.com Previous

3. Medical Plan Options EE Only $70.70 EE+Spouse $268.82 EE+Child(ren) $250.38 EE+Family $456.32 EE Only $84.95 EE+Spouse $297.31 EE+Child(ren) $276.07 EE+Family $499.05 Option 1: $4,000 Deductible Health Savings Account Option 2: $5,000 Deductible Point of Service United Health Care EE Only $117.45 EE+Spouse $349.58 EE+Child(ren) $325.74 EE+Family $577.46 Option 3: $2,500 Deductible Point of Service Rates Reflect Employee Biweekly Deductions New Insurance Carrier Option 1 Option 2 Option 3 Option 3 Dental Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Click the Benefit Icons to the right to view a specific plan or click “Next” to proceed to the next slide New Use the menu to the right to see specific plans, or click “Next” to see the next slide. Previous Next

4. Option Option 1: HSA Medical Plan Coinsurance: In Network: 70% / Out of Network 60% In-Network Deductible: Single $4,000/Family: $8,000 In Network Out of Pocket Max: Single: $6,400/ Family: $13,200 Employee pays 100% of medical cost up to deductible, with the option to pay any out of pocket medical, dental or vision cost, with tax free dollars, up to annual limits. (See next slide for more details.) EE Only $70.70 EE+Spouse $268.82 EE+Child(ren) $250.38 EE+Family $456.32 New United Health Care 1 Option 2 Option 3 Dental Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Previous Next Rates Reflect Employee Biweekly Deductions

5. Option What is an HSA? Watch Video Previous Next 1 What is an HSA? Is a HSA right for me? 2015 Contribution Limits Frequently Asked Questions Retirement HSA Comparison Additional Resources Video- HSA and Retirement

6. Health Savings Account (HSA) Advantages: Tax-deductible Contributions to the HSA are 100% deductible (up to the legal limit) — just like an IRA Tax-free Withdrawals to pay qualified medical expenses, including dental and vision, are never taxed. Tax-deferred Interest earnings accumulate tax-deferred, and if used to pay qualified medical expenses, are tax-free. HSA money is yours to keep Unlike a flexible spending account (FSA), unused money in your HSA isn’t forfeited at the end of the year; it continues to grow tax-deferred. Option HSA holders can choose to save up to $3,350 for an individual and $6,650 for a family (HSA holders 55 and older get to save an extra $1,000 which means $4,350 for an individual and $7,650 for a family) - and these contributions are 100% tax deductible from gross income. Minimum annual deductibles are $1,300 for self-only coverage or $2,600 for family coverage. Annual out-of-pocket expenses (deductibles, copayments, and other amounts, but not premiums) cannot exceed $6,450 for self-only coverage and $12,900 for family coverage. Tier Contribution Limit 55+ Additional Contribution Single $3,350$1000 Family $6,650$1000 Maximum Annual Contribution Previous Next 1

7. EE Only$84.95 EE + Spouse$297.31 EE+ Child(ren) $267.07 EE+ Family$499.05 Option Option 2: $5,000 Deductible Medical Plan United Health Care Dr. Co-Pay-$30 Specialist Co-pay-$60 Urgent Care Co-pay-$75 Emergency Room Co-pay-$200 (Waived if admitted) Brand Drugs Now Covered! (Tier based co-pays) Coinsurance: In Network: 70%/ Out of Network 60% In-Network Deductible: Single $5,000/Family: $10,000 In Network Out of Pocket Max: Single: $6,600/ Family: $13,200 No Rx Deductible New Learn More Rates Reflect Employee Biweekly Deductions Option 3 Option 1 Dental Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Click benefit icon on right of page to learn more about a specific plan, or click next to view next slide in this entire presentation. New Insurance Carrier Previous Next 2 $82.91 $290.19 $269.46 $497.47 2014 Rates 2015-2016 Rates

8. Option Decreased Rates! Option 3: $2,500 Deductible Medical Plan EE Only$117.45 EE + Spouse$349.58 EE+ Child(ren) $325.74 EE + Family$577.46 Dr. Co-Pay-$25 Specialist Co-pay-$50 Urgent Care Co-pay-$75 Learn More Brand Drugs Now Covered! (Tier based co-pays) Emergency Room Co-pay-$150 (Waived if admitted) Coinsurance: In Network: 80% / Out of Network 60% In-Network Deductible: Single $2,500/Family: $7,500 In Network Out of Pocket Max: Single: $6,600/ Family: $13,200 No RX Deductible! New Rates Reflect Employee Biweekly Deductions United Health Care Option 1 Dental Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Option 2 Click benefit icon on right of page to learn more about a specific plan, or click “Next” to view the next slide in this presentation. New New Insurance Carrier Previous $159.29 $442.96 $414.59 $726.63 Next 3 2015-2016 Rates 2014 Rates

9. Rates Reflect Employee Biweekly Deductions Dental Coverage EE Only $9.81 EE+Spouse $21.78 EE+ Child(ren) $20.15 EE+ Family $33.76 MetLife Deductible: Single $50/ Family $150 Max plan will pay per year per member: $3,000 Preventative: 100% covered Coverage Doubled! Deductible Waived: Cleanings (1 per 6 months) Space maintainers (Under Age 15) X-Rays- Bitewings & Full Mouth Sealants – Under Age 16 Deductible Applies: 80% Co-Insurance Fillings Simple Extractions Oral Surgery Periodontics Endodontics Deductible Applies: 50% Co-Insurance Crowns Bridges Dentures Implants Learn More Decreased Rates ! Option 1 Option 3 Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Option 2 Click benefit icon on right of page to learn more about a specific plan, or click “Next” to view the next slide in this presentation. New Insurance Carrier Previous Next $9.81 $22.07 $20.23 $35.55 2014- 2015 Rates 2015-2016 Rates

10. Vision EE Only $3.01 EE+Spouse $5.27 EE+ Child(ren) $5.72 EE+ Family $8.72 MetLife (Once Every 12 months) Eye Exams: InNetwork $10 Copay/ OutNetwork $45 Copay Frames: InNetwork $130 allowance/OutNetwork $65 allowance Lenses: (Once every 12 months) Single: In Network $20 copay/Out of Network $30 allowance Lined Bifocal:$20 copay/Out of Network $50 allowance Lined Trifocal: $20 copay/Out of Network $70 allowance Contact Lenses (Instead of Frames or Lenses/Once every 12 months ) In Network: $130 allowance Out of Network: $105 allowance Learn More Rates Reflect Employee Biweekly Deductions Option 1 Option 2 Option 3 Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Dental Click benefit icon on right of page to learn more about a specific plan, or click “Next” to view the next slide in this presentation. New Insurance Carrier Previous Next $3.01 $5.27 $5.72 $8.73 2014-2015 Rates 2015-2016 Rates No Increase!

11. Voluntary Life Insurance Mutual of Omaha You can elect up to the Guarantee Issue of 120k without prior approval! Employee Optional group term life insurance benefit You may purchase coverage in an amount of $10,000 to $500,000 in increments of $10,000. Your family or beneficiary will get this additional benefit amount if you pass away. If you choose an optional life benefit amount more than $120,000.00 you will need to have an EOI (Evidence of Insurability) approved by Mutual of Omaha. An EOI form will be sent to you within 48 hours of your election. AgeCost Per $1,000 0-34.060 35-39.080 40-440.130 45-490.200 50-540.320 55-590.510 60-640.740 65-691.29 70-742.85 75 and over4.630 *Age reductions do apply During Open Enrollment Only! Option 1 Option 2 Option 3 Dental Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Click benefit icon on right of page to learn more about a specific plan, or click “Next” to view the next slide in this presentation. New Insurance Carrier Next Previous Previous

12. Spousal and Child Life Insurance Learn More Mutual of Omaha You can elect up the Guarantee Issue of 50k without prior approval! Please Note: You must first elect Life Insurance for yourself to be eligible for Spousal or Child Life Optional Life Coverage for your family You may also choose additional life coverage for your spouse and your children If you choose Optional Life coverage for your Spouse of more than $50,000.00 you will need to have an EOI (Evidence of insurability ) approved by Mutual of Omaha. Within 48 hours of your election, the EOI form will be sent to you via e-mail with instructions on how to proceed. *Dependents coverage may not exceed 50% of the employee’s own elected Life insurance amount. AgeCost Per $1,000 0-34.060 35-39.080 40-440.130 45-490.200 50-540.320 55-590.510 60-640.740 65-691.29 70-742.85 75 and over 4.630 Child Life can be elected in the amount of $10,000. Only one election needed. Simply add all covered dependents to your election! New Insurance Carrier Previous Next

13. Long Term Disability(LTD) Help Protect Your Loved Ones - And your Income with Long Term Disability Long term disability will pay you 60% of your annual gross income until retirement age in the event of injury or illness which would prevent you from working. Your monthly LTD benefit will be 60% of your monthly pre-disability earnings, up to the maximum of $10,000, less deductible sources of income. **No medical questions asked if you enroll at your time of hire, or 2015-2016 Open Enrollment! How to Calculate Your Total LTD biweekly cost Mutual of Omaha Please Note: LTD rates will increase/decrease with compensation changes. Previous Next Option 1 Option 2 Option 3 Dental Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits

14. Now it’s Time to Elect Your Benefits! Log on to the ADP Portal @: www.principlesolutions.com/esswww.principlesolutions.com/ess Click the “My Self” tab at the top of the screen: Click “Benefits” and then Enrollments. If you have never logged into the Employee Self Service portal you will need to register. Click the green “Next” arrow, for instructions on how to register. Log on to the Employee Self Service Portal and click “Forgot User ID or Password” Forgot User ID or Password? Option 1 Option 2 Option 3 Dental Vision Life Insurance Life Insurance Disability Electing Benefits Electing Benefits Click benefit icon on right of page to learn more about a specific plan, or click “Next” to view the next slide in this presentation. Previous Next Close

15. If you have never gone to our Employee Self Service portal, you will need to register prior to electing benefits. To register: Go to www.principlesolutions.com/ESS.www.principlesolutions.com/ESS Click on “Register Here” under “First Time User?” Read the Terms and Conditions statement and click the “I Agree” button Click “Next” Enter the Self Service Registration Pass Code: PSGLLC- ADPNET and click “Next” Confirm that the company is “Principle Solutions Group” and click “Next” Enter your Identity Information Change the Identity type to “Partial SSN” Enter your first name Enter your last name Enter the last four digits of your SSN Confirm the last four digits of your SSN Enter your birth month and day Click “Next” Create your User ID using the parameters given Create your password using the parameters given Click “Next” Choose three security questions and provide the answers Click “Next” Enter your work and/or your personal email address Choose which email address you would like to be used for notifications Enter your work and/or personal phone numbers- This step is not required to complete registration An activation code will immediately be emailed to you using the email address you provided and designated to receive notifications. Once you receive your registration code, return to the website and enter it in the “registration code” field. To enroll in benefits: Log onto the Employee Self Service Portal: www.principlesolutions.com/ESS. www.principlesolutions.com/ESS Go to the “myself” tab on the top left hand of your screen and click on “enrollments” under the benefits section. The system will walk you through each benefit and enrollment form. Previous