1. PMG Research, Inc. PMG Research, Inc. 2012 Annual Open Enrollment

2. PMG Research, Inc. PMG Research, Inc. Medical – Blue Cross/Blue Shield (dual option) Dental – Delta Dental of NC FSA – Process Works HSA – ACS/Mellon Bank Basic Life – USAble Life Voluntary Life, STD and LTD – Principal Life

3. PMG Research, Inc. PMG Research, Inc. Medical – Blue Cross/Blue Shield Dual Option: HSA Plan1-2-3 Plan

4. PMG Research, Inc. PMG Research, Inc. BCBS HSA Plan $2,500 Deductible Plan pays 80% after the Deductible is met Plan pays 100% after the $2,500 Coinsurance Limit is met No office visit copays or prescription drug copays – everything counts towards meeting the Deductible

5. PMG Research, Inc. PMG Research, Inc. BCBS 1-2-3 Plan $2,500 Deductible (reduced to $1,750 through MERP) Plan pays 80% after the Deductible for Inpatient Services Plan pays 70% after the Deductible for Outpatient Services Plan pays 100% after the $2,000 Coinsurance Limit is met $20 copay for Primary Care office visits $10/35/50/75% copays for Prescription Drugs

6. PMG Research, Inc. PMG Research, Inc. Blue Cross/Blue Shield Monthly Employee Contributions HSA Plan 1-2-3 Plan 2011 2012 2011 2012 Employee Only $132.12 $63.97 $150.06$109.48 Employee/Spouse $424.10$346.33 $493.15$441.38 Employee/Child(ren)$263.76$191.27 $413.59$364.50 Employee/Family $701.58$614.59 $777.07$715.98

7. PMG Research, Inc. PMG Research, Inc. Blue Cross/Blue Shield 2012 Employee Contributions Comparison HSA Plan1-2-3 PlanAnnual Difference Employee Only $63.97 $109.48 $546.12 Employee/Spouse $346.33 $441.38 $1,140.60 Employee/Child(ren) $191.27 $364.50 $2,078.76 Employee/Family $614.59 $715.98 $1,216.68

8. PMG Research, Inc. PMG Research, Inc. 2012 Employer-Sponsored Reimbursement Accounts HSA Plan FSA PlanAnnual Difference $720.00 $360.00 $360.00

9. PMG Research, Inc. PMG Research, Inc. 2012 Employer-Sponsored Medical Expense Reimbursement Plan (MERP) Available for 1-2-3 Plan participants: The participant pays the first $1,750 of covered medical expenses that are applied to the Deductible. PMG Research, Inc. will reimburse the next $750 of covered medical expenses that are applied to the $2,500 Deductible.

10. PMG Research, Inc. PMG Research, Inc. Which Plan Should I Choose?

11. PMG Research, Inc. PMG Research, Inc. Example #1: $250 claim for annual wellness exam and screening tests (in-network) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $0 Deductible $0 $0 Coinsurance $0 $0 Premium (employee only) $767.64 $1,313.76 PMG HSA/FSA Contribution $720.00 $360.00 Net Totals $ 47.64 $ 953.76 $906.12

12. PMG Research, Inc. PMG Research, Inc. Example #2: $1,500 miscellaneous claims for in-network office visits with lab work (1 primary and 1 specialist) plus 3 monthly prescriptions (2 generic and 1 preferred brand) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $0 Deductible $1,500.00 $175.00 Coinsurance/Copays $0 $680.00 Premium (employee only) $767.64 $1,313.76 PMG HSA/FSA Contribution $720.00 $360.00 Net Totals $1,547.64 $1,808.76 $261.12

13. PMG Research, Inc. PMG Research, Inc. Example #3: $4,000 claim for pre-natal care and delivery (in-network) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $250.00 Deductible $2,500.00 $1,750.00 Coinsurance $300.00 $125.00 Premium (employee only) $767.64 $1,313.76 PMG HSA/FSA Contribution $720.00 $360.00 Net Totals $2,847.64 $3,078.76 $231.12

14. PMG Research, Inc. PMG Research, Inc. Example #4: $25,000 claim for hip replacement (in-network hospital stay and surgery) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $250.00 Deductible $2,500.00 $1,750.00 Coinsurance $2,500.00 $2,000.00 Premium (employee only) $767.64 $1,313.76 PMG HSA/FSA Contribution $720.00 $360.00 Net Totals $5,047.64 $4,953.76 $93.88

15. PMG Research, Inc. PMG Research, Inc. Delta Dental $50 Deductible ($150 per family) $1,500 Annual Maximum benefit Plan pays 100% (no Deductible) for Preventive Services Plan pays 80% after the Deductible for Basic Services Plan pays 50% after the Deductible for Major Services Plan pays 50% for Orthodontia to $1,500 lifetime maximum benefit

16. PMG Research, Inc. PMG Research, Inc. Be sure to review your current elections for: Voluntary STD Voluntary Employee Life Voluntary Dependent Life

17. PMG Research, Inc. PMG Research, Inc. Enrollment Portal: https://www.benedetails.com/?alias=56423