1. Benefit Summary Plan Year: December 1, 2013 to November 30, 2014

2. 2OAP5 1.5K / 90 B In-NetworkNon-Network Physician Office Visit Copay: Primary Care Specialist (No referral necessary) Urgent Care Global Maternity Physician Charge $25 Copay $50 Copay $60 Copay Deductible / Coinsurance Calendar Year Deductible: Individual Family $1,500 $4,500 $3,000 $9,000 Co-Insurance (after deductible you pay)10%40% Out of Pocket Maximum (includes deductible) Individual Family $4,500 $9,000 $18,000 Prescription Drugs Tier 1 Calendar Year Deductible Tier 2 / Tier 3 Tier 4 Mail Order – Tier 1 / Tier 2 / Tier 3 Tier 4 $15 $200 per member $40 / $75 20% to max of $200 $15 / $80 / $225 20% to max of $200 60% after deductible Not Covered If a member receives a brand name drug that falls on Tier 3 that has a generic equivalent available, the member pays the Tier 1 copay, plus the difference in cost between the brand drug and generic drug. This applies even when physician indicates DAW (dispense as written). Provider Directory: BlueChoice Open Access ; www.bcbsga.com; Find a Doctor; best to use your 3 digit prefix; Blue Open Access POSwww.bcbsga.com BCBS of Georgia - Medical Plan Pay period Deduction (24pp)EmployeeEmployee/SpouseEmployee/Child(ren)Employee/Family Medical$0$227.10$196.13$423.22

3. Medical Plan In an effort to assist with potential out of pocket expenses, the firm will reimburse each employee up to $1,000.00 of his/her individual out-of-pocket expenses. For in-network services, the firm will pay the out-of-pocket expenses incurred from $3,501 to $4,500 which is the maximum amount of out-of-pocket expense, if applicable. For out of network services, the firm will pay the out-of-pocket expenses incurred also from $3,501 to $4,500, with the employee being responsible for the amounts incurred from $4,501 to $9,000, if applicable. Employee Assistance

4. DENTALDental Option 1 – Scheduled Plan (If dentist is in-network) Dental Option 2 – Unscheduled Plan (If dentist is not in-network) In-NetworkNon-NetworkIn-NetworkNon-Network Payment ModePaid at Contracted RateMax. Allowable ChargePaid at Contracted RatePaid at 90 th percentile Deductible$50 / waived for Preventive Care Co-Insurance100% Preventive / 100% Basic / 60% Major 50% Ortho 100% Preventive / 80% Basic / 50% Major 50% Ortho Plan Maximum$1,000 Annual Maximum / per insured $1,000 Orthodontia Lifetime Maximum $1,000 Annual Maximum / per insured $1,000 Orthodontia Lifetime Maximum PreventiveRoutine exams, cleanings (2 per year), second opinion consults, fluoride treatment, space maintainers, sealants, x-rays BasicPeriodontic prophylaxis, fillings, stainless steel crowns, general anesthesia, simple oral surgery, complex oral surgery, periodontics, endodontics MajorRepairs to partial denture, bridge crown, crowns, inlays, onlays, cast post and core, bridges, dentures Rollover BenefitThreshold $500; Rollover amount: $250; Account Limit $1,000 Principal – Dental and Vision Pay Period Deduction (24pp)EmployeeSpouseChild(ren)Family Dental$0$15.34$26.83$48.60 Vision$0$5.00$4.41$9.41 Vision – free to use any provider; benefits are available once per 12 months Eye ExamsUp to $65 for eye exam; Frames Allowance / Contact Lens AllowanceFrames: up to $150; Contact Lenses: up to $200 Lenses$50 for Single lenses; $75 for Bifocal lenses; $100 for Trifocal lenses; $150 for Lenticular lenses

5. Benefits Begin Benefits Payable Maximum Duration Own Occupation Determine your premium Rates Less than age 25 25 – 29 30 – 34 35 – 39 40 – 44 45 – 49 50 – 54 55 – 59 60 – 64 65 and over Voluntary Short-term Disability 15 Days Accident or Illness 60% of pre-disability earnings $2,000 Weekly Maximum Payable up to 11 weeks N/A Annual earnings / 52 = weekly earnings Weekly earnings x.60 = weekly benefit Weekly benefit / 10 x (rate ______) = monthly cost Monthly cost x 12 / 24 = payroll deduction $_____ (note: if your weekly benefit exceeds $2,000; then use$2,000 as your weekly benefit..40.44.39.36.38.39.46.58.71.79 Voluntary Long-term Disability 90 Days 60% of pre-disability earnings $10,000 Monthly Maximum Payable to Social Security Normal Retirement Age Class I: Attorneys: SSNRA Class II: All Others: 24 Months Annual earnings / 12 = monthly earnings Monthly earnings / 100 x (rate _____) = monthly cost Monthly cost x 12 / 24 = payroll deduction $_____ (note: if your monthly earnings exceed $16,666; then use $16,666 as your monthy earnings..09.14.26.41.65.87 1.12 1.29 1.18.69 Unum Insurance

6. The information contained in this benefits summary is incomplete. Please refer to the certificate of insurance or plan document for coverage terms, conditions, limitations and exclusions. If there is any difference between the contents of this summary and the policy, plan or proposal to which it addresses, the language of the policy, plan or proposal shall rule. Non- network care and treatment is subject to usual, reasonable and customary provisions that may result in reduced reimbursement. Should you have any questions please contact Jennifer Bent, Christine Gottfried, or me, Cindy Nash. Thank you! Cindy L. Nash Angus McRae Insurance Brokerage Services, Inc. 4725 Peachtree Corners Circle, Suite 155 Norcross, GA 30092 cnash@angusmcrae.com (770) 300-0001 ext. 102 (phone) (770) 366-6896 (mobile) (770) 456-5059 (fax)