1. Confidential Employee Benefits Open Enrollment Effective: January 1, 2012

2. Confidential 2 Filice Insurance:  Broker Overview - EBI Partnership  Dedicated Account Management Team  Melanie Beranek: Client Services Manager  Charlie Weckel: Broker  Dawn Alvarez: Compliance/Wellness Director  Patrick Arnold: CEO - Lafayette, CA Division  New Enrollments/Benefits Orientation  Assistance with Claims, Eligibility, Carrier Issues…  Customized Benefits Website: www.filice.com/benefits/EBI

3. Confidential 3 EBI Employee Benefits 2012:  Insurance Carrier Selection: –Kaiser Permanente and MetLife  Employee Premium Contributions: –Full-Time Eligible Employees: $40 per Month –Part-Time Eligible Employees: $75 per Month  Plan Availability - Effective January 1, 2012: –Medical: Kaiser – Deductible HMO (Base Plan) & HMO 15 –Dental: Met Life PPO –Vision: Discount Program (MetLife dental participants only) –Flexible Spending Accounts (FSA): Optum Health Financial –401K: John Hancock

4. Confidential 4 Kaiser 2012 Plan Options:

5. Confidential 5 Medical Plan Alternative:  Alameda Alliance for Health (Public Authority) –Medical, Dental and Vision Benefits for In Home Supportive Services (IHSS) workers in Alameda County –Eligibility: 160 hours of paid employment (issued checks) for two consecutive months. –Benefits: Alameda Alliance Group Care HMO based medical services administered by contracted medical providers with Alameda County (Medical groups and Hospitals). Two Dental Options: HMO and PPO plan designs Vision: Exam and Eyewear coverage. –Monthly Premiums: $20: Medical and Dental (HMO) $45: Medical and Dental (PPO) –Enrollment Process: Contact #: 510-777-4201 (Additional Info/Enrollment Packet Request)

6. Confidential 6 Dental:  MetLife Dental PPO Deductible:  In Network: $50/Individual - $150/Family (Waived for Preventive)  Out of Network: $50/Individual - $150/Family (Waived for Preventive) Annual Maximum: $1,500 per Person Co-Insurance : In Network Out of Network (90 th % UCR)  Preventive 100% 100%  Basic 80% 80%  Major 50% 50%  Ortho 50% 50% Orthodontics Maximum: $2,000 Lifetime (Child Only)

7. Confidential 7 Flexible Spending Accounts (FSA)  Administered by Optum Health Financial  Medical and Dependent Care Reimbursement Pre-tax payroll deductions to pay for un-reimbursed medical and dependent care expenses.  Annual Maximums Medical Reimbursement Account - $2,500 Dependent Care Reimbursement Account - $5,000 (IRS limit)  To enroll, complete the required election forms: Cannot change enrollment election during plan year Funds leftover at the end of the year will be lost. Plan carefully!  For questions and eligible expenses: www.optumhealthfinancial.comwww.optumhealthfinancial.com