2013 MSX International Benefits At-A-Glance

MEDICAL
Aetna www.aetna.com 1-800-238-6716 Group # 466063 In-Network (Participating Providers) See Options Below See Options Below 70% after your deductible is met See Options Below 70% after your deductible is met See Options on Page 2

Provision Deductible Out-of-Pocket Max (excludes deductibles and copays) Coinsurance Office Visit Copay Emergency Room Prescription Drugs

Out-Of-Network (Non-Participating Providers) See Options Below See Options Below 50% after your deductible is met See Options Below 50% after your deductible is met

Three Steps to Choosing the Best Plan for You:

First Choose the plan that best meets your needs in terms of the size of the deductible and out-of-pocket maximum: How large of a deductible are you willing to pay when you need medical care services? Keep in mind that most of your medical expenses should typically be with "in-network" providers to keep costs lower. Also look at the out-of-pocket maximum. Choose one of the three plan options (A, B, or C): The lower the deductible you select, the higher the payroll deduction will be. Deductible and Out-of"A" "B" "C" Pocket Maximum In Network Out-of-Network In Network Out-of-Network In Network Out-of-Network Options $500 individual / $1,500 individual / $1,000 individual / $3,000 individual / $1,500 individual / $4,500 individual / Deductible $1,500 family $4,500 family $3,000 family $9,000 family $4,500 family $13,500 family Out-of-Pocket Maximum (not including
$3,000 individual / $6,000 family $12,000 individual and family $6,000 individual / $12,000 family $18,000 individual and family $7,000 individual / $14,000 family $20,000 individual and family

Second Choose your office visit copay (Options "D" or "E"): How much do you prefer to pay when you visit your doctor and/or specialist? The lower the office visit copay you select, the higher the payroll deduction will be. Office Visit Copay Office Visit Copay - Primary Care Provider Office Visit - Specialist

"D"
In-Network $10 $25 Out-of-Network 50% after deductible 50% after deductible In-Network $30 $45

"E"
Out-of-Network 50% after deductible 50% after deductible

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Finally Choose your prescription coverage (Options "F" or "G"): Which prescription coverage best meets your (and your family's) needs? The lower the brand formulary and non-formulary copays, the higher the payroll deduction will be. Aetna Prescription Coverage "F" "G" www.aetna.com Retail 1-800-238-6716 Generic $15 copay $10 copay Group # 466063 50% coinsurance with a $35 min copay and a $100 max copay Brand formulary $50 copay Brand non-formulary $75 copay 50% coinsurance with a $50 min copay and a $100 max copay Mail order Generic $30 copay $20 copay Brand formulary $100 copay 50% coinsurance with a $70 min copay and a $200 max copay Brand non-formulary $150 copay 50% coinsurance with a $100 min copay and a $200 max copay

MEDICAL

Dental
Aetna www.aetna.com 1-877-238-6200 Group # 466063

Dental PPO Plan

Services Deductible Preventive Basic Major Restorative & Oral Surgery Orthodontia Services Maximum Annual Benefit Maximum Lifetime Benefit In-Network None 100% 80% 50% 50% Out-of-Network Dentist $50 per person / $150 per family 100% (no deductible) 80% after deductible 50% after deductible 50% after deductible

Dental HMO Plan (No Out-of-Network) Services In-Network Deductible None

Diagnostic, Preventative, Restorative, Oral Surgery, Crowns & Bridges Flat copay based on procedure Endodontics, Periodontics, Prosthodontics-removable Orthodontia Services Maximum Annual Benefit Maximum Lifetime Benefit $1,045 copay per course of treatment Not applicable Not applicable

$1,000 per person $1,500 per person for orthodontia only

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MEDICAL VISION
SVS Vision Plan www.svsvision.com 1-800-225-3095 Group # 8800 Service Eye Exams Exams for Glasses Exams for Contact Lenses Eyeglass Lenses Single with frames Bifocal with frames Trifocal with frames Eyeglass Frames Standard with lenses Contact Lenses Once every 12 months 100% 100% up to $87.20 One pair every 12 months $5 copay $5 copay $5 copay One pair every 24 months $5 copay $5 copay Aetna www.aetna.com 1-800-238-6716 Group # 466063 Vision Service Plan www.vsp.com 1-800-877-7195 Group # 120818656 2 benefit-year commitment In-Network Out-of-Network Once every calendar year Once every calendar year $10 copay $50 max benefit $50 max benefit Once pair every calendar year $50 max benefit $75 max benefit $100 max benefit One pair every other calendar year $70 max benefit $105 max benefit

Up to $60 copay (evaluation & fitting) Once pair every calendar year $25 copay $25 copay $25 copay One pair every other calendar year $25 copay ($130 max benefit) $130 max benefit

Flexible Spending Accounts

Aetna www.aetna.com 1-800-238-6716 Plan Health Care Spending Account: Pre-tax payroll deductions used to pay for health care expenses not covered by health insurance. Dependent Care Spending Account: Pre-tax payroll deductions used to pay for dependent care expenses that enable you (and your spouse, if married) to work. If you are married but file separate tax returns, the most you can contribute is $2,500 per year. Contributions $52 minimum per calendar year $2,500 maximum per calendar year $52 minimum per calendar year $5,000 maximum per calendar year

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Life andMEDICAL AD&D Insurance Aetna

Plan Basic Life Insurance ($1,000,000 max) Basic AD&D Insurance ($1,000,000 max) Optional Life Insurance Optional AD&D Insurance (can not exceed your optional life insurance) Dependent Life Insurance ($1,000 per child under 6 months) Unum www.aetna.com 1-800-421-0344 1-800-238-6716 Coverage Group # 466063 One times your annual pay (can be capped at $50k) One times your annual pay One to five times your annual pay One to five times your annual pay - $10k spouse / $2k per child - $25k spouse / $5k per child - $50k spouse/ $10k per child Contribution Company Paid Company Paid Employee Paid Employee Paid (based on age and annual pay) Employee Paid

Disability Benefits
Unum 1-800-421-0344 Short Term Disability (STD) - up to 26 weeks, eligible for coverage - 1st of the month following 30 days of full-time employment. Benefits begin 1st day of accident, 8th calendar day of illness. STD Options Coverage Contributions Core Option 50% of base pay ($300 maximum benefit per week) Company paid Buy-Up Option 60% of base pay ($1,500 maximum benefit per week) Based on pay Long Term Disability (LTD) - after 26 weeks of STD, eligible for coverage - 1st of the month following one year of continuous full-time employment. LTD Options Coverage Contributions Core Option 50% of base pay ($1,000 maximum benefit per month) Company paid Buy-Up Option 60% of base pay ($3,000 maximum benefit per month) Based on pay

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MEDICAL Legal Benefits

Aetna Hyatt Legal www.aetna.com www.legalplans.com 1-800-238-6716 1-800-821-6400 Group # 466063 When you use a participating Plan Attorney for covered services, there are: - No deductible - No copays - No waiting periods - No claim forms You can receive legal advice for a wide range of legal matters including: - Court Appearances - Document review and preparation - Financial matters - Wills - Family Law - Real estate matters - Consumer protection - Defense of civil lawsuits - Immigration assistance

401(k) Plan
www.prudential.com/online/retirement 1-877-778-2100 - You can set-aside up to 75% of your pre-tax earnings, (subject to IRS limitation of $17,500 in 2013) - By saving on a pre-tax basis, you can lower both your taxable income and your total tax bill each year - Automatic enrollment (if you choose) starting 1st of the month following 45 days of employment, with a 3% contribution - Roth contributions allow you to save after-tax dollars today for your future - Wide array of investment options enables you to develop a strategy that best suits your needs - Rollover contributions from another qualified account into your new Prudential account - Interactive tools to help you manage your account and access retirement planning education - Make changes to your account on a daily basis - Borrow up to 50% of your account balance to a max of $50,000 of your total account balance

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MEDICAL Aflac
Aetna www.aflac.com www.aetna.com 248-968-9884 1-800-238-6716 - Policies pay cash benefits directly to you, regardless of any other insurance you may have. Plans are pre-tax and are all payroll deducted. Group # 466063 - Plans are fully portable after 1 month of payroll deductions. - Designed to help with copays, deductibles and other out-of-pocket expenses associated with illness, injury and family expenses. No network of doctors, or rate increases. - Accident Plan: covers emergency treatment, follow-up treatment, initial hospitalization, hospital confinement, physical therapy, accidental death benefit, wellness, and more. - Sickness Plan: covers physican visits, initial hospitalization, hospital confinement, major diagnostic exams, surgical, and more. - Cancer Plan: pays initial treatment, injected or oral chemotherapy, radiation therapy, surgery, hospitalization and experimental treatments.

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