When your employment ends, you have the option to continue benefit coverage. A decision to continue medical, dental, vision and life insurance must be made within 60 days of termination.

Benefit Coverage End Dates
Your medical, dental and vision coverage will cease at the end of the pay period in which you terminated (i.e. the 15th or end of the month). Your other benefit coverage(s) end on your termination date.

Health Savings Account Continuation
If you elect to continue your medical coverage under the Consumer Choice Plan, please note the following regarding your HSA account:

• You may elect to continue to contribute to your Health Savings Account (HSA) for the duration of your coverage until the earlier of age 65 or you elect Medicare coverage.
• Payroll deductions for your HSA will end on your termination date. However you can continue to contribute directly to your account and taxes will be adjusted on an "above-the-line" basis when you file your income tax.
• You are eligible to receive reimbursement from your HSA for expenses incurred both before and after the date your coverage ends.
• Details on HSA guidelines, taxability and eligible expenses are available at www.irs.gov (publications 502 and 969).

Tax-Advantage Account Information

• Health Care Flexible Spending Account (FSA)
• Limited Purpuse Health FSA
• Dependent Care FSA

When your employment ends, you may elect to continue to make payments to your Health Care and/or Dependent Care Flexible Spending Accounts until the end of the calendar year. If you continue payments, you are eligible to receive reimbursement for expenses incurred both before and after the date your coverage ends. If you do not elect to contribute to your Health Care Flexible Spending Account after termination, you are eligible to receive reimbursement for expenses incurred up to your termination date. Claims must be submitted within 90 days. Claims submitted 90 days after termination will not be eligible for reimbursement.

Voluntary Accidental Death and Dismemberment Insurance
Voluntary AD&D ends on your last day of active employment. No conversion option is available.

401(k) Plan
If you were a participant in the 401(k)/Employer Contribution Plan you will receive a letter from New York Life Retirement Services within two to three weeks after your last day of employment asking you to contact them regarding your 401(k) account.

If your account balance is less than $1,000, you will be required to take a cash distribution or rollover. If your account balance is more than $1,000, your options include the following.

• Elect to receive a cash distribution.
• Elect a direct rollover / transfer.
• Transfer the money to a New York Life Investment Management IRA.
• Keep your money in your account.

Do You Have Any Outstanding 401(k) Loans?
If you have an outstanding 401(k) loan(s), contact New York Life Retirement Services at
1-800-294-3575 or their Web site at www.bcomplete.com to obtain a loan payoff form. You also have the option of continuing to make your loan payment(s) to New York Life Retirement Services. They will send you invoices on a monthly basis.

You will be able to access your beneficiary information through the New York Life Web site at www.bcomplete.com . You can also add or change beneficiary information through this Web site.