__________

BENEFIT SUMMARY

That’s why at Singer Nelson Charlmers we are committed to a comprehensive employee benefit program that helps our employees stay healthy, feel secure and provide assistance for work/life issues.

Staying Healthy

Medical, Dental and Vision Care Health Reimbursement Arrangement (HRA) Hospital Deductible Insurance Flexible Spending Accounts

Feeling Secure

Long and Short Term Disability Insurance Life and Accidental Death & Dismemberment Voluntary Life Long Term Care Business Travel Accident Insurance

Assistance Programs

Employee Assistance Program (EAP) Emergency Travel Assistance and Transport Pinnacle Care

Financial Security

401(k) Plan Identity Theft

Our employees are our most valuable asset.

2

Medical Insurance

Two health plans are offered and you have the option to elect the plan that best suits your needs. The PPO Open Access HSA plan provides both in-network and out-of-network coverage and the HMO Open Access HSA plan provides in-network coverage only. Singer Nelson Charlmers offers a Health Reimbursement Arrangement (HRA) with a choice of set-up options.

The Benefit Summaries of each plan are found on the following pages.

Wellness and Discount Programs

Aetna offers wellness programs and discount savings on products and services that keepyou healthy, fit your lifestyle, and help you save money every day! Such programs focus on staying healthy and preventing disease, taking better care of yourself when managing a condition, getting the right care when you're sick, and managing advanced-illness and end-of-life needs. Support is also offered for asthma, cancer, or many other advanced stage illnesses.

Aetna provides educational materials through Aetna InteliHealth® – The Trusted Source® which offers tools and expert advice to help you lead a healthier life. Aetna InteliHealth is produced in cooperation with Harvard Medical School.

Aetna offers the following resources:

Health assessmentYou can complete a health assessment about your health habits and history, and learn more about yourself. Afterwards, Aetna provides a powerful online tool, Simple Steps To A Healthier Life that offers a wide range of wellness programs that can assist you in making healthy changes. Programs cover getting more active, sleeping better, living tobacco-free, reducing stress, managing chronic conditions and much more.

Informed Health® LineTalk to a registered nurse 24 hours a day, 7 days a week. Get answers about medical tests, procedures and treatment options.

Aetna provides access to take the Health assessment and the Informed Health Line as part of your benefits, with no cost to you.

3

Aetna DiscountsAetna discounts are also available to most members. Call the number on your member ID card to see if you are eligible for the following savings:

Acupuncture, chiropractic, and massage therapy Books and DVDs with tips on healthy living Dental products Eye care products and services LASIK eye surgery Pearl Vision®  Centers LensCrafters®  Gym memberships and home fitness and nutrition products Hearing aids and exams Home blood pressure monitor Online provider consultations Over-the-counter vitamins and supplements Weight-loss programs such as Jenny Craig®  Dietetic counseling Massage therapy Beginning RightSM Maternity Program

Aetna Mobile Web - Get started nowAetna Mobile web shows a streamlined view of Aetna.com. You can buy health insurance or access our most popular tools directly from your mobile phone's web browser.

Just type "Aetna.com" into your mobile web browser. You must be an Aetna member to log in to the secure member site and to view your personal information. Without that information, no one can reach your personal data. Your information is safe if your mobile phone is lost or stolen. To register for access to the secure member site, type "Aetna.com" into mobile web browser and follow the directions to Register Now.

4

PPO Open Access HSA PlanBENEFIT IN NETWORK OUT OF NETWORKAnnual Deductible Individual: $ 2,500 Individual: $ 2,500(combined in/out network) Family Max: $ 5,000 Family Max: $ 5,000Coinsurance 90% 70%Out of Pocket Maximum Individual: $ 5,000 Individual: $ 5,000(combined in/out network) Family Max: $10,000 Family Max: $10,000Includes Deductible Yes YesLifetime Maximum Unlimited Unlimited

Usual Customary & Reasonable Rate N/A 80th percentile

Preventive Care No charge 70%, Deductible WaivedOutpatient Care

Primary Care Physician Office Visits 90% After Plan Deductible 70% After Plan DeductibleSpecialist Office Visits 90% After Plan Deductible 70% After Plan DeductibleLaboratory Services 90% After Plan Deductible 70% After Plan DeductibleX-Rays 90% After Plan Deductible 70% After Plan Deductible-Other Radiology 90% After Plan Deductible 70% After Plan DeductibleShort Term Rehabilitation 90% After Plan Deductible 70% After Plan DeductibleAllergy Care 90% After Plan Deductible 70% After Plan DeductibleOutpatient Facility 90% After Plan Deductible 70% After Plan Deductible

Hospital CarePhysician’s and Surgeon’s Services 90% After Plan Deductible 70% After Plan DeductibleSemi-private Room and Board 90% After Plan Deductible 70% After Plan DeductibleAll Drugs and Medications 90% After Plan Deductible 70% After Plan Deductible

Emergency CareAmbulance 90% After Plan Deductible 70% After Plan DeductibleEmergency Room - $100 Copay plus: 90% After Plan Deductible 90% After Plan DeductibleUrgent Care Facility 90% After Plan Deductible 70% After Plan Deductible

Maternity Care

Prenatal and Post-natal CarePrenatal – No Charge, Deductible Waived; Postnatal – 90% After Plan Deductible

70% After Plan Deductible

Hospital Services for Mother and Child 90% After Plan Deductible 70% After Plan Deductible

PrescriptionsDeductible Plan Deductible Plan Deductible

Tier 1/Generics $15 Copay 50% After Plan DeductibleTier 2/Preferred Brand $25 Copay 50% After Plan DeductibleTier 3/Non-Preferred Brand $40 Copay 50% After Plan Deductible

NOTE: The company reimburses you up to $1,250 (Single Coverage) and $2,500 (Family Coverage) of your Plan Deductible through an HRA plan if you are enrolled in one of the medical plans.

5

HMO Open Access HSA PlanBENEFIT IN NETWORK ONLYAnnual Deductible *Individual: $ 2,500

*Family Max: $ 5,000 Aggregate

Coinsurance 100% or 50%Out of Pocket Maximum Individual: $ 5,000

Family: $10,000Includes Deductible YesLifetime Maximum Unlimited

Usual Customary & Reasonable Rate N/A

Preventive Care Covered 100% No DeductibleOutpatient Care

Primary Care Physician Office Visits $30 Copay After Plan DeductibleSpecialist Office Visits $50 Copay After Plan DeductibleLaboratory Services $15 Copay After Plan DeductibleX-Rays $50 Copay After Plan DeductibleOther Radiology 50% After Plan DeductibleShort Term Rehabilitation $20 Copay After Plan DeductibleAllergy Care $50 Copay After Plan DeductibleOutpatient Facility $250 Copay After Plan Deductible

Hospital CarePhysician’s and Surgeon’s Services 100% After Plan DeductibleSemi-private Room and Board $500 Daily Copay After Plan Deductible ($2,500 Max Per Stay)All Drugs and Medications 100% After Plan Deductible

Emergency CareAmbulance 100% After Plan DeductibleEmergency Room 50% After Plan DeductibleUrgent Care Facility 50% After Plan Deductible

Maternity Care

Prenatal and Post-natal Care Prenatal – 100% Deductible Waived;Postnatal - $50 Copay After Plan Deductible

Hospital Services for Mother and Child $500 Daily Copay After Plan Deductible ($2,500 Max Per Stay)

Prescriptions

Deductible Plan Deductible

Tier 1/Generics $15 Copay After Plan DeductibleTier 2/Preferred Brand 50% After Plan DeductibleTier 3/Non-Preferred Brand 50% After Plan Deductible

NOTE: The company reimburses you up to $1,250 (Single Coverage) and $2,500 (Family Coverage) of your Plan Deductible through an HRA plan if you are enrolled in one of the medical plans.

6

Dental Insurance

Dental insurance is available to all employees and dependents even if you are waiving medical insurance. Contributions are required to enroll in the dental plan, but once an employee has completed five years of employment, the company pays the full cost for single coverage. We offer one dental plan option. You can visit any dentist but you pay less out-of-pocket when you choose a participating dentist.

The Met Life plan offers: MetLife Dental PPO Network. Family coverage for spouse and children. No charge for preventive care. You have the flexibility to visit your dentist or any licensed dentist, in or out of the network. But

with one of the largest dental networks in the industry, there's a good chance your dentist is in the network.

No referrals required and members can opt in and out of network. Find out if your dentist is in the MetLife network at www.MetLife.com or contact a

knowledgeable Dental Benefits Representative at 1-800-942-0854. Customer Service can be reached at 800-988-8333, following the prompts (Press 1, enter

SS#, press 3 then press 0).

Benefits you Receive:HIGH OPTION - PPO

In-network Out–of-networkCalendar Year Deductible

Individual $100 $100Family Limit $300 $300Waived for Preventive Preventive

Charges covered for you (co-insurance)Preventive Care(cleanings, x-rays, oral exams, sealants) 100% 100%

Basic (fillings, endodontic procedures, periodontics, extractions) 90% 80%

Major (crowns, bridges, dentures) 60% 50%

Orthodontia No CoverageAnnual Maximum Benefit(combined in/out network) $2,500 per person $1,500 per person

Lifetime Orthodontia Maximum No Orthodontia CoverageNetwork Met Life N/AReimbursement Level Negotiated Fee 90th UCR*Out of network expenses are reimbursed at the 90th percentile of usual, customary and reasonable.

7

Vision

Vision insurance is available to all employees even if you are waiving medical and/or dental insurance. The VSP plan provides both in-network and out-of-network coverage and the company pays the full cost for both you and your dependents.

Your eyes say a lot about you and can even tell your VSP doctor about you. During your WellVision Exam®, your VSP doctor will look for vision problems and signs of health conditions too. VSP alsooffers discounts on additional pairs of glasses and sunglasses and Laser Vision Correction.

To locate a VSP participating provider in the VSP Signature network, call 1-800-877-7195 or visit their Web Site at www.vsp.com.

Benefits You Receive:BENEFIT IN NETWORK OUT OF NETWORKExam $25 copay

Contact Lens Exam

Contact Lens Fitting and evaluation is covered separately from the materials allowance listed below. Your cost will depend on your doctor’s fee. You get a 15% discount off the fitting and evaluation fee - with a maximum copay of $60.

Hardware (Lenses and Frames) Combined with ExamFrequency

Exam 12 months 12 monthsPrescription Glasses

Lenses 12 months 12 monthsFrames 24 months 24 months

Contact Lenses 12 months 12 monthsAllowance

Exam 100% after copay Up to $50Prescription Glasses

Lenses (Lens Optionsinclude Anti-reflective, Scratch-resistant and Progressive)

100% after copay Single vision: Up to $50Lined bifocal: Up to $75Lined trifocal: Up to $100Progressive: Up to $75

Frames $150 Up to $70Contact Lenses $135 Up to $105

8

Health Reimbursement Arrangement (HRA)

Administered through Flex Facts, Singer Nelson Charlmers has designed an HRA coupled with a High Deductible Health Plan that can save you money. Both of the company’s medical plans have an upfront $2,500 combined Medical/Rx deductible for single coverage ($5,000 if you are covering other family members). The company supplements these medical plan deductibles through a Health Reimbursement Arrangement (HRA) that reimburses you for half of the deductible applied expenses. You also have the choice of whether it’s the first half or the second half. In general, electing the second half reimbursement allows you to have and fund a Health Savings Account (HSA) and electing the first half gives you a more immediate reimbursement of expenses applied to your deductible. Your specific circumstances will dictate which half is more advantageous to you.

Through the HRA, you receive:

Web access to transaction history, available benefits, and claims history Single debit card to be used at the point of service Fast and accurate daily claims reimbursements Real-time access to account information via either phone or the Internet Convenient enrollment process

Flex Facts utilizes the most advanced technology platform, communicates via e-mail, pays claims with direct deposit and through the debit card, and distributes services through broker relationships.Flex Facts is a leader in Flexible Benefits Administration and is dedicated to excellent customer service year round.

Claim Forms and Direct Deposit Forms can be found at www.flexfacts.com.

9

Hospital Deductible Insurance

Benefits You Receive:

Voluntary Hospital Deductible Insurance (HDI) is available to purchase as a supplement to your group medical insurance. This is available to you and your dependents at the monthly rates below.

The HDI plan provides a lump sum payment to help offset a High Deductible Health Plan deductible gap. Benefits are payable when a covered person is confined as an inpatient for at least one night. Benefits are payable once per covered person per plan year. This plan can be an advantageous supplement to our health insurance plans which have deductibles, copays and coinsurance for inpatient hospital stays.

Hospital Deductible Insurance (HDI) (Monthly Rates)Employee Only

Employee & Spouse

Employee & Children

Family

$1,000 $13.00 $27.00 $21.00 $37.00$2,000 $25.00 $55.00 $42.00 $73.00$3,000 $38.00 $82.00 $63.00 $110.00$5,000 $63.00 $137.00 $105.00 $183.00

More detailed information is available at www.plansource.com.

10

11

Flexible Spending Accounts (FSA)

Benefits You Receive:

FSA’s provide you with an important tax advantage that can help you pay health care and dependent care expenses on a pretax basis. By anticipating your family’s health care and dependent care costs for the next year, you can actually lower your taxable income.

Health Care Reimbursement FSA

This program allows Singer Nelson Charlmers’ employees to pay for IRS-approved medical care expenses, not covered by their insurance plan, with pretax dollars when a prescription is provided. Some examples include:

● Deductibles, Coinsurance and Copays for qualified Medical and Prescription Drug Expenses

Contact lenses, contact lens solution, eye examinations and eyeglasses Dental services and orthodontia Chiropractic services Acupuncture Over the counter drugs (doctor’s written prescription required as of January 1, 2011)

You should carefully consider your needs when determining your FSA election amount as it operates on a “use it or lose it” basis. The annual maximum that you can contribute to the FSA for whether you are single or have a family is $2,500.

Dependent Care FSA

The Dependent Care FSA allows Singer Nelson Charlmers’ employees to use pretax dollars toward qualified dependent care such as caring for children under the age 13 or caring for elders. The annual maximum amount you may contribute to the Dependent Care FSA is $5,000 (or $2,500 if married and filing separately) per calendar year. Examples include:

The cost of child or adult dependent care The cost for an individual to provide care either in or out of your house Nursery schools and preschools (excluding kindergarten)

Disability Insurance12

Long Term Disability BenefitsTemporary Disability Benefits

Benefits You Receive:Singer Nelson Charlmers provides full-time employees with short term disability income benefits under NJ’s statutory short term disability insurance through Sun Life. In the event you become disabled from injury or sickness, disability income benefits are provided as a source of income. Contributions are shared between the company and the employee as determined by the State.

Long-term disability insurance is available to all employees on a voluntary basis. The plan covers both total disabilities (i.e. not able to work at all) and partial disabilities (i.e. unable to work full time or unable to perform all your job duties).

The chart below describes the benefits in more detail for both short and long-term disability.

Short Term Disability Benefits (NJ TDB)

Long-term Disability Benefits

Benefits Begin After 7 days of total disability (no elimination period if disabled for 3+ weeks)

After 90 days of total or partial disability (no elimination period if hospitalized for 14+ days while continuously totally disabled)

Duration of Benefit Payment 26 weeks Social Security Normal Retirement Age (SSNRA), or later if ADEA schedule period is longer

Percentage of Income Replaced

Two-thirds (2/3) of average weekly wage

60% of monthly earnings (70% Integrated Benefit) plus extra 20% of monthly earnings if ADL disabled*

Maximum Benefit NJ Statutory Limit($584 per week for 2013)

$15,000 per month plus extra $5,000 per month if ADL disabled*

*ADL disabled: Unable to perform 2 out of 6 Activities of Daily Living as follows: Bathing, Dressing, Toileting, Transferring, Continence, Feeding.

13

Life & AD&D Insurance

Benefits You Receive: Basic Life & AD&D InsuranceSinger Nelson Charlmers provides full-time employees with $25,000 of group life and accidental death and dismemberment (AD&D) insurance. Contact Human Resources to update your beneficiary information.

Voluntary Life & AD&D InsuranceEmployees who want to supplement their group life & AD&D insurance benefits may purchase additional coverage. When you enroll yourself in this benefit, you pay the full cost through payroll deductions. You can purchase coverage on yourself in $10,000 increments up to five times salary. Minimum coverage is $10,000 and maximum coverage is $500,000. You can also purchase coverage for your spouse in $5,000 increments and children in $2,000 increments. Maximum benefit for spouse is $250,000 and maximum benefit for children is $10,000. The first $50,000 of your additional coverage and the first $25,000 of spousal coverage can be purchased without regard to your or your spouse’s health condition but coverage in excess of these Guaranteed Issue amounts require evidence of good health and is medically underwritten.

Monthly Cost for Each $1,000 of Employee Life Insurance Coverage

Age <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+

Life $0.54 $0.78 $0.98 $1.44 $2.04 $3.20 $5.00 $7.68 $13.12

$22.40

$22.40

$22.40

AD&D $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32

Benefits reduce at age 70 with a further reduction at age 75.

Monthly Cost for Each $1,000 of Spouse Life Insurance Coverage

Age <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69

Life $0.58 $0.70 $0.94 $1.05 $1.17 $1.75 $2.69 $5.03 $7.72 $14.85

AD&D

$0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32 $0.32

Benefits end at age 70.

Please refer to your Certificate Booklet for more detailed benefit information, including Accelerated Benefit, Continuation of Life Insurance if Totally Disabled and Conversion Privilege.

14

Long Term CareLong Term Care Plan

Long-term care insurance generally covers custodial care including home care, assisted living, adult daycare, respite care, hospice care, nursing homes, Alzheimer's facilities, and more. You must be unable to perform at least 2 out of 6 Activities of Daily Living (ADL) as follows: Bathing, Dressing, Toileting, Transferring, Continence, Feeding.

Premiums paid on a long-term care insurance product may be eligible for an income tax deduction.

Benefits Provided:

Your plan’s Elimination Period of 60 consecutive days is the amount of time you must wait before benefits become payable. You can purchase $3,000-$8,000 of monthly coverage in $1,000 increments (with or without inflation) with a 3 year, 6 year or lifetime duration. After two years of employment the company provides employees working at least 25 hours a week with a Basic $3,000 coverage plan (no inflation) with a 3 year payment duration.

Guaranteed Issue Period:

The first opportunity for an employee to enroll in the Guaranteed Issue Period is as a new hire after working for 90 days. The second opportunity to enroll in the Guaranteed Issue Period is when you have been employed for two years at which time company’s Basic plan coverage begins. Coverage amounts up to $6,000 (with or without inflation) with either a 3 or 6 year duration can be purchased during these Guaranteed Issue Periods with no medical underwriting. Medical underwriting is necessary if you choose to buy $7,000 or $8,000 of coverage, or the unlimited lifetime payment duration. Medical Underwriting is required for ALL other family members regardless of their coverage election.

15

Benefit Duration 3 Years 6 Years Unlimited

Facility Benefit AmountPer $1,000 Increments

$3,000 to $8,000

$3,000 to $8,000

$3,000 to $8,000

Assisted Living Facility Percent 100% 100% 100%

Lifetime MaximumPer $1,000 Increments $36,000 $72,000 UnlimitedProfessional Home Care 100% 100% 100%

Inflation ProtectionCompound

NoneCompound

NoneCompound

None

Business Travel Accident

Benefits You Receive:

Global ProtectionSinger Nelson Charlmers provides you with Group Travel Accident coverage. This benefit offers you 24-hour global protection while traveling on company business. The Accidental Death & Dismemberment coverage provides a schedule of benefits covering loss of life, limb, sight, hearing and speech. Each employee is covered for a Principal Sum of $250,000.

The beneficiary will be the same as named under our group life plan unless you make a separate designation. An option is included for a seatbelt benefit which provides an additional 10% of the Principal Sum up to $2,000.

In the event of an emergency, the policy covers Emergency Medical Evacuation up to $50,000, Repatriation of Remains up to $10,000 and Emergency Prescription Medication and Legal Referral including bail bonds.

Travel AssistanceThrough Cigna Secure Travel you also have access to pre-trip planning services, including foreign travel assistance, assistance with lost or stolen items, translation and interpretation services and 24-hour multilingual assistance.

Please contact Human Resources for Brochure/ ID card for contact and policy information.

16

Assistance Programs

Employee Assistance Program (EAP)

Benefits You Receive: CompleteSM

Com Psych® Guidance Resources® is a no-cost, company-sponsored benefit that is available to you and your dependents and offers confidential support, resources, and information to get through life’s challenges.

Offered in your EAP, or Employee Assistance Program, is a confidential hotline to discuss some of the problems you face. It is open 24 hours a day, 7 days a week. Call any time with personal concerns, including:

Relationships Substance abuseJob pressures Grief and lossProblems with your children Stress, anxiety or depressionMarital conflicts Empty-nesting

Whether you are a new parent, a caregiver for an elder, sending a child off to college, buying a car or doing home repairs, your EAP includes work-life specialists who are available to help you with resource referrals based on your specific criteria.

Your EAP also provides confidential support with information and assistance when a legal issue arises. If you require representation, they can refer you to a qualified attorney in your area for a free initial consult at no cost and a 25% reduction in customary legal fees thereafter.

Their financial professionals are there to discuss your financial concerns. They will then provide you with the tools and information you need, and for further guidance can refer you to a financial professional for an initial one-hour in person consult at no cost to you.

Finally you can use Guidance Resources Online and each time you return, you will receive personalized, relevant information based on your individual life needs. You can: Take an online Health Risk Assessment, subscribe to timely e-newsletters on topics of interest or get answers to your specific questions.Call: 877.595.5284 TDD: 800.697.0353 Call: 877-595-5284TDD: 800-697-0353Online: guidanceresources.comYour Company Web ID: EAPComplete

17

Emergency Travel Assistance

Benefits You Receive:As an active employee enrolled in Sun Life’s Basic Group Life Insurance you are a member of Assist America and are entitled to its services if you, or your family member, have a medical emergency while traveling more than 100 miles from home.Services include:

Medical consultation, evaluation and referral Hospital admission guarantee Lost prescription assistance Legal and interpreter referrals Emergency medical evacuation Care and transport of minor children

You also have the support of a powerful Identity Theft Protection program, through Assist America’s SecurAssist® Identity Protection program, with 24/7 telephone support and step-by-step guidance by anti-fraud experts.

Contact information:Emergency Travel Assistance: 800-872-1414 (within the U.S.)

301-656-4152 (outside the U.S.)Email: medservices@assistamerica.com

Identity Theft Protection: 877-409-9597

Please contact Human Resources for brochure and ID cards.

18

19

Pinnacle Care

Pinnacle Care

Benefits You Receive:

Singer Nelson Charlmers offers employees this additional benefit at no cost to you.

Pinnacle Care is an advisory service consisting of MD and PhD level research teams that help identify the best physicians, treatments, and medical options for your specific healthcare needs. Their high-quality independent research allows you to make informed decisions about your care. By having relationships with over 1,000 top physicians and provider executives in the U.S. and UK, you have expedited access to the best in class healthcare. There is also trusted integration with local providers to ensure a consistent, coordinated, and positive experience. Pinnacle Care Connection assists all employees and their families in finding providers for 20 specific types of illness:

Cancer Liver Transplant Aortic Valve Replacement Multiple Sclerosis Spine Surgery Kidney Transplant Liver Disease Bariatric Surgery Hand Surgery Pancreas Transplant Mitral Valve Replacement HIV Joint Replacement Carotid Endarterectomy Lyme Disease Hemophilia Heart Transplant Parkinson ’s Disease Hysterectomy Atrial Fibrillation

Web Submission- Please submit a web inquiry indicating your interest and when you would like to be contacted. www.PinnacleCare.com/Connection

20

401(k) Plan

401(k) Plan

Benefits You Receive:Singer Nelson Charlmers offers employees the option to participate in a 401(k) Plan as long as you have attained the age of 21 and completed 90 days of service.

The Plan allows for Singer Nelson Charlmers to make contributions to an employee’s plan at 25% of the first 5% contributed by the employee.

If you have an existing qualified retirement plan (pre-tax) with a prior employer, you may transfer or roll over that account into the plan anytime.

The plan is administered by a company called Klerer Financial.You can choose Investment options that are provided through Nationwide.

Please refer to Plan Highlights Document and Summary Plan Description for more detailed information.

21

Identity Theft

ICR Bridge – Identity Theft

Benefits You Receive:Singer Nelson Charlmers offers employees the option to participate in an Identity Theft program through ICR Bridge.

ICR Bridge is a reputable company that provides you and your family with various credit monitoring services that will track all changes to your financial or public records. You also have access to an on-call fraud specialist who will offer you unlimited assistance to restore your identify. Additionally, a personal insurance policy and reimbursements are available.

Because ICR Bridge is concerned with your personal and private information, they monitor over 1,500 governmental data bases such as all 50 states DMV’s, USPS address changes, police records, etc. They will notify you within 24 hours if any of these data bases register a change. You will be alerted of any suspicious activity through secure e-mail.

22

Focus on Employees

Benefits You Receive:

Singer Nelson Charlmers is focused on the overall wellness of its employees, and continues to make conscious efforts to keep employees active in maintaining healthy habits. The following services are provided on a regular basis:

Fruit and Healthy Snacks in the Kitchen Friday Bagels Company Lunches Monthly Massages Walking Program Fitness America Healthy Habits and Foods Posters David Singer’s Six Simple Rules for a Better Life

S i n g e r N e l s o n C h a r l m e r s

F o c u s o n E m p l o y e e s

23

CONTACT INFORMATIONMedicalAetna

1-800-323-9930www.aetna.com

DentalMet Life

1-800-988-8333www.metlife.com

VisionVision Service Plan (VSP)

1-800-877-7195www.vsp.com

Flexible Spending Account (FSA)Health Reimbursement Arrangement (HRA)

Flex Facts877-943-2287

www.flexfacts.comsupport@flexfacts.com

Hospital Deductible Plan Long Term Care PlanAffinity/ACE USA UNUM 877-673-9797 800-227-4165 www.acegroup.com www.unum.com

Disability, Life & AD&D, Voluntary Life & AD&DSun Life Financial

1-800-247-6875www.sunlife.com

-401(k) PlanNationwide

1-877-304-1065www.nationwide.com

If you cannot resolve your issue with the insurance company then please contact Human Resources.

24

Information in this Benefits Summary is presented for illustrative purposes and is based on information provided by the employer. The text contained in this Summary was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Benefits Summary and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this summary, contact Human Resources.

© Copyright 2008-2010 Zywave, Inc. All rights reserved.

25

NOTES:

26