Voluntary VSP® Vision Care Plans

With VSP open Access you can select any provider nationwide Choose from 67,000 VSP Signature access points nationwide. You pay only the selected copay for covered benefits.

Or select the provider of your choice (see Open Access Reimbursement Allowances).

What are the Benefits? You receive a WellVision exam, lenses, and frames according to the schedule of benefits you purchase.

Choose from several copay and frequency options: VSP B plans have a 12-month exam, 12-month lenses, and 24-month frame frequency. VSP C plans have a 12-month exam, 12-month lenses, and 12-month frame frequency.

Signature Plan Copay Options EE EE + Spouse EE + Child(ren) EE + Family VSP B $10 Exam/$25 Materials $11.50 $18.40 $18.70 $30.10

$25.00 Copay $12.30 $19.60 $20.00 $32.20 $10.00 Copay $15.40 $24.60 $25.10 $40.40 No Copay $17.30 $27.70 $28.20 $45.40

VSP C $10 Exam/$25 Materials $13.80 $27.70 $29.60 $47.30 $25.00 Copay $14.30 $28.50 $30.40 $48.50 $10.00 Copay $16.30 $32.50 $34.80 $55.60

No Copay $18.10 $36.20 $38.70 $61.80 Rates Shown are valid from January 1, 2014 through December 31, 2015.

VSP WellVision Exam®: A WellVision Exam is more than just a quick eye check. It focuses on your eye health and overall wellness. VSP doctors get to know you and your eyes. They take the time to look for vision problems and signs of other health conditions too. Prescription Glasses. Lenses: Glass or plastic, single vision, lined bifocal or lined trifocal prescription lenses are covered in full. All lens enhancements covered after a copay, saving members an average of 35-40%. Dependent children of members are eligible for covered in full polycarbonate prescription lenses. You’ll also receive 20% savings on unlimited additional pairs of prescription glasses and non-prescription sunglasses. Frame: When visiting a VSP doctor you’ll have a $150 allowance toward your frame. If you choose a frame over the plan’s allowance you will receive a 20 % savings on the amount over your frame allowance. Contact Lenses: Instead of eyeglasses (lenses and frame) elective contact lens services and materials are covered in full up to $150 toward any type of prescription contact lenses. Necessary contact lenses are covered in full for those who have specific conditions for which contact lenses provide better visual correction. You’ll also receive 15% off contact lens services, excluding materials. Materials may be purchased at the doctor’s usual and customary fees. Contact lens frequency is the same as lenses. Laser VisionCare Program: We have negotiated special pricing with participating centers, which can add up to hundreds of dollars in savings for VSP members. Contact the centers near you to learn more about their pricing. Value-Added Discounts Contact Lenses: You get 15% off your contact lens exam. Glasses and Sunglasses: You get an average 35-40% savings on all non-covered lens options like progressives and anti-reflective and scratch-resistant coatings. You also get 30% off additional pairs of prescription glasses and sunglasses (lenses and frame), including lens options, from the same VSP doctor on the same day as your WellVision Exam. Or get 20% off from any VSP doctor within 12 months of your last WellVision Exam. Low Vision Benefits and Diabetic EyeCare Program are also included. Please view a Certificate of Benefits for more details. Suncare Enhancement: Members can use their frame allowance toward non-prescription sunglasses from their VSP Preferred Provider’s frame board, exhausting both their lens and frame eligibility. How does the plan work? Find the right VSP doctor for you. The Signature Plan is a full-service plan with choice, flexibility and maximum value through a VSP Preferred Provider or participating retail chains. You’ll find plenty to choose from at vsp.com or by calling 800-877-7195. Already have a VSP doctor? At your appointment tell them you’re a VSP member. Check out your coverage and savings. Visit vsp.com to see your benefits anytime and check out how much you saved with VSP after your appointment. That’s it! VSP and the doctor handle the rest. What if I select a non-VSP provider? With VSP open Access you can see any provider. You get the best value from your benefit when you see a VSP doctor, and your satisfaction is guaranteed. If you see a non-VSP provider you’ll typically pay more out-of-pocket. You’ll pay the provider in full and have 6 months to submit a claim to VSP for partial reimbursement less copays. Before seeing a non-VSP provider call VSP Member Services at 800-877-7195. VSP Open Access Reimbursment Allowances: Exam: $50.00. Materials: Single-vision lenses $50.00; Bifocal lenses $75.00; Trifocal lenses $100.00; Lenticular lenses $125.00; Progressive $75.00; Frame $70.00. Contact Lenses (instead of lenses and frame; includes contact lenses, fittings, and evaluation only) Necessary: $210.00, Elective: $105.00 VSP Plan Limitations The following items are excluded under this plan: two pairs of glasses instead of bifocals; replacement of lenses, frames or contacts; medical or surgical treatment; and orthoptics, vision training or supplemental testing. The following items are not covered under the contact lens coverage: insurance policies or service agreements; artistically painted or non-prescription lenses; additional office visits for contact lens pathology; and contact lens modification, polishing or cleaning.

DentalandVisionIns.com

Wolfpack Insurance Services 800-296-0192 FAX 650-591-4022 Lic 0814789

DentalandVisionIns.com Wolfpack Insurance Services, Inc

Plan Rules

Wolfpack Insurance Services, www.DentalandVisionIns.com, and the Small Business Benefit Plan Trust. We are Wolfpack Insurance Services, Inc. Our Web site address is DentalandVisionIns.com or DVIns.com. We have established a small business group pool called the Small Business Benefit Plan Trust. The Trust is fully insured by VSP Vision Care. We have two pool renewal periods: • Groups that enroll from January through June renew in January. • Groups that enroll from July through December renew in July. Eligibility Employers must have two or more full-time, unmarried employees. (Married employees count as one). Contribution/Participation – This presentation is for the Voluntary VSP Plans. Voluntary VSP plan groups must enroll and keep at least two unrelated employees enrolled in the plan. We also offer contributory VSP plans. The contributory plan rates are lower than the voluntary plan rates. For the contributory plans, the employer must contribute a minimum of 50% of the employee premium. 75% of the eligible employees must participate in the plan and 100% must participate if the employer contribution is 100% of the employee premium. Contributory rates can be found at DVIns.com. Employees All employees of the employer who are performing active work on a full-time basis (20 hours a week or over) are eligible for benefits, including corporate officers, owners, and/or partners. Dependents All eligible dependents must enroll on the original effective date. Dependents can also be added for a later effective date if they are newly eligible or as part of an open enrollment process. Eligible dependents include legal spouse or domestic partner and unmarried children to age 26. The employer is responsible to report any changes to a dependent’s eligibility to Wolfpack Insurance Services, Inc. Newborn children do not need to enroll until just before their first appointment, usually before age 4. Domestic Partners are defined as same-sex and opposite-sex couples registered with any government agency authorizing such registrations. Domestic Partners are subject to the same terms and conditions as any other dependent. Effective date When a firm joins the Plan the coverage of its current employees will be effective on the first day of the month following approval of the firm’s application to participate. Additions to the plan will be effective the first of the month after the elected probationary period from the employee’s date of hire. Billing Questions Invoices are mailed on or about the 10th of the month prior to the coverage month and are due on the 25th of the month prior to the coverage month. Cancellation of the plan will result if premium is not received by the end of the month shown on the invoice as the ‘Invoice for’ month. Eligibility will not be reported unless premium for the month is fully paid. Return checks are subject to a $20.00 fee. A monthly administration fee of $10.00 is charged to all groups of less than 20 enrolled employees. The administration fee is reduced to $0 if the group enrolls in automatic payment and emailed receipt of monthly invoices.

Enrollment materials are available for download at our Web site, DVIns.com.

Phone: 800-296-0192 Fax: 650-591-4022 10/15/2014

Research shows what consumers really want in a vision plan:1

#1 Savings/Low out-of-pocket cost (58%)#2 Access to all provider types (15%)#3 Ability to go to many different locations (10%)#4 Customer service (8%)

©2014 Vision Service Plan. All rights reserved. VSP is a registered trademark, and Primary Eyecare Plan is a service mark, of Vision Service Plan. All other company names and brands are trademarks or registered trademarks of their respective owners. JOB#17398BR 6/14

VSP® delivers what consumers want.

1. Jobson’s 2012 Consumer Perceptions of Managed Vision Care 2. United Healthcare Vision (UHC), formerly known as Spectera® 3. Ipsos National Vision Plan Member Research, 2013 4. Service Quality Management, Inc. 2013 5. Less any applicable copay 6. HIPAA-compliant patient-specific data exchange for groups over 400 enrolled

#158%Savings/Low Out-of-pocket Cost

#2#3

#4#5

#6#7

#1 Low Out-of-pocket Costs VSP Davis EyeMed UHC2

Lowest out-of-pocket guarantee •

Wholesale pricing guarantee on frames •

Exclusive savings on the widest selection and brands of lens enhancements •Polycarbonate lenses for children covered in full • •

Exclusive rebates for new and replacement contact lenses •

#2 and #3 Network Access and Locations VSP Davis EyeMed UHC

Largest national network of independent eye doctors •

Early morning, evening, and weekend appointments • • • •

Access to national retail chains • • • •

#4 Customer Service VSP Davis EyeMed UHC

Highest overall member satisfaction3 •

Highest satisfaction with Call Center4 •

Rated highest on easy-to-use benefits3 •

Added Value Employers Can’t Get Anywhere Else

• Primary Eyecare PlanSM—in office 24/7 urgent care available5

• Complimentary Eyecare Exam Reminder for diabetic patients

• Patient-specific data exchange with health plans and disease management6

• Exclusive access to TruHearing® and other discounts

• Continuity from tenured account representatives averaging 12 years with VSP

• Not-for-profit managed care vision company

Contact your VSP representative to learn how Smarter Vision CareTM delivers the most savings, better choices, and the best service.

VSP® Vision Care puts your employees first. That’s why we guarantee they’ll get the lowest out-of-pocket costs—employees’ #1 priority in a vision plan.1

Better Employee Value

Employeessatisfied with

their benefits are

2Xmore loyal.5

Visit vsp.com/specialoffers to see more ways your employees can save.

JOB# 16244CL 9/14

1. Jobson Research’s 2012 Consumer Perceptions of Managed Vision Care Insight Survey 2. Based on applicable laws, benefits may vary by doctor location. 3. Featured frame brands include: Airlock®, Altair®, Anne Klein, bebe, Calvin Klein®, Chloé®, Diane von Furstenberg®, Dragon®, Emilio Pucci®, Flexon, Genesis®, JOE Joseph Abboud®, Joseph Abboud®, Karl Lagerfeld®, Lacoste, Marchon NYC®, Nautica®, Nike, Nine West, Revlon®, Salvatore Ferragamo®, Sean John®, Tommy Bahama®, Valentino®, and X Games®—brands subject to change. 4. Available only through VSP doctors to VSP members with applicable plan benefits. 5. MetLife 11th Annual study of Employee Benefits Trends, 2013 6. TruHearing savings compared to national average retail prices on state-of-the-art digital hearing aids.

©2014 Vision Service Plan. All rights reserved. VSP is a registered trademark of Vision Service Plan. All other company names and brands are trademarks or registered trademarks of their respective owners.

Better Value Every Day As the only national not-for-profit vision company, VSP gives your employees the best value for their eyewear.

• Most popular lens enhancements are covered after a copay, delivering substantial savings to your employees.

• Wholesale Frame Guarantee means more frames are covered in full with their allowance.

• Employees also get 20% off frames over their allowance amount.2

Plus, your employees automatically get an extra $20 to spend on featured frame brands like Anne Klein®,bebe®, Calvin Klein®, Flexon®, Lacoste®, Nike®, and Nine West®.3

Exclusive Member Extras Only VSP members can save more than $2,500 by taking advantage of exclusive rebates and special offers, including:

• Rebates on the most popular contact lens brands• Special discounts on preferred frame brands• Laser vision surgery—up to $500 savings • Nike-authorized prescription sunglasses—average

savings of $3254 Employees also save up to $2,600 with TruHearing® on each pair of digital hearing aids.6

Look beyond the premium and see the real cost of vision.

in a vision plan is low out-of-pocket costs.

#1 PRIORITY

Could your vision plan be taking money out of your National retail pricing research demonstrated that the same glasses cost substantially less with VSP® than with other vision coverage.

While it’s important to look at premium costs, you shouldn’t lose sight of out-of-pocket costs— in a vision plan.1

The Real Cost of Vision Care

JOB#14829CL 10/13

1. Jobson’s 2012 Consumer Perceptions of Managed Vision Care2. Study was commissioned by VSP and conducted from November to December 2012. Study sample consisted of randomly selected, geographically representative shops—nearly 850 private-practice independent doctor locations and nearly 450 retail chain locations.

©2014 Vision Service Plan. All rights reserved.VSP, Vision care for life, VSP Signature Plan, and VSP Choice Plan are registered trademarks of Vision Service Plan. All other company names and brands are trademarks or registered trademarks of their respective owners.

JOB#16070CM 3/14

*Ipsos National Vision Plan Member Research, 2012

©2014 Vision Service Plan. All rights reserved.VSP, VSP Vision care for life, and WellVision Exam are registered trademarks of Vision Service Plan.

As a member, VSP puts you first by investing in the things you value most—high-quality vision care at the best value. Because we’re the only national, not-for-profit vision care company, you can trust that we’ll always put your wellness over profit.

Regular eye exams are important.With VSP you get the highest level of care, including a WellVision Exam®—the industry’s most thorough eye exam, designed to detect signs of health conditions like diabetes and high blood pressure.

Using your VSP benefit is easy.• Receive eyecare and eyewear at the location that’s right for you.

Visit a VSP doctor or any other provider. With the best choice in eyewear, it’s easy to find a frame that’s right for you and your budget. Choose from great brands like bebe®, ck Calvin Klein, Flexon®, Lacoste, Michael Kors, Nike, Nine West, and more. To find a VSP doctor who carries your favorite brands, visit vsp.com.

• Review your benefit information. Before your appointment, visit vsp.com or call 800.877.7195 to review your benefit information and Exclusive Member Extras like special offers and rebates.

• At your appointment, tell them you have VSP. There’s no ID card necessary.

That’s it! We’ll handle the rest—there are no claim forms to complete when you see a VSP doctor.

See why we’re consumers’

#1 choice in vision care.*

Contact us.vsp.com | 800.877.7195

Keep your eyes healthy with VSP® Vision Care.

Satisfaction GuaranteeIf you’re not 100% happy with the eyecare and eyewear you receive from a VSP doctor, we’ll make it right.

1. Brands/promotion subject to change2. Savings based on doctor’s retail price and vary by plan and purchase selection; average savings determined after benefits are applied.3. Available only to VSP members with applicable plan benefits. 4. Savings compared to national average retail prices on state-of-the-art digital hearing aids; offer not available in WA

©2014 Vision Service Plan. All rights reserved. VSP and UNITY are registered trademarks, and sunsync is a trademark, of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands are trademarks or service marks of their respective owners.

For more great offers, scan or visit vsp.com/specialoffers.

With Exclusive Member Extras, savings never looked so good. We put our members first by providing exclusive special offers from VSP and leading industry brands, totaling more than $2,500 in savings.

Big Value. More Savings with VSP® Vision Care.

• Extra $20 to spend on featured frame brands like Anne Klein, bebe®, Calvin Klein, Flexon®, Lacoste, Nike, Nine West, and more.1,3

• Mail-in rebate savings and free trials on Bausch + Lomb® contacts

• Average savings of $325 on Nike-authorized prescription sunglasses2,3

• Up to 50% savings on UNITY® digital lenses2,3

• Up to 40% savings on sunsyncTM - lenses that adapt to your environment2,3

• Up to $500 savings on LASIK

• Savings of up to $2,400 on a pair of digital hearing aids and savings on batteries for you and your extended family members through TruHearing®4

JOB#17318XA 6/14

EXTRA $20TO SPEND

VSP® puts our members first by delivering the best value through Exclusive Member Extras, like an extra $20* to spend on featured frame brands.

Find a doctor who carries these brands at vsp.com.

*Extra $20 to spend is in addition to your allowance. Check your frame coverage section in My Benefits at vsp.com to see if this offer applies.

©2014 Vision Service Plan. All rights reserved.VSP is a registered trademark of Vision Service Plan. MarchoNYC and Flexon are registered trademarks of Marchon Eyewear, Inc. All other brands or marks are the property of their respective owners. JOB#17414CM 6/14

Available only to VSP members with applicable plan benefits. Frame brands subject to change. Expires 12/31/15

$20GET AN EXTRA

TO SPEND ONFEATURED FRAME BRANDS

Featured frame brands include:Airlock® • Altair® • Anne Klein • bebe® • Calvin Klein Collection • Calvin Klein • Chloé • Diane von Furstenberg Dragon • Flexon® • Genesis • G-STAR RAW • JOE Joseph Abboud® • Joseph Abboud® • Karl LagerfeldLacoste • MarchoNYC® • Nautica • Nike • Nine West • Revlon® • Salvatore Ferragamo • Sean JohnSight for Students® • SunlitesTM • Tommy Bahama • Valentino • X Games

Choose a style from one of these brands and $20 will automatically be applied to your purchase when you use your benefits.

Scan for more information or go to vsp.com/specialoffers.

Diabetes is expensive Diabetes prevalence is growing to epidemic proportions. For every 100 employees, 17 will have diabetes by 2015, costing you $47,400 in the first two years after identification.1

As the only national not-for-profit in vision care, VSP® puts your employees first by helping to keep them healthy through earlier detection of chronic conditions like diabetes.

VSP helps you take control

Better AccessMore VSP members get a WellVision Exam® so you get 6X the opportunity for earlier detection.2

Earlier DetectionVSP doctors detect signs of diabetes before other healthcare providers 34% of the time.3

Proactive EngagementAfter VSP sends complimentary reminders to employees with diabetes, 22% more return for an exam.

Smarter Vision Care™ Doubles as Preventive Medicine

Lower Healthcare CostsYou save $2,787 over two years for every employee who seeks medical care for diabetes after a WellVision Exam.3

Improve employee health and productivity, and lower healthcare costs with Smarter Vision Care from VSP.

2000 2025

<6%

6-7%

8-9%

10-11%

12-13%

14-15%

16-17%

18-19%

JOB#14948BR 1/14©2014 Vision Service Plan. All rights reserved. VSP and WellVision Exam are registered trademarks, and Smarter Vision Care is a trademark of Vision Service Plan.

1. Institute for Alternative Futures; http://www.pophealthmetrics.com/content/8/1/29 2. American Journal of Preventive Medicine 2012, 42, Issue 2:164-73; VSP utilization data 3. Human Capital Management Services, Inc. (HCMS) on behalf of VSP, 2013

Here’s how it works:

1. Members call TruHearing. Members and their family call 877.396.7194 and mention VSP.

2. Schedule exam. TruHearing will answer questions and schedule a hearing exam with a local provider.

3. Attend appointment. The provider will make a recommendation, order the hearing aids through TruHearing and fit them for the member.

Learn more about this VSP Exclusive Member Extra at vsp.truhearing.com. Or, call 877.396.7194 with questions.

TruHearing® Hearing Aid Discount Program

96% of customers surveyed would recommend TruHearing to their friends and family.*

Hearing loss is growing in the workplace.Like vision loss, hearing loss can have a huge impact on productivity and overall quality of life. Unfortunately, of the 30 million people who need hearing aids, only one in five has them. Cost is often a major factor.

*Based on a 2013 satisfaction study of VSP members.

The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations, or warranties regarding any products or services offered by TruHearing, a third-party vendor. The vendor is solely responsible for the products or services offered by them. If you have any questions regarding the services offered here, you should contact the vendor directly. Offer not available in WA.

©2014 Vision Service Plan. All rights reserved. VSP is a registered trademark of Vision Service Plan. All other brands or marks are the property of their respective owners.

VSP® Vision Care members can save up to $2,400 on a pair of digital hearing aids. Dependents and even extended family members are eligible for exclusive savings, too.

More Than Just Great PricingTruHearing also provides members with:• 3 provider visits for fitting, adjustments, and cleanings• A 45-day money back guarantee• 3-year manufacturer’s warranty for repairs and one-time loss and damage• 48 free batteries per hearing aid

Plus, members get:• Access to a national network of more than 4,500 licensed hearing aid

professionals• Straight-forward, nationally fixed pricing on more than 90 digital hearing

aids in 400 styles from five of the seven industry-leading brands• Deep discounts on replacement batteries shipped directly to their door

Best of all, if your organization already offers a hearing aid benefit, members can combine it with this program to maximize the benefit and reduce their out-of-pocket expense.

JOB#17348CM 7/14