Global Logistics & Transportation Solutions

1. Global Logistics & Transportation Solutions BDP International, Inc. Benefit Open Enrollment 2014 Plan Year January 1, 2014 – December 31, 2014

2. 2014 Open Enrollment Basics • Open Enrollment will be held from October 21st through November 8th. • Active Online Enrollment • Enroll online through UltiPro. • Everyone must log onto the system to enroll or waive coverage. • Your current coverage will not carry over from 2013! • Elections Remain in place from January 1, 2014 through December 31, 2014. • Benefit elections can only be changed during the plan year due to a “Qualifying Life Event”.

3. Health Care Reform Snapshot • Employer Provisions effective January 1, 2014. • Comply with limits on out-of-pocket maximums for medical plans. • New fees and taxes built into the cost of your Health Insurance. • BDP’s medical plans meet or exceed all requirements with respect to the Coverage requirements for the Patient Protection and Affordable Care Act. The High Deductible Health Plan meets the affordability requirements. • National and State Health Insurance Marketplaces (Exchanges) open October 1, 2013.

4. Health Insurance Marketplace • National and State Health Insurance Marketplace (Exchanges) open October 1, 2013 – coverage effective January 1, 2014 • Access to Health Insurance Marketplace is on an individual basis • You have the option to evaluate other non-employer sponsored health coverage through the Marketplace • Employees eligible for BDP’s benefits may not be eligible for a tax credit through the marketplace • BDP makes a contribution to the cost of full time employee’s medical coverage, which you will lose if you decline BDP’s coverage and buy through the Marketplace • If you decide to shop for coverage in the Marketplace: • Visit www.healthcare.gov OR call 1-800-318-2596

5. Announcements for 2014! • BDP will offer more choice for 2014 with a choice of two medical plans: • Basic PPO plan with deductible and coinsurance; • High Deductible Health Plan with Health Savings Account (HSA). • Focus on becoming an Active Healthcare Consumer • Benefit Plan Year will be January 1st through December 31st • Coverage for Domestic Partners

6. What is Consumerism? • Health care consumerism is all about changing your behavior—becoming more involved in your health, taking more responsibility for making smart health care decisions and leading a healthy lifestyle. It is taking responsibility for your health and your healthcare costs by using tools and information to make informed decisions and save money. • Consumerism is moving from the “doctor says/patient does” model to a “doctor/patient partnership” model.

7. Independence Blue Cross Medical/Prescription Coverage

8. What is a High Deductible Health Plan with HSA? • A High Deductible Health Plan (HDHP is a PPO plan with a deductible that is regulated by the IRS). • A Health Savings Account (HSA) is an account in addition to the medical plan that allows you to make PRE-TAX contributions with any unused funds rolling over year-to-year. • The HSA is a bank account controlled and owned by you to pay for qualified medical expenses (i.e. deductible, coinsurance, prescription drugs and other healthcare expenses).

9. Why would I choose this plan? • Your payroll contributions are less than the Basic PPO plan! • You can make tax-free contributions into your HSA. • Amounts contributed to an HSA belong to you and are completely portable. • Potential interest and investment gains accumulate tax free. • Distributions are tax free when used to pay for qualified medical expenses. • Remaining balances roll over year-to-year.

10. Health Savings Account Features • The HSA is administered through Bancorp Bank • Low monthly account maintenance fee • Free, no annual-fee HSA VISA debit card for easy access • Free first order of 50 checks • 24/7 Customer Service • For more information • Call 1-800-283-1534 • Visit www.mybancorphsa.com

11. When you access Medical Care? • Show your IBC ID card. • Ask the provider to bill the carrier prior to requesting payment from you, so that the discount can be applied. If you are in the Basic PPO plan a copay may still apply for certain services. • IBC will determine your deductible and coinsurance amount – then pay the health care provider the balance. • You will receive an Explanation of Benefits (EOB)detailing the amount paid to the health care provider and your responsibility. • Request an itemized bill from your health care provider. Verify the billed amount against the EOB. If it matches, pay the bill. If you have any questions, contact the carrier or your health care provider.

12. IBC Tools and Resources • Find a Hospital & Provider Tool • Patient Review of Physicians Tool • National Cost Comparison Tool • Access to Physician Quality Measures & Blue Physician Recognition information • Member Out of Pocket Savings Alert Tool • Prescription Drug Pricing Tool

13. Identification of Blue Distinction Centers of Excellence & Estimated Costs for Healthcare Services

14. Member Out of Pocket Costs & Savings Alerts

15. Prescription Pricing Tool

16. Your Prescription Drug Coverage • The Basic PPO plan and the HDHP with HSA will both have prescription drug coverage administered through FutureScripts. • REMEMBER the prescription drug coverage under the HDHP is subject to the medical deductible. • Mail Order is available for Maintenance Medications!

17. Independence Blue Cross Vision Rider To find a provider, log onto www.ibx.com

18. What other plans are available to me? • No Changes to the following coverages! • Aetna Freedom of Choice Dental Plan • Medical and Dependent Care Flexible Spending Accounts • Basic and Voluntary Life Insurance • Short Term Disability • Long Term Disability • Employee Assistance Plan • Countrywide Legal Services

19. Aetna Dental Freedom of Choice Plan • Preventive- routine exams and cleaning, fluoride treatments, sealants and X-rays • Basic- simple fillings and extractions, root canals, oral surgery & gum disease treatment • Major - crowns and dentures • Orthodontia • DMO Plan only covers silver filings for posterior teeth! • For more information visit www.aetna.com or call 1-877-238-6200.

20. Payflex Flexible Spending Accounts Flexible Spending Accounts allow you to set aside pre-tax payroll contributions each pay period. You can not enroll in the Medical Flexible Spending Account if you are enrolled in the HDHP with HSA! ImportantNote!

21. Cigna Life and Disability • Basic Life Insurance • 1x your Basic Annual Earnings (BAE) to a $50,000 max. • Voluntary Life Insurance • Employee: $10,000 increments to the lesser of 5x your BAE or $300,000. Guarantee Issue Amount of $150,000 during initial eligibility. • Spouse: $5,000 increments to the lesser of 50% of EE amount or $150,000. Guarantee Issue Amount of $20,000 during initial eligibility. • Dependent Child(ren): Flat Benefit of $5,000 or $10,000. • Voluntary Short Term Disability • 66 2/3% of your Weekly Base Salary to a $1,000 max. • Voluntary Long Term Disability • 66 2/3% of your Monthly Base Salary to a $5,000 max.

22. Cigna Life Assistance Program • Provides confidential professional resources to Employees and their dependents • Available 24/7 – unlimited online and telephonic resources! • Up to 3 face-to-face counseling sessions. • Why would I use this plan? • Counseling for you or your dependents on issues such as, stress, death, divorce, drug addiction, family crisis, etc. • Assistance finding child care, elder care or assistance with related issues. • For more information call 1-800-550-5297 or visit www.cignabehavioralhealth.com

23. Countrywide Legal Services • Services include advice and office consultations on many personal legal matters with a network attorney. • Power of Attorney, Auto incidents and advice, Real Estate Matters, Estate Planning, Consumer Contracts, Family and Criminal Advice • The Plan covers the employee, spouse and dependents up to age 23 for low bi-weekly cost of $6.44. • Platinum ID Protector Plan bi-weekly cost $4.60. • For more information contact 1-800-550-LAWS or visit online www.countrywideppls.com

24. 2014 Bi-Weekly Employee Payroll Contributions

25. Qualifying Life Event • Remember your elections remain in place from January 1st through December 31, 2014 UNLESS you have an IRS approved life event. • Notify Human Resources within 31 days of the following events to make a change: • Marriage or Divorce • Birth or Adoption, or Placement for Adoption • Legal Custody • Death of a Dependent • Loss of other Health Insurance

26. Ultipro On-line Enrollment

27. Explanation of New Enrollment Process To begin your elections sign into your Ultipro Employee Self Service (ESS) profile from the Ultipro log-in screen.

28. Explanation of New Enrollment Process All eligible dependent information is required, including: Name SSN Date of birth Gender Relationship Designation

29. Explanation of New Enrollment Process

30. Explanation of New Enrollment Process Verification of Dependent Information allows you to edit add or change contact details Remember - if you are enrolling eligible dependents all contact details; name, social security number, birthdate, gender, relationship and designation must be completed.

31. Explanation of New Enrollment Process You can decline or select benefits from two plan options: HDHP you are also eligible to elect the Health Savings Account (HSA) PPO plan you are eligible to elect the Flexible Spending Account (FSA) for medical.

32. Explanation of New Enrollment Process If electing a HSA or FSA plan option indicate your annual goal amount, your per pay amount will calculate – if you change your election select the “Reset” button from the navigation bar.

33. Explanation of New Enrollment Process Elect or waive your dental option(S), if you elect the DMO plan, a dental provider number will be required.

34. Explanation of New Enrollment Process Review your elections and compare current benefits to your 2014 Open Enrollment elections. The confirmation page includes plan details, covered family members and pay period cost, following review select Submit to complete your enrollment.

35. Open Enrollment Reminders! • Remember to enroll online no later than November 8th • Proof of dependent status is required! • Call the CARE Unit for confidential dedicated support • Denise Thomas 888-676-6767 or denise.thomas@willis.com • Any Questions?