2013 U.S. Health and Welfare Benefits Enrollment Presentation

1. 2013 U.S. Health and Welfare Benefits Enrollment Presentation

2. Annual Enrollment for 2013 You only need to complete an enrollment formif you… • want to enroll in or make changes to your current medical, dental, vision or voluntary (employee paid) benefit elections; and/or • want to enroll, or re-enroll, in FSAs • want to enroll, or re-enroll in the Hyatt Legal Plan • Your enrollment form must be submitted to the Benefits Department in the Dallas office by… 5:00 P.M. local time on November 21, 2012

3. Important Health and Welfare Benefit Offerings Benefits Enhanced • Medical Plan Benefits & Plan Options • Dental Plan Benefits • Voluntary Vision Plan Benefits • Company Paid Life, AD&D & LTD Insurance Coverage • Optional Life Insurance for me, my spouse and my child(ren) • Voluntary Short Term Disability • Flexible Spending Accounts (FSAs) • Health Care • Dependent Care • Company Provided Business Travel Accident Policy • Travel Assistance • Employee Assistance Program • Voluntary Benefits through MetLife • Auto, Homeowners, Personal Liability Insurance • Pet Insurance • Pre-Paid Legal (Hyatt Legal) Benefit Increased HC FSA Limit Reduced to $2,500 New Enrollment Process

4. Benefit Cost Increases for 2013

5. Benefit Cost Increases for 2013 • Medical • Dental • Employee Paid Life and Short-term Disability Insurance • Employee Paid Vision Care • Prepaid Legal Service Cost Increase Cost Increase No Cost Increase

6. Medical Plan Benefits Preventative visits paid at 100% Basic vision exam included in medical benefits • 2013 *ACA-required enhanced preventive care and screenings for women: • well-woman visits • screening for gestational diabetes • human papillomavirus (HPV) DNA testing • counseling for sexually transmitted infections • counseling and screening for human immune-deficiency virus • contraceptive methods and counseling • breastfeeding support, supplies and counseling • screening and counseling for interpersonal and domestic violence • *ACA is the acronym for Affordable Care Act • Ask Aetna questions directly at 888-416-2277 or www.aetna.com

7. Prescription Drug Benefits

8. Dental Plan Benefits Dental PPO • Administered by • Large network of providers • Additional savings by using a network dentist • In-network dentists file claims • NO ID cards for dental! • http://mybenefits.metlife.com • To register and create your password you will need to provide ss# and date of birth • 800-942-0854

9. Dental Plan Benefits • Deductible • $50 Individual • $150 Family • Covered Expenses • Preventative care – 100% • Basic restorative – 80% (after deductible) • Major restorative – 50% (after deductible) • $1,500 annual dental maximum per participant • Orthodontia • 50% (after deductible) • $1,500 lifetime maximum per participant • Dependent children only

10. Vision Care Benefits

11. Coverage 2013 Core Medical Plan 2013 Buy-up Medical Plan Monthly Monthly EE Only $ 63.74 $ 125.50 EE + Spouse $ 216.98 $ 296.80 EE + Child(ren) $ 192.28 $ 272.58 EE + Family $ 279.94 $ 427.94 Employee Contributions to Medical Coverage Payroll deductions for group medical insurance are pre-tax

12. Employee Contributions to Dental Coverage Payroll deductions for group dental insurance are pre-tax

13. Employee Contributions to Vision Coverage Payroll deductions for group vision insurance are pre-tax

14. Reminder… • When enrolling a dependent for the first time or making a qualified change during the year or during annual enrollment you will need to submit appropriate documentation to support proof of dependency. • Definition of Eligible Dependent: • A lawful spouse • Your unmarried children who • Are less than 26 years of age; • Do not have access to their own insurance through their employer; • Over 26 years old and primarily supported by you and incapable of self-sustaining employment by reason of mental or physical handicap.

15. Acceptable Forms of Proof: • Spouse • Marriage certificate • Affidavit of common law marriage (in states where legal) • Dependent Child • Certificate of live birth • Certificate of adoption • Medical support order (for court ordered coverage) • Certificate of legal guardianship • Previous year’s tax records showing your name, your spouse’s name, and the name of your dependents (if applicable), and the signatures of both you and your spouse (financial information can be blacked out)

16. Service provided as a benefit to employee at no cost Confidential Nation-wide provider network Covers employee and anyone in the employee’s household Unlimited telephone counseling 24 hours a day, 7 days a week Personal, Legal, and Financial Consultation WorkLife Services Services offered through the Organizational Risk Management Center Employee Assistance Program (EAP) • 3 Sessions with a counselor • Access Phone Number • Web Access Call: 866-611-2826 www.MyLifeValues.com Login: pegasus Password: eap

17. Flexible Spending Accounts You must re-enroll each year to participate!!! HC FSA Limit reduced to $2,500 • You may put between $100 and $2,500in your Health Care FSA • You may put between $100 and $5,000 in your Dependent Care FSA • Child Day Care • Elder Day Care • Not Health Care If you currently participate in the FSA plan, do not destroy your BennyCard, as it will be reloaded for the 2013 Plan year with your new election amount. New participants will receive their BennyCards in the mail prior to January 1, 2013.

18. Life and AD&D Insurance Basic Life / Accidental Death & Dismemberment Insurance* (company paid) • 2X salary up to $500,000 Optional Life Insurance*(employee paid) • Employee • 1X, 2X, or 3X salary up to $1 million • EOI required for any changes or additions to coverage • Spouse (employee must elect at least 1X salary in optional) • Up to 100% of employee supplemental life benefit up to $250,000 • EOI required for any changes or additions to coverage • Children (must elect at least 1X salary in optional) • $5,000 or $10,000 • $0.40 or $0.80 per month * The benefit reduces 33% at age 65 and 50% at age 70. Refer to Plan Document for details. Benefit Increased!!

19. Disability Insurance Short-term Disability (employee paid) • 14-day elimination period • 60% of salary up to $1,000 per week (minimum = $25/week) • After-tax premiums = tax-free benefit • Benefit paid for 24 weeks (168 days) after elimination period • Seamless transition from short- to long-term disability • EOI required for any new elections Long-term Disability (company paid) • 60% of salary up to $11,000 per month (minimum = $100/mo.) • 180-day elimination period • Benefits received are taxable

20. Business Travel Accident Insurance • $250,000 Coverage Level • Covers accidental death and dismemberment • No cost to employees • Covers you when you travel on Company business

21. AXA Travel Assistance • Covers you and your eligible dependents when you are 100 miles or more from your home • Key Services: • Medical Referrals & Appointments/Hospital Admission Guarantee • Emergency Evacuation • Critical Care Monitoring • Medically Supervised Repatriation • Emergency Message Transmission • Legal Referrals • General Travel Info (visa, passport, local customs) • Lost Document/Luggage Assistance • Emergency Cash/Bail Assistance • Political Evacuation • Card/Brochure w/contact number on www.pegshr.com • Eligible dependents DO NOT have to be traveling with employee to be covered.

22. Pre-Paid Legal (Hyatt Legal) • Plan gives you and your family access to legal services • Attorney fees fully paid by the plan when you use an in-network attorney • No limits on the number of times you may use the plan, and no dollar limits on use of an in-network plan attorney for the following services: • • Purchase, sale or refinancing of your primary residence • • Trusts, wills/codicils, living wills and powers of attorney • • Document preparation • • Immigration assistance • • Identity theft and debt collection defense • • Traffic ticket defense (no DUI) • • Elder law matters • • Uncontested adoption or guardianship • • Defense of civil lawsuits • • Eviction and tenant problems (primary residence tenant only)

23. Pre-Paid Legal (Hyatt Legal) Enroll/waive pre-paid legal the same as other benefits. All enrollments are for the entire calendar year – no changes can be made during the year 2013 rate is unchanged at $26.65 per month ($13.48 per pay)

24. Other Benefits • Metpay Home and Auto Insurance • Pet Insurance • Call 1-800-Get-Met8 • Enroll or cancel at any time

25. 401(k) Deferral Limits for 2013 • The IRS will increase the maximum amount you may defer into your plan in 2013 to $17,500 (incr. from $17,000 for 2012) • As in 2012, employees 50 yrs of age or older in 2013 may defer an additional $5,500 in “catch-up” contributions (over-and-above the normal deferral limit) • The IRS has increased the compensation limit for 2013 to $255,000 (incr. from $250,000 for 2012) All 401(k) plan changes must be made directly into Milliman’s system at www.millimanbenefits.com no later than 2:59 PM CDT on 12/28/2012 in order to be effective during the first quarter of 2013. Your catch-up contribution election will automatically roll-over for plan year 2013, unless you go out to the Milliman web site and dis-enroll yourself.

26. Annual Enrollment for 2013 You only need to complete an enrollment form if… • you want to enroll in or make changes to your current medical, dental, vision or voluntary (employee paid) benefit elections, • you want to enroll, or re-enroll, in FSAs • enroll/re-enroll in the Hyatt Legal Plan • Your enrollment form must be submitted to the Benefits Department in the Dallas office by… 5:00 P.M. local time on November 21, 2012

27. 2013 Benefit Election Confirmation Statements Statements will be mailed to your home address the week of December 5th. You should… • review your statement to determine there are no data entry errors on our part, • correct any data entry errors by making the pertinent changes on the statement, and • sign and date the statement and return it to the benefits office in Dallas The Benefits office in Dallas must receive your corrected statement by5:00 p.m. (CST) on Thursday, December 20, 2012. If everything is correct, then no further action is required on your part.

28. Get your questions answered quickly! (214) 234-4604 janis.nayyeri@pegs.com Help!!!

29. 2013 U.S. Health and Welfare Benefits Enrollment Q&A