MM/DD/YYYY

1. Employee Benefits Plan MM/DD/YYYY

2. AGENDA IMSS MAJOR MEDICAL EXPENSES MINOR MEDICAL EXPENSES DENTAL & VISION

3. IMSS

4. IMSS - INCAPACIDAD • The Mexican Social Security Institute (Spanish: Instituto Mexicano del Seguro Social, IMSS) is a governmental organization that attends to public health, pensions and social security in Mexico. • You must get your registration card (Carnet) at the clinic that correspond to your address. • If you get sick and miss work for more than three days you will need to visit the IMSS Clinic to get an “incapacidad.” It is a document that reimburses part of your salary to the school while you are sick.

5. What do I need to do to be registered in the clinic? • The “Instituto Mexicano del Seguro Social, IMSS” offers personal attention through its toll-free telephone number 01800-623-23-23, where you can get the number and the address of the clinic that corresponds to your home • The documentation you need to take to the clinic to get the registration are: *Official ID (FM3, IFE or Passport* Birth Certificate (original or apostille)* CURP *IMSS number *Most recent proof of address - Cablevision, Water, Phone bill - It doesn´t have to have your name on it. • You must take the documents to the clinic’s “Control de Prestaciones” office, preferably during the afternoon between 2:30 and 8:00 p.m.

6. Carnet Example: Once you have your “Carnet” you must present a copy of it to the HC office to keep in your file.

7. Major Medical Expenses

8. Major Medical Expenses • Who is elegible for coverage?: All employees reported to the insurance company as of their first day of work, who are full-time employees with an indeterminate contract, and their dependants (spouse and unmarried children up to 24 years of age who are not employed). • When does the coverage start? It starts the day that the labor contract begins and ends the last day of work at ASF. • Period Covered: June 30, 2012 - June 30, 2013 • Insured Amount per Ilness: 500,000 SMGM ($ 935,000) • Deductible: 1.5MMMW ($2,804) • Co-payment (just for illness): 10%

9. How to use the coverage Major Medical Expenses DIRECT PAYMENT AGREEMENT REIMBURSEMENT PLANNED SURGERIES Planned surgeries Authorizations or Advanced Payments of 70%. Recovery of the medical expenses when higher than the deductible amount. Only for hospitals and doctors belonging to the insurance group The hospitalization period should be at least 24 hours. You must present a guarantee of payment.

10. EXAMPLE OF A MEDICAL EXPENSES REIMBURSEMENT: • ILLNESS (Assuming it is a covered illness): • Hospitalization: $32,466 • Medical Fees: $25,000 • Miscellaneous: $ 5,000 • Total Claimed $62,466 • Deductible $ -2,804 • Subtotal $ 60,000 • Co-payment 10% $ -6,000 • Total Reimbursement: $ 53,662

11. To be considered... • The Planned Surgery Authorizations and the Direct Payment Agreements will be given only if: • Insurance Group Doctor.- Both the hospital expenses and fees are covered. One Minimum Monthly Wage is reduced from the deductible and 10% from the coinsurance. Personal expenses will be paid by the insured. • Pre-Approved Doctor .- Doctor who does not belong to the insurance company group, but agrees to the insurance company’s cost schedule. One Minimum Monthly Wage ($1,804) is reduced from the deductible and 10% from the coinsurance. The personal expenses will be paid by the person. • Neither a Pre-Approved nor an Insurance Group Doctor.- Only the hospital expenses are covered. The fees are processed through reimbursement. The personal expenses, the complete deductible and the coinsurance will be paid by the insured.

12. Documentation required. • Illness or Accident Notice completely filled-in and signed by the patient and by the insured employee. • Medical Report completely filled-in and with the doctor’s signature. • All the original FACTURAS of the expenses, with a description for each item and unit cost; those receipts must be issued to the employee’s name and fulfill all fiscal requirements. • Receipts from each lab, medical receipts, studies performed and analysis done. • X-ray studies (always needed for nose surgeries), and any x-rays needed to find the problem. • Response time: 5 working days from when the insurance company receives the complete information.

13. Main covered expenses. • Doctors and/or surgeons: Fees for surgery, including fees for assistants, for visits and/or consultations, provided they are not the insured person’s relatives. The fees for post-surgery consultations must be included in the surgical fee. • Diagnostic services: Laboratory and/or office exams, x-rays, etc., that are necessary to diagnose the covered accident or illness. • Nursing Services: Fees for an 8-hour shift, a maximum of three shifts a day as REQUIRED BY AND PRESCRIBED BY THE AUTHORIZED PHYSICIAN. If nursing services are rendered out of the hospital, a maximum of 30 days will be paid for each accident or sickness. • Local land ambulance service: From to and from the hospital.

14. Main covered expenses. • Cesarean and natural deliveries are covered with a waiting period of 12 months, up to 30 Mexican Minimum Monthly Wages ($54,120), with deductible of 3 Mexican minimum wages ($5,412) and co-payment. • 3 days in the hospital for the newborn are covered. • Pediatrician fees are covered up to CUA (common doctors’ fees) • One prenatal doctor’s appointment per month. (Included in the basic insured amount.)

15. Main covered expenses. • In order to provide certain preventive measures for health care, the company has included an annual mammogram ($1,525). • Pap smear ($460) for women. • Prostate test for men ($630). • These studies are covered by direct payment at the ABC Hospital, or by reimbursement in any other hospital or clinic.

16. Exclusions. • Plastic or aesthetic surgery. • Treatments for baldness, obesity, sterility or weight loss. • Psychiatric or psychological treatments for mental stress, state of mental or nervous depression, hysteria, neurosis and psychosis, disregarding their clinical manifestations, nor treatments to correct conduct and learning problems. • Sicknesses derived from alcoholism or drinking of any toxic substance. • Any complications in pregnancy, delivery and post-natal care that are not specifically stated in the medical expenses covered.

17. Exclusions. • Fees or any kind of medical or surgical treatment performed by acupuncturists, homeopathic, naturalist or vegetarian doctors, hypnotists and healers. • Fees that exceed the insurance company’s cost schedule. • Illnesses caused from mental stress.

18. DENTAL AND VISION INSURANCE

19. Dental: • All employees are covered with Clinicas Centauro. • If you want to use the dental coverage you must visit a dentist listed in the Centauro booklet and make an appointment. • The policy has the coverage listed in the brochure you will receive with your medical cards. • The deductible for this coverage is 20% of the total treatment’s cost.

20. Vision: • All employees are covered with Dentegra. • If you want to use the vision coverage, you must visit one of the “Opticas LUX” listed in the Dentegra booklet. • The policy has the coverage listed in the brochure you will receive with your medical cards. • The deductible for this coverage is $ 75. If you want to get glasses with different specifications than those established in the policy, you will pay the difference.

21. Assistance Phone Numbers. • Seguros Atlas Call Center: • 9177-5000, Lada toll-free within Mexico: 01-800-849-3918 • Aon Risk Services Assistance: • Niltza Santillán ext.. 4268 and 52274931 segurosaon@asf.edu.mx