H.B. Fuller Company 2011 Open Enrollment:

1. H.B. Fuller Company2011 Open Enrollment: Helping you Buy Well, Use Well, Be Well October 2010

2. Today’s Discussion • 2011 Legislative Changes • Overview of 2011 plan changes • Tools and resources • How and when to enroll PURPOSE OF TODAY’S MEETING: To help you understand changes to your 2011 benefits

3. 2011 Legislative Changes The following changes take effect for us beginning 1/1/11: • Children up to age 26 who do not have coverage through another employer can be covered under our plan. • The $1 million lifetime limit has been eliminated. • Over-the-counter drugs (except insulin) cannot be reimbursed under the Flexible Spending Accounts/ Health Savings Accounts without a prescription. • Penalty for using HSA money for non-medical expenses increased to 20%.

4. 2011 Medical Plan Changes *These are in-network costs. Out-of-network has separate deductible and OOP max.

5. How the Plan Works - Deductibles Deductible – the amount you pay before the plan pays *In addition, you may be billed for amounts over “reasonable and customary”

6. How the Plan Works - Coinsurance Co-insurance: The percentage of the cost you pay after you meet your deductible

7. How the Plan Works - OOP Maximums Out of Pocket (OOP) Maximum: The dollar amount at which plan begins to pay 100%. *Excludes office visit co-pay, ER co-pay and prescription drug costs in the Market 500/Value 750; **You may be billed for costs over “reasonable and customary” when using out-of-network providers

8. Reminder on Cost of Care • Average cost per visit: • Emergency room - $550-750 • Regular doctor’s office - $110-150 • Urgent Care - $50-$100 • Nurse Line consult - $0 • A high percentage of our ER usage was considered unnecessary or avoidable. • Aetna’s Informed Health (Nurse) Line phone number will be on your medical cards in 2011 Aetna’s DocFind has a link for alternatives to the ER

9. Cost Sharing Comparison Based on Employee Only coverage Note: Excludes preventive care cost for all plans; excludes office visit and prescription drug co-pays for Market 500 and Value 750

10. Healthcare Philosophy • Plan design and cost should be at market median. • Employees and families who use healthcare more will pay more. • The Company will pay more for employees than for dependents.

11. 2011 Medical Plan • Monthly Premium

12. Pre-Tax Spending Accounts

13. Resources and Tools For help with your benefit plan questions: • Fall 2010 For Your Benefit newsletter • Plan Selection and Cost Estimator Tool • 2011 Open Enrollment Guide • Aetna Navigator • Benefits Connection Service Center • Aetna Service Center

14. Do I need to enroll this year? You must enroll if: • You want to change any of your benefits • You have a High Deductible Plan and want to put money into a Health Savings Account through payroll deduction • You want to put pre-tax money into a Flexible Spending Account for Health Care or Dependent Care

15. When to Enroll Enroll between October 20 and November 2 Special Enrollment for Age 26 dependents and those who have reached the lifetime maximum is October 20 through November 22 • Enroll online or enroll by phone with Benefits Connection • Special Enrollment – after November 2 you will need to enroll by phone

16. What happens after I enroll? Make sure that your enrollment is correct. To do so: • Print a copy of your enrollment elections at end of your online session • In early December, confirmation statements will be sent to everyone by mail • Review the statements carefully • Call Benefits Connection by December 14 if you need to make corrections.

17. Incentive Program 2010 Incentive Program Ends November 30 Make sure you: • Have taken your Health Assessment – learn about your health and earn $100 • Complete programs by 11/30 to get an incentive Watch for 2011 program details in December

18. Thank you for your time! Questions?