2012-2013 Benefits Package

1. 2012-2013 Benefits Package Choose Well Use Well Live Well

2. Agenda • Annual Enrollment Overview • Employee Portal through ADP - New • Vision Insurance - New • Healthcare Coverage - New Healthcare Plan • Health Savings Accounts - New • Flexible Spending Accounts – New Limited Purpose healthcare FSA • Voluntary Accident - New • Voluntary Critical Illness and Cancer - New • Dental Coverage • Life and Disability Insurance • 401k • Other Benefits • Questions

3. Annual Enrollment Overview Elections are effective 07/01/12 to 6/30/13 Annual Enrollment Period 05/21/2012 – 06/01/2012 Onsite One-on-One enrollment through Innotech benefit counselors Phone enrollment through Innotech at 877-296-5162 - Monday through Friday from 8AM to 5PM (CST) You must meet with an Innotech enroller or call the call center to enroll in the new benefit options and FSA.

4. Employee Portal through ADP User name = First Initial+Last Name@jbssinc Example: jsanfilippo@jbssinc https://portal.adp.com Registration Pass Code: JBSSINC-1234

5. Employee Portal through ADP • What you can do through Employee Portal: • Reset or change password • Review and edit your personal information • Review and edit emergency contact information • View your paystubs • View your W-2 • Use pay check calculators • Change your address • Review and edit your tax withholding • Review and edit your dependent information • View and change your benefit election • View benefit forms and materials https://portal.adp.com

6. Employee Portal through ADP You can now access Employee Portal and view your paystubs on your Smart Phone • Compatible Mobile Devices for ADP Mobile Employee Self Service: • iPhone® (3G, 3GS or 4 iOS 3.1.3 or higher) • iPad® (1 or 2 iOS 3.1.3 or higher) • iPod touch® (3rd or 4th generation iOS 3.1.3 or higher) • Android (V2.0 or higher) • BlackBerry® (v4.6.1 or higher) https://portal.adp.com

7. Summary of Benefit Changes Vision Plan – new High Deductible healthcare Plan – new Health Savings Accounts (HSA) – new Limited Purpose FSA – new $2,500 healthcare FSA Limit – new Critical Illness Insurance – new Accident Insurance – new

8. Vision Plan EyeMed

9. Vision Plan (In-Network) • Exam With Dilation $20 Copay • Frames $0 Copay, $150 Allowance; • 80% of charge over $150 Up to $75 • Standard Plastic Lenses • Single Vision/ Bifocal/Trifocal $20 Copay • Standard Progressive Lens $85 Copay • Premium Progressive Lens $85 Copay, 80% of charge less $120 • Lens Options • UV Treatment $15 • Tint (Solid and Gradient) $15 • Standard Plastic Scratch Coating $0 Up to $5 • Standard Polycarbonate $40 • Standard Anti-Reflective Coating $45 • Polarized 20% off retail price • Other Add-Ons and Services 20% off retail price • Contact Lenses • Conventional $0 Copay, $150 Allowance; 15% off balance over $150 Up to $120 • Disposable $0 Copay, $150 Allowance; plus balance over $150 Up to $120 • MedicallyNecessary $0 Copay, Paid in full Up to $200

10. Vision Plan Cost

11. Vision Plan Cost

12. BCBS High Deductible BlueEdge Healthcare Plan

13. BCBS High Deductible BlueEdge Healthcare Plan Deductible Single - $2,500 Family - $5,000 Out-of-Pocket Single - $4,000 Family - $8,000 Preventive Services 100% All Other Services 80% after deductible Prescription Drugs 80% after deductible Note: All services, except for preventive care are subject to deductible

14. Protects you from high costs • It’s your money • Out-of-pocket maximums for services • Tools and resources you need to be a successful consumer of health care • Available at https://membersportal.hcsc.net/wps/portal/bam • Nurse Line • Cost & Quality Comparisons 100% Health Coverage Preventive Care (in-network covered 100% by the plan) 100% Preventive Care BCBS High Deductible BlueEdge Healthcare Plan How the High Deductible-HSA Plan works: Member Responsibility Annual Deductible & Out-of-Pocket Health Savings Account (HSA) 14

15. BCBS High Deductible BlueEdge Healthcare Plan Cost

16. BCBS Traditional PPO Healthcare Plan Deductible Single - $1,000 Family - $2,000 Out-of-Pocket Single - $2,000 Family - $4,000 Preventive Services 100% Office Visit $25 Co-pay All other Services 90% after deductible or higher coverage Prescription Drugs $15/$30/$50/$100 – Co-pay Note: Co-pays are not counted towards Out-of-Pocket maximum

17. BCBS Traditional PPO Healthcare Plan Cost

18. Healthcare Plans Comparison

19. Healthcare Plan Contributions for 2012-2013 Premium Savings You save $607 / year You save $941 / year You save $1396 / year You save $1,731 / year 19

20. Healthcare Care Cost – Single Difference $444 Savings $164

21. Healthcare Care Cost – Family of Three Difference $1,203 Savings $527

22. Tools to Evaluate Healthcare Needs and Cost https://membersportal.hcsc.net/wps/portal/bam

23. Health Savings Accounts (HSA)

24. Health Savings Accounts (HSA) • Financial account that is owned by you and is portable • Must be paired with a high-deductible health plan (HDHP-BlueEdge) • Contributions to the account are to pay for eligible healthcare expenses or saved for future healthcare expenses - all 213(d) eligible expenses • No “use it or lose it”, unused funds roll over • Tax advantages • Contributions are pretax • Interest earned or investment gains are tax free • Distributions are not taxed if used for qualified healthcare expenses • Investment opportunities • Qualified healthcare expense must be incurred on or after the HSA was established • 2012 maximum per calendar year • $3,100 employee-only, $6,250 employee + • $1,000 catch-up option for account holders 55 and older.

25. Flexible Spending Accounts

26. New FSA Vendor - ADP • Effective July 1st ADP is a new FSA vendor • E-Flex will handle the run-out for 2011-2012 plan year claims through 09/15/2012 • If you are a healthcare plan participant you will benefit from: • Direct crossover for out-of-pocket participant expenses – no more paper forms to submit • Debit card works on RX only • If you are not a healthcare plan participant: • Debit card works everywhere

27. Traditional FSAs • This account offers a way to help you save money by having pre-tax money go towards your health care and dependent care expenses: • Health Care Savings Account • $2,500 maximum - New • Funds available immediately • Dependent Care Savings Account • $5,000 maximum if you and your spouse are filing jointly or • $2,500 if married and filing separately • If you DO NOT use all the money in your Health FSA accounts by September 15th, 2012 you will lose it! • If you DO NOT use all the money in your Dependent Care FSA by June 30th, 2012 you will lose it!

28. Limited Purpose FSA • If you are participating in the BlueEdge High Deductible healthcare Plan, you can elect to contribute to a Limited Purpose Flexible Spending Account • The Limited Purpose FSA does have a “Use It Or Lose It” provision for any funds leftover at the end of the year • The Limited Purpose FSA is for dental and vision expenses only • Min = $0, Max - $2,500 per benefit plan year (July, 1st – June, 30th) • Grace period on claims – September, 15th

29. New Peace-of-Mind Benefits

30. Accident Insurance • In addition to your primary healthcare insurance this voluntary accident plan offers coverage for: • accidents • injuries • ambulance services • Lump sum payments are made once accident is reported • It’s also available to your spouse and children, so it’s a plan that can protect your whole family.

31. Accident Insurance Cost

32. Critical Illness and Cancer • This new plan provides financial protection in the event of a costly condition such as : • heart attack • stroke • coronary artery disease • cancer • During your recovery, you and your loved ones can rest a little easier knowing you • won’t have to deplete your bank accounts or take on additional debt to cover day-to-day living expenses.

33. Critical Illness and Cancer Cost

34. BCBS Dental Plan (no changes)

35. BCBS Dental Plan

36. BCBS Dental Plan Cost

37. Life and Disability

38. Life and Disability (no changes) • Basic Life and AD&D – 1 times Base Salary paid by JBSS • Travel Accident – 1 times Base Salary paid by JBSS • Based on your eligibility level you can purchase additional coverage: • Voluntary Life • Voluntary Spouse Life • Voluntary Child Life • Voluntary Single AD&D • Voluntary Family AD&D • Voluntary Short-Term Disability • Voluntary Long-Term Disability

39. 401(k) Plan

40. 401(k) Plan • Are you missing on company match? • Effective January 1, 2012 JBSS increased its matching contribution to: • $1 for $1 on the first 3% • and then • $0.50 for $1 on the next 2% • That is the total of 4% and it is 100% vested. Where else can you find a deal like that?

41. Other Benefits • Employee Assistance Program • Online Will Preparation • Travel Resources • Business Travel Accident Insurance • 20% Discount in all company stores • Tuition Reimbursement • Employee Stock Purchase Plan • Wellness Initiatives • Biggest Loser 5/29-9/03/12 • Walk-to-Wellness 5/29-9/03/12 • Smoking Cessation 09/04/2012

42. Wellness Initiatives

43. Wellness Initiatives Weight Loss Challenge • Eligibility:All Full-Time JBSS employees • Duration: 3 months • Structure:Individual Competition • Criteria: % of Overall Weight Loss • Program Start Date: • May 29th , 2012 • Incentive • $250 Location Winner • $500 Grand Prize • Participation Prizes to all participants

44. Wellness Initiatives Walk To Wellness • Eligibility:All Full-Time JBSS employees • Duration: 3 months • Goal: 6400 Miles • Structure:Location and Individual Competition • Criteria: The most miles walked • Program Start Date: May 29th, 2012 Incentive • $50 Location Winner • $150 Grand Prize • Participation Prize to the winning location participants

45. Wellness Initiatives Smoking Cessation Program • Eligibility:All Full-Time JBSS employees • Duration: 3 months • StructureIndividual • Criteria: End Result at 90 days following the program completion • Reimbursement: 80% up to the max of $150 • Program Start Date: September 4th , 2012

46. Questions?