To add your company logo, change colors or add any information to every slide, use the Slide Master.

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Instructions for using the meeting presentation

• To add your company logo, change colors or add
  any information to every slide, use the Slide
  Master.
• Go to File menu View Master Slide master and
  add logo. This will put your logo on every slide.
  Go back to File menu View to Normal to go back to
  the presentation.
• Ensure slides are accurate for your bank
• Content with an asterisk indicates something
  that you may need to customize for your bank
• Review all slides and remove asterisks when you
  are comfortable with the accuracy of the
  information
• Add or remove slides as needed
• Use employee meetings as an opportunity to talk
  about your complete benefit program, including
  programs outside of Banker Benefits
• Review speaker notes and other employee
  communication material prior to meeting so you
  are familiar with the content and can answer
  potential questions
• Delete this slide when finished

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2008 Benefits Annual Enrollment

• bank name
• date

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Enrollment starts Nov.5

• This is your chance to make medical and other
  plan changes
• You wont be able to change your coverage during
  the year unless you have a qualified life status
  event

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Before you enroll

• Read the Benefits Guide
• Review your options online
• See your personalized worksheet
• Evaluate your options and costs

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If you dont enroll

• Your existing coverage will carryover to 2008
  unless
• You are currently enrolled in a plan that your
  bank no longer offers.
• Note to banks list plans that are being
  eliminated, if any

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2008 Plan Changes

• New 2,000 High-Deductible Health Plan from
  Kaiser Permanente (eligible for HSA). Kaiser
  Small Group is not eligible for this plan.
• Health Net 250 PPO Rx copays are increasing
• Costs are changing--see online or your
  personalized worksheet
• Banks add other changes appropriate for your
  banks

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Medical Plans

• Plans available through Banker Benefits
• Health Net HMO
• Kaiser Permanente HMO
• Health Net 250 Deductible PPO
• Health Net 1,500 HDHP
• Health Net 3,000 HDHP
• Kaiser Permanente 2,000 HDHP Plan (Large Group
  banks only)
• Health Net Indemnity Plan FlexNet

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Health Net Options

• HMO Highest Benefits/Lowest Cost - must reside
  in the HMO service area (most of California)
  keep all non-emergency care with the primary care
  physician (PCP) medical group.
• PPO Good benefits with flexibility available
  nationwide - members utilizing a contracted
  provider will have lower cost. No PCP selection
  or referrals necessary.
• HDHP PPO plan that combines with an HSA to give
  members a tax-advantaged medical savings account.

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Kaiser Permanente Options(Large Group)

• HMO Highest Benefits/Lowest Cost - must keep
  all non-emergency care within the Kaiser network.
• HDHP PPO plan that combines with an HSA to give
  members a tax-advantaged medical savings account.
  You must keep all non-emergency care within the
  Kaiser network. This plan is currently only
  available for Large Group banks.

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Health Net HMO

• No annual deductible
• Annual out-of-pocket maximum - 1,500 individual
  3,000 employee1
• 4,500 family (3 or more)
• Must select a PCP
• Must use network providers except in emergencies

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Health Net HMO(Continued)

• 20 copay for routine preventative care
• 75 copay for emergency room care
• 35 copay for urgent care
• 250 copay for inpatient hospitalization
• 10 copay for chiropractic care (30 visits per
  calendar year)
• Prescription Drugs
• Retail (30 days)10/25/35
• Mail order (90 days)20/50/70

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Kaiser Permanente HMO(Large Group)

• No annual deductible
• 1,500 individual 3,000 family annual
  out-of-pocket maximum
• Must select a PCP
• Must use Kaiser providers hospitals within the
  service area, except in emergencies

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Kaiser Permanente HMO (Large Group continued)

• 20 copay for routine preventive care
• 75 or 100 copay for emergency room care
  (waived if admitted)
• 20 copay for outpatient surgery
• 100 coverage for most other medical expenses,
  hospital stays included
• Prescription drugs
• Retail copays of 10 (generic) 20 (brand)
• MOI of 20 (generic) 40 (brand)

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Health Net 250 PPO

• 250 individual 500 family annual deductible
• 2,000 individual 4,000 family annual
  out-of-pocket maximum (in-network)
• Lower costs better benefits when you use a
  contracted provider
• 15 copay for office visits, deductible waived
• After the deductible, you pay 20 of the
  negotiated in-network rates for most services
• Prescription Drugs New copays!
• Retail (30 days)15/30/50
• Mail order (90 days)30/60/50

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Health Net 1,500 High-Deductible Health Plan

• 1,500 individual 3,000 family annual
  deductible
• 3,500 individual 7,000 family (aggregate)
  annual out-of-pocket maximum
• Lower costs better benefits when you use a
  contracted provider
• After the deductible, you pay 20 of the
  negotiated in-network rate for most services
• After the deductible, you pay set copays for
  prescriptions

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Health Net 3,000 High-Deductible Health Plan

• 3,000 individual 6,000 family annual
  deductible
• 5,000 individual 10,000 family (aggregate)
  annual out-of-pocket maximum
• Lower costs better benefits when you use a
  contracted provider
• After the deductible, you pay 30 of the
  negotiated in-network rate for most services
• After the deductible, you pay 30 of the cost
  for prescriptions

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Kaiser 2,000 High-Deductible Health Plan

• 2,000 individual 4,000 family annual
  deductible
• 3,000 individual 6,000 family annual
  out-of-pocket maximum
• Must use Kaiser providers hospitals within the
  service area, except in emergencies
• 30 copay (10 copay children under 2) for
  preventive care, deductible waived
• After the deductible, you pay a set copay for
  most services
• After the deductible, you pay copays of 10 or
  30 for retail prescriptions (MOI available)
• Currently only available for Large Group banks

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Health Net Indemnity Plan - FlexNet

• 250 individual 750 family annual deductible
• Able to see any licensed doctor anywhere
• After the deductible, you pay 20 of the
  negotiated in-network rate for most services
• After the deductible, you pay 10 for
  prescriptions

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Not sure what plan is best for you?

• Visit the medical plan carriers web sites and
  use the comparison tools provided
• Health Net www.healthnet.com
• Kaiser Permanente www.kp.org

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High-Deductible Health Plans and Health Savings
Accounts
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Interested in the HDHP and HSA?

• Keep in mind
• With the exception of preventive care, you must
  pay the full deductible up front, before the plan
  pays for any services (including Rx)
• For family coverage, you must first pay the full
  family deductible
• You cant have other medical coverage or medical
  flexible spending account coverage with an HSA
• Employer contributions are monthly Note to
  bank be sure to change if this is not accurate
  for your bank
• You own your HSA. The account--and the tax
  implications--are fully your responsibility

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Other Benefits

• Dental
• Vision
• Life Insurance
• ADD
• Long-term Disability
• Employee Assistance Program

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Dental Plans

• Plans available through Banker Benefits
• Delta Dental DHMO Plan known as DeltaCare USA
• Delta Dental PPO Plan
• Delta Dental PPO with Ortho Plan
• Delta Dental Premier Indemnity Plan

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DeltaCare USA Plan

• No annual deductible
• No maximum benefit amount
• Must use in-network provider or no coverage
• Accident Rider 100 coverage with separate 1,600
  maximum benefit
• 0-90 copay for basic services
• 0-250 copay for major services
• You pay 350 in start-up fees, then 1,600-1,800
  for orthodontic services
• Complete list available in the plan EOC, upon
  request.

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Delta Dental PPO Plan

• 50 per patient 150 per family annual deductible
• 2,000 maximum annual benefit per patient
• Better rates and higher coverage for in-network
  providers
• Accident Rider 100 coverage with separate 1000
  maximum benefit
• You pay 20 for basic services
• You pay 50 for major services
• No coverage for orthodontic services

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Delta Dental PPO with Ortho Plan

• 50 per patient 150 per family annual deductible
• 2,000 maximum annual benefit per patient
• Better rates and higher coverage for in-network
  providers
• Accident Rider 100 coverage with separate 1000
  maximum benefit
• You pay 20 for basic services
• You pay 50 for major services
• You pay 50 for orthodontic services
• 2,000 maximum orthodontic care lifetime benefit

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Delta Dental Premier Indemnity Plan

• 50 per patient 150 per family annual deductible
• 1,200 maximum annual benefit per patient
• Able to see any provider
• Accident Rider 100 coverage with separate 1000
  maximum benefit
• You pay 20 for basic services
• You pay 50 for major services
• No coverage for orthodontic services

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Vision Plans

• Plans available through Banker Benefits
• VSP Gold Plan (A)
• VSP Bronze Plan (B)
• VSP Platinum Plan (C)
• VSP Silver Plan (D)

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VSP Gold Plan

• Better rates and higher coverage for in-network
  providers
• In-network exam - every 12 months
• In-network lenses - every 24 months
• 10 total copay for exam, lens frame
• 120 allowance for in-network frames - every 24
  months
• 120 allowance for in-network contact lenses -
  every 24 months

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VSP Bronze Plan

• Better rates and higher coverage for in-network
  providers
• 10 copay for in-network exam - every 12 months
• 25 copay for in-network lenses - every 24 months
• 120 allowance for in-network frames - every 24
  months
• 120 allowance for in-network contact lenses -
  every 24 months

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VSP Platinum Plan

• Better rates and higher coverage for in-network
  providers
• In-network exam - every 12 months
• In-network lenses - every 12 months
• 10 total copay for exam, lens frame
• 120 allowance for in-network frames - every 12
  months
• 120 allowance for in-network contact lenses -
  every 12 months

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VSP Silver Plan

• Better rates and higher coverage for in-network
  providers
• 10 copay for in-network exam - every 12 months
• 25 copay for in-network lenses - every 12 months
• 120 allowance for in-network frames - every 24
  months
• 120 allowance for in-network contact lenses -
  every 12 months

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Insurance

• With Banker Benefits the following insurance
  plans are available
• Basic Group Life and ADD
• Voluntary Group life and ADD (Employee Paid)
• Basic Group Long Term Disability
• Voluntary Group Long Term Disability (Employee
  paid)

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Unum Group Insurance Products

• The policy or its provisions may vary or be
  unavailable in some states. The policy has
  exclusions and limitations which may affect any
  benefits payable. See the actual policy or your
  Unum representative for specific provisions and
  details of availability.
• Coverage underwritten by
• Unum Life Insurance Company of America,
• 2211 Congress Street, Portland, ME 04122.
• Unum is a registered trademark and marketing
  brand of Unum Group and its insuring
  subsidiaries.

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Basic Life Insurance

• Can pay a death benefit to your named beneficiary
• Coverage amounts are based on annual earnings or
  a flat amount (varies by bank)
• Includes a provision that reduces the amount of
  coverage when reaching a certain age

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Basic Dependent Life Insurance

• Can pay a death benefit to your beneficiary
• Must be registered as dependents or
  spouse/domestic partner during enrollment to be
  eligible
• Includes a provision that reduces the amount of
  coverage when reaching a certain age
• If an employees spouse/domestic partner is also
  an employee of the bank, they cannot have
  insurance coverage both as an employee and as a
  dependent.

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Basic Group Accidental Death Dismemberment
Insurance

• Can pay a death benefit to your beneficiary as a
  result of an accidental death or dismemberment
• Partial benefit paid in case of certain injuries
• Subject to Age-Related Coverage Reductions

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Voluntary Group Life Insurance

• Additional employee paid group life insurance
  purchased by employee
• Can pay a death benefit to your beneficiary due
  to accidental death or dismemberment
• Includes a provision that reduces the amount of
  coverage when reaching a certain age

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Voluntary Group ADD Insurance

• Additional employee paid group life insurance
  purchased by employee
• Can pay a death benefit to your beneficiary due
  to accidental death or dismemberment.
• Includes a provision that reduces the amount of
  coverage when reaching a certain age.
• Spouse/domestic partner coverage of 50 and
  dependents coverage of 10
• Includes a provision that reaches the amount of
  coverage when reaching a certain age.

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Basic Group Long-Term Disability Insurance

• Can provide income protection if you are unable
  to work due to a covered disability
• Waiting period must be met before benefits are
  payable
• Policy includes a pre-existing condition
  limitation
• Pre existing condition
• You have a pre-existing condition if
• you received medical treatment,
  consultation, care or services including
  diagnostic measures, or
• took prescribed drugs or medicines in the 12
  months just prior to your effective date of
  coverage and
• the disability begins in the first 24 months
  after your effective date of coverage unless you
• have been treatment-free from the pre-existing
  condition for 12 consecutive months after your
  effective date.

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Voluntary Group Long-Term Disability Insurance

• Additional employee paid disability coverage
• Can help protect more earnings if you are unable
  to work due to a covered disability
• Waiting period must be met before benefits are
  payable
• Benefit based on percentage of earnings
• Policy includes a pre-existing condition
  limitation
• Pre existing condition
• You have a pre-existing condition if
• you received medical treatment, consultation,
  care or services including diagnostic measures,
  or
• took prescribed drugs or medicines in the 12
  months just prior to your effective date of
  coverage and
• the disability begins in the first 24 months
  after your effective date of coverage unless you
• have been treatment-free from the pre-existing
  condition for 12 consecutive months after your
  effective date.

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Employee Assistance Programs

• Services provided by VMC Behavioral Healthcare
  Services
• Paid for by your bank
• Short-term counseling services
• Available to employee, spouse/domestic partner
  and eligible dependents
• Additional services at expense of employee
• Specific information on which program your bank
  provides at www.vmceap.com

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How to enroll

• Before you enroll you will need
• Your user ID (1349last 6 digits of your SSN) and
  password (the password you have created or your
  birthday in MMDD format for first time users)
• Dependent information, including SSN and birth
  dates
• Go to www.benefitenroll.com or call
• 1-866-856-0670 and follow the prompts
• Note this is a new phone number and must be used
  starting Dec. 1, 2007. Until that time, either
  number will work.

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After you enroll

• You will receive ID cards from your medical plan
  carrier and Delta Dental (if you made changes to
  your dental plan)
• Check ID cards for accuracy
• Report any incorrect information to plan carriers
  immediately

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If you have questions
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Remember to enroll!

• Open enrollment begins November 5 and ends
  November 19
• Dont miss your chance to choose your benefits
  and ensure you have the best coverage for you and
  your family!