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Group Health Insurance

The Company provides a comprehensive medical, dental and vision insurance plan for regular fulltime employees
(scheduled to work 30 hours per work week or more) and their dependents. Coverage is effective the first of the month
following their date hire.

The company pays 100% of employee group health premium when an employee elects/enrolls in group health benefits
(med/den/vis). Dependent coverage is available and the employee is responsible for a portion of the dependent premium
collected via pre designated/authorized payroll deductions. Exact premiums vary year to year. In the event of an increase
in health insurance premium rates, all employees may be required to contribute to the cost of increased premiums to
retain coverage.

Details about medical, dental, vision insurance coverage and dependent cost premiums are available in separate
publications distributed by the Employee Services Team.

Employer Paid Term Life/AD&D Insurance
The Company provides employer paid life insurance in the amount of $50,000 for term life to include AD&D. Employer
paid Life/AD&D insurance is at no charge to employees, however, it is not portable at time of employment separation.
The plan terminates when employment terminates. Details about our term life insurance program are provided separately
in the supplemental employee benefits booklet provided by Employee Services.

Supplemental Voluntary Life Insurance
As do many employees, you may have a need for additional life insurance protection above and beyond the coverage we
provided. With this in mind, we offer you the opportunity to purchase additional life insurance coverage as outlined below.
Take advantage of the reduced group rates as well as the "no medical questions asked" for coverage up to the guarantee
issue amount.

Please note: if you do not apply for coverage when you first become eligible and/or would like to apply for coverage over
and above the guaranteed issue amounts, medical evaluations will be required and coverage may be denied. Voluntary
term Life/AD&D insurance purchased is paid by employees through a post-tax payroll deduction and is portable at time of
employment separation. Contact Employee Services for more information.

Short Term / Long Term Disability Insurance
For employees outside of California, we offer at no additional charge, short-term and long-term disability insurance for
regular full-time employees. Details about these coverages are available in separate publications distributed by the
Employee Services Team. California employees/residents STD/LTD is provided through the State of California Employment
Development Department known as CASDI. For more information about CASDI or National EWP's STD/LTD application
information, please contact Employee Services.

California Employees—National EWP withholds California employees CA SDI tax which a statutory short-term disability
program is provided by the Employment Development Department of California. This is solely a monetary benefit and not
a leave of absence. If you are a resident of work/live in California, to file an SDI claim, please go to:
http://www.edd.ca.gov/disability/SDI_Online.htm.

For all other out of state resident/employees contact Employee Services for more information on Short Term Disability
Claim information.

Any employee who will be out of work due to a disability, must also request a formal leave of absence. See the Leave of
Absence sections of this handbook for more information.

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