Benefits Summary

HEALTH INSURANCE

401K PLAN

FLEXIBLE SPENDING ACCOUNT

EMPLOYEE STOCK OWNERSHIP PLAN (ESOP)

LIFE INSURANCE

ACCIDENTAL DEATH AND DISMEMBERMENT

SHORT-TERM DISABILITY

LONG-TERM DISABILITY

PRE-PAID LEGAL ASSISTANCE

LONG-TERM CARE INSURANCE

EDUCATIONAL ASSISTANCE

SAGE SCHOLARSHIPS/TUITION REWARDS

HOLIDAYS

LEAVE

FLEXIBLE WORK HOURS

BUSINESS CASUAL DRESS