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PLAN YEAR !

August 1, 2014 thru!July 31, 2015!!

!2014-15 GROUP INSURANCE ENROLLMENT DECISION GUIDE !

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!! !!!!!!!!!!!!!!!!!!!!!That’s why at Ag-Pro we are committed to a comprehensive employee benefit program that helps our employees stay healthy, feel secure and maintain a work/life balance.!!Stay Healthy!!

• Medical !• Dental Care!• Vision Care!

Feeling Secure!!• Disability Insurance!• Life Insurance!• Supplemental Insurance!!

!Our employees

are our most valuable asset.

!Making Your Group Benefit Elections for the 2014-15 Plan Year !For technical assistance in making your 2014-15 Elections online, call Big Oak Advisors at 855-680-9747 or the Human Resource department (850-877-5522). !When will my coverage become effective? Newly hired full-time Employees insurance coverage will be effective the first of the month following sixty days of employment. Payroll deductions for elected benefits will begin in the month of your effective date. !When should I enroll in coverage? You must enroll within 30 days of your full-time employment date. Employees who do not complete online enrollment within the 30 day period will automatically be enrolled in the Employer-paid Basic Life only. All other Benefit offerings will be declined. !How to Make Your 2014-15 Elections? • Directions to enroll online are available in the back of this handbook.

• You must first register and set up a password before making your 2014-15 elections

• Once you register you should:

- Verify your address and dependents. - Verify your coverage tier (you only, you & spouse, you & child(ren) or you & family) - Make sure you confirm your enrollments upon completion - Designate beneficiaries for Basic Life and Voluntary Life (if elected)

!What changes may be made outside of my New Hire Enrollment?

Insurance plan elections may only be changed during the annual Open Enrollment (effective August 1st) unless there is a qualifying change in status during the Plan Year. You must notify the HR Department within 30 days of a qualifying event that occurs outside of Open Enrollment if you want to make changes. A list of Qualifying events may be found on your Employee Benefit homepage, login at myagprobenefits.com to view.

Is Evidence of Insurability required for Coverage? On your initial New Hire enrollment all coverages are guaranteed issue regardless of health. Some plans do have limited benefits for a period of time for Pre-existing conditions (please refer of each plan summary for details). At future Open Enrollments some plans will require Evidence of Insurability for acceptance. !!! 1

!!!!!!!!Ag-Pro offers two Medical plan options for you and your family. The HSA plan offers free preventive care and comprehensive medical coverage after you meet your deductible. If you choose the HSA option, Ag-Pro will open a Health Savings Account in your name and deposit $40 bi-weekly into your account to help offset medical expenses while meeting your deductible. You may also contribute additional money into your HSA account on a pre-tax basis through payroll deduction.!!Insurance Company United Healthcare

Doctor Visits Deductible and Co-insurance

Preventive Care Paid 100%

Prescriptions Deductible, then $10 / 35 / 60 copay

Hospital and Surgery Deductible and Co-insurance

Deductible $2,750

Coinsurance % you pay 10%

Your Total Out of Pocket $6,000

Health Savings Account Ag-Pro will deposit $40 Bi-weekly

Bi-weekly Payroll Deductions

Employee $86.99

Ee + Spouse $298.60

Ee + Children $260.13

Ee + Family $471.74

Medical Insurance HSA Plan Option

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Medical Insurance Copay Plan Option

!!!The Copay Plan Option features first dollar coverage for Wellness, Physician Office visit copays, and prescription drug copays. Other services are typically covered under your deductible and co-insurance. !Please refer to the Benefit Summaries / Summary of Benefits and Coverage (SBC’s) posted on the enrollment website for more details on the HSA and Copay plans. Printed copies of the SBC’s are available upon request.!

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Insurance Company United Healthcare

Doctor Visits $40 copay for Primary Care $80 for Specialist

Preventive Care Paid 100%

Prescriptions $10, $35 or $60 copay

Hospital and Surgery Deductible and Co-insurance

Deductible $2,500

Coinsurance % you pay 20%

Your Total Out-of-Pocket $6,000

Bi-weekly Payroll Deductions

Employee $75.66

With Spouse $318.81

With Children $274.60

With Family $517.75

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Dental Insurance !!!!Most people will utilize their dental plan at least twice a year; it is designed to minimize your out-of-pocket expenses related to good oral care. This is a voluntary plan offered by Guardian. !

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Premier Plan

Preventive Care Plan pays 100% for two cleanings per year, x-rays and more. No deductible.

Basic Services The plan pays 80% for most services, including fillings, simple extractions, and anesthesia

Major Services The plan pays 50% for crowns, bridges, root canal, and Periodontic surgery

Orthodontia 50% up to $1,000 for children

Deductible $50 once per year for Basic or Major Services

Calendar Year Maximum Benefit

$1,000 per person

Rollover $250 per year

Maximum with Rollover Benefit

$2,000 per person

Employee Rate $10.98 bi-weekly

Employee + Spouse $21.72 bi-weekly

Employee + Child(ren) $28.25 bi-weekly

Employee + Family $40.08 bi-weekly

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Basic Life Insurance !!!!!Your Guardian group life plan can provide financial security for your beneficiaries if you die while an employee of Ag-Pro. Your beneficiaries will receive the amount specified below.!!• $15,000 death benefit!• Additional $15,000 for accidental death!• The plan is paid for entirely by the Ag-Pro.!

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! !!This is a voluntary plan in which you may elect to purchase additional life insurance coverage on yourself, your spouse and your children. This is term insurance: the premiums are low and the plan is portable. Coverage is insured by Guardian!Employee!• You may elect to purchase life insurance in increments of $25,000 up to

the maximum of $150,000. !• Employee Guaranteed Issue: At your new hire and open enrollment only,

you may elect up to $150,000 of life insurance with no health questions.!Spouse!• Your spouse is eligible for 50% of the Employee benefit up to $50,000.!• Spouse Guaranteed Issue: At your new hire and open enrollment only,

the first $50,000 is guaranteed issue.!Children !• You may elect 10% of the Employee benefit up to $10,000 coverage per

child. The premium is a flat rate, not per child.!!The following are sample Bi-weekly rates for family coverage:!!

Voluntary Life Insurance

25-29 yr old 35-39 yr old 45-49 yr old 55-59 yr old

Employee $100,000 $3.46 $4.85 $11.91 $29.72

Spouse $50,000 $1.73 $2.42 $5.95 $14.86

Child $10,000 $0.77 $0.77 $0.77 $0.77

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!If you are enrolled and are unable to work because of an illness or off-the-job injury, this Guardian plan will continue to pay part of your salary. The benefit plan is designed to help protect your financial security while you are unable to work.!!The plan pays 60% of your salary, up to a maximum benefit of $1000/week.!!• Benefits begin on the 8th day if you are unable to work due to illness or

off-the-job injury.!• Maternity is covered.!• Benefits are payable for as long as you remain disabled, up to the

maximum of 13 weeks.!• This benefit also covers you when you are partially disabled, meaning

that you can work part-time and receive partial benefits.!• Because you pay for this plan after-tax, the benefit is tax-free.!!Your premium is based on your salary. Sample rates:!!!

$25,000 Annual Salary

$35,000 Annual Salary

$45,000 Annual Salary

$55,000 Annual Salary

$288 Weekly Benefit

$404 Weekly Benefit

$519 Weekly Benefit

$635 Weekly Benefit

$4.25 Bi-weekly $5.97 Bi-weekly $7.67 bi-weekly $9.38 Bi-weekly

Short Term Disability Income Insurance

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!If you are enrolled and are unable to work because of an illness or injury, this plan protects your ability to earn a living up to retirement age. The benefit plan is designed to help protect your financial security while you are unable to work in the event of a long term disabling event.!!The plan pays 60% of your salary, up to a maximum of $6000 / month.!• Benefits begin on the 91st day if you are unable to work due to any injury

or illness.!• Benefits are payable for as long as you remain disabled, up to Social

Security retirement age.!• This benefit also covers you when you are partially disabled, meaning

that you can work part-time and receive partial benefits.!• Because you pay for this plan after-tax, the benefit is tax-free.!!Your premium is based on your salary. !Sample Bi-weekly rates are shown below:!!

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25-29 yr old 35-39 yr old 45-49 yr old 55-59 yr old

$25,000 Annual Salary!$1,250 Monthly Benefit

$2.21 $3.56 $10.67 $18.07

$35,000 Annual Salary!$1,750 Monthly Benefit

$3.1 $4.98 $14.94 $25.31

$45,000 Annual Salary!$2,250 Monthly Benefit

$3.98 $6.40 $19.21 $32.54

$55,000 Annual Salary!$2,750 Monthly Benefit

$4.87 $7.83 $23.48 $39.77

Long Term Disability Income Insurance

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!!!!The Guardian Vision plan is designed to help protect your vision by assisting with the costs of eye exams and glasses or contacts. Premiums are pre-tax, saving even more money.!In-Network (Davis Vision PPO)!• Eye Exams: the plan pays 100% after your $10 copay. Once per year.!

• Lenses: plan pays 100% after your $25 copay. Once per year.!

• Frames: $25 copay, plan pays up to $120. Once per two years.!

• Contacts (Medically necessary): $25 Copay!

• Contacts (Elective): $25 copay if from formulary, otherwise plan pays $120 per year, !

Out-of-Network!

You receive reimbursement from the insurer, Guardian.!• Eye Exams: the plan reimburses $50 after $10 copay. Once per year.!

• Lenses: the plan reimburses $48 for single, $67 for bifocal, $86 for trifocal, $126 for lenticular after $25 copay. Once per year.!

• Frames: the plan reimburses $48 after $25 copay. Once per two years.!

• Contacts (Medically necessary): pay up to $210 after $25 copay !

• Contacts (Elective): the plan reimburses $105 per year.!

Employee Rate $3.11 Bi-weekly

Employee + Spouse Rate $5.24 Bi-weekly

Employee + Child(ren) Rate $5.34 Bi-weekly

Employee + Family Rate $8.45 Bi-weekly

Vision Insurance

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Critical Illness Plan!!!!!Guardian Critical Illness insurance is designed to “supplement” your core benefits such as Medical and Disability insurance. These plans pay the stated benefit regardless of any other coverage and are designed to help you pay out of pocket costs such as deductibles, co-insurance, travel expenses, loss of wages, and/or other non-covered expenses. !!

Lump Sum Benefit!• Payable upon first ever and second ever diagnosis of Cancer Type 1

(invasive), Heart Attack, Kidney Failure, Major Organ Transplant, and Stroke. Additionally, 25% of the lump sum benefit is payable for Cancer Type 2 (non-invasive) and Coronary Artery Bypass Graft. !

• Second ever occurrence pays 50% of lump sum benefit.!• The Lump sum coverage option for Employee’s is $10,000 & $20,000. !• Spouse and Children are eligible for 50% of Employee coverage.!Hospital Admission Benefit!• After being Hospitalized two days for any other condition the plan will pay

$250 per day up to 10 days per year. Spouse and Children coverage is $125 per day up to 10 days per year.!

!Sample Bi-Weekly Rates:!

!Age 25-29

!Age 35-39

!Age 45-49

!Age 55-59

$10,000 Benefit - Employee $2.49 $4.77 $11.07 $26.04

$5,000 Benefit - Spouse $2.79 $3.32 $5.65 $12.9

$5,000 Benefit - Children $1.12 $1.12 $1.12 $1.12

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Accident Plan!!!!Guardian’s accident insurance is designed to help you pay out of pocket costs such as deductibles, co-insurance, travel expenses, loss of wages, and/or other non-covered expenses in the event of an off-the-job accidental injury. The plan pays money directly to you and benefits are paid regardless of other insurance coverage you may have. Partial list of Benefits include:!Accident Emergency Treatment - $175!Accident Follow-up Visit - Doctor $50, up to 6 Treatments!Appliances - $125!Chiropractic Visits - $25/visit up to 6 visits!Dislocations- Up to $4,400!Diagnostic Exam (Major)- $150!Emergency Dental Work $300/Crown, $75/Extraction!Fractures- Up to $5,500!Hospital Admission- $1,000!Hospital Confinement- $225/day up to 1 year!Hospital ICU Admission- $2,000!Hospital ICU Confinement- $450/day up to 15 days!Initial Physicians Office/Urgent Care visit- $75!Lodging- $125/day !Occupational or Physical Therapy $25/day up to 10 days!Transportation- up to $500, 3 times per accident!X-Ray- $30!

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Employee !Only

Employee+Spouse

Employee+Children

Full Family

Bi-weekly Rates $8.25 $13.54 $13.94 $19.23

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!!!!!The Premium Pre-Tax Plan gives you the opportunity to reduce your taxable income by using before-tax dollars to pay for certain expenses. This saves you money by reducing you taxes.!!Premium Pre-Tax Plan!Any premium dollars that you have payroll deducted for your Medical, Dental, Vision or Supplemental plans may be “pre-taxed” on your check. This means that the payroll deduction for these benefits avoid Federal and State taxes. Therefore most people will save 21% to 37% in taxes on their insurance premiums. !!If you participate in the Premium Pre-tax plan you will be unable to change your insurance plan elections until next year’s Open Enrollment unless you have a qualifying event change as a change in family status. !!There is no cost for this plan.!!Life and Disability plans are not eligible for the Premium Pre-Tax plan.

Premium Pre-Tax Plan

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A video located at the bottom of the myagprobenefits.com home page is available to guide you through the enrollment process.!!

AGPRO is the Company Identifier on the New User Registration and Password Reset.

Online Benefits and Open Enrollment Guide

Go to www.myagprobenefits.com , enter the Open Enrollment password “enrollnow” and click on the Authenticate button

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If you are ready to go to the online enrollment system immediately, click on “Click Here to Enroll Now”

For added convenience you may download the Employee Navigator app for your iPhone or Android for

year round access to your plan information.

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! Contact Information !For general information, contact the Ag-Pro Human Resource Department at:!!Earl Jones!Human Resources & Risk Management!EJones@agprocompanies.com!850-877-5522!!Bobbie Thompson!Payroll and Benefits Coordinator!BThompson@agprocompanies.com!850-877-5522!!Tammy Renfroe!TRenfroe@agprocompanies.com!850-877-5522!!Refer to this list when you need to contact one of your benefit vendors:!!U N I T E D H E A L T H C A R E !M E M B E R S E R V I C E S : 8 6 6 - 2 7 0 - 5 3 1 1 !S E R V I C E S W E B A D D R E S S : W W W . M Y U H C . C O M !!!G U A R D I A N !M E M B E R S E R V I C E S : 8 0 0 - 6 2 7 - 4 2 0 0 !S E R V I C E S W E B A D D R E S S : W W W . G U A R D I A N A N Y T I M E . C O M !D A V I S V I S I O N P P O N E T W O R K : W W W . D A V I S V I S I O N . C O M / M E M B E R S / 8 0 0 - 9 9 9 - 5 4 3 1 !!!B I G O A K A D V I S O R S !

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Account Manager Joy Smith joy_lynne@bigoakadvisors.com

Managing Partner Dan Carlton, CFP dan@bigoakadvisors.com

On the Web www.bigoakadvisors.com

Toll Free 855-680-9747

Phone / Fax 229-227-0775 229-228-0910

Office 116 E Monroe St Thomasville, GA 31792

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This benefits booklet is arranged by Big Oak Advisors.!Please contact us with any questions.

! !The information in this Benefits Summary is presented for illustrative purposes and is based on information provided by the sources. The text contained in this Summary was taken from various summary plan descriptions and benefit information. While every effort was taken to accurately report your benefits, discrepancies or errors are always possible. In case of discrepancy between the Benefits Summary and the actual plan documents, the actual plan documents will prevail. All information is confidential, pursuant to the Health Insurance Portability and Accountability Act of 1996. If you have any questions about this summary, contact Human Resources or Big Oak Advisors