2015 Benefits Program – Annual EnrollmentTAP Automotive Holdings, LLCMay, 2015

2015 Benefit Programs – Annual Enrollment

2015 Benefit Programs Agenda

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Annual Enrollment

Benefit Menu

2015 Plan Changes

Questions?

2015 Benefit ProgramsAnnual Enrollment

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Annual Enrollment begins Wednesday, May 20th and closes at 11:59pm on Friday, May 29th

If you do not wish to make changes to current elections, you do not have to do anything

To make election changes: Complete the paper enrollment form and scan/fax in the form to Human

Resources attention Silvia Arias or Sami Kirkewood at (310) 667-9128

2015 Benefit ProgramsAnnual Enrollment

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Annual Enrollment is when you can: Compare your current elections with the 2015 benefit plan to ensure your benefits continue to meet your

needs Add/Delete medical, dental or vision coverage for yourself or your eligible dependents Make changes to your current life insurance levels for you and/or your eligible dependents Voluntary Plans will be available for changes in October 2015. We will announce a special enrollment in

September 2015.

Any changes made during Annual Enrollment will become effective July 1, 2015 New medical ID cards will be issued if you make plan election changes

No benefit changes are allowed during the year unless you experience a qualifying event Changes related to qualifying events must be requested within 30 days of the event

A qualifying event includes: Marriage/Death of a spouse Birth/adoption/placement for adoption of a child Divorce/legal separation or annulment Significant change in benefits

2015 Benefit ProgramsCurrent Benefit Menu

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Medical Insurance with Aetna

Dental Insurance with Aetna

Vision Insurance with Vision Service Plan (VSP)

Employee Assistance Plan (EAP) with Aetna

Disability Benefits with Voya Financial formerly ING Long Term Disability

Basic Life/AD&D and Voluntary Life and AD&D with Voya Financial formerly ING

Flexible Spending Accounts with ADP Healthcare Spending Account (FSA) Dependent Care Account

2015 Benefit ProgramsBenefits and Employee Contributions

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NEW Aetna Choice POS II HSA medical plan – LOWER employee contribution cost alternative

NEW Voluntary Health Savings Account (HSA) administered by: Wells Fargo Bank

NEW Teladoc offered to Aetna members

Employee medical, dental, vision contributions for current benefits will be continuing without change for the third consecutive year!

2015 Benefit ProgramsAnnual Enrollment Communication Resources

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Annual Enrollment News Benefits at a Glance Booklet

Transamerican Auto Parts 2015 Annual Enrollment News

PLAN YEAR | 2015 All Full Time Employees

PLAN YEAR July 1, 2015 - June 30, 2016

All Full Time Employees

Transamerican Auto Parts Benefits at a Glance

2015 Benefit Programs NEW Aetna Choice POS II HSA Medical Benefit

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Summary of plan changes for presentation purposes. Standard Plan Documents provide formal details and supersede any other informational material

Aetna Choice POS II HSA

In-Network Out-of-Network

Deductible*SingleFamily

$1,300$2,600**

$2,000$4,000**

Out-of-pocket maximumSingleFamily

$3,000$6,000

$6,000$12,000

Coinsurance Deductible then 20% Deductible then 40%

Office VisitSpecialistPreventive

Deductible then 20%Deductible then 20%

No copay

Deductible then 40%Deductible then 40%Deductible then 40%

Inpatient Hospital Deductible then 20% Deductible then 40%

Outpatient Hospital Deductible then 20% Deductible then 40%

Emergency Room Deductible then 20% Deductible then 40%

Urgent Care Deductible then 20% Deductible then 40%

Pharmacy Co-payMail Order

Deductible then:$10 / $30 / $60 $20 / $60 / $120

Not covered

*All covered expenses accumulate simultaneously toward the in-network or out-of-network deductible per calendar year. You must pay all the costs up to the deductible amount before this plan begins to pay for covered services you use. ** Once the Family Deductible is met, all family members will be considered as having met their Deductible. There is no Individual Deductible to satisfy within the Family Deductible.

You own the money in your HSA

You are never required to spend the money

Tax savings come from contributions and gains on your balance

HSA dollars can be used to pay for qualified expenses for you, your spouse, and tax dependents – even if they are not on your health plan

You can save the funds in your HSA throughout retirement – or use anytime before you retire

Why invest in an HSA?

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2015 Benefit Programs NEW Health Savings Account

Broad range of expenses your HSA covers

Did you know?You can use your HSA to pay for qualified healthcare expenses for your spouse or tax dependents − even if they’re not covered by your health plan.

Doctor’s officeLab workHospitalizationVision (contacts, glasses)

Note that over the counter medications are not considered qualified expenses unless you have a prescription.

See the full list at wellsfargo.com/hsa.This is a sample list. Other qualified expenses, if you are no longer working, Medicare premium, COBRA premium and Long Term Care Premium.Individuals are responsible for determining if expenses are eligible under the Internal Revenue Code.

Qualified healthcare expensesPrescriptionsDental work and bracesAcupuncturistChiropractor

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If an HSA expenditure is not used for a qualified medical expense, you will be required to pay income tax and 20% penalty on the amount used.

2015 Benefit ProgramHealth Savings Account Resources

2015 Benefit Programs NEW Health Savings Account

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Provision NEW!!! Health Saving Accounts (HSAs)

Who is eligible Plan is voluntary for full-time, benefit eligible employees who are:

Enrolled in the Aetna Choice POS II HSA medical plan Not enrolled in Medicare Not covered by other health plan, including spouse’s plan, that is not an HSA compatible plan Not covered by your own or your spouse’s Healthcare Flexible Spending Account Not listed as a dependent on someone else’s tax return No medical benefits from Veteran Affairs within the last three months

Not claimed as a dependent on another individual’s tax return

Who owns the fund Employee. Account is portable.

Contributions Employee may contribute up to $3,350 for Single enrollment / $6,650 Family enrollment through pre-tax payroll deduction.

Employee age 55 or older may contribute an additional $1,000 Annual limit is pro-rated if eligible during calendar year.

Reimbursements Eligible medical expenses can be made through debit card at point of service; or reimburse self at ATM

or transfer funds online.

Accrue Interest / Investment

If you maintain a minimum balance of $1,000 your additional funds may be invested in mutual funds yielding tax-free earnings.

Year-end rollover features Un-used HSA funds can be rolled over from one year to the next

Qualified healthcare expenses Qualified medical expenses (medical, dental, vision) included all charges as identified in IRC

Section 213(d)). Premium for Medicare, COBRA, LTC and health premiums if unemployed.

Reimbursement of non-qualified expenses

Non-qualified expenses reimbursed from HSA funds are included in the participant’s gross income and subject to income tax plus a 20% penalty tax.

Expense substantiation No claim substantiation required, however, receipts should be kept for proof/verification of qualified medical expenses.

Triple Tax Benefit Contribution into fund is pre-tax for federal and state tax. (Except: CA and NJ). Accrued interest is tax-free Reimbursements are tax free as long as used to reimburse eligible healthcare expenses

2015 Benefit Programs NEW Health Savings Account

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Health Savings Account (HSA): Once enrolled in the Aetna Choice POS II HSA, you may open a Health Savings Account with Wells Fargo Bank. HSA contributions will be via payroll deduction (26 pay periods): The funds available for your qualified medical

expenses will accumulate per pay period.

How to open a HSA with Wells Fargo Bank: Complete the Benefits Enrollment (see below) and authorization forms provided by HR to open the HSA Visa savings account.

A Welcome kit will be sent to the home address of each employee enrolled in the Aetna Choice II HSA. Follow the steps in the kit to activate your account. The kit will also include the HSA Visa card. After you activate the account contact 1-866-884-7374 if you would like an additional card for your spouse. If the card is lost or stolen, please contact customer service to obtain a new card.

Funds must be in the health savings account to access. If funds are not available in your account the expense will not process.

TAP will pay standard monthly Health Savings Account fee for active employees.

If you currently have Health Care FSA with ADP you cannot open a Health Savings Account until January 1, 2016 but you must enroll in Aetna Choice POS II HSA now during annual enrollment.

C. MEDICAL PLAN OPTIONWF HSA Account(per pay period)

 □ AETNA POS II (PPO) □ AETNA SELECT (EPO)  AETNA POS II (HSA)

Please deduct the following amount per payroll: $ .00 Employee Max: $128.84Family Max: $255.76

As a new accountholder you will receive 2. Welcome emails

Two within first 60 days

3. Quarterly newsletter

Ongoing

1. Welcome kit and debit card

Soon after enrolling

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2015 Benefit ProgramHealth Savings Account Resources

Wells Fargo Visa® HSA debit card

Multiple convenient ways to transact and pay

14HBS-029

Use Bill Pay to pay providers

directly

Over 6,200 Wells Fargo banking stores nationwide

Pay with Apple PayTM (iPhone 6 users)

Transact using our mobile app

Transfer to bank accounts using Wells Fargo

Online® Cash reimbursement at over 12,000 ATMs

nationwide

2015 Benefit ProgramsHealth Savings Account Resources

2015 Benefit ProgramsEmployee Contribution

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Employee Bi-Weekly Contributions

  Employee Only Employee & Spouse Employee & Children Employee & Family

NEW Aetna Choice HSA

$5.00 $15.00 $10.00 $25.00

Aetna Select $35.47 $171.24 $122.01 $245.36

Aetna Choice PPO $68.26 $227.86 $173.58 $319.09

Aetna DHMO $6.41 $11.82 $10.43 $16.92

Aetna DPPO $12.29 $24.57 $20.63 $32.92

VSP Vision $4.90 $9.81 $10.50 $16.77

VSP Protec Safety Glasses

$2.27 N/A N/A N/A

Contributions above vary based on location.

TAP will absorb the 2015 renewal costs and keep employee contributions the same as the last three years. TAP will also continue to pay 100% of the cost of coverage for the Basic Life/AD&D, LTD and EAP plan.

Determining how much to contributeConsider these options

Do you think your costs could be roughly the same this year? If so, target that amount.

Think about how much you spent last year

Set aside funds for those expenses – tax free1 – or pay yourself back once you build up the balance.

Any medical, dental or vision costs coming up?

Save enough to cover your health plan’s deductible or out of pocket maximum.

Prepare your safety net

Max out your contributions if you can…healthcare costs are the number one concern in retirement.2Save for retirement

1. Tax references are at the federal level. State taxes may vary. Please consult a tax advisor.2. Wells Fargo/Gallup Investor and Retirement Optimism Index: Factors Influencing When Non-Retirees Are Financially Able to

Retire, Feb 2012.16

2015 Benefit ProgramHealth Savings Account Resources

2015 Benefit ProgramsExamples

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NOTE: This is an example. Actual charges will be different from the example above.

Robert’s savings = $522.22

ChargesAetna Select EPO

James – SingleAetna Choice POS II HSA

Robert - Single Bi-weekly EE contribution $35.47 $5.00In-network Deductible $0 $1,300

Office Visits (3) ($30 each) $90 ($100 each) $300

Rx (3) (Brand) ($30 each) $90 ($50 each) $150

Deductible Satisfied $0 $450.00

Annual Premium $922.22 $130.00

Total Expense $1,102.22 $580.00

2015 Benefit ProgramsLife Examples

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ChargesAetna Choice POS II PPO

James - FamilyAetna Choice POS II HSA

Robert - Family

Bi-weekly EE contribution $319.09 $25.00In-network Deductible $1,000 $2,600

Office Visits (6) ($30 Each) $180 ($150 each) $900

Rx (6) (Brand) ($30 each) $180 ($50 each) $300

Deductible Satisfied $0 $1,200

Annual Premium $8,296.34 $650.00

Total Expense $8,656.34 $1,850.00

NOTE: This is an example. Actual charges will be different from the example above.

Robert’s savings = $6,806.34

2015 Benefit Programs NEW Tele Doc Benefit

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Summary of plan changes for presentation purposes. Standard Plan Documents provide formal details and supersede any other informational material

Teladoc gives Aetna members access to US board-certified doctors who can resolve many of your medical issues by phone and smartphone application 24 hours a day, seven days a week. Video consults are available from 7 a.m. to 9 p.m., seven days a week.

Members pay the PCP copay, the doctor will recommend treatment and a prescription may be provided at a local pharmacy if necessary. Visit teladoc.com/aetna or Call 1-855-Teladoc (835-2362).

When can you Teladoc? What can I use it for?

When you need care now Cold and flu symptoms

If you’re considering the ER or urgent care center for a nonemergency issue

Bronchitis Respiratory infection

On vacation, on a business trip, or away from home

Sinus problems Allergies

For short-term prescription refills Ear infection and much more

2015 Benefit ProgramsAetna Resources

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Aetna Navigator®• Find a doctor• Compare costs for office visits, tests and

procedures• Save on health-related products and services• Store and share their personal health history• Get instant access to claims and Explanation of

Benefits statements• Research prescription drugs• Find forms and order ID cardswww.AetnaNavigator.com

Visit teladoc.com/aetna or Call 1-855-Teladoc (835-2362)

Aetna Resources For LivingEmployee Assistance Program (EAP) and Worklife Services• Social Development• Stress Management• Anxiety Depression• Legal and Financial Matters• Worklife Balance• Relationship and Marriage• Child and Elder Care1-800-342-8111 or visit www.mylifevalues.com

Username: TAP Password: EAP

Aetna Mobile app for iPhone and Android This mobile app works with the iPhone®, iPod touch® and iPad®. • Text Apps to 23862 to download

• Search for a doctor in-network• View your claims & benefits• Speak with doctor via Teladoc• iTriage link to look up symptoms

Thank You!

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Questions?