Summary of Employee Benefits - January 1, 2021 through December 31, 2021 - Filice Insurance

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Summary of Employee Benefits - January 1, 2021 through December 31, 2021 - Filice Insurance
Summary of Employee Benefits
    January 1, 2021 through December 31, 2021
Summary of Employee Benefits - January 1, 2021 through December 31, 2021 - Filice Insurance
How Do I Choose a Plan?
                                                ®
                                    Meet ALEX
                                    Find the best benefit plans for you and your family
                                               ®
                                    with ALEX ! ALEX is an easy-to-use online tool that
                                    will help you compare your health plan options.

                                    ALEX will ask you a few questions about your health
                                    care needs (your answers remain anonymous, of
                                    course), crunch numbers, and recommend a plan.
                                    It’s that easy!

    Get the right plan with ALEX at https://www.myalex.com/clarkpest/2021

    ALEX asks for your email address, but this is completely optional! If you do provide
    an email address, your self-reported demographic information will be stored so you
    can return without having to retype information.

    How Do I Enroll in Benefits?                                                    If
                                                                                you work
    To access UltiPro:                                                    30 hours or more,
    1. Go to: https://e42.ultipro.com                                   you are eligible to en-
    2. For your user name enter “rol” followed by your employee          roll in the company
        number (7-characters total). For example if your current             benefit plans.
        employee ID number is 1234567 your MyRollins user name
        is “rol1234567”.
    3. Enter your password. If you are a first time user, your password is
        your birthdate (MMDDYYYY).
    4. Select Log in to access the UltiPro portal.

    Where can I find more information?
    For additional information about the plans offered, as well as resoures to help you
    better utilize and understand your health plan, please explore your Clark benefits
    website at: http://benefits. filice.com/clark Any elections that you make when you are
    hired or during annual open enrollment are effective for the calendar year, unless
    you experience a qualifying life event. Events include: marriage, divorce, birth, adop-
    tion, guardianship, gain or loss of other group health plan coverage (includes open
    enrollment for a spouse/partner) or a change in full-time or part-time employment
    status.

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Summary of Employee Benefits - January 1, 2021 through December 31, 2021 - Filice Insurance
What Will My Benefits Cost?
Keeping in mind the unique and diverse needs of our employees, we offer a benefits
program that allows you choice & flexibility in meeting the financial and health needs
for you and your family. We review our health plan contributions annually and strive to
offer affordable, comprehensive options to all eligible employees. The rates for each
medical plan coverage are shown below, per pay period. Dental, vision and other
plan rates are illustrated at the end of the coverage sections.

Enrollment Tier              Employee Only                    Employee + 1 Family              Employee + 2 or more
                                                              Member                           Family Members

Aetna HRA High               $55.39                           $180.60                          $252.53

Aetna Sutter HRA High        $37.80                           $143.67                          $199.76

Aetna HRA Low                $33.86                           $143.59                          $189.00

Aetna Sutter HRA Low         $17.91                           $110.08                          $141.14

Aetna HSA High               $45.41                           $179.29                          $272.21

Aetna Sutter HSA High        $24.77                           $135.93                          $210.28

Aetna HSA Low                $7.09                            $98.18                           $156.71

Aetna Sutter HSA Low         $1.05                            $61.06                           $103.69

Kaiser DHMO High             $80.03                           $212.00                          $311.64

Kaiser DHMO Low              $54.59                           $163.24                          $249.63

Kaiser HSA                   $33.92                           $118.19                          $181.79

Rates published above are for illustration only. Should the online enrollment system or insurance company reflect other
rates and contributions, the system or insurer’s rates are valid.

All information published in this guide is for illustrative purposes only and is not a binder or guarantee of coverage or
benefits. Should plan documents provided by the insurance company state something other than what is published here,
the insurance company documentation is the binding document.

                                                                                                                            3
Summary of Employee Benefits - January 1, 2021 through December 31, 2021 - Filice Insurance
Aetna HRA Medical Plan Options
These Aetna plan options, give you access to contracted providers at negotiated rates &
benefits, as well as non-contracted physicians at out-of-network rates & benefits. These
plans have a unique Health Reimbursement Arrangement (HRA) benefit that gives you
first-dollar coverage on your health plan. Below are some highlights of your in-network
cost-share for frequently used services. For specific information about what is covered,
including out-of-network coverage, please refer to your Summary Benefits Coverage (SBC)
and Evidence of Coverage (EOC) documents. You may search for contracted practicioners
& facilities online.

    In-Network Benefits         Aetna                                              Aetna
    HealthFund Open Access Man- HRA High                                           HRA Low
    aged Choice
    Calendar Year Out-of-Pocket
    Maximum (Individual/Family)       $4,000 / $8,000                              $5,000 / $10,000

    Calendar Year Deductible
    (Individual/Family)               $3,000 / $6,000                              $4,000 / $8,000

    HRA- Health Reimbursement         First dollar benefit on all HRA Plans: Individual ($1,000) or Family ($2,000) is paid
    Arrangement                       by the plan and applied to deductible before member is responsible for charges.

    Physician Visits & Telemedicine   10% after deductible                         20% after deductible

    Preventive Care (per schedule)    No charge, deductible waived                 No charge, deductible waived

    Basic Diagnostics (Lab & X-ray)   10% after deductible                         20% after deductible

    Complex Imaging Services
                                      10% after deductible                         20% after deductible
    (MRI, CT, PET)

    Hospitalization                   10% after deductible                         20% after deductible

    Outpatient Surgical               10% after deductible                         20% after deductible

    Emergency Room                    10% after deductible                         20% after deductible

    Supply Limit                      30-day supply                                30-day supply
    Rx Deductible                     Plan deductible applies                      Plan deductible applies
    Preferred Generic                 $10 after deductible                         $10 after deductible
    Preferred Brand                   $35 after deductible                         $35 after deductible
    Non-Preferred Brand               $60 after deductible                         $60 after deductible
    Specialty Medication              $40 preferred / $60 non-preferred            $40 preferred / $60 non-preferred
                                      after dedutible                              after deductible

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Aetna Sutter Network HRA Medical Plan Options
These Aetna plan options allow you to access Sutter contracted physicians and facilities
ONLY to receive in-network benefit coverage. Services received from providers not in the
Sutter network will be billed under the out-of-network benefit tier. These plans have a unique
Health Reimbursement Arrangement (HRA) benefit that gives you first-dollar coverage on your
health plan. Below are some highlights of your cost-share for frequently used services. For
specific information about what is covered, please refer to your Summary Benefits Coverage
(SBC) and Evidence of Coverage (EOC) documents. You may search for contracted practi-
cioners & facilities online.

In-Network Benefits               Aetna Sutter Network                         Aetna Sutter Network
HealthFund Sutter                 HRA High                                     HRA Low

Calendar Year Out-of-Pocket
Maximum (Individual/Family)       $4,000 / $8,000                              $5,000 / $10,000

Calendar Year Deductible
(Individual/Family)               $3,000 / $6,000                              $4,000 / $8,000

HRA- Health Reimbursement         First dollar benefit on all HRA Plans: Individual ($1,000) or Family ($2,000) is paid
Arrangement                       by the plan and applied to deductible before member is responsible for charges.

Physician Visits & Telemedicine   10% after deductible                         20% after deductible

Preventive Care (per schedule)    No charge, deductible waived                 No charge, deductible waived

Basic Diagnostics (Lab & X-ray)   10% after deductible                         20% after deductible

Complex Imaging Services
                                  10% after deductible                         20% after deductible
(MRI, CT, PET)

Hospitalization                   10% after deductible                         20% after deductible

Outpatient Surgical               10% after deductible                         20% after deductible

Emergency Room                    10% after deductible                         20% after deductible

Supply Limit                      30-day supply                                30-day supply
Rx Deductible                     Plan deductible applies                      Plan deductible applies
Preferred Generic                 $10 after deductible                         $10 after deductible
Preferred Brand                   $35 after deductible                         $35 after deductible
Non-Preferred Brand               $60 after deductible                         $60 after deductible
Specialty Medication              $40 preferred / $60 non-preferred            $40 preferred / $60 non-preferred
                                  after dedutible                              after deductible

These plans are not available in the following branch locations: Bakersfield, Fresno, Lancaster,
Orange County, Redding, Reno, Riverside, Salinas, San Diego, Santa Clarita, Santa Maria, Ventura
& Visalia.

                                                                                                                          5
Aetna HDHP/HSA Plan Options
High Deductible Health Plan (HDHP)/Health Savings Account (HSA) Compatible
Plans
These plans apply the health plan deductible to all services before the co-pays and
co-insurance apply.

    In-Network Benefits               Aetna HDHP                               Aetna HDHP
                                      HSA High                                 HSA Low
    Calendar Year Out-of-Pocket       In Network Provider                      In Network Provider
    Maximum
    Individual                        $3,000                                   $3,600
    One Individual In a Family        $3,000                                   $3,600
    Family                            $6,000                                   $7,200
    Calendar Year Deductible
    Individual                        $1,500                                   $2,800
    One Individual In a Family        $2,800                                   $2,800
    Family                            $3,000                                   $5,600

    Physician Visits & Telemedicine   10% after deductible                     10% after deductible

                                      No charge, deductible waived
    Preventive Care (per schedule)                                             No charge, deductible waived

    Basic Diagnostics (Lab & X-ray)   10% after deductible                     10% after deductible

    Complex Imaging Services
                                      10% after deductible                     10% after deductible
    (MRI, CT, PET)

    Hospitalization
                                      10% after deductible                     10% after deductible

    Outpatient Surgical
                                      10% after deductible                     10% after deductible

    Emergency Room                    10% after deductible                     10% after deductible

                                      30-day supply                            30-day supply
    Supply Limit
                                      Plan deductible applies                  Plan deductible applies
    Rx Deductible
                                      $10 after deductible                     $10 after deductible
    Preferred Generic
                                      $30 after deductible                     $30 after deductible
    Preferred Brand
                                      $50 after deductible                     $50 after deductible
    Non-Preferred Brand
                                      $40 preferred / $60 nonpreferred after   $40 preferred / $60 non-preferred
    Specialty Medication
                                      deduct.                                  after deduct.

    Out of Network Benefits           See Plan Summary                         See Plan Summary

6
Aetna Sutter Network HDHP/HSA Plan Options
High Deductible Health Plan (HDHP)/Health Savings Account (HSA) Compatible
Plans
These Aetna plan options allow you to access Sutter contracted physicians and facilities ONLY
to receive in-network benefit coverage. Services received from providers not in the Sutter net-
work will be billed under the out-of-network benefit tier. These plans apply the health plan
deductible to all services before the co-pays and co-insurance apply.

In-Network Benefits               Aetna Sutter HDHP                        Aetna Sutter HDHP
                                  HSA High                                 HSA Low
Calendar Year Out-of-Pocket       In Network Provider                      In Network Provider
Maximum
Individual                        $3,000                                   $3,600
One Individual In a Family        $3,000                                   $3,600
Family                            $6,000                                   $7,200
Calendar Year Deductible
Individual                        $1,500                                   $2,800
One Individual In a Family        $2,800                                   $2,800
Family                            $3,000                                   $5,600

Physician Visits & Telemedicine   10% after deductible                     10% after deductible

                                  No charge, deductible waived
Preventive Care (per schedule)                                             No charge, deductible waived

Basic Diagnostics (Lab & X-ray)   10% after deductible                     10% after deductible

Complex Imaging Services
                                  10% after deductible                     10% after deductible
(MRI, CT, PET)

Hospitalization                   10% after deductible                     10% after deductible

Outpatient Surgical               10% after deductible                     10% after deductible

Emergency Room                    10% after deductible                     10% after deductible

                                  30-day supply                            30-day supply
Supply Limit
                                  Plan deductible applies                  Plan deductible applies
Rx Deductible
                                  $10 after deductible                     $10 after deductible
Preferred Generic
                                  $30 after deductible                     $30 after deductible
Preferred Brand
                                  $50 after deductible                     $50 after deductible
Non-Preferred Brand
                                  $40 preferred / $60 nonpreferred after   $40 preferred / $60 non-preferred
Specialty Medication
                                  deduct.                                  after deduct.

Out of Network Benefits           See Plan Summary                         See Plan Summary
These plans are not available in the following branch locations: Bakersfield, Fresno, Lancaster,
Orange County, Redding, Reno, Riverside, Salinas, San Diego, Santa Clarita, Santa Maria, Ventura
& Visalia.                                                                                       7
Kaiser Medical Plan Options
The Kaiser health plan options allow you access to Kaiser facilities and physicians. Under
these plans you will be able to select a Kaiser Primary Care Physician (PCP) to manage your
health care needs & services. Kaiser has an integrated health record management system so
that all Kaiser physicians can see your health record to best deliver your care.

    In-Network Benefits               Kaiser                     Kaiser                      Kaiser HDHP
                                      DHMO High                  DHMO Low                    HSA Compatible

    Calendar Year Out-of-Pocket
                                      $3,000 / $6,000            $4,000 / $8,000             $3,000 / $6,000
    Maximum (Individual/Family)
    Deductible- Calendar Year
    (Individual/One Individual in a   $1,000 / $2,000            $1,500 / $3,000             $2,000 / $2,800 / $4,000
    Family / Total Family )
                                                                                             $30 per visit after deductible
    Physician Visits / Telemedicine $30 per visit / No charge    $40 per visit / No charge
                                                                                             / same as office visit
    Preventive Care Exam & Age
                                      No charge                  No charge                   No charge
    Appropriate screenings
    Basic Diagnostics                 $10 per encounter, after   $10 per encounter, after    $10 per encounter after
    Labs & X-rays                     deductible                 deductible                  deductible
    Complex Imaging                   $50 per procedure, after   $150 per procedure, after   $50 per procedure, after
    (MRI/CT/PET)                      deductible                 deductible                  deductible

                                      30% after deductible up to 30% after deductible up to $250 per admission after
    Hospitalization                   calendar year maximum      calendar year maximum      deductible

                                      30% after deductible up to 30% after deductible up to $150 per procedure after
    Outpatient Surgery                calendar year maximum      calendar year maximum      deductible

                                      30% after deductible up to 30% after deductible up to $100 per visit after
    Emergency Room                    calendar year maximum      calendar year maximum      deductible

    Supply Limit                      Up to 100-day supply       Up to 30-day supply         Up to 30-day supply

    Rx Deductible                     $100 per member            None                        Plan deductible applies

    Generic Medications               $10 co-pay                 $10 co-pay                  $10 after plan deductible

                                      $30 co-pay after Rx de-
    Brand Medications                                            $30 co-pay                  $30 after plan deductible
                                      ductible

    Specialty Medication              $30 for 30-day supply      20% up to $200 per fill     $30 after plan deductible

                                      Available but no change    2x co-pay for up to 100-
    Mail Order                                                                               $30 after plan deductible
                                      to co-pay                  day supply

8
Which Plans Are Available In My Area?

Aetna coverage is available to all Clark Pest Control employees.
For more information about available providers and services visit:
https://www.aetna.com/individuals-families.html

For a coverage map of the Aetna Sutter health facilities, please review the map
online at: http://benefits.filice.com/clark
or search for providers at: https://www.aetna.com/microsites/sutterhealth.html

Aetna Sutter plans are not available to employees in the following branches:

         •Orange County            •Salinas                •Fresno
         •Redding                  •San Diego              •Santa Clarita
         •Reno                     •Santa Maria            •Bakersfield
         •Riverside                •Ventura                •Lancaster
         •Visalia

Kaiser coverage is not available to employees in the following branches:

         •Chico                    •Santa Maria
         •Redding                  •Visalia
         •Reno

For more information about available providers and services visit:
https://thrive.kaiserpermanente.org/

                                                                                  9
Health Savings Accounts (HSA)
 A health savings account is a personal, tax-favored bank account designed to be used with a
 High Deductible Health Plan (HDHP) to help you save for expenses that you and your family
 members may incur on your health plan. You are responsible for establishing your own quali-
 fied account with a financial institution that offers Health Savings Account options. Once your
 account is established, you may elect to deposit funds to the account on a pre-federal-tax
 basis through payroll deductions. Money you set aside in the account can be used to pay for
 qualified health care expenses.
 These plans and accounts are regulated by the IRS. Deductible limits, contribution limits,
 and eligible items and services that are considered “qualified” expenses are determined
 by the IRS.
 Important Rules:
 • You may only fund the account if you are enrolled on a compatible HDHP.
 • If you are no longer enrolled on a compatible HDHP, you may still use the funds in the
 account to pay for qualified expenses.
 • Any funds in your account are yours to keep, regardless of your employment status with
 the company or your enrollment in the HDHP.
 • Funds can only be used to pay for qualified expenses. Any amount not used for eligible
 expenses may be subject to taxes and penalties of up to 20%
 • You may use funds to pay for expenses for yourself or any IRS tax dependents, regardless
 of what health plan they are enrolled in.

 The H.S.A maximum contributions for 2021 are:
 $3,600 for an individual
 $7,200 for two or more persons
 “Catch-up” contributions up to $1,000 are also available for employees over age 55.

 Eligible Expenses (Partial List)
 •   Insurance co-pays & deductibles                • Prescription medication
 •   Acupuncture & Chiropractic                     • Hearing aids
 •   Dental (Non-cosmetic)                          New for 2021
 •   Orthodontia                                    • Over the counter drugs and
 •   Laser eye surgery                              medications (asprin, pain medication,
 •   Contact lenses & supplies                      allergy medication, etc.) without a
 •   Vision exams/Glasses (prescription)            doctor’s prescription.
 •   Some mental health services                    • Menstrual care products

10
Flexible Spending Account (FSA)
An FSA allows you to set aside pre-tax dollars from each paycheck to help pay for qualified
health care, dependent care and parking & transit expenses.

FSA Medical
 – Contribute up to $2,750 that you can use for eligible health care expenses
   for you and your IRS dependents (see partial list under HSA section or refer to
   IRS Publication 502: https://www.irs.gov/forms-pubs/about-publication-502
 – Your entire contribution is available at the beginning of the plan year.
 – All enrollees will receive a debit card. Additional debit cards for dependents can be ordered
   at your cost.
 – Choose your plan election carefully; any unused money will be forfeited at the end of the
   plan year’s grace period.
 – You can incur expenses for the current plan year until March 15th!
 – You must submit claims by March 30th to use remaining funds from the prior plan year.

FSA Limited Medical
 – If you have the HDHP with the Health Savings Account, you may not enroll in the full
   Medical FSA. However, you may elect to enroll in the Limited Use FSA.
 – The Limited Use FSA only allows you to be reimbursed for dental and vision expenses
   incurred by you and your eligible family members. Medical expenses are not eligible.
   For details, please refer to the IRS website or contact your administrator.

FSA Dependent Care
 – Annual election of up to $5,000.
 – Once your payroll deduction for dependent care has been taken, you may file your claim
   and request automatic reimbursement.
 – Full annual election cannot be paid out before it has been payroll deducted.

Parking & Transit Benefits
Our commuter benefit program gives working people and their families a way to lower the
cost of getting to work. The P&T accounts enable you to pay for your work-related parking
and/or transit costs with pre-tax dollars. Eligible expenses are parking and mass transit costs
associated with your travel to and from work.
  – Parking Spending Account: $270
  – Transit & Van Pooling Spending Account: $270

                                                                                               11
Dental Insurance
Dental coverage is insured by Guardian. A dental PPO provides the flexibility of choosing
any provider of your choice, however, you will receive a greater benefit by utilizing a PPO
network provider.

 Dental Benefits                        Guardian Dental                   Guardian Dental                   Guardian Dental
                                        High                              Mid                               Low

 Calendar Year Deductible                                      $50 per covered person up to 3 people

 Maximum Calendar Year
                                                   $2,000                             $1,500                         $1,000
 Benefit Per Covered Person
                                                                    In Network / Out of Network

 Preventive Services:
 X-rays, Cleanings,                        100%             100%             100%              100%            100%           100%
 Oral Examination

 Basic Services:
 Fillings, Root Canals,                     90%              80%              90%              80%              90%            80%
 Periodontics

                                                        12-month waiting period for all new enrollees for Major/Ortho
 Major Services:
 Crowns, Bridges Dentures
                                            60%              50%              60%              50%              60%            50%

 Child Orthodontia                           50% up to $2,000                 50% up to $1,500                 50% up to $1,000

 Late entrants are any person who enrolls on the plan without a qualifying event (does not include new hires). The following waiting
 periods apply: 6-months for basic, 12-months for major, 24-months for orthodontia.

 The rates for each dental plan coverage are shown below, per pay period.

 Enrollment Tier                       Employee Only                     Employee + 1 Family               Employee + 2 or more
                                                                         Member                            Family Members

 Guardian Dental High                  $26.00                            $53.00                            $82.00

 Guardian Dental Mid                   $21.50                            $44.00                            $68.50

 Guardian Dental Low                   $18.00                            $36.50                            $54.50

12
Vision Insurance
Clark is pleased to offer two vision plan options. Vision Service Plan (VSP) gives you access
to providers in their Choice network and Superior Vision, gives you excellent access to con-
tracted, retail based providers. Both plans can be elected in a plan year so you can maximize
your vision coverage.

Vision Benefits                                    VSP PPO Vision Plan                            Superior Vision Plan
Benefits shown with contracted providers

Exam (Once per year / Every 12
                                                   $10 Co-pay                                     $10 Co-pay
months)

Lenses (Once per year / Every 12
months)
                                                   Covered in Full                                Covered in Full
Single Vision, Lined Bi-Focal, Lined
Tri-Focal

Contact Lenses (in-lieu of frames &
                                                   Up to $120 allowance                           Up to $120 allowance
lenses)

Materials Co-Pay                                   $25 Co-pay                                     $25 Co-pay

Frame Allowance (Once per year/
                                                   $120 allowance / $65 Costco                    $125 allowance
Every 12 months)

                                                   15-20% by service. Additional $20
Discounts                                          allowance for specific                         20% of retail, by service type
                                                   brand frames.

Please note: Superior Vision benefits do not reset on the calendar year. Benefits eligibility is based on the last date you received a service.

The rates for each vision plan coverage are shown below, per pay period.

Enrollment Tier                            Employee Only                     Employee + 1 Family                  Employee + 2 or
                                                                             Member                               more Family Mem-
                                                                                                                  bers

VSP                                        $5.63                             $8.74                                $13.87

Superior                                   $4.19                             $6.50                                $10.32

                                                                                                                                                  13
Life Insurance and AD&D
Basic Life and AD&D                                   – Maximum coverage $250,000
Clark provides a life and accidental death            – Benefits will be paid to the employee
& dismemberment benefit for all eligible
employees of $20,000. Supervisors are en-           Child:
rolled for $50,000 and Managers are enrolled          – Guarantee issue amount $10,000 (new
for $100,000. Please designate a beneficiary in         hires only)
UltiPro.                                              – Maximum coverage $10,000
                                                      – Benefits will be paid to the employee
Voluntary Term Life and AD&D                          – Child life cost is the same regardless of
Employee:                                               how many children you insure
     – Up to 5 times salary in increments of          – Premium is $0.167 per $1,000 per
       $10,000                                          month or $1.67 for $10,000
     – Guarantee issue amount $200,000 (new           – The maximum death benefit for a child
       hires only)                                      between the ages of live birth and 6
     – Maximum coverage $500,000                        months is $1,000.
     – Benefits will be paid to the designated
                                                    Annual Enrollment- SPRING of 2021
       beneficiary
                                                      – Employees & dependents currently
Spouse:
                                                        enrolled may increase their benefit up
     – Up to 100% of the life amount elected by
                                                        to the Guarantee Issue Limit without
       the employee in increments of $5,000 up
                                                        health questions
       to maximum coverage amount below
                                                      – Any new election will require health
     – Guarantee issue amount $25,000 (new
                                                        questions to be completed
       hires only)

 Age at Plan               Employee Rate per      Spouse Life per         AD&D Benefits EE
 Anniversary               $1,000 p/mo            $1,000 p/mo             or Spouse p/$1,000
401(k) Plan Highlights
You can save for retirement by enrolling in the 401(k) Retirement Plan administered by
Prudential. This document summarizes the Plan’s provisions based on information provided
by Prudential and is not the Plan’s Summary Plan Description (SPD). To obtain the SPD,
contact Prudential directly at 1-877-778-2100.

Eligibility              You are eligible to join the Plan once you have met the following
                         requirements:
                    • Auto-enrollment at 3%
                    • Full-time: 1st of the quarter following 3-months of employment
                    • Part-time: 1st of the quarter following one year of employment
                      and 1,000 hours of service

Entry Dates             January 1, April 1, July 1, October 1

Your                    You can make “before tax” 401(k) contributions between 1%
                        and 75% of your compensation, subject to the annual maximum
Contributions
                        amount allowed by law ($19,500). If you are 50 years of age or
                        older, you can make an additional catch-up contribution (up to
                        $6,500). Changes to your contribution amount can be made any-
                        time. You can also make “after tax” Roth 401(k) contributions. The
                        combined total of your “before tax” and “after tax” contributions
                        cannot exceed the maximum above.
                        Rollovers from other eligible plans are allowed at any time.

Your Employer’s         Your employer will match 100% of the first 3% and 50% of the next
Contributions           3% of your contribution.
                        Note: This matching contribution is discretionary and could change
                        at any time.

                        For more information about your employer’s contributions, plan details and
                        other plan regulations, refer to the governing SPD.
Loans                   You can borrow up to 50% of your vested account balance to a maxi-
                        mum of $50,000, subject to limits imposed by law. The minimum loan
                        amount is $1,000. Only 1 loan can be outstanding at any time. Loans
                        will be repaid by post-tax payroll deductions.

                                                                                                     15
Vesting       Your contributions are 100% vested immediately.
               Your employer’s contributions are vested as follows on a five year schedule:
               • Less than 1 year: 0% vested
               • 1 but less than 2 years: 20% vested
               • 2 but less than 3 years: 40% vested
               • 3 but less than 4 years: 60% vested
               • 4 but less than 5 years: 80% vested
               • 5 or more years: 100% vested

 Withdrawals         Money can be withdrawn from your account in the event of retire-
                     ment, termination of employment, death, disability or financial
                     hardship. The plan may also allow for pre-retirement and/or early
                     retirement withdrawals; refer to the SPD for specific details on the
                     option(s) permitted by your plan including any age and/or service
                     requirements.

                     Withdrawals can be taken as follows: a lump-sum or installment pay-
                     ments.
                     Note: Any taxable withdrawal you receive that is not rolled over to
                     another qualified plan or IRA will be included as part of your taxable
                     income and be subject to federal income tax withholding. If the with-
                     drawal is made before age 59½, it may be subject to an additional
                     10% penalty. State and local taxes may also apply.

 Investment          All money in your account can be directed to any of the investment
                     options available under the Plan.
 Options

 Reporting and       You will receive quarterly retirement account statements that sum-
                     marize your account balance, investment option performance and
 Changes
                     personal rates of return. You can review your account at any time by
                     visiting Prudential online at http://prudential.com/online/retirement

16
Pet Insurance
Got pets?
Take care of your furry family members with
our pet insurance program through Nationwide.
Vet visit expenses add up and pet insurance is an
affordable way to help manage costs for your animals when they need care.
Sign up for the Pet Wellness Plan Plus everyday care, the Major Medical Plan
comprehensive coverage, or both plans for the total package.

You can get your rate quote and enroll online
at: http://petinsurance.com/clarkpest

Employee Assistance Program
Clark cares about its employees and we understand that life’s pressures and challenges oc-
casionally require special attention. We are committed to providing you with tools and re-
sources that can help you in your time of need. You and your family members have access to
a free employee assistance program (EAP). The EAP gives you & your family members 24-7
access to confidential, telephonic counseling, in addition to other resources such as refer-
ral services, online resources spanning an array of topics such as budgeting, nutrition and
more. You may also access up to three face to face visits with a counselor at no-charge. The
program provides confidential support with issues such as:

       – Parenting and child care           – Legal consultations
       – Financial problems                 – Elder care services
       – Marital and family problems        – Emotional distress
       – Alcohol and drug abuse             – Loss and death

Utilize the EAP by calling 800.854.1446
for unlimited phone-based counseling or
by logging on to:
www.unum.com/lifebalance.

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Employee Stock Purchase Plan (ESPP)
                              Rollins and Clark Pest Control are pleased to present the Employee Stock
                                 Purchase Plan (ESPP), a benefit designed to help you realize your long-
                                    term financial goals. It is an easy, convenient way for you to supplement
                                     your current investment plan with a systematic investment plan. Simply
                                     decide how much money you want to set aside each pay period
                                    (minimum of $5), and you will begin to accumulate partial and whole
                                 shares of Company stock. You are eligible to have payroll deductions
                             taken to purchase stock immediately upon hire.
Taking advantage of the ESPP
Through the ESPP, you can purchase Rollins stock through payroll deductions. The Company pays
the purchase brokerage fees. If you sell the stock, you pay reduced brokerage fees. The ESPP offers
an affordable way to invest. You don’t have to commit to buy a specific number of shares of stock each
month. Nor do you have to buy whole shares. Just select the dollar amount you are most comfortable
with.
Dividends
Your account will be credited with any cash dividends paid on your Company stock held in your account.
These dividends will be automatically reinvested in additional shares of Company stock on the dividend
payment date.
How to Enroll
To enroll, complete the ESPP Participation Form and return to the Clark Pest Control Human Resources
Department, Attn. Rachel Murray. All changes will be effective with the next available payroll.
Making changes
You can change the amount of your payroll deduction by indicating the change on the Participation Form
and returning it to the Clark Pest Control Human Resources Department, Attn. Rachel Murray.
All changes will be effective with the next available payroll.
Quarterly statements
Each quarter (March, June, September and December), you will receive a summary statement of your
account. It will include total shares held in the plan for your account. In addition, it will detail all activity in
your account year to date, listing the total number of shares you’ve accumulated as well as the number
of shares and the price of each purchase, sale or dividend reinvestment.
Withdrawals
You may withdraw all or part of your account at any time. To request a withdrawal, complete the
transaction request form attached to the bottom of your statement and return to American Stock Transfer
and Trust Company, P.O. Box 922, Wall Street Station, New York, NY 10269-0560.

For account inquiries, you can contact American Stock Transfer at 1-866-708-5581.
Any questions on how to enroll, contact Rachel Murray at rmurray@clarkpest.com or (209) 371-0654.

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Where Can I Get More Information?
Login to your employee portal to access more information or visit your Filice Insurance Bene-
fits Website for links to provider directories, access to detailed plan documents and important
benefits related notices. http://benefits.filice.com/clark

Carrier/Vendor                 Group Number   Customer Service   Online/Email
Aetna                          231802         877.204.9186       www.aetna.com
                                                                 www.aetna.com/microsites/sutter-
                                                                 health.html
Kaiser Permanente              35289 N-CA     800.464.4000       www.kp.org
                               233969 S-CA

Guardian Dental                400533         800.541.7846       www.guardiananytime.com

Superior Vision                33160          800.507.3800       www.superiorvision.com

Vision Service Plan (VSP)      30063132       800.877.7195       www.vsp.com

Unum Life/AD&D           211651               800.421.0344       www.unum.com
Unum Voluntary Life/AD&D 211652

Unum LifeBalance EAP                          800.854.1446       www.unum.com/lifebalance
                                                                 Login & Password: lifebalance

Flexible Spending                             800.574.5448       www.basicpacific.com
Administrator: Basic Pacific                  Claims Fax:        Customerservice@basicpacific.com
                                              800.594.4591
Nationwide Pet Insurance                      877.738.7874       www.petinsurance.com/clarkpest

Prudential 401(k) Retirement Plan             877.778.2100       www.prudential.com/online/retirement

Clark Pest Control Benefits Administrator     209.371.0654       rmurray@clarkpest.com
Rachel Murray

Need help? Let us assist you!
Contact your Filice Insurance Account Manager at
any time throughout the year with questions or con-
cerns regarding your benefits plan.
Tiffany Cappadona Kelly, Account Executive
Direct: 916-235-4112
tiffany@filice.com

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