SUMMARY OF BENEFITS

Medical - Personal Choice: 100% Company-paid for employees and dependents

  - 100% coverage on inpatient services provided by a network doctor and/or hospital, including specialist care, laboratory tests, and X-rays.
  - $5.00 co-pay for primary,
  - $15 co-pay for specialist,
  - $15.00 co-pay for radiology,
  - $50 co-pay for out-patient,
  - $50 co-pay per day up to 5 days for in-patient hospitalization.
  - 70% coverage if "outside of network", after a $300 deductible (two deductibles per family)

Prescription: 100% Company-paid for employees and dependents

  - $10.00 co-pay for generic prescriptions and $15.00 co-pay for name-brand prescriptions from a network pharmacy

Dental: 100% Company-paid for employees and dependents

Basic Program	100% (UCR)
Oral Surgery	100% (UCR)
Prosthetics & Crowns	50% (UCR)
Periodontics	50% (UCR)
Orthodontics	50% (UCR)

Payments under the plan are limited to $1,500 per person for all covered services rendered in any calendar year.

Vision: 100% Company-paid for employees and dependents

Eye examination & refraction	100% (UCR)
Frames (one set every 24 months)	$60
Single vision lenses (pr.)	$24; n/c in network
Bifocal vision lenses (pr.)	$36
Trifocal vision lenses (pr.)	$46
Aphasic vision lenses (pr.)	$72
Hard/soft contact lenses (pr.)	$48

Payment for an examination is limited to once every 12 months for subscribers under 19 years of age and 24 months for subscribers 19 years or older.

Life Insurance: 100% Company-paid for employees and dependents

Agusta provides Term Life Insurance coverage for all employees in an amount equal to two times their annual compensation to a maximum of $225,000; $10,000 for a spouse; $5,000 for a dependent child. These benefits reduce 50% at age 65 and terminate upon the retirement of the employee.

Accidental Death & Dismemberment: 100% Company-paid for employees

In the event of an accidental death of an employee, the beneficiary receives a benefit amount equal to two times compensation up to $225,000. These benefits reduce 50% at age 65 and terminate upon the retirement of the employee.

Short-Term Disability: 100% Company-paid for employees

AAC's plan pays a weekly cash indemnity equal to 70% of salary up to $500 net per week. This benefit begins on the 1st day as a result of a non-occupational accident and on the 8th day as a result of a non-occupational illness. Payments would be made for a maximum of 26 weeks.

Supplemental Short-Term Disability: 100% Employee-paid if elected

Paid for by the employee. Employees earning over $572 per week have the option to purchase additional Short-Term Disability Insurance to supplement that portion of their earnings, which would not be covered by the plan already provided by Agusta. This benefit is paid at 60% of additional gross earnings, with a maximum benefit of $1,000 per week.

Long-Term Disability: 100% Company-paid for employees

In the event of disability exceeding 26 weeks, monthly payments will be provided at 60% of salary up to $5,000 per month. There is a four-month waiting period for enrollment in LTD.

"Benefits VIP" Services:

This is a Benefits assistance service that provides employees with a "Benefits VIP" card And a toll-free Benefits Service Hotline phone number by which to use this service.

• Service is available from 8:30 a.m. to 8:00 p.m. Monday through Friday.

• Health Care (medical, prescription, dental and vision care)
• Life Insurance, including Accidental Death or Dismemberment (AD & D)
• Short and Long Term Disability

• Claims paid incorrectly by the insurance company
• Coverage/benefits questions
• Locating participating physicians and dentists
• ID card replacement
• And much more--without your needing to go to a Human Resources representative or the insurance company.

Pension Plan – Money Purchase Plan: 100% Company-paid for employees

Employee becomes eligible to be enrolled in the Pension Plan after one full year of employment.

Eligible employees may enter the plan on four entry dates each year: January 1, April 1, July 1, and October 1.

The company contributes 4.5% of annual compensation to this plan on December 31. An additional contribution of 4.5% of the compensation in excess of the Social Security base is also contributed. Benefits are pro-rated for the first year of employment and after that you will receive earnings for the whole year's income. The employee must be employed on December 31 in order to receive a contribution for that year.

Retirement and Savings Plan – 401(k): Employee Contribution with Company-matching Contribution

Employees may defer up to 25% of their annual compensation on a pre-tax basis. The company matches $.25 for each $1.00 deferred, up to 4% of the annual compensation.

Employees are always fully vested in the deferred compensation they contribute to the Plan. The vesting schedule for the company's matching contribution is as follows:

Years of Service	% Vested
Less than 1 year	0%
After 1 year but less than 2 years	20%
After 2 years but less than 3 years	40%
After 3 years but less than 4 years	60%
After 4 years but less than 5 years	80%
5 years or more	100%

All full-time employees are eligible to take paid vacation and sick time after completing six calendar months of service.

Vacation:

Vacation is accrued as follows:

Carry Over Years Limits Service (All Levels)	Grades 7 through 13		Grades 14 through 20
	Working hours/month	Days/Annually	Working hours/month	Days/Annually
00-03 10	8	12	9	13.5
04-10 10	10	15	12	18
11-19 15	14	21	16	24
20+ 20	18	27	20	30

Sick:

All employees receive seven sick days on January 1 of each year in order to cover any injury or illness, which necessitates absence. This coverage also applies to serious illness in the immediate family member requiring close parental or spouse attention.

Paid Holidays:

The company observes (11) paid holidays per year, for which employees are paid at the same rate as regular hours.

College Scholarship for Children of Employees:

Each year up to five college scholarships (ranging from $3,000 per year to $1,000 per year and renewal each year) are awarded to the children of employees.