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You will receive an initial notice of your right to continued health insurance coverage when you
first enroll in one of the plans under the Company’s group plan. You will receive an additional

notice when your hours are reduced, you resign or you are terminated. This second notice will
tell you how to choose continuation coverage, what your obligations will be, and how much the
insurance will cost. You must notify us if any of your family members becomes eligible for
continued coverage due to divorce, separation or reaching the age of majority.

Employees will be so notified of any, and all options available upon notification of a qualifying
event.

401(K) RETIREMENT PLAN

All employees who are at least 21-years of age are eligible to participate as of the first day of
the quarter following one year of consecutive employment provided you have completed at
least 1,000 hours of work. Information regarding the maximum pretax contribution that you
can make may be obtained from the Human Resource Service Team. To assist employees in
building their financial nest egg for retirement, the Company provides a match (vesting
schedule applies). Additional information on the match please contact the Human Resource

Service Team.

OTHER BENEFITS AVAILABLE

 Credit Union Membership
 Gym Membership
 Working Advantage Membership

Information regarding these benefits may be obtained from the Human Resource Service Team.

PLAN MODIFICATIONS

We reserve the right to add, modify, or eliminate, benefits, coverage, and/or procedures in the
future, both for existing and new employees and for present and future retirees.

Checks and Balances, Inc. 43 1/2017

Disclaimer: This Handbook contains internal confidential propriety information. The policies can change at any time, for any
reason, without warning.