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U.S. XPRESS, INC.   DRIVER HANDBOOK  U.S. XPRESS, INC.   DRIVER HANDBOOK

                Our Plan complies with these requirements. Benefits for these items
             generally are comparable to those provided under our Plan for similar
             types of medical services and supplies. Of course, the extent to which
             any of these items is appropriate following mastectomy is a matter to
             be determined by consultation between the attending physician and the
             patient. Our Plan neither imposes penalties (for example, reducing or
             limiting reimbursements) nor provides incentives to induce attending
             providers to provide care inconsistent with these requirements.

             Newborns’ and Mothers’ Health Protection Act
                Group health plans and health insurance issuers generally may not,
             under federal law, restrict benefits for any hospital length of stay in
             connection with childbirth for the mother or newborn child to less than
             48 hours following a vaginal delivery, or less than 96 hours following
             a caesarean section. However, federal law generally does not prohibit
             the mother’s or newborn’s attending provider, after consulting with the
             mother, from discharging the mother or her newborn earlier than 48 hours
             (or 96 hours as applicable). In any case, plans and issuers may not, under
             federal law, require that a provider obtain authorization from the plan or
             the insurance issuer for prescribing a length of stay not in excess of 48
             hours (or 96 hours).

             Xpre$$Savings 401(k) Plan
                The Xpre$$Savings 401(k) plan is an excellent way to save for your
             retirement. Employees are eligible to participate in the plan after six
             continuous months of service and attainment of age 18. Participating
             employees can defer up to 75% of pay (pre-tax) not to exceed annual IRS
             maximums. Employees can pick from different funds that feature various
             levels of risk and return. To enroll, call (1-888-NROLL-123). To make
             changes to your account, or to obtain a loan or distribution, call
             (1-800-755-5801).

             Tuition Assistance Program

                U.S. Xpress and its subsidiaries are committed to the need for the
             continued professional growth and development of its employees. As
             evidence of its commitment to academic achievement and professional
             development, U.S. Xpress encourages employees to continue to obtain
             skills, knowledge and abilities that may increase efficiency and improve
             their opportunities for career advancement with the Company.
                The Tuition Assistance Program (administered by the Human
             Resources Department 800-251-6291 x3534) is designed to foster
             the professional growth and development of the Company’s full-time
             employees.

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