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Employee Contributions


         Health Benefits

         This chart compares the monthly and per paycheck contribu ons for our Employee Benefit plans. Your cost for coverage will vary
         depending  on the  op on  and  level  of coverage you  choose.  For your convenience, your age-banded  Voluntary Life  and  AD&D

                                             Monthly Premium              Firm Pays              Employee Pays

         Medical
         MEDICAL: Aetna HMO
         Employee Only                            $567.95                  $567.95                    $0.00
         Employee + Spouse                       $1,204.05                 $567.95                   $626.10
         Employee + Child(ren)                   $1,107.50                 $567.95                   $539.55
         Family                                  $1,729.41                 $567.95                  $1,161.46
         MEDICAL: Aetna PPO
         Employee Only                            $679.63                  $577.69                   $101.94
         Employee + Spouse                       $1,440.82                 $577.69                   $863.13
         Employee + Child(ren)                   $1,325.28                 $577.69                   $747.59
         Family                                  $2,069.47                 $577.69                  $1,491.78
         MEDICAL: Aetna HSA
         Employee Only                            $567.08                  $567.08                    $0.00
         Employee + Spouse                       $1,161.21                 $567.08                   $594.13
         Employee + Child(ren)                   $1,068.10                 $567.08                   $501.02
         Family                                  $1,667.88                 $567.08                  $1,100.80
         MEDICAL: Kaiser Permanente
         Employee Only                            $404.04                  $404.04                    $0.00
         Employee + Spouse                        $808.08                  $404.04                   $404.04
         Employee + Child(ren)                    $727.28                  $404.04                   $323.24
         Family                                  $1,212.13                 $404.04                   $808.09
         Dental

         DENTAL: Aetna
         Employee Only                            $51.87                    $51.87                    $0.00
         Employee + Spouse                        $104.84                   $51.87                   $52.97
         Employee + Child(ren)                    $132.92                   $51.87                   $81.05
         Family                                   $191.21                   $51.87                   $139.34

         Vision

         VISION: Aetna
         Employee Only                             $9.40                    $0.00                     $9.40
         Employee + 1                             $17.86                    $0.00                    $17.86
         Employee + 2 or more                     $26.23                    $0.00                    $26.23

        Other Benefits

        The following benefits are provided to you at no charge and are paid by FotoKem:
          Health Advocate
          Basic Life/AD&D
          Short Term Disability
          Long Term Disability
          Employee Assistance Program

        The following benefits are available to you at discounted group rates. Should you elect these benefits, you will
        pay 100% of the cost:
          Voluntary Life/Ad&D
          Voluntary Benefits
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