Page 2 - Quarles

Welcome to Your 2016-2017 Benefits

As a Quarles Petroleum associate you have choices in a comprehensive and valuable benefits program
that you can match to your own personal situation. Whether you are electing benefits during the annual
Open Enrollment period or as a newly hired associate, it’s important that you understand your options and
take full advantage of your benefits to protect yourself and your family.

Enrollment Deadlines

To elect your benefits, you must enroll before the deadline.
? Newly eligible and newly hired associates must enroll w it hi n 30 days after becoming eligible for
benefits. After you enroll, your elected benefits become effective the first day of the month following 30
days of continuous employment.
? During Open Enrollment, which is usually held in April. Your elected benefits become effective
on May 1 and continue until you change your elections.

If you miss the enrollment deadline, you may enroll during the next annual Open Enrollment period
or following a qualified change in status (see Changing Elections after You Enroll on page 3).

Human Resources Department Contact Information

1701 Fall Hill Avenue, Suite 200
Fredericksburg, VA 22401
Phone: 540-361-4840
Fax: 540-368-0124

Email: hr@quaralsinc.com

Contents

Eligibility ............................................................................................................................................... 2

How to Enroll........................................................................................................................................ 3

Changing Elections after You Enroll ..................................................................................................... 3

Benefits at a Glance and Contacts ....................................................................................................... 4

Medical Benefits................................................................................................................................... 5

Emergency Care .................................................................................................................................. 8

Dental Benefits..................................................................................................................................... 9

Vision Benefits ................................................................................................................................... 10

Flexible Spending Accounts ............................................................................................................... 11

Life and Accidental Death & Dismemberment Insurance .................................................................... 12

Disability Benefits ............................................................................................................................... 13

Employee Assistance Program........................................................................................................... 14

Education Assistance Program........................................................................................................... 14

Retirement Benefits............................................................................................................................ 14

Paid Time Off (PTO) .......................................................................................................................... 15

Important Notices ............................................................................................................................... 16

Important Information

This benefits guide highlights some of the benefits provided by Quarles Petroleum, Inc. to eligible associates and
their dependents effective May 1, 2016. This benefits guide does not contain all of the details on the benefit
plans described herein. For more information, refer to the summary plan descriptions, insurance certificates and
plan documents for each benefit. If there are any discrepancies between the descriptions in this document and
the summary plan descriptions, insurance certificates or the plan documents, the descriptions in the plan
documents will prevail. Receiving this information should1 not be interpreted as a contract f2o0r1e6m-20p1lo7yBmeneenfitt.s Guide