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Benefits at a Glance and Contacts

         The Benefits-at-a-Glance table highlights your benefit enrollment choices. If you
         have any questions or need more information, contact Human Resources or visit
         the websites listed in the table.

         Summaries of each benefit can be found on the next pages.

Benefit                                                            Service Center                     Website

Medical Benefits and Prescription Drugs                                      Anthem                   anthem.com
Enroll in one of two Anthem Blue Cross Blue Shield                 Blue Cross Blue Shield
medical plans or waive coverage:
                                                                         800-451-1527
  ? Anthem KeyCare PPO Plan
  ? Anthem HealthKeepers HMO Plan

Dental Benefits                                                    Sun Life Insurance      assurantemployeebenefits.com
Enroll in one of two dental plans or waive coverage                   800-442-7742

 ? Freedom Basic Plan

 ? Freedom Preferred Plan

Vision Benefits                                         Anthem Blue View Vision                       anthem.com
                                                               800-552-2682
 ? Core benefits available if you enroll in a medical

      plan

 ? Buy up separately for more coverage in the

      Preferred Plan or waive coverage

Flexible Spending Accounts (FSAs)                                  Discovery Benefits      discoverybenefits.com
Enroll in the Medical FSA, the Dependent Care FSA or                  866-451-3399

both or waive participation

Basic Life and Accidental Death & Dismemberment                                         Anthem Life
(AD&D) Insurance                                                                       800-551-7265
Company-paid benefit; no enrollment necessary

Supplemental Term Life and Accidental Death &                                            Anthem Life
Dismemberment (AD&D) Insurance                                                         800-551-7265
Add coverage for yourself and your dependents or waive
coverage

Short-Term Disability Benefits                                     For leave: Contact HR
Company-paid; no enrollment necessary

Long-Term Disability Benefits                                                           Anthem Life
Company-paid benefit (no enrollment necessary)                                         800-551-7265
replaces part of your eligible earnings while you are on
a qualified disability leave                                                   Quarles Petroleum, Inc.
                                                                   540-368-0126 or email hr@quarlesinc.com
Education Assistance Program
Provides up to 80% tuition reimbursement after                     Anthem Resource         anthemeap.com
successful completion of each class that is work related                  Advisor
or required for a business degree
                                                                     800-346-5484
Employee Assistance Program
Company-paid benefit offers personal support when you                   Fidelity                      401k.com
need emotional, financial and legal help                           800-835-5097

Retirement                                                                                            2016-2017 Benefits Guide

 ? Profit Sharing
 ? 401(k) Plan; you are automatically enrolled at 5%

      after 30 days of employment

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