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L Lisa Wong’s Portfolio A portfolio demonstrating Corporate communication materials for multi-sized companies across all industries isa

Lw 2014 portfolio

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A portfolio demonstrating Corporate communication materials for multi-sized companies across all industries

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Page 1: Lw 2014 portfolio

LLisa Wong’s Portfolio A portfolio demonstrating Corporate communication materials for multi-sized

companies across all industries

isa

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randsBTalentNavigat r

PBG’s Career Destination

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randsBCONNECTIONCABLEVISION

YOU

R

TALENT • TEAMWORK • SUCCESS CONNECTIONYOUR CABLEVISION

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rintPIt’s important to listen to what your customers are saying.

Their comments will help you spot referral opportunities.

Listen for these customer situations:

“I just received a small inheritance.”

“I just received my bonus.”

“My tax refund just arrived!”

“I lost my job last week.”

Listen for these customer complaints:

“My taxes are too high!”

“I need a better rate of return.”

“My mutual funds should be doing better.”

“I’m not sure what to do with this money.”

Listen for these customer needs:

“I’m planning to retire soon.”

“My children will be off to college before I know it.”

“I hope we have enough in reserve for emergencies.”

“I’m worried that the government will get all my money

when I die.”

Step two is about looking for names on checks that

indicate your customers are engaging in a financial

transaction that your investment professional may be able

to help them with. Here are some of the names to look for

on checks:

AIM

American Century

Citibank

Merrill Lynch

Morgan Stanley

PIMCO

Smith Barney

UBS Financial Services

The 3-Step Referral Process

ListenSTEP

LookSTEP

Making referrals is really

Once you have identified a potential investor by listening

and looking, it’s easy to make the referral. Some suggested

phrases are listed below. Put them in your own words so

you are comfortable making the referral.

What to Say:

“May I introduce you to...”

“Can I setup a five minute chat with...”

“Would you like to talk to...”

“Can I get____________ on the phone for you right now?”

Do:

Do introduce your customers to your investment

professional

Do mention the financial services your branch offers

Do point to signs that reference the financial services

your branch offers

Do talk about how the investment professional may be

able to help them with their need, complaint or situation

Do tell your customers that the investment professional

may be able to show them ways to help build wealth,

save money and time and get more convenience.

Do encourage your customers to call and/or set

appointments with your investment professional

Don’t:

Don’t talk about specific investments or products

Don’t recommend investments

Don’t hand investment literature to anyone

Don’t refer to “Investment Advisor” but rather “a

member of our team”

ReferSTEP

Use the 3-Step Referral Process Card

(GEN-1105) as a quick reference guide.

is really rather easy. There are just three simple steps. The first step is to listen, th

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Most customers typically will not sit with an advisor

until they are asked four or five times. Don’t overwhelm

the customer, but persistence pays off. Here are some

common objections and questions you might encounter

and ways to answer them:

Customer: “What are your rates?” or “Why are your rates

so low?”

You: “Are you looking for growth or additional income?”

Customer: “I think I’m looking for more income.”

You: “I recommend you take five minutes with________, he/

she might have a solution that could help increase your

income. Always a good idea to get additional information.”

Customer: “I think I’m looking for growth.”

You: “A lot of people right now are chatting with________,

he/she may have a solution that could help increase your

growth over our current lobby rates.”

Customer: “Will__________ be FDIC insured?”

You: “We get that question all the time. What most

people are concerned about is losing money, is that what

concerns you? We’ll make sure_________ knows to discuss

solutions for safety and guarantees.”

HANDLING OBJECTIONS AND QUESTIONS

Customer: “Who is__________?”

You: “He/She is another member of our team specifically

dedicated to help you.”

Customer: “I’m already working with someone…”

You: “It’s always worthwhile to get a second opinion, and it

could just be a 5 minute chat.”

Customer: “I’m too old for that fancy investment stuff.”

You: “Well, a lot of what__________ does is make sure

things are listed properly for your beneficiaries. It’s

definitely worth a few minutes with him/her.”

Customer: “I’m all set. No thank you.”

Not much you can do with this, other than to let your staff

know you’ve planted an important seed. Because when

something changes in the client’s life – and things always

change – the customer will know that there is someone

located at their local bank that they can talk to about

financial guidance.

Now it’s up to you to make the referral!

listen, the second step is to look, and the third step is to refer.

FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE GENERAL PUBLIC.

ANNUITIES Are Not FDIC/NCUA Insured | Are Not a Deposit | May Lose Value | Have No Bank Guarantee | Are Not Insured by Any Government Agency

The 3-Step Referral Process

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rintPMaybe you want to travel the world. Or maybe you want to settle in

Or maybe your destination is still unknDreams.

Aspirations.

Goals.

A Solution Is Within Reach

New York Life features a wide range

of products and services to help you

customize a solution based on your

individual financial needs and goals.

We can help you identify the right mix

of insurance and financial products to

prepare for and meet your short- and

long-term objectives.

Retirement Funding Strategies—

Helping to ensure that you, your

family and loved ones are covered for

retirement, even when Social Security,

pensions and 401(k) benefits are not

offered to same-sex couples or the

surviving partner.1

Longevity—Making sure your

money lasts and works for you in

the long run.

Expenses for extended periods of care

for illness—Keeping a reserve for the

rising costs of caring for a partner,

friend, parent or nonrelative, even

if it becomes increasingly difficult

to afford.

Strength, Integrity

and Humanity

Guided by our core values of financial

strength, integrity and humanity, New

York Life is committed to protecting

your interests and those of your loved

ones, and we’ve been doing so for our

clients for more than 165 years.

Holistic Approach

New York Life’s financial professionals

work with individuals to help create a

holistic financial strategy, one that is

multidimensional and based on a strong

foundation. We look at where you are

today and help you develop a road map

to tomorrow. Along with Life insurance,

the cornerstone of any solid plan, New

York Life and its subsidiaries also offer:

Insurance to cover extended periods

of care—which can provide a safety

net to protect you and your assets;

Guaranteed Lifetime Income*;

Fixed2 and Variable3 Annuities, which

provide a way to accumulate savings

while acting as a source of retirement

income; and

Mutual funds3

At New York Life, we understand that everyone is an individual. If you’re

just starting out, we’re here to listen and help you clarify your financial goals.

If you’re already on your way, we’re here to help you stay on track and turn

your dreams into reality.

New York Life also knows that the Lesbian, Gay, Bisexual and Transgender

(LGBT) community may be faced with unique challenges, especially when

it comes to protecting your future. Will my partner be taken care of if I pass

away? Will I outlive my retirement savings? How do I save for tomorrow?

How

Will I outlive my

retirement savings?

nt to settle in your own cozy little corner.

on is still unknown. Wherever you are, New York Life is here to help. Build. Grow. Enjoy.

These are some of the solutions

available to help create a financial

strategy that’s right for you.

Understanding

Financial Strength

Now, more than ever, individuals

understand the need to plan with a

financially stable company. After all, an

insurance policy is only as good as the

company behind it. At New York Life,

our prudent investment practices and

an ever constant eye to the future

keep us safe and secure, even in crisis

markets such as the Great Depression

and the more recent Great Recession.

Our primary responsibility is to our

policyholders. Unlike some publicly

traded companies, which may

operate for the short-term benefit of

shareholders, we are guided by the

longer-term needs and expectations

of our policyholders, who are the

owners of the company. Simply put,

we are a mutual company that works

with you and for you.

* The New York Life Lifetime Income Annuity is issued by New York Life Insurance and Annuity Corporation

(NYLIAC). (a Delaware Corporation.) Guarantees are based on the claims-paying ability of the issuer.

1 Ben Furnas and Josh Rosenthal, “Benefits Denied,” Center for American Progress, March 3, 2009,

www.americanprogress.org/issues/2009/03/benefits_denied.html

2 Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)

3 Offered by properly licensed Registered Representatives through NYLIFE Securities LLC (Member FINRA/SIPC),

A Licensed Insurance Agency, 51 Madison Avenue, New York, NY 10010

How do I save for tomorrow?

www.newyorklife.com/lgbt

Will my partner be taken

care of if I pass away?

At New York Life, we’re in the business

of building lifelong relationships. Our

trained financial professionals live and

work in your neighborhood because we

believe you deserve undivided personal

and professional attention.

A Champion of Diversity

New York Life celebrates diversity both

globally and locally. We strive to serve

all people—regardless of their race,

creed, gender or sexual orientation

—with the same compassion, dignity

and respect. New York Life recognizes

domestic partnerships in our own

employee insurance program. Plus,

we have established NYLPRIDE, an

employee resource group that acts as

a forum for the company’s Lesbian,

Gay, Bisexual and Transgender

community to network and build

understanding. We’re also proud

supporters of the Lesbian, Gay, Bisexual

and Transgender Community Center of

New York’s Youth Enrichment Services

(YES) program, Out & Equal Workplace

Advocates’ annual summit and a

national transgender conference.

We believe it’s not about labels. We’re

here to help people help themselves

—and we’ll continue to do just that

for years to come.

The Company You Keep®

Dreams.

Aspirations.

Goals.

Meeting the Needs of the LGBT Community

It’s Up to You.Customized Solutions for Your Individual Needs

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Help Repair the Income Damage Caused by a Downturn in the Market

A sales idea that shows how a New York Life Lifetime Income

Annuity with a joint life with cash refund payment option can

produce more income using fewer assets and can guarantee

income for life. The piece also details how assets are not subject

to market volatility.

NEW YORK LIFE LIFETIME INCOME ANNUITY

If you are supplementing your retirement income with assets that are invested in market sensitive

products, a prolonged downturn in the market can potentially devastate a lifetime of savings, which can

impact your retirement needs.

Help Repair the Income DamageCaused by a Downturn in the Market

1 This example is hypothetical and intended for illustrative purposes only and is not indicative of the actual performance of any particular product. Past performance is not indicative of future results.

2 Average five year CD rate according to bankrate.com as of 7/9/09.

3 CDs are accumulation vehicles and are FDIC insured up to $250,000, while fixed income annuities are payout vehicles and the guarantee is backed by the financial strength of the insurance company that issues the annuity.

The Johnsons are a 75-year old couple1 whose brokerage account decreased from $600,000 to $400,000 in just one year

due to a market downturn. Anxious and frustrated, because they used this account for income, they are considering

pulling their money out of their equity-based investments and putting it into a Certificate of Deposit (CD) earning 3%2,

which could generate $12,000/year in pre-tax interest income. Though CDs are generally considered safe from market volatility, they are not designed as income generators. The Johnsons’

financial professional suggests a different approach to generate guaranteed income: a Joint Lifetime Income Annuity.3

?

$600,000

$400,000

???

The Anatomy of IncomeThis piece shows the makeup of Lifetime Income Annuity payments

and a chart explaining Total Lifetime Income Annuity Payouts.

LIA-1007

All Income is not alike.A Lifetime Income Annuity1 is an effective generator of income. It can provide high levels of guaranteed payments that

cannot be outlived. In fact, it would be difficult to find another investment that can offer the amount of income that a

Lifetime Income Annuity produces, coupled with its high level of security and stability.

So how can a Lifetime Income Annuity provide the attractive levels of income it does?

The answer can be found by looking at the “Anatomy of Income”. There are three components that make up the

payments an annuitant receives. The ratio of the components will change over time, but each is an important segment

of the income payments.

Lifetime Income Annuity payments are comprised of:

What is Mortality Credit?The mortality credit is also known as themortality yield. With a Lifetime Income Annuity, premiums paid by those who dieearlier than expected contribute to gains ofthe overall pool and provide a higher creditto survivors than could be achieved throughindividual investments outside of the pool.

The Anatomy of Income

Anatomy of Income

2. InterestThere is a portion of each paymentthat comes from interest earned fromthe insurance company’s investmentof premiums.

1. Return of PremiumEach payment includes the return ofa portion of the original investmentmade by the policy owner.

3. Mortality CreditEach payment includes income that isdirectly linked to the current age of theannuitant. This portion is known asmortality credit.

1 Issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Guarantees are based on the

claims-paying ability of the issuer.

LIA-1009

Value Add/Sales Ideas

Turning Lazy Assets into Income for LifeSales idea explaining how assets from a fixed deferred annuity can

be rolled into a Lifetime Income Annuity, generating guaranteed

lifetime income to cover basic and discretionary expenses.

Older annuities may be a source of assets from which to generate

retirement income.You may have purchased a Fixed Deferred Annuity (FDA) several years ago to help save for retirement, with the intention

of generating income later on. FDAs can be an effective vehicle for asset accumulation because of their safety and the ini-

tial guaranteed interest rates they provide; they can also be annuitized to produce income.

When these annuities are beyond their guaranteed interest rate years however, and past their surrender charge period,

the interest they provide may be minimal and unattractive. Therefore, if the need for more retirement income exists,

these “lazy” assets may be a consideration to help generate that income.

The assets from a Fixed Deferred Annuity (one that is beyond its surrender period) can be annuitized to generate income,

but is that really the best option? Another strategy is to roll those assets into a New York Life Lifetime Income Annuity.1

Turning Lazy Assets Into Income for Life

1 Issued by New York Life Insurance and Annuity Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, NY, NY, 10010. Guarantees are based on the claims paying

ability of the issuer.

The 4 P’sA sales idea that gives an overview of the Lifetime Income Annuity

along with hypothetical illustrations on various payouts.

LIA-1053

LIA-1129

5

NEW YORK LIFE LIFETIME INCOME ANNUITYRetirement Income Challenges BrochureThis guide offers an overview of some of the risks and challenges

that clients may face when trying to plan for retirement income. The

guide should be used in conjunction with the Retirement Income

Challenges Cards. Approved for Client use.

Retirement Income Challenges CardsThese are a great interactive tool for clients to use with Reps to help

rate their perceived retirement risks. Approved for Client use.

LIA-1106

LIA-1124

Cover Your Basic Expenses in RetirementThis piece demonstrates how Guaranteed Lifetime Income can help

clients fill any retirement income gap. Ideal for use with clients whose

only current source of income is Social Security or a small pension.

A Simple Approach to RetirementWe believe there is a simple approach to retirement and

we call it The 2-Step Process for Retirement Income.

First, pay for basic expenses with guaranteed sources

of lifetime income. Then, pay for discretionary expenses

with income from investments, supplemented by a

sustainable withdrawal rate from assets, as needed.

Review the plan annually and make adjustments based

on changing needs and changing market conditions.Are Social Security and Your Pension Enough?Your current sources of guaranteed income may include

Social Security and a pension. On average, Social

Security accounts for only a small percentage of your

work income. If your Social Security benefits and

pension aren’t enough to pay for all of your basic

expenses, you may need to convert some of your

assets into guaranteed income to help pay your basic

expenses and maintain a comfortable retirement.You can accomplish this with the New York Life Lifetime

Income Annuity, issued by New York Life Insurance and

Annuity Corporation (A Delaware Corporation). The New

York Life Lifetime Income Annuity offers guaranteed,*

steady income that you cannot outlive. You’ll have peace

of mind knowing your income is guaranteed for life, no

matter how long your retirement lasts.Get StartedTo learn how the New York Life Lifetime Income Annuity

can help you pay for your basic living expenses, speak to

your Representative today.

Cover Your Basic Living Expensesin Retirement

* The New York Life Lifetime Income Annuity is issued by New York Life Insurance and Annuity Corporation, (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company,

51 Madison Avenue, New York, NY 10010. All guarantees are based on the claims-paying ability of New York Life Insurance and Annuity Corporation.

Does Your Retirement Income Strategy Have What it Takes?

Details the 2-Step Process for Retirement Income, which helps cover

clients’ basic and discretionary expenses in retirement. This piece also contains “The 2-Step Process Worksheet”.

LIA-1015

Does Your Retirement Income Strategy

Have What it Takes?

Our Approach to Retirement IncomeWe believe there is a simple formula for a successful retirement. This approach will help ensure that you

maximize your retirement income and spend your time enjoying your retirement instead of worrying about

your finances. We call this approach the 2-Step Process for Retirement Income.

Managing Your RetirementTo fully enjoy retirement, it’s important to manage your

entire financial picture — income, assets and expenses.

Responsibility for managing these finances is shifting,

particularly for retirement income. Traditionally, retirees relied on guaranteed incomestreams, such as pensions from employers and Social

Security benefits from the federal government. Income

from personal savings was often just a small portion of

overall retirement income.

These days, retirees are bearing the burden of generating income from their own retirement savings

such as 401K(s) and IRAs. As this shift occurs, retirees

find themselves facing retirement income challenges

that they may not fully comprehend, including longer life

expectancy, inflation, market uncertainty, rising health

care costs and withdrawal rates.Fortunately, New York Life Insurance Company

can help make it easier.

LIA-1017

Value Add/Sales Ideas

FOR INTERNAL USE ONLY

New York Life Annuities are issued by New York Life Insurance and Annuity Corporation (NYLIAC) (A Delaware Corporation) a wholly-owned subsidiary ofNew York Life Insurance Company, 51 Madison Ave, New York, NY 10010.

M A R K E T I N G M AT E R I A L

R E S O U R C E G U I D E

ANNUITIES Are Not FDIC/NCUA Insured | Are Not a Deposit | May Lose Value | Have No Bank Guarantee | Are Not Insured by Any Government Agency

Page 15: Lw 2014 portfolio

rintPRedefine your

means in

retirement.

So you can do more of what matters.

Just the facts about the New York Life...Guaranteed Future Income Annuity II1

Issuing company

New York Life Insurance and Annuity Corporation (NYLIAC)

(A Delaware Corporation), a wholly owned subsidiary of

New York Life Insurance Company1A deferred income annuity that guarantees income payments—beginning after a chosen waiting period—for as long as you live.

Product type A flexible premium deferred income annuity that provides

a stream of income payments guaranteed for the life or

lives of the annuitant(s), beginning on a date chosen by

the policyowner.Issue ages

least five calendar years before the calendar year in which

income payments start, and can be within the deferral period. Minimum initial premium

Minimum subsequent premiums

1 Guarantees are subject to contract terms, exclusions, and limitations,

no cash surrender value, and no withdrawals are permitted prior to the

income start date. Income payments are guaranteed at least as long as

the annuitant is living, provided the annuitant is alive on the designated

income start date.

Just the facts about the New York Life...Guaranteed Period Income Annuity II1

Issuing company

New York Life Insurance and Annuity Corporation (NYLIAC)

(A Delaware Corporation), a wholly owned subsidiary of

New York Life Insurance Company1An immediate annuity that guarantees income payments for a chosen period of time.

Issue ages2

Non-qualified: Available to policyowners and annuitants

ages 0-95 Qualified: Available to policyowners (primary annuitants)

ages 18-89 Roth IRA: Available to policyowners ages 59½-89 with a

Roth IRA of any amount in place for at least five calendar

years before the year in which income payments start.

Some options may not be available at certain ages.Markets Non-qualified and Qualified (e.g., IRA Rollovers, 401(k)

Rollovers, Roth IRAs, Inherited IRAs, and Inherited Roth IRAs)

Minimum initial premium

$5,000. A premium payment of over $1 million requires a

large-case questionnaire and prior New York Life Insurance

and Annuity Corporation approval.Income periods

5-19 years

Special features

Annual Increase Option Allows most policyowners to have initial income start lower,

but payments increase each year by any whole number

percentage from 1% to 10% (depending on percentage

chosen) for the life of the policy. Structuring payments this

way may help neutralize the impact of inflation as living

expenses increase over time. Policyowner must be at least 59½ at the time of first payment.

Must be elected at issue.1 Guarantees are backed by the claims-paying ability of the issuer. Products

available in jurisdictions where approved.2 Any distributions you receive from a New York Life Guaranteed Period

Income Annuity II before you reach age 59½ will be subject to a 10%

penalty tax, absent an applicable exception. New York Life will report to

the IRS distributions received before the owner reaches age 59½ as being

subject to the 10% penalty tax if the policy is either (a) a Traditional IRA or

(b) a non-qualified policy acquired in a Section 1035 exchange. You should

speak with your tax advisor if you are considering purchasing this product

before reaching age 59½.

Steadily growing,

safe and secure.

Financial values your future can count on.

Page 16: Lw 2014 portfolio

rintPNEW YORK LIFE

FIXED ANNUITY PRODUCT GUIDE

ANNUITIES Are Not FDIC/NCUA Insured Are Not a Deposit May Lose Value Have No Bank Guarantee Are Not Insured by Any Government Agency

FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE PUBLIC.

NEW YORK LIFE FIXED ANNUITY PRODUCT GUIDE

ANNUITIES Are Not FDIC/NCUA Insured Are Not a Deposit May Lose Value Have No Bank Guarantee Are Not Insured by Any Government Agency

FOR REPRESENTATIVE USE ONLY. NOT TO BE USED WITH OR DISTRIBUTED TO THE PUBLIC.

...with the New York Life Secure Term MVA Fixed Annuity II*from New York Life Insurance and Annuity Corporation

Help Your Clients Plan for the Future TODAY...

* A Market Value Adjustment (MVA) is a positive or negative adjustment to the policy’s accumulation value or the amount received in a withdrawal, when a partial withdrawal or full surrender is made during the surrender charge period and the withdrawal or surrender exceeds the policy’s surrender charge free withdrawal amount. Refer to the New York Life Secure Term MVA II Fact Sheet for more information.

For Financial Advisor Use Only

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rintPChoose Well...

2010 Open EnrollmentYO U R O N L I N E G U I D E

Click here to begin

21

▲ Back to

Co nt e nt s

▲ How to

E n ro l l

▲ Contact

I n fo r m at i o n

▲ Plan-Specific

D e t a i l s

▲ Prevention &

We l l n e s s

▲ Benefits

E l i g i b i l i t y

▲ Things to Know

A b o u t Yo u r B e n e f i t sShort on Time?

You can click on any of these sections for specific information...

Mental Health and Work/Life Balance Programs

• Employee Assistance Program (EAP)—a free and confidential program available 24 hours a day,

7 days a week. When you call the EAP, you’ll reach an experienced specialist who will provide

you with a referral or connect you with a counselor who can help you with issues such as

anxiety, anger management, marital conflicts, grief and/or substance abuse. Call 800-511-3920

or log on to www.members.mhn.com. Access code is edisonsch.

• United Behavioral Health—a 24-hour telephone referral service that provides confidential

support for a wide range of personal issues. In addition to answering questions about mental

health and substance abuse concerns, UBH can also provide names of nearby participating

clinics, counselors and doctors; monitor your treatment progress; and help resolve problems or

concerns you may have with your treatment. To learn more, visit www.liveandworkwell.com.

Pregnancy and Childcare

• Healthy Pregnancy Program—offers you free, personalized support through all stages of

pregnancy and delivery. Features include toll-free access to experienced healthcare

professionals and customized pregnancy and childbirth education material and resources.

– POS 15 members: $150 per hospital admission copay will be waived.

– HRA Members: $150 will be added to your HRA balance.

newnew!

newnew!

Two Things You Must Do

• Join Healthy Pregnancy Program by going to www.healthy-pregnancy.com or

call 800-411-7984.

• Register for the waived copay (POS 15) or credit (HRA) by calling 866-322-0887.

myuhc.com—A Wealth of Tools and Resources

myuhc.com features a vast range of information and tools to help you live the best life

possible. In addition to the resources listed above, you can also log on to find:

• Personal health record, which enables you to keep track of all your health conditions,

medications, procedures, and lab results;

• Health improvement tools;

• Online programs to help you achieve your health and wellness goals; and

• Comprehensive library of health and wellness articles.

20

Back toCo nt e nt s

How toE n ro l l

ContactI n fo r m at i o n

Plan-SpecificD e t a i l s

Prevention &We l l n e s s

BenefitsE l i g i b i l i t y

Things to KnowA b o u t Yo u r B e n e f i t s

Wellness Programs, Tools and ResourcesAs part of EdisonLearning’s commitment to wellness, we offer comprehensive programs to

assist you in managing your health in simple, convenient, and cost-effective ways. By thinking

preventively, you can take care of small medical issues before they develop into larger, more

costly and potentially serious problems. Medical Programs and Services• Disease Management Program—designed to help you manage critical conditions, such as

asthma, diabetes, coronary artery disease, and others. You’ll work with a specially-trained

nurse to develop a personal health plan. You’ll also receive ongoing information and support

by phone. Call 866-633-2446 for more details.• Cancer Resource Services—a toll-free hotline devoted to answering your questions when

you or a loved one is diagnosed with cancer. Call 866-936-6002 to speak with experienced

cancer nurses about all aspects of treatment and care, including whether or not to get a

second opinion. • Health Assessment & Personalized Report—a free and confidential, 20-minute survey about

your current health and lifestyle. When completed, the Health Assessment can tell you if

you’re facing potential health risks, which you can then discuss with your doctor. Go to

www.myuhc.com.• Source4Women—a website that addresses women’s healthcare needs through a uniquely

female perspective. Offering real answers in plain, easy-to-understand language, you’ll find

information about topics such as Arthritis, Infertility, Breast Cancer, Eating Disorders,

Menopause & Perimenopause, Multiple Sclerosis, Osteoporosis, Endometriosis, Pre-menstrual

Syndrome, and many others. Go to http://www.uhc.com/source4women.

Short on Time?You can click on any of these sections for specific information...

newnew!

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|200

9 Acta

vis Be

nefit

Plan

s

Dental Plan

Actavis provides dental coverage under a Dental PPO Plan

administered by Aetna. You may choose any eligible dental

provider, but you benefit from discounted fees when you

use an in-network dentist. When you use an out-of-network

Dental PPO Plan

In-Network Coverage

Out-of-Network Coverage*

Annual Calendar Year Deductible $50 single/$150 family

$50 single/$150 family

Class I: Preventive Services

100%, no deductible

100%, no deductible

Oral Exams, Routine Cleanings (two per year)

and X-rays

Class II: Basic Restoration Services 75% after deductible

75% after deductible

Fillings, Root Canal Therapy and Oral Surgery

Class III: Major Restoration Services50% after deductible

50% after deductible

Crowns, Dentures and Bridges and

Surgical Extractions of Impacted Teeth

Class IV: Orthodontia Services

50% after deductible

50% after deductible

Annual Maximum for Classes I, II, and III

$1,500 per covered person

(Does not apply to Orthodontia)

Lifetime Maximum for Class IV

$3,000 per covered person

2009 Benefits at A Glance

* Out-of-network charges subject to Reasonable and Customary (R&C) allowance.

provider, your cost is based on the Reasonable & Customary

(R&C) allowance. You must pay the dentist any amount that

exceeds the R&C allowance, in addition to the deductible and

your coinsurance.

9|2

009 A

ctavis

Bene

fit Pl

ans

Flexible Spending Accounts (FSAs)

Actavis provides employees with the opportunity to participate

each year in Health Care and/or Dependent Care Flexible

Spending Accounts (FSAs), offering a tax savings. You can pay

for out-of-pocket, eligible healthcare and/or dependent care

expenses with pre-tax dollars, which also lowers your taxable

income. (Please note, the FSAs do not provide reimbursement

for domestic partner expenses.) And, if you enroll in the Health

Care FSA, you will receive a FlexDirect debit card. Once you

activate this card, you may use it to conveniently pay for

certain FSA expenses—including network doctor’s office visit

Health Care FSA

Dependent Care FSA

Estimate Your Eligible Expenses:

Choose How Much to Contribute:$120 to $5,000 per year

$120 to $5,000 per year

($2,500 if married and filing taxes separately)

Enroll By:

You must enroll during Open Enrollment each year to participate.

Your previous year’s FSA election will not carry over.

Incur Expenses By:

You must incur eligible expenses between January 1, 2009 and March 15, 2010.

Submit Claims By:

All eligible claims must be submitted to ADP for reimbursement by June 30, 2010.

Any account balance remaining after your 2009 expenses are paid will be forfeited.

FlexDirect Card:

Yes

No

Auto-Reimbursement:

Yes, for in-network medical, dental and No

vision claims

Learn More:

Call 1-800-TAX-FORM or visit www.irs.gov and see Publication 502 (Health Care) and

Publication 503 (Dependent Care) for FSA qualifications and eligible expenses.

You may also visit www.adp.com for more details about the FSAs.

• Deductibles, copays and coinsurance for medical,

prescription drug, dental and vision care, which

are not covered under any health plans

• Expenses that exceed the plan limit or allowance

for covered services

• Prescribed tobacco cessation aids and programs

to help you quit smoking and treat withdrawal

that are not covered by health insurance

• Over-the-counter medications used to treat

personal injuries or sickness and nicotine

gum/patches for smoking cessation

• Child care centers, private providers, nursery

schools, summer day camps and after-school

care provided for your eligible dependent

(children up to age 13)

• Care provided for your eligible elderly or

disabled, tax-qualified dependent. (Note:

excludes nursing home care and overnight care

in a live-in facility)

copays, over-the-counter medications and prescription drugs

at approved locations. The IRS mandates that certain providers

must implement technology that separates eligible from

ineligible FSA expenses right at the cash register. Only

locations with this technology, which includes most network

pharmacies and healthcare providers, can accept your

FlexDirect Card.

Is one or both FSAs right for you in 2009? Use the chart below

to help you find out.

Your Actavis Benefit Plans

At Actavis, we know how important comprehensive benefits

are to you, especially in these difficult times. We’ve researched

the market place to ensure the plans we offer are competitive

and supportive of our employees’ needs as well as those of

our business. For 2009, we’re enhancing our benefit plans to

provide greater choice and flexibility, along with discounts and

tax savings opportunities. You’ll see new medical, dental and

vision vendors, a choice of three medical plan options with

enhanced health and wellness features, and a wider range of

coverage choices under the Optional Life Insurance program.

All employees MUST actively enroll for 2009 benefit coverage

during Open Enrollment, which takes place November 3

through November 14, 2008. If you do not enroll by

November 14, 2008, your Actavis benefits will be limited to

Company-paid benefits, including Basic Life, Accidental Death

and Dismemberment, Business Travel Accident Insurance and

Short- and Long-Term Disability coverage.

Please take a few minutes to learn about what’s new in 2009

by reading your enrollment materials and attending an

employee education session at your work location. You’ll find

the Actavis Benefit Plans provide a solid level of financial

security, while allowing you the flexibility to choose coverage

that meets your personal needs and budget.

More Choice

Flexibility

and

in2009

Highlights of Your

2009 Benefit Plans

Here is a snapshot of

what’s new for 2009.

Please read on for more

information, and watch

for your Enrollment Kit,

which contains more

detail, in late October.

• New Medical, Dental

and Vision vendors

• Prescription Drug

Coverage that varies

based on your Medical

Plan election

• New Optional Life

coverage options

Financial Tip:

We recognize that different people have different benefit needs. For 2009, you MUST make a separate election for vision

and medical coverage; they are no longer “bundled” together for the same premium.

2009 U.S. Employee Benefits

Your Actavis Benefit Plans Enrollment GuideOffering You Choice and Flexibility

Page 20: Lw 2014 portfolio

rintPAs part of our du

e diligence, wesearched the marketplace to find a healthcare company with a broad range of affordable,

high-quality benefits and customer service, aswell as programs and resources to help our associates

maintain optimal

health. As a result, we chose Aetna and here’s why:

• Aetna has a vast nationwide network of doctors, sp

ecialists and other providers within its Choice POS II network.

In fact, our associates will find most of their cur

rent doctors in the Aetna network;

• Essentially, the same medical and dental plans will be offered, so you’ll receive the same benefits for co

vered

services and supplies, including 100% coverage for in-network

preventive care;

• You’ll receiveone ID card for both medical and prescription drug services and another for de

ntal services;

• You’ll have access to a larger selection of wellness and health care management programs designed to help

you and your family with a variety of health issues and concerns; and

• There will be no increase for most medical and dental out-of-pocket plan expenses, inc

luding your

deductibles, co-payments, co-insur

ance and out-of-pocketmaximums.

For your convenience, your

medical and dental coverag

e will automatically transfe

r from UHC to Aetnaas

of January 1,2009, unless y

ou enroll to change your lev

el of coverageor you choose

to waive coverage.

Aetna’s Total Health and Total H

ealth Plus Plans

Consider Your Medical Options fo

r 2009 and Save

Even though your current medical coverag

e will automatically transfer from UHC to Aetna, it’s worth re-evaluating

your Plan options. Boththe Total Health and Total Health Plus Plans offer a high level of in-netw

ork benefits, so

you’ll pay less when you receive care from a participating provider. Themain difference between the medical

options is the out-of-network benefits each offers. Please

see the chart below to compare the Plans and pick

the best one for you and your family.

Plan BenefitTotal Health

Total Health Plus

In-NetworkOut-of-Netwo

rk1 In-NetworkOut-of-Netwo

rk1

Annual Deductible2 $250 individual/

$1,000 individual/Not applicable

$225 individual/

$500 family$2,000 family

$550 family

Annual Out-of-Pocket Unlimited

$8,500 individual/Unlimited

$2,225 individual/

Maximum3, 4

$17,000 family

$4,550 family

Lifetime Maximum Unlimited

$1,000,000Unlimited

$1,000,000

Office Visits

• Primary Care 100% after $20 co-pay 70% after deductib

le 100% after $15 co-pay 70% after deductible

• Specialty Care 100% after $30 co-pay

100% after $25 co-pay

Inpatient Hospitalization 100% after deductib

le 70% after deductible 100% after

70% after deductible

(including maternity stays)

$250 co-pay

Emergency Room Care 100% after $75 co-pay 100% after $75 co-pay 100% after $75 co-pay 100% after $75 co-pay

(waived if admitted)(waived if admitted)

(waived if admitted)(waived if admitted)

Maternity Office Visits 100% after $30 co-pay 70% after deductib

le 100% after $25 co-pay 70% after deductible

(initial visit only)

(initial visit only)

Medco Prescription

Drug CoverageMedco will administer the 2009

prescription drug program.

Find out whattier your

prescription drug(s) will

be listed under in 2009.

Visit www.medco.com

or call 1-800-711-0917 to

see if your prescription(s) is

on the Medco Formulary.

If your prescription isn’t,

ask your doctorif a lower-

cost generic medication or

comparable brand name on

the preferred list is right

for you.

Fast facts! About your 2009 Medco prescription drug program:

A Change for the Better

Below is a high-level comparison of the Total Health and Total Health Plus Plans. Note there will no longer be a separate

Urgent Care co-pay. Your co-pay for unexpecte

d care at an Urgent Care Clinic or your doctor’s office will be determined

by the level of service provided and how it is billed. Please

see the Intranet for full plan details.

OVERVIEW OF PLAN COV

ERAGE

1 Out-of-network benefits are based on the Reasonable & Customary charges. You

are responsible for any charges in excess of the amount paid

by the Plan.

2 Each person must satisfy the individual deductible. For fa

mily coverage, expenses for multiple covered family members may be used to satisfy

the family deductible. However, no one person can satisfy more than his/her individ

ual deductible.

3 Out-of-pocketmaximum does not include the annual deduc

tible.

4 For family coverage, noone person can meet more than his/her individ

ual out-of-pocket maximum. However, ex

penses for multiple covered

family members may be used to meet the family out-of-pocketmaximum.

You’ll have access

to the same vast

network of participating

pharmacies and the

Medco by Mail Program,

which is cost-effective

and convenient.

Your level of benefits

will still be based on a

three-tiered co-payment

plan structure.

You’ll pay the same

co-pay for each tier of

prescription drugs.

Check Medco’s

prescription formulary

list for 2009.1 2 3 4

Your current elections, exce

pt for FSAs, will transfer aut

omatically to Aetna as of Jan

uary 1, 2009, unless you cha

nge your levelof coverage o

r you chooseto waive cove

rage.

TIP:

Medical and dental preventi

on is still the best medicine.

Don’t forget your annual physica

ls, routine medical screenings an

d dental cleanings twice per

calendar year, which are all FREE

when you’re enrolled in either th

e Total Health or Total Health P

lus Plan.

Pay Lessfor YourMedication

Your health doesn’t have to

cost you a fortune. You can

reduce your out-of-

pocket prescription drug ex

penses and save money.

Pay less for your prescripti

ons by switching to generic

s. Your generic drug

co-pays are always less than those for preferred brand name drug equivalents,

plus they’re equally effective. So,be sure to ask your doctor or

pharmacist if

a generic form of your current preferred brand prescription(s)

is available and

right for you.

Buy 2 prescriptions, get 1 F

REE with Medco by Mail. U

se this home delivery

service for prescription drugs you take regularly, inclu

ding oral contraceptives

or medication for chronic conditions, such as asthma and diabetes. You

can

receive up to a 90-day supply of medicine through Medco by Mail for the cost

of a 60-day supply from a retail pharmacy – that’s three months for the price of

two! Just askyour doctor to

write a 90-day supply prescription (in generic form

when possible), instead of a 30-day prescription with two refills. Then, d

ownload

an order form at www.medco.com or call the Medco Pharmacy Help Desk

at 1-800-922-1557 and order your pre

scriptions online, by phone or mail.

Know More, Feel Better, Stay Health

y

When you or a family member needs care, or evenjust

medical advice,it can be difficult and confusing to know

where to turn. The good news is you don’t have to navigate

the healthcare system and decision-making process on

your own. Since J.CREW cares about you and your family,

we’ve assembled an enhanced system of services, support

and resources—at no additional cost to you. What’s more,

you can be sure you are receiving services with the strictest

of confidenceand that your priva

cy is always protected.

Effective January 1, 2009, associates who are enrolled in

either medical plan option will have access to these new

and enhanced services and resources:

• The 24/7 Nurse Line at 1-800-556-

1555 is a

convenient way to get answers to your health questions

or concerns anytime, day or night. If you’re dealing with a

health issue and you’re not sure what to do next, call the

24/7 Nurse Line to talk with a registered nurse who can

help you consider youroptions and make an informed

decision on the best course of action.

• The Maternity Support Se

rvice Line at 1-888-277-1057

is staffed by dedicated maternity nurses who work with

expectant mothers and offer support through all stages of

pregnancy, giving mothers and their babies a

healthier start.

• The Personal Nurse Adv

ocate Serviceat

1-888-277-1057 offers support for a

wide variety

of medical conditions, such as asthma, diabetes and

depression management. A registered nurse will work

with you, helping you develop a personal action plan to

better manage your conditionand avoid unnecessary

complications to improve your quality of life.

• The Behavioral Health S

upport Service Line at

1-888-277-1057, which complements the Employee

Assistance Program (EAP), specializes in stress and

depression management, substance abuse problems and

medication management. Professional counselor

s are

available, 24 hours a day, 7 days a week, to provide

private, confidential assistan

ce – whether it’s answering

your questions, helping you locate the right network

provider for outpatient couns

eling or arranging hospital

admissions for you or a covered family member.

Plus, by just logging on to www.aetna.com you’ll find a

wealth of healthcareinformation at your fingert

ips. You can

complete an online health risk assessment to receive a

snapshot of your health along with a personalized Health

Profile and register to participate in special programs that

focus on your specific health needs and issues.

Aetna’s Dental Coverage

Beginning January 1, 2009, yourdental coverag

e will be administered through Aetna’s Dental PPO

network. Thismeans coverage through the UHC network will end as of December 31, 2008.

VSP’s EnhancedVision Coverage

The Vision Plan will continue to offer valuablecoverage administered by Vision Service Plan (VSP).

Plus, effectiveJanuary 1, 2009, when

you visit a VSP provider you’ll receive:

• a $150 reimbursement (previously$120) towards

the purchase of frames AND/OR

• a $130 reimbursement (previously$120) towards

the purchase of contact lenses.

Want to find out more about

your dental and vision benef

its?

Just visit the Intranet for full plan

details on theseand all other

associate benefits that are a part

of the J.CREWBenefits Program

.

Be sure to present your new

Aetna Medical/Prescription

ID card to your doctor(s) an

d pharmacistat your first v

isits in 2009.

Fast facts! About your Dental Coverage

administered by Aetna:

Aetna has a vast

nationwide network

of dentists and dental

professionals.In fact,

the Aetna network

includes the majority of

our associates’ current

dental providers. Go to

www.aetna.com/docfind

to review the list of

participating dentists

in your area.

The Aetna Dental Plan

will offer the same

dental benefits with the

same out-of-pocket

costs you have now.

Again, your current

coverage will transfer

automatically from

UHC to Aetna as of

January 1, 2009, unless

you elect to change

your level of coverage

or you choose to waive

coverage.

1 2 3

TIPS FOR SCRIPTS

TIP:

2009 will offer a New Carrier,the Same Great Coverage and Better ProgramsIn our effort to continue offering high quality benefits to you and your family, J.CREW

Group, Inc. will be switching to a new carrier. With this change, you will receive enhanced

benefits and new personalized wellness and health care management programs—through

a network that includes most of the providers you’ve come to know and trust. That new

carrier is Aetna, a name we’re sure you’ll recognize as a national leader in healthcare with

a fine network of doctors and hospitals.

OPEN ENROLLMENT: NOVEMBER 3 – 14, 2008

J.CREW Open Enrollment is November 3 – 14, 2008

As you prepare for the 2009 Open Enrollment, you’ll find switching from UnitedHealthcare (UHC) to Aetna is pretty easy.

However, it’s important that you understand the upcoming enhancements and changes to your benefits for 2009 so you

can decide which coverage is best for you and your family in the upcoming year. Review your enrollment information

carefully. Then, take advantage of all our benefits program has to offer, including programs designed to keep you and

your family members in good health!

• Aetna will be the new medical carrier, offeringcoverage through the Choice POS II network.

• New and enhanced wellness and health caremanagement programs will be available.

• The Total Health and Total Health Plus Plans willcontinue to offer the same medical benefits.

Medical

• Aetna will be the new FSA administrator forthe 2009 plan year. • Eligible medical, prescription drug and dental

expenses will automatically roll over to yourFSA for reimbursement.

FlexibleSpendingAccounts(FSAs)

• Certain prescription drugs will change tiers. • Retail and mail order (Medco by Mail) prescriptiondrug co-pays will remain the same for each tier.

• Medco will continue to offer the same networkof participating pharmacies.

PrescriptionDrugs

• Aetna will be the new dental carrier, offeringcoverage through the Aetna Dental PPO network.

• The dental benefits will remain the same.

Dental

• In-network benefits for frames and contactlenses will increase. • Vision Service Plan (VSP) will continueadministering vision benefits.

Vision

What’s Changing

What’s Staying the Same?

• The cost of coverage for both the Total Healthand Total Health Plus Plans will change.

• Your one premium will include medical,prescription drug, dental and vision coverage.

Your Premium

What You Needto Know and DoAs of January 1, 2009, your currentelections and level of coverage formedical, dental and prescription drugswill transfer automatically from UHC toAetna at the 2009 premium contributionrate. Remember, you must activelyenroll during the Open EnrollmentPeriod of November 3 – 14, 2008 tochange your elections or to participatein one or both Flexible SpendingAccounts (FSAs) in the 2009 plan year.Be sure to review your options andcosts carefully to be sure they continueto meet your needs and fit within yourbudget next year. This newsletter isintended to help you:

• Understand all that the 2009 J.CREWbenefit package has to offer you andyour family.• Decide if you want to make anelection change—Open Enrollmentbegins on November 3 and ends onNovember 14, 2008.• Enroll conveniently and securely fromyour computer using the J.CREWSelf Service. See the enclosed insertfor instructions.

• Learn how your coverage willtransition from UHC to Aetna(medical and dental) and Medcoas of January 1, 2009.• Check your personal information—including name, address andbeneficiary designation(s)—by visitingthe J.CREW Self Service. Make sureeverything’s up-to-date so youreceive your new 2009 Aetna IDcards in December and otherimportant information in the future.

HIGHLIGHTS FOR 2009

Remember, you must actively enroll to change your elections or to participate in one or both Flexible Spending Accounts (FSAs) in 2009.

TIP:

benefits news

Page 21: Lw 2014 portfolio

rintP

Page 22: Lw 2014 portfolio

rintPThe ability to make tax-advantaged contributions to save for retirement?

what features are important to you?

Your medical plan checklistAll of the L’Oréal Medical Plans include medical, prescription drug and

vision benefits, along with wellness resources and tools. However, they

also have different features, benefit levels and contributions. Use the

answers to the following questions, your personalized enrollment

worksheet and the comparison tools in this Guide and online at

www.uhc.com or www.aetna.com to help you compare your options

and choose the best option for your family.

One physician to coordinate your medical care?

Lower employee contributions with higher deductibles

and financial protection when you need it?

Higher employee contributions in exchange for greater out-of-network

coverage, including lower deductibles and higher coinsurance?

Flexibility to visit in- and out-of-network providers at any time?

12

■ Yes ■ No

■ Yes ■ No

■ Yes ■ No

■ Yes ■ No

■ Yes ■ No

■ Yes ■ No

■ Yes ■ No

■ Yes ■ No

Access to specialty pharmacy services?

Extra discounts and resources to help you save money and manage your health?

Coverage for all of your dependents?

Take advantage of all that L’Oréal offers and select the Medical Plan that is right for you.

2008 ENROLLMENT GUIDE

YOUR L’ORÉAL BENEFITS

Page 23: Lw 2014 portfolio

rintPl o rea l .se l fserv icenow.com

balancedlivingARAG Legal Services MetLife Auto and Home Insurance Vision One Vacation Enhancements Maternity, Adoption and Infertility Benefits Educational Assistance EAP Services

VOLUNTARY AND WORK/L IFE PROGRAMS

interested? take a flyer below

howmuch?

help!

parenthood

envision

knowledgevacation

L’Oréalcares

What do you need to do?Submit your completed CHA to Gordian Health

Solutions and receive a wellness incentive in your paycheck.How do you do it?Submit your completed paper CHA to Gordian Health Solutions.

ORVisit www.HealthyBenefitsOnline.com and complete the CHA online.

Still have questions?Can’t find your packet, need your Personal ID Number

or have questions about completing your CHA? Call Gordian Health Solutions at 1-800-543-3785.

Step-Up to AHealthier You!

...to get the wellness incentive!

there’s still time... If you have a chronic condition, such as asthma, diabetes or heart disease,

take advantage of FutureHealth®, an important part of L’ORÉAL USA’s

medical benefit program.The FutureHealth® program:• Provides education to help you take charge and manage your condition

• Supports, but does not replace, your doctor’s advice• Reinforces healthy habits so you can lead a healthier life

Step-Up to AHealthier You!

Call FutureHealth® toll-free 1-888-254-1251 or visit

www.myfuturehealth.net.

It’s FREE and it’s confidential

If you’re living with heart disease, you’re not alone.

If you or a covered family member is participating in a L’ORÉAL USA medical benefit

program and has a heart condition, don’t go it alone!

FutureHealth® can help. Your healthcare benefits provide free access to the personal

health coaches at FutureHealth®. Your health coach can answer questions about diet

and medications to keep your heart as healthy as can be.

Call FutureHealth® today. Take this important step to leading a happier, more productive

life by enrolling in the FutureHealth® cardiac program.

Step-Up to AHealthier You!

It’s FREE and it’s confidential

Call FutureHealth® toll-free 1-888-254-1251 or visit

www.myfuturehealth.net. Join today!

Page 24: Lw 2014 portfolio

rintPWhat empowers you?

Good health. Respect. Friendship. It’s essential to protect the things

that empower you to reach your goals. Good health can be an

important part of realizing your personal and career aspirations.

Be one of the first L’Oréal employees in 2007 to complete a Health

Risk Assessment (HRA) provided by Aetna and Simple Steps. If you

are one of the first 25 employees to complete the HRA, you will

receive a free month of medical insurance, as well as entry

into drawings for fantastic prizes later in the year.

If you have already completed the HRA, congratulations! You took

an important step toward improving your health.

What Inspires You?

Family. Dreams. Career. These may be some of the

reasons you look forward to the future and feel

inspired to live a healthy life.

Starting May 15, 2007, you can complete the

confidential Health Risk Assessment (HRA) and learn

how to make healthy changes to benefit your future.

How about free health care?

The first 25 employees to take the HRA will receive

a free month of medical insurance. Additionally, you

will automatically be entered into a drawing for great

prizes later in the year.

What moves you?Progress. Success. Responsibility.It takes work to stay motivatedand focused on your life goals.Take this opportunity to set a goalfor better health.

You must complete your HRA by June 15, 2007, for a chanceto win a 26” LCD TV!

Page 25: Lw 2014 portfolio

rintP

Page 26: Lw 2014 portfolio

rintPMANAGEMENT PROGRAM

Helping You Take Care

where do

YOUsee yourself in 5 years?

Maybe your plans include professional development, starting a family, sending your children to college, traveling,

or preparing for retirement. Each of us has different goals and different visions for how our lives will evolve in the years to come.

But no matter what your plans include, there’s one thing that’s critically important for all of us in fulfilling our dreams—good health.

To help all Novartis people (our associates and their family members) obtain and maintain good health and the best care

if or when their health status changes, the Company is re-dedicating its commitment to overall health management. Why? Because

our mission to improve people’s lives means what it says—we want to help all people, the patients we serve, the communities that

depend on us and, perhaps most importantly, the people who make our mission happen, YOU!

Health Management, known at many other companies as “disease management,” is a series of programs designed to help people who

are managing chronic conditions. However, our approach is different. At Novartis, Health Management includes more than just the

expected programs. It is a holistic partnership between Novartis, medical plan and prescription drug carriers, our EAP provider and

others designed to help support all of us in the goal to achieve better health. Novartis wants to help people with newly diagnosed

conditions, providing them with a third party (Novartis benefit plan partners) to help them control their condition and to help them

keep the condition from escalating, and possibly reversing some of the negative effects of the condition.

We have challenged all of our health care partners (including CIGNA, Horizon, Mayo Clinic, Medco, Medstat, UnitedHealthCare, and oth-

ers with whom we work) to integrate their efforts on behalf of Novartis and its associates. We have worked hard to ensure that, no mat-

ter which medical plan you participate in, you will receive appropriate and meaningful outreach in the event you, or a covered family

member, are diagnosed with certain conditions.

Once diagnosed (or self-identified) with one of these conditions, patients will receive outreach, support, information and education from

specialists with whom we partner.

Health Management at Novartis:

Programs Designed with YOU in Mind

what’sinside!

1

Learn about our

Health Risks

2

See how it pays

to get fit

3

Read how people

are identified for

Health Management

• A s t h m a • C o r o n a r y D i s e a s e • D i a b e t e s • P r e g n a n c y • S t r e s s

Health

Start Your Engines NOWSince 2004, when Novartis* first implemented the Mayo Clinic HRA tool, we’ve learned that a significant

percentage of our colleagues and friends have some form of health risk. And yet, despite how tremen-

dously important it is to identify these risks early, we’ve recently seen a decline in the total number of

associates who have completed an Assessment.So, we’re asking that you take action: Complete a Mayo Clinic HRA. Today. Even if you’ve completed one in

prior years. Do your part to take care of smaller health problems now before they become larger and more

complicated later. Our goal is to meet the “Drive for 85,” achieving at least 85% associate participation in

the Mayo Clinic HRA by October 30, 2006.Completing the Mayo Clinic HRA is easy. Logon to www.novartishealthinfo.com from any computer, and

then link to the Health Risk Assessment. Or, logon to OneHealthLink at work and look for the Health Risk

Assessment link. The entire Assessment takes only 15 minutes. It’s fast, easy, and extremely convenient. But

most important? It might just help save your life.

Take The Test Drive That Could Help Save Your Life. You hear it a lot,

we know.Your spouse, partner, parents, even your kids want you to take better care of yourself.

But when it’s so hectic, your best intentions often fall by the wayside. So do something for

yourself: Complete a Mayo Clinic Health Risk Assessment (HRA) in the next few weeks. Not

only is it good for you; it’ll also save you money. And unlike everything else that’s supposedly

good for you, it’s painless and doesn’t taste bad—and you may even win some cool prizes!

1Take The Test Drive ThatCould Help Save Your Life.

2Learn How to WinCool Prizes!

3What is a Health RiskAssessment?

4Rules of the Road:Respecting Your Privacy

WHAT’S INSIDE

Get in the

FAST LANEfor the Health Risk Assessment

* For the purposes of this document, the term “Novartis” refers to the Novartis Group Company that employs you, such as Novartis

Pharmaceuticals Corporation, Novartis Corporation, or Novartis Institutes for Biomedical Research, Inc. as appropriate.

MANAGEMENT

PROGRAM

Helping You T

ake Care

Health85

Do Your Part for

the Drive for

The Health Risk Assessment is a critically important tool in our toolbox for encouraging health throughout the

Novartis community. In addition to helping you understand how to help yourself by determining which health conditions

(if any) you may be at risk for in the future, results from the Health Risk Assessment are used to help us:

1 Understand those conditio

ns that are most rele

vant to Novartis

associates.

2 Determine how to allocate Company resources among wellness and

benefit programs.

3 Monitor the impact and

efficacy of o

ur Health Management Program.

Annual Enrollment is a great time to focus on your health.

Our goal this year is to engage 85% of the associates who participate in one of the Novartis medical programs

to take a Health Risk Assessment. Please log on to www.novartishealthin

fo.com from any computer and link to the

Health Risk Assessment. Or, you can take the Assessment while you’re at work. Simply log on to OneHealthLink

and look for the Health Risk Assessment link. If you already Know Your Numbers via an on-site screening or a visit

to your primary care physician, completing the Assessment only takes 15 minutes or less.

Now That’s an Incentive

So, what’s in it for

you? We know you’re busy and that taking some time out of your day to complete a Mayo

Clinic Health Risk Assessment (although brief) can be bothersome. So, we want to make it worth your while.

Give us 15 (minutes) and we’ll give

you:

• 100 (dollars). Take 15 minutes to complete the Mayo Clinic Health Risk Assessment and you’ll save $100 on

your annual medical plan contributions (on a per-paycheck basis), effective January 1, 2008.

• 250 (points). When you complete the Mayo Clinic Health Risk Assessment, you’ll also receive 250 points

toward the EmbodyHealth incentive program. Use these points toward gifts and incentives of your choosing!

EmbodyHealth Incentive points are redeemable in 2 ways:

• Field Force employees can receive 1 AWARDperQ point at the end of each phase.

• All other employees can choose the gift card reward of their choice.

Please help us reach our goal of 85% participation and complete a Health Risk Assessment today!

Every step does count,and you'll be amazed at how quickly they add up...to better fitness! We are pleased to introduce a new fitness-based

program, Every Step Counts. This is no ordinary fitness program. Every Step Counts is designed to fit easily

into your lifestyle, both on and off the job.

Look for our kick off event in April, Walk to Wellness, an interactive program that shows you how making little

changes in your day (like taking the stairs instead of an elevator, taking a brief walk at the end of the day, parking

further away from a client's office than you ordinarily would) all add up.

Get involved, and win prizes! Watch for email blasts and postings on WebFSA. It's easy and fun—just take it one

step at a time!

2000 = 1MILESTEPSIt may sound like a lot at first, but you’ll be

up to your goal in no time!

Page 27: Lw 2014 portfolio

rintP

Page 28: Lw 2014 portfolio

rintPMake Your 401(k) Rock

Tune in to your 401(k)

and start saving today

for your future.

Get in sync with Cablevision!

We’ll match 50% up to the first

6% of pre-tax pay you contribute.

Turn up the volume of your

contributions. The more money

you put away now, the bigger

your savings could be later.

Mix up your investments.

Experts say diversifying

is the way to go.

Questions? Log on to https://www2.benefitsweb.com/cable.html, link through Marquee, or call 1-800-353-401K (4015). It’s that easy.

George Kalinsky/MSG Photos

Cablevision is not responsible for the performance of the investment funds.

The sooner you join the Cablevision 401(k) Plan,

the sooner your earnings can grow tax-deferred

and build over time. Join today.Go to https://www2.benefitsweb.com/cable.html,

link through Marquee, or call the Cablevision CHOICE

Retirement Center at 1-800-353-401K (4015)

Just press play!

Cablevision is not responsible for the performance of the investment funds.

Did you know Cablevision matches 50 cents on every pre-tax dollar you contribute,

up to the first 6% of pay? Enroll in your 401(k) Plan today. You’ve

met the service requirement, so you’ll already be 100% vested in any Company

match you receive. Don’t miss a beat.

Rock on!You would grab the chance to make an extra 50 cents on the dollar—right?

So why are you leaving free money on the table?

Log on to https://www2.benefitsweb.com/cable.html, link through Marquee, or call

1-800-353-401K (4015). It’s that easy.Cablevision is not responsible for the performance of the investment funds.

Can’t contribute more than 1% or 2% to your 401(k)?

Even if you start small you could save big.

Tune in, start saving, and make your future rock!

make your401(k) Rock

Get in sync with Cablevision—we’ll match 50%

of your pre-tax contribution up to the first 6% of your pay.

That can mean another 3% toward your savings!

make your

401(k) Rock

Geo

rge

Kal

insk

y/M

SG P

ho

tos

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rintPThis newsletter is intended for internal use only.

Continued on page 2

It’s Time to Spring into Action!

It’s a brand new season—kick it off with a commitment to a healthier you. A great first step is to schedule an annual check-up with your

doctor. Your Rabobank medical coverage pays the full cost of your family’s annual physicals when you visit an in-network doctor. (You’re

only responsible for a $10 copay per exam, whether you’re covered by UHC or Anthem).

The more you know, the healthier you can become. So, make the most of your doctor’s office visit by discussing any health concerns

you might have. Ask about any tests, screenings or immunizations he/she would recommend for you and your family based on your

ages and other risk factors. By being proactive, you can receive the right preventive care at the right time. See pages 3 and 4 for a

convenient check list of questions provided by Anthem.

Are You Pregnant or Planning

to be Soon?

We care about you and your growing family. That’s why your

Rabobank medical coverage includes FREE access to either UHC’s

Healthy Pregnancy Program or Anthem’s 360˚ Health Future

Moms. Each program provides:

A toll-free number to call and discuss pregnancy-related

• concerns with experienced nurses anytime, 24/7

An assessment to determine your risk of a premature

• delivery

Customized educational materials about prenatal care

• and maternity

To enroll in –

UHC’s Healthy Pregnancy Program, visit

www.healthy-pregnancy.com or call 1-800-411-7984.

To enroll in –

Anthem’s Future Moms, visit the

“Pregnancy” section under MyHealth@anthem—or

click here—or call 1-800-769-4896.

Rabobank Has

Heart…and is

Heart Healthy!

Rabobank is participating

in the American Heart

Association’s (AHA) Wall Street

Run & Heart Walk on May 19.

The event, which includes

both a competitive run and

non-competitive walk, is

the AHA’s national walking

fundraising event, held in

more than 400 communities

nation-wide. To find out more

and to register, contact Heather

McElrath at 1-212-309-5181 or

[email protected].

It’s not too late to start walking and enter to win!

If you missed out on the April 8 kick-off of National Start!

Walking Day, you can still join in the national campaign to

improve your health by walking as part of your daily routine.

To encourage your progress, Rabobank created an easy-to-use

tracking sheet to help you add up your total miles walked.

That way, you can see how far you’ve gone—or, should

we say, how far you’ve come! Click here to access the

tracking sheet.

If you walk and track 150 miles by June 30, be sure to complete

and fax, email or interoffice your tracking form to Heather

McElrath by 6 p.m. PST on June 30. Then, you’ll be entered

into a drawing to win a $50 Sports Authority gift certificate.

So, get walking!

WellnessRabobank’s Employee Benefits Newsletter

April 2009

This newsletter is intended for internal use only.

How your Rabobank benefits measure upDid you know that recent benefit benchmark studies show that most employers nationwide pay 75% to 80% of their employees’ total healthcare premiums? This means most employees pay up

to 25% of the cost of coverage for their benefits! On the

other hand, Rabobank pays 100% of the cost of healthcare

coverage – including medical, prescription drug, dental and

vision benefits – for you and your family. And, you can do

your part to help control our healthcare costs by managing

your health, leading a healthier lifestyle and using your

benefits wisely.

Continued on page 2

Rabobank and You – Making 2009 a Healthier Year

Put your health and your family’s health at the top of your New Year’s resolutions list – resolve to get well, stay well and make 2009 your

healthiest year yet. Start by making wiser lifestyle decisions and smarter benefit choices. And, Rabobank provides you with the benefits,

tools and resources you need to follow through on this resolution! By investing in your family’s wellness, you can gain more happy

returns, like better health and fewer medical bills.

Prevention is the best medicinePreventing an illness is easier and more cost-effective than trying to

cure or manage an illness. So start the year off right – schedule your

family’s free or low cost medical, dental, and vision preventive exams,

along with your routine medical screenings, available through your

Rabobank healthcare plans. For more information about your

preventive care coverage, access your medical benefits at

www.myuhc.com (UHC participants) or www.bluecares.com (Anthem

participants), your dental benefits at www.deltadentalins.com and

your vision benefits at www.vsp.com.

Save with these smart tips for scriptsManaging your health doesn’t have to cost you a fortune. You can

reduce your out-of-pocket prescription drug expenses and save money.

Switch to generics and pay less.

Your generic drug copay

generally will be less than those for preferred brand name

drug equivalents, plus they’re equally effective. So, be sure

to ask your doctor or pharmacist if a generic form of your

current preferred brand prescription(s) is available and right

for you.Use the mail order program and get 3 for the price of 1!

Both

Medco (UHC participants) and WellPoint NextRx (Anthem

participants) offer a convenient way for you to save time

and money on prescriptions taken regularly, including oral

contraceptives or medication for chronic conditions, such as

asthma, high blood pressure and diabetes. A 90-day supply

through the mail order program costs the same or less

than just a 30-day supply at a retail pharmacy! To find

out how much you can save, visit www.myuhc.com or

www.bluecares.com. Find out what tier your prescription drug(s) is listed

• under on the 2009 UHC Prescription Drug Lists (PDLs).

If you are a UHC participant, it’s important to remember

that several medications changed coverage tiers based on

these new lists, which are posted on www.myuhc.com. If the

prescription(s) you take switched tiers, ask your doctor if a

lower cost generic medication or comparable brand name

on the list is right for you.

Call the NurseLine anytime you need medical guidanceNeed medical advice in the middle of the night? Having

an allergic reaction and don’t know what to do? Worried

about possible drug interactions? Whenever you need answers to your healthcare related questions

and concerns – whether it’s discussing your treatment options

or understanding more about a health condition – the Nurseline

is there for you, providing the advice and information you need

whenever you need it. This is a valuable, personalized service.

When you call, you can speak with a registered nurse who will help

you with just about any concern you may have, no matter how

small or complicated. It’s completely confidential and completely

free. Just call: the • UHC NurseLineSM at 1-888-315-7257 or the • Anthem 24/7 NurseLine at 1-800-977-0027.

WellnessRabobank’s Employee Benefits Newsletter

January 2009

Page 31: Lw 2014 portfolio

rintP

Page 32: Lw 2014 portfolio

rintPBreaking out of the Debt Cycle

You are not alone. Consumer debt is at an all time high. There are no quick fixes, but you can take some

simple steps to help end the debt cycle. Recognize the warning signs of too much debt and understand the

benefits and hazards of using credit. Don’t let debt destroy your financial dreams.

Start managing your debt today with some of these helpful tips:

8

Don’t Stop Here—Call or Log on Today!

Great Ways to Start Saving

• Increase your 401(k) contributions by half of your raise each year

• Put your saving on auto-pilot by setting up a link to have a certain savings amount

transferred every pay period

• Track your spending closely for a month, and chances are you’ll be able to find small

ways to save that can really add up over time3Healthy

Money Quick TIPS!

• Limit yourself to one or two major credit cards

• Avoid impulse buying

• If you can’t afford it, don’t buy it

• Use cash instead of credit cards

• Avoid cash advances—many cards charge a fee for each cash advance

• Avoid the “minimum payment trap.” Apply for a lower rate card and transfer the

balance to that card or call your credit card company and ask for a better deal.

You may be surprised at the result!

Avoiding Identity Theft

Protecting your identity is an important part of your financial security. Our online Life

Event Guides provide sound advice on how to prevent identity theft and steps to take if

you think your identity has been stolen. Know the indicators of identity theft and be

vigilant. Check your credit report annually (you can get a copy online for free), and check

your financial accounts for unauthorized activity, unexplained charges or withdrawals.

?

Retirement Tips to Remember...

• It’s never too early to start saving

for retirement!

• Plan accurately for your future and

don’t underestimate your future needs.

• Think long term. Don’t be discouraged

by short term investment loss.

• Review your retirement plan

periodically. Your needs may change

over time—review them regularly

and plan accordingly.

Do You Have Enough Insurance?

Depending on your circumstances, you may need as much as 8 to 10 times your annual

pay in life insurance. Insurance is one of the most overlooked areas of financial planning,

but it is an indispensable part of your plan to protect your family’s future. Your insurance

needs will vary over your lifetime. Find the right balance between your needs and available

resources—check out our online Insurance Planning Guide for a comprehensive look at your

options. Then, call a financial counselor if you want to learn more!

Page 33: Lw 2014 portfolio

rintP

1 PBG & You

p.2 p.3 p.3

In th

isis

sue 5 To-Dos for

EVERYPBG Employee

A RealHealthy Living Success Story

on the 2008Healthy Challenge!

At PBG, we believe that by working together, we can truly lead

healthier lives and build a stronger, healthier company.

This issue is dedicated to showing you how the smallest changes, made and kept one at a

time, can have a real impact on your physical and financial health. Inside you’ll find real tips

to help you make those first steps towards a healthier, more financially stable you.

BEN

EFITS

small steps to

You may be wondering why PBG spends the

time and money to offer you Healthy Living and HealthyMoney.

The great part is, it’s working. Real PBG employees around the country are exercising, getting involved in their

communities, and learning how to get financially fit—all with the help of Healthy Living and HealthyMoney.

SMALL STEPS TO...BIG BENEFITS!

Your One-Stop Wellness Shop May 2008

&

The Results are in…70% of PBG employees have completed a Wellness

Assessment so far this year. Remember, you need to take the Assessment to participate in

a Healthy Changes program and get your $100 Healthy Living MasterCard®! To get

started with a program, log on to pbg.online.staywell.com or call 1-800-784-9256.

The answer is SIMPLE

second year in a rowFor the second year in a row, PBG’s Healthy Living program has been

honored by the National Business Group on Health. The Best Employers for Healthy Lifestyles

highest-level Platinum Award recognizes PBG for its commitment to promoting a healthy

lifestyle for all employees. Congratulations and thanks to all Healthy Living participants!

A Healthy Changes program should be one of your very first steps!

Page 34: Lw 2014 portfolio

rintPWomen who gain more than 20 pounds after

age 18 double their risk of post-menopausal breast cancer.

The probability of developing invasive

breast cancerover a woman’s lifetime is 1 in 8.

About a third of women experience no chest pain

at all when having

a heart attack.

Lung cancer rates are declining

for men; for women, they are increasing.

Heart diseaseis the number one killer of women

in the United States.

Did you know?PBG

Page 35: Lw 2014 portfolio

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Page 36: Lw 2014 portfolio

rintP

Page 37: Lw 2014 portfolio

rintPStrategic Advice Comprehensive due diligence and early integration planning are key drivers to a successful transaction.

Determining the strengths, opportunities and challenges of a deal helps both parties understand where

to focus resources and how the transaction can be beneficial for all involved.

Determining the operational effectiveness of a proposed transaction through a strategic review can

provide valuable insight into how the organizations will work together. Aon Consulting’s experts evaluate

a number of areas, including distribution and channel compatibility, and product offerings.

Our consultative process and deep understanding of the employee/employer relationship give us a

unique perspective—one that drives business success. Readily accessible and easily bundled, our products

and services are integrated into your organization with no interruption to your day-to-day processes.

Whether you are in need of targeted strategies or comprehensive, end-to-end solutions, Aon Consulting

provides a rational, fact-based approach, leveraging similarities between companies, identifying duplicate

functions, and building economies of scale to maximize the value of your assets through enhanced

performance.

Economic Slow Down:

Creating Unique Opportunities

The abrupt economic slow down is profoundly impacting the pace of merger

and acquisition activity, creating increased opportunity for cash-rich firms

to target underperforming organizations for takeover. As such, the pressure

grows to perform extensive due diligence around traditional financial and

liability fundamentals. However, in the current market, acquirers should pay

equal attention to the human capital elements of a transaction, a critical—but

often overlooked—factor in a deal’s return on investment. Culture clashes and

misaligned talent retention strategies are only a few HR issues that often end up

on balance sheets as a huge write-off.

It is critical to develop a value-driven HR strategy that identifies and mitigates

waste to support a company’s financial goals. Aon Consulting’s corporate

transaction practice is uniquely qualified to leverage both human and financial

capital to maximize the value of each deal. Our small, select team is equally

adept at partnering with firms to realize business cost objectives and return

on investment by managing companies’ costs and enhancing operational

performance.

Financial Opportunities

in Mergers and Acquisitions

For more information,

please contact:

Mark Arian

Executive Vice President

Corporate Transactions

t: +1.212.441.2034

e: [email protected]

Barry Greenstein

Senior Vice President

Corporate Transactions

t: +1.212.441.2622

e: [email protected]

Page 38: Lw 2014 portfolio

rintPR E S T R U C T U R I N G A N D O N G O I N G O P E R AT I O N ST U R N A R O U N D A N D P E R F O R M A N C E I M P R O V E M E N T

A C Q U I S I T I O N S A N D I N T E G R AT I O N

DUE DILIGENCE PRODUCTS AND SERVICES

• Assess HR-related coststhat influence price, including employmentcontracts, compliancewith labor laws and

regulations, pensionrisks, assets, liabilities, financial and culturalimplications

• Perform Leadership Assessment to makedata-driven decisions on the best talent formission-critical jobs

• Design and execute specific M&A rewardprograms (e.g., changein control, severance, integration incentives,retention vehicles)

N O W I S T H E T I M E T O C O N S T R U C TAcquisitions and integration. Two poisons ran away. One extremely quixotic

Macintosh quickly tickled five elephants. Bourgeois tickets cleverly untangles five

irascible Klingons, because one dwarf laughed. Two mats telephoned umpteen

botulisms, and the almost obese wart hog marries subways, yet five chrysanthe-

mums extremely quickly towed Klingons, and umpteen aardvarks auctioned off

two lampstands. Five elephants telephoned Quark.

3. A C Q U I S I T I O N S A N D I N T E G R AT I O N

R E S T R U C T U R I N G A N D O N G O I N G O P E R AT I O N S

T U R N A R O U N D A N D P E R F O R M A N C E I M P R O V E M E N T

A C Q U I S I T I O N S A N D I N T E G R AT I O N

D U E D I L I G E N C E

The time isNow.A O N C O R P O R A T E T R A N S A C T I O N S

Page 39: Lw 2014 portfolio

rintPFrom the outside all companies look the same but when you take a

closer look you’ll see things are very different at Mars. We encourage

independent thought, collaboration, and an entrepreneurial spirit. The

status quo is not enough at Mars.

What we offer and what we expect may not be for everyone but it

may be for you.

DISCOVERWhat’s Different About Mars

Page 40: Lw 2014 portfolio

rintPFrom the outside all companies look the same. But when you take a closer look you’ll see

things are very different at Mars. We encourage independent thought, collaboration, and

an entrepreneurial spirit. Our principles guide the way we work every day. It’s a difference

worth discovering. Discover what’s different at www.mars.com/jobs

STARBUR

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very different at Mars.we encourage a

nd

independent thought,

From the outside all companies

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look the same. But when you take a

closer look you’ll see things are

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e encourage

independent thought, collaboration,

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spirit. Our principlesguide theway we work every day.

It’s a difference worth discovering.

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look the same. But when you take a

very different at Mars.

we encourage and

independent thought,

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MARSfromtheoutside

companies

lookcloser

look thesameButwhenyoutakea look the same. But when you take a

closer look you’ll see things arevery different at Mars. We encourage

independent thought, collaboration, and an entrepreneurial spirit. Our principlesguide the

way we work every day.

It’s a difference worth discovering.

From the outside all companies

look the same. But when you take a

very different at Mars.

we encourage and

independent thought,

What’s Different About Mars

From the outside all companies look the same. But when you take a closer look you’ll seethings are very different at Mars. We encourage independent thought, collaboration, and an entrepreneurial spirit. Our principles guide the way we work every day. It’s a differenceworth discovering. Discover what’s different at www.mars.com/jobs

DiscoverDISCOVER

From the outside all companies look the same. But

when you take a closer look you’ll see things are

very different at Mars. We encourage independent

thought, collaboration, and an entrepreneurial

spirit. Our principles guide the way we work every

day. It’s a difference worth discovering.

Discover what’s different at www.mars.com/jobs

What’s Different About Mars

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Freedom • Responsibility • Quality • Mutuality • Efficiency

Page 41: Lw 2014 portfolio

rintPFrom the outside all companies look the same. But when

you take a closer look you’ll see things are very different

at Mars. We encourage personal growth, collaboration,

and an entrepreneurial spirit. Our principles guide the way

we work every day. It’s a difference worth discovering.What’s Different About Mars

Discover

Discover what’s different at www.mars.com/careers

From the outside all companies look the same. But when you take a closer look you’ll see things

are very different at Mars. We encourage personal growth, collaboration, and an entrepreneurial

spirit. Our principles guide the way we work every day. It’s a difference worth discovering.

Discover what’s different at www.mars.com/careers

STARBURSTSNICKERS

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DISCOVERWhat’s Different About Mars

From the outside all companies look the same. But when you take a closer look you’llsee things are very different at Mars. We encourage personal growth, collaboration,and an entrepreneurial spirit. Our principles guide the way we work every day. It’s adifference worth discovering.

Discover what’s different at www.mars.com/careers

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From the outside all companies look the same. But when you take a closer look you’ll see

things are very different at Mars. We encourage independent thought, collaboration, and an

entrepreneurial spirit. Our principles guide the way we work every day. It’s a difference worth

discovering. Discover what’s different at www.mars.com/jobs

M A R SS TA R B U R S T

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Page 42: Lw 2014 portfolio

rintPDon’t let

Jon Corzine

and the

Toms River

Democrats

raise our

taxes.

Haven’t we had enough of higher taxes?

Vote NO to the Toms River Democrats.

Thanks to Jon Corzine, New Jersey’s taxes are

the highest in the country.

The policies of Jon Corzine and the Toms River

Democrats led to our revaluation and property

tax increases. Now they have plans to raise our

property taxes even more. They will bring bigger

government, out-of-control spending and higher

taxes to our town.

Don’t let the Toms River Democrats turn our town

into the other large towns controlled by Democrats

like Jersey City, Newark, Camden and Trenton.

We can’t afford to let Jon Corzine and the Toms

River Democrats raise our taxes.

Paid for by Maria Maruca, Brian Kubiel, Maurice Hill

and Greg McGuckin, and the Committee to Elect

George Wittmann; Carmen J. Memoli, Treasurer.

230 Main Street

Toms River, NJ 08753

PRSRT. STD.

U.S. Postage

PAID

Permit #240

Toms River, NJ

DON’T LET IT HAPPEN.Vote NO to the Toms River Democrats.

Jon Corzine and the Toms River Democrats have a plan:Turn Toms River into a big spending, big taxing, big government town.

Page 43: Lw 2014 portfolio

rintPAcross Michigan, people are feeling the burden of higher gas prices...

Tim Walberg’s No More Excuses Energy Plan

Paid for by Walberg for Congress

www.walbergforcongress.com

Tim Walberg’s No More Excuses Energy Plan will lower

energy prices for families and small businesses and create good-

paying, American jobs.

Tim’s bipartisan plan will increase our domestic energy exploration in an

environmentally safe way in the Gulf of Mexico, Outer-Continental shelf,

and ANWR. It will also increase our refinery capacity, allowing America

to produce more gasoline and lower the price.

Tim’s plan also calls for an increase in the use of solar, wind and other

renewable sources of energy, and encourages conservation. It’s a

comprehensive plan that can end our dependence on Middle East oil.

It’s time America solves its energy crisis — No more excuses.

• Immediately allow environmentally safe exploration in the Gulf of

Mexico, Outer-Continental Shelf, and ANWR

• Promote solar, wind and renewable alternative energies

• Build new refineries and nuclear energy plants

• Encourage conservation

Tim Walberg for Congress

Jamestown Associates6769 Teachout RoadTipton, MI 49278

www.walbergforcongress.com

Tim Walberg for Congress

PRSRT STDU.S. Postage

PAIDPrinceton, NJPermit No. 123

Michigan families can’t afford to wait

My No More Excuses Energy Plan will increase

American energy production and bring down costs at the pump.

Page 44: Lw 2014 portfolio

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Cengage Online BenefitsService Center

Page 45: Lw 2014 portfolio

nteractiveIHOME ENROLLMENT BENEFIT INFORMATION YOUR BENEFIT STATEMENT

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• Change Your Password • Life Events • Documents • Benefit Statement

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Reader, if you don’t already have it.

Get contact information on benefit

providers and health care providers.

Download benefit forms.

View information on marriage, birth,

retirement or other life events.

Don’t see what you’re looking for?

View the Site Map here.

HOME ENROLLMENT BENEFIT INFORMATION YOUR BENEFIT STATEMENT

Home Print Log off

Search

Site MapThe following is a map that outlines the different benefits and human resources-related topics under

each of the drop-down menus located along the top of the screen. This map will help you find the

information you’re looking for on this site.

Home Enrollment Benefit Information Your Benefit Statement

• Change Your Password • Life Events • Documents • Benefit Statement

• Hot Topic – SPDs

• Feedback – Forms

• Search • Information

• Site Map – Life Events

– Faqs

• Glossary

• Contacts

Quick LinksView your personal information here.

Change your password here.

You need Adobe Reader to view the

PDF file on this site. Download Adobe

Reader, if you don’t already have it.

Get contact information on benefit

providers and health care providers.

Download benefit forms.

View information on marriage, birth,

retirement or other life events.

Don’t see what you’re looking for?

View the Site Map here.

Page 46: Lw 2014 portfolio

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