December 1, 2011December 1, 2011

Summit Consolidated Group

2012 Benefits Renewal

Summit Consolidated Group Summit Consolidated Group BenefitsBenefits

Our company’s benefit plans are available to all eligible employees under Summit Consolidated Group including Summit Financial Group, ResourceOne Administrators, etc.

SCG

ROASFG

COBRA MCOSUMCOSUMMIT1st

Benefits UpdateBenefits UpdateCommitment to Employee BenefitsCommitment to Employee Benefits

Business has continued to be challenging

We recognize our associates dedication during this time

Despite challenges, continuing to offer a comprehensive benefits package remains a top priority.

Benefits RenewalBenefits RenewalSummit Employee Benefits SpectrumSummit Employee Benefits Spectrum

WELLNESSWELLNESS

EAPEAP

401(k)401(k)

PREPAIDPREPAIDLEGALLEGAL

FLEXFLEX

VOL.VOL.LIFELIFE

VOL.VOL.CANCERCANCER

LTDLTD

STDSTD

LIFE/LIFE/AD&DAD&D

VISIONVISION

DENTALDENTAL

MEDICALMEDICAL

BENEFITSBENEFITS

The HighlightsThe Highlights

Medical plans are renewing as is with BlueCross BlueShieldNo increase in the medical deductions!

Dental benefits are being enhanced and we are also changing carriers to MetLifeNo increase in the dental deductions!

Life, STD and LTD are also moving to MetLife

Vision benefits are staying the same Decrease in the vision rates! Open enrollment is now.

Benefits RenewalBenefits Renewal Medical

Medical insurance renewing with BlueCross BlueShield

We performed a complete evaluation of alternate carriers and plans.

BCBS continues to provide the most affordable, comprehensive coverage and network of providers to our associates in all locations.

We are offering the same two PPO options, a base and a buy up.

Employees desiring a higher level of coverage with lower out-of-pocket exposure can buy up to the BlueOptions plan. If you would like to change plans, you need to do so now.

Medical Plan OptionsMedical Plan OptionsPlan

BlueOptimize BlueOptions

Base Plan Buy Up Plan

Deductible $1,000 $1,500

Family Deductible $3,000 $4,500

Individual Out-of-Pocket Maximum (deductible included)

$7,000- $11,000 $3,500- $6,500

Coinsurance In OKCoinsurance Outside OK

70%/60%/50% - 50% Out70%/ 50%

80%/70%/60% - 50% Out80%/ 50%

Prescriptions:

Generic 30% with $12 minimum

Preferred Brand $25 copay

Non-Preferred Brand 30% with $25 minimum

Some prescriptions may require pre-certification.

Copays and additional deductibles do not count towards satisfying your OOP Max. Most benefits are reduced when received by a non-network provider. Out-of-network out of pocket costs are unlimited due to balance billing.

Office Visit Copay

BlueOptimize $1000 BlueOptions $1500

$30Radiology is subject to

the Ded. & Coins.

$20Some radiology is

covered under the copay

Surgeries, therapies and certain diagnostic procedures may be subject to the Ded. & Coins.

Ded. & Coins. waived for children’s visits, preventive care, and 1st 6 visits for adults

Preventive CareCovered at 100% in-network and Copay +

70% coinsurance out-of-network

Includes but is not limited to routine physicals, PSA test, Pap Smear, Bone Density & Colonoscopy.

Outpatient Surgery Deductible and Coinsurance

Outpatient Hospitalization

$200 deductible then Ded. & Coins.

Inpatient Hospitalization

$500 ded. then D & C $750 ded. then D & C

Emergency Care $100 deductible then Ded. & Coins.

Deductible is waived if admitted.

Occupational or Physical Therapy/ Chiropractic

D & C with 15 annual visit max following

deductible

D & C with 25 annual visit max following

deductible

International TravelInternational Travel

BlueCross provides international medical coverage through BlueCard Worldwide

Includes office visits, hospitalization, emergency care, etc.

Although you can search for in-network providers online at www.bcbs.com under “Locate health care providers outside the US”, they recommend that you coordinate any medical treatment you need by calling their Worldwide Service Center at 1-800-810-BLUE (2583) or collect at 1-804-673-1177, particularly for inpatient and emergency care.

You will likely be responsible for your deductible, copays and coinsurance up front and then can file the claim for reimbursement if the provider does not file directly with BlueCross.

Travel assistance is also provided by MetLife for 24/7 coverage for travel, insurance, medical and financial assistance when you are 100 miles away from home.

Benefits UpdateBenefits UpdateHealth Care Reform Provisions Reminder Eff. Health Care Reform Provisions Reminder Eff.

1/1/111/1/11Pre-existing conditions: Plans cannot exclude coverage for pre-existing conditions of children under 19 years old

Dependent Coverage for Young Adults:Employers must provide dependent coverage to young adults until age 26. This includes married dependents but not grandchildren.

No Cost Sharing on Preventive Services:Requires health plans to provide a minimum of coverage without cost sharing for preventative services, immunizations recommended by the CDC, and preventive screenings for infants, children, adolescents and women. Preventive services covered are those classified into either the A or B category of services, but will be dependent upon age and type of condition.

Lifetime Limits:No lifetime dollar limits may be placed on coverage

Emergency Services do not require prior authorization out-of-network and must be paid at the in-network coinsurance level. Balance billing out-of-network still applies.

Over-the-counter Drugs Exclusion:

Over-the-counter drugs not prescribed by a doctor are excluded from being reimbursed through a Flexible Spending Account (FSA) after 12/31/10.

Plan Rescission:

Plans cannot rescind coverage when an individual files a claim unless there is fraud or misrepresentation of material facts.

HSA Tax Increase:

Increases the tax on non-qualified distributions from an HSA from 10% to 20%.

Life

Vision

Decrease

Benefits UpdateBenefits UpdateHealth Care Reform Provisions Reminder Eff. Health Care Reform Provisions Reminder Eff.

1/1/111/1/11

Benefits UpdateBenefits UpdateNoticesNotices

Notices regarding the following provisions and any other notices that become published will be located at www.yoursummit.com/benefits

• Dependent Coverage to Age 26

• Pre-existing Condition Exclusions, Lifetime and Annual Limits, Rescissions, and Patient Protections

• Interim Final Rules on Internal Claims and Appeals and External Review

Process

• Recommended Preventive Services and Complete List of USPSTF Grade A and B Recommendations

• Lifetime Limits model Notice and Enrollment Opportunity

• Break Time for Nursing Mothers

• CHIPRA

• Medicare D

Medical Payroll DeductionsMedical Payroll Deductions

PLAN EE ES EC FF

CURRENT/ RENEWAL$1000 BASE $51.50

$136.91

$107.27 $175.01

CURRENT/ RENEWAL $1500 BUY UP $65.95

$166.71

$130.92 $213.96

Benefits Renewal Benefits Renewal Medical

Other benefits and considerations: When you are referred to other physicians, labs and facilities make sure they are in-network.Request that all providers you see at hospitals are in-network, particularly anesthesiologists. Follow up on pre-treatment verifications to make sure they’ve been authorized before having surgery, etc. Don’t assume your doctor took care of it.Utilize BCBS Online Tools and Other Resources

Look up providersView claimsView wellness resourcesSign up for newsletters and notices

Tips for EmployeesTips for Employees

Assess Your Needs

Review your expenses and treatment this year.

Compare whether your expenses were primarily copays or

if they included deductible and coinsurance charges.

Determine what treatment do you and your family expect

next year?

Tips for EmployeesTips for Employees

Take Advantage of Cost Savings Opportunities

Evaluate other coverage options you and your dependents

have available.

Take advantage of our FSA plan which allows you to pay for health care

expenses on a pre-tax basis. You may want to select less costly medical

plan options while using the FSA to offset out-of-pocket costs.

Take advantage of medical and dental preventative services to prevent more

serious and costly treatment.

Benefits RenewalBenefits Renewal DentalDental

Changing from Delta Dental to MetLife High plan utilization resulted in a renewal increase with

Delta Plan change was necessary to minimize costs Increasing the benefits Keeping: $50 deductible, $2000 annual plan maximum,

$1500 ortho. max.

National network of 150,000 dentists. Locate them at www.metlife.com under Find a Dentist- Dental PPO

More dental services are covered- reducing your out-of-pocket costs

Including: additional cleanings, x-rays, anesthesia, endodontics, periodontics, and night guards, etc.

DentalDental

In-network Out-of-network*Class 1 (Preventative): 100% 100% Class 2 (Basic): 90% 80% Class 3 (Major): 60% 50%Class 4 (Orthodontia): 60% 50%

Texas & Louisiana residents will have the same coinsurance for out-of-network services as in-network, but may still be subject to balance billing. Refer to the benefit summary online specific to TX & LA.

A vision discount plan is also provided by MetLife through EyeMed Vision Care

All waiting periods for services are waived at this initial enrollment with MetLife. There may be a wait on benefits if you choose to enroll at a later time and are not coming from another dental plan.

If you use out-of-network providers, you can be balance billed for charges above the Reasonable &

Customary charges in that area.

Dental Payroll DeductionsDental Payroll Deductions

DENTAL PLAN EE ES EC FF

CURRENT/ RENEWAL $4.60 $16.96 $23.07 $40.40

Benefits RenewalBenefits RenewalVisionVision

The Vision insurance with VSP is renewing January instead of April.

Exam: $10/ Glasses (or Contacts): $25 & discounts on additional services

Frequency: Exam and Lenses every 12 months/Frames every 24 months

Submit enrollment changes now

New Rates Eff. 1/1/2012 with 10% decrease:

PAYROLL DEDUCTIONS EE ES EC FF

CURRENT $5.29 $8.45 $8.63$13.91

RENEWAL $4.77 $7.62 $7.78$12.55

Benefits RenewalBenefits RenewalAncillaryAncillary

Group Life/AD&D, STD & LTD changing to MetLifeProvided by SummitNo change in benefitsLife: $50,000 (w/ age reduction starting at age 70)AD&D: pays an additional benefit if you die as the result of an

accident or become dismembered

STD: 60% of weekly salary to $1000 weekly maximum with a 0 day elimination period for accidents and 7 days for illness

LTD*: 60% of monthly salary to a $6,000 monthly benefit maximum with a 90 day elimination period

* Some associates may be eligible for an enhanced LTD benefit

Benefits RenewalBenefits RenewalFlex PlanFlex Plan

Set aside on a pre-tax basis up to $5000 in anticipated and qualified health expenses and $5000 in dependent care costs through your flex plan on an annual basis.

This is changing to $2500 in 2013, so if you have something expensive you would like to have done, such as LASIK, you may want to plan that for 2012.

As a reminder, effective 1/1/11, over-the counter drugs were no longer reimbursable under your flex without a prescription. So do not expect to use those this year for unused money in your flex.

Benefits RenewalBenefits RenewalFlex PlanFlex Plan

You and your dependents do not need to be enrolled in Summit’s benefits to be reimbursed for qualified expenses under our FSA. However, you cannot claim the same expenses that are reimbursed through another plan, such as a spouse’s flex or HSA account.

Dependent care expenses will be reimbursed once you have accumulated the money in your account to cover that expense/ claim for reimbursement.

You have until March 31st of the following calendar year to turn in your receipts for qualified expenses incurred between January 1st through December 31st. Money accumulated in your account but not reimbursed in time will be forfeited.

Make sure you incur your expenses for 2011 by 12/31/11!

Benefits RenewalBenefits RenewalFlex Plan Flex Plan (continued)(continued)

Advantages:

The “Unreimbursed Medical” acts like an interest free loan. You can incur and be reimbursed for the expenses in January, for example, but only make small payments throughout the year through payroll deductions to cover that expense.

Your payroll deducted flex elections and insurance premiums are deducted pre-tax to save you money. Be advised that you cannot make plan changes throughout the year unless you have a qualifying event. If you would prefer to not have your deductions taken out pre-tax please let me know.

Expenses you pay out in prescriptions, copays, deductibles, coinsurance etc. on your medical, dental, and vision plans are qualified expenses to be reimbursed through your flex.

Benefits RenewalBenefits RenewalWorksite Products Worksite Products

TRANSAMERICA LIFE INSURANCE COMPANYTransLegacy Universal Life Insurance

Conditional Guarantee Issue up to $75,000 at initial enrollment.

Portable when you leave employment

Includes Accidental Death and Dismemberment, Waiver of premium layoff rider & Terminal Illness Rider

Coverage available for employee, spouse (CGI $25,000), children & grandchildren

Benefits RenewalBenefits RenewalWorksite Products Worksite Products (continued)(continued)

PRUDENTIALVoluntary Group Term Life/AD&D

Guarantee Issue up to $100,000 (medical approval required after initial eligibility)Current enrollees can increase life amount up to $40,000 without medical approval, whether you are currently under or over the GI amount.

Maximum Coverage Available – Lesser of 5X Earnings or $500,000 Age Reduction Schedule – 35% @ age 65; 50% @ age 70 Spouse Guarantee Issue up to $20,000 Child(ren) – Up to $10,000 Policy terminates at retirement Portability is available

ALLSTATE FINANCIALCancer and Specified Disease Coverage

Benefits RenewalBenefits RenewalWorksite Products Worksite Products (continued)(continued)

Pays directly to you unless you assign the benefitPortable (Can be continued if no longer employed)20 specified diseases covered in addition to cancerHospital Confinement – Pays up to $400 for each of the first 70

days of each period of confinement

Radiation, Radio-active isotopes, chemotherapy and immunotherapy – pays up to $20,000 each 12 months

Blood, plasma and platelets – Pays up to $20,000 each 12 monthsPays up to $100 per calendar year for each insured to have cancer

screening tests such as a mammography, pap smear, PSA and CA125

Pays up to $5,000 upon Initial Diagnosis

Benefits RenewalBenefits RenewalWorksite Products Worksite Products (continued)(continued)

Semi-monthly cost:

Base Plan Enhanced Plan Premier Plan

Individual$ 10.48 $ 13.74 $ 17.88Family $ 17.31 $ 23.15 $

30.72

ALLSTATE FINANCIAL (continued)

Cancer and Specified Disease Coverage

Benefits RenewalBenefits RenewalPrepaid LegalPrepaid Legal

Legal consultation and adviceWrite letters and make calls on your behalfReviews contracts and documents for youWill preparation service with annual review, plus Living Will and Power of Attorney preparationMajor an Minor Motor Vehicle legal servicesTrial defense services, start at 60 hours and increase with each renewalIRS Audit Legal ServicesLegal Shield card provided to use in immediate situationsCost is $15.95 per month for the entire family for the standard plan

Provides the following services:

Benefits RenewalBenefits RenewalEmployee Assistance ProgramsEmployee Assistance Programs

An Employee Assistance Program provides counseling for common issues such as:

Depression and Stress ManagementMarital ConflictsParenting, Child Care and Elder Care ConcernsEmotional Problems and CrisisFinancial and Legal ConcernsAlcohol and Drug-Related Addictions

All employees have access to the EAP through MetLife. Tulsa area employees also have access to our initial EAP service through Community Care.

Advantages:Improved health through counselingContact to the EAP is anonymousCounselors are available 24/7 via phone and internet, and you can schedule appointments for one on one counseling sessions. Situations that require further treatment will be referred to an outside counselor.

Benefits RenewalBenefits RenewalWellnessWellness

In addition to addressing stress-related and emotional concerns through the EAP, you can further manage your health and help prevent medical conditions through the numerous wellness tools provided to you by:

BlueCross BlueShield website: www.bcbsok.com Register for BlueAccess

MetLife website: https://mybenefits.metlife.com Register for My Benefits

Summit Financial GroupSummit Financial Group401(k) Plan Summary401(k) Plan Summary

Summit Financial GroupSummit Financial Group401(k) Plan Summary401(k) Plan Summary

PARTICIPANT ELGIBILITY: Minimum Age: 21, Waiting Period: 6 consecutive month period. Those eligible but not in the plan will be automatically enrolled at 3% of pay unless you opt out or select a different percentage.

Contributions will be increased 1% per year to a cap of 6%.

PLAN ENTRY DATES: January 1, April 1, July 1, Oct. 1 (after meeting eligibility requirements)

DISCRETIONARY MATCH: Summit has a discretionary match, historically 25% on the dollar up to 4%. A discretionary profit sharing contribution may be made.

VESTING:* All Company contributions subject to the following schedule: Years of Service Ownership Percentage 0-1 0%

*All accounts are fully vested at 2 20%Normal Retirement Age 65. 3 40%

4 60% 5 80% 6 100%

DISTRIBUTIONS: Funds are available upon retirement, death, disability, or termination of employment. In-service withdrawals are allowed at age 59 ½ Loans are allowed under the plan.

Benefits RenewalBenefits Renewal For More 401(k) InformationFor More 401(k) Information

Those of you that are becoming eligible for the 401(k) soon will receive notification from Brian Wolf about when the enrollment meeting will be held.

If you would like additional information about the 401(k), would like to make a change to your current 401(k) or need a salary deferral form, please contact Brian at ext. 403.

You can also contact Standard directly for information about your current 401(k) at: http://retirement.standard.com or call INFOLINE at 800-858-5420

Benefits RenewalBenefits Renewal RemindersReminders

Pre-x:Your medical plans have a pre-existing condition clause in which they will not cover pre-existing conditions for 12 months. However, this can be eliminated or reduced if you can provide a Certificate of Coverage showing that you have had 12 months of continuous coverage prior to becoming eligible under our plan.

Enrollment Changes/ Pre-x:All enrollment changes must be made during the month of December. Otherwise you can only make a change during the year if you have a qualifying event. Change requests must be received prior to 30 days following the event. This includes marriage, birth, adoption, death, proof of loss of other coverage, open enrollment under spouse, etc. Please see me prior to making any election change

Benefits RenewalBenefits RenewalInformation NeededInformation Needed

Required Forms:Comprehensive Benefits Election FormDental, Life, STD & LTD Application (Do not complete the hospitalization questions.)

Flex election form (whether enrolling or declining)

Optional Forms: Medical application- for enrollment changes only (Do not

complete section 10.)

Vision application- for enrollment changes only• Voluntary/ Worksite coverage forms

• Forms will be available by Friday morning at www.yoursummit.com/benefits and are due Tuesday, Dec. 6th.

Questions will be addressed at this time. Those that are only relative to an individual should be addressed to shannon@yoursummit.com

after the call.

Thank you

Benefits RenewalBenefits RenewalQuestions & AnswersQuestions & Answers

9/80 Program Reminders9/80 Program Reminders

• Although we are pleased to be able to offer a more flexible work schedule, please keep the following in mind so the program is not abused.

• You should be working during your scheduled working hours. Coming in early and working late is not intended for visiting, taking breaks or working on personal matters.

• Although it’s not our intent to have associates work on their day off, you need to make sure your work is taken care of before taking off or leaving early that Friday.

• As a reminder, scheduling a vacation day for the Friday you are not off is not allowed and will only be approved in special circumstances.

• The program is a privilege and continues to be evaluated. If it is abused, the abuser can be removed from the program, or the program eliminated all together so please adhere to all policies.

2012 Holiday Calendar2012 Holiday Calendar

New Years Day Monday, January 2ndPresident’s Day Monday, February 20thGood Friday Friday, April 6thMemorial Day Monday, May 28thIndependence Day Wednesday, July 4thLabor Day Monday, September 3rdThanksgiving Thurs. & Fri., Nov. 22nd & 23rdChristmas Mon. & Tues., Dec. 24th & 25th