I ntroduc tion

THE BEST ACCESSIBILITY TO CARE With almost 60% of eyewear dollars spent at optical retailers* - EyeMed’s network is built to meet this consumer demand by giving members access to thousands of independent providers as well as the nation’s leading optical retailers such as:

No one makes it easier to access network benefits or customer care. Through an automated claims process, state-of-the-art web tools and the longest agent-assisted call center hours in the indus-try—99 hours per week—we deliver the convenience your employees seek.

VISION WELLNESSBetter vision is what we’re all about! Our plans do more than save members money on eyewear - they encourage annual comprehensive eye exams that are crucial to overall health. An eye exam can detect medical conditions including hypertension, arteriosclerosis, glaucoma, macular degeneration and diabetes. Our vision expertise coupled with no-cost open enrollment and ongoing vision well-ness communication strategies will deliver a program that leads to an overall savings on long-term health care costs.

PROFESSIONAL PASSIONOur mission is To Serve and Inspire with Excellence. For more than 20 years, we’ve delivered the na-tion’s best vision care experience through innovative products and streamlined implementation and account service models. Our passion for customer service is evident in our internal Key Performance Indicators results. Through insightful plan experience reporting, access to vision industry trend infor-mation and Web-based plan management tools,only EyeMed provides a truly consultative solution for long-term satisfaction.

Vision care should be easy. That’s why EyeMed delivers the industry’s best coverage andbest experience at a great value.*Jobson, 2009

ECONOMIC VALUEAs a market leader in the industry, your company and your employees will not find a better value than withEyeMed. Our goal is simple — to improve quality of life through better vision care with Innovative benefits at agreat price! Our innovative products deliver competitive premiums, generous discounts, reduced member out-of-pocket and program support at no additional cost. We provide the best value without sacrificing quality.

With EyeMed

As your vision care partneryou’ll see

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EyeMed brings unparalleled expertise and passion to vision care and offers a unique approach to delivering vision wellness to members. Because we understand the value of a program that promotes workplace productivity and connects to your overall health care initiatives, we take a holistic approach to vision care through benefit solutions that provide service excellence at all touch points. We provide simple, yet comprehensive vision plans to more than 155 million members and are committed to providing you with the same world-class eye health and vision wellness in the near future.

Welcome to EyeMed Vision Care

With EyeMed

You’ll see the industry’sbest value EyeMed understands the need to save on health care and out-of-pocket costs. Therefore, we deliver flexible vision plan options at the most competitive rates that fit lifestyle and budget needs for even the most diverse employee populations. Here’s how we do it:

Custom Benefit Solutions We aren’t your average vision plan and recognize that your needs are unique. That’s why EyeMed offers plans with flexible co-payments and allowances for eye exams, frames, lenses and contact lenses. We support both self-insured and fully-insured fundingarrangements with no upfront costs.

Depending on your organization’s geographic location and budget needs, you can choose from one of four diverse network options. Available plan types include fully-funded, exam-only and materials-only plans. We offer the following options for each plan type:

Eye Exam:

• Paid-in-Full

• Optional Copays

Frames and Lenses:

• Paid-in-Full

• Optional Copays

• Member Discounts

Reduced Member Out-of-Pocket Costs Only EyeMed extends the most generous discounts to reduce member out-of-pocket costs. Your members will enjoy: • 20% savings on any frame cost above plan allowance • Fixed, discounted pricing for popular lens options • 40% off unlimited complete pairs of prescription eyeglasses after the initial benefit has been used • 20% off any item not covered by the plan • 15% off conventional contact lens cost above plan allowance • Replacement contact lenses at competitive prices through

Consistent Application of Benefits We make vision benefits easier to understand. All benefits are calculatedusing retail cost of services and materials with no confusing wholesalecalculations, making it easier to determine out-of-pocket costs upfront. Additionally, all providers are contracted to consistently applyplan benefits, including discount schedules. This ensures that nomatter which provider is chosen, benefits and discounts areapplied the same way nationwide.

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All EyeMed plans include additional discounts once the funded benefit has been used. Regardless of your vision benefit needs, EyeMed is the right solution for you.

EYEMED DELIVERS:

• Standard 4-year rate guarantees with competitive premiums

• Consistent application of benefits and discounts at all provider locations

• Flexible allowance/ copay options

• 40% discount off unlimited complete pairs of prescription eyeglasses

• Fixed, discounted pricing for popular lens options

• 20% off any item not covered by the plan

Because convenience and accessibility to care are so important to members, EyeMed provides four national network solutions to meet their unique needs. All networks include ophthalmologists, optometrists and opticians for a range of care options.

Spending at optical retailers comprises more than half of total optical spending.* All of our networks are designed to match these consumer preferences by providing ac-cess to thousands of independent providers and the nation’s leading optical retailers including:

Inclusion of optical retailers provides: • Extended evening and weekend hours for both exams and eyewear delivery

• Convenient locations inside or nearby major shopping centers

• Service without an appointment

• On-site labs in many locations for faster eyewear turnaround time

• Product guarantees designed for customer satisfaction (generally 30–90 days depending on retail chain)

*Jobson, 2009

Beyond network composition, your employees want convenient access to provider locations. No matter where you live, all of our networks provide exceptional access to care. Adequate mileage to a vision provider should be defined as one to two providers within 10 miles of urban/suburban employees, and one provider within 20 miles for rural employees.

EyeMed offers multiple network options to meet your specific needs. Contact your sales representative for further details.

TOTAL QUALITY OF CARENot only do we provide you with the optimal network composition, but we ensure that your employees receive the quality of care they deserve. An established group of ophthalmologists, optometrists and our medical director oversee our quality assurance program that monitors standards of care including credentialing and re-credentialing criteria. All professional providers on our network must complete credentialing upon joining the network and be re-credentialed at least every 36 months. All criteria are verified by an NCQA-certified Credentials Verification Organization (CVO).

Our quality assurance program is based on standards established by the American Academy of Ophthalmology in the Preferred Practice Patterns and the American Optometric Association in the Clinical Practice Guidelines.

With EyeMed

You’ll see a diverse network ofquality providers

EYEMED DELIVERS:

• Quality independent and retail providers to meet consumer demand

• Ophthalmologists, optometrists and opticians

• NCQA credentialing process for network providers

• DPA and TPA certified providers

• A free-to-choose lab model resulting in faster turnaround time

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A SERVICE MODEL DESIGNED WITH CLIENTS IN MINDOur dedicated customer care center associates and our Web site, www.eyemedvisioncare.com, provide exceptional service to our valued members and clients. EyeMed’s extended service hours, interactive phone system and easy-to-use Web capabilities help address important questions within seconds.

Hours of Live Operation: Monday through Saturday, 8:00 a.m. to 11:00 p.m. (EST)

Sunday, 11:00 a.m. to 8:00 p.m. (EST)

Members have access to more than 300 trained representatives that specialize in answering only EyeMed vision plan calls. Our extended hours of live operation also set us apart from our competitors. The chart below describes all available services:

With EyeMed

You’ll see convenient and knowledgeablecustomer care

EYEMED DELIVERS:

• The longest agent-assisted customer care hours in the industry—99 hours per week

• Open 7 days per week, 362 days a year

• 24-hour automated IVR and Web service

• Standard 25-second speed of answer and less than 2.5% call abandonment rate.

58% of employees without

vision care would be

interested in coverage, AND

more than 80% of employees

feel it’s important to have

vision care.

—The Vision Council, 2008

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Service

Multilingual Capabilities

Provider Locator

Plan Benefit Information

Next Eligible Date of Service

Out-of-Network Claim FormRequests (if applicable)

ID Card Requests

Laser Benefit Information

Laser Provider Locator

Claims and Claims Status

Educational Informationabout Vision

Member Grievance Resolution

Order Replacement ContactLenses

Update Member Records

Download Member Rosters

View Invoices (fully insured groups)

Review Plan ContactInformation

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3

3

3

3

3

3

3

3

3

CustomerCare Center

3

3

3

3

3

3

3

IVR

3

3

3

3

3

3

3

3

3

MemberWeb site

3

3

3

3

3

3

3

3

3

3

3

3

3

ClientWeb site

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IMPLEMENTATION SERVICESEyeMed’s proven transition process and implementation team are second to none. No one will work as closely with you to ensure a streamlined, successful implementation and enrollment process. You’ll be assignedan experienced implementation professional who will provide aconsultative approach to implementation discovery and will serve as your primary contact until the plan effective date. This results in an effortless transition to our program.

ACCOUNT SERVICE EXCELLENCEOnce successfully transitioned to our program, your account service contact will be your vision plan expert and is available as the day-to-day resource for all plan management activities, providing consultative service as follows:

• Plan Performance• Oversight of eye health and wellness initiatives • Utilization and plan reporting• Trend consultation and necessary changes to benefits• Resolution of eligibility file, billing or member issues• Acquisitions of additional companies or employee groups requiring system or structure changes

As part of our service commitment, we recognize that your total plan satisfaction rests inour hands. Your account service contact is passionate about your long-term plan success.

That’s why our approach to plan experience and trend reporting provides insight to possible program improvements, while illustrating the important utilization data needed tounderstand plan performance. Depending on your group size, a variety of detailed reporting will be provided on the plan’s year-end schedule and will be reviewed with you.

uncorrectedvision can decreaseemployee performance by as much as 20%

With EyeMed

You’ll see an experienced team ofvision experts

EYEMED DELIVERS:

• 99% client satisfaction

• Seamless, proven implementation process

• Flexible eligibility formats

• 97% claims processed in 5 business days

• Meaningful plan reporting and consultation, including usage trend analysis and member preference insight

Every year, vision disorders

account for more than

$8 billion in lost

productivity.

—Vision Council of America, 2009

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With EyeMed

You’ll see a focus onvision wellnessEYEMED DELIVERS:

• Vision Wellness programs to drive defined populations to receive eye exams

• No-cost open enrollment support and wellness communication tools

• No-cost member welcome kits, including ID cards for each employee and vision wellness information

EMV-401 EYEMED COMMUNICATIONS KIT _ ONE PAGE FLYER_TOPIC : Importance of Eye Exams8.5” x 11” plus 1/8” bleed all four sides7-30-08

EMV-401 EyeMed 2008 Communication Kit_PAYROLL STUFFER_TOPIC : Importance of Eye Exams6-1/2”W x 3-1/2“ H plus 1/8” bleed _ fits in payroll envelope7-30-08

We are passionate about improving the quality of life through better vision. This includes delivering comprehensive eye care while driving vision wellness education and awareness through:

No-Cost Education and Wellness ToolsEye exams are not just about visual acuity. Data from the American Optometric Associationand the Vision Council of America has proven that comprehensive eye exams help detectserious chronic health problems such as hypertension, arteriosclerosis, glaucoma, macular degeneration and diabetes.

Part of our promise as your vision partner includes educating members on the importantrole annual eye exams play in an overall health care program. our imple-mentationprofessional will partener with you to form a comprehensive communicatino strategy.

With EyeMed, you’ll receive: Open Enrollment and Health Fair Support At no additional cost, EyeMed provides vision experts to attend your meetings (depending upon group size) and will support you with a toll-free open enrollment line. We’ll alsodeliver custom-ized materials for your open enrollment mailings and for open enrollment meetings and health fairs. These materials not only outline plan benefits and contactinformation, but also increase awareness about the importance of yearly eye exams.

For those meetings not attended by EyeMed, an enrollment DVD that describes the vision program and provides instructions on accessing the benefit, will be provided.

Our standard communication materials include the following:

Announcement LetterThe announcement letter describes your benefits, educates your employees aboutvision wellness and introduces open enrollment, phone and Web support tools.

The following is a snapshot of materials supplied for events:

EyeMed Graphic Support MaterialsOPEN ENROLLMENT EVENTS

DISPLAY MATERIALSPUBLICATIONS RAY BAN RAFFLE HANDOUTS

PUBLICATIONS

PRE-EVENT POSTER TABLE TOPPER

PRE-EVENT POSTER TABLE TOPPER

BENEFIT ANNOUNCEMENT

LOCATION DIRECTORY EVENT PAMPHLET

RETRACTABLEFLOOR BANNER

DISPLAY MATERIALS

HEALTH FAIR EVENTS

Seeing clearly.There’s clearly a need for eye exams

Discover the facts aboutyour eyesight

BENEFITANNOUNCEMENT

LOCATIONDIRECTORY

EVENTPAMPHLET

ENTER TO WIN

RAFFLE BALLOT BOX

POST-IT PADS

BUSINESS CARD

NAME BADGE

MESSAGE MAGNET

PLASTIC BAGSRAFFLE BALLOTS

RAY BAN RAFFLE HANDOUTS

ENTER TO WIN

RAFFLE BALLOT BOX

POST-IT PADS

MESSAGE MAGNET

PLASTIC BAGSRAFFLE BALLOTS6 INFORMATIVE BUCKSLIPS / DISPLAYED IN ACRYLIC HOLDERRETRACTABLE

FLOOR BANNER

VisionCare forEveryone

VisionCare forEveryone

ENTERTOWIN

ENTERTOWIN

Name

BUSINESS CARD

NAME BADGE

Name

Wellness Communication The no-cost client communication kit provides seasonal vision wellness messaging tools such as newsletter articles, posters and paycheck inserts. We encourage you to use this kit throughout the year to establish a strong vision wellness message.

Member Welcome Kits withID Cards The membership brochure provides benefit information, including copay amounts, discounts and allowances, a listing of nearby providers based on employees’ zip codes, customer care contact information and ID cards. It also communicates the value of vision wellness and comprehensive eye care.

EMV-401 EyeMed 2008 Communication Kit_POSTER_TOPIC : Importance of Eye Exams17” x 22” size plus 1/8” bleed all four sides _ folds to 8-1/2 x 11 size to fit in folder7-30-08

OneSight® activities include:

• Cycle of Sight—provides free vision screenings to local school children

• Vision Vans—travel the country providing free eye exams and eyewear

• International Missions—offer eye exams and eyewear to the disadvantaged

• Sight Night—promotes collection of used eyewear during Halloween

• Eyewear Recycling Program—accepts donations of used eyewear to be refurbished for use on International Missions

• Fundraising Opportunities—includes Eye Run for Vision 5K, the Par for Sight golf event and the OneSight gala

With EyeMed

You’ll see focused dedication tocommunity service VISION FOR ALLOneSight® (formerly known as the Gift of Sight) is a Luxottica Group Foundation that provides clear vision to those in need. Established by LensCrafters in 1988, the Foundation was built on the principle that “sight isn’t a luxury, but the right of every human being.” We’ve now given the gift of sight to more than 7 million people through missions and programs across the globe. Thanks to voluntary work by thousands of our employees, providers,vendors and clients, OneSight provides free vision exams and distributes free eyewear to the disadvantaged inNorth America and abroad.

EyeMed encourages all of our clients, members and brokers to join our effort.

4000 Luxottica PlaceMason, Ohio 45040

888-4-EYEMEDeyemedvisioncare.com