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The Company currently offers a medical plan to all eligible employees through a self-insured plan. A person is eligible for coverage after the completion of a waiting period of 90 consecutive days as a full-time employee. The effective date of coverage is the first day of the month following the 90-day waiting period. An employee is considered to be full-time if he or she maintains an average of thirty (30) or more hours per week and is on the regular payroll of the employer for that work. In addition, seasonal/temporary employees are excluded from the Plan.

Under the medical plan, most procedures are covered at 80% after satisfying a $500 deductible when using a network provider. If your family doctor, pediatrician, or gynecologist is a network provider, wellness visits are covered at 100% with no deductible applied up to a $500 maximum benefit level.

This insurance is elective.

Employees are subject to the same eligibility and effective date provisions as described in the Group Insurance section. Under this plan, the employee pays $10 for generic drugs, $30 for preferred brand drugs, and $50 for non-preferred brand drugs. Employees are responsible for 20% of the cost of specialty drugs.

A mail order program is also available for maintenance type prescriptions. The price for a 90-day supply using the mail order program is $25 for generic drugs, $75 for preferred brand drugs, and $125 for non-preferred brand drugs. Employees are responsible for 20% of the cost of specialty drugs.

This insurance is elective.

The Company provides life insurance to all eligible employees beginning at the $7,500 level and increasing to $20,000 for managers. This coverage also provides AD&D insurance equal to the amounts noted above. Employees are subject to the same eligibility and effective date provisions as described in the Group Insurance section.

The Company currently offers optional life insurance to all eligible employees. This coverage also provides AD&D insurance equal to the optional life insurance amount elected. Any employee electing coverage has the option to purchase dependent coverage. Employees are subject to the same eligibility and effective date provisions as described in the Group Insurance section.

This insurance is elective.

The Company currently offers dental insurance to all eligible employees. Employees are subject to the same eligibility and effective date provisions as described in the Group Insurance section. Preventive coverage is payable at 100% without a deductible, basic coverage is payable at 80%, and major services are covered at 50%. There is a $25 per year deductible for all basic and major services.

This insurance is elective.

The Company currently offers short-term/long-term disability insurance to all eligible employees. Employees are subject to the same eligibility and effective date provisions as described in the Group Insurance section. The Company pays one-half (½) of the premiums for this coverage. The employee’s portion of this premium will be payroll deducted. There is a thirty (30) day waiting period for benefits under the short-term disability plan for an approved claim. There is a ninety (90) day waiting period for benefits paid under the long-term disability plan for an approved claim. Benefits for short-term disability are calculated at 60% of pre-disability earnings with a weekly maximum benefit of $500. Benefits for long-term disability are calculated at 60% of your pre-disability earnings with a maximum monthly benefit of $5,000.

This insurance is elective.

An employee must be 18 years old and have worked 1,000 hours during a year of service to be eligible for the Company Profit Sharing Plan. An account is maintained for each participant, and allocations are made to the account annually. Subject to certain limitations, each participant shares in the Company’s contribution to the Plan, gains or losses on investments, and any forfeiture for that year. Effective January 1, 2007, active employees will be vested after three (3) years of service. A year of service for vesting purposes is a plan year in which the employee has completed at least 1,000 hours of service.

An employee must be 18 years old and have worked 1,000 hours during a year of service to be eligible for the 401(k) Plan. An account is maintained for each participant and you may contribute from 1% to 75% of your gross pay and the Company will match monthly the amount of your contribution dollar-for-dollar up to 3% of your gross pay. The Company will match 50% of the next 2% of your gross pay. You are entitled to your contribution when you terminate employment; however, the vesting method for the Company’s contribution is determined at the end of each calendar year for the following year.