Welcome to Colliers!

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2 Welcome to Colliers! YOU MUST TAKE ACTION Everyone will need to log in to ColliersBenefits.com to enroll or decline coverage in Colliers benefits by end of day November 20 th. We are pleased to announce, effective December 1 st, 2015, all Colliers Pointe Group Management employees are transitioning to the Colliers benefits platform. As you are aware, your current medical and dental coverage (administered through Florida Blue and Aetna, respectively) will remain unchanged. These plans are effective October 1 st, 2015 through September 30 th, Enjoy Enhanced Benefits Your new Colliers benefit program offers enhancements, such as: Additional Benefit Options. Colliers is pleased to offer new voluntary vision, Quit For Life, identity theft protection, and legal plan benefits. MEDICAL AND DENTAL PLANS REMAIN UNCHANGED Your current medical and dental coverage through Florida Blue and Aetna, respectively, will remain unchanged. Your current enrollment information and deductions will automatically transfer online and there will be no need for you to re-enroll when you log in to enroll for additional Colliers benefits. A New Concierge Service to Assist with Your Health Care Needs. Advocates from the Patient Care service will help you resolve claims and billing issues, appeal your claims, find an in-network doctor or hospital, and much more. This service is provided free of charge. Company-Provided Life and Accident Insurance Protection and Voluntary Coverage Available. Receive life and accident insurance coverage at two times your salary, up to a maximum of $300,000, free of charge. Supplemental voluntary life coverage is now available up to an additional $500,000 at an additional cost. Enhanced Company-Provided Short- and Long-Term Disability Protection. Employees will receive an enhanced, Company-paid short-term disability benefit, and long-term disability coverage that covers up to 60% of earnings in the event of an injury or illness. Continue Your Retirement Savings. In addition, your 401(k) plan will merge into the new Colliers International USA 401(k) Plan with Company match. The Company matches 50% of employee contributions up to an annual maximum of $3,000. New, User-Friendly Online Enrollment Platform Through ColliersBenefits.com. If you are on the Colliers network you will not need a username and password to enroll for Colliers benefits. What s Next? Go online to ColliersBenefits.com to enroll in the new Colliers benefits described above. Enrollment for your new Colliers benefits is November 10 th through 20 th,

3 Transfer of Your Tax-Advantaged Accounts You will have a new provider and will be receiving a new card in the mail (Benny Card) for all pretax accounts. Your current elections for tax-advantage accounts (Health Care Flexible Spending Account, Health Savings Account, and commuter account) will transfer to the new provider, The Taben Group. Important: If you are currently enrolled in an FSA, you will not be able to submit reimbursement for claims from your current provider, Flexible Benefit, between November 20 th and November 30 th, 2015, while the plan is being transferred to The Taben Group. If you enrolled in a Health Savings Account through HealthEquity you will have an opportunity to transition your account to TabenFlex. Colliers will pay any fees associated with closing and transferring unused funds into your new account. You will also have an opportunity to enroll in a commuter benefit account and use pretax dollars to pay for parking or transit expenses. 401(k) Transition The Pointe Group Management 401(k) Plan is being merged into the Colliers International USA 401(K) Plan, effective November 30 th HOW THE TRANSITION WILL AFFECT YOU If you are currently participating: All your balances will be transferred automatically, and your existing investments will be mapped to similar assets in Colliers International USA 401(k) Plan portfolio. Existing payroll deferral elections will be similarly transferred. No action is required on your part. Please note: Current beneficiary designations will not automatically transfer to your new 401(k) plan. Please fill out the beneficiary form in your packet and send to US.Benefits@colliers.com. Access to your 401(k) Plan: There will be a short blackout period as part of the transfer (beginning November 20 th and ending the week of December 7 th ). During this blackout period, you will temporarily be unable to make changes, increase your payroll contribution, initiate loans and distributions, or view your plan balance. Important: Contributions made this year, before moving to the Colliers platform, count toward the IRS limit, but are not automatically reflected in our payroll system. If you would like to make sure you do not over-contribute for the year, please reach out to US.Benefits@colliers.com. If you are currently not participating: You can enroll and make changes at any time: Colliers offers a discretionary 401(k) match. The Company matches 50% of employee contributions up to an annual maximum of $3,000. You are always 100% vested in your own contributions. Company contributions vest over time 33% after one year of service, 66% after two years of service, and 100% after three years of service. We will grandfather your years of service. The IRS limits employee contributions to $18,000 per year for those under the age of 50, and to $24,000 for those over the age of 50. Please make sure to attend an in-person Investment and Retirement Planning session on November 18 th. Free individual retirement planning sessions will also be offered. HOW TO ENROLL Ready to enroll? Here s what you need to do starting Tuesday, November 10 th : Visit ColliersBenefits.com and click Colliers Pointe Group Management Open Enrollment > Enroll Now. Update your dependents information including Social Security numbers and dates of birth for all family members you are enrolling. Update your beneficiary information for life insurance purposes. Confirm your current benefits and select your new benefits that will be effective December 1 st, 2015 September 30 st, You will need to click on each benefit one by one. If any documents are queued up by the system, please print, fill out and upload them back into the online enrollment tool, or them to US.Benefits@colliers.com. Your enrollment is complete when you are redirected back to the starting page and see a green Congratulations! note. HOW TO ENROLL IN A 401(k) Visit 401save.com after December 7 th, 2015 You will receive a PIN notice via mail the second week in December. To retrieve your login credentials please call the participant center at

4 Benefit Eligibility for New Hires You are eligible to enroll in Colliers benefits on the first day of the month coinciding with or immediately following your date of hire if you are a full-time employee regularly scheduled to work 30 hours or more per week. For employees who work variable hours, benefit eligibility will be based on average hours of service during a prior 12-month period. DEPENDENT ELIGIBILITY You may enroll your eligible dependents in the same plans you choose for yourself. Eligible dependents include your legal spouse, same- or opposite-sex domestic partner, and your children up to age 26 regardless of student or marital status. If enrolling a domestic partner through the online enrollment tool, you will be asked to complete a domestic partner affidavit. Your Total Benefits Package At Colliers, our employees are our biggest asset. That is why we strive to offer a comprehensive benefits package for you and your family. Medical Coverage Your current medical and dental coverage (through Florida Blue and Aetna, respectively) will remain unchanged. Your enrollment information and deductions will automatically transfer online, and there will be no need for you to re-enroll when you log in to enroll for additional Colliers benefits. Below is information about these plans. PPO 1,500 and HMO 2,000 Plans The PPO and HMO plans offer affordable health care for you and your family through a network of doctors, hospitals, and other providers. Both plans have an annual deductible; once you meet the deductible, you and the plan share costs through coinsurance. These plans are compatible with a Health Care Flexible Spending Account (HFSA), which you can use to pay for any out-of-pocket expenses such as deductible, copays, or coinsurance. For details on how to take advantage of the Health Care FSA to pay for your out-of-pocket health care expenses with pretax dollars, please see page 8. 4

5 HSP 2,500 Plan The HSP plan has two parts that work together to provide comprehensive coverage: a high-deductible medical plan, plus a tax-advantaged Health Savings Account (HSA). High-Deductible Medical Plan Health Savings + = Account (HSA) HSP 2,500 Plan The HSA feature gives you added flexibility and control when it comes to your health care spending. For details on how to take advantage of the HSA to pay for your out-of-pocket health care expenses with pretax dollars, please see page 7. How the HMO, PPO, and HSP Plans Compare HMO 2,000 Plan PPO 1,500 Plan HSP 2,500 Plan Per-paycheck premium contributions Doctors/other providers Preventive care, innetwork Non-preventive care, in-network Your contributions are higher Your contributions are slightly lower Your contributions are lower You can only see providers within the HMO Florida Blue network There is no cost to you or your family for preventive care as long as you use the HMO Florida Blue network You pay copays for in-network office visits and urgent care (deductible doesn t apply) You can see any provider, but you ll pay less when you use providers who participate in the Florida Blue network There is no cost to you or your family for preventive care as long as you use a provider within the plan s network You pay copays for in-network office visits and urgent care (deductible doesn t apply) At an in-network provider, you pay the discounted cost for care up to the deductible amount For most other medical services, you pay the cost of care up to the deductible, then you and the plan share costs through coinsurance If the amount you pay in medical copays, deductible, and coinsurance reaches the out-of-pocket maximum, the plan will pay 100% of your covered medical expenses for the rest of the calendar year For most other medical services, you pay the cost of care up to the deductible, then you and the plan share costs through coinsurance If the amount you pay in medical copays, deductible, and coinsurance reaches the out-of-pocket maximum, the plan will pay 100% of your covered medical expenses for the rest of the calendar year Once you meet the deductible, you and the plan share costs through coinsurance If the amount you pay in deductible and coinsurance reaches the out-ofpocket maximum, the plan will pay 100% of your covered medical expenses for the rest of the calendar year Out-of-network care Not covered Please note that in addition to higher deductibles and coinsurance, care received from out-of-network providers may be subject to balance billing from these providers as they do not accept the Blue Cross Blue Shield negotiated level of fees Prescription drugs Tax-preferred account to help pay for expenses You pay copays for prescriptions (deductible does not apply). Prescription copays apply to the out-of-pocket maximum You can make pretax contributions to a Health Care FSA to help pay for eligible expenses. For details, see page 8 You pay the discounted cost of prescriptions until you meet the deductible, then you and the plan share costs through coinsurance. Prescription drug costs apply to the out-of-pocket maximum, and certain maintenance medications are covered in full Employees contribute into an HSA through pretax contributions. This will help you pay for eligible health care expenses now or in the future. For details, see page 7 5

6 Dental Coverage IMPORTANCE OF ORAL HEALTH Your oral health impacts the rest of your body s health, and it can be a good indicator of your overall wellness. If your mouth is healthy, the rest of you is more likely to be healthy. So use your plan s covered benefits, including preventive dental services. Keep smiling! Your dental coverage (administered through Aetna) will remain unchanged. You will continue to have two options to choose from a DMO plan and a PPO. Both Plans offer regular preventive dental care (in full, no deductible or copay required) and the flexibility to choose any dentist when you receive care; however keep in mind that you will save the most when you see a participating dentist.) PPO Deductible $50/person $150/family Calendar year maximum $1,500 Preventive services 100% Basic services (e.g. fillings, basic oral surgery) Major services (e.g. crowns, root canals) Orthodontia Lifetime maximum 80% 50% $1,000 DMO LASIK DISCOUNTS AVAILABLE VSP offers a complimentary laser vision discount program that gives you an average of 15% off the regular price or 5% off the promotional price. Discounts are available from contracted facilities only. Office copay $5 Preventive services 100% Basic, Major & Orthodontia services Vision Coverage Copays vary based on services For a complete list of cost refer to the Aetna Dental Benefits Summary The vision coverage, provided by Vision Service Plan (VSP), provides a benefit for exams and materials on a plan-year basis. You have the freedom to see any vision provider you choose, but the plan generally pays more when you receive care from doctors who participate in the VSP network. No ID card is required just let your provider know that you have VSP coverage. Looking for a VSP provider? Visit or call VSP Provider Copay each plan year $10 $10 Eye exam (once every 12 months) Frames (once every 24 months) Lenses (once every 12 months) Contact lenses (once every 12 months; in lieu of frames/lenses) $0 Up to $50 $130 allowance Up to $70 Non-VSP Provider $0 Single: up to $50 Bifocal: up to $75 Trifocal: up to $100 $130 allowance Up to a $60 copay for the contact lens fitting and evaluation exam Up to $105 6

7 Health Savings Account (HSA) If you participate in the HSP medical plan, you have an opportunity to use a Health Savings Account (HSA) to pay for your out-of-pocket medical expenses on a pretax basis. The HSA is administered by TabenFlex. Below are some basics on how the HSA works: START IT After you enroll in an HSP plan, an HSA will be automatically set up on your behalf. However, you must make sure you are eligible to participate based on Internal Revenue Service (IRS) guidelines. You can elect the amount you would like to contribute for the year, and this will be deducted from your paycheck on a pretax basis. BUILD IT Contributions are made on a pretax basis. There are annual limits on total contributions (see chart below). You can change or stop your contributions at any time. You can also make post-tax contributions directly to your HSA through personal checks. USE IT You can use the money in your HSA to pay for qualified health care expenses for you and your qualified tax dependents. You will receive an HSA debit card to pay for qualified expenses. Withdrawals from your HSA for qualified medical expenses are tax-free. You don t need to provide receipts for reimbursement, but you should save them for tax purposes. GROW IT Unused money in your account rolls over year to year. Your account can earn interest and grow over time. Once you ve built up the balance in your HSA, you can invest it in the available options. (A minimum balance of $2,000 must remain in the HSA after you invest.) Any interest and other investment earnings are yours to keep. KEEP IT You always own the money in your HSA. You can take the account with you if you leave Colliers or change to a different medical plan. GET A TRIPLE TAX ADVANTAGE! 1. Contributions to the HSA are tax-free. 2. Interest earnings on account growth are tax-free. 3. Funds withdrawn from the HSA for qualified medical expenses are tax-free. HSA ELIGIBITY You and your family members must meet all IRS requirements to be eligible to open and contribute to an HSA. For a list of all of the IRS requirements, visit IRS.gov and view Publication 969. QUALIFIED MEDICAL EXPENSES You can use your HSA for expenses that would generally qualify for the medical, dental, vision, and hearing expenses income tax deduction: HSA Contribution Limits The table below shows the HSA contribution limits for the 2015 calendar year. In 2016 the family limit will increase to $6,750. Coverage Level Total IRS Limit Employee only $3,350 Employee + 1 or more $6,650 Will you be age 55 or older in 2015? You can contribute up to $1,000 more to your HSA, above IRS limits. Deductibles Office visits Prescription drugs Hospital stays and lab work Speech/occupational/ physical therapies Dental Vision Hearing aids 7

8 FSA GRACE PERIOD You may continue to incur expenses toward your FSA two and a half months after the Colliers plan year ends on September 30 th, 2016, i.e. until December 15 th, You will have until December 30 th, 2016, to submit claims. If you are currently enrolled in an FSA through Flexible Benefit, you will have until November 20 th, 2015, to incur expenses against the FSA plan. On December 1 st, 2015, your current election will transition automatically to TabenFlex and you will receive Debit Cards the 2 nd week of December. After December 1 st, 2015, please make sure to submit all expenses to TabenFlex. FSA BLACKOUT PERIOD The transition to TabenFlex the new HSA, FSA and Commuter plan administrator will be taking place between November 20 th and November 30 th, This means that: You will not be able to submit expenses online during this time this is when your balances will be transferred to TabenFlex But don t worry, you are still covered and can submit a manual claim to TabenFlex Flexible Spending Accounts FSAs are a great way to save pretax dollars when you need to pay health care and dependent day care expenses. The HMO and PPO medical plan options work with a Health Care FSA. You can have a Dependent Day Care FSA regardless of what medical plan you ve selected. Colliers offers two FSAs through TabenFlex: The Health Care FSA The Dependent Day Care FSA When you participate in an FSA, you decide how much you want to contribute each plan year. The money you contribute is then taken from your pay before taxes are taken out this lowers your taxable income, which means lower taxes for you! If you have funds remaining in either of your FSA accounts after all of your claims have been submitted or the submission period has ended, the IRS use it or lose it rule states that you will forfeit that money. In light of this rule, make sure you estimate your expenses conservatively and only include expenses that you know will occur during the plan year. You will have until December 30 th, 2016, to submit claims. Health Care FSA You can contribute up to a maximum of $2,550 to your Health Care FSA for the plan year. You can use the money in the account to cover many expenses that aren t covered by your medical plan, including: Copays, deductibles, and coinsurance Prescription drugs Over-the-counter medications prescribed by a physician Vision care not covered by your plan, including contact lens solution and LASIK surgery. If you have questions on what is an eligible expense, please contact TabenFlex at Dependent Day Care FSA You can also contribute up to a maximum of $5,000 (or up to $2,500 if you re married but file taxes separately) for the plan year. This FSA can be used to cover expenses for the care of an eligible dependent (a child or a dependent adult), such as nursery or day care costs, so you and your spouse (if you re married) can work. Review FSA tools and resources online at taben.com where you ll find the list of eligible expenses and can access your account. 8

9 Disability Insurance Colliers helps you protect your income and lifestyle with two types of Company-provided income replacement coverage: short-term disability (STD) and long-term disability (LTD). Both plans are offered through Liberty Mutual and work together to replace a portion of your income if you can t work due to injury or illness, including surgery or pregnancy. Plan Benefit Coverage Period Short-Term Disability (STD) (for non-work related injuries only) Long-Term Disability (LTD) Pays 60% of your pre-disability earnings, up to $2,000 per week Pays 60% of your pre-disability earnings, up to $12,000 per month Up to 13 weeks (after a 0-day injury and 7-day sickness waiting period) Duration of coverage determined by age at time of disability (after you ve been disabled for more than 90 days) Please reach out to your manager and US.Benefits@colliers.com to coordinate your disability leave, if at all possible, ahead of time. Life Insurance and Accidental Death & Dismemberment Insurance Colliers provides all eligible employees with life insurance and accidental death & dismemberment (AD&D) insurance. Employee life insurance pays a benefit in the event of your death, while AD&D insurance provides an additional benefit to you or your beneficiaries in the event of certain accidental losses or death. In addition, you may choose to purchase an additional level of supplemental life insurance. Plan Benefit Life and AD&D Equal to two times your annual earnings, up to $300,000 Supplemental Life Insurance (for yourself and your eligible dependents) Employee $10,000 increments, up to $500,000 If you apply for coverage within 30 days of becoming eligible, you are guaranteed the first $200,000 in coverage without a health screening requirement Legal Spouse/Domestic Partner $5,000 increments, up to $500,000 or 100% of your total amount of life insurance If you apply for spouse coverage within 30 days of becoming eligible, the first $25,000 in spousal coverage is guaranteed without a health screening requirement Child(ren) Live birth to 6 months: $100 6 months to age 26: The lesser of 50% of the employee amount, to a maximum of $10,000 in $2,000 benefit units Your life insurance benefit amount will be reduced from the original amount of coverage once you reach age 70. 9

10 Additional Benefits Program Patient Care Commuter Transit Quit For Life Tobacco Cessation Program Employee Assistance Program (EAP) Benefit Navigating your medical care can be difficult. Get free help with: Resolving claims, billing issues, and filing claims appeals Clarifying the total and out-of-pocket costs for services Finding a doctor or hospital, coordinating referrals, and arranging prior authorization Resolving coordination of insurance and Medicare issues. Contact Patient Care at colliers@patientcare4u.com. The pretax commuter account allows you to use before-tax dollars to pay parking and commuter costs. You can set aside up to $250 per month for parking costs or up to a maximum of $130 per month for mass transit or van pooling costs via a payroll deduction. Our provider for this benefit is TabenFlex. Review what expenses qualify and access your account online at taben.com. The purchase will be deducted from your paycheck with pretax deductions (and post-tax deductions if your order exceeds the IRS pretax limit) Use your TabenFlex Benny Card to pay for transit expenses, and the amount is automatically deducted from your commuter benefit account no need to file claims You can start, stop or change your deduction at any time All employees and their eligible adult dependents can get help to quit using tobacco products, including: Free nicotine replacement therapy Recommendations on medication, if appropriate Printed Quit Guide mailed to your home Unlimited toll-free access to a Quit Coach Access to Web Coach, an online community in which you can get tracking tools, e-coaching, reminders, and community support from others in the program. Call 866.QUIT.4.LIFE ( ) or go to to enroll in a tobacco cessation counseling program. Sometimes, life can take an unexpected turn. Let Colliers help with the EAP, provided through MyLibertyAssist. The EAP is available at no cost to you, 24/7. Licensed counselors are standing by. The program offers three face-to-face counseling visits, legal advice, financial consultation, dependent care referrals, other community referrals, and written information. Get support today: call or visit bensingerdupont.com/mla (User ID & password: mlassist). 10

11 Legal Plan Identity Theft Protection This voluntary program offers employees and their families access to legal and financial professionals at discounted fees. If you enroll in the legal plan, you are responsible for the full cost of this benefit. For more information, please refer to your employee folder, Colliers HUB, or log in to the enrollment tool on ColliersBenefits.com to see the costs. Offered through InfoArmor, identity thief protection detects fraud at the source, when thieves first use your information to apply for accounts, to catch misuse and alert you sooner. In addition to actively monitoring and protecting your identity, this service includes: Free credit report every year, monthly credit scores, and continuous credit monitoring Digital identity analysis to show your exposure online Reduction in unwanted solicitations Real time fraud alerts $25,000 identity theft insurance policy to protect against the financial damages associated with identity theft such as legal expenses and lost wages Trained Privacy Advocates to manage your identity theft case from start to finish and provide step-by-step assistance if needed. For more information, please refer to your employee folder, Colliers HUB, or log in to the enrollment tool on ColliersBenefits.com to see the costs. 11

12 Contacts Colliers Health Help Line (for help resolving claim issues and explanation of how the plans work) Colliers Benefits Team (for general questions about benefits described in this booklet) If you have any questions after you enroll, or questions specific to your health condition, please reach out to the benefit plan providers directly: Medical and Rx Florida Blue Floridablue.com or call the number on the back of your ID card Dental Aetna Aetna.com or call the number on the back of your ID card Vision VSP Plan VSP.com Tax-preferred Accounts: HSA, FSA, and Commuter TabenFlex Taben.com Download the TabenFlex Mobile App for your Android or iphone and log in using the same password you use to access the Taben Group consumer portal. 401(k) Account Life and AD&D, STD and LTD LibertyMutual.com Claim/Leave Requests: Legal Plan Consolidated Legal Services CLCLegalPlans.com Identity Theft Protection InfoArmor InfoArmor.com Quit For Life Tobacco Cessation QuitNow.net 866.QUIT.4.LIFE ( ) Employee Assistance Program bensingerdupont.com/mla (User ID & password: mlassist)