Railroad Retirement and Mutual of Omaha fall short of giving you complete income protection.

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1 BENEFIT HIGHLIGHT ILLUSTRATION Norfolk Southern BLET Division 335 Group Plan Benefits Life, AD&D, STD, LTD Railroad Retirement and Mutual of Omaha fall short of giving you complete income protection. This plan helps protect you and your family from loss of income due to: Injury Illness Death Dismemberment Open Enrollment ends on 1/27/2014 Coverage begins on 2/01/2014 This presentation is not a contract or policy of insurance. It contains general information and intended to explain some of the major features of the coverage provided by the group policy and certificate. The specific terms of your group policy and certificate will govern any claim for benefits you may make. Visit for specific information regarding RRB disability benefits.

2 Group Voluntary Life Insurance and Accidental Death &Dismemberment (AD&D) The Hartford Life and AD&D Benefits Guaranteed Issue amounts up to $200,000 Member can elect limits of $10,000 to $500,000 Includes equal amount of AD&D (Double Indemnity) No pre-existing condition limitations Premium is banded in five year increments Can add spouse and children to policy Spouse is guaranteed issue $30,000 Spouse can apply for up to 50% of what member elects Children are guaranteed issue $15,000 (per child)

3 Short Term Disability Option A Payout Example 90K Understanding Your Current benefits Member Earning $90,000 per year ($1,730 per Week) Week 1 Week 2 Week 3-13 Current Benefits (RRB + Mutual of Omaha) $0.00 $300 $300 + $350 = $650 (total) The Hartford (60% of weekly) non-taxable $1,038 $1,038 $1,038 Combined Total Payment $1,038 $1,338 $1, week working income = $22,490 ($1,730 per week) Current Maximum 13 week income if off on disability = $7,450 (RRB+M-Omaha) 13 week income if participating in the Hartford plan = $20,944 (non-taxable) The Hartford STD Benefits Pays 60% of income Per Week No Waiting Period for Injury. Starts Paying on DAY 1 for injury Starts Paying DAY 8 for sickness Pays for 13 weeks No pre-existing condition limitations No offsets until 100% of pre-disability earnings are attained *The Hartford covers you on and off of the job (24hr Coverage)

4 Short Term Disability Option B Payout Example 90K Understanding Your Current benefits Member Earning $90,000 per year ($1,730 per Week) Week 1 Week 2 Week 3-13 Current Benefits (RRB + Mutual of Omaha) $0.00 $300 $300 + $350 = $650 (total) The Hartford (60% of weekly) non-taxable $520 $520 $520 Combined Total Payment $520 $820 $1, week working income = $22,490 ($1,730 per week) Current Maximum 13 week income if off on disability = $7,450 (RRB+M-Omaha) 13 week income if participating in the Hartford plan = $14,210 (non-taxable) The Hartford STD Benefits Pays a Flat $520 per week No Waiting Period for Injury. Starts Paying on DAY 1 for injury Starts Paying DAY 8 for sickness Pays for 13 weeks No pre-existing condition limitations No offsets until 100% of pre-disability earnings are attained *The Hartford covers you on and off of the job (24hr Coverage)

5 Long Term Disability Option A (60% of monthly income) Payout Example 95K Member Earning $90,000 per year ($7, monthly income) Example 1 Example 2 Example 3 Railroad Retirement Board (Occupational Long Term Disability) $0.00* $1, $3, The Hartford (non-taxable)** $4, $2, $1, Combined Total Payment (60% of Monthly Income) $4, $4, $4, *RRB requires 240 months of service to qualify for Occupational Long Term Disability benefits. ** All members are eligible for the Hartford regardless of service years. The Hartford LTD Benefits Option A Pays 60% of Monthly Earnings Per Month 90 Day Waiting Period (STD lasts 91 days) Benefits continue while you meet the definition of disability and cannot work or until nominal age of retirement set by Social Security. Age 66 for persons born between 1942 and 1960 Age 67 for persons born after 1960 Benefit is offset (reduced) by RRB & Contract Benefits (M-Omaha) Pre-existing conditions are covered after 12 months This benefit is recommended for members with less than 30 years of service. IMPORTANT: By contacting the RRB you can find out what your current Occupational Disability Annuity or Full Disability Annuity amount would be. Call RRB at (877) *The Hartford covers you on and off of the job (24hr Coverage)

6 Long Term Disability Option B (Flat $2,500 per month) Payout Example 95K Member Earning $90,000 per year ($7, monthly income) Example 1 Example 2 Example 3 Railroad Retirement Board (Occupational Long Term Disability) $0.00* $1, $3, The Hartford (non-taxable) $2, $2, $2, Combined Total Payment $2, $4, $5, *RRB requires 240 months of service to qualify for Occupational Long Term Disability benefits. ** All members are eligible for the Hartford regardless of service years. The Hartford LTD Benefits Option B Pays a Flat $2,500 Per Month for 2 Years 90 Day Waiting Period (STD lasts 91 days) Benefits will not pay past nominal age of retirement. Age 66 for persons born between 1942 and 1960 Age 67 for persons born after 1960 Benefit is not offset Pre-existing conditions are covered after 12 months This benefit is recommended for members with more than 30 years of service. IMPORTANT: By contacting the RRB you can find out what your current Occupational Disability Annuity or Full Disability Annuity amount would be. Call RRB at (877) *The Hartford covers you on and off of the job (24hr Coverage)

7 Eligibility Requirements Are you eligible? All working members of the union are eligible Trainmen are eligible to participate regardless of Engineer status Must be working when the policy goes into effect New members get their own 30 day open enrollment Covered on the 31 st day Non working members who are out because of injury, illness or loss of job status (discipline, furlough, etc.) are covered the day they go back to work, if they enroll during open enrollment. Non working members who do not enroll during open enrollment are treated as new members when they return to work. Need help? Call Chris Colton at Cornerstone Assurance Group Phone: Fax:

8 NS BLET Division 335 Insurance Options and Rates Short Term Disability Option A - 60% of Income Long Term Disability Option A - 60% of Income Income Monthly Premium Weekly Benefit Income Monthly Premium Monthly Benefit $75,000 $58.41 $ $75,000 $31.25 $3, $76,000 $59.19 $ $76,000 $31.67 $3, $77,000 $59.97 $ $77,000 $32.08 $3, $78,000 $60.75 $ $78,000 $32.50 $3, $79,000 $61.53 $ $79,000 $32.92 $3, $80,000 $62.31 $ $80,000 $33.33 $4, $81,000 $63.09 $ $81,000 $33.75 $4, $82,000 $63.87 $ $82,000 $34.17 $4, $83,000 $64.64 $ $83,000 $34.58 $4, $84,000 $65.42 $ $84,000 $35.00 $4, $85,000 $66.20 $ $85,000 $35.42 $4, $86,000 $66.98 $ $86,000 $35.83 $4, $87,000 $67.76 $1, $87,000 $36.25 $4, $88,000 $68.54 $1, $88,000 $36.67 $4, $89,000 $69.32 $1, $89,000 $37.08 $4, $90,000 $70.10 $1, $90,000 $37.50 $4, $91,000 $70.88 $1, $91,000 $37.92 $4, $92,000 $71.65 $1, $92,000 $38.33 $4, $93,000 $72.43 $1, $93,000 $38.75 $4, $94,000 $73.21 $1, $94,000 $39.17 $4, $95,000 $73.99 $1, $95,000 $39.58 $4, $96,000 $74.77 $1, $96,000 $40.00 $4, $97,000 $75.55 $1, $97,000 $40.42 $4, $98,000 $76.33 $1, $98,000 $40.83 $4, $99,000 $77.11 $1, $99,000 $41.25 $4, $100,000 $77.88 $1, $100,000 $41.67 $5, $101,000 $78.66 $1, $101,000 $42.08 $5, $102,000 $79.44 $1, $102,000 $42.50 $5, $103,000 $80.22 $1, $103,000 $42.92 $5, $104,000 $81.00 $1, $104,000 $43.33 $5, $105,000 $81.78 $1, $105,000 $43.75 $5, $106,000 $82.56 $1, $106,000 $44.17 $5, $107,000 $83.34 $1, $107,000 $44.58 $5, $108,000 $84.12 $1, $108,000 $45.00 $5, $109,000 $84.89 $1, $109,000 $45.42 $5, $110,000 $85.67 $1, $110,000 $45.83 $5, $111,000 $86.45 $1, $111,000 $46.25 $5, $112,000 $87.23 $1, $112,000 $46.67 $5, $113,000 $88.01 $1, $113,000 $47.08 $5, $114,000 $88.79 $1, $114,000 $47.50 $5, $115,000 $89.57 $1, $115,000 $47.92 $5, $116,000 $90.35 $1, $116,000 $48.33 $5, $117,000 $91.13 $1, $117,000 $48.75 $5, $118,000 $91.90 $1, $118,000 $49.17 $5, $119,000 $92.68 $1, $119,000 $49.58 $5, $120,000 $93.46 $1, $120,000 $50.00 $6, Short Term Disability Option B - Flat $520 Long Term Disability Option B - Flat $2,500 for 2 years Income Monthly Premium Weekly Benefit Income Monthly Premium Monthly Benefit Any Income $33.80 $ Any Income $25.00 $2,500.00

9 Member and Spouse Life Insurance and AD&D Monthly Cost Chart Elect in increments of $10,000 up to $500,000 (spouse is eligible for 50% of whatever the member elects) Includes an equal amount of AD&D (double indemnity if death is caused in an accident) Member is guaranteed approved up to $200,000 and Spouse is guaranteed approved up to $30,000 ***IMPORTANT***Spouse rates are determined at the members age - **NO Pre-Existing Condition Limitations!** RATE Monthly Premiums Coverage Under $10, $0.90 $0.90 $0.90 $1.30 $1.90 $2.90 $4.80 $7.70 $10.30 $30, $2.70 $2.70 $2.70 $3.90 $5.70 $8.70 $14.40 $23.10 $30.90 $50, $4.50 $4.50 $4.50 $6.50 $9.50 $14.50 $24.00 $38.50 $51.50 $100, $9.00 $9.00 $9.00 $13.00 $19.00 $29.00 $48.00 $77.00 $ $150, $13.50 $13.50 $13.50 $19.50 $28.50 $43.50 $72.00 $ $ $200, $18.00 $18.00 $18.00 $26.00 $38.00 $58.00 $96.00 $ $ $250, $22.50 $22.50 $22.50 $32.50 $47.50 $72.50 $ $ $ $300, $27.00 $27.00 $27.00 $39.00 $57.00 $87.00 $ $ $ $350, $31.50 $31.50 $31.50 $45.50 $66.50 $ $ $ $ $400, $36.00 $36.00 $36.00 $52.00 $76.00 $ $ $ $ $450, $40.50 $40.50 $40.50 $58.50 $85.50 $ $ $ $ $500, $45.00 $45.00 $45.00 $65.00 $95.00 $ $ $ $ If death is due to an accident life insurance coverage pays double Children Life Insurance and AD&D Covers ALL your dependent children for Life and AD&D coverage Coverage is for your dependent children between the ages of 15 days and 19 years (25 if a full time student) Coverage Monthly Premium $15,000 $1.65