Version A. 2016 New Hire Benefits Enrollment Guide

Version A 2016 New Hire Benefits Enrollment Guide

2 2016 New Hire Enrollment Guide 2016 New Hire Enrollment Guide 3 Cargill provides you a comprehensive and competitive benefits package designed to help meet your needs. Take time to review the information carefully, and refer to the list of contacts on page 14 if you have questions. You must enroll within 30 calendar days from the first day you have access to the MyBenefits website. If you do not enroll, you will receive default coverage in basic life insurance, long-term disability and salary continuation benefits, but you will not have coverage in medical, dental, vision or other benefits. WHAT S INSIDE Know your options Be sure you know the plans available to you and consider your options. Choosing the right benefits and using them effectively and efficiently will save you money and help you have a happier, healthier life. YOUR MEDICAL PLAN OPTIONS Whether you re young or an empty-nester, it s important to have coverage that helps keep you at your personal best with access to 100 percent coverage for in-network preventive care and helps cover the cost of health care services if, or when, you need them. HRA plan HSA plan Primary plan Contributions Highest Medium Lowest Deductible Lowest Medium Highest Network coverage In- and out-of-network coverage available In- and out-of-network coverage available In-network coverage ONLY* Account Carry forward * Except for emergency services. Cargill funds an account you can use to pay for eligible medical expenses (including meeting your deductible) You can carry the balance forward every year you re enrolled in the plan; if you leave Cargill or do not enroll in Cargill HRA coverage, you forfeit any remaining amount in your account Cargill funds an account you can use to pay for eligible health care expenses (medical, prescription drugs, dental and vision); you can make pre-tax contributions to the account as well Your account carries forward every year and you keep the account regardless of whether you leave Cargill or enroll in other Cargill coverage N/A N/A 3 Know your options 6 Make the most of Cargill s resources 8 Important dependent/spouse coverage reminders 9 Other Cargill benefit options 14 Who to contact 16 Enroll in your benefits! IS AN HSA YOUR PATH TO A MORE SECURE RETIREMENT? Did you know an HSA can help you reach your retirement savings goals? Sure, you can use it now to pay for eligible health care expenses tax free, but you can also save your contributions (including Cargill contributions) and roll them over from year to year until you accumulate a significant balance to use for medical expenses in retirement. And remember, you take your HSA with you if you leave Cargill. Not only does money go into your account tax free, but you never pay taxes on it or the earnings, as long as you use it for IRS-eligible medical expenses. DOMESTIC PARTNER BENEFITS CHANGE BEGINNING IN 2017 When the U.S. Supreme Court required states to permit same-gender marriage beginning June 2015, many companies, including Cargill, revisited their decision to provide benefit coverage for domestic partners. Due to this Supreme Court ruling, as of Jan. 1, 2017, domestic partners (and domestic partner s children) will no longer be eligible for Cargill health and welfare benefits. We are announcing this change well in advance to give those affected employees time to consider their coverage options.

4 2016 New Hire Enrollment Guide 2016 New Hire Enrollment Guide 5 Here s a closer look at how your 2016 medical plan options compare. 2016 MEDICAL PLAN OPTIONS In-network benefits Tier HRA plan HSA plan Primary plan 1 Monthly contribution Highest employee contribution Medium employee contribution Lowest employee contribution (see rates on page 5) Deductible 1 $1,200 $1,800 $2,500 Amount you pay before the plan pays 2, 3 coinsurance or 4 $1,800 $2,700 $3,700 5 or 6 $2,400 $3,600 $5,000 Note: The HRA and HSA deductibles are offset by Cargill s contribution to your account (see below) Cargill s contribution to your account Pays for a portion of your deductible The HSA contribution amounts reflect annual contributions; the actual amount you receive is made on a prorated, perpay-period basis Coinsurance Percent the plan pays after your deductible (in network) Preventive care (in network) 1 $500 $750 2, 3 or 4 $750 $1,100 5 or 6 $1,000 $1,500 ALL ALL Plan pays 80% You pay 20% Plan pays 80% You pay 20% Plan pays 100% $0 (no account) Plan pays 70% You pay 30% Teladoc ALL $40 per consultation, which applies toward your deductible and out-of-pocket maximum Emergency room ALL $150 copay (waived if admitted to the hospital) Out-of-pocket maximum 1 $3,500 $3,800 $6,000 The most you will pay in a year for 2, 3 $6,850 per individual eligible, in-network expenses including $5,200 $5,700 or 4 $9,000 family your coinsurance, deductible and any prescription copays 5 or 6 Once you reach your out-of-pocket maximum, you pay 0% and Cargill pays 100% (in network) $6,850 per individual $7,000 family Prescription drug coverage ALL You pay 25% after deductible with the following limits: Retail (31-day supply) ALL Generic: $10 min/$25 max copay Preferred brand: $25 min/$75 max copay Non-preferred brand: $75 min/$150 max copay Mail order (90-day supply) ALL Generic: $20 min/$50 max copay Preferred brand: $50 min/$150 max copay Non-preferred brand: $150 min/$300 max Specialty (30-day supply) Note: If you are currently purchasing drugs through the Accredo program, your drugs will now fall under this Specialty tier Out-of-network coverage 3 ALL ALL Generic: $75 min/$125 max copay Brand formulary: $100 min/$125 max copay Brand non-formulary: $100 min/$125 max copay Plan pays 60% You pay 40% $6,850 per individual $7,600 family You pay 20% after deductible (certain approved maintenance drugs are not subject to the deductible) 2 Plan pays 60% You pay 40% $6,850 per individual $12,000 family You pay 30% after deductible Plan covers maintenance drugs only if received through mail order In-network coverage only (except for emergency room services) THE HRA AND HSA MEDICAL PLANS AT A GLANCE A Health Reimbursement Account (HRA) and Health Savings Account (HSA) both provide financial support to help you pay for health care expenses, including your annual deductible (the amount of medical costs you must pay before the plan starts paying a portion of costs) and coinsurance (medical expenses shared between you and Cargill). Here s how they work to cover medical expenses. (This example shows in-network coverage only.) You can use your HRA or HSA 1 money to help pay for eligible expenses In-network preventive care u Deductible u Coinsurance u Out-of-pocket maximum 1 Any amounts you pay with dollars from your account will count toward meeting your deductible. u Plan pays 100% of covered charges. (Call Patient Care at 1-877-344-7474 if you have questions on preventive coverage.) You pay 100% of eligible expenses (nonpreventive care) until you reach the deductible. After you meet the deductible, you and Cargill share expenses through coinsurance. Once your eligible expenses reach the out-ofpocket maximum, the plan pays 100% of eligible expenses for the remainder of the year. MONTHLY MEDICAL EMPLOYEE CONTRIBUTIONS* STANDARD RATES Rate Tier HRA plan HSA plan Primary plan 1 Employee only $159 $138 $93 2 Employee and spouse $312 $254 $201 3 Employee with 1 or 2 children $245 $198 $143 4 Employee with 3 or more children $276 $221 $171 5 Family with 1 or 2 children $381 $304 $221 6 Family with 3 or more children $411 $342 $276 NET COST AFTER ALL WELLNESS INCENTIVES ARE EARNED* Rate Tier HRA plan HSA plan Primary plan 1 Employee only $84 $63 $18 2 Employee and spouse $212 $154 $101 3 Employee with 1 or 2 children $170 $123 $68 4 Employee with 3 or more children $201 $146 $96 5 Family with 1 or 2 children $281 $204 $121 6 Family with 3 or more children $311 $242 $176 * This table demonstrates your effective rate assuming you earn the full incentive for the year. The effective rate is determined by dividing the total available incentive by 12 and subtracting that amount from the monthly rate. Note that the wellness incentive is a taxable payment made quarterly. The effective rates do not take into account the tax impact of the incentive payments. The amount you can earn is prorated based on your hire date. 1 Differences in covered benefits for the Primary plan include, but are not limited to: in-network coverage only, no infertility coverage, and Blue Distinction Centers must be used to obtain coverage for certain procedures. Review your Summary Plan Description or contact Patient Care at 1-877-344-7474. 2 Certain approved drugs are not subject to the deductible. A complete list of these drugs can be found on the Cargill Connects HR Center. 3 Out-of-network coverage also has higher deductibles and out-of-pocket maximums.

6 2016 New Hire Enrollment Guide 2016 New Hire Enrollment Guide 7 Make the most of Cargill s resources Cargill provides a range of resources to help you reduce your health care costs either by earning an incentive or identifying ways to save on health care services. There are also resources available to help you manage the demands of work and home. When you re a savvy consumer who reviews all health care and work/life resources, you can help reduce the overall cost of coverage, reduce stress and lead a happier, healthier life. EARN INCENTIVES FOR TAKING HEALTHY ACTIONS Cargill s wellness program offers information and resources to help you understand your risks and take action to help you become your personal best. We ve worked hard to make earning your incentives in the plan as easy as possible. You can earn up to $900 and your spouse can earn up to $300 if you participate in certain wellness activities throughout the year 1. To earn those incentives for 2016, here s what you need to do: Certify your tobacco-free status during your enrollment. Complete the Compass health assessment online at myredbrick.com/cargill or by calling RedBrick Health at 1-866-322-1719. You must complete this step to qualify for further incentives, so employees are encouraged to complete it as soon as possible. Achieve healthy biometric results or complete 60 points worth of RedBrick Healthy Activities each quarter. Go to myredbrick.com/cargill for complete details. 1 Please note: The amount you can earn is prorated based on your hire date. SAVE MONEY AND TIME WITH TELADOC Teladoc is an effective alternative to an office, urgent care or emergency room visit, connecting you with a board-certified, licensed doctor at any time. You either call or log in (where available 2 ) to request a consultation, and you ll be connected with a physician who is licensed in your state, usually within 20 minutes. These doctors can diagnose and prescribe medications, when appropriate, for non-emergency issues like ear/sinus infections, allergies, colds and flu, urinary tract infections and more. The $40 fee per consultation applies toward your deductible and out-of-pocket maximum that s less than the cost of a visit to the emergency room, urgent care or physician s office. And, no driving or sitting in waiting rooms with sick patients even better! 2 Teladoc is not available in Arkansas, and Teladoc s video consultations are not available in Texas. Video consultations are required in Idaho. GET YOUR QUESTIONS ANSWERED AND SAVE MONEY WITH PATIENT CARE Patient Care is a benefit advocacy service that you can use at no cost. Just pick up the phone and call 1-877-344-7474 (Spanish: 1-800-381-5834) to speak to a Patient Care advocate. Have health care questions? Wondering where best to get care, if a claim was paid correctly or if a procedure can be done for less elsewhere? Patient Care can help! They can answer questions about your medical plan and claims processing, help you find low-cost, highquality providers and more! COMPARE PRICES WITH COST LOOK-UP You do your homework when you purchase TVs, cell phones and other big-ticket items like a car. Be sure you re thinking about your health care purchases in the same way! Next time you need to go to the doctor or have a procedure done, arm yourself with quality and cost information beforehand. The Cost Look-Up Tool, part of the Provider Finder Tool, allows you to check the cost of services like an MRI, specific procedures or surgery. This is a great way to compare costs, understand your options and select the provider, facility or service that meets your needs and budget. Sign in to bluecrossmn.com/cargill to take a look. Prefer to discuss this with someone? You can also call Patient Care at 1-877-344-7474 (1-800-381-5834 for Spanish) and a representative can help you find high-quality services at the best price. FIND OPTIONS WITH WAYS TO SAVE ALERTS Did you know the costs of health care services and prescriptions can vary as much as 600 percent from provider to provider? But when you re sick, the last thing you want to do is figure out who has the lowest cost. Sign up for Ways to Save Alerts. The alert system automatically reviews any recurring claims you had the prior month(s) to see if the same services can be found nearby for less. If so, you ll get a text or email with that option, such as a lower-cost pharmacy or provider alternatives that are near you with better cost. You can also see a dashboard of your claim experience with more detail of your medical claims and the cost of those services. To sign up, visit bluecrossmn.com/cargill; sign in (or create an account if you are a new user), and select your preferences by clicking Start Saving. You may also call Patient Care at 1-877-344-7474 to sign up. LEARN ABOUT YOUR BENEFITS THROUGH HEALTHCARE UNIVERSITY Watch videos and play games to learn more about your health care benefits and earn wellness incentive points. Healthcare University offers videos, quizzes and games you can play anytime, anywhere, even on your mobile phone or tablet. This free feature makes it easier than ever to learn how to get the most value from your medical benefits and earn points toward your wellness incentives. School is in session go to bluecrossmn.com/cargill to get started. Healthcare University is available in addition to the tools available through RedBrick Health to earn points toward your wellness incentives. REACH OUT FOR SUPPORT WITH WORK/LIFE SOLUTIONS When life is going well, everything clicks. But when you re struggling with personal issues, it s almost impossible to take care of everything you need to do at work and at home. Perhaps you need to find elder care resources in your area? Or you may have a family member struggling with depression but don t know how to help. With Cargill s Employee Assistance Program (EAP), Work/Life Solutions, free, confidential help for personal and family issues is just a phone call or a click away. Counselors are standing by to offer support in good times and bad. The EAP is available 24/7/365 by calling 1-888-247-2086 or online at bdaeap.com, password: cargilleap. On the website you can email or chat with a counselor. You ll also find: Legal forms library Better Living wellness tools Child and elder care searches Financial calculators BDA Perks discount services To register for access: 1. Visit myredbrick.com/cargill. 2. Activate your account by entering your name, date of birth and the last four digits of your Social Security number. 3. Enter your preferred contact information. 4. Agree to the terms of service. TELADOC BRINGS THE DOCTOR TO YOU! Are you tired of having to drive to the doctor and sit in the waiting room with other sick patients? Wouldn t it be great if you could talk to the doctor from the comfort of your own home or a conference room at any time even 3 a.m.? With Teladoc, you can! YES, YOU STILL NEED HEALTH CARE COVERAGE Don t forget that under health care reform, individuals are required to have health care coverage or pay a tax penalty. If you and your dependents choose coverage through Cargill or a qualified plan elsewhere, you won t be subject to the individual penalty. There are some exceptions and exemptions from the penalty. For more information, contact Patient Care at 1-877-344-7474.

8 2016 New Hire Enrollment Guide 2016 New Hire Enrollment Guide 9 Important dependent/spouse coverage reminders Other Cargill benefit options WHO IS AN ELIGIBLE DEPENDENT? You may choose medical coverage for yourself and your eligible dependents under the Cargill plans. Generally, eligible dependents include: Children, stepchildren, children of your domestic partner and foster children to age 26 (for life insurance, children between 19 and 25 must be full-time students in order to be eligible for coverage) Disabled adult children age 26 or older Spouse Domestic partner (for the 2016 plan year) IMPORTANT: If you are covering a dependent(s), you will be asked to provide documentation to support their eligibility for coverage. The Cargill Benefit Service Center will mail you a packet explaining the verification process. Coverage for these dependents will be pended until verification is received. Once your dependent(s) is verified, coverage and premiums will be retroactively charged to your original effective date of coverage. For more information, including detailed definitions, visit the MyBenefits website or call the Cargill Benefit Service Center. SPECIAL NOTE FOR HSA PLAN PARTICIPANTS WITH DEPENDENTS The IRS allows you to use your HSA to pay qualified medical, dental and vision expenses for yourself and for dependents who meet the IRS definition of dependent on your tax return. Take this into account when choosing your medical plan and/or if you are using an HSA to pay expenses during the year. Talk to your tax advisor for guidance. DOES YOUR SPOUSE HAVE ACCESS TO OTHER COVERAGE? If your spouse is offered medical coverage through another employer (whether your spouse has elected to participate in that coverage or not) and you choose to cover him or her under a Cargill medical plan, you will pay an additional fee of $100 per month on a pre-tax basis (the domestic partner fee is post-tax, per IRS regulations). See the MyBenefits website for more information. Questions? Call Patient Care at 1-877-344-7474 (Spanish: 1-800-381-5834). KEEP YOUR HOME ADDRESS UPDATED Cargill mails important information to your home throughout the year including your W-2 form in January to report your past year s wage, salary and tax information. Make sure your address is up to date to ensure you receive these mailings. There are two ways to check what Cargill has on file for your home address and update it if needed: Call HR Direct Dial at 1-877-366-9696. Visit HR Direct online at https://hrdirect.cargill.com. DENTAL Good dental health is important to your overall health. Cargill s dental plan through Delta Dental helps you keep your mouth healthy by covering the following care: Service Coverage Preventive care (exams, cleanings 100% in network and X-rays) Basic services (fillings, extractions) 80% in network Major services (crowns, bridges, 50% in network dentures, implants) Dental services annual maximum $1,750 Orthodontia 50% up to a separate lifetime in-network maximum of $2,000/person You may visit any provider you choose, but you ll save money when you use an in-network provider. To find out whether your provider is part of the Delta Dental provider network, go to deltadentalmn.org/cargill and click Find a Dentist or call 1-800-587-6975. For more details about your covered benefits under the plan, visit the MyBenefits website. MONTHLY DENTAL EMPLOYEE CONTRIBUTIONS Rate Tier Monthly Rate 1 Employee only $12 2 Employee and spouse $28 3 Employee with 1 or 2 children $25 4 Employee with 3 or more children $28 5 Family with 1 or 2 children $41 6 Family with 3 or more children $46 VISION Taking care of your health means taking care of your eyes, too. Vision Service Plan (VSP) coverage includes vision care products and services: Service Eye exams Frames Lenses Contact lenses Coverage Every year Every two years Every year Every year in lieu of glasses (lenses and frames) Each time you need vision care, you decide whether to use a VSP in network provider (including many national chains) or an out-of-network provider. You ll save money if you go through the VSP network for your services and supplies. To find a participating provider near you, visit vsp.com/go/cargill and click on Find a VSP doctor. For more details about your covered benefits under the plan, visit the MyBenefits website. MONTHLY VISION EMPLOYEE CONTRIBUTIONS Rate Tier Monthly Rate 1 Employee only $7.00 2 Employee and spouse $13.70 3 Employee with 1 or 2 children $14.90 4 Employee with 3 or more children $14.90 5 Family with 1 or 2 children $21.50 6 Family with 3 or more children $21.50

10 2016 New Hire Enrollment Guide 2016 New Hire Enrollment Guide 11 FLEXIBLE SPENDING ACCOUNTS (FSAs) To help save money, consider participating in a Flexible Spending Account (FSA). You can set aside money to pay for health care or dependent care costs. You contribute to your FSA before taxes are withheld from your paycheck, meaning that every dollar that goes toward your FSA reduces your taxable income. Health Care FSA: You may contribute up to $2,550 to your account and can use the money to reimburse yourself for eligible medical expenses not covered by your medical, dental or vision plans for yourself, your spouse or anyone who qualifies as a dependent on your federal tax return even if you don t cover them on your Cargill benefits. If you are enrolled in the HSA plan, your Health Care FSA may be used for dental and vision expenses only. Dependent Care FSA: Contribute up to $5,000 annually to help yourself pay for employment-related day care expenses for eligible dependents. An eligible dependent is someone you claim as a dependent on your federal income tax return, and includes children under age 13 who live in your home, as well as a spouse or dependent of any age (including parent) who lives with you and is physically or mentally incapable of self-support. This account reimburses you for dependent care expenses that allow you to work or attend school full time; it does NOT reimburse you for dependent health care expenses. Plan carefully! Each of these accounts is separate you can t move money between them. The Health Care FSA allows you to roll over (not forfeit) up to $500, as long as you re-enroll in the Health Care FSA for the next plan year. But it s important to note that IRS rules require that any unused amounts over $500 remaining in your account be forfeited. IRS rules also require you to forfeit any unused amounts remaining in your Dependent Care FSA at the end of the year. DEPENDENT CARE LIMIT FOR HIGHLY COMPENSATED EMPLOYEES (HCEs) HCEs employees making $120,000 or more annually for 2015 will be limited to a $1,000 Dependent Care FSA contribution in 2016. LIFE INSURANCE Cargill provides basic life insurance coverage at no cost to you, with the option to buy additional coverage for yourself and/or coverage for your spouse and dependent children. Optional coverage is administered by The Standard Insurance Company and includes: Employee: Additional life insurance equal to one to five times your salary. Spouse: Up to $250,000 in $25,000 increments. Dependent Children: Up to $10,000 in $2,000 increments. For details, visit the MyBenefits website. MONTHLY ADDITIONAL LIFE EMPLOYEE AND SPOUSE CONTRIBUTIONS NON-TOBACCO RATE (PER $1,000 OF COVERAGE) TOBACCO RATE (PER $1,000 OF COVERAGE) Age Employee Spouse Employee Spouse Under age 25 $0.056 $0.056 $0.067 $0.067 25-29 $0.067 $0.067 $0.078 $0.078 30-34 $0.090 $0.090 $0.101 $0.101 35-39 $0.101 $0.101 $0.112 $0.123 40-44 $0.112 $0.168 $0.134 $0.213 45-49 $0.168 $0.280 $0.235 $0.358 50-54 $0.258 $0.414 $0.370 $0.538 55-59 $0.482 $0.638 $0.538 $0.829 60-64 $0.739 $0.974 $1.165 $1.747 65-69 $1.422 $1.467 $1.434 $1.870 70-74 $2.307 $2.778 $2.330 $3.304 75-79 $2.509 $3.461 $2.811 $3.886 80-84 $3.763 $5.253 $4.144 $5.768 85 and older $6.160 $8.669 $6.597 $9.240 Dependent Child Additional Life is $.08/$1,000 of coverage (regardless of the number of children covered).

12 2016 New Hire Enrollment Guide 2016 New Hire Enrollment Guide 13 ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) Accidental Death & Dismemberment insurance provides coverage if you or your spouse are disabled or killed as the result of an accident. You can purchase voluntary AD&D coverage through The Standard Insurance Company for yourself and your spouse in the following amounts: For yourself: $25,000 to $500,000 in $5,000 increments. For your spouse: $25,000 to $250,000 in $5,000 increments. You must purchase voluntary AD&D coverage for yourself in order to purchase it for your spouse, and your spouse s coverage amount cannot be greater than your coverage amount. See the MyBenefits website for rates and other information. LONG-TERM DISABILITY (LTD) Cargill provides employees with salaried benefits with longterm disability coverage that pays two-thirds of your annual salary, up to a maximum annual salary of $75,000, if you are totally disabled for six months or more, as defined by the plan. SALARY CONTINUATION Salary continuation is for qualifying absences due to a physical disease, injury, pregnancy or mental disorder lasting longer than seven calendar days up to 26 weeks. You are automatically enrolled in this company-paid benefit. The amount of salary continuation you are eligible to receive is based on your length of service. For more on salary continuation coverage, see the Salaried Employee Handbook, available on Cargill Connects HR Center (click on Human Resources > North America > United States). Detailed Benefits Information is Available in your SPD Access Summary Plan Descriptions (SPDs) for your elected benefits plans online at MyBenefits (cargillmybenefits.ehr.com), or call the Cargill Benefit Service Center to request a paper copy. CARGILL PARTNERSHIP 401(K) RETIREMENT PLAN To help you set aside money for retirement, all Cargill employees are automatically enrolled in the Cargill Partnership 401(k) Plan once they have been employed for one year. The contribution level is automatically set at 3 percent of your pay. HOW THE 401(K) PLAN WORKS: You save in the plan Cargill matches 3% of your pay 100% An additional 2% of your pay 50% The match is made quarterly in the form of Cargill stock to promote employee ownership. The money you contribute to the plan can be invested in a number of options through Vanguard. Setting aside money in the 401(k) Plan is easy. Here s how you benefit: It s convenient contributions are automatically deducted from your paycheck. It lowers your taxes the money is set aside in the plan on a pre-tax basis, which lowers your taxable income. That means that if you elect 1 percent in pay, you will not see your paycheck decrease by 1 percent. It s portable you are 100 percent vested in your contributions to the plan immediately, which means that the retirement savings are yours to transfer to another company s retirement plan or private IRA (Individual Retirement Account) if you leave Cargill. It s flexible you can also choose to contribute after tax through the plan s Roth feature. In general, those contributions plus any earnings will not be taxed when you take them out of the plan. It s accessible if you experience a hardship and need to access the money in your 401(k) plan before retirement, you may qualify for a loan or hardship withdrawal. Core coverage is company paid, up to a maximum annual salary of $75,000. You can choose to purchase additional LTD insurance that will replace two-thirds of base pay up to a maximum annual salary of $240,000. Evidence of insurability is required if you choose to purchase this additional coverage after you are newly hired. The monthly cost for buy-up coverage is $0.649 per $100 of monthly salary. For more information, visit the MyBenefits website. DON T FORGET TO NAME A BENEFICIARY A beneficiary is someone who will receive your life insurance benefits if you die. Your beneficiary designation applies to any Basic, Additional Life, Voluntary AD&D and Business Travel Accident (if applicable) elections you have on file. This means you should have a beneficiary on file even if you don t elect any additional life or AD&D coverage. Please note, if your spouse or domestic partner dies, you will need to provide your marriage certificate or a signed affidavit of domestic partnership in order to receive the benefit. EMPLOYEE RETIREMENT ACCOUNT (ERA) Cargill funds this portable retirement account, which provides an annual contribution of 2.5 to 7 percent of your eligible pay, depending on your age and years of service (see the table). You are immediately eligible for the ERA and are vested after three years of service. You control where the money is invested from a selection of funds. If you do not make an election, Cargill s contribution will automatically be invested in the Vanguard Target Retirement Fund that most closely matches the year in which you will reach age 65. To make your investment elections, call Vanguard at 1-800-523-1188. ERA CONTRIBUTION SCHEDULE YEARS OF SERVICE Age 0-4 5-9 10-14 15-19 20-24 25-29 30-34 35-30 40+ Less than 30 2.5% 2.5% 2.5% 30-34 2.5% 2.5% 2.5% 2.5% 35-39 3% 3% 3% 3% 3% 40-44 3% 3% 3% 3% 4% 4% 45-49 3% 3% 3% 4% 4% 5% 5% 50-54 4% 5% 5% 5% 6% 6% 6% 6% 55-59 5% 5% 6% 6% 7% 7% 7% 7% 7% 60-64 6% 6% 6% 7% 7% 7% 7% 7% 7% 65+ 7% 7% 7% 7% 7% 7% 7% 7% 7% A 401(k) enrollment kit will be mailed to your home by Vanguard within three weeks of your hire date. You can enroll in 401(k) at any time during the year.

14 2016 New Hire Enrollment Guide 2016 New Hire Enrollment Guide 15 Who to contact FOR TOPIC OR PLAN VENDOR CONTACT INFORMATION General questions Address changes, Payroll inquiries, Adoption assistance, Tuition reimbursement, Weight loss reimbursement, Tobacco cessation Benefit advocacy services Health care benefits Assistance with Cargill website issues Benefits enrollment Options to be routed to any of the vendors below, including HR Direct Dial Questions about health care benefits, comparing costs, health care decision support and claims issues Medical HRA plan HSA plan Primary plan Teladoc telephonic or online physician appointments Prescription drug Dental Vision Health Savings Account (HSA) Health Care FSA Cargill Benefit Service Center 1-800-495-9006 for English and Spanish or to request translation services for another language Monday through Friday, 7 a.m. 6 p.m. CST MyBenefits website: cargillmybenefits.ehr.com Cargill HR Direct Dial 1-877-366-9696 for English and Spanish or to request translation services for another language Monday through Friday, 8 a.m. 5 p.m. CST Patient Care English: 1-877-344-7474 or to request translation services for another language Spanish: 1-800-381-5834 Monday through Friday, 7 a.m. 8 p.m. CST and Saturday, 8 a.m. 1 p.m. CST Blue Cross and Blue Shield 1-866-870-0361 bluecrossmn.com/cargill 1-800-TELADOC (835-2362) teladoc.com Express Scripts 1-800-349-3759 express-scripts.com Delta Dental 1-800-587-6975 deltadentalmn.org/cargill VSP 1-800-877-7195 vsp.com/go/cargill ConnectYourCare 1-866-568-7558 connectyourcare.com Cargill IT Help Desk 1-844-227-7657 FOR TOPIC OR PLAN VENDOR CONTACT INFORMATION Financial protection benefits Life Insurance and Accidental Death and Dismemberment (AD&D) Accident and Sickness Benefits (employees with production benefits only) Long-term Disability (employees with salaried benefits only) Salary Continuation (employees with salaried benefits only) Business Travel Accident Insurance (employees with salaried benefits only) The Standard Life Insurance Company 855-839-9883 standard.com HR Direct Dial for Salary Continuation 1-877-366-9696 Chubb Life For information, contact HR Direct Dial at 1-877-366-9696 Retirement benefits Cargill Partnership Plan 401(k) The Vanguard Group Employee Stock Ownership Plan 1-800-523-1188 vanguard.com Employee Retirement Account Plan Pension Plan Cargill Benefit Service Center 1-800-495-9006 cargillmybenefits.ehr.com Wellness benefits Health Assessment RedBrick Health 1-866-322-1719 Health Coaching myredbrick.com/cargill Nutritional Counseling Tobacco Cessation Program Weight Loss and Tobacco Cessation Reimbursement Programs Blue Cross and Blue Shield 1-866-870-0361 bluecrossmn.com/cargill HR Direct Dial 1-877-366-9696 Other benefits Employee Assistance Program (EAP) Bensinger, DuPoint & Associates (BDA) 1-888-247-2086 bdaeap.com (password: cargilleap) Dependent verification process Dependent Care FSA ConnectYourCare 1-866-568-7558 connectyourcare.com Cargill Benefit Service Center 1-800-495-9006 cargillmybenefits.ehr.com

Enroll in your benefits! You must enroll within 30 calendar days from the first day you have access to the MyBenefits website: Visit MyBenefits, our online self-service website, at cargillmybenefits.ehr.com, or Call the Cargill Benefit Service Center at 1-800-495-9006. 1st 2nd 3rd LEARN ABOUT YOUR OPTIONS. Read this guide for general information about your 2016 options. Call Patient Care for information or help with your benefit questions at 1-877-344-7474 or another resource listed in the Who to Contact section. ENROLL. Log on to the MyBenefits website at cargillmybenefits.ehr.com from your PC, tablet or mobile device, OR Call the Cargill Benefit Service Center at 1-800-495-9006. (The service center is staffed in English and Spanish and has language translation services available for many additional languages.) Review your spouse s or domestic partner s health insurance election through his/her employer, if applicable. Choose your benefits. Indicate tobacco status for you and your dependent(s). Designate your beneficiaries. VERIFY YOUR DEPENDENTS ELIGIBILITY. If you enroll dependents in your medical, dental or vision coverage, look for a verification package from the Cargill Benefit Service Center to verify their eligibility. Follow the instructions to verify your dependents eligibility. Remember, your dependents coverage will not take effect until their eligibility is verified. Once verified, coverage will be retroactive to your original effective date of coverage, and retroactive premiums will be charged if applicable. If you do not complete the verification, your dependent will not have coverage. Your next opportunity to enroll that dependent will be Open Enrollment or a qualifying life event. At that time, you will again be required to provide documents to verify eligibility. Disclaimer: If there are any differences/discrepancies between the information in this guide and the information in the plan documents and/ or Summary Plan Descriptions (SPDs), the information in the plan documents/spds will control. For details on coverage, we recommend reviewing your SPD. www.cargill.com Global HR Operations-NA P.O. Box 5685 Minneapolis, MN 55440-5685 T 1-877-366-9696 F 952-984-0500 2015 Cargill, Incorporated Printed in U.S.A. MEG-1014 Model Enrollment Guide Version A