Voluntary Benefits Program

Voluntary Benefits Program Highlights of the 2012 Voluntary Benefits Program Short-Term Disability Coverage Critical Illness Insurance Hospital Confinement Indemnity Insurance Legal Services Plan Auto and Home Insurance Pet Insurance Voluntary benefits are offered to Office Depot associates through Voluntary Benefits Solutions and their benefit and insurance providers. New For 2012 The Short Term Disability Insurance buy-up plan now has a 7 day elimination period for sickness or accident. The previous plan had a 14 day elimination period.

Voluntary Benefits Program Introduction Voluntary Benefits Solutions (VBS), a division of Gallagher Benefit Services, Inc., offers Voluntary Benefits to eligible full-time and part-time Office Depot associates. VBS specializes in the design, implementation and administration of voluntary benefit programs. All of the voluntary benefits are offered through VBS and their benefit and insurance providers, not Office Depot. The Voluntary Benefits Program includes discounted rates and favorable underwriting program features not usually available to associates or their family members individually. Benefits offered through the program do not replace any Office Depot-sponsored benefit plans and are 100% associate-paid. The benefits available offer additional financial protection with premiums paid through convenient after-tax payroll deductions for full-time associates. Several direct billing options are available to part-time associates. Voluntary Benefits Program At-a-Glance Benefit Program How Can It Help? Who Is Eligible? Provider(s) Short-Term Monthly income benefits while you are disabled Full-time Associates Trustmark Disability Buy-up Critical Illness Insurance Hospital Confinement Indemnity Insurance Legal Services Plan Auto and Home Insurance Pet Insurance No payments due after 90 days of disability Lump sum payment when first diagnosed with a covered critical illness Use the payment for any purpose Provides you with benefits to help with expenses due to a Hospital Confinement for a covered sickness or injury. Legal services provided in attorney s office or by phone Coverage for Estate Planning, Real Estate, Family Law, Civil Lawsuits, Driving Offenses and more. Auto and Home Coverage by Leading Insurance Companies Reimbursement for medical services for your pets Full-time Associates, Spouse & Children Full-time Associates, Spouse & Children Full-time Associates & Family Full-time and Part-time Associates & Family Full-time and Part-time Associates & Family Trustmark Aflac Hyatt Legal Plans MetLife & Travelers VPI Pet Insurance Part-time Associate Eligibility All part-time Office Depot associates have access to Auto and Home Insurance through Travelers and MetLife and Pet Insurance through VPI Pet Insurance. Several direct billing options are available to part-time associates. Applications for coverage can be made anytime throughout the year. Full-time Associate Eligibility There is no waiting period for Auto and Home Insurance and Pet Insurance; application for coverage can be made anytime throughout the year. Enrollment in the Legal Plan must take place within the first 60 days of employment or during the Voluntary Benefits annual enrollment period. Short-Term Disability Buy-Up Insurance, Critical Illness Insurance and Hospital Confinement Indemnity Insurance have a 30-day waiting period and then coverage can only be applied for during the Voluntary Benefits annual enrollment period, which is generally held each year in October or November. 1

Optional coverage to meet the needs of you and your family. The Voluntary Benefits Program provides an easy way for you to enroll in a variety of optional insurance products and services. With the Voluntary Benefits Program, you have the option to choose the insurance coverage and services that work best for you. Full-time associates pay for Voluntary Benefits with after-tax payroll deductions and part-time associates pay by direct payments to the insurance companies. Quick, Easy Education and Enrollment Process Plan Information To read more about the benefits, go online to http://www. vbs123.com/odvoluntarybenefits. You can enroll by calling the Voluntary Benefits Call Center at 877-337-6807. On-site Meetings Corporate, and certain Supply Chain or BSD locations, depending on number of associates, will have VBS Benefits Representatives onsite to meet individually with associates. Watch for posters in your work location listing the dates, and check with your Manager to schedule an appointment with a VBS Benefits Representative to learn more about the Voluntary Benefits Program and enroll on the spot if you decide to purchase certain benefits. Employer-Paid Disability Program When you meet with a Benefits Representative one-on-one or you access the Voluntary Benefits Call Center, you will be able to verify your employer-paid Short-Term Disability coverage and learn how to increase your coverage through Trustmark Insurance Company for added protection. Automatic Renewal If you do not make any election changes during the Voluntary Benefits annual enrollment period, your current elections will continue for the following plan year. Looking for More Information? Go online and visit http://www.vbs123.com/ odvoluntarybenefits. 2

Short-Term Disability Buy-up Coverage that provides benefits in the event of a covered accident or sickness. What would happen if you couldn t work? How would your life change if you became ill or injured and couldn t bring home a paycheck? Why is disability insurance important? Consider these facts... Ninety percent of all disabling accidents and illnesses are not work related.* A disabling injury occurs every 2 seconds.* Do you know how you and your family would pay expenses if you weren t working? Your Base Short-Term Disability coverage provided by Office Depot will help. Consider the voluntary Buy-up option through Trustmark Insurance Company to protect more of your income. * Source: National Safety Council, Injury Facts 2008 ed. If you re married, could your spouse pay all the bills with just one paycheck? What would happen to your family s future plans? If you are a single parent, how would you provide for your children? Even if you are single and have no children, how would you support yourself? If a disabling injury or illness stops you in your tracks, one of your most valuable assets, your income, could stop but your bills will go on. Base Coverage Provided by Office Depot Office Depot provides eligible full-time associates with Base Short-Term Disability coverage equal to 50% of your gross base monthly earnings (excluding overtime) from your primary occupation. Benefits begin after 7 days of total disability and are payable for up to 24 weeks. Buy-up Coverage for Additional Protection For additional protection, you may apply for the Short-Term Disability Insurance Buy-up Program. You may choose coverage up to the amount you re eligible for. Monthly benefits are paid directly to you, and you can use them however you wish. And after 90 days of total disability and while you continue to be disabled, you do not pay premiums for continued coverage. Benefits begin after 7 days of total disability and are payable for up to 6 months. Please read the policy to ensure you understand the program design. Important Notice for current Short-Term Disability Buy-up Policy Holders: The Short-Term Disability Insurance buy-up plan is changing for 2012. The new plan will have a 7 day elimination period for sickness or accident. The previous plan had a 14 day elimination period. You will have the option to keep your existing policy and/or increase the benefit OR replace your current policy with a 7 day elimination period policy. A benefit representative is available to discuss these options. 3

Short-Term Disability Buy-up Coverage that provides benefits in the event of a covered accident or sickness. Short-Term Disability Plan Feature Base Coverage Buy-up Coverage When Benefits Begin When Benefits End Portability How Disability is Defined Pre-existing Condition Limitation Benefit to You Office Depot provides base coverage equal to 50% of your gross base monthly earnings at no cost to you. For additional protection through Trustmark Insurance Company, not Office Depot, apply for voluntary coverage from $300 to $3,000 per month in $100 increments. Your buy-up coverage may not exceed 20% of your gross base monthly earnings and your total coverage (base plus buy-up coverage) may not exceed 70% of your gross base monthly earnings.* Benefits begin on the 8th day of disability. Benefits are payable for up to 6 months. Once you have applied, been approved for coverage for the Buy-up Program and payroll deductions have started, the Buy-up Program is yours to keep even if you change jobs or retire from Office Depot. Premiums and coverage remain the same unless you choose to adjust them. To be considered a covered disability under the Buy-up Program, an illness or injury (including pregnancy or childbirth after coverage has been in effect for 10 months) must prevent you from working at your job and must not be work-related (in New York, must not be covered under any state or federal worker s compensation, employer s liability, or occupational disease law). You must also be under a doctor s care for the condition and not be working at your place of employment for pay or benefits. After the Buy-up Program s effective date, in most states if you become disabled because of a pre-existing condition, the disability is not covered if it begins during the first 12 months after the Program s effective date. Pre-existing condition means a sickness or physical condition for which you were treated, received medical advice or had taken medicine within 12 months before the effective date, even if this plan replaces current disability coverage. * If you live in California, Hawaii, New Jersey, New York or Rhode Island, your short-term disability benefits are provided through mandatory state programs. Any benefit payable from your Office Depot base coverage may be offset by the benefit amount paid through your state s program. Your buy-up coverage amount can bring your total benefit up to 70% of your base monthly earnings. Short-Term Disability benefits are underwritten by Trustmark Insurance Company, Lake Forest, Illinois. Refer to Plan Series DI-902 and other optional riders for your state for exact terms. 4

Critical Illness Insurance Coverage that provides a lump sum benefit in the event of a covered illness. Critical Illness Insurance provides a lump-sum cash benefit upon the first diagnosis of a covered critical illness after the plan effective date. Covered critical illnesses are limited to the specific definitions found in the policy. Coverage is offered through Trustmark Insurance Company. Is critical illness coverage right for you? The 5-year survival rate for cancer has increased to more than 3 in 5, or 65%.* The survival rate of a heart attack is 67%, and a stroke is 87%** On average, the costs surrounding a cancer diagnosis are $146,000 per patient.*** Travel expenses for treatments away from your hometown Medical expenses not covered by insurance Adapting your home for special needs Household expenses if you couldn t work * American Cancer Society, 2009 ** Heart Disease and Stroke Statistics, 2005 Update, American Heart Association *** American Cancer Society, 2005 Critical Illness Insurance does not require a specific expense for payout. It is intended to help cover some of the expenses not covered by medical insurance, such as out-of-pocket deductibles and copays, child care, travel expenses and more. Pre-existing condition limitations and exclusions may apply and in some states, you must have comprehensive medical coverage in place before you purchase this coverage. Optional Features Along with the plan features shown on the facing page, you can also elect the following options: EZ Value Option for Critical Illness As a hedge against inflation, qualifying associates and family members can sign up for this option, which automatically increases coverage on each of the first five policy anniversaries. The example below shows a non-tobacco user with associate only coverage, age 30, $5 per week premium and initial lump sum benefit of $33,766. Year 1 Renewal $6 Premium $40,011 Benefit Year 2 Renewal $7 Premium $46,256 Benefit Year 3 Renewal $8 Premium $52,501 Benefit Year 4 Renewal $9 Premium $58,746 Benefit Year 5 Renewal $10 Premium $64,991 Benefit Health Screening Benefit For an additional premium, this optional feature pays the cost of one screening test each year, up to $100 for each insured. Covered tests are defined in the insurance policy. THIS IS A LIMITED, SPECIFIED DISEASE POLICY. Critical Illness Insurance including Cancer is underwritten by Trustmark Insurance Company, Lake Forest, Illinois. For complete details of coverage including exclusions and limitations, refer to Plan Form CACI-82001 and Rider Form HS-12000/R for your state. Please note that coverage in Connecticut may vary. Critical Illness is not available in Connecticut. 5

Critical Illness Insurance Coverage that provides a lump sum benefit in the event of a covered illness. Critical Illness Insurance Feature Coverage Options Benefit Amount Covered Critical Illnesses Benefit to You Associate only, associate and spouse, associate and child(ren), associate, spouse and child(ren). Benefit amounts from $5,000 to $100,000 (maximum amount not to exceed two times gross base salary) are available. One benefit amount applies to each family member. Heart attack, stroke, invasive cancer, renal (kidney) failure, blindness, ALS (Lou Gehrig s Disease), transplant of a major organ, paralysis of at least two limbs, carcinoma in situ (25% benefit*), coronary artery by-pass surgery (25% benefit*). Note: Most skin cancer is excluded. New York Heart attack, stroke, invasive cancer, renal (kidney) failure, ALS (Lou Gehrig s Disease), transplant of a major organ, carcinoma in situ (25% benefit), coronary artery obstruction (25% benefit), skin cancer benefit ($250), Reversible Ischemic Neurologic Deficit (RIND) ($250 benefit), Transient Ischemic Attack (TIA) $250 benefit). Pays for Expenses Not Paid by Medical Insurance Portability Pre-existing Condition Limitation Critical Illness insurance is intended to provide security for many expenses not covered by basic medical insurance such as: Family income replacement during recuperation Out-of-network treatment Medical insurance co-pays and deductibles Alterations to home or car Child care and housekeeping expenses Special transportation or housing expenses Nursing care and experimental treatment or drugs Once you have applied, been approved for coverage and payroll deductions have started, the plan is yours to keep even if you change jobs or retire from Office Depot. Premiums and coverage remain the same unless you choose to adjust them. No benefit will be paid for any condition caused by or resulting from a pre-existing condition which begins in the first 12 months after the coverage effective date. A pre-existing condition is a sickness or injury for which medical care, diagnosis or advice was received or recommended during the 12 months immediately prior to the coverage effective date. Consult your policy for exact terms. * If the insured receives the one time 25% benefit for carcinoma in situ or coronary artery by-pass surgery (New York: skin cancer, RIND, TIA, carcinoma in situ or coronary artery obstruction), the remaining 75% benefit will be available for a first diagnosis of another covered illness or condition. Coverage for an insured terminates once a full benefit has been paid. If multiple family members are covered and one receives the full benefit, premiums for the remaining insureds will be reduced. Children s premium does not reduce until all children have received the full benefit amount. 6

Hospital Confinement Indemnity Insurance What Is Hospital Confinement Indemnity Insurance? 1 Why Hospital Confinement Indemnity Insurance? A hospital stay even for a few days can be quite expensive. According to the American Hospital Association, in 2008, the average hospital expense, adjusted per inpatient stay, was $9,788.25 2. Even if you already have major medical health insurance, your entire hospital bill may not be covered. Do you have a deductible that must be met first? Coinsurance requirements? What about other out-ofpocket expenses major medical insurance was never intended to cover like transportation, child care, or household bills? 2 Hospital Statistics 2010 Edition, Health Forum LLC, an affiliate of the American Hospital Association. Benefits can be used to help with hospital stays and related expenses. Because major medical health insurance usually carries a separate hospital deductible, Aflac s insurance policy provides a hospital confinement benefit. Aflac processes claims fast, usually within four days, to help get cash benefits in your hands quickly. Also, the Hospital Protection plan is compatible with health savings accounts (HSAs). Aflac benefits may help keep you from dipping into your HSA for out-of-pocket hospital expenses, thereby allowing the account to grow for future needs. Why Aflac? Aflac helps where you need it most because we pay cash benefits directly to you, unless otherwise directed, to use however you choose. Aflac provides freedom of choice. We don t use networks or have precertification requirements. Receive a covered treatment and submit your claim. Then focus on what s most important getting better. Aflac goes where you go. Once you own an Aflac policy, it is yours to keep at the same rate 3 as long as you continue paying premiums. Your coverage will not be canceled because you change jobs, retire, or even if your health status changes. Aflac is financially strong. We ve been helping individuals and families enhance their major medical health insurance coverage for over 50 years. Aflac has a strong history of rate stability across all product lines, including hospital confinement indemnity policies. An individual policyholder s rates cannot be changed based on age, claim history, or change in health status. 1 Policy A46100ID and A46100OK. 3 Note: In New York, payroll rates may not be maintained if employees are no longer on payroll deduction; premiums must be changed to direct rates. 7

Hospital Confinement Indemnity Insurance Coverage Options Available coverage options are: associate only associate and spouse associate and child(ren) associate, spouse, and child(ren) Why Wait? Rates are based on your age at the time you apply for the policy. For more information or to apply, call 1-877-337-6807. You may also visit aflac.com for more information. Note: This is a brief overview only. Please refer to the policy for complete definitions, details, limitations, and exclusions. Policy benefits are determined by state and plan level selected. Policy may not be available in all states. Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. MMC08853 9/11 8

Legal Services Plan smart. simple. affordable. Legal services coverage for a wide range of personal legal matters Questions? For questions on the Group Legal Plan, call 1-800-821-6400. Learn more or enroll online at www.legalplans.com Select Thinking About Enrolling and enter password 7410001 Legal Services Plan Automatic Renewal If you enroll, your coverage will be renewed automatically each year and may only be cancelled during a Voluntary Benefits annual enrollment period. You have the option to enroll in the Group Legal Services Plan offered by Hyatt Legal Plans, Inc., a MetLife Company. Hyatt Legal Plans offers you and your eligible family members value, convenience and comfort in knowing you can access legal services for almost all personal legal matters. It gives you easy and low-cost access to a wide variety of personnel legal services for bi-weekly payments of $7.27. No one can predict your future, but the Legal Plan can help you prepare for legal needs that may lie ahead. The Legal Services Plan provides members with access to a national network of more than 11,000 attorneys from which to choose. Plan attorneys have met stringent selection criteria and have an average of 25 years of legal experience. Plus, if you stay within the network, covered legal services are provided with no additional attorney fees. You also have the flexibility to use an attorney who is not part of the network and get reimbursed for covered services according to a set fee schedule.* You can search for participating attorneys at www.legalplans.com or call Hyatt Legal Plans at 1-800-821-6400 for assistance. Covered Legal Services Telephone advice and office consultations Preparation of wills, codicils, living wills, powers of attorney, trusts Purchase, sale or refinance of your home Tenant Negotiations (tenant only) Security deposit assistance Identity Theft Debt collection defense Personal bankruptcy Tax audit representation Adoption Uncontested guardianship Defense of traffic tickets (no DUI) Driving privileges restoration Defense of civil lawsuits Consumer protection And more *You will be responsible to pay the difference, if any, between the Plan s payment and the non-plan attorney s charge for service. Group legal plans offered by Hyatt Legal Plans, Inc., Cleveland Ohio. In certain states the plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Company and Affiliates, Warwick, Rhode Island. 9

Auto and Home Insurance Coverage that insures your vehicles, residence and personal property. The Voluntary Benefits Program makes shopping for Auto and Home Insurance fast, easy and hassle-free. You can receive no-obligation quotes from two nationally recognized, quality providers Travelers and MetLife. For more information, call 1-877-337-6807. Having your current auto and home policies handy when you call will give you the most accurate comparison. Friendly, knowledgeable insurance consultants can help you review your coverages and prepare free, no-obligation quotes. The Auto and Home Insurance Program includes special program savings backed by the highest quality service. Plus, depending on your individual driving record and responsible lifestyle, you could be eligible for even greater savings. As a policyholder, you also benefit from: Special program savings Additional discounts, such as multi-vehicle, safety devices, driving training and multi-policy Convenient payment options, including payroll deduction for full-time associates Customized coverage options for boats, RVs, trailers, valuable items, computers, and personal excess liability 24-hour claim reporting You can request an auto and/or home quote anytime during the year; call 1-877-337-6807. Note: Home insurance is currently not available in Florida. Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty affiliates, One Tower Square, Hartford, CT 06183. In FL: Auto insurance policies are underwritten by First Floridian Auto and Home Insurance Company, The Travelers Home and Marine Insurance Company, or by The Travelers Commercial Insurance Company. In TX: Auto insurance is offered by Travelers MGA, Inc. and underwritten by Consumers County Mutual Insurance Company. Coverages, discounts, repair options and billing options are subject to availability and individual eligibility. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company, and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify. Met P&C, MetCasSM, and Met- GenSM are licensed in state of Minnesota. 2011 10

Pet Insurance #1 veterinarian-recommended pet health insurance 1 Your pet is a valuable member of your family, so you want to provide the best possible health care. Pets are unpredictable. While it s hard to anticipate accidents and illnesses, Veterinary Pet Insurance (VPI ) makes it a little easier to be prepared for them. From routine wellness care to significant medical incidents, VPI is the smart way to protect your pet s health and your pocketbook. A VPI Pet Insurance policy helps pay for your pet s treatments, surgeries, lab fees, x-rays, and much more. VPI offers affordable plans for dogs, cats, birds, ferrets, reptiles, and other exotic pets. You may elect this coverage for your pet(s) anytime during the year. Benefits coverage renews each year and there are no lifetime limits. Best of all, you re free to use any veterinarian worldwide including specialists and emergency providers. Available Plans: Comprehensive Coverage VPI Major Medical Plan Highest reimbursement for accidents and illnesses, including cancer Reimburses for office visits, prescriptions, treatments, lab fees, x-rays, surgeries, hospitalization and more Choice of deductible Coverage for specified hereditary conditions You can request a pet insurance quote anytime throughout the year; call 1-877-337-6807. Economical Coverage VPI Medical Plan Moderate reimbursement for accidents and illnesses, including cancer Reimburses for office visits, prescriptions, treatments, lab fees, x-rays, surgeries, hospitalization and more Choice of deductible Optional CareGuard wellness coverage Two levels of coverage: Core and Premier Reimburses for routine care treatments and procedures, including twice yearly wellness exams and vaccinations CareGuard Premier coverage includes benefits for dental cleaning or spay/ neuter procedures Actual claims examples:** Medical Diagnosis Vomiting (Gastritis) Bladder Infection (Cystitis) Cruciate Rupture -Surgical Repair*** Cancer of the Lymph Nodes (Lymphosarcoma) Veterinary Fee* VPI Major Medical Plan Reimbursement ($100 deductible) VPI Medical Plan Reimbursement ($100 deductible) $1,055.00 $860.00 $430.00 $767.00 $667.00 $415.00 $3,697.00 $3,290.00 $1,645.00 $4,320.00 $3,230.00 $1,615.00 1 2010 Veterinary AAU Study *VPI does not determine the amount a veterinarian may charge; that amount will vary by region and veterinary practice. **These are actual claims received from VPI policyholders who were enrolled prior to the introduction of the VPI Major Medical and Medical Plans. Claims were reimbursed according to the respective plan in which the policyholder was enrolled at the time. Amounts shown here reflect what would have been reimbursed through the updated plans based on a $100 annual deductible. Available deductible amounts are $100, $250, $500, and $1,000. ***Cruciate ligament surgery is eligible for reimbursement after the first year of coverage. Underwritten by Veterinary Pet Insurance Company (CA) Brea, CA, National Casualty Company (all other states), Madison, WI, an A+15 rated company. 2011 Veterinary Pet Insurance Company. Nationwide Insurance is a service mark of Nationwide Mutual Insurance Company. 11

An Important Note About the Voluntary Benefits Program The voluntary associate-paid programs described in this brochure are designed to give eligible associates and their dependents access to a variety of programs offering financial protection. Office Depot is not a plan sponsor or a plan fiduciary for any of the following voluntary benefits: Short-Term Disability Buy-up Critical Illness Insurance Legal Services Plan Auto and Home Insurance Pet Insurance Hospital Confinement Indemnity Insurance Office Depot is making these voluntary benefits available to eligible associates through after-tax payroll deductions or other direct payment options. Office Depot does not contribute towards the cost for any coverage you may elect. In addition, these programs are not Office Depot benefit plans and they are not covered by the Employee Retirement Income Security Act of 1974, as amended (ERISA). Office Depot does not endorse, recommend or guarantee any of these insurance arrangements, and you should review them carefully to determine whether they are appropriate for your needs. All program administration is performed by the applicable insurance carrier or service provider. Office Depot does not guarantee or verify the accuracy of any statements made in the carriers printed materials or websites. At your option, you may consult with your own personal accounting, legal and tax professionals before electing any of the offered products 12

Voluntary Benefits Program Coverage Worksheet for Voluntary Benefits This page is not an enrollment form and is used to help associates summarize benefit costs during discussions with VBS Benefit Representatives. Short-Term Disability Insurance Coverage Option Monthly Benefit Amount Payroll Deduction Amount o Base Program (50% of Base Monthly Earnings, Company-paid) $0.00 o Buy-up Option ($300 - $3,000 additional benefit, associate paid) TOTAL MONTHLY BENEFIT TOTAL PAYROLL DEDUCTION Critical Illness Insurance Coverage Benefit Amount Per Covered Person Waiver of Premium Rider Payroll Deduction Amount EZ Value o Associate Only o Associate and Spouse o Associate and Child(ren) o Associate, Spouse and Child(ren) TOTAL PAYROLL DEDUCTION Legal Services Plan Coverage Payroll Deduction Amount o Enroll in the Hyatt Legal Plan TOTAL PAYROLL DEDUCTION 13

Voluntary Benefits Program Coverage Worksheet for Voluntary Benefits This page is not an enrollment form and is used to help associates summarize benefit costs during discussions with VBS Benefit Representatives. Hospital Confinement Indemnity Insurance Coverage Option Payroll Deduction Amount o Associate Only o Associate and Spouse Only o Associate and Dependent Children o Associate, Spouse and Dependent Children Total Payroll Deduction Pet Insurance o Yes, I am interested in getting a quote or additional information. Call 1-877-337-6807 to learn more. Auto and Home Insurance o Yes, I am interested in getting a quote or additional information. Call 1-877-337-6807 to learn more. 14

Voluntary Benefits Program VBS-BR-102010