Annual Benefits Enrollment is October 3 14, 2016.

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1 John Deere and You: Annual Benefits Enrollment for 2017

2 John Deere is committed to providing comprehensive, valuable, and affordable benefits to you and your family through our Healthy Directions program. Your health care benefits offered through Healthy Directions deliver exceptional value. In fact, Healthy Directions has consistently ranked among the most valuable benefits programs when compared to companies in similar industries. Together, we have been able to maintain a leading program through our shared responsibility of managing health care costs. John Deere does its part by offering a variety of health, wealth, and lifestyle benefits, and you do your part by making wise health and health care decisions. We ask for your continued support throughout 2017, starting with annual benefits enrollment October 3 14, There will be elections you may want to make this year, so be sure to review your options and make informed choices. Read on to learn more about the benefits and resources available to you and your family in Annual Benefits Enrollment is October 3 14, There are a few important things to consider when making your elections for next year. If you currently have medical and/or dental coverage through John Deere, you do not need to actively enroll in these benefits to continue receiving coverage for 2017; no action is required to carry over your current medical and/or dental elections for If you maintain a Health Savings Account (HSA) and/or Flexible Spending Account (FSA), you must actively elect contributions for 2017; your current HSA and/or FSA elections will not carry over to

3 What s Inside This guide highlights the variety and value of the benefits we provide to you and your family through Healthy Directions. Step-by-Step: 2017 Annual Benefits Enrollment Below is a list of step-by-step instructions for making the most of annual benefits enrollment. Step Action 1. Understand your benefit options for Read this guide and review the FAQs on page Determine the coverage tier that s right for you. 3. Estimate the cost of your health care expenses for the coming year. 4. Think about which health care and dental benefit plan options are right for you (or you can opt out of coverage if you have it elsewhere). 5. Decide how much you want to contribute to your HSA, if eligible. 6. Decide if you want to contribute to a Limited Purpose Health Care FSA or Dependent Care FSA. Think about who you want to cover (Employee Only, Employee & Spouse, Employee & Child(ren), Employee, Spouse & Child(ren)). See page 5. Go to myuhc.com to view your past year s claims to see what you spent on health care services. You can also call myhealth at for help. See the Health Plan Selection Guide on page 4. Your 2016 HSA election will not carry over in to If you are opening a HSA for the first time or making elections for 2017, you will do so through Fidelity, our HSA administrator. Deere Direct does not manage HSA elections. See page 8. Fidelity offers an online modeling tool to help you decide how much to contribute to your HSA. See page 9 for more details on these accounts. Medical Call Deere Direct at if you want to change your health care plan or covered dependents for If you want to keep your current benefits, you do not need to call. 7. Congratulations, you are ready to make your elections! Dental Call Deere Direct at if you want to enroll or opt out of dental benefits for If you want to keep your current benefits, you do not need to call. HSA Go to netbenefits.com or call Fidelity at to make your HSA elections. If you do not complete this step, your contribution for 2017 will be $0. FSA Call Deere Direct at if you want to contribute to a FSA. If you do not complete this step, your contribution for 2017 will be $0. If you don t want to contribute, you do not need to call. 8. Double-check your Annual Benefits Enrollment Confirmation Letter. If you make changes during the annual benefits enrollment period, we will send you a confirmation letter of your 2017 election changes in the mail in November. Please make sure you review the letter. If any information is incorrect, contact Deere Direct at Reminder! During the past year, we requested benefit eligibility verification documents, like birth certificates and marriage licenses. If you have not already done so, please provide us with these documents in order for us complete your 2017 benefit elections. 3

4 Health The health benefits John Deere offers through Healthy Directions deliver exceptional value to help you and your family satisfy your health care needs. What s New for 2017? Employee Premium Contribution For active, full-time employees, there will be no increase to your employee premium contribution. Maximum Out-of-Pocket Expense Will increase for both health plans. This is the maximum amount you would pay for covered medical benefits in the year, including the deductible and coinsurance but excluding the employee premium contribution. Employee Deductible Amount Will increase for both health plans. This is what you pay for non-preventive covered benefits before insurance pays. Coverage Enhancements Real Appeal: A clinical weight management program, for employees and spouses enrolled in a medical plan paid as preventive benefit, not subject to your deductible or coinsurance. Autism: Expanded coverage for autism diagnosis, including Applied Behavioral Analysis (ABA) where medically necessary. Gender Identity Disorder: Coverage for gender reassignment where medically necessary. Health Plan Selection Guide Which health plan has the lowest total out-of-pocket cost for you? It depends on your coverage tier and the amount of non-preventive health claims you have during the year. 1 2 If you are in this tier......and you expect health care costs in this range for the coming year, then your... Employee Only $1,722 or less $1,773 - $7,421 More than $7,421 Employee & Spouse $3,390 or less More than $3,390 Employee & Child(ren) $3,498 or less $3,499 - $15,214 $15,215 - $16,790 More than $16,790* Employee, Spouse & Child(ren) $3,843 or less $3,844 - $12,458 More than $12,458 3 lowest out-of-pocket cost ** option is... MAX MAX *Cost difference between plans is approximately $1. ** Your lowest out-of-pocket cost is determined by adding your employee premium contribution, health care claims applied to the deductible, coinsurance (limited by the out-of-pocket maximum), and company Health Savings Account (HSA) contribution. 4

5 2017 Health Plan Comparison Which health plan is right for you? It depends on your personal health care needs and what matters most to you and your family. Use the tables below and the personal information available on myuhc.com to compare the coverage under our two health plans. We re also including information on our dental benefits. Employee Premium Contribution Semi-Monthly Rates Employee Premium Contribution Weekly Rates Employee Only Employee & Spouse Employee & Child(ren) Employee, Spouse & Child(ren) Employee Only Employee & Spouse Employee & Child(ren) Employee, Spouse & Child(ren) $32.57 $93.19 $73.23 $ $15.03 $43.01 $33.80 $64.06 MAX $23.49 $80.19 $56.62 $ $10.84 $37.01 $26.13 $51.10 Dental $2.64 $8.52 $6.98 $12.83 $1.22 $3.93 $3.22 $5.92 Deductible (paid by you) HSA Contribution (made by Deere) Coinsurance (paid by you after deductible) Preventive Care (paid by the plan) Out-of-Pocket Maximum Least You Would Pay* Employee Only Employee & Spouse Employee & Children MAX MAX MAX Employee, Spouse & Children MAX $1,500 $2,400 $3,000 $4,800 $3,000 $4,800 $3,000 $4,800 $750 $750 $1,400 $1,400 $1,400 $1,400 $1,400 $1,400 20% 10% 20% 10% 20% 10% 20% 10% 100% 100% 100% 100% 100% 100% 100% 100% $2,800 $3,000 $5,600 $6,000 $5,600 $6,000 $5,600 $6,000 $32 -$186 $837 $524 $358 -$41 $1,931 $1,257 Numbers in red indicate that HSA contributions from Deere are more than what you spend on employee premiums during the year. Most You Would Pay** $2,832 $2,814 $6,437 $6,524 $5,958 $5,959 $7,531 $7,257 *Includes employee premium contributions minus HSA contributions from Deere ** Includes employee premium contributions plus cost of out-of-pocket maximum minus HSA contributions from Deere Note: This is a high-level summary only; detailed Summary of Coverage documents available on the Healthy Directions website. Amounts do not reflect the tax savings to you that result from employee and company HSA contributions being made on a pre-tax basis. This can save you as much as $1 for every $3 to $4 you contribute. The benefit comparison is for allowed covered benefits provided by network health care providers. Different Deductibles. Same HSA Benefit. Whether you enroll in or MAX, you can use HSA dollars, including what John Deere contributes to your account, to pay for eligible health care services right now (subject to IRS rules). Your HSA money is just that yours. You decide when, how, and where to use your HSA funds. Don t miss out on this great benefit by forgetting to contribute in 2017! For more information, see the Wealth section of this guide. 5

6 Health Plans Your willingness to be good stewards of our benefits programs and make wise health care and lifestyle decisions is allowing us to keep key aspects of our health plans the same for next year. There are no increases to employee premium contributions or coinsurance for However, as you know, we share some increasing costs for health care benefits with employees. This year is no exception as there are increases to your deductible in each health plan ($50 for Employee Only and $100 for Family) and maximum out-of-pocket limit in each health plan ($100 for Employee Only and $200 for Family). You have access to two health plans: and MAX. View the Summary of Coverage documents on the Healthy Directions website for detailed information. To see your current elections, visit myuhc.com (registration required for first-time users). Common to Both Plans Cost of health care benefits John Deere pays a significant portion of the cost for your health care benefits Coverage tiers Employee Only, Employee & Spouse, Employee & Child(ren), and Employee, Spouse & Child(ren) Preventive care at 100% Full coverage for eligible services* like annual physical exams Types of covered health care services Medical, prescription drug, vision, and hearing Health benefits protection For covered in-network services once the deductible is met UnitedHealthcare (UHC) network Broad network of providers; no referrals from a primary care physician needed to see an in-network specialist Plan Selector Tool Helps you and your family choose the plan that best suits your needs Differences Between Plans Employee premium contribution amounts has higher employee premium contributions; MAX has lower employee premium contributions Deductible amounts has a lower deductible; MAX has a higher deductible Maximum out-of-pocket expense has a lower maximum out-of-pocket cost limit; MAX has a higher maximum out-of-pocket cost limit Coinsurance has a higher coinsurance rate; MAX has a lower coinsurance rate * For a complete summary of preventive care services, please visit the Healthy Directions website at Dental The dental plan pays benefits for a broad range of covered dental services. Dental coverage is separate from the health plan, and maintains separate employee premium contributions, deductibles, and annual/lifetime maximums. You can receive dental services from any licensed dentist; there is no UHC dental network. FAQs: 2017 Annual Benefits Enrollment Q: How do I find out which health plan I am currently enrolled in? A: On the front of your UHC ID card you will see the name of your health plan. You can also log onto myuhc.com to see your health plan s name, verify who is covered, find providers, view claims, and more. Q: How do I know my changes have been made? A: If you make changes during the annual benefits enrollment period, we will send you a confirmation letter of your 2017 election changes in the mail in November. Please make sure you review the letter. If any information is incorrect, contact Deere Direct at Q: I don t want to make changes to my benefits for 2017, so I don t need to do anything, right? A: It depends on your situation. If you are satisfied with your current medical and/or dental coverage, you do not need to take action to continue receiving those benefits in If you want to contribute to an HSA or FSA for 2017, you do need to actively elect how much you wish to contribute. You can make HSA elections by visiting netbenefits. com or calling Fidelity at You can make FSA elections by calling Deere Direct at

7 Healthy Directions: How We Stack Up Aon Hewitt, a global consulting firm, conducts an independent analysis of benefits programs. John Deere uses this analysis to benchmark our benefits with similarly-situated companies. The average value of all benefit plans offered by each employer is compared and ranked in a Benefit Index. The results of this comparison show Healthy Directions is in the top twenty-five percent of health benefits offered when considering employee premium contributions, point-of-care costs, and company-provided funds. Who We re Compared To 3M Alcoa Boeing Caterpillar Cummins Honeywell Illinois Tool Works Johnson Controls and others... How We Compare Among the most affordable employee premium contributions Among the lowest out-of-pocket maximum Higher deductible, yet other companies continue to remove plans with lower deductibles The most you would pay for Employee Only coverage is 48% below median cost at other companies* (36% below for Family coverage) Higher than average company HSA contributions *The most you would pay includes employee premium contributions minus HSA contributions from Deere plus out-of-pocket claims costs. As an example, the chart below shows the most you would pay in 2016 for Employee-only coverage compared to the other companies in the Benefit Index. $8,000 $7,000 $6,000 $5,000 Median $4,000 $3,000 Deere $2,000 $1,

8 Wealth The wealth benefits John Deere offers through Healthy Directions provide opportunities for you and your family to save pre-tax dollars for health care expenses and receive contributions from the company to help you pay for health care. What s New for 2017? Health Savings Account (HSA) Your 2016 HSA election will not carry-over into If you are opening an HSA for the first time or making elections for 2017, you will do so through Fidelity, our HSA administrator. Deere Direct does not manage HSA elections. Go to netbenefits.com or call Fidelity at to make your HSA elections. Annual IRS limits on how much can be contributed to an HSA: $3,400 (Employee Only; increased from 2016), $6,750 (Employee & Spouse, Employee & Child(ren), and Employee, Spouse & Child(ren); same as 2016). John Deere still provides a contribution of $750 for Employee Only coverage or $1,400 for Family coverage. Flexible Spending Accounts (FSA) The contribution limit for the Limited Purpose Health Care FSA is $2,550, same as The contribution limit for the Dependent Care FSA is $5,000, same as Call Deere Direct at if you want to contribute to an FSA. Did You Know? HSAs are a great way to budget for your annual health care expenses! If you are paid semi-monthly and you contribute just $86 each paycheck to your HSA on top of what John Deere contributes to your account you ll have enough money to cover the out-of-pocket maximum in for Employee Only coverage. Setting aside money each paycheck helps build an HSA safety net so you can handle an emergency medical situation or save for future health care needs. Plus, since you save $1 on taxes for every $3 to $4 you contribute to your account, your money goes further. 8

9 Health Savings Account (HSA) An HSA offers a tax-favored way for you to pay for current and future qualified health care expenses, including your deductible, coinsurance, and eligible medical expenses not covered by our health plans. Contribute Grow Know John Deere will contribute $750 (Employee Only) and $1,400 (Family) to your HSA In addition, you can contribute up to $2,650 (Employee Only) or $5,350 (Family) to your HSA If age 55 or older in 2017, you can make a $1,000 catch-up contribution You can change your contributions any time during the year If you re enrolled in either or MAX and are not eligible for an HSA*, you ll receive the company contribution automatically through your paycheck rather than a company deposit into an HSA. The company contribution will be taxable income The money you and John Deere contribute to your HSA goes in tax free When HSA funds are used for eligible medical expenses, the money comes out tax free Investment earnings on your HSA funds grow tax free Any remaining HSA balance at year s end rolls over; there s no use it or lose it rule Account balance can continue to grow for use on eligible medical expenses in retirement To make HSA contributions, you must actively elect how much you want to contribute per paycheck HSA funds can be used for qualified health care expenses, including out-of-pocket vision and dental expenses New HSA participants must open their account by December 27, 2016 to receive a pre-tax contribution from John Deere in January 2017 Medicare enrollees are not eligible to contribute to an HSA; other eligibility requirements apply* The HSA is yours to keep; you take the money with you if you retire or leave the company *To see other eligibility restrictions, please search for Publication 969 on Flexible Spending Accounts (FSAs) A Limited Purpose Health Care FSA uses pre-tax dollars to pay for out-of-pocket vision and dental expenses in combination with an HSA. A Dependent Care FSA uses pre-tax dollars to pay for dependent care expenses*. Contribute Grow Know John Deere does not make contributions to FSAs You can contribute pre-tax dollars to either or both a Limited Purpose Health Care FSA and/or a Dependent Care FSA To change contributions during the year, you must experience a qualifying life event, such as a marriage or birth of a child There is no opportunity to invest FSA funds The Limited Purpose Health Care FSA allows you to roll over up to $500 of unused funds. However, you must be actively making contributions to your account in order to use these funds. Any balance above $500 remaining at year-end will be forfeited, per IRS restrictions The Dependent Care FSA is use it or lose it ; any remaining balance does not roll over year to year, per IRS restrictions To make contributions to any FSA, you must actively elect the total annual amount to contribute The Limited Purpose Health Care FSA is for qualified out-of-pocket dental and vision expenses only The plan limit for Limited Purpose Health Care FSA contributions is $2,550 per household; the minimum annual deferral is $48 The plan limit for Dependent Care FSA contributions is $5,000 per household; the minimum annual deferral is $48 The FSA is not yours to keep; if you leave the company, claims for eligible expenses must be submitted before you leave * For a list of eligible expenses for a Dependent Care FSA, search for Publication 503 on 9

10 Lifestyle You can improve or maintain your health by taking advantage of the wellness resources provided through Healthy Directions. Doing so can help you lead a healthy, productive life and make the most of your health care dollars now and in the future. What s New for 2017? Real Appeal A clinical weight management program, for employees and spouses enrolled in a medical plan paid as preventive benefit, not subject to your deductible or coinsurance. Fitness Device Store Fitness-tracking devices are a great way to get and stay motivated. Find a wide selection of fitness trackers online, including Fitbit and Garmin, discounted significantly lower than manufacturer-suggested retail pricing. Real Appeal Beginning January 1, 2017, you will be able to access a new online weight loss program called Real Appeal. Real Appeal offers a simple, step-by-step approach designed to introduce small changes over time that lead to healthier habits and long-lasting weight loss results. Real Appeal combines weekly online coaching with a Success Kit and digital tools to get you on the fast track to a lighter, healthier you. Real Appeal will be available at no cost to you, since it is paid as a preventive benefit. Call myhealth at JDEERE1 ( ) to see if you qualify for this program. Fitness Device Store Available Now! Fitness-tracking devices are a great way to get and stay motivated. Challenge yourself to make healthy choices as you track things like steps, calories, heart rate, and sleep all from your wrist. Find a wide selection of fitness trackers online, including Fitbit and Garmin, discounted significantly lower than manufacturersuggested retail pricing. Plus you ll get free shipping on orders over $50. Find your fitness device today! Visit buy.wellnesscodes.com/opti This offer is made available to you by John Deere. You may purchase as many devices as you d like at this special pricing. Get Fit. Pay Less. As a reminder, John Deere offers reimbursement for a portion of fitness center memberships and a 50% subsidy on Weight Watchers memberships. See page 11 for more details. 10

11 Resources Available on Deere.com/healthydirections Biometric Health Screening Fitness Center Reimbursement Flu Shots Liveandworkwell myhealth Take advantage of on-site or off-site screening options to get your numbers and track your health in several key areas, including cholesterol, body mass index (BMI), glucose (or blood sugar), and blood pressure. John Deere provides reimbursement for a portion of fitness center memberships. The reimbursement amount is up to $120, per employee, per year. We offer on-site employee flu shot events to get you vaccinated and keep you, your family, and your colleagues healthier during flu season. In addition, you and your covered family members can visit a UHC provider or pharmacy for a preventive flu shot. Our Employee Assistance Program (EAP) helps you manage your total health and balance your personal and work-life needs. It includes counseling, resources, and information on legal, financial, work-life, and other issues. Whether you just received a new diagnosis or are simply trying to live a healthy lifestyle, myhealth can help you find information and support that will help you make healthier choices all at no cost to you. You must be enrolled in a health plan to participate. Call JDEERE1 ( ) to take advantage of these myhealth tools: Wellness Coaching. Engage with a wellness coach to quit tobacco, manage your blood pressure and cholesterol, improve your heart health, reduce your stress, improve your diet and nutrition, lose weight, and more. myuhc.com. A simple one-stop shop for all of your plan information including: information on benefits and coverage, network doctor directories, prescription management, health care cost estimates, wellness tips, and more. QuitPower tobacco cessation. A clinically-proven, confidential resource to support your efforts to quit. The telephone-based program includes counseling and no-cost nicotine replacement therapy. Rally SM. A personalized digital wellness website designed to inspire a healthier you, every day. It gives you the tools to help you build positive habits, and stick to them. Access Rally on myuhc.com. Support and Specialty Resources. UHC offers a variety of programs including behavioral health, healthy pregnancy, diabetes prevention, cancer support, disease management, and more. My John Deere Benefits Summary Plan Description (SPD) Weight Watchers A web-based training course in John Deere University covering the variety of benefits you receive as a valued John Deere employee. The training is free of charge, available at any time and can be taken in pieces and as many times as you d like. Use the course to learn more about your benefits and how to use them to best suit your needs. This online, searchable document outlines the benefits you receive as a valued John Deere employee. The document includes quick links that let you easily jump back and forth within the document to find answers. It is also organized in helpful categories such as My Health, My Retirement, and more. John Deere is committed to helping you reach weight loss goals and improve overall health by offering a fifty percent subsidy on the Weight Watchers offerings membership fees. 11

12 The information contained in these materials is based upon the company s interpretation and understanding of the state and federal tax codes and regulations on the date of this publication. These laws and regulations, as well as the company s interpretations, may change from time to time. Details of the health plans and tax code regulations, as well as governmental rulings, may also affect the answers to the questions provided in these materials. Employees/Retirees should seek more information from their tax advisors in order to gain a full understanding of Health Savings Accounts, limited purpose Health Care Flexible Spending Accounts, Dependent Care Flexible Spending Accounts, Retiree Medical Credits, and how the various state and federal tax laws govern their use. This document is intended to present a summary of the health care benefits and benefit elections that are available to you; however, this material does not, of itself, create or modify your benefits. The terms of the applicable benefit plans, and all company actions administering or interpreting these plans, continue to control. Deere & Company reserves the right to suspend, amend, modify, or terminate the Plan(s) in any manner at any time, including the right to modify or eliminate any cost-sharing between the company and participants. Changes, which can be made at any time, are made by action of the company s board of directors, or to the extent authorized by resolution of its board of directors, or by the Deere & Company Compensation Committee. In the event of a conflict between the language of the official Plan Documents and this document, the language of the official Plan Documents will control. Rally Health provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor s care. If you have specific health care needs, consult an appropriate health care professional. Optum offers access to savings on fitness devices and similar products that you may purchase directly from independent vendors. Optum does not warrant or guarantee any specific vendor or item. See buy.wellnesscodes.com/opti for further details. myhealth should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. Information provided is educational and informational only and may be limited by the information you share or could be subject to change (for example, if your benefits change). Nurses and other phone representatives cannot diagnose problems or recommend treatment and are not a substitute for your doctor s care. Print Information (15-09) JohnDeere.com