WHAT S INSIDE. BENEFITS FOR A FULL LIFE At work or at play, we ve got your back. Tax-advantaged accounts. Benefits eligibility. Medical plan overview

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1 08 BENEFITS GUIDE

2 BENEFITS FOR A FULL LIFE At work or at play, we ve got your back. Hiking fanatic. Fearless rock climber. Stylish glamper. Whatever your passion, you need to be prepared for the unexpected. Life s unpredictable but REI s got you covered with competitive benefits. Use this guide to get to know your benefits. Then, choose what s best for you, your family and your budget. Not sure which option is right for you? Check out our resources throughout this benefits guide and on to find coverage that s a good fit. WHAT S INSIDE Benefits eligibility 4 Medical plan overview 6 National medical plans 8 Local medical plans 0 Prescription drug coverage Medical plan paycheck contributions Tax-advantaged accounts 4 Dental coverage 5 Vision coverage 6 Resources 8 Enroll 0 Contacts

3 KNOW WHO S ELIGIBLE KNOW WHO S ELIGIBLE Here's who our plans cover. For more details, go to Start Here Benefits Eligibility. Full-Time Employee If you re a regular full-time employee, you re eligible for REI benefits on the first of the month following your date of hire, or on your date of hire, if hired on the first of the month. Part-Time Employee If you re a regular part-time employee, you re eligible if you average 0 or more hours per week over the course of a -month evaluation period. (Your hours are evaluated every year.) If you average below 0 hours per week when your evaluation period ends, you may have health coverage options through the government. Spouse/Life Partner If you re eligible for benefits, your same- or opposite-sex spouse is also eligible. If you re in a committed relationship with a life partner and your relationship meets the specific requirements in the REI Life Partner Affidavit, your partner is eligible for most plan benefits. Dependent Children Your biological, step or adopted children are eligible for benefits if they are under age 6; they may qualify beyond age 6 if they are incapable of self-support due to disability. Find out if you and your family are eligible for REI s benefits Not sure who's eligible for benefits? Go to Start Here Benefits Eligibility to find out more information on who can be covered and to view a video about part-time eligibility rules. Whether you re eligible or not, we ve got tools to help you understand how and where to get health coverage. 3

4 KNOW YOUR OPTIONS REI offers two national medical plans administered by Aetna. (Depending on your location, local plans may also be available.) UNDERSTAND YOUR OPTIONS REI SAVER MEDICAL PLAN Lower per-paycheck deductions Option to elect a Health Savings Account (HSA) both you and REI contribute pre-tax dollars Higher out-of-pocket costs when you need care REI CHOICE MEDICAL PLAN Higher per-paycheck deductions Option to elect a Flexible Spending Account (FSA) to cover out-of-pocket costs Lower out-of-pocket costs when you need care The REI Saver and Choice Medical Plans both feature: COMPREHENSIVE MEDICAL COVERAGE PREVENTIVE CARE BENEFITS PRESCRIPTION DRUG COVERAGE The plans cover doctor and specialist visits, hospitalization, surgery and more. In-network preventive care is paid 00% by REI including certain preventive drugs. Express Scripts administers prescription drug coverage. You can get in-network prescriptions through a nationwide network of pharmacies, as well as mail order. Review REI s plans FYI The REI Saver and Choice Medical Plans offer the same services, but each plan pays for services differently. Turn the page for details. 5

5 ANNUAL DEDUCTIBLE (AMOUNT YOU PAY BEFORE THE PLAN STARTS SHARING THE COST) 3 REI SAVER MEDICAL PLAN REI CHOICE MEDICAL PLAN IN-NETWORK OUT-OF-NETWORK IN-NETWORK OUT-OF-NETWORK Individual $,800 $500 (includes prescription drug costs) (separate prescription drug annual deductible applies) Family $3,600 $,000 COINSURANCE (PERCENTAGE YOU PAY AFTER YOU MEET YOUR DEDUCTIBLE) Preventive care visits $0 (well-child care, routine physical exams, screening tests) (no deductible or coinsurance) (includes prescription drug costs) 4 Not covered (separate prescription drug annual deductible applies) $0 (no deductible or coinsurance) Not covered Physician office visits 0% 50% 0% 50% Emergency room Emergency visits 0% 0% 0% 0% Non-emergency visits 50% 50% 50% 50% Hospital inpatient services 0% 50% 0% 50% Behavioral health (chemical dependency and mental health) ANNUAL OUT-OF-POCKET MAXIMUM (THE MOST YOU PAY EACH YEAR FOR CARE. THE DEDUCTIBLE AND COINSURANCE COUNT TOWARD THE OUT-OF-POCKET MAXIMUM.) 3 Inpatient 0% 50% 0% 50% Outpatient 0% 50% 0% 50% NATIONAL MEDICAL PLANS Compare medical coverage for each national plan, administered by Aetna. For more information, visit. FYI: See the Summary Plan Description for limitations and details. A reasonable and customary (R&C) charge is the average charge for a procedure in a particular geographic area. If you use out-of-network providers and they charge more than the R&C, you are responsible for your portion of the coinsurance plus any amount above the R&C. This rule does not apply to emergency visits. 3 Some services, such as those received from out-of-network providers, may not apply to the deductible and out-of-pocket maximum. Contact Aetna for a detailed list of these services and providers. 4 The plan does not start paying until the $3,600 family deductible is met, even if one family member meets the $,800 individual deductible. 5 The plan does not start paying 00% of in-network services until the $7,00 family out-of-pocket maximum is met, even if one family member meets the $3,600 individual out-of-pocket maximum. Individual $3,600 (includes prescription drug costs) No maximum $3,000 (does not include prescription drug costs) No maximum Family $7,00 (includes prescription drug costs) 5 No maximum $6,000 (does not include prescription drug costs) No maximum 6 7

6 COPAY OR COINSURANCE YOU PAY KAISER WASHINGTON KAISER CALIFORNIA KAISER COLORADO IN-NETWORK OUT-OF-NETWORK IN-NETWORK ONLY IN-NETWORK ONLY Preventive care visits $0 Not covered $0 $0 Physician office visits $5 copay per visit Emergency room $50 copay, waived if admitted Hospital inpatient services 0% Behavioral health (chemical dependency and mental health) HOSPITALIZATION DEDUCTIBLE (OR OTHER RELATED SERVICES, WHERE APPLICABLE) Inpatient 0% Outpatient $5 copay per visit 50% $50 copay, waived if admitted 50% 50% of allowed amount after deductible is met 50% $0 copay per visit $50 copay 0% 0% $0 per visit (individual therapy) $0 per visit (group therapy) $5 copay per visit 0% 0% 0% $5 copay per visit LOCAL PLANS If you live in Washington, California or Colorado, you may enroll in a Kaiser medical plan if you live in a Kaiser service area ZIP code. However, Kaiser plans have restrictions on where you can receive care. For more information, visit. FYI: Care received by an out-of-network provider is not covered except in life-threatening emergencies. Some services received from out-of-network providers may not apply to the deductible and out-of-pocket maximum. Contact Kaiser for a detailed list of these services and providers. Individual $350 $700 $350 $300 Family $700 $,400 $700 $600 ANNUAL OUT-OF-POCKET MAXIMUM (THE DEDUCTIBLE AND COINSURANCE COUNT TOWARD THE OUT-OF-POCKET MAXIMUM.) Individual $,000 $4,000 $,000 $,50 Family $4,000 $8,000 $4,000 $3,

7 PRESCRIPTION DRUG ANNUAL DEDUCTIBLE REI SAVER MEDICAL PLAN IN-NETWORK Individual Annual combined medical and prescription drug deductible applies Family RETAIL (UP TO A 30-DAY SUPPLY AFTER DEDUCTIBLE) REI CHOICE MEDICAL PLAN IN-NETWORK $50 per person Plan shares cost once you meet this separate prescription drug deductible Generic $8 copay $8 copay Preferred brand 5% ($5 minimum/$60 maximum) 5% ($5 minimum/$60 maximum) Non-preferred brand 40% ($5 minimum/$75 maximum) 40% ($5 minimum/$75 maximum) MAIL-ORDER PHARMACY SERVICES (3- TO 90-DAY SUPPLY AFTER DEDUCTIBLE) Generic $0 copay $0 copay Preferred brand 5% ($30 minimum/$0 maximum) 5% ($30 minimum/$0 maximum) Non-preferred brand 40% ($30 minimum/$50 maximum) 40% ($30 minimum/$50 maximum) PRESCRIPTION DRUG ANNUAL OUT-OF-POCKET MAXIMUM Individual $,000 Annual combined medical and prescription Family drug out-of-pocket maximum applies 3 $6,000 RETAIL (UP TO A 30-DAY SUPPLY) KAISER WASHINGTON KAISER CALIFORNIA Plan pays 00% after you meet this annual out-of-pocket maximum, which is separate from your annual medical out-of-pocket maximum KAISER COLORADO IN-NETWORK IN-NETWORK ONLY IN-NETWORK ONLY Generic $0 $0 $0 Preferred brand $0 $30 $0 Non-preferred brand N/A N/A $35 MAIL-ORDER PHARMACY SERVICES (90-DAY SUPPLY; 00-DAY SUPPLY FOR KAISER CALIFORNIA) Generic $0 $0 $0 Preferred brand $0 $60 $40 Non-preferred brand N/A N/A $70 PRESCRIPTION DRUG ANNUAL OUT-OF-POCKET MAXIMUM Individual Family Included in annual medical out-of-pocket maximum Included in annual medical out-of-pocket maximum Included in annual medical out-of-pocket maximum IN-NETWORK PRESCRIPTION DRUG COVERAGE To the left, you'll find in-network prescription drug benefits. You'll pay the full cost at out-of-network pharmacies. National Plans Express Scripts administers prescription drug coverage for the national medical plans: REI Saver Medical Plan and REI Choice Medical Plan. Certain preventive drugs are not subject to the deductible and/or coinsurance/copays. See > Benefits > Medical for more information. If you re covering yourself and other family members, the plan does not start paying benefits until the $3,600 family deductible is met, even if one family member meets the $,800 individual deductible. 3 If you re covering yourself and other family members, the plan does not start paying 00% of in-network expenses until the $7,00 family out-of-pocket maximum is met, even if one family member meets the $3,600 individual out-of-pocket maximum. Local Kaiser Plans Certain preventive drugs are not subject to the deductible and/or coinsurance/copays. See > Benefits > Medical for more information. Out-of-network retail benefit may also be available. Contact Kaiser Washington for details. 0

8 HOURLY EMPLOYEES REI SAVER MEDICAL PLAN REI CHOICE MEDICAL PLAN KAISER PLANS (WA, CA, CO) YOU PAY REI PAYS YOU PAY REI PAYS YOU PAY REI PAYS You only $9.3 $87.0 $37.74 $77.9 $66. $78.07 You + spouse/ life partner $75.94 $ $7.3 $ $79.7 $ You + child(ren) $55.83 $356.6 $9.80 $ $49.54 $338.8 You + family $.64 $547.8 $7.38 $55.4 $63.5 $58. SALARIED EMPLOYEES You only $30.83 $75.40 $59.88 $55.05 $88.5 $55.93 BI-WEEKLY COSTS Review these charts to find out what you and REI pay each bi-weekly paycheck for the plan you choose. Costs are effective January December 3, 08. You + spouse/ life partner $99.6 $ $50.3 $3.54 $.73 $34.46 You + child(ren) $76.43 $336.0 $3.37 $ $80.0 $308.6 You + family $44.75 $55.7 $3.8 $ $ $ TAX-ADVANTAGED ACCOUNTS Tax-advantaged accounts can help you pay or save for eligible health care expenses with pre-tax dollars so you can keep more of your money. Health Savings Account (HSA) If you enroll in the REI Saver Medical Plan, you can open an HSA to pay or save for future health care costs. You own the account, so any unused funds roll over from year to year, even if you leave REI. Get triple-tax advantages with an HSA! The money you and REI contribute is deposited before taxes; your money grows tax-free; and withdrawals are tax-free as long as they are used for eligible health care expenses. Both you and REI contribute to the account. Throughout the year, REI will allocate funds to your account. (REI contributes up to $500 per year for individual coverage or $,000 per year for family coverage.) If you join the plan mid-year, the amount REI contributes will be prorated. Flexible Spending Accounts (FSA) FSAs let you pay for health care expenses with pre-tax dollars, but there are limits to how these funds can roll over for future use. HEALTH CARE FSA Pay for health care expenses for you, your spouse/ life partner and your children. (Not available if you elect an HSA.) Learn more LIMITED-USE HEALTH CARE FSA If you enroll in the REI Saver Medical Plan, you can elect a Limited-Use Health Care FSA to pay for dental and vision expenses. DEPENDENT CARE FSA Pay for the care of your children under the age of 3, as well as older disabled dependents. Available to full-time employees only. Learn about contribution limits and eligible expenses, and check out a video to find out how to use HSA and FSA funds. Financial Wellness HSA and FSA. 3

9 DENTAL You may purchase dental benefits, administered by Delta Dental, with or without orthodontia coverage. VISION You may purchase vision coverage, administered by VSP, for eye exams, frames and lenses. DELTA DENTAL PREFERRED PROVIDER VSP PREFERRED PROVIDER ANNUAL DEDUCTIBLE Annual exam (every calendar year) $50 Individual Prescription glasses Frame $00 Family PERCENTAGE YOU PAY AFTER YOU MEET YOUR DEDUCTIBLE (every other calendar year) Routine care $5 $5 copay, then you pay all costs above $70 copay, then you pay all costs above $50 You pay for all costs after the plan pays: 0% (such as fillings, periodontal services, oral surgery, root canals) Major care Prescription glasses Lenses3 (every calendar year) 50% (such as bridgework, dentures, crowns, implants) $5 copay (single vision, lined bifocal and lined trifocal covered in full after copay) Contact lenses PLAN LIMITS (covered in lieu of glasses; every calendar year) $,000 Maximum annual benefit per person (not including orthodontia) Orthodontia care maximum lifetime benefit (if elected) CORE DENTAL CORE DENTAL & ORTHODONTIA $6.8 $0.3 You + spouse/life partner $7.05 $5.9 You + children $3.46 $.5 You + family $4.3 $37. for bifocal $75 up to up to $5 for lenticular Elective lenses: You pay all costs above Medically necessary lenses: Medically necessary lenses: $00 $00 $5 copay per person YOU PAY for single Elective lenses: You pay all costs above $5 $,000 DENTAL PLAN BI-WEEKLY COSTS (Effective Jan. Dec. 3, 08) up to $50 for trifocal (no deductible) (if elected) up to $00 50% Orthodontia care 4 copay, then you pay all costs above $50 (no deductible or coinsurance) (routine oral exams, cleanings and X-rays) FYI $0 $0 copay $0 Preventive care You only NON-VSP PROVIDER copay, then you pay all costs above $0 Costco is a participating provider; however, not all Costco doctors are participating providers. Before making an appointment, check with VSP for participating Costco providers. Lasik procedures are available at discounted rates if care is provided by a specially designated VSP doctor and the procedure is performed within a VSP-contracted laser vision center. 3 Blended lenses, scratch-resistant and anti-reflective coatings are covered in full only at a VSP provider. VISION PLAN BI-WEEKLY COSTS (Effective Jan. Dec. 3, 08) YOU PAY You only $5.5 You + spouse/life partner $.55 You + children $0.50 You + family $6.80 You may use any dental or vision provider, but you ll pay less if you see a preferred provider. 5

10 TAKE A CLOSER LOOK Here s what you ll find on. RESOURCE HOW TO USE IT 3 GO EXPLORE MEDICAL PLAN OVERVIEW VIDEO Benefits Medical MEDICAL COST ESTIMATOR TOOL Tools Medical Cost Estimator Watch this video for an overview of your medical plan options. See how your total medical costs might add up under each medical plan. SPENDING AND SAVINGS ACCOUNTS VIDEO Financial Wellness HSA and FSA Learn about the Health Savings Account and the Flexible Spending Accounts. OPTIONAL INSURANCE BENEFITS Financial Wellness Insurance Options Learn about the supplemental insurance benefits available to you. REI HEALTH GUIDE Benefits REI Health Guide Ask questions about your health benefits and the Employee Assistance Program (EAP), or initiate a leave of absence. Tour our benefits site for helpful tools and resources EMPLOYEE SERVICE CENTER (ESC) , ext hrhr@rei.com Ask questions about your REI benefits, eligibility for benefits or how to enroll. 7

11 4 LET S ENROLL DECIDE WHO TO COVER You can cover yourself and eligible dependents, as described on page 3. If your spouse, life partner or children have other coverage available, consider those options when deciding who to cover. Be sure to have the date of birth and Social Security number for any dependents that you'd like to enroll. WHAT HAPPENS IF YOU DON T ENROLL You'll be automatically enrolled in the REI Saver Medical Plan for You Only coverage. You ll remain on the REI Saver Medical Plan for the entire 08 calendar year. You will not have dental or vision coverage and your dependents will not have coverage in 08. You will not be able to contribute to an FSA for 08, and you won t receive REI s contribution to an HSA. If you re new to REI and you decide not to enroll in the Supplemental Life Insurance and Voluntary Long Term Disability Plans after the 30-calendar-day enrollment period, you will be required to provide proof of good health. HOW TO ENROLL Go to Start Here Enroll in Benefits. You may need your REI network user ID and password if enrolling outside of the REI network or from a breakroom/lunchroom computer. 3 Make your benefit choices. You can add/remove eligible family members, choose your benefits and select your coverage level. Review your choices and total costs to make sure they re the best fit for you. Choose the benefits that fit your life Are changes allowed during the year? You won t be able to make changes during the year unless you experience a qualifying family status event, such as marriage, birth or adoption of a child. You must notify REI within 30 days of the event to make any eligible changes. 9

12 CONTACTS MEDICAL Aetna/REI Health Guide REI Saver and Choice Medical Plan members Aetnanavigator.com Kaiser Permanente Visit > Resources > Vendor Contacts for regional numbers for medical and prescription drug contact information kp.org PRESCRIPTION DRUGS Express Scripts REI Saver and Choice Medical Plan members express-scripts.com HEALTH SAVINGS ACCOUNT, FLEXIBLE SPENDING ACCOUNTS WageWorks Within the U.S WAGEWORKS ( ) wageworks.com DENTAL Delta Dental Core dental and orthodontia deltadentalwa.com VISION VSP vsp.com Like the photo above? We do too. Check out the Work Life page on Work Life for more details. LIFE, ACCIDENT AND DISABILITY INSURANCE PLANS Aetna Aetnadisability.com 0 HR SUPPORT, BENEFITS ENROLLMENT AND ELIGIBILITY Employee Service Center (ESC) , ext hrhr@rei.com

13 Reminder: Access legal notices associated with REI s Benefit Plans, including the Summary of Benefits and Coverage (SBC) and Uniform Glossary documents required by Health Care Reform, by visiting > Resources > Legal Notices. You can also request a paper copy by calling , ext This document represents a brief summary of your 08 choices under the REI Benefit Plans. This 08 Benefits Guide and accompanying 08 brochure serve as a Summary of Material Modifications (SMM) that updates your Summary Plan Description (SPD). They are not intended to provide a complete description of your benefits. Please refer to the SPD, previously issued SMMs, Summary of Benefits and Coverage (SBC) and any other official documents for complete information about each benefit. The provisions of the official plan documents will govern in case of any discrepancy. REI benefits may be modified or terminated at any time for any reason. This document does not create a contract of employment between REI and any employee. You can find the benefit plan s SMMs, SPD and SBCs at > Resources > Legal Notices. If you are not a part of the group to which this document applies and, as a result, have received this document in error, please contact the Employee Service Center at , ext or hrhr@rei.com. REI 07. All rights reserved FPO