you Benefiting Challenge yourself 2 Update your beneficiaries 3 Q&A: Prescription drug benefits 10,000 steps a day to a healthier you

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1 you Benefiting Challenge yourself Join us in making 2013 our healthiest year yet! page 1 10,000 steps a day to a healthier you See page 5 for details. 2 Update your beneficiaries 3 Q&A: Prescription drug benefits 7 Spotlight on 9 Your credit Transforming score doesn t your health retire with you

2 How do you set a goal? In my case, one step at a time. By Rick Dorazil, VP, Total Reward, Western Hemisphere Becoming a healthier you is a lifelong journey. It s about taking periodic assessments of your health and financial well-being, identifying the areas you want to focus on, setting goals for improvement, and attaining those goals. Protect your loved ones update your beneficiaries It s important to make sure your beneficiary information is current. If you haven t selected your beneficiaries or you ve had a life-changing event marriage, divorce, the birth of a child, or a death in the family it s time to update your beneficiary designations. Pension and savings plans: Log on to NetBenefits at Click Your Profile, then click the Beneficiaries link in the About You section. Life insurance: Go to the BP Benefits Center website at to update your life insurance beneficiaries. You can also call the BP Benefits Center at , 8 a.m. 8 p.m. Central time, Monday through Friday. So what do you do if you want to challenge yourself? For me, once I have a challenge in mind, I need to let as many people as possible know the goal I set for myself. By telling others, it helps to hold me accountable and pushes me to accomplish the goal at hand. It also motivates me to complete my goal so I don t publicly embarrass myself. From the time I was five years old, I wanted to climb Mt. Kilimanjaro. So last year I started telling people my goal. It helped me stay motivated and gave me something to work toward. You know there is nothing more satisfying than to work hard for something, make an honest attempt to attain it and then be fortunate enough to succeed. On August 29, 2012 at 4:25 p.m., I summited the mountain! Being healthy takes effort, but the rewards are worth it. Challenge yourself in 2013 so you can feel better, look better, save on health care costs, and be there for the people who matter to you. Want to be on the cover of the next newsletter? Share with us how you ve challenged yourself, and submit your story to benefitingyou@bp.com. 1 2

3 Q&A Prescription drug benefits On January 1, our new prescription drug benefits through Express Scripts Medicare took effect for Medicare-eligible retirees and their dependents. Here are answers to some common questions. Q. Have my prescription drug benefits changed? A. As we communicated last fall, this change was mainly administrative in nature. We expect little to no disruption to how you receive your prescription drug medications. Express Scripts will notify you directly if a change affects you. Q. How do I get started? A. You should have received a Welcome Kit and Express Scripts Medicare TM member ID card. Your Welcome Kit includes the list of covered drugs (called the Formulary ), mail order forms, and the retail pharmacy network directory. If you haven t received your Welcome Kit and member ID card, call Express Scripts Customer Service at (option 1). Also be sure to discard any old prescription drug cards that you have and begin using your new member ID card. Q. How do I fill maintenance medications? A. Your Welcome Kit includes a new mail order form from Express Scripts Medicare. Any existing prescriptions you have with remaining refills were transferred to the new plan. And don t forget, you can now receive up to a 90-day supply of maintenance medications at your neighborhood retail pharmacy. Q. How do I find out if a prescription drug is covered? A. Refer to the Formulary that was included in your Welcome Kit. Q. Who should I call with questions? A. Call Express Scripts Customer Service at (option 1) if you have any questions or concerns about your new retiree prescription drug benefits. Q. How do I fill retail prescriptions? A. Simply present your new member ID card to your pharmacist. Existing prescriptions with refills were automatically transferred to the new plan. 3 4

4 Challenge yourself! 10,000 steps a day to a healthier you Walking is one of the easiest ways to add activity to your day and improve your health and well-being. And it s not just about feeling better today. A walking routine can also help you maintain your strength and flexibility and your independence as you age. Here s how you can start your own routine one step at a time. Your routine starts here 1. Every step counts. Start by wearing a pedometer to get a feel for how many steps you normally take each day. You ll be surprised at how easy it is to add more steps. Take an evening stroll with your family, park farther away from your destination, take the stairs when you have the option, or take the dog out for a leisurely walk. TIP: You can purchase a pedometer at most sporting goods stores. 4. Talk with your doctor. Before you start any exercise program, it s a good idea to check with your doctor especially if you ve been inactive or are substantially increasing your activity level. 5. Make it fun. Schedule a walk-and-chat with a friend or neighbor, or listen to a book on tape. Time will fly by and getting exercise will hardly feel like work. 6. Track your success. Use your pedometer to track your progress. Every step you take helps. Start slowly and add more steps each week. Did you know? Research has shown that walking regularly can help protect the brain against memory loss and dementia and help cut the risk of heart disease. Peak benefits come from only 30 minutes of exercise several times a week, so get moving! 2. Know your limits. A healthy goal is 10,000 steps a day (that s about five miles). The good news is that you can start small ideally around 2,000 steps a day and work your way up over time. And you don t have to take all your steps at once. Three 20-minute walks a day will work. 3. Get the right gear. Walking doesn t require fancy equipment, but the right shoes matter. Did you know your feet change as you age? Your feet can become wider as the tendons, muscles and ligaments stretch. You may also find that your shoes need to be more cushioned and self-absorbent. So get measured each time you buy shoes, and make sure they re specifically designed for front-to-back movement, like walking or running shoes. 5 6

5 In the spotlight Spotlight on Transforming your health and changing your future You really can change your life and your destiny. Lee Anne Foster, a retiree from Chesterton, Indiana, transformed her future. You can too! Get inspired Both of Lee Anne s parents died at an early age. I have a poor family health history. My mom had diabetes and heart problems. But Lee Anne was determined not to follow in their footsteps. After taking care of others for many years, she realized she needed to focus on herself. I found myself a little overweight and starting to go down the same path as my mom did. I decided to do something for me. Take the first step It can be difficult to start an exercise program. What matters is actually taking that first step. It can be a small step, such as trying something new. About three years ago, Lee Anne experienced the something new she needed to start her wellness journey a two-week trial membership to a local Curves women s fitness center. I was nervous at first, but found that I really liked it. I liked the machines, the people, and the fact that in 30 minutes I had gotten in a good workout and all by 6:30 in the morning. Lee Anne also joined the YMCA where she discovered Zumba, which she thinks is the most fun way to exercise. She does strength training with weights, although she doesn t enjoy it as much. Still, she believes it s important and good for you, so she does it once a week. Get results Lee Anne s hard work paid off. Right away I noticed and others around me noticed that I was losing weight and toning up. I see my doctor annually. She said, Whatever you re doing, keep doing. Not only did Lee Anne lose weight, but she also noticed an improvement in her blood work. These results proved she was already on a different path than her parents. Stay healthy When Lee Anne decided to make a change, she was dedicated to making a long-term commitment to adopting healthier habits. It s been three years since I started, and I ve kept it up. Besides transforming her body and her blood work, making healthy choices has also boosted her spirit. I have more energy and I feel better. Now I can keep up with my grandkids. Instead of repeating her parents history, she s making history by achieving her wellness goals and being her best self at age 60. Tell us your story If you have a wellness story you d like to share with us about yourself or another BP retiree, send us an at becomingahealthieryou@bp.com. 7 8

6 Your credit score doesn t retire with you Your credit rating is constantly evolving and changing even after you ve retired. That s because your credit score is more than just a number. It s a measurement of your financial capabilities. Looking to move down South? Want to downsize to a condominium? Need a new car? Unless you re going to pay in cash, all of these major purchases depend on your credit score to finance them. Your credit score is a powerful thing it dictates your borrowing ability and shapes your life. For something so powerful, the credit score itself is very simple just three digits. However, that number is based on something much more detailed and complex. It s determined by your credit report and history. Looking to move down South? Want to downsize to a condominium? Need a new car? What shapes your credit score Your credit score or rating is based on a formula that measures your credit history. These formulas vary by credit rating agencies, but most in the U.S. are based on the FICO scoring system. In general, your credit score is determined by your payment history, debt, age of your file/accounts, search for new credit, and account diversity. Your credit report contains your borrowing and repayment history. It includes your debt information, including store and credit cards, mortgages, mobile phone contracts, and loans. This includes credit limits, balances, and missed and late payments. Did retiring affect my credit score? Retiring shouldn t affect your credit score. Your credit report, which your credit score is based on, doesn t include any information about your income. It also doesn t track your savings and checking accounts. In general, your credit report only contains information for seven years, unless you filed for Chapter 7 bankruptcy, which usually remains for 10 years. Is my age a factor? Your credit score and rating don t take your age into account. In fact, your age can work to your advantage if you ve maintained the same credit accounts for some time. Credit accounts that are mature factor into a higher credit score. So think twice before closing out a credit card that you ve had for years but no longer use. Simply maintaining it plays a factor in your securing a loan for that boat or car you always promised for yourself once you retired. Credit score ratings chart Excellent Very good 723 Median FICO score Good 687 Average FICO score Not good Poor Very poor FICO credit score scale Bad Fair How to improve your score Look at your report. To start, request a free copy of your credit report to make sure that your credit history is accurate. In particular, check for late payments and the available balances on your credit cards. These factors play a large role in determining your credit score, and an error could damage your ability to secure a loan. Make your payments on time. Be sure to make your credit card and/or loan payments on time. Missed or late payments, even just a few, can have a significant negative effect on your credit rating and score. Reduce your debt. Don t rack up credit card bills. Make sure you pay more than the minimum amount each month. How to request your credit report You re entitled to one free credit report from each of the three major credit bureaus every 12 months. Though the credit report is free, you ll have to pay a fee to receive your credit score from each one of the credit reporting agencies. Order a free annual credit report and purchase your credit score at or by calling Manage your BP retirement accounts through Fidelity NetBenefits You should review your pension and savings benefits at least once a year. That way, you can make sure you are still on track to meet your financial goals. Ready to take a look at your BP retirement savings portfolio? Contact BP Retirement Services at Fidelity at to speak with a representative. Or log on to NetBenefits at for secure access to your account information Good 725 VG 760 Excellent 850

7 Jump-start your day with a healthy breakfast Make breakfast a non-negotiable part of your morning just like brushing your teeth and getting dressed. Here s why: Dates to remember March 29 BP Retirement Services at Fidelity closed for Good Friday BP America P.O. Box 1429 Lincolnshire, IL PRESORT FIRST-CLASS U.S. POSTAGE PAID PALATINE P&DC, IL PERMIT #499 Eating a wholesome breakfast helps recharge your brain and your body, giving you energy and making you more efficient throughout the day. Breakfast eaters tend to eat fewer calories overall during the day. Studies show that eating breakfast helps to curb hunger and prevent binge eating later in the day. Make good breakfast food choices Think you don t have time for breakfast? There are plenty of quick and healthy breakfast options. Try making a batch of these muffins on the weekend so you re set for the week ahead. Blueberry Oat Bran Mini-Muffins Submitted by Alison from Baton Rouge, LA Ingredients: 3/4 cup oat bran 3/4 cup whole-wheat flour 1/2 cup brown sugar 1 teaspoon baking powder 1/2 teaspoon baking soda 1 egg 1/2 cup yogurt 2 tablespoons oil 1 banana, mashed 1 teaspoon vanilla 1 cup blueberries 1/2 cup walnuts, chopped Cooking Instructions: One: Whisk dry ingredients in bowl. Mix wet ingredients in a separate bowl. Blend the 2 mixtures and fold in blueberries and walnuts. Two: Spray a 24 mini-muffin tin with Pam cooking spray. Three: Fill each muffin tin 2/3 full. Bake at 400 for 10 minutes. These mini-muffins freeze well. Lots of fiber and lots of fruit! 12 Printed with soy inks The information contained in this newsletter has been provided by BP and is the sole responsibility of BP. Where an article in this newsletter refers to a BP benefit program, the reference is generally to the BP program applicable to the majority of BP employees on U.S. dollar payrolls. However, in some cases, a program may not apply to every reader of the newsletter. For example, eligibility for the program may be limited based on employee classification (such as full- and part-time employees) or based on other criteria. Benefiting you is presented for informational purposes only. It isn t intended to constitute a promise or contractual commitment by the company. The company reserves the right to change or terminate any or all of its employee benefit plans and programs at any time and without prior notice. If, in our efforts to make the information easy to understand, reference to a relevant plan provision has been omitted or misstated, the relevant plan document, plan summary or prospectus will nonetheless govern. Employees covered by collective bargaining agreements will be subject to these benefit plan provisions to the extent consistent with the terms of BP s policy and benefit programs, the applicable collective bargaining agreement and any applicable legal guidelines. MAR13/MEDICARENL