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TAKE CHARGE OF YOUR WELLBEING

CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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CENTRICA

2017 OPEN ENROLLMENT BENEFITS GUIDE

This interactive guide is designed to help you quickly find information about the topics that are important to you. You may advance to any of the sections listed below by clicking on the hyperlink. › WELCOME TO CENTRICA 2017 OPEN ENROLLMENT › 2017 BENEFIT PLAN HIGHLIGHTS › THE DIRECT ENERGY BENEFITS CENTER AND WEBSITE › BENEFITS ELIGIBILITY › TAKE CHARGE OF YOUR PHYSICAL WELLBEING:

› › › › › › ›

Medical Coverage Compare Your Medical Options Prescription Drug Coverage Castlight (Shop for Health Care) Virtual Visits (telemedicine) Dental Coverage Vision Coverage

› TAKE CHARGE OF YOUR FINANCIAL WELLBEING:

› › › › › ›

Flexible Spending Accounts Income Protection Benefits Disability Coverage Voluntary Group Benefits Commuter Benefits 401(k) Plan

› TAKE CHARGE OF YOUR EMOTIONAL WELLBEING:

› Employee Assistance Program › Back-Up Care Advantage Program › Wellbeing Programs › KEY TERMS › 2017 PER-PAY EMPLOYEE CONTRIBUTIONS › 2017 BENEFITS ENROLLMENT › IMPORTANT CONTACTS

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WELCOME TO CENTRICA’S

2017 OPEN ENROLLMENT

At Centrica, we know that a healthy workforce gives us a strong competitive advantage. That’s why we offer a comprehensive and high-quality benefits program to all eligible employees. As we kickoff the annual benefits enrollment process, we’re excited to offer new features and enhancements that will help you take charge of your wellbeing, and that of your family, in 2017. Choosing the right programs doesn’t just happen. You need to actively think about the year ahead and plan accordingly. Will you be expanding your family? Do you have any major health events slated? Do you feel adequately protected with the coverage you currently have? Taking a few minutes to get a current read on your anticipated health needs in the coming year can pay off big in the long run by not over- or under-insuring yourself and your family. This interactive Open Enrollment Guide provides an overview of the Centrica benefits program for 2017 and information to help you enroll in coverage. Take charge of your wellbeing and choose the programs that will keep you and your family healthy and protected in the year to come.

2017 BENEFIT PLAN HIGHLIGHTS: • New program administrators for the following benefits: › Medical: UnitedHealthcare (UHC) › Dental: Delta Dental › Virtual Visits (telemedicine): UHC › Life and Accidental Death & Dismemberment: Securian Life › Disability: MetLife › Employee Assistance Program: UHC • New medical program enhancements and features including: › New infertility benefits that provide a $25,000 medical lifetime maximum and a $10,000 pharmacy lifetime maximum when using a Center of Excellence provider › New transgender benefits that cover surgical and non-surgical treatment of Gender Identity Disorder in accordance with World Professional Association of Transgender Health (WPATH) standards › Increased ABA benefits for the treatment of autism including inpatient, outpatient, residential and day treatment as well as treatment and procedures, medication management, and individual, family and group therapy • The Consumer Choice Plan (CCP) umbrella will be expanded to include all three medical plan options and the Preferred Provider Organization will be renamed the CCP-Traditional Plan • The Prescription Drug program will implement the following changes: › The minimum and maximum payments will increase › Mandatory generics must be used when available or you will pay the difference in cost between the generic and preferred brand name drug in addition to the applicable copay › A copay will be applied to all Specialty medications • The Dental Plans will feature the following enhancements: › The High and Low Dental Plans will increase the number of annual cleanings to four › The High Dental Plan will increase the annual maximum and lifetime orthodontia maximum to $2,500

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• The Vision Plan will feature the following enhancements: › The frequency of frame replacement for children will be increased to every 12 months › The separate $20 copays for exams and materials will be consolidated to a single $20 copay › The frame and contact lens allowances will both increase to $150 • You may elect Spousal Life/AD&D coverage and Child Life coverage even if you do not elect coverage for yourself.

THE DIRECT ENERGY BENEFITS CENTER AND WEBSITE: YOUR ONE-STOP RESOURCE The Direct Energy Benefit Center and website is your one-stop shop for all of your employee benefit needs. The benefits website offers self-service features and functionality so that you may access the site wherever and whenever it is convenient for you. Login from work, home or your mobile device to: • Enroll in your 2017 benefits • Make changes to or view your current benefit elections • Find information and documentation about your benefits • Add or change your dependents • Submit changes and documentation for qualifying family status changes (such as a marriage, divorce, birth or adoption of a child, etc.) If you have any questions about your benefits programs – including enrollment, eligibility, plan provisions and more – you may speak to a Direct Energy Benefits Center Representative. You may also call a Representative to make your 2017 Open Enrollment elections, add or change dependents, make changes for a qualifying family status change, and be transferred directly to benefit providers for additional information. To enroll in benefits for the 2017 calendar year, you will make your elections through the Direct Energy Benefit Center website or by speaking with a Representative. This includes if you want to: • Make changes to any of your current benefit elections • Add, delete or change your dependent information • Enroll in or make a contribution to a Health Savings Account if you elect the Consumer Choice Plan Premier or Standard medical plan options • Enroll in or make a contribution to a Flexible Spending Account • Enroll in or change your Voluntary Life Insurance • Enroll in or drop your voluntary benefits Open Enrollment is also a good time to access the Direct Energy Benefits Center website and review and/or update the following information: • Existing coverage • Eligible dependents and their Social Security Numbers • Beneficiaries and their Social Security Numbers If you do not actively enroll in benefits during the 2017 Open Enrollment period from October 31 through November 14, 2016, your 2017 benefits will default to your current elections, except for Health Savings Account and Flexible Spending Account contributions, and certain voluntary benefits, which will default to no coverage. Unless you have a qualifying life event – such as a marriage or divorce, birth of a child, etc. – during the year, your next opportunity to change your coverage category or enroll in these benefit programs will be at the next Open Enrollment period in the fall of 2017 for coverage in 2018. If you have any questions about your benefits programs or wish to make your 2017 Open Enrollment elections over the phone, call the Direct Energy Benefits Center at 1-800-588-9806 weekdays from 8:00 a.m. to 5:00 p.m. CST. Take charge of your wellbeing by thinking about what 2017 may hold for you and learning about the programs and options offered by Centrica. When you are ready, the Direct Energy Benefits Center website offers a comprehensive collection of tools, calculators and resources to help you select the plans that are right for you and your family.

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YOUR CENTRICA

BENEFITS PACKAGE

OPTIONAL BENEFITS As a Centrica employee, you’re eligible to elect the following benefits during Open Enrollment: • Medical coverage through UHC • Prescription drug coverage through CVS Caremark (automatic participation if you enroll in a Centrica medical plan option) • Dental coverage through Delta Dental • Vision coverage through VSP • Spending Accounts and Commuter Benefits* through WageWorks • Life and Accidental Death & Dismemberment Insurance through Securian Life • Disability programs through MetLife • Voluntary group benefits through MetLife, including: › Accident Coverage › Critical Illness › Hospital Indemnity › Auto & Home* › MetLaw legal protection › Voluntary Pet insurance* • Back-up child and adult/elder care services* through Bright Horizons • Wellbeing programs* including weight loss and gym discounts * You may participate in these programs at any time

COMPANY-PROVIDED BENEFITS Centrica provides all eligible employees with a number of benefits that will help you maintain the health and wellness of you and your family, at no cost to you. • Short-Term Disability (STD) – Administered by MetLife, STD benefits provide up to 70% of weekly earnings, to a maximum of 26 weeks • Long-Term Disability (LTD) – Administered by MetLife, if you are disabled more than 26 weeks, the LTD plan provides up to 66.67% of your earnings, up to $8,000 per month • Basic Life and Accidental Death & Dismemberment (AD&D) – Administered by Securian Life, you will receive up to two times your annual salary, to a maximum of $1,000,000 • Business Travel Accident Insurance (BTA) – You may be eligible for benefits if you and your family experience an incident while traveling on approved company business • Employee Assistance Program (EAP) – Confidential counseling, legal advice and other resources for you and your family provided by UHC/Optum • Centrica 401(k) Plan – Administered by Fidelity, the Company will provide a matching contribution if you participate in the plan

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ELIGIBILITY AND ENROLLMENT All regular, active Centrica employees who work 30 or more hours per week are eligible to participate in the Centrica benefits program. However, the waiting period for the coverage effective date may vary by line of business (speak to your HR Representative for more information). You can enroll for benefits when you first become eligible or during the annual benefits enrollment period, typically held in the fall each year. You may only change your benefits if you experience a qualifying event such as marriage, divorce, the birth of a child, etc. If you have a qualifying life event, you MUST make any resulting benefits changes through the Direct Energy Benefits Center (online or by phone) within 30 days of the event. Temporary or part-time employees are not eligible for benefits. We know that taking care of your family is important, too. That’s why when you enroll in many of the Centrica benefit plans, you can also enroll your: • Spouse • Domestic partner of at least one year (affidavit will be required) • Your children, stepchildren, children of your domestic partner, or children for whom you have legal guardianship, up to age 26 • Adult children of any age, who are disabled (additional documentation required) SOCIAL SECURITY NUMBERS Social Security Numbers are required for all eligible dependents enrolled in benefits coverage. Newborns and infants will be eligible for benefits enrollment without a Social Security Number until six months of age. You will be unable to enroll your eligible dependents in coverage until a valid Social Security Number is provided. DEPENDENT VERIFICATION Proof of dependent status will be required for all new dependents enrolled in coverage. Upon enrollment, you will receive information about the required documentation and the time period in which it must be submitted. Your dependent’s coverage will be pending until proof of dependent status is confirmed. Upon verification, their coverage will be retroactive to the date of eligibility. For example, if you add a dependent during 2017 Open Enrollment, coverage will become effective January 1, 2017. Review this guide for more information about the benefit plans available to you from January 1 through December 31, 2017.

KNOW ? DID YOU

One of the requirements of the Affordable Care Act (ACA) is that health plans have to send the Internal Revenue Service (IRS) information about its members and their insurance coverage, including their Social Security Number. With the passage of ACA, everyone is required to have qualifying insurance or qualify for an exemption or they may have to pay a tax penalty. The IRS cross-checks the information in tax returns against the information health insurance plans submit for every person they cover, confirming that you and any eligible dependents have the required coverage and won’t be assessed a tax penalty.

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TAKE CHARGE OF

YOUR PHYSICAL WELLBEING

Overall wellbeing starts with a healthy body. To help you keep you and your loved ones at your best, Centrica offers the following health care programs. • Medical Coverage • Prescription Drug Coverage • Castlight • Virtual Visits • Dental Coverage • Vision Coverage You may enroll in these benefits during 2017 Open Enrollment from October 31 – November 14, 2016 or within 31 days of eligibility.

MEDICAL COVERAGE: CONSUMER CHOICE PLAN (CCP) Centrica offers the CCP to U.S. employees as part of your Total Rewards package. The CCP has three medical options to meet your needs based on your individual circumstances, including: 1. CCP-Traditional (formerly the PPO Plan) 2. CCP-Premier with Health Savings Account (HSA) 3. CCP-Standard with HSA All three CCP medical plan options are administered by UHC and provide comprehensive services and exceptional care and support. The CCP options also provide preventive care such as annual physicals and screenings at no cost to you when you use in-network providers. Additionally, you will pay less and receive higher coverage with all three options when you use in-network providers.

KNOW ? DID YOU

Centrica can offer health plans at the lowest possible cost because they are funded by the company. Centrica has contracted with UHC for administration of your benefits – which means they verify eligibility, administer claims, and manage the networks – but Centrica pays the bills and bears the risk for these costs. You pay a small portion of the cost through your premium contributions, deductibles, coinsurance, and copays, but Centrica pays all other costs. If you are enrolled in the CCPPremier and see an in-network doctor, you will pay 10% of the cost of that service (after meeting your annual deductible) and Centrica will pay the remaining 90%.

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CCP-TRADITIONAL (FORMERLY THE PPO PLAN) With the CCP-Traditional option, you have the freedom to receive care from any licensed provider. However, when you use network providers (doctors, hospitals, and other health care facilities that participate in the UHC provider network), you generally pay less. Network providers have agreed to provide services to plan members at special, discounted rates. When You Use Network Providers … • For most routine and office services, such as doctor’s visits, you pay a copay

When You Go Out of Network … • You pay the annual deductible before the cost of covered services are shared with you

• For other network medical care and services, you pay • For most covered services, you pay 40% of the 25% of the negotiated rate after you meet the deductible reasonable and customary (R&C) charges (typically the standard amount for a service in a geographical • Claims are filed for you and any necessary area), plus 100% of any charges in excess of R&C preauthorization is generally obtained by your provider • You may have to file claims yourself • You may need to obtain preauthorization from the Plan for some services In general, once you’ve met the plan deductible, you’ll pay a percentage of the cost for each service until you reach the annual out-of-pocket maximum. This percentage of the cost is called “coinsurance.” Some services, such as in-network office visits, require only a copay – a set dollar amount you pay when you visit the doctor - instead of paying the full cost of the visit HOW THE CCP-TRADITIONAL OPTION WORKS: • Preventive Care The plan provides preventive care, such as annual physicals and screenings, at no cost to you when you use an in-network provider. • Deductible For most routine and office services, you pay a copay. For other network medical care and services, you must meet the annual deductible. If you enroll in Family coverage, incurred expenses by all covered dependents apply to the Family deductible, which is embedded. That means that the plan will begin sharing in the cost of services for a family member when they reach the individual deductible and the whole family deductible does not have to be met before the plan begins paying for services for them. Additionally, coverage for prescription drugs is not tied to the deductible and begins immediately. • Coinsurance After you’ve met your annual deductible, Centrica pays a percentage of eligible expenses. You are responsible for 25% of the remaining cost of care received in-network. If you receive care out-of-network, your cost will be higher. • Out-of-Pocket Maximum If you reach the out-of-pocket maximum in a year, the plan pays 100% of your remaining covered medical and generic prescription drug expenses for the remainder of the year. You are still responsible for certain pharmacy expenses. Not sure of the benefits lingo? Review the Key Terms.

KNOW ? DID YOU

Using in-network providers saves you time and money. That’s because fees for providers in the plan network have been negotiated and are lower than what non-network providers typically charge. Also, in most cases, in-network providers will take care of any required preauthorization for you, saving you time and money.

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CCP-PREMIER AND CCP-STANDARD WITH HSA OPTIONS The CCP-Premier and CCP-Standard options are both high deductible plans and feature the opportunity to save pre-tax dollars for future medical expenses with an HSA. Similar to the CCP-Traditional, the CCP-Premier and CCP-Standard options include comprehensive medical and prescription coverage. In-network preventive care is covered at 100% with no deductible to help you and your family stay as healthy as possible. Certain preventive medications will bypass the deductible and you will only be charged the applicable pharmacy copay or coinsurance. What’s different with the CCP-Premier and CCP-Standard options is that, for most services, you’ll have to meet the deductible, which is higher than the CCP-Traditional, before the plan shares in the cost of covered services and certain prescription drugs. If you enroll your spouse or children in coverage, you and/or your dependents must meet the family deductible before coinsurance begins. Both the CCP-Premier and CCP-Standard options offer significantly lower per paycheck contributions than the CCP-Traditional medical option. In addition, you can take advantage of an HSA to set aside pre-tax savings to pay for current or future health care expenses — even after you retire or leave the company. Depending on how much health care you use in a typical year, you could save money by enrolling in one of the CCP options with HSA. CCP-PREMIER AND CCP-STANDARD To provide you with the most flexibility and choice, all plans cover the same medical services and prescription drugs and offer the same network of providers and services. However, with the CCP Premier and CCP Standard options you can take advantage of additional tax-savings by contributing pre-tax dollars to a HSA. CCP-PREMIER

CCP-STANDARD

In-Network

Out-of-Network

In-Network

Out-of-Network

Deductible

$1,500 Individual $3,000 Family

$3,000 Individual $6,000 Family

$2,500 Individual $5,000 Family

$4,500 Individual $9,000 Family

Coinsurance

10% after deductible

50% after deductible

30% after deductible

50% after deductible

Centrica HSA Contribution Centrica Premium Contribution

$600 Individual* $0 Individual $1,200 Family* $0 Family Centrica contributes approximately 75% to 90% to the cost of employee’s medical premiums based on the plan and coverage category No additional contribution 100% Employee Only coverage

* Company contributions are pro-rated for employees who join the plan after January 1.

KNOW ? DID YOU

What’s the difference between an aggregate and an embedded deductible? Let’s say you have a family of four enrolled in medical coverage and your spouse has a procedure that costs $1,800. • If you are enrolled in the CCP-Traditional option, your spouse will have met the individual $600 deductible and the remainder of their covered services for the year will be paid by the plan. • If you are enrolled in the CCP-Premier option, your spouse’s cost of services will be applied to the Family deductible but the plan will not begin sharing costs until the entire deductible has been met.

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HOW THE CCP-PREMIER AND CCP-STANDARD OPTIONS WORK: • Preventive Care The options provide preventive care, such as annual physicals and screenings, at no cost to you when you use an in-network provider. • Deductible You pay the full cost of covered services until you meet the annual deductible. In these plans there is an aggregate deductible, which means that if you are covering any of your family members, the entire family deductible must be met before the plan shares the cost of services. The deductible must also be met before the cost of prescription drugs will be shared. You can use money in your HSA to satisfy the deductible. • Coinsurance Once you meet the annual deductible, you share in the cost of services by paying coinsurance. You can use money from your HSA to pay these amounts. • Out-of-Pocket Maximum If you reach the out-of-pocket maximum in a year, the plan pays 100% of your remaining covered expenses for the rest of that year.

SAVING PRE-TAX DOLLARS WITH AN HSA An HSA is like a bank account with special features that you can use to save for future medical expenses. As long as your HSA money is used to pay for eligible medical expenses not covered by any plan – such as medical deductibles, coinsurance, braces, bandages, eye glasses and more – you’ll never pay income tax on that money. The money in your HSA rolls over from year to year so you can build your savings to cover future medical expenses—you’ll never lose unspent money. Your HSA belongs entirely to you and moves with you if you change jobs. Finally, your unused HSA money earns interest and those earnings are still tax-free. The HSA is administered by WageWorks. CONTRIBUTIONS TO YOUR HSA You may make contributions to your HSA through automated payroll deductions. You may change or stop your contributions at any time throughout the year. If you elect the CCP-Premier, Centrica will make a contribution to your HSA. The chart below shows the 2017 annual HSA maximums. CCP-PREMIER

Who Contributes

CCP-STANDARD

55+ ADDITIONAL CONTRIBUTION

Individual

Family

Individual

Family

Individual

Family

$600

$1,200

$0

$0

$0

$0

You

$2,800

$5,550

$3,400

$6,750

$1,000

$1,000

2017 Total Contribution

$3,400

$6,750

$3,400

$6,750

$4,400

$7,750

Centrica*

* Company contributions are made quarterly and pro-rated for employees who join the plan after January 1.

KNOW ? DID YOU

You can contribute the money you save each paycheck on CCP-Premier and CCP-Standard premiums to your HSA before taxes are taken out. Use it to pay for medical costs in the current year or save it for next year or the next decade and use it for future expenses. You’ll never lose your unused balance, even if you leave the company. Build your nest egg and save for medical expenses now and in the future with the CCP-Premier and CCP-Standard options. Because of the tax savings associated with the CCP-Premier and CCP-Standard options with HSA, there are specific IRS rules that apply. It’s important to understand how they work. You are encouraged to read this guide and use the online tools at www.directenergybenefits.com or www.wageworks.com before making a decision.

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TO PARTICIPATE IN THE HSA, YOU MUST: • Be enrolled in one of the CCP-Premier or CCP-Standard options. • Not be covered by any other health plan, such as a spouse’s medical plan. • Not be enrolled in Medicare, TRICARE or TRICARE for Life. • Not have received VA benefits for medical or prescription drugs in the last three months. • Not be claimed as a dependent on someone else’s tax return. • For a complete list of guidelines, please visit www.wageworks.com or www.irs.gov. Here is how the HSA works in five simple steps: START IT • After you enroll in a CCP-Premier or CCP-Standard option, you will receive a confirmation email from WageWorks and instructions to complete the set up your HSA account.

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2 BUILD IT

• Your contributions to your HSA are made on a pre-tax basis through payroll deductions. • You can rollover money from an existing HSA account; contact WageWorks for details. • Your annual contributions cannot exceed the IRS limits, including your contributions and the company’s contributions, if applicable. • You can change or stop the amount you contribute at any time. • You can also make post-tax contributions directly to your HSA through personal check. 3 USE IT

• • • •

You can use the money in your HSA to pay for covered health care expenses for you and your qualified dependents. You can use your HSA debit card to pay for qualified expenses. Withdrawals from your HSA are tax-free when used for qualified medical expenses. You don’t need to provide receipts for reimbursement — you only need to save them for tax purposes.

4 GROW IT

• Unused money in your account will roll over to the next year. • Your account will earn interest and grow over time. • Once your account reaches $1,000, you may invest your HSA account balance in available mutual funds. Any interest and other investment earnings are yours to keep. 5 KEEP IT

• You always own the money in your HSA. • You can take the account with you if you leave Centrica. A complete list of qualified HSA expenses and guidelines can be found in IRS Publication 502: Medical and Dental Expenses, available by visiting www.wageworks.com or www.irs.gov.

KNOW ? DID YOU

HSA ADVANTAGES: • Pre-tax contributions decrease your taxable income • Your account earns tax-free interest • The balance rolls over from year to year • Use it for future medical expenses, even after you retire • Take your balance with you if you leave the company • Never pay taxes if you use the funds to pay for eligible medical expenses Learn more by the reviewing the Consumer Choice Plan Options with HSA FAQ.

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DON’T FORGET YOUR BENEFICIARIES! Designating beneficiaries to your HSA ensures that if something happens to you, your assets are distributed to the people that matter most to you. • • • • • •

Log into your account at www.wageworks.com. Click on the program “Direct Energy HSA Plan.” Click on “Investment Options.” You will be redirected to BNY Mellon, click “OK.” Click on “Update Profile” and follow the prompts to add or update your beneficiaries. If you have any questions, call BNY Mellon at 888-990-5099

YOUR UHC MEDICAL PLAN When you enroll in a UHC medical plan option, you have access to a host of benefits, online tools and resources that will help you take charge of your health and wellbeing. As a UHC participant, you and your family can take advantage of state-of-the-art programs and support including: • Centers of Excellence that promote safe, successful and cost-effective treatment options for many complex medical conditions including congenital heart disease, spine and joint issues, transplant resource services, and infertility. • Employee Assistance Program provides confidential counseling to you and your family for everyday challenges as well as more serious issues (available to all employees and their dependents, even if not enrolled in a UHC medical plan option). • Healthy Pregnancy Program offers specialized services to help ensure you have a smooth pregnancy, delivery and a healthy baby. • Healthy Weight Program is a non-surgical weight management coaching program designed to help achieve longlasting weight loss, reduced health risks and an improved quality of life. • Quit for Life boasts a 49% success rate and offers individual coaching sessions, nicotine replacement therapy and unlimited access to online support tools. • Telephonic Wellness Coaching is available to help you reach your health and wellness goals including for weight, stress, nutrition, exercise, diabetes and heart health. • Virtual Visits let you bring the doctor to you when you can’t get to the doctor. MYUHC.COM All three medical options provide access to myuhc.com, which gives you personalized plan information, care choices, budgeting tools and wellness tips – all in one spot. With myuhc.com you can: • Find and price care • Know your health care costs by seeing a snapshot of your activity and benefits received to date • Manage and track your claims • Get and stay healthy with wellness tools and advice and even join a healthy living community • Receive expert advice whenever you have questions, including 24-hour access to a Registered Nurse • Get on-the-go access by downloading the UnitedHealthcare Health4Me® mobile app Detailed information about the UHC medical plan and programs will be available to help you make the most of your new benefits in 2017.

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CHOOSING THE RIGHT CCP MEDICAL OPTION FOR YOU You have choices when it comes to health care. Choosing the right medical plan option for you and your family for the year is an important first step. As you consider your options, ask yourself these questions. • How healthy is my family? • What type of medical and prescription needs do I expect to have this year? • Has my situation changed? • Am I still covering the same dependents? • Would I prefer to: › have less money taken from my paycheck and pay more when I have a medical need, OR › pay more up front so that I can have less out-of-pocket expenses when I see the doctor or get prescriptions? SAVE TIME AND MONEY WITH IN-NETWORK PROVIDERS • The fees for in-network services are set by the health plan and typically offer considerable savings over out-ofnetwork services • The in-network deductible is half the amount of the out-of-network deductible and waived for preventive care services received in-network • Centrica pays a greater percentage of the coinsurance so you pay less out of your own pocket for every in-network doctor visit or medical service • Your doctor will generally obtain any required preauthorization • You’ll also save money when using in-network providers for your dental and vision care plans and typically receive a higher level of benefits for covered services

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COMPARE YOUR OPTIONS We want you to be able to take charge of your wellbeing and make informed health care decisions for you and your family, so we’re providing the tools and resources to help. You can do that by comparing your options so you can choose the plan that’s best for you at this point in time. (Detailed information about the Prescription Drug program follows the comparison chart below.) CCP-TRADITIONAL In-Network

CCP-PREMIER

Out-of-Network

$1,500 individual $3,000 family

Out-of-Network

In-Network

Out-of-Network

$3,000 individual $6,000 family

$2,500 individual $5,000 family

$4,500 individual $9,000 family

Annual deductible

$600 individual $1,500 family

Aggregate or Embedded Family deductible

Embedded deductible: The Plan will begin sharing in the cost of services when a family member meets the individual deductible and the whole Family deductible does not have to be met first

Aggregate deductible: The whole Family deductible must be met before the plan shares in the cost of services

Out-of-pocket maximum*

$3,250 individual $6,500 family

$6,500 individual $13,000 family

$3,250 individual $6,500 family

$6,500 individual $13,000 family

$6,200 individual $12,400** family

$12,400 individual $24,800 family

Preventive care exams

Free

40% after deductible

Free

50% after deductible

Free

50% after deductible

Physician's office visit

$30 copay

40% after deductible

10% after deductible

50% after deductible

30% after deductible

50% after deductible

$45 copay

40% after deductible

10% after deductible

50% after deductible

30% after deductible

50% after deductible

Inpatient facility and services

25% after deductible

40% after deductible

10% after deductible

50% after deductible

30% after deductible

50% after deductible

Outpatient facility and services

25% after deductible

40% after deductible

10% after deductible

50% after deductible

30% after deductible

50% after deductible

Emergency care (for medical emergency)

$150 copay, $150 copay, 10% after waived if admitted waived if admitted deductible

10% after deductible

30% after deductible

30% after deductible

Specialist office visit

$1,200 individual $3,000 family

In-Network

CCP-STANDARD

HSA Contributions HSA Option

No

Yes

Yes

Who May Contribute

N/A

Centrica You

You

Centrica Contribution

$0 Individual $0 Family

$600 Individual $1,200 Family

$0 Individual $0 Family

N/A

$2,800 Individual $5,550 Family Additional $1,000 contribution allowed if 55+

$3,400 Individual $6,750 Family Additional $1,000 contribution allowed if 55+

$0

$4,400 Individual $7,750 Family

$4,400 Individual $7,750 Family

Your Maximum Contribution

Total Maximum HSA Contribution

*All expenses, including prescription drug expenses, count towards the out-of-pocket maximum. ** The out-of-pocket maximum for an individual enrolled in family coverage will not exceed the individual out-of-pocket maximum

To learn more, go to http://welcometouhc.com/centrica to compare plan options and use the my Healthcare Cost E stimator tool to compare treatment options and variations in cost. Also be sure to review the 2017 employee contributions and see how much you can save in your paycheck by enrolling in one of the CCP-Premier or CCP-Standard options.

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PRESCRIPTION DRUG COVERAGE All three medical options include prescription drug coverage through CVS Caremark. Your coverage offers: • 30-day short-term prescriptions (such as antibiotics) through all participating network pharmacies • 90-day long-term prescriptions through the mail-order drug program or available for pickup at any neighborhood CVS pharmacy • Specialty medications through the CVS Caremark Specialty Pharmacy You must show your CVS Caremark member ID card when purchasing prescriptions at network pharmacies to receive Centrica’s negotiated discounted rates. Your prescription drug coverage varies based on the type of medication you receive: generic drugs, preferred brand-name drugs on the CVS Caremark formulary, and non-preferred brand name drugs not on the formulary or specialty medications.

GENERIC DRUGS Generic drugs have the same active ingredients, high quality, strength, purity and stability as brand-name drugs, per FDA rules. They may be a different shape or color, but they are just as safe and effective. When your doctor prescribes medication, ask if there is a generic equivalent or alternative. If a brand-name drug has a generic equivalent and you purchase the brand-name drug, you will pay the difference in the retail cost between the brand-name drug and the generic drug plus the applicable brand copay. Any penalties you pay will not apply to your deductible or out-of-pocket maximum.

PREFERRED BRAND-NAME / NON-PREFERRED BRAND-NAME DRUGS Your prescription drug coverage is based on CVS Caremark’s standard formulary. The formulary is a list of preferred drugs that includes both brand-name and generic drugs. You can reduce your share of the cost by using a covered generic drug or a covered brand-name drug that appears on the formulary. Your cost will be highest if your physician prescribes a covered brand-name drug that does not appear on the formulary. The formulary also includes a list of medications that are excluded from coverage under the plan. If you elect to take a medication excluded from CVS Caremark’s formulary, you will have to pay the full cost of the drug. You can review CVS Caremark’s 2017 formulary and exclusions online at www.caremark.com. Scroll to bottom  Pharmacist & Medical Professionals  Drug Lists  CVS Caremark Performance Drug List. You may also print a copy of the formulary from the website and bring it with you the next time you visit your doctor. PRESCRIPTION DRUG COVERAGE BY CCP OPTION While all three CCP medical plan options share the same formulary and medicine types, when coverage begins varies by option (except for preventive drugs, which are provided at no cost to you when using in-network providers). • For the CCP-Traditional, copays and coinsurance apply immediately and there is no annual deductible requirement • For the CCP-Premier, copays and coinsurance apply after you meet the annual deductible requirement • For the CCP-Standard, only coinsurance applies after you meet the annual deductible requirement Just as with in-network medical providers and services, the cost of prescription drugs can vary depending on the retail pharmacy you use. Find the best price for your prescription drugs by using Castlight and know before you go. MANAGING PRESCRIPTION DRUG COSTS The cost of prescription drugs continues to skyrocket. In addition to Castlight, Centrica has implemented cost-saving measures to help minimize cost increases for the Company and employees for maintenance medications you take every day and specialty medications. CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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MAINTENANCE CHOICE • To help manage prescription drug costs, long-term or maintenance medications (such as those for high blood pressure, allergies or diabetes) must be filled online through the CVS/Caremark Mail Service Pharmacy. • You will receive a 90-day supply of your medication at significant cost savings compared to a 30-day supply. • You can choose to have your medications sent directly to any address you choose or your local CVS pharmacy for pickup, whichever is more convenient for you. • You will be automatically enrolled in this program after three fills at your network pharmacy. • If you choose not to have your maintenance medications filled through the Maintenance Choice mail service program, you may continue to have them filled in 30-day increments at a participating network pharmacy by calling Customer Care at the number on your prescription drug card.

SPECIALTY MEDICATIONS All specialty medications must be filled through the CVS Caremark Specialty Pharmacy. Specialty medicines filled through other pharmacies will not be covered. Additionally, a new copay will be applied to all specialty medications beginning in 2017. If you or a covered dependent takes a specialty medication, the CVS Caremark Specialty Pharmacy offers personalized specialized medicine and condition services, including: • 24/7 access to clinicians specially trained in your condition • Delivery of your medications to the address of your choice, including any CVS pharmacy • Insurance and financial coordination assistance CCP-TRADITIONAL

CCP-PREMIER

CCP-STANDARD

Prescription drugs – retail (30 day supply) Generic

$10 copay

$10 copay (after deductible)

30% after deductible

Preferred brand

20% coinsurance ($90 max)

20% coinsurance (after deductible, $90 max)

30% after deductible

35% coinsurance ($90 min)

35% coinsurance (after deductible, $90 min)

30% after deductible

$150 copay

$150 copay (after deductible)

30% after deductible

Non-Preferred brand Specialty

Prescription drugs - mail order (90 day supply) Generic

$20 copay

$20 copay (after deductible)

30% after deductible

Preferred brand

20% coinsurance ($225 max)

20% coinsurance (after deductible, $225 max)

30% after deductible

35% coinsurance ($200 min)

35% coinsurance (after deductible, $200 min)

30% after deductible

$375 copay

$375 copay

30% after deductible

Non-Preferred brand Specialty

KNOW ? DID YOU

CVS Caremark’s national pharmacy network covers more than 60,000 pharmacies where you can have your prescriptions filled – including most of the major grocery and pharmacy chains. WAYS TO SAVE ON RX DRUGS: • Use the CVS Caremark retail network pharmacy for short-term prescriptions • Choose generics over brand-name drugs • Take advantage of the Maintenance Choice program to save time and money

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CASTLIGHT Did you know that in-network providers can charge different amounts for the same service, even in the same ZIP code? Or that different retail pharmacies can charge different amounts for the same prescription? To help you maximize your health care dollars, Centrica offers Castlight, an online tool that lets you shop for health care, just as you would with any other purchase. With Castlight, you can quickly find out how much local in-network providers and pharmacies charge for the same service or prescription and read reviews so you can be confident that you’re not only getting the best price, but also the best care. Castlight is available to all employees and their families enrolled in one of the Centrica medical plan options. Use Castlight to: • Search for in-network providers near you • View side-by-side price comparisons for more than 1,000 common medical services • Price check prescriptions at local retail pharmacies • Read provider reviews and ratings from other Castlight users • Keep track of overall benefit expenses and deductible status year-round Find out how much you can save with Castlight. The Castlight Difference The price of medical care can vary based on where you live, the doctor you choose and the type of facility you select. The cost of medical services will also vary based on the medical plan in which you are enrolled and your coverage category. See how much you can save by “shopping for health care” and knowing before you go. The table below shows actual prices from Castlight for common medical procedures:

KNOW ? DID YOU

Procedure Adult Primary Care

Price Range in Houston, TX $33 - $267

Price Range in Pittsburgh, PA $43 - $443

MRI of the Spine

$385 - $4,432

$525 - $2,652

X-ray of the Knee

$17 - $528

$18 - $165

Based on your medical plan option, after meeting your annual deductible you will be paying 10, 25 or 30% of the cost of service. The differences in the cost of care are real and Castlight gives you the information you need to make informed decisions about how to spend your health care dollars. More expensive care doesn’t mean better care.

VIRTUAL VISITS (TELEMEDICINE) Beginning in 2017, telemedicine services will be provided by UHC, streamlining your access to medical care. When you can’t get to the doctor, have a sick child in the middle of the night or become ill while on vacation, Virtual Visits will fill the gap. Speak with a board-certified physician 24/7 about common conditions including the cold and flu, ear infections, rashes, bronchitis, allergies and more. Virtual Visit doctors can even write prescriptions, when appropriate, and send them to your local pharmacy. Call Virtual Visits when it’s not an emergency and: • Your regular doctor is not available • It’s the weekend or the middle of the night • You’re traveling or on vacation • You can’t leave your home or office to go to the doctor With Virtual Visits, you can receive access to care anywhere at any time. No more appointments or waiting rooms and your information is kept safe and secure throughout your appointment. Want to learn more about Virtual Visits? Watch this video. CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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Virtual Visits is available to employees enrolled in a Centrica medical plan option (please note that this service may not be available in your state; see myuhc.com for details). The cost for Virtual Visits is: • CCP-Traditional participants: $5 copay • CCP-Premier participants: $38 • CCP-Standard participants: $38

DENTAL COVERAGE Dental health is an important part of your overall health. Centrica offers a comprehensive dental plan so you can get the dental care you and your family need. Beginning in 2017, dental coverage will be provided from Delta Dental. You can choose from two dental options – the High and Low PPO plans. At the start of the year, the following plan enhancements will be available: • With both the High and Low Plans, the number of covered dental cleanings will be increased to four annually and will not count towards the annual maximum • For the High Plan, the annual maximum and lifetime orthodontia maximum will increase to $2,500 › If you are currently undergoing an orthodontia course of treatment in 2016 that will continue into 2017, you will be eligible for the increased lifetime orthodontia maximum The chart below will help you understand your benefit coverage and costs under the High and Low PPO plans. To find an in-network dental provider, go to www.deltadentalins.com/centrica. Dental High

Dental Low

In- and Out-of-Network

In- and Out-of-Network

Deductible Individual

$50

$50

Family

$100

$100

Annual Maximum (per individual)

$2,500

$1,500

Lifetime Orthodontia Max (per individual)

$2,500

$1,500

Diagnostic & Preventive

100%

100%

Basic

80% (after deductible)

60% (after deductible)

Major

50% (after deductible)

50% (after deductible)

Orthodontia (Children)

50% (after deductible)

50% (after deductible)

Orthodontia (Adult)

50% (after deductible)

50% (after deductible)

Coinsurance

OUT-OF-NETWORK DENTAL COVERAGE Out-of-network coverage is available and reimbursement will be based on charges that are reasonable and customary for your location. You will be responsible for any charges over that amount, and may be required to file your own claims for reimbursement.

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VISION COVERAGE Vision benefits are administered by Vision Service Plan (VSP). You may use any provider you choose, but you’ll generally save more money if you use a provider within the VSP network because providers have agreed to charge negotiated rates for services. Beginning in 2017, the following enhancements will be available: • Frame replacement for children will be increased to every 12 months • Separate $20 copays for exam and materials ($40 total) will be reduced and consolidated to a single $20 copay • Both the frames and contact lens allowances will be increased to $150 To find a participating VSP provider, log into the VSP website at www.vsp.com. In-Network – PARTICIPANT pays these amounts

Plan Features Examination

Out-of-Network Reimbursement – PLAN pays up to these amounts; participant pays the remainder

$20 Copay

Up to $45

Examination

One every 12 Months

One every 12 Months

Lenses

One every 12 Months

One every 12 Months

Frames

One every 24 Months for adults One every 12 months for children

One every 24 Months for adults One every 12 months for children

Benefit Frequency

Contacts

In lieu of glasses, 1 pair of contacts every 12 months

Covered Services Lenses Single Vision Lens

$0

Up to $30

Bifocal Lens

$0

Up to $50

Trifocal Lens

$0

Up to $65

Up to $150

Up to $105

Up to $150

Up to $70

Contact Lenses Conventional Elective Frames

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TAKE CHARGE OF

YOUR FINANCIAL WELLBEING

Maintaining your financial wellbeing is critical to your overall wellbeing. Centrica offers the following financial wellbeing programs: • Flexible Spending Accounts • Income Protection Benefits • Disability Coverage • Voluntary Group Benefits • 401(k) Plan

FLEXIBLE SPENDING ACCOUNTS (FSAs) With an FSA, you set aside tax-free money to pay for eligible expenses. When you participate in an FSA, you decide how much you want to contribute each year. Your contributions are deducted from your pay before taxes are taken out, which lowers your taxable income. The FSAs are administered by WageWorks. You may choose from three FSAs: • The Health Care FSA (for employees who elect the CCP-Traditional medical plan option or waive coverage) • Limited Purpose Health Care FSA (for employees in the CCP-Premier or CCP-Standard medical plan options ONLY and only for dental and vision expenses) • The Dependent Care FSA HEALTH CARE FSA Participants in the CCP-Traditional medical plan option or employees who have waived medical coverage can currently contribute a minimum of $250 and a maximum of $2,600 to a Health Care FSA in 2017. You can use the money in the account to cover many health care expenses that aren’t covered by the plans, including: • Medical, dental, vision and prescription drug copays, deductibles, and coinsurance • Dental work and orthodontia • Over-the-counter medications such as Band-Aids and contact lens solution • Eye exams, eyeglasses and LASIK surgery • Smoking cessation programs View a list of eligible expenses. LIMITED PURPOSE HEALTH CARE FSA Participants in the CCP-Premier and CCP-Standard medical plan options can currently contribute a minimum of $250 and a maximum of $2,600 to a Limited Purpose Health Care FSA in 2017. A Limited Purpose Health Care FSA works the same way as the Health Care FSA. However, you may ONLY use the funds to pay for eligible dental and vision expenses until you’ve met your medical deductible. View a list of eligible expenses.

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Automatic Roll Over of Health Care and Limited Purpose Health Care FSA If you participate in Centrica’s Health Care or Limited Purpose Health Care FSA, an automatic roll over feature will prevent you from forfeiting unused money in your FSA: • You may roll over a minimum of $50 and a maximum of $500 to be used on eligible expenses in the following calendar year. • You may still contribute the full $2,600 to your Health Care or Limited Purpose Health Care FSA; your prior year’s funds will be used first. To view your current balance, login to your WageWorks account. DEPENDENT CARE FSA You can currently contribute a minimum of $250 and a maximum of $2,500 ($5,000 per married couple) to a Dependent Care FSA in 2017. The Dependent Care FSA can be used to cover expenses for the care of an eligible dependent (a child up to age 13 or a dependent adult), such as nursery or day care costs, so you and your spouse (if you’re married) can work. View a list of eligible expenses.

If you’re currently participating in a Health Care, Limited Purpose Health Care and/or Dependent Care FSA, all eligible expenses must be incurred by midnight on December 31, 2016 and may be submitted for reimbursement through March 15, 2017. If you participate in Centrica’s Health Care or Limited Purpose Health Care FSA, you can roll over up to $500 in unused FSA funds from 2016 to 2017.

KNOW ? DID YOU

IS A HEALTH CARE OR LIMITED PURPOSE FSA FOR YOU? Almost everyone can save money with a Health Care or Limited Purpose FSA because you use pre-tax dollars to pay for eligible health care expenses. That can save you from 25% to 40% on your expenses, based on your tax bracket. Start off with a modest contribution and then increase your contributions over time. Visit www.wageworks.com and check out the FSA Savings Calculator to find out how much you can save on your eligible health care and dependent day care expenses.

INCOME PROTECTION BENEFITS* There are a number of company-provided and optional income protection benefits available to you and your eligible dependents. These programs are administered by Securian Life. BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE Regular full-time Centrica employees automatically receive company-paid Basic Life and Accidental Death & Dismemberment (AD&D) insurances: • Life insurance pays a benefit in the event of your death • AD&D insurance provides an additional benefit to your beneficiaries in the event of your accidental death, or to you in the case of accidental loss of limbs, eyesight, speech, hearing or paralysis. Each of these benefits is equal to up to two times your annual compensation, to a maximum of $1,000,000. Your actual amount of coverage is rounded to the next $1,000. Beginning in 2017, if your annual compensation increases during the year, your benefit amount will increase as well.

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KNOW ? DID YOU

If the value of your Basic Life or AD&D insurance benefits exceeds $50,000, the IRS will consider the amount over $50,000 imputed income for the purposes of calculating your federal taxes. For example, if the coverage of your Basic Life and AD&D insurances provided by Centrica is $75,000, the IRS requires that you pay tax on the portion of the benefit above $50,000 or on the additional $25,000 of coverage. The line for Imputed Income on your pay stub reflects your taxable earnings only and does not affect your gross pay.

LIFESUITE SERVICES Beginning in 2017, as a participant in Centrica’s Basic Life and AD&D insurances, you have access to a number of LifeSuite services at no cost to you and your family. • Travel Assistance Services will be available from Securian Life when you are traveling more than 100 miles from home. Emergency resources will be available 24 hours a day and include medical and security evacuation services, online pre-trip resources and general assistance while traveling. • Legal, Financial and Grief Resources will be available from Securian Life and can provide information and referrals about estate planning, community resources, tax preparation and planning assistance and more. • Beneficiary Financial Counseling will be available from PricewaterhouseCoopers to help beneficiaries make sound financial decisions during a difficult time. VOLUNTARY LIFE AND AD&D INSURANCE In addition to your company-paid Basic Life Insurance, you have the opportunity to purchase additional coverage for yourself in increments of $10,000 up to $1,000,000. You can also purchase coverage for your spouse and/or children. • Spousal coverage is available in increments of $5,000. The maximum amount of coverage you can purchase will be the lessor of $250,000 or 100% of the amount of employee life coverage (basic and supplemental amounts combined). • Beginning in 2017, you will no longer be required to participate in Voluntary Life/AD&D insurance for yourself to purchase spousal coverage. • Dependent (child) coverage is available in $5,000 increments up to $25,000. (Please note that AD&D benefits are not available for dependent life coverage.) NOTE: If you or your covered spouse uses tobacco products, you will be assessed a Tobacco User surcharge on the cost of your coverage.

KNOW ? DID YOU

Ready to kick the habit for good? UHC’s Quit For Life program is endorsed by the American Cancer Society and available at no cost to you if you participate in a UHC medical plan option. All employees also have access to helpful smoking cessation resources through the EAP.

EVIDENCE OF INSURABILITY As a newly eligible employee, you can elect coverage up to the guaranteed issue amount without providing proof of good health or Evidence of Insurability (EOI). If you waive coverage and wish to add or increase your amount at a later time, you will be required to complete an EOI Form. The insurance company must approve EOI before coverage can become effective. If you do not currently have Voluntary Life coverage and choose to enroll during 2017 Open Enrollment, you will be required to provide EOI. If you are currently participating, and request an increase in coverage of more than $10,000, you will also be required to provide EOI. The insurance company must approve EOI before coverage can become effective.

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DON’T FORGET YOUR BENEFICIARIES! Designating beneficiaries for Basic Life and AD&D, and Voluntary Life insurances will be required during annual enrollment and ensures that if something happens to you, your assets are distributed to the people that matter most to you. • Log into your account at www.directenergybenefits.com. • Click on “Manage Your Benefits.” • Click on the banner “Click Here to Update or Review Your Beneficiaries” and follow the prompts to add or update your beneficiaries. • If you have any questions, call the Direct Energy Benefits Center at 800-588-9806

DISABILITY COVERAGE Centrica provides all Regular full-time employees with two disability plans administered by MetLife at no cost to you. SHORT-TERM DISABILITY (STD) The STD plan pays a maximum of 70% of your pre-disability weekly earnings, up to a maximum of 26 weeks. LONG-TERM DISABILITY (LTD) If your disability extends beyond 26 weeks, the LTD plan provides a maximum benefit of 66.67% of your pre-disability earnings, up to a maximum of $8,000 per month, until you reach age 65, provided that you continue to meet the plan’s definition of “disabled.” * Please refer to Plan Documents in the Resource Center for additional details and definitions.

KNOW ? DID YOU

Your Centrica disability benefits will coordinate with any state disability benefits available so the maximum benefit won’t be higher than the amounts described. All disability leave requests should be communicated to your manager as soon as possible.

VOLUNTARY GROUP BENEFITS Centrica offers income protection benefits at group rates so that you can focus on what’s important if you and your family experience accidents, illness or loss of property. The cost of these benefits is automatically deducted from your pay on a post-tax basis. If you leave the Company, you can continue benefits by paying the premiums directly to MetLife, the program administrator. You can find additional information about these benefits on the Direct Energy Benefits Center website. CRITICAL ILLNESS Critical Assistance Advance is designed to come to the rescue of families by helping pay the costs associated with a serious illness, such as a heart attack, stroke, or cancer, as defined in the policy. You choose your benefit amount and payments can be used to cover all types of expenses, including: • Deductibles, copays, hospital bills, and other medical expenses • Child care or house-sitting for the family pet • Credit card payments and other household bills • Travel to an out-of-town hospital or treatment facility • Non-medical expenses such as missed work and house-keeping You may enroll in $15,000 or $30,000 of coverage. Coverage is also available for your spouse and eligible children for 50% of the benefit you elect. To learn more, view the plan documents located in the Resource Center. CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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ACCIDENT COVERAGE Accidents are a part of everyday life, but can cause an added financial burden to you and your family. Accident insurance pays benefits you can use for medical bills and other out-of-pocket expenses, or for any other purpose, including paying your mortgage or other bills. The benefits are paid directly to you, not to your doctor or hospital, and you can use the money toward what you need most. METLIFE AUTO & HOME* No matter where or what you call home, it is your greatest asset. Almost as important is the car or vehicle you depend on every day. Both your home and auto should be protected and have coverage you can count on. MetLife Auto & Home offers comprehensive policies, competitive rates and the expertise to help you make the right decisions to protect your assets. METLAW LEGAL SERVICES MetLaw offers convenient access to affordable legal services through a nationwide network of more than 13,000 attorneys, or from an out-of-network attorney. When enrolling in MetLaw, you receive direct access to network attorneys who provide telephone advice and office consultations on an unlimited number of personal legal matters (excluding employment issues). There are no waiting periods, dollar caps, copays or claim forms when covered services are provided by plan attorneys. Plan attorneys are carefully selected and monitored by Hyatt Legal Plans and have an average of 25 years of experience in the practice of law. You may also choose to use out-of-network attorneys.

KNOW ? DID YOU

Examples of covered legal services include: • Preparation of wills and trusts • Real estate matters • Debt matters, including identity theft defense • Consumer protection • Document preparation and review • Traffic and juvenile matters • Family law, including adoptions

HOSPITAL INDEMNITY INSURANCE Visits and stays at a hospital can be costly. Hospital Indemnity Insurance can complement your medical coverage by helping to ease the financial impact of a hospitalization. MetLife Hospital Indemnity Insurance gives you peace of mind so that you can focus more on your recovery and less on your finances. If a covered family member is hospitalized due to an accident or illness, you will receive a lump-sum payment to use as you see fit, including to help cover your health insurance deductibles, copays, incidental hospital charges (i.e., TV, phone, etc.) or for any purpose you choose. Benefits are available for you, your spouse or domestic partner and eligible children.

KNOW ? DID YOU

Hospital Indemnity Insurance isn’t just for when you are sick. It also covers: • Hospital admission or stay for accidents or illness • Accident-related inpatient rehabilitation • Health screening • Lodging if the hospital is more than 50 miles from your primary residence

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VOLUNTARY PET INSURANCE (VPI)* Pets are often members of the family and Centrica offers Pet insurance to protect your furry and feathered loved ones. Administered by MetLife, VPI policies offer nose to tail coverage, including accidents and illness and even cancer. • Insurance helps with lab fees, treatments, prescriptions, surgery and more. You may visit any licensed veterinarian worldwide. • Coverage is available for dogs, cats, birds and other exotic animals. • A separate policy is required for each enrolled pet and discounts are available for two or more pets enrolled in the plan. COMMUTER BENEFITS* Your Centrica commuter benefit allows you to set aside pre-tax dollars each month to pay for the cost of commuting between work and your home, including transit and parking expenses. Using pre-tax dollars to pay for these expenses can save you an average of 30% on the cost of your commute to work. The contribution amount is up to you based on how much you anticipate spending on commuting, up to annual IRS maximum limits. The current 2017 limits are: 1. Parking: $255 per month 2. Transit: $130 per month You may participate in either or both of the Parking and Transit features up to the current combined monthly maximum of $385. Simply decide how much to contribute each month and that amount is deducted from your paycheck and deposited into a Commuter account. From there, the money is available for you to use in a variety of ways — from having transit passes mailed to your home, using a special commuter card, to paying your providers online. You can even set the program to automatically refill your order for transit or parking passes each month. The Commuter Benefits Program is administered by WageWorks. For more information about the program, including how to register and enroll, visit www.wageworks.com. If you pay for public transportation to get to or from work or pay to park at work or a public transit facility, you can reduce your commuting costs on average by 30%.

KNOW ? DID YOU

EXAMPLES OF ELIGIBLE EXPENSES INCLUDE: • Public transit fares • Official vanpool fees • Parking passes and payment at parking meters, parking garages, or other parking locations near your place of work. There’s no “use it or lose it” policy so balances can be rolled over.

401(K) PLAN* The Centrica 401(k) Plan is an important part of your Total Rewards package. The 401(k) plan, administered by Fidelity, allows you to defer up to 90% of your salary pre-tax up to the current IRS annual maximum of $18,000 for 2017, lowering the amount of taxes you pay while saving for retirement. Additionally, if you will turn age 50 by December 31, 2017, you may make up to $6,000 in additional catch-up contributions, for a combined annual maximum of $24,000. Centrica will provide a matching contribution if you participate in the Plan. All Company contributions are immediately vested, which means that you can keep the Company contributions when you leave Centrica. The Plan also has a Roth option, which allows you to contribute after-tax money into the plan and withdraw those plus any earnings on them, tax-free when you retire (as long as the distribution is “qualified”). CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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To encourage retirement savings throughout your career, all new employees will be automatically enrolled in the plan at a contribution rate of 3%. You may change your contribution level or waive participation in the plan by contacting Fidelity within 30 days of your hire date. Call Fidelity at 800-835-5095 or visit the site at www.netbenefits.com to: • Enroll in the plan • Change your contribution amount • Roll over a 401(k) plan from a previous employer • Review plan information, including prospectuses and other fund details

DON’T FORGET YOUR BENEFICIARIES! Designating beneficiaries for the 401(k) Plan ensures that if something happens to you, your assets are distributed to the people that matter most to you. • • • •

Log into your account at www.netbenefits.com. Click on “Profile.” Click on “Beneficiaries” and follow the prompts to add or update your beneficiaries. If you have any questions, call Fidelity at 800-835-5095

* You may participate in these programs at any time.

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TAKE CHARGE OF

YOUR EMOTIONAL WELLBEING

They say that a calm minds leads to a calm body. To help you achieve emotional wellbeing, Centrica offers the following programs: • Employee Assistance Program • Back-Up Care Advantage Program • Wellbeing Programs

EMPLOYEE ASSISTANCE PROGRAM (EAP) Everybody needs help some time. When you need someone to talk to, all Centrica employees and their family members have access to the EAP – a confidential resource available at no cost to you. When you contact the EAP, a specialist will help you identify your issue and the appropriate resources to address it, including financial or legal services, or a clinician. You can receive assistance and support with a broad range of issues, including: • Depression, stress and anxiety • Relationship difficulties • Financial and legal advice • Parenting and family problems • Child and elder care support • Dealing with domestic violence • Substance abuse and recovery • Eating disorders Beginning in 2017, the EAP will be administered by UHC/Optum. Streamlining your medical care through a single provider will make it easier than ever to identify any in-network resources if you would like to receive ongoing assistance. For more information about the EAP and your behavioral health benefit, call the number on the back of your medical ID card or log on to www.liveandworkwell.com. You may also visit myuhc.com, select “Benefits & Coverage,” and click the “Mental Health and Substance Abuse” link.

KNOW ? DID YOU

The EAP is a voluntary, confidential, short-term counseling and advisory service that connects you and your eligible family members to a network of dedicated professionals who are available 24 hours a day, 7 days a week. The program provides up to 5 visits per year, per issue and unlimited telephone consultations at no cost to you. If you’d like to receive ongoing treatment through the behavioral health benefit, counselors will connect you with a clinician in your network.

BACK-UP CARE ADVANTAGE PROGRAM Back-up child and adult/elder care services are available when your usual child or adult/elder care resource is not available, such as due to school closings or holidays, provider vacation or illness. For those times, the Bright Horizons Back-Up Care Advantage Program provides safe, reliable and affordable back-up child and adult/elder care services to employees and their families.

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• You can use Bright Horizon centers or its extended network for back-up child care. Center-based care is $15 per child per day; $25 per family per day maximum (for two or more children). • You can also receive child and adult/elder care services in your home from agencies within the extended Bright Horizons network. In-home care is $6 per hour. Employees are eligible for 20 back-up days per employee per calendar year. You must be registered for the Back-Up Care Program in advance of using it. You may register at www.careadvantage. com/directenergy.

KNOW ? DID YOU

Think this program isn’t for you because you don’t have children or elderly parents? If you’re sick or injured and need a little help while you get back on your feet, you may use the adult/elder care feature of the Back-Up Care Program for yourself.

WELLBEING PROGRAMS From weight loss programs to gym discounts to informative articles, blogs and chat, Centrica offers wellbeing tools that can help keep you healthy and connected, in mind and body. WEIGHT WATCHERS Whether you’re looking to drop a few pounds, manage your Type 2 diabetes through diet and exercise or change your relationship with food for good, Centrica supports your efforts. Your good health is so important that Centrica is partnering with Weight Watchers to help you meet your goals and is sharing the cost of these programs, from 50% to 67%. Learn more about which program is right for you. Make 2017 the year you start eating your way to a healthier you. For more information, visit https://wellness. weightwatchers.com. Employer ID: 11040531, Employer Passcode: WW11040531. UHC FITNESS DISCOUNT PROGRAM All benefits-eligible employees will have access to savings on fitness equipment and fitness club memberships from leading chains nationwide, even if you don’t participate in a Centrica medical plan option. Visit www.unitedhealthallies.com to register and learn more. Please note that discounts are for new memberships only. To learn more about all of the Wellness program discounts available to you, visit Centrica’s Wellness portal. STAY CONNECTED • DE Power Chat App – Want to know more about the Centrica benefits program? How about the latest news and research about health? Or what about ways to kick your wellness into high gear? Download the DE PowerChat app and stay in the know about all things related to your benefits and wellbeing while connecting with your colleagues. › Download the DE PowerChat app and login or view articles at https://advocate.socialchorus.com/directenergy/ depowerchat/welcome › Follow us at “Benefits & Wellbeing” › Post content you’d like to share with your coworkers and be entered to win monthly prizes • Live Brighter Blog – Check out Centrica’s blog and #livebrighter. Chock full of energy efficient tips on how to green your home, lower your utility bills, clear out the clutter by demystifying what is fair game for the recycling bin, health and wellness tips for the whole family and more. Bookmark the site and check back often for new content that will help you live brighter while reducing your carbon footprint.

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KEY TERMS Understanding common benefits terms will be helpful as you consider which health care plans are right for you. • Coinsurance – The percentage you pay out of pocket for certain services after you’ve met your annual deductible. If your coinsurance is 10%, Centrica is paying the remaining 90% of the eligible expense. • Copay – The fixed dollar amount you pay out of your pocket for certain services. • Deductible – The amount you pay each year before the plan begins to cover eligible expenses. Some services, such as in-network preventive care, don’t have a deductible requirement. › Aggregate Deductible – With an aggregate deductible, the combined cost of medical and pharmacy expenses for all individuals in a family contribute to the annual family deductible before the plan will begin paying for services. Applies to the CCP-Premier and CCP-Standard plan options. › Embedded Deductible – An embedded deductible combines individual and family deductibles which means that the deductible does not have to be met equally by all members before the plan begins paying for services. Additionally, the cost of prescription drug expenses can be shared between the participant and the plan before the deductible has been met. Applies to the CCP-Traditional medical plan option. • Evidence of Insurability – Evidence of Insurability or “proof of good health” may be required when enrolling in or changing your life insurance coverage. • Health Care – The medical, prescription drug, dental and vision programs. • Imputed Income – If the value of a benefit you receive at no cost to you exceeds $50,000, the IRS will consider the amount over $50,000 as imputed income for the purposes of calculating your federal taxes. For example, if the coverage of your Basic Life and Accident Insurances provided by Centrica is $75,000, the IRS requires that you pay tax on the portion of the benefit above $50,000 or on the additional $25,000 of coverage. The line for Imputed Income on your pay stub reflects your taxable earnings only and does not affect your gross pay. • In-Network – UHC, Delta Dental and VSP negotiate discounted rates for services with a network of doctors, dentists, specialists, hospitals, labs, facilities and pharmacies, which are typically much lower than out-of-network providers and services. • Out-of-Network – Doctors and other providers outside of the Plan’s network have not agreed to negotiated rates. As a result, your cost for care, deductible, coinsurance and annual out-of-pocket maximum will be higher. • Out-of-Pocket Maximum – The maximum amount you’ll pay for medical services (includes deductible, copays, coinsurance and prescription drug costs) in a calendar year before the Plan begins paying 100% of covered services. • Preauthorization – UHC and Delta Dental require that you receive preauthorization from the plans before having certain services performed. Failure to do so may result in your claims being denied. If you use in-network providers, they will typically obtain preauthorization for you. • Premium – The amount deducted from your paycheck to pay for your benefits coverage. • Preventive Care – Preventive care is important for you and your family’s health and generally includes annual physicals, check-ups, well child and well woman visits, age-appropriate screenings and immunizations. Under the Centrica medical and dental plan options, there is no charge for preventive care when using an in-network provider. • Reasonable & Customary (R&C) – The amount typically charged for a service or procedure in a geographic location. • Self-Funded – The health care plans offered by Centrica are funded by the company. That means that Centrica pays all the costs beyond employee premiums and bears all the risks associated with the plans. Higher medical costs translate to higher medical expenses for the company.

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2017 PER-PAY EMPLOYEE CONTRIBUTIONS BENEFIT PLAN

CCP-TRADITIONAL MEDICAL PLAN OPTION

CCP-PREMIER MEDICAL PLAN OPTION

CCP-STANDARD MEDICAL PLAN OPTION

BENEFIT COVERAGE

Employee only Employee + spouse Employee + child(ren) Employee + family Employee only Employee + spouse Employee + child(ren) Employee + family Employee only Employee + spouse Employee + child(ren)

PER-PAY EMPLOYEE CONTRIBUTIONS Employees paid weekly $26.10 $59.28 $51.69 $97.82 $12.50 $27.34 $24.77 $45.11 $0.00 $10.46 $9.48

Employees paid bi-weekly $52.19 $118.56 $103.38 $195.63 $25.01 $54.68 $49.53 $90.22 $0.00 $20.93 $18.96

Employee + family Employee only Employee + spouse Employee + child(ren) Employee + family Employee only Employee + spouse Employee + child(ren) Employee + family Employee only Employee + spouse Employee + child(ren) Employee + family

$17.26 $34.53 $2.71 $5.41 $5.74 $11.47 High Dental Plan $8.61 $17.22 $11.48 $22.96 $1.61 $3.23 $3.35 $6.69 Low Dental Plan $3.77 $7.54 $5.72 $11.44 $1.27 $2.54 $2.54 $5.08 Vision Insurance $2.72 $5.45 $4.36 $8.72 CCP-Traditional participants: $5 copay Virtual Visits Visit a doctor, anytime, anywhere CCP-Premier and CCP-Standard participants: $38 Employee Assistance Program 24/7 support; up to 5 visits per year, per issue Paid Entirely by Centrica Basic Life and AD&D 2 x Basic Annual Earnings Paid Entirely by Centrica Insurance (up to $1,000,000) Short-Term Disability 70% of weekly earnings Paid Entirely by Centrica 66.67% of earnings up to Long-Term Disability Paid Entirely by Centrica ($8,000 per month) Employee: $10,000 increments (up to $1,000,000) Rate is based on elected amount Spouse: $5,000 increments (per $1,000 of coverage), age, Voluntary Life and AD&D (up to $250,000; limited to 50% of employee and the employee or spouse’s Insurance Basic Life Insurance and/or Voluntary Life smoker status Insurance election) Child: $5,000 increments (up to $25,000) Provides a lump sum payment when income Accident Coverage Rate is based on elected amount and issue age is lost due to an accident Designed to help pay for the cost of serious Critical Illness Rate is based on elected amount and issue age illness as defined in the policy CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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2017 BENEFITS ENROLLMENT To enroll in benefits for 2017, you will use the Direct Energy Benefits Center. This includes if you want to: • Make changes to any of your current benefit elections • Add, delete or change your dependent information • Enroll in or make a contribution to an HSA if you elect either the CCP-Premier or CCP-Standard medical plan options • Enroll in or make a contribution to an FSA • Enroll in or change your Voluntary Life Insurance • Enroll in or drop your voluntary benefits Remember that benefits are not one size fits all and what has worked for you this year may not meet your needs next year. Take charge of your wellbeing by actively choosing the benefits that will keep you and your family healthy and protected in the year to come. MAKING YOUR ELECTIONS You will make your 2017 benefits elections through the Direct Energy Benefits Center website or by speaking with a Representative at 800-588-9806 weekdays from 8:00 a.m. to 5:00 p.m. CST. Current Users: • Login at www.directenergybenefits.com. • Select the Open Enrollment banner and follow the system prompts to make your 2017 benefits elections. New Users: • Go to www.directenergybenefits.com. • Enter your User ID. Your User ID is your Employee ID number in an 8 (eight) digit format. For example: › If your ID number is 123456, please enter 00123456. › If your ID number is 12345, please enter 00012345. • Enter your Password. Your Password is automatically set to your birth date with two digits for month, two digits for day and four digits for year. If your birthday is May 13, 1986, you would enter 05131986. • Click Sign-In. • You will be brought to the Terms of Authorization page. You must click I Agree to access the site. • Change your Password and select a Password reminder question. • Select the Open Enrollment banner or icon and follow the system prompts to make your 2017 benefit elections. If you are unable to complete the registration process, have any questions about your benefits, or would like to make your 2017 Open Enrollment elections over the phone, contact the Direct Energy Benefits Center at 800-588-9806. Representatives are available to assist you weekdays from 8:00 a.m. to 5:00 p.m. CST. ADDITIONAL RESOURCES The following materials may be helpful to you and can be accessed online through the Direct Energy Benefits Center website under the Resources tab: • Affordable Care Act Fact Sheet – highlights the major provisions of health care reform • Benefits and Wellbeing Programs – Overview of the Centrica benefits and wellbeing programs including who is eligible and program contact information • Consumer Choice Plan Options with Health Savings Account FAQ – learn more about the CCP-Premier and CCP-Standard medical plan options and why HSAs offer triple-tax savings • Family Status Change Chart – identifies the different types of Family Status Changes, any impact to your benefits, and recommended actions to take • Summary of Benefits and Coverage (SBCs) – for each of the medical plan options • Summary Plan Descriptions – summarize the major features of the available plans including eligibility requirements, benefits covered, and your legal rights • Ways to Save – tips for how to be an informed consumer by taking advantage of pre-tax savings, spending your health care dollars wisely and maximizing your benefits CENTRICA 2017 OPEN ENROLLMENT BENEFITS GUIDE › Back to TABLE OF CONTENTS

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You also have access to a complete video library that features short videos on the following benefits topics: • COBRA • Critical Illness Insurance • Dental • EAP • Health Care FSA and Limited Purpose FSA • HSA • Legal • Life and AD&D Insurance and Supplemental Life Insurance • Open Enrollment • Short-Term Disability and Long-Term Disability • Virtual Visits • Vision REMINDER: All employees must elect or waive coverage during 2017 Open Enrollment or your enrollment period or your 2017 benefits will default as outlined below. • 2017 Open Enrollment: If you do not actively enroll in benefits during the 2017 Open Enrollment period from October 31 through November 14, 2016, your 2017 benefits will default to your current elections, except for HSA and FSA contributions and certain voluntary benefits, which will default to no coverage. Unless you have a qualifying change in status (such as a marriage or divorce, birth of a child, etc.), your next opportunity to change your coverage category or enroll in these benefit programs will be at the next Open Enrollment period in the fall of 2017 for coverage in 2018. • As a new hire or newly benefits eligible: If you do not enroll during your initial enrollment period you will not have benefits coverage, except for company-provided Basic Life and AD&D, STD and LTD insurances, unless you experience a qualified life event. Your next opportunity to enroll in the Centrica benefit programs will be at the next Open Enrollment period in the fall of 2017 for coverage in 2018.

KNOW ? DID YOU

The Direct Energy Benefits Center is your one-stop shop for questions and information about the Centrica benefits program. You may call the Direct Energy Benefits Center to: • Review your benefit options and get guidance on which programs may be best for you • Discuss the dependent verification requirements and acceptable types of documentation • Enroll in your 2017 benefits • Be transferred to any of the benefit plan administrators

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IMPORTANT CONTACTS For Questions about…

Provider/Administrator

Website

Phone Number

General Questions

Direct Energy Benefits Center

www.directenergybenefits.com

800-588-9806

Medical

UnitedHealthcare (UHC)

www.myuhc.com

844-269-5760

Prescription Drug

CVS Caremark

www.caremark.com

800-434-4864

Shop for Health Care

Castlight

https://mycastlight.com/centrica

888-722-0483

Virtual Visits

UnitedHealthcare (UHC)

www.myuhc.com

844-269-5760

Dental

Delta Dental

www.deltadentalins.com/centrica

800-521-2651

Vision

VSP

www.vsp.com

800-877-7195

Spending Accounts

WageWorks

www.wageworks.com

888-990-5099

Commuter Benefits

WageWorks

www.wageworks.com

888-990-5099

Employee Assistance Program

UHC/Optum

www.liveandworkwell.com

Life and AD&D Insurances

Securian Life

http://www.lifebenefits.com

866-293-6047

Disability

MetLife

www.mybenefits.metlife.com

800-438-6388

401(k) Plan

Fidelity

www.netbenefits.com

800-835-5095

Auto & Home

MetLife

www.mybenefits.metlife.com

800-438-6388

Critical Illness

MetLife

www.mybenefits.metlife.com

800-438-6388

Accident Coverage

MetLife

www.mybenefits.metlife.com

800-438-6388

Legal Protection

MetLife

www.mybenefits.metlife.com

800-438-6388

Hospital Indemnity

MetLife

www.mybenefits.metlife.com

800-438-6388

Voluntary Pet Insurance

MetLife

www.mybenefits.metlife.com

800-438-6388

Back-Up Care

Bright Horizons

www.careadvantage.com/ directenergy

877-242-2737

FMLA

MetLife

www.mybenefits.metlife.com

800-438-6388

Centrica Wellness Programs

http://intranetsp/de/HR/ MyWellness/Pages/Welcome.aspx

The information about the various Benefit Plans provided in this guide are brief summaries only. If any conflict is found between this guide and the official Plan Documents, the information in the Plan Document will prevail. Plan Documents and Other Plan information can be found at www.directenergybenefits.com.

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Learn more about the Centrica benefits program by visiting the Direct Energy Benefits Center at www.directenergybenefits.com

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