Notes of Interest:

Benefit Credit Change Prior to 2006 your medical credit was established on your hire date or January 1st of the current year and was set for the full calendar year, even if you had a change in parttime or full-time status. With the FlexOnline system, we have the ability to recalculate your Dartflex credit if you have such a change. Your long-term disability and life insurance coverage and cost will also be affected by this change. Therefore, if you move from full-time to part-time or vice versa, your benefit credit will change immediately. Dependent Student Certification If you have an unmarried dependent child between the ages of 19 and 25 who is enrolled in a full-time accredited secondary school, college or university and you would like to include them on your medical, dental, or dependent life insurance plan, you need to certify their student status each year during Open Enrollment. You will no longer be certifying through the insurance carriers, but will be completing the certification on FlexOnline during Open Enrollment. If you have a dependent student, you will need to reenroll each year, since they will not automatically be covered under the insurance plans, unless you complete the student certification. If you do not re-enroll by completing the student certification during open enrollment, their coverage will end on December 31, 2006. Retirement Elections If you are currently contributing the maximum voluntary retirement contribution you must alter your election each year to maintain the maximum contribution amount. The IRS Limits are subject to change on an annual basis. If you do not wish to change the amount of your contribution, it is not necessary to change your election. Your current contribution will remain in effect. Frequently Asked Questions Refer to http://www.dartmouth.edu/~hrs/pdfs/ benefits_faq.pdf for the answers to some frequently asked benefits-related questions.

Your Benefit Options

Levels of Coverage. You may choose individual, two-person, or family coverage for medical, dental, or dependent life insurance. Two-person or family coverage includes your spouse, same-sex domestic partner, and unmarried dependent children up to age 19 or up to age 25 if full-time students. Please refer to the Summary Plan Description for further details regarding eligible dependents and the tax implications of domestic partner coverage. Medical Dartmouth offers three different health plan choices covering medical needs ranging from catastrophic expenses to preventive and routine care. You can elect either the Indemnity plan; Preferred Blue, a Preferred Provider Organization (PPO) plan; or Blue Choice, a Point of Service (POS) managed care plan. All plans are administered by Anthem Blue Cross and Blue Shield of New Hampshire. The customer service line for Anthem is 1-800-437-9282, or you can visit their Web site at www.anthem.com. Life Insurance You will automatically receive 2.5 times your annual salary in life insurance coverage after your one year anniversary in a benefit eligible position. The effective date will be the first of the month following your anniversary date and will be at no cost to you. Dependent Life You can elect dependent life insurance during the open enrollment following one year of service. The coverage amounts are $25,000 for spouse or same-sex domestic partner and $10,000 for each child. The premium for Dependent Life Insurance cannot be taken on a pre-tax basis, therefore imputed income is listed on your paycheck and your W-2 as taxable income. Long-Term Disability Employees who have completed three years of service in a benefit eligible position are eligible for Long-term disability coverage during their anniversary month. Union employees who are currently covered under the LTD plan at 60% of pay replacement may elect to purchase 70% of pay replacement during open enrollment.

Three Medical Plans Indemnity Preferred Blue (PPO) Blue Choice (POS) Dental Premier Dental plan is with Northeast Delta Dental. It offers preventative coverage at 100%, restorative at 80%, and prosthodontics at 50%. The maximum annual coverage is $2000 for each member. The plan does not provide coverage for orthodontia. For a list of providers, visit the Delta Web site at www.nedelta.com, or contact the customer service line for Northeast Delta Dental at 1-800-832-5700.
Flexible Spending Account for Health Care You can set up an account for up to $5000 in the calendar year to keep money tax free. This amount is taken in equal increments from your paycheck pre-tax. You can then submit claims for eligible health expenses not covered by medical and dental insurance for reimbursement and the money will never be taxed. For example your co-pays, co-insurance, and deductibles are eligible for this account. Also certain over-the-counter drugs can be reimbursed. Any services and purchases must occur during the time the account is in effect. But due to a new tax ruling, the health care flexible spending account may reimburse qualifying expenses incurred during the year or during the first 21/2 months (March 15, 2007) of the following year. If you have an account in effect in 2006, you may submit expenses incurred at any time during 2006 or during the first 21/2 months of 2007. If you expect to obtain reimbursement in 2007 from your 2006 HCFSA be sure to take this into account in deciding how much you want to contribute to your 2007 account. An expense may be reimbursed only once. In order to claim money from the account, you must have eligible expenses, therefore be sure you understand this use it or lose it provision before making your election. Unused balances will be forfeited by IRS rules. For more details on setting up an account, please refer to the Summary Plan Description or visit the Crosby Benefits Web site at www.crosbybenefits.com for a list of eligible of expenses. Our plan is administered by Crosby Benefits Inc., and claims are submitted directly to them. Claims for 2007 can be submitted throughout the year but received by Crosby Benefits no later than March 31, 2008.
Additional Benefit for SEIU Members SEIU members are automatically given $250 in a Flexible Spending Account whether you make a voluntary election or not. Part-time and mid-year new hire amounts are prorated. The same rules apply for this account as in the voluntary Flexible Spending Account.

Medical Plans

Indemnity Plan.
An Indemnity Medical Plan is a fee-for-service indemnity plan where subscribers are responsible for paying a deductible for medical expenses. When the out-of-pocket maximum is reached, this plan pays covered expenses at 100% up to the Maximum Allowable Benefit (MAB). Please note that mental health, alcohol, and drug treatment have a coinsurance amount of 20% once the deductible is reached. The $1500 is an accumulation of the MAB for eligible expenses. the MAB when they receive services from a participating provider. For up to date information on participating providers call Anthem BCBSNH at 1-800-437-9282 or visit their Web site at: www.anthem.com. 3-Month Carry Over of Deductible Medical expenses incurred in the last three months of a calendar year (October, November, December) which were applied toward the covered members deductible, will also count toward that members Indemnity deductible in the following calendar year. Mental Health, Alcohol, and Drug Treatment - Unlike other covered expenses, covered mental health, alcohol, and drug treatment are paid at 20% coinsurance of the MAB after the member has met their deductible. There is no out-of-pocket maximum for these expenses. Prescription Drugs - Prescription drugs are covered the same as any other eligible expense and are processed by Anthem Prescription Management. You pay the full cost for your prescription up front and are reimbursed by Anthem BCBSNH after you have met your deductible.

Important Features

Maximum Allowable Benefit (MAB) Medical claims covered by the plan are paid according to the Maximum Allowable Benefit, determined by Anthem Blue Cross and Blue Shield of NH (Anthem BCBSNH). When services are received outside the state of New Hampshire Network, Anthem BCBSNH will use the Maximum Allowable Benefit of that states Blue Cross organization to determine the appropriate payment. Participating Provider - Subscribers are protected from paying charges over and above

INDEMNITY MEDICAL PLAN

Medical Plan Indemnity Amount of Deductible $1,500 individual $3,000 two-person or family Co-insurance (% paid by subscriber) N/A* Annual Out-of-Pocket Maximum $1,500 individual $3,000 two-person or family

*The co-insurance amount is paid at 20% for mental health, alcohol, and drug treatment claims after you have met your annual out-of-pocket maximum.

Preferred Blue (PPO)

Preferred Blue is a Preferred Provider Organization (PPO). The PPO is similar to a traditional indemnity plan in that participants coordinate their own care and are not required to get a referral from a primary care physician (PCP). The PPO allows access to national networks of doctors, hospitals, and other care providers. Mental Health and Substance Abuse Services To receive in-network benefits for these services, you must call the Behavioral Health Network (BHN) at 1-800-228-5975. They will refer you to a network provider. You are not required to consult your PCP for these services. If you choose to receive alcohol, drug, or mental health services from a nonBHN network provider, these services would be covered as out of network. You will still need to call BHN to notify them that you are receiving care from an out-of-network provider so that Anthem can process your claims correctly. Prescription Drugs The cost of prescription drugs is $5 for generic, $15 for formulary brand, or $30 for non-formulary brand. You can also obtain a 90-day supply at these rates by placing a mail order with Anthem Prescription Management. Call 1-800-962-8192 or visit the www.anthem.com Web site for member services. Routine Eye Exam Preferred Blue provides coverage for one routine eye exam per year for each member 18 years old or younger and one exam every two years for members 19 years old or older. Fitness Incentive A Preferred Blue subscriber can receive up to $200 reimbursement for the cost of joining a participating health club. Proof of exercise is required. For details call 1-800-437-9282, or refer to the Your Lifestyle directory.
Maximum Allowable Benefit Services are covered up to the Maximum Allowable Benefit (MAB). Network providers agree to accept the MAB as payment in full. However, if you receive services from an out-of-network provider, it is your responsibility to pay the difference between the MAB and the providers charge. Referrals The PPO plan offers members the ability to see any in-network specialty physician without referral from a PCP. In-Network Refers to the use of providers who participate in the health benefit plans provider network. A PPO requires members to use participating providers to receive the highest reimbursement. Out-of-Network Refers to the use of providers who are out-of-network providers. PPO members can go out of the network, but may pay some additional costs.

Blue Choice

Blue Choice is a managed care, Point-OfService plan. If you elect Blue Choice, you must have a Primary Care Physician for you and your dependent(s) in order to receive network benefits. The Blue Choice chart outlines the three options available to you in this plan. The network for Blue Choice refers to NH based and some VT providers. Mental Health and Substance Abuse Services To receive Option 1 benefits for these services you must call the Behavioral Health Network (BHN) at 1-800-228-5975. They will refer you to a network provider. You are not required to consult your PCP for these services. If you choose to receive alcohol, drug, or mental health services from a nonBHN network provider, these services would be covered under Option 3. You will still need to call BHN to notify them that you are receiving care from an out-of-network provider so that Anthem can process your claims correctly. Providers outside the network are paid the Maximum Allowable Benefit (MAB). See page 7 for more information on MAB. Prescription Drugs The cost of prescription drugs is $5 for generic, $15 for formulary brand, or $30 for non-formulary brand. You can also obtain a 90-day supply at these rates by placing a mail order with Anthem Prescription Management. Call 1-800-962-8192 or visit the www.anthem.com) Website for member services. Annual Eye Exam Blue Choice provides for one annual eye exam from a network provider, subject to the $10 office visit co-payment, and a $40 reimbursement toward the cost of frames, lenses, and contacts in conjunction with the exam. This is also available under Option 3, subject to the deductible. Fitness Incentive A Blue Choice subscriber can receive up to $200 reimbursement for the cost of joining a participating health club. Proof of exercise is required. For details call 1-800-437-9282, or refer to the Your Lifestyle Directory.

Primary Care Physician (PCP) If you elect Blue Choice you should call Anthem Blue Cross and Blue Shield within thirty (30) days of enrollment to choose a Primary Care Physician (PCP) from the Blue Choice network of providers, for yourself and any family members you are covering under the plan. To choose your PCP or to find out about physicians in the network, call 1-800-437-9282 or visit the Anthem Web site at www.anthem.com. Option 1 Benefits What you receive when you go to your PCP or to a provider you are referred to by your PCP. Option 2 Benefits What you receive when you use a Blue Choice network provider but are not referred by your PCP. Option 3 Benefits What you receive when you go out of network. You will need to call Blue Choice Managed Care at 1-800-531-4450 to precertify certain services.

Dental Plan

Northeast Delta Dental is the dental insurance carrier. The Premier Dental plan offers preventative coverage at 100%, restorative at 80%, and prosthodontics at 50%. The annual coverage is up to $2000 for each member. The plan does not provide coverage for orthodontia. For a list of providers, visit the Web site at www.nedelta.com or call the customer service department (1-800-8325700). When members go to a participating dentist that participates with Northeast Delta Dental, they are protected from paying any amount over and above the Usual, Reasonable, and Customary charge. To find out if a dentist is in the Northeast Delta Dental network, call the Customer Service Department (1-800-8325700), visit the Web site (www.nedelta.com) or call the dentists office. There is no waiting period for coverage.
This plan does not have a deductible. Benefits are paid at a coinsurance amount, based on the Usual, Reasonable and Customary charge established by Northeast Delta Dental.

PREMIER DENTAL PLAN

Dental Services
Diagnostic/Preventative care Basic Restorative care Major Restorative/ Prosthodontics Orthodontia
Amount of Coverage by Insurance

100% 80% 50%

Amount of Cost to You

0% 20% 50%

Annual Maximum of Combined Services
$2000 per person per calendar year

no coverage

DENTAL COST (BI-WEEKLY)
Single $20.03 Two Person $35.66 Family $61.55

PURCHASING YOUR BENEFITS

College Contribution: Your medical credit is the Colleges contribution toward your insurance benefits. This amount is based on your medical election, your fulltime equivalent, and your annual salary. Your allowance has been calculated and is shown on your worksheet. Use the medical credit according to the number of dependents you are covering on medical insurance (i.e., no coverage, single, two-person, or family). Calculate your costs: Subtract contribution from your total costs. your college Your final costs: This is your out-of-pocket cost. If the cost exceeds the credit, you will have a payroll deduction from your salary. MEDICAL OPT OUT If you elect no medical coverage, enter the information of your current plan in the space provided on the on-line enrollment.
MEDICAL PLAN BI-WEEKLY PRICES
Medical Plans Option 1No Coverage Option 2$1,500 / $3,000 Deductible Option 3Preferred Blue Option 4Blue Choice One-Person $0 $218.70 $232.38 $227.18 Two-Person $0 $437.40 $464.74 $455.63 Family $0 $590.49 $627.40 $615.11
COLLEGE CONTRIBUTION FORMULA
Annual Salary $20,000 or Less $21,000 to $59,000 One-Person Coverage $227.18 $227.18 Two-Person Coverage $437.40 $437.40 minus $3.10 per $1,000 over $20,000 $313.47 Family Coverage $590.50 $590.50 minus $4.19 per $1,000 over $20,000 $423.20

$60,000 or More

$227.18
*These bi-weekly figures are divisions of the monthly formula rounded to the nearest cent.

COLLEGE CONTRIBUTION

equals

NET COST

RETIREMENT PLANS

Introduction

The Dartmouth College retirement program consists of two parts: Dartmouth contributions made on your behalf under the Defined Contribution Retirement Plan or the Defined Benefit Plan and voluntary contributions by you under a Supplemental Retirement Account. For technical reasons under the tax laws, these three programs are separate. Defined Contribution Retirement Plan. Dartmouth makes regular contributions on your behalf, with no contributions required from you. All eligible new hires enter this plan. Def ined Benef it Retirement Plan. This plan is designed to provide you with a monthly benef it when you retire after a career at Dartmouth College. Supplemental Retirement Account (SRA). You can voluntarily contribute to an SRA to increase retirement savings. grandfathered in the Defined Benefit Retirement Plan, or employees classified as Research Fellow. Refer to the Summary Plan Description for further information on eligibility. Contributions Dartmouth makes regular per pay period contributions on the participants behalf. The amount is based on a percentage of base salary and increases with age. Age Percentage of Base Salary 3% 5% 35 and older 10% Increases are effective with the first pay period starting after your birthday.

Supplemental Retirement Account (SRA)
All regular employees are eligible to participate in this tax-deferred retirement plan, which lets you put money aside before you pay taxes. You do not pay federal income taxes on the contributions, or the interest the contributions earn, until you receive the money from your account. Participation in this plan is voluntary.

Contribution Amounts

Minimum Amount. The minimum amount you can contribute to an SRA is $16 per month, or $192 per year, per Investment Company. Maximum Voluntary Pre-Tax Contributions. Due to recent changes in the tax laws, the pre-tax voluntary contribution limits for SRA plans have been simplified. You may contribute the lesser of 100% of pay or a fixed amount of $15,500. Age 50+ Catch-Up Contributions. If you are age 50 or older before the end of 2006, you may make an additional catch-up contribution to your SRA of $5,500 per year. 15-Year Special Catch-Up. You may be eligible to make an additional contribution called a 15-Year Special Catch-Up. This is in addition to your Voluntary Pre-Tax Contributions and Age 50+ Catch-Up Contributions (if eligible). This applies if you have 15 or more years of service at Dartmouth. If you are eligible, this Special Catch-Up amount will be reflected on your personal benefits worksheet and on the Retirement Plan Elections page on the FlexOnline enrollment.
The Advantages of Pre-Tax Investments
Saving on a before-tax basis reduces the federal income taxes you pay each year. Also, by starting to save early, you can increase the amount you may have at retirement. For example, by investing $1,000 a year starting at age 25, you could earn $165,000 by the time you retire at age 65 (assuming an average return of 6%). If you wait until age 35 to begin saving the same amount (assuming the same return) youll have $84,000. And if you dont start saving until age 45, youll have earned only $39,000 by the time you retire.
$200,000 $150,000 $100,000 $84,000 $50,000 $$39,000 $165,000
total personal contribution $40,000
total personal contribution $30,000 total personal contribution $20,000
Contributions Outside the Dartmouth Plan
The contribution limits described here consider only your pay and contributions related to your employment at Dartmouth. If you actively contribute to more than one SRA (also known as Section 403(b) or tax-sheltered annuities) or to a Section 401(k) plan of another employer, you should be aware that the limit must be reduced by your elective contributions to these other plans. In addition, if you have selfemployment income and contribute from it to a qualified (or Keogh) plan, or if you own a corporation, such plan contributions made on your behalf must be taken into account when determining your contribution limit. It is your responsibility to notify the Benefits Office if any of these circumstances apply to you and to obtain any necessary tax advice from your own advisors to avoid over-contributions and possible related tax penalties. You decide where to invest your account from among investment fund options offered by each of these Investment Companies. Since you choose the investments for your account, you are responsible for the investment results achieved. Dartmouth and the Plan Administrator are not responsible for your investment choices or the investment results achieved. Before making any decisions, you should familiarize yourself with the investment policies, goals, and historical performances of the investment options that you are considering by reading their prospectuses. For guidance on investment options, contact the Investment Companies directly at their tollfree telephone numbers. You may also schedule one-on-one consultations with an Investment Company representative during their regular visits to Dartmouth. To schedule a meeting with the Calvert representative, call (800) 327-2109 ext. 8; with the Fidelity representative, call (800) 642-7131; or with the TIAA-CREF representative, call (800) 842-2004 or log on to www.tiaa-cref.org/moc.

TIAA-CREF

Guaranteed TIAA TRADITIONAL - Fixed dollar annuity that guarantees a return of principal and a specified rate of interest. In addition, there is an opportunity for growth through dividends, which have been declared for the last 45 years. Equity Funds (including:) Total Stock Market Funds CREF Stock (80% US/20% Foreign) Equity Index (Russell 3000) Large Cap Large Cap Value CREF Growth Mid Cap Mid Cap Value Mid Cap Growth Small Cap Small Cap Equity International CREF Global International Equity Socially Responsible CREF Social Choice (Balanced Fund) Social Choice Equity Real Estate TIAA Real Estate Fund (primarily real estate) TIAA Real Estate Securities (real estate equities) Fixed Income CREF Bond Market CREF Inflation Linked Bond (TIPS) No No Yes, please refer to the prospectus. Yes, subject to certain limitations, and if transferee (receiving company) will accept the transfer. Yes, $1,000 or account balance, if less (restrictions apply to TIAA Traditional). No No Yes, via internet or phoning TIAA-CREF. Yes, $1,000 or account balance, if less (restrictions only apply to TIAA Traditional). No No Anytime Quarterly
Are there any front-end load charges? Are there any maintenance charges? Are there any management fees? Can I transfer money to another company in the Dartmouth Retirement Plan? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges or fees for such a transfer? Can I transfer funds within this company? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges/fees etc.? When can I start an annuity? When do I receive a statement of my account? What happens to my investment if I leave Dartmouth? Can I cash in and pay applicable taxes? Can I leave the money on deposit? Can I roll over the money to another retirement investment? Can I transfer money to another company in the SRA program?
No No Yes, please refer to the prospectus. Yes, subject to certain limitations, and if transferee (receiving company) will accept the transfer. No No No Yes, via internet or phoning Calvert. No No No Anytime Quarterly
No Yes, varies subject to plan assets. Yes, please refer to the prospectus. Yes, subject to certain limitations, and if transferee (receiving company) will accept the transfer. No No No Yes, via internet or phoning Fidelity. Yes, $250 or account balance, if less. No Yes, for exchanges between select portfolios and some short-term redemptions. Anytime Quarterly
Yes, subject to limitations, certain withdrawals will be subject to an additional tax. Yes, subject to federal requirements. Yes, for further information, contact your tax advisor. Yes, if transferee (receiving company) will accept transfer.

This chart summarizes certain administrative facts about the funds available, but it is not a prospectus or other official statement about any fund. You should read the fund prospectus before choosing to invest in it.
Dartmouth Supplemental Retirement Accounts (SRA) Comparison Summary
Guaranteed TIAA TRADITIONAL - Fixed dollar annuity that guarantees a return of principal and a specified rate of interest. In addition, there is an opportunity for growth through dividends, which have been declared for the last 45 years. Equity Funds (including:) Total Stock Market Funds CREF Stock (80% US/20% Foreign) Equity Index (Russell 3000) Large Cap Large Cap Value CREF Growth Mid Cap Mid Cap Value Mid Cap Growth Small Cap Small Cap Equity International CREF Global International Equity Socially Responsible CREF Social Choice (Balanced Fund) Social Choice Equity Real Estate TIAA Real Estate Fund (primarily real estate) TIAA Real Estate Securities (real estate equities) Fixed Income CREF Bond Market CREF Inflation Linked Bond (TIPS) No No Yes, please refer to the prospectus. Yes, if transferee (receiving company) will accept the transfer. Yes, $1,000 or account balance, if less (restrictions apply to TIAA Traditional). No No Yes, via internet or phoning TIAA-CREF. No No No Yes, call TIAA-CREF for more information. Subject to federal restrictions, some withdrawals incur additional tax: see a tax advisor. Partial withdraw minimum: $1,000 each month. Anytime Salary Reduction Agreement Quarterly
Are there any front-end load charges? Are there any maintenance fees? Are there any management fees? Can I transfer my money to another company in the SRA program? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges or fees for such a transfer? Can I transfer funds within this company? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges/fees etc.? Can I take a loan from my SRA accumulation? Can I withdraw money at any time other than at retirement or when I begin to draw an annuity? When can I start an annuity? How do I make contributions to the funds? When do I receive a statement of my account? What happens to my investment if I leave Dartmouth? Can I cash in and pay applicable taxes? Can I leave the money on deposit? Can I roll over the money to another retirement investment? Can I transfer money to another company in the SRA program?

No No Yes, please refer to the prospectus. Yes, if transferee (receiving company) will accept the transfer. No No No Yes, via internet or phoning Calvert. No No No No Subject to federal restrictions, some withdrawals incur additional tax: see a tax advisor. Anytime Salary Reduction Agreement Quarterly
No Yes, varies subject to plan assets. Yes, please refer to the prospectus. Yes, if transferee (receiving company) will accept the transfer. Yes, $250 or account balance, if less. No. No Yes, via internet or phoning Fidelity. Yes, $250 or account balance, if less. No Yes, for exchanges between select portfolios and some short-term redemptions. Yes, call Fidelity for more information. Subject to federal restrictions, some withdrawals incur additional tax: see a tax advisor. Anytime Salary Reduction Agreement Quarterly

How to Enroll

Enrollment in seven easy steps:
1. Review this booklet for important plan information. 2. Review and complete your benefits worksheet. 3. Review the FlexOnline Guide. 4. Log on to FlexOnline via a link on the Benefits home page http://www.dartmouth.edu/~hrs/benefits/ or Directly at the FlexOnline home page http://benefits.dartmouth.edu 5. Enter the Log ID (which is located on your worksheet) and password which for new users is the last four numbers of Social Security number. 6. Enter and confirm your elections. 7. Print your confirmation statement. Address Changes: Anthem Blue Cross and Blue Shield of New Hampshire and Northeast Delta Dental receive your address electronically from Dartmouth College. If your address changes, please notify the Dartmouth Payroll Office by email at Dartmouth.payroll@dartmouth.edu and request a change to your benefits address or complete an Employee Information Change Form. To change your address with the retirement company, contact them directly at their toll-free number. Dependent Student: If you have a dependent who has reached the age of 19 and is enrolled full-time in an accredited college (twelve credits per semester), you must complete a Student Certification Form on-line each year during open enrollment. If you do not certify them as students, the coverage will automatically end effective December 31, 2005. If your dependent graduates or discontinues their student status, you will need to go on-line to make the appropriate changes. An extension of coverage through COBRA will be available at that time.

Other important points

Deadline: During open enrollment, you must complete your on-line enrollment by November 3, 2006. If you do not enroll during open enrollment you will remain in the same plan which you are presently enrolled with the exception of the Flexible Spending Accounts which the IRS requires be elected on an annual basis. New Hire: If you are a new hire, you must elect benefits within thirty (30) days from your date of hire or attendance at Orientation, or you will be enrolled in the default coverage. Default coverage is the Indemnity medical plan and the Fidelity Retirement Freedom Fund.

Retirement Enrollment

Please keep in mind that if you are currently contributing your 2006 contribution limit and would like to contribute your new 2007 contribution limit, you MUST complete the on-line election form requesting the change. Your per pay period contribution amount will NOT automatically change simply because your limit has increased. Note: No changes will be made until you have completed the FlexOnline election process. If you are making no changes to your per pay period contribution amount or to the Investment Company in which your retirement account is invested, you do not need to do anything at this time.
Glossary of Benefit Terms
BENEFICIARY An individual designated by the employee to receive proceeds or benefits from the employees life insurance or retirement plans. CHANGE IN STATUS A life event such as marital status change, birth or death of a dependent, dependent eligibility change, or job status change, that allows an employee to change benefit elections at a time other than Open Enrollment. COBRA (CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT) A Federal Law that allows employees and their dependents to continue insurance coverage after a qualifying event such as a loss of eligibilty or termination of employment resulting in a loss of coverage. Cost is at the total premium rate, plus an administration fee. CO-INSURANCE After the deductible has been paid, this is a percentage the member pays for covered services. CO-PAYMENT A fixed dollar amount you pay for certain services under a managed care plan or Preferred Provider Organization. DEDUCTIBLE The annual out-of-pocket payment that you make before the plan begins to pay for your health care. DEPENDENT An individual such as a child, same-sex domestic partner, or spouse that is eligible for coverage under the employees insurance plans. IMPUTED INCOME If the employer provides a medical and/or dental benefit to someone other than a tax dependent, the value of the benefit provided is includable in the gross income of the employee for tax purposes. Aditionally, the value of group term life in excess of $50,000, and dependent life, is taxable and reported on the employees W-2 form. INDEMNITY PLAN This plan requires subscribers to pay a set deductible before the plan pays any of the cost of health care. Participants also pay a co-insurance amount for some ongoing services. MANAGED CARE/POINT-OF-SERVICE PLAN (BLUE CHOICE) A plan that has a fixed co-payment amount for medical expenses, if using a Primary Care Provider. It has a network of preferred providers, and options with deductibles for out-of network services. NETWORK Hospitals and providers having an agreement with a health plan company to make covered services available to members. OPEN ENROLLMENT The annual period during which employees re-enroll or have the option to change their benefit selections. OUT-OF-NETWORK Services that you receive from a non-participating provider. Services require deductible and coinsurance payments. OUT-OF-POCKET MAXIMUM The deductible amount added to your co-insurance maximum. Once the out-of-pocket maximum is met, covered services are paid at 100% of the allowed charge for the rest of the calendar year. Co-payment amounts will continue to apply. PREFERRED PROVIDER ORGANIZATION (PPO) A PPO health insurance plan has a network of participating providers who are local, national and international. This plan has a fixed co-payment amount for medical expenses in the network and deductible and co-insurance for expenses incurrred outside the network. PRIMARY CARE PROVIDER (PCP) A physician who coordinates health services and issues referrals for an employee or covered dependents. Also known as a Primary Care Physician. REFERRAL The approved authorization or recommendation from your Primary Care Provider for medical services.

Anthem Blue Cross and Blue Shield of NH Toll-free Phone Number: 1-800-437-9282 Web site: www.anthem.com Anthem Prescription Management (APM) Toll-free Phone Number: 1-800-962-8192 Web site: www.anthem.com Behavorial Health Network Toll-free Phone Number: 1-800-228-5975 Crosby Benefit Systems Toll-free Phone Number: 1-800-462-2235 Web site: www.CrosbyBenefits.com Northeast Delta Dental Toll-free Phone Number: 1-800-832-5700 Web site: www.nedelta.com MetLife Toll-free Phone Number: 1-800-638-6420 (effective 1/1/05) Web site: www.metlifeiseasier.net Calvert Toll-free Phone Number: 1-800-368-2745 Web site: www.calvert.com Fidelity Investments Toll-free Phone Number: 1-800-343-0860 Web site: www.fidelity.com/atwork TIAA-CREF Toll-free Phone Number: 1-800-842-2776 Web site: www.tiaa-cref.org
Benefits Office Phone Number: (603) 646-3588 Email: Human.Resources.Benefits@Dartmouth.EDU Web site: www.dartmouth.edu/~hrs
Summary Plan Descriptions and Life Insurance Certificates are located on-line at www.dartmouth.edu/~hrs/benefits/index.html or you may contact the Benefits Office to receive a printed version. The plans maintain a privacy notice, which provides a complete description of your rights under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). For a copy of the notice please contact the Benefits Office. If you have questions about the privacy of your health information, contact the privacy official.

October 2006

DARTMOUTH COLLEGE

Dartflex Benefits

Enrollment Information Booklet
For Faculty, Exempt and Non-Exempt Staff, and IATSE Union Employees

November 2010

Table of Contents
Page ELECTION OPTIONS FOR 2011.... HOW TO ENROLL.... YOUR BENEFIT OPTIONS... 3
MEDICAL PLANS.... 6 INDEMNITY PLAN.... 6 PREFERRED BLUE PLAN (PPO)... 7 BLUE CHOICE PLAN (POS).... 9 DENTAL PLAN.... 11 PURCHASING YOUR BENEFITS... 12 RETIREMENT PLANS.... DEFINED CONTRIBUTION PLAN.... CONTRIBUTIONS.... DEFINED BENEFIT PLAN... VESTING..... 13
SUPPLEMENTAL RETIREMENT ACCOUNT (SRA).. 14 401(A) EMPLOYER MATCHING CONTRIBUTION... 14 CONTRIBUTION AMOUNTS... 14 CONTRIBUTIONS OUTSIDE THE DARTMOUTH PLAN.. 15 INVESTING YOUR CONTRIBUTIONS... 15 CHANGING INVESTMENTS.... 16 YOUR ELECTIONS.... 16 DEFINED CONTRIBUTION COMPARISON... 17 SRA COMPARISON.... 18 GLOSSARY OF BENEFIT TERMS... 19 FOR MORE INFORMATION.. INSIDE BACK COVER
Election Options for 2011
This booklet provides an overview of the Dartflex and retirement benefit programs offered to eligible employees of Dartmouth College. It contains a summary of your benefit choices and includes important reminders, changes for 2011, and information about how to enroll online.

Your Choices

Open Enrollment is held once each fall. This gives you the opportunity to choose the benefits that are right for you and your family for the upcoming year. You can make elections or changes to the following options: Medical Insurance Dental Insurance Long-Term Disability Life Insurance Dependent Life Insurance Medical FSA Dependent Care FSA Long-Term Care Defined Contribution Retirement Plan Supplemental Retirement Account (SRA) Health Savings Account

For More Information

The benefits you elect will remain in effect for the entire calendar year of 2011 unless you have a qualified change in family or employment status. You can find more information about Dartmouths benefits at http://www.dartmouth.edu/~hrs/benefits/.
This booklet is not a Plan document. Instead, it is a summary of coverage and benefits under the Plans. Not every limitation or detail of any of the Plans is included in this booklet. Every attempt has been made to provide concise and accurate information. However, if there is a discrepancy between this booklet and the official Plan document for any of the Plans or the Certificate of Coverage issued by Anthem Blue Cross and Blue Shield of NH, Northeast Delta Dental, or MetLife Insurance Company, the Plan document or Certificate of Coverage shall control. The College has a right to change or terminate these benefits at any time at its discretion. Change may be approved by the Board of Trustees (or its Executive Committee), the President of the College, Executive Vice President of the College, or by another official to whom one of these has delegated the amendment power. If you have questions about these or any Dartmouth College benefits, call the Benefits Office at 1-603-646-3588.

How to Enroll

Enrollment in six easy steps:
1. Review this booklet for important plan information. 2. Review the FlexOnline Guide. 3. Go to the Benefits home page at http://www.dartmouth.edu/~hrs/benefits then link to the FlexOnline page at http://benefits.dartmouth.edu 4. Enter your Log ID and PIN (which for new users is the last four numbers of Social Security number). 5. Enter and confirm your elections. 6. Print your confirmation statement. monies. If you have medical coverage elsewhere, you should elect no coverage or you will be defaulted into Dartmouths medical plan effective your date of hire Address Changes: Anthem Blue Cross and Blue Shield of New Hampshire and Northeast Delta Dental receive your address electronically from Dartmouth College. If your address changes, please notify the Dartmouth Payroll Office by calling 603-646-2697 or by email at Dartmouth.payroll@dartmouth.edu. To change your address with the Investment Companies, contact them directly at their tollfree number.

Other important points

Deadline: During Open Enrollment, you must go online and complete your enrollment by November 8, 2010. If you do not enroll online your 2010 elections will carry over and those amounts will apply for 2011, with the exception of the FSAs. You must make new FSA (Medical and Dependent Care) elections during each annual Open Enrollment period. If you do not re-enroll, your FSA elections will terminate on December 31, 2010. The IRS requires that those contribution amounts be elected on an annual basis. New Hire: If you are a new hire, you must elect benefits within thirty (30) days from your date of hire or attendance at Orientation (whichever is later) or you will be enrolled in default coverage. Default coverage is: Blue Choice (POS) medical plan, 50% coverage for long-term disability, $5,000 of life insurance coverage, and the Fidelity Freedom Fund for your Defined Contribution Retirement Plan

Important Features

Maximum Allowable Benefit (MAB) Medical claims covered by the plan are paid according to the Maximum Allowable Benefit, determined by Anthem Blue Cross and Blue Shield of NH (Anthem BCBSNH). When services are received outside the state of New Hampshire network, Anthem BCBSNH will use the Maximum Allowable Benefit of that states Blue Cross organization to determine the appropriate payment.

INDEMNITY MEDICAL PLAN

Medical Plan Indemnity Amount of Deductible $2,500 individual $5,000 two-person or family Co-insurance (% paid by subscriber) N/A Annual Out-of-Pocket Maximum $2,500 individual $5,000 two-person or family Prescription Drug Must pay up front for prescription drugs at pharmacy and request reimbursement from Anthem
Preventive Care Sevices are covered in full when provided by an Anthem BCBS contracted provider.

Preferred Blue (PPO)

Preferred Blue is a Preferred Provider Organization (PPO). The PPO is similar to an Indemnity plan in that participants coordinate their own care and are not required to get a referral from a primary care physician (PCP). The PPO allows access to a national network of doctors, hospitals, and other care providers. Mental Health and Substance Abuse Services To receive In-Network benefits for these services, you must call Anthem Behavioral Health at 1-800-228-5975. They will refer you to a network provider. You will be required to call Anthem Behavioral Health for precertification of services after 12 visits. If you choose to receive mental health or substance abuse treatment services from a non-participating Anthem Behavioral Health network provider, those services will be Outof-Network. Prescription Drugs The cost of prescription drugs is $5 for Tier 1, $25 for tier 2, or $40 for Tier 3. You may also obtain a 90-day supply by placing a mail order with Express Scripts. Call 1-866-679-0926 or www.express-scripts.com. Routine Eye Exam Preferred Blue provides coverage for one routine eye exam per year for each member 18 years old or younger and one exam every two years for members 19 years old or older. Fitness Incentive A Preferred Blue subscriber may receive up to $200 reimbursement per family for the cost of joining a participating health club. Proof of exercise is required. For details call 1-800437-9282. Hearing Aid Coverage Hearing aids will be covered based on medical necessity. The coverage will be one hearing aid per ear each time a prescription changes or for a hearing aid which is no longer functional.
Maximum Allowable Benefit Services are covered up to the Maximum Allowable Benefit (MAB). Network providers agree to accept the MAB as payment in full. However, if you receive services from an Out-of-Network provider, it is your responsibility to pay the difference between the MAB and the providers charge. In-Network Those providers who participate in the health benefit plans provider network. A PPO requires members to use In-Network participating providers to receive the highest reimbursement. Out-of-Network Refers to providers who do not participate with the health benefit plan. PPO members may go Out-of-Network but will likely be responsible for some additional costs.

Blue Choice

Blue Choice is a managed care, Point of Service (POS) plan. If you elect Blue Choice, you must select a Primary Care Physician for you and your dependent(s). The Blue Choice chart outlines the benefits available to you in this plan. The network for Blue Choice is comprised of New England-based providers. Prescription Drugs The cost of prescription drugs is $5 for tier 1, $25 for tier 2,or $40 for tier 3. You may also obtain a 90-day supply by placing a mail order with Express Scripts. Call 1-866-679-0926 or www.express-scripts.com. Annual Eye Exam Blue Choice provides for one annual eye exam from a network provider, subject to the specialist office visit copayment, and a $40 reimbursement toward frames, lenses, and contacts prescribed in conjunction with the eye exam. Fitness Incentive A Blue Choice subscriber may receive up to $200 reimbursement per family for the cost of joining a participating health club. Proof of exercise is required. For details call 1-800-437-9282. Hearing Aid Coverage Hearing aids will be covered based on medical necessity. The coverage will be one hearing aid per ear each time a prescription changes or for a hearing aid which is no longer functional.
Primary Care Physician (PCP) If you elect Blue Choice, you must call Anthem Blue Cross and Blue Shield within 30 days of enrollment to choose a Primary Care Physician (PCP) for you and any family members covered under the plan. To choose your PCP or to find out about In-Network physicians, call 1-800-437-9282 or visit www.anthem.com. Mental Health and Substance Abuse Services To receive In-Network benefits for these services, you must call Anthem Behavioral Health at 1-800-228-5975. They will refer you to a network provider. You will be required to call Anthem Behavioral Health for precertification of services after 12 visits. If you choose to receive mental health or substance abuse treatment services from a non-participating Anthem Behavioral Health network provider, those services will be Outof-Network.

Dental Plan

Northeast Delta Dental offers preventive coverage at 100%, restorative at 80%, and prosthodontics at 50%. Annual coverage is up to $2,000 for each member. The plan does not provide coverage for orthodontia. For a list of providers, visit www.nedelta.com or call 1-800-832-5700. When members go to a dentist in the Northeast Delta Dental network, they are protected from paying any amount over and above the Usual, Reasonable, and Customary charge. To find out if a dentist is in the Northeast Delta Dental network, visit www.nedelta.com or call your dentists office.
This plan does not have a deductible. There is no waiting period for coverage. Benefits are paid at a co-insurance amount, based on the Usual, Reasonable, and Customary (UCR) charge established by Northeast Delta Dental.

PREMIER DENTAL PLAN

Dental Services
Diagnostic/Preventative care Basic Restorative care Major Restorative/ Prosthodontics Orthodontia
Amount Covered by Insurance

100% 80% 50%

Your Cost

0% 20% 50% no coverage

Annual Maximum
$2,000 total per person per calendar year

DENTAL COST

ANNUAL MONTHLY BI-WEEKLY Single $622.92 $51.91 $25.96 Two Person $1,107.72 1$92.31 1$46.16 Family $1,907.76 $158.98 $79.49

PURCHASING YOUR BENEFITS

College contribution: Your Dollar Allowance is the Colleges contribution toward your insurance benefits. This amount is based on your full-time equivalent (FTE) and your annual salary. Your allowance is calculated and shown on your online worksheet. Use the Dartflex Dollar Allowance according to the level of coverage you are electing (no coverage, single, two-person, or family). Calculate your costs: Subtract your Dollar Allowance from the Medical Plan Price. Your final costs: This is your out-of-pocket cost. If the cost exceeds the credit, you will have a payroll deduction.
ANNUAL MEDICAL PLAN PRICES
$2500/$5000 Deductible Single Two-person Family $6,902.04 Preferred Blue $7,333.56 Blue Choice $7169.52 $14,379.12 $19.412.04
$13,803.84 $14,666.52 $18,635.16 $19,800.00
MONTHLY MEDICAL PLAN PRICES
$2500/$5000 Deductible $575.17 $1,150.32 $1,552.93 Preferred Blue $611.13 $1,222.21 $1,650.00 Blue Choice $597.46 $1,198.26 $1,617.67

Single Two-person Family

BI-WEEKLY MEDICAL PLAN PRICES
$2500/$5000 Deductible Single Two-person Family $287.59 $575.16 $776.47 Preferred Blue $305.57 $611.11 $825.00 Blue Choice $298.73 $599.13 $808.84
For information on your specific plan costs, please refer to http://www.dartmouth.edu/~hrs/benefits/premium_cost/estimator

CONTRIBUTION

COLLEGE

equals

NET COST

RETIREMENT PLANS

Introduction
Dartmouth contributes to either a Defined Contribution or Defined Benefit plan on your behalf. Only the College may make contributions to this account. In addition, you may voluntarily contribute to a Supplemental Retirement Account (SRA). Participants in the Defined Contribution and Supplemental Retirement Accounts (SRA) direct where the contributions are invested from among three Investment Companies: Calvert, Fidelity, and TIAA-CREF. Each of these companies offers a variety of investment options designed to meet your individual investment needs. Contributions Dartmouth makes regular contributions on the participants behalf. The contribution amount is based on base salary and increases with age. Age Percentage of Base Salary 3% 5% 7% 40 and older 9% Increases are effective the first pay period after your birthday.

Defined Benefit Retirement Plan
The Defined Benefit retirement plan was designed to provide you with monthly benefits. Dartmouth makes contributions based on your earnings. Eligibility Effective January 1, 2006, this plan only covers eligible grandfathered employees. Refer to the Summary Plan Description for further information on eligibility.
Defined Contribution Retirement Plan
Eligibility 403(b) Defined Contribution Plan for Dartmouth College Faculty and Staff. Employees who are classified as faculty members and exempt staff, hired before January 1, 1989. Employees participating in this plan were grandfathered when the 401(a) Defined Contribution Plan was established in 1989. 401(a) Defined Contribution Plan for Dartmouth College Faculty and Staff. Employees who are classified as benefits eligible, with the exception of employees grandfathered in the 403(b) plan, grandfathered in the Defined Benefit retirement plan, or employees classified as Research Fellows. Refer to the Summary Plan Description for further information on eligibility.

Vesting

Vesting means ownership of the monies Dartmouth contributed to your retirement account. Participants become fully vested after three years of regular employment at Dartmouth. Participants terminating employment with less than three years of service will forfeit the Dartmouth contribution. If a participant is re-employed before six years have elapsed, the amount forfeited will be reinstated. In addition, a participant is fully vested at all times on or after attaining age 65, or upon permanent disability, regardless of years of employment. 13
Supplemental Retirement Account (SRA)
Most employees are eligible to participate in this tax-deferred retirement plan. You do not pay income taxes on the contributions or earnings until you begin withdrawing money from your account. Participation in this plan is voluntary but highly recommended.

Contribution Amounts

Minimum Amount. The minimum amount you can contribute to a SRA is $16 per month or $192 per year. Maximum Voluntary Pre-Tax Contributions. You may contribute the lesser of 100% of pay or a fixed amount determined by the IRS each year. Your 2011 contribution limit is reflected on your personal enrollment page on the FlexOnline system found at http://benefits.dartmouth.edu under Retirement Elections. Age 50+ Catch-Up Contributions. If you are age 50 or older before the end of 2011, you may make an additional catch-up contribution to your SRA. The catch-up amount is determined by the IRS each year. 15-Year Special Catch-Up. You may be eligible to make an additional contribution called a 15 Year Special Catch-Up if you have 15 or more years of service at Dartmouth. If you are eligible, this Special Catch-Up amount will be displayed on your Retirement Plan Elections page on the FlexOnline enrollment.

401(a) Employer Matching Contribution
Benefit-eligible employees hired on or after July 1, 2009 who contribute to a Supplemental Retirement Account (SRA) will receive a matching contribution to their 401(a) Defined Contribution retirement account that will be proportionately distributed consistent with the employees designated 401(a) investment directions. The matching contribution cap is $3,000 and eligibility for matching dollars continues for six years from the date of hire.
Contributions Outside the Dartmouth Plan
The contribution limits described here consider only your pay and contributions related to your employment at Dartmouth. If you actively contribute to retirement accounts of another employer, please be aware that the legal contribution limits remain the same regardless of how many plans you aggregate. It is your responsibility to ensure your own legal compliance. It is also your responsibility to notify the Benefits Office if you have additional retirements account(s) contributions with which your Dartmouth SRA contributions must aggregate. You decide where to invest from among fund options offered by each of these companies. Dartmouth and the Plan Administrator are not responsible for your investment choices or the investment results achieved. For guidance on investment options, contact the investment companies directly. You may also schedule a private on-campus consultation with an investment company representative during one of their regular visits. To schedule a meeting with the Calvert representative, call 1-800-327-2109 ext. 7, with the Fidelity representative, call 1-800-642-7131 or visit www.fidelity.com/atwork/reservations; or with the TIAA-CREF representative, call 1800-732-8353 or log on to www.tiaa-cref.org/moc.
Investing Your Contributions
You may invest your SRA funds in annuities and custodial accounts issued or maintained by one or more of the following investment companies: Calvert 4550 Montgomery Avenue Suite 1000N Bethesda, MD 20814 1-800-368-2745 www.calvert.com
Fidelity Retirement Investments P.O. Box 770002 Cincinnati, OH 45277-0090 1-800-343-0860 www.fidelity.com/atwork TIAA-CREF P.O. Box 1259 Charlotte, NC 28201 1-800-842-2776 www.tiaa-cref.org/dartmouth

Changing Investments

You may reallocate your investments within the same company or transfer them to one of the other two investment companies. New Contributions. Once you have enrolled in a retirement plan, you may redirect contributions to each of the different investment companies at any time. Youll need to complete a new online election at http://benefits.dartmouth.edu. The change will be effective the next appropriate pay cycle. Transferring Investments Among Options in the Same Investment Company. To reallocate existing contributions, you must contact the investment company directly. Transferring to a Different Investment Company. Contact the Benefits Office for information on how to transfer existing contributions to one of the other investment companies.

Your Elections

Log on to FlexOnline at http://benefits.dartmouth.edu and click on Retirement Elections to complete your election. If you are opening a new account with a different investment company, make sure you complete the appropriate online new account application.
Dartmouth Colleges Defined Contribution Plan Comparison Summary

Questions

What are the investment options?

Calvert

Offers socially responsible portfolios, plus two non-screened funds consisting of: Calvert Equity Funds Calvert Large Cap Growth Fund Calvert Social Investment Fund -Equity Portfolio Calvert Capital Accumulation Fund Calvert New Vision Small Cap International Funds Calvert Large Cap Value Fund Calvert Social Investment Fund-Enhanced Equity Calvert Social Index Fund Calvert Mid Cap Value Fund Calvert Small Cap Value Fund International Funds Calvert World Values Equity Fund Calvert Global Alternative Energy Fund Calvert Global Water Fund Calvert International Opportunities Fund Balance and Allocation Funds Calvert Social Investment Fund-Balanced Portfolio Calvert Conservative Allocation Fund Calvert Moderate Allocation Fund Calvert Aggressive Allocation Fund Fixed Income (Bond) Funds Calvert Social Investment Fund -Bond Portfolio Calvert Income Fund Calvert High Yield Bond Fund Calvert Long Term Bond Fund Calvert Short Term Government Fund Calvert Short Duration Income Fund Calvert Ultra Short Income Fund Calvert Government Fund Money Market Funds Calvert Social Investment Fund -Market Portfolio Calvert First Government Money Market Fund No No Yes, please refer to the prospectus. Yes, subject to certain limitations, and if transferee (receiving company) will accept the transfer. No No No Yes, via internet or phoning Calvert. No No No Anytime Quarterly

Fidelity

For a complete list of funds available, call Fidelity. Some of Fidelitys most popular funds are: Growth and Income Funds Fidelity Puritan Fund Fidelity Equity-Income Fund Growth Funds Fidelity Retirement Growth Fund Fidelity Magellan Fund Fidelity Capital Appreciation Fund Fixed Income (Bond) Funds Fidelity Capital & Income Fund Fidelity Intermediate Bond Fund Specialty Funds Fidelity Select Funds International Funds Fidelity Overseas Fund Money Market Funds Fidelity Cash Reserves Fund U.S. Government Reserves Fund Asset Allocation Fund Fidelity Asset Manager Fund

TIAA-CREF

Access www.tiaa-cref.org/dartmouth using their path. Investment choices for a complete listing of available investment options. Guaranteed TIAA TRADITIONAL - Fixed dollar annuity that guarantees a return of principal and a specified rate of interest. In addition, there is an opportunity for growth through dividends, which have been declared for the last 45 years. Equity Funds (including:) Total Stock Market Funds CREF Stock (80% US/20% Foreign) Equity Index (Russell 3000) S&P 500 Index Fund Large Cap Large Cap Value CREF Growth Growth and Income Fund Mid Cap Mid Cap Value Mid Cap Growth Small Cap Small Cap Equity International CREF Global International Equity Socially Responsible CREF Social Choice (Balanced Fund) Social Choice Equity Real Estate TIAA Real Estate Fund (primarily real estate) TIAA Real Estate Securities (real estate equities) Fixed Income CREF Bond Market CREF Inflation Linked Bond (TIPS) Money Market TIAA-CREF Money Market Multi-Asset TIAA-CREF Life Cycle Funds Guaranteed TIAA Traditional No No Yes, please refer to the prospectus. Yes, subject to certain limitations, and if transferee (receiving company) will accept the transfer. Yes, $1,000 or account balance, if less (restrictions apply to TIAA Traditional). No No Yes, via internet or phoning TIAA-CREF. Yes, $1,000 or account balance, if less (restrictions only apply to TIAA Traditional). No No Anytime Quarterly
Are there any front-end load charges? Are there any maintenance charges? Are there any management fees? Can I transfer money to another company in the Dartmouth Retirement Plan? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges or fees for such a transfer? Can I transfer funds within this company? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges/fees etc.?
No No Yes, please refer to the prospectus. Yes, subject to certain limitations, and if transferee (receiving company) will accept the transfer. No No No Yes, via internet or phoning Fidelity. No No Yes, for exchanges between select portfolios and some short-term redemptions. Anytime Quarterly

When can I start an annuity? When do I receive a statement of my account? What happens to my investment if I leave Dartmouth? Can I cash in and pay applicable taxes? Can I leave the money on deposit? Can I roll over the money to another retirement investment? Can I transfer money to another company in the SRA program?
Yes, subject to limitations, certain withdrawals will be subject to an additional tax. Yes, subject to federal requirements. Yes, for further information, contact your tax advisor. Yes, if transferee (receiving company) will accept transfer.
This chart summarizes certain administrative facts about the funds available, but it is not a prospectus or official statement about any fund. You should read the fund prospectus before making your selection.
Dartmouth Supplemental Retirement Accounts (SRA) Comparison Summary
Offers socially responsible portfolios, plus two non-screened funds consisting of: Calvert Equity Funds Calvert Large Cap Growth Fund Calvert Social Investment Fund -Equity Portfolio Calvert Capital Accumulation Fund Calvert New Vision Small Cap International Funds Calvert Large Cap Value Fund Calvert Social Investment FundEnhanced Equity Calvert Social Index Fund Calvert Mid Cap Value Fund Calvert Small Cap Value Fund International Funds Calvert World Values Equity Fund Calvert Global Alternative Energy Fund Calvert Global Water Fund Calvert International Opportunities Fund Balance and Allocation Funds Calvert Social Investment Fund-Balanced Portfolio Calvert Conservative Allocation Fund Calvert Moderate Allocation Fund Calvert Aggressive Allocation Fund Fixed Income (Bond) Funds Calvert Social Investment Fund -Bond Portfolio Calvert Income Fund Calvert High Yield Bond Fund Calvert Long Term Bond Fund Calvert Short Term Government Fund Calvert Short Duration Income Fund Calvert Ultra Short Income Fund Calvert Government Fund Money Market Funds Calvert Social Investment Fund -Market Portfolio Calvert First Government Money Market Fund No No Yes, please refer to the prospectus. Yes, if transferee (receiving company) will accept the transfer. No No No Yes, via internet or phoning Calvert. No No No No Subject to federal restrictions, some withdrawals incur additional tax: see a tax advisor. Anytime Salary Reduction Agreement Quarterly

Access www.tiaa-cref.org/dartmouth using their path. Investment choices for a complete listing of available investment options. Guaranteed TIAA TRADITIONAL - Fixed dollar annuity that guarantees a return of principal and a specified rate of interest. In addition, there is an opportunity for growth through dividends, which have been declared for the last 45 years. Equity Funds (including:) Total Stock Market Funds CREF Stock (80% US/20% Foreign) Equity Index (Russell 3000) S&P 500 Index Fund Large Cap Large Cap Value CREF Growth Growth and Income Fund Mid Cap Mid Cap Value Mid Cap Growth Small Cap Small Cap Equity International CREF Global International Equity Socially Responsible CREF Social Choice (Balanced Fund) Social Choice Equity Real Estate TIAA Real Estate Fund (primarily real estate) TIAA Real Estate Securities (real estate equities) Fixed Income CREF Bond Market CREF Inflation Linked Bond (TIPS) Money Market TIAA-CREF Money Market Multi-Asset TIAA-CREF Life Cycle Funds Guaranteed TIAA Traditional No No Yes, please refer to the prospectus. Yes, if transferee (receiving company) will accept the transfer. Yes, $1,000 or account balance, if less (restrictions apply to TIAA Traditional). No No Yes, via internet or phoning TIAA-CREF. No No No Yes, call TIAA-CREF for more information. Subject to federal restrictions, some withdrawals incur additional tax: see a tax advisor. Partial withdraw minimum: $1,000 each month. Anytime Salary Reduction Agreement Quarterly
Are there any front-end load charges? Are there any maintenance fees? Are there any management fees? Can I transfer my money to another company in the SRA program? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges or fees for such a transfer? Can I transfer funds within this company? Is there a minimum amount for such a transfer? Is there a maximum amount for such a transfer? Are there any charges/fees etc.? Can I take a loan from my SRA accumulation? Can I withdraw money at any time other than at retirement or when I begin to draw an annuity? When can I start an annuity? How do I make contributions to the funds? When do I receive a statement of my account? What happens to my investment if I leave Dartmouth? Can I cash in and pay applicable taxes? Can I leave the money on deposit? Can I roll over the money to another retirement investment? Can I transfer money to another company in the SRA program?

No No Yes, please refer to the prospectus. Yes, if transferee (receiving company) will accept the transfer. No No. No Yes, via internet or phoning Fidelity. No No Yes, for exchanges between select portfolios and some short-term redemptions. Yes, call Fidelity for more information. Subject to federal restrictions, some withdrawals incur additional tax: see a tax advisor. Anytime Salary Reduction Agreement Quarterly
Glossary of Benefit Terms
BENEFICIARY An individual designated by the employee to receive proceeds from the employees life insurance or retirement plans. CHANGE IN STATUS A life event such as marital status change, birth or death of a dependent, dependent eligibility change, or job status change, that allows an employee to change benefit elections at a time other than Open Enrollment. COBRA (CONSOLIDATED OMNIBUS BUDGET RECONCILIATION ACT) A federal law that allows employees and their dependents to continue insurance coverage after a qualifying event such as a loss of eligibility or termination of employment. Cost is total premium rate plus an administration fee. CO-INSURANCE After the deductible has been paid, this is a percentage the member pays for covered services. CO-PAYMENT A fixed dollar amount you pay for certain services under a managed care plan or Preferred Provider Organization. DEDUCTIBLE The annual out-of-pocket payment that you make before the plan begins to pay for your health care. DEPENDENT An individual such as a child, same-sex domestic partner, or spouse/civil union partner that is eligible for coverage under the employees insurance plans. IMPUTED INCOME If the employer provides a medical and/or dental benefit to someone other than a legal dependent as defined by federal law, the value of the benefit provided is taxable income. Additionally, the value of group term life insurance in excess of $50,000 and dependent life insurance is taxable. INDEMNITY PLAN Plan in which subscribers pay a set deductible before the plan covers any health care costs. Participants also pay a coinsurance amount for certain ongoing services. MANAGED CARE/POINT-OF-SERVICE PLAN (BLUE CHOICE) A plan that has a fixed co-payment and requires that a Primary Care Provider be designated. It has a network of preferred providers, and deductibles for Out-of-Network services. NETWORK Hospitals and providers having a contracted agreement with a health plan company to make covered services available to members. OUT-OF-NETWORK Services received from a non-participating provider. These services require deductible and co-insurance payments. OUT-OF-POCKET MAXIMUM The deductible amount added to your co-insurance maximum. Once the out-of-pocket maximum is met, covered services are paid at 100% of the allowed charge for the rest of the calendar year. Co-payment requirements will continue to apply. PREFERRED PROVIDER ORGANIZATION (PPO) A PPO health insurance plan has a network of participating providers who are local, national and international. This plan has a fixed co-payment amount for In-Network medical expenses and deductible and co-insurance for Out-of-Network expenses. PRIMARY CARE PROVIDER (PCP) A physician who coordinates health services (including referrals) for an employee or covered dependent. Also known as a Primary Care Physician. REFERRAL The approved authorization or recommendation from your Primary Care Provider for medical services. SINGLE COVERAGE Coverage for an employee only. TWO-PERSON COVERAGE Coverage for an employee and a qualified dependent. FAMILY COVERAGE Coverage for an employee and two or more qualified dependents.

Anthem Blue Cross and Blue Shield of NH 1-800-437-9282 website: www.anthem.com Express Scripts 1-866-679-0926 website: www.express-scripts.com Anthem Behavioral Health 1-800-228-5975 CNA 1-800-528-4582 website: www.cna.com Crosby Benefit Systems 1-800-462-2235 website: www.CrosbyBenefits.com Northeast Delta Dental 1-800-832-5700 website: www.nedelta.com MetLife 1-800-638-6420 website: www.metlife.com Calvert 1-800-368-2745 website: www.calvert.com/investor-workplace-dartmouth.html Fidelity Investments 1-800-343-0860 website: www.fidelity.com/atwork TIAA-CREF 1-800-842-2776 website: www.tiaa-cref.org/dartmouth
Benefits Office Phone Number: 1-603-646-3588 Email: Human.Resources.Benefits@Dartmouth.EDU website: www.dartmouth.edu/~hrs/benefits
Summary Plan Descriptions and Life Insurance Certificates are located online at www.dartmouth.edu/~hrs/benefits/index.html or you may contact the Benefits Office to request a printed version. The plans maintain a privacy notice which provides a complete description of your rights under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). For a copy of the notice please contact the Benefits Office. If you have questions about the privacy of your health information, contact the privacy official (Benefits Office).