Pechanga 2013-2014 Benefits Guide

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Benefits Guide

August 1, 2013 - July 31, 2014

Pechanga Resort & Casino Benefit Programs

You Make Pechanga Resort & Casino a Success Pechanga Resort & Casino (PR&C) is dedicated to providing our guests with the highest quality resort experience. Our Team Members are critical to reaching that goal. Our success is defined by your dedication and performance. Our Commitment to You We want our Team Members to have a rewarding work experience. An important part of our commitment to you is comprehensive and competitive benefits that allow you to choose the coverage that meets your needs. Select the Coverage that is Right for You This Guide provides a summary of the PR&C benefits package for full-time and part-time Team Members, including information on how to enroll. We encourage you to carefully review all your options before making your benefit elections. Only you can determine which benefits are the best fit for you and your family. We want you to understand all of your options and make informed decisions. Benefit Basics Once you elect your PR&C benefit options, your elections remain in effect until the end of the plan year (through July 31). You may only change coverage due to a Qualifying Life Event (see page 3) and must do so within 30 days of the event.

Table of Contents Our Commitment to You ��2 Select the Coverage that is Right for You ��2 Benefit Basics��2 Eligibility �� 3-4 Enrolling for Coverage �� 4 Framework Health Plan �� 5 Medical Coverage �� 6 Medical Plan Comparison ��7 Dental Coverage �� 8 Vision Plan �� 9 Life and AD&D Insurance�� 9 Short Term & Long Term Disability ��10 Flexible Spending Accounts �� 11 Employee Assistance Program (EAP) �� 12 Auto & Pet�� 12 Hyatt Legal Plan (MetLaw) �� 12 Special Needs Planning �� 12 Identity Theft Program �� 13 Secure Travel® �� 13 Will Preparation Program �� 13 Unum Voluntary Benefits �� 14 401(k) Savings Plan�� 14 Team Member Advantages �� 15 References and Resources ��Back Cover

Eligibility

Part-Time : Team Members in a part time status and scheduled to work less than 30 hours a week are eligible to enroll in the benefit options summarized in the table on page 4. Full-Time : Team Members in a full time status and scheduled to work 30 or more hours a week are eligible to enroll in the benefit options summarized in the table on page 4. As a newly eligible Team Member, benefits, unless stated otherwise, will begin the first of the month following your 90- day waiting period (for example, if you started work November 15, coverage could begin on March 1). You will receive communication from the Benefits Department prior to your effective date. Your eligible dependents may also enroll in medical, dental, vision, and dependent life insurance benefits. To add a dependent to your PR&C benefits, you must provide acceptable verification documentation Documentation Includes: Spouse - A copy of your marriage certificate or most recent tax return Same-sex or Opposite-sex Domestic Partner – A copy of your domestic partner affidavit and two documents indicating financial interdependence. For example: joint bank accounts, joint credit cards, joint ownership of residence, sharing of household expenses, designation of power of attorney, designation of one another as sole beneficiary/executor. Child less than 26 years of age – A copy of the child’s birth certificate or most recent tax return form indicating son or daughter is a dependent and if applicable, a copy of the divorce decree, copy of the court-issued qualified medical child support order, if the dependent is not a natural born child we will require custodial or adoption papers. Disabled child over age 26 – A copy of the Social Security letter deeming child disabled. Eligible dependents include: • Your legally married spouse • Your dependent children up to age 26 • Your disabled child(ren) of any age who is incapable of self-support due to mental or physical handicap, either of which commenced prior to age 26. • Your domestic partner (same and opposite sex) and the domestic partner's eligible children can be covered under the medical, dental, and vision plans. A completed affidavit must be on file with HR Benefits Department and benefits are subject to federal income tax per IRS guidelines. Contact HR Benefits Department for additional details.

Changing Your Coverage Generally, you may only change your PR&C benefit elections during the annual Open Enrollment period. However, you can change your benefit elections during the year if you experience a Qualifying Life Event. If you experience a Qualifying Life Event, you must notify your Benefits Specialist within 30 days of the event. Depending on the type of change, you may need to provide proof. If you do not contact your Benefits Specialist within 30 days, you will have to wait until the next annual Open Enrollment period to make changes, unless you have another Qualifying Life Event.

Qualifying Life Events may include: • Marriage • Divorce or legal separation • Birth of your child • Death of your spouse or dependent child • Adoption or placement for adoption, of a child • Termination or commencement of your spouse’s employment • Change of employment status by you or your spouse • A significant change in your or your spouse’s health coverage due to your spouse’s employment • Qualification by the Plan Administrator of a Medical Child Support Order • Entitlement to Medicare or Medicaid

Eligibility

When Does Eligibility Begin? Benefits for the majority of our Team Members begin on the first of the month following your 90 day waiting period; however a few options have different requirements. Refer to the following guide to ensure you are enrolling in benefits on a timely basis.

Full-Time & Part-Time Team Members

First of the Month Following Your Date of Hire

First of the Month Following 90-Day Waiting Period

After One Year of Service with 1,000 Hours Worked

Annual Open Enrollment Only

Benefit

Framework Limited Health Coverage Employee Assistance Program Educational Program Assistance

3 (after 2,000 Service Hours for Part-Time Team Members)

Funeral Expense Benefit

Discounts

Team Member Events 401(k) Savings Plan

3 (with employer match)

3 (without employer match)

Group Critical Illness Insurance Group Accident Insurance

Whole Life Insurance

Hyatt Legal Plan (MetLaw)

Auto & Pet

Specialized Solutions for Special Needs

3 Full-Time Team Members Only

Medical Coverage Dental Coverage Vision Coverage

Basic Life / AD&D Insurance • Secure Travel Program • Will Preparation Program • Identity Theft Program

Team Member Supplemental Life Insurance Dependent Supplemental Life Insurance

Voluntary AD&D Insurance

Short Term & Long Term Disability Insurance

Flexible Spending Account

Enrolling for Coverage (Full-Time Team Members) When You Are Hired Enrolling in the PR&C Benefits Program is a simple process. 1. Review your enrollment material.

Fast Facts • Full-Time Team Members —after you have completed your 90-day waiting period, you will receive a letter inviting you to a one-on-one meeting with a Benefit Specialist. • You can only make changes to your PR&C benefit elections during Open Enrollment, unless you have a qualifying event, see page 3 for details. • You may join the 401(k) Savings Plan the first of the month following 90 days of employment. You will be eligible for the employer match after one year of service, see page 14 for details.

2. Complete the Benefits Enrollment Form if you are enrolling in the Framework Health Insurance plan. 3. Return the completed form to HR Benefits Department.

Framework Health Plan

Framework Health plan is a limited medical plan insured by Pan American Life. It is available to part-time Team Members, full-time Team Members during their 90 day waiting period, and to full-time Team Members not meeting the 30 hours per week requirement. You pay for the full cost of this coverage directly with pre-tax payroll contributions. Plan Option The following chart illustrates some of the benefits available under the Framework Health Plan option.

Benefits

Coverage

Life / AD&D Insurance • Team Member Only

$5,000

Life Insurance • Spouse • Child over 6 months • Child 14 days to 6 months

$2,500 $1,250 $200

Doctor’s Office Visit

Pays $60 per visit / $300 calendar year maximum per person Pays $50 per visit / $150 calendar year maximum per person Pays $35 per lab test / $105 calendar year maximum per person Pays $100 per x-ray / $200 calendar year maximum per person Pays $75 per visit / $300 calendar year maximum per person

Preventive Care

Outpatient Diagnostic Lab

Outpatient X-ray

Emergency Room Indemnity Daily In-Hospital Indemnity

Pays $100 per day / 60 days per calendar year maximum / 500 days lifetime maximum

Tiered-Pricing Pharmacy Program The Tiered-Pricing Pharmacy card is accepted at over 48,000 pharmacies in the U.S. including Rite Aid, Medicine Shoppe, Walgreens and thousands of independent pharmacies. Benefits are available for brand and generic drugs. The program segments brand and generic drugs into three price classifications (Tiers I, II, and III). A listing of the most commonly prescribed medications in the tier program is available online at www.rxpricequotes.com and is included with your ID cards after you enroll in the program. Discounts are available for drugs not listed in one of the three tiers as well as maintenance medications purchased through the mail order program. Retail Prescriptions

• Tier I • Tier II • Tier III • Non-Tiered Drugs

$10 or less for the scheduled quantity and dose $20 or less for the scheduled quantity and dose $40 or less for the scheduled quantity and dose Contract price (average discount of approximately 16%) or the pharmacy’s price, whichever is less. Discounts available for mail order medications. All completed orders processed and shipped within 48 hours. Orders are shipped free of charge via First Class Mail. Mail order form is included in your fulfillment kit.

Mail Order (90-day supply)

Medical Plans

Medical Coverage Options Pechanga offers its full-time Team Members three different medical plan options from which to choose based on your needs. Each plan includes coverage for medically necessary services including office visits, prescription drugs, and hospital care. The available medical plan options are: • Aetna HMO Gold Plan • Aetna HMO Silver Plan • Aetna Open Access Managed Choice Plan (OAMC/PPO) Aetna HMO Plans The Aetna HMO Gold and Silver plans are comprehensive medical plans that include preventive care. You generally pay only a fixed copay amount for most services. There are no annual deductibles or lifetime maximum amounts. HMO plans only cover services you receive from doctors, hospitals and other providers who are participants in the Aetna HMO provider network. You must select a Primary Care Physician (PCP) to manage all of your care. The role of

Catamaran Pharmacies To locate participating Catamaran Pharmacies (HMO or OAMC/PPO), go to www.mycatamaranrx.com .

your Aetna PCP is to provide you with day-to-day medical care and to coordinate your treatment with other network specialists and providers when medically necessary. If you use a doctor who does not belong to the Aetna HMO, you pay the full cost for all nonemergency treatment and services. Aetna Open Access Managed Choice (OAMC/PPO) Plan The Aetna Open Access Managed Choice Plan provides coverage for Preferred and Non-Preferred Care and contains a $250 individual and $500 family annual deductible schedule. When you use Aetna OAMC Preferred Providers, your out-of-pocket costs will generally be lower because these providers have agreed to offer their services for lower, pre- negotiated rates and you are not required to pay any provider charges above the amount Aetna allows for that service. Catamaran Prescription Plan The PR&C prescription plan is administered by Catamaran. Team Members who enroll in a PR&C medical plan are automatically enrolled in the prescription plan. Generic Drugs —are less expensive versions of brand name drugs that have the same intended use, dosage, effects, risks, safety and strength. The active ingredients are identical to the original brand name drug. Under the PR&C benefits program, generic prescriptions have a lower co-pay—make sure you talk with your physician to see if a generic prescription will work for you. 90-Day Supply at Retail (Retail 90) —Under the PR&C plan you have the option of filling a 84 to 90-day supply of your maintenance medications at a participating retail pharmacy in addition to filling maintenance prescriptions through mail order. Your Retail 90 copays are the same as the mail order copay amounts. By purchasing generic drugs and obtaining a 90-day supply for your maintenance medications, you can receive the lowest price on your prescription medications to maximize your long-term savings. Contraceptives —Under the PR&C plan, FDA approved contraceptive methods and devices are covered at a $0 copay. Quantity limits may apply. Important Note About ID Cards When you enroll in an Aetna medical plan (HMO or OAMC), you will receive two (2) ID cards – one for the Aetna medical plan and one for your prescription plan through Catamaran.

Medical Plan Comparison

Aetna Open Access Managed Choice Plan (OAMC) Network Non-Network

Aetna HMO Gold Plan

Aetna HMO Silver Plan

Benefit Provision

Deductible (calendar year) Out-Of-Pocket Maximum (calendar year)

None

$250 individual/$500 family

$1,000 individual $2,000 family max

$3,000 individual $6,000 family max

Lifetime Maximum

Unlimited

Preventive Benefits Annual Routine Physical Well Baby Immunizations

100% covered 100% covered

Physician Services Office Visit

$10 copay $20 copay $20 copay

$20 copay $30 copay $30 copay

$15 copay $20 copay 10% copay

30% 30% 30% 30%

Specialist

Diagnostic X-ray Maternity/OB Visits

$10 copay (initial visit only)

$20 copay (initial visit only)

Hospital Services Inpatient Surgery Outpatient Surgery

100% covered $500 copay (per admit) 100% covered $250 copay (per surgery)

10% 10% 10%

30% 30% 30%

Detoxification

Outpatient: $20 copay Inpatient: No charge

Outpatient: $30 copay Inpatient: $500 copay (per admit)

Other Benefits Emergency Services

$150 copay

$75 copay; no deductible

Urgent Care Ambulance

$35 copay; PCP referral $35 copay; PCP referral

$15 copay

30%

No charge

10%

Durable Medical Equipment 20% of contracted amt 20% of contracted amt

10%

30% 30%

Chiropractic

$15 copay; 30 visits/year

$20 copay

20 visits/year combined

Vision Services Annual Exam & Refraction

100%

30%

Prescription Drugs Through Catamaran Retail (30-day supply) OTC* $0 copay

$0 copay $10 copay $25 copay $50 copay $50 copay $0 copay $20 copay $50 copay $100 copay $0 copay $20 copay $50 copay $100 copay

$0 copay $10 copay $25 copay $50 copay $50 copay $0 copay $20 copay $50 copay $100 copay $0 copay $20 copay $50 copay

Generic

$10 copay $25 copay $50 copay $50 copay $0 copay $20 copay $50 copay $100 copay $0 copay $20 copay $50 copay $100 copay

Coverage at network pharmacies only

Preferred Brand**

Non-Preferred Brand** Specialty Pharmacy

Retail 90 (84-90 day supply) OTC*

Generic

Coverage at network pharmacies only

Preferred Brand**

Non-Preferred Brand** Mail Order (90-day supply) OTC*

Generic

Coverage at network pharmacies only

Preferred Brand**

Non-Preferred Brand** $100 copay *Covered Over-the-Counter (OTC) drugs are: Prilosec OTC®; Prevacid® 24HR; Omeprazole OTC; Zegerid OTC and Non-sedating antihistamines (OTC) such as Zyrtec or (D) cetirizine; Claritin or (D) loratadine; Allegra or (D) fexofenadine in all forms to include chewables and syrups and approved contraceptives . You MUST have a written prescription from your physician for these drugs to be covered under the plan. In addition, oral generic anti-diabetic medications such as metformin and “certain” generic high blood pressure medications are available for a $0 copay. **If you or your physician chooses a Brand when a Generic is available, you will pay the difference in price between the Brand and the Generic PLUS the appropriate Brand copay. Note : Branded PPIs such as Nexium, Aciphex, Vimovo and Dexilant are not covered by the plan. Alternatives are lansoprazole, pantoprazole, omeprazole 20mg and 40mg, and the covered OTCs. Branded non-sedating antihistamines such as Xyzal and Clarinex are also not covered by the plan. Pristiq is excluded.

Dental Coverage

To help you manage dental costs, PR&C provides all full-time Team Members with two different dental plan options from which to choose, Delta Dental DHMO plan and Delta Dental DPPO plan. Both options provide coverage for preventive, basic, major and orthodontia services. Similar to a medical HMO, the Delta Dental DHMO plan offers low out of pocket costs but only covers services from dental providers participating in the Delta Dental DHMO provider network, DeltaCare USA. You and your enrolled dependents must select a DHMO dentist/dental practice to manage your care. Delta Dental PPO Plan allows you to receive treatment from PPO network dentists/dental practices and take advantage of their fee discounts. The PPO provider network consists of Delta Dental PPO providers and Delta Dental Premier providers. PPO providers are contracted In-network providers while the Premier providers are contracted Out-of- network providers. The PPO Contracted Fees are calculated differently for each group so your costs will vary depending on the network you select. You also have the freedom to receive treatment from a non-network dentist, but you are responsible for any fees above the Delta Dental Program Allowance for those services. Locate participating Delta Dental providers at www.deltadentalins.com . Under the Dental Plan drop down menu, select DeltaCare USA for the DHMO plan. For the DPPO plan you can select Delta Dental PPO (for the greatest savings) or Delta Dental Premier. Review the plan comparison below to help determine which plan is right for your needs.

Delta Dental Plan Summaries

DHMO/DeltaCare USA

Delta Dental PPO

Benefit and Covered Services

In-Network ONLY

In-Network

Premier Network/Non-Network**

Deductible

None None

$50 per person, $150 per family

Calendar Year Max Benefit

$1,800 per person (not including preventive services costs and lifetime orthodontia maximum)

$1,800 per person (not including lifetime orthodontia maximum)

Preventive Services Cleanings, bitewing x-rays, exams, fluoride, sealants Basic Services Fillings, extractions, periodontics, endodontics Major Services Crowns, bridges, dentures, inlays, onlays & cast, implants

Fee schedule

No charge

You pay 10% of allowed charge*

Fee schedule

You pay 10% after deductible

You pay 30% of allowed charge* after deductible

Fee schedule

You pay 40% after deductible You pay 50% of allowed charge* after deductible

Orthodontia Adult and dependent child(ren) Fee schedule

You pay 50% up to $1,000/person/lifetime

You pay 50% of allowed charge* up to $600/person/lifetime

In-PPO Network

Out-of-PPO Network

Delta Dental PPO SM Dentists

Delta Dental Premier* Dentists & Non-Delta Dental Dentists

You will usually pay the lowest amount for services when you visit a Delta Dental PPO dentist. PPO dentists agree to accept a reduced fee for PPO Patients. You are charged only the patient's share* at the time of treatment. Delta Dental pays its portion direct to the dentist. PPO dentists will complete claim forms and submit them for you at no charge.

You are responsible for the difference between the amount Delta Dental pays and the amount your non-Delta Dental dentist bills. You will usually have the highest out-of- pocket costs when you visit a non-Delta Dental dentists. Premier dentists may not balance bill above Delta Dental's approved amount, so your out-of-pocket costs may be lower than with non-Delta Dental dentists' charges. Non-Delta Dental dentists may require you to pay the entire amount of the bill in advance and wait for reimbursement. Premier dentists charge you only the patient's share* at the time of treatment. You may have to complete and submit your own claim forms, or pay your non-Delta Dental dentist a service fee to submit them for you.** Premier dentists will complete claim forms and submit them for you at no charge.

* Patient's share is the coinsurance/copayment, any remaining deductible, any amount over the annual maximum and any services your plan does not cover. ** If you visit a non-network dentist, Delta Dental will send the benefit payment directly to you. You are responsible for paying the non-network dentist's total fee, which may include amounts in excess of your share of your plan's contract allowance.

Vision and Life Insurance

Vision Plan In addition to the medical and dental plan options, PR&C offers a vision plan to all full-time Team Members. The vision insurance is administered by Vision Service Plan (VSP), one of the nation’s largest providers of vision care coverage. The plan provides a comprehensive list of vision care benefits including eye exams, lenses, frames, and contacts.

Benefit Provisions

Vision Service Plan (Choice Network)

VSP Providers To locate participating VSP providers go to www.vsp.com Select VSP Choice from the "Select Your Network" drop down menu.

Benefit Available Every 12 Months

VSP Provider Covered in full Covered in full

Non-VSP Provider

Eye Exam

$45 allowance

Lenses Frames

$30—$100 allowance based on lens type

Up to $150 allowance

$70 allowance

Elective Contact Lenses (in lieu of eyeglasses)

Up to $150 allowance

$105 allowance

* Frame allowance at retail chain affiliate Costco is $80. Note : Discounts are available for laser vision correction and additional glasses.

Life and Accidental Death & Disability Insurance Life insurance is an important part of your financial security, especially if others depend on you for support. Even if you are single, your beneficiary can use your life insurance to pay off your debts—like credit cards, mortgages and other financial expenses. Basic Life and Accidental Death & Disability (AD&D) insurance is provided through Cigna to all full-time Team Members at no cost. You also have the option to purchase additional coverage through the Voluntary Life Insurance and Voluntary AD&D Insurance plans for you and your family.

Coverage

Benefit

Basic Life and AD&D Insurance

• $25,000 life benefit • An additional $25,000 benefit is payable for an accidental death • Dismemberment benefits are based on a schedule

Supplemental Voluntary Life Insurance • For you • Purchase $25,000 increments up to $250,000. Guaranteed issue of $150,000 when first eligible. If you choose a coverage amount above $150,000 or wish to enroll in or increase coverage after you are first eligible, you will need to provide proof of good health. You must complete a Beneficiary Designation Form. Important Note: If you are married, you must select your spouse as primary beneficiary, otherwise PR&C will require authorization from your spouse. Beneficiaries under the age of 18 will not have access to the benefit until after their 18th birthday. Voluntary Dependent Life Insurance • For your spouse • Purchase $25,000 increments up to $125,000. Guaranteed issue of $50,000, when first eligible. Spouse benefit cannot exceed 50% of your Basic and Supplemental benefit amount. If you choose spouse coverage above $50,000 or wish to enroll in or increase coverage after first eligible, you will need to provide evidence of good health. • $5,000 or $10,000 for children over the age of 6 months. If less than 6 months of age, coverage is limited to $500. • Purchase coverage for you in $25,000 increments up to $250,000. • Spouse benefit is 40% of your elected amount if coverage includes spouse and children or 50% if no children. Child benefit is 10% of your elected amount if coverage includes spouse and children or 15% if no spouse. Maximum benefit for children is $10,000 Important Note: The amount of life and AD&D insurance coverage you choose is reduced by 35% after age 65. When you reach age 70 it is reduced by 60% of the original amount and at age 75 it is reduced by 75% of the original amount. • For your dependent children (to age 26) You (Team Member) are automatically the beneficiary for all dependent life insurance. Voluntary AD&D Insurance • For you • For you and your family

Disability Insurance

A disabling injury or illness that keeps you out of work could have a devastating impact on your income, jeopardizing your ability to cover normal household expenses. The federal government estimates that 3 out of every 10 American workers will be disabled before reaching retirement age.* With the right disability insurance, your income is protected, relieving you of the anxiety of depleting your savings to pay your bills. PR&C offers Short-Term Disability (STD) and Long-Term Disability (LTD) Insurance through Cigna to all full-time Team Members. Your cost for Short-Term Disability & Long-Term Disability is based on your age and income. Premiums are paid through post-tax deductions. Voluntary Short-Term Disability Insurance Short-Term Disability insurance replaces a portion of your income if

an injury or illness forces you out of work for an extended period of time. Your benefit begins on the 8th day of injury or illness and continues until recovery or 26 weeks, whichever is earlier. You will receive up to 40% of basic weekly earnings to a $2,000 maximum benefit. This is in addition to the benefits you receive from the State of California (55% of your pre-disability income). Voluntary Long-Term Disability Insurance PR&C also offers Long-Term Disability insurance to protect your finances when your disability continues beyond the period covered by the Short-Term Disability plan. This benefit begins after 180 days, as long as you pay your premiums by the last pay period before you go out on Long-Term Disability. Coverage continues until recovery or you reach the maximum age of 65 (if you became disabled prior to age 62), whichever is earlier. If disabled after age 62, reductions in the disability benefit period apply. Disabilities caused by mental illness or substance are limited to a lifetime maximum of 24 months. You will receive up to 60% of covered monthly earnings up to a $10,000 monthly maximum benefit. This includes tips, bonuses, and commissions, but does not include overtime. Benefit is reduced by any amounts received from the State of California. Pre-exiting conditions limitation applies (generally any condition that existed in the three months prior to plan coverage is excluded if the disability begins during the first 12-months of LTD coverage). Evidence of good health is required when enrolling in this benefit after your initial eligibility period.

Factors to Consider Your income

When you're ill or injured, your out-of-pocket expenses and lost wages can have a devastating impact on your family's financial well-being. Disability insurance can help cover these expenses and make up for lost wages. Statistics show that many families today are living paycheck to paycheck. Without additional financial protection, the added expenses due to a disability could deplete your savings very quickly. Without the security of your regular paycheck, it is difficult to set money aside for future expenses like college tuition or retirement funding. With added disability insurance, you won't have to give up your future plans as a result of an extended illness or injury.

Your savings

Your future

* Social Security Administration, Fact Sheet, January 2007

Flexible Spending Accounts

Flexible Spending Accounts (FSAs) enable you to put aside money for important expenses and help you reduce your income taxes at the same time. PR&C offers two types of Flexible Spending Accounts a Health Care Flexible Spending Account and a Dependent Care Flexible Spending Account. Our Flexible Spending Accounts are administered by Discovery Benefits and work like a savings account—each pay period a pre-tax payroll deduction is deposited into your Health and/or Dependent Care Spending Account. When you need money to cover an eligible expense, you make a pre-tax "withdrawal" by using the Discovery Benefits Debit Card* at the point of services and/or completing a claim form and providing proper documentation (pharmacy receipts, detailed bills or explanation of benefits [EOB]). Note: The FSAs run on a calendar year basis from January 1st through December 31st. You must re- elect your FSAs for the following year each November. How Flexible Spending Accounts Work 1. Each calendar year during the FSA open enrollment period, you decide how much to set aside for health care and/or dependent care expenses. 2. Your contributions are deducted from your paycheck on a pre-tax basis in equal installments throughout the calendar year.

3. As you incur health care or dependent care expenses throughout the year, submit a claim form for reimbursement. Your claim will be processed and you will be reimbursed from your account. You may also use your FSA debit card to pay for eligible expenses at the point of sale. If you use your FSA debit card there is no need to fill out a claim form and wait for reimbursement. Please note that these accounts are separate - you may choose to participate in one, both, or neither. You cannot use money from the Health Care FSA to cover expenses eligible under the Dependent Care FSA or vice versa.

You must actively re-enroll in the FSAs each year. You are not automatically re-enrolled.

Plan

Annual Maximum Contribution

Examples of Covered Expenses Copays, deductibles, orthodontia, prescription medications, etc.*

Health Care Flexible Spending Account

$2,500

Dependent Care Flexible Spending Account

$5,000 ($2,500 if married and filing separate tax returns)

Day care, nursery school, elder care expenses, etc.

* See IRS Publications 502 and 503 for a complete list of covered expenses.

* Discovery Benefits Debit Card When you use the Discovery Benefits Debit Card to pay for eligible expenses, the payment is automatically withdrawn from your account. Certain expenses may need to be substantiated to satisfy IRS guidelines, so be sure to save all your receipts when using the debit card. Careful Planning Required for FSA's Use it or Lose it. Remember to calculate your expenses conservatively when making your FSA elections and deposit only the money you expect to use. IRS regulations require that you forfeit any money left in your account after the claims submission deadline.

Employee Assistance Program (EAP)

Your EAP can help you find solutions for both life and work challenges. EAP services are provided to help you with emotional, relationship, health and workplace issues. This benefit is automatically provided to all Team Members and household members at no cost through Aetna. The services are easy to use and completely confidential, individual information is not shared with PR&C. Counseling • Provides you and your family with counseling services by masters-level clinicians for personal, family, and work issues. Each family member may utilize up to eight free face-to-face counseling visits per year per issue as well as unlimited consultation by telephone. Family Care/Relationships • Provides you with a wide range of referrals for adoption services, healthy pregnancy, child care, elder care, parental skills, social development, conflict resolution, healthy marriages, and much more. Aetna Resources For Living • Work well, live well, be well! Aetna Resources for Living can assist you with life challenges, including money management, education planning, legal information, stress management, anxiety, and depression. Healthy living and work-life resources are also available. • Provides you with online resources and tools. Offering confidential support 24/7. • www.mylifevalues.com • Username: Pechanga Password: eap Specialized Solutions for Special Needs As part of the PlanSmart SM Financial Education Series, MetLife offers comprehensive planning assistance to help Team Members understand the legal and financial complexities of special needs planning. As a nationally known leader in special needs planning, MetLife has the expertise to provide Team Members with the information they need to help secure a lifetime of care and help ensure quality of life and financial freedom for dependents with special needs, as well as peace of mind for caregivers. The service from the MetLife Center for Special Needs Planning SM is a voluntary benefit available to Team Members at no additional charge. The MetLife Center for Special Needs Planning helps educate through our workshop series on Special Needs Planning. MetLife has focused substantial resources on the financial concerns of families with dependents with special needs. Committed to addressing these financial needs, the MetLife Center for Special Needs Planning SM provides a number of additional services.

• Special Needs Planning Calculator, a valuable online tool, helps guide employees through the process of estimating their dependents’ potential income from wages, government benefits or other sources, as well as estimating future expenses. • Easy Website Access for setting up appointments or scheduling workshops via MetLife’s Team Member benefits Web site, MyBenefits

• Toll-free Customer Service Line, 1-877-638-3375 • Support Materials such as brochures, flyers, newsletters and e-mail communications • Access to our national nonprofit partners, which are some of the leading advocacy organizations in the U.S.

Legal, Auto and Pet Insurance Hyatt Legal Plan (MetLaw) - Whether it's selling a home, settling a dispute, establishing a will, or resolving financial difficulties, at some point in your life you will require legal assistance. Now you can get the professional guidance you need through the Hyatt Legal Plan through Metlaw. This benefit is offered to full-time Team Members and their dependents. The plan provides free unlimited telephone consultations with any attorney in the network to explain your rights, point out your options and if needed, recommend a course of action. When your legal matter cannot be resolved over the phone, you have the ability to make an appointment and meet with an attorney to discuss your situation. By using the services of a participating attorney, you will receive 100% coverage for most covered services. You may choose to use an out-of-network attorney and receive reimbursement for your legal services based on a benefit schedule. It's your choice! MetLife Auto Insurance - Offer special group discounts on auto insurance through MetLife Auto & Home. MetLife Pet Insurance - Offered as part of the MetLife voluntary benefits platform, veterinary pet insurance provides benefits for treatments related to accidents and illnesses, including cancer.

Identity Theft Program

Cigna provides the Identity Theft Program at no cost to all full-time Team Members as part of your life, accident and disability insurance package. Identity theft is a silent crime that can take you a year or more to restore your credit records as well as your good name. Cigna’s program provides you and your covered family members with resolution services to help you work through the critical and time-consuming issues you may encounter when your ID is stolen, including:

• Review of credit information • An ID theft resolution kit • An ID theft affidavit for use with credit bureaus and creditors • Help with reporting of ID theft to credit reporting agencies • Assistance with placing a fraud alert on credit reports • Canceling of lost or stolen credit cards

• Assistance with credit and charge card replacement and lost or stolen documents • Access to free credit reports • Education on how to identify and avoid ID theft • $1,000 cash advance to cover financial shortages, if needed • Emergency message relay • Help with emergency travel arrangements and translation services

Cigna Secure Travel® When traveling 100 miles or more from home on company business or vacation, the Cigna Secure Travel ® program provides you with emergency medical and travel services. Cigna’s Secure Travel ® toll-free customer service center is available 24 hours a day, 365 days a year. This service is provided by Cigna at no cost to a to all full-time Team Members as part of your basic life insurance package.

• Emergency medical evacuation assistance • 24-hour multilingual assistance • Pre-trip planning services, including foreign travel assistance • Medical referrals

• Prescription refills • Assistance with lost or stolen items • Translation and interpretation services

• Emergency travel services • Transportation of remains

Call toll-free from the U.S. and Canada— 888-226-4567 Call collect from all other locations— 202-331-7635

Policyholder Name: Pechanga Resort & Casino

Policy # OK-963998

Group # 57

Will Preparation Program The Cigna Will Preparation Program helps you prepare for the difficult life and health decisions we all are faced with in our lives. Cigna provides this service at no cost to full-time Team Members as part of your life insurance package. Cigna’s Will Center is secure, easy to use, and available to you and your covered spouse seven days a week, 365 days a year. Phone representatives are also available to assist you with questions via a toll-free number. The services available are:

• Last Will & Testament • Living Will

• Plus information on: – Estate Planning – Identify Theft Information Kit – Cigna’s Life and Disability Planning Kits

• Healthcare Power of Attorney • Financial Power of Attorney

www.CignaWillCenter.com Registration code: your date of birth plus the last four digits of your Social Security number

Unum Voluntary Benefits / 401(k) Savings Plan

Unum Voluntary Benefits You may enroll or make changes to the following benefits by speaking with a Benefit Enrollment Counselor during Open Enrollment. Please refer to Unum plan materials for additional information. Group Accident Insurance Unum’s voluntary accident plan is designed to help you with uncovered medical costs due to qualified accidents. The plan covers a wide range of injuries and accident related expenses such as hospitalization, physical therapy, hospital intensive care, transportation and lodging. The lump sum payment is tax free and coverage is available for you and your family. Group Critical Illness Insurance Unum’s voluntary critical illness plan pays a lump sum benefit at the first diagnosis of a covered illness, including heart attack, cancer and stroke. You may select between $5,000 and $50,000 of coverage and it can be used however you choose for expenses that health insurance doesn’t cover. This plan also includes a Wellness Benefit that pays $75 per insured per year for one covered test such as a pap smear, stress test, colonoscopy, etc. Interest Sensitive Whole Life Unum’s voluntary interest sensitive whole life insurance can offer more protection, including living benefits and other options that go beyond a typical term death benefit. The plan allows you to earn cash value and premiums do not increase due to age after the policy is issued.

401(k) Savings Plan The 401(k) Savings Plan makes saving for retirement easy. All Team Members are eligible to participate in the 401(k) plan. Enrolling in the Plan

TRI-AD www.tri-ad.com To enter the web site, you will first need to register using account using your social security number, date of birth, and zip code. During registration, you will be required to set up a user ID and password. 877-690-4015 Voice Response Available 24 Hours a Day, 7 Days a Week Customer Service Representatives 5:00 am- 6:00 pm PST weekdays Email: 401kmail@tri-ad.com

You can enroll in the plan the first of the month, after you have completed 90 days of employment with Pechanga Resort & Casino. You will receive enrollment materials to elect your Plan contribution amount, choose your investment options, and name your beneficiary. After you have completed one year of service, you will become eligible for the employer match with an entry date of January 1st or July 1st. Your Contributions • Contribute 1% to 80% of your pay up to the set IRS limits. Contributions are made on a pre-tax basis and you are taxed when you make a withdrawal. • 100% vested (own) in your contributions. • Change your contribution amount on a bi-weekly basis by going online at www.tri-ad.com . • Stop contributions at anytime by going online at www.tri-ad.com .

• “Catch up” contributions available for Team Members who are age 50 or older by the end of the Plan year. • Roll over your account balance from a prior qualified plan to your PR&C 401(k) Savings Plan. Contact TRI-AD for roll over information. PR&C Contributions • For every $1 you contribute (up to 6% of your salary) PR&C will match $0.50 (for a maximum match of 3%) of your contribution per pay period.

401(k) Savings Plan / Team Member Advantages

Vesting • You are vested in PR&C matching contributions in increments of 20% each year as long as you complete 1,000 hours worked from January through December during the year. Investments • Invest your contributions in any or all of the Plan's professionally managed funds. For more information on the plan's investment options go to www.tri-ad.com . • Change your investment options by logging into your account at www.tri-ad.com . • For investment advice, contact MJM401k at 310-899-3942 or via email at green@mjm401k.com . Plan Loans • Plan loans are available of up to 50% of your vested balance (not to exceed $50,000). Contact TRI-AD for additional information.

Team Member Advantages Funeral Expenses

PR&C provides up to $5,000 to help cover funeral expenses for the death of a Team Member. (Benefit is available after your 90-day benefit eligibility waiting period.) Payment will be made directly to the funeral home upon presentation of a bill for funeral services by an immediate family member or a designated estate planner. Education Assistance PR&C encourages participation in educational programs so that

Education Assistance Team Member Eligibility • Full-Time Team Members are eligible after 1 year of continuous service. • Part-Time Team Members are eligible after completing 2,000 service hours.

Team Members can further develop their skills in their present positions. Eligible programs include seminars, university or trade school courses, self-study courses, instructional videos or any other suitable method. Educational courses, including individual college courses, must be related to the Team Member’s current position. Team Members must not be on a probationary status during the course of study and be employed by PR&C when the course or program ends.

PR&C Team Member Advantages & Discounts • Time off for bereavement leave & jury duty • Dedicated Service Awards • Onsite fitness center & health incentive gym discount • California theme park discounts

• Restaurant style Team Member dining rooms • Paid uniform with free dry cleaning • Dry cleaning service • Family Discounts at Pechanga Hotel • Family discounts at Pechanga restaurants • Gas discounts at Pechanga Gas Station

• Holiday parties & events • Holiday gift certificates

• Golf discounts at Journey • Discounts at Pechanga Spa • Discounts at Pechanga Car Detailing

• Pechanga Pals Referral Program • Team Member appreciation awards • Credit union membership

If you have any questions regarding the Team Member benefits listed on this page, contact Pechanga Resort & Casino's HR Benefits Department at (951) 770-8840.

References & Resources

Plan

Who To Call

Website

Phone Number

Medical • Framework Limited Health Coverage Tiered- Pricing Pharmacy • HMO (Gold & Silver)

Framework Health Email: memberservices@fibi.com www.tieredpharmacy.com

866-668-6299 800-517-4791

www.aetna.com www.aetna.com

877-402-8742 877-204-9186

Aetna Aetna

• OAMC

www.mycatamaranrx.com Specialty: www.briovarx.com

Claims: 800-880-1188 Mail Order: 800-880-1188 Specialty: 800-850-9122

Prescription

Catamaran

Dental • DHMO & DPPO

Delta Dental

www.deltadentalins.com

800-422-4234 (DHMO) 800-765-6003 (DPPO)

Vision • PPO

VSP

www.vsp.com

800-877-7195

Life Insurance • Basic Life & AD&D

Cigna Cigna Unum Cigna Cigna Unum Unum

www.cigna.com www.cigna.com www.unum.com www.cigna.com www.cigna.com www.unum.com www.unum.com www.tri-ad.com

800-238-2125 800-238-2125 800-635-5597 800-362-4462 800-362-4462 800-635-5597 800-635-5597 877-690-4015 800-821-6400 866-451-3399

• Voluntary Life & AD&D

• Whole Life

Disability • Voluntary STD • Voluntary LTD

Group Critical Illness

Group Accident

401(k) Savings Plan

TRI-AD MetLife

Hyatt Legal Plan (MetLaw) Flexible Spending Accounts Employee Assistance Program

www.legalplans.com

Discovery Benefits

www.discoverybenefits.com

Aetna

www.mylifevalues.com

800-342-8111 Pechanga (username) eap (password)

Secure Travel®

Cigna

Email: cigna@europassistance.com 888-226-4567 (US & Canada) 202-331-7635 (others call collect) Policy #: OK-963998; Grp#:57

Special Needs Planning Will Preparation Program Identity Theft Program

MetLife

www.metlife.com/mybenefits www.cignawillcenter.com

877-METDESK (638-3375)

Cigna Cigna

800-901-7534

Email: cigna@worldwideassistance.com www.worldwideassistance.com

888-226-4567 Policy#Ok-963998; Grp#: 57

Auto/Pet Insurance

MetLife

www.metlife.com/mybenefits

800-GET-MET8 (800-438-6388)

For all other benefit needs contact: Pechanga Resort & Casino’s HR Benefits Department

951-770-8840 Email: PRC_Benefits@Pechanga.com

NOTE : Statements in this guide are intended to summarize the benefits you receive from PR&C. The actual determination of your benefits is based solely on the plan documents provided by the insurance provider of each plan. This summary is not legally binding, is not a contract, and does not alter any original plan documents. For additional information, please contact the HR Benefits Department.

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