H.B. Fuller Company 2012 Open Enrollment:

1. H.B. Fuller Company2012 Open Enrollment: Helping you Buy Well, Use Well, Be Well October 2011

2. 2012 Plan Change Overview • Market 500 Plan eliminated • No other plan design changes • Medical premiums increased 2.5% • Dental premiums increased 4% • Slight increase in HSA limits • Added Teladoc program

3. 2012 Medical Premiums

4. Medical Plan Comparison

5. Do You need to enroll this year? Yes, but only if: • You are currently in the Market 500 Plan, or • You want to change any of your benefits, or • You have a High Deductible Plan and want to put money into a Health Savings Account through payroll deduction, or • You want to put pre-tax money into a Flexible Spending Account for Health Care or Dependent Care

6. When to Enroll • Enroll online or enroll by phone with Benefits Connection • 2012 Enrollment Guide is being sent out with the Fall Newsletter this year Enroll between October 25 and November 7

7. Resources and Tools For help with your benefit plan questions: • Fall 2011 For Your Benefit newsletter • 2012 Open Enrollment Guide • Aetna Navigator (medical and dental plans) • Aetna’s Plan Selection and Cost Estimator Tool • Benefits Connection Service Center • Aetna Service Center

8. Confirm your Benefits You are responsible to ensure that your benefits are correct. To do so: • Review the Confirmation Statement that you will receive in early December. • December 14 is the deadline for making corrections. • Review your first pay stub in the new year to make sure the deductions are correct.

9. Cost of Health Care • Actions you can take that may help reduce medical costs: • Get your preventive care • Participate in wellness programs • Enroll in most cost-effective plan for you • Switch to generic drugs • Use the prescription mail order program • Take advantage of tax-advantaged health savings accounts (HSAs) and flexible spending accounts (FSAs) • Use the right medical care provider for the right situations

10. Reminder on Cost of Care • Average cost per visit: • Emergency room - $550-750 • Regular doctor’s office - $110-150 • Urgent Care - $50-$100 • Teladoc - $38 (paid by the Company) • Nurse Line consult - $0 Aetna’s DocFind has a link for alternatives to the ER

11. Who And What Is Teladoc? • Teladoc is: • A resource to help resolve routine medical issues • A national network of board certified doctors • Available 24/7 for urgent-care consultations • Phone and/or online access to medical care • NOT a replacement for your primary care physician • NOT an Aetna program

12. When to Use Teladoc • Use Teladoc: • If you need care now that doesn’t require an ER (no blood, no breaks, no chest pain) • If you get sick when traveling • In inclement weather when you can’t get out to see your doctor • When you can’t get an appointment with your primary care physician

13. Why Use Teladoc? • Advantages/Benefits: • Healthcare made simple and on your terms • Less time away from work or family • Helps quickly treat common issues like Bronchitis, Allergies, Pink eye, Cold and flu symptoms, Ear infection, Pediatric care • Assistance is available in other languages

14. How Do I Use Teladoc? • To get started: • Set up an account online or by phone • Complete medical history disclosure (online, paper, phone) • When you are ill: • Contact Teladoc (phone or online) • Teladoc physician will review your information and contact you about your symptoms

15. Teladoc vs. Nurse Line • Use Teladoc if: • You may need a prescription • You want a diagnosis • Use Nurse Line if: • You want to check symptoms • You’re not sure if you need to see a doctor • You want to discuss a medical issue that doesn’t need a diagnosis

16. Disease Management • This program helps you learn how to: • ■ Get the treatment and preventive care you need • ■ Understand and follow your doctor’s treatment plan • ■ Better manage your ongoing conditions • ■ Make changes to reach your personal health goals • ■ Identify and manage your risks for other conditions

17. Disease Management • You can be referred to the program through: • ■ Your doctor • ■ Aetna patient management systems • ■ Medical and pharmacy claims data • ■ Self-referral • If your doctor or Aetna refer you to the program, you will receive a phone call from an Aetna nurse. If you want to do self-referral, you will need to call Aetna. In either case

18. Disease Conditions • Heart and blood system • > Heart failure • > Diabetes (adult and child) • > Coronary artery disease • > Peripheral artery disease • > High blood pressure (adult and child) • > Cerebrovascular disease/stroke • > High cholesterol • Bones • > Osteoarthritis • > Osteoporosis • > Rheumatoid arthritis • > Chronic low back pain • Cancer • > General cancer • > Breast cancer • > Lung cancer • > Lymphoma/leukemia • > Prostate cancer • > Colorectal cancer • Brain and old age • > Geriatrics • > Migraine • > Seizure disorder • > Parkinsonism • Digestive • > Heartburn/GERD • > Peptic ulcer disease • > IBD, Crohn’s disease and ulcerative colitis • > Chronic hepatitis • Kidney • > Chronic kidney disease • > End-stage kidney disease • Other • > Hypercoagulable (increased blood clotting) • > Sickle cell disease (adult and child) • > Cystic fibrosis • > HIV (human immunodeficiency virus) • > Weight management (adult and child) • Lungs • > Asthma (adult and child) • > COPD (chronic obstructive pulmonary disease)

19. 2012 Legislative Changes The following changes take effect for us in 2012: • Cost of health care will be added to your W-2 for the 2012 benefit year. W-2’s will be issued in January 2013. • A four-page summary of your benefits is required to be sent to your home in March 2013. Legislation is not finalized on this, but we will let you know more later.

20. Thank you for your time! Questions?