Destination: 2012 Benefit Enrollment

1. Destination: 2012 Benefit Enrollment Use this presentation � if your meetings are Week of 10/10 For meetings starting 10/17, presentation will include an intro video of Jan Presentation is set up as such: Introduction - Current health care environment - The road ahead � building a culture of health 2. what�s new for 2012 3. recap of benefit options (following the flow of enrollment form) 4. Navigating OE (key dates, etc) Use this presentation � if your meetings are Week of 10/10 For meetings starting 10/17, presentation will include an intro video of Jan Presentation is set up as such: Introduction - Current health care environment - The road ahead � building a culture of health 2. what�s new for 2012 3. recap of benefit options (following the flow of enrollment form) 4. Navigating OE (key dates, etc)

2. 2012 Open Enrollment Current Health Care Environment Road Ahead � Culture of Health We have a short introductory video where our Vice President of Human Resources will give us an overview of the current health care environment and introduce us to the Road Ahead � a Culture of health Notes for video: You can use the video icon in the slide to get to the video Have the video loaded and ready to go before your open enrollment meeting. It�s large so it needs time to download and stream. If you have a slow computer, click on the link well in advance of your meeting. Leave Window�s Media open and just have the video paused at the start. Then when you have your meeting, just un-pause or play and you should avoid any streaming issues. We have a short introductory video where our Vice President of Human Resources will give us an overview of the current health care environment and introduce us to the Road Ahead � a Culture of health Notes for video: You can use the video icon in the slide to get to the video Have the video loaded and ready to go before your open enrollment meeting. It�s large so it needs time to download and stream. If you have a slow computer, click on the link well in advance of your meeting. Leave Window�s Media open and just have the video paused at the start. Then when you have your meeting, just un-pause or play and you should avoid any streaming issues.

3. Open Enrollment What�s New for 2012 Your Benefit Options for 2012 Navigating Open Enrollment Questions? 3 Making decisions about benefit coverage for you and your family is one of the most important decisions you can make. As with any critical buying decision, you should carefully think about your benefit needs for the coming year and decide whether you need to make changes for the coming year. We want to help you make informed decisions about your benefits which is precisely why we are here today -- covering the following items � [Read through agenda] We have a lot to cover, so let�s get started! Making decisions about benefit coverage for you and your family is one of the most important decisions you can make. As with any critical buying decision, you should carefully think about your benefit needs for the coming year and decide whether you need to make changes for the coming year. We want to help you make informed decisions about your benefits which is precisely why we are here today -- covering the following items � [Read through agenda] We have a lot to cover, so let�s get started!

4. Road Map to What�s New for 2012 All Good News! No employee contribution increases Streamlined approach to delivering total health services to members ONE BorgWarner-dedicated line for all CIGNA health and wellness needs CIGNA Personal Health Team service model A Health Advocate as your personal CIGNA resource Expanded incentive opportunities New $300 out-of-pocket maximum for mail-order Brand, Non-formulary prescriptions Thanks to our combined efforts over the past years, we are looking at all good news for 2012! [Read through slide] Note � vision is not available through BW dedicated line because of VSP. All others are.Thanks to our combined efforts over the past years, we are looking at all good news for 2012! [Read through slide] Note � vision is not available through BW dedicated line because of VSP. All others are.

5. A Better Way to Support Your Total Health BorgWarner teamed with CIGNA to develop a better way to deliver health and wellness support to our members The result is an enhanced service model, called the CIGNA Personal Health Team We consolidated all CIGNA benefit plans and wellness programs under one �total health� umbrella - As you see from this diagram, the current CIGNA programs still exist, they are just integrated and under one umbrella. Now CIGNA members have ONE main entry point (phone number) into the health care system for support related to all aspects of your well-being This new service model takes the hassle, confusion and guesswork out of getting the right support, the right way and at the right time BorgWarner teamed with CIGNA to develop a better way to deliver health and wellness support to our members The result is an enhanced service model, called the CIGNA Personal Health Team We consolidated all CIGNA benefit plans and wellness programs under one �total health� umbrella - As you see from this diagram, the current CIGNA programs still exist, they are just integrated and under one umbrella. Now CIGNA members have ONE main entry point (phone number) into the health care system for support related to all aspects of your well-being This new service model takes the hassle, confusion and guesswork out of getting the right support, the right way and at the right time

6. A Better Way to Support Your Total Health One Main Phone Number (1-800-237-2904) Access to CIGNA Personal Health Team Your Own Personal Health Advocate Available to all CIGNA members Employees and covered family members Non-CIGNA medical members have access to the CIGNA EAP services only One Phone Number Whether you have a question about your health benefits, are checking on the status of a medical claim, have a basic health question or are interested in getting support to change a health behavior, starting January 1, 2012 you simply call ONE phone number. Vision is not included because of VSP. No more keeping track of multiple CIGNA phone numbers! And, for added service, this phone number is a dedicated line for use only by BorgWarner employees and family members. Access to a CIGNA Personal Health Team You now have access to a dedicated health team who works together behind the scenes to provide you with seamless support. Your Personal Health Team consists of a wide range of health specialists�including nurses, dieticians, clinicians and counselors�who stand ready to support you. Your Own Personal Health Advocate Your Personal Health Team is led by a Health Advocate. They are your first and primary point of contact whenever you require health and wellness support from CIGNA. Your Health Advocate personally makes sure your health and wellness needs are fully understood and that you are quickly and easily connected to the proper support, programs and resources. This means you no longer need to figure out on your own which CIGNA wellness programs would be the best fit for you. By working with your Health Advocate, you can be assured you are getting the most appropriate and effective support available! Available to all CIGNA members: If you are not covered under a CIGNA medical plan, your access to the Personal Health Team is limited to services related to the CIGNA Employee Assistance Program (EAP) only. One Phone Number Whether you have a question about your health benefits, are checking on the status of a medical claim, have a basic health question or are interested in getting support to change a health behavior, starting January 1, 2012 you simply call ONE phone number. Vision is not included because of VSP. No more keeping track of multiple CIGNA phone numbers! And, for added service, this phone number is a dedicated line for use only by BorgWarner employees and family members. Access to a CIGNA Personal Health Team You now have access to a dedicated health team who works together behind the scenes to provide you with seamless support. Your Personal Health Team consists of a wide range of health specialists�including nurses, dieticians, clinicians and counselors�who stand ready to support you. Your Own Personal Health Advocate Your Personal Health Team is led by a Health Advocate. They are your first and primary point of contact whenever you require health and wellness support from CIGNA. Your Health Advocate personally makes sure your health and wellness needs are fully understood and that you are quickly and easily connected to the proper support, programs and resources. This means you no longer need to figure out on your own which CIGNA wellness programs would be the best fit for you. By working with your Health Advocate, you can be assured you are getting the most appropriate and effective support available! Available to all CIGNA members: If you are not covered under a CIGNA medical plan, your access to the Personal Health Team is limited to services related to the CIGNA Employee Assistance Program (EAP) only.

7. How it Works (as of January 1, 2012) [Walk through schematic] Privacy Comments: It is important to understand that your privacy is important to us. BorgWarner and CIGNA have strict policies in place to protect the privacy of your personal health information. All Personal Health Team members are trained to handle each call with the utmost confidentiality. They follow careful protocols that comply with all governmental privacy standards. For more information about your privacy rights, visit www.mycigna.com ][Walk through schematic] Privacy Comments: It is important to understand that your privacy is important to us. BorgWarner and CIGNA have strict policies in place to protect the privacy of your personal health information. All Personal Health Team members are trained to handle each call with the utmost confidentiality. They follow careful protocols that comply with all governmental privacy standards. For more information about your privacy rights, visit www.mycigna.com ]

8. How a Health Advocate Can Help Discuss your CIGNA HRQ results and action steps Support changing unhealthy habits Tobacco, Stress & Weight Help you better manage chronic conditions Designing a personalized action plan under doctor�s guidance Provide educational materials, reminders of important tests/exams, self-care information Explain the preventive care benefit and the screenings that are appropriate for you Provide unbiased advice on treatment options Offer support for mental health issues, substance abuse and emotional crisis Help resolve life�s day-to-day challenges Providing referrals to counseling and community services�from senior housing to support groups From quick answers to basic health questions to addressing more serious and involved health needs, your Health Advocate is a reliable, unbiased and compassionate resource. Whether your goal is to stay healthy, feel better or improve your quality of life by more effectively managing a chronic condition, one phone call can make a real difference. By confidentially working with your Health Advocate, you can: [Read through Slide] � it�s animated for each checkmark to make it easy for the employees to followFrom quick answers to basic health questions to addressing more serious and involved health needs, your Health Advocate is a reliable, unbiased and compassionate resource. Whether your goal is to stay healthy, feel better or improve your quality of life by more effectively managing a chronic condition, one phone call can make a real difference. By confidentially working with your Health Advocate, you can: [Read through Slide] � it�s animated for each checkmark to make it easy for the employees to follow

9. Advantages of New Approach Easy Access. Just call one single number Personal. The Personal Health Team is specially trained on BorgWarner and its culture Consistent and Dedicated Resource. Your Health Advocate will be your main contact for health and wellness needs More Robust and Integrated Chronic Condition Support. Coordinated Outreach. The primary reason we are moving to this new service model is to improve your member experience and to make it easier for you to get the support you need. Specifically, this approach offers: [Read through Slide] Easy Access. Call one single number dedicated to BorgWarner employees and family members Personal. The Personal Health Team is specially trained on BorgWarner and its culture Consistent and Dedicated Resource. Your Health Advocate serves as your main contact for all your health and wellness needs More Robust and Integrated Chronic Condition Support. CIGNA can address a broader range of chronic conditions, and these members can now deal with the same Health Advocate across the full spectrum of their care, not just chronic issues Coordinated Outreach. A member of your Personal Health Team is the only one who will contact you with an initial welcome and then a second introductory call IF you have been referred to a program based on claims or CIGNA HRQ results The primary reason we are moving to this new service model is to improve your member experience and to make it easier for you to get the support you need. Specifically, this approach offers: [Read through Slide] Easy Access. Call one single number dedicated to BorgWarner employees and family members Personal. The Personal Health Team is specially trained on BorgWarner and its culture Consistent and Dedicated Resource. Your Health Advocate serves as your main contact for all your health and wellness needs More Robust and Integrated Chronic Condition Support. CIGNA can address a broader range of chronic conditions, and these members can now deal with the same Health Advocate across the full spectrum of their care, not just chronic issues Coordinated Outreach. A member of your Personal Health Team is the only one who will contact you with an initial welcome and then a second introductory call IF you have been referred to a program based on claims or CIGNA HRQ results

10. Incentives for Health Improvement New incentive opportunities starting January 2012 Offered in addition to existing Premium Discounts New incentive opportunities for spouses Offered in addition to existing Premium Discounts BorgWarner will reward you and/or your spouse with Health Reimbursement Account (HRA) credits Must of a CIGNA medical plan member for credits And/or taxable cash for fitness attendance (for employees only) Earned HRA credits will be credited six to eight weeks after they are earned We are expanding our incentive program to encourage employees and their spouses to move toward health behaviors. These incentives were shaped by feedback received from employee focus groups held in July. We started in 2010 by providing medical premium discount incentives for completion of health assessments and tobacco-free lifestyles. Now employees and spouses have a number of ways to earn rewards for healthy behaviors as we expand the incentive program: The goal of this incentive program is to give added motivation and inspiration for changing unhealthy behaviors into healthier ones. Here�s an overview of how it works: [Read through slide]We are expanding our incentive program to encourage employees and their spouses to move toward health behaviors. These incentives were shaped by feedback received from employee focus groups held in July. We started in 2010 by providing medical premium discount incentives for completion of health assessments and tobacco-free lifestyles. Now employees and spouses have a number of ways to earn rewards for healthy behaviors as we expand the incentive program: The goal of this incentive program is to give added motivation and inspiration for changing unhealthy behaviors into healthier ones. Here�s an overview of how it works: [Read through slide]

11. Incentives for Health Improvement HRQ Pledge Complete pledge on enrollment form by Nov. 11 Take CIGNA HRQ online by Nov. 30, 2011 $50 monthly premium applied January 2012 If completed after Nov. 30 deadline, discount applied within 30 days of taking CIGNA HRQ Tobacco Cessation Pledge Complete pledge on enrollment form by Nov. 11 If required, complete program by Feb. 29, 2012, otherwise premium will return to regular rate as of April 1, 2012 Must use CIGNA Quit Today� program or other HR-approved program $50 monthly premium applied Jan. 1, 2012 This is not new. We currently have 2 incentives through premium discounts. [Read through slide] HRQ completion � anytime taken in 2011 counts for 2012 Tobacco cessation � taken prior to OE doesn�t count CIGNA Quit Today � after 1/1/2012, the only method of participation is telephonically. Online will no longer be available. If Tobacco cessation program completed after Feb 29th, the premium discount will be applied with 30 days after completion of programThis is not new. We currently have 2 incentives through premium discounts. [Read through slide] HRQ completion � anytime taken in 2011 counts for 2012 Tobacco cessation � taken prior to OE doesn�t count CIGNA Quit Today � after 1/1/2012, the only method of participation is telephonically. Online will no longer be available. If Tobacco cessation program completed after Feb 29th, the premium discount will be applied with 30 days after completion of program

12. Incentives for Health Improvement In your 2012 Open Enrollment Benefits Guide on pg 8 there is a similar medical contribution grid So let�s take a look at the monthly medical contributions you can expect this year and how the possible premium discounts could affect your costs� [walk through chart] As you see, for comparison purposes we are showing you three types of numbers: The 2012 FULL discount rate for completing BOTH premium discounts, the 2012 PARTIAL discount rate for completing ONE of the premium discounts and the full UNREDUCED 2012 employee contribution rates. Under the Basic Plan by earning BOTH the HRQ Discount and Tobacco-Cessation Discount you can completely offset the 2012 contribution increase. And for the Buy-Up Plan, the discounts offset most of the increase. Again, I want to stress that although the dollar amount of employee premiums increased, the PORTION of the total cost of care that employees pay versus BW is still in line with our general cost sharing target of 80%/20%. In other words, if you looked at the full cost of health care as a pie, employees �piece� of the pie that they are asked to pay is a pretty small sliver =20%; BW pays remaining 80%.In your 2012 Open Enrollment Benefits Guide on pg 8 there is a similar medical contribution grid So let�s take a look at the monthly medical contributions you can expect this year and how the possible premium discounts could affect your costs� [walk through chart] As you see, for comparison purposes we are showing you three types of numbers: The 2012 FULL discount rate for completing BOTH premium discounts, the 2012 PARTIAL discount rate for completing ONE of the premium discounts and the full UNREDUCED 2012 employee contribution rates. Under the Basic Plan by earning BOTH the HRQ Discount and Tobacco-Cessation Discount you can completely offset the 2012 contribution increase. And for the Buy-Up Plan, the discounts offset most of the increase. Again, I want to stress that although the dollar amount of employee premiums increased, the PORTION of the total cost of care that employees pay versus BW is still in line with our general cost sharing target of 80%/20%. In other words, if you looked at the full cost of health care as a pie, employees �piece� of the pie that they are asked to pay is a pretty small sliver =20%; BW pays remaining 80%.

13. Incentives for Health Improvement Login to your www.mycigna.com page Under �Manage My Health� , click on �My Health Assessment� Follow the instructions. If you�ve taken this before, click on �Take Again� next to your last wellness score resultLogin to your www.mycigna.com page Under �Manage My Health� , click on �My Health Assessment� Follow the instructions. If you�ve taken this before, click on �Take Again� next to your last wellness score result

14. Incentives for Health Improvement

15. Incentives for Health Improvement You can find this chart on page 7 of your 2012 Enrollment Guide You see there are a number of new incentives in addition to the current premium discounts, and they include [Read through chart] [Stress the following:] An employee or spouse can earn a maximum of $200 in credits to their HRA This fitness attendance incentive option does not impact locations with existing fitness programs and is only available to employees Employees receiving the $200 maximum in HRA credits are not eligible for fitness reimbursement Fitness program shown in chart only applies to locations who do not currently have a fitness reimbursement program. More information and specifics will be rolled out later this year Annual reimbursement applied after HRA incentives = $250 � HRA incentives less than $200 = amount of taxable cash For locations with existing programs: You can keep your existing program (employees and spouses are still eligible for up to $200 in HRA incentives) since those costs have already been budgeted for You can choose to follow the fitness program rolled out later this year You can find this chart on page 7 of your 2012 Enrollment Guide You see there are a number of new incentives in addition to the current premium discounts, and they include [Read through chart] [Stress the following:] An employee or spouse can earn a maximum of $200 in credits to their HRA This fitness attendance incentive option does not impact locations with existing fitness programs and is only available to employees Employees receiving the $200 maximum in HRA credits are not eligible for fitness reimbursement Fitness program shown in chart only applies to locations who do not currently have a fitness reimbursement program. More information and specifics will be rolled out later this year Annual reimbursement applied after HRA incentives = $250 � HRA incentives less than $200 = amount of taxable cash For locations with existing programs: You can keep your existing program (employees and spouses are still eligible for up to $200 in HRA incentives) since those costs have already been budgeted for You can choose to follow the fitness program rolled out later this year

16. Rewards Everyone�Regardless of Health Status How a Currently Healthy Member Can Benefit: Earn $50 monthly premium discount for taking the CIGNA HRQ online Earn a $50 monthly premium discount for living a tobacco-free lifestyle PLUS� Earn up to $250 annual reimbursement, net of any employee HRA credits earned, in taxable cash for fitness attendance Incentives for Health Improvement The BorgWarner Wellness Incentive Program is an equal opportunity program�meaning the opportunity to earn incentives is available regardless of your current health status. The program is designed to not only help the unhealthy become healthier, but to help make sure the healthy STAY healthy! Here is an example of the incentive opportunities for a healthy person: [Read through slide] While the programs offered may not apply to you right now, they may in the future. The BorgWarner Wellness Incentive Program is an equal opportunity program�meaning the opportunity to earn incentives is available regardless of your current health status. The program is designed to not only help the unhealthy become healthier, but to help make sure the healthy STAY healthy! Here is an example of the incentive opportunities for a healthy person: [Read through slide] While the programs offered may not apply to you right now, they may in the future.

17. Any questions about the changes? Then let�s walk through your options for 2012� Any questions about the changes? Then let�s walk through your options for 2012�

18. Your 2012 Benefit Options Medical/Rx Dental/Vision Flexible Spending Accounts (FSAs) Life and Disability Insurance Your benefit options for 2012 include: Medical with prescription drug Dental/Vision Flexible Spending Accounts Life and Disability Insurance Your benefit options for 2012 include: Medical with prescription drug Dental/Vision Flexible Spending Accounts Life and Disability Insurance

19. Medical Plan Options (Family Coverage) BorgWarner offers 2 medical plans: The Basic Plan and the Buy-Up Plan Basic Plan: Offers zero payroll contributions when BOTH premium discounts are applied But provides less first dollar coverage, therefore, may require higher out-of-pocket costs if and when a member need care Buy-Up Plan: More upfront costs through payroll deductions But Offers more first dollar HRA coverage, and therefore lower out-of-pocket costs at the time care is needed Walk through the design if your employees need it BorgWarner offers 2 medical plans: The Basic Plan and the Buy-Up Plan Basic Plan: Offers zero payroll contributions when BOTH premium discounts are applied But provides less first dollar coverage, therefore, may require higher out-of-pocket costs if and when a member need care Buy-Up Plan: More upfront costs through payroll deductions But Offers more first dollar HRA coverage, and therefore lower out-of-pocket costs at the time care is needed Walk through the design if your employees need it

20. Medical Plan Options (Employee Only) Here is the same illustration but for Employee coverage. Here is the same illustration but for Employee coverage.

21. Medical Plan Options This chart is similar to what you saw earlier but with a bit more detail. You can find it in your Open Enrollment Guide. [walk through chart] - Point out key differences: BorgWarner paid HRA funds Member deductible gap Coinsurance % after plan deductible is met It is important to note that the Out-of-Pocket Maximum shown has already taken into account the HRA dollars. This chart is similar to what you saw earlier but with a bit more detail. You can find it in your Open Enrollment Guide. [walk through chart] - Point out key differences: BorgWarner paid HRA funds Member deductible gap Coinsurance % after plan deductible is met It is important to note that the Out-of-Pocket Maximum shown has already taken into account the HRA dollars.

22. Trouble Choosing a Medical Plan? Try CIGNA�s plan selector and cost estimator tools Estimate how much you will use covered services, such as doctors� visits, specialty care, Rx, etc. Calculate the approximate cost of care Compare medical plans based on estimated out-of-pocket costs, payroll deductions and BorgWarner contributions [read through slide] For cost estimator tools, login to mycigna.com For plan selector tool, refer to the inside cover of your open enrollment guide for information[read through slide] For cost estimator tools, login to mycigna.com For plan selector tool, refer to the inside cover of your open enrollment guide for information

23. Preventive Care Coverage preventive services are covered at 100% don�t be wrongly billed for preventive care Be sure to remind your provider to code the services as �preventive� [read through slide] Preventive care services are covered at 100% by the medical plans Here�s a list of some of these services. For a complete list, visit www.mycigna.com When you go for your preventive care services, be sure to remind your provider to code the service as �preventive�. This will ensure you won�t be wrongly billed for your preventive care. Correctly coding preventive care services is KEY to receiving accurate billing for those services. [read through slide] Preventive care services are covered at 100% by the medical plans Here�s a list of some of these services. For a complete list, visit www.mycigna.com When you go for your preventive care services, be sure to remind your provider to code the service as �preventive�. This will ensure you won�t be wrongly billed for your preventive care. Correctly coding preventive care services is KEY to receiving accurate billing for those services.

24. Prescription Drug Plan Both medical plans offer one prescription drug plan design. Retail supplies are limited to a 30-day supply, mail order to a 90 day supply. Generics are $8 when purchasing a 30-day supply and $16 for a 90-day supply. And the diabetes medications (when generic) have NO COPAY Brand Formulary, or preferred brand, are $8 plus 30%. Thru mail order, your cost is 30% capped at $150 for 90 days Brand non-formulary, or non-preferred brand drugs, are $8 plus 50% retail �- or 50% mail order with A NEW CAP for 2012 of $300 for a 90 day supply In the lower half of the chart, you�ll see Specialty Pharmacy, a dispensing program used for the highest-cost drugs treating chronic medical conditions like Rheumatoid Arthritis, MS and Cancer. Details on Specialty can be found in your Enrollment Guide. Your cost for these drugs follows the normal retail and mail order copays, however, non-formulary drugs at Specialty pharmacy are capped. For the most savings - Use generic or brand formulary drugs whenever possible. Both medical plans offer one prescription drug plan design. Retail supplies are limited to a 30-day supply, mail order to a 90 day supply. Generics are $8 when purchasing a 30-day supply and $16 for a 90-day supply. And the diabetes medications (when generic) have NO COPAY Brand Formulary, or preferred brand, are $8 plus 30%. Thru mail order, your cost is 30% capped at $150 for 90 days Brand non-formulary, or non-preferred brand drugs, are $8 plus 50% retail �- or 50% mail order with A NEW CAP for 2012 of $300 for a 90 day supply In the lower half of the chart, you�ll see Specialty Pharmacy, a dispensing program used for the highest-cost drugs treating chronic medical conditions like Rheumatoid Arthritis, MS and Cancer. Details on Specialty can be found in your Enrollment Guide. Your cost for these drugs follows the normal retail and mail order copays, however, non-formulary drugs at Specialty pharmacy are capped. For the most savings - Use generic or brand formulary drugs whenever possible.

25. Dental/Vision � Combined Benefit Dental Checkups Fillings Braces Vision Eye exams Glasses or contacts Go to www.mycigna.com then click on �Vision� under �Review My Coverage� for vision directory In addition to Medical, you can choose Dental/Vision coverage. This is the very same plan that was offered last year. It covers dental checkups, fillings and braces as well as eye exams and glasses or contacts. Your enrollment guide includes a detailed list of what the plan covers. If you decide to enroll, you can choose Employee, Employee +1 or Family coverage. No costs changes for 2011! [Read through table] In addition to Medical, you can choose Dental/Vision coverage. This is the very same plan that was offered last year. It covers dental checkups, fillings and braces as well as eye exams and glasses or contacts. Your enrollment guide includes a detailed list of what the plan covers. If you decide to enroll, you can choose Employee, Employee +1 or Family coverage. No costs changes for 2011! [Read through table]

26. Flexible Spending Accounts Health Care FSA or Dependent Care FSA Employee-funded: You make tax-free contributions and you get tax-free reimbursements Health Care FSA: Full amount available January 1 for HC FSA Use to fund your member deductible gap Federal rule says year-end balance forfeited if not used by Mar. 15, 2013 Have until Mar. 31, 2013 to submit claims Dependent Care FSA forfeits if not used by Dec. 31, 2012 You must enroll every year Reimbursement options: Direct deposit � go on-line to enroll at www.mycigna.com, or call 1-800-237-2904 Check � default method [Read through slide] [Read through slide]

27. Flexible Spending Accounts continued How Health Care FSA claims are paid: 2012 FSA dollars: Health care services received January 1, 2012-March 15, 2013 Have until March 31, 2013 to file 2012 claims Remaining 2011 FSA dollars: Health care services received by March 15, 2012 Have until March 31, 2012 to file claims or your 2011 funds are forfeited Auto - Forwarding Claims Process CIGNA Medical, Dental and Rx claims are automatically sent directly to CIGNA FSA for direct payment to your provider No claim forms to fill out or receipts to keep track of Order of reimbursement for claims (deductibles, coinsurance, Rx co-pays): 1st - Any remaining FSA dollars from 2011 � applicable only for claims incurred prior to 3/15/12 2nd - HRA funds 3rd - FSA for 2012 [Read through the slide] Auto-forwarding � is the default. Employees must opt out If any employee opts out, they have to submit an FSA reimbursement claim form to use FSA dollars forms are available on the www.mycigna.com website [Read through the slide] Auto-forwarding � is the default. Employees must opt out If any employee opts out, they have to submit an FSA reimbursement claim form to use FSA dollars forms are available on the www.mycigna.com website

28. Long-Term Disability [Read through slide] Talk about Personalized LTD letter: You should have all received a personalized letter from CIGNA comparing the basic and buy-up LTD plans using your information. [Read through slide] Talk about Personalized LTD letter: You should have all received a personalized letter from CIGNA comparing the basic and buy-up LTD plans using your information.

29. Life Insurance Benefits � Company Paid Basic Life Offered directly through MetLife: www.Metlife.com/mybenefits Provides financial protection for your survivors in event of your death while employed at BorgWarner Benefit is equal to the amount of your annual base pay Minimum of $25,000 to maximum of $500,000 AD&D Accident benefit: 1 times annual base pay up to $500,000 Total Disability benefit: 1% of Accidental Death benefit up to 100 months Business Travel Accident & Medical Insurance Only applies to company-approved travel for BorgWarner Offered through CIGNA this coverage combines global accident coverage with international medical protection Refer to online Benefits Reference Guide for details [Read through slide] [Read through slide]

30. Optional Life Insurance Employee contributes to cost Offered directly through MetLife www.Metlife.com/mybenefits Coverage options include: Employee Life: 1 times annual base pay up to 8 times base pay Spouse Optional Life: $5,000/$10,000/$25,000/$50,000/$150,000/$250,000 Child Dependent Life: $5,000/$10,000/$15,000/$20,000 No �guaranteed coverage� during open enrollment Subject to Evidence of Insurability (EOI) [Read slide] For details about your Optional Life Insurance Options or to enroll, please refer to your MetLife Enrollment materials. They are available on the www.borgwarner.com/benefits site [Read slide] For details about your Optional Life Insurance Options or to enroll, please refer to your MetLife Enrollment materials. They are available on the www.borgwarner.com/benefits site

31. Additional Points of Interest Now that you have the information you need, it�s time to enroll� Now that you have the information you need, it�s time to enroll�

32. Roadside Assistance Choosing benefits is very important. If you have any questions, please ask! There are several ways you can get answers: Contact information is in the front cover of the Open Enrollment Guide and the online Benefits Reference Guide.Choosing benefits is very important. If you have any questions, please ask! There are several ways you can get answers: Contact information is in the front cover of the Open Enrollment Guide and the online Benefits Reference Guide.

33. Roadside Assistance You can also go to www.BorgWarner.com/benefits, our internet site with helpful benefit information including: Plan descriptions Links to our providers Links to calculators And a copy of the presentation You can also go to www.BorgWarner.com/benefits, our internet site with helpful benefit information including: Plan descriptions Links to our providers Links to calculators And a copy of the presentation

34. Key Dates [Read through slide] Here are some key dates to make note of: In December you will receive more information about the program directly from CIGNA Starting January 1, 2012, you can begin using the dedicated phone number for BorgWarner employees and family members at 1-800-237-2904. At that time, you are invited to reach out and initiate a call to your Health Advocate who can share more about the available wellness programs. Or you can expect to receive a �welcome� call from a member of your Personal Health Team to inform you of available services. [Read through slide]

35. Your Destination: 2012 Enrollment Enroll by November 11 I appreciate the opportunity to talk to you about the valuable benefits BorgWarner offers. Does anyone have questions? [ANSWER QUESTIONS] Once again, thank you for coming today. Please don�t forget to enroll before Nov. 11 I appreciate the opportunity to talk to you about the valuable benefits BorgWarner offers. Does anyone have questions? [ANSWER QUESTIONS] Once again, thank you for coming today. Please don�t forget to enroll before Nov. 11

36. [Note to facilitators: The following slides are optional slides that either recap detailed information or elaborate on various points throughout the presentation. It is up to you as to whether you use them or not.][Note to facilitators: The following slides are optional slides that either recap detailed information or elaborate on various points throughout the presentation. It is up to you as to whether you use them or not.]

37. Flexible Spending Accounts continued [Read through the slide] [Read through the slide]

38. Flexible Spending Accounts continued [Read through the slide] [Read through the slide]

39. Flexible Spending Accounts continued [Read through the slide] [Read through the slide]

40. CIGNA Quit Today CIGNA Quit Today� 8-week program Telephonic Coaching Coach credentials � minimum BS in psychology, nursing, counseling, health education Support lines available in English and Spanish Program includes: Toolkits Free Nicotine replacements � OTC patch/gum Participate as many times as necessary to obtain success As mentioned, Quit Today is a program offer through Cigna behavioral health that can be utilized by Cigna, who are 18 years and older. 8-week telephonic program options and is available in English and Spanish the participant will receive a tool kit mailed to the participant�s home And, nicotine replacements are available through Quit Today, delivery to you from CIGNA pharmacy. [Note � if asked: approximately 10% of tobacco users typically go through a cessation program. Of those that participant, 85% obtain success in about 6 months. Success is measured by 2 consecutive months of cessation.] Studies shows that participants prefer to use the telephonic method. As mentioned, Quit Today is a program offer through Cigna behavioral health that can be utilized by Cigna, who are 18 years and older. 8-week telephonic program options and is available in English and Spanish the participant will receive a tool kit mailed to the participant�s home And, nicotine replacements are available through Quit Today, delivery to you from CIGNA pharmacy. [Note � if asked: approximately 10% of tobacco users typically go through a cessation program. Of those that participant, 85% obtain success in about 6 months. Success is measured by 2 consecutive months of cessation.] Studies shows that participants prefer to use the telephonic method.

41. CIGNA Quit Today continued Let�s take a closer look at the telephonic coaching method� The participant will receive one-on-one telephonic sessions from a dedicated wellness coach using a toll free number for 8-weeks. Based upon the answers to the questions asked, the coach will develop a personalized quit plan, and a tool kit will be mailed to the participant�s home. The support line is available 24/7. The participate will also be contacted to monitor their success. Let�s take a closer look at the telephonic coaching method� The participant will receive one-on-one telephonic sessions from a dedicated wellness coach using a toll free number for 8-weeks. Based upon the answers to the questions asked, the coach will develop a personalized quit plan, and a tool kit will be mailed to the participant�s home. The support line is available 24/7. The participate will also be contacted to monitor their success.

42. CIGNA Quit Today continued Tobacco Cessation Drug Aids via CIGNA Pharmacy Through the Quit Today� program certain drugs can be covered under the CIGNA Pharmacy: Nicotine inhibitor and certain anti-depressants $0 copay, limited to 1x per year If a second attempt is needed, you can still receive refills under your normal co-insurance share. Let�s talk about the tobacco cessation drug aids. These are available through the Cigna Pharmacy. It covers nicotine inhibitor � Chantix, and certain anti-depressants - Zyban, Wellbutrin. These scripts are covered 1x per year at a $0 copay. However, if you need additional refills, they can purchase them under your regular prescription plan. The OTC nicotine replacements are free only through the Quit Today Program � they cannot be purchased under the CIGNA pharmacy. NOTE: Additional prescriptions: Chantix � available only through mail order, 90-day supply. (2nd Tier $8 + 30%) Zyban, Wellturin �available through retail or mail order (3rd Tier $8 + 50%) Let�s talk about the tobacco cessation drug aids. These are available through the Cigna Pharmacy. It covers nicotine inhibitor � Chantix, and certain anti-depressants - Zyban, Wellbutrin. These scripts are covered 1x per year at a $0 copay. However, if you need additional refills, they can purchase them under your regular prescription plan. The OTC nicotine replacements are free only through the Quit Today Program � they cannot be purchased under the CIGNA pharmacy. NOTE: Additional prescriptions: Chantix � available only through mail order, 90-day supply. (2nd Tier $8 + 30%) Zyban, Wellturin �available through retail or mail order (3rd Tier $8 + 50%)

43. HRQ Online: www.mycigna.com Accessing The HRQ: Log onto www.mycigna.com and go to �Manage my Health� tab New users register by following prompts Return users, click on �Take Again� to the right of your last result (wellness score) At myCIGNA.com, we�re going to show where to locate the questionnaire. Once you�re logged in, go to the My Health tab. In the middle of the page, in the Health Management Resources section, click on the link �my health assessment�. If you haven�t complete an HRQ in the past, it will give you a screen to log in. At myCIGNA.com, we�re going to show where to locate the questionnaire. Once you�re logged in, go to the My Health tab. In the middle of the page, in the Health Management Resources section, click on the link �my health assessment�. If you haven�t complete an HRQ in the past, it will give you a screen to log in.

44. HRQ continued For new users: Once you are securely log into the HRQ, you�ll complete an online questionnaire that asks questions about your health history, lifestyle behaviors (such as eating, exercise and sleep habits), and overall attitude toward health. The majority of the questionnaire is multiple-choice. You simply select the answer that best describes you and your situation. Once you are securely log into the HRQ, you�ll complete an online questionnaire that asks questions about your health history, lifestyle behaviors (such as eating, exercise and sleep habits), and overall attitude toward health. The majority of the questionnaire is multiple-choice. You simply select the answer that best describes you and your situation.

45. HRQ continued For return users: Once you are securely log into the HRQ, you�ll complete an online questionnaire that asks questions about your health history, lifestyle behaviors (such as eating, exercise and sleep habits), and overall attitude toward health. The majority of the questionnaire is multiple-choice. You simply select the answer that best describes you and your situation. Once you are securely log into the HRQ, you�ll complete an online questionnaire that asks questions about your health history, lifestyle behaviors (such as eating, exercise and sleep habits), and overall attitude toward health. The majority of the questionnaire is multiple-choice. You simply select the answer that best describes you and your situation.

46. HRQ continued Brief, easy-to-understand survey 65 questions, averaging 10-15 minutes Identifies health risk across biometric, psychological and behavior measures You�ll be asked a series of about 65 questions � and on average, it takes about 10-15 minutes to complete. You�ll be asked a series of about 65 questions � and on average, it takes about 10-15 minutes to complete.

47. HRQ continued After completing the questionnaire, you will receive an immediate personalized online report. Although this is not shared with BorgWarner, we do encourage you to discuss your report with your physician so they can help you decide what steps you should take, if any. If there are any identified health risk areas on your report, you will be recommended the next steps to improve your health, which is completely voluntary. A next step recommendation could be participating in an 8-week program, such as: Feel Better, Look better - which focuses on Nutrition Strength & Resilience � on Stress Energy & Performance � on Fitness and, Sleep Better, Feel Better, Live Better � on Sleep Your adult dependents can also take the HRQ, and go through the programs as well. After completing the questionnaire, you will receive an immediate personalized online report. Although this is not shared with BorgWarner, we do encourage you to discuss your report with your physician so they can help you decide what steps you should take, if any. If there are any identified health risk areas on your report, you will be recommended the next steps to improve your health, which is completely voluntary. A next step recommendation could be participating in an 8-week program, such as: Feel Better, Look better - which focuses on Nutrition Strength & Resilience � on Stress Energy & Performance � on Fitness and, Sleep Better, Feel Better, Live Better � on Sleep Your adult dependents can also take the HRQ, and go through the programs as well.

48. Tobacco Cessation Premium Discount Earn $50/month tobacco cessation discount Encourages healthy living and rewards positive behavior How it works Complete the Tobacco Cessation Pledge on your enrollment form and submit it by Nov 11, 2011; effective Jan 1st If you pledge to complete the Tobacco Cessation Program, you must do so by Feb 29, 2012; if not you forfeit the discount starting April 1, 2012 Eligible tobacco cessation program includes: The CIGNA Quit Today� Program Program pre-approved by your HR Department [Read through slide] [Read through slide]

49. Tobacco Cessation Program Offers resources and tools to help tobacco users quit tobacco before they develop chronic conditions Available to all employees and dependents age 18 or older who are covered under CIGNA medical Provide assistance to quit through: Quit Today� - tobacco cessation drugs (with annual cap) and free counseling services $150 annual reimbursement on acupuncture and hypnosis Excellent resource to help those interested in earning one of the medical premium discounts [READ THROUGH SLIDE][READ THROUGH SLIDE]

50. Building Your HRA Your HRA and member deductible gap combine to make the plan deductible If you have money remaining in HRA at year end it rolls over for next year�s use That means you have the BW annual HRA contribution + rollover dollars; growing your total HRA balance The higher your HRA balance the lower your member deductible gap Read through slide Read through slide

51. Which Plan May be Right for You?

52. Which Plan May be Right for You?