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Benefits Enrollment Guide

It's your life.

ENROLL

TODAY!

Get online and make your choice!

INSIDE

WHAT'S

Welcome to your Hyatt benefits! You are now eligible to enroll in medical, prescription, dental, and other group benefits, as well as the Retirement Savings Plan (RSP)* and start taking advantage of the benefits and resources that will help , you make the most of your life--in and outside of work. Hyatt's comprehensive benefits--which range from health, to wealth, to lifestyle support-- begin here. This guide tells you what you need to know to get started. It's organized into three simple steps to help you evaluate your choices and pick the best benefits for you.

STEP 1--LEARN

Before you make a decision about which benefits are best for your situation, learn more about your choices. Read this guide and visit www.myhyattbenefits.com to review your personalized benefits information.

STEP 2--THINK

Once you've learned about your benefits, it's time to think about what's right for you and your family. Consider your situation and ask yourself--and your family--some key questions about your needs. Also, check out the decision-making tools on www.myhyattbenefits.com.

STEP 3--CHOOSE

Finally, choose your plans by logging on to www.myhyattbenefits.com to enroll in your benefits!

*Not all benefits are available to associates covered under a Collective Bargaining Agreement (CBA). Please refer to your CBA for specific eligibility.

Si tiene alguna pregunta o necesita ayuda, también puede hablar con un representante del Centro de Beneficios de Hyatt que habla español en el 1-877-629-1234.

YOU ARE IN CHARGE

You know better than anyone else what you need from your benefits. To help you make the best decisions, information about your benefits is available from a number of sources, including: · The My Hyatt Benefits website, with secure, personalized information about your health and welfare benefits and how they work. You can also access additional, non-personalized benefits information on the site to help you make your enrollment decisions. · The T. Rowe Price website, with information about your 401(k) plan at your fingertips. · Telephone access to dedicated, knowledgeable representatives who can help when you need personal assistance with your benefits. To reach a representative, call the Hyatt Benefits Center at 1-877-629-1234. · Communication throughout the year--on Hyattconnect and in your mailbox--to help you use your benefits wisely.

IT'S TIME TO ENROLL

If you want to enroll in Hyatt medical, dental, and vision coverage; the flexible spending account; and/or life and disability insurance, you must visit www.myhyattbenefits.com and enroll. You have 30 days before and 31 days following your date of eligibility to enroll for your benefits. If you don't enroll, your next chance will be during the annual benefits enrollment that takes place each autumn for benefits that begin the following year. You can enroll in some other Hyatt benefits, such as the Retirement Savings Plan (RSP), at any time. However, the sooner you enroll, the sooner those benefits will be put to work for you.

ENJOYING YOUR LIFE

Hyatt hotels are the destination of choice for discerning travelers the world over. When you travel, you deserve the same service and luxury that you provide our guests. That's why your Hyatt benefits include: · Room discounts at Hyatt properties worldwide (available as soon as you start working). · Twelve complimentary rooms per year at the destinations of your choice (available after you complete one year of service). What a great way to use some of your paid time off each year! Visit the company programs section of www.myhyattbenefits.com to learn more about the other benefits that may be available to you.

ACTION REQUIRED

Important: Hyatt periodically performs audits to ensure that benefits are paid only to eligible dependents. You will be asked to provide documentation for each of the dependents you are enrolling in your coverage. A complete list of acceptable documentation is available on www.myhyattbenefits.com. 1

YOU NEED A PASSWORD TO ENROLL!

You'll enroll online. To access your account, learn about your options, and process your enrollment, you must have a password. It's easy! Just: · Log on to www.myhyattbenefits.com. · Follow the directions that appear on-screen to set up a password. · Be sure to set up a hint to help you remember your password in the future.

WHO IS ELIGIBLE?

You're eligible to participate in the Hyatt Benefits Program if you're a full-time associate working at least 30 hours a week. Your coverage starts the first day of the month after you've been employed full-time * for 90 days (or on your 90th day of full-time employment if that day falls on the first day of a month). * * For some benefits, you can choose to cover your eligible dependents. Your eligible dependents include: · Your legal spouse; · Your same- or opposite-sex domestic partner,*** provided he or she meets the eligibility requirements of the plan you select. If you enroll a domestic partner, you will be required to complete an affidavit. In addition, costs for your domestic partner's coverage will be deducted from your pay on a post-tax basis; or · Your natural or legally adopted children, stepchildren, or foster children (or those of your domestic partner) who are: -- Unmarried children up to age 19, or older if they are full-time students enrolled in an accredited high school, college, or other educational institution (maximum age for full-time students varies by plan; you must certify that your child is a student); or -- Unmarried children age 19 or older who are totally and permanently disabled due to a mental or physical disability. · You will need a Social Security number for each dependent you enroll.

*Other associate classes in Hawaii may also be eligible for coverage. **For associates rehired within six months after a termination, applicable benefits become effective the first of the month following rehire. Not all benefits are available to associates covered under a Collective Bargaining Agreement (CBA). Please refer to your CBA for specific eligibility. ***Domestic partner coverage may not be available under your plan. Please see your Summary Plan Description for details.

As you prepare to enroll, start thinking about the person (or people) you want to be your beneficiary. Your beneficiary is the person who will receive your savings and life insurance payout in case you die. If you die, your family will have expenses related to burying you and they may need the money that your income provided. Naming a beneficiary at enrollment is the way that you can make sure that your money will go directly to your family during a difficult time. If you don't have a beneficiary on file, your savings and life insurance benefits would be distributed based on the laws in your state. Play it safe--when you are prompted for a beneficiary, enter the name, date of birth, and Social Security number of the person you want to receive your Hyatt savings and life insurance payout.

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LEARN

TO YOUR HEALTH!

Your health is important to you--and us. When you feel your best, you can provide the best to our guests. Our comprehensive medical coverage is designed to keep you well and support you when you're sick. But it's more than that: · You may choose from a variety of medical plan options* . · Preventive services, such as wellness exams, are covered at 100%. · You may cover yourself and/or yourself and eligible family members. (See page 2 for detailed information about dependent eligibility.) · Prescription coverage is included. · Vision coverage is included · Dental coverage is available. · Tobacco cessation programs are available free of charge for you and your family members. · The Hyatt Employee Assistance Plan offers free, professional, and confidential mental health services. Your options include: · Aetna HDHP (High Deductible Health Plan) 90 · Aetna 90 Plan · Aetna 80 Plan · Aetna 60 Plan

*If you work in Hawaii, log on to www.myhyattbenefits.com to see your specific plan details.

STEP 1

About the Aetna Options

Regardless of the coverage you choose, the same types of medical services are covered through the same network of hospitals and doctors. Specific plan features may vary by option, but all of the options work the same basic way--you can see the doctor of your choice whenever you need care. Many of the options offer copays for doctor office visits and prescription drugs. One of the options even offers a chance to save for future medical expenses. Regardless of the option you choose, you and Hyatt share the cost of your coverage through payroll deductions and share expenses through coinsurance up to a certain annual maximum each year. In addition, Hyatt offers the Aetna Aexcel network. When you see an Aexcel network specialist, you'll pay less. You can learn more about the network on page 7. This guide and the side-by-side chart on pages 14­17 will help you decide which medical plan is best for you and your family.

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MEDICAL PLAN OPTIONS AT-A-GLANCE

Copays at-a-Glance

With many of the medical plans, you'll make a copay for certain in-network medical services. Here's a summary of common copay amounts for each option.

Plan Aetna HDHP 90 Walk-In Clinic Subject to deductible and coinsurance $10 $10 $10 Primary Care Subject to deductible and coinsurance $25 $30 $35 Specialist Subject to deductible and coinsurance Aexcel: $40 Others: $50 Aexcel: $45 Others: $55 Aexcel: $50 Others: $60 Emergency Room Subject to deductible and coinsurance $250 $250 $250 Urgent Care Subject to deductible and coinsurance $100 $100 $100

Aetna 90 Plan Aetna 80 Plan Aetna 60 Plan

Out-of-Pocket Medical Costs

Here's a look at the out-of-pocket costs associated with each medical option. · The chart below shows you how much you could have to pay if you were using medical services not covered by a copay. · Specific and personalized cost information is available on www.myhyattbenefits.com. These costs are deducted from your pay each pay period.

Out-of-Pocket Medical Costs at-a-Glance

Plan Deductible (amount you pay before Hyatt begins to pay) Individual: $1,250 Family: $3,000 Individual: $150 Family: $500 Individual: $300 Family: $800 Individual: $500 Family: $1,200 Coinsurance (percentage Hyatt pays after you meet deductible) 90% 90% 80% 60% Coinsurance Maximum (after that, Hyatt pays all of your expenses) Individual: $4,500 Family: $9,500 Individual: $3,000 Family: $6,500 Individual: $3,500 Family: $7,500 Individual: $5,000 Family: $10,500

Aetna HDHP 90 Aetna 90 Plan Aetna 80 Plan Aetna 60 Plan

GOOD TO KNOW AS YOU REVIEW THE CHART ABOVE

With the Aetna HDHP 90, the family deductible applies whenever more than one person is enrolled in coverage. For example, if you cover yourself and your children, you must meet the $3,000 family deductible before the plan's coinsurance begins, even if only one person is using medical services. This rule only applies to the Aetna HDHP 90. Generally, copays and deductibles do not count toward your coinsurance maximum. With the Aetna HDHP 90, the deductible is included in the coinsurance maximum shown above.

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THE AETNA HDHP 90

The Aetna HDHP 90 is a different type of coverage option compared to what you may have had in the past. It gives you coverage today and the ability to save for tomorrow's medical expenses. This plan is similar to the other Aetna options in that you can: · Choose the doctors and other providers you see. · Receive discounts and enjoy lower out-of-pocket costs when you see in-network providers. However, this plan is different from the other Aetna options in that: · There are no copays for medical services, like office visits or prescription drugs. You'll meet your deductible and share coinsurance with Hyatt when you receive services. · You can get preventive services with no deductible or out-of-pocket costs, up to $500 per year. · You'll generally pay higher fees when receiving services since you'll pay the entire amount (compared to some of the other Aetna options) until you meet your deductible. Once you meet your deductible, this plan offers 90% coinsurance for in-network services. · If you cover more than one family member, the full family deductible must be met before coinsurance begins, even if one family member is incurring all of the expenses. · You'll have a chance to save for your future medical expenses via a Health Savings Account (HSA). You can open an HSA at the bank of your choosing. The tax-free money you contribute to this account can be used in the year you contribute it or saved for use in the future. As long as you use the money for qualified medical expenses, it will remain tax free. If you contribute to an HSA, you can only use the money in your Healthcare Flexible Spending Account (FSA) for dental and vision expenses.

SHOULD I CONSIDER THE AETNA HDHP 90?

You're likely to be a good candidate for the Aetna HDHP 90 if: · You're generally healthy and only use your medical coverage for preventive visits and/or an occasional illness. · You have a handle on your medical and prescription costs and are comfortable paying them without a copay. · You want to start saving for your future medical costs with tax-free contributions to an HSA. You can open an HSA at a bank of your choosing.

HMO Options

If an HMO is available in your area, that option will appear when you log on to www.myhyattbenefits.com. If available, the HMO will provide specific plan design information to you at your hotel.

DID YOU KNOW?

Aetna administers Hyatt's medical benefits and processes claims on the company's behalf. However, Aetna passes the cost of medical services back to Hyatt and Hyatt pays those bills through company and associate contributions.

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CHOOSING MEDICAL COVERAGE

Because all of the Aetna medical options cover the same types of services with the same doctors and hospitals, what you're really choosing is how you want to pay for your coverage and if you want to put aside money to use for future medical expenses. When choosing the best medical option for you, the key is to find the right balance of costs. · The more you pay from your paycheck each month, the less you'll pay when you use medical services. · Likewise, the less you pay each month, the more you'll pay when you use medical services. However, if you don't need any medical services, that's money that you could save. Finding the right balance--paying each month versus paying when (if!) you need services--is the key to making the most of your benefit dollars. As you review the charts on the next page, really think about how you use medical coverage. If you rarely go to the doctor (except for preventive care), consider a plan that costs less each month. It's likely that you'll spend less over the course of the year than if you paid more each month and then rarely went to the doctor. That means more money in your check each time you're paid, but you're still protected from large, unexpected medical costs. You could take the money you save each month and contribute it to a Healthcare Flexible Spending Account (FSA) or an HSA (if you enroll in the Aetna HDHP 90) for future medical expenses or contribute to your Retirement Savings Plan (RSP) to help you prepare for retirement. You could also just take the extra cash in your check and use it to help make ends meet.

More Information Is Online

You can go online to www.myhyattbenefits.com to see your options. Online you can also see the cost associated with each plan. In addition, more detailed information about your benefits will appear on www.myhyattbenefits.com. In the online articles, you can learn more about the medical plans, the Healthcare Flexible Spending Account, and how to enroll online.

DO YOU USE TOBACCO?

Hopefully not! It's bad for your health and will increase the cost of your paycheck deductions for medical insurance. When you enroll in your benefits, you'll be asked if you or your spouse/ domestic partner (if applicable) use any form of tobacco. If you answer no, that's great! Your benefits cost will be lower and your body healthier! If you answer yes, your premiums will be higher because you will not qualify for the non-tobacco user credit. If you do answer yes, you'll be eligible for the lower costs by signing up for the Quit For Life® program.

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HYATT CAN HELP YOU QUIT

Hyatt has teamed up with the American Cancer Society and Free & Clear to provide the Quit For Life program to help you achieve a tobacco-free lifestyle. Call 1-866-QUIT-4-LIFE (1-866-784-8454) to speak with a Quit Coach. More detailed information about our free tobacco cessation program is available online at www.myhyattbenefits.com or at www.quitnow.net.

THE AETNA AEXCEL H NETWORK

As you can see in the chart on page 4 (Copays at-a-Glance), your specialist copay is lower when you see an Aetna Aexcel network provider, when available. Based on Aetna's research, these doctors tend to: · Have the lowest rates of complications--including infections; and · Identify the most appropriate type of treatment as soon as possible. Aexcel network doctors are available in 12 specialty areas, including: · Cardiology · Cardiothoracic surgery · Gastroenterology · General surgery · Neurology · Neurosurgery · Obstetrics/gynecology · Orthopedics · Otolaryngology/ENT · Plastic surgery · Urology · Vascular surgery

To find an Aexcel network doctor, visit www.aetnanavigator.com and use the DocFind feature (select Aexcel Choice POS II). Aexcel providers are identified with a star (H) and are available in most urban areas. If you live in an area that doesn't have an Aexcel network, you will be charged the lower specialist copay. Your new ID card will indicate if you live in an Aexcel network area.

This sample card shows where to look on your card to find out if you live in an area with an Aexcel network.

Specialists not included in the 12 specialty areas listed above will charge the lower copay amount.

PRESCRIPTION DRUG COVERAGE

Prescription drugs are covered using coinsurance. There are minimums and maximums in place to help limit your out-of-pocket drug expenses. It's a good idea to ask different pharmacies the cost of the drug, so you'll know where to pick up your prescription at the lowest out-of-pocket cost. You have a choice of retail or mail order for pharmacy medications. If you enroll in the Aetna HDHP 90, your prescriptions will be covered like any other medical expense--subject to your deductible and coinsurance until you reach the out-of-pocket maximum.

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Prescription Drug Coinsurance at-a-Glance

(for Aetna options other than the Aetna HDHP 90)

Aetna 90 Plan Deductible for BrandName Drugs Only Individual: $100 Family: $200 Aetna 80 Plan Individual: $125 Family: $250 Aetna 60 Plan Individual: $150 Family: $300

Coinsurance for all options, by type of drug Retail coinsurance (up to 34-day supply of medication) Generic $10 Brand Name Hyatt pays 70% of the cost of the drug. You pay 30% ($45 minimum/ $90 maximum). Brand Name Hyatt pays 70% of the cost of the drug. You pay 30% ($100 minimum/ $200 maximum). Non-Formulary Hyatt pays 50% of the cost of the drug. You pay 50% ($60 minimum/ $120 maximum). Non-Formulary Hyatt pays 50% of the cost of the drug. You pay 50% ($125 minimum/ $250 maximum).

Mail-order coinsurance (up to 100-day supply of medication)

Generic $25

Out-of-pocket maximum

$2,000 for all Aetna options other than the Aetna HDHP 90

Save Money on Prescription Drugs...Go Mail Order

Taking prescription medications exactly as they are prescribed is critical for your good health. Using the mail-order drug service can help reduce your maintenance drug costs. Log on to www.myhyattbenefits.com to learn more.

DENTAL PLAN

Dental coverage is available to you. You can find the details of your dental plan, cost information, and plan features on www.myhyattbenefits.com.

VISION COVERAGE

If you enroll in one of the Aetna plans, vision coverage through VSP is included with your medical coverage.

PRE-TAX?

You'll pay for many of your Hyatt benefits on a pre-tax basis. This means that your benefit costs will be deducted from your pay before your taxes are calculated. So your taxes will be based on a lower rate and you'll pay taxes on less money. If you want post-tax premiums, you need to call the Benefits Center to make the election.

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TAX SAVINGS OPPORTUNITIES

Healthcare Flexible Spending Accounts and Health Savings Accounts

Although Hyatt offers excellent healthcare benefits, you will still have out-of-pocket expenses with any of the options that you select. Your outof-pocket expenses will include things such as deductibles, coinsurance, overthe-counter medical supplies, and other services that are not covered by your healthcare benefits. For these types of expenses, you have options for saving tax-free money to pay for them. You may choose between a Healthcare Flexible Spending Account and a Health Savings Account. The savings vehicle(s) that will work best for you depends on the type of medical insurance you select. Your options are: · If you enroll in the Aetna 90 Plan, Aetna 80 Plan, or Aetna 60 Plan, you can contribute to the Healthcare Flexible Spending Account for medical, prescription, dental, and vision expenses. · If you enroll in the Aetna HDHP 90, you can contribute to a Health Savings Account (HSA) for current and future medical expenses. If you would like to open an HSA, you may do so at the bank of your choosing. · If you contribute to an HSA, you can have a limited purpose Healthcare Flexible Spending Account. In this case, the IRS requires that your Flexible Spending Account only be used for dental and vision expenses.

More About the Healthcare Flexible Spending Account

This account allows you to contribute pre-tax dollars from your pay into an account to pay for eligible healthcare expenses. Then, you can use the money to pay for eligible healthcare expenses on a tax-free basis. You can contribute between $120 and $3,000 to the account. The amount you choose to contribute will be deducted from your pay in equal installments until your final paycheck of the year. You can use money in your Healthcare Flexible Spending Account to pay for deductibles, coinsurance, prescription copays, and over-the-counter medications and medical supplies with a handy debit card that's linked directly to your account. For times when you prefer not to use your debit card, you can submit claims through an easy, online claim form. You'll then be reimbursed via a check or direct deposit right to your bank account. You can enroll now for the rest of this year. Then, annual benefits enrollment is your chance to enroll for the next year. Be sure to estimate carefully each time you enroll--money not used by December 31,st will be forfeited.

Healthcare Savings Account

A Health Savings Account allows you to save pre-tax money to pay for eligible healthcare expenses in the year that you contribute it or in the future. An HSA can be established at the bank of your choice, if you enroll in the Aetna HDHP 90. Paycheck deductions to an HSA are not available.

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LIFE INSURANCE

Your Hyatt benefits include life insurance. Life insurance pays a cash benefit to your beneficiary if you die. You receive coverage of $20,000 (for hourly associates) or one times your pay (for salaried associates) as part of your Hyatt benefits. This coverage is offered at no cost to you. If you want more life insurance, you may also choose to purchase supplemental life insurance. The cost of this insurance is based on the coverage you select when you enroll. Visit www.myhyattbenefits.com to learn more.

VOLUNTARY SHORT-TERM DISABILITY

Short-term disability insurance offers protection to you and your family by providing replacement for a portion of your income if you are sick or injured and aren't able to work. Hyatt offers options for voluntary short-term disability coverage through MetLife. You can purchase a 25%, 50%, or 65% weekly benefit of your pre-disability earnings. * During enrollment, you can sign up for these options without completing an Evidence of Insurability (EOI) form. You can see your personal options and costs on the www.myhyattbenefits.com website.

*The 25% benefit option is available to associates who work in California, Hawaii, New Jersey, or New York.

FREE MENTAL HEALTH SERVICES TO HELP YOU MANAGE YOUR LIFE

Because good mental health goes a long way toward good physical health, it's important to take care of your body and your mind. The Hyatt Employee Assistance Plan (EAP) is here to help. The EAP is a free service that provides: · Short-term counseling related to a variety of issues, including stress, grief, addictions, and behavior problems, for you and your family members. · Referrals to community resources for child and elder care. · Access to legal counselors who can help answer any questions you may have, and CPAs who can answer questions about taxes, budgeting, and money management concerns. The EAP is free and confidential--Hyatt pays all fees associated with the EAP, but has no knowledge of which associates use it or why. Every North American associate and all eligible dependents can use this service. The EAP is available for three calls per person, per issue, each year. If you need services beyond the scope of the EAP, a counselor will guide you to a local expert. To reach the EAP, simply call 1-877-734-4337. Counselors are available 24 hours a day, seven days a week.

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THINK

ONLINE TOOLS TO HELP YOU MAKE ENROLLMENT DECISIONS

You are not alone when it comes to making your enrollment decisions. A wide variety of online tools can help you consider your options, personalize the comparisons, and make the best decision. On the www.myhyattbenefits.com site, you can: · Compare Your Medical Options--Use the Health Plan Comparison Chart to compare up to three different medical options side-by-side and review the features most important to you, such as cost and coverage. · Estimate and Compare Medical Expenses--The Medical Expense Estimator can help you assess your out-of-pocket costs by taking your likely medical usage into account. · Estimate Your Healthcare Flexible Spending Account Needs--You can estimate expenses that aren't covered by your plan to help determine whether you should enroll in a Healthcare Flexible Spending Account.

STEP 2

Visit Hyattconnect, too!

Online you'll find video clips, worksheets, and additional information that will help you make the most of your benefits. If you have trouble connecting, you can view the same information from www.myhyattbenefits.com in the enrollment section.

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CHOOSE

Considering your needs and learning about your options is the time-consuming part of enrollment. Once you're ready to enroll, the process is easy to complete. You'll enroll online at www.myhyattbenefits.com from any computer with Internet access. You'll be guided through step-by-step directions and offered several tools along the way to help you make your enrollment decisions. The website will also prompt you to enter your beneficiary information.

STEP 3

PREPARING FOR THE FUTURE

Your work at Hyatt will be rewarding and enjoyable, but we know you don't want to work forever. To help you get ready for your future, our savings programs include: · The Retirement Savings Plan (RSP)--a 401(k) plan that offers: -- A generous company matching contribution of $1 for $1 on the first 3% of pay that you save and $0.50 on the dollar for the next 2% of pay that you save (after you complete a year of service) -- The opportunity to defer up to 30% of your taxable income to retirement savings (up to IRS limits) -- Access to an account with T. Rowe Price, with a wide variety of investment options from which to choose -- The opportunity to direct your money to different investment options -- Immediate vesting in your own contributions and in matching contributions (in other words, money you contribute to the plan is available to you if you leave Hyatt) To enroll in the RSP, visit www.rsp.troweprice.com and follow the on-screen directions. · A 529 Saving Plan--to help you prepare for college expenses, with all setup and maintenance fees waived.

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CHECKLIST FOR ENROLLMENT

Here's a checklist to help you make sure that you make the most of enrollment this year--and your health and wealth: Read this guide and share it with your family. Review your personal benefit options at www.myhyattbenefits. com and use the online tools to consider your benefit choices. Remember to enroll within 31 days following your date of eligibility. You may also review the online materials. Online you'll find additional information, worksheets, video clips, and other information to help you with your benefits decisions. Enroll your eligible dependents when you enroll. You can find information about eligible dependents and the documents needed for verification at www.myhyattbenefits.com. You will need a Social Security number for each dependent you enroll. Add your beneficiary. Make a commitment to focus on wellness--for example, set a health-related goal and make and keep preventive care appointments. Add your email address so you can receive valuable information electronically.

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MEDICAL BENEFIT HIGHLIGHTS 2010*

Do not rely on this chart alone. It merely highlights your benefits. Be sure to read the explanations in the "Covered Medical Benefits" section and the "Limitations and Exclusions" section, as well as all provisions, in your Summary Plan Description booklet. Plan Options Aetna 60

In-Network Benefit Features & Covered Medical Services Plan payment after member share Your Lifetime Maximum $2,000,000 Automatic $1,000 restoration amount Calendar Year Deductible Individual: $500 Applies to all covered services except physician office visits and Emergency/Urgent Family: $1,200 care and where noted (includes 4th quarter carry over provisions except under the HDHP 90 plan) Coinsurance Maximum** Individual: $5,000 Per calendar year (does not include copays or deductibles) Family: $10,500 Allergy Testing and Treatment With physician encounter Allergy Injections Without physician encounter Ambulance Services Chiropractor Services (up to 20 visits per calendar year) Durable Medical Equipment (deductible waived for wigs except under the HDHP 90 plan) Emergency Care · Emergency Hospital Care (copay waived if admitted) · Urgent Care Center Home Health Care (limited to 100 days) Hospice Services (annual deductible applies before copay and coinsurance) · Inpatient · Outpatient Hospital Services (annual deductible applies before copay and coinsurance) Inpatient Admissions (limitations to Convalescent Facilities inpatient admissions 100 days) · Board and Room and special services (semi-private room limit) · Surgeon and other Provider services Outpatient Services (other than emergency room) · Facility services · Surgery Infertility Treatment (limited to corrective treatment only) X-Rays & Imaging Labs Tests and Other Tests (when an in-network Quest Lab is used, benefits will pay at 100% except for Aetna HDHP 90) Maternity/Obstetrical Services · Board and Room and special services (annual deductible applies before copay and coinsurance) · Physician and nurse midwife services Mental Health and Substance Abuse Treatment · Inpatient admissions · Outpatient treatment Mouth, Teeth, or Jaw · Specialist Office visit 100%, after a $50 copay 60% 60% 100%, after a $50 copay 60%

100%, after a $250 copay 100%, after a $100 copay 60%

60%, after $500 copay 60%

60%, after a $500 copay 60% 60% 60%, after a $500 copay 60% 60% 60%

60%, after a $500 copay 60% 60%, after a $500 copay 60% 60%

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Aetna 80 In-Network Plan payment after member share Individual: $300 Family: $800

Aetna 90 In-Network Plan payment after member share Individual: $150 Family: $500

Aetna HDHP 90 In-Network Plan payment after member share Individual: $1,250 Family: $3,000 (individual deductible doesn't apply if more than 1 person is enrolled) Individual: $4,500 Family: $9,500 90% 90% 90% 90% 90%

Individual: $3,500 Family: $7,500 100%, after a $45 copay 80% 80% 100%, after a $45 copay 80%

Individual: $3,000 Family: $6,500 100%, after a $40 copay 90% 90% 100%, after a $40 copay 90%

100%, after a $250 copay 100%, after a $100 copay 80%

100%, after a $250 copay 100%, after a $100 copay 90%

90% 90% 90%

80%, after $500 copay 80%

90%, after a $500 copay 90%

90% 90%

80%, after a $500 copay 80% 80% 80%, after a $500 copay 80% 80% 80%

90%, after a $500 copay 90% 90% 90%, after a $500 copay 90% 90% 90%

90% 90% 90% 90% 90% 90% 90%

80%, after a $500 copay 80% 80%, after a $500 copay 80% 80%

90%, after a $500 copay 90% 90%, after a $500 copay 90% 90%

90% 90% 90% 90% 90%

**If you work in Hawaii, log on to www.myhyattbenefits.com to see your specific plan details. **With the Aetna HDHP 90, the deductible is included in the coinsurance maximum shown above.

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MEDICAL BENEFIT HIGHLIGHTS 2010* (CONTINUED)

Plan Options Benefit Features & Covered Medical Services Your Lifetime Maximum Aetna 60 In-Network Plan payment after member share $2,000,000 Aetna 80 In-Network Plan payment after member share Aetna 90 In-Network Plan payment after member share Aetna HDHP 90 In-Network Plan payment after member share

Automatic $1,000 restoration amount

National Medical 100% 100% 100% 100% Excellence (NME) Covers travel and lodging expenses for patient and one Companion · Travel and lodging 100% · Lodging $50 maximum per person, per night · Travel maximum $10,000 per episode of care Physician Services 100%, after a $10 copay 100%, after a $10 copay 100%, after a $10 copay 90% · Walk-in Clinic visits · Physician Office visits (non-surgical) · Specialist Office visits-- Aexcel provider · Specialist Office visits-- Non-Aexcel provider · Other Services non-office visits Other Covered Medical Services and Expenses Prescription Drugs Annual Deductible Single/Family (waived for generic drugs and diabetic supplies except under the HDHP 90 plan) Prescription Drugs Copay ($2,000 individual annual out-of-pocket maximum-- excluding HDHP 90) · Retail pharmacy (up to 34-day supply) · Mail Order pharmacy (up to 100-day supply) 100%, after a $35 copay 100%, after a $30 copay 100%, after a $25 copay 90% 100%, after a $50 copay 100%, after a $45 copay 100%, after a $40 copay 90% 100%, after a $60 copay 100%, after a $55 copay 100%, after a $50 copay 90% 60% 60% $150/$300 80% 80% $125/$250 90% 90% $100/$200 90% 90% Integrated with the medical deductible

Generic: $10 Formulary Brand: 70% ($45 min/$90 max) Non-Formulary Brand: 50% ($60 min/ $120 max) Generic: $25 Formulary Brand: 70% ($100 min/$200 max) Non-Formulary Brand: 50% ($125 min/ $250 max)

Generic: $10 Formulary Brand: 70% ($45 min/$90 max) Non-Formulary Brand: 50% ($60 min/ $120 max) Generic: $25 Formulary Brand: 70% ($100 min/$200 max) Non-Formulary Brand: 50% ($125 min/ $250 max)

Generic: $10 Formulary Brand: 70% ($45 min/$90 max) Non-Formulary Brand: 50% ($60 min/ $120 max) Generic: $25 Formulary Brand: 70% ($100 min/$200 max) Non-Formulary Brand: 50% ($125 min/ $250 max)

90%

90%

Routine Physicals and Tests · PCP · Routine Gyn Exam Short-Term Rehabilitation Therapy Services Outpatient services (60-visit limit) Skilled Care Nursing (Private Duty Nursing) (subject to a $10,000 calendar year maximum)

100%, after a $35 copay 100%, after a $30 copay 100%, after a $25 copay 90% 100%, after a $35 copay 100%, after a $30 copay 100%, after a $25 copay 90% 100%, after a $50 copay 100%, after a $45 copay 100%, after a $40 copay 90%

60%

80%

90%

90%

*If you work in Hawaii, log on to www.myhyattbenefits.com to see your specific plan details.

16

VISION BENEFIT HIGHLIGHTS*

If you enroll in the medical plan, you and your covered dependents (if any) will automatically be enrolled in the vision care program. VSP is the claims administrator for the vision care plan. Service Exam (once every 12 months) Lenses and Frames 1 (once every 12 months) Single Vision Bifocal Trifocal Lenticular Tints Contacts2 (once every 12 months)

1

Copay and Coverage Amount $25 100%, up to $55 after a $50 copay

100%, up to $100 after a $50 copay

20% savings when purchasing non-covered pairs of prescription glasses, including prescription sunglasses from the same VSP doctor within 12 months of the last eye exam. Choose between glasses or contacts in the same service period.

2

Additional Discount Each insured will be entitled to receive a discount toward the purchase of additional complete pairs of prescription glasses (lenses, lens options, and frames). Additionally, each insured will be entitled to receive a discount off the VSP network doctor's professional fees for contact lenses. Contact lens materials are provided at the doctor's usual and customary charges. Discounts are applied to the VSP network doctor's usual and customary fees for such services and are available within 12 months of the covered eye examination from the VSP network doctor who provided the covered eye examination.

DENTAL BENEFIT HIGHLIGHTS*

Do not rely on this chart alone. It merely highlights your benefits. Be sure to read the explanations in the "Covered Dental Expenses" section and the "Limitations and Exclusions" section, as well as all provisions, in your Summary Plan Description booklet. MetLife is the claims administrator for the dental plan. Benefit Features Deductible Annual Limit Covered Services Preventive (exams, cleanings, X-rays, fluoride treatment, and sealants for children) Basic Restorative (fillings, root canals, extractions, and periodontal gum disease) In-Network None $1,500 per person, per plan year Plan Pays 100% Out-of-Network $50 per person, $100 per family annually $1,000 per person, per plan year Plan Pays 100%, after deductible

80%

80%, after deductible

Major Restorative 50% (crowns, bridges, implants, inlays, and dentures) Orthodontia

50%, after deductible

50%, to lifetime maximum benefit Not covered of $1,500 per dependent child up to age 19 or age 23 if full-time student. (Plan does not cover adult orthodontia.)

*If you work in Hawaii, log on to www.myhyattbenefits.com to see your specific plan details.

17

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12/09 H000075833

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