MORE BENEFITS

Benefit	What is it?	Why would I need it?
Commuter Benefits	Program that allows you to pay for commuting expenses tax-free	Save money on what you spend out of pocket for qualified transportation expenses You decide how much to contribute and the money is automatically deducted from your paycheck
Identity Theft Protection	Services from InfoArmor® that monitor your identity, detect fraud, and restore your identity in the event of theft	Get peace of mind by protecting yourself against the damage of identity theft Certified privacy advocates act on your behalf to resolve identity theft issues
Legal Benefits	MetLife® Hyatt Legal Assistance Plan offers economical access to attorneys for legal services such as will preparation, estate planning and family law	Give yourself, your spouse and your dependents access to a nationwide network of 13,000 attorneys Legal advice is a phone call away Representatives help you find an attorney in your area
Auto & Home Insurance	MetLife gives you access to personal insurance policies including home,* landlord’s rental dwelling, condo, recreational vehicle and boat *Not available in MA or FL	Premium discounts are available by purchasing this coverage through the Kindred Benefits Marketplace No-obligation quotes and cost comparisons Enroll at any time of year
Pet Insurance	Veterinary Pet Insurance® (VPI®) provides coverage to help you cover the costs of veterinary care	Protect against the financial impact of veterinary care while using veterinarians worldwide You are eligible to receive a discount of 5% or more on premiums Enroll at any time of year
PerkSpot Online Discount Mall	Discount program that gives you access to exclusive prices, discounts and offers from hundreds of local and national merchants	You pay nothing to use this service Save up to 40% through offers that interest you, including health clubs, movie theaters, restaurants, retailers and cellphone providers Enroll at any time of year

401(k) Plan
Kindred offers a 401(k) plan to help you save for retirement. Kindred’s 401(k) plan is administered by T. Rowe Price, a leading provider of 401(k) plan and money management services.

In order to help you start saving as soon as possible, all employees are eligible to participate in the 401(k) plan the first of the month following one month of service, with the exception of Personal Care Attendants/Assistants.

Your contributions to the 401(k) plan are deducted from your paycheck before income taxes are taken out—a pre-tax deduction. This means your reported income is lower, so the amount the government deducts for taxes from your paycheck is lower. Your savings will continue to grow tax-deferred until they are withdrawn. The example below shows that a bi-weekly 401(k) contribution of $40 reduces take-home pay by only $32.

	Contributing to the Plan	Not contributing to the Plan
Bi-weekly pay	$1,000	$1,000
401(k) bi-weekly savings	($40)	$0
Taxable income	$960	$1,000
Taxes (at a 20% tax rate)	($192)	($200)
Take-home pay	$768	$800

Plan features include:

• Enroll or change contribution rate at any time by contacting T. Rowe Price
• Employee contributions of up to 50% of pay (up to the IRS limit of $18,000)*
• Catch-up contributions of up to an additional $6,000* available for participants over the age of 50
• Rollover contributions from other qualified plans and Individual Retirement Accounts (IRAs) are also accepted
• Detailed quarterly participant statements
• Access to your account at www.rps.troweprice.com or via phone at 800.922.9945

For more information, contact T. Rowe Price at 800.922.9945 or visit www.rps.troweprice.com.

* The IRS limits for 2015. The limits for 2016 had not been announced by the IRS as of this publication date. Highly compensated employees have a lower limit.