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To our Employees and their Families:

JDC Group recognizes the important role employee bene

f

its play as a critical

component of your overall compensation. As such, we make every effort to target

the best quality bene

f

it plans for our employees and their families.

Our program offers a range of plan options to meet the needs of our diverse

workforce. We know that your bene

f

its are important to you and your family.

This program is designed to assist you in providing for the health, wellbeing and

f

inancial security of you and your covered dependents. Helping you understand the

bene

f

its JDC Group offers is important to us.

This Bene

f

it guide, along with your Bene

f

it Summaries, provides an explanation of

the bene

f

its available to you and your family.

This is your enrollment opportunity. At this time, you may elect to enroll in the

bene

f

it programs offered.

Options selected during this enrollment period will become effective March, 1, 2016

and remain in place until February 28, 2017 unless you or your dependents

experience a quali

f

ied life event.

JDC Group