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Group Health Insurance 2014/2015July 22, 2014 India Riedel Finance Director City of Okeechobee 55 SE 3rd Avenue Okeechobee, FL 34974 Re: Group Health Rates for Plan Year 2014 -2015 Dear India, We are pleased to provide you with your Group Health Rates for the new plan year beginning October 1, 2014. The rates illustrated below represent an increase of 10.0% over your current medical rate. The increase in the medical rate is 6,0% higher than the pool average due to a loss ratio of 185.2 %. There is no increase to the Dental, Vision, Basic Life, Voluntary Life, AD &D, Dependent Life, and Disability plan rates. We believe that you will find this renewal very reasonable in light of current market conditions. Medical — PRM Plan BlueOotions 03748 Medical — PRM Plan BlueODtions 05901 Funding Rates Coverage Medical Medical COBRA Medical Reduced Retiree Employee $600.10 $612.10 $456.64 Additional for Spouse $898.10 $916.06 $628.66 Additional for Child $597.86 $609.80 N/A Additional for Family $1,310.84 $1,337.04 N/A Medical — PRM Plan BlueODtions 05901 Dental Hiah PPO Low PPO Coverage Funding Rates Coverage Medical Medical COBRA Medical Reduced Retiree Employee $416.02 $424.34 $316.52 Additional for Spouse $622.56 $635.00 $435.78 Additional for Child $414.44 $422.72 N/A Additional for Family $908.70 $926.86 NIA Dental Hiah PPO Low PPO Coverage Funding Rate Funding Rate Employee $35.78 $28.62 Employee Family $93.37 $74.70 Gallagher Benefit Services, Inc. One Boca Place 1 2255 Glades Road, Suite 200E Boca Raton, FL 33431 p 561.995.6706 ajg.com Vision Coverage Funding Rate Employee $4.81 Employee Spouse $9.02 Employee Children) $7.50 Employee Family $14.85 We appreciate the opportunity to serve you and your employees and look forward to working with you over the new plan year. Should you have any questions, please contact me or Yvonne Blackford at 561 -995 -6706. Sincerely, / t1 Richard G. Schell Area Vice President RSlyb