A Presentation of the AoC employee benefits that are available to all AoC employees

1. Are you making the most of your AoC employee benefits? (part 1) Teabreak by the AoC HR team Friday 16 th September 2011

2. Open to all AoC employees regardless of service or type of employment contract or hours of work The Employee benefits zone of AoC Net is regularly updated with details of your benefits package AoC employee benefits

3. Pension Schemes Helping you to invest in your future AoC employee benefits

6. Whilst you may not have previously considered opting into a pension scheme, they are a significant financial consideration and benefit. We recommend that you discuss your options with an independent Financial Advisor or your Bank. Most Banks offer this service free of charge to their customers. Pensions

7. Healthcare scheme Giving you and your family access to private medical treatment. AoC employee benefits

9. The claims procedure Healthcare

10. Healthcare is a taxable benefit AoC pay your subscription fee but you will pay tax on it: For more information visit the HMRC website: www.hmrc.gov.uk/incometax/codes-company-benefits.htm Healthcare Level of cover Monthly subscription Annual subscription Member £48 £576 Member & children £67 £804 Member and spouse/partner £96 £1,152 Member, partner and children £116 £1,392

11. Childcare vouchers and benefits Saving you money on childcare and giving you access to family discounts and lifestyle benefits AoC employee benefits

13. New members to the scheme on or after 6 th April 2011 The amount of salary you can sacrifice to the scheme tax and NI free has changed dependant on your tax code: Childcare Scheme Basic Rate Higher Rate Additional Rate Weekly £55 £28 £22 Monthly £243 £124 £97 Annually £2,915 £1,484 £1,166

14. Study a Professional Qualification Are you the best that you can be at AoC? AoC employee benefits

16. If there is a professional body that you would like to be a member of that is relevant to your job role at AoC AoC will pay your membership Professional membership

17. Are you making the most of your AoC employee benefits? (part 2) ... Cycle to work scheme – new! Lifestyle benefits Season ticket loan Eye care AoC employee benefits