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					2008 Summary Plan Description                           FedEx Kinko's Office and Print Services, Inc.




                         2008 Summary Plan Description
                                Health and Welfare Benefits
                                      Table of Contents

Introduction—page 7
Where to obtain Additional Information—page 8
Eligibility—page 9
        Team Member Eligibility—page 9
        International Team Members—page 10
        Team Members of FedEx Kinko’s Subsidiaries—page 10
        2008 Benefit Start Date Matrix—page 10
        Hawaii Team Members—page 11
Benefits Summary—page 12
Benefits at a Glance—page 13
        Medical Plan Options—page 13
                No Medical Coverage—page 13
                Catastrophic Medical Plan—page 13
                Comprehensive Medical Plan—page 15
                CareAdvocate Medical Plan—page 16
                         CareAdvocate Region Matrix—page 17
                Combined Coverage—page 17
        Dental Plan Options—page 18
                PPO Dental Plan—page 18
                Dental Assistance Plan—page 19
        Vision Plan Option—page 20
        Flexible Spending Accounts—page 21
                HCRA & DCAP—page 21
        Company Paid Benefits—page 22
                Employee Assistance Program—page 22
                Short & Long-term Disability—page 22
                Basic Life Insurance—page 22
        After-tax Benefit Options—page 23
                Supplemental Life Insurance—page 23
        Team Member Contributions—page 23
                Domestic Partner Coverage—page 24
                         Sample Imputed Income Calculation—page 24
Enrollment Procedures—page 25
        Team Member Responsibilities—page 25
                Initial Enrollment—page 25
                Annual Open Enrollment—page 26




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2008 Summary Plan Description                         FedEx Kinko's Office and Print Services, Inc.

               Additional Team Member Responsibilities—page 26
       Manager Responsibilities—page 27
Team Member Status Changes—page 28
       Changing from Full-time to Part-time Employment Status—page 28
       Returning to Full-time Employment Status—page 28
       Returning from a Leave of Absence to Regular Full-time Employment Status—page 28
       Returning to FedEx Kinko’s as a Rehired Team Member—page 29
       Transferring between Locations—page 30
Dependent Eligibility—page 31
       Newly Acquired Dependent Eligibility—page 32
       Newborn/Adopted Child Eligibility—page 32
Qualifying Events—page 33
       Effective Dates—page 35
       Examples of Non-qualifying Events—page 35
Qualifying Events Guide: What Happens When…Page 37
       You Become Eligible for Benefits—page 37
       You got Married or Passed the One-year Mark in Residence with a Domestic Partner
       within the last 31 days—page 37
       You have a Baby or Adopt a Child within the last 31 days—page 38
       Your Enrolled Child is no Longer Eligible—page 39
       You or your Dependent(s) had a Change in Status within the last 31 days—page 39
       You Want to Add/Drop a Dependent during Annual Open Enrollment—page 40
       Your Home/mailing Address Changes—page 40
       You Transfer Work Locations—page 40
       You take a Leave of Absence—page 41
       You are Unable to Return to Work after an Approved Leave of Absence—page 41
       You leave FedEx Kinko’s—page 41
       You leave FedEx Kinko’s and are Rehired within Six Months—page 42
Qualified Medical Child Support Order (QMSCO)—page 44
FedEx Kinko’s Benefit Program—page 45
       Medical Schedule of Benefits—page 47
               A Few Words about Preferred Provider Organizations (PPOs)—page 47
               Covered Expenses under the Medical Plans—page 48
               Opting out of Medical Coverage—page 49
               Schedule of Benefits for the Catastrophic Medical Plan—page 50
               Schedule of Benefits for the Comprehensive Medical Plan—page 54
               Schedule of Benefits for the CareAdvocate Medical Plan—page 58
               Description of Covered Expenses under the Medical Plans—page 62
               Prescription Drug Benefits under the Medical Plans—page 68
               Utilization Review under the Medical Plans—page 73
               Self Audit Benefit under the Medical Plans—page 73
               General Exclusions under the Medical Plans—page 73
       Dental Schedule of Benefits—page 78
               PPO Dental Plan—page 78
                       Schedule of Benefits for the PPO Dental Plan—page 79
                       Covered Expenses under the PPO Dental Plan—page 80
                       General Exclusions under the PPO Dental Plan—page 81




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2008 Summary Plan Description                          FedEx Kinko's Office and Print Services, Inc.

                      Pre-treatment Review under the PPO Dental Plan—page 82
              Dental Assistance Plan—page 83
                      Schedule of Benefits for the Dental Assistance Plan—page 84
                      General Exclusions under the Dental Assistance Plan—page 93
                      Orthodontic Care not Covered by the Dental Assistance Plan—page 95
       Vision Plan—page 96
              Covered expenses—page 96
              Co-pays under the Vision Plan—page 96
              Benefit Percentage under the Vision Plan—page 96
              How to use the Vision Plan—page 97
              Schedule of Benefits for the Vision Plan—page 97
              Additional Discount—page 98
              Contact Lenses—page 98
              Medically Necessary—page 98
                      Co-pay for Medically necessary Contact Lenses—page 99
              Low-vision Benefit—page 99
                      Co-pay for Low-vision Benefit—page 99
              Benefit Maximum—page 100
              Exclusions and Limitations of Benefits—page 100
              Authorization of Vision Care Services—page 100
              General Exclusions under the Vision Plan—page 101
       Flexible Benefits Plan—page 104
              New hires—page 104
              Annual Open Enrollment—page 104
              Flexible Spending Accounts Contribution Limits—page 104
              How the Flexible Spending Accounts Work—page 106
              Eligible Expenses—page 107
              Flexible Spending Accounts Reimbursement Limits—page 108
              “Use it or Lose It”—page 109
              Reimbursement Procedures—page 109
              Termination of Coverage—page 110
       Disability Insurance Plans—page 112
              Short-term Disability Insurance Benefits—page 113
                      How the Plan Works—page 113
                      Definition of Disability—page 113
                      Waiting Period—page 114
                      Weekly Benefit—page 114
                      Benefit Limits—page 115
                      Recurrent Disability—page 115
                      Exclusions—page 115
                      Termination of Coverage—page 115
              Long-term Disability Insurance Benefits—page 116
                      How the Plan Works—page 116
                      Definition of Disability—page 116
                      Pre-existing Condition—page 116
                      Waiting Period—page 117
                      Monthly Benefit—page 117




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2008 Summary Plan Description                          FedEx Kinko's Office and Print Services, Inc.

                     Benefit Limits—page 118
                     Recurrent Disability—page 119
                     Exclusions—page 119
                     Survivor Benefit—page 120
                     Termination of Coverage—page 120
                     Conversion Privilege--page 121
      Life Insurance Plans—page 122
              Basic Life Insurance Benefits—page 122
                     Schedule of Benefits for Basic Life Insurance—page 122
                     Benefit Amount—page 122
                     Imputed Income—page 123
                     Founders Life Insurance—page 123
                     Increases in Benefit Amount—page 123
                     Reduction in Benefit Amount—page 123
                     Accelerated Benefit—page 123
                     Continued Benefits during Total Disability—page 124
                     Termination of Benefits during Total Disability—page 124
                     Designation of Beneficiary—page 124
                     Termination of Coverage—page 125
                     Conversion Privilege—page 125
              Supplemental Life Insurance Benefits—page 125
                     Guaranteed Issue—page 125
                     Evidence of Insurability—page 126
                     Schedule of Benefits for Supplemental Life Insurance—page 126
                     Amount and Cost of Coverage—page 126
                     Grandfathered Coverage—page 128
                     Suicide Clause—page 128
                     Reduction in Benefit Amount—page 129
                     Accelerated Benefits—page 129
                     Continued Benefits during Total Disability—page 129
                     Termination of Benefits during Total Disability—page 130
                     Designation of Beneficiary—page 130
                     Termination of Coverage—page 130
                     Conversion Privilege—page 131
              Business Travel Accident Coverage—page 132
Educational Assistance Plan—page 133
      What the Plan Provides—page 133
      Eligibility—page 133
      How the Plan Works—page 134
      Reimbursement Procedures—page 134
      Termination of Coverage—page 135
Employee Assistance Program—page 136
      Confidentiality—page 136
      How the Program Works—page 136
      Management Referral—page 137




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2008 Summary Plan Description                         FedEx Kinko's Office and Print Services, Inc.

Adoption Benefit Program—page 138
       Overview—page 138
       Eligibility—page 138
       Reimbursement—page 138
       Process for Reimbursement—page 139
Your Beneficiary Designation—page 140
General Provisions of the Health Plan—page 141
       Third-Party Liability—page 141
       Coordination of Benefits—page 141
       Medicare Provision—page 142
       Pre-existing Condition Exclusions—page 142
FedEx Kinko’s Medical and Dental Claims Administrator—page 145
       Filing a Claim—page 145
Leave of Absence—page 146
       Benefits during an Approved Leave of Absence—page 146
               Administrative or Personal Leave of Absence—page 146
               Medical (non work-related) & Pregnancy Disability Leave of Absence—page 146
               Workers Compensation Leave of Absence —page 147
               Family and Medical Leave Act (FMLA)—page 147
               Military Service Leave of Absence—page 147
               Jury Duty Leave of Absence—page 148
               California Paid Family Leave of Absence—page 148
               Continuation of Coverage While on Leave of Absence—page 148
               Returning from a Leave to Regular Full-time Employment Status—page 149
Termination of coverage—page 150
       COBRA—Continuation of Health Plan Benefits—page 151
               2008 COBRA rates—page 151
Glossary of Terms for the Health Plan—page 152
Legal Notifications—page 166
       General Plan Information—page 166
       What is the Summary Plan Description—page 166
       Determining Team Member Status—page 167
       Your Statement of Rights Under ERISA—page 167
FedEx Kinko’s Rights—page 169
Filing Claims under the Health Plan—page 170
       Urgent Care Claims—page 170
       Other Claims (pre-service and post-service)—page 170
       Ongoing Course of Treatment—page 171
       Notice of Claim Denial—Page 171
Claim Appeal Process—page 173
       Anthem Blue Cross Claims Appeals—page 173
               First Appeal—page 173
               Second Appeal—page 174
               Appeal to the FedEx Kinko’s Benefits Committee—page 174
       HCRA and DCAP Appeals—page 176
       Educational Assistance Plan Appeals—page 176
       Other Plan Appeals—page 177




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2008 Summary Plan Description                       FedEx Kinko's Office and Print Services, Inc.

       Eligibility and Enrollment Appeals—page 179
               First Appeal—page 179
               Second Appeal—page 180
Obtaining Continued Medical Coverage, Dental Coverage, Vision Coverage and
Participation in the HCRA under COBRA—page 181
       Extending COBRA coverage—page 182
       Costs for COBRA coverage—page 183
Health Insurance Portability and Accountability Act of 1996 (HIPAA)—page 183
       Special Enrollment during the Plan Year—page 183
Newborns and Mothers’ Health Protection Act—page 184
Notice to Health Plan Participants Regarding Women’s Health and Cancer Rights Act of
1998—page 184
Privacy of Health Information—page 185
Prohibition against Alienation—page 187




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2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

Introduction
       The Summary Plan Description includes detailed information regarding all FedEx
       Kinko’s benefit plans. There are a few things you should watch for as you read
       through the Summary Plan Description:

   •   Pay special attention to any text that is preceded by this symbol (!!). This will be
       used to highlight key points, including some situations that require action on your
       part.

   •   Look for words/terms in boldface type or capitalized. Some of these words/terms
       may not mean much to you now, however, they are very important to understand
       as you are learning about your benefits. Their definitions can be found in the
       Glossary of Terms.

   •   Note that all referenced forms are contained in the “Forms” section of the online
       Benefits Library.

   •   Be aware that a quick reference contact list is provided separately under the
       “Contacts” section of the Benefits Library and, therefore, addresses, telephone
       numbers, fax numbers, etc. are not provided throughout the text.

       Every effort has been made to make the Plan descriptions as simple and accurate
       as possible. If any conflict should arise between the Plan descriptions and the
       provisions of any Plan, or if any provision is not covered or only partially
       covered, the terms of the actual Plan or other applicable documents will govern in
       all cases. Plan documents, certificates and policies are available from FedEx
       Kinko’s Benefits Department, which describe the benefits in more detail. The
       Plan descriptions should not be considered as a contract for purposes of
       employment or payment of benefits.

       FedEx Kinko’s reserves the right to amend or terminate its Plans at any time. For
       additional information regarding your rights under ERISA, please refer to the
       “Legal Notifications” section of this document.




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.




Where to Obtain Additional Information
•   FedEx Kinko’s Benefits Service Center toll-free at 1.866.866.9050, Monday-
    Friday, 8 a.m. to 5 p.m. Central Time, for answers to your questions about all benefits
    except FedEx Kinko’s 401(k) Plan. If you are calling after-hours, please leave a
    message and your call will be returned when the Service Center re-opens. Fax
    number: 1.214.550.7717

•   FedEx Kinko’s Benefit Department e-mail address:
    benefits.department@fedexkinkos.com

•   Anthem Blue Cross Medical Customer Service at 1.888.252.6941.

•   Anthem Blue Cross Dental Customer Service at 1.800.627.0004

•   Anthem Blue Cross Pharmacy Customer Service at 1.800.700.2541

•   Anthem Blue Cross Flexible Spending Accounts at 1.888.209.7976. Fax
    1.818.234.4730. Email address: UNIACCOUNT.FSA@wellpoint.com

•   HealthComp Administrators (COBRA and Educational Assistance Plan):
    1.800.442.7247. Fax: 559.499.2464

•   VMC (Employee Assistance Program):
    1.800.843.1327

•   Aetna Disability Insurance Carrier at 1.866.240.4385, Monday-Friday, 7 a.m. to
    7 p.m. Central Time or www.wkabsystem.com, 24 hours a day, 7 days a week
    (website identifier is fedexkinkos).

•   Aetna Life Insurance Company at 1.866.240.4385, Monday – Friday, 7 a.m. to 7
    p.m. Central Time.

•   The Vanguard Group – 401(k) at 1.800.523.1188

•   Aflac – 1.800.632.4520 or www.fedexkinkos-aflac.com

•   MetLife – 1.800.438.6388 or www.metlife.com/mybenefits

•   For submitting team member change of status information, name change, and address
    changes: myHR.fedexkinkos.com

You will also find a more complete listing of helpful phone numbers and Web page
addresses in the "Contacts” section of the online Benefits Library.




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.




Eligibility
Team Member Eligibility
To be eligible for benefits under this Plan, you must be a regular, full-time team member of
FedEx Kinko’s Office and Print Services, Inc. in the United States (except Hawaii as defined
below) or an expatriate employed by FedEx Kinko’s, and working at least 32 hours per week.
Temporary employees are not considered to be regular team members and are not eligible for
health and welfare benefits. If your coverage under the Plan was effective prior to September 1,
1987, you work a minimum of 30 hours per week, and you have maintained uninterrupted
coverage, you can continue to be eligible for coverage. All eligible team members who were
covered under the prior Plan, and meet the requirements for eligibility, will be covered under this
Plan. Note: Established procedures for determining hours worked are set forth in the
Administrative Manual of the Plan.

               !!      If you meet the eligibility qualifications stated above, you
                       will become eligible for coverage on the first day of the
                       month following or coinciding with three continuous
                       months of regular, full-time employment. For example, if
                       you begin work on May 15, you will become eligible for
                       coverage on September 1.

               !!      To be covered under the benefit options of your choice, you
                       must complete the enrollment process on or prior to your
                       eligibility date. This process includes authorization of any
                       payroll deductions that are required for your participation
                       in the Plan. Enrollment is by Web, and a written
                       confirmation will be mailed..

               !!      If you are eligible but you do not complete the enrollment
                       process on time, you will not have FedEx Kinko’s Medical,
                       Dental or Vision coverage. You will automatically be
                       enrolled in the company provided Basic Life Insurance
                       Plan and the Short & Long term Disability Plans.




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2008 Summary Plan Description                                                         FedEx Kinko's Office and Print Services, Inc.


International Team Members

If an International team member transfers to a position within the United States, credit will be
given for previous service with respect to satisfying eligibility requirements for benefits
enrollment.

Team Members of FedEx Kinko’s Subsidiaries

If you work for a subsidiary that is 100% owned by FedEx Kinko’s Office and Print Services,
Inc. and your employer has elected to participate in the FedEx Kinko’s Office and Print Services,
Inc. benefit plans, then you will be treated as a FedEx Kinko’s Office and Print Services, Inc.
team member for purposes of the FedEx Kinko’s Office and Print Services, Inc. benefit plans
selected by your employer.


                                                   2008 Benefit Start Date Matrix

             FedEx Kinko’s
                                                                 Election Window                                     Benefit Start Date
        FT Employment Start Date

                                                    (This is the period of time in which you can go
  (This is the date you began working as a full-                                                      (This is the date your benefits will begin, providing
                                                        online and begin making your benefit
     time team member for FedEx Kinko’s)                                                                full-time employment has not been interrupted)
                                                                       elections)

   September 2, 2007 - October 1, 2007                November 2, 2007 - January 2, 2008                               January 1, 2008

    October 2, 2007 - November 1, 2007                December 3, 2007 - February 1, 2008                             February 1, 2008

  November 2, 2007 - December 1, 2007                   January 1, 2008 - March 3, 2008                                March 1, 2008

    December 2, 2007 - January 1, 2008                  February 1, 2008 - April 1, 2008                                April 1, 2008

    January 2, 2008 - February 1, 2008                    March 2, 2008 - May 1, 2008                                    May 1, 2008

     February 2, 2008 - March 1, 2008                      April 2, 2008 – June 2, 2008                                  June 1, 2008
       March 2, 2008 - April 1, 2008                       May 2, 2008 – July 1, 2008                                    July 1, 2008

        April 2, 2008 - May 1, 2008                       June 2, 2008 - August 1, 2008                                August 1, 2008

         May 2, 2008 - June 1, 2008                     July 3, 2008 – September 2, 2008                             September 1, 2008

         June 2, 2008 - July 1, 2008                    August 2, 2008 - October 1, 2008                               October 1, 2008
        July 2, 2008 - August 1, 2008                September 2, 2008 - November 3, 2008                            November 1, 2008

    August 2, 2008 - September 1, 2008                October 2, 2008 - December 1, 2008                             December 1, 2008
 Note: Assumes completion of three continuous months of FT employment. Benefit Election Window begins 60 days prior to Benefits
 Start Date. If Benefit Start Date falls on a weekend or a holiday, election window is extended to the first following business day.




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2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.



Hawaii Team Members
You are provided with medical, dental and vision care under a separate health insurance
policy as mandated by State law. Regular, full-time team members working at least 32
hours per week are also eligible for the following benefits: Employee Assistance
Program, basic and supplemental life, short & long-term disability, flexible benefits,
Educational Assistance Plan, business travel accident coverage, Aflac and MetLife
voluntary benefit programs.

               !!      Full-time Hawaii team members will become eligible for
                       coverage on the first day of the month following or
                       coinciding with 4 consecutive weeks of regular, full-time
                       employment. Part-time Hawaii team members working at
                       least 20 hours per week will become eligible for part-time
                       benefits the first day of the month following or coinciding
                       with 4 consecutive weeks of regular, part-time employment
                       if they have earned 86.67 times the Hawaii minimum
                       hourly wage.

               !!      To be covered under the Hawaii medical plan you must
                       submit a completed application for benefits prior to your
                       eligibility date.




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2008 Summary Plan Description                                FedEx Kinko's Office and Print Services, Inc.

Benefits Summary
This section briefly describes the health and welfare benefits that may be available to you
(FedEx Kinko’s 401(k) Plan is covered separately). The health and welfare benefits
package includes:

       •       Medical Plan Options

       •       Dental Plan Options

       •       Vision Plan

       •       Flexible Spending Accounts

                       Health Care Reimbursement Account

                       Dependent Care Assistance Program

       •       Employee Assistance Program

       •       Short & Long-term Disability Insurance

       •       Basic and Supplemental Life Insurance

       •       Domestic Partner Coverage

The section entitled, "Benefits at a Glance" is a quick reference tool that highlights the
many coverage options that may be available to you and provides the monthly team
member contribution for these benefits.




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2008 Summary Plan Description                                     FedEx Kinko's Office and Print Services, Inc.

Benefits at a Glance
Medical Plan Options

No Medical Coverage
You can opt-out of medical coverage, and still elect dental or vision coverage and/or
supplemental life insurance for yourself and your eligible dependents. If you opt out of FedEx
Kinko's medical plans you will still have Basic Life insurance, Short- and Long-term Disability
and Employee Assistance Plan coverage. In addition, you can elect to participate in the
Healthcare Reimbursement Account and/or the Dependent Care Assistance Program.

Catastrophic Medical Plan
This Plan provides catastrophic level medical and prescription drug coverage. There is no
reimbursement for medical expenses until the annual deductible has been satisfied. The
team member contribution (payroll deduction) on this Plan is less than the contribution on the
Comprehensive Plan, but the deductible is significantly higher. This Plan encourages the use of
PPO (Preferred Provider Organization) providers but will allow you to see any doctor. Your
reimbursement level drops from 90% to 70% of UCR (Usual, Customary & Reasonable charges)
if you do not use a PPO provider. There is also no reimbursement for medical expenses over
UCR amounts. If you elect this Plan, consider taking advantage of the HCRA program to pay
for eligible medical expenses incurred while satisfying your deductible with pre-tax dollars.

Monthly Team Member Contributions
               Team member only   $36.38
     Team member and spouse/DP $117.93         This is the amount withheld from your check on a monthly basis
      Team member and child(ren) $117.49       to pay your portion of the premium for this level of coverage.
         Team member and family $163.37
Prescription Coverage
                                               This is the percentage you have to pay for prescription
             Generic Prescriptions     50%     medications at a participating pharmacy (up to a maximum per
                                               prescription).
    Preferred/Non-Preferred Brand
                                       50%         • Generic – $10 maximum
                     Prescriptions
                                                   • Brand – $50 maximum
            Specialty Prescriptions    50%         • Specialty – $200 maximum
                                               This benefit is payable before the deductible is satisfied

Annual Deductible
               Team member only       $1,000
                                               This is the amount you must pay in addition to your team
     Team member and spouse/DP        $2,000
                                               member contribution before your medical coverage will begin to
      Team member and child(ren)      $2,000
                                               pay benefits.
         Team member and family       $2,000
Emergency Room Copay
                     Per Incident     $200     This is waived if admitted to hospital.
Schedule of Payment                   PPO      Non-PPO
                                                             This is the percentage of most covered expenses
                                                             the Plan will pay after you have satisfied your
                  All Participants    90%         70%
                                                             deductible; you are responsible for the balance.
                                                             You pay less when using a PPO provider.




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2008 Summary Plan Description                            FedEx Kinko's Office and Print Services, Inc.


Annual Out-of-Pocket Maximum       PPO     Non-PPO
              Team member only    $1,500    $2,500
                                                     This is the amount, in addition to your deductible
    Team member and spouse/DP     $3,000    $5,000
                                                     and co-pays that you would pay before benefits
     Team member and child(ren)   $3,000    $5,000
                                                     would begin to pay 100% of UCR charges.
        Team member and family    $3,000    $5,000




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2008 Summary Plan Description                                        FedEx Kinko's Office and Print Services, Inc.

 Comprehensive Medical Plan
This Plan provides comprehensive medical and prescription drug coverage. The team member
contribution (payroll deduction) on this Plan is more than the contribution on the Catastrophic
Plan, but the deductible is significantly lower. This Plan encourages the use of PPO (Preferred
Provider Organization) providers but will allow you to see any doctor. Your reimbursement
level drops from 90% to 70% of UCR (Usual, Customary & Reasonable charges) if you do not
use a PPO provider. Certain “Special Medical Benefits” are paid before the annual deductible
has been satisfied (see the Schedule of Benefits for the Comprehensive Medical Plan section of
this Summary Plan Description for a complete list). There is no reimbursement for medical
expenses over UCR amounts. If you elect this Plan, consider taking advantage of the HCRA
program to pay for eligible medical expenses incurred while satisfying your deductible with pre-
tax dollars.

Monthly Team Member Contributions:
                Team member only $100.45
                                                    This is the amount withheld from your check on a monthly
       Team member and spouse/DP $192.69
                                                    basis to pay your portion of the premium for this level of
        Team member and child(ren) $191.88
                                                    coverage.
           Team member and family $273.36
Prescription Coverage
                                                    This is the percentage you have to pay for prescription
              Generic Prescriptions      50%        medications at a participating pharmacy (up to a maximum per
                                                    prescription).
     Preferred/Non-Preferred Brand
                                         50%            • Generic – $10 maximum
                      Prescriptions
                                                        • Brand – $50 maximum
             Specialty Prescriptions     50%            • Specialty – $200 maximum
                                                    This benefit is payable before the deductible is satisfied
Special Medical Benefits
                                         $20
                   PPO Office Visit    PCP/$40      Certain Medical expenses, such as PPO office visits, Routine
                                       Specialist   Cancer Screenings and Well Baby Care are paid before the
     Routine Physical Examination                   annual deductible has been satisfied.
                                        100%
              (up to $500 per year)
Annual Deductible                        PPO        Non-PPO
                Team member only         $300         $500
                                                                 This is the amount you must pay in addition to
      Team member and spouse/DP          $600        $1,000
                                                                 your team member contribution before certain
       Team member and child(ren)        $600        $1,000
                                                                 medical benefits will be paid.
          Team member and family         $600        $1,000
Emergency Room Copay
                       Per Incident      $200       This is waived if admitted to hospital.
Schedule of Payment                      PPO        Non-PPO
                                                                 This is the percentage of most covered expenses
                                                                 the Plan will pay after you have satisfied your
                    All Participants     90%           70%
                                                                 deductible; you are responsible for the balance.
                                                                 You pay less when using a PPO provider.
Annual Out-of-Pocket Maximum             PPO        Non-PPO
               Team member only         $1,500        $2,500
                                                                 This is the amount, in addition to your deductible
     Team member and spouse/DP          $3,000        $5,000
                                                                 and copays that you would pay before benefits
      Team member and child(ren)        $3,000        $5,000
                                                                 would begin to pay 100% of UCR charges.
         Team member and family         $3,000        $5,000




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2008 Summary Plan Description                                    FedEx Kinko's Office and Print Services, Inc.

CareAdvocate Plan
This Plan requires that you and your eligible dependents only, utilize Anthem Blue Cross PPO
providers and facilities. There are no benefits for out-of-network services. The
CareAdvocate Plan is a hybrid PPO/Managed Care option. This Plan uses the same PPO network
of physicians that the Catastrophic and Comprehensive Plans use. You can see any PPO Primary
Care Physician (PCP) after paying a $20 office visit fee. PCPs are considered to be any
Family/General Practice physicians, Pediatricians, OB/GYNs, Internists and Nurse Practitioners.
You do not need to designate a specific PCP. You can also see any PPO network specialist
(subject to a $300 deductible) as long as you follow the Anthem Blue Cross CareAdvocate pre-
notification process (and receive the required pre-notification number). The rates for the
CareAdvocate Plan are lower than the rates for the Comprehensive Plan, but participants are
restricted to PPO network providers. Please note, if you do not follow the Anthem Blue Cross
CareAdvocate pre-notification process none of your medical expenses will be reimbursed. Team
members might want to elect this Plan if they are willing to exchange the freedom to see any
provider for premiums that are lower than the Comprehensive Plan.

!! Reminder: Enrollment in the CareAdvocate Medical Plan requires a Pre-note with Anthem
Blue Cross prior to receiving services from any Specialist. This also includes any specialty
services required by the Specialist such as lab work, x-rays or diagnostic testing. If you do not
obtain a Pre-note with Anthem Blue Cross prior to receiving services the claim will be denied.

Monthly Team Member Contributions
                 EASTERN REGION
                   Team member only       $95.20
          Team member and spouse/DP      $183.66
           Team member and child(ren)    $182.99
              Team member and family     $251.11
                CENTRAL REGION
                                                   This is the amount withheld from your check on a monthly
                   Team member only       $90.06
                                                   basis to pay your portion of the premium for this level of
          Team member and spouse/DP      $176.58
                                                   coverage. See the CareAdvocate Region Matrix to
           Team member and child(ren)    $175.90   determine your region.
              Team member and family     $244.25
                WESTERN REGION
                   Team member only       $76.63
          Team member and spouse/DP      $146.45
           Team member and child(ren)    $145.90
              Team member and family     $202.14
Prescription Coverage
                                                   This is the percentage you have to pay for prescription
                 Generic Prescriptions    50%      medications at a participating pharmacy (up to a maximum
                                                   per prescription).
        Preferred/Non-Preferred Brand
                                          50%           • Generic – $10 maximum
                         Prescriptions
                                                        • Brand – $50 maximum
               Specialty Prescriptions    50%           • Specialty – $200 maximum
                                                   This benefit is payable before the deductible is satisfied
Office Visit Co-payments
  Primary Care Physician (PCP) Office              All services provided by a Primary Care Physician are paid
                                          $20
                                Visit              before the annual deductible has been satisfied.




                                                                                                            16
2008 Summary Plan Description                                     FedEx Kinko's Office and Print Services, Inc.


Annual Deductible
               Team member only       $300
                                               This is the amount you must pay in addition to your team
      Team member and spouse/DP       $600
                                               member contribution for services provided outside of a Primary
       Team member and child(ren)     $600
                                               Care Physicians office.
          Team member and family      $600
Emergency Room Copay
                     Per Incident     $200     This is waived if admitted to hospital.

Schedule of Payment                   PPO      Non-PPO
                                                            This is the percentage of most covered expenses
                                                            the Plan will pay after you have satisfied your
                   All Participants   90%         0%        deductible; assuming you follow the
                                                            CareAdvocate pre-notification process. There is
                                                            no payment when using a non-PPO provider.
Annual Out-of-Pocket Maximum           PPO     Non-PPO
               Team member only       $1,500     N/A
                                                            This is the amount, in addition to your deductible
      Team member and spouse/DP       $3,000     N/A
                                                            and copays that you would pay before benefits
       Team member and child(ren)     $3,000     N/A
                                                            would begin to pay 100% of UCR charges.
          Team member and family      $3,000     N/A



CareAdvocate Region Matrix
     Eastern Benefit Region              Central Benefit Region                  Western Benefit Region
             Maine                           North Dakota                               Arizona
            Vermont                          South Dakota                             Washington
        New Hampshire                          Minnesota                               Montana
         Massachusetts                         Wisconsin                                Oregon
          Rhode Island                         Michigan                                  Idaho
          Connecticut                          Nebraska                                Wyoming
           New York                               Iowa                                 Colorado
          Pennsylvania                           Illinois                                Utah
           New Jersey                            Indiana                                Nevada
            Delaware                              Ohio                                 California
            Maryland                           Kentucky                               New Mexico
          West Virginia                         Missouri                                Alaska
            Virginia                             Kansas
      District of Columbia                     Oklahoma
         North Carolina                        Arkansas
         South Carolina                        Tennessee
             Georgia                           Alabama
             Florida                          Mississippi
                                               Louisiana
                                                  Texas


Combined Coverage

Effective 01/01/2007, Combined Coverage is no longer available. Individuals enrolled
in Combined Coverage prior to Open Enrollment for Plan Year 2008 are
Grandfathered and will remain eligible for the Combined Coverage option until
they choose to drop from coverage. Once Grandfathered Team Members drop out
of Combined Coverage re-enrollment into this coverage is no longer available.




                                                                                                            17
2008 Summary Plan Description                                    FedEx Kinko's Office and Print Services, Inc.

Dental Plan Options


PPO Dental Plan
This Plan offers comprehensive dental coverage. The team member contribution (payroll
deduction) on this Plan is more than the contribution on the Dental Assistance Plan, but pays for
services based on co-insurance vs. fixed amounts. This Plan encourages the use of PPO
(Preferred Provider Organization) providers as additional discounts are offered by these
providers. Preventative Services are paid at 100% and are payable before your deductible has
been satisfied. There is no reimbursement for routine and major dental expenses until the annual
deductible has been satisfied. There is also no reimbursement for dental expenses over UCR
amounts.

Monthly Team Member Contributions
                  Team member only      20.16
                                                 This is the amount withheld from your check on a monthly
        Team member and spouse/DP       34.61
                                                 basis to pay your portion of the premium for this level of
         Team member and child(ren)     34.26
                                                 coverage.
            Team member and family      47.43
Deductible
                  Team member only      $100
                                                 This is the amount you must pay in addition to your team
        Team member and spouse/DP       $150
                                                 member contribution before certain dental benefits will be
         Team member and child(ren)     $150
                                                 paid.
            Team member and family      $150
Schedule of Payment
           Most Preventative Services   100%     Preventative Services such as routine examinations,
                    Routine Services     80%     cleanings of teeth, x-rays, etc. are covered before the
                      Major Services     50%     deductible is applied.
Annual Maximum
                       Per individual   $1,500   This maximum resets each calendar year.
Orthodontia Maximum
                       Per individual   $2,000   This is a lifetime maximum per individual.




                                                                                                              18
2008 Summary Plan Description                                         FedEx Kinko's Office and Print Services, Inc.

Dental Assistance Plan
This Plan utilizes the same network of dentists as the PPO Dental plan. You are free to go to any
dentist you choose, but going to PPO dentists will allow you to access discounted rates. The
Dental Assistance Plan “assists” in making the payment to your dentist. Payments by the Plan
are fixed at a set amount and cannot be changed. For example, the payment for an adult standard
filling is $31.00. This is the total amount that the Plan will pay. If you go to see a participating
PPO dentist and are charged $60 for the filling, the Plan will pay $31.00 and you will be
responsible for the $29.00 difference. If you go to see a non-participating dentist and are
charged $90.00 for the filling, the Plan will again pay $31.00 and you will be responsible for the
$59.00 difference. The rates for this Plan are significantly lower than rates for the PPO Dental
Plan, but if you do not utilize PPO network dentists, your out-of-pocket expenses may be
significantly higher.

Monthly Team Member Contributions
                    Team member only          8.34     This is the amount withheld from your check on a monthly
         Team member and spouse/DP           21.24     basis to pay your portion of the premium for this level of
          Team member and child(ren)         17.37     coverage.
              Team member and family         29.92
Deductible
                    Team member only          $50
         Team member and spouse/DP           $100      This is the amount you must pay in addition to your team
          Team member and child(ren)         $100      member contribution before any dental benefits will be paid.
              Team member and family         $150
Annual Maximum
                          Per Individual    $1,000     This maximum resets each calendar year
Orthodontia Maximum
                          Per Individual    $1,000     This is a lifetime maximum per individual
The amount the Plan pays for each procedure is predetermined, regardless of the amount your dentist actually
charges. You will be responsible for the difference. You can go to any dentist, but if you visit Anthem Blue Cross
PPO dentists, you will access discounted rates and have less out-of-pocket expense. See the Dental Plan Schedule
of Benefits for additional detail.




                                                                                                                 19
2008 Summary Plan Description                                       FedEx Kinko's Office and Print Services, Inc.

Vision Plan Option

This Plan covers an eye exam and lenses every 12 months and frames every 24 months. Contact
lenses are also available. Services are provided via the Vision Service Plan (VSP), which
utilizes a national network of preferred providers. Non-network provider charges are reimbursed
at scheduled rates.

Monthly Team Member Contributions
                    Team member only       $9.83
                                                     This is the amount withheld from your check on a monthly
          Team member and spouse/DP       $13.94
                                                     basis to pay your portion of the premium for this level of
           Team member and child(ren)     $13.41
                                                     coverage.
              Team member and family      $25.84
There is a $10 co-payment when receiving an eye exam at a VSP provider. Up to a $40 reimbursement is provided
for an eye exam from a non-VSP provider, and you will be responsible for the balance.




                                                                                                              20
2008 Summary Plan Description                                 FedEx Kinko's Office and Print Services, Inc.

Flexible Spending Accounts

Health Care Reimbursement Account and Dependent Care Assistance Program
   • You can choose to pay for childcare, or elder care, and/or out-of-pocket health expenses
      with pre-tax dollars.
   • Estimate your contributions carefully. Under IRS rules, this is a “use it or lose it” plan,
      which means any unreimbursed funds remaining in your account at year-end are forfeited
      back to the plan.
   • Contributions are made through payroll deductions.
   • Reimbursements can be sent directly to your bank account through Direct Deposit.

Plan Feature         Healthcare Reimbursement Account          Dependent Care Assistance Program
You can              Up to $5000                               Up to $5000
contribute…
To pay for…          Health related expenses, such as:         Out-of-pocket care expenses for your
                        • Fees like deductibles, co-pays,      children under age 13 and for your
                             co-insurance and charges that     mentally or physically disabled
                             exceed Reasonable &               dependents of any age such as:
                             Customary limits                       • Daycare centers or in-home
                        • Services that are not covered or             care provided by someone who
                             are limited by the plan like              is not your childe and who you
                             prescription out of pocket                do not claim as a tax dependent
                             maximums, chiropractor visits,         • Preschool expenses for children
                             orthodontia, LASIK surgery,               not yet in kindergarten or a
                             physical therapy and mental               higher grade
                             health care                            • Day camp expenses (but not
                        • Products like contact lens                   overnight camp)
                             solutions, hearing aids and
                             some over-the-counter
                             medications
Qualifying              • Incurred between January 1,              •   Incurred between January 1,
expenses must                2008 and December 31, 2008                2008 and December 31, 2008
be…                     • Incurred by you or anyone you            •   Incurred by you
                             claim as a dependent on your          •   Necessary so you can work
                             tax return                                and, if you are married:
                        • Medically necessary                              o Necessary so your
                        • Not reimbursable under any                            spouse can work or
                             other plan                                         attend school full-time,
                        • Considered tax-deductible by                          or
                             the IRS                                       o Necessary to care for
                        • Submitted by March 31 of the
                                                      st                        your mentally or
                             following year                                     physically disable
                                                                                spouse




                                                                                                        21
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Company Paid Benefits
Employee Assistance Program (EAP)

       •       You or your dependents can receive up to five face-to-face confidential
               consultations per issue, information, and personalized referrals for
               yourself and your family members, 24 hours-a-day, every day. The EAP
               is available for both part-time and full-time team members.

       •       Licensed counselors can address issues such as:

               -- Emotional well-being

               -- Personal finances

               -- Addiction and recovery

               -- Legal matters

               -- Work-related concerns

Short & Long-term Disability Insurance

       •       You may receive disability insurance to provide income protection in the
               event you are unable to work due to injury or illness.

       •       Short-term disability benefits are paid at 60% of weekly pay to a
               maximum of $1,000/week for up to 12 weeks.

       •       Long-term disability benefits begin at the end of the short-term disability
               period and are paid at 60% of monthly pay, up to a maximum of
               $10,000/month.

Basic Life Insurance

       •       You are provided with life insurance equal to two times your base annual
               salary (as of the first day of the current month), to a maximum of
               $300,000. The minimum amount of coverage provided is $50,000.

       •       A Designation of Beneficiary must be on file with the FedEx Kinko’s
               Benefits Service Center. You may update your beneficiary information
               online at any time by logging onto benefits.fedexkinkos.com.




                                                                                                      22
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

After-Tax Benefit Option
Supplemental Life Insurance

       •       You can purchase team member supplemental life insurance up to five
               times your annual salary, not to exceed a maximum of $500,000.

       •       Spousal/Domestic Partner coverage may be purchased in an amount not to
               exceed $100,000, or 50% of the amount of your total life insurance,
               whichever is less.

       •       Dependent child/Dependent Domestic Partner child coverage of $5,000 or
               $10,000 may be purchased.

       •       You cannot be insured as both a team member and dependent under the
               policy, nor can a child be covered as a dependent of more than one team
               member.

       •       Rates are contained in the Supplemental Life Insurance Benefits section.

       •       An Evidence of Insurability form may be required.

Team Member Contributions
The FedEx Kinko’s Flexible Benefits Plan lets you pay your required contributions for
medical, dental, and vision plan premiums on a pre-tax basis (supplemental life insurance
contributions are withheld from your paycheck after taxes are deducted). This means
premium dollars are withheld before you pay income taxes on them. This allows you to
reduce your taxable income both Federal and state - and lower your tax liability. These
contributions are deducted automatically from your paycheck in accordance with your
payroll cycle. The actual amount you will be required to contribute for any one plan will
be contained on your personalized enrollment worksheet.

Please be aware that FedEx Kinko's Health & Welfare Plans operate on a pre-tax basis,
which requires strict adherence to IRS guidelines. IRS guidelines prohibit benefit
changes unless reported to FedEx Kinko's Benefit Service Center within 31 days of a
Qualifying Event. See Qualifying Events Section of this Summary Plan Description for
more information.

When you first enroll in benefits, or when you report a qualifying event that will change your
contributions, you may find that your initial deductions are withheld retroactively to your
effective date. For example, you add your newborn to your medical plan on the last possible
date (the 31st day). Coverage was actually effective on your child's date of birth. You will incur
a payroll deduction retroactive to the birth date.




                                                                                                     23
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

Domestic Partner Coverage

If you enroll a domestic partner or their dependents, the IRS requires that you pay the
entire cost of this coverage with after-tax dollars. In addition to any required after-tax
contributions for medical, dental, and vision coverage, domestic partner enrollment is
also subject to imputed income. Imputed income is recognized for the amount
contributed by FedEx Kinko’s toward the cost of coverage for the domestic partner or for
any child(ren). This income will be included on your paycheck and taxed accordingly.
You should seek the advice of your tax accountant, attorney, or other professional to
assess the effects of such additions on your personal situation.

Sample Imputed Income Calculation:

Suppose you elect the Comprehensive Medical Plan coverage for yourself and your
domestic partner. The total monthly premium for this plan option is $560. You will
contribute $185 of this amount, as well as incur tax on the amount FedEx Kinko’s
contributes toward dependent coverage. The following example illustrates how imputed
income is derived (some rounding was used for simplification purposes).

       Monthly Premium (TM + DP Comprehensive Medical Plan)                   $560

       Less Monthly Team Member Contribution                                 -$185

                                                    Subtotal                  $375

       Less FedEx Kinko’s Cost for TM Only Coverage                          -$187

       Monthly Imputed Income                                                 $188




                                                                                                     24
2008 Summary Plan Description                            FedEx Kinko's Office and Print Services, Inc.

Enrollment Procedures
Team Member Responsibilities
All enrollment material can be found online at benefits.fedexkinkos.com. No
enrollment information will be mailed to you.

Initial Enrollment
Enrollment is easy and should take about 15 minutes. Just follow these steps to make sure you
receive the benefits you want and need for 2008:
    1. Review your choices carefully. Go to benefits.fedexkinkos.com, and click on the
        section titled “READ”. It is very important that you review your options and make
        election decisions before you actually enroll.
    2. Decide what you want. Use the on-line Decision Tools available at
        benefits.fedexkinkos.com, and click on the section titled “DECIDE” to help you choose
        the best options for you and your family.
    3. Follow these steps for enrollment:
                Logon to benefits.fedexkinkos.com and click on the section titled “ENROLL”
                Sign in using your KID (or SSN) and PIN (month and day of your birth in
                “mmdd” format – unless you previously changed your PIN.) Contact the Benefits
                Service Center at 1.866.866.9050, option 0, for PIN assistance
                Review your Personal Information
                Updates to personal information have to be made online at
                MyHR.FedExKinkos.com
                Generate your 2008 Personalized Enrollment Worksheet
                Add or update your list of dependents
                Designate your Plan Elections for 2008
                Provide your beneficiaries
    4. Review your 2008 Elections carefully. On the Summary page, you can review your
        elections. If you are not satisfied with your elections or changes, you must make any
        corrections before the enrollment deadline. Once your enrollment deadline has passed,
        you will not be able to make any changes to your benefits until the next Annual
        Enrollment or within 31 days of a Qualified Life Status Change.
    5. Print your 2008 Election Summary. Print out a copy of the Summary page for your
        records. After making your enrollment elections the Benefits Department will mail you a
        Confirmation Statement. When you receive this statement, compare your Summary page
        to your official Confirmation Statement and contact the Benefits Service Center at
        1.866.866.9050, option 0, immediately if you notice any discrepancies.




                                                                                                   25
2008 Summary Plan Description                             FedEx Kinko's Office and Print Services, Inc.

If you fail to enroll in the FedEx Kinko’s Benefits Program by your benefits effective
date, you will not be enrolled in the FedEx Kinko’s Medical, Dental or Vision Plans. You
will automatically be enrolled in the Basic Life Insurance Plan, and the Short & Long-
term Disability Plans. If you do not enroll during your enrollment period, you are only
eligible to change your benefits during the next Annual Open Enrollment period or as the
result of a qualifying event.

               !!      Please note that if you do not enroll, your spouse and/or
                       other dependents will not be eligible for benefits. Since
                       FedEx Kinko's Health & Welfare Plans operate on a pre-tax
                       basis, IRS guidelines prohibit benefit changes during the
                       Plan year unless reported to FedEx Kinko's Benefit Service
                       Center within 31 days of a Qualifying Event.

Annual Open Enrollment

Each year during the Annual Open Enrollment period, you will have a chance to change
your benefit plan elections for the following year, effective January 1. Annual Open
Enrollment materials will be posted on-line and will provide important information
regarding the dates and process for enrollment.

2008 Annual Open Enrollment procedures:

    1.   Logon to benefits.fedexkinkos.com
    2.   Sign in using your SSN and PIN
    3.   Review your Personal Information
    4.   Generate your 2008 Personalized Enrollment Worksheet
    5.   Review/update your list of dependents
    6.   Designate your Plan elections for 2008
    7.   Review/update your beneficiaries
    8.   Review your 2008 Elections
    9.   Print and retain your 2008 Election Summary

Additional team member responsibilities:

•   Maintain a current address with HRIS/Payroll Department to ensure you receive
    important benefit information and notify HRIS/Payroll Department of any name
    change due to marriage or otherwise.

•   Verify all deductions on your paycheck for accuracy. Notify your supervisor
    immediately of any discrepancies.

•   Refer to the FedEx Kinko’s Benefits Library at benefits.fedexkinkos.com to obtain
    benefits information, forms, and important phone numbers as needed.

•   When a life-changing event occurs, such as marriage or divorce, the birth or adoption
    of a child, relocation or transfer, or death, you must contact the FedEx Kinko’s
    Benefits Service Center and provide any required documentation within 31 days of




                                                                                                    26
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

    the event if you want your spouse, domestic partner, or child to be added to, or
    dropped from, your health plan coverage. Some of these events may be processed
    online at benefits.fedexkinkos.com. If you do not report the event and complete the
    benefit change within 31 days, you must wait until the next Annual Open Enrollment
    period to make any changes.

        Note: Days means calendar days (including holidays and weekends) and
        counting begins the day following the qualifying event date.

•   To help you remember what needs to happen, or just to let you know what will
    happen as the result of a life event change, the section entitled, "Qualifying Events
    Guide: What Happens When..." lists a series of life changes and how they affect your
    coverage.

Manager Responsibilities
•   Direct newly eligible team members to benefits.fedexkinkos.com to generate their
    enrollment materials 60 days prior to their benefits eligibility date. Team members
    are eligible for benefits the first of the month following three months of continuous,
    uninterrupted full-time service. Team members must enroll by their eligibility date in
    order to receive healthcare benefits. The next opportunity to enroll will only be
    during the Annual Open Enrollment period or within 31 days of a qualifying
    event.

•   Refer team members to the Benefits Library at benefits.fedexkinkos.com for
    benefits information, forms, and important telephone numbers, as needed. When
    requested, provide your team members with a hard copy of the Summary Plan
    Descriptions (located online in the FedEx Kinko’s Benefits Library under the
    sections entitled, "Summary Plan Descriptions, SPD – Print Version").

•   Refer team members to the FedEx Kinko’s Benefits Service Center for health and
    welfare issues.

•   Promptly report all terminations, transfers, rehires, leaves of absence, and deaths to
    your HRIS/Payroll Specialist. This information has a direct impact on team
    member benefits.




                                                                                                      27
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Team Member Status Changes
Changing from Full-time to Part-time Employment Status
If your regular, full-time status is reduced to part-time, and/or you are working less than
32 hours per week, your medical, dental, and vision coverage, and that of your covered
dependents, will cease at the end of the month in which the work status change occurred
(unless you are covered by an approved leave of absence). Basic Life, Supplemental
Life, Employee Assistance Program, Short- and Long-term Disability, and Flexible
Benefits Plan participation will terminate at midnight on the last day you work full-time.

If eligible, you and your covered dependents will be sent information on COBRA
Continuation Coverage, which provides temporary continuation of health plan benefits as
detailed in the “Legal Notifications” section.

Returning to Full-time Employment Status
If you return to regular full-time status within six months from the date you lost full-time
status and you were previously eligible for benefits, you must call the FedEx Kinko’s
Benefits Service Center within 31 days of your return to regular, full-time status to verify
that your previous coverage was/will be reinstated in your prior plans at your previous
level of coverage.

        If your return to full-time status is within the same calendar year, medical, dental
        and vision coverage will automatically be reinstated on the first of the month that
        falls on or follows your return to full-time status. You must re-elect any flexible
        spending accounts and supplemental life coverage.

        If your return to full-time status is not within the same calendar year, you must
        re-elect all benefits within 31 days of your return to full-time status. If you do
        nothing, you will not be enrolled in FedEx Kinko’s Medical, Dental or Vision
        Plans. You will be automatically enrolled in the Basic Life Insurance Plan, and
        Short and Long-term Disability Plans. The next opportunity to enroll will only
        be during the Annual Open Enrollment period or as the result of a
        qualifying event.

Benefits are effective the first of the month coinciding with or following the date you
return to regular full-time status.

Returning from a Leave of Absence to Regular, Full-time Employment
Status
If you return from a leave of absence to regular, full-time status within six months from
the date you exhausted your leave of absence entitlement and you were previously
eligible for benefits, you must call the FedEx Kinko’s Benefits Service Center within 31
days of your return to regular, full-time status to verify that your previous coverage
was/will be reinstated in your prior plans at your previous level of coverage.




                                                                                                      28
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

        If your return is within the same calendar year, medical, dental and vision
        coverage will automatically be reinstated on the first of the month that falls on or
        follows your return. If your benefits were terminated during your leave of
        absence, you must re-elect any flexible spending accounts and supplemental life
        coverage.

        If your return is not within the same calendar year, you must re-elect all benefits
        within 31 days of your return from leave of absence. If you do nothing, you will
        not be enrolled in FedEx Kinko’s Medical, Dental or Vision Plans. You will be
        automatically enrolled in the Basic Life Insurance Plan, and Short and Long-term
        Disability Plans. The next opportunity to enroll will only be during the
        Annual Open Enrollment period or as the result of a qualifying event.

Benefits are effective the first of the month coinciding with or following the date you
return to regular full-time status.

Returning to FedEx Kinko’s as a Rehired Team Member
If you are rehired as a regular, full-time team member within six months of your
termination date, and were previously eligible for health plan benefits, you must call the
FedEx Kinko’s Benefits Service Center within 31 days of your rehire date to verify that
your previous medical, dental, and/or vision coverage was/will be reinstated in your prior
plans at your previous level of coverage.

If your previously elected medical plan is not available (e.g., you have moved to another
area), you will need to elect a new medical plan. If your family status has changed
during the absence (e.g., you got married), you will be permitted to add the dependent at
this time. Furthermore, you must re-elect supplemental life insurance coverage and
designate new deferral amounts should you wish to participate in the Flexible Spending
Accounts (HCRA and DCAP).

        If your rehire is within the same calendar year, medical, dental and vision
        coverage will automatically be reinstated on the first of the month that falls on or
        follows your return. You must re-elect any flexible spending accounts and
        supplemental life coverage. If you previously opted-out of coverage and are
        rehired in the same plan year, you will not be allowed to elect coverage until the
        next Open Enrollment unless you experienced a relevant qualifying event during
        your time away from FedEx Kinko’s.

        If your rehire to full-time status is not within the same calendar year, you must
        re-elect all benefits within 31 days of your return. If you do nothing, you will
        not be enrolled in FedEx Kinko’s Medical, Dental or Vision Plans. You will be
        automatically enrolled in the Basic Life Insurance Plan, and Short and Long-term
        Disability Plans. The next opportunity to enroll will only be during the
        Annual Open Enrollment period or as the result of a qualifying event.




                                                                                                      29
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

        If more than six months has lapsed before you return to eligible status, you will
        be treated as a new hire. You will be required to satisfy a new waiting period
        before you are eligible for benefits.

Transferring Between Locations
When transferring between locations you must call the FedEx Kinko’s Benefits Service
Center within 31 days of the transfer. If you are enrolled in the CareAdvocate Plan and
you transfer to a new region (see the CareAdvocate Region Matrix section of this
Summary for a description of the Eastern, Central, and Western Regions), a new medical
plan must be elected within 31 days of the transfer. If a new medical plan is not elected
within 31 days of the transfer, you will be enrolled in the Catastrophic Medical Plan at
the same level of coverage as that prior to the transfer.

If you are not yet eligible for benefits, and transfer from one FedEx Kinko’s location to
another, you will be given credit for any regular, full-time employment toward meeting
the required waiting period.




                                                                                                      30
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

Dependent Eligibility
You can only enroll your eligible dependents in the same type of coverage as you choose
for yourself.

               !!      Dependent eligibility is very specific and is defined below
                       for most plans. The Flexible Spending Accounts must
                       comply with other definitions of dependent as described in
                       the "How the Flexible Spending Accounts Work" section of
                       this Summary.

Eligible dependents are:

1. Your legal spouse as defined by the Internal Revenue Code.

2. Your domestic partner as defined below:

       •       You and your domestic partner currently reside together at the same
               address in a committed relationship and have done so continuously for not
               less than one year;

       •       Neither of you is married to anyone else;

       •       Both of you are mentally competent and of legal age to consent;

       •       Neither of you has another domestic partner nor has either of you signed a
               domestic partner declaration with any other person within the last 12
               months;

       •       You and your domestic partner are not related by blood close enough to
               prohibit legal marriage;

       •       You and your domestic partner are financially interdependent;

   You will need to submit a Domestic Partner Affidavit attesting to the above.

3. For health insurance benefits, your children, or the children of your domestic partner,
   including natural, legally adopted and stepchildren, until they turn 23, provided they
   are unmarried and dependent on you for over half of their support and maintenance as
   defined in the Internal Revenue Code.

4. For supplemental life insurance benefits, you or your domestic partner’s children,
   including natural, legally adopted and stepchildren until they turn age 23, provided
   they are unmarried and solely dependent on you for support and maintenance as
   defined in the Internal Revenue Code.

5. Your, or your domestic partner's, unmarried enrolled child, incapable of self-support
   because of mental or physical handicap, may continue as an eligible dependent.




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2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

   Verification must be received from the attending physician before the child's 23rd
   birthday.

               !!      Additionally, a person who qualifies as both a team
                       member and a dependent is eligible to be covered as both a
                       team member and a dependent, except for supplemental life
                       insurance (if applicable team member deduction is
                       authorized). When both husband and wife are covered,
                       both parents may enroll their eligible children and the
                       Coordination of Benefits rules will apply.

Newly Acquired Dependent Eligibility
If you elect dependent coverage within 31 days of acquiring a new dependent, coverage
will begin on the date the eligible dependent was acquired. It is your responsibility to
notify the FedEx Kinko’s Benefits Service Center upon acquiring a dependent.

To enroll a new dependent you must either complete and submit a Qualified Life Status
Change Form and/or Domestic Partner Affidavit (if you wish to enroll a Domestic
Partner) or complete the enrollment via benefits.fedexkinkos.com.

The following information is required to finalize enrollment: Name, Date of Birth,
Relationship, and Gender. This information must be included on the Qualified Life
Status Change Form or entered through the Web site enrollment process.

               !!      If the request for coverage is not reported within 31 days,
                       the newly acquired dependent will not be eligible for
                       coverage until the next Annual Open Enrollment period or
                       as the result of a qualifying event.



Newborn/Adopted Child Eligibility
Your newborn child born to you or your spouse or domestic partner may be
covered from birth. A minor child physically placed with you or your spouse or
your domestic partner for adoption may be covered from the date of placement.
You and your spouse or domestic partner may also be enrolled due to the birth or
adoption of your child. It is your responsibility to notify the FedEx Kinko’s
Benefits Service Center within 31 days following birth or placement.




                                                                                                     32
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

To enroll a new dependent you must either complete and submit a Qualified Life Status
Change Form and/or Domestic Partner Affidavit (if you wish to enroll a Domestic
Partner) or complete the enrollment online at benefits.fedexkinkos.com.

The following information is required to finalize enrollment: Name, Date of Birth,
Relationship, and Gender. This information must be included on the Qualified Life
Status Change Form or entered via benefits.fedexkinkos.com enrollment process.

               !!      Remember, FedEx Kinko's Health & Welfare Plans
                       operate on a pre-tax basis. IRS guidelines prohibit benefit
                       changes during the Plan year unless reported to FedEx
                       Kinko's Benefit Service Center within 31 days of a
                       Qualifying Event.



Qualifying Events
Generally, you cannot change your level of coverage during the Plan Year. However,
certain life events do allow you to make a change, provided that the change in
coverage is consistent with your new family status. You may be required to provide
acceptable documentation substantiating the Qualifying Event, Qualified Life Status
Change Form, and/or a Domestic Partner Affidavit within the 31-day qualifying event
window.

If you fraudulently make an election outside of a relevant qualifying event, you will
be subject to termination and legal action. Any misstatements, material
misrepresentation or omissions may result in voiding your coverage as of its
effective date with no benefits payable.

               !!      You may change your level of coverage for the remaining
                       portion of the Plan Year only for the following reasons, and
                       all changes must be requested within 31 days of the
                       qualifying event. Note: Days means calendar days
                       (including holidays and weekends) and counting begins the
                       day following the qualifying event date.

               !!      Your level of coverage or type of health plan election may
                       be changed provided your new election is consistent with
                       the reason that the change was permitted. For example, you
                       move but still reside in your CareAdvocate region. You
                       may not change from the CareAdvocate plan to another
                       FedEx Kinko’s medical plan.




                                                                                                      33
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

The life events that allow you to make consistent coverage changes are:

1. Marriage, legal separation, divorce, or annulment.

2. Death of your spouse or a dependent.

3. Birth, placement for adoption, or legal adoption of a child. These events allow you to
   add coverage for your new child, yourself, and/or your spouse or domestic partner.
   However, you cannot add coverage for any siblings not previously enrolled.

4. Commencement or termination of employment for you, your spouse, or your
   dependent which results in a commencement or termination of other group health
   plan coverage (this includes a loss of eligibility for extended health coverage
   provided by a prior employer under the terms of a severance agreement outside of a
   COBRA arrangement).

5. Loss of coverage for your dependent due to a former spouse's termination of
   employment (this includes a loss of eligibility for extended health coverage provided
   by your former spouse’s prior employer under the terms of a severance agreement
   outside of a COBRA arrangement).

6. Change in employment status by you or your spouse from full- to part-time or from
   part- to full-time.

7. In certain circumstances, starting or returning from an unpaid leave of absence.

8. In accordance with a Qualified Medical Child Support Order.

9. Dependent no longer meets eligibility requirements.

10. Change in place of residence for you, your spouse, or your dependent that results in a
    gain/loss of plan option availability.

11. Medicare or Medicaid entitlement or loss of eligibility for you, your spouse, or your
    dependent.

12. Becoming a domestic partner or dissolution of a domestic partner relationship.

13. If you previously opted out of coverage for yourself or your eligible dependents, a
    qualifying event occurs if you exhaust COBRA continuation coverage, or lose
    eligibility or employer contributions (i.e., contributions become 100% employee-
    paid) for your other coverage. However, a loss of eligibility or exhaustion of
    coverage does not occur if you voluntarily cease making premium payments for the
    other coverage, fail to pay premiums on a timely basis, or lose coverage for cause
    (such as making a fraudulent claim).

14. A significant increase in the cost of coverage, or the addition, termination, or
    significant reduction in an available benefit option. However, such an event does not
    allow you to change your election under the Health Care Reimbursement Account.




                                                                                                     34
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

15. Your spouse, former spouse, or dependent changes benefit plans under another
    employer’s plan with a fiscal year other than the calendar year. Such an event does
    not allow you to change your election under the Health Care Reimbursement
    Account.

16. The following events that affect your Dependent Care Assistance Program account:
    dependent reaches age 13; cost change by an unrelated dependent care provider;
    changing dependent care providers; or changing the number of hours worked by your
    dependent care provider.


Effective Dates

The effective date for new coverage properly elected within 31 days of marriage, birth,
adoption, placement for adoption, or becoming a domestic partner is the date of the
marriage, birth, adoption, placement, or domestic partner relationship.

The effective date for new coverage properly elected within 31 days of losing eligibility
or exhausting other coverage is the date the completed and timely request for enrollment
is received by the FedEx Kinko’s Benefits Service Center.

For all other qualifying events except divorce, the effective date of a change in coverage
properly elected within 31 days after the qualifying event is the first day of the month
following the month in which the completed and timely request for the change is received
by the FedEx Kinko’s Benefits Service Center.

For a divorce, the ex-spouse coverage would end the first day of the month following the
date of divorce if the FedEx Kinko’s Benefits Service Center was notified within 60 days
of the divorce.


Examples of non-qualifying events

The following are some examples of changes that would not be defined as a qualifying
event:

1. Voluntarily discontinuing COBRA payments that result in termination of COBRA
   coverage before the maximum period of time (18, 24, 29, or 36 months) has been
   reached. This applies to the cessation of COBRA payments (prior to the maximum
   period of time) made by a previous employer under a severance agreement.

2. Failure to make timely COBRA payments that results in termination of COBRA
   coverage before the maximum period of time (18, 24, 29, or 36 months) has been
   reached.

3. Loss of COBRA or other coverage for cause (e.g., fraud).




                                                                                                     35
2008 Summary Plan Description                             FedEx Kinko's Office and Print Services, Inc.

4. Voluntarily terminating coverage for you or an enrolled dependent under another plan
   for the purpose of enrolling yourself or that dependent in FedEx Kinko’s plan and this
   termination of coverage is not associated with any open enrollment.

5. Failing to make timely payments for coverage for you or an enrolled dependent under
   another plan.

6. Termination or reduction in hours of employment with a prior agreement with a
   supervisor for re-employment in a benefits-eligible position.

7. Gaining/Losing coverage under an Individual policy.




                                                                                                    36
2008 Summary Plan Description                                 FedEx Kinko's Office and Print Services, Inc.

Qualifying Events Guide: What Happens When...
How do changes in your life and that of your eligible dependents affect your coverage
under the FedEx Kinko’s Benefits Program? Below is an easy-to-reference outline of
how life changes affect your benefits and what steps must be taken to ensure that you and
your eligible dependents are covered by your chosen Plans. All necessary forms can be
found in the Benefits Library online at benefits.fedexkinkos.com, in the “Forms” folder.

               !!        It is critical that you provide all documentation as required. If you
                         fail to do so, your dependents will NOT be covered. The next
                         opportunity to enroll your dependents will be during the next
                         Annual Open Enrollment period or as the result of a qualifying
                         event.

If this happens...

                       You become eligible for health benefits
You need to do this...

       •       Review enrollment materials posted online at benefits.fedexkinkos.com.

       •       Elect your benefits online at benefits.fedexkinkos.com on or before your
               eligibility date to enroll in FedEx Kinko’s Benefits Program.

       •       Update your Designation of Beneficiary online at
               benefits.fedexkinkos.com

       •       Attest online or complete a Domestic Partner Affidavit if you wish to
               enroll a domestic partner, and send it to the FedEx Kinko’s Benefits
               Service Center prior to your eligibility date.

       •       Retain any enrollment materials and your confirmation statement for your
               personal files and for future reference.

If this happens...

         You got married or you passed the one-year mark in residence
                with a domestic partner within the last 31 days

You need to do this…

       •       Enroll online at benefits.fedexkinkos.com or submit a Qualified Life
               Status Change Form to the FedEx Kinko’s Benefits Service Center within
               31 days of the event to add your spouse or domestic partner to your
               coverage.




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2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

       •       If you wish to elect supplemental life insurance for yourself or your
               spouse/domestic partner as a result of your marriage/one year residence
               status, submit a completed Qualified Life Status Change Form to the
               FedEx Kinko’s Benefits Service Center within 31 days of marriage.

       •       If enrolling a Domestic Partner, submit a completed Domestic Partner
               Affidavit to the FedEx Kinko’s Benefits Service Center within the 31-day
               period.

       •       If necessary, review and update your Designation of Beneficiary online at
               benefits.fedexkinkos.com.

       •       Retain your confirmation statement for your personal files and for future
               reference.

If this happens...

            You have a baby or adopt a child within the last 31 days
You need to do this...

       •       Enroll online at benefits.fedexkinkos.com or submit a Qualified Life
               Status Change Form to the FedEx Kinko’s Benefits Service Center within
               31 days of the birth or placement for adoption to add the child to your
               coverage. This would also apply if you opted out of medical coverage and
               now wish to add medical coverage for yourself and your spouse or
               domestic partner. However, you cannot add coverage for any siblings not
               previously enrolled.

       •       If you wish to elect supplemental life insurance for yourself or your new
               child(ren) as a result of the birth/adoption, enroll online or submit a
               completed Qualified Life Status Change Form to the FedEx Kinko’s
               Benefits Service Center within 31 days of birth or adoption.

       •       Complete a Domestic Partner Affidavit or attest online if you wish to
               enroll a domestic partner, and send it to the FedEx Kinko’s Benefits
               Service Center within the 31-day period.

       •       Retain your confirmation statement for your personal files and for future
               reference.




                                                                                                     38
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

If this happens...

                      Your enrolled child is no longer eligible
You need to do this...

       •       Update your benefits online at benefits.fedexkinkos.com or submit a
               Qualified Life Status Change Form to the FedEx Kinko’s Benefits Service
               Center within 31 days of the event. This would include a child who has
               married, no longer qualifies as a dependent as defined by the Internal
               Revenue Code, or has reached the maximum age. The maximum age for
               health benefits is until they turn 23 (unless mandated differently by an
               applicable State law). The maximum age for supplemental life insurance
               benefits is until they turn 21, but can be extended until they turn 23 if the
               child remains unmarried and solely dependent upon you for support and
               maintenance as defined in the Internal Revenue Code.

       •       Retain your confirmation statement for your personal files and for future
               reference.

If this happens...

You or your dependent(s) had a change in employment status within the last
 31 days (i.e., your dependent gained/lost other group Health and Welfare
                                 coverage)
You need to do this...

       •       Enroll online or submit a completed Qualified Life Status Change Form
               and/or Domestic Partner Affidavit along with supporting documentation
               for any dependent(s) you wish to enroll within 31 days of the event.
               Coverage will be effective the date the transaction is processed and/or the
               required documentation is received by the FedEx Kinko’s Benefits Service
               Center.

       •       Conduct the transaction online or submit a completed Qualified Life Status
               Change Form along with supporting documentation within 31 days of the
               event if you or your dependents have gained group coverage elsewhere
               and you wish to discontinue coverage under FedEx Kinko’s health plans.
               Coverage will terminate on the last day of the month in which the
               completed request is processed and/or received.

       •       If you participate in the FedEx Kinko’s Flexible Spending Accounts
               (HCRA or DCAP) and want to change the amount withheld, elect online
               or notify the FedEx Kinko’s Benefits Service Center within the 31-day
               period.

       •       Retain your confirmation statement for future reference.




                                                                                                      39
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

If this happens...

               You want to add or drop a dependent from coverage
                       during Annual Open Enrollment
You need to do this...

       •       Log on to benefits.fedexkinkos.com during the Annual Open Enrollment
               period in the Fall. Add new or delete existing dependents from your
               coverage.

       •       Attest on-line or submit a completed Domestic Partner Affidavit if you
               wish to enroll a domestic partner, and send it to the FedEx Kinko’s
               Benefits Service Center prior to your effective date.

       •       Retain your confirmation statement for your personal files and for future
               reference.

If this happens...

                         Your home/mailing address changes
You need to do this...

       •       Log onto MyHR.fedexkinkos.com and complete an update of your
               personal information.

       •       Call the FedEx Kinko’s Benefits Service Center within 31 days of your
               move to verify that your medical coverage will continue uninterrupted and
               that you are still eligible to participate in your present options. Medical
               plan costs vary based on location. Failure to elect a new plan in your new
               location could result in your default to the Catastrophic Medical Plan.

       •       Retain your confirmation statement for your personal files and for future
               reference.

If this happens...

                                You transfer work locations
You need to do this...

       •       Verify that your payroll deductions for Health plan, Voluntary plans,
               Supplemental Life Insurance and 401(k) savings rate and/or any 401(k)
               loan deductions are reflected correctly on your paycheck in your new
               location. Notify your supervisor immediately of any discrepancies.




                                                                                                     40
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.




If this happens...

                                You take a leave of absence
You need to do this...

       •       Review and complete a Leave of Absence Forms packet (obtain from your
               manager or print online at benefits.fedexkinkos.com).

       •       Complete a state disability claim form (for team members working in
               California, Hawaii, New Jersey, New York, or Rhode Island).

       •       Contact the Disability Insurance Carrier to discuss disability benefit
               procedures, telephonically or on-line, or to file a claim.

       •       Review your Flexible Spending Account (HCRA or DCAP) deductions
               and modify, if necessary.

If this happens...

     You are unable to return to work after an approved leave of absence
You need to do this...

       •       To continue health plan benefits, elect COBRA benefits within 60 days.

       •       Contact the Disability Insurance Carrier to discuss disability benefit
               procedures, telephonically or on-line, to file a claim.

       •       Repay any outstanding 401(k) loan balance(s) within 90 days of your
               termination date or your loan will be deemed a distribution and reported to
               the IRS as a taxable event.

If this happens...

                                You leave FedEx Kinko’s
You need to do this...

               !!        Note that FedEx Kinko’s health plan coverage continues to
                         the end of the month in which employment ends and a full
                         month’s premium will be withheld from your final
                         paycheck.

       •       All other benefits, including Short- and Long-term Disability, Basic Life,
               and Supplemental Life Insurance coverages, end on the last day worked.




                                                                                                      41
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

       •       To continue life insurance, complete all conversion or continuation forms
               within 30 days of your termination date.

       •       To continue health plan benefits, elect COBRA benefits within 60 days. A
               package will be mailed to your address of record once your termination
               has been processed.

       •       Decide whether to leave your assets in the FedEx Kinko’s 401(k) Plan (if
               your account balance is more than $5,000), rollover your assets into
               another qualified retirement plan, or receive a cash distribution. Notify the
               401(k) Service Center if you choose to receive a rollover or a cash
               distribution.

If this happens...

               You leave FedEx Kinko’s and are rehired within six months
               Note: If you were covered when you left, your benefits are generally
               effective the first of the month coinciding with or following the date you
               are rehired in a benefits eligible status.

You need to do this...

       •       If your return is within the same Plan year, call the FedEx Kinko’s
               Benefits Service Center within 31 days of rehire to:

                -- Verify that your previous medical, dental, and/or vision coverage
                was/will be re-instated in your prior plan(s) at your previous level of
                coverage. If your previously elected plan is not available, you must elect
                a new plan. If you do not call and your previous election is no longer
                available, your coverage may default to another plan.

                --Re-elect supplemental life insurance coverage and designate new
                deferral amounts should you wish to participate in the Flexible Spending
                Accounts (HCRA and DCAP).

       •       If your return is not within the same Plan year, you must re-elect all
               coverage. Call the FedEx Kinko’s Benefits Service Center within 31 days
               of rehire to verify your eligibility and to confirm enrollment window.
               Plan options and prices change from year to year. Your former election
               will not be automatically re-instated. Failure to make elections prior to
               your enrollment deadline will result in no coverage for the remainder of
               the plan year (unless you later experience a relevant qualifying event)

       •       Submit any necessary documentation (such as the Qualified Life Status
               Change Form, Domestic Partner Affidavit, etc.) within the required time
               period.




                                                                                                      42
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

       •       Verify that your 401(k) savings rate and/or any 401(k) loan deductions are
               reflected correctly on your paycheck. Notify your supervisor immediately
               of any discrepancies.

       •       Retain your confirmation statement for your personal files and for future
               reference.




                                                                                                     43
2008 Summary Plan Description                            FedEx Kinko's Office and Print Services, Inc.




Qualified Medical Child Support Order (QMCSO)/National
Medical Support Notice
In the event of a court-mandated Qualified Medical Child Support Order/National
Medical Support Notice, the dependent(s) named in the order will be added to the named
covered team member's FedEx Kinko’s Benefits Program medical, dental, and/or vision
plan coverage. This is required by Section 609 of the Employee Retirement Income
Security Act (ERISA) of 1974, as amended (see the “Legal Notifications” section for
more information on ERISA). Coverage will begin the first of the month following
receipt of the court order. If the team member elected the Opt-out feature, the FedEx
Kinko’s Benefits Service Center will contact the team member, who is required to select
a health plan option. The covered team member will be responsible for any increase in
required monthly team member contributions. The team member will not be permitted to
remove the dependent(s) from coverage as long as the order is in effect. In the event a
court order vacating dependent coverage is received, the named dependents will be
removed from coverage on the first of the month following receipt of the court order.




                                                                                                   44
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

FedEx Kinko’s Benefits Program
Now that you have seen an overview of your benefits package, the Plan descriptions are
where you will find the details. Most of this information will be devoted to describing in
detail the following benefits: medical, dental, vision, employee assistance program, basic
and supplemental life insurance, short & and long-term disability insurance, educational
assistance, flexible benefits, and business travel accident coverage.

Before reading these Plan descriptions, there is vital legal information that you need to
know:

       •       A complete copy of the official Plan Document is on file in the FedEx
               Kinko’s Benefits Department, and is available to all team members. To
               receive a copy, send a written request to the FedEx Kinko’s Benefits
               Department.

       •       If there is ever any conflict between the official Plan Document and these
               plan descriptions, or any other company communication, the terms of the
               official Plan Document will rule.

       •       FedEx Kinko’s reserves the right, at any time and to the extent permitted
               by law, to change, stop, or discontinue any of these benefits. FedEx
               Kinko’s can do this without first notifying any active or retired person,
               eligible dependent, or beneficiary covered by these benefits.

       •       All statements contained in this section are intended to reflect general
               policies, principles and procedures, and do not represent a contractual
               commitment on the part of FedEx Kinko’s; they may be changed at any
               time without notice.

       •       The FedEx Kinko’s Benefits Program includes a voluntary Flexible
               Benefits Plan pursuant to Section 125 of the Internal Revenue Code. This
               allows participants to choose from a range of benefits and pay for them
               through pre-tax payroll deductions. The Plan is also funded by FedEx
               Kinko’s, Inc.

       •       The medical, dental, and vision benefits of this program are provided for
               covered services received anywhere in the world, unless you are a resident
               of a foreign country and are covered there through a mandated health plan.

       •       The Health Insurance Portability and Accountability Act (HIPAA) is a
               federal law containing several provisions which affect the FedEx Kinko’s
               health plans. Please refer to the “Legal Notifications” section for details on
               HIPAA and pre-existing condition limitations. The term pre-existing
               condition is explained in the Glossary of Terms, which is found at the end
               of the Health and Welfare Benefits section.




                                                                                                      45
2008 Summary Plan Description                             FedEx Kinko's Office and Print Services, Inc.

       •       By making your benefit elections through the Web site or FedEx Kinko’s
               Benefits Service Center, any misstatements, material misrepresentations,
               or omissions may result in voiding your coverage as of its effective date
               with no benefits payable. Your elections, either online or with FedEx
               Kinko’s Benefits Service Center serve as your request for enrollment and
               authorizes deductions from your earnings to serve as payment for any
               required contributions.

       •       If you select any Anthem Blue Cross option(s) for your coverage, you are
               authorizing any physician, other health professional, hospitals and other
               health care institutions to provide Anthem Blue Cross, contracted
               physicians and any independent claims administrators, consulting health
               professionals and utilization review organizations with whom Anthem
               Blue Cross has contracted, to use and disclose information concerning
               health care advice, treatment or supplies provided to your dependents
               and/or yourself (including those involving mental illness) relating to
               coverage under this Plan. This information will be used for coordinating
               patient care, evaluating and administering claims for benefits, and for
               fulfilling obligations on Anthem Blue Cross by federal or state law.
               Anthem Blue Cross may provide FedEx Kinko’s with any benefit
               calculations used in the payment of these claims for the purpose of
               reviewing the experience and operation of the policy or contract. If you
               have any questions concerning the benefits and services that are provided
               or excluded under this agreement, please contact the Anthem Blue Cross
               Customer Service Center before making your elections.

       •       By making your elections, you affirm that all information and statements
               provided through the Web site or FedEx Kinko’s Benefits Service Center
               are full, complete, and true to the best of your knowledge.




                                                                                                    46
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Medical Schedule of Benefits
The following pages provide the charges, deductibles, key areas of coverage, and co-
payment schedules for the various Plans effective January 1, 2008.

Since it is just as important for you to be aware of what is not covered under these plans,
a list of exclusions follows the list of covered expenses. Just a reminder - if you are
unsure about what is covered and what is not covered under the Plan you have selected,
simply call the Anthem Blue Cross Customer Service Center.

A Few Words about Preferred Provider Organizations (PPOs)

You can save money by selecting providers and hospitals within the Anthem Blue Cross
Preferred Provider Organization (PPO). With a PPO, you and your eligible dependents
have access to a network of hospitals and/or providers who have agreed to pre-negotiated
discounted fees for their services. Because fees for services are decided in advance, the
cost of the procedure or hospitalization is lower than the rate charged to non-PPO
patients.

These providers and hospitals have agreed to participate in a pre-admission authorization
and cost containment program, and to refer patients to other network providers whenever
possible. The pre-negotiated fee arrangements allow FedEx Kinko’s to provide enhanced
benefits and at the same time reduce the charges for providing health care.

Therefore, within the Catastrophic and Comprehensive Medical Plans, and the PPO
Dental Plan, you and your covered dependents have complete freedom of choice in the
selection of your provider or hospital, but can be reimbursed at a higher level if you use
PPO Providers, as follows:

•      If you or your enrolled dependents choose from the directory of PPO Providers,
       you will receive enhanced benefits that are generally paid at 90% of allowable
       charges.

•      If you or your enrolled dependents choose not to utilize the services of these
       providers, your benefits will be generally paid at 70% of allowable charges.

               !!      In the case of an emergency, benefits are paid at 90% of
                       allowable charges subject to the deductible.

               !!      It is your responsibility to determine that the services you
                       receive are from PPO Providers in order to obtain the PPO
                       level of benefits. Referrals to an Out-of-Network Provider
                       will be covered at the reimbursement rate for Out-of-
                       Network services or supplies. However, covered
                       laboratory, radiology, and anesthesiology expenses, where
                       the PPO Provider has chosen an Out-of-Network Provider
                       to provide the services, will be paid at the 90% PPO




                                                                                                      47
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

                       reimbursement percentage. Any expenses in excess of
                       Usual, Customary and Reasonable (UCR) charges will
                       not be covered and will be the responsibility of the team
                       member.


Within the CareAdvocate Medical Plan, you and your covered dependents must choose
providers and hospitals within the PPO network. There is no reimbursement for services
provided outside the PPO network (except in emergencies). Benefits for in-network
coverage & with prior pre-notification are generally paid at 90% of allowable charges.

Within the Dental Assistance Plan, you and your covered dependents can choose any
provider. However, reimbursement is set at a fixed, scheduled amount. Your out-of-
pocket expenses will be significantly higher if you visit non-PPO providers.

Covered Expenses under the Medical Plans

As you read through the following pages, keep in mind that only eligible expenses will
be covered. In order to be considered an eligible expense, the treatment, service, or
supply must be medically necessary. To be considered medically necessary, a
treatment, service, or supply must be prescribed by a physician and must be:

       Consistent with and appropriate for the condition;

       Of proven value and not redundant with other procedures;

       Not educational, experimental or investigational; and

       Approved by the U.S. Government, if required.

Furthermore, eligible expenses must not exceed Usual, Customary and Reasonable
(UCR) charges for the medical services and supplies you receive. A Usual, Customary
and Reasonable charge is in the 80th percentile of the normal and necessary charges
made for similar services by the providers of medical service with like experience,
education and training, who are practicing in the same geographic area. If the charges are
more than the UCR amount, the excess amount will be disallowed and you will be
responsible for paying the difference.

!!     Additional details follow the Schedule of Benefits. For a complete description of
what is covered, obtain a copy of the official Health Plan Document, which is available
from the FedEx Kinko’s Benefits Department. You may also contact the Anthem Blue
Cross Customer Service Center for any questions regarding coverage.




                                                                                                      48
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Opting Out of Medical Coverage

If you Opt-out of the FedEx Kinko’s medical plans, you will still have Basic life
insurance and short- and long-term disability coverages. You may also elect dental and
vision coverage, supplemental life insurance, and participate in the Flexible Spending
Accounts.

               !!      If you are enrolled in medical coverage, and elect Opt-out
                       as the result of a qualifying event, you must opt-out within
                       31 days of the event.




                                                                                                      49
2008 Summary Plan Description                                        FedEx Kinko's Office and Print Services, Inc.

Schedule of Benefits for the Catastrophic Medical Plan

Maximum Benefits (Per Individual)
        Lifetime Maximum                                                                  $2,000,000
        Alcoholism and Drug/Chemical                                                         $10,000
        Dependency Lifetime Maximum
        Alcoholism and Drug/Chemical                            30 days of inpatient treatment and 30
        Dependency Calendar Year                                                      outpatient visits
        Maximum*
        Mental Health Calendar Year                             30 days of inpatient treatment and 30
        Maximum*                                                                      outpatient visits


*No more than a combined Calendar Year total of 30 days of inpatient treatment and 30 outpatient visits
are available for Alcoholism and Drug/Chemical Dependency and Mental Health Treatment.




Key for Schedule of Payment
        PPO – Preferred Provider Organization
                                                                           90%
        network providers utilized.
        OON – Out-of-Network – Preferred
        Provider Organization network providers                                                      70%
        not utilized.



Schedule of Benefits for the Catastrophic Medical                            PPO                  OON
Plan
Deductibles
        Individual Calendar Year Deductible                             $1,000                    $1,000
        Family Calendar Year Deductible                                 $2,000                    $2,000
        Emergency Room Co-payment (Waived                             $200/visit                $200/visit
        if confined)
Out-of -Pocket Maximums
        Individual Calendar Year Out-of-Pocket                          $1,500                    $2,500
        Maximum
        Family Calendar Year Out-Of-Pocket                              $3,000                    $5,000
        Maximum




                                                                                                               50
2008 Summary Plan Description                            FedEx Kinko's Office and Print Services, Inc.



Medical Benefits
(Payable after Deductible is Satisfied)
       Pre-Natal Care                                       90%                     70%
       Well Baby/Well Child Care (Up to age 7 )             100%                    70%
       Routine Physical Examination (Team member
       and dependents over age 7 only. $500 maximum
       every Calendar Year. Includes gynecological          100%                    70%
       exam. Any amount exceeding $500 maximum is
       subject to deductible and co-insurance.
       Routine Cancer Screenings                            100%                    70%
       Smoking Cessation (To a Lifetime Maximum of
                                                            50%                     50%
       $600)
       Nutrition and Weight Control (To a Lifetime
                                                            50%                     50%
       Maximum of $600)
       Physician Visits                                     90%                     70%
       Diagnostic Laboratory and X-ray                      90%                     70%
       Hospital Inpatient and Outpatient (Pre-
                                                            90%                     70%
       certification required)
       Emergency Room Services ($200 co-payment,
       waived if confined) (Payable if deemed a true        90%                     90%
       emergency)
           Alcoholism and Drug/Chemical Dependency
           (Subject to $10,000 Lifetime Maximum)
       -      Inpatient Care (To an aggregate Calendar
                                                            90%                     70%
              Year maximum of 30 days)*
       -      Outpatient Care (To an aggregate maximum
                                                            90%                     70%
              of 30 visits per Calendar Year)*
       Mental Health
       -      Inpatient Care (To an aggregate Calendar
                                                            90%                     70%
              Year maximum of 30 days)*
       -      Outpatient Care (To an aggregate maximum
                                                            90%                     70%
              of 30 visits per Calendar Year)*
       Extended Care Facility (Up to maximum of 100
                                                            90%                     70%
       days per Calendar Year)
       Home Health Care (Limited to 120 visits per
                                                            90%                     70%
       Calendar Year)
       Newborn Care (Up to 31 days. Note: If you
       want coverage for your newborn beyond this
                                                            90%                     70%
       31-day period, you will need to enroll your
       newborn within 31 days of the date of birth.)




                                                                                                   51
2008 Summary Plan Description                                  FedEx Kinko's Office and Print Services, Inc.



Schedule of Benefits for the Catastrophic
                                                                   PPO                    OON
          Medical Plan
Medical Benefits, Continued
(Payable after Deductible is Satisfied)
       Chiropractic Services (Up to a maximum
                                                                   80%                    70%
       of $1,000 per Calendar Year)
       Acupuncture Services (Up to a maximum
                                                                   80%                    70%
       of $1,000 per Calendar Year)
       Hospice Care                                                80%                    80%
       Short-term Rehabilitation (Physical
       Therapy, Occupational Therapy, Speech
       Therapy. Note: Up to 30 outpatient physical                 80%                    70%
       therapy visits by an Out-of-Network Provider;
       additional visits must be determined to be
       medically necessary)

       Hearing ($500 every 3 years)                                90%                    70%
       Durable Medical Equipment (Subject to
                                                                   90%                    70%
       limitations)
       Ambulance                                                   80%                    80%
       Infertility                                                 90%                    70%
           -Artificial Insemination (Up to six cycles)             90%                    70%
           -Advanced Reproductive Technology (Up to
                                                                   90%                    70%
           three cycles of either IVF, GIFT, or ZIFT)
        Centers of Expertise (COE) Transplants                     90%                     0%
        Private Duty Nursing (Up to a maximum of 70
                                                                   90%                    70%
        shifts per Calendar Year)
        Prescription Drugs at Participating
        Pharmacy (Payable before Deductible is
        Satisfied)
           Retail Pharmacy per Rx                            50% co-insurance
                                                         •     Generic (to $10
                                                               max)
                                                         •     Brand (to $50               n/a
                                                               max)
                                                         •     Specialty (to
                                                               $200 max)
           Mail Order per Rx (90-day supply at           2x co-insurance for
           2x co-insurance for single                      90-day supply
           prescription)                                                                   n/a
                                                         •     Generic (to $20
                                                               max)




                                                                                                         52
2008 Summary Plan Description                                     FedEx Kinko's Office and Print Services, Inc.


                                                             •   Brand (to $100
                                                                 max)
                                                             •   Specialty (to
                                                                 $400 max)


        Prescription Drugs at Non-Participating
        Pharmacy (Payable after Deductible is
        Satisfied)
           Retail Pharmacy per Rx                                                        0% (partial
                                                                      ---            reimbursement may
                                                                                        be available)


Pre-certification Requirements: Inpatient Hospital, Outpatient surgery, treatment facility,
skilled nursing facility, home health care, hospice care, and private duty nursing care require pre-
certification in order to be a Covered Expense, without penalty, under this Plan.

Under all FedEx Kinko’s Medical Plans, Centers of Expertise (COE), must be utilized in conjunction with
covered transplants. If you receive a covered transplant at a COE facility, travel for yourself and a partner
may be covered by the Plan at the prevailing rate determined by the case manager based on reasonable
and customary travel costs at the time and place of your procedure.




                                                                                                            53
2008 Summary Plan Description                                         FedEx Kinko's Office and Print Services, Inc.



Schedule of Benefits for the Comprehensive Medical Plan

The Comprehensive Medical Plan has a unique level of coverage called Special Medical
Benefits. Special Medical Benefits are not subject to a deductible and are limited to
specific services, such as office visits. Other types of services in the Comprehensive
Medical Plan are covered as medical expenses and are paid after your deductible has been
satisfied. These Special Medical Benefits include:

        Physician office visits (PPO Provider office visits: $20 PCP and $40 Specialist);

        Pre-natal care;

        Well baby care;

        Up to $500 per Calendar Year for a routine physical examination as described in
        the heading entitled, "Covered Expenses;"

        Smoking Cessation Programs, not to exceed a lifetime maximum of $600 each for
        you, your spouse or domestic partner, or your enrolled dependent(s); and

        Nutrition and weight control, not to exceed a lifetime maximum of $600 each for
        you, your spouse or domestic partner, or your enrolled dependent(s).


        Routine Cancer screenings, including mammograms and PSAs are covered at
        100%


Maximum Benefits (Per Individual)

        Lifetime Maximum                                                      $2,000,000

        Alcoholism and Drug/Chemical
                                                                               $10,000
        Dependency Lifetime Maximum

        Alcoholism and Drug/Chemical
                                                         30 days of inpatient treatment and 30 outpatient visits
        Dependency Calendar Year Maximum*

        Mental Health Calendar Year Maximum*             30 days of inpatient treatment and 30 outpatient visits

*No more than a combined Calendar Year total of 30 days of inpatient treatment and 30 outpatient visits
are available for Alcoholism and Drug/Chemical Dependency and Mental Health Treatment.




                                                                                                                   54
2008 Summary Plan Description                                           FedEx Kinko's Office and Print Services, Inc.




Key for Schedule of Payment
        PPO – Preferred Provider Organization network providers
                                                                                 90%
        utilized.
        OON – Out-of-Network – Preferred Provider Organization
                                                                                                      70%
        network providers available in service area but not utilized.


Schedule of Benefits for the Comprehensive Medical Plan                        PPO                  OON
Deductibles
        Individual Calendar Year Deductible                                    $300                 $550
        Family Calendar Year Deductible                                        $600                $1,100
        Emergency Room Co-payment (Waived if confined)                      $200/visit           $200/visit
Out-of -Pocket Maximums
        Individual Calendar Year Out-of-Pocket Maximum                        $1,500               $2,500
        Family Calendar Year Out-Of-Pocket Maximum                            $3,000               $5,000
Special Medical Benefits
(Payable before Deductible is Satisfied)
        Pre-Natal Care                                                         90%                  70%
        Well Baby/Well Child Care (Up to age 7)                               100%                  70%
        Routine Physical Examination (Team member and                         100%                  70%
        dependents over age 7 only. $500 maximum every
        Calendar Year. Includes gynecological exam. Any
        amount exceeding $500 maximum is subject to
        deductible and co-insurance.
        Routine Cancer Screenings                                             100%                  70%
        Smoking Cessation (To a Lifetime Maximum of $600)                      50%                  50%
        Nutrition and Weight Control (To a Lifetime                            50%                  50%
        Maximum of $600)
        Physician Office Visits                                         After $20 PCP or            70%
                                                                         $40 Specialist
                                                                         copay, 100%
Medical Benefits
(Payable after Deductible is Satisfied)
        Diagnostic Laboratory and X-ray                                        90%                  70%
        Hospital Inpatient and Outpatient (Pre-                                90%                  70%
        certification required)
        Emergency Room Services ($200 co-                                      90%                  90%
        payment, waived if confined) (Payable if
        deemed a true emergency)




                                                                                                                  55
2008 Summary Plan Description                                       FedEx Kinko's Office and Print Services, Inc.



Schedule of Benefits for the Comprehensive Medical                         PPO                  OON
Plan
Medical Benefits, Continued
(Payable after Deductible is Satisfied)
Alcoholism and Drug/Chemical Dependency (Subject to
$10,000 Lifetime Maximum)
            -    Inpatient Care (To an aggregate Calendar                  90%                  70%
                 Year maximum of 30 days)*
            -    Outpatient Care (To an aggregate                          90%                  70%
                 maximum of 30 visits per Calendar Year)*
        Mental Health
            -    Inpatient Care (To an aggregate Calendar                  90%                  70%
                 Year maximum of 30 days)*
            -    Outpatient Care (To an aggregate                          90%                  70%
                 maximum of 30 visits per Calendar Year)*
        Extended Care Facility (Up to maximum of 100                       90%                  70%
        days per Calendar Year)
        Home Health Care (Limited to 120 visits per                        90%                  70%
        Calendar Year)

        Newborn Care (Up to 31 days. Note: If you want                     90%                  70%
        coverage for your newborn beyond this 31-day
        period, you will need to enroll your newborn
        within 31 days of the date of birth.)
        Chiropractic Services (Up to a maximum of $1,000                   80%                  70%
        per Calendar Year)
        Acupuncture Services (Up to a maximum of $1,000                    80%                  70%
        per Calendar Year)
        Hospice Care                                                       80%                  80%
        Short-term Rehabilitation (Physical Therapy,                       80%                  70%
        Occupational Therapy, Speech Therapy. Note: Up
        to 30 outpatient physical therapy visits by an Out-of-
        Network Provider; additional visits must be determined to
        be medically necessary)

        Hearing ($500 every 3 years)                                       90%                  70%
        Durable Medical Equipment (Subject to limitations)                 90%                  70%
        Ambulance                                                          80%                  80%
        Centers of Expertise (COE) Transplants                             90%                   0%
        Private Duty Nursing (Up to a maximum of 70                        90%                  70%
        shifts per Calendar Year)




                                                                                                              56
2008 Summary Plan Description                                     FedEx Kinko's Office and Print Services, Inc.



Schedule of Benefits for the Comprehensive Medical Plan                    PPO                 OON
Medical Benefits, Concluded
(Payable after Deductible is Satisfied)
        Infertility                                                        90%                 70%
            Artificial Insemination (Up to six cycles)                     90%                 70%
            Advanced Reproductive Technology (Up to three
                                                                           90%                 70%
            cycles of either IVF, GIFT, or ZIFT)
Prescription Drugs at Participating Pharmacy (Payable before
Deductible is Satisfied)
           Retail Pharmacy per Rx                                        50% co-
                                                                        insurance
                                                                    •   Generic (to
                                                                        $10 max)
                                                                                                 n/a
                                                                    •   Brand (to
                                                                        $50 max)
                                                                    •   Specialty (to
                                                                        $200 max)
           Mail Order per Rx (90-day supply at 2x co-insurance       2x co-insurance
           for single prescription)                                    for 90-day
                                                                         supply
                                                                    •   Generic (to
                                                                        $20 max)
                                                                                                 n/a
                                                                    •   Brand (to
                                                                        $100 max)
                                                                    •   Specialty (to
                                                                        $400 max)


Prescription Drugs at Non-Participating Pharmacy (Payable after
Deductible is Satisfied)
           Retail Pharmacy per Rx                                                          0% (partial
                                                                            ---          reimbursement
                                                                                        may be available)
Pre-certification Requirements: Inpatient Hospital, Outpatient Surgery, treatment facility,
skilled nursing facility, home health care, hospice care, and private duty nursing care require pre-
certification in order to be a Covered Expense, without penalty, under this Plan.

Under all FedEx Kinko’s Medical Plans, Centers of Expertise (COE), must be utilized in conjunction with
covered transplants. If you receive a covered transplant at a COE facility, travel for yourself and a partner
may be covered by the Plan at the prevailing rate determined by the case manager based on reasonable
and customary travel costs at the time and place of your procedure.




                                                                                                            57
2008 Summary Plan Description                                        FedEx Kinko's Office and Print Services, Inc.

Schedule of Benefits for the CareAdvocate Medical Plan

The CareAdvocate Plan requires that you only utilize Anthem Blue Cross PPO providers
and facilities. There are no benefits for out of network services.

The CareAdvocate Medical Plan allows you to access any PPO Primary Care Physician (PCP)
prior to satisfying your annual deductible. PCP Office visits will be subject to a $20 office visit
co-payment. PCPs are considered to be any Family/General Practice physicians, Pediatricians,
OB/GYNs, Internists and Nurse Practitioners. You do not need to designate a specific PCP.
Expenses will generally be paid at 90% of the allowable charges for in-network services.

You can also see any PPO specialist (subject to a $300 deductible) as long as you follow the
Anthem Blue Cross CareAdvocate pre-notification process (and receive the required pre-
notification number). Please note, if you do not follow the Anthem Blue Cross CareAdvocate
pre-notification process none of your medical expenses will be reimbursed. Pre-notification is
not an approval process; it is simply a notification that lets Anthem Blue Cross know that you are
going to seek specialty care and helps you stay within the network of participating physicians
and facilities.

!! Reminder: Enrollment in the CareAdvocate Medical Plan requires a Pre-note with Anthem
Blue Cross prior to receiving services from any Specialist. This also includes any specialty
services required by the Specialist such as lab work, x-rays or diagnostic testing. If you do not
obtain a Pre-note with Anthem Blue Cross prior to receiving services the claim will be denied.


Maximum Benefits (Per Individual)

        Lifetime Maximum                                                                           $2,000,000

        Alcoholism and Drug/Chemical                                                                  $10,000
        Dependency Lifetime Maximum

        Alcoholism and Drug/Chemical                     30 days of inpatient treatment and 30 outpatient visits
        Dependency Calendar Year Maximum*

        Mental Health Calendar Year Maximum*             30 days of inpatient treatment and 30 outpatient visits


*No more than a combined Calendar Year total of 30 days of inpatient treatment and 30 outpatient visits
are available for Alcoholism and Drug/Chemical Dependency and Mental Health Treatment.


Schedule of Benefits for the CareAdvocate Medical Plan                       PPO                  OON
Deductibles
        Individual Calendar Year Deductible                                  $300             Not covered
                                                                                              Not covered
        Family Calendar Year Deductible                                      $600




                                                                                                                   58
2008 Summary Plan Description                                  FedEx Kinko's Office and Print Services, Inc.



Out-of -Pocket Maximums
        Individual Calendar Year Out-of-Pocket Maximum               $1,500           Not covered

        Family Calendar Year Out-Of-Pocket Maximum                   $3,000           Not covered

Benefits Payable before deductible is satisfied
        Primary Care Physician Office Visits                           $20                  0%
        Emergency Room Co-payment (waived if                   $200 co-payment $200 co-payment
        confined). Non-Emergency use of the
        Emergency Room is not covered.


Medical Benefits                                                      PPO                  OON
(Payable after Deductible is Satisfied)
        Diagnostic Laboratory and X-ray                               90%                   0%
        Hospital Inpatient and Outpatient (Pre-certification          90%                   0%
        required)
        Alcoholism and Drug/Chemical Dependency (Subject
        to $10,000 Lifetime Maximum)
            -   Inpatient Care (To an aggregate Calendar              90%                   0%
                Year maximum of 30 days)*
            -   Outpatient Care (To an aggregate maximum              90%                   0%
                of 30 visits per Calendar Year)*
        Mental Health
            -   Inpatient Care (To an aggregate Calendar              90%                   0%
                Year maximum of 30 days)*
            -   Outpatient Care (To an aggregate maximum              90%                   0%
                of 30 visits per Calendar Year)*
        Extended Care Facility (Up to maximum of 100 days             90%                   0%
        per Calendar Year)
        Home Health Care (Limited to 120 visits per                   90%                   0%
        Calendar Year)
        Newborn Care (Up to 31 days. Note: If you want                90%                   0%
        coverage for your newborn beyond this 31-day
        period, you will need to enroll your newborn
        within 31 days of the date of birth.)
        Chiropractic Services (Up to a maximum of $1,000              80%                   0%
        per Calendar Year)
        Acupuncture Services (Up to a maximum of $1,000               80%                   0%
        per Calendar Year)
        Smoking Cessation (To a Lifetime Maximum of $600)             90%                   0%
        Nutrition and Weight Control (To a Lifetime                   90%                   0%




                                                                                                         59
2008 Summary Plan Description                                         FedEx Kinko's Office and Print Services, Inc.

         Maximum of $600)
         Hospice Care                                                        80%                   0%
         Short-term Rehabilitation (Physical Therapy,                        80%                   0%
         Occupational Therapy, Speech Therapy. Note: Up to 30
         outpatient physical therapy visits by an Out-of-
         Network Provider; additional visits must be
         determined to be medically necessary)
         Hearing ($500 every 3 years)                                        90%                   0%
         Durable Medical Equipment (Subject to limitations)*                 90%                   0%
Schedule of Benefits for the CareAdvocate Medical Plan                         PPO                 OON
Medical Benefits
(Payable after Deductible is Satisfied)
         Ambulance                                                             80%                 80%
         Centers of Expertise (COE) Transplants                                90%                  0%
         Private Duty Nursing (Up to a maximum of 70 shifts per                90%                  0%
         Calendar Year)
         Infertility                                                           90%                  0%
              --Artificial Insemination (Up to six cycles)                     90%                  0%
             --Advanced Reproductive Technology (Up to three cycles
                                                                               90%                  0%
             of either IVF, GIFT, or ZIFT)
Prescription Drugs at Participating Pharmacy
(Payable before Deductible is Satisfied)
            Retail Pharmacy per Rx                                       50% co-insurance
                                                                        •   Generic (to
                                                                            $10 max)
                                                                        •   Brand (to $50            n/a
                                                                            max)
                                                                        •   Specialty (to
                                                                            $200 max)

            Mail Order per Rx (90-day supply at 2x co-insurance for      2x co-insurance
            single prescription)                                           for 90-day
                                                                             supply
                                                                        •   Generic (to
                                                                            $20 max)                 n/a
                                                                        •   Brand (to
                                                                            $100 max)
                                                                        •   Specialty (to
                                                                            $400 max)
Prescription Drugs at Non-Participating Pharmacy
(Payable after Deductible is Satisfied)
            Retail Pharmacy per Rx                                              n/a                 0%
* May require determination of medical necessity.




                                                                                                                60
2008 Summary Plan Description                                            FedEx Kinko's Office and Print Services, Inc.

Pre-certification Requirements: Inpatient Hospital, Outpatient Surgery, treatment facility, skilled nursing
facility, home health care, hospice care, and private duty nursing care require pre-certification in order to be
a Covered Expense, without penalty, under this Plan.

Under all FedEx Kinko’s Medical Plans, Centers of Expertise (COE), must be utilized in conjunction with covered
transplants. If you receive a covered transplant at a COE facility, travel for yourself and a partner may be covered
by the Plan at the prevailing rate determined by the case manager based on reasonable and customary travel costs at
the time and place of your procedure.




                                                                                                                   61
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Description of Covered Expenses under the Medical Plans

       Acupuncture. Charges not to exceed $1,000 per Calendar Year for acupuncture
       provided by a physician or licensed acupuncturist;

       Alcoholism/Chemical Dependency. Charges not to exceed a lifetime maximum
       of $10,000 for treatment of alcoholism or chemical dependency, including
       treatment by a physician, psychiatrist (M.D.), or psychologist (Ph.D.), subject to
       the following limits:

       -   Inpatient treatment of alcoholism or chemical dependency will not in any
           event exceed an aggregate Calendar Year maximum of 30 days; and

       -   Outpatient treatment of alcoholism and chemical dependency will not in any
           event exceed an aggregate Calendar Year maximum of 30 visits;

       Treatment may be provided on an in-patient basis in an acute or sub-acute
       psychiatric or chemical residential treatment facility; or for out-patient services,
       either out-patient professional services or day treatment facility based programs.

       Note: No more than a combined total of 30 days of inpatient treatment and 30
       outpatient visits are available for Alcoholism and Drug/Chemical Dependency
       and Mental Health Treatment.

       Ambulance. Services of a licensed ambulance company for local surface and air
       ambulance to and from the nearest Hospital or other medical facility that is
       equipped and staffed to treat the Illness or Injury, provided care in the Hospital or
       other facility is a Covered Expense;

       Anesthesia. Including charges for administration;

       Blood. Charges for blood and plasma, unless replaced by you or your enrolled
       dependents;

       Cancer Screenings. Charges for routine cancer screenings, including
       mammograms and PSAs;

       Case Management. Charges under a Medical Case Management program if
       authorized by the Plan Administrator or its designee;

       Casts, Splints, Braces and Crutches;

       Chiropractic. Charges not to exceed $1,000 per Calendar Year for chiropractic
       services, including prescribed therapeutic massages;

       Contraceptives. Charges for IUD, Norplant, Depo-Provera;

       Cosmetic Surgery. Medically necessary charges for cosmetic surgery, provided
       that such surgery is performed in accordance with the following:




                                                                                                      62
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

       -   Such cosmetic surgery is required to correct a congenital defect of a
           Dependent child who is covered under the Plan at the time of birth; or

       -   Such cosmetic surgery is required to repair the effects of an Illness or Injury
           that occurs while you or your enrolled Dependent is covered under this Plan
           and such surgery is furnished within six months from the date of Injury, or as
           soon as medically reasonable following the date of Illness; or

       -   If you are receiving Plan benefits in connection with a mastectomy and you
           elect breast reconstruction in connection with such mastectomy, charges for
           reconstruction of the breast on which the mastectomy has been performed,
           surgery and reconstruction of the other breast to produce a symmetrical
           appearance, and prostheses and physical complications at all stages of
           mastectomy, including lymphedemas, in a manner determined in consultation
           with you and the attending physician;

       Diagnostic Exams. Diagnostic x-ray and laboratory examinations;

       Durable Medical Equipment. Rental or purchase (aggregate rental charges not
       to exceed reasonable purchase price) of medical equipment, if prescribed by a
       physician, required for temporary (generally six months or less) therapeutic use in
       the treatment of an active Illness or Injury, of no further use when medical need
       ends, usable only by you, not primarily for your comfort or hygiene, not for
       environmental control or exercise, and manufactured specifically for medical use,
       including, but not limited to, wheelchair, hospital bed, respiratory and oxygen
       equipment prescribed by a physician for treatment of Illness or Injury, but
       excluding repairs or replacement of equipment or similar equipment,
       modifications to vehicles, residences or other structures, and domestic or
       recreation equipment such as air conditioners, spas, and exercise equipment even
       if prescribed by a physician;

       Elective Sterilization. Charges for elective sterilizations (vasectomy or tubal
       ligation), voluntary or therapeutic, for you or your enrolled spouse or domestic
       partner, but not for a Dependent child;

       Emergency Room Services. Covered to the extent set forth in the Schedule of
       Benefits. Additional deductible will not apply if you are admitted to a hospital on
       an inpatient basis immediately following emergency room treatment nor will it
       count toward the individual or family Calendar Year deductibles;

       Extended Care Facility. Daily services of an Extended Care Facility are limited
       to 100 days per Calendar Year while you are confined as a result of a non-
       occupational Injury or Illness, provided such confinement is in lieu of Hospital
       Confinement. "Daily services" include those institutional services for which
       charges are made by the facility as a condition of occupancy on a regular daily or
       weekly basis. Any excess of the daily charges will be your responsibility;




                                                                                                     63
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

       Genetic Testing. Charges for medically necessary amniocentesis and genetic
       testing;

       Hearing. Charges with respect to hearing that are not otherwise covered
       expenses, not to exceed $500 every three years;

       Home Health Care. Home Health Care Agency services and supplies which are
       furnished pursuant to a Home Health Care Plan in your home for the care and
       treatment of Illness or Injury provided the conditions set forth below are satisfied:

       -   The services are furnished on a visiting basis in your home during no more
           than 120 home health care visits in a Calendar Year. A visit of four hours or
           less will be deemed one home health care visit. If a visit exceeds four hours
           in duration, each four hours or fraction thereof will be considered one home
           health care visit;

       -   Part-time or intermittent skilled nursing services provided by a Registered
           Nurse, Licensed Vocational Nurse, or Licensed Practical Nurse;

       -   Part-time or intermittent home health aide services, which provide supportive
           services in the home under the supervision of a Registered Nurse or a
           Physical, Speech, or Occupational Therapist;

       -   Physical, speech, or occupational therapy, provided that covered expenses
           shall not include outpatient physical therapy furnished by an Out-of-Network
           Provider after the 30th outpatient physical therapy visit unless such additional
           visits are first determined by the Claims Administrator to be medically
           necessary;

       -   Medical supplies, drugs, and medicines prescribed by a physician and related
           pharmaceutical and laboratory services, to the extent that they would have
           been covered under this Plan if you had remained in the Hospital;

       -   Social work performed by a licensed social worker;

       -   Nutrition services performed by a licensed nutritionist, and special meals
           prescribed under the Home Health Care Plan as required with regard to your
           medical condition;

       Hospice Care. Charges you incur if you are terminally ill for certain care
          furnished by a Hospice in accordance with its Hospice license;

       Infertility. Charges for the Infertility treatment listed in the Schedule of Benefits;

       Inpatient Hospital. Hospital room and board for semi-private accommodations,
          including all charges made by the Hospital as a condition of occupancy on a
          regular daily or weekly basis. If private accommodations are used, any excess
          of the daily service charges over the semi-private rate will be your




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

           responsibility, unless private accommodations are medically necessary and
           prescribed by a physician;

       Intensive Care. Including use of the Intensive Care Unit and coronary care
       facilities and services utilized during any confinements;

       Maternity Care. Maternity charges incurred for the following:

       -   Elective abortion; or

       -   Covered expenses for any Hospital or Birthing Center length of stay in
           connection with childbirth for the mother or newborn child will not be
           restricted to less than 48 hours following a normal vaginal delivery, or to less
           than 96 hours following a Cesarean Section, unless the decision to discharge
           the mother or newborn child prior to the expiration of such minimum length
           of stay is made by an attending provider in consultation with the mother;

       Mental Health. Charges for treatment of mental or nervous disorders, including
       treatment by a physician, psychiatrist (M.D.), or psychologist (Ph.D.) and, upon
       referral of a physician, treatment by a Licensed Clinical Social Worker
       (L.C.S.W.) or Marriage Family Child Counselor (M.F.C.C.) or equivalent
       provider that is licensed under applicable state law, subject to the following
       limits:

       -   Inpatient treatment of mental or nervous disorders will in no event exceed an
           aggregate Calendar Year maximum of 30 days; and

       -   Outpatient treatment of mental or nervous disorders will in no event exceed an
           aggregate Calendar Year maximum of 30 visits;

       Note: No more than a combined total of 30 days of inpatient treatment and 30
       outpatient visits are available for Alcoholism and Drug/Chemical Dependency
       and Mental Health Treatment.

       Necessary Services and Supplies. Provided by the Hospital including, but not
       limited to, use of operating rooms, surgical and anesthetic supplies, drugs,
       administration of blood and plasma, and laboratory and x-rays;

       Newborn Care. Routine newborn expenses incurred by your child or the child of
       your enrolled spouse or domestic partner (including charges related to
       circumcision) within the first 31 days. Expenses due to the birth of a newborn
       child by your enrolled child are not covered under this Plan;

       Nurse/Physical Therapist. The services of a Registered Nurse (R.N.), Licensed
       Vocational Nurse (L.V.N.), Registered Physical Therapist (R.P.T.), or Registered
       Nurse Midwife acting within the scope of his or her license, provided such
       services are certified as medically necessary by the attending physician, and are
       not rendered by a person who is related to you or your enrolled dependents by




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

       blood or marriage. Nurses' services are covered in the Hospital, Extended Care
       Facility or in your home;

       Nutrition/Weight Control. Charges not to exceed a lifetime maximum of $600
       for nutrition and weight control;

       Orthotics. Foot orthotics that are prescribed by a physician may be covered if it is
       determined they are necessary for treatment of a medical condition;

       Outpatient Surgery. Charges for outpatient ambulatory surgery centers,
       emergency care centers, and outpatient surgery done at a doctor's office in lieu of
       hospitalization, including the outpatient surgical charges of a surgeon, assistant
       surgeon, anesthesiologist, or certified nurse anesthetist, and charges related to the
       outpatient surgery (lab, x-ray, etc.);

       Oxygen. Including rental of equipment for its administration;

       Physical Exams. Charges not to exceed $500 for a routine physical examination
       (including a gynecological examination and routine Cancer Screenings) for you or
       your enrolled dependents over age seven, provided that such charges are incurred
       only once every Calendar Year (calculated based on the original effective date of
       coverage), and provided further that such charges are incurred in connection with
       a routine, scheduled visit in the absence of Illness, Injury and symptomatic
       complaints as documented by the attending physician. Covered charges include
       the examination, routine x-ray and laboratory charges, immunizations and
       inoculations;

       Physician Services;

       Pre-natal Care;

       Private Duty Nursing. Charges for private duty nursing care by a Registered
       Nurse (R.N.) or Licensed Practical Nurse (L.P.N.) given while you are not an
       inpatient in a Hospital or other health care facility if your condition requires
       skilled nursing services and visiting nursing care is not adequate, subject to a
       Calendar Year maximum of 70 private duty nursing care shifts. For this purpose,
       each period of private duty nursing of up to eight hours will be deemed to be one
       private duty nursing shift;

       Prosthetics. Initial artificial limbs, eyes, and other prosthetic appliances,
       including service and repair of an artificial limb, eye or other prosthetic appliance,
       but not replacement of such items unless specifically approved by the Plan
       Administrator before the purchase or provision thereof, the attending physician
       indicates medical necessity due to a change in the body condition, and the
       artificial limb, eye or other appliance cannot be repaired or made serviceable;

       Smoking Cessation. Charges not to exceed a lifetime maximum of $600 for a
       Smoking Cessation Program;




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       Speech Therapy. Charges for speech therapy for loss of speech due to a non-
       occupational Illness or Injury that occurred while covered under this Plan;

       Transplants. Charges for organ or tissue transplants if medically necessary and
       not Experimental, provided that you are the recipient of the organ or tissue
       transplant. Medically necessary inpatient benefits will be provided for the donor
       of an organ for transplant to you. Benefits will be charged against the recipient's
       Plan coverage;

       Well Baby/Well Child Care; and

       X-ray. X-ray, radium, and radioactive isotope therapy.




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Prescription Drug Benefits under the Medical Plans

               !!      Certain prescription drugs require prior authorization
                       before they will be covered. Visit the Anthem Blue Cross
                       pharmacy website at www.anthem.com/ca for an up-to-date
                       complete list. As an example, second generation anti-
                       histamines such as Allegra® require prior authorization
                       primarily because Claritin® which is less expensive and has
                       fewer known side effects is available over-the-counter.
                       Also, Proton-Pump inhibitors such as Nexium® require
                       prior authorization as Prilosec® is now available over the
                       counter.


The Medical Plans provide the following prescription drug benefits:

Participating Pharmacies. If you use a participating pharmacy and present proper
identification, the pharmacy will fill the prescription and you will be required to pay 50%
of the cost of the prescription, to a maximum per prescription.

   •   Generic – up to $10 maximum

   •   Brand – up to $50 maximum

   •   Specialty – up to $200 maximum

Many prescriptions are available in a generic form (e.g., amoxicillin is a commonly
prescribed antibiotic). If your physician prescribes a brand-name drug when a generic is
available, you may ask your pharmacist to request an alternative prescription.

Non-Participating Pharmacy. If a non-participating pharmacy is used, you will be
responsible for the entire cost of the prescription and must file a claim for reimbursement.
Approved reimbursements will be covered at 50%, to a maximum and are subject to the
deductible. (Generic up to $10 maximum, Brand up to $50 maximum, Specialty up to a
$200 maximum) If you elect the CareAdvocate Plan, you must utilize a participating
pharmacy as there is no reimbursement for non-participating pharmacy expenses.

Mail Order Drug Program. The Mail Order Drug Program allows you to receive
maintenance medication in quantities of up to a 90-day supply, provided that you pay the
required copay. The required co-insurance for a 90-day supply is 2x the single
prescription co-insurance to a maximum per prescription. (Generic up to $20 maximum,
Brand up to $100 maximum, Specialty up to a $400 maximum)

               !!      If you want to obtain your prescriptions through the Mail
                       Order Drug Program, you will need to contact Precision
                       Rx®, the Anthem Blue Cross Mail Order provider




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Limitations. At a retail pharmacy, the maximum amount or quantity of prescription
drugs that will be considered may not exceed a 31-day supply. A 90-day supply may
only be acquired under the Mail Order Drug Program. Notwithstanding the above, the
maximum amount or quantity of erectile dysfunction prescriptions that will be allowed is
6 pills per month. Infertility prescriptions limited to $3,000 lifetime maximum.

Prior Authorization. Benefits will not be payable for medications requiring prior
authorization until the completed prior authorization form has been sent by your
physician to, and approved by, Anthem Blue Cross. Prior Authorization forms are
available at www.anthem.com/ca.

List of Medications Requiring Prior Authorization*


           Program               Medication                        Comments

                                  Accutane
                                                  Prior authorization of benefits is required to
                                 Amnesteem
         Acne Agents                              ensure that medication is taken according to
                                  Claravis                     FDA-indications.
                                   Sotret
                                                 Prior authorization of benefits is required to
            Asthma                  Xolair       ensure that medication is taken according to
                                                              FDA-indications.
    COX-II Selective Non             Bextra      Prior authorization of benefits is required to
 Steroidal Anti-Inflammatory       Celebrex      ensure medications taken according to FDA-
       Drugs (NSAIDs)                Vioxx                        indications.
                                  Caverject
                                                  Prior authorization of benefits is required to
                                      Edex
                                                   ensure medical necessity warrants use of
     Erectile Dysfunction           Levitra
                                                  Erectile or Sexual Dysfunction medications.
                                     Muse            Subject to a limit of 6 units per month.
                                    Viagra
                                  Genotropin
                                  Humatrope
                                 Norditropin
                                   Nutropin
                                                 Prior authorization of benefits is required to
                                 Nutropin AQ
      Growth Hormones                            ensure medications taken according to FDA-
                                Nutropin Depot                    indications.
                                   Protropin
                                     Saizen
                                   Serostim
                                 Tev-Tropin
                                   Copegus
                                  Peg-Intron      Prior authorization of benefits is required to
       Hepatitis Agents             Pegasys       ensure that medication is taken according to
                                    Rebetol                     FDA-indications




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                                  Lotronex       Prior authorization of benefits is required to
  Irritable Bowel Syndrome                       ensure that medication is taken according to
                                  Zelnorm
                                                              FDA-indications.
                                  Accolate       Prior authorization of benefits is required to
    Leukotriene Modifiers         Singulair      ensure that medication is taken according to
                                    Zyflo                      FDA-indications

           Program               Medication                       Comments

                                                 Prior authorization of benefits is required to
          Narcolepsy               Provigil      ensure that medication is taken according to
                                                                FDA-indications.
                                                 Prior authorization of benefits is required to
  Narcotic Pain Medication          Actiq        ensure that medication is taken according to
                                                                FDA-indications.
      Non-Selective Non                          Prior authorization of benefits is required to
 Steroidal Anti-Inflammatory       Mobic         ensure that medication is taken according to
       Drugs (NSAIDs)                                           FDA-indications.
                                   Lamisil        For Lamisil, only oral tablets require prior
                                   Penlac        authorization of benefits. Prior authorization
       Onychomycosis
                                                  of benefits is required to ensure medication
                                  Sporanox            taken according to FDA-indications.
                                                 Prior authorization of benefits is required to
     Osteoporosis Agent            Forteo        ensure that medication is taken according to
                                                                 FDA-indications
                                   AcipHex        A Prior Auth of benefits is not required for
                                    Nexium           initiation of therapy for AcipHex and
                                 Omeprazole        Prevacid. However, prior authorization of
                                   Prevacid        benefits is required for therapy exceeding
   Proton Pump Inhibitors       Prilosec 10 mg      150 tablets or capsules within a 6-month
                                Prilosec 40 mg     period. Prior authorization is required for
                                                 all other proton-pump inhibitors to promote
                                  Protonix       appropriate use of these agents according to
                                                                FDA indications.
                                                 Prior authorization of benefits is required to
           Psoriasis               Raptiva       ensure that medication is taken according to
                                                                FDA-indications.




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           Program                Medication                       Comments

                                    Abilify
                                Chlorpromazine
                                   Clozapine
                                    Clozaril
                                 Fluphenazine
                                    Geodon
                                     Haldol
                                  Haloperidol
                                  Haloperidol
                                  Decanoate
                                   Loxapine
                                   Loxapine
                                   Succinate
                                   Loxitane
                                  Loxitane C
                                    Mellaril
                                    Moban       Prior authorization of benefits is required for
  Psychotropic Medications
                                    Navane          children 6 years of age and younger.
                                      Orap
                                    Permitil
                                 Perphenazine
                                    Prolixin
                                    Prolixin
                                   Enanthate
                                   Risperdal
                                   Seroquel
                                   Stelazine
                                 Thioridazine
                                  Thiothixene
                                   Thorazine
                                Trifluoperazine
                                    Trilafon
                                    Zyprexa
                                Zyprexa Zydis
                                                Prior authorization of benefits is required to
           Restasis                 Restasis    ensure that medication is taken according to
                                                              FDA-indications.
                                     Enbrel     Prior authorization of benefits is required to
    Rheumatoid Arthritis
                                    Humira      ensure that medication is taken according to
         Agents
                                    Kineret                   FDA-indications




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            Program                   Medication                             Comments

                                         Allegra
                                     Allegra 180mg
                                                           Prior authorization of benefits is required to
       Second Generation               Allegra-D
                                                             promote appropriate use of these agents
         Antihistamines                 Clarinex                  according to FDA indications.
                                         Zyrtec
                                        Zyrtec-D
                                                        Prior authorization of benefits is required to
             Somavert                 Somavert          ensure that medication is taken according to
                                                                     FDA-indications.
                                                        Prior authorization of benefits is required to
               Vfend                    Vfend           ensure that medication is taken according to
                                                                      FDA-indications
                                                        Prior authorization of benefits is required to
               Zyvox                    Zyvox           promote appropriate use of this agent and to
                                                               minimize bacterial resistance.
*This list effective December 31, 2003. Medications are updated periodically. For up-to-date
information visit the Anthem pharmacy Web site at www.anthem.com/ca

Excluded Items. Benefits will not be payable for any charges incurred for the following:

        -- Non-legend and over-the-counter (OTC) drugs, except insulin.

        -- Charges for drug administration and/or injection.

        -- Charges for prescriptions that are covered by workers' compensation laws and other
            county, state, or federal programs.

        -- Drugs labeled "Investigational Use" or "Experimental".

        -- Immunization agents, sera blood, or blood plasma.

        -- Medication to be taken or administered to any individual in whole or in part, while he
            or she is a patient in a Hospital.

        -- Devices, appliances, and medical supplies.

        -- Dietary supplements, anorexiants, diet pills, and liquid diets.

        -- Medication to promote hair growth.

        -- Smoking deterrent medication (can be submitted as a Medical expense per the
            provision of the Plan document).

        -- Infertility drugs, except to the extent specifically covered under the Plan Document.

        -- Charges which are excluded under the heading entitled, "General Exclusions,"
            including charges with respect to pre-existing conditions.




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Utilization Review under the Medical Plans

You must obtain pre-certification for the following medical treatment in order to receive
reimbursement without penalty.

•   To ensure that any hospital length of stay is medically necessary, you must obtain
    pre-admission certification from the Utilization Review Program seven days prior to
    any planned hospitalization and/or outpatient surgery. In the event you use a PPO
    Provider, the PPO Provider is required to obtain pre-certification on your behalf. If
    you use an Out-of-Network Provider, you may obtain pre-admission certification by
    calling Anthem Blue Cross at the number shown on your identification card. In the
    case of an unplanned hospitalization, certification must be obtained by or on your
    behalf, or that of your enrolled dependent, by contacting the Utilization Review
    Program within 48 hours, or the next business day, following admission to the
    Hospital.

               !!      If you fail to obtain pre-certification from the Utilization
                       Review Program within the above specified timeframes, a
                       $250 penalty will result.

•   While you are in the Hospital, the Utilization Review Program will follow your care
    to ensure that you receive appropriate care. If a Hospital confinement extends beyond
    the certified number of days, you will incur a $250 penalty unless the extension is
    medically necessary and certification for the extension is obtained from the
    Utilization Review Program.

               !!      The Utilization Review Program does not have the
                       authority to interpret Plan coverage. Certification of the
                       treatment described above does not guarantee that such
                       treatment will be eligible for reimbursement under the Plan.

Self-Audit Benefit under the Medical Plans

If you discover over-billings by a health care provider and your bill is subsequently
reduced as a result, you will receive one-half of the amount the Plan saves, not to exceed
a maximum of $1,000. You will need to submit a Self-Audit form to Anthem Blue Cross,
along with supporting documentation.

General Exclusions under the Medical Plans

Benefits will not be paid for the following:

       •   Any charges not specifically named as eligible expenses;

       •   Any services by a provider not defined in this Plan;




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       •   Charges for services or supplies which are furnished, paid for or otherwise
           provided for by reason of the past or present services of any person in the
           Armed Forces of a government;

       •   Conditions caused by the release of nuclear energy or waste;

       •   Any condition, disability, or expense resulting from or sustained as a result of
           being engaged in an illegal occupation, commission of or attempted
           commission of a felony or other illegal act;

       •   Any condition, disability, or expense resulting from or sustained as a result of
           participation in civil insurrection or a riot;

       •   Illness or Injury which occurs in an act of war;

       •   Charges for care or treatment provided or furnished by a governmental agency
           of any country, unless you are legally required to pay without regard to the
           existence of coverage;

       •   Charges that would not have been made if no coverage existed or charges that
           you are not required to pay;

       •   Charges incurred for services rendered to you or your enrolled dependents by
           you, your enrolled dependents, or by an individual related to or ordinarily
           residing in the same household as you or your enrolled dependents;

       •   Work-related conditions if benefits are recovered or can be recovered, either
           by adjudication, settlement or otherwise, under any Workers' Compensation,
           Employer's Liability Law, or Occupational Disease Law, even if you do not
           claim those benefits;

       •   Injury or Illness suffered while working under an employment relationship for
           pay or profit;

       •   Any charge for service, supply, or treatment that is preventive or is not
           recognized as medically necessary for the diagnosis or treatment of an active
           Illness or Injury, except as specifically provided for in the Plan Document;

       •   Experimental services, procedures or other treatment;

       •   Any charges related to any eye surgery mainly to correct refractive errors,
           orthopedics, vision therapy, or other special vision procedures including radial
           keratotomy;

       •   Psychiatric or psychological testing, evaluation and treatment, or
           hypnotherapy, unless provided for in the Plan Document;




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       •   Charges for dental service or supplies of any kind, except as provided in the
           heading entitled, "Covered Expenses under the PPO/Indemnity Dental Plan"
           or "Dental Assistance Plan Schedule of Benefits;"

       •   Charges in connection with a pre-existing condition for 12 months after your
           enrollment date, reduced by the period of your creditable coverage under other
           health coverage that you had within 62 days of becoming eligible under this
           Plan. However, the Plan will not impose any pre-existing condition exclusion
           relating to pregnancy as a pre-existing condition. Also, the Plan will not
           impose any pre-existing condition exclusion in the case of a newborn child or
           a child who is adopted or placed for adoption before attaining 18 years of age
           who, as of the last day of the 31-day period beginning with the date of birth or
           adoption or placement for adoption, is covered under creditable coverage,
           unless the child has a 63-day period during all of which the child was not
           covered under any creditable coverage;

       •   Expenses incurred for the treatment of weak, strained, or flat feet, corns,
           calluses, toenails, or other routine foot care, unless the charges are for the
           removal of nail roots or for the treatment of metabolic or peripheral-vascular
           disease;

       •   Any charges for cosmetic surgery, except as specifically provided in the Plan
           Document;

       •   Any charges for or related to transsexual/sex change surgery or complications
           arising therefrom;

       •   Any charges related to treatment of learning disabilities;

       •   Outpatient equipment and supplies that do not meet the criteria listed in the
           Plan Document;

       •   Custodial or domiciliary care, or care in an institution which is primarily a
           place of rest for the aged, a nursing home, or any like institution;

       •   All services pertaining to those procedures related to orthognathic procedures
           including surgery and hospitalization;

       •   Orthodontic services or appliances. Such items may be available under the
           dental benefits;

       •   Expenses for orthopedic shoes, orthopedics, and other supportive devices for
           the feet, other than such items which are specifically covered in the Plan
           Document, such as braces, crutches, casts, or splints;

       •   Charges for birth control drugs or devices not covered under the medical or
           prescription drug benefit provisions of the Plans;




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       •   Any charges for weight reduction or control, including drugs, vitamins and
           food supplements, except as specified in the Medical Plans;

       •   Any charges related to voluntary sterilization reversal;

       •   Any charges for penile prosthesis or impotence, unless as a direct result of an
           Illness or Injury or as specified in the Plan Document;

       •   Newborn care for the child of a Dependent child;

       •   Transplant surgery, except as specifically provided in the Plan Document;

       •   Expenses for services that are in the nature of educational, occupational, or
           vocational testing, training, or therapy;

       •   Charges in excess of Usual, Customary and Reasonable Charges (UCR), if
           applicable;

       •   For the CareAdvocate Plan, charges in excess of the scheduled rates and fee
           structures of the PPO;

       •   Services received or supplies purchased outside the United States or Canada,
           unless you or your enrolled dependents are residents of the United States or
           Canada and the charges are incurred while traveling on business or pleasure;

       •   Prescription drugs, unless covered under the prescription drug provisions of
           the Plans or furnished to you by a medical facility while you are an inpatient;

       •   Charges for services or supplies which were actually incurred more than 12
           months prior to the date the charges were submitted to the Plan for payment;

       •   Services or expenses incurred prior to the date your coverage is in force or
           after the date your coverage terminates under the Plan;

       •   Charges incurred due to complications relating to or arising from medical
           services or supplies which are not eligible for reimbursement under the Plan;

       •   Intentionally self-inflicted Injury, subject to provisions of the Plan document;

       •   Services of any resident or intern of a hospital;

       •   Charges for care furnished mainly to provide a surrounding free from
           exposure that can worsen the person's disease or injury;

       •   Charges for or related to the following types of treatment: primal therapy;
           rolfing; psychodrama; megavitamin therapy; bioenergetic therapy; vision
           perception training or carbon dioxide therapy;




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       •   Charges furnished, paid for or for which benefits are provided or required
           under any law of a government (this does not include a plan established by a
           government for its own employees or their dependents or Medicaid);

       •   Charges for therapy or for supplies or for counseling for sexual dysfunctions
           or inadequacies that do not have a physiological or organic basis.




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2008 Summary Plan Description                             FedEx Kinko's Office and Print Services, Inc.




Dental Schedule of Benefits
Just as you have a choice with respect to medical coverage, you also have a choice
between the PPO Dental plan and the Dental Assistance Plan. Both dental plans are
provided through Anthem Blue Cross. After you finish reading this section, if you still
have questions about the differences between these plans, or which plan might work best
for you, call the FedEx Kinko’s Benefits Service Center.

               !!      Team member enrollment is required before eligible
                       dependents can be covered.

PPO Dental Plan

The following schedule highlights the PPO Dental benefits and exclusions provided
under this Plan. Dental benefits are payable for the Usual, Customary, and Reasonable
(UCR) charges actually incurred by, or on behalf of, you or your enrolled dependents for
the listed services and supplies. Services and supplies must be deemed medically
necessary for the treatment and/or prevention of dental injury and disease by a licensed
dentist of your choice. All dental benefits paid to a PPO Provider will be based on the
scheduled rates and fee structures of the PPO Provider.




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Schedule of Benefits for the PPO Dental Plan

                Plan Features                                              Coverage
Dental Benefit Deductibles
         -        Individual Deductible                                       $100 per Calendar Year
         -        Family Deductible                                           $150 per Calendar Year



Maximum Benefits (Per Individual)
         -        Annual Maximum                                            $1,500 per Calendar Year
         -        Orthodontia Maximum                                              $2,000 per lifetime



Preventative Benefits -
Payable before deductible is satisfied.
(No more than twice per Calendar Year.)
         -        Routine oral examination                                        100%
         -        Cleaning of teeth                                               100%
         -        X-rays, including bitewings, where indicated (Full              100%
                  mouth and panoramic x-ray once every three years)
         -        Examinations, consultation, and diagnosis                       100%
         -        Fluoride treatments for children to age 19                      100%
         -        Sealants, to age 15 (Once every three years, one                80%
                  application per tooth)


Routine Benefits -
Payable after deductible is satisfied.

                                                                                  80%
         -        Extractions and oral surgery
                                                                                  80%
         -        Fillings
                                                                                  80%
         -        Treatment of periodontal and other diseases of the
                  gums
                                                                                  80%
         -        Root canal treatment
                                                                                  80%
         -        Relines, rebases, and repairs to existing dentures
                                                                                  80%
         -        Drugs and/or anesthesia (Excludes those obtained
                  under the prescription drug provision of your
                  medical plan)




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Major Benefits -
Payable after deductible is satisfied.

         -        Bridgework, crowns, appliances, dentures, inlays              50%
                  and gold fillings

         -        Orthodontia                                                   50%


Covered Expenses under the PPO Dental Plan

The following is a list of covered expenses under the PPO Dental Plan:

1.       Oral examination, including cleaning of teeth.

2,       Application of fluoride.

3.       Dental X-rays.

4.       Extractions.

5.       Oral surgery.

6.       Fillings.

7.       Anesthetics administered in connection with oral surgery.

8.       General anesthesia when required for extraction of impacted teeth.

9.       Treatment of periodontal disease of the gums and tissues of the mouth.

10.      Endodontic treatment, including root canal therapy.

11.      Space maintainers when used to maintain space.

12.      Initial installation or the replacement of an existing partial or full denture or fixed
         bridgework or the addition of teeth to an existing partial denture, but only if:

         •        Replacement or addition of teeth is required to replace one or more
                  additional natural teeth extracted after becoming covered by this Plan; or

         •        Existing denture or bridgework was installed at least five years prior to its
                  replacement, and the existing denture or bridgework cannot be made
                  serviceable; or

         •        Existing denture is an immediate temporary denture and replacement by a
                  permanent denture is required and takes place within 12 months from the
                  date of installation of the immediate temporary denture; or

         •        Replacement or alteration is necessary because of oral surgery.




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13.    Inlays, onlays, and crowns.

14     Repair or recementing of crowns, inlays, bridgework, or dentures or relining
       dentures.

15     Topical application of sealants (to age 15).

16.    Orthodontics, including repair or replacement of retainers required in conjunction
       with, or subsequent to completion of, orthodontic treatment.

17.    Oral hygiene rendered by a licensed independent dental hygienist.

General Exclusions under the PPO Dental Plan

Coverage for the following services are excluded under the Plan:

1.     Procedures performed for cosmetic reasons.

2.     Services provided under any governmental plan or for which the individual is not
       required to pay.

3.     Replacement of a denture within five years, except under certain circumstances
       defined under covered expenses.

4.     Dental expenses incurred after the date coverage is terminated except for
       extension of 30 days after the termination date for either:

       •   Appliances or materials ordered while the individual was covered under the
           Plan and which are finally installed or furnished within 30 days after the date
           of cessation, or

       •   That part of any other course of treatment which began while the individual
           was covered under the Plan and is completed within 30 days after the date of
           cessation.

5.     Replacement of a lost or stolen appliance (except for repair or replacement of
       retainers required in conjunction with, or subsequent to completion of,
       orthodontic treatment).

6.     Injuries or conditions resulting from an individual's employment.

7.     Any service, including any type of prosthesis, started prior to the effective date of
       this Plan or prior to the date the individual became covered under this Plan.

8.     Treatment by other than a licensed dentist, except charges for dental prophylaxis
       performed by a dental hygienist under the supervision and direction of a dentist.

9.     Services, supplies, and appliances that are more elaborate than those customarily
       employed. Recognizing that many dental problems can be solved in more than




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2008 Summary Plan Description                             FedEx Kinko's Office and Print Services, Inc.

       one way, the Plan will pay the amount equal to the service or procedure that
       generally is an acceptable treatment and which will provide adequate dental care
       at the lowest cost to the insured. In determining its liability, the Plan will be
       guided by nationally established standards of the dental profession. If an
       individual pursues the most expensive course of treatment, this Plan may pay the
       equivalent of the least expensive treatment that adequately restores the mouth to
       normal form and function. This payment may be applied toward a more
       expensive course of treatment.

10.    Rebasing or relining a denture in less than six months from the date of initial
       placement, or such services performed more often than once in any 36 months.

11.    Hospital charges.

12.    Medical, surgical, or appliance treatment or restoration for malocclusion,
       protrusion, or recession of the mandible, maxillary hyperplasia, or maxillary
       hypoplasia.

13.    Sealants are covered only to age 15.

14.    General anesthesia except as provided under covered expenses.

15.    Amounts in excess of the coordination of benefits rules.

Pre-treatment Review under the PPO Dental Plan

It is recommended that a pre-treatment review be submitted to the Claims Administrator,
with the x-rays, before treatment commences for any routine or major treatment expected
to cost more than $350. The Claims Administrator will indicate the amount payable for
the proposed treatment and will advise your dentist, who will then inform you.




                                                                                                    82
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

Dental Assistance Plan

The services that are included as covered dental expense under this Plan are listed below.
If you have a question about an unlisted service, you may call Dental Customer Service at
the phone number listed on your ID card. This schedule shows the maximum benefit that
will be paid for covered dental expense. While the schedule applies to both participating
and non-participating dentists, you may have to pay a greater share of the cost for your
dental care if you choose a non-participating dentist.




                                                                                                     83
2008 Summary Plan Description                                                         FedEx Kinko's Office and Print Services, Inc.

Dental Assistance Plan Schedule of Benefits

                                                               What the Plan pays
                                                                                    What you pay when you see a What you pay when you see a non-
                                                               when you see a PPO
                                                                                           PPO Dentist                    PPO Dentist
Description                                                          Dentist
Periodic Oral Evaluation                                             100%                        $0                          Amounts over UCR
                                                                                    PPO discounted rate less Plan
                                                                                                                      Full retail price less Plan payment
Limited Oral Evaluation - Problem Focused                             $22                    payment
Comprehensive Oral Evaluation                                        100%                        $0                          Amounts over UCR
Detailed And Extensive Oral Evaluation - Problem-Focused,                           PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
By Report                                                             $29                    payment
Re-evaluation- Limited Problem Focused (not post-operative                          PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
visit)                                                                $29                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Intraoral - Complete Series (including Bitewings)                     $43                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Intraoral - Periapical - First Film                                   $7                     payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Intraoral - Periapical - Each Additional Film                         $6                     payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Intraoral - Occlusal Film                                             $11                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Extraoral - First Film                                                $18                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Extraoral - Each Additional Film                                      $16                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Bitewing - Single Film                                                $7                     payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Bitewings - Two Films                                                 $13                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Bitewings - Four Films                                                $18                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Vertical Bitewings                                                    $16                    payment
Posterior-Anterior or Lateral Skull and Facial Bone Survey                          PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Film                                                                  $17                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Panoramic Film                                                        $35                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Cephalometric Film                                                    $37                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Pulp Vitality Tests                                                   $14                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Diagnostic Casts                                                      $29                    payment
Prophylaxis – Adult                                                  100%                       $0                           Amounts over UCR
Prophylaxis – Child                                                  100%                        $0                          Amounts over UCR
Topical Application of Fluoride (including Prophylaxis) –
                                                                                                 $0                          Amounts over UCR
Child                                                                100%
Topical Application of Fluoride (prophylaxis Not Included) –
                                                                                                 $0                          Amounts over UCR
Child                                                                100%
Topical Application of Fluoride (prophylaxis Not Included) –
                                                                                                 $0                          Amounts over UCR
Adult                                                                100%
Topical Application of Fluoride (including Prophylaxis) –
                                                                                                 $0                          Amounts over UCR
Adult                                                                100%
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Sealant – Per Tooth                                                   $18                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Space Maintainer - Fixed - Unilateral                                 $83                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Space Maintainer - Fixed - Bilateral                                 $143                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Space Maintainer - Removable - Unilateral                             $51                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Space Maintainer - Removable - Bilateral                             $151                    payment




                                                                                                                                              84
2008 Summary Plan Description                                                     FedEx Kinko's Office and Print Services, Inc.


                                                           What the Plan pays
                                                                              What you pay when you see a What you pay when you see a non-
                                                           when you see a PPO
                                                                                      PPO Dentist                       PPO Dentist
Description                                                     Dentist
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Recementation of Space Maintainer                                  $17                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - One Surface, Primary                                     $28                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - Two Surfaces, Primary                                    $38                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - Three Surfaces, Primary                                  $49                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - Four or more Surfaces, Primary                           $51                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - One Surface, Permanent                                   $31                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - Two Surfaces, Permanent                                  $42                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - Three Surfaces, Permanent                                $53                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Amalgam - Four or more Surfaces, Permanent                         $57                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - One Surface, Anterior                                      $38                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - Two Surfaces, Anterior                                     $48                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - Three Surfaces, Anterior                                   $61                 payment
Resin - Four or more Surfaces or involving Incisal Angle                      PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
(anterior)                                                         $70                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Composite Resin Crown, Anterior-Primary                            $73                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin-Based Composite, Anterior-Permanent                          $76                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - One Surface, Posterior-Primary                             $34                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - Two Surfaces, Posterior-Primary                            $43                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - Three or more Surfaces, Posterior-Primary                  $56                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - One Surface, Posterior-Permanent                           $39                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - Two Surfaces, Posterior-Permanent                          $55                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Resin - Three or more Surfaces, Posterior-Permanent                $69                 payment
Resin - Based Composite - Four or more Surfaces, Posterior                    PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Permanent                                                          $76                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Inlay - Metallic – One Surface                                     $93                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Inlay - Metallic - Two Surfaces                                   $173                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Inlay - Metallic - Three or more Surfaces                         $162                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Onlay - Metallic - Two Surfaces                                    $98                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Onlay-Metallic-Three Surfaces                                     $109                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Onlay-Metallic-Four or more Surfaces                              $113                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Inlay - Porcelain/ceramic - One Surface                            $96                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Inlay - Porcelain/ceramic - Two Surfaces                          $193                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Inlay - Porcelain/ceramic - Three or more Surfaces                $187                 payment




                                                                                                                                    85
2008 Summary Plan Description                                                         FedEx Kinko's Office and Print Services, Inc.

                                                               What the Plan pays
                                                                                    What you pay when you see a What you pay when you see a non-
                                                               when you see a PPO
                                                                                           PPO Dentist                    PPO Dentist
Description                                                          Dentist
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Onlay - Porcelain/ceramic - Two Surfaces                              $85                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Onlay - Porcelain/ceramic - Three Surfaces                           $105                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Onlay - Porcelain/ceramic - Four or more Surfaces                    $125                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Inlay - Composite/resin - One Surface (laboratory processed)          $91                    payment
Inlay - Composite/resin - Two Surfaces (laboratory                                  PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
processed)                                                            $83                    payment
Inlay - Composite/resin - Three Or More Surfaces                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
(laboratory processed)                                               $105                    payment
Onlay - Composite/resin - Two Surfaces (laboratory                                  PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
processed)                                                           $107                    payment
Onlay - Composite/resin - Three Surfaces (laboratory                                PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
processed)                                                           $111                    payment
Onlay - Composite/resin - Four Or More Surfaces                                     PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
(laboratory processed)                                               $115                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Resin (laboratory)                                            $61                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Resin with High Noble Metal                                  $128                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Resin with Predominantly Base Metal                           $98                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Resin with Noble Metal                                       $151                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain/Ceramic Substrate                                  $202                    payment
                                                                                    PPO discounted rate less Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain Fused to High Noble Metal                                                  payment
                                                                     $196
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain Fused to Predominantly Base Metal                  $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain Fused to Noble Metal                               $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast High Noble Metal                                    $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast High Predominantly Base Metal                       $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast Noble Metal                                         $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast Porcelain/Ceramic                                   $202                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Full Cast High Noble Metal                                   $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Full Cast Predominantly Base Metal                           $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Full Cast Noble Metal                                        $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast Metallic                                            $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Recement Inlay                                                        $15                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Recement Crown                                                        $14                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Prefabricated Stainless Steel Crown - Primary Tooth                   $42                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Prefabricated Stainless Steel Crown - Permanent Tooth                 $48                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Prefabricated Resin Crown                                             $41                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Prefabricated Stainless Steel Crown with Resin Window                 $63                    payment




                                                                                                                                              86
2008 Summary Plan Description                                                     FedEx Kinko's Office and Print Services, Inc.


                                                           What the Plan pays
                                                                              What you pay when you see a What you pay when you see a non-
                                                           when you see a PPO
                                                                                      PPO Dentist                       PPO Dentist
Description                                                     Dentist
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Sedative Filling                                                   $15                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Core Buildup, including any pins                                   $36                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Pin Retention - Per Tooth, in addition to restoration              $9                  payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Cast Post and Core in addition to crown                            $66                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Each additional Cast Post (same tooth)                             $66                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Prefabricated Post and Core in addition to crown                   $55                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Post Removal (not In Conjunction with endodontic therapy)          $49                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Each additional Prefab Post (same tooth)                           $55                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Labial Veneer (laminate) - Chairside                               $62                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Labial Veneer (resin Laminate) - Laboratory                       $132                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Labial Veneer (porcelain Laminate) - Laboratory                   $170                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Temporary Crown (fractured Tooth)                                  $31                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Crown Repair, by report                                            $41                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Therapeutic Pulpotomy (excluding final restoration)                $38                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Gross Pulpal Debridement, primary and permanent teeth              $18                 payment
Pulpal Therapy (resorbable Filling) - Anterior, Primary                       PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Tooth (excluding Final Restoration)                                $52                 payment
Pulpal Therapy (resorbable Filling) - Posterior, Primary                      PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Tooth (excluding Final Restoration)                                $49                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Anterior (excluding final restoration)                            $176                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Bicuspid (excluding final restoration)                            $300                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Molar (excluding final restoration)                               $343                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Treatment of Root Canal Obstruction, non - surgical access         $18                 payment
Incomplete Endodontic Therapy (inoperable or fractured                        PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
tooth)                                                             $18                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Internal Root Repair of Perforation Defects                        $18                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Retreatment of Previous Root Canal Therapy - Anterior             $179                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Retreatment of Previous Root Canal Therapy - Bicuspid             $238                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Retreatment of Previous Root Canal Therapy - Molar                $306                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Apicoectomy/Periradicular Surgery - Anterior                      $140                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Apicoectomy/Periradicular Surgery - Bicuspid (first root)         $226                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Apicoectomy/Periradicular Surgery - Molar (first root)            $202                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Apicoectomy/Periradicular Surgery (each additional root)           $51                 payment
                                                                              PPO discounted rate less Plan
                                                                                                            Full retail price less Plan payment
Retrograde Filling - Per Root                                      $54                 payment




                                                                                                                                    87
2008 Summary Plan Description                                                         FedEx Kinko's Office and Print Services, Inc.

                                                               What the Plan pays
                                                                                    What you pay when you see a What you pay when you see a non-
                                                               when you see a PPO
                                                                                           PPO Dentist                    PPO Dentist
Description                                                          Dentist
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Root Amputation - Per Root                                           $153                    payment
Hemisection (including any root removal), not including root                        PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
canal therapy                                                         $58                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Gingivectomy or Gingivoplasty - Per Quadrant                          $76                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Gingivectomy or Gingivoplasty, Per Tooth                              $46                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Gingival Curettage, Surgical, Per Quadrant, by report                 $36                    payment
Gingival Flap Procedure, including Root Planing - Per                               PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Quadrant                                                             $132                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Apically Positioned Flap                                             $158                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Clinical Crown Lengthening - Hard Tissue                             $181                    payment
Osseous Surgery (including flap entry and closure) - Per                            PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Quadrant                                                             $328                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Bone Replacement Graft - first site in quadrant                      $112                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Bone Replacement Graft - each additional site in quadrant            $127                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Guided Tissue Regeneration - resorbable barrier, per site            $172                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Guided Tissue Regeneration - nonresorbable barrier, per site         $183                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Pedicle Soft Tissue Graft Procedure                                  $297                    payment
Free Soft Tissue Graft Procedure (including donor site                              PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
surgery)                                                             $279                    payment
Subepithelial Connective Tissue Graft Procedure (including                          PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
donor site surgery)                                                  $364                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Distal or Proximal Wedge Procedure                                   $212                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Periodontal Scaling and Root Planing, per quadrant                    $62                    payment
Full Mouth Debridement to Enable Comprehensive                                      PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Periodontal Evaluation and Diagnostic                                 $42                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Localized Delivery of Chemotherapeutic Agents                         $46                    payment
Periodontal Maintenance Procedures (following active                                PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
therapy)                                                              $34                    payment
Unscheduled Dressing Change (by someone other than                                  PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
treating dentist)                                                     $8                     payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Complete Denture - Maxillary                                         $228                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Complete Denture - Mandibular                                        $228                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Immediate Denture - Maxillary                                        $228                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Immediate Denture - Mandibular                                       $228                    payment
Maxillary Partial Denture - Resin Base (including any                               PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
conventional clasps, rests                                           $228                    payment
Mandibular Partial Denture - Resin Base (including any                              PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
conventional clasps,rests                                            $228                    payment
Maxillary Partial Denture - Cast Metal Framework w/Resin                            PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Denture Bases                                                        $282                    payment
Mandibular Partial Denture - Cast Metal Framework w/Resin                           PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Denture Bases                                                        $278                    payment
Removable Unilateral Partial Denture - One Piece Cast                               PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Metal (including clasps and teeth)                                   $142                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Adjust Complete Denture - Maxillary                                   $11                    payment




                                                                                                                                              88
2008 Summary Plan Description                                                     FedEx Kinko's Office and Print Services, Inc.

                                                           What the Plan pays
                                                                                What you pay when you see a What you pay when you see a non-
                                                           when you see a PPO
                                                                                       PPO Dentist                    PPO Dentist
Description                                                      Dentist
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Adjust Complete Denture - Mandibular                              $9                     payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Adjust Partial Denture - Maxillary                                $13                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Adjust Partial Denture - Mandibular                               $10                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Repair Broken Complete Denture Base                               $22                    payment
Replace Missing Or Broken Teeth - Complete Denture (each                        PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
tooth)                                                            $21                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Repair Resin Denture Base                                         $23                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Repair Cast Framework                                             $30                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Repair or Replace Broken Clasp                                    $32                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Replace Broken Teeth - Per Tooth                                  $19                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Add Tooth to Existing Partial Denture                             $27                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Add Clasp to Existing Partial Denture                             $33                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Rebase Complete Maxillary Denture                                 $74                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Rebase Complete Mandibular Denture                                $91                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Rebase Maxillary Partial Denture                                  $90                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Rebase Mandibular Partial Denture                                $101                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Complete Maxillary Denture (chairside)                     $45                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Complete Mandibular Denture (chairside)                    $38                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Maxillary Partial Denture (chairside)                      $37                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Mandibular Partial Denture (chairside)                     $42                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Complete Maxillary Denture (laboratory)                    $72                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Complete Mandibular Denture (laboratory)                   $70                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Maxillary Partial Denture (laboratory)                     $63                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Reline Mandibular Partial Denture (laboratory)                    $65                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Interim Partial Denture (maxillary)                               $77                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Interim Partial Denture (mandibular)                              $99                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Tissue Conditioning, Maxillary                                    $34                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Tissue Conditioning, Mandibular                                   $22                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Overdenture - Complete, by report                                $293                    payment
                                                                                PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
Overdenture - Partial, by report                                 $237                    payment
Modification of Removable Prosthesis (following implant                         PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
surgery)                                                          $30                    payment
Abutment Supported Porcelain Fused to Metal Crown (high                         PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
noble)                                                           $296                    payment
Abutment Supported Porcelain Fused to Metal Crown (pred                         PPO discounted rate less   Plan
                                                                                                                  Full retail price less Plan payment
base metal)                                                      $273                    payment




                                                                                                                                          89
2008 Summary Plan Description                                                      FedEx Kinko's Office and Print Services, Inc.

                                                            What the Plan pays
                                                                                 What you pay when you see a What you pay when you see a non-
                                                            when you see a PPO
                                                                                        PPO Dentist                    PPO Dentist
Description                                                       Dentist
Abutment Supported Porcelain Fused to Metal Crown                                PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
(noble)                                                           $273                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Abutment Supported Cast Metal Crown (high noble)                  $291                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Abutment Supported Cast Metal Crown (pred base metal)             $256                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Abutment Supported Cast Metal Crown (noble)                       $249                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant Supported Porcelain/Ceramic Crown                         $303                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant Supported Porcelain Fused to Metal Crown                  $296                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant Supported Metal Crown                                     $291                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Abutment Supported Retainer, Porcelain/Ceramic                    $303                    payment
Abutment Supported Retainer, Porcelain Fused to Metal                            PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
(high noble)                                                      $296                    payment
Abutment Supported Retainer, Porcelain Fused to Metal                            PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
(pred base metal)                                                 $273                    payment
Abutment Supported Retainer, Porcelain Fused to Metal                            PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
(noble)                                                           $273                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Abutment Supported Retainer, Cast Metal (high noble)              $291                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Abutment Supported Retainer, Cast Metal (pred base metal)         $256                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Abutment Supported Retainer, Cast Metal (noble)                   $249                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant Supported Retainer, Ceramic                               $303                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant Supported Retainer, Porcelain Fused to Metal              $296                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant Supported Retainer, Cast Metal                            $291                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant/Abutment Supported Fixed Denture                          $225                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Implant/Abutment Supported Fixed Denture                          $282                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic – Cast High Noble Metal                                    $200                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic – Cast Predominantly Base Metal                            $180                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic – Cast Noble Metal                                         $162                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic - Porcelain Fused to High Noble Metal                      $192                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic - Porcelain Fused to Predominantly Base Metal              $178                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic - Porcelain Fused to Noble Metal                           $176                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic - Porcelain/Ceramic                                        $202                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic - Resin w/High Noble Metal                                 $198                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic - Resin w/Predominantly Base Metal                         $223                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Pontic - Resin w/Noble Metal                                      $198                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Inlay/Onlay - Porcelain/Ceramic                                   $189                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Inlay - Metallic - Two Surfaces                                   $172                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Inlay - Metallic - Three or more Surfaces                         $192                    payment




                                                                                                                                           90
2008 Summary Plan Description                                                         FedEx Kinko's Office and Print Services, Inc.

                                                               What the Plan pays
                                                                                    What you pay when you see a What you pay when you see a non-
                                                               when you see a PPO
                                                                                           PPO Dentist                    PPO Dentist
Description                                                          Dentist
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Onlay - Metallic - Three Surfaces                                    $109                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Onlay - Metallic - Four or more Surfaces                             $102                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Retainer - Cast Metal for Resin Bonded Fixed Prosthesis               $59                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Retainer - Porcelain/Ceramic (resin bonded fixed prosthesis)         $202                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Resin w/High Noble Metal                                     $222                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Resin w/Predominantly Base Metal                             $186                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Resin w/Noble Metal                                          $162                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain/Ceramic                                            $202                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain Fused to High Noble Metal                          $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain Fused to Predominantly Base Metal                  $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Porcelain Fused to Noble Metal                               $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast High Noble Metal                                    $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast Predominately Based Metal                           $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Cast Noble Metal                                         $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - 3/4 Porcelain/Ceramic                                        $202                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Full Cast High Noble Metal                                   $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Full Cast Predominantly Base Metal                           $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Crown - Full Cast Noble Metal                                        $196                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Connector Bar                                                         $60                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Recement Fixed Partial Denture                                        $19                    payment
Prefabricated Post and Core in addition to fixed Partial                            PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Denture Retainer                                                      $43                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Core Build Up for Retainer, including any pins                        $32                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Coping – Metal                                                       $102                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Each additional Cast Post - same tooth                                $66                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Each additional Prefab Post - same tooth                              $55                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Fixed Partial Denture Repair, by report                               $38                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Single Tooth                                                          $32                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Each Additional Tooth                                                 $30                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Root Removal - Exposed Roots                                          $38                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Surgical Removal of Erupted Tooth                                     $62                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Removal of Impacted Tooth - Soft Tissue                               $88                    payment
                                                                                    PPO discounted rate less   Plan
                                                                                                                      Full retail price less Plan payment
Removal of Impacted Tooth - Partially Bony                           $114                    payment




                                                                                                                                              91
2008 Summary Plan Description                                                      FedEx Kinko's Office and Print Services, Inc.

                                                            What the Plan pays
                                                                                 What you pay when you see a What you pay when you see a non-
                                                            when you see a PPO
                                                                                        PPO Dentist                    PPO Dentist
Description                                                       Dentist
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Removal of Impacted Tooth - Completely Bony                       $131                    payment
Removal of Impacted Tooth - Completely Bony, With                                PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Unusual Surgical                                                  $167                    payment
Surgical Removal of Residual Tooth Roots (cutting                                PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
procedure)                                                         $55                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Tooth Reimplantation                                               $97                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Tooth Transplantation                                             $595                    payment
Surgical Exposure of Impacted or Unerupted Tooth for                             PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
orthodontic reasons                                               $162                    payment
Surgical Exposure of Impacted or Unerupted Tooth to aid                          PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
eruption                                                          $125                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Surgical Repositioning of Teeth                                   $106                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Alveoloplasty In Conjunction w/Extractions - Per Quadrant          $51                    payment
Alveoloplasty not in Conjunction w/Extractions - Per                             PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Quadrant                                                           $70                    payment
Removal of Odontogenic Cyst or Tumor - Lesion Diameter                           PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
up to 1.25 Cm                                                     $102                    payment
Removal of Odontogenic Cyst or Tumor - Lesion Diameter                           PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
greater than 1.25 Cm                                              $160                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Incision and Drainage of Abscess - Intraoral Soft Tissue           $34                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Incision and Drainage of Abscess - Extraoral Soft Tissue           $36                    payment
Frenulectomy (Frenectomy or Frenotomy) - separate                                PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
procedure                                                         $116                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Excision of Hyperplastic Tissue - per arch                         $54                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Excision of Pericoronal Gingiva                                    $34                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Synthetic Graft - Mandible or Facial Bones, by report              $95                    payment
Palliative (emergency) Treatment of dental pain - Minor                          PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Procedure                                                          $18                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
General Anesthesia - first 30 minutes                              $78                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
General Anesthesia - each additional 15 minutes                    $27                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Analgesia (anxiolysis, inhalation of nitrous oxide)                $10                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Consultation                                                       $22                    payment
Office Visit for Observation (during regularly scheduled                         PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
hours) - no other service performed                                $15                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Office Visit - after regularly scheduled hours                     $27                    payment
Treatment of Complications (post-Surgical) - Unusual                             PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Circumstances, by report                                           $10                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Occlusal Guard, by report                                         $196                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Occlusal Adjustment - Limited                                      $21                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
Occlusal Adjustment - Complete                                    $182                    payment
                                                                                 PPO discounted rate less   Plan
                                                                                                                   Full retail price less Plan payment
                                                                                          payment




                                                                                                                                           92
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

General Exclusions under the Dental Assistance Plan

It’s important for you to know that this Plan may not cover all the care you may want. Some
services and supplies are not covered and some have limited benefits.
Care Not Acceptable. Any service or supply which is determined not to be an acceptable
service.
Care Not Listed. Benefits for a charge incurred for a service not listed as covered in the
Schedule of Dental Services. But, for a specific condition, if the schedule includes one or more
services which, under standards of good dental practice, are separately suitable for the dental
care of that condition, the charge will be considered to be based on, as determined by the Plan
Administrator, the least expensive professionally acceptable service suitable for that condition.
Congenital or Developmental Malformation. Services to correct a congenital or
developmental malformation including, but not limited to, cleft palate, maxillary and mandibular
(upper and lower jaw) malformations, enamel hypoplasia (lack of development), fluorosis
(discoloration of the teeth), and anodontia (congenitally missing teeth).
Cosmetic Dentistry. Any services done strictly to improve your appearance. This does not
apply to services you need:
   •   To correct a functional disorder.
   •   As a result of an accidental injury that occurred while you were covered for dental
       benefits under this plan.
Denture Repairs, Adjustments or Relines. Repairs, adjustments or relines of full or partial
dentures or other prosthesis, placed while you were covered under this plan and for which this
plan paid benefits, are not covered. This does not apply after a period of six months as elapsed
from the date they were first placed.
Excess Amounts. Any amounts for services in excess of covered dental expense. Any expenses
for services after the Dental Benefit Maximums are reached.
Experimental or Investigative. Any experimental or investigative procedure.
Fluoride applications. More than one fluoride application per calendar year up to the age of 18.
Government Treatment. Any services given by, or paid for by, a local, state or federal
government agency, except when this plan’s benefits must be provided by law. This includes
Medicare and any foreign government agency.
Hospital Charges. Hospital costs and any additional charges by the dentist for hospital
treatment.
Implants. Implants (materials implanted into or on bone or soft tissue), or the removal of
implants. However, if implants are provided in connection with a covered prosthetic appliance,
the Plan Administrator will allow the cost of a standard complete or partial denture, or a bridge,
toward the cost of the implants and the prosthetic appliances.




                                                                                                      93
2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Lost or Stolen Dentures or Appliances. Replacement of existing full or partial dentures or
prosthetic appliances which have been lost or stolen if replaced within five years of the original
placement.
Malignancies and Neoplasms. Services for treatment of malignancies and neoplasms.
Missing Tooth or Teeth. A charge for a partial or complete removable denture, removable
bridge or fixed bridgework, including crowns and inlays used as abutments for them, if it
includes replacement of one or more natural teeth missing before the person became an insured
person under this plan or the prior plan.
Oral Hygiene. Instruction in oral hygiene.
Periodontal Scaling and Root Planing. Periodontal scaling and root planing in excess of once
per quadrant per 24 months. Polishing of all teeth is considered part of this treatment.
Personalization. Personalization of dentures or teeth.
Prescription Drugs and Medications. Any prescribed drugs, pre-medication or analgesia.
Professionally Acceptable Treatment. If the Plan Administrator determine that more than one
treatment plan would be considered an acceptable service for a dental condition, any amount
exceeding the cost of the least expensive professionally acceptable treatment plan is not covered.
Prophylaxis. Prophylaxis treatments exceeding two treatments per insured person in a calendar
year.
Prosthetics (patients under sixteen years old). Fixed bridges, removable cast partials, cast
crowns, with or without veneers, and inlays for patients under sixteen years old.
Replacements. Replacement of prosthetic devices, dentures, bridges, or crowns for which
benefits were paid by the Plan Administrator or an affiliated company. This does not apply if
replacement occurs more than five years from the date of the original placement.
Result of War. Dental problems caused as a result of war, whether declared or undeclared, or
from exposure to nuclear energy, whether or not the result of war.
Sealants. Sealants are limited to children under 16 years of age for permanent molars,
unrestored. Treatment is limited to once every 36 months per tooth.
Services Not Needing Payment. Services you are not required to pay for or are given to you at
no charge. Services that no charge would be made for if you didn’t have insurance.
Services of Relatives. Professional services received from a person who lives in your home or
who is related to you by blood or marriage.
Services Provided Before Coverage Starts or After it Ends. Services you got before you were
on the plan or after your coverage ended. Services you got during an inpatient hospital stay that
began before you were on the plan.
Treatment by an Unlicensed Dentist. Services not provided by a licensed dentist or physician,
except scaling and cleaning of teeth performed by a licensed dental hygienist under a dentist’s
supervision.




                                                                                                      94
2008 Summary Plan Description                                FedEx Kinko's Office and Print Services, Inc.

Transfer of Care. If you change dentists during the course of treatment, the plan will only pay
the amount that would have been paid if one dentist had provided the services. If more than one
dentist provides services for one dental procedure, the plan will only pay the amount that would
have been paid if one dentist had provided the services.
Unfavorable Prognosis. Services or treatment which does not have a reasonably favorable
prognosis.
Vertical Dimension and Attrition. Procedures requiring appliances or restorations (other than
those for replacement of structure lost due to dental decay) that are necessary to alter, restore or
maintain occlusion. These include but are not limited to:
   •   Changing the vertical dimension
   •   Replacing or stabilizing tooth structure lost by attrition, abrasion, or erosion
   •   Realignment of teeth
   •   Gnathological recording
   •   Occlusal equilibration
   •   Periodontal splinting
Work-Related. Care for health and dental problems that are work-related if such problems are
covered by workers’ compensation, an employer’s liability law, or a similar law. This applies
even if you did not claim those benefits.
X-rays. More than one set of full-mouth X-rays or its equivalent in a three-year period.
Orthodontic Care Not Covered by the Dental Assistance Plan
Myofunctional Therapy. Myofunctional therapy and related services. (Myofunctional therapy
involves the use of muscle exercises as an adjunct to orthodontic mechanical correction of
malocclusion.)
Orthodontic Services Provided Before or After the Term of Your Coverage. Orthodontic
treatment begun prior to your effective date or after the termination of your coverage.
Orthodontic Records. Orthodontic records including, but not limited to, cephalometric tracing,
photographs, study models and diagnostic radiographs.
Surgical Procedures Incidental to Orthodontic Treatment. Surgical procedures incidental to
orthodontic treatment. This includes, but, not limited to:
   •   Extraction of teeth solely for orthodontic reasons.
   •   Exposure of impacted teeth.
   •   Correction of micrognathia or macrognathia.
   •   Repair of cleft palate.




                                                                                                       95
2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

Vision Plan
The following schedule highlights the Vision Plan benefits and exclusions provided through
Vision Service Plan (VSP). Vision benefits will be based on negotiated rates and fee structures
of VSP for medically necessary services and supplies.

               !!      Team member enrollment is required before eligible
                       dependents can be covered.

Covered Expenses

The following expenses are covered under the Plan to the extent described in the Schedule of
Benefits:

       •   Emergency vision care;

       •   Vision examinations once every 12 months;

       •   Corrective lenses;

       •   Frames;

       •   Contact lenses;

       •   Low vision services including:

           -- Supplementary testing;

           -- Low vision therapy as medically necessary or appropriate.

Copays under the Vision Plan

You will be required to pay the copays described in the Vision Schedule of Benefits in order to
receive benefits under the Vision Plan.

Benefit Percentage under the Vision Plan

The Plan will pay the percentage of covered expenses incurred in accordance with the Vision
Schedule of Benefits.

               !!      The Schedule of Benefits does not guarantee full payment
                       for out-of-network (Non-VSP Provider) services. VSP
                       cannot guarantee patient satisfaction when services are
                       obtained from an out-of-network provider.




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How to Use the Vision Plan

         •    Locate a nearby Vision Service Plan (VSP) provider by calling the VSP Customer
              Service Department or visit the VSP Web site.

         •    Call the VSP provider and first identify yourself as a VSP member. You will also
              need to provide the Social Security Number of the FedEx Kinko’s team member
              (even if services will be for your enrolled dependents). Then schedule an
              appointment.

Arrive at your appointment time; you will be expected to pay for any copayments at that time. If
you are receiving services from an out-of-network provider, you will need to send to VSP your
itemized receipts along with your name, address, the FedEx Kinko’s team member's Social
Security Number, and your relationship to the team member.

Schedule of Benefits for the Vision Plan

             PLAN BENEFITS                        VSP PROVIDER               NON-VSP PROVIDER
                                                    BENEFIT                      BENEFIT

Eye Examination                               Covered in Full after $10      Up to $40
                                              Copay
-    Complete initial vision analysis which
     includes an appropriate examination of
     visual functions, including the
     prescription of corrective eyewear
     where indicated.

-    Subsequent regular eye examinations
     every 12 months.

Lenses - Available every 12 months

         Single Vision                        Covered in Full                Up to $ 40

         Bifocal                              Covered in Full                Up to $ 60

         Trifocal                             Covered in Full                Up to $ 80

         Lenticular                           Covered in Full                Up to $ 125

Frames – Available once every 24              Covered up to Plan             Up to $ 45
months                                        allowance


Lenses and frames include such professional services as are necessary, which will include:

1.       Prescribing and ordering proper lenses;

2.       Assisting in the selection of frames;




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3.     Verifying the accuracy of finished lenses;

4.     Proper fitting and adjustment of frames;

5.     Subsequent adjustments to frames to maintain comfort and efficiency;

6.     Progress or follow-up work as necessary.


Additional Discount

You or your enrolled dependents will be entitled to receive VSP discounts toward the purchase
of additional pairs of prescription glasses (lenses, lens options, and frames). Additionally, there
is a discount on the VSP Provider's professional fees for contact lenses. Contact lens materials
are provided at the VSP Provider's Usual, Customary and Reasonable (UCR) charges.
Discounts are applied to the VSP Provider's UCR fees for such services and are available within
12 months of the covered eye examination from the VSP Provider who provided the covered eye
examination.


Contact Lenses

Contact lenses are available once every 12 months in lieu of all other lens and frame benefits.
When contact lenses are obtained, benefits for lenses or frames will not be available again for 12
months.


Medically Necessary

When medically necessary contact lenses are obtained from a VSP Provider, they will be
covered in full with prior authorization from the Claims Administrator. When medically
necessary contact lenses are obtained from a Non-VSP Provider, the Plan will provide an
allowance toward the cost as outlined below. Coverage for medically necessary contact lenses,
regardless of whether they are obtained from a VSP Provider or Non-VSP Provider, are subject
to review and authorization from the Plan's optometric consultants.




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        PLAN BENEFITS                      VSP PROVIDER BENEFIT                      NON-VSP PROVIDER
                                                                                         BENEFIT

Medically Necessary                    Professional Fees and Materials         Professional Fees and Materials
                                       – Covered in Full*                      – Up to $210.00*

Elective - Contact lenses for other    Professional Fees** and                 Professional Fees and Materials
than medically necessary               Materials - Covered up to Plan          - Up to $120.00
circumstances                          Allowance for Basic Lenses


 *   Subject to Copay
**   Additional discount applies to VSP Provider's UCR fees for contact lens evaluation and fitting


Copay for Medically Necessary Contact Lenses

The benefits described herein are available from any participating VSP Provider at no cost. The
proper procedures must be followed and benefit authorization must be obtained. A copay
amount of ten dollars ($10.00) must be paid to the VSP Provider at the time services are
rendered.

Low Vision Benefit

The low vision benefit is available to those individuals who have severe visual problems that are not
correctable with regular lenses and is subject to prior approval by the Plan consultants.

Copay for Low Vision Benefit

The Plan pays 75% of the authorized benefits and your co-payment is the remaining 25%.

          PLAN BENEFITS                       VSP PROVIDER BENEFIT                   NON-VSP PROVIDER
                                                                                         BENEFIT

Supplementary Testing                        Covered in full                     *

Complete low vision analysis and
diagnosis which includes a
comprehensive examination of visual
functions, including the prescription of
corrective eyewear or vision aids
where indicated.
Supplement Care                              75% of cost                         *

Subsequent low vision therapy as
medically necessary or appropriate.




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*     Non-VSP Provider Benefit: Low vision benefits secured from a Non-VSP Provider are subject to the same
      time limits and copay arrangements as described above for a VSP Provider. You should pay the Non-VSP
      Provider the full fee and you will then be reimbursed in accordance with an amount not to exceed what the Plan
      would pay a VSP Provider in similar circumstances.

Benefit Maximum

The maximum benefit available is $1,000 (excluding co-payment) every two years.

                   !!       There is no assurance that this amount will be within the
                            25% copay feature.

Exclusion and Limitations of Benefits

Patient Options

This policy is designed to cover visual needs rather than cosmetic materials. When any of the
following extras are selected, the Plan will pay the basic cost of the allowed lenses, and you will
pay the additional costs for the options:

1.        Blended lenses.

2.        Contact lenses (except as noted elsewhere herein).

3.        Oversize lenses.

4.        Photochromic lenses; tinted lenses except Pink #1 and Pink #2.

5.        Progressive multifocal lenses.

6.        The coating of the lens or lenses.

7.        The laminating of the lens or lenses.

8.        A frame that costs more than the Plan allowance.

9.        Certain limitations on low vision care.

10.       Cosmetic lenses.

11.       Optional cosmetic processes.

12.       UV (ultraviolet) protected lenses.


Authorization of Vision Care Services

Benefits authorization must be received by the VSP Provider prior to providing services.
Expenses incurred without benefit authorization will result in benefits being paid at Non-VSP
Provider rates.




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General Exclusions under the Vision Plan

The following are excluded from this Plan:

       •   Any charges not specifically named herein as covered expenses;

       •   Charges for services or supplies which are furnished, paid for or otherwise provided
           for by reason of the past or present services of any person in the Armed Forces of a
           government;

       •   Conditions caused by the release of nuclear energy or waste;

       •   Any condition, disability, or expense resulting from or sustained as a result of being
           engaged in an illegal occupation, commission of or attempted commission of a felony
           or other illegal act;

       •   Any condition, disability, or expense resulting from or sustained as a result of
           participation in civil insurrection or a riot;

       •   A condition which occurs in an act of war;

       •   Charges for care or treatment provided or furnished by a governmental agency of any
           country, unless you are legally required to pay without regard to the existence of
           coverage;

       •   Charges that would not have been made if no coverage existed or charges that you are
           not required to pay;

       •   Charges incurred for services rendered to you or your enrolled dependents by you,
           your enrolled dependents, or by an individual related to or ordinarily residing in the
           same household as you or your enrolled dependents;

       •   Work-related conditions if benefits are recovered or can be recovered, either by
           adjudication, settlement or otherwise, under any Workers' Compensation, Employer's
           Liability Law, or Occupational Disease Law, even if you do not claim those benefits;

       •   A condition suffered while working under an employment relationship for pay or
           profit;

       •   Experimental services, procedures or other treatment such as, but not limited to, laser
           surgery, RK, and PRK surgery;

       •   The amount for blended lenses that exceeds the Plan benefit allowance for basic
           lenses;

       •   The amount for contact lenses that exceeds the Plan benefit allowance for basic
           lenses;




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       •   The amount for photochromic lenses, tinted lenses (except Pink #1 and Pink #2) and
           progressive multi-focal lenses, and oversized lenses, that exceeds the Plan benefit
           allowance for basic lenses;

       •   The amount for the coating or laminating of lenses that exceeds the Plan benefit
           allowance for basic lenses;

       •   Frames that exceed the Plan limit set forth in the Vision Schedule of Benefits;

       •   Services for low vision care that exceed the Plan limit set forth in the Vision Schedule
           of Benefits;

       •   The amount for cosmetic lenses or optional cosmetic processes that exceeds the Plan
           benefit allowance for basic lenses;

       •   The amount for ultra violet protected lenses that exceeds the Plan benefit allowance
           for basic lenses;

       •   Orthoptics or vision training and any associated supplemental testing;

       •   Plano lenses (less than a +38 diopter power);

       •   Two pair of glasses in lieu of bifocals unless visually necessary or appropriate;

       •   Replacement of lenses and frames furnished under this Plan which are lost, stolen or
           broken, except at normal intervals when services are otherwise available;

       •   Medical or surgical treatment of the eyes;

       •   Any eye examination, or any corrective eyewear, required by an employer as a
           condition of employment;

       •   Charges in excess of Usual, Customary and Reasonable Charges (UCR), as
           determined by the Plan Administrator;

       •   Services received or supplies purchased outside the United States or Canada, unless
           you or your enrolled dependent are a resident of the United States or Canada and the
           charges are incurred while traveling on business or pleasure;

       •   Charges for services or supplies which were actually incurred more than 180 days
           prior to the date the charges were submitted to the Plan for payment, except in the
           event submission of a claim was not reasonably possible during such six months as
           determined by the Claims Administrator. In no event, in the absence of legal
           incapacity, will claims be accepted by the Claims Administrator later than 12 months
           past the required submission deadline;

       •   Services or expenses incurred prior to the date your coverage is in force or after the
           date your coverage terminates under the Plan for you or your enrolled dependents;




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         •    Charges incurred due to complications relating to or arising from vision care services
              or supplies which are not covered expenses; and

         •    Intentionally self-inflicted injury, subject to the provisions of the Plan document.
The Plan may, at its discretion, waive any of the limitations set forth herein if, in the opinion of the Plan's
optometric consultants, it is necessary for the visual welfare of the covered person.




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Flexible Benefits Plan
The FedEx Kinko’s Flexible Benefits Plan lets you pay for medical, dental, and vision plan
premiums on a pre-tax basis, and also allows you to pay for two additional types of expenses on
a pre-tax basis. That means premium dollars are withheld before you pay income taxes on them.
This allows you to reduce your taxable income - both Federal and state - which lowers your tax
liability.

               !!      According to IRS regulations, domestic partners and their
                       dependent children are not eligible for pre-tax contributions
                       under the Flexible Benefits Plan.

There are two Flexible Spending Accounts that qualify under FedEx Kinko’s Flexible Benefits
Plan. The Flexible Spending Accounts are administered by UniAccount, a division of Anthem
Blue Cross. The two accounts are:

1. The Health Care Reimbursement Account (HCRA) allows you to pay for certain health-
   related expenses, such as deductibles, co-payments, and other expenses not covered by your
   health care plans.

2. The Dependent Care Assistance Program (DCAP) lets you pay for eligible dependent care
   expenses if you have to pay someone to care for your dependents so you can work.

Flexible Spending Accounts Enrollment

New Hires

You must enroll in the Plan before your benefits effective date. If you do not enroll by your
effective date, you waive participation for the Plan Year unless you have a qualifying event.

Annual Open Enrollment

You must enroll for the upcoming Plan Year during the Annual Open Enrollment period. If you
do not enroll by the Annual Open Enrollment deadline, you waive participation for the Plan Year
unless you have a qualifying event.

               !!      Your election remains fixed for the entire year. During the
                       year, you cannot enroll, stop your contributions, or change
                       the amount of your payroll deduction unless you have a
                       qualifying event.

Flexible Spending Accounts Contribution Limits

In general, you can contribute from a minimum of $100 to a maximum of $5,000 for out-of-
pocket medical expenses and from a minimum of $100 to a maximum of $5,000 for child/elder
care each Calendar Year. These pre-tax contributions are deducted from each paycheck,




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deposited in a separate account, and held in your name. Participation in either of these accounts
will result in lower FICA taxes and slightly reduced career average earnings for Social Security
purposes. Your Social Security benefits may be affected because of this reduction. You should
consult your accountant or other financial advisor for advice regarding your participation in these
plans.

With respect to dependent care expenses, usually the IRS tax credit allows you to be reimbursed
a percentage, depending on your adjusted gross income, for up to $3,000 of eligible expenses for
one dependent, or $6,000 for two or more dependents, in any one Calendar Year. In some
instances, you will save more money by using the DCAP rather than the tax credit. Before you
enroll in the program, you should determine which method will save you more money. As
always, you should consult an accountant or other financial advisor.

Generally if you are in one of the lower income tax brackets, you might come out ahead by not
participating in the DCAP and by claiming the Dependent Care Credit instead. On the other
hand, generally the more income taxes you are required to pay, the better it would be tax-wise to
participate in the DCAP. The actual determination of the preferable method for treating
Dependent Care payments depends on a number of factors such as a person’s tax filing status
(e.g., married, single, head of household), the number of dependents, etc. Therefore you will
have to review your situation in order to decide whether the Dependent Care Credit or DCAP is
better for you. Use IRS form 2441 (Child and Dependent Care Expenses) to help you make this
determination. Again, you may also wish to consult an accountant or other financial advisor.

The following is an example of what a married team member with one dependent would save by
having pre-tax contributions of $100/month to a Flexible Spending Account for either out-of-
pocket health expenses and/or for child/elder care. This example illustrates a monthly savings of
$25, which equals an annual savings of $300.




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                !!        Calculations have been rounded to the nearest dollar. This example
                          reflects California State Income and Disability Taxes. Your actual
                          savings may vary and will depend on your individual tax situation.

                                                    Without          With Flex
                                                   Flex Plan*         Plan*
            Gross Salary (Monthly)                     $2,000           $2,000
            Less Contribution to Flex Plan                    0            100
            TAXABLE INCOME LESS:                          2,000          1,900
            Federal Taxes                                   183            168
            State Taxes                                      20              18
            State Disability                                 18              17
            Social Security                                 124            118
            Medicare                                         29              28
            Less Non-reimbursable Out-of-                   100               0
            pocket Expenses
            Spendable Income                            $1,526          $1,551
            Monthly Savings                                    $25
            Annual Savings                                    $300


How the Flexible Spending Accounts Work

Eligible Dependents (please note that dependent eligibility for this Plan is different than that for
the other FedEx Kinko’s plans)

1.     Eligible dependents for the HCRA are the following individuals whom you claim as a
       federal tax exemption:

       •   A dependent child, spouse or person who lives with you as a member of your
           household.

       •   A spouse or dependent who is mentally or physically incapable of caring for himself
           or herself.

                !!        If you are divorced or separated, support arrangements and
                          custody factors determine whether your children are
                          dependents for purposes of this program.

2.     Eligible dependents for the DCAP are the following individuals whom you claim as a
       federal tax exemption:

       •   Dependent children under age 13.




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       •   A spouse or dependent who is mentally or physically incapable of caring for himself
           or herself.

               !!      If you are divorced or separated, support arrangements and
                       custody factors determine whether your children are
                       dependents for purposes of this program.

Eligible Expenses

Reimbursable health care expenses under the HCRA include charges for:

       •   Acupuncture

       •   Birth control pills

       •   Birth prevention surgery

       •   Braces

       •   Chiropractors

       •   Coinsurance and co-payments

       •   Deductibles

       •   Dental expenses

       •   Hearing devices and batteries

       •   Home health care

       •   Insulin

       •   Orthodontia

       •   Orthopedic shoes

       •   Prescription medications

       •   Over-the-counter medicines to alleviate or treat injury or sickness

       •   Psychiatric and psychological care expenses

       •   Reasonable and customary charges

       •   Smoking cessation programs

       •   Sterilization fees




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       •   Vision expenses

       •   Wheelchairs and approved durable medical equipment

Expenses not eligible for reimbursement under the account include the cost of cosmetic surgery,
funeral expenses, health club dues, premiums for private insurance policies, vitamins and dietary
supplements to maintain general health, and items for which you are reimbursed under a FedEx
Kinko’s health plan or otherwise. If you have a question about what is covered, contact
UniAccount or refer to IRS Publication 502 for a complete list of covered expenses.

Reimbursable dependent care expenses under the DCAP include charges for:

       •   Nursery schools, pre-school tuition, day care centers, and summer day camp. If the
           school or center serves seven or more children, it must be licensed and comply with
           state and/or local laws.

       •   Adult care centers. If the center serves seven or more adults, it must be licensed and
           comply with state and/or local laws.

       •   Individuals providing day care (not residential care) for dependent adults who spend
           at least eight hours each day in your household.

       •   Individuals who provide care for your eligible dependent either in or outside your
           home. These individuals may not include those for whom you claim an exemption
           for federal income tax purposes or children up to age 18.

               !!      Services provided outside your household are reimbursable
                       only for dependent children under age 13, or other eligible
                       dependents who regularly spend at least 8 hours each day in
                       your household.

Expenses not eligible for reimbursement under the account include the cost of full-time care in a
custodial nursing home, food or schooling expenses (unless an incidental part of the total cost of
day care) and private schools costs for a child in kindergarten or above. Expenses for programs
such as overnight summer camp also are ineligible for reimbursement.

Flexible Spending Accounts Reimbursement Limits

You may claim reimbursement from your HCRA up to your annual election amount - even if you
have not yet contributed the full amount to your account. For example, you contribute $50 a
month to your account for January through March. In April, you have to pay $400 for
unexpected surgery, but you only have $150 in your account. You can claim the whole $400
immediately before contributing the extra $250.

               !!      In any event, under no circumstances will the amount of
                       reimbursement at any time exceed your annual election




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                       amount, reduced, however, by the amount of prior
                       reimbursement received during the year.

               !!      For purposes of HCRA reimbursements, an expense is
                       considered to be “incurred” (i.e., eligible for
                       reimbursement) when the medical services are delivered,
                       not when the expense is billed or paid.

You may be reimbursed for up to $5,000 of eligible DCAP expenses in any Plan Year. If you
are married, the tax law imposes several additional limits. You may not be reimbursed for any
amount over the lowest limit that applies to your situation. The additional limits for married
individuals are:

       •   Both you and your spouse must earn income, unless your spouse is disabled or a full-
           time student. The amount of expenses that qualify for reimbursement is limited to the
           income earned by the spouse with the lower earnings.

       •   If your spouse's employer also has a dependent care assistance plan, there is a limit of
           $5,000 on the total amount of tax-free dependent care assistance that you, as a couple,
           can receive in any year from all employer-sponsored plans. This limit is not affected
           by the number of eligible dependents you have.

       •   If you and your spouse file separate tax returns, each of you individually has a limit
           of $2,500 in any year.

Remember, these are just guidelines. Individual tax situations differ. Be sure to carefully review
your reimbursement limit with your accountant or other financial advisor.

               !!      In any event, under no circumstances will the amount of
                       reimbursement at any time exceed the aggregate amount of
                       salary reduction that has previously been made during the
                       year.

"Use It or Lose It"

According to the IRS, you must use any amounts contributed to this Plan to pay for eligible
health care or dependent care expenses incurred during the current Plan Year. Any unused
money remaining in these accounts at year-end is forfeited back to the Plan.

               !!      Therefore, you should estimate your anticipated expenses
                       very carefully and contribute only what you expect to use.

Reimbursement Procedures

You may begin receiving tax-free reimbursement checks from your account(s) as soon as you
have incurred eligible health care and/or dependent care expenses. Under the HCRA, you may
request up to the full amount you have designated to contribute at any time during the Plan Year.




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Under the DCAP, you will not be reimbursed for more funds than you have contributed to your
account. Under HCRA, reimbursements for medical and dental plan participants will be
automatically distributed as expenses are incurred (subject to a $10 minimum). For non-medical
plan participants and DCAP participants, you are required to submit a completed Flexible
Spending Accounts Claim form for your eligible expenses. Submit this form to UniAccount,
along with supporting documentation, as described below:

1. Reimbursement under the HCRA requires that you attach a health plan Explanation of
   Benefits (EOB) or detailed receipts. This requirement is waived for participants in the
   medical and dental plan as Anthem Blue Cross will automatically transmit an EOB to
   UniAccount on your behalf.

               !!      A canceled check is not considered acceptable evidence.

2. Reimbursement under the DCAP requires that the correct name, address, and Taxpayer
   Identification Number (TIN) of your dependent care provider must be included with each
   Flexible Spending Accounts Claim form submitted. A TIN is a Federal Identification
   Number for an organization or a Social Security Number for an individual. You must also
   report this information to the IRS when you file your Federal income tax return. Failure to
   do so may result in the taxation of your reimbursements.

               !!      If a TIN is not included on your Flexible Spending
                       Accounts Claim form, reimbursement will not be made.

You may submit Flexible Spending Accounts Claim forms for eligible expenses incurred during
one Plan Year until March 31 of the following year. Remember, any unreimbursed funds
remaining in your account are forfeited. You will receive quarterly statements that detail the
activity in your account. You will also receive an annual statement of your account by January
31 of each year. It will reflect account activity through December 31 of the preceding year.

Termination of Coverage

Participation ends on the earliest of the following dates:

       •   You become ineligible.

       •   Your employment ends.

       •   The Plan terminates.

       •   The date you elect to cease participation due to a qualifying event or Annual Open
           Enrollment.

If you are on a paid leave of absence, you will continue to be enrolled and your payroll
deductions will continue. If you are on an unpaid leave of absence, your payroll deductions will
stop until you return to active status and are receiving regular paychecks. The amount remaining
to be contributed will be recalculated over the pay periods remaining for the year. Under HCRA,




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while on leave, your account becomes inactive. You may continue to submit reimbursement
requests up to the annual amount you have designated to set aside in your account only for
expenses incurred on or before your leave of absence effective date. Upon return from leave of
absence, your account will be re-activated and you may submit expenses incurred during your
leave of absence. Under the DCAP, while on leave, you may continue to submit reimbursement
requests up to the amount you have in your account.

If you terminate your employment during the year for any reason, your payroll deductions will
stop with your final paycheck. If there is any money left in your account when you leave, you
can only request a reimbursement for eligible expenses you incurred while an active full-time
participant (Example: if you terminate employment your participation ends on your last day
worked).

               !!      Under HCRA, in the event of a COBRA qualifying event, you have
                       the right to continue current participation on an after-tax basis until
                       the end of the Calendar Year. Refer to the “Legal Notifications”
                       section for additional information regarding COBRA procedures.




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Disability Insurance Plans
The Disability Insurance Plans are designed to provide income protection if you are unable to
work because of an illness, injury, or pregnancy. Short-term disability payments help you
replace income lost for up to 12 weeks if you are disabled. However, should your disability
continue for an extended period, long-term disability payments can provide additional income
security. FedEx Kinko’s pays the entire premium for these coverages. These coverages are
provided through a group contract with Aetna Disability Insurance Company. It is important to
note that if you are not working an average of at least 32 hours per week, your claim will be
denied.

               !!      An approved leave of absence does not guarantee benefits
                       from these Plans nor does every disability guarantee
                       benefits under FMLA.

You will need to call the Aetna toll-free number at 1. 866.240.4385 (Monday–Friday, 7 a.m. to 7
p.m. Central Time) to file your claim within 90 days of disability. Your claim will be taken
telephonically by a claims examiner. In addition, you can go on-line to
https://www.wkabsystem.com, 24 hours a day, 7 days a week to file your claim. (website
identifier is fedexkinkos)

When you call, you will be asked to provide:

       •   Name and Social Security number

       •   Complete address and phone number

       •   Date of birth

       •   Occupation (or job title)

       •   General Work duties

       •   Manager or Immediate Supervisor’s name and phone number

       •   Physician’s name, address, phone number, and fax number

       •   Brief description of your medical condition or injury

       •   Cause of your medical condition or injury (and whether it’s work-related)

       •   Dates of your first visit, your most recent visit, and your next scheduled visit

       •   Last day worked and first day absent from work due to this condition

       •   Expected date of return to work or date already returned to work




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In addition, you must complete an Authorization to Release Information form, sign, date, and
return the form to the Disability Insurance Carrier. A signed copy of this form is required for
processing your claim. This form will authorize your physician to release your medical records
to the Disability Insurance Carrier. The Disability Insurance Carrier must be able to obtain
medical information about your claim in order to process any benefit for which you may be
eligible. Please keep a copy for yourself, and submit a copy to your attending physician.

By following these simple steps, you are assured of getting the most from your disability
benefits. Timely notification of a claim helps ensure prompt claim service. At the same time, it
alerts the Disability Insurance Carrier’s rehabilitation specialists so they are prepared to offer
their services early on, if needed.

Additionally, you may be required to provide proof of your claim. You may need to confirm:

       •   That you are under the regular care of a doctor (and provide proof of continuing
           disability within 30 days of any request);

       •   Your monthly earnings by providing appropriate documentation;

       •   The date your disability began;

       •   The cause of your disability;

       •   The extent of your disability, including restrictions and limitations; and

       •   Names and addresses of any hospital or institution where you received treatment,
           including all attending doctors.

Short-term Disability Insurance Benefits
How the Plan Works

You are automatically enrolled in short-term disability provided you meet the regular, full-time
eligibility qualifications and are averaging at least 32 hours per week at the time of your
disability. You must be disabled and have satisfied the waiting period.

Definition of Disability

Disabled means you:

       •   Are limited from performing the material and substantial duties of your regular
           occupation due to your sickness or injury, and

       •   Have a 20% or more loss in weekly earnings due to the same sickness or injury.

Your regular occupation is the occupation you routinely performed when your disability began.




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Waiting Period

       •   The waiting period is the period of consecutive days you must be disabled before
           benefits are payable. Benefits are not payable during the waiting period. There is a 7
           day waiting period for all disabilities.

Weekly Benefit

Your weekly benefit is 60% of your weekly earnings, to a maximum of $1,000. The minimum
benefit is $50 per week. After the waiting period, if you are disabled for less than one week, you
will receive 1/7th of your payment for each day of disability.

Weekly earnings means:

Your average gross weekly income as figured from the income box on your W-2 form that
reflects wages and other compensation received from FedEx Kinko’s for the full calendar year
just prior to the date of your disability. If you did not receive a W-2 form from FedEx Kinko’s
prior to the date of your disability, or if the prior year’s W-2 is for less than a full calendar year,
“weekly earnings” means your gross weekly income from FedEx Kinko’s averaged for the lesser
of:

       •   The most recent 52-week period of your employment with FedEx Kinko’s just prior
           to the date of your disability; or

       •   The period of actual employment with FedEx Kinko’s.

Average gross weekly income is your total income before taxes. It is prior to any deductions
made for pre-tax contributions to a qualified deferred compensation plan, Section 125 Plan, or
Flexible Spending Account. It includes income actually received from commissions and
bonuses, but does not include renewal commissions, overtime pay, or any other extra
compensation or income received from sources other than FedEx Kinko’s. Bonuses and
commissions will be averaged for the lesser of:

       •   The most recent 12-month period of your employment with FedEx Kinko’s just prior
           to the date of your disability; or

       •   The period of actual employment with FedEx Kinko’s.

Full calendar year means twelve months of uninterrupted active service with FedEx Kinko’s
from January 1 through December 31.




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               !!      Benefits under this Plan may be reduced by disability or
                       retirement benefits paid or payable by FedEx Kinko’s
                       Workers' Compensation plan, other group insurance plans,
                       government plans, Social Security (including dependents),
                       judgment or settlement, and by earnings from any work you
                       do.

Benefit Limits

Benefits are payable weekly for up to 12 weeks as long as you remain disabled. If you are able
to return to work on a part-time basis but refuse to do so, your benefits will end.

Recurrent Disability

If your current disability is related to or due to the same cause(s) as your prior disability for
which the Disability Insurance Carrier made a payment, the Disability Insurance Carrier will
treat your current disability as part of your prior claim and you will not have to satisfy another
waiting period when you are performing any occupation for FedEx Kinko’s on a full-time basis
for 14 consecutive days or less.

If your current disability is unrelated to your prior disability for which the Disability Insurance
Carrier made a payment, the Disability Insurance Carrier will treat your current disability as part
of your prior claim and you will not have to satisfy another waiting period when you are
performing any occupation for FedEx Kinko’s on a full-time basis for less than one full day.

A recurrent disability will be subject to the same terms of the plan as your prior claim. If a
recurrent disability does not meet the criteria as set above, your disability will be treated as a new
claim and will be subject to all plan provisions accordingly.

Exclusions

Benefits are not payable if your disability results from war or act of war, intentionally self-
inflicted injuries, active participation in a riot, loss of a professional or occupational license or
certification, attempting to commit or commission of a crime for which you have been convicted,
or while incarcerated.

Termination of Coverage

Your coverage will end on the earliest of:

       •   The date the policy ends or the plan is cancelled,

       •   The date you become ineligible,

       •   The date you are no longer disabled,




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2008 Summary Plan Description                                FedEx Kinko's Office and Print Services, Inc.

       •   The date your eligible group is no longer covered,

       •   The last day you actually work (except as provided under a leave of absence
           provision), or

       •   Your death.



Long-term Disability Insurance Benefits
How the Plan Works

You are automatically enrolled in long term disability insurance provided you meet the regular,
full-time eligibility qualifications and are averaging at least 32 hours per week at the time of your
disability. You must be disabled and have satisfied the waiting period.

Definition of Disability

Disabled means you:

       •   Are limited from performing the material and substantial duties of your regular
           occupation due to your sickness or injury, and

       •   Have a 20% or more loss in your “indexed monthly earnings” due to the same
           sickness or injury.

Your regular occupation is the occupation you routinely performed when your disability began.
Indexed Monthly Earnings means your monthly pay adjusted on each anniversary of benefits
payments by the lesser of 10% or the current annual percentage increase in the Consumer Price
Index (CPI). Your indexed monthly earnings may increase or remain the same, but will never
decrease.

       •   After 24 months (excluding the waiting period), you will be considered disabled if the
           Disability Insurance Carrier determines that due to the same sickness or injury, you
           are unable to perform the duties of any gainful occupation for which you are
           reasonably fitted by education, training, or experience.

Pre-Existing Condition

A pre-existing condition is any disabling condition for which you:

       •   Consulted a physician, received medical treatment or care or services (including
           diagnostic measures), or took prescribed drugs or medicines, in the three months just
           prior to your effective date of coverage; or

       •   Had symptoms for which as ordinarily prudent person would have consulted a health
           care provider in the three months just prior to your effective date of coverage; and




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

       •   Become disabled in the first 12 months after your effective date of coverage.

Waiting Period

The waiting period is the earlier of 14 weeks or the end of short-term disability payments.
Benefits are not payable during the waiting period. You must be continuously disabled through
your elimination period. The Disability Insurance Carrier will consider your disability as
continuous if your disability stops for 30 days or less during the waiting period. The days that
you are not disabled will not count toward satisfying the waiting period.

Monthly Benefit

Your monthly benefit is 60% of your monthly earnings, to a maximum of $10,000. The
minimum monthly benefit is the greater of:

       •   $100; or

       •   10% of your gross disability payment.

The Disability Insurance Carrier may apply this amount toward an outstanding overpayment.
The Disability Insurance Carrier will never pay more than 100% of monthly pay, unless the
excess amount is payable as a Cost of Living Adjustment.

Monthly earnings means:

       •   Your average gross monthly income as figured from the income box on your W-2
           form that reflects wages and other compensation received from FedEx Kinko’s for the
           full calendar year just prior to the date of your disability. If you did not receive a W-
           2 form from FedEx Kinko’s prior to the date of your disability, or if the prior year’s
           W-2 is for less than a full calendar year, “monthly earnings” means your gross annual
           income from FedEx Kinko’s averaged for the lesser of:

       •   The most recent 12-month period of your employment with FedEx Kinko’s just prior
           to the date of your disability; or

       •   The period of actual employment with FedEx Kinko’s.

Average gross monthly income is your total income before taxes. It is prior to any deductions
made for pre-tax contributions to a qualified deferred compensation plan, Section 125 Plan, or
Flexible Spending Account. It includes income actually received from commissions and
bonuses, but does not include renewal commissions, overtime pay, or any other extra
compensation or income received from sources other than FedEx Kinko’s. Bonuses and
commissions will be averaged for the lesser of:

       •   The most recent 12-month period of your employment with FedEx Kinko’s just prior
           to the date of your disability; or

       •   The period of actual employment with FedEx Kinko’s.




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Full calendar year means twelve months of uninterrupted active service with FedEx Kinko’s
from January 1 through December 31.

               !!      Benefits under this Plan may be reduced by disability or
                       retirement benefits paid or payable by FedEx Kinko’s
                       Workers' Compensation plan, other group insurance plans,
                       government plans, Social Security (including dependents),
                       judgment or settlement, and by earnings from any work you
                       do.

Benefit Limits

In general, benefits will continue until either you:

       •   Cease to be totally disabled,

       •   Die, or

       •   Have reached the maximum benefit period. The maximum benefit period will be
           determined as indicated in the following schedule. This schedule is based on
           consecutive years of service where consecutive years of service is defined as
           uninterrupted years of service calculated from last hire date. For LTD maximum
           benefit period purposes, your years of service are reduced to zero and accumulation
           begins again if service is interrupted for any period of time.

Maximum Benefit Period

Years of Service Age at Disability                             Benefits Paid up to:
Less than 5 years       65 or younger                                 2 years
                              66                                  1 year, 9 months
                              67                                  1 year, 6 months
                              68                                  1 year, 3 months
                          69 or over                                   1 year
5 –14 years             61 or younger                   Age 65, or 5 years, whichever is less
                              62                                 3 years, 6 months
                              63                                      3 years
                              64                                 2 years, 6 months
                              65                                      2 years
                              66                                  1 year, 9 months
                              67                                  1 year, 6 months
                              68                                  1 year, 3 months
                          69 or over                                   1 year
15+ years               61 or younger                  Age 65, or 3 years, 6 months, if longer
                              62                                 3 years, 6 months
                              63                                      3 years
                              64                                 2 years, 6 months
                              65                                      2 years




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Years of Service Age at Disability                             Benefits Paid up to:
                             66                                 1 year, 9 months
                             67                                 1 year, 6 months
                             68                                 1 year, 3 months
                         69 or over                                   1 year

                !!      If you become disabled due to a sickness or injury which is
                        primarily based on “self-reported symptoms” or due to
                        mental illness, there is a limited pay period of up to 12
                        months, unless you are receiving treatment as an in-patient
                        at the end of the 12-month period.

Self-reported Symptoms means the manifestations of your condition which you tell your
doctor but are not verifiable using tests, procedures, or clinical examinations standard
accepted in the practice of medicine. Examples of self-reported symptoms include, but are
not limited to, headaches, pain, fatigue, stiffness, soreness, ringing in the ears, dizziness,
numbness, and loss of energy.

Recurrent Disability

The Disability Insurance Carrier will treat your disability as a recurrent disability, i.e., part of
your prior claim, and you will not have to satisfy another waiting period if:

        •   You were continuously insured under the Plan for the period between your prior
            claim and your recurrent disability; and

        •   Your recurrent disability occurs within six months of the end of your prior claim.

 A recurrent disability will be subject to the same terms of the plan as your prior claim. A
disability will be treated as a new claim if it occurs within six months from the date the prior
claim ended. The new claim will be subject to all of the policy provisions. If you become
entitled to payments under any other group long-term disability plan, you will not be eligible for
payments under this Plan.

Exclusions

Benefits are not payable if your disability results from war or act of war, or intentionally self-
inflicted injuries, active participation in a riot, loss of a professional or occupational license or
certification, attempting to commit or commission of a crime for which you have been convicted,
pre-existing condition, or while incarcerated.

                !!      No benefits will be paid if you are offered an opportunity to
                        return to limited work for which you are functionally
                        capable and you do not return to work when and as
                        scheduled.




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Survivor Benefit

This benefit provides a lump-sum payment to your eligible survivor(s) equal to three times a full
month’s net benefit for a team member for whom a monthly benefit is payable on a day prior to
death. If you have no eligible survivors, payment will be made to your estate. If there is no
estate, no payment will be made. Eligible Survivors include spouse/domestic partner and
children under 25 – dependent for income tax.



Termination of Coverage

Your coverage will end on the earliest of:

       •   The first 24 months of payments when you are able to work in your regular
           occupation on a part-time basis, but you choose not to,

       •   After 24 months of payments when you are able to work in any gainful occupation on
           a part-time basis, but you choose not to,

       •   The end of the maximum benefit period,

       •   The date the policy ends or the plan is cancelled,

       •   The date you become ineligible,

       •   The date you are no longer disabled,

       •   The date your eligible group is no longer covered,

       •   The last day you actually work (except as provided under a leave of absence
           provision), or

       •   Your death.




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Conversion Privilege (Change to an Individual Insurance Policy)

If your long-term disability insurance ends, you may be able to convert the group LTD insurance
to an individual policy provided you have been insured for at least 12 consecutive months. The
conversion policy may not provide the same coverage as that offered under this Plan. You
cannot convert your LTD insurance if:

       •   You are or become insured under another group long-term disability plan within 31
           days after your employment ends;

       •   You are disabled,

       •   You recover from a disability and do not return to work for FedEx Kinko’s,

       •   You are on a leave of absence,

       •   You are no longer eligible,

       •   The policy ends,

       •   The policy is changed to end your coverage,

       •   A required premium is not paid, or

       •   You retire from FedEx Kinko’s.

To convert, you should:

       •   Apply for coverage under the conversion policy, and

       •   Pay the first premium (including the $25 non-refundable application fee) within 31
           days after termination of coverage.

               !!      Evidence of good health may be required, depending on the
                       requested level of coverage to be converted.

Upon termination, contact the Life Insurance Carrier to receive a conversion packet mailed to
your home.




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Life Insurance Plans
The Basic and Supplemental Life Insurance Plans are designed to help protect your family's
financial security if you should die. These plans provide term life insurance through a group
contract with Aetna Life Insurance Company. These policies are a supplement to, and not in lieu
of, coverage through Workers' Compensation Insurance.

FedEx Kinko’s pays the entire premium for the Basic Life Insurance coverage. The
Supplemental Life Insurance lets you purchase additional life insurance for yourself, your
spouse/domestic partner and/or your or your spouse/domestic partner’s eligible dependents.
When you purchase the Supplemental Life Insurance, you are able to select the right amount of
life insurance coverage that fits your needs, and can pay for this extra protection simply and
conveniently through after-tax payroll deductions.

Basic Life Insurance Benefits

You are automatically enrolled in basic life insurance provided you meet the regular, full-time
eligibility qualifications. In the event of your death, benefits are payable to your designated
beneficiary on record.

Schedule of Benefits for Basic Life Insurance
Benefit Amount

Basic Life Insurance is equal to two times your base salary as of the first day of the current
month, rounded to the next higher $1,000, to a maximum of $300,000. The minimum basic life
insurance benefit payable is $50,000.

Base Salary means:

   •   If paid hourly, your Base Annual Earnings is determined by multiplying your current
       hourly rate by 2080.

   •   If paid salary, your Base Annual Earnings is determined by multiplying your current bi-
       weekly rate by 26.

   •   Your current rate is considered the rate you were being paid on the first day of the current
       month. (e.g., if your rate of pay increases on the first day of the month, your Basic Life
       Insurance benefit will increase accordingly).

               !!      Base Annual Earnings excludes incentive pay, bonuses and
                       overtime.

Full calendar year means twelve months of uninterrupted active service with FedEx Kinko’s
from January 1 through December 31.




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Imputed Income

Under IRS regulations, any employer-paid life insurance over $50,000 is taxable to a team
member as ordinary income. This amount is calculated on a pay period basis and included in
gross income under “Taxable Earnings.”

Founders Life Insurance

Founders who elected to continue group term life insurance in force at their own expense under
the terms of the Accepting Operating Memorandum dated December 12, 1996 can continue to do
so for a period of up to ten years from the effective date of the extension. Coverage is not
available to dependents and cannot be increased or decreased. Once coverage is terminated for
any reason, including nonpayment, it cannot be reinstated. Continuation of this provision is
contingent upon its acceptance by any future carrier(s).

Increases in Benefit Amount

Your earnings on the date you become covered under this Plan will determine your benefit on
that date. Any increase in your benefits will take place on the first of each month, provided you
are actively at work on that date. If you are not actively at work on that date, the change will
take place on the first of the month following your return to active work.

Reduction in Benefit Amount

The amount of your basic life insurance on and after age 70 will be determined by applying the
appropriate percentage from the following chart to the amount of benefit in effect on the day
before your 70th birthday:

                          Age                         Percentage Paid
          70 but less than 75                              50%
          75 but less than 80                              30%
          80 or older                                      20%

There will be no further increases in your amount of life insurance after age 70. Adjustments to
the monthly premium paid will be made at the start of the Plan year following the team
member’s 70th birthday.


Accelerated Benefits

If your life span is drastically limited, you are not expected to recover, and you are expected to
die within 12 months, you may be eligible for Accelerated Benefits. The amount of accelerated
benefits payable is up to 75% of your total life insurance benefit amount, not to exceed $500,000
(minimum payment of $5,000).

               !!      Accelerated benefits may be taxable. If so, you or your beneficiary
                       may incur a tax obligation. As with all tax matters, you should
                       consult your accountant or other financial advisor.




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Continued Benefits during Total Disability

If you cease to be actively at work due to total disability, your basic life insurance may continue
if you:

       •   Become totally disabled before your life insurance benefits end,

       •   Have been totally disabled for at least six months,

       •   Are less than 60 years old at the time you become totally disabled, and

       •   Continue to remain totally disabled until the date you die.



Termination of Benefits during Total Disability

The amount of death benefits payable under Total Disability will end on the date you:

       •   Are no longer totally disabled,

       •   Do not furnish proof of disability as required by the Disability Insurance Carrier, or

       •   Attain age 65.

Designation of Beneficiary

               !!      It is vital that all FedEx Kinko’s team members maintain an
                       up-to-date Designation of Beneficiary. Only electronically
                       submitted Designation of Beneficiaries will appear on
                       future personalized enrollment worksheet and confirmation
                       statements. If you would like your designation to appear
                       on future worksheets and statements, you must make an
                       electronic designation online.

You may change your beneficiary at any time either electronically via FedEx Kinko’s Benefits
Online Web site or by filing a new Designation of Beneficiary form with the FedEx Kinko’s
Benefits Service Center. The change will take effect as of the date you electronically submitted
the change or the date you signed the form. Please be aware that if a minor child is designated as
a beneficiary, the following information will be required: 1) name of custodian of the minor
beneficiary, or 2) name of court-appointed guardian of the minor's estate. If this information is
not provided when a claim is filed, the benefits will be held in a trust until the minor reaches
majority age.




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2008 Summary Plan Description                                FedEx Kinko's Office and Print Services, Inc.

Termination of Coverage

Your coverage will end on the earliest of the date:

       •   The coverage or policy ends,

       •   You become ineligible, or

       •   Your employment ends.

Conversion Privilege (Change to an Individual Insurance Policy)

You are eligible to apply for a personal life insurance policy if your coverage terminates due to
one of the reasons stated above. This policy will not contain a disability or accidental death
benefit provision. You will not be subject to proof of good health (Evidence of Insurability).

To convert this group insurance to a personal life insurance policy, an application must be filed
within 31 days of the end of coverage. Upon termination, contact the Insurance Carrier to have a
conversion packet mailed to your home. If you die within the 31-day application period, the
Insurance Carrier will pay your beneficiary(ies) the amount of insurance that could have been
converted. This coverage is available whether or not you have applied for an individual life
policy under the conversion privilege.

Supplemental Life Insurance Benefits
You may enroll in this Plan provided you meet the eligibility qualifications. To apply for
coverage, you will need to indicate your desired coverage options when you first enroll for your
other benefits.

               !!      If you do not apply for coverage within 31 days of first
                       being eligible, you will not be able to enroll until the next
                       Annual Open Enrollment period or qualifying event.
                       Except for children, evidence of insurability will be
                       required and coverage can be denied.

Guaranteed Issue

To be eligible for the guaranteed issue provision, you must apply for coverage for yourself
and/or your spouse/domestic partner within 31 days of first being eligible. Guaranteed Issue is
the maximum amount of coverage that will be approved without requiring evidence of
insurability. The guaranteed issue for you is up to $100,000, or five times basic annual earnings,
whichever is less. The guaranteed issue for your spouse/domestic partner's coverage is up to
$20,000. Coverage for your or your spouse/domestic partner’s children is not subject to
evidence of insurability. If you apply for coverage in excess of the guaranteed issue, you will
receive an Evidence of Insurability form, which must be completed and returned directly to the
Insurance Carrier within 31 days of receipt.




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2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

               !!      If you do not enroll yourself and/or your spouse/domestic
                       partner when you are first eligible for this Plan, you will
                       not be entitled to the guaranteed issue provisions. You will
                       be required to provide evidence of insurability for all
                       amounts of insurance and coverage can be denied.

Evidence of Insurability

If you elect an amount of supplemental life insurance coverage for yourself in excess of the
lesser of $100,000 or five times your basic annual earnings, evidence of insurability is required.
Evidence of Insurability means you will be required to provide proof of good health, and
coverage can be denied. Similarly, if you elect an amount of supplemental life insurance
coverage for your spouse/domestic partner in excess of $20,000, evidence of insurability will
also be required. Evidence of insurability is not required for coverage for children. If evidence
of insurability is required, you will need to complete an Evidence of Insurability form and submit
it to the Insurance Carrier within 31 days of receipt.

               !!      Any amount subject to Evidence of Insurability will not
                       be effective until the insurance carrier has received
                       your Evidence of Insurability form and approved your
                       supplemental life insurance.



               !!      If you do not enroll yourself, your spouse/domestic partner,
                       and/or your or your domestic partner’s children when you
                       are first eligible for this Plan, you can only apply for
                       coverage during the Annual Open Enrollment period or if
                       you experience a qualifying event. You will be required to
                       provide evidence of insurability for all amounts of
                       insurance for you or your spouse/domestic partner and
                       coverage can be denied. Evidence of insurability is never
                       required for child(ren).

Schedule of Benefits for Supplemental Life Insurance
Amount and Cost of Coverage

1. For Yourself (Evidence of insurability may be required)

   You may apply for supplemental term life insurance in specified increments from $10,000 to
   $500,000. The maximum amount of coverage for which you may apply is up to five times
   your basic annual earnings. To determine the monthly premium you would pay, you should
   use the following table and locate your age and amount of coverage desired. You cannot be
   covered under this Plan as both a team member and a dependent.




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2008 Summary Plan Description                                                            FedEx Kinko's Office and Print Services, Inc.

Option 0: No coverage selected.
Age as of:   Option 1     Option 2       Option 3     Option 4     Option 5   Option 6     Option 7      Option 8    Option 9       Option 10     Option 11
1/1/08       10,000       20,000         50,000       70,000       100,000    150,000      200,000       250,000     300,000        400,000       500,000

Under 25     .80          1.60           4.00         5.60         8.00       12.00        16.00         20.00       24.00          32.00         40.00
25-29        .90          1.80           4.50         6.30         9.00       13.50        18.00         22.50       27.00          36.00         45.00
30-34        1.00         2.00           5.00         7.00         10.00      15.00        20.00         25.00       30.00          40.00         50.00
35-39        1.30         2.60           6.50         9.10         13.00      19.50        26.00         32.50       39.00          52.00         65.00
40-44        1.90         3.80           9.50         13.30        19.00      28.50        38.00         47.50       57.00          76.00         95.00
45-49        3.10         6.20           15.50        21.70        31.00      46.50        62.00         77.50       93.00          124.00        155.00
50-54        5.50         11.00          27.50        38.50        55.00      82.50        110.00        137.50      165.00         220.00        275.00
55-59        8.10         16.20          40.50        56.70        81.00      121.50       162.00        202.50      243.00         324.00        405.00
60-64        12.20        24.40          61.00        85.40        122.00     183.00       244.00        305.00      366.00         488.00        610.00
65-69        17.50        35.00          87.50        122.50       175.00     262.50       350.00        437.50      525.00         700.00        875.00
70+          27.00        54.00          135.00       189.00       270.00     405.00       540.00        675.00      810.00         1,080.00      1,350.00


                     !!           If you reside in Texas, your coverage may not exceed the
                                  greater of $250,000, or seven times your annual salary, up
                                  to a maximum of $500,000. This maximum applies to all
                                  coverages.

2. For Your Spouse/Domestic Partner (Evidence of insurability may be required)

                     !!           Coverage for your spouse/domestic partner cannot exceed
                                  50% of the sum of your basic life insurance and approved
                                  team member supplemental life amounts (if any).

To determine the monthly premium you would pay for your spouse/domestic partner, you should
use the following table and locate your spouse/domestic partner's age and amount of coverage
desired. You cannot be covered under this Plan as both a team member and a dependent.

Option 0: No coverage selected
Age as of     Option 1        Option 2           Option 3        Option 4     Option 5        Option 6        Option 7          Option 8
1/1/08        5,000           10,000             20,000          25,000       35,000          50,000          75,000            100,000

Under 25      .40             .80                1.60            2.00         2.80            4.00            6.00              8.00
25-29         .45             .90                1.80            2.25         3.15            4.50            6.75              9.00
30-34         .50             1.00               2.00            2.50         3.50            5.00            7.50              10.00
35-39         .65             1.30               2.60            3.25         4.55            6.50            9.75              13.00
40-44         .95             1.90               3.80            4.75         6.65            9.50            14.25             19.00
45-49         1.55            3.10               6.20            7.75         10.85           15.50           23.25             31.00
50-54         2.75            5.50               11.00           13.75        19.25           27.50           41.25             55.00
55-59         4.05            8.10               16.20           20.25        28.35           40.50           60.75             81.00




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60-64      6.10        12.20     24.40      30.50      42.70        61.00       91.50        122.00
65-69      8.75        17.50     35.00      43.75      61.25        87.50       131.25       175.00
70+         Note: Spousal/Domestic Partner coverage is not available after spouse/domestic partner
           reaches age 70.


3. For Your Children/Domestic Partner’s Children

Important Note: Child Supplemental Life Insurance is only available for children that meet the
definition of dependent, as outlined in the Dependent Eligibility section of this document.

Coverage for your child(ren) under 6 months of age is $1,000. You can elect either $5,000 or
$10,000 of supplemental term life insurance for your child(ren) six months or older. If you do
not enroll your child(ren) when first eligible for this Plan, you can only apply for coverage
during the next Annual Open Enrollment period or if you experience a qualifying event.
Coverage for children can only be elected by one team member.

To determine the monthly premium you would pay for your child(ren), you should use the
following chart and locate the amount of coverage desired.

Option 0: No coverage selected.

               Amount of Coverage                         Monthly Cost
         Option 1: 5,000                                     1.00

         Option 2: 10,000                                        2.00

                  !!    These rates apply regardless of the number of children
                        covered.

Grandfathered Coverage

Supplemental insurance amounts in effect July 1, 2001 and January 1, 2002 remain in
force and are not affected by the change in carrier (07/01/01) or reduction in group term
life insurance amounts (01/01/02).

Suicide Clause

Benefits are not payable if you or an enrolled dependent commits suicide within 24 months from
the initial effective date of coverage under the policy, or within 24 months after the effective date
of any increase or additional insurance.




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Reduction in Benefit Amount

The amount of your basic and supplemental life insurance on and after age 70 will be determined
by applying the appropriate percentage from the following chart to the amount of benefit in
effect on the day before your 70th birthday:

                             Age                     Percentage Paid
            70 but less than 75                            50%
            75 but less than 80                            30%
            80 or older                                    20%

Adjustments to the monthly premium paid will be effective at the start of the Plan year following
the team member’s 70th birthday.


Spousal/domestic partner coverage is not available after spouse reaches age 70.


Accelerated Benefits

If your life span is drastically limited, you are not expected to recover, and you are expected to
die within 12 months, you may be eligible for Accelerated Benefits. The amount of accelerated
benefits payable is up to 75% of your life insurance benefit amount, not to exceed $500,000
(minimum payment of $5,000).

               !!         Accelerated benefits may be taxable. If so, you or your
                          beneficiary may incur a tax obligation. As with all tax
                          matters, you should consult your accountant or other
                          financial advisor.

Accelerated Benefits is available for spouses/domestic partners.

Continued Benefits during Total Disability

If you cease to be actively at work due to total disability, your supplemental life insurance may
continue if you:

       •   Become totally disabled after you have been enrolled for at least one year,

       •   Become totally disabled before your life insurance benefits end,

       •   Have been totally disabled for at least six months,

       •   Are less than 60 years old at the time you become totally disabled, and

       •   Continue to remain totally disabled until the date you die.




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               !!      Required proof of total disability must be submitted to the
                       Disability Insurance Carrier within 12 months after you
                       cease to be actively at work due to total disability.

This total disability provision is only applicable to the team member portion of supplemental
insurance.

Termination of Benefits during Total Disability

The amount of death benefits payable under Total Disability will end on the date you:

       •   Are no longer totally disabled,

       •   Do not furnish proof of disability as required by the Disability Insurance Carrier, or

       •   Attain age 65.

Designation of Beneficiary

                !!     It is vital that all FedEx Kinko’s team members maintain an
                       up-to-date Designation of Beneficiary. Only electronically
                       submitted Designation of Beneficiaries will appear on
                       future personalized enrollment worksheet and confirmation
                       statements. If you would like your designation to appear
                       on future worksheets and statements, you must make an
                       electronic designation online.

You may change your beneficiary at any time either electronically via FedEx Kinko’s Benefits
Online Web site or by filing a new Designation of Beneficiary form with the FedEx Kinko’s
Benefits Service Center. The change will take effect as of the date you electronically submitted
the change or the date you signed the form. Please be aware that if a minor child is designated as
a beneficiary, the following information will be required: 1) name of custodian of the minor
beneficiary, or 2) name of court-appointed guardian of the minor's estate. If this information is
not provided when a claim is filed, the benefits will be held in a trust until the minor reaches
majority age.

Termination of Coverage

Your coverage will end on the earliest of:

       •   The date coverage or policy ends,

       •   The date you become ineligible,

       •   The last day you actually work, or

       •   The last day of the period in which you made any required contributions.




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Your spouse's/domestic partner’s coverage will end when he or she turns age 70. Coverage for
your dependents or the dependents of your domestic partner will end when they are no longer
eligible under the Plan.

Conversion Privilege (Change to an Individual Insurance Policy)

You or your dependents are eligible to apply for a personal life insurance policy if your coverage
terminates due to one of the reasons stated above. This policy will not contain a disability or
accidental death benefits provision. If you die within the 31-day application period, the Insurance
Carrier will pay your beneficiary(ies) the amount of insurance that could have been converted.
This coverage is available whether or not you have applied for an individual life policy under the
conversion privilege. If your dependent dies within the 31-day application period, the Insurance
Carrier will pay their beneficiary(ies) the amount of insurance that could have been converted.
This coverage is available whether or not they have applied for an individual life policy under
the conversion privilege. To convert this group insurance to a personal life insurance policy, an
application must be filed within 31 days of the end of coverage. Upon termination, contact the
Insurance Carrier to receive a conversion packet mailed to your home.




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Business Travel Accident Coverage
As a team member on FedEx Kinko’s payroll, regardless of your benefits eligibility status, you
are covered under an Accidental Death and Dismemberment Insurance Policy. A maximum of
$100,000 will be payable under this policy, as long as the accident that causes the covered loss
occurs while working for FedEx Kinko’s and while on authorized travel away from your place of
regular employment. Vacations, leaves of absence, and commutes to and from work are not
considered "working for FedEx Kinko’s."

If you die as the result of an automobile accident while on authorized travel, and you were
properly using a seat belt at the time the accident occurred, there will be an additional seat belt
benefit paid of $10,000. In addition, if you sustain a covered accident resulting in a coma within
365 days of the accident, and remain in a coma for at least 31 consecutive days, a monthly coma
benefit will be paid.

Written notice of a claim must be given within 20 days after a covered loss occurs or starts. The
notice must be given to the FedEx Kinko’s Benefits Department and all payments will be made
when proof of loss is received and approved.




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Educational Assistance Plan
The Educational Assistance Plan allows FedEx Kinko’s to invest in its team members. This Plan
offers a tuition reimbursement program that will help you advance your education. FedEx
Kinko’s believes that helping to provide training is part of being a good employer and it is good
business as well, because any contribution FedEx Kinko’s makes toward your educational
advancement is an investment in you, one who may well progress to more responsible positions
at FedEx Kinko’s. This Plan is administered by HealthComp Administrators.

What the Plan Provides

The Educational Assistance Plan reimburses you, as an eligible team member, for the cost of
tuition, fees, and similar expenses, and costs of textbooks and related materials, incurred in
taking an educational course related to your work at FedEx Kinko’s or as part of a college degree
program. The benefit covers undergraduate and graduate courses taken at an accredited
institution.

If you satisfy the requirements of the Plan, you will be reimbursed:

       •      For undergraduate courses, up to $750 per academic term with a maximum of
              $1,500 during any Plan Year, tax-free.

       •      For graduate courses, up to $1,250 per academic term with a maximum of $2,500 per
              Plan Year, tax-free.

The total amount you may receive as reimbursement under this Plan cannot exceed $10,000
during your career as a team member with FedEx Kinko’s.

                 !!     If you receive financial assistance in the form of a private
                        or public loan, the loan will not reduce or limit the amount
                        of benefit to which you are entitled under this plan.

Eligibility

You are automatically a participant in the Plan if you:

       •      Have completed three months of continuous employment with FedEx Kinko’s as a
              regular full time or part time team member, and

       •      Are not receiving severance payments.

                 !!     However, you will not be eligible for benefits from this
                        Plan if you have been given a performance counseling
                        statement or have been put on special evaluation or
                        decision-making leave within the six months prior to your
                        application for benefits.




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               !!      You will also not be eligible for benefits from this Plan if
                       you are on a leave of absence from FedEx Kinko’s at either
                       the beginning or the end of the academic term for which
                       you are applying for benefits.



International Team Members: If an International team member transfers to a position within
the United States, credit will be given for previous service with respect to satisfying eligibility
requirements for benefits enrollment.

Team Members of FedEx Kinko’s Subsidiaries: If you work for a subsidiary that is 100%
owned by FedEx Kinko’s, Inc. and your employer has elected to participate in the FedEx
Kinko’s, Inc. benefit plans, then you will be treated as a FedEx Kinko’s, Inc. team member for
purposes of the FedEx Kinko’s, Inc. benefit plans selected by your employer.


How the Plan Works

Reimbursement Procedures

All courses from accredited institutions are eligible for reimbursement in accordance with Plan
limits and rules. However, keep in mind that courses must be related to your employment OR
part of a college degree program and courses beginning prior to your eligibility date will not be
considered. In addition, covered costs for an educational course do not include the cost of any
tools or supplies which you purchase that you can keep after completing the course of
instruction, or the cost of meals, lodging, or transportation which are incidental to the
educational course.

In order to receive reimbursement from this Plan following completion of the course(s), you
must submit the following materials to HealthComp:

       •   Completed Educational Assistance Plan Reimbursement Form report, which you and
           your supervisor have signed. The report must set out the tuition or other costs for the
           educational course(s). In addition, it is necessary to provide all original receipts.

       •   Copy of the grade report from the accredited institution which shows that you have
           completed the educational course(s) with a grade of "C" or better or, in the event the
           course(s) is not graded, that you have received a passing grade in the course(s).

       •   Information pertaining to any other public or private financial assistance you may be
           receiving for this education.

               !!      All documentation must be received by HealthComp within
                       12 months of completion of the course(s) in order to be
                       considered for reimbursement.




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Termination of Coverage

You will no longer be able to participate in the Plan if you terminate your employment with
FedEx Kinko’s for any reason. On your date of termination, you will forfeit any eligibility for
benefits under the Plan.




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Employee Assistance Program
The Employee Assistance Program (EAP) through VMC can help you or your family members
with personal problems. The EAP is designed to assist you in resolving life's issues through
confidential counseling. The problems might be marital, legal, financial, or substance abuse. But
whatever it is, the EAP will help you plan a course of action to resolve your difficulties. The
following are just a few of the areas where the EAP can help:

       Depression, Anxiety                             Elder Care

       Alcohol abuse                                   Automobile Services

       Drug abuse                                      Travel Agencies

       Child/Adolescent behavior
                                                       Pet Boarding and Grooming
       problems

       Marital problems                                Smoking Cessation

       Crisis situations - assault, rape,
                                                       Retirement Planning
       robbery

       Financial problems                              Workplace Relations

                                                       Academic and Financial Aid
       Legal problems
                                                       Referrals


If you have legal or financial problems, the EAP will make a referral to a legal or financial
counselor. The EAP does not provide legal or financial services.

Confidentiality

The EAP is totally confidential. In fact, the success of any EAP depends on confidentiality. Your
participation in the EAP is not documented in any medical or personnel file and will not affect
job security or career mobility. Information is only released with your permission, if ordered by
a court, required by law, or to get help in life threatening situations.

How the Program Works

Whenever you or a member of your family have a problem and need assistance, call VMC (the
Plan Administrator). A licensed counselor is available 24 hours-a-day, seven days-a-week to
provide help during a crisis situation. It may be possible for the counselor to address your
problems immediately, or, if necessary, refer you to another counselor, agency, or health clinic
for additional support. A treatment plan will be tailored to focus on your needs in order to ensure
that you receive the best available care. If you need to see a professional counselor, the case
manager will refer you to a counselor who will contact you within 48 hours of your call. The




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EAP counselor will arrange an appointment with you within five days, as your schedule permits.
You could receive up to five sessions with a counselor at no cost to you. If further help is
necessary, the EAP can assist you in coordinating additional treatment through your medical
plan.

Management Referral

Sometimes personal problems can affect your work. Should your work performance decline or
an on-the-job incident indicate a personal problem, your supervisor may call the EAP.
Participation is voluntary and information discussed in any session will never be disclosed to
your supervisor or any other agent of FedEx Kinko’s, Inc. However, with your consent, your
supervisor will be notified whether you attend sessions or not. It is important to remember that if
your problems continue to affect your job performance, your job may be in jeopardy




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Adoption Benefit Program
Effective January 1, 2007

Overview

To offer financial assistance to team members who are building families, a program has been
developed to provide eligible team members with adoption benefits to include reimbursement of
eligible expenses incurred during adoption of a child(ren).

The adoption must have been finalized January 1, 2007 or later, as evidenced by a Certificate of
Adoption or Adoption Placement Decree. Expenses must have been incurred either on/after
January 1, 2007, or on/after the team member’s hire/rehire date, whichever is later, to be eligible
for reimbursement under the FedEx Kinko’s Adoption Benefit Program.

Eligibility

All Regular Full-time and Regular Part-Time team members are eligible for the Adoption
Benefit Program once they have met their Introductory Period as defined in the Team Member
Handbook.

If a team member and his/her spouse/domestic partner both work at FedEx Kinko’s, then only
one team member may utilize the program for any one child.

The team member must be employed at the time financial reimbursement is made. If the team
member becomes ineligible or terminates employment prior to reimbursement, then the team
member will not receive reimbursement.

Adopted children must be under the age of eighteen and may include relatives of the team
member. There is no limit on the number of children for which reimbursement may be
requested, except that as specified below, reimbursement is limited to a maximum of $5,000
every two years.

Reimbursement

Eligible adoption-related expenses may be reimbursed to a maximum of $5,000 every two years.
The two year period commences as of the date the adoption was finalized.

Most expenses directly related to the adoption are reimbursable, but must have been incurred
either on/after January 1, 2007, or on/after the team member’s hire/rehire date, whichever is
later. These may include:

   •   Home studies
   •   Adoption agency and placement fees
   •   Court and legal fees
   •   Medical expenses of the birthmother related to the pregnancy and delivery of the adopted
       child




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   •   Medical expenses of the child, not covered by insurance
   •   Immigration, immunization and translation fees
   •   Transportation and lodging, including meals

Please note that everyday expenses related to the adopted child are not covered.

Team members may refer to the current IRS Form 8839 Qualified Adoption Expenses and/or
consult with a tax advisor for questions regarding taxes on the reimbursed expenses.

Process for Reimbursement

Once the adoption has been finalized, the team member must complete the Adoption Benefit
Program Reimbursement Form. This form may be obtained by logging onto the FedEx Kinko’s
benefits website at benefits.fedexkinkos.com or by calling the Benefits Department at
1.866.866.9050. A copy of the Certificate of Adoption or the Adoption Placement Decree as
well as itemized receipts for expenses must be submitted with the form to the Benefits Service
Center for review. Once reimbursement has been approved, it will be processed on the team
member’s paycheck as soon as administratively possible.




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Your Beneficiary Designation
It is important to retain a current Designation of Beneficiary on file with the FedEx Kinko’s
Benefits Service Center. This assures that in the event of your death, the proceeds from your
Basic life insurance plan, supplemental life insurance (if applicable), and final paycheck are
distributed as you would have wished. Failure to designate a beneficiary may result in a delay of
this distribution or the proceeds may even be placed in probate with the state. Only
electronically submitted Designation of Beneficiaries will appear on future personalized
enrollment worksheet and confirmation statements. If you would like your designation to appear
on future worksheets and statements, you must make an electronic designation online.




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General Provisions of the Health Plan
FedEx Kinko’s strives to maintain a sound, economic program, within the limits of the funds
available, and is dedicated to providing the maximum possible benefits for you and your covered
dependents. To accomplish this, FedEx Kinko’s Office and Print Services, Inc. reserves the
right, in its sole discretion, but on a nondiscriminatory basis to:

       •   Amend the benefits provided or conditions, with respect to any benefits or provisions
           of the Plan, even though the amendments may affect any claims in process and/or
           expenses already incurred; and

       •   Alter or postpone the method of payment of any benefit; and

       •   Amend any provision of the Plan or terminate the Plan, in whole or in part, at any
           time, by action of the Board of Directors of FedEx Kinko’s Office and Print Services,
           Inc. as set forth in Article XI of the Plan Document. The FedEx Kinko’s Office and
           Print Services, Inc. Benefit Committee also has authority to amend the Plan if the
           amendment does not significantly increase FedEx Kinko’s costs in operating the Plan.

Third-Party Liability
Benefits will not be provided for any illness, injury, disease, or other condition for which a third
party may be liable or legally responsible by reason of negligence, an intentional act, or breach
of legal obligation on the part of the third party. If the Plan does pay benefits in such a case, you
must reimburse the Plan as soon as possible to the extent you receive funds by legal action,
settlement, or otherwise. The Plan has the right of first reimbursement out of any amount you
recover from any source, even if you were not made whole. The Plan's rights will not be reduced
by any attorneys' fees, costs, or other payment or obligation.

The Plan also reserves the right to recover the amount that is legally payable by the third party,
through subrogation.

You must sign any documents requested by the Plan to assist the Plan in enforcing its rights.
You must also provide the Plan with copies of any and all demand letters, complaints, and other
claims made against the third party within ten days after they are sent to or filed against the third
party or its representative.


Coordination of Benefits
The Plan has a Coordination of Benefits provision that applies when you or your enrolled
dependents are covered by more than one medical or dental plan. The Plan benefits depend on
which plan is primary and which plan is secondary.

In the event of a motor vehicle accident, this Plan is not the primary insurance coverage (this
includes auto, medical, no-fault, casualty, or liability insurance). No benefits will be paid until
an Explanation of Benefits is submitted, showing a primary insurance payment. Payments of




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benefits may be delayed until an Explanation of Benefits is submitted to the Claims
Administrator showing primary insurance coverage.

           !!      The other plan will be primary if it does not provide for
                   Coordination of Benefits. Otherwise, if you are a team member, the
                   FedEx Kinko’s Plan is the primary plan for you, unless you have
                   had other primary coverage for a longer time. The FedEx Kinko’s
                   Plan is the secondary plan for your spouse if he or she has other
                   coverage. When the FedEx Kinko’s Plan is the secondary plan, the
                   benefit payable from the other plan is reviewed each time a claim is
                   submitted. In these cases, the FedEx Kinko’s Plan may pay
                   additional benefits, but the total you receive from the other plan and
                   the FedEx Kinko’s Plan combined will not be more than what you
                   would have received from the FedEx Kinko’s Plan alone.

For a person who is covered as a Dependent child under more than one plan: 1) the plan of the
parent whose birthday falls earlier in the Calendar Year is the primary plan; 2) if the father and
mother have the same birthday, the plan covering the parent the longest is the primary plan; 3) if
the other plan coordinates benefits based upon the gender of the parents, then the plan that covers
the child as a dependent of a male person is the primary plan. Special rules apply in the case of
legal separation or divorce.


Medicare Provision
If you or your enrolled dependents are covered under this Plan, but are eligible for Medicare
because of age or disability, the benefits of this Plan will be paid without any reduction because
of the benefits payable under Medicare. If you or your enrolled dependents become eligible for
Medicare because of end stage renal disease, the benefits of this Plan will be paid without
reduction because of any benefits payable under Medicare for the first 30 months of eligibility,
and will thereafter be paid on a secondary basis under the terms of the Coordination of Benefits
provision.


Pre-existing Conditions Exclusion

With respect to a covered Team Member or Dependent, the Plan will impose a Pre-existing
Condition Exclusion for a period of 12 months after the Enrollment Date or first day of the
waiting period if:

(a)     such exclusion relates to a condition (whether physical or mental), regardless of the cause
of the condition, for which medical advice, diagnosis, care, or treatment was recommended or
received within the 6-month period ending on the day before the Enrollment Date or the day
before the waiting period begins; and

(b)     the period of any such Pre-existing Condition Exclusion is reduced by the aggregate of
the periods of Creditable Coverage applicable to the covered Team Member or Dependent as of




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the Enrollment Date or first day of the waiting period. Most prior health coverage is creditable
coverage and can be used to reduce the preexisting condition exclusion. However, coverage a
Team Member or Dependent had before having 63 consecutive Days with no coverage is not
counted as Creditable Coverage. If you do not have a certificate, but you do have prior health
coverage, we will help you obtain one from your prior plan or issuer. There are also other ways
that you can show you have creditable coverage. Pre-existing Condition exclusions will not
apply to the following:


•   In the case of a newborn child who, as of the last Day of the 31-Day period beginning with
    the date of birth, is covered under Creditable Coverage. However, if the child has a 63-Day
    period with no Creditable Coverage, the Pre-existing Condition Exclusion will apply.

•   In the case of a child who is adopted or placed for adoption before attaining 18 years of age
    and who, as of the last Day of the 31-Day period beginning on the date of the adoption or
    placement for adoption, is covered under Creditable Coverage. The previous sentence shall
    not apply to coverage before the date of such adoption or placement for adoption. Also, if
    the child has a 63-Day period with no Creditable Coverage, the Pre-existing Condition
    Exclusion will apply.

•   Pregnancy will not be considered a Pre-existing Condition.

Complete information regarding Pre-existing Condition Exclusions is available in the FedEx
Kinko’s Office and Print Services, Inc. Health Plan Document.

All questions about the preexisting condition exclusion and creditable coverage should be
directed to the Benefits Service Center at 1.866.866.9050.

                For purposes of paragraph (a), above, medical advice, diagnosis, care, or
treatment is taken into account only if it is recommended by, or received from, an individual
licensed or similarly authorized to provide such services under State law and operating within the
scope of practice authorized by State law.

For purposes of this part, the following definitions will apply:

                        (1)     "Pre-existing Condition Exclusion" means a limitation or exclusion
of Plan benefits relating to a condition based on the fact that the condition was present before the
date of enrollment for Plan coverage, whether or not any medical advice, diagnosis, care, or
treatment was recommended or received before such date. Genetic information shall not be
treated as a condition described in this paragraph (a) in the absence of a diagnosis of the
condition related to such information.

                       (2)     "Enrollment Date" means, with respect to an individual covered
under the Plan, the date of enrollment of the individual in the Plan or, if earlier, the first Day of
the Waiting Period for such enrollment.

                  (3)    "Waiting Period" means the period that must pass with respect to a
Team Member or Dependent before the individual is eligible to be covered for benefits under the




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2008 Summary Plan Description                                 FedEx Kinko's Office and Print Services, Inc.

terms of the Plan. If a Team Member or Dependent enrolls due to a qualifying event described
in Article 2, any period before such qualifying event is not a Waiting Period.

(1)     For purposes of this part, the HIPAA term "Creditable Coverage" means, with respect to
an individual, coverage of the individual under any of the following:


A group health plan.

Health insurance coverage.

Part A or part B of title XVIII of the Social Security Act.

Title XIX of the Social Security Act, other than coverage consisting solely of benefits under
Section 1928.

Chapter 55 of title 10, United States Code.

A medical care program of the Indian Health Service or of a tribal organization.

A State health benefits risk pool.

A health plan offered under chapter 89 of title 5, United States Code.

A public health plan.

A health benefit plan under Section 5(e) of the Peace Corps Act (22 U.S.C. 2504(e)).
                       (2)    Not counting periods before significant breaks in coverage.


                              (A)     A period of Creditable Coverage shall not be counted, with
respect to enrollment of an individual under the Plan, if, after such period and before the
Enrollment Date, there was a 63-Day period during all of which the individual was not covered
under any Creditable Coverage.

                              (B)     Any period that an individual is in a Waiting Period for any
coverage under the Plan shall not be taken into account in determining the continuous period
under subparagraph (A).
                      (3)     Periods of Creditable Coverage with respect to an individual shall
be established through presentation of certifications acceptable to the Plan Administrator or in
such other manner as may be acceptable to the Plan Administrator.




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FedEx Kinko’s Medical and Dental Claims Administrator
Anthem Blue Cross processes claims for team members enrolled in all Medical and Dental Plans.
Please see below for claim filing procedures. Appeal procedures can be found in the “Legal
Notifications” section.

Filing a Claim
Filing claims is a simple, straightforward process. Just follow these steps and call the Anthem
Blue Cross Customer Service Center if you have any questions:

1. When you incur medical, dental, or prescription drug expenses, always show your Anthem
   Blue Cross identification card. Your medical or dental provider may bill Anthem Blue Cross
   (the Claims Administrator) directly. However, if your provider chooses not to bill on your
   behalf, you will need to submit a completed claim form, along with the itemized bill, to
   Anthem Blue Cross.

2. You should submit a claim for medical services on a Medical Claim Form. Dental claims
   need to be submitted on a Dental Claim Form. Prescription claims need to be submitted on a
   Prescription Drug Claim form. These forms can be found on the FedEx Kinko’s Benefits
   Online Web site Library under the “Forms” section. Follow the instructions contained on
   each form. If you want to have payments made directly to your physician, surgeon, hospital,
   or dentist, you should indicate so on the Assignment section of the appropriate form.

3. Attach your itemized bill and submit it, along with the completed form, to Anthem Blue
   Cross at the indicated address. If you do not have an itemized receipt, your physician or
   dentist will need to complete the Provider's Statement/Dentist's Statement on the reverse side.

If you have other coverage in addition to this Plan, you will help expedite the payment of
benefits by filing a claim with the primary plan first. When you receive your Explanation of
Benefits (EOB) from the primary plan, send a copy of the EOB, along with the completed claim
form and itemized billing, to Anthem Blue Cross.

On your claim form, be sure to indicate all the names and addresses of all insurers of other
coverage from which you may receive benefits.

           !!      You have 365 days from the date of service to submit a claim for
                   medical, dental, or prescription drug benefits.




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Leave of Absence
Benefits during an Approved Leave of Absence
If you are off work due to any of the following reasons, and if your employment is not
terminated, your health plan coverage may continue for the time periods shown, provided you
continue to pay monthly team member contributions. This information applies to full-time team
members only. If you are a part-time team member enrolled in health insurance coverage, you
will be contacted by FedEx Kinko’s health insurance vendor regarding payment for your benefits
during Leave of Absence.

Administrative or Personal Leave of Absence

An administrative or personal leave of absence is an approved leave of absence without pay and
not to exceed 30 calendar days in duration. Your health insurance can continue for up to the
maximum 30 days allowed by the administrative or personal leave, providing you continue to
pay your team member contributions to ensure continuation of health insurance coverage. Team
members will be sent a letter from the Benefits Department advising them of their payment
options for continued payment of their portion of health insurance premiums while on an
approved leave of absence.

Coverage will continue until the end of the month coinciding with or following the earlier of:

       •   The end of your leave, or

       •   Up to the maximum 30 days of leave.

Failure to make payments within 30 days may result in an earlier termination of coverage.

Medical (Non-Work-Related) and Pregnancy Disability Leaves of Absence

If you are temporarily unable to work due to injury or illness (including pregnancy-related
disabilities), you may be granted a medical leave of absence for up to a maximum of 12 weeks.
Your health insurance can continue for up to the maximum 12 weeks allowed by the medical
leave, provided you continue to pay required monthly team member contributions to ensure
continuation of health insurance coverage. Team members will be sent a letter from the Benefits
Department advising them of their payment options for continued payment of their portion of
health insurance premiums while on an approved leave of absence.

Coverage will continue until the end of the month coinciding with or following the earlier of:

       •   The end of your leave, or

       •   Up to the maximum 12 weeks of leave.

Failure to make payments within 30 days may result in an earlier termination of coverage.




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Worker’s Compensation Leave of Absence

If you are injured during the course and scope of employment, you are eligible for an unpaid
leave of absence. The length of leave of absence will be granted until one of the following
events occurs: (1) you are released to return to regular of modified duty; (2) you directly or
indirectly inform FedEx Kinko’s that you do not intend to return to work; or (3) after a
maximum duration of 12 months, unless otherwise required by law. Your health insurance can
continue for up to the maximum 12 weeks allowed by the medical leave, provided you continue
to pay your team member contributions to ensure continuation of health insurance coverage.
Team members will be sent a letter from the Benefits Department advising them of their
payment options for continued payment of their portion of health insurance premiums while on
an approved leave of absence.

Coverage will continue until the end of the month coinciding with or following the earlier of:

       •   The end of your leave, or

       •   Up to the maximum 12 weeks of leave.

Failure to make payments within 30 days may result in an earlier termination of coverage.

Family and Medical Leave Act (FMLA)

A FMLA leave is an approved, unpaid leave from work due to your need to: 1) care for a child
following birth, adoption or foster care; or 2) care for a child, spouse, or parent with a serious
health condition; or 3) care for your own serious health condition. Your health coverage can
continue for up to the maximum 12 weeks allowed by FMLA, provided you continue to pay your
team member contributions to ensure continuation of health coverage. Team members will be
sent a letter from the Benefits Department advising them of their payment options for continued
payment of their portion of health insurance premiums while on an approved leave of absence.

Coverage will continue until the end of the month coinciding with or following:

       •   The end of your leave, or

       •   Up to the maximum 12 weeks of leave.

Failure to make payments within 30 days may result in an earlier termination of coverage.

Military Service Leave of Absence

A military service leave of absence is an approved leave for military service. A team member’s
classification and type of military leave determines whether the leave of absence is paid. Your
health coverage will continue for a maximum of 365 calendar days and insurance premiums will
be paid for by FedEx Kinko’s. Your company paid life and disability insurance will continue for
a maximum of 30 calendar days. Your supplemental life insurance will continue for a maximum
of 30 calendar days, provided you continue to pay your team member contributions to ensure
continuation of coverage. Team members will be sent a letter from the Benefits Department




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advising them of their payment options for continued payment of their portion of supplemental
life insurance premiums while on an approved leave of absence.

If your military service exceeds 30 days, you will be given the option to convert your life
insurance coverage to an individual policy.

If your military service exceeds 365 days, you will be converted to inactive status and will be
eligible for COBRA Continuation Coverage, which provides temporary continuation of health
plan benefits as detailed in the “Legal Notifications” section.

If you lose coverage during a military service leave, you will not have a waiting period to
reinstate your coverage if you return to FedEx Kinko’s at the end of the leave (except for any
illness or injury incurred or aggravated in your military service).

Jury Duty Leave of Absence

A jury duty leave of absence allows team members to take leave to serve on jury duty. A team
member’s classification determines whether the leave of absence is paid. Certain states mandate
paid jury duty regardless of a team member’s classification. Team members serving in such state
will be provided paid jury duty in accordance with state regulations. Your health coverage can
continue for the length of time of jury duty provided you continue to pay your team member
contributions to ensure continuation of health coverage. Team members will be sent a letter
from the Benefits Department advising them of their payment options for continued payment of
their portion of health insurance premiums while on an approved leave of absence.

California Paid Family Leave of Absence

A California paid family leave of absence is for team members working in California. This leave
is an unpaid leave from work due to your need to: 1) care for a child following birth, adoption or
foster care; or 2) care for a child, parent, spouse or domestic partner with a serious health
condition. Your health insurance can continue for up to the maximum of 7 weeks allowed by the
leave, provided you continue to pay your team member contributions to ensure continuation of
health insurance coverage. Team members will be sent a letter from the Benefits Department
advising them of their payment options for continued payment of their portion of health
insurance premiums while on an approved leave of absence.


Continuation of Coverage while on Leave of Absence

In case of a leave of absence governed by a state or federal Family and Medical Leave Act
(FMLA), your health insurance benefits will continue during the leave of absence at the same
level and under the same conditions that existed when you were in active employment, and those
benefits will not be considered Continuation Coverage. This means that you must continue to
pay your portion of the Plan premiums during the FMLA leave.

If you fail to make a premium payment within 30 days of its due date, FedEx Kinko’s may
terminate your Plan coverage. If your coverage is continued, FedEx Kinko’s may, after you
return to active service, recover from you your share of the premium payments that you missed.




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If you do not return to active service, FedEx Kinko’s may recover the unpaid premiums from
you unless your failure to return is due to a serious health condition (as defined in the FMLA) or
other circumstances beyond your control.

If your Plan coverage is terminated during an FMLA leave, and you return to active service with
FedEx Kinko’s at the end of the leave, your Plan coverage will, upon written request, be restored
on the date you return to active service. Your coverage will be the same as if you had not taken
an FMLA leave or missed any premium payments, unless you elect otherwise.

If you cease to render active service due to a Leave of Absence granted by FedEx Kinko’s that is
not governed by the federal Family and Medical Leave Act, coverage will continue to be
provided to you by FedEx Kinko’s for up to 12 weeks, provided that you pay all premiums
which are required to be paid by team members who continue to render active service. During
this initial 12-week period (30 days for administrative or personal leave of absence; 7 weeks for
California paid family leave), you must continue to pay the required contributions to keep your
dependents' and your own coverage in force. In the case of a leave of absence, you need not
elect continuation of coverage pursuant to the continuation coverage rules in this material.
Nevertheless, after the initial 12-week period (30 days for administrative or personal leave of
absence; 7 weeks for California paid family leave) of coverage for you which is subsidized in
whole or in part by FedEx Kinko’s, you will be required to make any and all required
contributions to FedEx Kinko’s for the charges for such coverage for you and your dependents.
If the conclusion of your leave of absence results in a qualifying event, you may elect to continue
coverage pursuant to the continuation of coverage rules in this section, provided that you paid all
required contributions for coverage during the leave of absence and you were covered by the
Plan at the end of the leave of absence.

Returning from a Leave of Absence to Regular, Full-time Employment
Status
If you return from a leave of absence to regular, full-time status within six months from
the date you exhausted your leave of absence entitlement and you were previously
eligible for benefits, you must call the FedEx Kinko’s Benefits Service Center within 31
days of your return to regular, full-time status to verify that your previous coverage
was/will be reinstated in your prior plans at your previous level of coverage.

        If your return is within the same calendar year, medical, dental and vision
        coverage will automatically be reinstated on the first of the month following your
        return. If your benefits were terminated during your leave of absence, you must
        re-elect any flexible spending accounts and supplemental life coverage.

        If your return is not within the same calendar year, you must re-elect all benefits
        within 31 days of your return from leave of absence. If you do nothing, you will
        not be enrolled in FedEx Kinko’s Medical, Dental or Vision Plans. You will be
        automatically enrolled in the Basic Life Insurance Plan, and Short and Long-term
        Disability Plans. The next opportunity to enroll will only be during the
        Annual Open Enrollment period or as the result of a qualifying event.




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Benefits are effective the first of the month coinciding with or following the date you
return to regular full-time status.

Termination of Coverage
Coverage under the Medical Plan will terminate on the earliest of the following dates:

1.     The termination of the Plan.

2.     The last day of the month in which your employment is terminated.

3.     The last day of the month in which you cease to be eligible, as defined in the section on
       eligibility.

4.     The date a covered person becomes a member of the armed forces of any country, or is
       activated to reserve duty status. The covered team member must submit a written
       request.

5.     The last day of the month for which the required contributions have been made.

6.     Your dependent's coverage will terminate on the date your coverage terminates or the last
       day of the month following the date on which your dependent no longer qualifies as a
       dependent, whichever is earlier.

7.     Upon your death.

Health plan benefits may be continued after termination of coverage for eligible individuals
through COBRA. See the “Legal Notifications” section for details.

If an individual ceases to be covered under the Plan, the individual will be sent a certificate that
shows the period of time he/she was covered under the Plan, the waiting period under the Plan,
and the period of time the individual received COBRA continuation coverage (if any).

A certificate will also be provided to a covered person who makes a written request for a
certificate not later than 24 months after the date the individual's Plan coverage ceased. The
certificate may help you avoid or reduce the pre-existing condition limitation or exclusion period
under your next health coverage.




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COBRA - Continuation of Health Plan Benefits
The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 provides for the
temporary continuation of health plan benefits for eligible terminated team members; widowed,
divorced, or legally separated spouses; and dependent children, where coverage under the
employer's health plan would otherwise be terminated.

             !!        Please refer to the “Legal Notifications” section for detailed information about
                       your rights under COBRA.



2008 COBRA Monthly Rates

                                                      COBRA Premium
 Plan Name                              TM Only         TM + SP/DP           TM + Child (ren)         TM + Family
 PPO Catastrophic Plan                   196.41              412.47                353.54                589.24
 PPO Comprehensive Plan                  339.49              712.93                611.09                1018.48
 CareAdvocate – West                     240.08              504.15                432.12                720.22
 CareAdvocate – Central                  284.93              598.35                512.88                854.79
 CareAdvocate – East                     298.28              626.37                536.90                894.83
 PPO Dental Plan                         33.13                59.63                53.01                  86.14
 Dental Assistance Plan                  14.18                36.11                29.54                  50.88
 Vision Service Plan                      9.77                14.66                13.68                  27.36




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Glossary of Terms for the Health Plan
Accidental injury. Physical harm or disability which is the result of a specific unexpected
incident caused by an outside force. The physical harm or disability must have occurred at an
identifiable time and place. Accidental injury does not include illness or infection, except
infection of a cut or wound.

Advanced Reproductive Technology. Advanced treatment for Infertility including only invitro
fertilization (IVF), gamete intrafallopian transfer (GIFT), zygote intrafallopian transfer (ZIFT),
cryopreserved embryo transfer or intracytoplasmic sperm injection (ICSI) or ovum microsurgery.

Alcoholism. A condition of addiction or abuse caused by the use of alcohol.

Ambulatory surgical center. A freestanding outpatient surgical facility. It must be licensed as
an outpatient clinic according to state and local laws and must meet all requirements of an
outpatient clinic providing surgical services. It must also meet accreditation standards of the
Joint Commission on Accreditation of Health Care Organizations or the Accreditation
Association of Ambulatory Health Care.

Annual Open Enrollment. The specified period prior to the beginning of each Calendar Year
during which team members who satisfy the applicable eligibility requirements may make
changes to their existing coverage.

Authorized referral. Occurs when you, because of your medical needs, are referred to a non-
participating provider, but only when:
1. There is no participating provider who practices in the appropriate specialty, which provides
   the required services, or which has the necessary facilities within a 50-mile radius of your
   residence;
2. You are referred in writing to the non-participating provider by the physician who is a
   participating provider, and
3. The referral has been authorized by the claims administrator before services are rendered.

Beneficiary. The team member or the team member’s eligible dependent.

Birthing Center. A facility licensed to deliver babies, provided that such services are furnished
under the care of a physician or licensed nurse/midwife.

Centers of Expertise (COE). Health care providers which have a Centers of Expertise
Agreement in effect with the claims administrator at the time services are rendered. COE agree
to accept the COE negotiated rate as payment in full for covered services. If you receive a
covered transplant at a COE facility, travel for yourself and a partner may be covered by the Plan
at the prevailing rate determined by the case manager based on reasonable and customary travel
costs at the time and place of your procedure. A participating provider in the Prudent Buyer
CareAdvocate Plan network is not necessarily a COE. A provider's participation in the Prudent
Buyer CareAdvocate Plan network or other agreement with the claims administrator is not a
substitute for a Centers of Expertise Agreement.




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Centers of Expertise negotiated rate (COE negotiated rate). The fee COE agree to accept as
payment for covered services. It is usually lower than their normal charge. COE negotiated
rates are determined by Centers of Expertise Agreements.

Centers of Expertise TransCareAdvocate Plant Facilities. The claims administrator has
established a Centers of Expertise (COE) network of transplant facilities to provide services for
specified organ transplants (heart, liver, lung, heart-lung, kidney-pancreas, or bone marrow,
including autologous bone marrow transplant, peripheral stem cell replacement and similar
procedures). These procedures are covered only at a COE. These "COE" agree to accept the
COE negotiated rate as payment in full for covered services. A participating provider in the
Prudent Buyer Plan network is not necessarily a Centers of Expertise transplant facility.

Claims administrator. Refers to BC Life & Health Insurance Company. On behalf of BC Life
& Health Insurance Company, Anthem Blue Cross shall perform all administrative services in
connection with the processing of claims under the Plan

Contracting hospital. A hospital which has a Standard Hospital Contract in effect with the
claims administrator to provide care to beneficiaries. A contracting hospital is not necessarily a
participating provider. A list of contracting hospitals will be sent on request.

Co-payment. The amount or percentage of covered expenses that you and the Plan
share, often after you pay the annual deductible. The Schedules of Benefits show the
amounts/percentages paid by the Plans.

Covered expense. The expense you incur for a covered service or supply, but not more than the
maximum amounts described in the Plan document. Expense is incurred on the date you receive
the service or supply.

Creditable coverage. An individual or group Plan that provides medical, hospital and surgical
coverage, including continuation or conversion coverage, coverage under a publicly sponsored
program such as Medicare or Medicaid, CHAMPUS, the Federal Employees Health Benefits
Program, programs of the Indian Health Service or of a tribal organization, a state health benefits
risk pool, or coverage through the Peace Corps. Creditable coverage does not include accident
only, credit, coverage for on-site medical clinics, disability income, coverage only for a specified
disease or condition, hospital indemnity or other fixed indemnity insurance, Medicare
supplement, long-term care insurance, dental, vision, workers' compensation insurance,
automobile insurance, no-fault insurance, or any medical coverage designed to supplement other
private or governmental plans.
You are considered to have been covered under a creditable coverage if you: (1) were covered
under a creditable coverage on the date that coverage terminated; (2) were in an eligible status
under this Plan within 63 days of termination of the creditable coverage; and (3) properly
enrolled for coverage on or before your eligibility date.

Custodial care. Care provided primarily to meet your personal needs. This includes help in
walking, bathing or dressing. It also includes preparing food or special diets, feeding,
administration of medicine which is usually self-administered or any other care which does not
require continuing services of medical personnel.




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Day treatment center. Is an outpatient psychiatric facility which is licensed according to state
and local laws to provide outpatient programs and treatment of mental or nervous disorders,
severe mental disorders, or substance abuse under the supervision of physicians.

Deductible. The amount you pay out-of-pocket before the Plan begins to pay part of the
cost. The individual deductible is the amount you pay for any one person each Calendar
Year; the family deductible is the maximum deductible you pay each Calendar Year
toward all members of your family - no matter how many dependents are covered by the
Plan. The individual and family deductibles must be met each Calendar Year.

It is not necessary to meet the family deductible for an individual family member's
expenses to be paid. After the expenses of a family member exceed the individual
deductible limit, the expenses will be paid at the applicable percent of allowable charges.

Dependent

       •   Your legal spouse as defined by the Internal Revenue Code.

       •   Your domestic partner.

       •   Your or your domestic partner's children, including legally adopted children, children
           placed with you for adoption, or foster children (unless placed through a state
           controlled agency and/or coverage is required per the state) and stepchildren, until
           their 23rd birthday, provided they are unmarried and dependent upon you for support
           and maintenance (determined in accordance with the Internal Revenue Code).

       •   Your or your domestic partner's unmarried enrolled child, incapable of self-support
           because of mental retardation or physical handicap, may continue as a Dependent.
           Verification by the attending physician of the child's status as incapable of self-
           support because of mental retardation or physical handicap must be received by the
           Plan Administrator before the 23rd birthday.

       •   A person who qualifies as both a covered member and a dependent is eligible to be
           covered as both a covered member and a dependent (if the applicable payroll
           deduction is authorized). When both parents are covered members, both parents may
           enroll dependent children and the coordination of benefits rules of this summary will
           apply.

Domestic Partner. An unmarried individual who resides together with you (if you are also
unmarried) at the same address in a committed relationship and who has so resided with you
continuously for no less than one year, provided that such domestic partner and you: (i) are both
mentally competent and of legal age to consent; (ii) have no other domestic partners and have not
signed a domestic partner declaration with any other person within the last 12 months; (iii) are
not related by blood close enough to prohibit legal marriage; (iv) are financially interdependent;
and (v) sign such affidavits and other documents as may be required by FedEx Kinko’s.

Effective date. The date your coverage begins under this Plan.




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Emergency. A sudden and unexpected onset of a medical condition manifesting itself by acute
symptoms of sufficient severity that the absence of immediate medical assistance could
reasonably result in:

       •   Permanently placing you or your enrolled Dependent's health in jeopardy, or

       •   Causing serious and permanent dysfunction of any bodily organ or part, or

       •   Causing serious impairment to bodily functions, or

       •   Causing other serious medical consequences, or

       •   Loss of life.

Final determination as to whether services were rendered in connection with an emergency will
rest solely with the claims administrator.

Emergency services. Services provided in connection with the initial treatment of a medical or
psychiatric emergency.
Employer. FedEx Kinko’s Office and Print Services, Inc. or any related or subsidiary employer
which has adopted this Plan as a participating employer.

Enrollment Date. The first day of an enrolled person's waiting period or, if earlier, the person's
date of enrollment in the Plan.

ERISA. Employee Retirement Income Security Act of 1974, as amended.

Experimental. A surgical procedure or investigative therapy or treatment, including but not
limited to any procedure, device, drug or medicine or the use thereof which falls within any of
the following categories:

       •   It is considered by any government agency or subdivision including but not limited to
           the Food and Drug Administration, the Office of Health Technology Assessment, or
           HCFA Medicare Coverage Issues Manual to be:

           -- Experimental or investigational;

           -- Not considered reasonable and necessary; or

           -- Any similar finding;

       •   It is not covered under Medicare reimbursement laws, regulations or interpretations;
           or

       •   It is not commonly and customarily recognized by the medical profession in the state
           of California as appropriate for the condition being treated.




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Extended Care Facility

       •   A facility owned and operated by a Hospital or under written contract with a Hospital;

       •   A distinct part of a Hospital; or

       •   A facility or distinct part of a facility that meets the requirements for approved
           operation under Medicare.

All of the following must be true; the facility must:

       •   Be operated, including any necessary licensing, according to the laws of the state or
           locality in which it is located;

       •   Be primarily engaged in providing care for persons recovering from Illness or Injury;

       •   Be under the supervision of a physician or staff of physicians on call at all times; and

       •   Provide all of the following:

           -- Room and board;

           -- Skilled 24 hour-a-day inpatient nursing services. A full-time registered nurse
               (R.N.) or other nursing staff under the supervision of a physician or registered
               nurse on duty at least eight hours per day;

           -- Adequate daily medical records for each patient; and

           -- Necessary and customary special services.

An Extended Care Facility is not an institution that is mainly a clinic, rest home, home for the
aged, or place for custodial care.

Home Health Care Agency

       •   A home health agency as defined under Medicare and/or accredited by a recognized
           accrediting agency such as the Joint Commission on the Accreditation of Healthcare
           Organizations;

       •   An agency which is licensed by the state in which it is located as a home health
           agency; or

       •   An agency or organization which provides a program of home health care which
           meets all of the following requirements:

           -- It is certified by the patient's physician as an appropriate provider of home health
               services;

           -- It has a full-time administrator;




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           -- It maintains written records of services provided to the patient; and

           -- The staff includes at least one Registered Nurse (R.N.) or nursing care by a
               Registered Nurse (R.N.) is available.

Home Health Care Plan. A home health care program prescribed in writing by a person's
attending physician for the care and treatment of the person's Illness in that person's home. Such
program includes a physician's certification that, in the absence of that program, the person
would require inpatient confinement in a Hospital or Extended Care Facility.

Home infusion therapy provider. A provider licensed according to state and local laws as a
pharmacy, and must be either certified as a home health care provider by Medicare, or accredited
as a home pharmacy by the Joint Commission on Accreditation of Health Care Organizations.

Hospice. A public agency or private organization primarily engaged in providing palliative care
(pain control and symptom relief) to terminally ill persons under a written plan which is
established and periodically reviewed by the terminally ill person's attending physician and by
the medical director and interdisciplinary team of the Hospice. The Hospice meets the
requirements of a hospice program as defined by Medicare, including, but not limited to, the
following:

       •   It provides hospice care and makes such care available (as needed) on a 24-hour
           basis. Care may be provided in the home or on an inpatient basis.

       •   It provides supportive care and bereavement counseling for the immediate family of
           terminally ill persons;

       •   It has an interdisciplinary team that establishes its policies governing the provision of
           hospice care, which includes at least one physician, one registered professional nurse,
           one social worker and one pastoral or other counselor, and which acts under the
           guidance of a full-time hospice administrator;

       •   It maintains central clinical records on all patients;

       •   It utilizes volunteers in the provision of hospice care and maintains records regarding
           the use of such volunteers;

       •   It is certified by Medicare as a hospice or recognized by Medicare as a hospice
           demonstration site

       •   If it is located in a state or locality which provides for the licensing of Hospice
           programs, it is licensed pursuant to such law; and

       •   It is accredited by the Joint Commission on Accreditation of Health Care
           Organizations.

A list of hospices meeting these criteria is available upon request.




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Hospital. An institution which is primarily engaged in providing medical care and treatment to
the sick and injured, on an inpatient basis, at the patient's expense and which fully meets the
requirements of (a) or (b) below:

(a)    An institution that is operated according to the local laws pertaining to hospitals which:

       •   Is primarily engaged in providing diagnosis, treatment and care of injured or sick
           patients by or under the supervision of physicians for a fee;

       •   Has a staff of one or more physicians available at all times;

       •   Continuously provides 24-hour nursing service by registered nurses or other nursing
           services reporting to the physician in charge;

       •   Maintains facilities for major surgery and is not primarily a nursing home or a place
           of rest for the aged, a place for the treatment of drug addicts, alcoholics, or the
           mentally ill; and

       •   Is registered as a general hospital by the American Hospital Association and is
           accredited by the Joint Commission on Accreditation of Health Care Organizations.

(b)    A psychiatric hospital (only for the acute phase of a mental or nervous disorder), a
       residential treatment center or Ambulatory Surgical Center that is licensed in the state in
       which it operates and is accredited by the Joint Commission on Accreditation of Health
       Care Organizations.

Hospital Confinement or Confined in a Hospital. A continuous stay as a registered bed
patient in a Hospital or Hospitals, Extended Care Facility or combination thereof, due to an
Illness or Injury diagnosed by a physician.

Illness. Sickness or disease which requires treatment by a physician.

Infertility. The inability to conceive a pregnancy or to carry a pregnancy to a live birth after a
year or more of regular sexual relations without contraception.




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Infertility Specialist. A gynecologist/obstetrician who has an American Boards Subspecialty in
Reproductive Endocrinology.

Injury. A condition caused by accidental means which results in damage to a person's body
from an external force. A hernia of any kind will be considered as a claim under the definition of
Illness, and not resulting from accidental injury. All Injuries sustained in any one accident will
be considered one Injury.

Intensive Care. A service which is reserved for critically and seriously ill patients requiring
constant audio-visual surveillance and prescribed by the attending physician, and which provides
room and board, care by registered nurses or other highly trained Hospital personnel, and special
equipment and supplies immediately available on a standby basis, and is rendered at a location
segregated from the rest of the Hospital's facilities. This term does not include care in a surgical
recovery room.

Maximum Benefits. You or your enrolled dependents each have $2,000,000 of lifetime
benefits. Separate limits apply to certain types of care, such as alcoholism and chemical
dependency, mental health, and in-vitro fertilization services.

Medical Case Management. A voluntary program in which a person who has a catastrophic
Illness or Injury may participate and which is designed to provide the most appropriate and cost
effective medical care.

Medically Necessary or Necessary. Services, supplies or procedures provided by a hospital,
physician, or other licensed health care provider not excluded under this Plan, to treat or
diagnose a sickness or injury and which, as determined by the Plan Administrator, are:

       •   Ordered by a physician or licensed health care provider and consistent with the
           symptoms or diagnosis and treatment of the sickness or injury;

       •   Not primarily for the convenience of you or your enrolled dependents or the
           physician or other licensed health care provider;

       •   The most appropriate standard or level of services which accord with good medical
           practice and can be safely provided to you or your enrolled dependents. The most
           appropriate procedure, supply, equipment or service must satisfy the following
           requirements:

               •   There must be valid scientific evidence demonstrating that the expected health
                   benefits from the procedure, supply, equipment or service are clinically
                   significant and produce a greater likelihood of benefit, without a
                   disproportionately greater risk of harm or complications, for you with the
                   particular medical condition being treated than other possible alternatives; and
               •   Generally accepted forms of treatment that are less invasive have been tried
                   and found to be ineffective or are otherwise unsuitable; and
               •   For hospital stays, acute care as an inpatient is necessary due to the kind of
                   services you are receiving or the severity of your condition, and safe and




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                   adequate care cannot be received by you as an outpatient or in a less
                   intensified medical setting.

               •   Approved by regulatory authorities, such as but not limited to, the Food and
                   Drug Administration, Healthcare Financing Administration (HCFA) and the
                   American Medical Association.

Diagnostic x-ray and Laboratory services are medically necessary when:

       •   Performed due to definite symptoms of sickness or Injury; or

       •   They reveal the need for treatment.

Mental or nervous disorders. Mental illness or functional nervous disorder. For purposes of
this Plan, the term "mental illness" refers to any and all illnesses that are manifested by
significant learning disabilities or by aberrant behavior (including, but not limited to, depression,
mood swings, hyperactivity, suicidal or self-abusive behavior, or other unusual behavior),
regardless of whether the cause of the illness is physical, environmental or otherwise, and
regardless of whether the treatment of the illness focuses on the symptoms or the cause of the
illness, and includes, but is not limited to, all illnesses classified as mental disorders in the
Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition - Revised, published by
the American Psychiatric Association, as such publication shall be revised and amended from
time to time.

Negotiated rate. The amount participating providers agree to accept as payment in full for
covered services. It is usually lower than their normal charge. Negotiated rates are determined
by Prudent Buyer Plan Participating Provider Agreements.

Non-contracting hospital. A hospital which does not have a Standard Hospital Contract in
effect with the claims administrator at the time services are rendered.

Non-participating provider. One of the following providers which does NOT have a Prudent
Buyer Provider Agreement in effect with the claims administrator at the time services are
rendered:
1.     A hospital;
2.     A physician;
3.     An ambulatory surgical center;
4.     A home health agency;
5.     A facility which provides diagnostic imaging services;
6.     A durable medical equipment outlet;
7.     A skilled nursing facility;
8.     A clinical laboratory; or
9.     A home infusion therapy provider.




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 Non-participating providers have not agreed to participate in the Prudent Buyer Plan network.
They have not agreed to the negotiated rates and other provisions of a Prudent Buyer Plan
contract. In the CareAdvocate Plan, services from Non-Participating Providers are not
covered except in the case of an emergency.

Nutrition and Weight Control. A professionally recognized, licensed managed program for
purposes of nutrition and weight control. Commercially marketed food products are not a
recognized nutrition and weight control benefit.

Other Health Care Providers. "Other Health Care Providers" are neither physicians nor
hospitals. The provider must be licensed according to state and local laws to provide covered
medical services. Other health care providers are not part of the Prudent Buyer Plan provider
network. Examples of Other health care providers are:
1. A certified registered nurse anesthetist;
2. A blood bank;
3. A licensed ambulance company; or
4. A hospice.

Out-of-Pocket Maximum. The amount you pay in a Calendar Year (after satisfying the
deductible) before the Plan pays 100% of covered charges for the remainder of the Calendar
Year. The individual out-of-pocket maximum is the amount you pay for any one person each
Calendar Year; the family out-of-pocket maximum is the maximum amount you pay each
Calendar Year toward all members of your family - no matter how many dependents are covered
by the Plan. The out-of-pocket maximum does not apply to certain types of care, such as
smoking cessation programs, nutrition and weight control, penalties, deductibles, and co-pays.
The separate Emergency Room deductible, as well as charges excluded from payment or
disallowed under the Plan, do not go toward your individual or family Calendar Year deductibles
or out-of-pocket maximums.

Participating Employer. Such related or subsidiary Employer that adopts this Plan with the
consent of FedEx Kinko’s Office and Print Services, Inc.

Participating Providers. The Plan has made available to the beneficiaries a network of various
types of "Participating Providers". These providers are called "participating" because they have
agreed to participate in the claims administrator’s participating provider organization program
(PPO), called the Prudent Buyer Plan. Participating providers agree to accept the negotiated rate
as payment for covered services. Examples of Participating Providers are:

1.     A hospital;
2.     A physician;
3.     An ambulatory surgical center;
4.     A home health agency;
5.     A facility which provides diagnostic imaging services;
6.     A durable medical equipment outlet;
7.     A skilled nursing facility;




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8        A clinical laboratory; or
9        A home infusion therapy provider.

Physician.
1. A doctor of medicine (M.D.) or doctor of osteopathy (D.O.) who is licensed to practice
   medicine or osteopathy where the care is provided; or
2. One of the following providers, but only when the provider is licensed to practice where the
   care is provided, is rendering a service within the scope of that license, is providing a service
   for which benefits are specified in this booklet, and when benefits would be payable if the
   services were provided by a physician as defined above:
    a.   A dentist (D.D.S.)
    b.   An optometrist (O.D.)
    c.   A dispensing optician
    d.   A podiatrist or chiropodist (D.P.M., D.S.P. or D.S.C.)
    e.   A licensed clinical psychologist
    f.   A chiropractor (D.C.)
    g.   An acupuncturist (A.C.)
    h.   A clinical social worker (L.C.S.W.)
    i.   A marriage and family therapist (M.F.T.)
    j.   A physical therapist (P.T. or R.P.T.)
    k.   A speech pathologist
    l.   An audiologist
    m.   An occupational therapist (O.T.R.)
    n.   A respiratory care practitioner (R.C.P.)
    o.   A psychiatric mental health nurse (R.N.)
    p.   A nurse midwife*
    q.   A registered dietitian (R.D.) for the provision of diabetic medical nutrition therapy only
Note: In the CareAdvocate Plan, the providers indicated in section 2 are covered only when pre-
notified by a Anthem Blue Cross CareAdvocate.
*If there is no nurse midwife who is a participating provider in your area, you may call the
Customer Service telephone number on your ID card for a referral to an OB/GYN.

Plan. FedEx Kinko’s Office and Print Services, Inc. Health Plan.

Plan Administrator. FedEx Kinko’s Office and Print Services, Inc. or such individuals or
committee as appointed by FedEx Kinko’s Office and Print Services, Inc.

Plan Coverage Option. The medical coverage option (either Catastrophic Medical Plan,
Comprehensive Medical Plan or CareAdvocate plan) you may choose under the Plan. The
deductible amounts, benefit percentages, copays, out-of-pocket maximums, and covered
expenses differ with each option as described in this booklet.




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Pre-existing Condition. Any condition for which medical advice, diagnosis, care or treatment
was recommended or received within the six month period ending on your or your dependent's
enrollment date.

Preferred Provider Organization or PPO Provider. Any health care facility or provider
which is designated by FedEx Kinko’s Office and Print Services, Inc.'s designated vendor as a
member of the network that has contracted to accept reduced fees for health care services
furnished to persons enrolled in the Catastrophic Medical Plan, the Comprehensive Medical
Plan, the CareAdvocate Plan, the PPO/Indemnity Dental Plan or the Dental Assistance Plan. A
separate Preferred Provider Organization has contracted to accept reduced fees for vision care
services furnished to persons enrolled in the vision coverage described in this section.

Pre-natal Care. Physician services and medically necessary diagnostic procedures related to
pregnancy.

Primary Care Physician. The Provider who (a) you select from the list of primary care
physicians furnished by the Claims Administrator, (b) is responsible for your on-going health
care, and (c) is shown on the Claims Administrator's records as your primary care physician.

Prosthetic devices. Appliances which replace all or part of a function of a permanently
inoperative, absent or malfunctioning body part. The term "prosthetic devices" includes orthotic
devices, rigid or semi-supportive devices which restrict or eliminate motion of a weak or
diseased part of the body.

Psychiatric health facility. An acute 24-hour facility as defined in California Health and Safety
Code 1250.2. It must be:
1. Licensed by the California Department of Health Services;
2. Qualified to provide short-term inpatient treatment according to state law;
3. Accredited by the Joint Commission on Accreditation of Health Care Organizations; and
4. Staffed by an organized medical or professional staff which includes a physician as medical
   director.
Benefits provided for treatment in a psychiatric health facility which does not have a Standard
Hospital Contract in effect with the claims administrator will be subject to the non-contracting
hospital penalty in effect at the time of service.

Psychiatric mental health nurse. A registered nurse (R.N.) who has a master's degree in
psychiatric mental health nursing, and is registered as a psychiatric mental health nurse with the
state board of registered nurses.

Reasonable charge. A charge the claims administrator considers not to be excessive based on
the circumstances of the care provided, including: (1) level of skill; experience involved; (2) the
prevailing or common cost of similar services or supplies; and (3) any other factors which
determine value.




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Reproductive Health Care Services. Some hospitals and other providers do not provide one or
more of the following services that may be covered under your CareAdvocate Plan and that you
or your family member might need: family planning; contraceptive services, including
emergency contraception; sterilization, including tubal ligation at the time of labor and delivery;
infertility treatments; or abortion. You should obtain more information before you enroll. Call
your prospective physician or clinic, or call us at the customer service telephone number listed
on your ID card to ensure that you can obtain the health care services that you need.

Residential treatment center. An inpatient treatment facility where the beneficiary resides in a
modified community environment and follows a comprehensive medical treatment regimen for
treatment and rehabilitation as the result of a mental disorder or substance abuse. The facility
must be licensed to provide psychiatric treatment of mental disorders or rehabilitative treatment
of substance abuse according to state and local laws.

Room and Board. All charges commonly made by a Hospital on its own behalf for a bed, meals
and for all general services and activities essential for the care of registered bed patients.

Semi-private Accommodations. A Hospital or Extended Care Facility room containing two or
more beds for other than intensive care.

Skilled nursing facility. An institution that provides continuous skilled nursing services. It
must be licensed according to state and local laws and be recognized as a skilled nursing facility
under Medicare.

Smoking Cessation Program. A program that has a recognized, established smoking cessation
plan and any related prescription or services.

Special care units. Special areas of a hospital which have highly skilled personnel and special
equipment for acute conditions that require constant treatment and observation.

Specialist. A physician who is not a general practitioner, internist, family practitioner, nurse
practitioner, pediatrician, gynecologist, or obstetrician.

Spouse. As defined by Internal Revenue Code, a person of the opposite sex who is a husband or
wife.

Stay. Inpatient confinement which begins when you are admitted to a facility and ends when
you are discharged from that facility.




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Team Member. The person who, by meeting the Plan’s eligibility requirements for employees,
is allowed to choose membership under this Plan for himself or herself and his or her eligible
dependents. Team members are individuals employed as a common law employee of FedEx
Kinko’s, who is classified by FedEx Kinko’s as a regular team member, is being compensated
for specified duties performed, and is not a resident of a foreign country who is covered by a
mandated health plan.

Terminally Ill. Determined when a physician and the medical director of a hospice have
certified in writing to the Plan Administrator that you or your enrolled Dependent has a life
expectancy of six months or less.

Totally disabled dependent. A dependent who is unable to perform all activities usual for
persons of that age.

Totally disabled employee. An employee who, because of illness or injury, is unable to work
for income in any job for which he/she is qualified or for which he/she becomes qualified by
training or experience, and who is in fact unemployed.

Usual, Customary and Reasonable (UCR). Charges in the 80th percentile of the normal and
necessary charges made for similar services by the providers of medical service with like
experience, education and training, who are practicing in the same geographic area.

Utilization Review Program. The program designated by the Claims Administrator to ensure
that all Hospital stays and lengths of stay are Medically necessary and provide any other services
determined appropriate by the Plan Administrator.

Well Baby/Well Child Care. Routine well baby/child medical checkups, inoculations and
vaccines furnished to covered dependents who do not exceed 7 years of age.

Year or calendar year. A 12 month period starting January 1 at 12:01 a.m. Central Standard
Time.

You (your). Refers to the team member and dependents who are enrolled for benefits under this
Plan.




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Legal Notifications
General Plan Information
The Plan Administrator and the FedEx Kinko’s Office and Print Services, Inc. Benefit
Committee ("the Committee") are responsible for interpreting and administering the terms and
provisions of the Plans. The Plan Administrator, the Committee, and any representative whom
they choose to assist them to carry out their responsibilities under the Plans, will have the
maximum discretionary authority permitted by law to interpret, construe and administer the
Plans, to make determinations regarding Plan participation, enrollment and eligibility for
benefits, to evaluate and determine the validity of benefit claims, and to resolve any and all
claims and disputes, regarding the rights and entitlements of individuals to participate in the
Plans and to receive benefits and payments pursuant to the Plans.

The decisions of the Plan Administrator, the Committee, and their representatives will be given
the maximum deference permitted by law.


What is the Summary Plan Description
Since this is the current description of FedEx Kinko’s Benefits programs, it takes the place of
any older Summary Plan Descriptions you may have.

This Summary Plan Description ("SPD") describes the benefits available to eligible team
members and their eligible dependents, under the FedEx Kinko’s Benefits Program, which
includes all of the health and welfare benefits sponsored by FedEx Kinko’s Office and Print
Services, Inc. and the FedEx Kinko’s Educational Assistance Plan.

Every effort has been made to make this SPD as complete and comprehensive as possible.
However, not all of the details of the different plans are provided. A complete copy of the
official plan documents or policies, which are the governing documents on plan benefits,
eligibility, coverage, definitions and other aspects of the Plans, are on file in the FedEx Kinko’s
Benefits Department. It is important to note that in the case of any conflict between the official
Plan Documents and this summary (or any communications), the terms of the official Plan
document will prevail.

All statements contained in this SPD are intended to reflect general policies, principles and
procedures. They do not represent a contractual commitment on the part of FedEx Kinko’s
Office and Print Services, Inc. and they may be changed at any time without prior notice. While
FedEx Kinko’s intends to maintain these plans for an indefinite period of time, it does reserve
the right, at all times, and to the extent permitted by law, to change, terminate or discontinue any
of the benefits or benefit plans. This includes the right to institute or increase a charge for the
coverage(s) provided. This can occur without the consent of, and without prior notice to, any
active or retired person, eligible dependent, or beneficiary covered by the benefits.

If you have any questions regarding eligibility, coverage changes, or general plan issues
involving health, dental, vision, prescription drug, life or disability, contact the FedEx Kinko’s
Benefits Service Center.




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Please be sure to keep this SPD with other important documents that you may have.


Determining Team Member Status
As explained in the section entitled "Eligibility," only team members who satisfy the conditions
of eligibility will be entitled to benefits. Those who are not regular team members of FedEx
Kinko’s Office and Print Services, Inc., such as independent contractors and individuals who
contract with third parties to perform services for FedEx Kinko’s Office and Print Services, Inc.,
are not eligible for benefits. All determinations concerning whether any individuals or groups
should be classified as team members will be made by FedEx Kinko’s Office and Print Services,
Inc. in its sole and absolute discretion. In the unlikely event that a government agency or court
issues a final, binding decision that certain individuals or groups must be reclassified as team
members, FedEx Kinko’s Office and Print Services, Inc. will change the status of those
individuals to team member status on the first day of the calendar year following the date of the
final, binding decision. Any person whose status is changed to team member status and who
then satisfies the conditions of eligibility will be eligible for benefits.


Your Statement of Rights under ERISA
As a participant in FedEx Kinko’s Benefit Plans, you are entitled to certain rights and protections
under the Employee Retirement Income Security Act (ERISA) of 1974. ERISA provides that all
Plan participants will be entitled to:

•   Examine, without charge, at the Plan Administrator's office and at other specified locations,
    such as work sites and union halls, all Plan documents, including insurance contracts,
    collective bargaining agreements and copies of all documents filed by the Plan with the
    Pension and Welfare Benefits Administration, U.S. Department of Labor, such as detailed
    annual reports and plan descriptions.

•   Obtain copies of all Plan documents and other Plan information upon written request to the
    Plan Administrator. The Plan Administrator may make a reasonable charge for the copies.

•   Receive a summary of the Plan's annual financial report. The Plan Administrator is required
    by law to furnish each participant with a copy of this summary annual report.

•   Obtain a statement telling you whether you have a right to receive a pension at normal
    retirement age and, if so, what your benefits would be at normal retirement age if you stop
    working under the Plan now. If you do not have a right to a pension, the statement will tell
    you how many more years you have to work to get a right to a pension. This statement must
    be requested in writing and is not required to be given more than once a year. The Plan must
    provide the statement free of charge.

•   Continue health care coverage for yourself, spouse or dependent if there is a loss of coverage
    under the plan as a result of a qualifying event. You or your dependents may have to pay for
    such coverage. Review this summary plan description and the documents governing the plan
    on the rules governing your COBRA continuation coverage rights.




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•   Reduction or elimination of exclusionary periods of coverage for preexisting conditions
    under your group health plan, if you have creditable coverage from another plan. You should
    be provided a certificate of creditable coverage, free of charge, from your group health plan
    or health insurance issuer when you lose coverage under the plan, when you become entitled
    to elect COBRA continuation coverage, when your COBRA continuation coverage ceases, if
    you request it before losing coverage, or if you request it up to 24 months after losing
    coverage. Without evidence of creditable coverage, you may be subject to a preexisting
    condition exclusion for 12 months after your enrollment date in your coverage.

In addition to creating rights for Plan participants, ERISA imposes duties upon the people who
are responsible for the operation of the employee benefit plan. The people who operate your
Plan, called fiduciaries of the Plan, have a duty to do so prudently and in the interest of you and
other Plan participants and beneficiaries. No one, including your employer, your union or any
other person, may fire you or otherwise discriminate against you in any way to prevent you from
obtaining a pension benefit or exercising your rights under ERISA.

If your claim for a benefit is denied or ignored, in whole or in part, you have a right to know why
this was done, to obtain copies of documents relating to the decision without charge, and to
appeal any denial, all within certain time schedules.

Under ERISA, there are steps you can take to enforce the above rights. For instance, if you
request materials from the Plan Administrator and do not receive them within 30 days, you may
file suit in a federal court. In such a case, the court may require the Plan Administrator to
provide the materials and pay you up to $110 a day until you receive the materials, unless the
materials were not sent because of reasons beyond the control of the Plan Administrator.

If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit
in a state or federal court. In addition, if you disagree with the Plan's decision or lack thereof
concerning the qualified status of a domestic relations order or a medical child support order, you
may file suit in federal court. If it should happen that Plan fiduciaries misuse the Plan's money,
or if you are discriminated against for asserting your rights, you may seek assistance from the
U.S. Department of Labor, or you may file suit in a federal court. The court will decide who
should pay court costs and legal fees. If you are successful, the court may order the person you
have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and
fees, for example, if it finds your claim is frivolous.

If you have any questions about your Plan, you should contact the Plan Administrator. If you
have any questions about this statement or about your rights under ERISA, contact the nearest
area office of the Employee Benefits Security Administration, U.S. Department of Labor, listed
in your telephone directory, or the Division of Technical Assistance and Inquiries, Employee
Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W.,
Washington, D.C. 20210. You may also obtain certain publications about your rights and
responsibilities under ERISA by calling the publications hotline of the Employee Benefits
Security Administration.




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FedEx Kinko’s Rights

While FedEx Kinko’s Office and Print Services, Inc. intends to continue the Plans indefinitely, it
does reserve the right to the extent permitted by law to unilaterally modify, change or terminate
the Plans at any time, without the consent of, and without prior notice to, any participant,
including the rights to:

•   Change any amounts contributed toward the charges for providing benefits by the sponsor or
    the covered person,

•   Change the levels of benefits provided,

•   Change the class or classes of covered persons eligible for benefits,

•   Terminate a plan in its entirety or with respect to any covered class or classes.




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Filing Claims under the Health Plan
Benefits are ordinarily paid using the forms and/or procedures described throughout the
Summary Plan Description. You may file claims for Plan benefits, and appeal adverse claim
decisions, either yourself or through an authorized representative. If your claim is denied in
whole or in part, you will receive a written notice of the denial from Anthem Blue Cross. The
notice will explain the reason for the denial and the review procedures.

An "authorized representative" means a person you authorize, in writing, to act on your behalf.
The Plan will also recognize a court order giving a person authority to submit claims on your
behalf, except that in the case of a claim involving urgent care, a health care professional with
knowledge of your condition may always act as your authorized representative.

Urgent Care Claims

If your claim involves "Urgent Care," you will be notified of the decision not later than 72 hours
after the claim is received.

A claim involving "Urgent Care" is a claim that, if decided within the time frames for making
non-urgent decisions, could seriously jeopardize your life or health, or cause you severe pain that
cannot be adequately managed. A person acting on behalf of the Plan generally will decide
whether delaying a decision on a claim could seriously jeopardize your life or health, using the
judgment of a prudent layperson with average knowledge of health and medicine. However, if a
physician with knowledge of your condition determines your claim involves Urgent Care, the
Plan will treat it as a claim involving Urgent Care.

If there is not sufficient information to decide the claim, you will be notified of the information
necessary to complete the claim as soon as possible, but not later than 24 hours after receipt of
the claim. You will be given a reasonable additional amount of time, but not less than 48 hours,
to provide the information, and you will be notified of the decision not later than 48 hours after
the end of that additional time period (or after receipt of the information, if earlier).

Other Claims (Pre-Service and Post-Service)

If the Plan requires you to obtain advance approval of a service, supply or procedure before a
benefit will be payable, a request for advance approval is considered a pre-service claim. You
will be notified of the decision not later than 15 days after receipt of the pre-service claim.

For other claims (post-service claims), you will be notified of the decision not later than 30 days
after receipt of the claim.

For a pre-service or a post-service claim, these time periods may be extended up to an additional
15 days due to circumstances outside the Plan's control. In that case, you will be notified of the
extension before the end of the initial 15 or 30-day period. For example, they may be extended
because you have not submitted sufficient information, in which case you will be notified of the




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specific information necessary and given an additional period of at least 45 days after receiving
the notice to furnish that information. You will be notified of the Plan's claim decision no later
than 15 days after the end of that additional period (or after receipt of the information, if earlier).

For pre-service claims which name a specific claimant, medical condition, and service or supply
for which approval is requested, and which are submitted to a Plan representative responsible for
handling benefit matters, but which otherwise fail to follow the Plan's procedures for filing pre-
service claims, you will be notified of the failure within 5 days (within 24 hours in the case of an
urgent care claim) and of the proper procedures to be followed. The notice may be oral unless
you request written notification.

Ongoing Course of Treatment

If you have received pre-authorization for an ongoing course of treatment, you will be notified in
advance if the Plan intends to terminate or reduce benefits for the previously authorized course
of treatment so that you will have an opportunity to appeal the decision before the termination or
reduction takes effect. If the course of treatment involves urgent care, and you request an
extension of the course of treatment at least 24 hours before its expiration, you will be notified of
the decision within 24 hours after receipt of the request.

Note: If applicable state law requires the Plan to take action on a claim or appeal in a shorter
timeframe, the shorter period will apply.

Notice of Claim Denial

If your claim for benefits is denied, in whole or in part, you will receive a written or electronic
notice of your denial from Anthem Blue Cross. The notice will be written in a manner calculated
to be understood by you and will include:

(a)    The specific reason(s) for the denial,

(b)    References to the specific Plan provisions on which the benefit determination was based,

(c)    A description of any additional material or information necessary for you to perfect the
claim and an explanation of why such information is necessary,

(d)    A description of the Plan's appeals procedures and applicable time limits,

(e)     If a denial of a claim is based on an internal rule, guideline, or protocol, you will be
provided with either the rule, guideline, or protocol, or a statement that (i) the rule, guideline, or
protocol was relied upon in making the denial and (ii) a copy of the rule, guideline, or protocol
will be provided to you free of charge upon request,

(f)    If a denial of a claim is based on a medical necessity or experimental treatment or similar
exclusion or limit, you will be provided with either an explanation of the scientific or clinical
judgment for the denial or a statement that this explanation will be provided free of charge upon
request, and




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(g)    In the case of a claim involving Urgent Care, a description of the expedited review
process applicable to your claim. In such a case, the benefit denial information described above
may be provided to you orally with written or electronic notice to follow in three days.




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Claim Appeal Process
This section provides specific rules governing benefit claims and your right to appeal a decision
against you. There are different types of appeals, which have been classified to assist you
through the process. In general though if you have a benefit claim that is denied in whole or in
part you will receive a written notice of the denial from the claims administrator or from such
other entity that denied your claim. Thereafter you may file an appeal for review of the denial.

Please note that the Dental Assistance Plan, life insurance, and disability insurance provide their
own separate appeal procedures. For information concerning these procedures, refer to the
appropriate insurance booklet or certificate of insurance furnished separately to you, or contact
the FedEx Kinko’s Benefits Service Center.

Anthem Blue Cross Claims Appeals—Catastrophic Medical Plan, Comprehensive
Medical Plan, CareAdvocate Medical Plan, PPO Dental Plan

First Appeal

You will have 180 days following receipt of an adverse benefit decision to appeal the decision.
You may submit written comments, documents, records and other information relating to your
claim, whether or not the comments, documents, records or other information were submitted in
connection with the initial claim. You may also request that the Plan provide you, free of charge,
copies of all documents, records and other information relevant to the claim. Additionally, any
medical or vocational experts whose advice was obtained in the initial determination will be
disclosed. If your claim is based in whole or in part on a medical judgment, Anthem Blue Cross
will consult with a Health Care Professional who has appropriate training and experience in the
field of medicine involved in the medical judgment. This Health Care Professional will not be
an individual who was consulted for the initial claim or the subordinate of that person. You will
be notified of the decision on appeal not later than 15 days (for pre-service claims) or 30 days
(for post-service claims) after the appeal is received.

If your claim involves urgent care, an expedited appeal may be initiated by a telephone call to
Anthem Blue Cross Member Services. Anthem Blue Cross Member Services telephone number
is on your Identification Card. You or your authorized representative may appeal urgent care
claim denials either orally or in writing. All necessary information, including the appeal
decision, will be communicated between you or your authorized representative and the Plan by
telephone, facsimile, or other similar method. You will be notified of the decision not later than
36 hours after the appeal is received.


First level appeals must be submitted to:

Anthem Blue Cross Member Services
PO Box 60007
Los Angeles, CA 90060-0007




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Notice of Decision on Appeal

Anthem Blue Cross will notify you of the decision in writing or electronically. If your claim is
denied on appeal, the notice will include the following:

(a)    The specific reason(s) for the denial of your appeal and reference to the specific Plan
provisions on which the denial is based;

(b)     A statement that, upon request and free of charge, you will be provided with reasonable
access to, and copies of, documents, records, and other information relevant to your claim;

(c)     A statement regarding your appeal rights, including your right to bring an action under
section 502(a) of the Employee Retirement Income Security Act after your second appeal;

(d)     If an internal rule, guideline, protocol, or other similar criterion was relied upon in
denying your appeal, you will be provided with either the specific rule, guideline, protocol, or
criterion, or a statement that (i) an internal rule, guideline, protocol, or other similar criterion was
relied upon in denying your appeal and (ii) a copy of that rule, guideline, protocol, or criterion
will be provided free of charge upon your request; and

(e)    If the denial is based on a medical necessity or experimental treatment or similar
exclusion or limit, either an explanation of the scientific or clinical judgment for the denial,
applying the terms of the Plan to your medical circumstances, or a statement that such
explanation will be provided free of charge upon your request.

Second Appeal
If you are dissatisfied with the first appeal decision, you may file a second level appeal within
180 days of receipt of the level one appeal decision. The appeal will be handled in the same
timeframes as the first level appeal and you will be notified of the decision on your second
appeal in the manner described above, under the heading of Notice of Decision on Appeal.

The mailing address for second level may vary from the first level appeal address. If so, the
applicable address will be included in the response to the first level appeal.

Appeal to the FedEx Kinko’s Office and Print Services, Inc. Benefit Committee

If you disagree with the decision of the second appeal, you may file a final request for appeal
with the FedEx Kinko’s Office and Print Services, Inc. Benefit Committee. You must complete
all of the levels of appeal before you can appeal to the Committee. Subject to verification
procedures that the Plan may establish, a personal representative may act on your behalf in filing
and pursuing this voluntary appeal. You must request this appeal within 60 days after you
receive the final denial notice under the first and second level appeal process described above.

If you file an appeal to the Committee, any applicable statute of limitations will be tolled while
the appeal is pending. The filing of a claim will have no effect on your rights to any other
benefits under the Plan. However, the appeal to the Committee is voluntary and you are not




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required to undertake it before pursuing legal action. If you choose not to appeal to the
Committee, the Plan will not assert that you have failed to exhaust your administrative remedies
because of that choice.

If you choose to appeal to the Committee you must do so in writing, and you should send the
following information:

•   The specific reason(s) for the appeal;
•   Copies of all past correspondence with the Health Plan (including any Explanation of
    Benefits)
•   Any applicable information that you have not yet sent to the Health Plan.

If you file an appeal to the Committee, you will be deemed to authorize the Committee to obtain
information from the Health Plan relevant to your claim.

Mail your written appeal and all supporting documentation to:

FedEx Kinko’s Office and Print Services, Inc. Benefit Committee
Three Galleria Tower
13155 Noel Road
Suite 1600
Dallas, TX 75240

The Committee will review your appeal and evaluate your claim within 60 days of receipt of
your properly submitted appeal. If the Committee needs more time, the Committee may take an
additional 60-day period. The Committee will notify you in advance of this extension. The
Committee will follow relevant internal rules maintained by the Health Plan to the extent they do
not conflict with its own internal guidelines.

You and your representative can review Plan Documents that relate to your claim, and submit
written comments to the Committee.

The Committee will notify you of the final decision on your appeal electronically or in writing.
The written notice will give you the reason for the decision and what Plan provisions apply.

All decisions by the Committee with respect to your claim shall be final and binding.




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Health Care Reimbursement Account (HCRA) and Dependent Care Assistance
Program (DCAP) Appeals

Anthem Blue Cross (via their UniAccount division) administers these programs on behalf of
FedEx Kinko’s. HCRA claims and appeals are handled as post-service claims under the above
rules for "Filing Claims under the Health Plan."

In the case of the DCAP, within 90 days after receipt of a written claim application, Anthem
Blue Cross will approve or deny the claim, in writing. If your claim is denied, you will receive
an explanation that includes the specific reason for the denial, the specific reference to pertinent
Plan provisions on which the denial is based, a description of any additional information
necessary for perfecting your claim, an explanation of why such material is necessary, and an
explanation of the Plan's claim review procedure. If within 90 days of filing a claim you have
not received a notice denying your claim or a notice informing you that additional time is
required to process the claim, you may begin a review of your claim as described below:

If your claim is denied, you have the right to request, in writing, to Anthem Blue Cross, within
60 days after you receive notice that your claim has been denied, a review of your denied claim,
to review pertinent Plan documents and to submit written issues and comments.

The claim will then be reviewed by Anthem Blue Cross within 60 days after its receipt, and you
will receive written notice of the final decision by Anthem Blue Cross.

The notice of the final decision must be in writing and must include specific reasons for the
decision with specific references to the pertinent Plan provisions on which the decision is based.
Such decision will be the final administrative determination on your claim.

Educational Assistance Plan Appeals

HealthComp administers this program on behalf of FedEx Kinko’s. Within 90 days after receipt
of a written claim application, HealthComp will approve or deny the claim, in writing. If your
claim is denied, you will receive an explanation that includes the specific reason for the denial,
the specific reference to pertinent Plan provisions on which the denial is based, a description of
any additional information necessary for perfecting your claim, an explanation of why such
material is necessary, and an explanation of the Plan's claim review procedure. If within 90 days
of filing a claim you have not received a notice denying your claim or a notice informing you
that additional time is required to process the claim, you may begin a review of your claim as
described below:

If your claim is denied, you have the right to request, in writing, to HealthComp, within 60 days
after you receive notice that your claim has been denied, a review of your denied claim, to
review pertinent Plan documents and to submit written issues and comments.

The claim will then be reviewed by HealthComp within 60 days after its receipt, and you will
receive written notice of the final decision by HealthComp.




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The notice of the final decision must be in writing and must include specific reasons for the
decision with specific references to the pertinent Plan provisions on which the decision is based.
Such decision will be the final administrative determination on your claim.

Other Plans Appeals - Life Insurance, Short & Long-term Disability, Vision, and
Dental Assistance Plan)

If you or your beneficiary disagrees with a claim denial, after you have exhausted the claims
appeal process with the Claims Administrator (or with such other entity that denied your claim),
then you, your beneficiary, or an authorized representative may submit a formal written appeal
within 45 days of your claim denial to have the Benefit Committee review the claim.

It is your responsibility to take all required legal actions by the deadline established by the
insurance carrier, other provider, or by law. If you fail to do so, you may lose all rights to
recover on your claim.

If you file an appeal to the Committee, any applicable statute of limitations may not be tolled
while the appeal is pending (for Short-Term Disability appeals, any applicable statute of
limitations will be tolled while the appeal is pending). The filing of a claim will have no effect
on your rights to any other benefits under the Plan. However, the appeal to the Committee is
voluntary and you are not required to undertake it before pursuing legal action. If you choose
not to appeal to the Committee, the Plan will not assert that you have failed to exhaust your
administrative remedies because of that choice.

If you choose to appeal to the Committee you must do so in writing, and you should send the
following information:

•   The specific reason(s) for the appeal;
•   Copies of all past correspondence with the Claims Administrator;
•   Any applicable new information that you have not yet sent to the Claims Administrator

If you file an appeal to the Committee, you will be deemed to authorize the Committee to obtain
information from the Claims Administrator relevant to your claim.

Mail your written appeal and all supporting documentation to:

FedEx Kinko’s Office and Print Services, Inc. Benefit Committee
Three Galleria Tower
13155 Noel Road
Suite 1600
Dallas, TX 75240

The Committee will review your appeal and evaluate your claim within 60 days of receipt of
your properly submitted appeal. If the Committee needs more time, the Committee may take an
additional 60-day period. The Committee will notify you in advance of this extension. The




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Committee will follow relevant internal rules maintained by the Claims Administrator to the
extent they do not conflict with its own internal guidelines.

You and your representative can review Plan Documents that relate to your claim, and submit
written comments to the Committee.

The Committee will notify you of the final decision on your appeal electronically or in writing.
The written notice will give you the reason for the decision and what Plan provisions apply.

All decisions by the Committee with respect to your claim shall be final and binding.




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Eligibility and Enrollment Appeals

Team members who have issues concerning their eligibility and enrollment must file an appeal
through the following established process. However, this process does not apply to health plan
claims. Eligibility and enrollment appeals involve such matters as whether a team member has
taken the necessary steps to enroll in the Plan and elect the desired benefits under the Plan when
eligible to do so. Notwithstanding any other provision of this description to the contrary, the
appeal process shall differ for certain types of eligibility and enrollment appeals under the Plans,
as explained below.

First Appeal

At the first appeal level you must submit a written appeal to the FedEx Kinko’s Benefits Service
Center. Your appeal must be submitted within 60 days of your benefits eligibility or enrollment
date or the date a change in coverage should have gone into effect. The appeal must be signed
and dated by you and should contain the following information:

•   Name
•   Current address
•   Social Security Number
•   Full-time date of hire
•   Date you became eligible for benefits
•   Any changes in employment status since full-time date of hire
•   Home and work telephone number
•   Reason for the appeal

If the appeal is based on any of the grounds listed below, the appeal process shall be expedited
by having only this first appeal level apply.

• The team member did not receive relevant Plan materials or forms. This includes the use of
an incorrect address on file with HRIS/Payroll or for some unexplained reason when Plan
records indicate that any such materials were sent to the last address on file for the team member
or available online. (Example: Post Office delayed delivery, delivered in error, or not at all).
The website Library provides details on all the plans and also contains step-by-step enrollment
instructions for the Health and Welfare Plan. The failure to receive enrollment information does
not constitute an exception to meeting deadlines established under the Plans.

• The team member received incorrect information concerning the operation of the Plan from a
supervisor or another team member where Plan documents clearly indicate that such information
is erroneous (Example: Manager told team member to enroll after 90 days of employment and,
therefore, team member missed deadline and now has no medical, dental or vision coverage).

• The team member was not aware of a deadline or failed to adhere to a deadline by which a
particular action was required on the team member’s part under a Plan (Example: The team
member neglected to enroll their newborn child into the medical plan within 31 days of the




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child’s birth. As a result, the newborn has no medical coverage and cannot be enrolled until the
next Annual Open Enrollment period).

• The team member failed to opt out of participation in a Plan option by failing to follow
prescribed procedures for doing so (Example: Team member did not want Vision coverage to
continue into 2008 and failed to follow Plan procedures requiring opt-out during Open
Enrollment and was therefore defaulted to same level of coverage).

Such appeals will be reviewed and a determination made by at least two members of FedEx
Kinko’s Benefits Department Management or by a Benefits Department Manager in conjunction
with any voting member of the FedEx Kinko’s Office and Print Services, Inc. Benefit
Committee. Since appeals based on grounds such as these tend to involve rather straightforward
requirements, it is important to note that in connection with any such appeal, the team member
must present any extraordinary circumstances that would warrant further consideration.
Furthermore, the team member should provide additional information that should be considered
beyond that presented in the making of the initial decision. You will receive a decision from the
FedEx Kinko’s Benefits Service Center within 60 days following receipt of your appeal.

The decision rendered by the FedEx Kinko’s Benefits Service Center shall be final and binding
on all persons.

Second Appeal

If you have an eligibility or enrollment issue which is not based on one of the criteria described
above and you believe you have extenuating circumstances that would indicate that the decision
on the first appeal should be reversed, you may file a second appeal within 60 days after the
FedEx Kinko’s Benefits Service Center sends you the denial of your first appeal. Your appeal
will be evaluated by the FedEx Kinko’s Office and Print Services, Inc. Benefit Committee.

Your appeal must be in writing and must be sent to the FedEx Kinko’s Benefits Service Center.
Your appeal must contain documentation from your first appeal, and explain why you believe the
claim should have been allowed under the terms of the Plan. Your appeal should also include
any additional or other information that would show cause for the appeal.

The information and reasoning contained in your appeal will be summarized by the FedEx
Kinko’s Benefits Department for submission to the Committee. The FedEx Kinko’s Benefits
Department will then convene a meeting of the Committee within 60 days after you file your
second appeal (unless special circumstances require a delay of up to 60 additional days, in which
case you will be notified of the reasons for the delay). The Committee will evaluate the
materials and will provide a written decision no later than 120 days after receipt of your second
appeal. A letter setting forth the Committee's final decision will be sent to you and placed in the
Committee’s minutes.




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Obtaining Continued Medical Coverage, Dental Coverage, Vision
Coverage, and Participation in the Health Care Reimbursement Account
under COBRA
Under the Consolidated Omnibus Budget Reconciliation Act (COBRA), federal law makes it
possible for certain employees and their eligible dependents to continue participating in health
care plans if coverage would otherwise terminate due to one of the qualifying events described
below. Coverage may be continued for up to:

•   18 months for you and/or your dependents if your employment with FedEx Kinko’s
    terminates for any reason (including voluntary resignation or retirement) other than gross
    misconduct, or hours are reduced so that your eligibility for FedEx Kinko’s-sponsored health
    coverage is affected.

•   24 months for you and your dependents if you take Military Service Leave of Absence and
    your eligibility for FedEx Kinko’s-sponsored health coverage is affected.

•   36 months for your "qualified beneficiaries" if you die, or you and your spouse legally
    separate or divorce, or your dependent child or domestic partner no longer qualifies for
    coverage under the terms of FedEx Kinko’s-sponsored Plan(s), or you become entitled to
    Medicare.

•   Continued coverage under the Health Care Reimbursement Account is available only until
    the end of the Calendar Year in which you have a qualifying event.

A "qualified beneficiary" is any individual (team member, spouse, or domestic partner of a team
member, or dependent child of a team member) who is covered under FedEx Kinko’s group
health plans on the day before a qualifying event occurs.

If a second qualifying event occurs while you are on an 18-month COBRA continuation period,
your covered dependents who meet the definition of a qualified beneficiary may elect to continue
coverage for up to 36 months from the date of the first qualifying event. A qualified beneficiary
must notify the COBRA administrator within 31 days of a second qualifying event.
Additionally, if you are entitled to COBRA coverage and a child is born to you or placed with
you for adoption while you are on COBRA coverage, you can enroll your new child for COBRA
coverage immediately. Your newborn or adopted child will have independent election and
second qualifying event rights the same as your covered dependents.

Your 18 – 24 or 36-month COBRA coverage will terminate sooner if:

•   FedEx Kinko’s-provided health care plans are terminated;

•   Any required premiums are not paid in a timely manner;

•   You or your dependent become entitled to receive Medicare benefits;




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•   You or your dependent become covered under another group health plan which does not
    contain an exclusion or limitation that affects a pre-existing condition you have;

•   You or your dependent become covered under another group health plan which contains a
    pre-existing condition limitation and the pre-existing condition limitation is satisfied under
    the new Plan.

If you lose health plan coverage due to termination or reduction in hours of employment,
retirement, your entitlement to Medicare or death, FedEx Kinko’s will notify you and your
qualified beneficiaries of their right to continue coverage within 44 days of the date coverage
would otherwise terminate.

If an enrolled dependent loses coverage as the result of divorce, legal separation, or loss of
dependent status, you and/or your dependent must notify the FedEx Kinko’s Benefits Service
Center within 60 days from the date of the qualifying event. The FedEx Kinko’s Benefits
Service Center will notify you of your right to choose continuation of coverage within 14 days of
receiving your notice. In any event, you will have 60 days from the date you receive the
notification to inform the FedEx Kinko’s Benefits Service Center if you want COBRA coverage.
COBRA rights will be forfeited if the FedEx Kinko’s Benefits Service Center is not notified
within 60 days of the qualifying event.

You do not have to show that you are insurable to choose COBRA coverage. If COBRA
coverage is chosen, FedEx Kinko’s will provide coverage that is identical to coverage provided
to covered team members and dependents who are not on COBRA.


Extending COBRA Coverage
If you or one of your eligible dependents is disabled according to Title II or XVI of the Social
Security Act, during the first 60 days of your COBRA coverage, you and your covered
dependents may extend the 18-month COBRA coverage period to 29 months from your
termination date or reduction in hours.

To qualify for this extension, you must notify the FedEx Kinko’s Benefits Service Center within
60 days of the date Social Security makes a determination that you or your dependent was
disabled. This notice must be provided during the first 18 months of COBRA coverage. In
addition, you must notify the FedEx Kinko’s Benefits Service Center within 30 days of the date
Social Security determines that you or your dependent is no longer disabled.

Extended COBRA coverage will end the earliest of the first day of the month that begins more
than 30 days after the date Social Security determines that you or your dependent is no longer
disabled, or the date otherwise specified for termination of COBRA coverage.




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2008 Summary Plan Description                              FedEx Kinko's Office and Print Services, Inc.

Cost for COBRA Coverage
If you elect to continue coverage under COBRA, you must pay the full cost for the group plan in
which you are enrolled, plus an administration charge of 2% of the group rate. FedEx Kinko’s
will no longer pay any amount toward your health care coverage.

If your 18-month COBRA coverage is extended due to disability, the cost for coverage after the
18th month will be 150% of the group plan rate for each month.

You must pay for COBRA coverage on a monthly basis. You must make your first payment
within 45 days after the date you elect COBRA coverage. The first payment will include the cost
of coverage retroactive to the first month your coverage would otherwise terminate. All other
payments are due on the first day of the month to which the premium applies and must be paid
within 30 days of the due date. Again, the FedEx Kinko’s Benefits Service Center will inform
you and/or your dependents of the right to choose COBRA coverage when the appropriate events
occur.


Health Insurance Portability and Accountability Act of 1996 (HIPAA)

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) limits the
circumstances under which coverage may be excluded for pre-existing medical conditions. This
is described in detail in General Exclusions under the Catastrophic, Comprehensive, and
CareAdvocate Plans section.

HIPAA also gives you rights to receive certifications of health plan coverage after you lose
coverage. This may help you avoid a pre-existing condition exclusion under your next health
coverage, as explained in the heading entitled, "Termination of Coverage." You should contact
the FedEx Kinko’s Benefits Service Center should you need assistance in obtaining a certificate
either from your previous employer or from FedEx Kinko’s.


Special Enrollment during the Plan Year
HIPAA also provides that if you decline to enroll yourself or your dependents (including your
spouse) because of other health insurance coverage, you may be able to enroll yourself or your
dependents in the FedEx Kinko’s, Inc. Health Plan if you or your dependents lose eligibility for
that other coverage (or if the employer stops contributing towards your and your dependents’
other coverage). However, you must request enrollment within 31 days after your or your
dependent’s other coverage ends. Special enrollment will not be allowed if the other coverage
ended due to you or your dependent’s failure to pay premiums on time, or for fraud, or other
good cause.

In addition, if you have a new dependent as a result of marriage, birth, adoption, placement for
adoption, or becoming a domestic partner, you may be able to enroll the new dependent,
provided that you request enrollment within 31 days after the marriage, birth, adoption,
placement for adoption, or beginning of domestic partner status. In the case of birth or adoption,




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you may also be able to enroll yourself and your spouse or domestic partner within 31 days of
the birth or adoption.


To request special enrollment or obtain more information, contact the FedEx Kinko’s Benefits
Service Center at 1.866.866.9050.


Newborns and Mothers' Health Protection Act

You and your dependents' health plan benefits will not restrict benefits for any hospital length of
stay in connection with childbirth for a mother or newborn child for less than 48 hours following
a normal vaginal delivery, or for less than 96 hours following a Cesarean Section, or require that
a provider obtain authorization from the Plan or the insurer for prescribing a length of stay not in
excess of the above periods.


Notice to Health Plan Participants Regarding Women's Health and Cancer Rights
Act of 1998

On October 21, 1998, the Women's Health and Cancer Rights Act was enacted requiring health
plans subject to the Employee Retirement Income Security Act ("ERISA") of 1974, as amended,
to provide certain benefits for reconstructive surgery following a mastectomy. This notice is to
inform you of such benefits and is intended to satisfy the requirements of ERISA Section 713(b)
as amended by the Women's Health and Cancer Rights Act of 1998.

In the event you receive benefits under the Employer's Health Plan in connection with a
mastectomy, the following services will also be covered under the Plan, as long as the decision
for such services is made in consultation with your attending physician:

1.      Reconstructive surgery of the breast on which the mastectomy has been performed;

2.      Reconstructive surgery of the other breast in order to produce a symmetrical appearance;
        and

3.      Prostheses and treatment for physical complications during all stages of the mastectomy,
        including lymphedemas.

If you receive the benefits described in this Notice, the Plan may not:

•    Deny you eligibility, or continued eligibility to enroll or to renew coverage under the terms
     of the Plan solely for the purpose of avoiding the breast reconstruction requirements; nor

•    Penalize or otherwise reduce or limit the reimbursement of an attending physician or other
     provider, or provide incentives (monetary or otherwise) to an attending physician or other
     provider to induce him or her to provide care in a manner that is inconsistent with the
     Women's Health and Cancer Rights Act.




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Coverage for the reconstructive benefits under the employer's health plan will be subject to the
same annual deductibles and coinsurance amounts as other covered expenses under the Plan.

If you have any questions regarding this notice and/or benefits described in this Notice, please
contact FedEx Kinko’s Benefits Department during regular business hours when someone will
be available to answer your questions.

Privacy of Health Information
The Plan will safeguard the privacy of your "Protected Health Information." However, as
explained below, the Plan may use and disclose Protected Health Information, including your
Protected Health Information, in some cases.

Protected Health Information is data about a medical condition, treatment received, or payment
for health care that also identifies the person it relates to.

Use or disclosure of Protected Health Information
The Plan is allowed to use or disclose Protected Health Information in the following cases:

                a.     The Plan may use or disclose Protected Health Information for purposes
related to medical treatment, payment, or health care operations, except that psychotherapy
notes will not be used or disclosed without your authorization. The Plan has distributed to you a
Notice of Privacy Practices that provides specific examples of what constitutes treatment,
payment and health care operations.

                b.     The Plan may use or disclose your Protected Health Information if you
sign a written authorization allowing the specific use or disclosure.

              c.      If you agree, the Plan may disclose to relatives, friends, or other persons
Protected Health Information relevant to that person's involvement with your care or payment for
your care.

                d.      If you agree, the Plan may use or disclose Protected Health Information to
notify a relative or other person responsible for your care of your location, general condition, or
death.

                e.      The Plan may disclose Protected Health Information to FedEx Kinko’s for
Plan-related purposes. FedEx Kinko’s will not use or disclose the information for employment-
related actions or in connection with any other employee benefit, except in certain cases for
worker's compensation as allowed under state law. FedEx Kinko’s will restrict access to the
Protected Health Information as described in this Part of the Summary.

                f.       The Plan may use or disclose Protected Health Information for public
health activities or as otherwise required by law or regulation.




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2008 Summary Plan Description                               FedEx Kinko's Office and Print Services, Inc.

Access to Protected Health Information
You may request to inspect or copy the Protected Health Information the Plan has about you.
Generally, within 30 days after receiving your request, FedEx Kinko’s will grant or deny your
request. In some cases, FedEx Kinko’s may have up to 90 days to respond. You may be
required to pay a reasonable fee for copies of Protected Health Information. If your request for
access is denied, you will be provided an explanation of the reasons for the denial and any appeal
or complaint rights you may have.

Correcting Protected Health Information
You may submit a written request that the Plan amend your Protected Health Information. After
receiving your request, the Plan will act on it within 60 days (90 days if the Plan notifies you
within 60 days of the reasons for the delay and the date it will respond to your request).

If the Plan agrees that correction is necessary, the Plan will amend your Protected Health
Information and attempt to provide the amendment to (i) the persons you identify as needing the
amendment, and (ii) persons the Plan knows have received the incorrect Protected Health
Information and could use it in a way that is harmful to you.

If the Plan denies your written request to amend your Protected Health Information, you will be
provided with a written explanation of the reasons for the denial, your right to submit a written
statement disagreeing with the denial, your right to have your request for amendment and the
denial provided with any future disclosures of the Protected Health Information, and your right
to complain about the denial to the Plan or to the U.S. Secretary of Health and Human Services.
If you submit a statement of disagreement, the Plan may prepare a written rebuttal.

Your Protected Health Information that is the subject of the dispute will be linked to your request
for an amendment, the Plan's denial of the request, your statement of disagreement if you filed
one, and the Plan's rebuttal. All of this information, or an accurate summary, will be included in
any subsequent disclosure of the Protected Health Information that is in dispute.

Accounting of Disclosures
You may request an accounting of the disclosures of your Protected Health Information that
occur after April 14, 2003, and within six years before your request, except for the types of
permitted disclosures described above and disclosures made to you.

After receiving your request for an accounting, the Plan will respond within 60 days (90 days if
the Plan notifies you within 60 days of the reasons for the delay and the date the Plan will
respond to your request). The first accounting provided to you in any 12-month period is free.
Reasonable fees may be charged if you make more than one request for an accounting within a
12-month period. You will be informed of the fee in advance, and you may withdraw or modify
your request to avoid or reduce the fee.




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Complaints
The Plan has established complaint procedures concerning the handling of Protected Health
Information. The Notice of Privacy Practices that was distributed to you explains the complaint
procedure. This Notice is also available on request.

Prohibition against Alienation
If you are entitled to receive benefits under any Plan, you may not in any way, sell, transfer or
give away the right to such benefits, nor may you mortgage or encumber your right to such
benefits. For example, if you are obligated to pay alimony, or some other debt, you may not
agree to substitute the benefits under any Plan in place of your obligation payment. Any attempt
by a team member to do such an act will be void and will not be recognized by FedEx Kinko’s.
Further, a team member's right to benefits under any Plan may not be attached, garnished, or
seized for the payment of any debts, court judgments or obligations of any kind.




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