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link=blue vlink=purple style='tab-interval:.5in' topmargin=0 leftmargin=0 rightmargin=0> <div class=WordSection1> <p class=MsoNormal align=center style='text-align:center'><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in' id="content_LETTER.BLOCK1"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=top style='padding:0in 0in 0in 0in'> <div align=center> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='background:#6C8591;padding:.75pt .75pt .75pt .75pt'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white; mso-yfti-tbllook:1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="100%" colspan=2 style='width:100.0%;padding:0in 0in 0in 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td valign=bottom style='padding:0in 0in 0in 0in'> <p class=MsoNormal align=center style='text-align:center'><span style='mso-no-proof:yes'><img width=578 height=90 id="_x0000_i1027" src="http://ih.constantcontact.com/fs040/1104749692491/img/5.jpg" alt="Description: Description: Description: Crosby Connect"></span></p> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#003330'><br> <strong><span style='font-family:"Arial","sans-serif"'>Nov/Dec 2011 <span class=SpellE>vol</span> 3</span></strong></span></b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> </td> </tr> </table> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td valign=top style='padding:0in 0in 3.75pt 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=0 style='width:0in;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 3.75pt 3.75pt 3.75pt 3.75pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td width="100%" valign=top style='width:100.0%;padding:3.75pt 3.75pt 3.75pt 3.75pt'></td> </tr> </table> </td> <td valign=top style='padding:0in 0in 3.75pt 0in'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=600 style='width:6.25in;mso-cellspacing:0in;mso-yfti-tbllook:1184; mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="100%" style='width:100.0%;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white; border:solid #6C8591 1.0pt;mso-border-alt:solid #6C8591 .75pt; mso-yfti-tbllook:1184;mso-padding-alt:0in 5.4pt 0in 5.4pt'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td style='border:none;background:#003330;padding:3.75pt 0in 3.75pt 0in'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-family:"Arial","sans-serif";color:white'>In This Issue</span></b><span style='font-family:"Arial","sans-serif";color:white'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;height:3.75pt'> <td style='border:none;padding:.75pt .75pt .75pt .75pt;height:3.75pt'></td> </tr> <tr style='mso-yfti-irow:2'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'></td> </tr> <tr style='mso-yfti-irow:3'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK4" shape=rect><span style='color:#0000CC'>Debit Card Receipts May Be Required</span></a></span></b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:4'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK5" shape=rect><span style='color:#0000CC'>Get Your Money Faster!</span></a></span></b><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:5'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK6" shape=rect><span style='color:#0000CC'>2012 Changes For Commuter Benefits</span></a></span></b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:6'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK7" shape=rect><span style='color:#0000CC'>Crosby Gives Back</span></a></span></b><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:7'> <td style='border:none;padding:.75pt .75pt .75pt .75pt'> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:8.0pt;font-family:"Arial","sans-serif";color:#0000CC'><a href="#LETTER.BLOCK8" shape=rect><span style='color:#0000CC'>Check Out Commuter Nation</span></a></span></b><span style='font-size:8.0pt; font-family:"Arial","sans-serif";color:#0000CC'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:8;mso-yfti-lastrow:yes;height:3.75pt'> <td style='border:none;padding:.75pt .75pt .75pt .75pt;height:3.75pt'></td> </tr> </table> <p class=MsoNormal><a name=LETTER.BLOCK3></a><span style='display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK4"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width="99%" style='width:99.0%;background:white;padding:3.75pt 3.75pt 3.75pt 3.75pt'></td> </tr> </table> <p class=MsoNormal><a name=LETTER.BLOCK4></a><span style='display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK5"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width="99%" style='width:99.0%;background:white;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <table class=MsoNormalTable border=0 cellpadding=0 width=580 style='width:435.0pt;mso-cellspacing:1.5pt;background:white; mso-yfti-tbllook:1184;mso-padding-alt:0in 0in 0in 0in'> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td valign=top style='padding:1.5pt 1.5pt 1.5pt 1.5pt'> <div> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><br> <strong><span style='font-family:"Arial","sans-serif";color:#003330'>When Are Debit Card Receipts Required?</span></strong><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#003330'><br> <strong><span style='font-family:"Arial","sans-serif"'>Helpful Hints About The Flex Debit Card</span></strong></span></b></p> </div> </td> </tr> </table> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif";color:#333333'>&nbsp;</span><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><!--[if gte vml 1]><v:shapetype id="_x0000_t75" coordsize="21600,21600" o:spt="75" o:preferrelative="t" path="m@4@5l@4@11@9@11@9@5xe" filled="f" stroked="f"> <v:stroke joinstyle="miter"/> <v:formulas> <v:f eqn="if lineDrawn pixelLineWidth 0"/> <v:f eqn="sum @0 1 0"/> <v:f eqn="sum 0 0 @1"/> <v:f eqn="prod @2 1 2"/> <v:f eqn="prod @3 21600 pixelWidth"/> <v:f eqn="prod @3 21600 pixelHeight"/> <v:f eqn="sum @0 0 1"/> <v:f eqn="prod @6 1 2"/> <v:f eqn="prod @7 21600 pixelWidth"/> <v:f eqn="sum @8 21600 0"/> <v:f eqn="prod @7 21600 pixelHeight"/> <v:f eqn="sum @10 21600 0"/> </v:formulas> <v:path o:extrusionok="f" gradientshapeok="t" o:connecttype="rect"/> <o:lock v:ext="edit" aspectratio="t"/> </v:shapetype><v:shape id="Picture_x0020_2" o:spid="_x0000_s1030" type="#_x0000_t75" alt="Description: Description: Description: http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:60.75pt; height:38.25pt;z-index:251658240;visibility:visible; mso-wrap-style:square;mso-width-percent:0;mso-height-percent:0; mso-wrap-distance-left:6pt;mso-wrap-distance-top:0; mso-wrap-distance-right:6pt;mso-wrap-distance-bottom:0; mso-position-horizontal:left;mso-position-horizontal-relative:text; mso-position-vertical:absolute;mso-position-vertical-relative:line; mso-width-percent:0;mso-height-percent:0;mso-width-relative:page; mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=81 height=51 src="http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg" align=left hspace=8 alt="Description: Description: Description: http://farm5.static.flickr.com/4106/4996498488_159179bb54_m.jpg" v:shapes="Picture_x0020_2"><![endif]><span style='font-size:10.0pt; font-family:"Arial","sans-serif";color:#333333'>Some employers offer the Flex Debit Card as a convenient enhancement to a Medical Flexible Spending Account (FSA). As is typical for this time of year, Crosby sees a significant increase in Debit Card usage. Using your Flex Debit Card enables you to pay your provider directly from your FSA. However, we'd like to remind you that you may be asked to submit supporting documentation for some FSA purchases. <!-- </img> --></span><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif";color:#333333'>&nbsp;</span><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif";color:#333333'>Supporting documentation may be required for:</span><span style='font-family: "Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-family: "Arial","sans-serif";color:#003330'>&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif";color:#333333'>º% Co-payments (if not enrolled in employer's medical plan)<br> º% Vision and dental expenses<br> º% Other non-confirmable transactions<br> <br> In general, you are not required to submit supporting documentation for:<br> <br> º% Recurring expenses (the amount and merchant information charged each time must match exactly for each successive expense to qualify as &quot;recurring&quot;)<br> º% Co-payments (if enrolled in employer's medical plan)<br> º% Prescriptions<br> º% <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqFVXw6QXMjRZyqr25gEdNBiXRpkvwepSThe4Tp2gQVqf0xGj640zWAjHrx-sBSngb-jJYXVwxFI2P9f6rLqIwM4n0_1NftHYGECUIR7khGZH7x8JBL2bL3vGQHR4BX1qM9ZH1c9D7jyE9aPT5Kubb0P" target="_blank" track=on shape=rect linktype=1><b>IIAS retailers</b></a><br> <br> <b><br> <strong><span style='font-family:"Arial","sans-serif"'>Other Helpful Debit Card Hints:</span></strong></b></span><span style='font-family: "Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-family: "Arial","sans-serif";color:#003330'>&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#333333'>*</span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#333333'> IIAS Retailers are among the easiest places to use your Flex Debit Card (e.g. CVS, Walgreens, Stop and Shop). These merchants have coded FSA Eligible items so that anytime you purchase an FSA Eligible product, your transactions automatically approve and you will not have to submit supporting documentation.<br> <br> <strong><span style='font-family:"Arial","sans-serif"'>*</span></strong>&nbsp;If you make a purchase at a Non-IIAS Pharmacy (e.g. an in-hospital pharmacy) and you purchase more than one prescription and the copay amounts are different, request that the pharmacy swipe your card separately, once for each prescription. This way, each prescription (of a various employer plan copay amount), will be automatically approved in our system.<br> <br> <strong><span style='font-family:"Arial","sans-serif"'>*</span></strong> Don't leave the Dentist or Optician without a DETAILED RECEIPT (or itemized billing statement). Credit Card receipts are not sufficient. Most Dental and Vision transactions will require that you provide supporting documentation to have the transactions approved. <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqGkFNfiyVpjEBJo48OkBRgXw6Qnl-b8LLJv1t-0KNU64y7fZo4aHTCCaOk82jvZy9RaJkCWDyWcHL8KnRvz_VXNuEXU2sT3V0Rbt0PDg1wA3ZoqPWDy-YmzBduIFt9XXCJjR3NOLl0vvebEjhb6qiDo" target="_blank" track=on shape=rect linktype=1><b>Click here</b></a> to see what information is required on your supporting documentation.<br> <br> <strong><span style='font-family:"Arial","sans-serif"'>*</span></strong> Explanation of Benefits (EOBs) are the best form of substantiation for medical and dental transactions.<br> <br> For more information about your Flex Debit Card, you may visit the <a href="http://www.crosbybenefits.com/ParticipantArea/FAQs.aspx" target="_blank" track=off shape=rect linktype=1><b>FAQ section</b></a> within the participant area of <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqFty_D7MhzBh6F3oYBevmi85Q2q5Llc5sXesINVoyCo_ZOKm_y0SLbP9xPwY26J0JBuH8L-EkFZYqdA2WSsMyuGFdoF0AB4VXP6HXBstD3eZA==" target="_blank" track=on shape=rect linktype=1><b>CrosbyBenefits.com</b></a>.</span><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><a name=LETTER.BLOCK5></a><span style='display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK3"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width="99%" style='width:99.0%;background:white;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><b><span style='font-family:"Arial","sans-serif";color:#003330'><br> Get Your Money Faster!</span></b><span style='font-family:"Arial","sans-serif"; color:#003330'><o:p></o:p></span></p> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#003330'>Take Advantage of Direct Deposit and Our Online Claims Process</span></strong><span style='font-size:10.0pt;font-family: "Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p class=MsoNormal><span style='font-family:"Arial","sans-serif"; color:#003330'><br> </span><!--[if gte vml 1]><v:shape id="Picture_x0020_3" o:spid="_x0000_s1029" type="#_x0000_t75" alt="Description: Description: Description: http://farm3.static.flickr.com/2638/4072811077_616dae6d6f_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:51.75pt; height:51pt;z-index:251659264;visibility:visible;mso-wrap-style:square; mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:5.25pt; mso-wrap-distance-top:1.5pt;mso-wrap-distance-right:5.25pt; mso-wrap-distance-bottom:1.5pt;mso-position-horizontal:left; mso-position-horizontal-relative:text;mso-position-vertical:absolute; mso-position-vertical-relative:line;mso-width-percent:0; mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm3.static.flickr.com/2638/4072811077_616dae6d6f_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=69 height=68 src="http://farm3.static.flickr.com/2638/4072811077_616dae6d6f_m.jpg" align=left hspace=7 vspace=2 alt="Description: Description: Description: http://farm3.static.flickr.com/2638/4072811077_616dae6d6f_m.jpg" v:shapes="Picture_x0020_3"><![endif]><span style='font-size:10.0pt; font-family:"Arial","sans-serif";color:#333333'>You will save time (and the cost of a stamp) when you submit your Medical and Dependent Care FSA claims online via <strong><span style='font-family:"Arial","sans-serif"'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqHh73m3BKBCM2ToiiKR1DFyPji5OEnH6411V5KGk0zXmmGy39DueF4XPYYfntWp2vaubnfKHPMCPtJKQDxXouMydczKTfgbzRbFA0EDnqVKvw==" target="_blank" track=on shape=rect linktype=link>MyCrosbyBenefits.com</a></span></strong>. Our goal is to offer you speedy processing options and our claims processing turnaround time has never been faster. Once a claim is received into our processing queue, you can expect your claim to be reviewed and distributed within about <strong><span style='font-family: "Arial","sans-serif"'>two business days </span></strong>(mail delivery, employer reimbursement schedules and bank processing times may vary).<br> <br> <strong><span style='font-family:"Arial","sans-serif"'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqFRlGBa9q_jKwIcSKmZtTXIPmFLwmuDl5bX9nV4AgUHB6mxjsNbrL2EDFsYoeLPEwt7fcq8Ifu46I3IoM6T5J9gfTR6PuQ5BGqf1R7wwPTwebEwPKyiljRWHByjsK_E9c1UcQmpj-PKYXi8ZiMon7FTYUGhbrWU6LSiV1C0j-AZUnhs76eDWe8S-9HNSQRjb9I=" target="_blank" track=on shape=rect linktype=link>Get Direct Deposit</a></span></strong> and receive reimbursements directly into the bank account of your choosing.<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif";color:#333333'><br> As always, we encourage our Reimbursement Account Holders to </span><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#003330'>Go Green!</span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#333333'> <strong><span style='font-family:"Arial","sans-serif"'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqGfowbGzf9-IA_WARLDRM-kLWdlaS8Luv1wB5Ml2g-C-TpqYaMPyj3pOlrrErjU8RLPayt1hOtterQ9TjHODro9NICDZ-Fa8WFQ1uhIyEgR-uTTcjeTz7nTlnoObJoEzSY=" target="_blank" track=on shape=rect linktype=link>Enroll Now</a></span></strong> to receive communications electronically (e.g. Debit Card, Claims Submitted, Denial Notifications).<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><a name=LETTER.BLOCK6></a><span style='display:none; mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK8"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width="99%" style='width:99.0%;background:white;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><b><span style='font-family:"Arial","sans-serif";color:#003330'><br> 2012 Pre-Tax Limit Adjustment For Commuter Benefits</span></b><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#003330'>Transit Cap Reduced to $125, Parking Increased to $240</span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-family: "Arial","sans-serif";color:#003330'>&nbsp;<o:p></o:p></span></p> <p class=MsoNormal><!--[if gte vml 1]><v:shape id="Picture_x0020_4" o:spid="_x0000_s1028" type="#_x0000_t75" alt="Description: Description: Description: http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:44.25pt; height:64.5pt;z-index:251660288;visibility:visible;mso-wrap-style:square; mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:6pt; mso-wrap-distance-top:1.5pt;mso-wrap-distance-right:6pt; mso-wrap-distance-bottom:1.5pt;mso-position-horizontal:left; mso-position-horizontal-relative:text;mso-position-vertical:absolute; mso-position-vertical-relative:line;mso-width-percent:0; mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=59 height=86 src="http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg" align=left hspace=8 vspace=2 alt="Description: Description: Description: http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg" v:shapes="Picture_x0020_4"><![endif]><span style='font-size:10.0pt; font-family:"Arial","sans-serif";color:#2E2E2E'>The IRS recently announced the 2012 pre-tax limit cost of living increases. The pre-tax limit for the transit benefit will be $125/month and the parking benefit will be $240/month.<br> <br> As part of the 2010 American Reinvestment and Recovery Act (ARRA), language was included that temporarily established an equal fringe benefit amount of $230/month each for both parking and transit. The provision was extended for 2011 but is set to expire at the end of this calendar year. Unless action is taken by Congress the new pre-tax amounts will take effect. The pre-tax limit changes will be implemented for either the January or February benefit months, depending on your employer.<br> <br> Crosby will take steps to make all necessary changes as they relate to our ordering platform and claims processes and we will keep you informed of any new developments as they occur.</span><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><a name=LETTER.BLOCK7></a><span style='font-size: 5.0pt;display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK9"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes'> <td width="99%" style='width:99.0%;background:white;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><span style='font-size:5.0pt;font-family:"Arial","sans-serif"; color:#003330'><o:p>&nbsp;</o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><strong><span style='font-family:"Arial","sans-serif"; color:#003330'>Community Servings Volunteer Outing</span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#003330'><br> <strong><span style='font-family:"Arial","sans-serif"'>Crosby Employees Give Back</span></strong><b><br> <br style='mso-special-character:line-break'> <![if !supportLineBreakNewLine]><br style='mso-special-character: line-break'> <![endif]></b></span><strong><span style='font-family:"Arial","sans-serif"; color:#003330'><o:p></o:p></span></strong></p> <p style='margin:0in;margin-bottom:.0001pt'><!--[if gte vml 1]><v:shape id="Picture_x0020_5" o:spid="_x0000_s1027" type="#_x0000_t75" alt="Description: Description: Description: http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:90pt; height:34.5pt;z-index:251661312;visibility:visible;mso-wrap-style:square; mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:6pt; mso-wrap-distance-top:1.5pt;mso-wrap-distance-right:6pt; mso-wrap-distance-bottom:1.5pt;mso-position-horizontal:left; mso-position-horizontal-relative:text;mso-position-vertical:absolute; mso-position-vertical-relative:line;mso-width-percent:0; mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=120 height=46 src="http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg" align=left hspace=8 vspace=2 alt="Description: Description: Description: http://farm7.static.flickr.com/6112/6208575575_20b97583a6_m.jpg" v:shapes="Picture_x0020_5"><![endif]><span style='font-size:10.0pt; font-family:"Arial","sans-serif"'>In September, several Crosby employees donated their time to the volunteer program <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqHKLdyQGr2mSWmH-hcWBJgS6mz-1WYr4ncw-NIvBNf-3Xa6geC5XcAZRD3noUEgp9OH_PO0SKBsqDhQEiH8JfUEcxrenBMPLbw=" target="_blank" track=on shape=rect linktype=link><b>Community Servings</b></a>, a non-profit organization located in Jamaica Plain. Community Servings provides healthy and nutritious meals to individuals and families residing in the greater Boston area living with critical and chronic illnesses. The goal of the program is to help those in need maintain their independence by delivering meals for free.<br> <br> Crosby volunteers learned about the organization and safe food handling and then prepared meals in an assembly-line fashion, with each person at their own station. Strict cleanliness precautions were followed, as many Community Servings recipients have compromised immune systems. Some volunteers assisted by adding a protein, starch or vegetable dish to meal containers while others sealed packages that would be frozen and delivered at a future time.</span><o:p></o:p></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'><!-- </img> -->&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>There are many ways to contribute to Community Servings, including meal preparation, packaging and/or delivery and food or monetary donations. In October, Community Servings&nbsp;kicked off&nbsp;its 14th annual &quot;Pie in the Sky&quot; pie sale. Pies&nbsp;are $25 and&nbsp;proceeds from the sale of one pie will help feed an individual for one week. To learn more about the Pie in the Sky pie sale, you may visit <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqGT9kqeQxcPWwpVHLnoQjC8bzFSx5ejESMmu3mP_jqnbwHorS8ypFor8ijNgdyLL_mKu3fzpiNKJE0Ij4i_hW2ody1y8FVjmzM=" target="_blank" track=on shape=rect linktype=link><b>pieinthesky.org</b></a> or visit the <a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqHKLdyQGr2mSWmH-hcWBJgS6mz-1WYr4ncw-NIvBNf-3Xa6geC5XcAZRD3noUEgp9OH_PO0SKBsqDhQEiH8JfUEcxrenBMPLbw=" target="_blank" track=on shape=rect linktype=link><b>Community Servings</b></a> website about how you can help.&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>&nbsp;<o:p></o:p></span></p> <p style='margin:0in;margin-bottom:.0001pt'><span style='font-size: 10.0pt;font-family:"Arial","sans-serif"'>Everyone at Crosby who volunteered had a fantastic time working with Community Servings. We are excited about future volunteer opportunities with Community Servings and other local organizations.<o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:10.0pt'><o:p></o:p></span></p> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes'> <td width="100%" valign=top style='width:100.0%;background:white; padding:3.75pt 3.75pt 3.75pt 3.75pt'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;mso-yfti-tbllook: 1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt;display:table' id="content_LETTER.BLOCK8"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow: yes'> <td width="99%" style='width:99.0%;background:white;padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><a name=LETTER.BLOCK8></a><b><span style='font-family:"Arial","sans-serif"; color:#003330'>Commuter Nation Is Here</span></b><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align: center'><strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif"; color:#003330'>Building Commuter Benefit Awareness</span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> <p class=MsoNormal><span style='font-family:"Arial","sans-serif"; color:#003330'><br> </span><!--[if gte vml 1]><v:shape id="Picture_x0020_6" o:spid="_x0000_s1026" type="#_x0000_t75" alt="Description: Description: Description: http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg" style='position:absolute;margin-left:0;margin-top:0;width:44.25pt; height:64.5pt;z-index:251662336;visibility:visible;mso-wrap-style:square; mso-width-percent:0;mso-height-percent:0;mso-wrap-distance-left:6pt; mso-wrap-distance-top:1.5pt;mso-wrap-distance-right:6pt; mso-wrap-distance-bottom:1.5pt;mso-position-horizontal:left; mso-position-horizontal-relative:text;mso-position-vertical:absolute; mso-position-vertical-relative:line;mso-width-percent:0; mso-height-percent:0;mso-width-relative:page;mso-height-relative:page' o:allowoverlap="f"> <v:imagedata src="http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg"/> <w:wrap type="square" anchory="line"/> </v:shape><![endif]--><![if !vml]><img width=59 height=86 src="http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg" align=left hspace=8 vspace=2 alt="Description: Description: Description: http://farm3.static.flickr.com/2495/4048165408_17931f3381_m.jpg" v:shapes="Picture_x0020_6"><![endif]><span style='font-family:"Arial","sans-serif"; color:#003330'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqFWymbYsTuTpIb0A_M7m0uPMcmKTfkNqjUSLQIT98UTDHVW0bzfO9UdifxgYw1BE1FUme5mJmtWp0gC5Hjqhh2VfMWR_skK6kxVQ8-KITblig==" target="_blank"><b><span style='font-size:10.0pt'>Commuter Nation</span></b></a>&nbsp;</span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#2E2E2E'>is here! This interactive site targets current and potential commuter participants by offering a forum to promote awareness about pre-tax commuter benefits and offers ways to save you money on your commute. Take a tour or sign up for the &quot;Daily Commute,&quot; a daily email that provides commuting tips and promotions from the site's sponsors, as well as general commuter news. </span><span style='font-family:"Arial","sans-serif";color:#003330'><o:p></o:p></span></p> </td> </tr> </table> </td> </tr> </table> </td> </tr> </table> </td> </tr> <tr style='mso-yfti-irow:1;mso-yfti-lastrow:yes;height:11.25pt'> <td width="100%" valign=top style='width:100.0%;padding:.75pt .75pt .75pt .75pt; height:11.25pt'> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white; mso-yfti-tbllook:1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt' id="content_LETTER.BLOCK7"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:white; mso-no-proof:yes'><img border=0 width=200 height=88 id="_x0000_i1026" src="http://ih.constantcontact.com/fs040/1104749692491/img/10.jpg" alt="Description: Description: Description: Crosby Logo"></span><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:white'>&nbsp;<!-- </img> --><o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif";color:#333333'><br> </span></b><strong><span style='font-size:11.0pt;font-family:"Arial","sans-serif"; color:#333333'>Visit us online at:</span></strong><strong><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:white'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqHc45siapyDOZUwUVgtP-aZNmHQhAwkzKnmXaJa_VY21N46nmXwsrL5b0QiFnLz-HGldonl_3Kl1ccSnvceox_1HR02zFyOZTIGuJESOzVihQ==" target="_blank" shape=rect><br> </a><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqHh73m3BKBCM2ToiiKR1DFyPji5OEnH6411V5KGk0zXmmGy39DueF4XPYYfntWp2vaubnfKHPMCPtJKQDxXouMydczKTfgbzRbFA0EDnqVKvw==" target="_blank" track=on shape=rect linktype=link>www.mycrosbybenefits.com</a></span></strong><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:white'><o:p></o:p></span></p> <p class=MsoNormal align=center style='text-align:center'><strong><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:white'><a href="http://r20.rs6.net/tn.jsp?llr=lsbnd7eab&amp;et=1108113159058&amp;s=2&amp;e=001cbaGfBqYtqFZdNA-8AixnAaUtMf8BPRtT-E_9gCiOLwAOXm-lmR5JHE2Mjv05ikZO-ocMgIE_vymCbKXxjfO-b-1ZtvjctDuPhBp5tB9NrO6zYGpaUdiZA==" target="_blank" track=on shape=rect linktype=link>www.crosbybenefits.com</a></span></strong><span style='font-size:11.0pt;font-family:"Arial","sans-serif";color:white'><o:p></o:p></span></p> </td> </tr> </table> <p class=MsoNormal><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width="100%" style='width:100.0%;mso-cellspacing:0in;background:white; mso-yfti-tbllook:1184;mso-padding-alt:3.75pt 3.75pt 3.75pt 3.75pt' id="content_LETTER.BLOCK14"> <tr style='mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes'> <td style='padding:3.75pt 3.75pt 3.75pt 3.75pt'> <p class=MsoNormal align=center style='margin-bottom:3.75pt;text-align: center'><strong><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'>Crosby CONNECT is intended for Crosby Participants (employees of Crosby clients).</span></strong><b><span style='font-size: 10.0pt;font-family:"Arial","sans-serif";color:#333333'><o:p></o:p></span></b></p> <p class=MsoNormal align=center style='margin-bottom:3.75pt;text-align: center'><strong><span style='font-size:8.0pt;font-family:"Arial","sans-serif"; color:#333333'>© 2011 Crosby Benefit Systems, Inc.</span></strong><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif";color:#333333'><o:p></o:p></span></b></p> </td> </tr> </table> <p class=MsoNormal><span style='font-size:10.0pt'><o:p></o:p></span></p> </td> </tr> </table> </div> </td> </tr> </table> </div> <p class=MsoNormal align=center style='text-align:center;background:white'><span style='display:none;mso-hide:all'><o:p>&nbsp;</o:p></span></p> <p class=MsoNormal><span style='mso-no-proof:yes'><img border=0 width=1 height=1 id="_x0000_i1025" src="http://r20.rs6.net/on.jsp?llr=lsbnd7eab&amp;t=1108113159058.0.1104749692491.2&amp;ts=S0695&amp;o=http://ui.constantcontact.com/images/p1x1.gif" alt="Description: Description: Description: http://r20.rs6.net/on.jsp?llr=lsbnd7eab&amp;t=1108113159058.0.1104749692491.2&amp;ts=S0695&amp;o=http://ui.constantcontact.com/images/p1x1.gif"></span></p> </div> </body> </html>