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John Deere and You: 2016 Benefits Enrollment for New Employees

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John Deere and You:

2016 Benefits Enrollment

for New Employees

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Congratulations on joining John Deere and welcome to the Healthy

Directions benefit program. Healthy Directions has three essential

components—a selection of health plans, tax-advantaged accounts to help

you budget and pay for your portion of health care costs and wellness

resources to support healthy, productive lifestyles.

In a recent evaluation, Healthy Directions ranked among the most valuable

benefits programs when compared to companies in similar industries. We are

able to provide these valuable benefits because of your willingness to be

good stewards of our programs and make wise health and health care

decisions.

Now, it’s up to all of us to ensure Healthy Directions remains the leading

program it is today; one that helps you and your family—and our company—

be successful.

Together, we have a shared responsibility for managing health care costs.

John Deere does its part by offering a variety of

health

,

wealth

, and

lifestyle

benefits to help you along the way.

There will be elections you may want to make this year, so be sure to

review your options and make informed choices. Elections must be made

within 31 days of your employment date.

Read on to learn more about the benefits and resources available to you and

your family in 2016.

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What’s Inside

This guide highlights the variety and value of the benefits we provide to you and your family through Healthy Directions.

Step-by-Step: 2016 Benefits Enrollment

Below is a list of step-by-step instructions for making the most of benefits enrollment.

Step Action

1. Understand your benefit options for 2016. Read this guide.

2. Determine the coverage tier that’s right for you.

Think about who you want to cover (Employee Only, Employee & Spouse, Employee & Child(ren), Employee, Spouse & Child(ren)). See page 7.

3. Think about which health care and dental benefit plan options are right for you (or you can opt out of coverage if you have it elsewhere).

See the Health Plan Selection Guide on page 4.

4. Decide how much you want to contribute to your HSA, if eligible.

– To open an HSA and make elections for 2016, you will do so through Fidelity. See page 8.

– Fidelity offers an online modeling tool to help you decide how much to contribute to your HSA.

5. Decide if you want to contribute to a Limited Purpose Health Care FSA or Dependent Care FSA.

See page 9 for more details on these accounts.

6. Congratulations, you are ready to make your elections!

Medical — Complete the enclosed enrollment form within 31 days of your date of hire or immediately if you are a John Deere employee with a status change. Call Deere Direct at 1-888-432-3373 if you have

questions.

Dental — Complete the enclosed enrollment form within 31 days of your date of hire or immediately if you are a John Deere employee with a status change. Call Deere Direct at 1-888-432-3373 if you have questions.

HSA — Go to netbenefits.com or call Fidelity at 1-800-354-3427 to open an account and make your HSA elections. If you do not complete this step, your contribution for 2016 will be $0.

FSA — Call Deere Direct at 1-888-432-3373 if you want to contribute to an FSA. If you don’t want to contribute, you do not need to call.

7. Gather eligibility verification document(s).

In order to determine benefit eligibility and ensure timely enrollment in your benefits, you are required to submit document(s). See Dependent Eligibility and Verification on page 5.

*Most records are available from the courthouse of the county of marriage, birth or adoption. In many cases, you can request copies online, by phone or mail.

8. Submit completed forms and documentation.

Provide originals or photocopies to Deere Direct. There are three easy ways to submit your document(s):

– Email: DeereDirect@JohnDeere.com – Fax: 1-309-748-0625

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What to Know

John Deere has a Healthy Directions website, which is a great resource for employees. On the site, you will find the Healthy Directions Information for Employees brochure which includes information about key terms, such as deductible, maximum out-of-pocket expense and coinsurance. Benefits summaries for the health plans are also available to you. Your Summary Plan Description provides more detail on your benefits and eligibility. This information is available on the Healthy Directions web site.

Health

The health benefits John Deere offers through Healthy Directions deliver

exceptional value to help you and your family satisfy your health care needs.

Health Plan Selection Guide

Which health plan has the lowest total out-of-pocket cost for you? It depends on your coverage tier and the amount of non-preventive health claims you have during the year.

1

If you are in this tier...

2

...and you expect health care costs in this range for the coming year, then your...

Employee Only $1,722 or less $1,723 - $7,373 More than $7,373

Employee & Spouse $3,291 or less More than $3,291

Employee & Child(ren) $3,398 or less $3,399 - $15,114 $15,115 - $15,690 More than $15,690* Employee, Spouse & Child(ren) $3,742 or less $3,743 - $12,358 More than $12,358

3

lowest out-of-pocket

cost** option is... CarePlusMAX CarePlus CarePlusMAX CarePlus

*Cost difference between plans is approximately $1.

** Your lowest out-of-pocket cost is determined by adding your employee premium contribution, health care claims applied to the deductible, coinsurance (limited by the out-of-pocket maximum), and company Health Savings Account (HSA) contribution.

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Healthy Directions: How We Stack Up

Aon Hewitt, a global consulting firm, conducts an independent, third-party analysis of benefits programs.

John Deere uses this analysis to benchmark our benefits with similarly-situated companies. The results of this comparison, called

Benefit Index, show Healthy Directions is in the top quartile of health benefits offered when considering employee premium

contributions, point-of-care costs, and company-provided funds.

Who We’re Compared To Employee Only Coverage Family Coverage

– ADM – Boeing – Caterpillar – Cummins – General Electric – Honeywell – Illinois Tool Works – Johnson Controls – and others...

– Among the most affordable employee premium contributions – Lowest out-of-pocket maximum – Higher deductible, yet other

companies continue to remove plans with lower deductibles – The most you would pay for

Employee Only coverage is 40% below median cost at other companies*

– Among the most affordable employee premium contributions – Lowest out-of-pocket maximum – Higher deductible, yet moving

closer to other companies

– The most you would pay for Family coverage is 33% below median cost at other companies*

*The most you would pay includes employee premium contributions minus HSA contributions from Deere plus out-of-pocket claims costs.

Dependent Eligibility and Verification

Eligible dependents include your:

– Spouse if he or she is not enrolled or receiving benefits from another John Deere-sponsored medical or dental plan – Children under age 26*

– Children who are totally and permanently disabled regardless of age, as long as the disability starts while the child qualifies as a dependent

* Eligible children include your biological and legally adopted children, stepchildren and children whom legal adoption proceedings have started.

In order to determine benefits eligibility and ensure

timely enrollment in your benefits, you are required

to submit copies of the following (if applicable):

□ Birth Certificate for you

□ Marriage Certificate

□ Birth Certificate for your spouse

□ Birth Certificate for all of your eligible dependents (adoption decree(s), or formal documentation to show legal adoption proceedings have begun is also acceptable)

If you do not provide this documentation within 31 days of hire, you or your dependent(s) will not be enrolled in benefits until the appropriate documentation is received.

What if I don’t have a copy of my birth certificate or

marriage certificate?

Most records are available from the courthouse of the county of marriage, birth or adoption. In many cases, you can request copies online, by phone or mail.

Can I use something other than a birth certificate for

verification?

Yes. You can submit a copy of one of the following documents: – Adoption Papers

– Formal paperwork that legal proceedings for adoption have begun

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Differences Between Plans

Employee premium contribution amounts

CarePlus has higher employee premium contributions; CarePlusMAX has lower employee premium contributions – Deductible amounts

CarePlus has a lower deductible; CarePlusMAX has a higher deductible

Maximum out-of-pocket expense

CarePlus has a lower maximum out-of-pocket cost limit; CarePlusMAX has a higher maximum out-of-pocket cost limit

Coinsurance

CarePlus has a higher coinsurance rate; CarePlusMAX has a lower coinsurance rate

Health Plans

Your willingness to be good stewards of our benefits programs and make wise health care and lifestyle decisions is allowing us to offer competitive benefits.

You have access to two health plans: CarePlus and CarePlusMAX. For more detailed information on each plan, view the Summary of Coverage documents on the Healthy Directionswebsite.

Common to Both Plans –Cost of health care benefits

John Deere pays a significant portion of the cost for your health care benefits

Coverage tiers

Employee Only, Employee & Spouse, Employee & Child(ren), and Employee, Spouse & Child(ren) –Preventive care at 100%

Full coverage for eligible services* like annual physical exams

Types of covered health care services Medical, prescription drug, vision, and hearing –Health benefits protection

For covered in-network services once the deductible is met –UnitedHealthcare (UHC) network

Broad network of providers; no referrals from a primary care physician needed to see an in-network specialist –Plan Selector Tool

Helps you and your family choose the plan that best suits your needs

* For a complete summary of preventive care services, please visit the

Healthy Directions website at www.deere.com/HealthyDirections.

Dental

The dental plan pays benefits for a broad range of covered dental services. Dental coverage is separate from the health plan, and maintains separate employee premium contributions, deductibles, and annual/lifetime maximums. You can receive dental services from any licensed dentist; there is no UHC dental network.

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2016 Health Plan Comparison

Which health plan is right for you? It depends on your personal health care needs and what matters most to you and your family. Use the tables below—and the personal information available on myuhc.com—to compare the coverage under our two health plans. We’re also including information on our dental benefits.

Semi-Monthly Rates Weekly Rates

Employee Only Employee & Spouse Employee & Child(ren) Employee, Spouse & Child(ren) Employee Only Employee & Spouse Employee & Child(ren) Employee, Spouse & Child(ren)

CarePlus $32.57 $93.19 $73.23 $138.80 $15.03 $43.01 $33.80 $64.06

CarePlusMAX $23.49 $80.19 $56.62 $110.72 $10.84 $37.01 $26.13 $51.10

Dental $2.64 $8.52 $6.98 $12.83 $1.22 $3.93 $3.22 $5.92

Employee Only Employee & Spouse Employee & Children Employee, Spouse & Children CarePlus CarePlus MAX CarePlus CarePlus MAX CarePlus CarePlus MAX CarePlus CarePlus MAX Deductible

(paid by you)

$1,450 $2,350 $2,900 $4,700 $2,900 $4,700 $2,900 $4,700

HSA

Contribution* (made by Deere)

$750 $750 $1,400 $1,400 $1,400 $1,400 $1,400 $1,400

Coinsurance (paid by you after deductible)

20% 10% 20% 10% 20% 10% 20% 10%

Preventive Care (paid by the plan)

100% 100% 100% 100% 100% 100% 100% 100%

Out-of-Pocket Maximum

$2,700 $2,900 $5,400 $5,800 $5,400 $5,800 $5,400 $5,800

Least You

Would Pay** $32 -$186 $837 $524 $358 -$41 $1,931 $1,257

Numbers in red indicate that HSA contributions from Deere are more than what you spend on employee premiums during the year — so you actually make money.

Most You Would Pay***

$2,732 $2,714 $6,237 $6,324 $5,758 $5,759 $7,331 $7,057

*Pro-rated depending on your eligibility or date of hire.

**Includes employee premium contributions minusHSA contributions from Deere

*** Includes employee premium contributions plus cost of out-of-pocket maximum minus HSA contributions from Deere

Note: This is a high-level summary only; detailed Summary of Coverage documents are available on the Healthy Directions website. Amounts do not reflect the tax savings to you that result from employee and HSA contributions being made on a pre-tax basis. This can save you as much as $1 for every $3 to $4 you contribute. The benefit comparison is for allowed covered benefits provided by network health care providers.

Different Deductibles. Same HSA Benefit.

Whether you enroll in CarePlus or CarePlusMAX, you can use HSA dollars, including what John Deere contributes to your account, to pay for eligible health care services right now (subject to IRS rules).

Your HSA money is just that—yours. You decide when, how, and where to use your HSA funds. Don’t miss out on this great benefit by forgetting to contribute in 2016! For more information, see the Wealth section of this guide.

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What to Know

Health Savings Account (HSA)

To open your HSA and make elections for 2016, you will do so through Fidelity — our HSA administrator

– Go to netbenefits.com or call Fidelity at 1-800-354-3427 to make your HSA elections

– Annual IRS limits on how much can be contributed to an HSA: $3,350 (Employee Only), $6,750 (Employee & Spouse, Employee & Child(ren), and Employee, Spouse & Child(ren)) – John Deere provides a contribution of $750 for Employee Only coverage or $1,400 for Family coverage, pro-rated depending on your eligibility or date of hire

Limited Purpose Health Care Flexible Spending

Account (FSA)

– The contribution limit for the Limited Purpose Health Care FSA is $2,550

– Call Deere Direct at 1-888-432-3373 if you want to contribute to an FSA

Wealth

The wealth benefits John Deere offers through Healthy Directions provide

opportunities for you and your family to save pre-tax dollars for health care

expenses—and receive contributions from the company to help you pay for

health care.

Did You Know

To determine if you and, if married, your spouse are eligible for an HSA, follow these steps:

First: Verify that you meet the four main HSA eligibility criteria:

– You must be enrolled in a high deductible health plan such as CarePlus or CarePlusMAX

– You may not be enrolled in another health plan that is not a Health Savings Account-eligible health plan, including Medicare* – You cannot be claimed as a dependent on someone else’s federal tax return

– You or your spouse may not participate in a “general purpose”** Health Care Flexible Spending Account (FSA)

Second: If you are married and your spouse would like to have his/her own individual HSA, verify that your

spouse meets the four main HSA eligibility criteria above.

– If your spouse meets all four criteria, he/she is eligible to open his/her own individual HSA. Please note that only John Deere employees are eligible for the company contribution to the HSA.

– If your spouse does not meet all four criteria, but you do, you remain eligible for an HSA. HSA eligibility criteria is defined by the IRS and is subject to change.

*Exceptions include specific injury or illness insurance, long-term care insurance, and specific dollar insurance, such as AFLAC. If you use military benefits, there will be a three-month waiting period to make an HSA contribution.

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Contribute Grow Know – John Deere contributes up to $750

(Employee Only) and $1,400 (Family) to your HSA (pro-rated, depending on your eligibility or date of hire) if you enroll in either CarePlus or CarePlusMAX

– You can also contribute pre-tax dollars to your HSA. The IRS limits on contributions from any source are $3,350 (Employee Only) or $6,750 (Family). If age 55 or older in 2016, you can make a $1,000 catch-up contribution

– You can change your contributions any time during the year

– If you’re enrolled in either CarePlus or CarePlusMAX and are not eligible for an HSA, you’ll receive the company contribution automatically through your paycheck rather than a company deposit into an HSA. The company contribution will be taxable income

– The money you and John Deere contribute to your HSA goes in tax free

– When HSA funds are used for eligible medical expenses, the money comes out tax free – Investment earnings on your HSA

funds grow tax free

– Any remaining HSA balance at year’s end rolls over; there’s no “use it or lose it” feature

– Account balance can continue to grow for use on eligible medical expenses in retirement

– To make HSA contributions, you must actively elect how much you want to contribute per paycheck – HSA funds can be used for

qualified health care expenses, including out-of-pocket vision and dental expenses

– New HSA participants need to open an account by the first of the month in which medical coverage begins to receive a pre-tax contribution from John Deere – If you don’t open your account in

time and receive a contribution as a taxable payment, you can increase your payroll contribution election to receive the full tax benefit

– The HSA is yours to keep; you take the money with you if you retire or leave the company.

*To see other eligibility restrictions, please search for “Publication 969” on www.irs.gov.

Flexible Spending Accounts (FSAs)

A Limited Purpose Health Care FSA uses pre-tax dollars to pay for out-of-pocket vision and dental expenses in combination with an HSA. A Dependent Care FSA uses pre-tax dollars to pay for dependent care expenses*.

Contribute Grow Know

– John Deere does not make contributions to FSAs

– You can contribute pre-tax dollars to either or both a Limited Purpose Health Care FSA and/or a

Dependent Care FSA

– The IRS limit for Limited Purpose Health Care FSA contributions is $2,550 per household; the minimum annual deferral is $48 – The IRS limit for Dependent Care

FSA contributions is $5,000 per household; the minimum annual deferral is $48

– To change contributions during the year, you must experience a qualifying life event, such as a marriage or birth of a child

– There is no opportunity to invest FSA funds

– The Limited Purpose Health Care FSA allows you to roll over up to $500 of unused funds. Any balance above $500 remaining at year-end will be forfeited, per IRS

restrictions

– The Dependent Care FSA is “use it or lose it”; any remaining balance does not roll over year to year, per IRS restrictions

– To make contributions to any FSA, you must actively elect the total annual amount to contribute – The Limited Purpose Health Care

FSA is for qualified out-of-pocket dental and vision expenses only – The FSA is not yours to keep; if you

leave the company, claims for eligible expenses must be submitted before you leave

Health Savings Account (HSA)

An HSA offers a tax-favored way for you to pay for current and future qualified health care expenses, including your deductible, coinsurance, and eligible medical expenses not covered by our health plans.

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Lifestyle

You can manage or maintain your health by taking advantage of the wellness

resources provided through Healthy Directions. Doing so can help you lead a

healthy, productive life and make the most of your health care dollars—now

and in the future.

myHEALTH

We all have questions about our health—whether we just received a diagnosis or we’re simply trying to live a healthy lifestyle. Yet, with our busy lives, it can be challenging to quickly find the right information.

myHEALTH provides help on topics like: diabetes, heart health, cancer, joint and back pain, nutrition, stress management, and more. If it’s health-related, myHEALTH is here to help. Contact myHEALTH any time of day or night, year-round, by calling 1-888-JDEERE1 (1-888-533-3731).

Rally

SM

You will be able to access Rally on myuhc.com. Rally is a myuhc.com benefit brought to you by UnitedHealthcare for John Deere. When you sign up with Rally, you will:

Get your Rally age by answering a few questions to assess your overall health

Build better habits by following personalized activity recommendations to reach your health goalsWin rewards by collecting Rally coins for a chance to win prizes

What to Know

myHEALTH

– An easy, convenient way for you and your family to find information and support that will help you make healthier choices—all at no cost to you

Rally

SM

– A personalized digital wellness website designed to inspire a healthier you, every day. It gives you the tools to help you build positive habits—and stick to them

Fitness Center Reimbursement

– John Deere will reimburse a portion of your fitness center membership

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Resources Available on Deere.com/HealthyDirections

Biometric Health Screening Take advantage of on-site or off-site screening options to get your numbers and track your health in several key areas, including cholesterol, body mass index (BMI), glucose (or blood sugar), and blood pressure.

Flu Shots We offer on-site employee flu shot events to get you vaccinated and keep you, your family, and your colleagues healthier during flu season. In addition, you and your covered family members can visit a UHC provider or pharmacy for a preventive flu shot.

LiveWell WorkWell Our Employee Assistance Program (EAP) helps you manage your total health and balance your personal and work-life needs. It includes counseling, resources, and information on legal, financial, work-life, and other issues.

myHEALTH Whether you just received a new diagnosis or are simply trying to live a healthy lifestyle, myHEALTH can help you find information and support that will help you make healthier choices—all at no cost to you. Call 1-888-JDEERE1 (1-888-533-3731) to take advantage of these myHEALTH tools:

Wellness Coaching. Engage with a wellness coach to quit tobacco, manage your blood pressure and cholesterol, improve your heart health, reduce your stress, improve your diet and nutrition, lose weight, and more.

myuhc.com®. A simple one-stop shop for all of your plan information including: information on benefits and coverage, network doctor directories, prescription management, health care cost estimates, wellness tips, and more.

QuitPower® tobacco cessation. A clinically-proven, confidential resource to support your efforts to quit. The telephone-based program includes counseling and no-cost nicotine replacement therapy. – Support and Specialty Resources. UHC offers a variety of programs including behavioral health,

healthy pregnancy, diabetes prevention, cancer support, disease management, and more.

My John Deere Benefits A web-based training course in John Deere University covering the variety of benefits you receive as a valued John Deere employee. The training is free of charge, available at any time and can be taken in pieces and as many times as you’d like. Use the course to learn more about your benefits and how to use them to best suit your needs.

Summary Plan Description (SPD)

This online, searchable document outlines the benefits you receive as a valued John Deere employee. The document includes quick links that let you easily jump back and forth within the document to find answers. It is also organized in helpful categories such as My Health, My Retirement, and more.

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The information contained in these materials is based upon the company’s interpretation and understanding of the state and federal tax codes and regulations on the date of this publication. These laws and regulations, as well as the company’s interpretations, may change from time to time. Details of the health plans and tax code regulations, as well as

governmental rulings, may also affect the answers to the questions provided in these materials. Employees/Retirees should seek more information from their tax advisors in order to gain a full understanding of Health Savings Accounts, limited purpose Health Care Flexible Spending Accounts, Dependent Care Flexible Spending Accounts, Retiree Medical Credits, and how the various state and federal tax laws govern their use.

This document is intended to present a summary of the health care benefits and benefit elections that are available to you; however, this material does not, of itself, create or modify your benefits. The terms of the applicable benefit plans, and all company actions administering or interpreting these plans, continue to control.

Deere & Company reserves the right to suspend, amend, modify, or terminate the Plan(s) in any manner at any time, including the right to modify or eliminate any cost-sharing between the company and participants. Changes, which can be made at any time, are made by action of the company’s board of directors, or to the extent authorized by resolution of its board of directors, or by the Deere & Company Compensation Committee. In the event of a conflict between the language of the official Plan Documents and this document, the language of the official Plan Documents will control.

Rally Health provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor’s care. If you have specific health care needs, consult an appropriate health care professional.

myHEALTH should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. Information provided is educational and informational only and may be limited by the information you share or could be subject to change (for example, if your benefits change). Nurses and other phone representatives cannot diagnose problems or recommend treatment and are not a substitute for your doctor’s care.

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