Brief Explanation:

It is very important that employees eligible for coverage read the accompanying information carefully and take timely action as appropriate. For your convenience, the open enrollment material may be accessed via the Employee Benefits web site: www.sandi.net/benefits. Also, open enrollment changes may be accomplished on-line or by following the procedure on page 3 and 4 of the attached materials.

Important: Please note that the Prudential HMO and POS medical plans are now offered as the Aetna Patriot V HMO and Aetna QPOS (Point of Service), respectively. If you are currently enrolled in a Prudential plan and are satisfied with your coverage, you do not need to complete a new enrollment form during this open enrollment period. All employees and dependents will automatically receive new Aetna cards at the end of December 2000.

Please remember that except as indicated in the "Additional Information" section on page 7 of the attached material, once this enrollment period is closed, you will not have the opportunity to make additional changes until the next open enrollment period scheduled for November 2001.

If you need additional information or have any uncertainty about your employee/dependent enrollment status, please contact the Employee Benefits Unit located in Room 1150-A at the Eugene Brucker Education Center. The telephone number is (619) 725-8130, option 6. You may also view your employee/dependent status on the Employee Benefits web site at www.sandi.net/benefits.