The document discusses various employee benefits available to AoC employees including pension schemes, healthcare coverage, childcare vouchers, study support for professional qualifications, cycle to work and lifestyle benefits. It provides details on the London Pension Fund Authority pension scheme and option for personal pensions. Healthcare coverage through Multiplex is outlined including monthly subscription costs and eligibility. The childcare voucher scheme through EdenRed is described as saving up to £1,195 annually in tax-free childcare vouchers. Study support benefits from AoC include up to 80% course cost coverage and time off for exams.

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

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

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

4. London Pension Fund Authority Scheme Final salary scheme Death in Service AoC contribute 14.1% of your annual salary You contribute 5.5 – 7.5% dependent on salary Speak to the LPFA today on 020 7369 6118 Pensions

5. Of course there are lots of Pension schemes out there… So we also give you the alternative option of choosing your own Personal Pension Scheme AoC contribute 8% of your annual salary You can chose your level of contribution Pensions

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

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

8. Access to private medical care Or cash back for treatment under the NHS Claims considered on case by case basis Free Call a Doctor Service Free Counselling Sessions Free telephone counselling service A benefit for your partner and/or dependants that live with you Healthcare

9. The claims procedure Healthcare

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

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

12. AoC with Eden Red (part of Accor Services) Salary Sacrifice up to £243 per month* tax free Childcare for children up to age 16 Scheme open to mums & dads Personal online account to access vouchers Save up to £1,195 annually (per parent) Family Advice Line Accor discounts for family days out & shopping Childcare Scheme

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

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

15. If there is a professional qualification that would help you to achieve even more in your role at AoC our study support benefits include: AoC contribute of up to 80% the cost of training You repay 20% via an interest free loan Time off to study for your exams Distance learning Part-time Courses AoC Study support

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

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

18. Your Employee Benefits Checklist talk to a financial advisor/ your bank about whether a pension is a positive option for you. check the financial cost of Multiplex healthcare and its value for you/ and additional members of your family? do you pay for childcare? If so you will save money in by opting into the Childcare scheme. Are there professional courses that would help you develop in your role? Investigate them and discuss them with your manager.