If you work for one of RMI's client companies that offers a basic life insurance policy to it's full-time employees and you are paying for dependent life insurance coverage, the small monthly premium that you pay is currently being deducted from your paycheck pre-tax. Beginning with your first January 2011 payroll, this premium will no longer be deducted pre-tax. All basic life insurance premiums for dependents will be deducted on a post-tax basis. Since the monthly premium is typically less than $1.00 per month, you will only end up paying a few additional pennies each month in taxes.

This change does not affect supplemental dependent life insurance premiums. These premiums always have been deducted post-tax.

If you have any questions about how the basic life dependent premium will be deducted in 2011, please contact RMI's Benefits Department at (888) 764-0200.

Beginning November 15, 2010 through December 17, 2010 is open enrollment for the 2011 125(c) Flexible Spending Account Plan for all eligible RMI employees. The 125(c) Plan allows employees to set aside money from each paycheck on a pre-tax basis to be used for out-of-pocket medical, dental, vision, and child care expenses. Examples of expenses that qualify for reimbursement under the 125(c) Plan can be found under the following link: http://www.nbsbenefits.com/documents/SampleExpensesForm.pdf. For a more detailed summary, please review the Summary Plan Description or watch the video entitled, "The Basics of Flexible Spending," on our website at www.rminc.com.

Due to changes under Health Care Reform, employees will no longer be able to receive reimbursement under the 125(c) Plan for over-the-counter (OTC) items purchased after December 31, 2010 unless a prescription from a medical provider is obtained. This does not affect the purchase of insulin and items not considered medicines or drugs (e.g., crutches, bandages, etc.) Please be sure not to include the cost of any OTC items in your annual calculations when enrolling for 2011.

The maximum contribution for medical, dental (non-orthodontic), and vision expenses for 2011 is $5,000. The dependent care reimbursement maximum, set forth by the IRS, is also $5,000. RMI additionally offers a third category for orthodontic expenses and the maximum of $5,000. All expenses for orthodontic work must be claimed under the orthodontic category and cannot be claimed under the general medical/dental category. If you have questions in regards to the different categories, please contact our office for further clarification.

RMI requires all current participants to re-enroll each year for continued participation in the Plan. If you are currently enrolled for 2010 and would like to re-enroll for 2011, please log on to RMI's website at www.rminc.com, click on Employee Resource Center, then Benefits Links, and then click on the link to the National Benefit Services (NBS) website. From the NBS website, you can re-enroll on-line without having to submit any paperwork to RMI. All re-enrollees MUST enroll through the NBS website; no paper forms will be accepted. On the website, you will also be able to view your 2010 election amounts, verify your direct deposit information, or set up new direct deposit information.

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If you have previously logged into the NBS website signed up for an account, your user ID and password have been reset to default. You will need to sign up again be able to re-enroll and view your information.

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If you are not a current 2010 participant and would like to begin participating in 2011, you will need to complete the 125(c) Election Form found on RMI's website. The form can be faxed to (801) 355-0261, e-mailed to benefits@rminc.com or mailed to our office in Salt Lake City.

Listed below is important information you should understand before enrolling in the Flexible Spending Account Plan for 2011:

• The IRS has established a "use it or lose it" rule for 125(c) Plans to protect against tax evasion. When enrolling, you should contribute a conservative amount to ensure that you are able to use your entire account balance prior to December 31st.
• RMI's Plan runs on a calendar year. Only expenses from 2011 will be eligible for reimbursement under the Plan in 2011.
• If you terminate employment mid-year, you cannot submit expenses for claims incurred after your termination date.
• If you are participating in the day-care category of the Plan, you will need to submit a new continual reimbursement for the 2011 Plan year. This form can be found on RMI's website. Please also note that you will be required to submit quarterly receipts to NBS for continued reimbursement.
• Claims payment tracking can be found by accessing your on-line account. You can use this feature to track your reimbursements and monitor your account balance. A 24-hour toll-free number (888) FLEX-125 is also available for you to use to acquire information regarding your balances and payment history.
• Claims can be submitted on-line which means that you do not have to submit receipts through fax or mail.

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All 125(c) election forms for new participants and all on-line enrollments for current participants MUST be received by RMI no later than December 17, 2010. On December 18, 2010 the on-line enrollment feature through the NBS website will be turned off and you will not be able to enroll after this date.

If you have any questions regarding the 125(c) Flexible Spending Account Plan or if you need assistance with enrolling either on-line or with a form, please contact the Benefits Department at (888) 764-0200.

Zions Bank is happy to offer the employees of Resource Management, Inc. the products and services offered by Zions Bank @ Work. Open one of these great checking or savings accounts and sign up for direct deposit. It's easy to do and with direct deposit your paycheck gets automatically deposited to your account.

FREE Affinity Regular Checking

• No monthly service fee
• Unlimited check writing
• Unlimited ATM access
• Free Affinity checks
• Free Visa Check Card
• Free bill pay

Affinity Gold Interest Checking

• Earns higher interest
• Free imprinted checks (up to $15 per box)
• Free bill pay
• Higher interest rate on Gold Savings products
• No fee on money order and official checks
• New low minimum-$500.00

1/2% Discount on Consumer Loan interest rates with automatic payment service, including:

• Personal
• Auto
• Boat
• RV

Credit Cards
First year fee waiver on AmaZing Rewards when you open a Zions Bank @ Work Visa Classic* or a Zions Bank @ Work Visa Platinum*. Also, enjoy Zions Cash Rewards. Hundreds of participating merchants want to give you as much as 50% cash back simply by shopping at their establishment. For information on both programs, visit www.zionsbank.com.

Affinity Savings Account

• No minimum to open
• No service fee
• Unlimited ATM withdrawals

Affinity Money Market

• Earns higher interest
• No monthly service fee
• Limited check writing capability
• $1,000 minimum opening deposit

Home Mortgage Discount*
Zions Mortgage Company is offering a .10% discount on mortgage loan origination fees. Subject to credit approval

Please call 1-888-874-0619 to open up your accounts today. When calling please refer to promotional code "Resource Management BW2."

Accidents involving skidding or bad weather conditions are preventable. You are responsible for keeping your vehicle under control no matter what the road or weather. Bad weather doesn't cause accidents. Weather conditions create driving hazards. It is up to you, the driver, to know how you deal with them. Professional drivers know bad weather and hazardous road surfaces mean it is time to adjust speed – or even get off the road until conditions improve.

Here are some reminders of how to drive safely in winter conditions:

• Before you start out, clear the entire windshield and all windows and mirrors. You need to be able to see as much as possible around you to avoid collisions.
• Keep brake and signal lights clear of ice and snow.
• Keep your eyes moving to be aware of the traffic situation all around you. Don't just concentrate on what is right in front of you. Scan the distance and glance frequently at your mirrors. If you receive information too late you will have to make a sudden move.
• Watch and anticipate hazards.
• Double the following distance at least between you and the vehicle ahead of you.
• Maintain as much free space around your vehicle as possible. Keep the sides and rear of your vehicle as clear of other vehicles as possible.
• Maintain communication with other drivers to make sure they see you and you understand one another's intentions. Use your lights, horn and even eye contact to communicate.
• Adjust your speed to road conditions. Allow more travel time.
• Pay attention constantly to the road conditions, which can vary even from one lane to the next.
• Build up your speed gradually before traveling uphill. Shift down smoothly, possibly before you start up. As you reach the top, be ready for unseen hazards such as a sudden downhill grade or a stalled vehicle.
• Use lower gears instead of brakes to travel down a steep hill.
• Avoid sudden steering movements. Be ready to steer smoothly as you approach a curve. Plan any lane changes well ahead of time.
• On icy roads, any driving maneuver can set off a skid. Braking, steering, accelerating and taking your foot off the accelerator can all result in a loss of control. Carry out these moves with a light touch, being continually aware of the vehicle's response.
• Brake correctly for the type of vehicle you are driving. For some braking systems, a quick, light pumping of the brakes is the way to stop on ice while maintaining steering control. Avoid locking the brakes. If you have air brakes, keep an eye on the air pressure. Anti-lock braking systems (ABS) should not be pumped. Check with the manufacturer for the correct operation of your braking system.
• Keep all your wheels moving to maintain control of your vehicle. Locked wheels can result in loss of control.

For more information or training on Safe Driving, please contact your RMI HR Representative.

According to Liberty Mutual's Workplace Safety Index, same-level slips, trips and falls are the second leading causes of employee injuries. Falls to a lower level, including falls from stairways, are the third leading cause. Falls from stairways include slips and missteps from stairways primarily during descent. In addition, customers and visitors are exposed to slips, trips and falls while on your premises.

For northern regions and other colder climates, additional maintenance must be focused on outdoor and subsequent indoor exposures during winter months. Slips and falls in outdoor environments can be caused by rain, sleet, ice, snow and other elements that cause surfaces to become slippery. It may not be feasible to control environmental conditions that increase the slipperiness of outdoor walkway surfaces. However, we can reduce the likelihood of a slip and fall incident by improved design of entrances, selection of matting at entrances and lobbies, selection of exterior walkway surfaces including sidewalks and surfaces in parking garages, maintenance, lighting, and awareness of potential hazards.

Outdoor Slip, Trip and Fall Causes

• Faulty or housekeeping – dirt, sand, grease, ice, snow.
• Defective walkways – damaged uneven walking surfaces, slippery surfaces walkways, curbs, sidewalks.
• Weather changes – snow, ice, sleet, rain, hail.
• Insufficient or inadequate lighting – limited visibility of walking surfaces and area.
• Containments and/or debris – garbage, dirt, grease, oil, gravel, etc.
• Elevation changes – curbs, steps/stairs, surface transitions, door thresholds, elevations ¼ inches high or greater.
• Parking lots – potholes, cracks, depressions, parking stoppers.

Outdoor Slip, Trip and Fall Prevention Checklist

• Frequently inspect outdoor parking lots and exterior walkways for potential hazards, and take corrective action.
• Maintain good housekeeping throughout the parking lot and adjacent features.
• Eliminate or repair uneven walking surfaces.
• Maintain parking lot and walkway routes free from potholes, uneven surfaces, cracks and other tripping hazards.
• Properly illuminate parking lots and walkway routes.
• Clearly mark designated traffic patterns.
• Ensure that parking lot striping, crosswalks, traffic patterns and curb warnings are painted and in good condition.
• Provide stair rails and handrails along stairs in accordance with federal, state and municipal codes.
• Highlight transitions in ground height. Use Safety Yellow to make hazards visually detectable.
• Keep all walking surfaces and parking lots clear of potholes, cracks, water, ice, snow and debris.
• Direct drainage away from sidewalks and parking lots.
• Train employees to correct any safety concerns or report them to management immediately.
• Investigate and document incidents involving slips, trips, and falls to identify root causes.

For more information regarding this workplace safety, please contact your RMI HR Representative.