Benefits

We recognize that our employees are our company's most valuable asset and that without the professionalism, support, and innovation of AFS employees, we would not be considered the best in the business. That's why AFS is committed to providing a full range of health, retirement, and other valuable, benefits, as well as ongoing education to make our employees' lives easier, healthier, and more secure.

Eligibility for benefits varies depending upon the benefit chosen. Additional information regarding specific benefit eligibility may be obtained from the AFS Human Resource Department.

AFS 401(k) Profit Sharing Plan
The AFS 401(k) Profit Sharing Plan enables AFS employees to invest for retirement on a pretax basis. Employees may invest up to 35% of their salary in a variety of investment options sponsored by the company. After six months and at least 1,000 hours of employment, AFS will match each dollar of employee savings with a 50-cent contribution for up to 6% of an employee's salary.

Employees are 100% vested in the amount of salary they choose to defer, and full vestment in the AFS matching contribution is gradually attained over a six-year period. Other benefits of the plan include self-directed stock options, Roth 401(k) and the option to borrow against plan savings. The plan is currently administered by Merrill Lynch Securities. Participants have access to their individual account via a toll-free number or the Internet.

Educational Reimbursement
AFS provides educational assistance to all eligible employees. Reimbursement for approved courses is based on the submission of a passing grade.

Job Posting
AFS continually looks for opportunities to promote from within and will attempt to fill all available positions from the pool of current employees. All positions are posted by the Human Resources Department.

Staff Referral Bonuses
Referral bonuses will be paid to employees who recommend candidates who are subsequently hired by AFS.

Training
AFS continually expands its in-house training programs to further enhance employee technical and professional skills.

Medical, Dental, Vision and Prescription Coverage
AFS offers medical and prescription coverage to all full-time employees and their eligible dependents. This coverage is provided through Independence Blue Cross. The plan options under this benefit program include Keystone HMO, Direct Point of Service (POS) and Personal Choice (PPO). You can access the network of providers included within these Independence Blue Cross plans by visiting www.ibx.com.

Dental coverage is provided through MetLife, with Vision coverage provided through Vision Services Plan (VSP). You may access their network of providers by visiting Metlife at www.metlife.com/dental or VSP at www.vsp.com.

Plan features include:

	Services can be obtained from a network provider for medical coverage or employees can use the services of physicians outside the plan network.
	Dental coverage includes 100% coverage of semi-annual check-ups when an in-network provider is used. All other approved dental procedures are up to 80% reimbursed with an annual deductible of a minimum of $25 depending upon the type of coverage and whether the service is provided in or out-of-network.
	Vision care benefits include reimbursement for annual eye examinations and corrective lenses, including contacts. Reimbursement for eyeglass frames can occur as frequently as every 24 months.
	For a nominal co-payment, prescription drugs are available. The plan also offers a mail order program for prescription drugs.

AFS has taken the necessary steps to ensure that they are in compliance with the Health Insurance Portability and Accountability Act (HIPAA). AFS's Notice of Privacy Practices Regarding Health Benefits may be viewed by clicking on the following link.

Vacation and Personal Days
All full-time staff members are eligible for paid vacation. The minimum number of vacation days a staff member can accrue is 10 days per calendar year. Additional vacation benefits are provided based on length of service and other criteria. AFS also allows employees to accrue two paid personal days per calendar year.

Holidays
AFS provides 7.5 paid holidays each year.

Sick Leave
Employees are paid for sick leave up to an amount of time considered reasonable by AFS management.

Family Leave
AFS provides eligible staff members to take up to 12 weeks of unpaid leave to care for newborn or adopted children. This time may also be used to care for family members suffering from serious medical conditions.

Military Leave
A two-week leave per calendar year for Reserve Duty is granted to any employee who is called to serve.

Funeral Leave
A reasonable number of days with pay is granted to an employee if there is a death in their immediate family. A leave of one day with pay may be taken for other blood relatives.

Life, Accidental Death, and Dismemberment Insurance
Life insurance is provided to all full-time employees at a rate of four-times an employee's base salary. The maximum benefit is $500,000. Accidental death and dismemberment insurance is provided by AFS at a rate of three times an employee's base salary, with a maximum benefit of $300,000.

AFS also provides travel and accident insurance for employees traveling on company business.

Short-term and Long-term Disability
After eight consecutive days of absence from work due to illness or injury, an employee may be eligible for short-term disability benefits. Short-term disability benefits are calculated as a percentage of base salary with a maximum specified by Human Resources. Short-term disability may continue for a period of up to 90 days.

Long-term disability is a source of additional benefits for employees after a waiting period of 90 days. Long-term disability benefits are provided to employees at a rate of 60% of base salary, with a maximum monthly benefit specified by Human Resources.

In compliance with federal and state laws, Workers' Compensation benefits are provided to AFS employees.

Flexible Spending Accounts
AFS has established a program to assist staff members in paying for certain medical, dental and dependent care expenses on a pretax basis. This program enables employees to contribute to Medical Reimbursement Accounts or Dependent Care Reimbursement Accounts, also known as flexible spending accounts. Eligibility begins with employment, or if not elected at the time of employment, the entry date for flexible spending account benefits is June 1.