Full Time Benefits Package:

Health Insurance
ARA offers one of 2 health insurance plans to its full-time regular employees.

A. Blue Cross/Blue Shield Traditional Blue POS 204 with a three-tier ($7/$25/$40) prescription drug program. ARA will pay the full premium for single or family coverage for each full-time regular employee. Annual deductibles are $500 per individual/$1000 per family for out-of-network services. Dependent child coverage provided to age 19, or if a full time student, to age 25.

B. Blue Cross/Blue Shield Traditional Blue PPO 813 with a three tier ($7/$25/$40) prescription drug program. Annual deductibles are $1000 per individual/$2000 per family for out-of-network services. Dependent child coverage provided to age 19 or if a full time student, to age 25. Effective June 1, 2006, ARA will pay the equivalent of the Traditional Blue POS 204 plan premium toward the Traditional Blue PPO 813 plan's premium for full-time regular employees electing to begin participating in the plan on or after June 1, 2006. For eligible, full time regular employees who waive their rights to elect health insurance coverage and later elect to begin participating in the health insurance coverage on or after June 1, 2006, ARA will pay the equivalent of the Traditional Blue POS 204 plan premium toward the Traditional Blue PPO 813 plan's premium. Premiums are deducted from employee's paychecks on a pretax basis on the 1st and 2nd pay date of the month in equal amounts. For eligible full time, regular employees participating in the plan on May 31, 2006, ARA will pay the full premium for the single or family coverage.

This coverage will become effective the 1st day of the month following 30 days from the employee's full-time start date.

Dental Insurance
ARA offers a dental plan for employees who work at least 20 hours per week. For those employees who elect to join this plan, premiums are deducted from the employees paycheck on a pre-tax bi-weekly basis. The coverage will become effective the 1st day of the month following 30 days from the employee's full-time start date.

Retirement Plans
T. Rowe Price 401(k) retirement plan: Any ARA employee, who has reached the age of 21 and has completed a twelve month period of employment during which 1,000 hours was worked, is eligible to participate in the 401(k) profit sharing pension plan sponsored by T. Rowe Price. The employee has the option of making a contribution (salary deferral) of 1%, 2%, or 3% of their gross pay and ARA makes a contribution of 2.33%, 4.66%, or 7% respectively, of the employee's gross pay.

Merrill Lynch 403(b) salary reduction plan: This plan allows the employee to make tax-deferred contributions (subject to FICA, but not Federal or State income taxes).

Leave Accruals

• Vacation leave is accrued at the rate of one day per month, to a maximum accrual of 24 days.

• Sick leave is accrued at the rate of one day per month, to a maximum accrual of 40 days.

• ARA offers employees 12 paid holidays annually.

• Three personal leave days are accrued on the employee's anniversary date.

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