Curtiss Wright OEG

2014 Open Enrollment Guide

U.S. Benefit Plans Open Enrollment for 2014Monday, October 28 – November 8, 2013 Welcome to Open Enrollment for the 2014 Plan Year for our U.S. employees. There are several significant changes in our Plans this year and this brochure will help explain these changes and all the plans and programs Curtiss-Wright offers. These are important decisions about your Company Sponsored benefits many of which can be changed only under very narrow circumstances before the next Plan year. Therefore it is important that you choose wisely. Curtiss-Wright offers a broad and competitively based package of benefits at a reasonable cost. This includes comprehensive medical and prescription drug coverage, dental benefits, life and disability insurance, and popular voluntary offerings such as group legal services, financial planning, and personal home and auto insurance. As part of the Curtiss-Wright family, you are an important part of our success and these valuable benefits and programs reflect the Company’s appreciation of your contributions. Our objective is to provide a level of security from financial, emotional and physical hardship related to health, illness, and accidents. One of our dominant themes throughout the year has been about shared responsibility. With rising cost of healthcare, the new changes being implemented and costs associated with the Affordable Care Act, we need to be partners in taking a greater ownership role over our health. This is an important collaborative effort and we are introducing some new and different kinds of medical plans this year to accomplish this goal. For 2014, Curtiss-Wright will offer important medical plan options that are designed to give us more control and responsibility over how we spend our health care dollars. Along with many of our wellness initiatives, these plans will encourage us to become more involved in managing our own health and explore how our medical plans work. By doing so, we can choose the right plan and then use it properly. We are very excited about these new plans. Curtiss-Wright will also offer voluntary wellness credits that can be earned to reduce health care contributions. All employees are encouraged to take advantage of these rewards to help save money and to significantly improve self-awareness of overall health. Knowledge leads to prevention and prevention leads to improved quality of life through healthier living. Please review this Open Enrollment Guide carefully. In addition to plan information, it summarizes the steps needed to enroll for coverage. Employees can also visit the Curtiss-Wright Benefit Center Website at www.myCWBenefits.com and take advantage of the enrollment tools and resources designed to help us become better educated and make informed health care decisions. Don’t miss out! Enroll today. Sincerely, Paul Ferdenzi Vice President, Human ResourcesCourtesy of Special Collections and Archives, Wright State University.

2014 Open EnrollmentThe Curtiss-Wright Benefits Program offers you a variety of benefits options, as well as programs, tools,and resources that can help you manage your health and select the benefits that best suit both you andyour family. It’s especially important this year, with the two new CDHPs, that you spend time reviewingyour choices. This will help ensure that you enroll in a plan that meets your needs.This guide has important information about the benefits, programs, tools, and resources available toyou and your family. It also summarizes the steps you need to take to enroll for coverage. Review thisguide carefully so that you can make choices that fit your needs and the needs of your family.2014 Plan EnhancementComing Soon:Available January 1, 2014 to you and your eligible dependents, Quit for Life is a confidential tobacco cessationprogram that can help those of us who use tobacco to quit. The program uses the four essential practices toQuit for Life:• Q uit at Your Own Pace: Quit on your own terms, but get the help you need, when you need it.• Conquer Your Urge to Smoke: Gain the skills you need to control cravings, urges, and situations involving alcohol.• Use Medications So They Really Work: Learn how to supercharge your quit attempt with the proper use of nicotine substitutes or medications.• D on’t Just Quit, Become a Nonsmoker: Once you’ve stopped using tobacco, learn to never again have that “first” cigarette.By mastering these essential practices, you are eight times more likely to be successful than you would bequitting “cold turkey.”Quit for Life is completely free of charge to you and your eligible medical plan dependents. For more informationor to enroll beginning January 1, 2014, visit www.quitnow.net or call 1-866-QUIT.4.LIFE (1-866-784-8454). 1

Making Changes EligibilityDuring the Year You are eligible to participate in the Curtiss-Wright Benefits ProgramYour benefit elections remain if you are a regular full-time employee.in effect for the entire planyear. For medical, prescription For medical, you may enroll your legal spouse, legal same-sex spouse*,drug, dental, vision, and flexible and your children, up to age 26. Children include:spending accounts, as well as • Your own children;group legal coverage and • Stepchildren who live with you;financial planning, you may • Legally adopted children;drop, add, or change benefits • Children placed with you for adoption;coverage during the year only • Child for whom you have legal guardianship; andif you have an IRS-approved • Disabled dependent children who are physically or mentally incapablequalified family statuschange (QFSC). of self-support who became disabled before age 26.QFSCs include (but are not For all other dependent benefits (dental, vision, dependent life, etc.),limited to): you may enroll your legal spouse, legal same-sex spouse*, and your• Adding a dependent through unmarried children: • Up to age 19 who depend on you for their support; birth, adoption, or marriage. • Up to age 25 who are full-time students; • At any age if physically or mentally incapable of self-support if the• Losing a dependent through divorce or death, or due to a dependent became disabled before age 26; and child reaching the maximum • Children of your certified domestic partner (we only cover if legally age limit for coverage. required to do so).• Any change in your or your spouse’s employment If your legal spouse is also a Curtiss-Wright employee: status or schedule • If you have children: One of you can elect Family coverage while the impacting benefit eligibility (e.g., from full-time to other waives, or one of you can elect Employee+Child(ren) while part-time or vice versa). the other elects Employee Only coverage. Also, only one of you can elect Child Life.In general, you must report the • If you do not have children: You can each elect Employee OnlyQFSC within 30 days of the event coverage, or one can elect Employee+Spouse while the other waives.online at the Curtiss-Wright • Neither you nor your legal spouse can elect Spousal Life InsuranceBenefits Center website at (you can each elect Supplemental Employee Life).www.MyCWBenefits.comor by calling the Curtiss-Wright *If you are legally married in a jurisdiction that recognizes same-sex marriages and youBenefits Call Center at want to provide health coverage for your legal same-sex spouse and his/her dependents,1-888-292-5584. you will no longer be subject to federal income tax withholding (imputed income tax) on the value of health care benefits provided to your legal same-sex spouse and your legal same-sex spouse’s dependent children, regardless of the state in which you currently reside. In states that do not recognize same-sex marriage, the value of coverage for your legal same-sex spouse and your legal same-sex spouse’s dependent children may still be subject to state income tax. 2

■■ It Pays to Take Action We all know that taking good care of ourselves is important. However, taking action can be difficult. To help you understand your overall health status and encourage you to take action to improve it, Curtiss-Wright will reward you for getting an annual well-exam and taking the Health Risk Assessment. Voluntary Wellness Credits $75 Per Month When You Receive a Well-Exam* You get an annual well-exam through an on-site biometric screening or from your own doctor. If you go to your doctor, you will need to submit a completed Physician Form to HeartScreen, Curtiss-Wright’s biometric screening administrator. $25 Per Month When You (and Your Spouse, if Both Covered) Complete the Health Risk Assessment (HRA)* The HRA is a confidential, 20-minute questionnaire about your health, lifestyle risks, basic biometric information, and desire for change. Once complete, it provides a detailed report showing your current health status, highlighting any areas of concern and recommending specific programs suited to your situation. You and your spouse (if both of you are covered under a Curtiss-Wright benefits plan) must complete the HRA and all biometric questions in order to be eligible for the credit. To take the HRA, log on to your health plan administrator’s website (www.MyCigna.com), or contact the Curtiss-Wright Benefits Call Center at 1-888-292-5584 to request a paper version of the HRA if you do not have access to a computer. *To guarantee you receive all available wellness credits in your first paycheck of 2014, you must complete the well-exam requirement by October 31, 2013, and you (and your spouse, if both covered) must complete the HRA requirement by November 30, 2013. Wellness requirements completed after these dates will be applied with your next available paycheck, as soon as administratively possible, on a go-forward basis only. Do you remember what the October 31, 2013, deadlines are for getting a for the well-exam and well-exam and completing November 30, 2013, the HRA? for the HRA. 3

If You Do Not Enroll Health Care BenefitsIf you do not enroll, For 2014, Curtiss-Wright will offer two Consumer Directed Health Plans (CDHPs) withyou will receive default Health Savings Accounts (HSAs) — the Choice HSA and Consumer HSA. Both planbenefits. This means options will be available through Cigna.you will not havemedical, prescription CDHP with HSA Plansdrug, dental, or visioncoverage or flexible CDHPs encourage you to take more control over how you save and spend yourspending accounts. health care dollars, encouraging you to be healthy. They provide comprehensiveHowever, you may coverage — just like a traditional PPO plan. Under the CDHP, you can see anyreceive some provider you choose without a referral and you have a choice of receiving in-networkCompany-paid benefits. or out-of-network care. An HSA is what makes the CDHP unique. It is a special bank account you own and use to pay for current and future health care expenses, including: • Deductible • Qualified dental and vision expenses • Coinsurance • Copays • E xpenses above reasonable charges if you • Prescription drugs use out-of-network providers HSAs have a triple tax advantage: Money goes in tax-free, grows tax-free, and is tax-free when used to pay for eligible health care expenses. What’s more, once the money is in the account, it is yours to keep or use toward eligible health care expenses. You can also take it with you if you retire or leave Curtiss-Wright. If you enroll in a CDHP with HSA, you will establish your HSA through JPMorgan Chase.I heard the HSA helpsus save for the future. Yes. And if we enroll in either of the CDHPs, Curtiss-Wright will contribute to our HSA. 4

The Consumer Directed Health PlanTo understand how these plans work, think of your health care costs like a two-story house:• Y ou are protected, by both foundation and roof, by fully paid routine preventive care, including preventive maintenance medications that you need in order to be healthy and protected from the high cost of care if you have a serious illness or injury.• In between is the care you need for mild to moderate illnesses or injuries: • On the “first floor” is the deductible, which is paid 100% out-of-pocket. • On the “second floor” is coinsurance, where the cost is shared with the Company. If you use in-network providers, the plan pays the majority of eligible charges after you meet the deductible, and you pay the remaining costs — that is, you pay coinsurance until you reach the out-of-pocket maximum.Company ROOOFut-of-Pocket Once you reach the out-of-pocketPaid Maximum maximum, the CDHP pays 100% of anyShared additional eligible expenses (medical andCost prescription drug) for the year.Our CostCompany 2nd Floor Coinsurance Once you meet the deductible, you share in thePaid cost of services by paying coinsurance. Choice HSA Plan: You pay 20% Consumer HSA Plan: You pay 30% 1st Floor Deductible You pay the lower cost for in-network services, including hospitalizations and most prescription drugs, up to the deductible. Choice HSA Plan: $1,500/$3,000 (employee/family) Consumer HSA Plan: $2,000/$4,000 (employee/family) Foundation Preventive You pay $0 for in-network services such as Care annual physicals, screenings and immunizations, and preventive prescription medication received (100%) through the mail-order pharmacy. 5

How the CDHPs with HSAs Compare to a PPO How a CDHP is the same: How a CDHP is different:• It covers the same health care services. • It offers an HSA — tax-advantaged money that can• It covers preventive care, including annual physicals be used to pay for eligible out-of-pocket health care expenses today and in the future. HSAs include and important screenings and preventive mail-order employee and Company contributions. medications, at 100%.• It provides important protection against catastrophic • It has a higher deductible that needs to be reached expenses if we experience serious health problems. before the plan begins to pay for health care services.2014 HSA Contribution LimitsYou may contribute to your HSA using pre-tax dollars through payroll deductions. You can also make additional after-taxcontributions (up to the annual IRS limits) to your account. The IRS puts a cap on the total amount of money that can becontributed to an HSA each year. This includes your contributions, as well as any Curtiss-Wright contributions to theChoice HSA.HSA Coverage Level 2014 HSA Curtiss-Wright’s Contribution You Can Contribution Contribute up to …** Limit Choice HSA Consumer HSAEmployee Only $3,300 $500 $300 $2,800Employee + Child(ren) $6,550 $1,000 $600 $5,550Employee + SpouseEmployee + Family* In most cases, Curtiss-Wright’s contribution will be credited to your HSA on January 1, 2014. If you have a balance in your Health Care FSA at the end of the year, Curtiss-Wright’s contribution will be credited to your HSA on or after April 1, 2014** If you will be age 55 or older anytime during 2014, you may contribute an additional $1,000.I hear the CDHP with HSA Yes. It covers the same healthis a lot like a PPO Plan. care services, including preventive care at 100%, uses the same provider network and protects us from expenses related to serious health problems. 6

Medical Plan Comparison Chart Coverage Choice HSA Consumer HSACurtiss-Wright HSA Funding In-Network Out-of-Network In-Network Out-of-Network• Individual• F amily $500 $300Deductible $1,000 $600• Individual• Family $1,500 $3,000 $2,000 Yes $4,000True Family $3,000 $6,000 $4,000 $8,000DeductibleOut-of-Pocket YesMaximum(includes deductible) $3,000 $8,000 $3,500 $9,000• Individual $6,000 $24,000 $7,000 $27,000• Family UnlimitedLifetime MaximumPreventive Care No cost to you 40% No cost to you 50% 20% 40% 30% 50%Office Visit 20% 40% 30% 50%• PCP• Specialty CareInpatient Hospital ServicesOutpatient Hospital Services 20% 40% 30% 50%Emergency Room Services 20% 20% 30% 30%Prescription • 10% ($10 max) • 10% ($10 max)Medication • Deductible, then 10% ($10 max) • Deductible, then 10% ($10 max)Retail (30-day supply): • Deductible, then 30% ($10 min/$40 max) • Deductible, then 30% ($10 min/$40 max)• Tier 1: Preventive • Deductible, then 40% ($10 min/$50 max) • Deductible, then 40% ($10 min/$50 max)• Tier 2: Generic• Tier 3: Brand Formulary • No cost to you • No cost to you• Tier 4: Brand Non-Formulary • Deductible, then no cost to you • Deductible, then no cost to you • Deductible, then 25% ($80 max) • Deductible, then 25% ($80 max)Mail Order • Deductible, then 35% ($100 max) • Deductible, then 35% ($100 max)(90-day supply):• Tier 1: Preventive• Tier 2: Generic• Tier 3: Brand Formulary• Tier 4: Brand Non-Formulary 7

Prescription Drug CoverageWhen you enroll in any of the medical plans, you automatically receive prescription drug coverage through Express Scripts.The plan includes four coverage tiers:• T ier 1: Brand-Name, Selected Preventive Maintenance — Brand-name drugs classified to treat diabetes, hypertension, high cholesterol, asthma/COPD, or smoking cessation. Many preventive mail-order prescription medications are covered 100% without having to meet the deductible, and select preventive drugs are covered at little or no cost when purchased at a retail pharmacy. For a list of eligible preventive medications, visit www.express-scripts.com/curtisswright.• Tier 2: Generic — Drugs comparable to brand-name drugs in dosage, form, strength, route of administration, quality and performance characteristics, and intended use.• T ier 3: Brand-Name Preferred — Brand-name drugs found on Express Scripts’ preferred drug list.• T ier 4: Brand-Name Non-Preferred — Brand-name drugs not on the preferred drug list. This is typically a drug with a generic equivalent or a less expensive preferred medication.If you take long-term medications (up to 90 days) to treat chronic conditions, you may choose to have your prescriptionfilled at a retail pharmacy or through the mail-order pharmacy. However, what you pay at a retail pharmacy depends onthe number of days filled.Number of Days Your Prescription You Pay Is Filled at a Retail Pharmacy 1 – 34 days The current 1-month cost share 2x the current 1-month cost share 25 – 60 days 3x the current 1-month cost share 61 – 90 daysDentalCurtiss-Wright provides dental coverage through Delta Dental. The plan provides the flexibility to see in- or out-of-networkdentists; however, you will receive the highest level of coverage when you receive care from dentists who participate inDelta’s network of more than 156,000 providers nationwide. To find in-network dentists in your area, visitwww.DeltaDentalNJ.com or call 1-800-452-9310.Deductible (waived for preventive care) $50 per person $150 per familyCalendar-Year Maximum $1,500 per personPreventive 100%Exams, cleanings, and bitewing X-rays (each twice per year); fluoride treatment (once per year for childrenup to age 18) 80%Basic 60%Fillings and extractions; endodontics (root canal); periodontics and oral surgery; sealants 50%Crowns & Prosthodontics $1,500 per personCrowns, bridgework; full and partial dentures; implants $50 per personOrthodonticsFull comprehensive (child only)Lifetime maximumLifetime deductible 8

VisionCurtiss-Wright provides two levels of vision coverage through VSP, the nation’s largest provider of eye care coverage,offering access to a network of more than 22,000 doctors in rural and metropolitan areas across the country. With VSP, youmay choose any eye care professional you wish, but you will receive a higher level of coverage when you obtain care from anin-network VSP provider. To locate a VSP provider in your area, go online at www.vsp.com or call 1-800-877-7195. VSP In-Network Coverage Limits VSP Standard VSP Enhanced at a VSP Preferred Provider* at a VSP Preferred Provider*Service Copay Coverage Limit Frequency Copay Coverage Limit FrequencyEye Exam $10 Once per year $10 Once per year None NoneContact Lenses $0 Contacts or $0 Contacts or $130 lenses (not both) $200 lenses (not both)Lenses and $25 for lenses (includes lenses $25 for lenses (includes lensesProgressive and/or frames once per year and/or frames once per yearLenses (once per year) and fitting) (once per year) and fitting) Progressive Once every ProgressiveFrames None 2 years lenses covered None lenses not (lens extras not after additional (lens extras not covered included but are included but are $50 copay (but discounted) discounted) discounted) $130 $200 Once every (plus 80% of any (plus 80% of any 2 years excess charge) excess charge)*Coverage at affiliate providers:VSP offers in-network coverage at affiliate providers, including Costco Optical and Eye Care Centers of America (e.g., EyeMasters, Dr. Bizer’s VisionWorld,Eye DRx, Hour Eyes, and Stein Optical). In-network coverage at these providers is similar to the coverage limits listed above except:• A t all affiliate providers, the contact lens allowance can be used for contacts, but contact lens exams are not covered. In addition, the $50 copay for progressive lenses does not apply – progressive lenses are covered at the provider’s usual and customary prices.• At Costco Optical only, the frame allowance is $70 under the Standard option and $110 under the Enhanced option. For Eye Care Centers of America locations the frame allowance is the same as at preferred providers.Flexible Spending Accounts (FSAs)FSAs provide a tax-advantaged way to pay for out-of-pocket health care expenses and work-related dependent day careexpenses with pre-tax dollars, thereby lowering your taxable income.How the HSA and Health Care FSA CompareIf you enroll in a CDHP with HSA, you will not be able to participate in a Health Care FSA. Instead, you can use the HSA topay for health care expenses using tax-free money. Here are the key differences between the two accounts:Account Feature HSA Health Care FSAEligibility Employees enrolled in a CDHP Employees not enrolled in a CDHPMaximum AnnualContribution • $3,300 for Employee Only coverage Up to $2,500 • $6,550 for all other coverage levelsEligible Expenses (includes employee and employer HSATax-Free Earnings contributions if enrolling in the Choice HSA)Carryover of Unused Funds to the Qualified health care expenses, including medical, prescription drug, dental, and visionNext Year Yes NoPortability If You LeaveCurtiss-Wright You have until March 15, 2014, to incurAccess to Contributions Yes expenses and use any remaining money in your FSA Yes No Current account balance only Entire amount elected for the year 9

Remember, any 2013 Important Notice for Employees Currently Enrolled in aFSA elections will not Health Care FSAautomatically carry overinto the 2014 plan year. Per IRS regulations, if there is a balance in your Health Care FSA as ofThis means that you December 31, 2013, and you enroll in a CDHP with HSA for 2014, you mustmust re-enroll during wait until April 1, 2014, to start contributing to an HSA. If you enroll in theOpen Enrollment. in a CDHP with HSA HSA, Curtiss-Wright’s contributions will be deposited into your HSA on or after April 1, 2014. Also, you will not be able to use your HSA funds to pay for eligible health care expenses incurred before April 1, 2014.Dependent Day Care FSAThe Dependent Day Care FSA allows you to pay for dependent care expenses for child(ren) under age 13 or an elderlydependent so that you (and your spouse, if you are married) can work, look for work, or go to school full-time. You maycontribute up to $5,000 each year to a Dependent Day Care FSA. If you are married and you and your spouse file separate,tax returns, the IRS further restricts the maximum amount you can contribute for dependent care expenses.Disability Coverage and Income ProtectionCurtiss-Wright provides a variety of life and disability coverage to protect you and your family. Basic Life, Accidental Deathand Dismemberment, and Business Travel Accident coverage provide important financial protection in the event of death ordisability due to serious illness or injury. Disability coverage protects your income if you are unable to work due to illness orinjury. Refer to your Benefits Enrollment Worksheet for more information about this coverage.Voluntary BenefitsVoluntary benefits provide additional personal and financial protection for you and your loved ones through convenient payrolldeductions.Group Legal PlanMetLaw® group legal services, administered by Hyatt Legal Plans, provides access to a network of experienced, localattorneys who offer a wide range of legal services, including:• Purchase, sale or refinancing of a primary residence• Wills and estate planning• Document preparation• Debt matters• Civil litigationFor more information about your group legal options, visit www.LegalPlans.com, click on “Thinking About Enrolling?” andlog in with the password “METLAW.” 10

Financial Planning ProgramCurtiss-Wright’s Financial Planning Program, administered by PricewaterhouseCoopers (PwC), provides confidentialaccess all year long to speak one-on-one with a PwC financial counselor who can help you tackle your personalfinancial concerns. You will receive a personalized financial wellness report and work with your PwC financial counselorto review and prioritize your action plan. You will also receive access to the PwC eAdvisor website, where you can findhelpful calculators, webcasts, newsletters, etc.For more information about the Curtiss-Wright Financial Planning Program, call PwC at 1-800-422-5579.Auto and Home InsuranceMetLife Auto and Home gives you the opportunity to purchase a wide variety of personal property insurances atspecial group rates, including auto, home, motorcycle, renters, condo, umbrella (personal liability), boat, trailer,personal watercraft, etc.For more detailed information or to get a price quote, call MetLife at 1-800-GET-MET8 (1-800-438-6388).Other Valuable BenefitsCurtiss-Wright is pleased to pay the full cost of the following benefits for you and your family.Employee Assistance Plan (EAP)The EAP, managed by MHN, offers consultation and counseling services to help you and your family members copewith everyday problems. You are eligible for this plan regardless of which medical option you elect, or even if you waiveCompany coverage.You can reach MHN 24 hours a day, seven days a week for professional, confidential counseling services by callingtoll-free 1-800-511-3920.International SOS BenefitCurtiss-Wright’s International SOS Benefit provides assistance while you are traveling abroad. Before you travel orduring your trip, you may contact SOS for medical and security alerts and warnings, including medical and securityevacuations, country reports, medical and security risk ratings, and travel tips.For more information about SOS, log on to www.InternationalSOS.com and enter Curtiss-Wright’s member number:11BCPS000182.Survivor Support Financial CounselingSurvivor Support Financial Counseling provides an important service for surviving family members of a deceased activeemployee. This service is available for employees who have been diagnosed with a terminal illness or whose spouseshave passed away, the surviving spouse of a deceased employee, and the guardian of minor children or minordependents of a deceased employee.If you believe you are in a situation warranting this service, contact your local Human Resources representative todiscuss service options and authorize services, if applicable. 11

How to EnrollYou may enroll online, or if you do not have access to a computer, by telephone with the help of aCurtiss-Wright Benefits Call Center Customer Service representative.Online By TelephoneThe most efficient way to enroll is online through the If you do not have access to a computer, you may enrollCurtiss-Wright Benefits Center website. On the enrollment with the help of a Customer Service Representative bywebsite, you will see all of the options and coverage levels calling the Curtiss-Wright Benefits Call Center atfor which you are eligible. In addition, coverage levels are 1-888-292-5584. Customer Service Representativespersonalized to your salary, where applicable. are available during the enrollment period Monday through Friday, from 9 a.m. to 8 p.m. (ET). Outside of Open• Go to the Curtiss-Wright Benefits Center website at Enrollment, the call center is open Monday through www.MyCWBenefits.com, and enter your employee Friday, from 9 a.m. to 6 p.m. (ET). identification number and personal identification number (PIN) from your worksheet. After You Enroll• Before you enroll, we encourage you to use the Medical Keep a copy of your confirmation statement. This will be Plan Cost Estimator tool to help you decide which your proof that you successfully enrolled. medical and FSA options best suit your family’s needs. • If you enroll via computer, you will have the choice to print• To enroll, click on “Enroll” and follow the instructions. the statement from your computer or have it emailed to you.• After making your elections, review your elections and • If you enroll via telephone, the statement will be mailed to the related costs. your home.• Be sure to save your elections by clicking “Confirm.” If You Do Not Enroll Then, you will see the “Benefits Changes Saved!” screen. You should print a confirmation statement after making If you do not enroll during Open Enrollment, you will receive your selections. The statement shows your selections, default benefits. That means you will not have coverage monthly cost, and dependents. for medical, prescription drugs, dental and vision nor will you have a flexible spending account; however, you may receive some Company-paid benefits.The Medical Plan Cost Estimator ToolWhen thinking about the plan that is right for you, it’s important toconsider total costs and your personal situation. Use the Medical PlanCost Estimator tool — available online at www.myCWBenefits.com —to help you compare total costs for all your medical plan choices.The tool factors in what you pay through payroll deductions and howyou use health services and prescriptions. 12

Important Legal NoticesImportant Notice about Your Prescription Drug Coverage and MedicareNotice of Creditable CoveragePlease read this notice carefully and keep it where you can find it. This notice has information about the prescriptiondrug coverage with Curtiss-Wright and your options under Medicare’s prescription drug coverage. This informationcan help you decide whether or not you want to join a Medicare drug plan.If you are considering joining, you should compare your current coverage, including which drugs are covered at whatcost, with the coverage and costs of the plans offering Medicare prescription drug coverage in your area. Informationabout where you can get help to make decisions about your prescription drug coverage is at the end of this notice.1. M edicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join a Medicare prescription drug plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage. All Medicare prescription drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage for a higher monthly premium.2. C urtiss-Wright has determined that the prescription drug coverage offered by Curtiss-Wright are, on average for all plan participants, expected to pay out as much as the standard Medicare prescription drug coverage pays and is therefore considered Creditable Coverage. Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan.When Can You Join a Medicare Prescription Drug Plan?You can join a Medicare drug plan when you first become eligible for Medicare, and each year from October 15ththrough December 7th. However, if you lose your current creditable prescription drug coverage, through no fault of yourown, you will also be eligible for a two-month Special Enrollment Period (SEP) to join a Medicare prescription drug plan.What Happens to Your Current Coverage If You Decide to Join a Medicare Prescription Drug Plan?If you do decide to join a Medicare prescription drug plan and waive the Curtiss-Wright prescription drug coverage, beaware that you and your dependents may not be able to get this coverage back.If you waive your coverage with Curtiss-Wright and enroll in a Medicare prescription drug plan, your future enrollmentin a Curtiss-Wright medical plan may be limited. Because your Curtiss-Wright prescription drug coverage is tied toyour elected Curtiss-Wright medical plan coverage, you would only be able to waive the Curtiss-Wright prescriptiondrug coverage by waiving medical coverage entirely. You will only be able to re-enroll in a Curtiss-Wright plan duringthe Open Enrollment period, or if you experience a special enrollment event under HIPAA. You should compare theCurtiss-Wright coverage, including which drugs are covered, with the coverage and cost of the plans offering Medicareprescription drug coverage in your area. Details about the prescription drug coverage under the Curtiss-Wright plansoffered to you can be found in the Prescription Drug section of this Enrollment Guide. 13

When Will You Pay a Higher Premium (Penalty) to Join a Medicare Prescription Drug Plan?You should also know that if you drop or lose coverage with the Curtiss-Wright prescription drug plan and do not joina Medicare prescription drug plan within 63 continuous days after your current coverage ends, you may pay a higherpremium (a penalty) to join a Medicare prescription drug plan later.If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly premium may goup by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have thatcoverage. For example, if you go 19 months without coverage, your premium may consistently be at least 19% higherthan the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you haveMedicare prescription drug coverage. In addition, you may have to wait until the following November to join.For More Information About This Notice or Your Current Prescription Drug Coverage…For further information contact the Curtiss-Wright Benefits Call Center at 1-888-292-5584. Note: You may receive thisnotice at other times in the future – such as before the next period you can enroll in Medicare prescription drugcoverage, if this coverage through Curtiss-Wright changes, or upon your request.For More Information About Your Options Under Medicare Prescription Drug Coverage…More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You”handbook. You’ll get a copy of the handbook in the mail every year from Medicare. You may also be contacted directlyby Medicare prescription drug plans.For More Information About Medicare Prescription Drug Coverage:• Visit www.medicare.gov,• Call your State Health Insurance Assistance Program (see your copy of the “Medicare & You” handbook for their telephone number) for personalized help, or• Call 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048.If you have limited income and resources, extra help paying for a Medicare prescription drug plan is available.For information about this extra help, visit Social Security on the web at www.socialsecurity.gov, or call them at1-800-772-1213 (TTY 1-800-325-0778).Remember: Keep this Notice. If you decide to join one of the Medicare prescription drug plans, you may be requiredto provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and,therefore, whether or not you are required to pay a higher premium (a penalty). 14

WHCRA Annual NoticeThe Curtiss-Wright medical plans, as required by the Women’s Health and Cancer Rights Act of 1998, provide benefitsfor mastectomy-related services including all stages of reconstruction and surgery to achieve symmetry between thebreasts, prostheses, and complications resulting from mastectomy, including lymphedemas. Further details areoutlined in your Summary Plan Description, or you may call the Curtiss-Wright Benefits Call Center at 1-888-292-5584.Confidentiality of Your Health Information Related to Health Care Planand Health Care FSAConsistent with the privacy rule (the “Privacy Rule”) under the federal Health Insurance Portability and AccountabilityAct (“HIPAA”), only certain people at Curtiss-Wright can, without written authorization from a plan participant orbeneficiary, use or disclose individually identifiable health information deemed “protected health information” (“PHI”),which is maintained by or for the Program. Also, such PHI is to be used for Program administrative purposes,principally those described as “payment” and “health care operations” under the Privacy Rule. The job functions ofCurtiss-Wright employees who can use or disclose PHI for these purposes are:• Benefits Administration• Human Resources• Legal CounselIf you know that employees of Curtiss-Wright have used and disclosed PHI inappropriately or have inappropriatelyobtained PHI, you may contact the Curtiss-Wright Benefits Call Center at 1-888-292-5584.Curtiss-Wright is committed to maintaining the privacy of your PHI and will only use and disclose PHI as isnecessary for Program administrative purposes and in compliance with the Privacy Rule or as required by law.Further, the Program shall comply with the security rule set forth under HIPAA by utilizing administrative, physicaland technical safeguards to protect the Program’s electronic PHI. Curtiss-Wright employees will not use yourPHI in making employment-related decisions about you or in connection with any benefits that are not related tohealth benefits.You may obtain a copy of the privacy notice on the www.MyCWBenefits.com Website, or by contacting theCurtiss-Wright Benefits Call Center at 1-888-292-5584. 15

HIPAA Special Enrollment NoticeAs you know, if you have declined enrollment in Curtiss-Wright’s health plan for you or your dependents (including yourspouse) because of other health insurance coverage, you or your dependents may be able to enroll in some coverages underthis plan without waiting for the next Open Enrollment period, provided that you request enrollment within 30 days after yourother coverage ends. In addition, if you have a new dependent as a result of marriage, birth, adoption or placement foradoption, you may be able to enroll yourself and your eligible dependents, provided that you request enrollment within30 days after the marriage, birth, adoption or placement for adoption. Curtiss-Wright will also allow a special enrollmentopportunity if you or your eligible dependents either:• Lose Medicaid or Children’s Health Insurance Program (CHIP) coverage because you are no longer eligible, or• Become eligible for a state’s premium assistance program under Medicaid or CHIP.For these enrollment opportunities, you will have 60 days – instead of 30 – from the date of the Medicaid/CHIP eligibilitychange to request enrollment in the Curtiss-Wright group health plan. Note that this new 60-day extension doesn’t applyto enrollment opportunities other than due to the Medicaid/CHIP eligibility change.Special Rights for Mothers and Newborn ChildrenGroup health plans and health insurance issuers generally may not, under federal law, restrict benefits for any hospital lengthof stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or lessthan 96 hours following a cesarean section. However, federal law generally does not prohibit the mother’s or newborn’sattending provider, after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours(or 96 hours as applicable). In any case, plans and issuers may not, under federal law, require that a provider obtainauthorization from the plan or the issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)If you or your children are eligible for Medicaid or CHIP and you are eligible for health coverage from your employer, yourState may have a premium assistance program that can help pay for coverage. These States use funds from theirMedicaid or CHIP programs to help people who are eligible for these programs, but also have access to health insurancethrough their employer. If you or your children are not eligible for Medicaid or CHIP, you will not be eligible for thesepremium assistance programs.If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, you can contactyour State Medicaid or CHIP office to find out if premium assistance is available.If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependentsmight be eligible for either of these programs, you can contact your State Medicaid or CHIP office or dial 1-877-KIDS NOWor www.insurekidsnow.gov to find out how to apply. If you qualify, you can ask the State if it has a program thatmight help you pay the premiums for an employer-sponsored plan. 16

Once it is determined that you or your dependents are eligible for premium assistance under Medicaid or CHIP, as wellas eligible under your employer plan, your employer must permit you to enroll in your employer plan if you are not alreadyenrolled. This is called a “special enrollment” opportunity, and you must request coverage within 60 days of beingdetermined eligible for premium assistance. If you have questions about enrolling in your employer plan, you can contactthe Department of Labor electronically at www.askebsa.dol.gov or by calling toll-free 1-866-444-EBSA (3272).U.S. Department of Labor U.S. Department of Health and Human ServicesEmployee Benefits Security Administration Centers for Medicare & Medicaid Serviceswww.dol.gov/ebsa www.cms.hhs.gov1-866-444-EBSA (3272) 1-877-267-2323, Ext. 61565OMB Control Number 1210-0137 (expires 09/30/2013) 17

Curtiss-Wright Corporation 10 Waterview Blvd., 2nd Fl. Parsippany, NJ 07054October 2013Exlar