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LETTER FROM COMPANY PRESIDENT<br />
Our employees are our most valuable asset. <strong>Coulson</strong> <strong>Oil</strong> Group is committed to<br />
offering a comprehensive employee benefits program that helps our employees stay healthy,<br />
feel secure, and maintain a positive work/life balance.<br />
<strong>Benefits</strong> offered through the workplace can help protect important items such as your<br />
income and assets if you become sick or injured. Other benefits can help cover expenses<br />
that might not be covered in your medical plan such as day care, travel expenses, rent,<br />
mortgage payments, and everyday cost-of-living expenses. These benefits are not only<br />
valuable, but also provide great protection for you and your family while reducing financial<br />
exposure in your medical plan.<br />
<strong>Coulson</strong> <strong>Oil</strong> Group works with BXS Insurance to ensure that the benefits we offer are<br />
best-in-class. The voluntary benefits program that is offered also provides value because<br />
these benefits work hand-in-hand with the medical plan in lowering financial exposure for<br />
you and your family while providing benefits over and above what is covered by a<br />
traditional medical plan.<br />
We understand that life can be busy. But we encourage you to take the time to read<br />
the material inside this booklet to familiarize yourself with the benefits available to you.<br />
Again, thank you for all you do for our company and we wish you only the very best.<br />
Sincerely,<br />
John Harris, President and CEO