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BRIDGESTONE AMERICAS, INC.Summary Plan DescriptionBARGAINING EMPLOYEESAkron, OhioRussellville, ArkansasBloomington, IllinoisDes Moines, IowaLaVergne, TennesseeWarren County, TennesseeNote: Does not apply to LaVergne Maintenance andBloomington Plumber and Pipefitter employeesContract effective August 2013Revised January 20141

Table of ContentsIntroduction . 1Eligibility and Participation . 3Enrollment . 9Termination and Extension of Benefits . 14How the Medical Plan Options Work . 21Medical Schedules of Benefits . 34Prescription Drug Benefits . 38Prescription Drug Schedule of Benefits . 41Prior Authorization . 42Medical Plan Exclusions and Limitations . 44Dental Benefit Plan . 48Dental Schedule of Benefits . 53Vision Benefits . 54Vision Schedule of Benefits . 56Flexible Spending Accounts (FSA) . 57Employee Assistance Program (EAP) . 70Non-Occupational Accident and Sickness Benefits (A&S) . 71Life Insurance, Accidental Death & Dismemberment (AD&D) and Survivor Income Benefits . 73Optional Life Insurance . 77Pension Plan . 79Severance Awards . 87Savings Plan . 89Coordination of Benefits . 100When You Retire. 106Claims and Appeals Procedures . 109HIPAA Notice of Privacy Practices for Personal Health Information (PHI) . 115Contact Information for the Plan . 119Official Plan Documents . 120Plan Administration . 121Loss of Benefits . 123Your Protection Under ERISA . 124Important Information . 127Plan Administration Summary . 1292

IntroductionThis Summary Plan Description (“SPD”) describes the benefit programs provided for in thePension and Insurance Agreement (the “P&I Agreement”), effective August 2013, entered intoby Bridgestone Americas Tire Operations, LLC (referred to in this SPD as “BATO”) and theUnited Steel, Paper and Forestry, Rubber, Manufacturing, Energy, Allied Industrial and ServiceWorkers International Union, AFL-CIO, CLC (the “Union”).The benefit programs are provided for eligible employees of BATO who are employed at itsmanufacturing plants at the following locations and represented by the following Locals of theUnion: Akron, Ohio, Local Union No. 7L; Des Moines, Iowa, Local Union No. 310L; Russellville,Arkansas, Local Union No. 884L; LaVergne, Tennessee, Local Union No. 1055L; WarrenCounty, Tennessee, Local Union No. 1155L; and Bloomington, Illinois, Local Union No. 787L.This SPD describes the main features of the benefit programs provided for in the P&IAgreement for eligible employees, eligible dependents and beneficiaries. While this SPDsummarizes the terms of the benefit programs as accurately as possible, it does not take theplace of the official Plan documents for each benefit program. If there is any discrepancy, theprovisions of the official Plan documents will govern the rights and benefits of employees,dependents and beneficiaries to the extent permitted by law. The terms “you” and “your” asused in this SPD refer to eligible employees of BATO covered under the benefit programs. Theterm “Bridgestone” or “Company” as used in this SPD refers to Bridgestone Americas, Inc., theparent company of BATO.Periodically, additional benefit plan materials will be made available to you (via mail and/or viaBridgestone’s intranet and/or internet sites, at least one of which you have access to), includingbenefit newsletters and annual enrollment materials. These documents serve as Summaries ofMaterial Modifications (SMMs) and will describe important information about your benefits.These materials will modify and/or supplement the information described in this SPD. Be sure tokeep SMMs with this SPD for your reference.The following benefit programs are described in this SPD. Not all benefit programs are availableto all employee groups and to be eligible for benefits under a particular program you must meetthe specific eligibility requirements of that program. Many of the benefit programs are notprovided after retirement. Medical Benefits Prescription Drug Benefits Dental Benefits Vision Care Benefits Employee Assistance Program Flexible Spending Accounts Non-Occupational Accident and Sickness Benefits Life Insurance and Survivor Income Benefits1

Accidental Death and Dismemberment Insurance Savings Plan Benefits Pension BenefitsPlease read this document carefully and familiarize yourself with the eligibility requirements.Please also review the benefits provided under these plans and the procedures for filing benefitclaims.2

Eligibility and ParticipationSome plans described in this SPD may have special eligibility requirements and eligibilitywaiting periods may differ based on the benefit offered and your hire date. Any special eligibilityrules will be outlined in the applicable section(s) of this SPD.EmployeesGenerally, you are eligible for coverage under the health and welfare plans if you are classifiedas a full-time hourly employee (not temporary, project-based or part-time work), actively at work,and have the specified amount of credited service for your classification and/or location. Acomplete list of the other employers participating in the plans may be obtained by participantsand beneficiaries upon written request to the Pension and Benefits Department.Employees are generally eligible for coverage after completing 31 days of credited service on afull-time basis with BATO. However, production employees hired after October 1, 2005 andmaintenance employees hired after July 27, 2013 (together referred to in this SPD as “NewHires”) are generally eligible for coverage after completing 90 days of credited service on a fulltime basis with BATO. If eligibility rules are different than indicated above, it will be noted in theapplicable section(s) of this SPD.If you are not actively at work on a full-time basis for BATO when benefits would otherwisebecome effective, the effective date of coverage will be the first day when you are actively atwork. However, this rule does not apply to the medical plan and will not exclude employees whoare on vacation, on leave of absence for union activities, working less than their standard shiftor temporarily disabled from coverage.You must enroll in accordance with required procedures established by the Plan Administratorand must submit any required documentation (which may include an enrollment/change form, acopy of a marriage certificate or birth certificate) through myHR, the Bridgestone intranet portal,within 31 days of your initial eligibility date. If you do not enroll within 31 days of your eligibilitydate, you will not have the opportunity to enroll again until the next annual open enrollmentperiod unless you experience a change in status (as described in this SPD).RetireesPost-retirement benefits are not available to all employees. Certain retiree groups are eligible forcoverage under some, but not all, of the benefit programs provided to active employees. Theeligibility criteria for post-retirement benefits are highlighted in the When You Retire section.DependentsDependents are only eligible for coverage under a benefit plan if you are a participant in theplan.You may elect to cover the following dependents under the plans: Your legal spouse, Your child under age 26,3

An unmarried (i.e., never married) child who is age 26 or older, who is your biological child,legally adopted child, or stepchild and who is physically or mentally incapable of selfsupport. The child must have been a covered dependent under the Plan before turning age19, and the incapacity must have occurred before reaching age 19, An organ donor, when the recipient is covered under this plan, will be covered as though heor she were a covered dependent child of the recipient, but only for eligible charges inconnection with the procedure to remove the organ from the donor, Dependent children who are hired as a New Hire may be covered as dependents until theybecome eligible for the New Hire medical plan or reach age 27, whichever comes first.A "Child" means your biological child, legally adopted child, stepchild, or an eligible dependentchild for whom you are obligated to provide health coverage under an order deemed to be aQualified Medical Child Support Order ("QMCSO").Foster children, grandchildren or other children not listed as covered dependents are not eligiblefor coverage. However, those foster children, grandchildren or other children of employees whowere covered dependents under the plan on or before December 20, 1996, will continue to becovered dependents until they no longer meet dependent eligibility requirements.If both you and your spouse are employed by the Company and are eligible for medicalcoverage, eligible dependent children can be covered as dependents of the employee that isenrolled for coverage. This assignment of dependents will not deprive eligible children ofcoverage because of death or termination of the subscribing parent; dependents may be reenrolled under the other parent.Fraud or an intentional misrepresentation of an individual as an eligible dependent may trigger arescission.Special Rules for Dependent CoverageIf you have a newborn child or legally adopt a child, you must notify the HR Shared Serviceswithin 31 days of the child's birth or legal adoption for coverage under the plan.A newborn child is covered from the moment of birth or date of legal adoption as long as youenroll the child for coverage during a special enrollment period of 31 days from the date of birthor legal adoption.Your premiums for your newly acquired child will become effective on the effective date ofcoverage. If you do not enroll the child within the 31 days, coverage will not be provided for thatchild. You may enroll that child during the next annual open enrollment period.A few reminders: Only eligible employees and dependents may be covered under the plans. It is a Federalcrime to receive benefits that you are not entitled to by falsely claiming to be an eligibleemployee or an eligible dependent under the plans, You cannot be covered as both an employee and an eligible dependent under the plans,4