In the event that the content of this presentation or any representations made by any person regarding the plans conflict with or are inconsistent with the provisions of the plan documents, the provisions of the plan

documents are controlling. To the fullest extent permitted by law, Caterpillar Inc. reserves the right to amend, modify, suspend, replace or terminate any of its plans, policies or programs, in whole or in part, at

any time and for any reason, by appropriate company action.

Please note that Caterpillar policy does not allow for All Employee Meetings or other meetings

to be recorded with smart phones or other devices unless specific approvals have been sought

and granted prior to the beginning of the meeting.

CATERPILLAR: NON-CONFIDENTIAL2015 Total Rewards Update/Health & Welfare Benefits EnrollmentActive Employees

Agenda

2015 Healthcare annual enrollment (November 17-28) Healthcare coverage overview 2015 Healthcare premiums Flexible Spending Accounts Tools & resources for enrollment Review Other Total Rewards Benefits

CATERPILLAR: NON-CONFIDENTIAL2015 Healthcare Annual Enrollment

2015 Healthcare Annual Enrollment

Caterpillar Benefits Center at Aon Hewitt will conduct the 2015 healthcare annual enrollment November 17 – 28

Employees will receive a postcard mailed to their home as a reminder of the enrollment window

Two ways to enroll:– Online

• Single sign on link available through Cat @work > Compensation & Benefits tab > Annual Enrollment Center

• Link directly to Your Benefits Resources™

– By phone Caterpillar Benefits Center 1-877-228-4010

CATERPILLAR: NON-CONFIDENTIAL2015 Healthcare Coverage Overview

Healthcare Options - UnitedHealthcare No Changes

Prescription Drug Coverage - OptumRx

** The prescription drug benefit for Options B and C requires a separate annual deductible, $50 per person for retail prescriptions only; there is no additional deductible required for mail-order drugs.

*** Mail order is mandatory for all maintenance drugs.

No Changes

Vision Coverage - UnitedHealthcare

Bundled with medical plan option

$150 lump-sum vision benefits The benefit is available on a rolling 24-month cycle Can be used for routine vision services and supplies Benefit maximum applies to age 18 and older Frames are excluded from coverage

Consider using a Flexible Spending Account (FSA) for additional out-of-pocket vision expenses

No Changes

2015 Dental Coverage - Cigna

$50/$100 annual deductible (except for preventive care) $1,500 annual max benefit per covered person 18 and over $1,500 orthodontia lifetime max (age 21 and under)

Preventive focused

– Preventive (no deductible) 100%

– Basic Dental 85%

– Major Restorative 75%

– Prosthodontic 50%

No Changes

Healthcare Premiums

Spousal/Partner surcharge will remain $145

* Premiums are shown as a monthly amount and reflect completion of the health risk assessment with ActiveHealth.

Spousal Surcharge

Applies If your spouse/partner has access to group insurance

coverage, declines and is enrolled in a Caterpillar optionDoes not apply Your spouse/partner isn’t employed Your spouse/partner is not enrolled in a Caterpillar

healthcare option Your spouse/partner is employed but doesn’t have

access to group insurance coverage Your spouse/partner enrolls in other group insurance

coverage and also enrolls in a Caterpillar option

CATERPILLAR: NON-CONFIDENTIALFlexible Spending Accounts

Flexible Spending Account (FSA)

A benefit that allows you to set aside money on a pre-tax basis for eligible healthcare or dependent daycare expenses

Contributions are set aside via payroll deduction

Reduces your taxes while paying for services you would have to pay for anyway

To take advantage of the pre-tax savings you are required to enroll each year

Two types:

• Healthcare spending account

• Dependent care spending account

Eligible expenses must be filed by March 31 of the next plan year

Flexible Spending Accounts – Two Types

Healthcare spending account Used for medical, dental, prescription drugs, vision and hearing expenses not covered by health plans for you, your spouse/partner and your dependentsExamples: Deductibles, co-insurance, prescription drug co-pays, vision expenses and other out-of-pocket costs

Dependent care spending account

A separate account for dependent daycare expenses while both

parents are working, looking for work or are in school full-time

Examples: Common dependent care expenses (Licensed nursery schools, Adult daycare facilities, after-school programs)

You cannot use this account for dependent healthcare costs

Flexible Spending Account (FSA)

Healthcare spending account Annual Contribution Limits — $75 - $2,500 per employee

Dependent care spending account Annual Contribution Limits — $75 - $5,000 annually per household

Administered by UnitedHealthcare

Automatic claim reimbursement, unless you opt out– Enrolled in UnitedHealthcare option

– OptumRx prescription drug

– Cigna dental

Healthcare Flexible Spending Account Carryover

The Internal Revenue Service (IRS) has modified the “use-or-lose” rule for healthcare Flexible Spending Accounts (FSA)

The plan now allows up to $500 of unused healthcare FSA funds remaining at the end of a plan year to be carried over into the next plan year

Employees may contribute the maximum allowable $2,500 to a healthcare FSA for the 2015 plan year and also carryover up to $500 from their 2014 healthcare FSA

The healthcare FSA carryover will apply to future plan years as well. For example, up to $500 of unused healthcare FSA funds for the 2015 plan year may be carried over to the 2016 plan year.

You must enroll in the healthcare FSA for 2015 to use any carryover money from 2014

Take Action and Review Your Choices Review materials and resources

‒ Postcard mailed to your home‒ Annual Enrollment Center on Cat @work and Your Benefits Resources

Web site

Make sure you have the following information when you go to enroll:  ‒ Your user ID and password‒ Names, birth dates and Social Security Numbers of the eligible

dependents whom you wish to enroll

Social Security Numbers required for dependents age six months or older

Select the healthcare benefit option best for you – make changes if necessary

Add eligible dependent(s) to your account and then enroll them in coverage

If enrolling a spouse/partner make your spousal surcharge election

Choose to participate in a Flexible Spending Account

What To Expect If Don’t Take Action

You will remain in the same healthcare plan option as 2014

You will not be enrolled in a Flexible Spending Account

Dependents age six months or older will be removed from coverage if Social Security Number is not provided

Next opportunity to make changes will be the next annual enrollment, unless you experience a qualified change in status

If you experience a qualified status change such as marriage or the birth/adoption of a child, you must contact the Caterpillar Benefits Center within 31 days of the qualified status change to make the necessary updates to your benefits

If changes are not made within 31 days, the next opportunity will be the next annual enrollment period

Certain qualified status changes may also allow you to make changes to your current enrollment status, including your Flexible Spending Account enrollment elections, but changes must be made within 31 days

Qualified Change in Status

CATERPILLAR: NON-CONFIDENTIALTools & Resources For Enrollment

Caterpillar Benefits Center – Aon Hewitt

Phone Number: 1-877-228-4010

Mon-Fri 8:00 a.m. - 6:00 p.m. (Central time)

Cat @work > Compensation & Benefits > Caterpillar Benefits Center at Aon Hewitt

OR

CatHealthBenefits.com > Aon Hewitt (Pension & Retirement, Eligibility & Enrollment)

Health & Welfare Benefits eligibility Qualified status changes Dependent coverage

(add/drop) FSA enrollment Pension Investments Retirement Retiree address changes Summary Plan Description

How to Compare Healthcare Options(Available November 17)

Review the plan comparison chart on Your Benefits Resources™ > Health and Insurance tab > Enroll in your benefits

Click on Compare Plan details

How to Compare Healthcare Options

How to Compare Healthcare Options

CATERPILLAR: NON-CONFIDENTIAL

Other Benefits

ActiveHealth - Health Risk AssessmentThe myactivehealth.com/caterpillar website provides participants with personalized health information to help identify potential health risks and offers resources to improve health, such as:

Learn more about Caterpillar’s Health and Wellness Programs at CatHealthBenefits.com, myActiveHealth.com/caterpillar or by calling 1-888-227-6539

Health Risk Assessments with immediate, targeted feedback • You and spouse/partner complete annually in the first and third quarter

Informed Care Management to assist individuals with chronic health conditions

Active Lifestyle Coaching to help you reach your health goals Tobacco cessation Fitness, nutrition and weight management resources Drug interaction and symptom checkers Resource Center with tools, trackers, videos and health in the news

Employee Assistance Program (EAP)

Administered by Chestnut Global Partners (CGP) Full-time employees and eligible dependents enrolled in

healthcare coverage are also eligible for EAP at no cost Offers confidential assessment, counseling, and referrals

to assist in resolving personal and work-related problems Services are available through a network of EAP

professionals near employees’ home and work.   Services are voluntary, confidential and free to employees

and dependents 24 hour assistance, call toll free: 1-866-CAT-0565

Employee Assistance Program (EAP)

EAP provides help in the following areas:

– Depression and anxiety– Marital or relationship difficulties– Help finding child and elder care– Child and adolescent issues– Work-related / performance issues– Grief and loss– Stress management– Financial issues– Legal problems– Drug, alcohol and other addictions

Other Benefits

Adoption Assistance Benefit A maximum adoption benefit of $5,000 per eligible child for

qualified adoption expenses Must submit claim within 90 days after the date adoption is finalized Qualified adoption expenses based on IRS definition

Your Choice Voluntary Benefits and Discounts through Marsh Employee discounts Auto, Home, Identity Theft, Long Term care, Pet insurance and

Group Legal Service Plan www.YourChoiceVoluntaryBenefitsandDiscounts.com

Health Promotion Exams

To help you manage your health, Caterpillar facilities offer a confidential health promotion exam benefit, based on your

age 25, 28, 31, 34, 37, 40, 43, 46, 49 and each year after 49 until retirement

The exam provides evidence-based preventive services andtesting either in local Health Service Units or at designated local medical providers

Participation in the program is voluntary. If you have any questions, contact local HR or Caterpillar Medical at 877-838-0596

Basic Life Company paid$50,000Tobacco users pay a portion of the premium

AD&D Company paid$50,000

Optional life $50,000 or $100,000 Non-tobacco and tobacco rates applyNew elections will require Evidence of Insurability (EOI)

Spousal life $15,000(up to age 70)

Dependent life $5,000

Life Insurance No Change

Life Insurance

Review your life insurance rates, coverage and beneficiary by visiting www.metlife.com/mybenefits or by calling 1-888-228-1811

If you have optional term life insurance, you also have access to free Will and Estate Resolution Services

CATERPILLAR: NON-CONFIDENTIAL

401(k)

Deferral Limits – Employee Contributions

Roth and pre-tax 401(k) accounts

Defer up to 70% of eligible compensation

Defer on a pre-tax or Roth (after-tax) basis or both

Annual combined contribution limit of $18,000 for both– 2015 IRS annual contribution limits:

• $18,000 if under age 50 • $6,000 additional catch-up contribution if age 50 or over

What’s The Difference?

Pre-Tax 401(k) Contributions

You get a tax savings now because your taxable income is reduced by the amount of your contributions in the year you make them

Contributions and earnings will be taxed when you withdraw them in retirement, at the tax bracket you're in at that time

Roth 401(k) Contributions

Your contributions don't reduce taxable income now because they're made on an after-tax basis

Contributions and earnings can be withdrawn tax-free in retirement, provided that you're age 59-1/2 or older and your Roth 401(k) account is at least 5 years old

Company Match Contributions

Caterpillar provides dollar for dollar (100%) match of your employee contributions up to a maximum of 6% of pay

Matching contributions are contributed to the plan at the close of each payroll period

100% vested in matching contributions

– Example: Pre-tax base 4% and Roth base 4%, your contributions total 8%, company will match 6%.

New 401(k) Investment Options

401(k) becoming primary retirement vehicle, and plan participants want help

Recent industry reviews and benchmarking have led to changes to the fund options

New investment options offer opportunity to simplify investment decisions and provide quality investment options that meet participants’ needs

December 15, 2014

New 401(k) Investment Options

New custom line-up of investment funds

Current Model Portfolios and other core investment funds will be replaced with:

• Target Retirement Funds, and

• Menu of 11 core investment funds

Caterpillar Stock Fund

Self-Directed Brokerage Account

New 401(k) Investment Options

Do-It-For-Me:• Target Retirement Funds are a diversified,

professionally managed, automatic investment option intended for all of your retirement plan assets

• Each fund automatically changes to become more conservative as you approach your target retirement date

Do-It-Yourself:• Menu of 11 core investment funds• Select your own mix of funds

November 24 – December 5, 2014

Your Total Rewards “To Do” List for Fall

2015 Healthcare Benefits Enrollment

When? Nov. 17 - 28Where? resources.hewitt.com/cat

Learn more about the options available to you by reviewing materials and resources:

‒ Postcard mailed to your home‒ Cat @work and Your Benefits Resources

Review plan comparisons online during enrollment windowReview dependent coverage (add/remove)Review spousal/partner surchargeEnroll in healthcare benefit option best for you Enroll in Flexible Spending AccountsYour elections will be effective January 1, 2015

New 401(k) Investment Options Re-election

When? Nov. 24 – Dec. 5Where? resources.hewitt.com/cat

Review 401(k) Investment Changes and Re-election Instructions brochureGo online to learn more about the new investment options, including the Target Retirement Funds (website and video describe in more detail)Understand what will happen to your current balances and future contributions if you take no action and default to a Target Retirement Fund May choose new investment funds during the re-election windowDecember 15, 2014, current balance and future contributions invested in new investment choices You may change your investment elections any time after December 16, 2014

Thank you for participating!

Questions