Which of the following are "exclusions" from income? 1. Health Insurance Premiums and Benefits 2. Up to $50,000 of group term life insurance 3. Flexible Spending Plans 4. Employer stipend to offset local gym costs 1. 1, 2, 3 and 4 2. 1, 2 and 3 3. 3 and 4 4. 1 and 2.