PrestigePEO Benefits_ 9.11.23 : simplebooklet.com

DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L0720006170][xNM]DentalMetropolitan Life Insurance CompanyPlan Design for: Prestige PEO Holdings, LLCThe Preferred Dentist Program was designed to help you get the dental care you need and help lower your costs. You get benefits for a wide range of covered services — both in and out of the network. The goal is to deliver affordable protection for a healthier smile and a healthier you.Coverage Type: In-Network1% of PDP Fee2Out-of-Network1% of R&C Fee4Type A - Preventive 100% 100%Type B - Basic Restorative 80% 80%Type C - Major Restorative 50% 50%Type D - Orthodontia 50% 50%Deductible3Individual $50 $50Family $150 $150Annual Maximum Benefit:Per Individual $5000 $5000Orthodontia Lifetime Maximum -Ortho applies to Child OnlyChild to age 19$1000 per Person $1000 per Person1."In-Network Benefits" refers to benefits provided under this plan for covered dental services that are provided by aparticipating dentist. "Out-of-Network Benefits" refers to benefits provided under this plan for covered dental services thatare not provided by a participating dentist.2.Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services,subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.3.Applies to Type B and C services only.4.Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonableand Customary charge is based on the lowest of:· the dentist’s actual charge (the 'Actual Charge'),· the dentist’s usual charge for the same or similar services (the 'Usual Charge') or· the usual charge of most dentists in the same geographic area for the same or similar services as determined byMetLife (the 'Customary Charge'). For your plan, the Customary Charge is based on the 90th percentile. Servicesmust be necessary in terms of generally accepted dental standards.

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L0720006170][xNM]Selected Covered Services and Frequency Limitations*Type A - Preventive How Many/How Often:Oral Examinations 1 in 6 monthsFull Mouth X-rays 1 in 60 monthsY4Bitewing X-rays (Adult/Child) 1 in 6 monthsProphylaxis - Cleanings 1 in 6 monthsTopical Fluoride Applications 1 in 12 months - Children to age 19Sealants 1 in 60 months - Children to age 14Space Maintainers No limit - Children up to age 19Periodontal Maintenance 4 in 1 year, includes 2 cleaningsType B - Basic Restorative How Many/How Often:Amalgam and Composite Fillings 1 in 24 months. Anterior teeth onlyEndodontics Root Canal 1 per tooth in 24 monthsPeriodontal Surgery 1 in 36 months per quadrantPeriodontal Scaling & Root Planing 1 in 24 months per quadrantOral Surgery (Simple Extractions)Oral Surgery (Surgical Extractions)Other Oral SurgeryEmergency Palliative TreatmentGeneral AnesthesiaConsultations 1 in 12 monthsType C - Major RestorativeHow Many/How Often:Crowns/Inlays/Onlays 1 per tooth in 60 monthsPrefabricated Crowns 1 per tooth in 10 yearsRepairsBridges 1 in 10 yearsDentures 1 in 10 yearsImplant Services 1 service per tooth in 10 years - 1 repair per 12 monthsType D – Orthodontia· Dependent children up to age 19. Age limitations may vary by state. Please see your Plan description for complete details. In the event of a conflict with this summary,the terms of the certificate will govern.· All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia.· Benefits for the initial placement will not exceed 20% of the Lifetime Maximum Benefit Amount for Orthodontia. Periodic follow-up visits will be payable on a monthlybasis during the scheduled course of the orthodontic treatment. Allowable expenses for the initial placement, periodic follow-up visits and procedures performed inconnection with the orthodontic treatment, are all subject to the Orthodontia coinsurance level and Lifetime Maximum Benefit Amount as defined in the Plan Summary.· Orthodontic benefits end at cancellation of coverage*Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on theleast costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the planbenefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discusstreatment options with your dentist before services are rendered, and obtain a pretreatment estimate of benefits prior to receiving certain highcost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the servicesprovided, your plan’s reimbursement for those services, and your out-of-pocket expense. Actual payments may vary from the pretreatmentestimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment.The service categories and plan limitations shown above represent an overview of your Plan of Benefits. This document presents many serviceswithin each category, but is not a complete description of the Plan. Please see your Plan description/Insurance certificate for complete details. Inthe event of a conflict with this summary, the terms of your insurance certificate will govern.

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L0720006170[[xNM]We will not pay Dental Insurance benefits for charges incurred for:1. Services which are not Dentally Necessary, those which do not meet generally accepted standards of care for treating theparticular dental condition, or which We deem experimental in nature;2. Services for which You would not be required to pay in the absence of Dental Insurance;3. Services or supplies received by You or Your Dependent before the Dental Insurance starts for that person;4. Services which are primarily cosmetic (For residents of Texas, see notice page section in your certificate).5. Services which are neither performed nor prescribed by a Dentist except for those services of a licensed dental hygienistwhich are supervised and billed by a Dentist and which are for:· scaling and polishing of teeth; or· fluoride treatments.For NY Sitused Groups, this exclusion does not apply.6. Services or appliances which restore or alter occlusion or vertical dimension.7. Restoration of tooth structure damaged by attrition, abrasion or erosion.8. Restorations or appliances used for the purpose of periodontal splinting.9. Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco.10. Personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss.11. Decoration, personalization or inscription of any tooth, device, appliance, crown or other dental work.12. Missed appointments.13. Services· covered under any workers’ compensation or occupational disease law;· covered under any employer liability law;· for which the employer of the person receiving such services is not required to pay; or· received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital.For North Carolina and Virginia Sitused Groups, this exclusion does not apply.14. Services paid under any worker’s compensation, occupational disease or employer liability law as follows:· for persons who are covered in North Carolina for the treatment of an Occupational Injury or Sickness which are paidunder the North Carolina Workers’ Compensation Act only to the extent such services are the liability of the employee,employer or workers’ compensation insurance carrier according to a final adjudication under the North Carolina Workers’Compensation Act or an order of the North Carolina Industrial Commission approving a settlement agreement under theNorth Carolina Workers’ compensation Act;· or for persons who are not covered in North Carolina, services paid or payable under any workers compensation oroccupational disease law.This exclusion only applies for North Carolina Sitused Groups.15. Services:· for which the employer of the person receiving such services is required to pay; or· received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital.This exclusion only applies for North Carolina Sitused Groups.16. Services covered under any workers' compensation, occupational disease or employer liability law for which the employee/orDependent received benefits under that law.This exclusion only applies for Virginia Sitused Groups.17. Services:· for which the employer of the person receiving such services is not required to pay; or· received at a facility maintained by the policyholder, labor union, mutual benefit association, or VA hospital.This exclusion only applies for Virginia Sitused Groups.18. Services covered under other coverage provided by the Employer.19. Temporary or provisional restorations.20. Temporary or provisional appliances.21. Prescription drugs.22. Services for which the submitted documentation indicates a poor prognosis.23. The following when charged by the Dentist on a separate basis:· claim form completion;· infection control such as gloves, masks, and sterilization of supplies; or· local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide.24. Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due tochewing or biting of food.For NY Sitused Groups, this exclusion does not apply.25. Caries susceptibility tests.26. Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before suchperson was insured for Dental Insurance, except for congenitally missing natural teeth.27. Other fixed Denture prosthetic services not described elsewhere in this certificate.28. Precision attachments, except when the precision attachment is related to implant prosthetics.29. Initial installation or replacement of a full or removable Denture to replace one or more natural teeth which were missingbefore such person was insured for Dental Insurance, except for congenitally missing natural teeth.30. Addition of teeth to a partial removable Denture to replace one or more natural teeth which were missing before such personwas insured for Dental Insurance, except for congenitally missing natural teeth.31. Adjustment of a Denture made within 6 months after installation by the same Dentist who installed it.

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L0720006170][xNM]32. Implants to replace one or more natural teeth which were missing before such person was insured for Dental Insurance,except for congenitally missing natural teeth.33. Implants supported prosthetics to replace one or more natural teeth which were missing before such person was insured forDental Insurance, except for congenitally missing natural teeth.34. Fixed and removable appliances for correction of harmful habits.135. Appliances or treatment for bruxism (grinding teeth), including but not limited to occlusal guards and night guards.136. Diagnosis and treatment of temporomandibular joint (TMJ) disorders. This exclusion does not apply to residents of Minnesota.137. Repair or replacement of an orthodontic device.138. Duplicate prosthetic devices or appliances.39. Replacement of a lost or stolen appliance, Cast Restoration, or Denture.40. Intra and extraoral photographic images.41. Services or supplies furnished as a result of a referral prohibited by Section 1-302 of the Maryland Health Occupations Article.A prohibited referral is one in which a Health Care Practitioner refers You to a Health Care Entity in which the Health CarePractitioner or Health Care Practitioner’s immediate family or both own a Beneficial Interest or have a CompensationAgreement. For the purposes of this exclusion, the terms “Referral”, “Health Care Practitioner” , “Health Care Entity”,“Beneficial Interest” and Compensation Agreement have the same meaning as provided in Section 1-301 of the MarylandHealth Occupations Article.This exclusion only applies for Maryland Sitused Groups1Some of these exclusions may not apply. Please see your Certificate of Insurance.

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L0720006170][xNM]Common Questions … Important AnswersWho is a participating dentist?A participating, or network, dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment infull for covered services provided to plan members, subject to any deductibles, copayments, cost sharing and benefitmaximums. Negotiated fees typically range from 30-45% below the average fees charged in a dentist’s community for thesame or substantially similar services.*In addition to the standard MetLife network, your employer may provide you with access to a select network of dentalproviders that may be unique to your employer’s dental program. When visiting these providers, you may receive a betterbenefit, have lower out-of-pocket costs and/or have access to care at facilities at your worksite. Please sign into MyBenefits formore details.* Based on internal analysis by MetLife. Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments,deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. Savings from enrolling in a dental benefits plan will depend on various factors, including the cost ofthe plan, how often members visit a dentist and the cost of services rendered. Negotiated fees are subject to change.How do I find a participating dentist?There are thousands of general dentists and specialists to choose from --so you are sure to find one that meets your needs. Youcan receive a list of these participating dentists online at www.metlife.com/dental or call 1-800-275-4638 to have a list faxed ormailed to you.What services are covered by my plan?Please see your Certificate of Insurance for a list of covered services.*May I choose a non-participating dentist?Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating (out-of-network) dentist,your out-of-pocket costs may be greater than your out-of-pocket costs when visiting an in-network dentist.Can my dentist apply for participation in the network?Yes. If your current dentist does not participate in the network and you would like to encourage him or her to apply, ask yourdentist to visit www.metdental.com, or call 1-866-PDP-NTWK for an application.* The website and phone number are for useby dental professionals only.* Due to contractual requirements, MetLife is prevented from soliciting certain providers.How are claims processed?Dentists may submit your claims for you which means you have little or no paperwork. You can track your claims online and evenreceive email alerts when a claim has been processed. If you need a claim form, visit www.metlife.com/dental or request one bycalling 1-800-275-4638.Can I get an estimate of what my out-of-pocket expenses will be before receiving a service?Yes. You can ask for a pretreatment estimate. Your general dentist or specialist usually sends MetLife a plan for your care andrequests an estimate of benefits. The estimate helps you prepare for the cost of dental services. We recommend that you requesta pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online at www.metdental.comor call 1-877-MET-DDS9. You and your dentist will receive a benefit estimate for most procedures while you are still in the office.Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment.Can MetLife help me find a dentist outside of the U.S. if I am traveling?Yes. Through international dental travel assistance services* you can obtain a referral to a local dentist by calling +1-312-356-5970(collect) when outside the U.S. to receive immediate care until you can see your dentist. Coverage will be considered under yourout-of-network benefits.** Please remember to hold on to all receipts to submit a dental claim.*International Dental Travel Assistance services are administered by AXA Assistance USA, Inc. (AXA Assistance). AXA Assistance provides dental referral services only. AXA Assistance is notaffiliated with MetLife and any of its affiliates, and the services they provide are separate and apart from the benefits provided by MetLife. Referral services are not available in all locations.** Refer to your Certificate of Insurance for your out-of-network dental coverage.How does MetLife coordinate benefits with other insurance plans?Coordination of benefits provisions in dental benefits plans are a set of rules that are followed when a patient is covered bymore than one dental benefits plan. These rules determine the order in which the plans will pay benefits. If the MetLife dentalbenefit plan is primary, MetLife will pay the full amount of benefits that would normally be available under the plan. If theMetLife dental benefit plan is secondary, most coordination of benefits provisions require MetLife to determine benefits afterbenefits have been determined under the primary plan. The amount of benefits payable by MetLife may be reduced due to thebenefits paid under the primary plan.Do I need an ID card?

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L0720006170[[xNM]DentalMetropolitan Life Insurance CompanyPlan Design for: Prestige PEO Holdings, LLCThe Preferred Dentist Program was designed to help you get the dental care you need and help lower your costs. You get benefits for a wide range of covered services — both in and out of the network. The goal is to deliver affordable protection for a healthier smile and a healthier you.Coverage Type: In-Network1% of PDP Fee2Out-of-Network1% of R&C Fee4Type A - Preventive 100% 100%Type B - Basic Restorative 80% 80%Type C - Major Restorative 50% 50%Type D - Orthodontia 50% 50%Deductible3Individual $50 $50Family $150 $150Annual Maximum Benefit:Per Individual $2000 $2000Orthodontia Lifetime Maximum -Ortho applies to Child OnlyChild to age 19$1000 per Person $1000 per Person1."In-Network Benefits" refers to benefits provided under this plan for covered dental services that are provided by aparticipating dentist. "Out-of-Network Benefits" refers to benefits provided under this plan for covered dental services thatare not provided by a participating dentist.2.Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services,subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.3.Applies to Type B and C services only.4.Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonableand Customary charge is based on the lowest of:· the dentist’s actual charge (the 'Actual Charge'),· the dentist’s usual charge for the same or similar services (the 'Usual Charge') or· the usual charge of most dentists in the same geographic area for the same or similar services as determined byMetLife (the 'Customary Charge'). For your plan, the Customary Charge is based on the 80th percentile. Servicesmust be necessary in terms of generally accepted dental standards.

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Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0121010762[exp0322][CA,FL,NJ,NY,TX] © 2021 MetLife Services and Solutions, LLC Dental Frequently Asked Questions 1. Dental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation in NY. Dental HMO plan benefitsare provided by: SafeGuard Health Plans, Inc., a California corporation in CA; SafeGuard Health Plans, Inc., a Florida corporation in FL; SafeGuard Health Plans, Inc., a Texas corporation in TX; and MetLife Health Plans, Inc., a Delaware corporation and Metropolitan Life Insurance Company, a New York corporation in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. “DHMO” is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: “Specialized Health Care Service Plans” in California; “Prepaid Limited Health Service Organizations” as described in Chapter 636 of the Florida statutes in Florida; “Single Service Health Maintenance Organizations” in Texas; and “Dental Plan Organizations,” as described in the Dental Plan Organization Act in New Jersey.2. Certain providers may participate with MetLife through an agreement that MetLife has with a vendor. Providers available through a vendor are subject to the vendor’s credentialing process and requirements, not MetLife’s. If you should have any questions, contact MetLife Customer Service.3. Savings from enrolling in a dental benefits plan will depend on various factors, including plan design and premiums, how often participants visit the dentist and the cost of services rendered.Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Please contact MetLife for costs and complete details. Have other questions? Please call MetLife directly at 1 800 GET-MET8 (1 800 438-6388) and talk with a benefits consultant. Q: How can the plan save me money? A: Think about this: Having a good dental plan in place can help you save money every year.3 You also may be able to use your benefits to lessen the impact of costly emergency dental treatments that may run into the hundreds or even thousands. Q: How are claims processed. A: Dentists may submit claims for you, which means you have little or no paperwork. You can track your claims online and even receive email alerts when a claim has been processed. If you need a claim form, visit metlife.com/mybenefits or call 1 800 GET-MET8. Q: What about waiting periods? A: There are no waiting periods, annual maximums or claim forms. Q: How much is my annual deductible? A: There are no deductibles with a Dental HMO/Managed Care Plan Q: How do I pay for my Dental plan? A: Premiums will be conveniently paid through payroll deduction. So you don’t have to worry about writing a check or missing a payment. Q: When can I enroll? A: You can enroll during your open enrollment period.

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Metropolitan Life Insurance Company200 Park AvenueNew York, NY 10166www.metlife.com© 2018 MetLife Services and Solutions, LLC L0318503786[All States] www.metlife.com/mybeneﬁts How to Register on MyBenefitsMyBeneﬁts provides you with a personalized, integrated and secure view of your MetLife-delivered beneﬁts. You can take advantage of a number of self-service capabilities as well as a wealth of easy to access information. MetLife is able to deliver services that empower you to manage your beneﬁts. As a ﬁrst time user, you will need to register on MyBeneﬁts. To register, follow the steps outlined below.Registration Process for MyBenefits Provide Your Group NameAccess MyBenefits at www.metlife.com/mybenefits and enter your group name: Prestige Employee Administrators, Inc. and click ‘Submit.’The Login ScreenOn the Home Page, you can access general information. To begin accessing personal plan information, click on ‘Register Now’ and perform the one-time registration process. Going forward, you will be able to log-in directly.Step 1: Enter Personal InformationEnter your ﬁrst and last name, identifying data and e-mail address.Step 2: Create a User Name and PasswordThen you will need to create a unique user name and password for future access to MyBeneﬁts.Step 3: Security Veriﬁcation QuestionsNow, you will need to choose and answer three identity veriﬁcation questions to be utilized in the event you forget your password.Step 4: Terms of UseFinally, you will be asked to read and agree to the website’s Terms of Use.Step 5: Process CompleteNow you will be brought to the “Thank You” page.Lastly, a confirmation of your registration will be sent to the email address you provided during registration.The User Name and Password requirements may vary by company setup. General setup includes a User Name between 8-20 characters, containing at least one letter and one number, and a password between 6-20 characters, containing at least one letter and one number.

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MetLife VisionAccess is a discount program that helps you save and stay on top of your care. You get great discounts that couldn’t be easier to use—just visit one of the thousands of participating private practice ophthalmologists and optometrists. Set your sights on savings and convenience.What you get is clear:• Savings on eye exams• Discounts on glasses and frames• Lower costs for laser vision correction• A broad choice of quality providers• Availability of the program to your entire family• No enrollment or claim formsUsing your discount is simple. Just provide your program code, MET2020, when making an appointment or receiving services or materials. And remember, you’ll need to visit a participating private practice to take advantage of the program. Save the attached cards for easy reference.PRICING IN REGIONAL AREAS SHOULD NOT EXCEED CERTAIN AMOUNTS REFER TO SCHEDULE OF BENEFITS ON THE BACK OF THIS FLYERREGION 1 AK, CA (Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano), CT, DC, HI, NJ, NY (Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk, Westchester), and MAREGION 2 California (all except Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano), DE, FL, IL, MD, MI, NH, NV, PA, RI, and WAREGION 3 AZ, CO, GA, LA, MN, ME, NM, NY (all except Bronx, Kings, Nassau, New York, Queens, Richmond, Rockland, Suffolk, Westchester, ), OH, OR, TX, UT, VT, and VAREGION 4 AL, AR, IA, ID, IN, KS, KY, MO, MS, MT, NE, NC, ND, OK, SC, SD, TN, WV, WI, WY, and PR Cut hereProgram provided through Vision Service Plan (VSP).Program provided through Vision Service Plan (VSP).VisionAccess ProgramVisionAccess ProgramSee Well. Stay Healthy. Save More.• 20% off eye exam• 20% off lenses and lens options• 25% off frames• 20% off non-prescription sunglasses• Discounts on laser vision correctionSee Well. Stay Healthy. Save More.• 20% off eye exam• 20% off lenses and lens options• 25% off frames• 20% off non-prescription sunglasses• Discounts on laser vision correctionProgram Code: MET2020Program Code: MET2020© PNTS © PNTS METLIFE VISIONACCESS PROGRAM

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VISION CARE SERVICE MEMBER SAVINGSEXAM120% off of Usual and Customary fee with a maximum copay of: Region 1: $90 Region 2: $90 Region 3: $80 Region 4: $75EXAM — CONTACT LENS 15% off Usual and Customary feeDiscounts on contact lens materials are not available. Check with your participating private practice for available offers.STANDARD CORRECTIVE LENSES — GLASS OR PLASTIC• SINGLE VISION120% off of Usual and Customary fee with a maximum copay of: Region 1: $50 Region 2: $45 Region 3: $45 Region 4: $40• LINED BIFOCAL120% off of Usual and Customary fee with a maximum copay of: Region 1: $70 Region 2: $65 Region 3: $65 Region 4: $60• LINED TRIFOCAL120% off of Usual and Customary fee with a maximum copay of: Region 1: $90 Region 2: $85 Region 3: $85 Region 4: $75STANDARD LENS OPTIONS• ULTRAVIOLET COATING 20% off of Usual and Customary fee with a maximum copay of $15• TINT — SOLID OR GRADIENT 20% off of Usual and Customary fee• STANDARD SCRATCH-RESISTANT COATING (SCRATCH A) 20% off of Usual and Customary fee with a maximum copay of $15• STANDARD POLYCARBONATE 20% off of Usual and Customary fee with a maximum copay of $40• STANDARD PROGRESSIVE 20% off of Usual and Customary fee, add on to bifocal, with a maximum copay of $55• BASIC ANTI-REFLECTIVE COATING 20% off of Usual and Customary fee with a maximum copay of $45• BLENDED INVISIBLE BIFOCAL 20% off of Usual and Customary fee• INTERMEDIATE VISION LENSES 20% off of Usual and Customary fee• HIGH INDEX 20% off of Usual and Customary fee• POLARIZED 20% off of Usual and Customary fee• ALL OTHER LENS OPTIONS/FEATURES 20% off of Usual and Customary feeFRAMES 25% off of Usual and Customary feeLASER VISION CORRECTION2Discounts averaging 15% off the regular price or 5% off a promotional offer for laser surgery including PRK, LASIK and Custom LASIK. Discounts are only available from MetLife participating facilities.NON-PRESCRIPTION SUNGLASSES 20% off of Usual and Customary feeDISCOUNTS ARE ONLY AVAILABLE THROUGH PARTICIPATING PRIVATE PRACTICES.Get a clearer view on life for less.For more information or to ﬁnd a participating provider, visit our website at www.metlife.com/mybeneﬁts or call 1-888-GET-MET8.Metropolitan Life Insurance Company200 Park AvenueNew York, NY 10166www.metlife.com1311-3324 1900031980(1213) © 2013 METLIFE, INC. L1113352120[exp0515][All States][DC,GU,MP,PR]PEANUTS © 2013 Peanuts WorldwideMetLife VisionAccess is a discount program and not an insured benefit. The program is available at no charge regardless of enrollment in other MetLife benefits as long as the plan sponsor has an active MetLife group product. It is provided through Vision Service Plan (VSP), Rancho Cordova, CA. VSP is not affiliated with Metropolitan Life Insurance Company or its affiliates. 1 See listing of Regional Discount Areas on the front of this flyer.2 Custom LASIK coverage only available using wavefront technology with the microkeratome surgical device. Other LASIK procedures may be performed at an additional cost to the member. Laser vision care discounts are only available from participating facilities.Discounts are available from any participating private practice. See your program schedule of beneﬁts for more details.Provide your program code, MET2020, when making an appointment or receiving services or materials.To review beneﬁts or ﬁnd a participating provider, visit our website or call.www.metlife.com/mybeneﬁts1-888-GET-MET8 (1-888-438-6388) Discounts are available from any participating private practice. See your program schedule of beneﬁts for more details.Provide your program code, MET2020, when making an appointment or receiving services or materials.To review beneﬁts or ﬁnd a participating provider, visit our website or call.www.metlife.com/mybeneﬁts1-888-GET-MET8 (1-888-438-6388) Say “Vision;” then select option 2 (MetLife VisionAccess Discount Program)Say “Vision;” then select option 2 (MetLife VisionAccess Discount Program)

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DENTALHow to ﬁnd a PPO or DHMO dentistThere are three ways to ﬁnd an in-network dentist:Online1. Go to www.sunlife.com/ﬁndadentist2. You now have three ways to search for a dentist near you:a. Search with your Group IDb. Log into your Sun Life accountc. Select your PPO or DHMO network from the lists provided3. All three of these methods will bring you to the dentist search screen. Simplycomplete that form and a list of your local dentists will be generated.Mobile App1. Download our mobile app, Beneﬁt Tools (available for Android or iPhone).2. Select Find a Dentist.3. You now have three ways to search for a dentist near you:a. Log into your Sun Life accountb. Search with your Group IDc. Select your PPO or DHMO network from the lists provided4. All three of these methods will bring you to the dentist search screen. Simplycomplete that form and a list of your local dentists will be generated.Phone800-442-7742If you are not currently registered for a Sun Life account, you can register at www.sunlife.com/account. Your account gives you access to your personalized dental ID card, beneﬁt and plan details, claim history and more.AndroidiPhoneGroup insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01 and 16-DEN-C-01. Prepaid dental products are provided and administered by SLOC under Form Series BDC-GDSA, PDC, and are provided by prepaid dental companies, afﬁliated with SLOC, under Form Series BDC-GDSA, UDC-CA-GA06-UDC, UDC-CA-GA06-89, FB-NJ-0281, UDC-09-GDSA-TX, PDC in certain states except New York. Prepaid dental companies are Denticare of Alabama, Inc., United Dental Care of Arizona, Inc., UDC Dental California, Inc., United Dental Care of Colorado, Inc., Union Security DentalCare of Georgia, Inc., United Dental Care of Missouri, Inc., Union Security DentalCare of New Jersey, Inc., United Dental Care of New Mexico, Inc., UDC Ohio, Inc., United Dental Care of Texas, Inc., and United Dental Care of Utah, Inc. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) under Policy Form Series 15-GP-01 , 16-DEN-C-01 and prepaid dental products are provided and administered by SLHIC under Form Series BDC-GDSA-NY. ©2019 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life and the globe symbol are trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. GDFL-6367d

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DENTALTips for Using Your Dental Plan Your dentist ofﬁce will want to know that you are a Sun Life plan member at your next visit. Simply share a copy of your new dental ID card with them. You can access a copy of your dental ID card through your Sun Life account or via our mobile app, Beneﬁt Tools. Quick references to register and access these tools are included on this page. Please note that printed dental ID cards are not provided and/or mailed to your home. Online Services Your Sun Life account gives you access to everything you need to know about your dental plan, including your dental ID card, beneﬁt schedule and more. To complete your registration, you will need your Social Security number or member ID, and date of birth. Register today at www.sunlife.com/account. Beneﬁt Tools mobile appBeneﬁt Tools takes your access to information, including your dental ID card and ﬁnd a dentist, on-the-go! Available for iPhone and Android devices, ﬁnd the app at www.sunlife.com/mobileapps.Android download Apple download This dental plan does not provide coverage for pediatric oral health services that satisﬁes the requirements for “minimum essential coverage” as deﬁned by the Patient Protection and Affordable Care Act. (“PPACA”). Group insurance policies are underwritten by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01 and 16-DEN-C-01. Prepaid dental products are provided and administered by SLOC under Form Series BDC-GDSA, PDC, and are provided by prepaid dental companies, afﬁliated with SLOC, under Form Series BDC-GDSA, UDC-CA-GA06-UDC, UDC-CA-GA06-89, FB-NJ-0281, UDC-09-GDSA-TX, PDC in certain states except New York. Prepaid dental companies are Denticare of Alabama, Inc., United Dental Care of Arizona, Inc., UDC Dental California, Inc., United Dental Care of Colorado, Inc., Union Security DentalCare of Georgia, Inc., United Dental Care of Missouri, Inc., Union Security DentalCare of New Jersey, Inc., United Dental Care of New Mexico, Inc., UDC Ohio, Inc., United Dental Care of Texas, Inc., and United Dental Care of Utah, Inc. In New York, group insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (SLHIC) (Lansing, MI) under Policy Form Series 15-GP-01, 16-DEN-C-01 and prepaid dental products are provided and administered by SLHIC under Form Series BDC-GDSA-NY.© 2018 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life and the globe symbol are trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.Check out our short video for step-by-step instructions on downloading your Dental ID card at www.brainshark.com/sunlife/Dental-ID-Card.We look forward to providing you and your family with dental beneﬁts and great service!Find a Dentist If your plan leverages one of our networks, you can easily search for a dentist online or through our mobile app Beneﬁt Tools. Your network is listed on the back of your dental ID card. To ﬁnd a participating dentist online, visit sunlife.com/ﬁndadentist. Dental Health Center Get the most from your dental plan by visiting our Dental Health Center. Learn more about dental treatments, average costs, and you can even pose questions through ask-a-dentist. Take control of your dental health at sunlife.com/dentalhealthcenter.GDFL-6866-NP-g (02/19)

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ONLINE ADVANTAGEQuick. Smart. Convenient.Online Advantage for members Is it important for you to be able to manage your beneﬁts online, on your schedule? If the answer is yes, we are conﬁdent that Online Advantage is the right tool for you. Life’s brighter under the sunWhat is Online Advantage?Online Advantage is a tool that allows you immediate access to your plan information. We built Online Advantage for you, our user. It gives you the power to view your beneﬁts and claims on your terms, at your convenience at no additional charge. Easy registration—sign up today! Go to www.sunlife.com/onlineadvantage and follow the registration instructions. To complete your registration, you will need your member ID* and date of birth.*Your member ID may be your Social Security number.How can Online Advantage help you?You can:•View and/or print personalized dental ID cards• View and/or print beneﬁt information pages•View most recent dental visits and procedures•View and/or print booklets•View status of submitted claims1• Find a vision or dental network provider and/or specialist• Access our Dental Health Center, whereyou can ask a question, estimate the cost ofservice, or learn about dental issuesBeneﬁt ToolsMany of these services are also available on our mobile app—Beneﬁt Tools. Download it today!Android download Apple downloadwww.sunlife.com/us1. Hospital Conﬁnement Indemnity “Gap” claim status is not available online. Insurance products are underwritten by Union Security Insurance Company (USIC) (Kansas City, MO) and administered by Sun Life Assurance Company of Canada (SLOC) (Wellesley Hills, MA). In New York, insurance products are underwritten by Union Security Life Insurance Company of New York (Fayetteville, NY) and administered by Sun Life and Health Insurance Company (U.S.) (Lansing, MI). Prepaid dental products are provided by USIC and are administered by SLOC, and are provided by certain prepaid dental companies afﬁliated with SLOC in certain states. Group Hospital Conﬁnement Indemnity “Gap” or Supplemental Medical Expense “Gap” insurance is underwritten by Fidelity Security Life Insurance Company (Kansas City, MO) and administered by SLOC. © 2016 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. Sun Life Financial and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. Give Online Advantage a try—register today! For more information or to register by phone, call 800-733-7879, extension 7600.WFL-ALG-6097h KC4545A-JSLPC 27604 08/16 Questions? We provide online support with a friendly, dedicated team willing to assist you by e-mail or phone.Give Online Advantage a try—register today!

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Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0822024786[exp0724][All States] © 2022 MetLife Services and Solutions, LLC Page 1 of 3 Davis Vision Plan Summary With your Davis Vision Preferred Provider Organization (PPO) Plan you can:  Go to any licensed Davis vision provider and receive coverage. Just remember your benefit dollars go further when you stay in network. Choose from a large network of ophthalmologists, optometrists and opticians, from private practices to retailers like Costco® Optical, Walmart®, Sam’s Club® and Visionworks®. In-network value added features: Additional savings on lens enhancements:5 Save an average of 20-25% over retail on all lens enhancements not otherwise covered under the Davis Vision Insurance program. Additional savings on glasses and sunglasses:5 A 20% discount off the provider’s usual and customary rate may be available. When buying additional complete pairs of eyeglasses or sunglasses on the same transaction as their primary benefit, members may receive 50% off the additional pair at Visionworks® and 30% off at other participating providers. Additional savings on frames:5 20% off any amount over your frames allowance. Additional savings on contacts:5 15% off any amount over your contact lens allowance. 15% same-day discount on additional contacts beyond your covered amount. 10% after-service discount on additional contacts beyond your covered amount. Laser vision correction: 5 Savings of 20% - 50% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers.  In-Network Covered Benefits There are no claims for you to file when you go to an in-network Davis vision provider. Simply pay any copays or member out of pocket amount (MOOP) and, if applicable, any amount over your frame/contact allowance at the time of service. Frequency Eye exam Once every 12 months Eye health exam, dilation, prescription, and refraction for glasses: Covered in full after a $10 copay  Retinal imaging: Up to a $39 copay on routine retinal screening when performed by a private practitioner. Frame Once every 12 months  Allowance: $175 after $25 eyewear copay. 1 OR  Exclusive Collection Frame Copay (in lieu of Allowance) for 3 tiers of the Collection: Premier: Covered / Covered / Covered Participating private practice providers typically do not display the Collection but are contractually required to maintain a comparable selection (in both quantity and quality) of frames that would be covered, with no additional member out-of-pocket expense. Special lens designs, materials, powers and frames may require additional cost. Collection is available at most participating independent provider offices. Collection is subject to change. Standard corrective lenses Once every 12 months  Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $25 eyewear copay.1.  Standard lens enhancements2 Once every 12 months Standard Polycarbonate (child up to age 18) 3, Plastic tints/dyes, Solid and Gradient Tints: Covered in full.  Progressive Standard, Progressive Premium/Custom, Standard Polycarbonate (adult), UV coating, Scratch-resistant coatings, Anti-reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Your cost will be limited to a member out of pocket (MOOP) amount that MetLife has negotiated for you. These amounts may be viewed after enrollment at metlife.com/mybenefits. 1 Materials co-pay applies to lenses and frames only, not contact lenses. 2 The above list highlights some of the most popular lens enhancements and is not a complete listing. 3 Polycarbonate lenses are covered for dependent children, monocular patients, and patients with prescriptions +/- 6.00 diopters or greater.

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Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0822024786[exp0724][All States] © 2022 MetLife Services and Solutions, LLC Page 2 of 3 In-network value added features continued: Free one-year breakage warranty: All Davis Collection eyeglasses come with a breakage warranty for repair or replacement of the frame and/or lenses for a period of one year from the date of delivery. The one-year breakage warranty applies only to Davis Collection frames and lenses installed in them. Warranty does not apply to non-Collection frames. Hearing discounts: 5 A National Hearing Network of hearing care professionals, featuring Your Hearing Network, offers Davis Vision members discounts on services, hearing aids and accessories. These discounts should be verified prior to service. Contact lenses (instead of eyeglasses)4 Once every 12 months  Contact fitting and evaluation: Covered in full  Elective lenses: $175 allowance*Number of contact lens boxes may vary based on manufacturer’s packaging.  Necessary lenses: Covered in full with prior authorization  Discounts:4 • 15% off the amount over your contact lens allowance. • Same-day purchase of additional contacts: 15% • After-service purchase of additional contacts: 10% We’re here to help Find a Davis Vision provider at www.metlife.com/vision and select ‘Davis Vision by MetLife’. For general questions at any time, call 1-833-EYE-LIFE (1-833-393-5433). Once your coverage is effective, visit our member website at www.metlife.com/mybenefits 4 4 Not all providers participate in vision program discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if the discount and member out-of-pocket features are offered at that location. Discounts and member out-of-pocket are not insurance and subject to change without notice. Materials co-pay applies to lenses and frames only, not contact lenses. 5 5 These features may not be available in all states and with all in-network vision providers. Discounts are not available at Walmart and Sam’s Club. Please check with your in-network vision provider. Out-of-network reimbursement You pay for services and then submit a claim for reimbursement. The same benefit frequencies for in-network benefits apply. Once you enroll, visit www.metlife.com/mybenefits for detailed out-of-network benefits information. Materials copay of $0  Eye exam: up to $45 after a $0 copay Frames: up to $70 Contact lenses: Single vision lenses: up to $30  Elective lenses up to $105  Lined bifocal lenses: up to $50  Necessary lenses up to $210 Lined trifocal lenses: up to $65 Lenticular lenses: up to $100 Progressive lenses: up to $50 Child Vision Care Plan Enhancement Once every 12 months (Benefit applies only to covered dependent children up to age 18) Children covered under this supplemental plan benefit are covered for:  Exam: One additional comprehensive exam, covered in full after any applicable copay, every service interval  Frames: Covered in full after any applicable copay once every service interval.  Lenses:* Covered in full after any applicable copay once every service interval.  Contacts (in lieu of glasses):* Covered in full after any applicable copay once every service interval. * One additional pair of spectacle lenses, or elective contact lenses, or necessary contact lenses less any applicable copayment, if: • The new prescription differs from the original by at least a .50 diopter sphere or cylinder, or • There is a change in the axis of 15 degrees or more, or • There is a .5 prism diopter change in at least one eye.

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Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0822024786[exp0724][All States] © 2022 MetLife Services and Solutions, LLC Page 1 of 3 Davis Vision Plan Summary With your Davis Vision Preferred Provider Organization (PPO) Plan you can:  Go to any licensed Davis vision provider and receive coverage. Just remember your benefit dollars go further when you stay in network. Choose from a large network of ophthalmologists, optometrists and opticians, from private practices to retailers like Costco® Optical, Walmart®, Sam’s Club® and Visionworks®. In-network value added features: Additional savings on lens enhancements:5 Save an average of 20-25% over retail on all lens enhancements not otherwise covered under the Davis Vision Insurance program. Additional savings on glasses and sunglasses:5 A 20% discount off the provider’s usual and customary rate may be available. When buying additional complete pairs of eyeglasses or sunglasses on the same transaction as their primary benefit, members may receive 50% off the additional pair at Visionworks® and 30% off at other participating providers. Additional savings on frames:5 20% off any amount over your frames allowance. Additional savings on contacts:5 15% off any amount over your contact lens allowance. 15% same-day discount on additional contacts beyond your covered amount. 10% after-service discount on additional contacts beyond your covered amount. Laser vision correction: 5 Savings of 20% - 50% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers.  In-Network Covered Benefits There are no claims for you to file when you go to an in-network Davis vision provider. Simply pay any copays or member out of pocket amount (MOOP) and, if applicable, any amount over your frame/contact allowance at the time of service. Frequency Eye exam Once every 12 months Eye health exam, dilation, prescription, and refraction for glasses: Covered in full after a $10 copay  Retinal imaging: Up to a $39 copay on routine retinal screening when performed by a private practitioner. Frame Once every 24 months  Allowance: $130 after $25 eyewear copay. 1 OR  Exclusive Collection Frame Copay (in lieu of Allowance) for 3 tiers of the Collection: Premier: Covered / Covered / Covered Participating private practice providers typically do not display the Collection but are contractually required to maintain a comparable selection (in both quantity and quality) of frames that would be covered, with no additional member out-of-pocket expense. Special lens designs, materials, powers and frames may require additional cost. Collection is available at most participating independent provider offices. Collection is subject to change. Standard corrective lenses Once every 12 months  Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $25 eyewear copay.1.  Standard lens enhancements2 Once every 12 months Standard Polycarbonate (child up to age 18) 3, Plastic tints/dyes, Solid and Gradient Tints: Covered in full.  Progressive Standard, Progressive Premium/Custom, Standard Polycarbonate (adult), UV coating, Scratch-resistant coatings, Anti-reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Your cost will be limited to a member out of pocket (MOOP) amount that MetLife has negotiated for you. These amounts may be viewed after enrollment at metlife.com/mybenefits. 1 Materials co-pay applies to lenses and frames only, not contact lenses. 2 The above list highlights some of the most popular lens enhancements and is not a complete listing. 3 Polycarbonate lenses are covered for dependent children, monocular patients, and patients with prescriptions +/- 6.00 diopters or greater.

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Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0822024786[exp0724][All States] © 2022 MetLife Services and Solutions, LLC Page 1 of 3 Davis Vision Plan Summary With your Davis Vision Preferred Provider Organization (PPO) Plan you can:  Go to any licensed Davis vision provider and receive coverage. Just remember your benefit dollars go further when you stay in network. Choose from a large network of ophthalmologists, optometrists and opticians, from private practices to retailers like Costco® Optical, Walmart®, Sam’s Club® and Visionworks®. In-network value added features: Additional savings on lens enhancements:5 Save an average of 20-25% over retail on all lens enhancements not otherwise covered under the Davis Vision Insurance program. Additional savings on glasses and sunglasses:5 A 20% discount off the provider’s usual and customary rate may be available. When buying additional complete pairs of eyeglasses or sunglasses on the same transaction as their primary benefit, members may receive 50% off the additional pair at Visionworks® and 30% off at other participating providers. Additional savings on frames:5 20% off any amount over your frames allowance. Additional savings on contacts:5 15% off any amount over your contact lens allowance. 15% same-day discount on additional contacts beyond your covered amount. 10% after-service discount on additional contacts beyond your covered amount. Laser vision correction: 5 Savings of 20% - 50% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers.  In-Network Covered Benefits There are no claims for you to file when you go to an in-network Davis vision provider. Simply pay any copays or member out of pocket amount (MOOP) and, if applicable, any amount over your frame/contact allowance at the time of service. Frequency Eye exam Once every 12 months Eye health exam, dilation, prescription, and refraction for glasses: Covered in full after a $10 copay  Retinal imaging: Up to a $39 copay on routine retinal screening when performed by a private practitioner. Frame Once every 24 months  Allowance: $130 after $25 eyewear copay. 1 OR  Exclusive Collection Frame Copay (in lieu of Allowance) for 3 tiers of the Collection: Premier: Covered / Covered / Covered Participating private practice providers typically do not display the Collection but are contractually required to maintain a comparable selection (in both quantity and quality) of frames that would be covered, with no additional member out-of-pocket expense. Special lens designs, materials, powers and frames may require additional cost. Collection is available at most participating independent provider offices. Collection is subject to change. Standard corrective lenses Once every 12 months  Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $25 eyewear copay.1.  Standard lens enhancements2 Once every 12 months Standard Polycarbonate (child up to age 18) 3, Plastic tints/dyes, Solid and Gradient Tints: Covered in full.  Progressive Standard, Progressive Premium/Custom, Standard Polycarbonate (adult), UV coating, Scratch-resistant coatings, Anti-reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Your cost will be limited to a member out of pocket (MOOP) amount that MetLife has negotiated for you. These amounts may be viewed after enrollment at metlife.com/mybenefits. 1 Materials co-pay applies to lenses and frames only, not contact lenses. 2 The above list highlights some of the most popular lens enhancements and is not a complete listing. 3 Polycarbonate lenses are covered for dependent children, monocular patients, and patients with prescriptions +/- 6.00 diopters or greater.

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Your benefit in actionHere’s how easy it is to use Vision Insurance:Choose a licensed vision care specialist from a large network of ophthalmologists, optometrists and opticians at private practices or retail locations.When you go to a participating vision specialist, there are no claims to file. You don’t even need an ID card. Premiums are conveniently paid through payroll deduction. No checks to write or worries about missing a payment.Vision insurance can help minimize your out-of-pocket costs for vision care and eyewear.Benefit overviewHelps you save on vision services,2from eye exams to glasses and contact lenses.May help you avoid costly problems in the future. Regular visits to your eye care professional are not only important for your eyes. Through a routine exam, eye doctors can potentially spot serious health problems like diabetes, high blood pressure, heart disease, certain cancers and other conditions.1WhyneededChoose which plan best suits you:• Employee Only• Employee & Eligible Family MembersWho is covered• Eye exams• Eyewear • Lens enhancement options, including, but not limited to, polycarbonate, UV coating, scratch-resistant coating and blue light filtering5Please see your Plan Summary for details.Covered services include• Selection of fully covered frames at no additional cost to you• Access to the Exclusive Collection,6with coverage on designer frames for $40 or less and with a one-year breakage warranty• Choice of retail chains in-network, such as America’s Best, Costco Optical, National Vision, Visionworks and Walmart7• Online in-network eyewear stores, including Glasses.com, 1-800 Contacts, Befitting.com and Visionworks.com7• A hearing exam at no additional cost and up to a 40% discount off hearing aids8• Access a discount on LASIK for vision correction9Additional valueAdvantages of MetLife Vision Insurance with the Davis Vision network

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Vision Benefit Summarywww.myuhcvision.comCustomer Service: (800) 638-3120Provider Locator: (800) 839-3242Plan V1077NETWORKNON-NETWORKComprehensive Vision ExamUp to $40$10 CopayMaterials - Eyeglass Lenses/Eyeglass Frames or Contact LensesSee below$25 Copay¹Frequencies - Based on last date of serviceOnce every 12 monthsOnce every 12 monthsOnce every 24 monthsExam LensesFrames NETWORKNON-NETWORKCOVERED SERVICESPair of Lenses (for Eyewear)• Standard single vision lensesCovered in full after applicable copay¹Up to $40• Standard lined bifocal lensesUp to $60• Standard lined trifocal lensesUp to $80Includes standard scratch-resistant coating• Standard lenticular lensesUp to $80Lens options such as progressive lenses, tints, UV, and anti-reflective coating may be available at a discount at participating providers.FramesYou will receive a retail frame allowance toward the purchase of any frame at a network provider. For frames that exceed your allowance, you may receive an additional 30% discount on the overage (available only at participating providers and may exclude certain frame manufacturers).$130 Retail Frame Allowance Up to $45(after applicable copay ¹ )Contact Lenses²• Covered contact lens selectionUp to $125It is important to note the covered contact lens selectionmay vary by provider but does include the most popular brands on the market today.³ A complete list can be found by visiting our website www.myuhcvision.com.Up to 4 boxes of contact lenses plus the fitting/evaluation fees and up to two follow-up visits are covered-in-full(after applicable copay ¹ )Up to $125(material copay is waived)Up to $125• Non-selection contactsYou receive an allowance which is applied toward thefitting/evaluation fees and purchase of contact lenses outside the covered contact lens selection.Up to $210{@Bullet} Necessary contact lenses 4Covered in full after applicable copay¹• Necessary contact lensesThe material copayment will apply once if frames and lenses, or contact lenses in lieu of eyewear, are purchased at the same time at a network provider.12Contact lenses are in lieu of eyeglass lenses and/or eyeglass frames.3Coverage for Covered Contact Lens Selection does not apply at Walmart or Sam's Club locations. The allowance for non-selection contact lenses will be applied toward the fitting/evaluation fee and purchase of all contacts.4Necessary contact lenses are determined at the provider's discretion for one or more of the following conditions: Following cataract surgery without intraocular lens implant; to correct extreme vision problems that cannot be corrected with eyeglass lenses and/or eyeglass frames; with certain conditions of anisometropia, keratoconus, irregular corneals/astigmatism, aphakia, facial deformity, or corneal deformity. If your provider considers your contacts necessary, you should ask your provider to contact UnitedHealthcare concerning the reimbursement that UnitedHealthcare will make before you purchase such contacts.

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Take steps to protect your eyes — and your overall health 1 Find an eye doctor in your networkWhen it comes to shopping for eye care, you’ve got plenty of choices. The UnitedHealthcare Vision Network has over 120,000 access points for care nationally, from local doctors around the corner to large retail chains.*Log in to myuhcvision.com to search by provider name, specialty or location.2 Schedule your eye examRegular visits to an eye doctor can help keep your eyes healthy and improve your overall health.Get a complete eye examA dilated exam lets your doctor look inside your eye and check your eye health. The exam can also show early signs of conditions like diabetes or high blood pressure, even before other parts of your body are aﬀected. At your appointment, be sure to:• Tell your doctor you have a UnitedHealthcare Vision plan• Give your name and date of birthYou don’t need your ID card to use your beneﬁts. If you want an ID card, you can print it from your computer or save it to your mobile device at myuhcvision.com. 3 Discover more ways to saveLaser vision correctionSave up to 35% oﬀ the national average price of laser vision correction at more than 900 QualSight® LASIK locations nationwide.* Learn more at myuhcvision.com.Contact lensesOrder contacts from major brands online to get 10% oﬀ your order as well as free shipping on orders $99 or more. Visit uhccontacts.com to get started.Eyeglasses and sunglassesShop a wide variety of frames, lenses and coatings — some available at no additional cost. Try on new styles using the virtual mirror and access 24/7 customer support. Visit uhcglasses.com.Hearing aidsGet preferred pricing on custom-programmed hearing aids, starting at $699 each, through UnitedHealthcare Hearing. Learn more at myuhcvision.com.*Not all providers participate in all plans. Check with your provider before using your beneﬁts. Network snapshot report (internal report), 2021.Here are some of the well-known retail locations in your network:

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Set your sights on style and savings at Warby ParkerWear contact lenses? Your plan may apply toward them, too. Shop Scout, Warby Parker’s own brand of daily contacts, plus other daily, biweekly and monthly lenses.Your vision benefits are designed to help you save on prescription glasses, sunglasses, contacts and eye exams in stores or online.Enjoy a flexible shopping experience and extra featuresFinding your perfect pair is easy. Try on 5 frames through Warby Parker’s Home Try-On program or see styles instantly on your face with the Virtual Try-On tool in the Warby Parker app.* Every pair of glasses comes with anti-reflective and scratch- and smudge-resistant lenses. Prescription sunglasses are scratch-resistant and polarized to reduce glare.Learn more Visit warbyparker.com/united*iPhone® X or higher.**This is the amount owed by most UnitedHealthcare members whose plans are eligible to be used at Warby Parker.All trademarks are the property of their respective owners.UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact either your broker or the company.B2C EI211210479.0 1/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 21-1210480Vision | Warby ParkerWhat you getWithout vision insuranceWith a UnitedHealthcare Vision plan**Single-vision eyeglasses $95You only pay your copayUsually $25 or less. Seriously, that’s it!Single-vision eyeglasses with high-index lenses $125Single-vision sunglasses $175Single-vision sunglasses with high-index lenses $205Progressive eyeglasses $295Progressive sunglasses $375Comprehensive eye exam (at participating stores) $75

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Well-known practices and brands in our large national network include:• Rosin Eyecare• Rx Optical• Sam’s Club• SEE Inc.• Shawnee Optical• Shopko• Site for Sore Eyes• Standard Optical• Stanton Optical• Sterling Optical• SVS Vision• Target Optical• Texas State Optical• The Eye Doctors• The Eye Gallery• Today’s Vision• Total Vision• Virginia Eye Institute• Vision Source• Vision4Less• Visionworks• Vista Optical• Walmart• Warby Parker — including warbyparker.com• Wisconsin VisionSee more ways to saveKeep out-of-pocket costs low by visiting uhccontacts.com or uhcglasses.com where you’ll have a variety of brands and frame choices at your fingertips.Call1-800-638-3120Visitmyuhcvision.comThe company does not discriminate on the basis of race, color, national origin, sex, age or disability in health programs and activities.We provide free services to help you communicate with us. Such as, letters in other languages or large print. Or, you can ask for an interpreter.To ask for help, please call 1-800-638-3120, TTY 711, Monday through Friday, 7 a.m. to 10 p.m. CST.ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al 1-800-638-3120, TTY 711.請注意：如果您說中文 (Chinese)，我們免費為您提供語言協助服務。請致電：1-800-638-3120, TTY 711。All trademarks are the property of their respective owners.UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX , VPOL.13.TX or VPOL.18.TX and associated COC form number VCOC.INT.06.TX, VCOC.CER.13.TX or VCOC.18.TX. Plans sold in Virginia use policy form number VPOL.06.VA, VPOL.13.VA or VPOL.18.VA and associated COC form number VCOC.INT.06.VA, VCOC.CER.13.VA or VCOC.18.VA. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact the company.B2C EI221480205.0 4/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 22-1480206-B

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Vision | Plan Benefits Enjoy the freedom of LASIK at a value that’s clear Ready to break up with your glasses or contacts? See how you can save with your UnitedHealthcare Vision plan. See the savings You have access to discounts on laser vision correction procedures through our alliance with QualSight® LASIK. All QualSight LASIK surgeons offer members a discount of up to 35% off national pricing. 35Save up to% on laser vision correction at QualSight LASIK Experience the value When you choose QualSight LASIK, you get many helpful extras, including: • A free LASIK consultation • Bladeless laser vision correction procedures • The choice of more than 800 locations nationwide • Financing options • Enhancements for optimal vision correction results, with extended enhancement plans also available • Personal QualSight Care Manager for one-on-one help throughout the process Get more info To learn more about laser vision correction, and to find a network surgeon, visit uhc.qualsight.com or call 1-855-321-2020 All trademarks are the property of their respective owners. UnitedHealthcare members are served through QualSight LASIK. All rights reserved. LASIK is not a covered benefit, but a discount available to UnitedHealthcare vision members. UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact either your broker or the company. B2C EI211210477.0 1/22 © 2022 United HealthCare Services, Inc. All Rights Reserved. 21-1210480

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LI-GCERT-BASIC GCERT Life Benefit Summary200 Park Ave., New York, NY 10166© 2020 MetLife Services and Solutions, LLC L1120009094][All States]What Is Not Covered?Like most insurance plans, this plan has exclusions. In addition, a reduction schedule may apply. Please see yourbenefits administrator or certificate for specific details.Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed toby: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external woundaccidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by anymeans of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken asdirected; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared orundeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas,voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, exceptthe United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while inany aircraft for the purpose of descent from such aircraft while in flight (except for self preservation); or operating a vehicleor device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs.Life and AD&D coverages are provided under a group insurance policy (Policy Form GPNP99 or G2130-S) issued to youremployer by MetLife. Life and AD&D coverages under your employer’s plan terminates when your employment ceaseswhen your Life and AD&D contributions cease, or upon termination of the group insurance policy. Should your lifeinsurance coverage terminate for reasons other than non-payment of premium, you may convert it to a MetLife individualpermanent policy without providing medical evidence of insurability.This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of thecontract between MetLife and your employer. Specific details regarding these provisions can be found in the certificate. Ifyou have additional questions regarding the Life Insurance program underwritten by MetLife, please contact your benefitsadministrator or MetLife. Like most group life insurance policies, MetLife group policies contain exclusions, limitations,terms and conditions for keeping them in force. Please see your certificate for complete details.(1) Features may vary depending on jurisdiction.(2) Total disability or totally disabled means your inability to do your job and any other job for which you may be fit by education,training or experience, due to injury or sickness. Please note that this benefit is only available after you have participated in theBasic/Supplemental Term Life Plan for 1 year and it is only available to the employee.(3) Subject to state law, and/or group policyholder direction, the Total Control Account is provided for all Life and AD&D benefits of$5,000 or more. The TCA is not insured by the Federal Deposit Insurance Corporation or any government agency. The assetsbacking TCA are maintained in MetLife’s general account and are subject to MetLife’s creditors. MetLife bears the investment risk ofthe assets backing the TCA, and expects to earn income sufficient to pay interest to TCA Accountholders and to provide a profit onthe operation of the TCAs. Guarantees are subject to the financial strength and claims paying ability of MetLife.(4) WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc.is not affiliated with MetLife and the WillsCenter.com service is separate and apart from any insurance or service provided byMetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitablefor your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters.(5) The Seat Belt Benefit is payable if an insured person dies as a result of injuries sustained in an accident while driving or riding in aprivate passenger car and wearing a properly fastened seat belt _or a child restraint if the insured is a child_. In such case, his or herbenefit can be increased by 10 percent of the Full Amount — but not less than $1,000 or more than $25,000.

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Supplemental Term Life Metropolitan Life Insurance Company Plan Design for: Prestige PEO Holdings, LLCFor All Active Full-Time Employees Whose Worksite Elects Supplemental Life/AD&D working at least 20 hours per week Build Your Benefit With MetLife's Supplemental Term Life insurance, your employer gives you the opportunity to buy valuable life insurance coverage for yourself, your spouse and your dependent children -- all at affordable group rates. Employee Spouse & Child Spouse1 Child Life Coverage: provides a benefit in the event of death Schedules: Increments of $10,000 Increments of $5,000 Flat Amount: $1,000, $2,000, $4,000, $5,000, or $10,000 Non Medical Maximum $100,000 $25,000 $10,000 Overall Benefit Maximum The lesser of 5 times Your Basic Annual Earnings, or $500,000 $100,000 $10,000 AD&D Coverage: provides a benefit in the event of death or dismemberment resulting from a covered accident Schedules: Yes (benefit amount is same as Supplemental Term Life coverage) Yes (benefit amount is same as Supplemental Term Life coverage) Yes (benefit amount is same as Supplemental Term Life coverage) AD&D Maximum Maximum amount is same as Supplemental Term Life coverage Maximum amount is same as Supplemental Term Life coverage Maximum amount is same as Supplemental Term Life coverage Employee Contribution 100% 100% 100% Any purchase or increase in benefits, which does not take place within 31 days of employee’s or dependent's eligibility effective date is subject to evidence of insurability. Coverage is subject to the approval of MetLife. To request coverage: 1. Choose the amount of employee coverage that you want to buy.2. Look up the premium costs for your age group for the coverage amount you are selecting on the chart below.3. Choose the amount of coverage you want to buy for your spouse. Again, find the premium costs on the chart below.Note: Premiums are based on your age, not your spouse’s.4. Choose the amount of coverage you want to buy for your dependent children. The premium costs for each coverageoption are shown below.5. Fill in the enrollment form with the amounts of coverage you are selecting. (To request coverage over the non-medicalmaximum, please see your Human Resources representative for a medical questionnaire that you will need tocomplete.) Remember, you must purchase coverage for yourself in order to purchase coverage for your spouse orchildren.LI-GCERT-SUPP-OVER EOL Benefit Summary200 Park Ave., New York, NY 10166 © 2020 MetLife Services and Solutions, LLC L0320002511[All States]

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200 Park Ave., New York, NY 10166 © 2020 MetLife Services and Solutions, LLC L032000251[All States] LI-GCERT-SUPP-OVER EOL Benefit SummaryFeatures available with Supplemental Life Beneficiary Grief Counseling3: Your beneficiaries have access to personalized counseling sessions to meet your beneficiaries’ needs and help them cope with loss. Any beneficiary who receives the life insurance proceeds is eligible for up to 5 counseling sessions. These sessions can be in-person or by phone with one of LifeWorks’ network of counselors who provide professional, confidential support during difficult times. You can access these services by calling 1-888-319-7819 or log on to metlifegc.lifeworks.com (Username: metlifeassist; Password: support). Funeral Discounts and Planning Services4: As a MetLife group life policyholder, you and your family may have access to funeral discounts, planning and support to help honor a loved one’s life - at no additional cost to you. Dignity Memorial provides you and your loved ones access to discounts of up to 10% off of funeral, cremation and cemetery services through the largest network of funeral homes and cemeteries in the United States. When using the Dignity Memorial Network you have access to convenient planning services - either online at www.finalwishesplanning.com, by phone (1-866-853-0954), or by paper - to help make final wishes easier to manage. You also have access to assistance from compassionate funeral planning experts to help guide you and your family in making confident decisions when planning ahead as well as bereavement travel services - available 24 hours, 7 days a week, 365 days a year - to assist with time-sensitive travel arrangements to be with loved ones. Will Preparation5:Like life insurance, a carefully prepared Will is important. With a Will, you can define your most important decisions such as who will care for your children or inherit your property. By enrolling for Supplemental Term Life coverage, you will have in person access to MetLife Legal Plans' network of 14,000+ participating attorneys for preparing or updating a will, living will and power of attorney. When you enroll in this plan, you may take advantage of this benefit at no additional cost to you if you use a participating plan attorney. To obtain the legal plan's toll-free number and your company's group access number, contact your employer or your plan administrator for this information. MetLife Estate Resolution Services (ERS)4 :is a valuable service offered under the group policy. A MetLife Legal Plan attorney will consult with your beneficiaries by telephone or in person regarding the probate process for your estate. The attorney will also handle the probate of your estate for your executor or administrator.. This can help alleviate the financial and administrative burden upon your loved ones in their time of need. Portability6: If your present employment ends, you can choose to continue your current life benefits. What Is Not Covered? Like most insurance plans, this plan has exclusions. Supplemental and Dependent Life Insurance do not provide payment of benefits for death caused by suicide within the first two years (one year in North Dakota) of the effective date of the certificate, or payment of increased benefits for death caused by suicide within two years (one year in North Dakota or Colorado) of an increase in coverage. In addition, a reduction schedule may apply. Please see your benefits administrator or certificate for specific details. Accidental Death & Dismemberment insurance does not include payment for any loss which is caused by or contributed to by: physical or mental illness, diagnosis of or treatment of the illness; an infection, unless caused by an external wound accidentally sustained; suicide or attempted suicide; injuring oneself on purpose; the voluntary intake or use by any means of any drug, medication or sedative, unless taken as prescribed by a doctor or an over-the-counter drug taken as directed; voluntary intake of alcohol in combination with any drug, medication or sedative; war, whether declared or undeclared, or act of war, insurrection, rebellion or riot; committing or trying to commit a felony; any poison, fumes or gas, voluntarily taken, administered or absorbed; service in the armed forces of any country or international authority, except the United States National Guard; operating, learning to operate, or serving as a member of a crew of an aircraft; while in any aircraft for the purpose of descent from such aircraft while in flight (except for self preservation); or operating a vehicle or device while intoxicated as defined by the laws of the jurisdiction in which the accident occurs. Life and AD&D coverages are provided under a group insurance policy (Policy Form GPNP99 or G2130-S) issued to your employer by MetLife. Life and AD&D coverages under your employer’s plan terminates when your employment ceases, when your Life and AD&D contributions cease, or upon termination of the group insurance policy. Dependent Life coverage will terminate when a dependent no longer qualifies as a dependent. Should your life insurance coverage terminate for reasons other than non-payment of premium, you may convert it to a MetLife individual permanent policy without providing medical evidence of insurability. This summary provides an overview of your plan’s benefits. These benefits are subject to the terms and conditions of the contract between MetLife and your employer and are subject to each state’s laws and availability. Specific details regarding these provisions can be found in the certificate. If you have additional questions regarding the Life Insurance program underwritten by MetLife, please contact your benefits

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200 Park Ave., New York, NY 10166 © 2020 MetLife Services and Solutions, LLC L032000251][All States] LI-GCERT-SUPP-OVER EOL Benefit Summaryadministrator or MetLife. Like most group life insurance policies, MetLife group policies contain exclusions, limitations, terms and conditions for keeping them in force. Please see your certificate for complete details. 1. Spouse amount cannot exceed 50% of the employee’s Supplemental Life benefit.2. Child benefits for children under 6 months old are limited.3. Beneficiary Grief Counseling services are provided through an agreement with LifeWorks. US Inc. LifeWorks is not an affiliate of MetLife, and theservices LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000counselors. Counselors have master’s or doctoral degrees and are licensed professionals. This program is available only to beneficiaries of MetLifegroup Life Insurance programs. Events that may result in a loss are not covered under this program unless and until such loss has occurred.4. Services and discounts are provided through a member of the Dignity Memorial® Network, a brand name used to identify a network of licensedfuneral, cremation and cemetery providers that are affiliates of Service Corporation International (together with its affiliates, “SCI”), 1929 AllenParkway, Houston, Texas. The online planning site is provided by SCI Shared Resources, LLC. SCI is not affiliated with MetLife, and the servicesprovided by Dignity Memorial members are separate and apart from the insurance provided by MetLife. Not available in some states. Planningservices, expert assistance, and bereavement travel services are available to anyone regardless of affiliation with MetLife. Discounts throughDignity Memorial’s network of funeral providers are pre-negotiated. Not available where prohibited by law. If the group policy is issued in anapproved state, the discount is available for services held in any state except KY and NY, or where there is no Dignity Memorial presence (AK, MT,ND, SD, and WY). For MI and TN, the discount is available for “At Need” services only. Not approved in AK, FL, KY, MT, ND, NY and WA.5. Will Preparation and MetLife Estate Resolution Services are offered by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, legal servicesbenefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick,Rhode Island. Will Preparation and Estate Resolution Services are subject to regulatory approval and currently available in all states. For NewYork sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain otherlegal matters beyond Will Preparation. Please note that certain services are not covered by Estate Resolution Services, including matters in whichthere is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLifeand/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees,recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.6. Subject to state availability and the maturity age specified in the certificate.

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L0623032862[exp0625][All States] © 2023 MetLife Services and Solutions, LLCMetropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166How much will it cost?A. It may be less expensive than you think. MetLife’s group term life insurance plans are a cost-effective way for you to provide for your loved ones with competitive group rates and a wide range of coverage options to choose from. Exact rates can be found in your enrollment materials.How do I pay for my coverage?A. Premiums are conveniently paid through payroll deductions, so you don’t have to worry about writing a check or missing a payment.Frequently Asked QuestionsWhat is a beneficiary?A. The person you choose to receive the life insurance proceeds should something happen to you. It’s possible to have multiple beneficiaries and you can update them regularly should your circumstances or needs change.I already have basic life insurance through my employer, why do I need more?A. While having life insurance provided by your employer is a great benefit, it’s possible that it may not be enough to adequately provide for your loved ones. Additional life insurance can give them greater financial security if you are no longer here to earn a paycheck.How much life insurance do I need?A. Everyone is different, but it may be more than you have now. The insurance you need changes as your life changes — for example, getting married, starting a family, or buying a home may change the coverage you need. Many people are surprised to learn that they may not have enough life insurance to cover the many expenses their loved ones may face.How are claims paid?A. A claim needs to be filed with the life insurance company upon the death of the insured. A tax-free death benefit is paid in a single lump-sum to your chosen beneficiary or beneficiaries.5

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Your benefit in action:Why it pays to have long term disability insurance:Anita is diagnosed with an autoimmune disorder leaving her temporarily paralyzed. While she’s unable to work for eight months, her disability insurance pays a percentage of her income each month, allowing her to focus on her recovery without worrying about where her next paycheck would come from.This is a hypothetical example for illustrative purposes only. Individual experiences may vary based on your plan design, where you live and whether your plan requires a deductible or coinsurance. Please see your Plan Summary for details about your coverage.Consider this:How would you pay your bills if you couldn’t work? • Savings? More than 2 in 3 Americans would be worried about having enough emergency savings to cover a month’s worth of living expenses.3• Social Security Disability? Given its strict definitions of what qualifies as a disability, federal help may be unavailable. Approximately 67% of initial Social Security Disability Insurance claims are denied.4 • Workers’ compensation? Only if you were injured on the job.5If you experience a major injury or chronic illness, submitting a claim doesn’t have to be difficult. Here’s what to expect:Depending on your plan, you can submit your claim by phone, mail or visiting metlife.com/mybenefits. Plus, you can track the status of your claim online.Answer a few simple questions about what happened and upload your medical documentation to support your claim. Once we have everything, claims are typically processed within 10 business days. You only need one claim form per injury or illness and every claim is reviewed by a claims professional.Once your claim is approved, you’ll receive monthly or weekly payments depending on your plan. Use the funds however you like. Long term disability coverage from MetLife may paybetween 40–70% of your pre-disability income for anextended period. You will receive benefits for as long asyou remain disabled and unable to work, until retirement age. You can also earn financial incentives by participating in MetLife-approved rehabilitation programs. These programsare designed to help you recover financially and functionally.

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Product overviewLong Term Disability Insurance can help protect your income if you are unable to work due to a major injury, chronic condition, cancer or extended illness.You can also earn financial incentives by participating in MetLife-approved rehabilitation programs. These programs are designed to help you recover financially and functionally.WhyneededLong term disability insurance can help cover important ongoing obligations that could be a challenge to meet during a difficult time, such as:• Rehabilitation• Family care, such as childcare• Moving expenses• Mortgage or rent payments• Groceries• Car paymentsDiscover the advantages of having MetLife Long Term Disability Insurance.How much does long term disability insurance cost?A. Disability insurance can be more cost-effective than you may think. For example, a healthy male, age 35, may get a $1,000 monthly benefit for an initial premium of about $25 a month.7 Rates7 for your plan(s) can be found in your enrollment materials.Frequently Asked QuestionsWhy is having long term disability insurance so important?A. Having long term disability protection can help you cover your essential living expenses and help protect your savings since it replaces a portion of your income for an extended period of time if you are unable to work due to a covered accident or illness.What are the essential living expenses that I should be most concerned about?A. Consider any expenses you may incur in the running of your household – including car payments, mortgage or rent payments, groceries, childcare,6 tuition and more – that would still need to be paid in the event of a disability.How do disability payments work?A. Payment will be made directly to you — not your employer, hospital, doctor or insurance company. The payment amount will depend on plan. Please see your Plan Summary for more information.

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How do I pay for my long term disability insurance?A. Premiums will be conveniently paid through payroll deductions, so you don’t haveto worry about writing a check or missing a payment.Frequently Asked Questions (continued)What happens when I want to file a claim?A. MetLife offers various ways to submit your claim based on your plan, including online,mail and phone options. Plus, you can track the status of your claim online.As one of the nation’s leading providers of disability benefits,8 you can count onMetLife to provide you with caring, compassionate and accurate claims service if, and when,you experience a disability.What if I choose not to have long term disability insurance?A. Enrolling in a plan is not mandatory, but it is a good idea and a cost-effective way to helpprotect your income. Without long term disability insurance, you may need to use your savingsor tap into other assets to cover your essential living expenses while you recover from adisabling accident or illness.When can I enroll?A. It is best to enroll during your open enrollment period when medical exams may not berequired and health questions may not be asked. The sooner you enroll, the sooner you willenjoy the added financial protection that disability coverage provides.Enroll in Long Term Disability Insurance during annual enrollment.L0623033130[exp0625][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC.Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 101661. Social Security Administration, https://www.ssa.gov/pubs/EN-05-10029.pdf. August 2022.2. Council for Disability Awareness. Chances of Disability: Me, Disabled? http://www.disabilitycanhappen.org/common-causes/. Accessed May 2023. 3. Bankrate's 2023 annual emergency savings report, https://www.bankrate.com/banking/savings/emergency-savings-report/. February 2023.4. Social Security Administration Annual Statistical Report on the Social Security Disability Insurance Program, 2021, https://www.ssa.gov/policy/docs/statcomps/di_asr/2021/di_asr21.pdf. October 2022. 5. Social Security Administration. How Workers’ Compensation and Other Disability Payments May Affect Your Benefits. https://www.ssa.gov/pubs/EN-05-10018.pdf. December 2021.6. For eligible family members, if you participate in a MetLife-approved Rehabilitation Program.7. Actual rates will vary based on factors including the applicant’s age, health, occupation and state of residence as well as the amount of coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.8. LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2022. Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for details.ADF# DI2860.22Please see your Plan Summary for more information.

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Help protect your incomeand lifestyle with Short TermDisability Insurance.Short Term Disability Insurance:why is it so important?Your ability to earn an income is indeed one of your most valuable assets. Just over 1 in 4 of today’s 20-year-olds will likely become disabled before reaching age 67.1 That’s why financial experts recommend short term disability insurance as part of a sound financial plan at any stage of life.2 Short Term Disability Insurance (STD)can help you cover your essential living expenses and help protect your savings if you are unable to work due to an illness or injury, including pregnancy. If you have a family, they most likely rely on you to help keep the household running. If you are single, and don’t prepare ahead to cover your expenses, you may need to use your savings, sell your property, or borrow money from friends or family to meet your ongoing financial obligations while you recover.STD may help replace a portion of your income during the initial weeks of a disability, generally between 13 and 26 weeks. Coverage is easily accessible, and payments are made weekly, directly to you. You can use the money for whatever you like, from groceries and gas to your mortgage or rent.Why should I enroll? • Improve your financial security.• Our application is simple andstraightforward and the benefitsmay be significant. There’sno better time to secureyour coverage.For questions, please call MetLife at1 800 GET-MET8(1 800 438-6388)Coverage that can help protect your income when you are unable to work.Special considerations: If you work in a state with state-mandated disability or paid medical leave benefits (“State Benefits”), you should carefully consider whether to enroll for Short Term Disability (STD) coverage. In CA, CT, HI, MA, NJ, NY, PR, RI, WA, OR (starting 9/3/23), and CO (starting 1/1/24), if eligible, you must apply for State Benefits. Your STD benefit will be reduced by State Benefits or other government benefits that apply. Depending on your compensation, the amount of the State Benefit, and other factors, you may only receive the minimum weekly benefit. Please consider, based on your individual circumstances, whether you need additional coverage beyond the State Benefit.Short Term Disability Insurance

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How do I pay for my disability insurance?A. Premiums will be conveniently paid through payroll deductions, so you don’t have to worry about writing a check or missing a payment.Frequently Asked Questions (continued)What happens when I want to file a claim?A. MetLife offers various ways to submit your claim based on your plan, including online, mail and phone options. Plus, you can track the status of your claim online. As one of the nation’s leading providers of disability benefits,8 you can count on MetLife to provide you with caring, compassionate and accurate claims service if you experience a disability.What if I choose not to have short term disability insurance?A. Enrolling in a plan is not mandatory, but it is a good idea and a cost-effective way to help protect your income. Without short term disability insurance, you may need to use your savings or tap into other assets to cover your essential living expenses whileyou recover from a disabling accident or illness.When can I enroll?A. It is best to enroll during your open enrollment period when medical exams may not be required and health questions may not be asked. The sooner you enroll, the sooner you will enjoy the added financial protection that disability coverage provides.L0623032940[exp0625][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLC.Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 101661. Social Security Fact Sheet, https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf. Accessed May 2023 2. CNBC, “Here’s the type of insurance you’ll need at each stage of life, experts say,” https://www.cnbc.com/2022/04/18/heres-the-insurance-advisors-say-youll-need-at-each-stage-of-life.html, April 2022.3. Council for Disability Awareness, “Disability Statistics,” http://disabilitycanhappen.org/disability-statistic/, September 2021.4. MetLife's 21st Annual U.S. Employee Benefit Trends Study 20235. Social Security Administration, “Disability Benefits,” https://www.ssa.gov/pubs/EN-05-10029.pdf, August 2022.6. Social Security Administration. How Workers’ Compensation and Other Disability Payments May Affect Your Benefits. https://www.ssa.gov/pubs/EN-05-10018.pdf. December 2021. 7. Actual rates will vary based on factors including the applicant’s age, health, occupation and state of residence as well as the amount of coverage, maximum benefit period, waiting period and carrier issuing the coverage. Initial rates may increase.8. LIMRA, U.S. Workplace Disability Insurance Sales and In Force Survey, Second Quarter 2022.Like most group disability insurance policies, MetLife policies contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Contact your plan administrator for details.Enroll in Short Term Disability Insurance during annual enrollment.Please see your Plan Summary for more information.

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Life Insurance Confidential Assistance available 24 hours a day, 7 days a week Personalized counseling sessions to meet your beneficiary’s needs. Your beneficiary is eligible for up to 5 counseling sessions.* Sessions can be in-person or by phone with one of LifeWorks’ network of counselors who provide professional, confidential support during difficult times. Self-service resources your beneficiaries can access at anytime Rest assured knowing your beneficiaries will be able to get the level of support they need at their own pace. Self-help resources are available to help beneficiaries through the grieving process. Online information available includes: • Dealing with grief • What to do after the death of a loved one • Coping with painful anniversaries MetLife AdvantagesSM Grief Counseling support for your beneficiaries The loss of a loved one can be hard to deal with. That’s why Beneficiary Grief Counseling services help by providing comfort, encouragement, and hope to your beneficiaries. This service is included at no additional cost with your life insurance coverage. We have partnered with LifeWorks, US Inc. to provide your beneficiaries with support from licensed professional counselors to help during this difficult time of need.1 To speak with a LifeWorks Counselor Call 866-307-1405 Visit metlifebene.lifeworks.com User Name: metlifebene Password: support 1. Beneficiary Grief Counseling services are provided by a third party, LifeWorks US Inc., under an agreement with MetLife. 2. [WillsCenter.com is a document service provided by SmartLegalForms, Inc., an affiliate of Epoq Group, Ltd. SmartLegalForms, Inc. and is not affiliated with MetLife. The WillsCenter.com service is separate and apart from any insurance or service provided by MetLife. The WillsCenter.com service does not provide access to an attorney, does not provide legal advice, and may not be suitable for your specific needs. Please consult with your financial, legal, and tax advisors for advice with respect to such matters. WillsCenter.com is available to anyone regardless of affiliation with MetLife.] 3. [Included with Supplemental Life Insurance. ]Will Preparation is offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. For New York sitused cases, the Will Preparation service is an expanded offering that includes office consultations and telephone advice for certain other legal matters beyond Will Preparation. Tax Planning and preparation of Living Trusts are not covered by the Will Preparation Service. 4. [Included with Supplemental Life Insurance.]MetLife Estate Resolution Services are offered by Hyatt Legal Plans, Inc., a MetLife company, Cleveland, Ohio. In certain states, legal services benefits are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and Affiliates, Warwick, Rhode Island. Certain services are not covered by Estate Resolution Services, including matters in which there is a conflict of interest between the executor and any beneficiary or heir and the estate; any disputes with the group policyholder, MetLife and/or any of its affiliates; any disputes involving statutory benefits; will contests or litigation outside probate court; appeals; court costs, filing fees, recording fees, transcripts, witness fees, expenses to a third party, judgments or fines; and frivolous or unethical matters.] 5. [MetLife Infinity is offered by MetLife Consumer Services, Inc., an affiliate of Metropolitan Life Insurance Company. MetLife Infinity is available to anyone regardless of affiliation with MetLife.] * Coverage includes up to five face-to-face or telephone sessions per event. Beneficiary Grief Counseling services are provided through an agreement with LifeWorks. US Inc. LifeWorks is not an affiliate of MetLife, and the services LifeWorks provides are separate and apart from the insurance provided by MetLife. LifeWorks has a nationwide network of over 30,000 counselors. Counselors have master’s or doctoral degrees and are licensed professionals. This program is available only to beneficiaries of MetLife group Life Insurance programs. Events that may result in a loss are not covered under this program unless and until such loss has occurred. Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0319513345[exp0321][All States][DC,GU,MP,PR,VI] © 2019 MetLife Services and Solutions, LLC [Complimentary services that may also may be included with your life insurance coverage:] • [Will Preparation 2,3:Prepare a binding will at any time] • [Estate resolution Services4: Settle an estate with confidence] • [Digital Storage5: Create and share a digital legacy®

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Please be sure to review all of the features of your coverage. 1 Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase thechance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.2 Dividends are not guaranteed. The certificate is eligible to receive dividends beginning on the second anniversary. Group Whole Life Insurance at a GlanceOur group whole life insurance provides smart, convenient protection that also helps you achieve your financial goals.CONSIDER THE ADVANTAGES:MassMutual@work Group Whole Life Insurance provides coverage at a set premium, builds cash value over time you can borrow from1 and pays a death benefit to your loved ones. Group Whole Life Insurance may be easier and more affordable than you think.Provides guarantees:• Guaranteed death benefit• Guaranteed level premiums• Guaranteed cash-value accumulationDividend eligible2 MassMutual@work whole life certificate owners are eligible to receive dividends. During enrollment, you’ll have the opportunity to select the dividend option that fits you best. Options include: • Cash• Dividend accumulations• Paid-up additional insuranceRead more about these dividend options when you enroll. While dividends are not guaranteed, MassMutual® has paid them to eligible participating policyowners every year since1869.Portable, lifelong coverageYou own the certificate along with the accumulated cash values and you can take it with you even if you leave the company. Additionally, if you leave the company and take your certificate with you, you can change your dividend option and choose to have your dividend payments reduce your premiums.Tax advantagesWhole life insurance policies offer a combination of valuable tax advantages, including: • Generally income-tax-free death benefit• Tax-deferred cash-value growthAccelerated Death Benefit ProvisionsAs the certificate owner, you can receive an advance, or acceleration, of a portion of the death benefit under the certificate, if the insured is diagnosed with a terminal illness or if the insured has a chronic illness.• Terminal Illness: The Accelerated DeathBenefit for Terminal Illness is payablewhen the insured meets the definition ofTerminally Ill, generally diagnosed withan illness that will result in death within12 months (24 months in some states.)• Chronic Illness: The Accelerated DeathBenefit for Chronic Care is payable when theinsured meets the definition of Chronically Ill, generally having a permanent loss oftwo activities of daily living, or requiringsubstantial supervision due to permanentsevere cognitive impairment.These benefits are not long term care insurance and may be used for any purpose. In many cases, these benefits allow access to more funds than would be available through a certificate loan or certificate cash surrender value. There is a fee taken from the Chronic Care Benefit. Consult with your tax advisor regarding a request for accelerated benefits.

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Pet InsuranceQ. What is Pet Insurance?A. Similar to health insurance for you and your family, Pet Insurance is coverage for dogs and cats that can help you be prepared for unexpected vet costs. With MetLife Pet Insurance,1you may be able to receive reimbursement up to 100%4of covered veterinary care expenses.Q. Can I still use my vet?A. Yes, you can visit any licensed veterinarian or emergency clinic in the U.S., and you and your vet of choice can determine the best treatment plan and medical course of action for your pet. Q. What does it not cover?A. Pre-existing conditions may not be covered — to learn more about what’s not covered, visit metlifepetinsurance.com/coverage-exclusions. Q. When does coverage start?A. MetLife Pet Insurance1provides among the shortest wait periods for accident and illness coverage.8Accident coverage and optional Preventive Care coverage begin on the effective date of your policy. Illness coverage begins 14 days later.Frequently Asked Questions1. Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.2. American Pet Products Association (APPA) State of the Industry as presented on 3/24/21 (https://www.americanpetproducts.org/press_industrytrends.asp).3. According to the 2019–2020 National Pet Owners Survey conducted by the APPA.4. Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% option for IAIC underwritten policies only.5. This is an example and is for illustrative purposes only. This is not representative of any particular pet parents' situation.6. Can be purchased at an additional cost. For IAIC underwritten policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen underwritten policies, optional Preventive Care coverage is included in the annual limit.7. May not be available in all states.8. Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors, based on a January 2022 review of publicly available summary information about competitors' offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.9. For IAIC underwritten policies only, premium will also be based upon the pet’s gender.10. This discount is not available in MN or TN. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife to offer pet insurance to its population. (For IAIC underwritten policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51−999 lives. For MetGen underwritten policies, this discount is 10% for Employer Groups of all sizes and 5% for Associations of all sizes).11. Your pet’s deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.12. 2021 internal survey conducted by OnePoll in partnership with MetLife Pet Insurance.13. Annual limit options range from $1,000−$25,000 in $1,000 increments. In addition, there is also a $500 annual limit option for MetGen underwritten policies. Unlimited benefit option subject to availability. 14. Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.15. Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC. Q. How much will it cost?A. Each pet’s premium will be unique based on the age, breed, location, as well as what coverage amount you select.9Group discounts are available,10and if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.11Q. How does the MetLife Pet mobile app work?A. With our MetLife pet mobile app, you can manage your Pet Insurance account from anywhere.Plus, we make it easy to:• Submit and track claims• Manage your pet’s health records• Talk to an expert with 24/7 Telehealth Concierge Services• Find nearby pet servicesHave other questions?Please call MetLife directly at 1-800-GET-MET81-800-438-6388 and speak with a licensed agent. Watch this video to see the benefits of Pet Insurance.L0822024732exp0824All StatesDC© 2022 MetLife Services and Solutions, LLC, New York, NY 10166 — All Rights Reserved.To enroll in these benefits, visit www.metlife.com/getpetquote or call 1-800-GET-MET8.

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Health Care Flexible Spending Account (FSA)Save money on health care expenses for you and your family.A Health Care Flexible Spending Account (FSA) saves you up to hundreds of dollars by allowing you to use pre-tax dollars to pay for qualied health care expenses for you, your spouse and your dependents. 9 Fund Your Account - You decide how much to contribute duringenrollment, then funds are deducted pre-tax from your paychecks. 9Use Your Account for Eligible Expenses - There are thousands ofeligible expenses for your FSA funds, including doctor office copays, health insurance deductibles and coinsurance, prescriptions, and some over-the-counter treatments for you, your spouse, or eligible dependents. For a longer list of eligible items, visit connectyourcare.com. 9Pay with Your Payment Card - You will receive a payment card to pay foreligible health care expenses. Be sure to always save documentation for your purchases. 9Connect Online and on the Mobile App - When you do not use yourcard, you can quickly and easily submit payment requests online or on our mobile app. Check your account balance and payments online or on your mobile device. 9We’re Here to Help - If you ever have a question, we are here to help you24 hours a day, seven days a week.Your FSA includes numerous benets:• Tax savings for health careexpenses• Health care payment card• Quick and easy payments• Online and mobile account access• 24/7 customer serviceEasy to Use, Simple to Save© 2021 Optum, Inc. All Rights Reserved.How do HSAs and FSAs work together?IRS regulations limit how health care accounts can be paired. If you have a Health Savings Account (HSA), you cannot also have a Health Care FSA that covers medical expenses. However, you may have a Limited Purpose FSA that only covers dental and vision expenses. The IRS Limit for 2024 is $3,200.Up to $640 in unused funds in 2024 may be rolled over to 2025.

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There are thousands of eligible expenses for tax-free purchase with your account funds, including prescriptions, doctor’s office copays, health insurance deductibles, and coinsurance. Many over-the-counter (OTC) treatments are also eligible.AcupunctureAlcoholism treatmentAmbulanceArticial limbBirth control pillsBlood pressure monitoring deviceBreast pumps and related suppliesConcierge service fees (billed for future services; no treatment provided)Cosmetics and cosmetic surgeryDeodorantDietary and weight loss supplementsFiber supplementsOrthopedic shoes and insertsChiropractic careContact lenses and related materialsDental treatmentDenturesDiagnostic servicesDrug addiction treatmentEye examination, eye glasses, and reading glassesFamily planning itemsFertility treatmentFlu shotHearing aidsHospital servicesImmunizationInsulin and diabetic suppliesLaboratory feesLaser eye surgeryMedical testing devicesMenstrual care productsNursing servicesObstetrical expensesOrthodontia (not for cosmetic reasons)Over-the-counter (OTC) treatments containing medicine–cold treatments, ointments, pain relievers, stomach remedies, etc.Over-the-counter (OTC) treatments without medicine–bandages, wraps, medical testing devices, etc.OxygenPhysical examPhysical therapyPrescription drugsPsychiatric careSmoking cessation program and medicationsSurgerySunscreen & sun block (SPF 15+, broad spectrum)Transportation for medical careWeight loss program necessary to treat a specic medical conditionWheelchair, walkers, crutches, and canesExercise equipmentFitness programsFuneral expensesHair transplantsHousehold helpIllegal operations and treatmentsMaternity clothesTeeth whiteningThese items are not generally eligible for tax-free purchase with your account funds.Items that can be used for a medical purpose or for general health and well-being are considered “dual purpose” and are eligible only with a prescription, doctor’s directive or letter of medical necessity. Examples include:Snoring cessation aidsVitamins and herbal supplements(FLEXIBLE SPENDING ACCOUNT)For more information visit optum/financial.comThis material is for informational purposes only and is not an offer of coverage. Optum Financial does not provide tax or legal advice. This information is not intended and should not be taken as tax or legal advice. Any tax or legal information in this notice is merely a summary of Optum Financial's understanding and interpretation of some of the current tax regulations and is not exhaustive, nor is it a representation of actual savings to be had by your plan specifically. You should consult your tax advisor or legal counsel for advice and information concerning your particular situation before making any decisions. © 2021 Optum, Inc. All Rights Reserved.DUAL PURPOSE ITEMSELIGIBLE EXPENSE EXAMPLESINELIGIBLE EXPENSE EXAMPLES

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Dependent Care Flexible Spending Account Don’t pay full price for child care - get the tax-free rate. For many people, the cost of day care, nursery school, or supervision for an aging parent is a significant monthly expense. A Dependent Care Flexible Spending Account (Dependent Care FSA), also called a Dependent Care Assistance Program (DCAP), allows you to save money by paying for these expenses with pre-tax funds. 9 Fund Your Account - You decide how much to contribute duringenrollment, then funds are deducted pre-tax from your paychecks. 9Use Your Account for Eligible Expenses - Your account funds coverthe cost of care for qualifying dependents – children, a disabled spouse, or legally dependent parents – while you are at work. For example, summer camp, nursery school, and care provided by a private sitter care while you work are all eligible expenses. Be sure to always save documentation for your expenses. For a longer list of eligible items, see connectyourcare.com. 9Connect Online and on the Mobile App - Quickly and easily submitpayment requests, check your account balance, and review your payments online or on our mobile app. 9We’re Here to Help - If you ever have a question, we are here to helpyou 24 hours a day, seven days a week.How do Dependent Care FSAs work with other tax-advantaged accounts?Since a Dependent Care FSA covers different expenses than a Health Care FSA and a Health Savings Account (HSA), which cover medical expenses, there are no regulations limiting a person from having a medical account alongside a Dependent Care FSA.Your Dependent Care FSA includes numerous benets:• Tax savings on child and elder careexpenses while you work• Quick and easy payments• Online and mobile account access• 24/7 customer serviceEasy to Use, Simple to Save© 2021 Optum, Inc. All rights reserved.The IRS maximum is $5,000 per household for the year 2024.

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Who can open an HSA?To be an eligible individual and qualify for an HSA, you must have a high-deductible health plan (HDHP) that meets IRS guidelines for the annual deductible and out-of-pocket maximum.In addition, you must:• Be covered under a qualifying HDHP on the ﬁrst day of a given month.• Not be covered by any other health coverage except what is permitted(dental, vision, disability and some other types of additional coverageare permissible).• Not be enrolled in Medicare, TRICARE or TRICARE for Life.• Have not received Department of Veterans Affairs (VA) beneﬁts within thepast three months, except for preventive care. If you are a veteran with adisability rating from the VA, this exclusion does not apply.• Not be claimed as a dependent on someone else’s tax return.• Not have a health care ﬂexible spending account (FSA) or healthreimbursement account (HRA). Alternative plan designs, such as a limited-purpose FSA or HRA, might be permitted.Other restrictions and exceptions also apply. Consult a tax, legal or ﬁnancial advisor to discuss your personal circumstances.Open your accountCheck with your employer or beneﬁts specialist to learn about your company’s application process. You may be able to sign up through your employer or enroll at optumbank.com or through myuhc.com®. You cannot use your HSA to pay for medical expenses you had before you opened your account — so be sure to open your HSA as soon as you are eligible.And be sure to save your receipts! For a full list of qualiﬁed medical expenses, visit optumbank.com/qualiﬁedexpenses.Have questions?Visit optumbank.com or download the mobile app.Intro to HSAsHealth savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.© 2018 Optum, Inc. All rights reserved. WF272686 67550B-062018Contributions add up quickly.When Marcus started his new job, he decided to open an HSA and contribute $100 per month. Because he hasn’t had many medical expenses, he decided not to touch the balance during his ﬁrst year. Here’s how his contributions added up:Monthly contribution: $100Annual contribution: $1,200Annual income tax savings1: $4521 25% federal | 5% state | 7.65% FICAUse the HSA Calculator on optumbank.com to help determine your contributions and see how much you can save on taxes.Open your HSA today.Enjoy an easier way to manage your health savings account. You can pay bills, view transactions, upload receipts and more! Download today on your Apple or Android device. The Optum Bank App is here!

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HSAs and Medicarebeneﬁts or are diagnosed with amyotrophic lateral sclerosis (ALS, or Lou Gehrig’s disease). Otherwise, you must sign up to receive coverage through Medicare.For more information on Medicare enrollment, please refer to Medicare & You (available online) or call the Social Security Administration customer service center at 1-800-772-1213. 4. If my spouse and I are enrolled on my employer’sHSA-qualiﬁed plan and I enroll in Medicare, can heopen an HSA?Yes, if your spouse is otherwise HSA-eligible. Individuals don’t have tobe the medical plan subscriber to be HSA-eligible. You or your spousecan then make tax-deductible contributions into his HSA, up to thefamily maximum if you remain covered on a family contract (even ifonly your spouse is HSA-eligible). For some couples, this provision inthe law allows them to continue to contribute to an HSA (and buildincome tax-free balances for distribution in retirement) for severalyears after the older spouse enrolls in Medicare.5. If I’m not HSA-eligible, can I enroll in my employer’s HSA-qualiﬁed plan?Yes. HSA eligibility refers to your ability to open and contribute toan HSA, not whether or not you can enroll in a medical plan. Aslong as you meet your employer’s and the medical insurer’s eligibilityrequirements, you can enroll in an HSA qualifying medical plan. Ifyou’re not HSA-eligible, though, you can’t open and contribute toan HSA. Your employer may offer a health ﬂexible spending account(FSA) or health reimbursement arrangement (HRA) through whichyou can reimburse eligible expenses income tax-free.Medicare and HSA contributions6. Can I continue to contribute to my HSA once I’m enrolled inMedicare?No. You lose HSA eligibility once you enroll in Medicare, so you can’tmake additional contributions. You can contribute for months thatyou were eligible before you enrolled in Medicare. For example, ifyour 65th birthday is May 6 and you enroll in Medicare immediately,your effective date of Medicare coverage is May 1. You can makecontributions for the months of January, February, March and Aprilat any point up to the date that you ﬁle your personal income taxreturns for that year, even though you may not be HSA-eligible at thetime that you make your retroactive contribution for those months.7. Can I contribute to my spouse’s HSA if I’m enrolled inMedicare and no longer HSA-eligible?Yes, if your spouse is HSA-eligible and has an HSA, you — or anyoneelse — can contribute to her HSA. Your enrollment in Medicaredoesn’t disqualify her from contributing to (or accepting contributionfrom others into) her HSA. You can contribute personal funds, eitherthrough post-tax payroll (you can set up a payroll deduction to sendmoney directly to your spouse’s HSA) or with personal funds. Yourspouse then deducts these contributions on her (or if you’re ﬁlingjointly, your joint) personal income tax return.Medicare and HSA distributions8. I’m no longer HSA-eligible. Can I make income tax-freedistributions for qualiﬁed medical expenses?Yes. HSA eligibility relates to your ability to make contributions. Onceyou open an HSA, you can make income tax-free distributions forqualiﬁed medical expenses for the rest of your life, as long as you stillhave a balance in your account.9. Which expenses can I reimburse from my HSA once I’menrolled in Medicare?You can still reimburse, income tax-free, all qualiﬁed medical out-of-pocket expenses not reimbursed by other insurance or other sources,including:• Medical plan deductibles• Copay and coinsurance• Dental and vision expenses• Insulin and diabetic supplies• Over-the-counter drugs and medicine with a prescriptionIn addition, you can reimburse certain insurance premiums, including premiums for: • Medicare Parts B and D• Medicare Part C (Medicare Advantage — plans offered byprivate insurers that replace Medicare coverage)• Some Medicare supplement plans10. Whose qualiﬁed medical expenses can I reimburse incometax-free from my HSA?You can reimburse your own, your spouse’s and any tax dependents’(such as an adult disabled child’s) expenses income tax-free fromyour HSA. These other family members don’t need to be HSA-eligiblethemselves or covered on your medical plan for you to make incometax-free distributions from your HSA to reimburse their qualiﬁedmedical expenses tax-free. Note: You can’t reimburse your own oroptumbank.com 2

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anyone else’s Medicare premiums income tax-free until you, the account owner, turn age 65. If you have an older spouse and want to reimburse their Medicare premiums income tax-free, they must open an HSA before they enroll in Medicare and contribute at least the $1,000 annual catch-up contribution. They can use this to cover their Medicare premiums until you turn age 65 and can reimburse their premiums income tax-free from your HSA. In addition, when both of you are HSA-eligible and covered on a family HSA-qualifying or compatible medical plan, you can split the family maximum contribution between your two HSAs as you wish.11. My spouse and I both have an HSA. Do we have to limitdistributions from each HSA to our own expenses?No. You can reimburse each other’s expenses from your respectiveHSAs as long as you remain married. You can’t combine accounts,but you may choose to reimburse both your and your spouse’sexpenses from one HSA to exhaust the balance in that account.Then, you have to manage (and perhaps pay monthly administration/maintenance fees) on only one account without losing the ability toreimburse an expense that either of you incurs (as long as youremain married).12. Can I make income tax-free distributions from my HSA fornon-qualiﬁed medical expenses when I turn age 65?No. Distributions for non-eligible expenses are always included inyour taxable income, putting these withdrawals on par with taxeson distributions from a traditional 401(k) or traditional IRA. Onceyou turn 65 or meet Social Security’s deﬁnition of disabled, youcan make distributions for items that aren’t HSA-qualiﬁed withoutincurring the 20 percent additional tax (penalty) otherwise assessedto non-qualiﬁed medical expenses.13. If I pass away ﬁrst, can my HSA continue to reimburse myspouse’s qualiﬁed medical expenses income tax-free?You name a beneﬁciary when you enroll in your HSA, and you canchange the designation at any time. If you name your spouse asbeneﬁciary (the most common situation), upon your death yourHSA passes to your spouse with balances and tax advantages intact.Your spouse can then reimburse their own eligible expenses incometax-free. In addition, if your spouse remarries, they can reimbursetheir new spouse’s qualiﬁed medical expenses income tax-free. Ifyou name any other person or entity as the beneﬁciary, the HSA isliquidated and the assets pass to that person or entity, who may incura tax liability. That beneﬁciary doesn’t enjoy the tax beneﬁts and isn’tconstrained by the rules of an HSA.Delaying enrollment in Medicare when ﬁrst eligible to enroll14. Do I face a penalty if I defer Medicare enrollment when I’mﬁrst eligible (65th birthday for most individuals)?Possibly. Here are the potential tax consequences if you delayenrolling in Medicare around your 65th birthday when you’re entitledto an Initial Enrollment Period:• Part A (inpatient and home health care): If you (or your spouse)worked 40 employment quarters with income above the Medicarethreshold, you receive Part A premium-free. You face no penaltiesfor delaying enrollment past your Initial Enrollment Period.• Part B (physician and outpatient services): If you don’t enroll duringthe Initial Enrollment Period, you must maintain group coveragefrom your 65th birthday until you do enroll in Part B. For every12 months past your 65th birthday that you don’t maintain groupcoverage, you pay a 10 percent surcharge on your monthly Part Bpremium for the rest of your life. In addition, you may face a gap incoverage when you do want to enroll, since you’ll have to wait untilthe next General Enrollment Period to enroll in beneﬁts effectivethe following July 1.• Part D (prescription drug coverage): If you don’t enroll during theInitial Enrollment Period, you must maintain group or nongroupcoverage that offers prescription drug beneﬁts at least as rich asPart D. If you don’t, you’re assessed a permanent surcharge of 1percent of the national base beneﬁciary premium for every monthsince your 65th birthday that your coverage isn’t what’s calledMedicare Creditable Coverage (MCC). In addition, you may face agap in coverage when you want to enroll. You’ll have to wait for thenext General Enrollment Period to enroll in beneﬁts.15. Given the penalty, should I just enroll in Parts B and Dwhen I’m ﬁrst eligible and stop contributing to my HSA?That’s a personal decision that you should discuss with your ﬁnancialadvisor. While your initial reaction might be to avoid penalties atall costs, note that (1) the penalties aren’t a punishment for doingsomething illegal or immoral and (2) you may be better off ﬁnanciallyby remaining in your HSA program, building HSA balances to coverfuture expenses, enjoying tax savings and later facing penalties.optumbank.comHSAs and Medicare3

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Key considerations:• What’s the difference in current cost among (1) remainingcovered on my employer’s plan without enrolling in Medicare,(2) enrolling in Medicare only or (3) enrolling in bothprograms?• What’s the difference in beneﬁts covered and ﬁnancialresponsibility between enrolling in either program or bothprograms?• What tax advantages do I give up if I’m no longer HSA-eligible? Remember, you won’t be able to reduce your taxableincome through HSA contributions if you enroll in Medicare.• What will be the ﬁnancial consequences of my penalties?Remember, since the penalties represent additionalpremiums, they’re eligible for income tax-free reimbursementfrom your HSA.• Will I ever enroll in Parts B and D and face those penalties, orwill I choose coverage (such as a Medicare Advantage plan)that doesn’t require enrolling in coverage and payingpremiums subject to penalties?HSAs and Medicareoptumbank.com11000 Optum Circle, Eden Prairie, MN 55344Health savings accounts (HSAs) are individual accounts offered or administered by Optum Bank®, Member FDIC, and are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change.© 2020 Optum Bank, Inc. All rights reserved. WF1038951 74216C-042020 OHCPlease note that this discussion is for informational purposes only and is based on current regulations. It doesn’t represent, and shouldn’t be construed as a substitute for professional advice. Please consult your personal legal, ﬁnancial or tax counsel to discuss your personal situation and refer to IRS Publications 969 and 502.To learn more, visit optumbank.com.

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YYYour enrollment is almost here — giving you the chance to choose the products and services that best meet your ﬁnancial needs. Health insurance pays doctors and hospitals. Aﬂac helps pay the bills health insurance doesn’t cover.AGC2300823 EXP 7/24Aflac can help protect your future…starting today!Enroll via the PrestigePRO Benefits Portal during this Open Enrollment period.The following insurance plans are available: Group Accident Insurance helps pay costs that arise from covered accidents such as fractures, dislocations and lacerations. Two plan options are available - High and Mid.Group Critical Illness Insurance helps pay the expected and unexpected expenses that arise from diagnosis of a covered critical illness such as cancer (internal or invasive), heart attack, stroke, end-stage renal failure or a major organ transplant. This plan includes a $50 Health Screening Beneﬁt for the covered employee, spouse and child(ren), payable once per calendar year per insured.Group Hospital Indemnity Insurance helps pay the costs associated with a covered hospital stay, including beneﬁts for hospital conﬁnement, hospital admission, hospital intensive care, and intermediate intensive care unit step-down unit. Two plan options are available - Mid and Low.Short-Term Disability Insurance helps protect your income in the event that you are unable to work. Two plan options are available: - 6-month beneﬁt duration period / 7/7 day elimination period- 6-month beneﬁt duration period / 14/14 day elimination periodThis is a brief product overview only. The plans have limitations and exclusions that may affect benefits payable. Refer to the plans for complete details, limitations, and exclusions. Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage.

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AFLAC GROUP CRITICAL ILLNESSThe plan has limitations and exclusions that may aect benets payable. This brochure is for illustrative purposes only. Refer to your certicate for complete details, denitions, limitations, and exclusions. For more information, call 866-885-6468.Aﬂac can help ease the ﬁnancial stress of surviving a critical illness.Chances are you may know someone who’s been diagnosed with a critical illness. You can’t help notice the difference in the person’s life—both physically and emotionally. What’s not so obvious is the impact a critical illness may have on someone’s personal ﬁnances.That’s because while a major medical plan may pay for a good portion of the costs associated with a critical illness, there are a lot of expenses that may not be covered. And, during recovery, having to worry about out-of-pocket expenses is the last thing anyone needs. That’s the beneﬁt of an Aﬂac Group Critical Illness plan.It can help with the treatment costs of covered critical illnesses, such as a heart attack or stroke.More importantly, the plan helps you focus on recuperation instead of the distraction of out-of-pocket costs. With the Critical Illness plan, you receive cash beneﬁts directly (unless otherwise assigned)—giving you the ﬂexibility to help pay bills related to treatment or to help with everyday living expenses. But it doesn’t stop there. Having group critical illness insurance from Aﬂac means that you may have added ﬁnancial resources to help with medical costs or ongoing living expenses.Features:• Beneﬁts are paid directly to you, unless otherwise assigned.• Coverage is available for you, your spouse, and dependent children.• Coverage may be continued (with certain stipulations). That means you can take it with you if you changejobs or retire.How It Works: Aﬂac Group Critical Illness coverage is selected.Aﬂac Group Critical Illness pays an Initial Diagnosis Beneﬁt of:$30,000You experience chest pains and numbness in the left arm.You visit the emergency room.A physician determines that you have suffered a heart attack.Amount payable based on $30,000 Initial Diagnosis Beneﬁt.

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Aﬂac can help you protect one of your most important assets. Your income.All too often when we hear the words disability and insurance together, it conjures up an image of a catastrophic condition that has left an individual in an incapacitated state. Be it an accident or a sickness, that’s the stereotype of a disabling injury that most of us have come to expect.What most of us don’t realize is that in addition to accidental injuries, conditions such as arthritis, heart disease, diabetes, and even pregnancy are some of the leading causes of disability that can keep you out of work and aect your income. That’s where Aﬂac group disability insurance can help. Our Aac group disability plan can help protect your income by oering disability benets to help you make ends meet when you are out of work. Our plan was created with you in mind and includes:• O-jobonlycoverage.• Benetsthathelpyoumaintainyourstandardofliving.The Aﬂac group disability plan beneﬁts:• Benefitsarepaidwhenyouaresickorhurtandunabletowork,upto60percentofyoursalary(upto40%instateswithstatedisability).• MinimumandMaximumTotalMonthlyBenefit–$400to$3,000.• PartialDisabilityBenefit.• Twoplanoptionsavailable:– 6-monthbenefitdurationperiod/7/7dayeliminationperiod– 6-monthbenefitdurationperiod/14/14dayeliminationperiodFeatures:• Benetsarepaiddirectlytoyouunlessotherwiseassigned.• Coverageisportable.Thatmeansyoucantakeitwithyouifyouchangejobs(withcertainstipulations).• PayrollDeduction–Premiumsarepaidthroughconvenientpayrolldeduction.The plan has limitations and exclusions that may aect benets payable. This brochure is for illustrative purposes only. Refer to your certicate for complete details, denitions, limitations, and exclusions. For more information, call 866-885-6468.AFLAC GROUP DISABILITYHow It Works: Aﬂac Group Disability Non-occupational coverage is selected with a 60% of salary beneﬁt.Aﬂac Group Disability pays the certiﬁcate holder60%of his salary for the length of disability after the elimination period.The certiﬁcate holder hurts his back helping his friend move over the weekend and visits the doctor.A physician determines the certiﬁcate holder will be out of work for 1 month while recovering.

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A BETTER FIT FOR EMPLOYEESFarmers GroupSelectSM provides insurance coverage tailored to your needs. Get a quote today.As an employee, you have access to special savings on auto insurance. Others have saved an average of $562* by making the switch. Auto InsuranceWith custom fit coverages, you can drive your own auto insurance policy while enjoying savings and benefits, like: • Special group discounts • Automated payment options • Claim-free driving rewards • Car rental • No deductible windshield repair • Roadside assistance • Guaranteed auto repairs for covered losses • ID protection services1GET A QUOTEHome InsuranceQuality home insurance coverage means you can rest easy knowing your most valuable asset is truly protected, along with savings and benefits, like: • Special group discounts • Replacement cost coverage • Referral networks • Automated payment options • ID protection services1 Call today, 800-438-6381CALL 800-438-6381Other Protection ProductsBy combining auto, home, and other policies, you could save even more! Call today, 800-438-6381 RV Renters Motorcycles Boat Condo* Based on the average nationwide annual savings in 2020 reported by new customers who called our employer and affinity call center, switched their auto insurance to an insurance policy issued through our employer or affinity program, and realized savings. Potential savings vary by customer and may vary by state and product. 1 Identity protection services are not available to auto customers in NC or NH nor with all policy forms. Identity protection services are available in NC homeowners policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.Advertisement produced on behalf of the following specific insurers and seeking to obtain business for insurance underwritten by Farmers Property and Casualty Insurance (a MA & MN licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Farmers Casualty Insurance Company (a MN licensee), Farmers Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Farmers Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), or Farmers Lloyds Insurance Company of Texas, all with administrative home offices at 700 Quaker Lane, Warwick, RI 02886. Company names approved in domiciliary states; approval pending non-domiciliary states. Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local representative or the company.© 2021 Farmers InsuranceFarmers GroupSelectSMGET A QUOTE

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A Personal Account: How a Legal Plan helped Chris with his home purchasewere buying a home as part of our relocation to Florida. Our attorney reviewed the documents, made some suggestions and offered some good advice. Already, this was more than I expected from a contract review. However, because of confusion on the part of the title agency our closing went totally off the rails. I'll spare you the gory details,but suffice to say that our attorney was the only person in the entire process who I felt was representing my interests. He went way above and beyond what I expected from him, and I can't say enough about how pleased I was about the level of service I received.— Chris, a Legal Plan member in Florida“I contacted our attorney for a contract review, as my wife and I“Estate planning at your fingertipsMost of us know we need important estate planning documents like wills, advance directives and powers of attorney, but finding the time to complete these documents can be a challenge. Through our digital estate planning solution we make it easy for you to complete estate planning documents. This allows you to designate your wishes for healthcare, as well as protect your family and assets quickly and easily from the comfort of your home.With our digital estate planning solution you can create:• Last Will and Testament: Leave property to loved ones and choose guardians forminor children.• Advance Directive: Plan for a medical emergency and select medical carepreferences.• Durable Financial Power of Attorney: Choose someone to manage finances in caseof an emergency.• Probate Avoidance Documents: Keep your home out of the probate process andhave it pass directly to the beneficiaries of your choosing with either a transfer ondeath deed or revocable living trust, depending on your state.How do I get started?Our digital estate planning solution is available to all enrolled legal plan members at legalplans.com. You will need to create an account here using the email and password of your choice to use the digital estate planning solution. The process is designed to work for most people, but if there are aspects of your estate that are more complicated, you might be directed to reach out to one of our network attorneys instead of using the online process.Create wills, living wills and powers of attorney online in as little as 15 minutesof Americans do not have a will, the most basic estate planning document you need to protect your assets and your family.370%Enroll in MetLife Legal Plans during annual enrollment

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1. You will be responsible to pay the difference, if any, between the plan’s payment and the out-of-network attorney’s charge for services.2. Average hourly rate of $370.00 based on years of legal experience, National Law Journal and ALM Legal Intelligence, Survey of Law Firm Economics (2018).3. CARAVAN survey conducted by ENGINE on behalf of MetLife Legal Plans, January 2020.We are pleased to announce that Metropolitan Property and Casualty (Met P&C) business has been acquired by the Farmers Insurance Group®. Plans provided through insurance coverage underwritten by Met P&C will transition to be underwritten by Metropolitan General Insurance Company. During the transition period, Met P&C will continue to underwrite legal plans in certain states. For additional information, please reach out to contact@legalplans.com.Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company, Warwick, RI. Some services not available in all states. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife and affiliates and plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse or dependents in which case services are excluded for the spouse and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details. MetLife®is a registered trademark of MetLife Services and Solutions, LLC, New York, NY.MetLife Legal Plans | 1111 Superior Ave, Suite 800 | Cleveland, OH 44114L0621014253[exp0822][AllStates][DC,PR] © 2021 MetLife Services and Solutions, LLCTo learn more about your coverages and see our attorney network, create an account at legalplans.com or call 800.821.6400 Monday – Friday 8:00 am to 8:00 pm (ET).Legal Plan Frequently Asked QuestionsQ. How does the plan work?A. Getting started is easy. You simply choose an attorneyfrom our network, which is available online or by calling ourClient Service Center. You can also choose an attorneyoutside of our network and be reimbursed according to aset fee reimbursement schedule.1We will then give you anassigned case number to share with your attorney whenyou make an appointment. It’s that simple.You can speak to our network attorneys face to face, by phone or you can submit questions online to our Law Firm E-Panel® — whatever works best for you. And for certainlegal matters, your attorney can represent you in courtwithout you having to make an appearance.Q. Can I get help finding the right attorney for myneeds?A. Yes, our Client Service Center representatives are hereto help you find the right attorney for your legal matter,whatever that might be. We’re committed to ensuring youreceive the expert legal help you need, when you need it.Q. How are attorneys selected for the network? Whatare their qualifications?A. We only select attorneys who meet our selection criteriaand agree to our Attorney Code of Excellence. Attorneysin the network have an average of 25 years experience inthe practice of law, have graduated from an accredited law school and must maintain valid state licensure. Additionally,the attorneys must agree to provide superior customerservice to all legal plan members. We routinely monitor ourattorneys to ensure our members’ needs are being metand conduct regular re-credentialing audit that looks atlegal activity, member feedback, verification of malpracticeinsurance and more.Q. Can I use an attorney who is not in the network?A. Yes, you can use any attorney you’d like. If you choosean attorney outside of our network, we’ll reimburse you forservices based on a set fee reimbursement schedule.1Q. Can I use an attorney more than once?A. Yes, you have unlimited use of the plan over the courseof the year for covered legal matters.Q. How much will it cost?A. Less than you might think. For less than a dollar a day,you can have our legal experts on your side, for as long asyou need them.Q. How do I pay for my coverage?A. It’s easy. Your premium is paid through payrolldeductions, so you don’t have to worry about writing anychecks or missing payments.Q. Are my spouse and family members also covered bymy plan?A. Most plans cover your spouse and dependent children;please see the details of your plan.Q. Are claim forms required when using the legal plan?A. No. We make using your plan easy. When you usea network attorney, there is nothing for you to do. Planservices are covered in full, and billing is between us andthe network attorney. There are no waiting periods, nocopays, no deductibles and no claim forms.Enroll in MetLife Legal Plans during annual enrollment

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Covered conditions  Base conditions   Additional conditions Child-only conditions** • Cerebral palsy• Cleft lip/palate• Cystic fibrosis• Down syndrome• Muscular dystrophy• Spina bifida Consider the financial protection you'll gain by enrolling in the Critical Illness Protection Plan  United Healthcare    0 0 THIS IS A LIMITED BENEFIT POLI.     

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The Accident Protection Plan supports your health plan A plan that covers more than 80 injuries and services       continued         I of employees have $500 or less to cover the costs of an illness or emergency1 United Healthcare

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® Initial care/hospital care Follow-up care/common injuries $300 $150 Total payment to Matt: $250 $800 $600 $225 $75 $270 $555 Total payment to Matt: Matt receives a check for: $3,225 United Healthcare □      

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Help protect yourself from the high costs of hospital care  I   Get a direct payment aer hospital care Covered hospital expenses include:    Use the money any way you choose Use your payments for:    Enjoy an easier experience You don't have to meet your deductible to get your payment   continued Do you h a highdeductible health plan? United Healthcare

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How the Hospital Indemni Protection Plan helped Matt**  $1,000  $1,600  United Healthcare           

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   a e� will  will continued United Healthcare

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Our National Employee Assistance Program (EAP) offers a wide range of conﬁdential professional and personal development services for you and your employees. Implemented by certiﬁed clinical behavioral psychologists and corporate coaches, our EAP services include critical incident response, individual performance counseling, substance abuse management, on-site conﬂict mediation services, wellness programs, and more. NEAP also includes programs spanning across professional growth, leadership development, training, succession planning, and more for corporate development.Contact your PrestigePEO HRBP at 516-692-8505 to ﬁnd out more about how National EAP can help you and your employees.Source: The Journal of Employee Assistance 1Q 2014: Vol 44, No. 1ROIIn addition to a happier, healthier, more committed workforce, you can expect a ﬁnancial return on investment (ROI). In a study commissioned by the Journal of Employee Assistance, 4,707 EAP clients reported an average annualized ROI of $10,187.99 per employee in productivity improvements. Among those who utilized EAP services:Productivity Increased Over32%AbsenteeismDropped87%Emotional Well-Being Increased 51%Morale andMotivation Improved25%Work/Life ServicesConsultation & ReferralsFinancial ConsultationFree unlimited telephone consultation with a ﬁnancial professional qualiﬁed to advise you on a range of ﬁnancial issues.Legal ConsultationFree half-hour telephone consultation with an attorney on most legal issues. Discounted rates are available if further legal representation is required. ID Theft Recovery ConsultationFree telephone consultation with an ID recovery professional, plus free online prevention program Credit Karma.Online Member Services• Offers resources,articles, links andinteractive tools• Free legal forms &Living Will• Searchable database• Monthly health &wellness topics with live webinarsPre-Qualiﬁed Referrals• Child care andparenting• Older adult care• Legal/ﬁnancialresourcesMembers can rely on conﬁdential EAP assistance to help address a variety of needs including:• Marital and Family Relationships• Legal & Financial Problems• Stress Management• Alcohol and Substance Abuse• Crisis Management• Parenting Difﬁculties• Domestic Violence• Physical and Mental Illness• Grief & Loss

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Employee Only (18+ Years Old)Employee + Family∆LIFELOCK IDENTITY THEFT PROTECTIONLifeLock Identity Alert™ System†• Payday - Online Lending Alerts†• Credit Alerts & Social Security Alerts† LifeLock Mobile App (Android™ & iOS)**Downloading the app does not provide protection.Dark Web Monitoring** LifeLock Privacy Monitor™USPS Address Change VericationLost Wallet ProtectionReduced Pre-Approved Credit Card OffersFictitious Identity MonitoringData Breach NoticationsCredit, Checking & Savings Account Activity Alerts†**Checking & Savings Account Application Alerts†**Bank Account Takeover Alerts†**401K & Investment Account Activity Alerts†**File Sharing Network SearchesSex Offender Registry ReportsOnline Account Monitoring**Expected availability 2020, subject to change.Prior Identity Theft Remediation∂This feature is separate from our Million Dollar Protection™ Package and does not provide coverage for lawyers and experts, reimbursement of stolen funds or compensation for personal expenses for events occurring during the 12 months prior to enrollment. See disclaimer for details.U.S.-based Identity Restoration Specialists24/7 Live Member Support∆Million Dollar Protection™ Package†††• Stolen Funds Reimbursement •Personal Expense Compensation• Coverage for Lawyers and ExpertsUp to $1 Million each Up to $1 Million eachCredit Application Alerts2** One-Bureau One-BureauCredit Monitoring1** One-Bureau Three-BureauAnnual Credit Report & Credit Score1**The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.Three-BureauMonthly Credit Score Tracking1**The credit score provided is a VantageScore 3.0 credit score based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.One-BureauNORTON DEVICE SECURITYSecures PCs, Macs, Smartphones/Tablets** Up to 3 devices (Family gets 6 devices)Up to 5 devices (Family gets 10 devices)Online Threat Protection**Password Manager **Parental Controls3**Smart Firewall**Cloud Backup3**10 GB 50 GBONLINE PRIVACYSafeCam3**withBenefit PremierwithBenefit Essential∆ The LifeLock Benet Junior plan is for minors under the age of 18. LifeLock enrollment is limited to employees and their eligible dependents. Eligible dependents must live within the employee’s household, or be nancially dependent on employee. LifeLock services will only be provided after receipt and applicable verication of certain information about you and each family member. Please refer to employer group for the required information under your plan. In the event you do not complete the enrollment process for any family member, those individuals will not receive LifeLock services, but you will continue to be charged the full amount of the monthly membership selected until you cancel or modify your plan at your employer’s next open enrollment period, which may be annually. Please note that we will NOT refund or credit you for any period of time during which we are unable to provide LifeLock services to any family member on your plan after your benet effective date due to your failure to submit the information necessary to complete enrollment. If you do not complete the enrollment process for each family member, you may continue to pay more for LifeLock services than you otherwise would if you had selected a lower tier plan.1 If your plan includes credit reports, scores, and/or credit monitoring features (“Credit Features”), two requirements must be met to receive said features: (i) your identity must be successfully veried with Equifax; and (ii) Equifax must be able to locate your credit le and it must contain sufcient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE CREDIT FEATURES FROM ANY BUREAU. If your plan also includes Credit Features from Experian and/or TransUnion, the above verication process must also be successfully completed withExperian and/or TransUnion, as applicable. If verication is successfully completed with Equifax, but not with Experian and/or TransUnion, as applicable, you will not receive Credit Features from such bureau(s) until the verication process is successfully completed and until then you will only receive CreditFeatures from Equifax. Any credit monitoring from Experian and TransUnion will take several days to begin after your successful plan enrollment. Pleasenote that in order to enjoy all features in your chosen plan, such as bank account alerts, credit monitoring, and credit reports, it may require additionalaction from you and may not be available until completion.2 If your plan includes One Bureau Credit Application Alerts, two requirements must be met to receive said features: (i) your identity must be successfully veried with TransUnion; and (ii) TransUnion must be able to locate your credit le and it must contain sufcient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE ONE BUREAU CREDIT APPLICATION ALERTS. One Bureau Credit Application Alerts will take several days to begin after your successful LifeLock plan enrollment.3 Not all features are available on all platforms. Norton Family Parental Controls, Norton Cloud Backup, and PC SafeCam are presently not supported on Mac OS.† LifeLock does not monitor all transactions at all businesses††† Reimbursement and Expense Compensation, each with limits of up to $1 million for LifeLock with Norton Benet Essential and LifeLock with Norton Benet Premier and up to $25,000 for Benet Junior, and up to $1 million for coverage for lawyers and experts if needed, for all plans. Benets under the Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy terms, conditions and exclusions at: LifeLock.com/legal.** These features are not enabled upon enrollment. Member must take action to activate this protection.∂ Subject to eligibility requirements dened in Terms & Conditions at https://www.lifelock.com/legal/prior-id-theft-remediation. Symantec reserves the right to change and/or cease services at any time.∆ English only.No one can prevent all identity theft or cybercrime.LifeLock and Norton by Symantec are now Norton LifeLock. Copyright © 2019 Symantec Corporation. All rights reserved. Symantec, the Symantec Logo, the Checkmark Logo, Norton, Norton by Symantec, LifeLock, and the LockMan Logo are trademarks or registered trademarks of Symantec Corporation or its afliates in the U.S. and other countries. Other names may be trademarks of their respective owners. Norton LifeLock is the Consumer Division of Symantec.GPPM8782Benefit Pricing - Monthly Rates *Prices Include Applicable Sales Tax$5.49$10.98$9.99$19.98

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Identity Theft ProtectionKeep your identity secure with proactive monitoring and alerts if threats to your personal info—like your bank accounts, credit, Social Security Number, IDs, and more—are detected. Financial Fraud ProtectionGet alerted to new inquiries to your credit, suspicious transactions on your bank accounts, and changes to your home or car title.Privacy & Device ProtectionShop, bank, and work online more safely and privately with safety tools including VPN/Wi-Fi security, antivirus, and password manager. Aura also requests removal of your personal info from data broker lists to help reduce spam like robocalls, robotexts, and more.Customer ServiceGet $5 million identity theft insurance6per adult member and 24/7 customer support to answer account, technical, or billing questions. Plus, resolution specialists provide white glove case management services to victims of fraud.On average, it takes about 100 to 200hours and over six months to undo identity theft.5Online interactions are at an all-time high. 89% of employees say that having access to an identity theft product provides peace of mind.4Advantages of MetLife Identity & Fraud Protection powered by AuraWhy you need Identity & Fraud ProtectionPlan OptionsProtection Plan: Basic protection for your identity, finances, and two device per adult member.Protection Plus Plan: Robust protection for your identity, finances, privacy, and unlimited devices per adult member.Individual Coverage: Protection for the employee only.Family Coverage: Our inclusive definition of “Family” allows the employee to add up to 10 additional adults and unlimited minors to the plan. Added members are not required to live in the same household. Remove Protection Plan if only offering Protection Plus Plan OR Remove Protection Plus Plan if only offering Protection PlanWith MetLife, you’ll have the option to enroll in a robust digital security plan to help protect you and your family from financial and identity fraud. Learn more about the tiered coverage options available to you, plan features, services and how payments will be deducted. Enroll in Identity & Fraud Protection during annual enrollment

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Features Protection Protection PlusFinancial Fraud ProtectionCredit Monitoring & Alerts1-Bureau3-BureauAnnual Credit Report1-Bureau3-BureauMonthly Credit Score Tracker7aaIn-Platform Credit DisputeaaCredit, Bank & Utility Account Freeze AssistanceaaHome & Vehicle Title MonitoringaaFinancial Account Opening & Takeover MonitoringaaFinancial Transaction MonitoringaaInvestment & Loan Account MonitoringaaHigh-Risk Transaction AlertsaaUtility Account MonitoringaaExperian Credit LockaCredit Score SimulatoraIdentity Theft ProtectionAutomated Online Data Removal & Solicitation ReductionaaDark Web Monitoring for Personal Info & IDsaaDark Web Monitoring for Accounts & CredentialsaaSSN & Identity Authentication AlertsaaCriminal, Court & Public Records MonitoringaaUSPS Address MonitoringaaSocial Media Monitoring & Takeover AlertsaGamertag MonitoringaSocial Media Privacy Checkup8aPrivacy & Device ProtectionPassword Manager & Automated Password ChangeaaEmail AliasaaSafe Web BrowsingaaIP Address MonitoringaaWi-Fi Security/VPN2 DevicesUnlimited DevicesAntivirus2 DevicesUnlimited DevicesAI-Powered Call & Text Screening8aFamily Safety (with family overage only)Parental ControlsaaChild Cyberbullying ProtectionaaChild Credit Freeze WizardaaChild SSN Monitoring & AlertsaaSex Offender Geo AlertsaaShared Password VaultaaSecure Family OnboardingaaCaregiver Alert Sharing8aaChild Online Safety Scan8aaService & Support$5M Insurance Policy per Enrolled Adult6•401K & HSA•Senior & deceased family member theft•Home title identity theft•Cyber extortion/ransomwareaaLost Wallet Protection with $500 Emergency Cashaa24/7/365 100% US-based Customer CareaaWhite Glove Fraud Resolution ServicesaaRestoration Services for Pre-Existing Fraud EventsaaMobile App (iOS & Android)aaAura Account Security (2FA)aaEnroll in Identity & Fraud Protection during annual enrollment

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L0223029415[exp0225][All States][DC,GU,MP,PR,VI] © 2023 MetLife Services and Solutions, LLCMetLife Consumer Services, Inc.| 200 Park Avenue | New York, NY 10166Questions & AnswersNo one can prevent all identity theft or monitor all transactions effectively.Aura is a product of Aura Sub, LLC. Aura Sub, LLC. is not affiliated with MetLife, and the services and benefits they provide are separate and apart from any MetLife product.Q. What happens if my employment status changes? Can I take my coverage with me?A. Yes, you can take your coverage with you. You will need to continue to pay your monthly fees via credit card payment on Aura’s platform to keep your coverage in force. Your coverage will only end if you stop paying your fees or if your employer offers you similar coverage with a different carrier.Q. How are my finances protected?A. Aura monitors your credit, financial accounts, home & auto titles and more. You’ll get alerted to credit inquiries, like if someone tries to open a new credit card or bank account in your name.Q. How is my identity protected?A. Through extensive monitoring of your Social Security Number, driver’s license, passport, ID, and more. Plus, Aura requests the removal of your data from broker lists to help reduce spam like robocalls and robotexts.Use this page ONLY if offering protection plus onlyInsert Dollar Amount and delete if not using Individual or Family/ protection or protection plusQ. Who is eligible to enroll for this Identity and Fraud Protection benefit?A. This product is available for Individual (Employee only) or Family coverage. Individual covers the employee only; Family covers the employee and up to 10 additional adults and unlimited minors.• For Family plans, you may add up to 10 additional adult members to your plan, no matter their age or whether they live at the same address. Each adult member will have their own account and enjoy the same features. Each adult’s info is kept private from other adults on the plan.• For Minors, you may add up to unlimited minors (under 18 years old) to the plan. You must have parental guardianship rights over the minors. The minors’ information and alerts will only be visible to you, the Account Owner.1. Statista “Avg. # of Connected Devices in U.S. Household” 2020 https://www.statista.com/statistics/1107206/average-number-of-connected-devices-us house/#:~:text=According%20to%20a%202020%20survey,connected%20devices%20in%20their%20household. Accessed 02/20232. World Password Day: How to Improve Your Passwords https://blog.dashlane.com/world-password-day/#:~:text=According%20to%20our%202017%20findings,will%20skyrocket%20to%20300%20accounts. Accessed 02/20233. Statista "Average time spent per day with digital media in the United States from 2011 to 2022" https://www.statista.com/statistics/262340/daily-time-spent-with-digital-media-according-to-us-consumsers/, Accessed 8/20224. Q&A: Identity Theft Benefits More Relevant Than Ever, HR Daily Advisor,https://hrdailyadvisor.blr.com/2020/04/02/qa-identity-theft-benefits-more-relevant-than-ever/, Accessed 02/2023 5. How Long Does it Take to Correct Identity Theft?, Allstate, https://www.allstateidentityprotection.com/content-hub/how-long-does-it-take-to-correct-identity-theft, Accessed 02/20236. As a component of becoming an Aura Plan member, Consumers receive identity theft insurance through a group policy issued to Aura which is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, which is not an affiliate or subsidiary of MetLife. Checking & Savings Cash Recovery and 401(K) & HSA Cash Recovery are part of and not in addition to the Expense Reimbursement limit of liability. The description herein is a summary and intended for informational purposes only and does not include all terms‚ conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.7. The score you receive with Aura is provided for educational purposes to help you understand your credit. It is calculated using the information contained in your TransUnion or Experian credit file. Lenders use many different credit scoring systems, and the score you receive with Aura is not the same score used by lenders to evaluate your credit. 8. Coming in 2023

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We Oﬀer FinFit!Your Employee Financial Wellness ProgramExperience the Satisfaction of Financial Stability 2017 Financial Survey Commissioned by FinFit.FinFit Loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Loans subject to credit approval. Residents of Colorado, Connec ticut, Iowa, Vermont, West Virginia, Nevada and Massachusetts are not eligible for loans. Nothing in this advertisement constitutes an oﬀer or solicitation for loan products to residents of those states. Actual time it takes for loan approval dependent upon loan verication set up with your employer.Products listed are a representation of FinFit oﬀerings. Not all products are available in all states or to all member companies. The products available to you and your organization will appear on your FinFit membership dashboard.Spending and Savings AccountsUnlock access to spending and savings accounts without the fees and get paid up to two days early.Member RewardsEarn points to redeem for prizes, Amazon gift cards or a deposit into your FinFit savings account!Financial CoachingOne-on-one advice Financial Dashboard & InsightsEstablish a budget, connect your accounts & receive alerts to keep you on track!Financial SolutionsAccess alternatives to high-interest credit.Student Loan ServicesSimplify the repayment of your student loans.Budget CalculatorsMake smarter, informed Personalized AssessmentIdentify your goals and discover your Educational Tools & ResourcesFrom beginners to savvy investors, we’ll guide you every step of the way. 81%of employees are now paying their bills on time with the help of FinFit. 80%of employees have less utilizing FinFit. 70%of employees increased their monthly savings with the help of FinFit. 61%of employees have not useda high cost credit providersince joining FinFit.Member RewardsEarn points and redeem for cash & prizes!Download the FinFit Mobile AppVisit YourPrestigePROEmployee PortalLog In & Click the FinFit Tab Complete the Requested InfoFor more information and to schedule a meeting with yourFinFit Account Manager, contact Brian Koski, bkoski@ﬁnﬁt.com