Welcome Guide - Aetna : simplebooklet.com

Welcome aboard! PrestigePEO is a professional employer organization (PEO), which means we help companies of all sizes with a diverse range of HR-related matters. We’ve recently partnered with your company to handle your human resources needs. That means you and your colleagues can turn to us for help with things like employee beneﬁts, payroll, and more – think of us as an extension of your HR department.With over 20 years of experience, our team is ready to assist you with all things HR.Our ApproachWe take pride in our hands-on approach to client service – no chatbots here. We’re committed to providing fast and accurate information to you and your colleagues. That’s not just a promise – it’s our policy.We also practice a mandatory same-day response policy, which means we’ll keep in touch with you about the status of your inquiry, even if it’s just to let you know that we’re still working on it. Your questions and concerns will never go unanswered.Your PrestigePEO TeamYou’ll have a dedicated team of employee beneﬁts, payroll, and HR experts to guide you through it all. We’re available via phone, email, and even in-person when you need us.Getting Started with PrestigePEOOur days are brighter when we’re able to help. We look forward to working with you.HUMAN RESOURCE BUSINESS PARTNER (HRBP)PAYROLL SPECIALIST EMPLOYEE BENEFITS SPECIALIST Online & Mobile Access PrestigePRO is a centralized, secure online portal where you can view your paystubs, access employee beneﬁts information, update personal information, and more. In order to identify who your dedicated specialst is, you can log into the PrestigePRO portal or download our PrestigeGO mobile app for quick access.Information contained herein is for general guidance only. There is no recommendation to choose any particular plan(s) or associated benefits. Website links and log-in processes are subject to change.

Page 5

Page 6

METLIFE LEGAL PLANSGet access to experts who can assist you with a broad range of personal legal needs. You may ﬁnd you need advice for when you’re buying or selling a home, starting a family, dealing with identity theft, or caring for aging parents. There are no waiting periods, no deductibles, and no claim forms, when using a network attorney for any matter that’s covered.To access attorneys and request assistance, visit www.legalplans.com and enter access code GetLaw or call 800-821-6400.FARMERS HOME & AUTO Take advantage of special savings on auto, home, and renters insurance from Farmers Home & Auto. Through this program, you have access to a diverse suite of insurance products to meet your needs, including additional policies like condo, boat, motorcycle and RV insurance.Call 1-800-438-6381 to enroll. LIFELOCKInformation shared through the Internet can put you at risk. Everyday activities such as online shopping & banking, or even browsing the web can make you vulnerable to cybercrimes. Protect your identity and devices with LifeLock. Combined with Norton Beneﬁt Plans, this employee beneﬁt provides leading identity theft protection and device security against cyber threats.Enroll through the PrestigePEO Beneﬁts Portal or contact your Employee Beneﬁts Specialist for more information.FINFIT FINANCIAL WELLNESS PROGRAMFinFit oers a variety of tools and resources to help improve your ﬁnancial wellness. Get started by taking a personalized ﬁnancial wellness assessment and exploring your recommended learning paths. You also have access to budgeting tools, a ﬁnancial planning dashboard, one-on-one coaching, and special oers on select ﬁnancial services. To get started, simply log in to your PrestigePRO employee portal and click on the FinFit tab on the left.NATIONWIDE PET INSURANCEA variety of insurance plans are available for all your pets’ needs. You can choose any veterinarian and get coverage for accidents and illness. Wellness beneﬁts are also available depending on the plan you choose. Costs will vary based upon the age of the pet. Contact Nationwide at (877)-738-7874 to enroll. Supplemental BeneﬁtsWORKING ADVANTAGEGet up to 60% savings on entertainment tickets, travel, shopping and more.Open your FREE account at workingadvantage.com. Click Register at the top of the page and sign up with your company code: ID #202433428.

Page 7

GENERALWhat should I do if I’m having trouble logging into my PrestigePRO portal? 1. In the PrestigePRO login screen, click on “Forgot Username”or “Forgot Password.”2. Follow the prompts to receive a link via email to reset yourusername and/or password. If you don’t receive the email, besure to check your spam or junk folder.3. Follow the instructions in the email to reset your usernameand/or password.4. You can also login to your PrestigeGO mobile app and contactyour dedicated Human Resources Business Partner (HRBP), orreach us at 833-PEO-SVRC.What do I do if I get locked out of my PrestigePRO account? Don’t worry, you aren’t locked out for good. Your account will automatically unlock in 5-10 minutes. How do I ﬁnd out who my point of contact is when I have a question?Download the PrestigeGO mobile app and log in to contact your dedicated HR business partner, payroll specialist or employee beneﬁts specialist. You can also contact us at 833-PEO-SVRC. Who will issue my medical card and physician directory, and when will I get them?You will receive your medical card approximately 4-6 weeks after your eective date. If you have an immediate need for medical services before you receive your card, we will provide you with your member ID which can be used to provide evidence of coverage until your card arrives. Physician directories can be accessed online through your carrier’s website. How do I download the PrestigeGO mobile app? PrestigeGO is available for Apple and Android mobile users. Download PrestigeGO in the App Store or Google Play to get started. Am I a temporary employee?Your employment status is as described to you by your company. If I need to apply for a loan, who should I list as my employer?You are co-employed by your company and PrestigePEO. PrestigePEO can verify your employment and salary or wage details with your authorization. Contact your HR business partner or call us at 833-PEO-SVRC.How do I notify PrestigePEO if I move?You can update your personal information at any time through the PrestigePRO portal or the PrestigeGO mobile app. FAQsONBOARDINGAs a co-employee of PrestigePEO and my current employer, is my date of hire aected?No, your hire date with your employer is used for purposes of seniority. We record the date the co-employment arrangement started, but you will always be an employee of your current company. Your company’s partnership with PrestigePEO is a co-employment arrangement in which PrestigePEO and your company divide various management and administrative responsibilities. You will continue to accrue time until you leave your company.Is management also part of the co-employed relationship? Are they required to complete the same forms?Yes, everyone is required to complete the same forms as part of PrestigePEO’s agreement to handle HR responsibilities on behalf of your company.PAYROLLIs PrestigePEO in charge of my compensation, raises, or bonuses?No. PrestigePEO simply issues your paycheck and handles administration. Your company still decides all forms of compensation, including vacation checks, bonuses, salaries, and wages.Can I have my paycheck deposited directly into my bank account?Yes, simply ﬁll out the direct deposit portion form found on your PrestigePRO portal. It may take more than one pay period after you submit the information for the direct deposit to take eect. How can I update my tax withholding?You can make changes by requesting a new W-4 from your HR Business Partner, or through the PrestigePRO employee portal. Go to: Taxes > Tax Withholding > Federal Tax or State Tax.How do I print out my paystub and W-2? Access your paystubs through the PrestigePRO employee portal. Go to: Pay > Pay History > View Paystub. For W-2’s, go to: Taxes > W-2 > Select Year. Employers can also access employee’spaystubs and W-2’s through the PrestigePRO manager portal.Prestige Employee Administrators, LLC538 Broadhollow Rd, Suite 311 Melville, New York 11747833-PEO-SVRC | service@prestigepeo.com | prestigepeo.com

Page 8

Page 9

Page 10

Page 11

Page 12

Page 13

Page 14

Page 15

Page 16

Our networkOnline directoryFind network doctors, right at your fingertipsNeed a doctor? Simply search by specialty and locationin our online directory. You’ll also find maps, directionsand more. You can also look for doctors who speakdifferent languages. Just visitAetna.comand select“Find a doctor” to get started.24-Hour Nurse Line*A simple call can make all the differenceHave questions about upcoming medical visits andchoices? You can talk to a registered nurse forinformation about tests, procedures and treatmentoptions, 24 hours a day, 7 days a week. And the call isfree. To find the phone number, justvisitAetna.comand log in to your member website.* While only your doctor can diagnose, prescribe or give medicaladvice, our 24-Hour Nurse Line nurses can provide information on avariety of health topics. Contact your doctor first with any questionsabout your health care needsMinuteClinic®andCVS®HealthHUB™Access MinuteClinic and CVS HealthHUBservices at a low cost to youGet access to convenient, local care at a MinuteCliniclocation at no or a low cost to you, including care for:• Allergies• Ear infections• Flu-like symptoms• Bug bites, stings and moreMinuteClinic providers can also administer vaccinesand write prescriptions, when medically appropriate.In addition to standard MinuteClinic locations foundinside select CVS Pharmacy® and Target stores, we areexcited to let you know about a new, innovative healthcare resource available to you: CVS® HealthHUB™. CVSHealthHUB locations offer expanded MinuteClinicservices, one-on-one guidance, and resources forpeople to manage their health — with a focus onchronic conditions.What’s more? You can access the expandedMinuteClinic services — including care for certainchronic conditions* — at CVS HealthHUB locations at noor low cost to you.**For your best health, we encourage you to have arelationship with a primary care physician or otherdoctor. Tell them about your visit to MinuteClinic, orMinuteClinic can send a summary of your visit directlyto them.* MinuteClinic currently provides treatment services for the followingchronic conditions: diabetes, hypertension, hyperlipidemia,hypothyroidism, and sleep apnea.** Applies only to covered services at MinuteClinic. This informationdoes not apply to members enrolled in qualified high-deductiblehealth plans: such members must meet their deductible. However,such services would be subject to negotiated contract rates. Once thedeductible has been met, such members will be able to accessMinuteClinic® services at no cost-share. Members in indemnity plansare not eligible for this benefit. Such members should refer to theirbenefit plan documents in order to determine coverage andapplicable cost share for walk-in clinic benefits and services, asapplicable. VisitMinuteClinic.comfor age and service restrictions.Aetna® and MinuteClinic, LLC (which either operates or providescertain management support services to MinuteClinic-brandedwalk-in clinics) are part of the CVS Health® family of companies. Aetnais not responsible for services received at MinuteClinic locations.Teladoc® general medicine services— by phone or video24/7 access to quality careAfter hours? Can’t get to the doctor’s office? Teladocconnects you with board-certified doctors anytime.They can treat many non-emergency medical issues byphone or video. This may help you avoid urgent careand emergency room visits, which can be costly andtime-consuming.And it’s easy to use — you can speak to a doctor “ondemand” in minutes.* Or just schedule a time that’smore convenient for you. You can request visits byeither:• Going toTeladoc.com/Aetna• Downloading the Teladoc app1 Participating locations data accessed June 2021. For illustrative purposes only.

Page 17

Our networkVisitTeladoc.com/Aetnato find out more and set upyour account.*Ten minutes is the average wait time for an on-demand visit but waittimes may be longer during peak hours or seasons. On-demandconsults are guaranteed within an hour of request or are free ofcharge. Idaho is video only; Arkansas and Delaware require video forthe first visit every 24 months.Teladoc®mental health counselingGet the care you need from the comfort ofhomeMeet with a therapist 7 days a week right from yourhome and get support for anxiety, depression, stressand more.You can:• Choose from board-certified psychiatrists, licensedpsychologists, therapists or counselors• Talk to the same therapist each time for anxiety,eating disorders, depression, grief, family difficultiesand more• Connect with your therapist 7 days a week, from 7AM–9 PM local time, by video• Get confidential support from wherever you’re mostcomfortableVisitTeladoc.com/Aetnafor more information.Participating urgent care centersSay goodbye to ER visits and hello to savingsIf you have an urgent but not life-threatening medicalissue, think about going to an urgent care center,walk-in clinic or MinuteClinic®.* These centers can treatsprains, the flu, minor cuts and more.There are over 8,000 participating locations.1** Manyare open seven days a week, with no appointmentsneeded. You’ll typically pay less — and cut your waitingtime, too. Look up the nearest urgent care center orwalk-in clinic on Aetna.com. Select “Find a doctor” touse our directory. Or use the mobile app.****Member responsibility may vary based on plan design; for someplans, copays apply. Emergency room (ER) copays are typically higherthan walk-in clinic copays.** Includes urgent care centers, walk-in clinics and MinuteClinic andHealthHUB locations.***Standard text messaging and other rates from your wireless carriermay applyParticipating retail walk-in clinicsEasy access, with no appointments neededWhen you’re a “little bit” sick and it’s after office hours,try a retail clinic. Visit one for minor illnesses like strepthroat, injuries like a sprain and even vaccines.You’ll enjoy:• Convenient hours, with• some open seven days a week with night andweekend hours• Lower prices, such as an average of $81 per clinicvisit compared to $750 to $1,000 averageemergency room (ER) price*1We have many stand-alone and store-based clinicsnationwide. Find them in our online directory atAetna.com—just select “Find a doctor.”*Member responsibility may vary based on plan design; for someplans, copays apply. ER copays are typically higher than walk-in cliniccopays1 Participating locations data accessed June 2021. For illustrative purposes only.

Page 18

Page 19

Page 20

Programs & resourcesAetna Maternity ProgramGiving you and your baby a healthy startBy participating in this program, you’ll learn more about:• What to expect before and after delivery• Early labor symptoms• Newborn care• Breastfeeding, and moreAnd if you have certain risk factors, you’ll also getspecial support to help avoid an early delivery.Plus, this program is part of your plan — there’s no extracost to you. You’ll have access to the Maternity SupportCenter* on your member website. On the site, you’ll gethelpful tools and resources, information aboutpregnancy stages, personalized benefit details andmore.*Our maternity program and support teams do not diagnose or treatmembers. We assist you in getting the care you need and ourprogram is not a substitute for the medical treatment and/orinstructions provided by your health care providers. 0Simple Steps To A Healthier Life®programThis interactive online health and wellnessprogram can help enhance your healthWith its health assessment and online health coachingprograms*, this program helps lower health risks. It canhelp you stay healthy, productive and connected withAetna® care management support services. It alsoprovides a personalized health risk score andeasy-to-find health information.*Our program and care teams do not diagnose or treat members. Weassist you in getting the care you need, and our program is not asubstitute for the medical treatment and/or instructions provided byyour health care providers. 0Aetna Behavioral Health AbleToSupportFocusing on health conditions and lifechangesWhen you’re managing chronic pain or going throughmajor life changes, it’s common to feel overwhelmed.And you may not know where to go for support. That’swhy we’ve teamed up with AbleTo, a leading behavioralhealth provider to help.Through the AbleTo emotional support program, you’llget help with issues that can make life morechallenging. This eight-week program offers youemotional support after a medical diagnosis or lifetransition — for example, becoming a caregiver orgiving birth. And it combines counseling and coachingto help you:• Work through the normal emotions you’re having• Understand the types of changes you need to make• Feel like you’re in control of your health and lifeOnce you connect with an Aetna® or AbleTorepresentative, they’ll explain more about the programand how it can help. They’ll also answer any questionsyou have.Aetna® does not recommend the self-management ofhealth problems. Health information programs providegeneral health information and are not a substitute fordiagnosis or treatment by a health care professional.Aetna One ChoiceHelping you find your way through currenthealth challengesThis program is an industry-leading care managementprogram. Our focus is to help you and your family workthrough the health system, which we know can beconfusing. This lets you focus on what really matters —your health and well-being.Your dedicated team will be right there to help you withshort- and long-term care management. And they’llprovide support based on what you want and need.

Page 21

Page 22

Page 23

Page 24

Page 25

Page 26

Managing costsAetna Discount ProgramInstant savings on your favoritehealthy-living products and servicesSave on gym memberships, weight-loss programs,vision services, hearing aids and more — with anyhealth plan. These built-in discounts aren’t insurance.And there are no claims, referrals or limits on use.Just log in to your member website atAetna.comtostart saving.Fitness DiscountsThere’s no stopping youWhen you take the stairs, snack healthy or kick a badhabit, your body gets stronger. And now, here’s a littlemotivation to help you keep up the good work: goodsavings. With your Aetna® plan, you get discounts ongym memberships, health coaching and much more.Weight Management DiscountsA healthier body, with a little helpTo manage your weight with success, a little support isalways nice. And you’ve got it right here — greatsavings on today’s most popular weight-loss programsand meal plans. These discounts are included with yourAetna® health benefits and insurance plan. Yourcovered family members can use them, too.Hearing DiscountsHear better, for lessNeed a little help with your hearing? Here’s a great wayto save on essentials like hearing aids, exams and evenbatteries.It’s a nice perk for Aetna® members. And the discountsare instant, so you save on the spot.Aetna Vision DiscountsThe clearer way to enjoy savingsYour vision may be just fine. Or it may need a little help.Either way, you can save with our vision discounts.You’ll get discounts on:• Eye exams• Prescription eyewear• LASIK laser eye surgery• Non-disposable contact lenses• Designer frame optionsYou can even save on things that don’t need aprescription, like sunglasses, eyeglass chains, lenscases and cleaners.Natural Products &Services/ChooseHealthy®Give your health a natural boostEnjoy instant discounts on therapeutic massage,acupuncture ... even chiropractic visits.* This perk isincluded with your Aetna® benefits and insurance plan.* Discounts don’t apply to visits/claims submitted to your healthinsurance plan. Natural products and services are offered throughChooseHealthy®, a program provided by ChooseHealthy, Inc. which isa subsidiary of American Specialty Health Incorporated (ASH).ChooseHealthy is a registered trademark of ASH and is used withpermission.

Page 27

Not all services are covered. See plan documents for a complete description of benefits, exclusions and limitations ofcoverage. Plan features and availability may vary by location and are subject to change.Providers are independentcontractors and are not agents of Aetna®. Provider participation may change without notice.Refer toAetna.com formore information about Aetna® plans. You can view or print your plan disclosure from ourAetna.com/individuals-families/member-rights-resources/rights/disclosure-information.htmlHealth benefits and health insurance plans are offered, underwritten and/or administered by Aetna Health Inc.,Aetna Health of California Inc., Aetna Health Insurance Company of New York, Aetna Health Insurance Company,Aetna Health Assurance Pennsylvania Inc. and/or Aetna Life Insurance Company (Aetna). In Florida, by Aetna HealthInc. In Maryland, by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156. Each insurer has sole financialresponsibility for its own products.Aetna® and CVS Specialty® are part of the CVS Health® family of companies. Health benefits and health insuranceplans are offered, underwritten and/or administered by Aetna Health Inc., Aetna Health of California Inc., AetnaHealth Insurance Company of New York, Aetna Health Insurance Company, Aetna Health Assurance PennsylvaniaInc. and/or Aetna Life Insurance Company (Aetna). In Florida, by Aetna Health Inc. In Maryland, by Aetna Health Inc.,151 Farmington Avenue, Hartford, CT 06156. Each insurer has sole financial responsibility for its own products.CVS® HealthHUB™ services are available only in select stores and the services offered may vary by location. See yourCVS HealthHUB store for details. Pharmacy services provided by CVS Pharmacy®, Inc. Clinical services within a CVSHealthHUB location provided by a MinuteClinic® nurse practitioner or physician assistant except if otherwiseindicated.Teladoc® is not available to all members. Teladoc and Teladoc physicians are independent contractors and are notagents of Aetna®. Visit Teladoc.com/Aetnafor a complete description of the limitations of Teladoc services.Teladoc, Teladoc Health and the Teladoc Health logo are registered trademarks of Teladoc Health, Inc.Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and othercountries. App Store is a service mark of Apple Inc.DISCOUNT OFFERS ARE NOT INSURANCE. They are not benefits under your insurance plan. You get access todiscounts off the regular charge on products and services offered by third-party vendors and providers. Aetnamakes no payment to the third parties — you are responsible for the full cost. Check any insurance plan benefitsyou have before using these discount offers, as those benefits may give you lower costs than these discounts. Notavailable to New York policyholders.Aetna.com©2020 Aetna Inc.00.02.528.1. (8/21) PrestigePEO

Page 28

Page 29

How to get started 1. Call us or go online.Call us at 1-888-792-3862 (TTY: 711). Or go to Aetna.com to log in to your member website, or download the Aetna Health app. 2. Request mail service. By phone or online — you can also print out an order form and send it to us. 3. Get refills your way. It’s easy to reorder online, by phone or by mail. Need help?Call us toll-free, 24/7, at 1-888-792-3862 (TTY: 711). What will I pay?Depending on your plan, you may pay less for medicine you get through home delivery than at a retail pharmacy. To know for sure, just check your plan details. Know the cost of your medicine ahead of time How? Go to Aetna.com to log in to your member website and go to the “Pharmacy” section or use the Aetna Health app to search costs. Get cost estimates for generic or brand name drugs — and how to get the most value from your plan. You can also do a lot more on your member website, like find a pharmacy near you. You’ll also see detailed information on drugs, including any potential interactions or possible side effects. Quick. Without the hassle. Get your regular medicines through CVS Caremark Mail Service Pharmacy. CVS Caremark Mail Service Pharmacy™ and Aetna are part of the CVS Health® family of companies. Health benefits and health insurance plans contain exclusions and limitations. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change. Visit Aetna.com for more information about Aetna® plans. Policy forms issued in Oklahoma include: HMO OK COC-5 09/07, HMO/OK GA-3 11/01, HMO OK POS RIDER 08/07, GR-23 and/or GR-29/GR-29N. Policy forms issued in Idaho by Aetna Life Insurance Company include: GR-23, GR-29/GR-29N, GR-9/GR-9N, AL HGrpPol 03, AL SG HGrpPol 02. Policy forms issued in Idaho by Aetna Health of Utah Inc. include: HI HGrpAg 03, HI SG HGrpAg 02. Policy forms issued in Missouri include: AL HGrpPol 02R5, HI HGrpAG 01, HO HGrpPol 01. Aetna.com ©2020 Aetna Inc. 05.03.493.1 C (7/20)

Page 30

Page 31

Making it simple for you Your Care team Our team — nurses and pharmacists who are specially trained in your condition — helps you understand how to use your medicine. And helps ensure that you have the right dose at the right time. We’ll also: • Remind you when it’s time to refill • Help you stay on track with your treatment • Help you manage symptoms and side effects Convenient delivery, flexible payments CVS Specialty provides: • Delivery to your home, doctor’s office, a CVS Pharmacy®, or any place you choose, at no added cost* • Package tracking for prompt delivery • Flexible payment options How to get started At CVSspecialty.com it’s easy to manage your medications. • Existing prescriptions? Call 1-800-237-2767 (TTY: 711) to transfer your prescription. • New prescriptions? Your doctor can: - E-prescribe to CVS Specialty - Call one of our registered pharmacists at 1-800-237-2767 (TDD: 1-800-863-5488), Monday through Friday, 7:30 AM to 9:00 PM ET - Fax the prescription to 1-800-323-2445 *Where allowed by law. Based on the availability of CVS Pharmacy locations and subject to applicable laws and regulations. Services are also available at Long’s Drugs locations. Products are dispensed by CVS Specialty and certain services are only accessed by calling CVS Specialty. Certain specialty medications may not qualify. In compliance with state laws, in-store pick up is currently not available in Oklahoma. Puerto Rico requires first-fill prescriptions to be transmitted directly to the dispensing specialty pharmacy. For details, call 1-800-237-2767. Your privacy is important to us. Our employees are trained regarding the appropriate way to handle your private health information. Aetna®, CVS Pharmacy® and CVS Specialty® are part of the CVS Health® family of companies. Prices for specialty pharmacy services are established by Aetna affiliates and may exceed Aetna’s cost for these services. Visit Aetna.com for more info about Aetna® plans. Policy forms issued in Oklahoma include: HMO OK COC-5 09/07, HMO/OK GA-3 11/01, HMO OK POS RIDER 08/07, GR-23 and/or GR-29/GR-29N. Policy forms issued in Idaho include: AL HCOC 02, AL HGrpPol 01, ID COC V001 2015 ACA, ID GrpAg01 2015, GR-96814 02, ID-GA-SG-AETNA Amendment 2016 01, AL ID HNO COC Amendment 2016 01, GR-9/GR-9N, GR-23 and GR-29/GR-29N. Policy forms issued in Missouri include: AL HGrpPol 01R5, HI HGrpAg 05, HO HGrpPol 04, AL SG GrpPolAmend 2019 01, HI HGrpAg SG 01R, HI SG GrpAgAmend 2019 01. Aetna.com ©2020 Aetna Inc. 05.03.523.1 A (7/20)

Page 32

Page 33

Page 34

Well-being in action Whether you are healthy or have existing conditions, focusing on all areas of well-being can help you on your path to better health. Here are some actions you can take to get started. Physical health •Be active every day. Walk, bike, swim, dance or do what makes you happy — it all counts •Choose healthier food options like whole grains, fruits, vegetables and low-fat dairy products Emotional health •Practice deep breathing to help manage stress •Try to focus on the positives in life Financial security •Plan for your future — consider hiring a certified professional planner to help •Reduce debt and keep a monthly budget Social connectedness •Surround yourself with good friends •Join a club to meet other people who share your interests Character strengths •Find ways to continue to grow your skills and knowledge •Volunteer, mentor or get involved in your community Purpose •Practice being thankful every day •Determine what’s important to you and pursue it — whether in your personal life or your career Get started on your health and well-being today. To learn more, register or log in at Aetna.com and look under “Stay Healthy.” 1Determinants of well-being are proprietary to Aetna and developed as part of a multi-year research collaboration with faculty at Harvard T.H. Chan School of Public Health. Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna). This information is not intended to replace the advice of a doctor. If you have specific health care needs or would like more complete health information, please see your doctor or other health care provider. For more information about Aetna plans, refer to Aetna.com. Aetna.com ©2019 Aetna Inc. 45.03.913.1 A (12/19)

Page 35

Page 36

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.

Page 37

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.

Page 38

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.

Page 39

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.

Page 40

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?

Page 41

Page 42

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.

Page 43

Page 44

Page 45

Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0121010762[exp0322][CA,FL,NJ,NY,TX] © 2021 MetLife Ser vices 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.

Page 46

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.

Page 47

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

Page 48

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)

Page 49

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

Page 50

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)

Page 51

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!

Page 52

Page 53

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.

Page 54

See what’s coveredEye examYour plan includes a fully covered exam, subject to a copayment.Your plan uses the UnitedHealthcare Vision Network. You’ll get the most value from your coverage when you see any provider in this large, national network of eye doctors, optometrists and ophthalmologists, including both local doctors and well-known retail providers. Find a provider at myuhcvision.com.Frame allowance*When you use a network provider, you can spend a frame allowance to help buy any frame your eye doctor oﬀers. You get a discount on any cost over the allowance amount.Contact lens benefit*You may have coverage for a ﬁtting and follow-up visits depending on your plan design and lens choice. Log in to myuhcvision.com to learn more about your speciﬁc beneﬁt.Lens options*Popular lens options like UV protection or anti-reﬂective coating are available to you at price-protected amounts. Plus, standard scratch coating and polycarbonate lenses for dependent children are available at no cost.Additional pairs of glasses*Receive a 20% discount on additional pairs of eyeglasses, including prescription sunglasses.*Plans may vary. Check your coverage at myuhcvision.com to verify beneﬁts. Discount may not be available from all providers.Need help?Visit myuhcvision.comLog in for 24/7 access to details about your vision plan.Sign in to myuhc.com®If you have a UnitedHealthcare health plan, you can access your vision and health plan beneﬁts here by following these steps:• Sign in to myuhc.com• Go to Coverage and Beneﬁts• Scroll down to Vision• Click “View vision plan”Call toll-free: 1-800-638-3120, TTY 711If you don’t have computer access or need language assistance or other help, call us Monday through Friday, 7 a.m. to 10 p.m. CT, or Saturday, 8 a.m. to 5:30 p.m. CT.

Page 55

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:

Page 56

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

Page 57

Page 58

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

Page 59

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

Page 60

Page 61

Page 62

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.

Page 63

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]

Page 64

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

Page 65

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.

Page 66

Page 67

Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 www.metlife.com 1405-1445 L0316461946(All States] © 2016 METLIFE, INC. PEANUTS © 2016 Peanuts Worldwide LLC How can having MetLife Long Term Disability insurance benefit you? Long Term Disability insurance can replace a portion of your income should you become unable to work and earn a paycheck for an extended period of time due to an illness or injury. This plan can help protect you and your family from the impact of your lost income by replacing a portion of it during an extended disability. Please be sure to review the Plan Summary for complete details about your company’s Long Term Disability plan from MetLife. You’ll find information about your plan’s benefit amounts, rates, terms and conditions. As one of the nation’s leading providers of worksite disability benefits,6 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a long term disability. Your Disability coverage may also include some additional benefits designed to assist you in getting back to work (please see the Plan Summary for details): o Return-to-Work IncentivesAssistance in returning to the workforce and valuable transitionsupport, when appropriate.o Rehabilitation IncentiveYou can increase the amount of your Disability benefit by as much as10% when you participate in a MetLife approved RehabilitationProgram.o Family Care BenefitGet reimbursed for expenses, such as child care for eligible familymembers, if you participate in a MetLife approved RehabilitationProgram.o Work BenefitYou may receive up to 100% of your pre-disability earnings whencombining the Disability benefit, return-to-work earnings, Rehabilitationincentives and other income benefits such as State Disability benefitsand Social Security Disability benefits.o Moving Expense BenefitYou may be reimbursed for moving expenses to a new residence if themove is recommended as part of a MetLife approved RehabilitationProgram.1 Social Security Basic Facts, October 2015, http://www.ssa.gov/news/press/basicfact.html. 2 July 2013, Council for Disability Awareness website, http://www.disabilitycanhappen.org/chances_disability/disability_stats.asp 3 MetLife 2013 Study of Employee Benefits Trends. 4 2014, Social Security Administration website, http://www.ssa.gov/oact/STATS/dibStat.html 5 May 2014, Social Security Administration website, http://www.socialsecurity.gov/pubs/EN-05-10029.pdf, Reviewed August 2014. 6 LIMRA, U.S. Group Disability Sales and In Force Survey, 2014. Like most group disability insurance policies, MetLife group policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife sales representative for complete costs and details. Why should I enroll now?  Improve your financialsecurity. Enroll now or you may haveto wait another year to getDisability insurance.Enroll today!

Page 68

Short Term/Long Term Disability Product Overview Why is having Disability insurance important? Financial experts have long recommended Disability insurance as part of a sound financial plan should you be unable to work due to illness or injury. Your ability to earn an income is indeed one of your most valuable assets! Take a look at some of the key reasons why it pays to have Disability insurance: o Just over 1 in 4 of today’s 20 year olds will likely become disabledbefore reaching age 67.1o 1 in 8 workers will be disabled for 5 years or more during their workingcareers.2o The average 20 year old is twice as likely to become disabled than diebefore age 67.1If you are unable to work and earn an income due to a disability, you would want to be able to meet both your short and long term financial responsibilites. If you have a spouse/domestic partner and/or children most likely they rely on you to help keep the household running. But with 51% of employees reporting that they are very concerned about financial security in the event of a disability,3 you need to make sure your family is financially prepared to handle essential living expenses immediately and for the longer term if you are unable to work. Expenses like: oMortgage or rento Car paymentso Foodo Child care/tuitionIf 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. Short Term Disability replaces a portion of your income during the initial weeks of a disability. Long Term Disability replaces a portion of your income for disabilities that last for an extended period of time.continued >> Help protect yourself, your family and your savings from the impact of your lost income.

Page 69

Metropolitan Life Insurance Company 200 Park Avenue New York, NY 10166 www.metlife.com 1405-1455 L0316461945[All States] © 2016 METLIFE, INC. PEANUTS © 2016 Peanuts Worldwide LLC Why should I enroll now?  Improve your financialsecurity. Enroll now or you may haveto wait another year to getDisability insurance.Enroll today! How can having MetLife Disability insurance benefit you? Having this income protection will provide you with an important financial safety net should you become unable to work and earn your income due to a disability. You can help protect yourself, your family and your savings from the impact of your lost income by replacing a portion of it during the initial weeks of a disability and for an extended period of time. Please be sure to review the Plan Summary for complete details about this Disability coverage from MetLife. You’ll find information about your plan’s benefit amounts, estimated rates, terms and conditions. As one of the nation’s leading providers of worksite disability benefits,4 you can count on MetLife to provide you with caring, compassionate and accurate claims service, if and when you experience a disability. Your Disability coverage may also include some additional benefits designed to assist you in getting back to work (please see the Plan Summary for details): o Return-to-Work IncentivesAssistance in returning to the workforce and valuable transition support,when appropriate.o Rehabilitation IncentiveYou can increase the amount of your Disability benefit by as much as 10%when you participate in a MetLife approved Rehabilitation Program.o Family Care BenefitGet reimbursed for expenses, such as child care for eligible familymembers, if you participate in a MetLife approved Rehabilitation Program.o Work BenefitYou may receive up to 100% of your pre-disability earnings when combiningthe Disability benefit, return-to-work earnings, Rehabilitation incentives andother income benefits such as State Disability benefits and Social SecurityDisability benefits.o Moving Expense BenefitYou may be reimbursed for moving expenses to a new residence if themove is recommended as part of a MetLife approved RehabilitationProgram.1 Social Security Fact Sheet, October 2015, http://www.ssa.gov/pressoffice/basicfact.htm. 2 July 2013, Council for Disability Awareness website, http://www.disabilitycanhappen.org/chances_disability/disability_stats.asp. 3 The 12th Annual MetLife Study of Employee Benefits Trends, 2014. 4 LIMRA, U.S. Group Disability Sales and In Force Survey, 2014. Like most group disability insurance policies, MetLife group policies contain certain exclusions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your MetLife sales representative for complete costs and details.

Page 70

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®

Page 71

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.

Page 72

Page 73

Page 74

Page 75

Nationwide® pet insuranceMy Pet Protection® plan summary*Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for acomplete list of exclusions.Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states),Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subjectto underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insuranceterms, deﬁnitions and explanations are intended for informational purposes only and do not in any way replace or modify thedeﬁnitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling.Nationwide, the Nationwide N and Eagle, vethelpline, and Nationwide is on your side are service marks of Nationwide MutualInsurance Company. ©2021 Nationwide. 21PMC8302E_GRP_REVNationwide pet insurance helps you cover veterinary expenses so you can provide your pets with the best care possible without worrying about the cost. • Exclusive product for employer groups only• Preferred pricing for employeesPlus, every My Pet Protection policy includes these additional beneﬁts to maximize your value:• Lost pet advertising and reward expense• Emergency boarding• 24/7 access to veterinary experts ($110 value)• Available via phone, chat and email• Unlimited help for everything from general petquestions to identifying urgent care needs• Save time and money by ﬁlling pet prescriptions atparticipating in-store retail pharmacies across the U.S.• Rx claims submitted directly to Nationwide• More than 4,700 pharmacy locationsWe oer a choice of reimbursement options so you can ﬁnd coverage that ﬁts your budget. All plans have a $250 annual deductible and $7,500 maximum annual beneﬁt. Coverage includes*:• Accidents• Illnesses• Hereditary and congenital conditions• CancerMy Pet Protection coverage highlightsIncluded with every policyAdditional highlightsGet a fast, no-obligation quote today. • 877-738-7874• Dental diseases• Behavioral treatments• Rx therapeutic diets and supplements• And more• Loss due to theft• Mortality beneﬁt• Multiple-pet discounts• Guaranteed issuancehttp://www.petinsurance.com/prestigeemployee

Page 76

Products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2021 Nationwide. 21GRP8309_PMCDo I need to re-enroll for this beneﬁt every year?No. Once enrolled, the policy will renew automatically each year.How can I make changes to my policy?You can make changes to your policy during your policy renewal period. All changes are subject to underwriting approval.When is the policy renewal period?The renewal period starts 60 days before the policy’s current 12-month term expires. The policy’s eective date and expiration date can be found on the Declarations Page, which is included with the policy packet that is mailed to you at each new term.What happens to my pet insurance policy if I am no longer with the company?You will be notiﬁed and asked to update billing information in order to keep the policy active.Will pre-existing conditions be covered?Unfortunately, no. Like all pet insurers, we don’t cover pre-existing conditions on any of our plans. Can I still use my vet?Absolutely. You’re free to visit any licensed veterinarian, anywhere in the world—even specialists and emergency providers.If I have a pet other than a dog or cat, can I enroll?Yes! If you want coverage for your bird, rabbit, reptile or other exotic pet, you’ll ﬁnd it only with Nationwide. To enroll in the Avian & Exotic Pet Plan, please call 877-738-7874.What is vethelpline® and how does it work?Veterinary professionals are available 24/7 through vethelpline, a service provided exclusively for Nationwide pet insurance members. You can get live help with any pet health concern, including identifying urgent care needs. Please note, a vethelpline consultation is not a substitute for a visit to your primary veterinarian.How do I ﬁle a claim?It’s easy. Simply pay your vet bill and then send us a claim for reimbursement via mail, email or online. Mail: Nationwide Claims Dept., P. O. Box 2344, Brea, CA 92822-2344Email: submitmyclaim@petinsurance.comOnline: Submit claims through your Nationwide Pet Account Access page at my.petinsurance.com. Please allow 48 hours from the time you submit your claim for it to appear online. Nationwide® pet insurance EMPLOYEEFAQGet a quote at • 877-738-7874 http://www.petinsurance.com/prestigeemployee

Page 77

Nationwide® pet insurance provides coverage for veterinary expenses related to accidents and illnesses. Policies are available for dogs, cats, birds, reptiles and other exotic pets.Choose from two easy ways to sign up:How to apply for a pet insurance policyDuring enrollment, you may be asked for the following information:• Name• Address• Home or primary telephone number• E-mail address• Name of your pet• Pet’s species (canine, feline, etc.)• Payment information/plan** Applications approved between the 1st and the 15th of the month become effective on the 1st of the following month. Applications approved from the 16th through the end of the month become effective on the 1st of not the following month, but the month thereafter.Example: May 1 approval = June 1 effective date May 16 approval = July 1 effective dateProducts underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, deﬁnitions and explanations are intended for informational purposes only and do not in any way replace or modify the deﬁnitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2021 Nationwide. 21GRP8404Call 877-738-7874 and tell the pet insurance professional the name of your organization.You’ll receive preferred pricing on your base medical policy.Visit: PetsNationwide.com and enter your organization nameto enroll online.The rates given will include your preferred pricing.

Page 78

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 2023 is $3,050.Up to $610 in unused funds in 2023 may be rolled over to 2024.

Page 79

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

Page 80

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 2023.

Page 81

Page 82

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!

Page 83

Page 84

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

Page 85

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

Page 86

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.

Page 87

Aﬂac Short-Term Disability Insurance We’ve been dedicated to helping provide peace of mind and ﬁnancial security for more than 60 years. IC(3/16)A57675MADISABILITY InsurancePays you a % of your salary when you can’t work due to illness or injury• Monthly benets range from $500 -$6000 per month - dependent onyour salary• You choose benet period: 3, 6, 12, or 24 months• You start collecting after a 7 or 14 day waiting period.IC(3/15)A36275Aﬂac Accident AdvantageACCIDENT-ONLY INSURANCE – OPTION 2 We’ve been dedicated to helping provide peace of mind and ﬁnancial security for 60 years.. ACCIDENT Insurances*Pays cash directly to you when in an accident- YOU DON’T HAVE TO BE OUT OF WORK TO COLLECT!!• up to $220.00 Payments for initial doctor, urgent care or ER visit(no life time limit)• $50.00 for 5-Doctor follow-up visits 10- physical therapy treatments• $1,500 initial hospitalization payment.• up to $640.00 Daily hospital connement and much more• Coverage available for yourself, Spouse and Kids AFLACCANCER CARE CANCER INDEMNITY INsuRANCECLAssiCWe’ve been dedicated to helping provide peace of mind and ﬁnancial security for nearly 60 years.A78375RIL IC (9/12)CANCER Insurance*Pays up to $4,000 cash benets directly to you when diagnosed with Cancer and more cash for ongoing Cancer treatment• up to $600.00 per day for Chemotherapy and Radiation treatments no max• up to $3500.0 per week for Experimental treatment benets no max• up to $100.00 Daily Hospitalization and Private Nursing• Anti-nausea medication, surgical benet, home care benets and much more...• Kids covered Free of Charge.• Optional rider available that provides additional protection for Heart Attack,• Stroke, Kidney Failure, Major Third Degree Burns and more.Aﬂac ChoiceHOSPITAL CONFINEMENT INDEMNITY INSURANCE – OPTION 1We’ve been dedicated to helping provide peace of mind and ﬁnancial security for more than 60 years. IC(1/19)B40 175MAThe policy is a supplement to health insurance and is not a substitute for major medical coverage. The policy, alone, does not meet minimum creditable coverage standards and will not satisfy the individual mandate that you have health insurance. Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.HOSPITAL Insurance**• Up to $1,500 Lump sum payment when admitted into Hospital for23+ hours• Additional benets for 3 -doctor visits, ER visits, ongoing hospitalstay & more!• No underwriting if under age 75PRODUCT HIGHLIGHTS SUMMARYWe give cash to you when you need it mostAlvaro Montenegro201.628.4924 alvaro_montenegro@us.aﬂac.com

Page 88

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

Page 89

Page 90

Page 91

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

Page 92

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][All States][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

Page 93

Page 94

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.     

Page 95

Page 96

Page 97

 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

Page 98

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

Page 99

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

Page 100

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

Page 101

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

Page 102

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

Page 103

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

Page 104

Page 105

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

Page 106

Page 107

Options with you in mind Savings on eyewear and exams Healthy vision Savings you can see If your vision isn’t 20/20, you’ll love discounts on: • Designer frames • Prescription lenses • Lens options like scratch coating and tint • Non-disposable contact lenses, and more Great rates on eye exams Your eye exams are always discounted. So even if your plan covers your first exam, you can save on another one from any participating doctor. Lots of locations You can visit many doctors in private practice. Plus, national chains like LensCrafters®, Target Optical® and Pearle Vision®. Check your member website at Aetna.com for a full list. More eye-openers • Savings on LASIK laser eye surgery • Replacement contact lenses, delivered to your door • Savings on eyeglass chains, lens cases and cleaners, and nonprescription sunglasses Built-in plan discounts with no referrals, claims or limits. Your family can use them, too. Savings on healthy lifestyle choices A fit, fabulous you Save on gym memberships, health coaching, fitness gear and nutrition products that support a healthy lifestyle. You get access to local and national discounts on brands you know. Health coaching Try one-on-one coaching to lose weight, ease stress or reach another goal. At-home weight-loss program Get weight-loss tips and menus, and track progress from the privacy of your home. Healthy food options Enjoy healthy food options like meal delivery to your home, on your schedule. Even more savings You also save on: • Wearable fitness devices • Yoga, meditation and wellness programs • Group fitness on demand Health benefits and health insurance plans are offered, administered and/or underwritten by Aetna Health Inc., Aetna Health Insurance Company of New York, Aetna Health Insurance Company, Aetna HealthAssurance Pennsylvania Inc. and/or Aetna Life Insurance Company (Aetna). In Florida, by Aetna Health Inc. and/or Aetna Life Insurance Company. In Utah and Wyoming, by Aetna Health of Utah Inc. and Aetna Life Insurance Company. In Maryland, by Aetna Health Inc., 151 Farmington Avenue, Hartford, CT 06156. Each insurer has sole financial responsibility for its own products.

Page 108

Savings on natural products and services A natural health boost You can try these natural products and services* at a discount. • Ease your stress and tension with therapeutic massage. • Heal pain or stress points with acupuncture. • Relieve neck and back pain with chiropractic care. • Get advice from registered dietitians with nutrition services. • Save on a wide variety of popular products from health and fitness vendors. It’s easy: Log in to your member website at Aetna.com to find program professionals. Then, just take your Aetna ID card to your visit. Savings on at-home products • Blood pressure monitors • Pedometers and activity trackers • Electrotherapy TENS units (devices for pain relief) • Many other Omron® products Ready to browse and buy? Just log in to your member website at Aetna.com for easy ordering instructions. Oral health care products We provide discounts on oral health care products so you can keep your mouth as healthy as possible. You can save on teeth whitening, electronic toothbrushes, Z Sonic™ toothbrushes, replacement brush heads and various oral health care kits. Ready to browse and buy? Just log in to your member website at Aetna.com to shop and receive your discounts. Savings options on hearing aids and exams Hearing your world better With Hearing Care Solutions, you get: • Discounts on a large choice of hearing aids • A three-year supply of batteries, then you can join a discount battery mail-order program • Free in-office service of hearing aids for one year • Free routine cleanings and battery door replacements for one year after purchase from the original provider With Amplifon Hearing Health Care, you get: • Discounts on many styles of hearing aids, including programmable and digital hearing aids from leading makers • Savings on hearing exams and hearing aid repairs • Free follow-up services for one full year • A two-year supply of batteries How to get started Log in to your member website at Aetna.com, once you’re an Aetna member. It’s the place to take care of your benefits. Your place to save, too. You can: Find a vision, hearing or natural therapy professional Sign up for a weight-loss program Buy health products Find a gym, and more *Through the ChooseHealthy® program, which is provided by ChooseHealthy, Inc., a subsidiary of American Specialty Health Incorporated (ASH). ChooseHealthy is a federally registered trademark of ASH and used with permission herein. Discount vendors and providers are not agents of Aetna and are solely responsible for the products and services they provide. Discount offers are not guaranteed and may be ended at any time. Aetna may get a fee when you buy these discounted products and services.