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Welcome Guide - Aetna

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I rs LLC I 538 Broad hollow Road I Suite 311 I Melville NY 11747 8505 I Fax 516 692 8507 I www prestigepeo com

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TABLE OF CONTENTS 03 Prestige Overview 08 Medical 35 Dental 55 Vision 63 Life Disability 77 Voluntary Benefits 113 Employee Perks

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Getting Started with PrestigePEO 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 Approach We 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 Team You 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 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 Our days are brighter when we re able to help We look forward to working with you 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

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Need Support Reach Out to a Specialist EMPLOYEE BENEFITS Medical benefits Dental and vision plan selections Voluntary benefits Register on PrestigePRO Life insurance FSA HSA plans COBRA To complete your new employee onboarding process you will need to register on the PrestigePRO employee portal You will receive an email notification from prestigepronoreply prestigepeo com to begin the process Commuter benefits HERE S HOW 1 The link will direct you to the login page shown above You will select the Register button shown below to create your account HUMAN RESOURCES Onboarding Portal login assistance Handbook and company policies PTO or sick leave management Disability FMLA or Paid Family Leave Employee relations Workers comp PAYROLL Salary and wages Taxes and deductions W 2s Garnishments Paystubs 1 Visit Our Resource Center We know important questions deserve quick answers 2 3 Once your registration is complete you will be able to login After logging in the Welcome Screen will appear with some brief instructions Visit us at prestigepeo com resources and navigate to the Employee Information section for fast access to all the information you need Select Get Started on the top right and you will be redirected to the page where you can complete your new hire paperwork For general inquiries call us at 833 PEO SVRC

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Supplemental Benefits METLIFE LEGAL PLANS NATIONWIDE PET INSURANCE Get 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 A 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 To access attorneys and request assistance visit www legalplans com and enter access code GetLaw or call 800 821 6400 LIFELOCK 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 Information 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 Call 1 800 438 6381 to enroll FINFIT FINANCIAL WELLNESS PROGRAM WORKING ADVANTAGE FinFit offers 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 offers on select financial services Get up to 60 savings on entertainment tickets travel shopping and more To get started simply log in to your PrestigePRO employee portal and click on the FinFit tab on the left Open your FREE account at workingadvantage com Click Register at the top of the page and sign up with your company code ID 202433428

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FAQs GENERAL ONBOARDING What should I do if I m having trouble logging into my PrestigePRO portal As a co employee of PrestigePEO and my current employer is my date of hire affected 1 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 coemployment arrangement in which PrestigePEO and your company divide various management and administrative responsibilities You will continue to accrue time until you leave your company In the PrestigePRO login screen click on Forgot Username or Forgot Password 2 Follow the prompts to receive a link via email to reset your username and or password If you don t receive the email be sure to check your spam or junk folder 3 Follow the instructions in the email to reset your username and or password 4 You can also login to your PrestigeGO mobile app and contact your dedicated Human Resources Business Partner HRBP or reach us at 833 PEO SVRC Is management also part of the co employed relationship Are they required to complete the same forms What do I do if I get locked out of my PrestigePRO account Yes everyone is required to complete the same forms as part of PrestigePEO s agreement to handle HR responsibilities on behalf of your company Don t worry you aren t locked out for good Your account will automatically unlock in 5 10 minutes PAYROLL How do I find out who my point of contact is when I have a question Is PrestigePEO in charge of my compensation raises or bonuses 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 No PrestigePEO simply issues your paycheck and handles administration Your company still decides all forms of compensation including vacation checks bonuses salaries and wages 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 effective 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 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 effect 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 s paystubs and W 2 s through the PrestigePRO manager portal 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 Prestige Employee Administrators LLC 538 Broadhollow Rd Suite 311 Melville New York 11747 833 PEO SVRC service prestigepeo com prestigepeo com

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Health care made simple At Aetna and CVS Health we take care of the whole you mind body and spirit Using the combined experiences of both companies we bring you a connected convenient and affordable approach to health care With customized health benefits plans robust provider and pharmacy networks support programs special discounts and so much more you can relax knowing you ll have the tools and resources you need to live healthy And no matter where you are on your path to better health count on us to be right there to help you be your best So if you have questions let us know Just call us at 800 704 7287 TTY 711 for medical plans

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Paying for care An overview of terms YOU PAY Deductible Each year you pay 100 of your covered expenses until you meet your deductible amount Eligible preventive care is covered at 100 with no deductible when you use network providers YOU AND THE PLAN PAY Cost sharing Once you meet your deductible you share the cost with the plan Your share may be in the form of coinsurance and or copayments also called copays Coinsurance A fixed percentage For example if your care is 100 and your coinsurance is 20 you pay 20 Copay A fixed dollar amount For example you may pay 25 per doctor office visit THE PLAN PAYS Out of pocket maximum The maximum you pay each year for covered expenses Once you hit your maximum the plan pays 100 of covered expenses for the rest of the year

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In network vs out of network In network Out of network Highlights Highlights Network providers contract with us to offer rates that are often lower than their regular fees So choosing a network provider and or facility may help you save money Your network provider also works directly with us They ll send us claims for services you receive And get approval for coverage of some services when it s needed Your plan may allow you to visit an out of network provider or facility To find out details like this check your Summary of Benefits and Coverage document Don t worry this is all behind the scenes work when you choose network providers Visit Aetna com to find a network provider How it works There s no need to pay at your visit unless you have a copay Your doctor files your claim and the plan pays them any amount it owes based on the negotiated rate Your doctor then bills you for any amount you owe Benefits Lower out of pocket costs Lower deductible coinsurance copay and cost sharing No balance billing Less paperwork for pre approval of services This network option may cost you less How it works If your plan allows you can visit licensed providers who aren t in our network Out of network doctors and hospitals don t contract with us So that means They normally charge more for their services You might have to pay the difference between what your plan pays for services and the amount they charge They also don t work with us like network providers do And they generally don t send us claims or get approval for coverage when needed So you may need to handle these details on your own This network option may cost you more

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Plans Choosing a plan that s right for you and your family is so important That s why we designed a suite of affordable plans to meet your unique needs And we ll be right there to help you find the perfect fit It s important to us that you get the most out of your benefits plan So when you go for care keep in mind that staying in network has special perks By going in network you may have lower out ofpocket costs because these providers have agreed to accept our contracted rate for services Plus they ll file claims for you so you don t have to worry about any extra work Some plans have out ofnetwork benefits too Just keep in mind that if you go out of network you may have higher out of pocket costs Plus you may have to file your own claims and or get pre approval for some services And if you ever need emergency care you can relax knowing that we cover it whether you go in or out of network So whatever plan you choose just feel confident knowing you can count on us to help you make the most of it

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Medical Aetna Open Access Managed Choice health insurance plan Known as Managed Choice POS in CA Visit any doctor no referrals needed You don t have to choose a primary care physician PCP with this plan But selecting a PCP is still important because they do more than give you a checkup They Get to know you and your medical history Guide you on important health decisions and direct your care File claims for you Plus you may pay less out of pocket for their care This plan also gives you access to our tools tips programs and services They can help you find network doctors estimate costs and more Aetna Open Access Elect Choice exclusive provider organization plan Visit any doctor in our network without a referral You don t have to choose a primary care physician PCP with this plan but you may want to Why PCPs do more than give you a checkup They Get to know you and your medical history Guide you on important health decisions and direct your care File claims for you This plan has in network benefits only Visit our online directory at Aetna com to find a PCP or network doctor This plan also gives you access to tools tips programs and services These can help you find network doctors estimate costs and more In Texas PCP is known as physician primary care In the State of Washington PCP refers to primary care provider

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Pharmacy Choose generics first The simple way to get your best coverage When a drug has a generic equivalent but your prescription is filled with the brand name drug you ll pay the difference in cost between the generic and brand name drug You ll also be responsible for your required copay or coinsurance Be sure to talk to your doctor about generic choices to see if they re right for you If they feel the brand name drug is medically necessary they can ask for approval to cover the prescription drug at the brand cost share If we approve the drug for medical necessity you won t have to pay the cost difference between the generic and brand name drug Specialty Pharmacy Management Specialty medications with personalized support You ll always have the specialty medicine and supplies you need with CVS Specialty Pharmacy Services We offer personalized support every step of the way And make it easy for you to manage your medicine We handle them with special care and provide convenient delivery So you can spend time on what matters most to you Coverage of your specialty medicine Your pharmacy plan covers some drugs and your medical plan covers others Depending on your plan you may need to pay a copayment or coinsurance And certain drugs require precertification This just means you need approval from the plan before they ll be covered If you have questions talk with your provider or call us at the number on your member ID card

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Our network When you need to find the right care it s always reassuring to know you have choices Our vast network of providers includes over 700 000 primary care doctors and specialists more than 5 700 hospitals and about 1 2 million health care providers 1 And it s never been easier to find providers Just use our provider search tool on your member website or use the Aetna HealthSM app when you re on the go Aetna com about us aetna facts and subsidiaries aetna facts html 1

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Our network Online directory Find network doctors right at your fingertips Need a doctor Simply search by specialty and location in our online directory You ll also find maps directions and more You can also look for doctors who speak different languages Just visit Aetna com and select Find a doctor to get started 24 Hour Nurse Line A simple call can make all the difference Have questions about upcoming medical visits and choices You can talk to a registered nurse for information about tests procedures and treatment options 24 hours a day 7 days a week And the call is free To find the phone number just visit Aetna com and log in to your member website While only your doctor can diagnose prescribe or give medical advice our 24 Hour Nurse Line nurses can provide information on a variety of health topics Contact your doctor first with any questions about your health care needs MinuteClinic and CVS HealthHUB Access MinuteClinic and CVS HealthHUB services at a low cost to you Get access to convenient local care at a MinuteClinic location at no or a low cost to you including care for Allergies Ear infections Flu like symptoms Bug bites stings and more MinuteClinic providers can also administer vaccines and write prescriptions when medically appropriate In addition to standard MinuteClinic locations found inside select CVS Pharmacy and Target stores we are excited to let you know about a new innovative health care resource available to you CVS HealthHUB CVS HealthHUB locations offer expanded MinuteClinic services one on one guidance and resources for people to manage their health with a focus on 1 chronic conditions What s more You can access the expanded MinuteClinic services including care for certain chronic conditions at CVS HealthHUB locations at no or low cost to you For your best health we encourage you to have a relationship with a primary care physician or other doctor Tell them about your visit to MinuteClinic or MinuteClinic can send a summary of your visit directly to them MinuteClinic currently provides treatment services for the following chronic conditions diabetes hypertension hyperlipidemia hypothyroidism and sleep apnea Applies only to covered services at MinuteClinic This information does not apply to members enrolled in qualified high deductible health plans such members must meet their deductible However such services would be subject to negotiated contract rates Once the deductible has been met such members will be able to access MinuteClinic services at no cost share Members in indemnity plans are not eligible for this benefit Such members should refer to their benefit plan documents in order to determine coverage and applicable cost share for walk in clinic benefits and services as applicable Visit MinuteClinic com for age and service restrictions Aetna and MinuteClinic LLC which either operates or provides certain management support services to MinuteClinic branded walk in clinics are part of the CVS Health family of companies Aetna is not responsible for services received at MinuteClinic locations Teladoc general medicine services by phone or video 24 7 access to quality care After hours Can t get to the doctor s office Teladoc connects you with board certified doctors anytime They can treat many non emergency medical issues by phone or video This may help you avoid urgent care and emergency room visits which can be costly and time consuming And it s easy to use you can speak to a doctor on demand in minutes Or just schedule a time that s more convenient for you You can request visits by either Going to Teladoc com Aetna Downloading the Teladoc app Participating locations data accessed June 2021 For illustrative purposes only

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Our network Visit Teladoc com Aetna to find out more and set up your account Ten minutes is the average wait time for an on demand visit but wait times may be longer during peak hours or seasons On demand consults are guaranteed within an hour of request or are free of charge Idaho is video only Arkansas and Delaware require video for the first visit every 24 months than walk in clinic copays Includes urgent care centers walk in clinics and MinuteClinic and HealthHUB locations Standard text messaging and other rates from your wireless carrier may apply Participating retail walk in clinics Easy access with no appointments needed Teladoc mental health counseling When you re a little bit sick and it s after office hours try a retail clinic Visit one for minor illnesses like strep throat injuries like a sprain and even vaccines Meet with a therapist 7 days a week right from your home and get support for anxiety depression stress and more You ll enjoy Convenient hours with Get the care you need from the comfort of home You can Choose from board certified psychiatrists licensed psychologists therapists or counselors Talk to the same therapist each time for anxiety eating disorders depression grief family difficulties and more Connect with your therapist 7 days a week from 7 AM 9 PM local time by video Get confidential support from wherever you re most comfortable some open seven days a week with night and We have many stand alone and store based clinics nationwide Find them in our online directory at Aetna com just select Find a doctor Member responsibility may vary based on plan design for some plans copays apply ER copays are typically higher than walk in clinic copays Visit Teladoc com Aetna for more information Participating urgent care centers Say goodbye to ER visits and hello to savings If you have an urgent but not life threatening medical issue think about going to an urgent care center walk in clinic or MinuteClinic These centers can treat sprains the flu minor cuts and more There are over 8 000 participating locations 1 Many are open seven days a week with no appointments needed You ll typically pay less and cut your waiting time too Look up the nearest urgent care center or walk in clinic on Aetna com Select Find a doctor to use our directory Or use the mobile app Member responsibility may vary based on plan design for some plans copays apply Emergency room ER copays are typically higher 1 weekend hours Lower prices such as an average of 81 per clinic visit compared to 750 to 1 000 average emergency room ER price 1 Participating locations data accessed June 2021 For illustrative purposes only

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In network care Who pays for what Visit your doctor and show your ID card There s no need to pay at your visit unless you have a copay Out of network you may need to pay the full amount at your visit Your doctor files your claim Out of network you file your own claims THE PLAN PAYS The plan pays your doctor any amount it owes based on the negotiated rate Out of network the plan pays you back what it owes up to the reasonable and customary limit

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Programs resources No health and benefits plan would be complete without extra support to help you feel your best That s why you ll have a variety of ways to enhance your health and keep a healthy lifestyle So whether you re looking to eat healthier exercise more lower stress or just need a friendly ear to listen we ve got the program that s just right for you

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Programs resources Aetna Maternity Program Giving you and your baby a healthy start By participating in this program you ll learn more about What to expect before and after delivery Early labor symptoms Newborn care Breastfeeding and more And if you have certain risk factors you ll also get special support to help avoid an early delivery Plus this program is part of your plan there s no extra cost to you You ll have access to the Maternity Support Center on your member website On the site you ll get helpful tools and resources information about pregnancy stages personalized benefit details and more Our maternity program and support teams do not diagnose or treat members We assist you in getting the care you need and our program is not a substitute for the medical treatment and or instructions provided by your health care providers 0 Simple Steps To A Healthier Life program This interactive online health and wellness program can help enhance your health With its health assessment and online health coaching programs this program helps lower health risks It can help you stay healthy productive and connected with Aetna care management support services It also provides a personalized health risk score and easy to find health information Our program and care teams do not diagnose or treat members We assist you in getting the care you need and our program is not a substitute for the medical treatment and or instructions provided by your health care providers 0 Aetna Behavioral Health AbleTo Support Focusing on health conditions and life changes When you re managing chronic pain or going through major life changes it s common to feel overwhelmed And you may not know where to go for support That s why we ve teamed up with AbleTo a leading behavioral health provider to help Through the AbleTo emotional support program you ll get help with issues that can make life more challenging This eight week program offers you emotional support after a medical diagnosis or life transition for example becoming a caregiver or giving birth And it combines counseling and coaching to 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 life Once you connect with an Aetna or AbleTo representative they ll explain more about the program and how it can help They ll also answer any questions you have Aetna does not recommend the self management of health problems Health information programs provide general health information and are not a substitute for diagnosis or treatment by a health care professional Aetna One Choice Helping you find your way through current health challenges This program is an industry leading care management program Our focus is to help you and your family work through the health system which we know can be confusing This lets you focus on what really matters your health and well being Your dedicated team will be right there to help you with short and long term care management And they ll provide support based on what you want and need

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Programs resources Dedicated nurse support to help you improve your health This program combines digital and nurse support to help you get or stay healthy And a single nurse is responsible for supporting you and your family The program also Helps you use your benefits wisely and stay motivated Finds health hurdles and helps you decide which health goals are most important Provides support and focuses on real time care Helps you take care of continuing health issues Your dedicated team supports everything from clinical preapproval and help during your care to short and long term care management And they ll provide support based on what you want and need Our program and care teams do not diagnose or treat members We assist you in getting the care you need and our program is not a substitute for the medical treatment and or instructions provided by your health care providers 0

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Support access We make it easy to find what you need Whether you want to look for the right care manage your benefits check on a claim plan for an upcoming treatment or something else it s easy to get simple convenient information All right at your fingertips Just connect with us however it s convenient for you Call our team we know the ins and outs of your benefits and we re just a phone call away Or use our member website as your one stop online resource And don t forget to download the Aetna HealthSM app where you can see your ID card find care make appointments and more when you re on the go

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Support access The Attain by Aetna app A first of its kind health experience designed in collaboration with Apple This app combines your health history with your Apple Watch activity to offer personalized goals achievable actions and big rewards like an Apple Watch or gift cards from popular retailers And it s already part of your health plan so why miss out Download today from the App Store Just keep in mind you must be an Aetna commercial non Medicare member who s at least 18 years old and you need an iPhone Goals and suggested health actions shouldn t replace your doctor s advice If you have a medical condition that prevents you from meeting your goals or if your doctor advises you not to take part in physical activity there may be an opportunity for you to earn the same reward in other ways Eligibility for particular incentives varies by health plan type and location Download the Attain by Aetna app and sign in to see which categories of incentives are available to you Other eligibility and participation requirements including certain state restrictions and exclusions may apply

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Aetna member website and Aetna Health app SM Manage your benefits connect to care handle claims from anywhere Once you re a member here s how you can connect Your Aetna member website Go to Aetna com to create an account and log in to your member website As a member you can your health plan summary and get View information about what s covered spending and progress toward your Track deductible for you and your family and pay claims even see the View breakdown of your costs like what s covered by your plan and what you re responsible for The Aetna Health app Get the Aetna Health app by texting GETAPP to 90156 for a link to download the app and create an account Message and data rates may apply tools to help you choose quality Use in network providers including those offering telemedicine services Estimate and compare costs personalized reminders to help Get improve your health Terms and conditions Bit ly 2nlJFYG Privacy policy Aetna com legal notices privacy html By texting 90156 you consent to receive a one time marketing automated text message from Aetna with a link to download the Aetna Health app Consent is not required to download the app You can also download it from the App Store or the Google Play store

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Managing costs It s always important to plan ahead stretch your health care dollars and avoid any surprise bills And we re here to help you do just that Before you go for care simply compare costs for over 650 medical tests services and procedures at up to 10 doctors facilities hospitals at once You can also see estimated costs for in network vs out of network care All right on your Aetna member website

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Managing costs Aetna Discount Program Instant savings on your favorite healthy living products and services Save on gym memberships weight loss programs vision services hearing aids and more with any health 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 to start saving Fitness Discounts There s no stopping you When you take the stairs snack healthy or kick a bad habit your body gets stronger And now here s a little motivation to help you keep up the good work good savings With your Aetna plan you get discounts on gym memberships health coaching and much more Weight Management Discounts A healthier body with a little help To manage your weight with success a little support is always nice And you ve got it right here great savings on today s most popular weight loss programs and meal plans These discounts are included with your Aetna health benefits and insurance plan Your covered family members can use them too Hearing Discounts Hear better for less Need a little help with your hearing Here s a great way to save on essentials like hearing aids exams and even batteries It s a nice perk for Aetna members And the discounts are instant so you save on the spot Aetna Vision Discounts The clearer way to enjoy savings Your 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 options You can even save on things that don t need a prescription like sunglasses eyeglass chains lens cases and cleaners Natural Products Services ChooseHealthy Give your health a natural boost Enjoy instant discounts on therapeutic massage acupuncture even chiropractic visits This perk is included with your Aetna benefits and insurance plan Discounts don t apply to visits claims submitted to your health insurance plan Natural products and services are offered through ChooseHealthy a program provided by ChooseHealthy Inc which is a subsidiary of American Specialty Health Incorporated ASH ChooseHealthy is a registered trademark of ASH and is used with permission

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Not all services are covered See plan documents for a complete description of benefits exclusions and limitations of coverage Plan features and availability may vary by location and are subject to change Providers are independent contractors and are not agents of Aetna Provider participation may change without notice Refer to Aetna com for more information about Aetna plans You can view or print your plan disclosure from our Aetna com individuals families member rights resources rights disclosure information html Health 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 Health Inc In Maryland by Aetna Health Inc 151 Farmington Avenue Hartford CT 06156 Each insurer has sole financial responsibility for its own products Aetna and CVS Specialty are part of the CVS Health family of companies Health 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 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 your CVS HealthHUB store for details Pharmacy services provided by CVS Pharmacy Inc Clinical services within a CVS HealthHUB location provided by a MinuteClinic nurse practitioner or physician assistant except if otherwise indicated Teladoc is not available to all members Teladoc and Teladoc physicians are independent contractors and are not agents 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 other countries 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 to discounts off the regular charge on products and services offered by third party vendors and providers Aetna makes no payment to the third parties you are responsible for the full cost Check any insurance plan benefits you have before using these discount offers as those benefits may give you lower costs than these discounts Not available to New York policyholders Aetna com 2020 Aetna Inc 00 02 528 1 8 21 PrestigePEO

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CVS Caremark Mail Service Pharmacy Save time and skip the pharmacy line Your medicine in your mailbox Mail service perks With CVS Caremark Mail Service Pharmacy you can get your medicine sent to your home or anywhere you choose Fast reorders with no trips to the pharmacy This service is for medicine you take regularly for chronic conditions such as arthritis and high cholesterol Privacy since your medicine arrives in unmarked secure packaging Free standard shipping to your home job or wherever you choose You don t pay extra for this service It s included with your pharmacy benefits and insurance plan It s just a simple way to help you stay on track with your medicine So you can be at your healthiest 05 03 493 1 C 7 20 Your safety comes first Registered pharmacists check each and every order And if you have concerns or questions you can call them anytime Aetna com

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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 2020 Aetna Inc 05 03 493 1 C 7 20 Aetna com

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What matters most CVS Specialty Specialty medications with personalized support Focus on you You ll always have the specialty medicine and supplies you need with CVS Specialty We also offer personalized support every step of the way And make it easy to manage your medicines We handle them with special care and convenient delivery So you can spend time on what matters most to you Coverage of your specialty medicine Your pharmacy plan covers some drugs and your medical plan covers others Depending on your plan you may need to pay a copayment or coinsurance And certain drugs require precertification This just means you need approval from the plan before they ll be covered Talk with you provider or call us at the number on the back of your member ID card if you have any questions about coverage of your medicine Delivering more than medicine to over 1 3 million members Internal data based on the number of CVS Specialty patients as of 2019 In Idaho health benefits and health insurance plans are offered and or underwritten by Aetna Health of Utah Inc and Aetna Life Insurance Company For all other states health benefits and health insurance plans are offered and or underwritten by Aetna Health Inc Aetna Health of California Inc Aetna Health Insurance Company of New York Aetna Health Insurance Company 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 Aetna com 05 03 523 1 A 7 20

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Making it simple for you Your Care team Convenient delivery flexible payments 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 CVS Specialty provides Remind you when it s time to refill Help you stay on track with your treatment 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 Help you manage symptoms and side effects 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

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You ve got Teladoc Access to quality care at your fingertips General Medical 49 or less visit Talk to a licensed doctor for non emergency conditions 24 7 Flu Sinus infections Sore throats And more Mental Health 85 or less therapist visit 190 or less psychiatrist first visit 95 psychiatrist ongoing visit Talk to a therapist 7 days a week 7 a m to 9 p m local time Dermatology 75 or less consult Upload images of a skin issue online and get a custom treatment plan within 2 days Eczema Acne Rashes And more Download the Teladoc app today Set up your account or log in today Teladoc com Aetna 1 855 Teladoc 835 2362 Teladoc Health Inc All rights reserved Teladoc and the Teladoc logo are registered trademarks of Teladoc Health Inc For a complete description of the Teladoc program and the limitations of Teladoc services visit Teladoc com Aetna 442274160_04202021

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Your path to well being Living well means so much more than having low blood pressure a strict workout regimen or a low carb diet Well being is made up of all the factors that allow you to be your best and they re all connected For example think about the last time you felt stressed How did it affect you physically or impact your relationships It takes a total approach to health to achieve well being The six dimensions1 to well being Try focusing on these areas to find your healthy place 1 Physical health Taking care of your body and being able to carry out the important tasks in life now and into the future 4 Social connectedness Having close meaningful and supportive relationships and feeling like you re part of a community 2 Emotional health Being satisfied with life having good mental health and being able to deal with difficult emotions 5 Character strengths Feeling consistent thoughts and taking actions that contribute to the good of yourself and others 3 Financial security Feeling good about your current and future finances without worrying too much about making ends meet 6 Purpose Having a sense of meaning in life and pursuing what s most important to you Aetna com 45 03 913 1 A 12 19

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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 Social connectedness Surround yourself with good friends Join a club to meet other people who share your interests Emotional health Practice deep breathing to help manage stress Try to focus on the positives in life Character strengths Find ways to continue to grow your skills and knowledge Volunteer mentor or get involved in your community Financial security Plan for your future consider hiring a certified professional planner to help Reduce debt and keep a monthly budget 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 Determinants 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 1 Aetna com 2019 Aetna Inc 45 03 913 1 A 12 19

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Dental Metropolitan Life Insurance Company Plan Design for Prestige PEO Holdings LLC Date Prepared September 7 2021 The 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 Type A Preventive Type B Basic Restorative Type C Major Restorative Type D Orthodontia In Network1 of PDP Fee 100 80 50 50 Out of Network1 2 of R C Fee4 100 80 50 50 Deductible3 Individual Family 50 150 50 150 5000 5000 Annual Maximum Benefit Per Individual Orthodontia Lifetime Maximum Ortho applies to Child Only 1 2 3 4 Child to age 19 1000 per Person 1000 per Person In Network Benefits refers to benefits provided under this plan for covered dental services that are provided by a participating dentist Out of Network Benefits refers to benefits provided under this plan for covered dental services that are not provided by a participating dentist 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 Applies to Type B and C services only Out of network benefits are payable for services rendered by a dentist who is not a participating provider The Reasonable and 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 by MetLife the Customary Charge For your plan the Customary Charge is based on the 90th percentile Services must be necessary in terms of generally accepted dental standards DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Cancellation Termination of Benefits Coverage is provided under a group insurance policy Policy form GPN99 issued by Metropolitan Life Insurance Company Subject to the terms of the group policy rates are effective for one year from your plan s effective date Once coverage is issued the terms of the group policy permit Metropolitan Life Insurance Company to change rates during the year in certain circumstances Coverage terminates when your full time employment ceases when your dental contributions cease or upon termination of the group policy by the Policyholder The group policy may also terminate if participation requirements are not met or on the date of the employee s death if the Policyholder fails to perform any obligations under the policy or at MetLife s option The dependent s coverage terminates when a dependent ceases to be a dependent There is a 30 day limit for the following services that are in progress Completion of a prosthetic device crown or root canal therapy after individual termination of coverage IMPORTANT ENROLLMENT INFORMATION You may only enroll for Dental Expense Benefits within 31 days of your Personal Benefits Eligibility Date or if you have a Qualifying Event or during the Plan s Annual Open Enrollment Period Qualifying Event Request to be covered or to change your coverage upon a Qualifying Event If there is a Qualifying Event you may request to be covered or to change your coverage only within 31 days of a Qualifying Event Such a request will not be a late request Except for marriage or the birth or adoption of a child you must give us proof of prior dental coverage under your spouse s plan if you are requesting coverage under this Plan because of a loss of the prior dental coverage If you make a request to be covered under this Plan or request a change s in coverage under this Plan within thirty one days of a Qualifying Event your coverage or the change s in coverage will become effective on the first day of the month following the date of your request subject to the Active Work Requirement and provided that the change in coverage is consistent with your new family status DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Selected Covered Services and Frequency Limitations Type A Preventive Y4 Oral Examinations Full Mouth X rays Bitewing X rays Adult Child Prophylaxis Cleanings Topical Fluoride Applications Sealants Space Maintainers Periodontal Maintenance How Many How Often 1 in 6 months 1 in 60 months 1 in 6 months 1 in 6 months 1 in 12 months Children to age 19 1 in 60 months Children to age 14 No limit Children up to age 19 4 in 1 year includes 2 cleanings Type B Basic Restorative Amalgam and Composite Fillings Endodontics Root Canal Periodontal Surgery Periodontal Scaling Root Planing Oral Surgery Simple Extractions Oral Surgery Surgical Extractions Other Oral Surgery Emergency Palliative Treatment General Anesthesia Consultations How Many How Often 1 in 24 months Anterior teeth only 1 per tooth in 24 months 1 in 36 months per quadrant 1 in 24 months per quadrant 1 in 12 months How Many How Often Type C Major Restorative Crowns Inlays Onlays Prefabricated Crowns Repairs Bridges Dentures Implant Services 1 per tooth in 60 months 1 per tooth in 10 years 1 in 10 years 1 in 10 years 1 service per tooth in 10 years 1 repair per 12 months Type 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 monthly basis during the scheduled course of the orthodontic treatment Allowable expenses for the initial placement periodic follow up visits and procedures performed in connection 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 the least costly treatment alternative If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based you will be responsible for any additional payment responsibility To avoid any misunderstandings we suggest you discuss treatment options with your dentist before services are rendered and obtain a pretreatment estimate of benefits prior to receiving certain high cost services such as crowns bridges or dentures You and your dentist will each receive an Explanation of Benefits EOB outlining the services provided your plan s reimbursement for those services and your out of pocket expense Actual payments may vary from the pretreatment estimate 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 services within each category but is not a complete description of the Plan Please see your Plan description Insurance certificate for complete details In the event of a conflict with this summary the terms of your insurance certificate will govern DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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We will not pay Dental Insurance benefits for charges incurred for 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Services which are not Dentally Necessary those which do not meet generally accepted standards of care for treating the particular dental condition or which We deem experimental in nature Services for which You would not be required to pay in the absence of Dental Insurance Services or supplies received by You or Your Dependent before the Dental Insurance starts for that person Services which are primarily cosmetic For residents of Texas see notice page section in your certificate Services which are neither performed nor prescribed by a Dentist except for those services of a licensed dental hygienist which 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 Services or appliances which restore or alter occlusion or vertical dimension Restoration of tooth structure damaged by attrition abrasion or erosion Restorations or appliances used for the purpose of periodontal splinting Counseling or instruction about oral hygiene plaque control nutrition and tobacco Personal supplies or devices including but not limited to water piks toothbrushes or dental floss Decoration personalization or inscription of any tooth device appliance crown or other dental work Missed appointments 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 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 paid under 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 the North Carolina Workers compensation Act or for persons who are not covered in North Carolina services paid or payable under any workers compensation or occupational disease law This exclusion only applies for North Carolina Sitused Groups 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 Services covered under any workers compensation occupational disease or employer liability law for which the employee or Dependent received benefits under that law This exclusion only applies for Virginia Sitused Groups 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 Services covered under other coverage provided by the Employer Temporary or provisional restorations Temporary or provisional appliances Prescription drugs Services for which the submitted documentation indicates a poor prognosis 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 Dental services arising out of accidental injury to the teeth and supporting structures except for injuries to the teeth due to chewing or biting of food For NY Sitused Groups this exclusion does not apply Caries susceptibility tests Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance except for congenitally missing natural teeth Other fixed Denture prosthetic services not described elsewhere in this certificate Precision attachments except when the precision attachment is related to implant prosthetics Initial installation or replacement of a full or removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance except for congenitally missing natural teeth Addition of teeth to a partial removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance except for congenitally missing natural teeth Adjustment of a Denture made within 6 months after installation by the same Dentist who installed it DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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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 for Dental Insurance except for congenitally missing natural teeth 34 Fixed and removable appliances for correction of harmful habits 1 35 Appliances or treatment for bruxism grinding teeth including but not limited to occlusal guards and night guards 1 36 Diagnosis and treatment of temporomandibular joint TMJ disorders This exclusion does not apply to residents of Minnesota 1 37 Repair or replacement of an orthodontic device 1 38 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 Care Practitioner or Health Care Practitioner s immediate family or both own a Beneficial Interest or have a Compensation Agreement 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 Maryland Health Occupations Article This exclusion only applies for Maryland Sitused Groups 1 Some of these exclusions may not apply Please see your Certificate of Insurance DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Common Questions Important Answers Who is a participating dentist A participating or network dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services provided to plan members subject to any deductibles copayments cost sharing and benefit maximums Negotiated fees typically range from 30 45 below the average fees charged in a dentist s community for the same or substantially similar services In addition to the standard MetLife network your employer may provide you with access to a select network of dental providers that may be unique to your employer s dental program When visiting these providers you may receive a better benefit have lower out of pocket costs and or have access to care at facilities at your worksite Please sign into MyBenefits for more 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 of the 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 You can receive a list of these participating dentists online at www metlife com dental or call 1 800 275 4638 to have a list faxed or mailed 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 your dentist to visit www metdental com or call 1 866 PDP NTWK for an application The website and phone number are for use by 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 even receive email alerts when a claim has been processed If you need a claim form visit www metlife com dental or request one by calling 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 and requests an estimate of benefits The estimate helps you prepare for the cost of dental services We recommend that you request a pre treatment estimate for services in excess of 300 Simply have your dentist submit a request online at www metdental com or 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 your out 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 not affiliated 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 by more than one dental benefits plan These rules determine the order in which the plans will pay benefits If the MetLife dental benefit plan is primary MetLife will pay the full amount of benefits that would normally be available under the plan If the MetLife dental benefit plan is secondary most coordination of benefits provisions require MetLife to determine benefits after benefits have been determined under the primary plan The amount of benefits payable by MetLife may be reduced due to the benefits paid under the primary plan Do I need an ID card DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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No You do not need to present an ID card to confirm that you are eligible You should notify your dentist that you are enrolled in a MetLife Dental Plan Your dentist can easily verify information about your coverage through a toll free automated Computer Voice Response system Do my dependents have to visit the same dentist that I select No You and your dependents each have the freedom to choose any dentist DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Dental Metropolitan Life Insurance Company Plan Design for Prestige PEO Holdings LLC Date Prepared September 7 2021 The 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 Type A Preventive Type B Basic Restorative Type C Major Restorative Type D Orthodontia In Network1 of PDP Fee 100 80 50 50 Out of Network1 2 of R C Fee4 100 80 50 50 Deductible3 Individual Family 50 150 50 150 2000 2000 Annual Maximum Benefit Per Individual Orthodontia Lifetime Maximum Ortho applies to Child Only 1 2 3 4 Child to age 19 1000 per Person 1000 per Person In Network Benefits refers to benefits provided under this plan for covered dental services that are provided by a participating dentist Out of Network Benefits refers to benefits provided under this plan for covered dental services that are not provided by a participating dentist 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 Applies to Type B and C services only Out of network benefits are payable for services rendered by a dentist who is not a participating provider The Reasonable and 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 by MetLife the Customary Charge For your plan the Customary Charge is based on the 80th percentile Services must be necessary in terms of generally accepted dental standards DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Cancellation Termination of Benefits Coverage is provided under a group insurance policy Policy form GPN99 issued by Metropolitan Life Insurance Company Subject to the terms of the group policy rates are effective for one year from your plan s effective date Once coverage is issued the terms of the group policy permit Metropolitan Life Insurance Company to change rates during the year in certain circumstances Coverage terminates when your full time employment ceases when your dental contributions cease or upon termination of the group policy by the Policyholder The group policy may also terminate if participation requirements are not met or on the date of the employee s death if the Policyholder fails to perform any obligations under the policy or at MetLife s option The dependent s coverage terminates when a dependent ceases to be a dependent There is a 30 day limit for the following services that are in progress Completion of a prosthetic device crown or root canal therapy after individual termination of coverage IMPORTANT ENROLLMENT INFORMATION Benefits Plan Effective Date Please see the enclosed cover sheet for specifics on your Plan s effective date Important Enrollment Provisions If Timely Request Is Made A timely request for Personal Dental Expense Benefits is one that is made on or prior to the date thirty one days after your Personal Benefits Eligibility Date If Late Request Is Made If a request is not a timely request it is a late request If you make a late request for Personal Dental Expense Benefits your Personal Dental Expense Benefits will become effective after you satisfy the waiting period s shown below The waiting period begins on the date of your request Preventive Services No waiting period Basic Restorative Services Fillings 6 month waiting period Basic All Other Services 12 month waiting period Major Services 24 month waiting period Orthodontia Services if applicable 24 month waiting period Qualifying Event Request to be covered or to change your coverage upon a Qualifying Event If there is a Qualifying Event you may request to be covered or to change your coverage only within 31 days of a Qualifying Event Such a request will not be a late request Except for marriage or the birth or adoption of a child you must give us proof of prior dental coverage under your spouse s plan if you are requesting coverage under this Plan because of a loss of the prior dental coverage If you make a request to be covered under this Plan or request a change s in coverage under this Plan within thirty one days of a Qualifying Event your coverage or the change s in coverage will become effective on the first day of the month following the date of your request subject to the Active Work Requirement and provided that the change in coverage is consistent with your new family status DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Selected Covered Services and Frequency Limitations Type A Preventive Y4 Oral Examinations Full Mouth X rays Bitewing X rays Adult Child Prophylaxis Cleanings Topical Fluoride Applications Sealants Space Maintainers Periodontal Maintenance How Many How Often 1 in 6 months 1 in 60 months 1 in 6 months 1 in 6 months 1 in 12 months Children to age 19 1 in 60 months Children to age 14 No limit Children up to age 19 4 in 1 year includes 2 cleanings Type B Basic Restorative Amalgam and Composite Fillings Oral Surgery Simple Extractions Oral Surgery Surgical Extractions Other Oral Surgery Emergency Palliative Treatment General Anesthesia Consultations How Many How Often 1 in 24 months Anterior teeth only 1 in 12 months How Many How Often Type C Major Restorative Crowns Inlays Onlays Prefabricated Crowns Repairs Endodontics Root Canal Periodontal Surgery Periodontal Scaling Root Planing Bridges Dentures 1 per tooth in 60 months 1 per tooth in 10 years 1 per tooth in 24 months 1 in 36 months per quadrant 1 in 24 months per quadrant 1 in 10 years 1 in 10 years Type 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 monthly basis during the scheduled course of the orthodontic treatment Allowable expenses for the initial placement periodic follow up visits and procedures performed in connection 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 the least costly treatment alternative If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based you will be responsible for any additional payment responsibility To avoid any misunderstandings we suggest you discuss treatment options with your dentist before services are rendered and obtain a pretreatment estimate of benefits prior to receiving certain high cost services such as crowns bridges or dentures You and your dentist will each receive an Explanation of Benefits EOB outlining the services provided your plan s reimbursement for those services and your out of pocket expense Actual payments may vary from the pretreatment estimate 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 services within each category but is not a complete description of the Plan Please see your Plan description Insurance certificate for complete details In the event of a conflict with this summary the terms of your insurance certificate will govern DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Dental Metropolitan Life Insurance Company Plan Design for Prestige PEO Holdings LLC Date Prepared September 7 2021 The 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 Type A Preventive Type B Basic Restorative Type C Major Restorative Type D Orthodontia Deductible3 Individual Family Annual Maximum Benefit Per Individual Orthodontia Lifetime Maximum Ortho applies to Child Only 1 2 3 In Network1 Out of Network1 100 300 100 300 1000 1000 of PDP Fee 100 60 40 50 of PDP Fee2 100 60 40 50 2 1000 per Person Child to age 19 1000 per Person In Network Benefits refers to benefits provided under this plan for covered dental services that are provided by a participating dentist Out of Network Benefits refers to benefits provided under this plan for covered dental services that are not provided by a participating dentist 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 Applies to Type B and C services only DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Cancellation Termination of Benefits Coverage is provided under a group insurance policy Policy form GPN99 issued by Metropolitan Life Insurance Company Subject to the terms of the group policy rates are effective for one year from your plan s effective date Once coverage is issued the terms of the group policy permit Metropolitan Life Insurance Company to change rates during the year in certain circumstances Coverage terminates when your full time employment ceases when your dental contributions cease or upon termination of the group policy by the Policyholder The group policy may also terminate if participation requirements are not met or on the date of the employee s death if the Policyholder fails to perform any obligations under the policy or at MetLife s option The dependent s coverage terminates when a dependent ceases to be a dependent There is a 30 day limit for the following services that are in progress Completion of a prosthetic device crown or root canal therapy after individual termination of coverage IMPORTANT ENROLLMENT INFORMATION Benefits Plan Effective Date Please see the enclosed cover sheet for specifics on your Plan s effective date Important Enrollment Provisions If Timely Request Is Made A timely request for Personal Dental Expense Benefits is one that is made on or prior to the date thirty one days after your Personal Benefits Eligibility Date If Late Request Is Made If a request is not a timely request it is a late request If you make a late request for Personal Dental Expense Benefits your Personal Dental Expense Benefits will become effective after you satisfy the waiting period s shown below The waiting period begins on the date of your request Preventive Services No waiting period Basic Restorative Services Fillings 6 month waiting period Basic All Other Services 12 month waiting period Major Services 24 month waiting period Orthodontia Services if applicable 24 month waiting period Qualifying Event Request to be covered or to change your coverage upon a Qualifying Event If there is a Qualifying Event you may request to be covered or to change your coverage only within 31 days of a Qualifying Event Such a request will not be a late request Except for marriage or the birth or adoption of a child you must give us proof of prior dental coverage under your spouse s plan if you are requesting coverage under this Plan because of a loss of the prior dental coverage If you make a request to be covered under this Plan or request a change s in coverage under this Plan within thirty one days of a Qualifying Event your coverage or the change s in coverage will become effective on the first day of the month following the date of your request subject to the Active Work Requirement and provided that the change in coverage is consistent with your new family status DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Selected Covered Services and Frequency Limitations Type A Preventive Y4 Oral Examinations Full Mouth X rays Bitewing X rays Adult Child Prophylaxis Cleanings Topical Fluoride Applications Sealants Space Maintainers Periodontal Maintenance How Many How Often 1 in 6 months 1 in 60 months 1 in 6 months 1 in 6 months 1 in 12 months Children to age 19 1 in 60 months Children to age 14 No limit Children up to age 19 4 in 1 year includes 2 cleanings Type B Basic Restorative Amalgam and Composite Fillings Oral Surgery Simple Extractions Oral Surgery Surgical Extractions Other Oral Surgery Emergency Palliative Treatment General Anesthesia Consultations How Many How Often No Limit Anterior teeth only 1 in 12 months How Many How Often Type C Major Restorative Crowns Inlays Onlays Prefabricated Crowns Repairs Endodontics Root Canal Periodontal Surgery Periodontal Scaling Root Planing Bridges Dentures 1 per tooth in 10 years 1 per tooth in 10 years 1 in 12 months 1 per tooth in 24 months 1 in 36 months per quadrant 1 in 24 months per quadrant 1 in 10 years 1 in 10 years Type 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 monthly basis during the scheduled course of the orthodontic treatment Allowable expenses for the initial placement periodic follow up visits and procedures performed in connection 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 the least costly treatment alternative If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based you will be responsible for any additional payment responsibility To avoid any misunderstandings we suggest you discuss treatment options with your dentist before services are rendered and obtain a pretreatment estimate of benefits prior to receiving certain high cost services such as crowns bridges or dentures You and your dentist will each receive an Explanation of Benefits EOB outlining the services provided your plan s reimbursement for those services and your out of pocket expense Actual payments may vary from the pretreatment estimate 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 services within each category but is not a complete description of the Plan Please see your Plan description Insurance certificate for complete details In the event of a conflict with this summary the terms of your insurance certificate will govern DN GCERT GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0720006170 exp1221 xNM

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Dental Frequently Asked Questions How a Dental HMO Managed Care Plan can mean more than a healthy smile With a MetLife Dental HMO Managed Care Plan 1 you may be able to benefit from significant savings on routine preventative care and not so routine dental treatments and procedures Q How do I select a participating dentist A You can select one of the thousands of carefully screened dentists who participate in the network2 by visiting our online Find a Dentist directory at metlife com Q Who can enroll in the plan A You and your eligible family members For example your spouse and dependents Q Are all members of my family required to choose the same dentist A No Each family member may select a different dentist and may change his or her selection up to once a month ADF D2378 20 Q What if I or someone in my family needs a specialist A Your primary dentist coordinates all specialty care Q What about out of network coverage A Benefits are available only with participating providers There are no out of network benefits unless the member has an out of area emergency Q What types of services does the plan cover A More than 400 services and procedures are covered including cleanings crowns extractions orthodontics veneers implants root canals and X rays

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Dental Frequently Asked Questions 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 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 Q What about waiting periods A There are no waiting periods annual maximums or claim forms Have other questions Please call MetLife directly at 1 800 GET MET8 1 800 438 6388 and talk with a benefits consultant 1 Dental Managed Care Plan benefits are provided by Metropolitan Life Insurance Company a New York corporation in NY Dental HMO plan benefits are 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 Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 L0121010762 exp0322 CA FL NJ NY TX 2021 MetLife Services and Solutions LLC

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www metlife com mybenefits How to Register on MyBenefits MyBenefits 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 Name Step 1 Enter Personal Information Step 3 Security Verification Questions Enter your first and last name identifying data and e mail address Now you will need to choose and answer three identity verification questions to be utilized in the event you forget your password Access MyBenefits at www metlife com mybenefits and enter your group name Prestige Employee Administrators Inc and click Submit Step 4 Terms of Use Finally you will be asked to read and agree to the website s Terms of Use Step 5 Process Complete Now you will be brought to the Thank You page Step 2 Create a User Name and Password The Login Screen On 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 2018 MetLife Services and Solutions LLC L0318503786 All States Lastly a confirmation of your registration will be sent to the email address you provided during registration Then you will need to create a unique user name and password for future access to MyBenefits 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 Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 www metlife com

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DENTAL How to find a PPO or DHMO dentist There are three ways to find an in network dentist Online 1 Go to www sunlife com findadentist 2 You now have three ways to search for a dentist near you a Search with your Group ID b Log into your Sun Life account c Select your PPO or DHMO network from the lists provided 3 A ll three of these methods will bring you to the dentist search screen Simply complete that form and a list of your local dentists will be generated Mobile App 1 Download our mobile app Benefit Tools available for Android or iPhone 2 Select Find a Dentist Android 3 You now have three ways to search for a dentist near you a Log into your Sun Life account b Search with your Group ID c Select your PPO or DHMO network from the lists provided iPhone 4 All three of these methods will bring you to the dentist search screen Simply complete that form and a list of your local dentists will be generated Phone 800 442 7742 If 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 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 UDCCA GA06 UDC UDC CA GA06 89 FB NJ 0281 UDC 09 GDSA TX PDC in certain states except New York Prepaid dental companies are Denticare of Alabama Inc United Dental Care of Arizona Inc UDC Dental California Inc United Dental Care of Colorado Inc Union Security DentalCare of Georgia Inc United Dental Care of Missouri Inc Union Security DentalCare of New Jersey Inc United Dental Care of New Mexico Inc UDC Ohio Inc United Dental Care of Texas Inc and United Dental Care of Utah Inc In New York group insurance policies are underwritten by Sun Life and Health Insurance Company U S SLHIC Lansing MI under Policy Form Series 15 GP 01 16 DEN C 01 and prepaid dental products are provided and administered by SLHIC under Form Series BDC GDSA NY 2019 Sun Life Assurance Company of Canada Wellesley Hills MA 02481 All rights reserved Sun Life and the globe symbol are trademarks of Sun Life Assurance Company of Canada Visit us at www sunlife com us GDFL 6367d

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DENTAL Tips 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 Check out our short video for stepby step instructions on downloading your Dental ID card at www brainshark com sunlife Dental ID Card Online Services Find a Dentist 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 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 Benefit Tools mobile app 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 Benefit 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 Dental Health Center Apple download We look forward to providing you and your family with dental benefits and great service 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 UDCCA 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 GDFL 6866 NP g 02 19 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

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Life s brighter under the sun ONLINE ADVANTAGE Quick 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 Questions What is Online Advantage How can Online Advantage help you We provide online support 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 You can with a friendly dedicated team willing to assist you by e mail or phone Give Online Advantage a try register today 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 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 F ind a vision or dental network provider and or specialist ccess our Dental Health Center where A you can ask a question estimate the cost of service or learn about dental issues Benefit Tools Many of these services are also available on our mobile app Benefit Tools Download it today Android download Apple download Give Online Advantage a try register today For more information or to register by phone call 800 733 7879 extension 7600 1 Hospital Confinement Indemnity Gap claim status is not available online www sunlife com us WFL ALG 6097h 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 KC4545A J SLPC 27604 08 16

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Vision Benefit Summary www myuhcvision com Customer Service 800 638 3120 Provider Locator 800 839 3242 Comprehensive Vision Exam Materials Eyeglass Lenses Eyeglass Frames or Contact Lenses Frequencies Based on last date of service COVERED SERVICES Pair of Lenses for Eyewear Standard single vision lenses Standard lined bifocal lenses Standard lined trifocal lenses Standard lenticular lenses Plan V1077 NETWORK NON NETWORK 10 Copay Up to 40 See below 25 Copay Exam Once every 12 months Lenses Once every 12 months Frames Once every 24 months NETWORK NON NETWORK Covered in full after applicable copay Up to 40 Up to 60 Up to 80 Up to 80 Includes standard scratch resistant coating Lens options such as progressive lenses tints UV and anti reflective coating may be available at a discount at participating providers Frames You 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 Contact Lenses Covered contact lens selection It is important to note the covered contact lens selection may vary by provider but does include the most popular brands on the market today A complete list can be found by visiting our website www myuhcvision com Non selection contacts You receive an allowance which is applied toward the fitting evaluation fees and purchase of contact lenses outside the covered contact lens selection Necessary contact lenses 4 Bullet Necessary contact lenses 1 130 Retail Frame Allowance after applicable copay Up to 45 Up to 4 boxes of contact lenses plus the fitting evaluation fees and up to two follow up visits are covered in full Up to 125 after applicable copay Up to 125 material copay is waived Up to 125 Covered in full after applicable copay Up to 210 The 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 2 Contact lenses are in lieu of eyeglass lenses and or eyeglass frames 3 Coverage 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 4 Necessary contact lenses are determined at the provider s discretion for one or more of the following conditions Following cataract surgery without intraocular lens implant to correct extreme vision problems that cannot be corrected with eyeglass lenses and or eyeglass frames with certain conditions of anisometropia keratoconus irregular corneals astigmatism aphakia facial deformity or corneal deformity If your provider considers your contacts necessary you should ask your provider to contact UnitedHealthcare concerning the reimbursement that UnitedHealthcare will make before you purchase such contacts

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Vision Benefit Summary www myuhcvision com Customer Service 800 638 3120 Provider Locator 800 839 3242 Plan V1077 Important to Remember Network Always identify yourself as a UnitedHealthcare customer when making your appointment This will assist your provider in obtaining a claim authorization before your visit Your participating provider will help you determine which contact lenses are available in the UnitedHealthcare selection Your contact lens allowance is applied to the fitting evaluation fees as well as the purchase of non covered selection contact lenses For example if your allowance is 125 and the fitting fee and evaluation is 35 you will have 90 toward the purchase of non selection contact lenses Evaluation and fitting fees may vary among providers and type of fitting required Your material copay is waived when purchasing non selection contacts Patient options such as UV coating progressive lenses etc which are not covered in full may be available at a discount at participating providers Choice and Access of Vision Care Providers UnitedHealthcare offers its vision program through a national network including both private practice and retail chain providers To access the Provider Locator service visit our Web site at www myuhcvision com or call 1 800 839 3242 24 hours a day seven days a week You may also view your benefits search for a provider or print an ID card online at www myuhcvision com Retain this UnitedHealthcare vision benefit summary which includes detailed benefit information and instructions on how to use the program Please refer to your Certificate of Coverage for a full explanation of benefits Network Provider Copays and non covered patient options are paid to provider by program participant at the time of service Non Network Provider Participant pays full fee to the provider and UnitedHealthcare reimburses the participant for services rendered up to the maximum allowance Copays do not apply to non network benefits All receipts must be submitted at the same time Written proof of loss should be given to the Company within 90 days after the date of the loss If it was not reasonably possible to give written proof in the time required the Company will not reduce or deny the claim for this reason However proof must be filed as soon as reasonably possible but no later than 1 year after the date of service unless the Covered Person was legally incapacitated Additional Materials Benefit UnitedHealthcare offers an additional Materials Discount Program At a participating network provider you will receive a 20 discount on an additional pair of eyeglasses or contact lenses This program is available after your vision benefits have been exhausted Please note that this discount shall not be considered insurance and that UnitedHealthcare shall neither pay nor reimburse the provider or member for any funds owed or spent Not all providers may offer this discount Please contact your provider to see if they participate Discounts on contact lenses may vary by provider Additional materials do not have to be purchased at the time of initial material purchase Additional materials can be purchased at a discount any time after the insured benefit has been used Customer Service is available toll free at 1 800 638 3120 from 8 00 a m to 11 00 p m Eastern Time Monday through Friday and 9 00 a m to 6 30 p m Eastern Time on Saturday This Benefit Summary is intended only to highlight your benefits and should not be relied upon to fully determine coverage This benefit plan may not cover all of your healthcare expenses More complete descriptions of benefits and the terms under which they are provided are contained in the certificate of coverage that you will receive upon enrolling in the plan If this Benefit Summary conflicts in any way with the Policy issued to your employer the Policy shall prevail UnitedHealthcare Vision coverage provided by or through UnitedHealthcare Insurance Company located in Hartford Connecticut or its 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 and associated COC form number VCOC INT 06 TX Plan V1077 ODSVPI 02A 100 11826 6 12 2012 United HealthCare Services Inc

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UHC2979 OnIDflyer UHC 8 3 10 1 45 PM Page 1 Your vision benefit just became clearer UnitedHealthcare Vision is pleased to announce that we now offer the ability to print personalized ID cards from our website The UnitedHealthcare Vision benefit is still paperless It is not necessary to have an ID card for service but we know through member feedback that many members are accustomed to using an ID card so now an ID card is available for your convenience Your ID card will be personalized with your name member ID as well as your exam and materials co pay amounts Print your ID card today It s quick and easy HOW TO ACCESS YOUR ONLINE ID CARD 1 2 3 4 5 Go to www myuhcvision com Log in Click on Click Here to Print Vision ID Card This generates a pdf with your personal benefit information Print It s that easy 2 3 SAMPLE PERSONALIZED ID CARD UnitedHealthcare Vision coverage provided by or through UnitedHealthcare Insurance Company or its affiliates Administrative services provided by Spectera Inc United HealthCare Services Inc or their affiliates Plans sold in Texas use policy form number VPOL 06 and associated COC form number VCOC INT 06 TX 7 2010 20115

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You Can Now Use Your Spectera Vision Benefits at GlassesUSA com Spectera members can now easily shop online for their eyewear needs at a great price with some upgrades included at no additional cost Get Value For Your Vision Insurance Benefits With GlassesUSA com Access to over 7 000 styles of glasses and sunglasses including the well known designer brands Scratch Resistant Coating at no additional cost Thousands of frames to choose from using your allowance including designer brands under most plans Anti Reflective Coating Anti Glare at no additional cost UV Coating at no additional cost Wide range of coatings and lenses available including Blue Light Blocking Mirrored Polarized Transitions Polycarbonate Digital Progressive and Thin High Index lenses Customer Satisfaction Customer first approach with 24 7 customer support Risk Free policy with free shipping and returns Easy to use website that allows members to use their benefits Virtual Try On that allows members to see how the glasses fit GlassesUSA com A Leading Online Eyewear Retailer In The US GlassesUSA com sells produces and ships thousands of customized glasses daily to customers and holds one of the largest collections of eyewear online The selection includes well known designer brands and established house brands manufactured by GlassesUSA com At GlassesUSA com UnitedHealthcare members will enjoy state of the art lens solutions that cover all prescription requirements for glasses and sunglasses Optimax dba GlassesUSA the Company reserves the right to terminate revoke modify alter add and delete any one or more of the terms and conditions outlined in this publication The Company shall be under no obligation to notify the user of the amendment to the terms and conditions and the user shall be bound by such amended terms and conditions Computer generated images walkthroughs and render images used on this brochure are the artist s impression and are an indicative of the actual designs The imagery used on the brochure may not represent actuals or may be indicative of style only The information on this brochure is presented as general information and no representation or warranty is expressly or impliedly given as to its accuracy completeness or correctness It does not constitute part of a legal offer or contract This brochure may unintentionally include inaccuracies or errors with respect to the description of a product or service a rendering a photo prices taxes features incentives etc Notwithstanding anything in no event shall the Company its promoters partners directors employees and agents be liable for any or all damages losses and causes of action including but not limited to negligence errors injury whether direct indirect consequential or incidental suffered or incurred by any person s or due to any use and or inability to use this publication or information or any action taken or abstained through this publication All trademarks are the property of their respective owners

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Use your vision benefits at Warby Parker You and anyone else covered on your plan can now shop for glasses at Warby Parker online and at their retail locations nationwide It s part of your UnitedHealthcare vision network Head to Warby Parker for eyeglasses and sunglasses both single vision and progressive starting at just 95 That means that you re eligible for a huge range of Warby Parker frames for just the cost of your copay Lenses are included Shop eyeglasses and sunglasses at warbyparker com or find a location near you You ll need your Member ID Find it on your ID card or at myuhcvision com You ll need it to check and apply benefits Can t find it Call Warby Parker at 855 550 0743 to have your benefits verified without it Check myuhcvision com to Confirm whether you have a benefit for eyeglasses Learn what your copay is Warby Parker s frames are designed in house and crafted from top tier materials Their eyeglasses come with scratch resistant smudge resistant and anti reflective treatments at zero additional cost And for every pair purchased a pair is distributed to someone in need Find out what your plan may cover after your copay Need to contact Warby Parker Call 855 550 0743 or email insurance warbyparker com warbyparker com united Questions about your benefits Call 1 800 638 3120 Please note that Warby Parker does not sell contact lenses Select Warby Parker locations offer eye exams See warbyparker com for details 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 Facebook com UnitedHealthcare Twitter com UHC Instagram com UnitedHealthcare MT 1168376 0 3 18 2018 United HealthCare Services Inc 18 7354 YouTube com UnitedHealthcare

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Specialty Benefits UnitedHealthcare Hearing Save on hearing aids and hear life to the fullest With your UnitedHealthcare vision plan you have access to hundreds of name brand and private label hearing aids plus convenient ordering options and personalized care from UnitedHealthcare Hearing Hearing health care made easier Treating your hearing loss may allow you to reconnect with the world around you and make it easier to engage with family and friends UnitedHealthcare Hearing gives you options care and convenience so you can start hearing the sounds you ve been missing Name brand and private label hearing aids at significant savings Choose from hundreds of name brand and private label hearing aids from major manufacturers including Beltone Oticon Phonak ReSound Signia Starkey Unitron Widex and more at savings of up to 80 off industry prices 1 More than 5 000 credentialed hearing provider locations Access the largest nationwide network2 of credentialed hearing professionals that provide hearing tests hearing aid evaluations and follow up support Convenient ordering Order hearing aids in person through a hearing provider or have them delivered right to your home in 5 10 business days CONTINUED Personal support every step of the way You ll receive access to professional nationwide support online tutorials hearing health tips and more so you can stay connected and get the most out of your hearing aids

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Custom programmed hearing aids for your unique hearing loss With a large selection of private label and name brand hearing aids and convenient home delivery and in person care options you can choose what works best for your needs Basic Reserve Entry Essential Standard Advanced Premium Hearing Aids Private label Private label Name brand Name brand Name brand Name brand Name brand Discounted Price 699 899 999 1 299 1 699 2 199 2 699 BTE RIC ITE Ultra Power BTE CIC Styles All styles 1 year supply Batteries Follow up Care 5 year supply Additional cost per follow up visit Hearing aid fitting and 3 follow up visits included within the first year after the 45 day trial period 70 days 45 days Trial Period Warranty 3 year extended warranty covers repair and a one time loss damage replacement Pricing valid through 12 31 20 and is subject to change without notice BTE behind the ear RIC receiver in canal ITE in the ear CIC completely in canal One time replacement cost may apply Contact UnitedHealthcare Hearing today and mention promo code UHC MYVISION to receive your discounted pricing Call 1 855 523 9355 TTY 711 Visit uhchearing com 1 Compared to industry average on a pair of hearing aids Consumer Reports 2017 2 2019 UnitedHealthcare Internal Data All trademarks are the property of their respective owners UnitedHealthcare Hearing is provided through UnitedHealthcare offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific hearing aid discounts This is not an insurance nor managed care product and fees or charges for services in excess of those defined in program materials are the member s responsibility UnitedHealthcare does not endorse nor guarantee hearing aid products services available through the hearing program This program may not be available in all states or for all group sizes Components subject to change 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 Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates Administrative services provided by United HealthCare Services Inc or their affiliates Facebook com UnitedHealthcare Twitter com UHC Instagram com UnitedHealthcare B2C EI2086564 0 3 20 2020 United HealthCare Services Inc 20 89223 C YouTube com UnitedHealthcare

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Basic Term Life AD D Metropolitan Life Insurance Company Plan Design for Prestige PEO Holdings LLC Date Prepared September 7 2021 For All Active Full Time Employees Whose Worksite Elects Flat 10 000 Benefit Employees working at least 30 hours per week Basic Life 10 000 Accidental Death Dismemberment An amount equal to Your Basic Life Insurance Plan Maximum 10 000 Non Medical Maximum 10 000 Age Reduction Formula reduces by 35 at age 65 58 at age 70 73 at age 75 80 at age 80 85 at age 85 89 at age 90 91 at age 95 Employee Contribution Basic Life AD D 0 0 Term Life Features 1 Continuation of Life insurance while totally disabled as defined by the Group Policy 2 Life Settlement Account 3 Additional Features WillsCenter com 4 AD D Features 1 Seat Belt Benefit 5 Child Care Benefit Life Settlement Account 3 LI GCERT BASIC GCERT Life Benefit Summary Air Bag Benefit Common Carrier Benefit 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L1120009094 exp1121 All States

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What Is Not Covered Like most insurance plans this plan has exclusions 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 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 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 administrator 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 the Basic 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 assets backing TCA are maintained in MetLife s general account and are subject to MetLife s creditors MetLife bears the investment risk of the assets backing the TCA and expects to earn income sufficient to pay interest to TCA Accountholders and to provide a profit on the 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 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 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 a private passenger car and wearing a properly fastened seat belt _or a child restraint if the insured is a child_ In such case his or her benefit can be increased by 10 percent of the Full Amount but not less than 1 000 or more than 25 000 LI GCERT BASIC GCERT Life Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L1120009094 exp1121 All States

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Supplemental Term Life Metropolitan Life Insurance Company Plan Design for Prestige PEO Holdings LLC Date Prepared September 7 2021 For 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 Life Coverage provides a benefit in the event of death Schedules Non Medical Maximum Overall Benefit Maximum AD D Coverage provides a benefit in the event of death or dismemberment resulting from a covered accident Schedules AD D Maximum Employee Contribution Spouse Child Spouse1 Child Increments of 10 000 Increments of 5 000 Flat Amount 1 000 2 000 4 000 5 000 or 10 000 100 000 25 000 10 000 The lesser of 5 times Your Basic Annual Earnings or 500 000 100 000 10 000 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 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 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 coverage option are shown below 5 Fill in the enrollment form with the amounts of coverage you are selecting To request coverage over the non medical maximum please see your Human Resources representative for a medical questionnaire that you will need to complete Remember you must purchase coverage for yourself in order to purchase coverage for your spouse or children LI GCERT SUPP OVER EOL Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0320002511 exp0422 All States

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Features 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 LI GCERT SUPP OVER EOL Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0320002511 exp0422 All States

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administrator 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 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 4 Services and discounts are provided through a member of the Dignity Memorial Network a brand name used to identify a network of licensed funeral cremation and cemetery providers that are affiliates of Service Corporation International together with its affiliates SCI 1929 Allen Parkway Houston Texas The online planning site is provided by SCI Shared Resources LLC SCI is not affiliated with MetLife and the services provided by Dignity Memorial members are separate and apart from the insurance provided by MetLife Not available in some states Planning services expert assistance and bereavement travel services are available to anyone regardless of affiliation with MetLife Discounts through Dignity Memorial s network of funeral providers are pre negotiated Not available where prohibited by law If the group policy is issued in an approved 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 services benefits 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 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 Please note that 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 6 Subject to state availability and the maturity age specified in the certificate LI GCERT SUPP OVER EOL Benefit Summary 200 Park Ave New York NY 10166 2020 MetLife Services and Solutions LLC L0320002511 exp0422 All States

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Long Term Disability Insurance Product Overview Why is having Long Term Disability insurance important The loss of income over an extended period of time due to a disability could be financially devastating to you and your family Which is why financial experts suggest having Disability insurance as part of your overall financial plan Many people who lose their ability to earn an income over time are forced to sell or go into foreclose on their homes or file personal bankruptcy One look at these disturbing facts and you can quickly see why it pays to have Long Term Disability insurance o Just over 1 in 4 of today s 20 year olds will likely become disabled 1 before reaching age 67 o 1 in 8 workers will be disabled for 5 years or more during their 2 working careers o The average 20 year old is twice as likely to become disabled than 1 die before age 67 o Many employees of all ages are ill prepared for unexpected disability expenses Only 33 of employees surveyed report having a savings 3 cushion of three month s salary to cover such an event One of your most valuable assets is your ability to earn an income Guard it with Long Term Disability insurance What s more given its strict definitions of what qualifies as a disability you may not be able to count on federal help Chances are you may not be able to count on Social Security Disability Insurance SSDI to help you Approximately 67 of initial SSDI claims 4 are actually denied Social Security benefits are not available if you are 5 expected to be out of work for less than a year Having Long Term Disability insurance can help you cover essential living expenses protect your savings your home and other assets and help you avoid having to borrow money from friends or family continued

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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 Why should I enroll now Improve your financial security Enroll now or you may have to wait another year to get Disability insurance 6 As one of the nation s leading providers of worksite disability benefits you can count on MetLife to provide you with caring compassionate and accurate claims service if and when you experience a long term disability Enroll today 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 Incentives Assistance in returning to the workforce and valuable transition support when appropriate o Rehabilitation Incentive You 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 Benefit Get reimbursed for expenses such as child care for eligible family members if you participate in a MetLife approved Rehabilitation Program o Work Benefit You may receive up to 100 of your pre disability earnings when combining the Disability benefit return to work earnings Rehabilitation incentives and other income benefits such as State Disability benefits and Social Security Disability benefits o Moving Expense Benefit You may be reimbursed for moving expenses to a new residence if the move is recommended as part of a MetLife approved Rehabilitation Program 1 2 3 4 5 6 Social Security Basic Facts October 2015 http www ssa gov news press basicfact html July 2013 Council for Disability Awareness website http www disabilitycanhappen org chances_disability disability_stats asp MetLife 2013 Study of Employee Benefits Trends 2014 Social Security Administration website http www ssa gov oact STATS dibStat html May 2014 Social Security Administration website http www socialsecurity gov pubs EN 05 10029 pdf Reviewed August 2014 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 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

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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 disabled 1 before reaching age 67 o 1 in 8 workers will be disabled for 5 years or more during their working 2 careers o The average 20 year old is twice as likely to become disabled than die 1 before age 67 If 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 3 in the event of a disability 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 o o o o Help protect yourself your family and your savings from the impact of your lost income Mortgage or rent Car payments Food Child care tuition If you are single and don t prepare ahead to cover your expenses you may need to use your savings sell your property or borrow money from friends or family to meet your ongoing financial obligations while you recover 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

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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 Why should I enroll now Improve your financial security 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 4 As one of the nation s leading providers of worksite disability benefits you can count on MetLife to provide you with caring compassionate and accurate claims service if and when you experience a disability Enroll now or you may have to wait another year to get Disability insurance Enroll today 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 Incentives Assistance in returning to the workforce and valuable transition support when appropriate o Rehabilitation Incentive You 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 Benefit Get reimbursed for expenses such as child care for eligible family members if you participate in a MetLife approved Rehabilitation Program o Work Benefit You may receive up to 100 of your pre disability earnings when combining the Disability benefit return to work earnings Rehabilitation incentives and other income benefits such as State Disability benefits and Social Security Disability benefits o Moving Expense Benefit You may be reimbursed for moving expenses to a new residence if the move is recommended as part of a MetLife approved Rehabilitation Program 1 2 3 4 Social Security Fact Sheet October 2015 http www ssa gov pressoffice basicfact htm July 2013 Council for Disability Awareness website http www disabilitycanhappen org chances_disability disability_stats asp The 12th Annual MetLife Study of Employee Benefits Trends 2014 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 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

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Group Whole Life Insurance at a Glance Our group whole life insurance provides smart convenient protection that also helps you achieve your financial goals C O N S I D E R T H E A D VA N TA G E S 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 accumulation Dividend 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 insurance Read 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 coverage You 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 advantages Whole life insurance policies offer a combination of valuable tax advantages including Generally income tax free death benefit Tax deferred cash value growth Accelerated Death Benefit Provisions As 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 Death Benefit for Terminal Illness is payable when the insured meets the definition of Terminally Ill generally diagnosed with an illness that will result in death within 12 months 24 months in some states Chronic Illness The Accelerated Death Benefit for Chronic Care is payable when the insured meets the definition of Chronically Ill generally having a permanent loss of two activities of daily living or requiring substantial supervision due to permanent severe 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 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

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The information provided is not written or intended as specific tax or legal advice MassMutual its subsidiaries employees and representatives are not authorized to give tax or legal advice Individuals are encouraged to seek advice from their own tax or legal counsel The product and or certain features may not be available in all states State variations may apply Group Whole Life Insurance GPWL policy certificate forms MM GPWL 2014 and MM GCWL 2014 and MM GPWL 2014 NC and MM GCWL 2014 NC in North Carolina is level premium participating permanent life insurance The GPWL policy and GCWL certificates are issued by Massachusetts Mutual Life Insurance Company Springfield MA 01111 0001 2019 Massachusetts Mutual Life Insurance Company MassMutual Springfield MA 01111 0001 All rights reserved www MassMutual com WI5553av_2020_NoRiders 1219 CRN202109 246397

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MetLife AdvantagesSM Group Benefits Grief Counseling Employer Reference Guide Grief counseling services are offered with MetLife s life insurance coverage Whether it s help coping with a loss or a major life change the professional counselors and services we offer through LifeWorks are ready to support you your employees and their families to move forward 1 Confidential 24 7 support for employees Resources available Call 1 888 319 7819 or visit metlifegc lifeworks com User Name metlifeassist Password support LifeWorks offers online self help resources to assist with the grieving process providing support for End of life issues Professional support for when What to do after the death of a loved one Dealing with grief a loved one has died a divorce is finalized a serious medical diagnosis or critical illness has occurred a layoff or termination of a job has occurred These counseling sessions are tailored to meet individual needs Up to 5 in person or telephonic sessions are available with a licensed LifeWorks counselor Confidential legal and financial consultation Access to a LifeWorks in house attorney for a 30 minute consultation to assist with making informed decisions as it pertains to a loss 1 hour consultation with a certified financial planner to assist with education strategies and options Funeral assistance services Through private sessions counselors can help employees their loved ones and beneficiaries with funeral arrangements They can provide referrals and helpful information about Nearby funeral homes and cemetery options Funeral cost estimates from local providers Service providers such as florists caterers and hotels Funeral and memorial planning Adult care for surviving elders Dealing with becoming a single parent Back up care for children or elderly Notifying the Social Security Administration banks and utilities Local support groups

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LifeWorks onsite support services for employers Request onsite support in three simple steps A comprehensive trauma management service provided by specially trained consultants is available 24 7 365 days a year via the LifeWorks toll free line Critical Incident Stress Management CISM services include Step 1 Management consultation Coordination for onsite critical incident response for events including sudden death anticipatory grief workplace violence accidents disasters natural disasters Standard response time is within 24 hours Rapid response or extra services are available at an additional cost Up to 4 hours per incident per location using standard deployment are included Call LifeWorks toll free at 1 888 319 7819 to request onsite support Step 2 A LifeWorks Service Advisor will gather preliminary information including Company name Demographic information e g name contact number s email address role Nature of the incident Step 3 You will be connected to a specialty team member for further assessment In cases where an immediate transfer cannot be made a callback will be scheduled for within 20 minutes Services Rate Schedule Additional services are available by request at the rates listed below Service Description Rate Billing Event CISM Rapid Response within 2 hours of request 315 00 Per Hour CISM Standard Response within 24 hours of request for additional counselors and or locations 2 hour minimum 230 00 Per Hour Get expert guidance for confident decisions Contact your MetLife representative today 1 Grief Counseling and Funeral Assistance 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 The Grief Counseling program does not provide support for issues such as domestic issues parenting issues or marital relationship issues other than a finalized divorce For such issues members should inquire with their human resources department about available company resources This program is available to insureds their dependents and beneficiaries who have received a serious medical diagnosis or suffered a loss Events that may result in a loss are not covered under this program unless and until such loss has occurred Services are not available in all jurisdictions and are subject to regulatory approval Not available on all policy forms metlife com Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 L0319512665 exp0520 All States 2019 MetLife Services and Solutions LLC

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Discover the greatest pet insurance plans ever offered My Pet Protection is offered exclusively to employees and gives your pet superior protection at an unbeatable price 90 back on vet bills1 Exclusive to employees not available to the general public Same price for pets of all ages 2 Best deal average savings of 30 over similar plans from other pet insurers Wellness plan option that includes spay neuter vaccinations and more Here s how My Pet Protection helped Nationwide pet parents Between big ticket emergency vet bills and basic preventive care My Pet Protection coverage helped keep these pet parents bank accounts in the black Diagnosis treatment Foreign body removal from stomach 3 000 2 000 2 000 1 500 2 565 1 500 1 000 2 083 1 000 500 Diagnosis treatment Vaccinations and blood tests 250 0 378 1 000 1 372 1 235 340 0 0 Luna mixed breed dog Diagnosis treatment Tooth infection with multiple extractions Bosco goldendoodle Whiskey American pit bull terrier Annual deductible met on previous claim Claim amount Reimbursement by Nationwide Annual deductible Sample reimbursements are based on actual claims but have been edited for clarity Coverage for wellness services only available on My Pet Protection with Wellness Sign up multiple pets with individual plans and receive a discount3 for even more savings Get a free no obligation quote today at PetsNationwide com

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Choose a plan that s as unique as your pet Visit any vet anywhe re Get back 90 of the vet bill for these items and more 1 Accidents including poisonings and allergic reactions Injuries including cuts sprains and broken bones Common illnesses including ear infections vomiting and diarrhea Serious chronic illnesses including cancer and diabetes Hereditary and congenital conditions Surgeries and hospitalization X rays MRIs and CT scans Prescription medications and therapeutic diets Wellness exams Vaccinations Spay neuter Flea and tick prevention Heartworm testing and prevention Routine blood tests Just like all other pet insurers we don t cover pre existing conditions However we go above and beyond with extra features such as emergency boarding lost pet advertising and more Plus both plans have a low 250 annual deductible and a generous 7 500 maximum annual benefit Any illness or injury that your pet had prior to the start of your policy will be considered a pre existing condition Easy enrollment 1 Select the species dog or cat 2 Provide your zip code 3 Pick your plan To enroll your bird rabbit reptile or other exotic pet please call 888 899 4874 Submit claims right from your smartphone with the free VitusVet app Available to all pet insurance members Unlimited 24 7 access to a veterinary professional 150 value Only from Nationwide Learn more today Get your pet insurance reimbursements deposited directly to your bank Download from the App Store Download from Google Play Email fax and snail mail claim submissions also available PetsNationwide com Some exclusions may apply Certain coverages may be subject to pre existing exclusion See policy documents for a complete list of exclusions 2Average based on similar plans from top competitors websites for a 4 year old Labrador retriever in Calif 90631 Data provided using information available as of December 2017 Pet owners receive a 5 multiple pet discount by insuring two to three pets or a 10 discount on each policy for four or more pets 1 3 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 Such terms and availability may vary by state and exclusions may apply Underwritten by Veterinary Pet Insurance Company CA Columbus OH an A M Best A rated company 2018 National Casualty Company all other states Columbus OH an A M Best A rated company 2018 Agency of Record DVM Insurance Agency Nationwide the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company 2019 Nationwide 19GRP5832 2 19 19GRPMPP2CARDFLR

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Health Care Flexible Spending Account FSA Save money on health care expenses for you and your family A Health Care Flexible Spending Account FSA saves you up to hundreds of dollars by allowing you to use pre tax dollars to pay for qualified health care expenses for you your spouse and your dependents 99 Fund Your Account You decide how much to contribute during enrollment then funds are deducted pre tax from your paychecks Easy to Use Simple to Save Your FSA includes numerous benefits Tax savings for health care expenses 99 Use Your Account for Eligible Expenses There are thousands of eligible 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 99 Pay with Your Payment Card You will receive a payment card to pay for eligible health care expenses Be sure to always save documentation for your purchases Health care payment card Quick and easy payments Online and mobile account access 24 7 customer service How do HSAs and FSAs work together IRS regulations limit how health care 99 Connect Online and on the Mobile App When you do not use your card 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 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 99 We re Here to Help If you ever have a question we are here to help you 24 hours a day seven days a week that only covers dental and vision expenses The IRS Limit for 2022 is 2 850 Up to 570 in unused funds in 2022 may be rolled over to 2023 2021 Optum Inc All Rights Reserved

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FLEXIBLE SPENDING ACCOUNT ELIGIBLE EXPENSE EXAMPLES 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 Family planning items Fertility treatment Flu shot Hearing aids Hospital services Immunization Dental treatment Laser eye surgery Dentures Medical testing devices Oxygen Diagnostic services Menstrual care products Physical exam Chiropractic care Alcoholism treatment Contact lenses and related materials Artificial limb Birth control pills Blood pressure monitoring device Breast pumps and related supplies 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 Acupuncture Ambulance Insulin and diabetic supplies Orthodontia not for cosmetic reasons Drug addiction treatment Eye examination eye glasses and reading glasses Laboratory fees Nursing services Obstetrical expenses Smoking cessation program and medications Surgery Sunscreen sun block SPF 15 broad spectrum Transportation for medical care Weight loss program necessary to treat a specific medical condition Wheelchair walkers crutches and canes Physical therapy Prescription drugs Psychiatric care INELIGIBLE EXPENSE EXAMPLES These items are not generally eligible for tax free purchase with your account funds Concierge service fees billed for future services no treatment provided Cosmetics and cosmetic surgery Deodorant Exercise equipment Household help Fitness programs Illegal operations and treatments Funeral expenses Maternity clothes Hair transplants Teeth whitening DUAL PURPOSE ITEMS 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 Dietary and weight loss supplements Snoring cessation aids Fiber supplements Vitamins and herbal supplements Orthopedic shoes and inserts For more information visit optum financial com This 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

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Dependent Care Flexible Spending Account Don t pay full price for child care get the tax free rate For many people the cost of day care nursery school or supervision for an aging parent is a significant monthly expense A Dependent Care Flexible Spending Account Dependent Care FSA also called a Dependent Care Assistance Program DCAP allows you to save money by paying for these expenses with pre tax funds 99 Fund Your Account You decide how much to contribute during enrollment then funds are deducted pre tax from your paychecks 99 Use Your Account for Eligible Expenses Your account funds cover the 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 99 Connect Online and on the Mobile App Quickly and easily submit payment requests check your account balance and review your payments online or on our mobile app 99 We re Here to Help If you ever have a question we are here to help you 24 hours a day seven days a week Easy to Use Simple to Save Your Dependent Care FSA includes numerous benefits Tax savings on child and elder care expenses while you work Quick and easy payments Online and mobile account access 24 7 customer service How do Dependent Care FSAs work with other taxadvantaged 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 The IRS maximum is 5 000 per household for the year 2022 2021 Optum Inc All rights reserved

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Introduction to Health Savings Accounts A health savings account HSA allows you to save money for qualified medical expenses that you re expecting such as contact lenses or monthly prescriptions as well as unexpected ones for this year and the future Why have an HSA You own it The money is yours until you spend it even deposits made by others such as an employer or family member You keep it even if you change jobs health plans or retire Tax savings HSAs help you plan save and pay for health care all while saving on taxes The money you deposit is federal income tax free Savings grow income tax free Withdrawals for qualified medical expenses are also income tax free It s not just for doctor visits Once you ve contributed to your account you can use the funds in your HSA to pay for qualified medical expenses such as Dental care including extractions and braces Vision care including contact lenses prescription sunglasses and LASIK surgery Prescription medications Chiropractic services Acupuncture Save for the future Your HSA rolls over from year to year so you can continue to grow your savings and use it in the future even into retirement Contribution limits There are contribution limits set by the Internal Revenue Service IRS and adjusted annually These limits are 3 650for individual coverage in 2022 7 300 for family coverage in 2022 1 000 extra if you re 55 or older also known as catch up contributions

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Intro to HSAs Who can open an HSA To be an eligible individual and qualify for an HSA you must have a highdeductible 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 coverage are permissible Not be enrolled in Medicare TRICARE or TRICARE for Life Have not received Department of Veterans Affairs VA benefits within the past three months except for preventive care If you are a veteran with a disability 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 health reimbursement account HRA Alternative plan designs such as a limitedpurpose 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 account Check 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 Contributions 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 100 Annual contribution 1 200 Annual income tax savings1 452 1 25 federal 5 state 7 65 FICA Use the HSA Calculator on optumbank com to help determine your contributions and see how much you can save on taxes Open your HSA today The Optum Bank App is here 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 Visit optumbank com or download the mobile app Health 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 062018

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HSAs and Medicare Medicare and HSA eligibility Many individuals are confused at the intersection of health Turning age 65 does not in and of itself preclude you from savings accounts HSAs and Medicare Two different federal remaining HSA eligible absent any disqualifying coverage agencies have primary responsibility for these programs the Department of Health and Human Services for Medicare and the Department of the Treasury for HSAs Each agency issues rules related to its products without consideration of the interaction with the other product leaving Americans confused This paper is designed to help you navigate this confusion so that you remain in compliance with HSA rules 1 Do I lose my HSA eligibility at age 65 No You can open and contribute to an HSA at age 65 or later as long as you meet HSA eligibility requirements which are You re covered on an HSA qualified medical plan You re not someone s tax dependent You don t have any conflicting coverage including enrollment in Medicare optumbank com 2 Does enrollment in Medicare impact my HSA eligibility Yes Medicare doesn t offer an HSA qualifying option You can t make contributions to your HSA for any months after you enroll in any part of Medicare even if you re also covered on an HSA qualifying plan 3 Aren t I automatically enrolled in Medicare Part A at age 65 No You re enrolled in Part A inpatient services automatically only if you are age 65 or older and receiving Social Security or Railroad Retirement benefits You re enrolled in Part A and Part B outpatient services like doctor visits lab work and imaging automatically if you re collecting Social Security disability

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HSAs and Medicare benefits or are diagnosed with amyotrophic lateral sclerosis ALS 7 Can I contribute to my spouse s HSA if I m enrolled in or Lou Gehrig s disease Otherwise you must sign up to receive Medicare and no longer HSA eligible coverage through Medicare Yes if your spouse is HSA eligible and has an HSA you or anyone For more information on Medicare enrollment please refer else can contribute to her HSA Your enrollment in Medicare to Medicare You available online or call the Social Security doesn t disqualify her from contributing to or accepting contribution Administration customer service center at 1 800 772 1213 from others into her HSA You can contribute personal funds either through post tax payroll you can set up a payroll deduction to send 4 If my spouse and I are enrolled on my employer s money directly to your spouse s HSA or with personal funds Your HSA qualified plan and I enroll in Medicare can he spouse then deducts these contributions on her or if you re filing open an HSA jointly your joint personal income tax return Yes if your spouse is otherwise HSA eligible Individuals don t have to be the medical plan subscriber to be HSA eligible You or your spouse can then make tax deductible contributions into his HSA up to the family maximum if you remain covered on a family contract even if only your spouse is HSA eligible For some couples this provision in the law allows them to continue to contribute to an HSA and build income tax free balances for distribution in retirement for several years after the older spouse enrolls in Medicare 5 If I m not HSA eligible can I enroll in my employer s HSAqualified plan Yes HSA eligibility refers to your ability to open and contribute to an HSA not whether or not you can enroll in a medical plan As long as you meet your employer s and the medical insurer s eligibility requirements you can enroll in an HSA qualifying medical plan If you re not HSA eligible though you can t open and contribute to an HSA Your employer may offer a health flexible spending account FSA or health reimbursement arrangement HRA through which you can reimburse eligible expenses income tax free Medicare and HSA contributions 6 Can I continue to contribute to my HSA once I m enrolled in Medicare No You lose HSA eligibility once you enroll in Medicare so you can t make additional contributions You can contribute for months that you were eligible before you enrolled in Medicare For example if Medicare and HSA distributions 8 I m no longer HSA eligible Can I make income tax free distributions for qualified medical expenses Yes HSA eligibility relates to your ability to make contributions Once you open an HSA you can make income tax free distributions for qualified medical expenses for the rest of your life as long as you still have a balance in your account 9 Which expenses can I reimburse from my HSA once I m enrolled in Medicare You can still reimburse income tax free all qualified medical out ofpocket 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 prescription In addition you can reimburse certain insurance premiums including premiums for Medicare Parts B and D Medicare Part C Medicare Advantage plans offered by private insurers that replace Medicare coverage Some Medicare supplement plans your 65th birthday is May 6 and you enroll in Medicare immediately 10 Whose qualified medical expenses can I reimburse income your effective date of Medicare coverage is May 1 You can make tax free from my HSA contributions for the months of January February March and April You can reimburse your own your spouse s and any tax dependents at any point up to the date that you file your personal income tax such as an adult disabled child s expenses income tax free from returns for that year even though you may not be HSA eligible at the your HSA These other family members don t need to be HSA eligible time that you make your retroactive contribution for those months themselves or covered on your medical plan for you to make income tax free distributions from your HSA to reimburse their qualified medical expenses tax free Note You can t reimburse your own or optumbank com 2

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HSAs and Medicare 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 Delaying enrollment in Medicare when first eligible to enroll 14 Do I face a penalty if I defer Medicare enrollment when I m first eligible 65th birthday for most individuals Possibly Here are the potential tax consequences if you delay enrolling in Medicare around your 65th birthday when you re entitled to an Initial Enrollment Period Part A inpatient and home health care If you or your spouse worked 40 employment quarters with income above the Medicare threshold you receive Part A premium free You face no penalties 11 My spouse and I both have an HSA Do we have to limit distributions from each HSA to our own expenses No You can reimburse each other s expenses from your respective HSAs as long as you remain married You can t combine accounts but you may choose to reimburse both your and your spouse s expenses 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 to reimburse an expense that either of you incurs as long as you remain married 12 Can I make income tax free distributions from my HSA for for delaying enrollment past your Initial Enrollment Period Part B physician and outpatient services If you don t enroll during the Initial Enrollment Period you must maintain group coverage from your 65th birthday until you do enroll in Part B For every 12 months past your 65th birthday that you don t maintain group coverage you pay a 10 percent surcharge on your monthly Part B premium for the rest of your life In addition you may face a gap in coverage when you do want to enroll since you ll have to wait until the next General Enrollment Period to enroll in benefits effective the following July 1 Part D prescription drug coverage If you don t enroll during the non qualified medical expenses when I turn age 65 Initial Enrollment Period you must maintain group or nongroup No Distributions for non eligible expenses are always included in coverage that offers prescription drug benefits at least as rich as your taxable income putting these withdrawals on par with taxes Part D If you don t you re assessed a permanent surcharge of 1 on distributions from a traditional 401 k or traditional IRA Once percent of the national base beneficiary premium for every month you turn 65 or meet Social Security s definition of disabled you since your 65th birthday that your coverage isn t what s called can make distributions for items that aren t HSA qualified without Medicare Creditable Coverage MCC In addition you may face a incurring the 20 percent additional tax penalty otherwise assessed gap in coverage when you want to enroll You ll have to wait for the to non qualified medical expenses next General Enrollment Period to enroll in benefits 13 If I pass away first can my HSA continue to reimburse my 15 Given the penalty should I just enroll in Parts B and D spouse s qualified medical expenses income tax free when I m first eligible and stop contributing to my HSA You name a beneficiary when you enroll in your HSA and you can That s a personal decision that you should discuss with your financial change the designation at any time If you name your spouse as advisor While your initial reaction might be to avoid penalties at beneficiary the most common situation upon your death your all costs note that 1 the penalties aren t a punishment for doing HSA passes to your spouse with balances and tax advantages intact something illegal or immoral and 2 you may be better off financially Your spouse can then reimburse their own eligible expenses income by remaining in your HSA program building HSA balances to cover tax free In addition if your spouse remarries they can reimburse future expenses enjoying tax savings and later facing penalties their new spouse s qualified medical expenses income tax free If you name any other person or entity as the beneficiary the HSA is liquidated and the assets pass to that person or entity who may incur a tax liability That beneficiary doesn t enjoy the tax benefits and isn t constrained by the rules of an HSA optumbank com 3

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HSAs and Medicare Key considerations W hat s the difference in current cost among 1 remaining covered on my employer s plan without enrolling in Medicare 2 enrolling in Medicare only or 3 enrolling in both programs W hat s the difference in benefits covered and financial responsibility between enrolling in either program or both programs W hat tax advantages do I give up if I m no longer HSAeligible Remember you won t be able to reduce your taxable income through HSA contributions if you enroll in Medicare W hat will be the financial consequences of my penalties Remember since the penalties represent additional premiums they re eligible for income tax free reimbursement from your HSA W ill I ever enroll in Parts B and D and face those penalties or will I choose coverage such as a Medicare Advantage plan that doesn t require enrolling in coverage and paying premiums subject to penalties To learn more visit optumbank com Please 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 optumbank com 11000 Optum Circle Eden Prairie MN 55344 Health 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 OHC

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PRODUCT HIGHLIGHTS SUMMARY DISABILITY Insurance Aflac Short Term Disability Insurance Pays you a of your salary when you can t work due to illness or injury We ve been dedicated to helping provide peace of mind and financial security for more than 60 years Monthly benefits range from 500 6000 per month dependent on your salary You choose benefit period 3 6 12 or 24 months You start collecting after a 7 or 14 day waiting period IC 3 16 A57675MA ACCIDENT Insurances Aflac Accident Advantage Pays cash directly to you when in an accident YOU DON T HAVE TO BE OUT OF WORK TO COLLECT ACCIDENT ONLY INSURANCE OPTION 2 We ve been dedicated to helping provide peace of mind and financial security for 60 years A36275 IC 3 15 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 confinement and much more Coverage available for yourself Spouse and Kids CANCER Insurance AFLAC CANCER CARE Pays up to 4 000 cash benefits directly to you when diagnosed with Cancer and more cash for ongoing Cancer treatment C ANCER INDEMNITY INsuRANCE CLAssiC We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years A78375RIL IC 9 12 up to 600 00 per day for Chemotherapy and Radiation treatments no max up to 3500 0 per week for Experimental treatment benefits no max up to 100 00 Daily Hospitalization and Private Nursing Anti nausea medication surgical benefit home care benefits 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 HOSPITAL Insurance Aflac Choice HOSPITAL CONFINEMENT INDEMNITY INSURANCE OPTION 1 We ve been dedicated to helping provide peace of mind and financial security for more than 60 years Up to 1 500 Lump sum payment when admitted into Hospital for 23 hours Additional benefits for 3 doctor visits ER visits ongoing hospital stay more No underwriting if under age 75 The 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 B40175MA IC 1 19 We give cash to you when you need it most Alvaro Montenegro 201 628 4924 alvaro_montenegro us aflac com

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Farmers GroupSelectSM A BETTER FIT FOR EMPLOYEES Farmers 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 GET A QUOTE Call today 800 438 6381 Auto Insurance Home Insurance With 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 services1 Quality 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 GET A QUOTE CALL 800 438 6381 Call today 800 438 6381 Other Protection Products By combining auto home and other policies you could save even more 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 Insurance

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Legal Plans Why a Legal Plan matters Legal matters occur throughout life when you re getting married buying a home caring for aging parents or dealing with identity theft or a tax audit Having access to a network of attorneys through a legal plan empowers you to handle these costly issues as they arise When you need legal help we ve made it easy for you Our network attorneys are available in person by phone or by email We also offer access to online tools to complete your estate planning documents or download self help legal forms And you will always have a choice in what attorney to use You can choose one from our network of prequalified attorneys or use an attorney outside of our network and be reimbursed some of the cost 1 The cost of MetLife Legal Plans coverage for the whole year is less than the average attorney s hourly fee of 370 2 Why should I enroll now Full coverage from advice and consultation to representation for many common legal matters Online tools to complete estate planning documents download self help legal forms and send questions to attorneys No copays deductibles or claim forms when using a network attorney for a covered matter Enroll in MetLife Legal Plans during annual enrollment

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Cover the costs on a wide range of common legal issues with a Legal Plan Access experienced attorneys to help with estate planning home sales tax audits and more Just a few times in life you might need legal help Getting married Prenuptial agreement Name change Updating or creating estate planning documents Buying renting or selling a home Reviewing contracts and lease agreements Preparing deeds Attending the closing Starting a family Caring for aging parents Dealing with identity theft Attorney consultations regarding potential creditor actions Assistance with contacting banks and creditors Attorney defense for issues related to identity theft Creating wills and estate planning documents School and administrative hearings Adoption Attorney consultations on Medicaid Medicare questions Reviewing nursing home agreement Reviewing estate planning documents Sending kids off to college Security deposit assistance Reviewing leases Student loan debt assistance Legal help made easy See how simple it is to use your plan 1 Easy to find an attorney Create an account at legalplans com to see your coverages select an attorney and get a case number for your legal matter Or give us a call at 800 821 6400 for assistance to make 2 Easy an appointment 3 Call the attorney you select provide your case number and schedule a time to talk or meet That s it There are no copays deductibles or claim forms when you use a network attorney for a covered matter Easy from start to finish Enroll in MetLife Legal Plans during annual enrollment

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A Personal Account How a Legal Plan helped Chris with his home purchase I contacted our attorney for a contract review as my wife and I were 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 70 of Americans do not have a will the most basic estate planning document you need to protect your assets and your family 3 Estate planning at your fingertips Most 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 for minor children Advance Directive Plan for a medical emergency and select medical care preferences Durable Financial Power of Attorney Choose someone to manage finances in case of an emergency Probate Avoidance Documents Keep your home out of the probate process and have it pass directly to the beneficiaries of your choosing with either a transfer on death 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 Enroll in MetLife Legal Plans during annual enrollment Create wills living wills and powers of attorney online in as little as 15 minutes

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Legal Plan Frequently Asked Questions Q How does the plan work Q Can I use an attorney more than once A Getting started is easy You simply choose an attorney from our network which is available online or by calling our Client Service Center You can also choose an attorney outside of our network and be reimbursed according to a set fee reimbursement schedule 1 We will then give you an assigned case number to share with your attorney when you make an appointment It s that simple A Yes you have unlimited use of the plan over the course of the year for covered legal matters 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 certain legal matters your attorney can represent you in court without you having to make an appearance 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 as you need them Q How do I pay for my coverage A It s easy Your premium is paid through payroll deductions so you don t have to worry about writing any checks or missing payments Q Can I get help finding the right attorney for my needs Q Are my spouse and family members also covered by my plan A Yes our Client Service Center representatives are here to help you find the right attorney for your legal matter whatever that might be We re committed to ensuring you receive the expert legal help you need when you need it A Most plans cover your spouse and dependent children please see the details of your plan Q How are attorneys selected for the network What are their qualifications A We only select attorneys who meet our selection criteria and agree to our Attorney Code of Excellence Attorneys in the network have an average of 25 years experience in the practice of law have graduated from an accredited law school and must maintain valid state licensure Additionally the attorneys must agree to provide superior customer service to all legal plan members We routinely monitor our attorneys to ensure our members needs are being met and conduct regular re credentialing audit that looks at legal activity member feedback verification of malpractice insurance 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 choose an attorney outside of our network we ll reimburse you for services based on a set fee reimbursement schedule 1 Q Are claim forms required when using the legal plan A No We make using your plan easy When you use a network attorney there is nothing for you to do Plan services are covered in full and billing is between us and the network attorney There are no waiting periods no copays no deductibles and no claim forms To 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 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 44114 L0621014253 exp0822 All States DC PR 2021 MetLife Services and Solutions LLC Enroll in MetLife Legal Plans during annual enrollment

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Metlife visionaccess program Set your sights on savings and convenience 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 What you get is clear Savings on eye exams A broad choice of quality providers Discounts on glasses and frames Availability of the program to your entire family Lower costs for laser vision correction No enrollment or claim forms Using 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 Cut here PRICING IN REGIONAL AREAS Should not EXCEED CERTAIN AMOUNTS Refer to Schedule of Benefits on the back of this flyer Region 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 MA Region 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 WA Region 3 Region 4 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 VA AL AR IA ID IN KS KY MO MS MT NE NC ND OK SC SD TN WV WI WY and PR VisionAccess Program See 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 correction Program Code MET2020 Program provided through Vision Service Plan VSP PNTS VisionAccess Program See 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 correction Program Code MET2020 Program provided through Vision Service Plan VSP PNTS

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Get a clearer view on life for less vision care service member savings Exam1 20 off of Usual and Customary fee with a maximum copay of Region 1 90 Region 2 90 Region 3 80 Exam contact lens Region 4 75 15 off Usual and Customary fee Discounts on contact lens materials are not available Check with your participating private practice for available offers standard corrective lenses Glass or plastic single vision1 lined bifocal 1 lined trifocal 1 20 off of Usual and Customary fee with a maximum copay of Region 1 50 Region 2 45 Region 3 45 Region 4 40 20 off of Usual and Customary fee with a maximum copay of Region 1 70 Region 2 65 Region 3 65 Region 4 60 20 off of Usual and Customary fee with a maximum copay of Region 1 90 Region 2 85 Region 3 85 Region 4 75 standard 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 fee Frames 25 off of Usual and Customary fee laser vision correction2 Discounts 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 fee Discounts are only available through participating private practices 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 mybenefits 1 888 GET MET8 1 888 438 6388 Say Vision then select option 2 MetLife VisionAccess Discount Program For more information or to find a participating provider visit our website at www metlife com mybenefits or call 1 888 GET MET8 MetLife 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 See listing of Regional Discount Areas on the front of this flyer 1 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 2 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 mybenefits 1 888 GET MET8 1 888 438 6388 Say Vision then select option 2 MetLife VisionAccess Discount Program Metropolitan life insurance company 200 Park Avenue New York NY 10166 www metlife com 1311 3324 1900031980 1213 2013 METLIFE INC L1113352120 All States DC GU MP PR PEANUTS 2013 Peanuts Worldwide

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Why accident insurance makes sense An accident can bring unexpected expenses Accident insurance can help you get back on your feet An accident can happen to anyone in the family and with it can come unexpected expenses not covered by medical insurance You may want to consider accident insurance if You and your family have an active lifestyle Your children play sports Your medical plan has high deductibles or copays Accident insurance It s easy Covers your family for a wide variety of accidental injuries including broken bones concussions dislocations and 1 second and third degree burns Provides a lump sum payment when a covered person has medical services and treatments related to accidental injuries such as certain doctor visits ambulance transportation medical 1 testing and physical therapy Is a valuable complement to your medical insurance Can help protect your savings from unexpected expenses which could be substantial Provides payment directly to you which you can use any way you see fit There are no waiting periods and with a hassle free claims process you have less to worry about You may have a choice of plans to fit your budget and specific needs You can also take the coverage with 2 you if you leave the company or retire Now that you know how accident insurance can help take a few minutes to learn more and enroll today 1 Covered services treatments must be the result of an accident or sickness as defined in the group policy certificate See your Disclosure Statement or Outline of Coverage Disclosure Document for more details 2 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations For more information contact your MetLife representative METLIFE S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage The policy or its provisions may vary or be unavailable in some states There is a preexisting condition limitation for hospital sickness benefits if applicable MetLife s Accident Insurance may be subject to benefit reductions that begin at age 65 And like most group accident and health insurance policies policies offered by MetLife may contain certain exclusions limitations and terms for keeping them in force For complete details of coverage and availability please refer to the group policy form GPNP12 AX or contact MetLife Benefits are underwritten by Metropolitan Life Insurance Company New York New York

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Accident Insurance Plan Summary Plan No 144895 Prestige Employee Administrators ACCIDENT INSURANCE BENEFITS With MetLife you ll have a choice of two comprehensive plans which provide payments in addition to any other insurance payments you may receive Here are just some of the covered events services Low Plan MetLife Accident Insurance Pays YOU High Plan MetLife Accident Insurance Pays YOU 50 3 000 100 6 000 Dislocations 50 3 000 100 6 000 Second and Third Degree Burns 50 5 000 100 10 000 Concussions 200 400 Cuts Lacerations 25 200 50 400 Eye Injuries 200 300 Ambulance 200 750 300 1 000 Emergency Care 25 50 50 100 Physician Follow Up 50 75 Therapy Services including physical therapy 15 25 Medical Testing Benefit 100 200 Medical Appliances 50 500 100 1 000 Inpatient Surgery 100 1 000 200 2 000 500 non ICU 1 000 ICU per accident 1 000 non ICU 2 000 ICU per accident 100 a day non ICU up to 31 days 200 a day non ICU up to 31 days 200 a day ICU up to 31 days 400 a day ICU up to 31 days Inpatient Rehab paid per accident 100 a day up to 15 days 200 a day up to 15 days Benefit Type1 Low Plan MetLife Accident Insurance Pays YOU High Plan MetLife Accident Insurance Pays YOU 25 000 75 000 for common carrier4 50 000 150 000 for common carrier4 250 10 000 per injury 500 50 000 per injury Benefit Type1 Injuries Fractures2 2 Medical Services Treatment Hospital3 Coverage Accident Admission Confinement Accidental Death Employee receives 100 of amount shown spouse receives 50 and children receive 20 of amount shown Dismemberment Loss Paralysis Dismemberment Loss Paralysis

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Other Benefits Lodging5 Pays for lodging for companion up to 30 nights per calendar year 100 per night up to 30 nights up to 3 000 in total lodging benefits available per calendar year 200 per night up to 30 nights up to 6 000 in total lodging benefits available per calendar year BENEFIT PAYMENT EXAMPLE Kathy s daughter Molly plays soccer on the varsity high school team During a recent game she collided with an opposing player was knocked unconscious and taken to the local emergency room by ambulance for treatment The ER doctor diagnosed a concussion and a broken tooth He ordered a CT scan to check for facial fractures too since Molly s face was very swollen Molly was released to her primary care physician for follow up treatment and her dentist repaired her broken tooth with a crown Depending on her health insurance Kathy s out of pocket costs could run into hundreds of dollars to cover expenses like insurance co payments and deductibles MetLife Group Accident Insurance payments can be used to help cover these unexpected costs Covered Event1 Benefit Amount6 Ambulance ground 300 Emergency Care 100 Physician Follow Up 75 x 2 150 Medical Testing 200 Concussion 400 Broken Tooth repaired by crown 200 Benefits paid by MetLife Group Accident Insurance 1 350 QUESTIONS ANSWERS Who is eligible to enroll for this accident coverage You are eligible to enroll yourself and your eligible family members 7 You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective How do I pay for my accident coverage Premiums will be conveniently paid through payroll deduction so you don t have to worry about writing a check or missing a payment What happens if my employment status changes Can I take my coverage with me Yes you can take your coverage with you 8 You will need to continue to pay your premiums to keep your coverage in force Your coverage will only end if you stop paying your premium or if your employer offers you similar coverage with a different insurance carrier Who do I call for assistance Contact a MetLife Customer Service Representative at 1 800 GET MET8 1 800 438 6388 Monday through Friday from 8 00 a m to 8 00 p m EST Individuals with a TTY may call 1 800 855 2880 Covered services treatments must be the result of a covered accident as defined in the group policy certificate See your Disclosure Statement or Outline of Coverage Disclosure Document for full details 2 Chip fractures are paid at 25 of Fracture Benefit and partial dislocations are paid at 25 of Dislocation Benefit 3 Hospital does not include certain facilities such as nursing homes convalescent care or extended care facilities See MetLife s Disclosure Statement or Outline of Coverage Disclosure Document for full details 4 Common Carrier refers to airplanes trains buses trolleys subways and boats Certain conditions apply See your Disclosure Statement or Outline of Coverage Disclosure Document for specific details Be sure to review other information contained in this booklet for more details about plan benefits monthly rates and other terms and conditions 5 The lodging benefit is not available in all states It provides a benefit for a companion accompanying a covered insured while hospitalized provided that lodging is at least 50 miles from insured s primary residence 6 Benefit amount is based on a sample MetLife plan design Actual plan design and plan benefits may vary 7 Coverage is guaranteed provided 1 the employee is actively at work and 2 dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate Some states require the insured to have medical coverage Additional restrictions apply to dependents serving in the armed forces or living overseas 8 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations For more information contact your MetLife representative 1 METLIFE S ACCIDENT INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage The policy or its provisions may vary or be unavailable in some states There is a preexisting condition limitation for hospital sickness benefits if applicable MetLife s Accident Insurance may be subject to benefit reductions that begin at age 65 And like most group accident and health insurance policies polices offered by MetLife may contain certain exclusions limitations and terms for keeping them in force For complete details of coverage and availability please refer to the group policy form GPNP12 AX or contact MetLife Benefits are underwritten by Metropolitan Life Insurance Company New York New York Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 L1017499417 All States

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Why is having critical illness insurance so important Your family s expenses will continue if and when a critical illness occurs Financial experts recommend having 3 6 months of living expenses set aside to help in an emergency situation1 like undergoing a serious illness with today s economy most families don t have that kind of money in reserve Quality health and disability income insurance plans aren t always enough There may still be coverage gaps Disability income plans cover a portion of your income while health insurance may leave you with some expenses to pay including Health plan deductibles Prescription copays Out of network treatments Alternative treatments Enroll For questions please call MetLife at 1 800 GET MET8 1 800 438 6388 Why should I enroll Critical illnesses can happen at any age and more often than you may think The odds of you or a family member suffering a critical illness are actually quite surprising Studies have shown Competitive group rates Your acceptance is Every year about 735 000 Americans have a heart attack 2 1 out of every 3 men will be diagnosed with cancer at some point in their lives 3 1 out of every 3 women will be diagnosed with cancer at some point in their lives 3 Critical illness insurance can help safeguard your finances by providing you with a lump sum payment when your family needs it most The payment you receive is yours to spend as you see fit and in addition to any other insurance you may have guaranteed providing you are actively at work 11 Rates will not increase due to age 12 Convenient payroll deduction Portable coverage enables you to take it with you if your employment status changes 13

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How can having MetLife Critical Illness Insurance benefit you and your loved ones MetLife Critical Illness Insurance provides a lump sum payment if you or a covered family member4 is diagnosed with one of the following medical conditions and meets the policy and certificate requirements Full Benefit Cancer 5 Partial Benefit Cancer 5 Heart Attack Stroke 6 Coronary Artery Bypass Graft 7 Kidney Failure Alzheimer s disease 8 Major Organ Transplant and the 22 Listed Conditions 9 Your plan pays a Recurrence Benefit for the following Covered Conditions Heart Attack Stroke Coronary Artery Bypass Graft Full Benefit Cancer Partial Benefit Cancer and All Other Cancer A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition There is a Benefit Suspension Period between Recurrences 10 Help protect yourself your family and your budget from the financial impact of a critical illness Payments will be made directly to you not to the doctors hospitals or other health care providers You will receive a check mailed directly to your home The payment you receive is yours to spend as you see fit and may be used to cover ongoing household bills like Groceries Mortgage and car payments Child care Or any other way you want the choice is yours 1 https www consumerreports org Is Your Emergency Fund Big Enough Jan 2019 2 CDC www cdc gov HeartDisease facts htm Accessed May 2019 3 American Cancer Society Lifetime Risk of Developing or Dying From Cancer Last Revised January 2018 4 Eligible Family Members mean all persons eligible for coverage as defined in the Certificate 5 Please review the Disclosure Statement or Outline of Coverage Disclosure Document for specific information about cancer benefits Not all types of cancer are covered Some cancers are covered at less than the Initial Benefit Amount For NH sitused groups and NH residents there is an initial benefit of 100 for All Other Cancer 6 In certain states the Covered Condition is Severe Stroke 7 In NJ sitused cases the Covered Condition is Coronary Artery Disease 8 Please review the Outline of Coverage for specific information about Alzheimer s disease 9 MetLife Critical Illness Insurance will pay 25 of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions A Covered Person may only receive one payment for one Listed Condition in his her lifetime The Listed Conditions are Addison s disease adrenal hypofunction amyotrophic lateral sclerosis Lou Gehrig s disease cerebrospinal meningitis bacterial cerebral palsy cystic fibrosis diphtheria encephalitis Huntington s disease Huntington s chorea Legionnaire s disease malaria multiple sclerosis definitive diagnosis muscular dystrophy myasthenia gravis necrotizing fasciitis osteomyelitis poliomyelitis rabies sickle cell anemia excluding sickle cell trait systemic lupus erythematosus SLE systemic sclerosis scleroderma tetanus and tuberculosis 10 We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period 11 We will not pay a Recurrence Benefit for either a Full Benefit Cancer or Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period 12 Coverage is guaranteed provided 1 the employee is actively at work and 2 any dependents to be covered are not under medical restriction as described in the Certificate Some states require the insured to have medical coverage Additional restrictions apply to dependents serving in the Armed Forces or living overseas For CA sitused cases coverage is guaranteed provided 1 the employee is performing all of the usual and customary duties of your job at 13 the employer s place of business or at an alternate place approved by your employer 2 dependents are not subject 14 to medical restrictions as set forth on the enrollment form and in the Certificate 15 The plan is guaranteed renewable and may not be canceled due to an increase in your age or a change in your health Premium rates can only be raised as the result of a rate change made on a class wide basis Benefit reduces by 25 at age 65 and 50 at age 70 Coverage is guaranteed renewable provided 1 premiums are paid as required under the Certificate and 2 in a situation where the Group Policy ends it is not replaced by a substantially similar critical illness policy as described in the Certificate 16 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations For more information contact your MetLife representative METLIFE S CRITICAL ILLNESS INSURANCE CII IS A LIMITED BENEFIT GROUP INSURANCE POLICY Like most group accident and health insurance policies MetLife s CII policies contain certain exclusions limitations and terms for keeping them in force Product features and availability may vary by state In most plans there is a pre existing condition exclusion For individuals other than those covered under a New York certificate after a covered condition occurs there is a benefit suspension period during which benefits will not be paid for a recurrence MetLife s Issue Age CII is guaranteed renewable and may be subject to benefit reductions that begin at age 65 Premium rates for MetLife s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age premium rates for increases in coverage including the addition of dependents coverage if applicable will be based on the covered person s age at the time of that increase s effective date Rates are subject to change for MetLife s Issue Age CII on a class wide basis A more detailed description of the benefits limitations and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage Disclosure Document available at time of enrollment For complete details of coverage and availability please refer to the group policy form GPNP14 CI or contact MetLife for more information Benefits are underwritten by Metropolitan Life Insurance Company New York New York MetLife s Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment including hospital surgical and medical expenses MetLife s Critical Illness Insurance does not provide reimbursement for such expenses

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Critical Illness Insurance Plan Summary Plan No 144895 Prestige Employee Administrators COVERAGE OPTIONS Critical Illness Insurance Eligible Individual Initial Benefit Requirements 15 000 or 30 000 Coverage is guaranteed provided you are actively at work 3 Spouse Domestic Partner1 50 of the employee s Initial Benefit Dependent Child ren 2 50 of the employee s Initial Benefit Coverage is guaranteed provided the employee is actively at work and the spouse domestic partner is not subject to a medical restriction as set forth on the enrollment form and in the Certificate 3 Coverage is guaranteed provided the employee is actively at work and the dependent is not subject to a medical restriction as set forth on the enrollment form and in the Certificate 3 Employee BENEFIT PAYMENT Your Initial Benefit provides a lump sum payment upon the first diagnosis of a Covered Condition Your plan pays a Recurrence Benefit4 equal to the Initial Benefit for the following Covered Conditions Heart Attack Stroke Full Benefit Cancer and Partial Benefit Cancer A Recurrence Benefit is only available if an Initial Benefit has been paid for the Covered Condition There is a Benefit Suspension Period between Recurrences The maximum amount that you can receive through your Critical Illness Insurance plan is called the Total Benefit and is 3 times the amount of your Initial Benefit This means that you can receive multiple Initial Benefit and Recurrence Benefit payments until you reach the maximum of 300 or 45 000 or 90 000 Please refer to the table below for the percentage benefit amount for each Covered Condition Covered Conditions Full Benefit Cancer5 Partial Benefit Cancer5 Heart Attack Stroke6 Coronary Artery Bypass Graft7 Kidney Failure Alzheimer s Disease8 Major Organ Transplant Benefit 22 Listed Conditions Initial Benefit 100 of Initial Benefit 25 of Initial Benefit 100 of Initial Benefit 100 of Initial Benefit 100 of Initial Benefit 100 of Initial Benefit 100 of Initial Benefit 100 of Initial Benefit 25 of Initial Benefit Recurrence Benefit 100 of Initial Benefit 25 of Initial Benefit 100 of Initial Benefit 100 of Initial Benefit Not applicable Not applicable Not applicable Not applicable Not applicable 22 Listed Conditions MetLife Critical Illness Insurance will pay 25 of the Initial Benefit Amount when a covered person is diagnosed with one of the 22 Listed Conditions A Covered Person may only receive one payment for each Listed Condition in his her lifetime The Listed Conditions are Addison s disease adrenal hypofunction amyotrophic lateral sclerosis Lou Gehrig s disease cerebrospinal meningitis bacterial cerebral palsy cystic fibrosis diphtheria encephalitis Huntington s disease Huntington s chorea Legionnaire s disease malaria multiple sclerosis definitive diagnosis muscular dystrophy myasthenia gravis necrotizing fasciitis osteomyelitis poliomyelitis rabies sickle cell anemia excluding sickle cell trait systemic lupus erythematosus SLE systemic sclerosis scleroderma tetanus and tuberculosis ADF CI1851 18

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Example of Initial Recurrence Benefit Payments The example below illustrates an employee who elected an Initial Benefit of 15 000 and has a Total Benefit of 3 times the Initial Benefit Amount or 45 000 Illness Covered Condition Payment Total Benefit Remaining Heart Attack first diagnosis Initial Benefit payment of 15 000 or 100 30 000 Heart Attack second diagnosis two years later Recurrence Benefit payment of 15 000or 100 15 000 Kidney Failure first diagnosis three years later Initial Benefit payment of 15 000 or 100 0 In most states there is a preexisting condition limitation If advice treatment or care was sought recommended prescribed or received during the three months prior to the effective date of coverage we will not pay benefits if the covered condition occurs during the first six months of coverage The preexisting condition limitation does not apply to heart attack or stroke SUPPLEMENTAL BENEFITS MetLife provides coverage for the Supplemental Benefits listed below This coverage would be in addition to the Total Benefit Amount payable for the previously mentioned Covered Conditions Health Screening Benefit9 MetLife will provide an annual benefit of 50 per calendar year for taking one of the eligible screening prevention measures MetLife will pay only one health screening benefit per covered person per calendar year Eligible screening prevention measures may include annual physical exam flexible sigmoidoscopy biopsies for cancer hemoccult stool specimen blood test to determine total cholesterol hemoglobin A1C blood test to determine triglycerides human papillomavirus HPV vaccination bone marrow testing lipid panel breast MRI mammogram breast ultrasound oral cancer screening breast sonogram pap smears or thin prep pap test cancer antigen 15 3 blood test for breast cancer prostate specific antigen PSA test CA 15 3 cancer antigen 125 blood test for ovarian cancer serum cholesterol test to determine LDL and HDL CA 125 levels carcinoembryonic antigen blood test for colon serum protein electrophoresis cancer CEA carotid doppler skin cancer biopsy chest x rays skin cancer screening clinical testicular exam skin exam colonoscopy stress test on bicycle or treadmill digital rectal exam DRE successful completion of smoking cessation program Doppler screening for cancer tests for sexually transmitted infections STIs Doppler screening for peripheral vascular disease thermography echocardiogram two hour post load plasma glucose test electrocardiogram EKG ultrasounds for cancer detection endoscopy ultrasound screening of the abdominal aorta for abdominal aortic aneurysms fasting blood glucose test virtual colonoscopy fasting plasma glucose test

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QUESTIONS ANSWERS Who is eligible to enroll Regular active full time employees who are actively at work along with their spouse domestic partner and dependent children can enroll for MetLife Critical Illness Insurance coverage 3 How do I pay for coverage Coverage is paid through convenient payroll deduction If I Leave the Company Can I Keep My Coverage 10 Under certain circumstances you can take your coverage with you if you leave You must make a request in writing within a specified period after you leave your employer You must also continue to pay premiums to keep the coverage in force Who do I call for assistance Contact a MetLife Customer Service Representative at 1 800 GET MET8 1 800 438 6388 Monday through Friday from 8 00 a m to 8 00 p m EST Footnotes 1 Coverage for Domestic Partners civil union partners and reciprocal beneficiaries varies by state Please contact MetLife for more information 2 Dependent Child coverage varies by state Please contact MetLife for more information 3 Coverage is guaranteed provided 1 the employee is actively at work and 2 dependents are not subject to medical restrictions as set forth on the enrollment form and in the Certificate Some states require the insured to have medical coverage Additional restrictions apply to dependents serving in the armed forces or living overseas 4 We will not pay a Recurrence Benefit for a Covered Condition that Recurs during a Benefit Suspension Period We will not pay a Recurrence Benefit for either a Full Benefit Cancer or a Partial Benefit Cancer unless the Covered Person has not had symptoms of or been treated for the Full Benefit Cancer or Partial Benefit Cancer for which we paid an Initial Benefit during the Benefit Suspension Period 5 Please review the Disclosure Statement or Outline of Coverage Disclosure Document for specific information about cancer benefits Not all types of cancer are covered Some cancers are covered at less than the Initial Benefit Amount For NHsitused cases and NH residents there is an initial benefit of 100 for All Other Cancers 6 In certain states the covered condition is Severe Stroke 7 In NJ sitused cases the Covered Condition is Coronary Artery Disease 8 Please review the Outline of Coverage for specific information about Alzheimer s disease 9 The Health Screening Benefit is not available in all states See your certificate for any applicable waiting periods There is a separate mammogram benefit for MT residents and for cases sitused in CA and MT 10 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations For more information contact your MetLife representative METLIFE S CRITICAL ILLNESS INSURANCE CII IS A LIMITED BENEFIT GROUP INSURANCE POLICY Like most group accident and health insurance policies MetLife s CII policies contain certain exclusions limitations and terms for keeping them in force Product features and availability vary by state In most plans there is a preexisting condition exclusion In most states after a covered condition occurs there is a benefit suspension period during which most plans do not pay recurrence benefits Attained Age rates are based on 5 year age bands and will increase when a Covered Person reaches a new age band Rates are subject to change A more detailed description of the benefits limitations and exclusions can be found in the applicable Disclosure Statement or Outline of Coverage Disclosure Document available at time of enrollment For complete details of coverage and availability please refer to the group policy form GPNP07 CI or GPNP09 CI or contact MetLife for more information Benefits are underwritten by Metropolitan Life Insurance Company New York New York MetLife s Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment including hospital surgical and medical expenses MetLife s Critical Illness Insurance does not provide reimbursement for such expenses Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 L0318503289 All States NW 3 5 AA OHIV

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Hospital indemnity insurance why is it important Hospital stays can be pricey and often unexpected Since most health care plans don t cover all expenses taking steps to help protect yourself can make a big difference Studies show that you can spend on average 15 734 for a hospital stay in the U S 1 A good reason why having hospital indemnity insurance makes good financial sense While in the hospital it s likely you ll need various treatments tests and therapies to get up and about again These services can create out of pocket costs beyond what your medical plan may cover in addition to deductibles copays and expenses that come with out of network care Unexpected hospital bills are difficult to manage when you lose your income or it becomes seriously reduced Household expenses like your mortgage car payment child care or household maintenance may become even harder to keep up with while you focus on recovering With an average cost of 15 734 per hospital stay in the U S having hospital indemnity insurance makes good financial sense 1 How it works Hospital indemnity insurance is coverage that can help safeguard your finances by providing you with a lump sum payment one convenient payment all at once when you or your family needs it most The extra cash can help you focus on getting back on track without worrying about finding the money to cover the costs of treatment A flat amount is usually paid for a hospital admission and a per day amount for your entire hospital stay And best of all the payment is made directly to you and is in addition to any other insurance you may have It s yours to spend however you like including for your or your family s everyday living expenses Whatever you need while recovering from a hospital stay hospital indemnity insurance is there to make life a little easier Enroll For questions please call MetLife at 1 800 GET MET8 1 800 438 6388 Why should I enroll Competitive group rates Guaranteed 3 acceptance Easy payroll deduction Portable coverage so you can take it 2 with you

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With MetLife Hospital Indemnity Insurance you can take your coverage 2 with you if you change jobs or retire Hospital indemnity insurance helps you manage expenses if you or a loved one becomes unexpectedly hospitalized If you or a loved one is admitted to the hospital this insurance helps cover the costs of care This plan provides benefits for hospitalization due to accidents and sicknesses4 like Admission to a hospital Hospital stays Intensive care unit stays Inpatient rehab unit stays Admission to an intensive care unit Actual plan design and plan benefits may vary See your Disclosure Statement or Outline of Coverage Disclosure Document for full details on the coverage types amounts and premium options under your plan Help protect yourself your family and your budget from the financial impact of a hospital stay 1 Hospital and Surgery costs 2017 https www debt org medical hospital surgery costs Accessed April 2018 2 Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations For more information contact your MetLife representative 3 Coverage is guaranteed provided 1 the employee is actively at work and 2 dependents to be covered are not subject to medical restrictions as set forth in the Certificate Some states require the insured to have medical coverage Additional restrictions apply to dependents serving in the armed forces or living overseas 4 There is a pre existing exclusion for covered sicknesses Hospital does not include certain facilities such as nursing homes convalescent care or extended care facilities See your Disclosure Statement or Outline of Coverage Disclosure Document for full details METLIFE S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage The policy or its provisions may vary or be unavailable in some states Prior hospital confinement may be required to receive certain benefits There may be a preexisting condition limitation for hospital sickness benefits MetLife s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65 And like most group accident and health insurance policies policies offered by MetLife may contain certain exclusions limitations and terms for keeping them in force For complete details of coverage and availability please refer to the group policy form GPNP12 AX GPNP13 HI GPNP16 HI or GPNP12 AX PASG or contact MetLife Benefits are underwritten by Metropolitan Life Insurance Company New York New York In certain states availability of MetLife s Group Hospital Indemnity Insurance is pending regulatory approval

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Prestige Employee Administrators Hospital Indemnity Insurance Plan Summary HOSPITAL INDEMNITY INSURANCE BENEFITS With MetLife you ll have a choice of two comprehensive plans which provide payments in addition to any other insurance payments you A may receive Here are just some of the covered benefits services when an accident or illness puts you in the hospital COVERED BENEFITS Please contact MetLife for detailed definitions and state variations of covered benefits Hospital Benefits Subcategory Admission Benefit Confinement Benefit Benefit Limits Applies to Subcategory 1 time per calendar year 15 days per year ICU Benefit will pay an additional benefit for 15 of those days Benefit Low Plan High Plan Admission1 500 1 000 ICU Supplemental Admission Benefits paid concurrently with Admission benefit when Covered Person is admitted to ICU Confinement2 500 1 000 100 100 65 65 ICU Supplemental Confinement Benefits paid concurrently with Confinement benefit when Covered Person is confined in ICU Benefit requires prior Admission or Confinement 1 The Admission Benefit for residents of CT ID will be increased because some benefits in this plan design are not available See the Schedule of Benefits in the CT ID certificate 2 If the Admission Benefit is payable for a Confinement the Confinement Benefit will begin to be payable the day after Admission Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 L0918508154 All States 2018 MetLife Services and Solutions LLC HI16

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INSURANCE RATES MetLife offers competitive group rates and convenient payroll deduction so you don t have to worry about writing a check or missing a payment Your employee rates are outlined below Hospital Indemnity Insurance Coverage Options Employee Employee Spouse Employee Child ren Employee Spouse Child ren Monthly Cost to You Low Plan 25 18 50 07 30 89 55 78 High Plan 38 19 75 95 47 70 85 46 BENEFIT PAYMENT EXAMPLE FOR HIGH PLAN Susan has chest pains at home and after contacting her doctor she is instructed to head to her local hospital Upon arrival the doctor examines Susan and advises that she requires immediate admission to the Intensive Care Unit for further evaluation and treatment After 2 days in the Intensive Care Unit Susan moves to a standard room and spends 2 additional days recovering in the hospital Susan was released to her primary care physician for follow up treatment and observation Her primary doctor is now keeping a close watch over Susan s overall health Depending on her health insurance Susan s out of pocket costs could run into hundreds of dollars to cover expenses like insurance co payments and deductibles MetLife Group Hospital Indemnity Insurance payments can be used to help cover these unexpected costs or in any other way Susan sees fit Covered Benefit2 Benefit B Amount Regular Hospital Admission 1 000 ICU Supplemental Admission 1 000 Regular Hospital Confinement 100 ICU Supplemental Confinement 100 Benefits paid by MetLife Group Hospital Indemnity Insurance 2 200 QUESTIONS ANSWERS How do I enroll Enroll for coverage at enrollment website Who is eligible to enroll for this Hospital Indemnity coverage C You are eligible to enroll yourself and your eligible family members You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective Dependents to be enrolled may not be subject to a medical restriction as set forth in the Certificate Some states require the insured to have medical coverage How do I pay for my Hospital Indemnity coverage Premiums will be conveniently paid through payroll deduction so you don t have to worry about writing a check or missing a payment What happens if my employment status changes Can I take my coverage with me Yes you can take your coverage with you You will need to continue to pay your premiums to keep your coverage in force Your coverage will only end if you stop paying your premium or if your employer cancels the group policy or offers you similar coverage with a different D insurance carrier What is the coverage effective date The coverage effective date is 11 1 2019 Who do I call for assistance Please call MetLife directly at 1 800 GET MET8 1 800 438 6388 A Hospital does not include certain facilities such as nursing homes convalescent care or extended care facilities See your Disclosure Statement or Outline of Coverage Disclosure Document for full details B Benefit amount is based on a sample MetLife plan design Plan design and plan benefits may vary C Coverage is guaranteed provided 1 the employee is actively at work and 2 dependents to be covered are not subject to medical restrictions as set forth in the Certificate Some states require the insured to have medical coverage Additional restrictions apply to dependents serving in the armed forces or living overseas Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 L0918508154 All States 2018 MetLife Services and Solutions LLC HI16

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D Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations For more information contact your MetLife representative METLIFE S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage The policy or its provisions may vary or be unavailable in some states Prior hospital confinement may be required to receive certain benefits There is a preexisting condition limitation for hospital sickness benefits MetLife s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65 Like most group accident and health insurance policies policies offered by MetLife may contain certain exclusions limitations and terms for keeping them in force For complete details of coverage and availability please refer to the group policy form GPNP12 AX GPNP13 HI GPNP16 HI or GPNP12 AX PASG or contact MetLife Benefits are underwritten by Metropolitan Life Insurance Company New York New York In certain states availability of MetLife s Group Hospital Indemnity Insurance is pending regulatory approval Metropolitan Life Insurance Company 200 Park Avenue New York NY 10166 L0918508154 All States 2018 MetLife Services and Solutions LLC HI16

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Our National Employee Assistance Program EAP offers a wide range of confidential professional and personal development services for you and your employees Implemented by certified clinical behavioral psychologists and corporate coaches our EAP services include critical incident response individual performance counseling substance abuse management on site conflict mediation services wellness programs and more NEAP also includes programs spanning across professional growth leadership development training succession planning and more for corporate development Work Life Services Financial Consultation Free unlimited telephone consultation with a financial professional qualified to advise you on a range of financial issues Legal Consultation Free half hour telephone consultation with an attorney on most legal issues Discounted rates are available if further legal representation is required ID Theft Recovery Consultation Consultation Referrals Pre Qualified Referrals Members can rely on confidential EAP assistance to help address a variety of needs including Child care and parenting Older adult care Legal financial resources Online Member Services Offers resources articles links and interactive tools Free legal forms Living Will Searchable database Monthly health wellness topics with live webinars Free telephone consultation with an ID recovery professional plus free online prevention program Credit Karma 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 ROI In 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 32 Absenteeism Dropped 87 Emotional Well Being Increased 51 Morale and Motivation Improved 25 Productivity Increased Over 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 1

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Your Employee Benefit Can Help Protect Your Identity and Devices Everyday we put our information at risk on the internet Everyday activities like online shopping banking and even browsing can expose your personal information making you more vulnerable to cybercrime LifeLock with Norton Benefit Plans combine leading identity theft protection and device security against online threats viruses ransomware and malware at home and on the go Let us help protect your identity your devices and your online privacy in an always connected world Get more value for your money Enroll through your employer today No one can prevent all identity theft or all cybercrime

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Benefit Pricing Monthly Rates Benefit Essential with Prices Include Applicable Sales Tax 5 49 Employee Only 18 Years Old 10 98 Employee Family Benefit Premier with 9 99 19 98 The LifeLock Benefit 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 financially dependent on employee LifeLock services will only be provided after receipt and applicable verification 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 benefit 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 LifeLock 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 Verification Lost Wallet Protection Reduced Pre Approved Credit Card Offers Fictitious Identity Monitoring Data Breach Notifications LIFELOCK IDENTITY THEFT PROTECTION Credit Checking Savings Account Activity Alerts Checking Savings Account Application Alerts Bank Account Takeover Alerts 401K Investment Account Activity Alerts File Sharing Network Searches Sex Offender Registry Reports Online 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 Specialists 24 7 Live Member Support Million Dollar Protection Package Stolen Funds Reimbursement Personal Expense Compensation Coverage for Lawyers and Experts Up to 1 Million each Credit Application Alerts2 One Bureau One Bureau Credit Monitoring1 One Bureau Three Bureau Annual Credit Report Credit Score1 Three Bureau 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 Monthly Credit Score Tracking1 One Bureau ONLINE PRIVACY NORTON DEVICE SECURITY 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 Secures PCs Macs Smartphones Tablets Up to 3 devices Up to 5 devices Family gets 6 devices Family gets 10 devices 10 GB 50 GB Online Threat Protection Password Manager Parental Controls3 Smart Firewall Cloud Backup3 SafeCam3 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 verified with Equifax and ii Equifax must be able to locate your credit file and it must contain sufficient 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 verification process must also be successfully completed with Experian and or TransUnion as applicable If verification 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 verification process is successfully completed and until then you will only receive Credit Features from Equifax Any credit monitoring from Experian and TransUnion will take several days to begin after your successful plan enrollment Please note that in order to enjoy all features in your chosen plan such as bank account alerts credit monitoring and credit reports it may require additional action 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 verified with TransUnion and ii TransUnion must be able to locate your credit file and it must contain sufficient 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 1 Up to 1 Million each Reimbursement and Expense Compensation each with limits of up to 1 million for LifeLock with Norton Benefit Essential and LifeLock with Norton Benefit Premier and up to 25 000 for Benefit Junior and up to 1 million for coverage for lawyers and experts if needed for all plans Benefits 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 defined 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 affiliates in the U S and other countries Other names may be trademarks of their respective owners Norton LifeLock is the Consumer Division of Symantec GPPM8782

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Prestige Employee Administrators Inc Company Code ac0324452 Your benefits just got better Welcome to the Plum Benefits program our new provider for discounts to theme parks attractions and shows nationwide How can I benefit from Plum Benefits Through Plum Benefits you will receive discounts and special access to theme parks and attractions including the Walt Disney World Resort Universal Studios Las Vegas and New York City shows and performances Disneyland SeaWorld Six Flags and Cirque du Soleil Also check with PlumBenefits com for savings on car rentals hotels tours and attractions across the US If you re staying local save on movie tickets sporting events and other special events And feel free to share the code with friends and family How do I find out what s new Once a month Plum Benefits sends a monthly savings bulletin to your company Ask about the bulletin today You can also check back on PlumBenefits com whenever you want to find the latest deals Enjoy the Savings HOW CAN I ORDER TICKETS 1 V isit www plumbenefits com 2 C lick on the Become a Member box at the top of the homepage 3 Y ou will then be prompted to create an account with your email address and company code 4 O r you can place your Order by phone Call customer service at 877 868 7758 Orders are taken from 8 30am 12am 7 days a week holidays included Eastern Standard Time

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Save an extra 10 Promo code welcometen Valid on purchases of 100 or more through 9 30 19 Build Lasting Memories with Family and Friends What is Working Advantage How Do I Become a Member Having fun getting away and saving money are important for your well being This cost free benefit provides you access to thousands of exclusive travel and entertainment discounts so you can make the most of your time away from work Visit workingadvantage com and click Become a Member Use your company code or work email to create an account Not by a computer Use your phone camera or QR scanning app to access the site Company Code Movie Buffs Travel Bugs Thrill Seekers Entertainment Enthusiasts Sports Fanatics There s something for everyone with savings on Hotels Theme Parks Concerts Sporting Events Movie Tickets Rental Cars Gift Cards Broadway Shows Vegas Shows More Retail Restaurants Spas Sightseeing Tours Activities Need help 1 800 565 3712 customerservice workingadvantage com

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