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Message SALARIED EMPLOYEE BENEFITSGUIDE2025 - 2026An overview of the wide array of benefits provided byBreak Bread Ventures to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesAs an employee of Break Bread Ventures, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2025-2026 plan year, Break Bread Ventures has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Break Bread Ventures is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Break Bread Ventures benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin 91st day after your date of hireBenefits End End of the month following terminationDependents Your legal spouse and children up to age 26

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesSummary of CoverageCoverage Provided by Aither HealthPPO 1000IN-NETWORKPPO 5000IN-NETWORKBenefit Period 4/1/2025 – 3/31/2026 4/1/2025 – 3/31/2026Deductibles (Individual / Family) $1,000 / $2,000 $5,000 / $10,000Out-of-Pocket Max (Individual / Family)$7,500 / $15,000 $7,500 / $15,000Preventive Care Covered in full Covered in fullPrimary Care Visit $10 copay $10 copaySpecialist Visit $40 copay $40 copayTelehealth Covered in full Covered in fullUrgent Care $50 copay $50 copayEmergency Room $250 copay $250 copayOutpatient Procedure 0% after deductible 0% after deductibleInpatient Visit 0% after deductible 0% after deductiblePharmacy / RX (30 Day Supply) $0/$35/$75/$200 $0/$35/$75/$200MEDICALPlease note that both health plans offered are part of what’s called a “GAP” plan, which means there are two different plan designs working in conjunction together to be able to lower the deductible exposure to the levels illustrated on this page. Your medical ID card will show a higher deducible amount of $7,500. As long as you are seeking care from an in-network provider/facility, your deductible liability will be the lower amount illustrated here. Please refer to your Benefits Summary for additional information on the GAP plan structure and your Summary of Benefits and Coverage (SBC) for Out of Network benefits.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Break Bread Ventures, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREPricing Per Pay Period PPO 1000 PPO 5000Employee$36.50 $21.92Employee + Spouse$167.35 $135.00Employee + Child(ren)$151.57 $128.08Employee + Family$277.32 $230.77Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesSummary of CoverageCoverage Provided by Reliance Standard(Ameritas Provider Network)In-NetworkAnnual Deductibles(Individual / Family)$50 / $150Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)20%Major Procedures(crowns, dentures, etc.)50%Child Orthodontics (up to age 19)50%$1,500 lifetime maximumCalendar Year Maximum Benefit $1,500DENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $8.80Employee + Spouse $18.29Employee + Children $23.70Employee + Family $33.19Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesSummary of CoverageCoverage provided by Reliance Standard (VSP Provider Network)In-NetworkVision Exam (Once per plan year) Covered in fullLenses (once per plan year) Covered in fullSingle Covered in fullBifocal Covered in fullTrifocal Covered in fullFrames (Once every 2 years) $130Standard Contact Lenses Fit & Follow Up Exam Up to $60Elective Contact Lenses Up to $130Medically Necessary Contact Lenses Covered in fullVISIONOur vision coverage is provided by Reliance Standard / VSP. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee $1.56Employee + Spouse $3.03Employee + Children $2.72Employee + Family $4.20Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesSummary of CoverageCoverage provided by ReliancePlan Features Short Term DisabilityCoverage Paid By Break Bread VenturesEmployee Benefit Amount 60% of your weekly earningsMaximum Benefit Amount $1,500 per weekElimination Period (Accident) NoneElimination Period (Sickness) 7 daysBenefit Duration 26 weeksDisability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term, while Long-Term coverage is available for extended disabilities. DISABILITY INSURANCEPlease note, a pre-existing condition period may apply once you become covered. Please see policy for more information.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesOur EAP is offered through Forte. Forte is the metal wellness platform providing Content and Connections with trained professionals to help you process work, home, and everything in between. • Unlimited access to confidential conversations with SoulCare® certified, professional Guides• Weekly Wellness newsletters• SoulCare® challenges• Reflection Polls• E-Courses• Webinars with industry expertsHow to start:• You’ll receive a personal invitation sent to your inbox to create a Forte account.• Complete a short sign-up and select any Guide that you’d like.• Book your first connection. Then, book as much and as often as you’d like.EMPLOYEE ASSISTANCE PROGRAM (EAP)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesCarrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedical Aither Health 833-328-5306 www.aitherhealth.com/members Telehealth Rezilient Health 405-866-0049 www.rezilienthealth.com Prescriptions Vivid Clear 877-848-4379 www.vividclearrx.com Dental Reliance 800-351-7500 www.reliancestandard.com/dentalvision Vision Reliance 800-351-7500 www.reliancestandard.com/dentalvision Short-Term DisabilityReliance 800-351-7500 www.reliancestandard.com EAP Forte 877-207-5227 www.getforte.com

MORE TIME WITH YOUR DOCTORLonger appointment mes are our standard. Your doctor always has me to listen to you.SAME-DAY AND NEXT-DAY APPOINTMENTSEasy to book, mely appointments from the comfort of your couch.24/7 ACCESS TO YOUR CARE TEAMTruly connected virtual primary care. It’s as easy as sending a text message.Good health starts with great healthcareYOUR REZILIENT BENEFIT INCLUDES:• $0 copay and $0 deducble for primary, urgent, and speciality e-consults• $0 out of pocket expense for any Rezilient provided service • Hands-on care coordinaon to help navigate referrals, medicaon rells, transferring your records, and anything else you need• Coverage for you and your dependents aged 7 and olderOr go to:rezilienthealth.com/acvate/fusion314-900-1615members@rezilienthealth.comSCAN TO ACTIVATE YOUR BENEFITActivation code: FUSIONRezilient Health is healthcare the way it should be: focused on improving your experience as a paent and helping you navigate your care to be your healthiest version of you.With your Rezilient Health benet provided by Fusion Health at no cost to you, you have access to aordable, exceponal virtual healthcare.

Virtual Primary Care with Rezilient HealthA standout benefit of Fusion Health is our partnership with Rezilient Health,providing you with access to a dedicated personal primary care team, includingyour very own primary care physician. Your Rezilient team collaboratesseamlessly with your local provider to ensure comprehensive care.With Rezilient Health, you can:Schedule Virtual Appointments: Meet with your physician from the comfortof home.Communicate Easily: Use the member portal to stay connected with yourcare team 24/7.Access Routine and Urgent Care: Get the help you need, when you need it.Receive Same-Day Specialty Care Referrals: Connect with specialists withoutthe wait.Enjoy Convenient Prescription Management: Have your prescriptions sentdirectly to your pharmacy.Streamline Referrals: Let us handle referrals to in-network specialists on yourbehalf.Find Nearby Laboratories: Get directed to in-network labs for your testingneeds.Rezilient Health is your most efficient partner for managingreferrals, with a team of dedicated professionals focused on yourpersonalized care plan.

01ONLINE0302FEATURES•Manage all of your benefits in one place•View your Plan details •AccessTelehealth (if included) •Search forProviders •Access all of your plan services•…and more!REVIEWReview dependentsand invite adultdependents toregister too. ACCESS FROMANY DEVICEREGISTERHow Do I Access My Portal?You’re just a few clicks away from your new healthbenefits experience. Access your benefitsANYTIME, ANYWHERE.DOWNLOADApp Store or Google Play “Medxoom”Enter your informationhttps://member.medxoom.comEmail AddressCreate PasswordFirst & Last NameSSN or Member #Date of Birth•••••Start Maximizing your Health Benefits Today!We are pleased to introduce your new HEALTHCARE BENEFITS PORTAL,powered by Medxoom. Read below to learn how to access your portal and take advantage of all of your healthcare benefits in one place.

How Do I Access the Mobile App?You’re just a few clicks away from your new Aither Healthhealth benefits experience.Review your profile information by clicking yourname in the upper right hand corner. Invite adultdependents to register, too.Download the app at the Apple App Store or Google Play Store by searching for“Medxoom member portal”or visit member.medxoom.comfor online access.Open the app and register by entering your socialsecurity number and date of birth (don’t worry, yourinformation is kept private and secure).Have questions? Call your Advocacy Team member at the number on your ID card for help.• View your Digital ID Card and details about your medical plan• View detailed information about your Claims• Get real-time updates on progress towards meeting your deductible and out-of-pocket maximums• Initiate a Telehealth visit• View and pay medical bills• Search for doctors and procedures• See important messages from Aither• ...and much more! Start maximizing your health benefits today.Access, Track, Manageyour benefits,online or by mobile, inthree easy steps:STEP 1STEP 3STEP 2NOW YOU CAN

The Vivid Clear Rx Care Team is always here to help! You can reach us 24/7/365 for answers to all of your pharmacy benefit questions! Tel: 877-848-4379Email: info@vividclearrx.comWeb: www.vividclearrx.com Address: Vivid Clear Rx13220 Birch Drive, Suite 200,Omaha, NE 68184You can access your pharmacy benefits by creating an account and logging into the member portal at vividclearrx.com or by downloading the app MyRxPlan and creating an account.Website: www.vividclearrx.comApp: MyRxPlanTel: 866-794-9833Email: mailorder@hy-vee.comCustomer ServiceMember Portal & Mobile AppHy-Vee Mail / Home DeliveryYour new prescription plan requires that your mail order medications be filled by Hy-Vee Mail Order. If you currently utilize a mail order pharmacy, please contact Hy-Vee Mail Order and they will transfer your existing prescriptions and coordinate your medication refills.Welcome to Vivid Clear Rx! We are excited to be your new Pharmacy Benefit Manager (PBM)! Vivid Clear Rx is a different kind of PBM. We’re committed to providing a pharmacy coverage experience you can clearly understand, as well as outstanding customer service whenever you need us.PharmacyBenefits

Your prescripon benet plan requires that all mail order prescripons be lled by Hy-Vee Mail Order Pharmacy. To transfer your prescripons to Hy-Vee Mail Order, please use the link on our website: 1. Visit www.vividclearrx.com and select ‘Prescripon Mail Order’ under the Members dropdown menu. 2. Geng started is easy – Transfer Prescripons 3. Complete Hy-Vee Mail Order online welcome packet – please review and scroll through ‘Paent Rights’ and ‘Noce of Privacy’ to mark acknowledgment box For new mail order prescripons, please have your physician e-prescribe the prescripon directly to Hy-Vee Mail Order. For Prescripon Support, please contact Hy-Vee Mail Order 866-794-9833 mailorder@hy-vee.com The Vivid Clear Rx Care Team is always here to help! You can reach us 24/7/365 for all your pharmacy benet quesons! Hy-Vee Mail Order / Home Delivery

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCMedical Insurance InformationDeductible: A deductible is the amount of money you or your dependents must pay toward a health claim before your organization’s health plan makes any payments for health care services rendered. For example, a plan participant with a $100 deductible would be required to pay the first $100, in total, of any claims during a plan year.Copayment (Copay): A copay is a flat fee you pay upfront for doctor visits, prescriptions, and other healthcare services. It does not count toward your deductible. Coinsurance: On top of your deductible, coinsurance is a provision in your health plan that shows what percentage of a medical bill you pay and the percentage a health plan pays.Out-of-pocket Maximum (OOPM): An OOPM is the maximum amount (deductible and coinsurance) that you will have to pay for covered expenses under a plan. Once the OOPM is reached the plan will cover eligible expenses at 100 percent.Explanation of Benefits (EOB): An EOB is a description your insurance carrier sends to you explaining the health care benefits that you received and the services for which your health care provider has requested payment.Preferred Provider Organization (PPO): A PPO is a group of hospitals and physicians that contract on a fee-for-service basis with insurance companies to provide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower than in a non-PPOplan.High Deductible Health Plan (HDHP): An HDHP is a type of insurance plan that offers a low premium offset by a high deductible. Because of the low cost of the plan, the insurer will not cover most medical expenses until the deductible is met. As an exception, preventive care services are typically covered before the deductible is met. HDHPs are often designed to be compatible with heath savings accounts (HSAs), which are tax-advantaged accounts that can be used to pay for qualified out-of-pocket medical expenses before the HDHP’s deductible ismet.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCDental Insurance InformationAnnual Maximum: The total dollar amount that a plan will pay for dental care for an individual member or family member (under a family plan) for a specified benefit period, typically a calendar year.Assignment of Benefits: When a member authorizes the dental plan to forward payment for a covered procedure directly to a member’s dentist.Balance Billing: When a participating dentist bills a member for amounts indicated as not billable to the patient by the dental carrier. Participating dentists agree to accept the fee approved by the dental carrier as payment in full and cannot bill a member for any difference.Benefit Year: The 12-month period a member’s dental plan covers, which is not always a calendar year.Contracted Fee: The fee for each single procedure that a dentist has agreed to accept as payment in full for covered services provided to a member.Covered Service: A dental treatment for which payment is provided under the terms of a member’s dental plan.In-Network Dentist: A dentist who has agreed to be a part of the dental carrier’s network and accept pre-established fees for his or her professional dental services.Lifetime Maximum: The maximum amount a plan will pay over the course of a lifetime. It may apply to an individual or a family and typically applies to specific treatments such as orthodontic treatment.Maximum Plan Allowance (MPA): The amount set by the dental carrier that an in-network dentist has agreed to charge for a service.Waiting Period: A period of time before a member is eligible to receive benefits for all or certain treatments. It typically applies to expensive services such as dentures or crowns.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

Know Your BenefitsBrought to you by: Sentinel Risk Advisors, LLCVision Insurance InformationFrames Allowance: Your allowance is the amount the vision carrier will cover for your frames or for lens enhancements. For frames, a typical allowance is $150. In that case if you choose frames that cost less than $150, you pay nothing. If you choose frames that cost more than $150, you’ll pay the difference. So, for frames that cost $170, you’ll pay $20 at the doctor’s office.Frequency: How often you can get an exam or eyewear with your VSP network doctor.Lens Enhancement: A lens enhancement or lens option is an elective feature for your prescription lenses designed to improve your overall experience with your glasses. They often improve your vision and/or comfort. Here’s a list of some common lens enhancements:• Scratch-resistant coatings - Reduces normal scratching and pitting on plastic lenses.• Impact-resistant, also referred to as polycarbonate lenses - A lens material that is impact and scratch resistant, light, thin and gives UV protection.• Anti-glare coating, also referred to as anti-reflective coating - Combats eyestrain from glare, reflections and in some cases blue light from digital devices. Protects lenses from scratches.• No-line multifocal, also referred to as progressive lenses - Lenses with multiple prescription zones for near, mid and long-range vision and no visible line separating these zones as you would see on a bi-focal.This Know Your Benefits article is provided by Sentinel Risk Advisors, LLC and is to be used for informational purposes only and is not intended to replace the advice of an insurance professional. © 2005, 2011, 2013-2014, 2020 Zywave, Inc. All rights reserved.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Salaried Employee Benefits Guide2025 - 2026 Break Bread VenturesThis page is intentionally blank

SALARIED EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2025 - 2026Break Bread Ventures