2025 Richmond Community College Employee Benefits Guide : simplebooklet.com

Benefit & Plan Information Eligibility: Full-time employees working 30 hours or more per week. Benefit Plan Year: The annual RCC Benefit plan year is January 1 through December 31 General Employee Information: Spending Accounts Enrollment is required during open enrollment to either accept or decline the opportunity to participate in these benefits and declare your participation level. You will not be automatically enrolled. Pre-taxed Insurance Products You must enroll for new pre-taxed and/or change pre-taxed benefits during open enrollment. Payroll Deductions Spending Accounts and Insurance Products Deductions will begin monthly with your pay period in January 2025. New Benefits Effective January 1, 2025 •You must be actively at work for insured benefits to become effective.Spending Accounts – Use It or risk Losing It •Health Flexible Spending Account are fully funded on the first day of the plan year.•Do not set aside more funds than you can use by December 31, 2025.•Dependent Care funds will not be available until funds are deposited into your account.Insurance Products•Benefits effective January 1, 2025oEmployees must be actively at work (not on disability or FMLA).oIf you are out of work due to injury or sickness on January 1, 2025, benefits become effectiveon the first day back at work performing your regular duties on a full-time basis.Page 3

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Benefit Counselor Sessions Enrollment Information Face-to-Face enrollment Benefit counselor meetings provide an opportunity to have questions answered while enrolling for benefits selected for you and your family. The counselor will complete the submission for you assuring accurate and timely activation of benefits. Please review the information made available to you prior to your meeting. Family Information for Enrollment When enrolling your spouse and/or children, please have their dates of birth and social security numbers available. Benefit Summary of Coverage After enrolling in one or more of the benefit plans, the Provider may issue a policy or certificate of coverage for you. Insurance certificates are 40 or more pages in length. The carrier may issue a single certificate for all insureds and have it available at the office of human resources for viewing. Certificates are also available via PDF files, and online. Having the policy or certificate online makes it easy to determine the benefits of your plan 24 hours a day. Certificate and/or Policy Information Coverage provided by the various voluntary supplemental benefits may have limitations and exclusions. Please refer to your policy or certificate for specific coverage. Even though several policies are deducted from your pay before taxes, the benefits may be subject to federal and/or state tax. IMPORTANT NOTE & DISCLAIMER This is neither an insurance contract nor a Summary Plan Description; actual policy provisions apply. Information provided in this booklet is subject to change. Policy descriptions are for information purposes only. Actual policies may be different from the policies described in this booklet. Page 4

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Benefits Summary Richmond Community College Benefits currently available to full-time and 30-hour employees are summarized below. This information is a summary only. For complete plan information refer to the plan documents. *Indicates Section 125 pre-tax plans.*Major Medical Insurance Coverage http://shpnc.orgThe State offers the Preferred Provider Organization (PPO) Health plan, with two levels of coverage. Employee monthly premiums as of January 1, 2025, are as follow: Category Traditional (70/30) Plan Enhanced (80/20) Plan Employee only $25.00* $50.00* Employee + child(ren) $218.00* $305.00* Employee + Spouse $590.00* $700.00* Employee + Family $598.00* $720.00* *Premiums based on completion of one Health Incentive. Failure to complete theincentive will result in higher employee-paid premiums.The College pays part of each employee’s premiums in the amount of $674.62 per employee to offer our employees the benefit of a lower out-of-pocket premium. Refer to the website for the summary plan description for copayments, deductibles, and other out of pocket expenses. Customer Service for the PPO is: 833-690-1037. Prescriptions are administered through CVS Caremark. Customer Service: 1-888- 321-3124. Information can also be found on their website.State Health Plan Open Enrollment is in October each year. The choices you make during Open Enrollment are for benefits that will be effective from January 1 through December 31 of the following year. Once you choose your benefit plan, you may not elect to switch plans until the next Open Enrollment period. The coverage type you select will remain in effect until the next benefit year unless you experience a qualifying life event. A list of qualifying life events is included in your Benefits Booklet, available on the State Health Plan website. The State Health Plan Third-Party Administrator (TPA) is Aetna®. The 2025 open enrollment period will take place in the fall of 2024. Members will receive additional information prior to enrollment. Page 5

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*NC State Retirement System www.myncretirement.comA pre-tax deduction of 6% of gross pay is automatically deducted from your paycheckand deposited into your Retirement System account.Register in Orbit: Go to the website and select ORBIT on the left side of screen. Click REGISTER. Enter your Social Security Number and date of birth and click NEXT. You will need to create a user ID and Password to access your account. The plan also includes the following benefits: Death Benefit Employees are eligible for this benefit after one year of service. The death benefit is equal to the annual base salary (minimum of $25,000; maximum of $50,000). Disability Coverage There is a 60-day continuous calendar day waiting period from the onset of a disability. This time is unpaid unless the employee has vacation and/or sick leave to use during this time or is eligible for and receiving shared leave. Short-term Disability Benefits Employees must have at least one year of contributing membership service in the State Retirement System to be eligible for this benefit. Benefit payments begin on the 61st day of disability and may continue for a period of 365 calendar days. Monthly benefit is equal to 50% of your monthly salary at the time of disability. Long-term Disability Benefits Employees must have at least five years of contributing membership service in the State Retirement System to be eligible for this benefit. Long term disability benefits are payable after the conclusion of the short-term disability period. Monthly benefit is approximately 65% of your monthly salary at the time of disability. As of January 1, 2021, new members of the NC State Retirement System are no longer eligible for Retiree medical coverage through the Retirement System. Longevity Full-time and part-time permanent employees with ten years of aggregate total qualifying service will receive a longevity payment on their yearly anniversary date. Any work considered temporary (i.e. semester by semester contract) does not apply towards longevity. Rate of Pay Years of Aggregate State Service Longevity Rate 10 through 14 1.50 15 through 19 2.25 20 through 24 3.25 25 or more 4.50 Page 6

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Sick Leave Full-time permanent employees earn 8 hours per month. A part-time permanent employee who is employed on a half-time or more basis shall earn sick leave on a pro rata basis. Unused sick leave can be converted to additional retirement service credit at the time of your retirement. When you retire, you are allowed one month of credit for each 20 days of unused sick leave. For any part of 20 days left over, one additional month is allowed provided the remaining portion is at least one hour. Sick Leave Days Service Sick Leave Days Service 1-20 =1 Month 121-140 =7 Months 21-40 =2 Months 141-160 =8 Months 41-60 =3 Months 161-180 =9 Months 61-80 =4 Months 181-200 =10 Months 81-100 =5 Months 201-220 =11 Months 101-120 =6 Months 221-240 =12 Months Annual Leave Full-time non-faculty employees shall earn annual leave at the following rates per month (part-time positions earn leave on a pro-rata basis): Service Hours/Month Hours/Year Less than 5 years 9 Hrs. & 20 Mins 112 5 but less than 10 years 11 Hrs. & 20 Mins 136 10 but less than 15 years 13 Hrs. & 20 Mins 160 15 but less than 20 years 15 Hrs. & 20 Mins 184 20 years or more 17 Hrs. & 20 Mins 208 Full-time Curriculum faculty will earn personal days. These days are non-cumulative and non-transferable. Personal leave shall be computed at the following rates: Years of Aggregate Service Days Earned Each Year Less than 5 years 4 days + 1 day Summer Session 5 to 9 years 5 days + 1 day Summer Session 10 years or more 6 days + 1 day Summer Session Part-time permanent Curriculum faculty will earn personal days on a pro-rata basis. WED Faculty (12 month) will earn personal days. These days are non-cumulative and non-transferable. Personal leave shall be computed at the following rates: Dates earned Hours Earned January to June *60 hours*88 hours for prison facultyJuly to December *60 hours*88 hours for prison faculty*May take in 30-minute incrementsPart-time permanent WED faculty will earn personal days on a pro-rata basis.Page 7

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Personal Observance All full-time, permanent employees will receive 8.5 hours of personal observance per calendar year. Personal observance leave may be utilized on a day of significance, including days of cultural, religious, or personal observation. Parental/Volunteer School Leave Full-Time permanent employees may take up to 4 hours of paid leave each fiscal year regardless of the number of children. The 4 hours leave will be credited on July 1 of each year. Holidays The legal holidays that are observed at Richmond Community College are: New Year's Day, Martin Luther King Jr's Birthday, Good Friday, Memorial Day, Independence Day, Labor Day, Veteran’s Day, Thanksgiving Day and the following Friday, and Christmas break. Free Tuition Each full-time permanent employee is granted one tuition-free curriculum or continuing education occupational extension class per semester at Richmond Community College. Employee Assistance Program - EAP Each permanent employee is eligible for services through the Employee Assistant Plan. The EAP can help with personal and job-related problems and provide short-term and/or emergency counseling. Richmond Community College cares about your health and well-being and provides help to every employee through the Employee Assistance Plan. Help is available 24/7/365 through the toll-free number below. When you or a family member needs assistance, help is a quick personal and confidential phone call away. Help from an experienced qualified clinician to assess and provide guidance. EAP Access Toll Free 1-800-633-3353 Direct Phone 704-529-1428 24-Hour Emergency Assistance Learn more by visiting the MYgroup website http://mygroup.com User ID is: rcc Password: guest. Service provided by McLaughlin Young Employee – Mygroup.com The preceding document is a summary only. Refer to the original plan documents for plan information. Original plan documents are legal documents and supersede all other verbal and/or written information. Page 8

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Health Insurance Marketplace Coverage Options and Your Health Coverage Form Approved OMB No. 1210-0149 (expires 12-31-2026) PART A: General Information Even if you are offered health coverage through your employment, you may have other coverage options through the Health Insurance Marketplace (“Marketplace”). To assist you as you evaluate options for you and your family, this notice provides some basic information about the Health Insurance Marketplace and health coverage offered through your employment. What is the Health Insurance Marketplace? The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers "one-stop shopping" to find and compare private health insurance options in your geographic area. Can I Save Money on my Health Insurance Premiums in the Marketplace? You may qualify to save money and lower your monthly premium and other out-of-pocket costs, but only if your employer does not offer coverage, or offers coverage that is not considered affordable for you and doesn’t meet certain minimum value standards (discussed below). The savings that you're eligible for depends on your household income. You may also be eligible for a tax credit that lowers your costs. Does Employment-Based Health Coverage Affect Eligibility for Premium Savings through the Marketplace? Yes. If you have an offer of health coverage from your employer that is considered affordable for you and meets certain minimum value standards, you will not be eligible for a tax credit, or advance payment of the tax credit, for your Marketplace coverage and may wish to enroll in your employment-based health plan. However, you may be eligible for a tax credit, and advance payments of the credit that lowers your monthly premium, or a reduction in certain cost-sharing, if your employer does not offer coverage to you at all or does not offer coverage that is considered affordable for you or meet minimum value standards. If your share of the premium cost of all plans offered to you through your employment is more than 9.12%1 of your annual household income, or if the coverage through your employment does not meet the "minimum value" standard set by the Affordable Care Act, you may be eligible for a tax credit, and advance payment of the credit, if you do not enroll in the employment-based health coverage. For family members of the employee, coverage is considered affordable if the employee’s cost of premiums for the lowest-cost plan that would cover all family members does not exceed 9.12% of the employee’s household income..12 Note: If you purchase a health plan through the Marketplace instead of accepting health coverage offered through your employment, then you may lose access to whatever the employer contributes to the employment-based coverage. Also, this employer contribution -as well as your employee contribution to employment-based coverage- is generally excluded from income for federal and state income tax purposes. Your payments for coverage through the Marketplace are made on an after-tax basis. In addition, note that if the health coverage offered through your employment does not meet the affordability or minimum value standards, but you accept that coverage anyway, you will not be eligible for a tax credit. You should consider all of these factors in determining whether to purchase a health plan through the Marketplace. 1 Indexed annually; see https://www.irs.gov/pub/irs-drop/rp-22-34.pdf for 2023. 2 An employer-sponsored or other employment-based health plan meets the "minimum value standard" if the plan's share of the total allowed benefit costs covered by the plan is no less than 60 percent of such costs. For purposes of eligibility for the premium tax credit, to meet the “minimum value standard,” the health plan must also provide substantial coverage of both inpatient hospital services and physician services. Page 9

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When Can I Enroll in Health Insurance Coverage through the Marketplace? You can enroll in a Marketplace health insurance plan during the annual Marketplace Open Enrollment Period. Open Enrollment varies by state but generally starts November 1 and continues through at least December 15. Outside the annual Open Enrollment Period, you can sign up for health insurance if you qualify for a Special Enrollment Period. In general, you qualify for a Special Enrollment Period if you’ve had certain qualifying life events, such as getting married, having a baby, adopting a child, or losing eligibility for other health coverage. Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the qualifying life event to enroll in a Marketplace plan. There is also a Marketplace Special Enrollment Period for individuals and their families who lose eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage on or after March 31, 2023, through July 31, 2024. Since the onset of the nationwide COVID-19 public health emergency, state Medicaid and CHIP agencies generally have not terminated the enrollment of any Medicaid or CHIP beneficiary who was enrolled on or after March 18, 2020, through March 31, 2023. As state Medicaid and CHIP agencies resume regular eligibility and enrollment practices, many individuals may no longer be eligible for Medicaid or CHIP coverage starting as early as March 31, 2023. The U.S. Department of Health and Human Services is offering a temporary Marketplace Special Enrollment period to allow these individuals to enroll in Marketplace coverage. Marketplace-eligible individuals who live in states served by HealthCare.gov and either- submit a new application or update an existing application on HealthCare.gov between March 31, 2023 and July 31, 2024, and attest to a termination date of Medicaid or CHIP coverage within the same time period, are eligible for a 60-day Special Enrollment Period. That means that if you lose Medicaid or CHIP coverage between March 31, 2023, and July 31, 2024, you may be able to enroll in Marketplace coverage within 60 days of when you lost Medicaid or CHIP coverage. In addition, if you or your family members are enrolled in Medicaid or CHIP coverage, it is important to make sure that your contact information is up to date to make sure you get any information about changes to your eligibility. To learn more, visit HealthCare.gov or call the Marketplace Call Center at 1-800-318-2596. TTY users can call 1-855-889-4325. What about Alternatives to Marketplace Health Insurance Coverage? If you or your family are eligible for coverage in an employment-based health plan (such as an employer-sponsored health plan), you or your family may also be eligible for a Special Enrollment Period to enroll in that health plan in certain circumstances, including if you or your dependents were enrolled in Medicaid or CHIP coverage and lost that coverage. Generally, you have 60 days after the loss of Medicaid or CHIP coverage to enroll in an employment-based health plan, but if you and your family lost eligibility for Medicaid or CHIP coverage between March 31, 2023 and July 10, 2023, you can request this special enrollment in the employment-based health plan through September 8, 2023. Confirm the deadline with your employer or your employment-based health plan. Alternatively, you can enroll in Medicaid or CHIP coverage at any time by filling out an application through the Marketplace or applying directly through your state Medicaid agency. Visit https://www.healthcare.gov/medicaid-chip/getting- medicaid-chip/ for more details. How Can I Get More Information? For more information about your coverage offered through your employment, please check your health plan’s summary plan description or contact . The Marketplace can help you evaluate your coverage options, including your eligibility for coverage through the Marketplace and its cost. Please visit HealthCare.gov for more information, including an online application for health insurance coverage and contact information for a Health Insurance Marketplace in your area. Page 10

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PART B: Information About Health Coverage Offered by Your Employer This section contains information about any health coverage offered by your employer. If you decide to complete an application for coverage in the Marketplace, you will be asked to provide this information. This information is numbered to correspond to the Marketplace application. 3. Employer nameRichmond Community College4.Employer Identification Number (EIN)56-08183765. Employer address6. Employer phone numberPO Box 1189, 1042 W Hamlet Ave 910-410-1700 7.CityHamlet8. StateNC9. ZIP code2834510.Who can we contact about employee health coverage at this job?Karen Bostick, Director of Human Resources11. Phone number (if different from above)12. Email address(910) 410-1804 krbostick@richmondcc.edu Here is some basic information about health coverage offered by this employer: •As your employer, we offer a health plan to: All employees. Eligible employees are: Some employees. Eligible employees are: •With respect to dependents: We do offer coverage. Eligible dependents are: We do not offer coverage. If checked, this coverage meets the minimum value standard, and the cost of this coverage to you is intended to be affordable, based on employee wages. For full-time employees ** Even if your employer intends your coverage to be affordable, you may still be eligible for a premium discount through the Marketplace. The Marketplace will use your household income, along with other factors, to determine whether you may be eligible for a premium discount. If, for example, your wages vary from week to week (perhaps you are an hourly employee or you work on a commission basis), if you are newly employed mid- year, or if you have other income losses, you may still qualify for a premium discount. If you decide to shop for coverage in the Marketplace, HealthCare.gov will guide you through the process. Here's the employer information you'll enter when you visit HealthCare.gov to find out if you can get a tax credit to lower your monthly premiums. All permanent full-time and part-time teachers and state employees. For a complete list of eligibility rules, please see the State Health Plan's benefit book. An employee's spouse and/or a natural, legally adopted or foster child of the subscriber or spouse upt o age 26. For a complete list of dependent eligibility rules, please see the State Health Plan's benefit book. Page 11

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The NC 401(k) Plan The NC 401(k) Plan is a retirement savings plan administered by the North Carolina Department of State Treasurer, and available exclusively to North Carolina public employees who are actively contributing to one of the NC Retirement Systems. North Carolina state and local government employers offer this Plan to help you reach your retirement savings goals. The Plan offers you these benefits: • Automatic payroll deductions. Contributions to the NC 401(k) Planare made through payroll deduction.• You may change or stop your contributions at any time, andno minimum contribution is required.• 100% vesting. You are fully vested in the NC 401(k) Plan from yourfirst contribution to your last. To be “vested” means to own, whichmeans the money is always yours.• Convenient asset consolidation. To simplify your financial life, the NC401(k) Plan allows for rollovers from other retirement plans you mayhave from former employers, including 401(k), 401(a), 403(b),Governmental 457 and TSP plans, and some IRAs.• Multiple investment choices. You can invest in vehicles thatrange from potentially high growth to highly conservative, soyou can make the most appropriate choice to help you meet yoursavings goals.• Simple investing with GoalMaker. GoalMaker® is an optional,easy-to-use asset allocation program available at no additional costthat automatically guides you to an age-appropriate investmentmix based on your investor style. Past performance of investmentsor asset classes does not guarantee future results.• Quarterly statements to keep you informed. Statements areprovided after the end of each quarter to help you monitor activityin your account.• Online retirement planning tools. You may access your account24 hours a day, 7 days a week. You may also access a host ofretirement articles, interactive calculators and other resourcesat myNCPlans.com.• One-on-one help. The NC 401(k) Plan has knowledgeableRetirement Education Counselors* strategically located throughoutNorth Carolina to help you get the most from your participationin the Plan. These representatives are a resource available to Planmembers by phone, email or in person.*Retirement counselors are registered with Empower Financial Services,Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is notintended to provide investment, legal or tax recommendations or advice.For details about the Plan’s investment options, please visit myNCPlans.com and go to the Choose Investments tab to view the quarterly fund fact sheets. Page 13

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Traditional pre-tax contributions Pre-tax contributions are automatically deducted from your paycheck before any federal or state income taxes are taken out, therefore reducing your taxable income. As a result, your take-home pay is not impacted by the full amount of your contribution. Additionally, these contributions have the potential to grow tax-deferred until withdrawal. At that point, federal and state income taxes will be incurred. Roth after-tax contributions Roth contributions are automatically deducted from your paycheck after taxes are paid and therefore reduce your take-home pay dollar for dollar. Roth contributions and returns have the potential to grow tax-deferred and can benefit members who anticipate being in a higher tax bracket while in retirement and would rather pay taxes at today’s tax rate. Qualified distributions are federal income tax-free.* Special “One Time” Contributions If you wish to defer additional compensation that will be deducted for only one payroll cycle for reasons such as longevity payments, or final payouts of unused vacation and/or bonus leave, you may coordinate this deduction with your payroll office. You can obtain a One Time Contribution Form by visiting the Tools & Resources tab at myNCPlans.com. Submit the completed form directly to your payroll office. Total annual contributions may not exceed IRS limits. * Amounts withdrawn before age 59½ may be subject to a 10% federal income tax penalty, applicable taxes and plan restrictions. Withdrawals are taxed at ordinaryincome tax rates. See plan information regarding limitations on withdrawals from your 401(k) account. According to IRS rules, a distribution from a Roth 401(k)is qualified to be tax-free if the first Roth contribution to your account remains in the account for at least five tax years AND: a) you are age 59½ or older, or b) disability or death. If your withdrawal does not meet these conditions, then the Roth earnings—but not the Roth contributions—may be subject to state andfederal income taxes.Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice.We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. We do not provide investment OR tax advice; please consult a tax advisor for more information.You save per month $25 $100 $200 $300 10 years $4,327 $17,308 $34,617 $51,925 15 years $7,924 $31,696 $63,392 $95,089 20 years $13,023 $52,093 $104,185 $156,278 30 years $30,499 $121,997 $243,994 $365,991 Assumes 7% annual return. The compounding concept is hypothetical and for illustrative purposes only and is not intended to represent performance of any specific investment, which may fluctuate. This example is based on a hypothetical rate of return of 7% compounded annually. No taxes are considered in the calculations; generally withdrawals are taxable at ordinary rates. It is possible to lose money by investing in securities. The Plan accepts rollovers from other qualified retirement plans you may have from former employers, including 401(k), 401(a), 403(b), governmental 457 plans and TSP plans, as well as Traditional, Conduit, SIMPLE and SEP IRAs. Under current IRS guidelines, Roth IRAs are not eligible for rollover into the Plan. All rollover requests must receive pre-approval from the Plan before funds can be received. Initiating a rollover into your 401(k) Plan is easy, and it offers many benefits, including: Page 14

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We understand that there may be times when you need to access the funds in your retirement account sooner rather than later. The NC 401(k) Plan gives you the ability to do this through: • Loans. Active employees may be eligible to borrow money from theiraccount for any purpose. Loans are repaid through payroll deduction,with the interest paid directly to your account. The minimum loan is$1,000, and the maximum loan is 50% of your account value, up to$50,000. You have up to five years to repay a loan. You may only haveone loan outstanding at any time. Restrictions apply. There is a $60 feefor taking out a loan. Please keep in mind that loans and withdrawalscan affect your account balance.1• In-service distributions. Plan members who are age 59½ or oldercan withdraw or roll over all or part of an account balance to anotherqualified retirement savings vehicle, like an IRA. In addition, andregardless of age, members may elect to roll over all or a portion of theirbalance to the North Carolina Retirement Systems to purchase servicecredits—this type of distribution is NOT subject to ordinary income tax.• Hardship withdrawals. If you’re younger than age 59½, several typesof hardship withdrawals are available, depending on the circumstances.Qualifying hardship withdrawals include: – Expenses for medical care previously incurred by you, your spouse,your primary beneficiary or any dependents.– Costs directly related to the purchase of your principal residence,excluding mortgage payments.– Tuition, related educational fees, and room and board expensesfor the next 12 months of post-secondary education for yourself,your spouse, your primary beneficiary or dependents.– Funeral/burial expenses for a parent, spouse, child, dependent orprimary beneficiary.– Payments necessary to prevent your eviction from your principalresidence or foreclosure on the mortgage of your principal residence.– Certain expenses relating to the repair of damage to yourprincipal residence.– Expenses and losses (including loss of income) incurred on accountof a FEMA-declared disaster if you live or work in a FEMA-designateddisaster area.Hardship withdrawals are subject to income tax and, if prior to age 59½, a 10% tax penalty. When you leave employment, you can choose what to do with your money in the NC 401(k) Plan:* Withdrawal restrictions apply to participants who retire or leave a covered position at an employer that participates in the NC 401(k) Plan, and, after doing so, transition to a covered position with another employer that participates in the Plan. • Leave your funds in the Plan: Contributions to the Plan stop whenyou leave employment, but the investments in your account remaininvested and continue to work for you. Federal rules require thatyou must begin taking minimum distributions by April 1 in the yearfollowing the year that you turn age 72,2 provided you are no longerworking for the plan sponsor (employer).• Take a systematic withdrawal (periodic payments to fit your need):You can opt to receive monthly, quarterly, semiannual or annualinstallment payments.*• Take a full or partial lump-sum withdrawal: This option allows you towithdraw all or a portion of your account balance on an as-neededbasis, at your discretion.**• Roll over all or a part of your balance to an eligible employer- sponsored retirement plan or to an IRA (Individual RetirementAccount): A rollover to a qualified plan is not subject to taxes orpenalties, provided the check is made payable to the financialinstitution receiving the funds.• Generate monthly lifetime income: Transfer all or a portion of yourpre-tax account balance to North Carolina’s Teachers’ and StateEmployees’ Retirement System (TSERS) or Local GovernmentalEmployees’ Retirement System (LGERS), where it can be paid asa monthly benefit for your lifetime and/or the lifetime of yourdesignated survivor. At or after retirement with TSERS or LGERS, Planmembers can select from among a variety of income stream options inaddition to their monthly pension benefit. This one-time (irrevocable)transfer is only applicable to pre-tax contributions, including fundsrolled into the Plan and any employer contributions.1 Any outstanding loan balance not paid back at termination becomes taxable in the year of default. Under the Tax Cuts and Jobs Act of 2018 for defaults related to termination of employment after 2017, the individual has until the due date of that year's return (including extensions) to roll over this amount to an IRA or qualified employer plan. Page 15

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The NC 457 Plan The NC 457 Plan is a deferred compensation plan administered by the North Carolina Department of State Treasurer, and available exclusively to those North Carolina public employees whose employers offer the Plan. This includes full-time, part-time and temporary employees; elected and appointed officials; rehired retired employees and North Carolina state and local government employees. The Plan offers you these benefits: •Automatic payroll deductions. Contributions to the NC 457 Planare made through payroll deduction.•You may change or stop your contributions at any time, andno minimum contribution is required.•100% vesting. You are fully vested in the Plan from your firstcontribution to your last. To be “vested” means to own, whichmeans the money is always yours.•Penalty-free withdrawals. Withdrawals from your NC 457 Plan accountare never subject to a 10% federal income tax penalty, regardless ofyour age at the time of withdrawal. Remember that the NC 457 Planis a single-state plan, administered by the North Carolina Departmentof State Treasurer, available to all eligible employees whose employersoffer the Plan. Withdrawal restrictions apply to participants who retireor leave a covered position at an employer that participates in theNC 457 Plan, and, after doing so, transition to a covered position withanother employer that participates in the Plan.•Convenient asset consolidation. To simplify your financial life, theNC 457 Plan allows for rollovers from other retirement plans youmay have from former employers, including 401(k), 401(a), 403(b),governmental 457 and TSP plans, and some IRAs.•Online retirement planning tools. You may access your account 24hours a day, 7 days a week. You may also access a host of information,interactive calculators and other resources at myNCPlans.com.•Multiple investment choices. You can invest in vehicles that rangefrom potentially high growth to highly conservative, so you can makethe most appropriate choice to help you meet your savings goals.•Simple investing with GoalMaker. GoalMaker® is an optional, easy- to-use asset allocation program available at no additional cost thatautomatically offers you an age-appropriate investment mix based onyour investor style. Past performance of investments or asset classesdoes not guarantee future results.•Quarterly statements to keep you informed. Statements are providedafter the end of each quarter to help you monitor activity in your account.•One-on-one help. The NC 457 Plan has knowledgeable EmpowerRetirement Education Counselors* strategically located throughoutNorth Carolina to help you to get the most from your participationin the Plan. These representatives are a resource available to Planmembers by phone, email, in person, or through a virtual one-on-onefrom your smartphone or computer.*Retirement counselors are registered with Empower Financial Services, Inc.,Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; EmpowerFunds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice.For details about the Plan’s investment options, please visit myNCPlans.com and go to the Choose Investments tab to view the quarterly fund fact sheets. Page 16

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Traditional pre-tax contributions Pre-tax contributions are automatically deducted from your paycheck before any current federal or state income taxes are taken out,therefore reducing your taxable income. As a result, your take- home pay is not impacted by the full amount of your contribution. Additionally, these contributions grow tax-deferred until withdrawal. At that point, federal and state income taxes will be incurred. Roth after-tax contributions Roth contributions are automatically deducted from your paycheck after current taxes are paid and therefore reduce your take-home pay dollar for dollar. Roth contributions and earnings grow tax-deferred and can benefit members who anticipate being in a higher tax bracket while in retirement and would rather pay taxes at today’s tax rate. Qualified distributions are federal income tax free.* Special “One-Time” Contributions If you wish to defer additional compensation that will be deducted for only one payroll cycle for reasons such as longevity payments, or final payouts of unused vacation and/or bonus leave, you may coordinate this deduction with your payroll office. You can obtain a One Time Contribution Form by visiting the Tools & Resources tab at myNCPlans.com. Submit the completed form directly to your payrolloffice. Total annual contributions may not exceed IRS limits.*There are two separate sets of rules for taking distributions from your NC 457 Roth account on a tax-free basis. The first NC 457 Plan rule states you can only take adistribution after you: (i) separate from service; or (ii) attain age 59½ while still in service. The second, an IRS rule, defines what is considered a “qualified” distributionfrom a Roth Account in order to be tax free.** Taken together, this means that you can withdraw money from your NC 457 Roth Account tax free once you meet thefollowing criteria: The first Roth contribution to your account must remain in your account for at least five tax years; AND: a) you have separated from service and areage 59½ or older; or b) you have separated from service due to a death or disability retirement; or c) you are still working and are at least age 59½. If your withdrawaldoes not meet these conditions, then the Roth earnings—but not the Roth contributions—may be subject to state and federal income taxes.**The criteria outlined by the IRS is for tax-free treatment for federal income tax purposes. Your withdrawal may also be eligible for state tax-free treatment.You save per month $25 $100 $200 $300 10 years $4,327 $17,308 $34,617 $51,925 15 years $7,924 $31,696 $63,392 $95,089 20 years $13,023 $52,093 $104,185 $156,278 30 years $30,499 $121,997 $243,994 $365,991 Assumes 7% annual return. The compounding concept is hypothetical and for illustrative purposes only and is not intended to represent performance of any specific investment, which may fluctuate. It is possible to lose money by investing in securities. No taxes are considered in the calculations; generally, withdrawals are taxable at ordinary rates. Page 17

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We understand that there may be times when you need to access the funds in your retirement account sooner rather than later. The NC 457 Plan gives you the flexibility to do this through: •Loans. Active employees may be eligible to borrow money from theiraccount for any purpose. Loans are repaid through payroll deduction,with the interest paid directly to your account. The minimum loan is$1,000, and the maximum loan is 50% of your account value, up to$50,000. You have up to five years to repay a loan. There’s also a15-year repayment allowed for the purchase of a primary residence.You may only have one loan outstanding at any time. There is a $60processing fee for taking out a loan. Please keep in mind that loansand withdrawals can affect your account balance.1•Voluntary small balance cash out request. You are allowedto withdraw your funds after 24 consecutive months with nocontributions and an account value of less than $5,000 withoutpenalty, but the amount may be subject to ordinary income tax.•In-service distributions.2 Plan members who are age 59½ or oldercan withdraw or roll over all or part of an account balance to anotherqualified retirement savings vehicle, like an IRA. In addition, andregardless of age, members may elect to roll over all or a portion of their balance to the North Carolina Retirement Systems to purchase service credits—this type of distribution is NOT subject to ordinary income tax. •Hardship withdrawals. There are several types of hardshipwithdrawals available, depending on the circumstances. Qualifyinghardship withdrawals include:–Medical expenses not covered by insurance for you, your spouseor dependents–Payments to prevent eviction from your principal residence,or foreclosure on the mortgage of your principal residence–Funeral/burial expenses for a parent, spouse, child orother dependent–Certain expenses relating to the repair of damage to yourprincipal residenceWhen you leave employment, you can choose what to do with your money in the NC 457 Plan The NC 457 Plan is a single-state plan, administered by the North Carolina Department of State Treasurer, available to all eligible employees whose employers offer the Plan. Withdrawal restrictions apply to participants who retire or leave a covered position at an employer that participates in the NC 457 Plan, and, after doing so, transition to a covered position with another employer that participates in the Plan. •Leave your funds in the Plan. Contributions to the Plan will stopwhen you leave employment, but the investments in your accountremain invested and continue to work for you. Federal rules requirethat you must begin taking minimum distributions by a certain age,provided you are no longer working for the plan sponsor (employer).To learn more, you can contact a tax professional.•Take a systematic withdrawal (periodic payments to fit your need).You can opt to receive monthly, quarterly, semiannual or annualinstallment payments.•Take a full or partial lump-sum withdrawal.3 This option allows youto withdraw all or a portion of your entire account balance on anas-needed basis at your discretion.*•Roll over all or a part of your balance to an eligible employer- sponsored retirement plan or to an Individual Retirement Account (IRA).3 A rollover to a qualified plan is not subject to taxes orpenalties, provided the check is made payable to the financialinstitution receiving the funds.•Generate monthly lifetime income. Transfer all or a portion of yourpre-tax account balance to the North Carolina’s Teachers’ and StateEmployees’ Retirement System (TSERS) or the Local GovernmentEmployees’ Retirement System (LGERS), where it can be paid asa monthly benefit for your lifetime and/or the lifetime of yourdesignated beneficiary. At or after retirement with TSERS or LGERS,Plan members can select from a variety of income stream options inaddition to their monthly pension benefit. This one-time, irrevocabletransfer is only applicable to pre-tax contributions, including fundsrolled into the Plan and any employer contributions.Page 18

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Flexible Spending Accounts from HealthEquity You must re-enroll each year to participate in FSA’s! Register to learn more about your options. Covered employees should register for online administration. You will be able to file and follow claims, check account balances, establish payments for dependent care, and more. Debit Card for Flexible Spending Account – The current Maximum Annual Available is $3200 Existing FSA participants may continue to use your current debit card. Newly hired employees will receive a debit card to use for qualified purchases. Prior to receiving your card, you may file claims using the procedures provided in the back of this booklet. Benefit elections made during open enrollment cannot be changed after enrollment closes unless there is a qualifying event as defined by the Internal Revenue Code. Examples of qualifying events are marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse's employment, or certain changes of a spouse's employment. You have 30 days from the date of the qualifying event to request a change in benefits. Flexible Spending Account expenses must be incurred during the Plan Year to be eligible for reimbursement. Filing claims timely can prevent loss of funds. If employment terminates during the plan year, the employee's plan year ends the day employment ends. All claims should be submitted immediately upon termination. Dependent Care Flexible Spending Account – The Current Maximum Available is $5,000 The Dependent Care Flexible Spending Account maximum reimbursement is equal to your account balance. You cannot be reimbursed more than the amount in your account. Benefit Accessibility You will have access to your annual Medical FSA election on the ﬁrst day of the plan year. You will have access to your Dependent Care FSA after deductions are made and the funds have been transmitted to your account. Use it or Lose it Make sure you plan the use of your FSA. If you contribute funds to your Medical FSA and do not use all the money, you may carryover up to $640 for next year. Funds exceeding The designated carryover amount (currently $640) will be lost. Be sure to submit claims immediately after the end of the plan year. #1 USE YOUR CARD WHENEVER POSSIBLE #2 USE YOUR FSA TO PAY FOR SPOUSE & DEPENDENTS NEEDS #3 PAY FOR ELIGIBLE DENTAL AND VISION EXPENSES #4 CHECK AND KNOW YOUR FSA BALANCE Page 19

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GROUP VOLUNTARY ACCIDENT INSURANCE BENEFIT HIGHLIGHTS With Accident insurance, you’ll receive payment(s) associated with a covered injury and related services. You can use the payment in any way you choose – from expenses not covered by your major medical plan to day-to-day costs of living such as the mortgage or your utility bills. Every year nearly 3 million emergency room visits are caused by youth sports.1The Hartford can ease the financial pain!Richmond Community CollegeCOVERAGE INFORMATION You have a choice of two accident plans, which allows you the flexibility to enroll for the coverage that best meets your needs. This insurance provides benefits when injuries, medical treatment and/or services occur as the result of a covered accident. Unless otherwise noted, the benefit amounts payable under each plan are the same for you and your dependent(s). PLAN INFORMATION OPTION 1 OPTION 2 Coverage Type On and off-job (24 hour) On and off-job (24 hour) BENEFITS OPTION 1 OPTION 2 EMERGENCY, HOSPITAL & TREATMENT CARE Accident Follow-Up Up to 3 visits per accident within 90 days $100 $150 Accident Prevention Benefit Once per year for each covered person $75 $75 Acupuncture/Chiropractic Care/PT Up to 10 visits each per accident within 365 days $50 $75 Ambulance – Air Once per accident within 72 hours $2,000 $2,500 Ambulance – Ground Once per accident within 90 days $750 $1,000 Blood/Plasma/Platelets Once per accident within 90 days $300 $400 Child Care Up to 30 days per accident while insured is confined $35 $50 Daily Hospital Confinement Up to 365 days per lifetime $400 $600 Daily ICU Confinement Up to 30 days per accident $600 $800 Diagnostic Exam Once per accident within 90 days $300 $400 Emergency Dental Once per accident within 90 days Up to $450 Up to $600 Emergency Room Once per accident within 72 hours $200 $250 Hospital Admission Once per accident within 90 days $1 ,500 $ 2,000 Initial Physician Office Visit Once per accident within 90 days $100 $150 Lodging Up to 30 nights per lifetime $150 $175 Medical Appliance Once per accident within 90 days $200 $300 Rehabilitation Facility Up to 15 days per lifetime within 90 days $300 $450 Transportation Up to 3 trips per accident $600 $800 Urgent Care Once per accident within 72 hours $150 $200 X-rayOnce per accident within 90 days $150 $200 SPECIFIED INJURY & SURGERY OPTION 1 OPTION 2 Abdominal/Thoracic Surgery Once per accident within 90 days $3,000 $4,000 Arthroscopic Surgery Once per accident within 90 days $500 $750 Burn Once per accident within 72 hours Up to $15,000 Up to $20,000 Burn – Skin Graft Once per accident 50% of burn 5 0% of burn Concussion Up to 3 per year within 72 hours $200 $250 Dislocation Once per joint per lifetime Up to $8,000 Up to $12,000 ACCIDENT BHS_ ACTIVE FULL-TIME EMPLOYEE 0 01651 26 Page 21

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Eye Injury Once per accident within 90 days Up to $750 Up to $1,000 Fracture Once per bone per accident within 90 days Up to $10,000 Up to $12,000 Hernia Repair Once per accident within 364 days $400 $600 Joint Replacement Once per accident within 90 days $4,000 $6,000 Knee Cartilage Once per accident within 12 months Up to $2,000 Up to $3,000 Laceration Once per accident within 72 hours Up to $1 ,000 Up to $1,500 Ruptured Disc Once per accident within 365 days $2,000 $3,000 Tendon/Ligament/Rotator Cuff Once per accident Up to $2,000 Up to $3,000 CATASTROPHIC OPTION 1 OPTION 2 Accidental Death Within 90 days; Spouse @ 50% and child @ 25% $75,000 $100,000 Common Carrier Death Within 90 days 2 times death benefit 3 times death benefit Coma Once per accident within 90 days Up to $15,000 Up to $20,000 Dismemberment Once per accident within 90 days; spouse @ 100% and child @ 100% Up to $75,000 Up to $100,000 Home Health Care Up to 30 days per accident $75 $ 100 Paralysis Once per accident Up to $75,000 Up to $100,000 Prosthesis Once per accident Up to $3,000 Up to $4,000 Organized Amateur Sports Injury Enhancement Benefit adds extra benefits 25% of non- catastrophic benefits 25% of non-catastrophic benefits PREMIUMS The amounts shown are monthly amounts (12 payments/deductions per year) :4COVERAGE TIER OPTION 1 OPTION 2 Employee Only $11.91 $16.55 Employee & Spouse/Partner $18.77 $26.07 Employee & Child(ren) $20.38 $28.16 Employee & Family $31.88 $44.09 ASKED & ANSWERED WHO IS ELIGIBLE? You are eligible for this insurance if you are an active full-time employee who works at least 20 hours per week on a regularly scheduled basis. Your spouse and child(ren) are also eligible for coverage. Any child(ren) must be under age 26 (or under age 26 if a full -time student). CAN I INSURE MY DOMESTIC OR CIVIL UNION PARTNER? Yes. Any reference to “spouse” in this document includes your domestic partner, civil union partner or equivalent, as recognized and allowed by applicable law. AM I GUARANTEED COVERAGE? This insurance is guaranteed issue coverage – it is available without having to provide information about your or your family’s health. All you have to do is elect the coverage to become insured. HOW MUCH DOES IT COST AND HOW DO I PAY FOR THIS INSURANCE? Premiums are provided above. You have a choice of plan options. You may elect insurance for you only, or for you and your dependent(s), by choosing the applicable coverage tier. Premiums will be automatically paid through payroll deduction, as authorized by you during the enrollment process. This ensures you don’t have to worry about writing a check or missing a payment. WHEN CAN I ENROLL? You may enroll during open enrollment. WHEN DOES THIS INSURANCE BEGIN? You must be actively at work with your employer on the day your coverage takes effect. Your spouse and child(ren) must be performing normal activities and not be confined (at home or in a hospital/care facility). ACCIDENT BHS_ ACTIVE FULL-TIME EMPLOYEE 0 01651 26 Page 22

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WHEN DOES THIS INSURANCE END? This insurance will end when you or your dependents no longer satisfy the applicable eligibility conditions, premium is unpaid, you are no longer actively working, you leave your employer, or the coverage is no longer offered. CAN I KEEP THIS INSURANCE IF I LEAVE MY EMPLOYER OR AM NO LONGER A MEMBER OF THIS GROUP? Yes, you can take this coverage with you. Coverage may be continued for you and your dependent(s) under a group portability policy. Your spouse may also continue insurance in certain circumstances. The specific terms and qualifying events for portability are described in the certificate. 1National Health Statistics Reports, November 2019. CDC/National Center for Health Statistics: https://www.cdc.gov/nchs/data/nhsr/nhsr133-508.pdf, as viewed as of 10/14/2020 4Rates and/or benefits may be changed on a class basis. The Buck’s Got Your Back ® The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. LIMITATIONS & EXCLUSIONS This insurance coverage includes certain limitations and exclusions. The certificate details all provisions, limitations, and exclusions for this insurance coverage. A copy of the certificate can be obtained from your employer. GROUP ACCIDENT INSURANCE LIMITATIONS AND EXCLUSIONS The benefits payable are based on the insurance in effect on the date of the covered accident, subject to the definitions, limitations, exclusions and other provisions of the policy. You and your dependent(s) must be citizens or legal residents of the United States, its territories and protectorates. This insurance does not provide benefits for any loss that results from or is caused by:  Suicide or attempted suicide, whether sane or insane, or intentionally self-inflicted injury War or act of war, whether declared or undeclared, or a nuclear, chemical, biological, or radiological event A covered person's participation in a felony, riot or insurrection A covered person's service in the armed forces or units auxiliary to it  A covered person's taking drugs, unless as prescribed by or administered by a physician, or being intoxicated as defined by the jurisdiction in which the cause ofloss was incurred A covered person’s sickness or bacterial infection A covered person’s participation in bungee jumping or hang gliding A covered person’s participation or competition in semi-professional or professional sports Cosmetic surgery or any other elective procedure that is not medically necessary While a covered person is on any aircraft: as a pilot, crewmember or student pilot; as a flight instructor or examiner; if it is owned, operated or leased by oron behalf of the policyholder, or any employer or organization whose eligible persons are covered under the policy; or being used for tests, experimentalpurposes, stunt flying, racing or endurance tests Operating, learning to operate, serving as a crew member of or jumping or falling from any aircraft Riding in or driving any motor-driven vehicle in a race, stunt show or speed test All exclusions may not be applicable, or may be adjusted, as required by state regulations in the situs state of a group. NOTICES THIS IS A LIMITED ACCIDENT ONLY BENEFIT POLICY THIS POLICY IS A LIMITED ACCIDENT ONLY BENEFIT POLICY. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. In New York: This Accident policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE—THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. 5962g NS 05/21 Accident Form Series includes GBD-2000, GBD-2300, or state equivalent. © 2020 The Hartford. ACCIDENT BHS_ ACTIVE FULL-TIME EMPLOYEE 0 01651 26 Page 23

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GROUP BENEFITS ACCIDENT INSURANCE Accident Prevention Benefit The Accident Prevention Benefit is an optional benefit available with The Hartford s group accident plans. The Accident Prevention Benefit is not available in all states.* (Please consult your Hartford representative or see below for current limitations.) The Hartford s Accident Prevention Benefit is payable once each year for each covered person employee/member, spouse/partner and any dependent child(ren). Accident Prevention Benefit claims may be submitted by the employee/member over the phone, through the online claims portal, or through traditional paper claim form (fax or mail). Methods of payment include traditional check or EFT/ACH (upon completion of registration for EFT/ACH payments). When the Accident Prevention Benefit is included in an accident plan, the exams, screenings and programs covered under the benefit include: a dental exam an eye exam a hearing exam an annual physical a sports physical a well-child exam an employer-sponsored wellness or biometric screening a serum cortisol test (for stress levels) successful completion of an appropriately licensed or accredited: -emotion management or stress reduction program-driver safety and training program-motorcycle safety and training program-workplace safety and training program*As of 5/7/20, the Accident Prevention Benefit is not available to group policies sitused in the following jurisdictions: CA, CO, DC, IN, MI, ND, NM, NH,NY, OR, VT or WA$75.00 Reimbursement The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Li fe and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwr iting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued inforce or discontinued. ©2020 The Hartford. Accident Form Series includes GBD-2000, GBD-2300, or state equivalent. Page 24

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Group Voluntary Cancer (North Carolina) Benefits and Amounts HOSPITAL AND RELATED BENEFITS OPTION 1 OPTION 2 Continuous Hospital Confinement (daily) $100 $300 Government or Charity Hospital (daily) $100 $300 Private Duty Nursing Services (daily) $100 $300 Extended Care Facility (daily) $100 $300 At Home Nursing (daily) $100 $300 Freestanding Hospice Care Center (daily) or $100 $300 Hospice Care Team (per visit) $100 $300 RADIATION, CHEMOTHERAPY, AND RELATED BENEFITS Radiation/Chemotherapy for Cancer (every 12 months) $5,000 $12,500 Blood, Plasma, and Platelets (every 12 months) $5,000 $12,500 Hematological Drugs (yearly) $100 $250 Medical Imaging (yearly) $250 $625 SURGERY AND RELATED BENEFITS Surgery (maximum, depending on surgery) $1,500 $3,000 Anesthesia (% of Surgery Benefit) 25% 25% Ambulatory Surgical Center (daily) $250 $500 Second Opinion $200 $400 Bone Marrow or Stem Cell Transplant - Autologous* $500 $1,000 Non-autologous* $1,250 $2,500 Non-autologous for Leukemia* $2,500 $5,000 MISCELLANEOUS BENEFITS Inpatient Drugs and Medicine (daily) $25 $25 Physician’s Attendance (daily) $50 $50 Ambulance (per confinement) $100 $100 Non-Local Transportation (per trip or mile) Coach Fare or Coach Fare or $0.40/Mile $0.40/Mile Outpatient Lodging (daily, $2,000 max/12 months) $50 $50 Family Member Lodging (daily) and $50 $50 Transportation (per trip or mile) Coach Fare or Coach Fare or $0.40/Mile $0.40/Mile Physical or Speech Therapy (daily) $50 $50 New or Experimental Treatment (every 12 months) $5,000 $5,000 Prosthesis (per amputation) $2,000 $2,000 Hair Prosthesis (every 2 years) $25 $25 Nonsurgical External Breast Prosthesis $50 $50 Anti-Nausea Benefit (yearly) $200 $200 Waiver of Premium (primary insured only) Yes Yes OPTIONAL BENEFITS Cancer Initial Diagnosis (one-time benefit) $5,000 $5,000 Wellness (yearly) $100 $100 * Yearly Page 26

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Group Voluntary Cancer (North Carolina) PLAN DESIGN EE EE + SP EE + CH F Option 1 - Monthly $17.48 $27.81 $24.20 $34.50 1 Unit Hospital Benefits, 2 Units Radiation & Chemotherapy Benefits, 1 Unit Surgery Benefits, 1 Unit Miscellaneous Benefits, 4 Units Wellness Benefit, 5 Units Cancer Initial Diagnosis. Option 2 – Monthly 3 Units Hospital Benefits, 5 Units Radiation & Chemotherapy Benefits, 2 Units Surgery Benefits, 1 Unit Miscellaneous Benefits, 4 Units Wellness Benefit, 5 Units Cancer Initial Diagnosis. $30.30 $47.10 $42.73 $59.50 In addition to cancer, benefits (unless noted specifically for cancer) are also payable for: Muscular Dystrophy, Amyotrophic Lateral Sclerosis (Lou Gehrig's Disease), Poliomyelitis, Multiple Sclerosis, Encephalitis, Rabies, Tetanus, Tuberculosis, Osteomyelitis, Diphtheria, Scarlet Fever, Cerebrospinal Meningitis (bacterial), Brucellosis, Sickle Cell Anemia, Thalassemia, Rocky Mountain Spotted Fever, Legionnaires' Disease (confirmation by culture or sputum), Addison's Disease, Hansen's Disease, Tularemia, Hepatitis (Chronic B or Chronic C with liver failure or Hepatoma), Typhoid Fever, Myasthenia Gravis, Reye's Syndrome, Primary Sclerosing Cholangitis (Walter Payton's Liver Disease), Lyme Disease, Systemic Lupus Erythematosus, Cystic Fibrosis, Primary Biliary Cirrhosis. EE=Employee EE + SP = Employee + Spouse EE + CH = Employee + Children F = Family Page 27

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G 4PICV BVA A 63831MJBT levarC rof yap pleh na e elihw sesnepx r ni tnemtaert gniviece a ytic rehtonH emoC eht yap pleh na m latner eunitnoc ,egagtro p emoh droffa ro ,stnemya r erac retfa rof sriapeE sesnepxC s’ylimaf sih yap pleh na l sa hcus ,sesnepxe gnivi b sag dna ,yticirtcele ,slliF secnaniC ,sASH tcetorp pleh na s snalp tnemeriter ,sgniva a morf s)k(104 dn b detelped gnieC ESOOHU ESC .tnemllornE nepO s'reyolpme sih gnirud ecnarusnI ssenllI lacitirC stﬁeneB etatsllA rof pu sngis solraT .yrav yam ecneirepxe laudividni ruoy ;noitautis lanoitcif a sliated evoba elpmaxe ehF .5 dna 4 ,3 segap ees ,stnuoma tifeneb dna stifeneb fo gnitsil a roC ,latrop bew tneinevnoc eht hguorht egarevoc ssenllI lacitirC stifeneB etatsllA sih htiw mialc a selif solra M .*stifeneByH :rof tifeneb hsac mus-pmul a seviecer eC MIAL• ssenlleW dexiF• yregruS ssapyB yretrA yranoroCR yrevoceD noisiceD sisongaiW maxE ssenlle S yregruH sdnemmocer rotcod si s a evomer ot yregru b sllet dna egakcol C lliw yrevocer sih solra t skeew thgie ot xis ekaC sah solra b dna yregrus ssapy i rof latipsoh eht ni s 4 syad C emoh seog solra t yrevocer sih nigeb o a raluger sah dn d stisiv rotcoA a dna stset erom retf v ,tsigoloidrac a ot tisi C desongaid si solra w yranoroc htia esaesid yretrC stceted rotcod ’solra a noitidnoc traeh d launna sih gniru w maxe ssenlleM solraC teeO dna timbus ,ngiSe .stifeneb ruoy tuoba noitamrofni tnatropmi ot ssecca 7/42 sreff c tcerid eb ot stifeneb hsac tseuqer ,)yrotsih mialc gnidulcni( smialc ruoy kceh d .erom dna ,noitamrofni lanosrep ot segnahc ekam ,detisope* latroP gniliF mialC stifeneByMA moc.etatslla.stifenebym :sseccA :yrots sih s'ereH .esaesid yretra yranoroc a sah eh snrael solraC ,retal shtnom wef H stifeneb hsac sih esu nac solraC syaw eht fo emos era erePage 31

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G 4PICV BVA A 63831MJBB stifene - I STIFENEB SSENLLI LACITIRC LAITIN ( )setanimret egarevoc eht ,desu neeb evah stifeneb lla nehW .nosrep derevoc rep ecno diap stifeneBH kcattA trae - t eht fo noitrop a fo htaed eh h .ylppus doolb etauqedani ot eud elcsum trae E dna noitcrafni laidracoym )dlo( dehsilbats c derevoc ton era tserra caidraS ekort - t niarb eht fo noitrop a fo htaed eh p gnidulcni ealeuqes lacigoloruen gnicudor i dna egahrromeh ,eussit niarb fo noitcrafn e .ecruos lainarc-artxe na morf noitazilobm T ,yrujni daeh ,)sAIT( skcatta cimehcsi tneisnar c elbisrever dna ycneiciffusni ralucsavorberec cinorh i derevoc ton era sticifed lacigoloruen cimehcsE eruliaF laneR egatS dn - i fo eruliaf elbisreverr b ro sisylaid laenotirep ni gnitluser ,syendik hto h citamuart yb desuac eruliaf laneR .sisylaidome e derevoc ton era ,amuart lacigrus gnidulcni ,stnevM tnalpsnarT nagrO roja - p rehtie sya C tnalpsnarT lanoitaN no decalp fi tifeneB etadidna L ,traeh fo tnalpsnart rof tifeneB yregruS ro ,tsi l syendik dna sgnuL .syendik ro saercnap ,revil ,sgnu a fo sseldrager ,nagro rojam eno deredisnoc hcae er w era syendik ro sgnul htob ro eno rehteh t etadidnaC fi diap ton tifeneB yregruS .detnalpsnar B diap ton osla ;nagro rojam emas eht rof diap tifene f snagro namuh-non ro lacinahcem roC yregruS ssapyB yretrA yranoro - t tcerroc o n yranoroc erom ro eno fo egakcolb ro gniworra a citroa lanimodbA .tfarg ssapyb htiw seiretr b ,ymotcelobme resal ,ytsalpoigna noollab ,ssapy a lacigrus-non dna tnemecalp tnets ,ymotcereht p derevoc ton era serudecorW )ylno eeyolpme( muimerP fo revia - p evitucesnoc 09 rof delbasid fi deviaw smuimer d esaesid deificeps ro ssenlli lacitirc a ot eud syaR )S(TIFENEB SSENLLI LACITIRC FO ECNERRUCCOE ( )setanimret egarevoc eht ,desu neeb evah stifeneb lla nehW .nosrep derevoc rep ecno diap stifeneBI ssenllI lacitirC laitin - s erom sisongaid dnoce t rof sisongaid fo etad tsrif eht retfa shtnom 6 nah w diap saw tifeneb ssenllI lacitirC laitinI na hcihR STIFENEB REDIC rediR tnemecnahnE yranomlupoidra - o ecn p nosrep derevoc rep ssenlli re• tserrA caidraC nedduS - p eht si ti fi elbayap traeh( noitcrafni laidracoyM .sisongaid yramir a derevoc ton si )kcatt• msilobmE yranomluP • sisorbiF yranomluP S dna noitatropsnarT ,noitaulavE dnoce L rediR gnigdo - • noitaulavE dnoceS - m ot roirp deniatbo eb tsus rehto naicisyhp a yb dna tnemtaert ro yregru t dnoces enO .naicisyhp tnerruc ruoy nah e tnemtaert ro yregrus rep noitaulav• noitatropsnarT lacoL-noN - t eviecer ot gnilevaro ssenlli lacitirc derevoc a rof tnemtaert tneitaptu m emoh morf selim 57 naht ero• gnigdoL tneitaptuO - w tneitaptuo gniviecer elih t naht erom ssenlli lacitirc derevoc a rof tnemtaer 7 emoh morf selim 5• noitatropsnarT dna gnigdoL rebmeM ylimaF - f erac dna ynapmocca ot rebmem ylimaf tluda eno ro f lacol-non gnirud nosrep derevoc detaticapacni na roh ylimaf morf selim 57 naht erom( syats latipso m .tnemtaert dezilaiceps rof )emoh s'rebme T lacoL-noN fi diap ton tifeneb noitatropsnar T diap tifeneb noitatropsnarS rediR ssenllI cinorhC deificep - m eb tsu c eht fo eno gnivah sa naicisyhp a yb deifitre f noitcnufopyH lanerdA :sessenlli cinorhc gniwollo ( ;)SLA( esaesiD s’girheG uoL ;)esaesiD s’nosiddA A ;sisorelcS elpitluM ;aerohC s’notgnitnuH ;sitirhtr M .sisoropoetsO ;sitileymoetsO ;yhportsyD ralucsu M yliad owt tsael ta mrofrep ot elbanu eb tsu a seitivitca yliaD .syad 09 tsael ta rof seitivitc i dna reddalb ,gniteliot ,gnisserd ,gnihtab :edulcn b stifeneB .gnitae dna gnirrefsnart ,ecnenitnoc lewo p stifeneb lla nehW .nosrep derevoc rep ecno dia h setanimret egarevoc eht ,desu neeb evaS rediR yrujnI ro ssenllI cinorhC deificep - m tsu b eno ro yrujni na gnivah sa naicisyhp a yb deifitrec e o noitcnufopyH lanerdA :detsil sessenlli cinorhc eht f ( ;)SLA( esaesiD s’girheG uoL ;)esaesiD s’nosiddA A ;sisorelcS elpitluM ;aerohC s’notgnitnuH ;sitirhtr M .sisoropoetsO ;sitileymoetsO ;yhportsyD ralucsu M yliad owt tsael ta mrofrep ot elbanu eb tsu a seitivitca yliaD .syad 563 tsael ta rof seitivitc i dna reddalb ,gniteliot ,gnisserd ,gnihtab :edulcn b stifeneB .gnitae dna gnirrefsnart ,ecnenitnoc lewo p stifeneb lla nehW .nosrep derevoc rep ecno dia h setanimret egarevoc eht ,desu neeb evaS rediR ssenllI lacitirC latnemelppu - • esaesiD s'remiehzlA decnavdA - m tibihxe tsui deifitrec eb dna tnemgduj dna yromem deriapm u seitivitca yliad owt tsael ta mrofrep ot elban w :edulcni seitivitca yliaD .ecnatsissa tluda tuohti b lewob dna reddalb ,gniteliot ,gnisserd ,gnihta c gnitae dna gnirrefsnart ,ecnenitno• esaesiD s'nosnikraP decnavdA - m tibihxe tsut ,ytidigir elcsum :gniwollof eht fo erom ro ow t dna lacisyhp ni ssenwols( sisenikydarb ro ,romer m ot elbanu deifitrec eb dna ;)sesnopser latne p tluda tuohtiw seitivitca yliad owt tsael ta mrofre a ,gnihtab :edulcni seitivitca yliaD .ecnatsiss d ,ecnenitnoc lewob dna reddalb ,gniteliot ,gnisser t gnitae dna gnirrefsnar• romuT niarB ngineB - a romut tnangilam-non l ro sevren lainarc ,segninem ,niarb ot detimi p yratiutip ,lluks eht fo sromuT .dnalg yratiuti a era samonimreg dna ,mm01 naht ssel samonedn derevoc to• amoC - u ot evisnopser ton dna suoicsnocne lanretni ot evisnopser ro noitalumits lanretx n gnitluser amoc ,amoc decudni-yllacideM .sdee f niarb fo sisongaid dna ,esu gurd ro lohocla mor d derevoc ton era htae• gniraeH fo ssoL etelpmoC - p fo ssol tnenamreh srae htob ni gnirae• thgiS fo ssoL etelpmoC - p fo ssol tnenamrev seye htob ni noisi• hceepS fo ssoL etelpmoC - p fo ssol tnenamres noitacinummoc labrev ro hceep• sisylaraP - p ni noitcnuf elcsum fo ssol tnenamre t seoD .yrujni ro esaesid ot eud ,sbmil erom ro ow n ot detimil noitcnuf elcsum fo ssol edulcni to f seot ro sregniF rediR ssenlleW dexi - 2 rep ecnO .smaxe 4 p dexiF ees ;raey radnelac hcae yrogetac rep ,nosre W derevoc rof tset dna secivreS fo tsiL rediR ssenlle w stset dna secivres ssenlleF STSET DNA SECIVRES FO TSIL REDIR SSENLLEW DEXIB ,sedirecylgirt rof stset doolB ;recnac niks rof yspoi C ,)recnac nairavo( 521AC ,)recnac tsaerb( 3-51A C enoB ;)recnac etatsorp( ASP ,)recnac noloc( AE M rof eussit ro doolb fo gnilpmaS ;gnitseT worra g ;yar-X tsehC ;ksir recnac rof gnitset citene C ro ditorac rof gnineercs relppoD ;ypocsonolo p ;GKE ;margoidracohcE ;esaesid ralucsav larehpire F ;sisylana loots tluccomeH ;ypocsodiomgis elbixel H dipiL ;noitaniccaV )surivamollipaP namuH( VP p ,yhpargommaM ;)tnuoc loretselohc latot( lena i gnidulcni ,raemS paP ;dnuosartlU tsaerB gnidulcn T siserohportcelE nietorP mureS ,tseT paP perPnih ( ;llimdaert ro ekib no tset ssertS ;)amoleym rof tset T rof gnineercs dnuosartlU ;yhpargomreh a smsyruena citroa lanimodbB snoitidnoc gniwollof eht fo eno fo sisongaid nopu diap stifene ( )4 dna 3 segap no detsil sa smumixam ot tcejbusPage 32

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G 4PICV BVA A 63831MJBA .noitaroproC etatsllA ehT fo yraidisbus a ,ynapmoC ecnarusnI efiL egatireH naciremA yb desu eman gnitekram eht si stifeneB etatsll© moc.stifenebetatslla ro moc.etatslla.www .ynapmoC ecnarusnI etatsllA 4202T .YCILOP EHT NI DEIFICEPS SECIVRES RO STIFENEB DETIMIL EHT ROF YLNO EGAREVOC SEDIVORP TI .YCILOP STIFENEB DETPECXE NA SI SIHT ni desutis stnemllorne ni esu rof si eruhcorb sih VA. T ,ycnegA ,tnegA stifeneB etatsllA na yb edam eb yam tcatnoc ;ecnarusni fo noitaticilos a si tnemesitrevda sih o .evitatneserpeR rT naht retal tneve on ni tub ,tnerruc sniamer noitamrofni sa gnol sa dilav si lairetam sih A .7202 ,90 tsuguG .foereht snoitairav etats ro ,4PICVG mrof ycilop rednu dedivorp era stifeneb ssenllI lacitirC puor C redir gniwollof eht rednu dedivorp era stifeneb rediR ssenllI lacitir f :foereht snoitairav etats ro ,smro C deificepS ;RES4PICG rediR gnigdoL dna noitatropsnarT ,noitaulavE dnoceS ;REC4PICG rediR tnemecnahnE yranomlupoidra C rediR ssenlleW dexiF ;2RS4PICG rediR ssenllI lacitirC latnemelppuS ;R2CS4PICG rediR yrujnI ro ssenllI cinorhC deificepS ;R1CS4PICG rediR ssenllI cinorh G .RWF4PICT .ecnarusnI ssenllI lacitirC latnemelppuS tifeneB detimiL si dedivorp egarevoc eh T weiver ,eracideM rof elbigile fI .yciloP tnemelppuS eracideM a ton si ycilop eh M .stifeneB etatsllA morf elbaliava ediuG s'reyuB tnemelppuS eracideT .)LF ,ellivnoskcaJ ,eciffO emoH( ynapmoC ecnarusnI efiL egatireH naciremA yb nettirwrednu ycilop puorg eht rednu elbaliava stifeneb eht fo weivrevo feirb a si sih D etatsllA ruoy tcatnoc yam uoy ,noitamrofni lanoitidda roF .deussi setacifitrec eht ni dedulcni era snoitatimil rehto dna snoisulcxe gnidulcni ,egarevoc eht fo sliate B .evitatneserpeR stifeneT tnemeriuqer eht yfsitas ton seod dna )”egarevoc lacidem rojam“ sa ot derrefer netfo( egarevoc ecnarusni htlaeh evisneherpmoc etutitsnoc ton seod egarevoc eh o .tcA eraC elbadroffA eht rednu egarevoc laitnesse muminim fC SNOITACIFICEPS ETACIFITRE E SNOITATIMIL DNA SNOISULCXE ytilibigil - Y rof elbigile si ohw sediced reyolpme ruo y sruoh dna ecivres fo htgnel sa hcus( puorg ruo w .revo dna 81 era sega eussI .)keew hcae dekroD noitanimreT/ytilibigilE tnednepe -F esuops ruoy era egarevoc rof elbigile srebmem ylima o rof egarevoC .nerdlihc dna rentrap citsemod r c sselnu ,62 ega sehcaer dlihc eht nehw sdne nerdlih h na fo stnemeriuqer eht teem ot seunitnoc ehs ro e e dilav nopu sdne egarevoc esuopS .tnedneped elbigil d rentrap citsemoD .htaed ruoy ro ecrovid fo eerce c sdne pihsrentrap citsemod eht nehw sdne egarevo o .htaed ruoy rW sdnE egarevoC neh - C ycilop eht rednu egarevo e si etacifitrec eht etad eht :fo tseilrae eht no sdn c pots uoy ;delecnac si ycilop eht etad eht ,delecna p evitca fo yad tsal eht ;muimerp ruoy gniya e ;elbigile regnol on era ssalc ruoy ro uoy ;tnemyolpm a neeb evah stifeneb lla nehw ro ;delif si mialc eslaf p .elbacilppa fi ,sredir dna ycilop eht rednu diaC egarevoC ruoY gniunitno - Y ot elbigile eb yam uo c ycilop eht rednu egarevoc nehw egarevoc eunitno e .sliated rof ecnarusnI fo etacifitreC ruoy ot refeR .sdnC stimiL dna snoitidno - A ton si snigeb egarevoc ruoy erofeb gnirrucco sisongaid p retfa esaesid deﬁiceps ro ssenlli lacitirc derevoc yna fo sisongaid a ,revewoh ;elbaya y .snoisulcxe dna snoitatimil lla ot tcejbus era stﬁeneB .elbayap eb lliw etad evitceffe ruo A eht ni detats sesongaid fo setad dna snoitinﬁed eht teem tsum sessenlli lacitirc ll p .tceffe ni si egarevoc elihw naicisyhp a yb desongaid eb dna yciloE snoitatimiL dna snoisulcx - B yrujni detciﬂni-fles yllanoitnetni :rof diap ton era stﬁene o elihw ,noitcurtsed-fles ro ,enas elihw edicius ;snoitapucco ro seitivitca lagelli ;noitca r i esuba ,msilohocla ,lohocla gnidulcni ,esuba ecnatsbus ;rehtie ta tpmetta yna ro ,enasn o ro ,sgurd debircserp-non fo esu lagelli ro ,noitacidem noitpircserp deniatbo yllagel f n sselnu ,scitocran ro sgurd ,lohocla fo ecneuﬂni eht rednu gnieb ro ;scitocra a .naicisyhp a yb debircserp sa nekat dna deretsinimdPage 33

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PLAN 1 PLAN 2$10,000 $20,000$10,000 $20,000$10,000 $20,000$10,000 $20,000$2,500 $5,000Yes YesPLAN 1 PLAN 2Yes YesPLAN 1 PLAN 2$2,500 $5,000Pulmonary Embolism (25%)$2,500 $5,000Pulmonary Fibrosis (25%)$2,500 $5,000$1,000 $1,000Non-Local Transportation1 Air Fare(per trip or mile ) Personal Vehicle$500$0.50/mi.$500$0.50/mi.Outpatient Lodging2 (daily)$100 $100Family Member Lodging2 (daily) Transportation1 (per trip) Air Fare Personal Vehicle (per trip or mile)$100$500$0.50/mi.$100$500$0.50/mi.5,000$ 10,000$ $5,000$10,000 $10,000$20,000 10,000$ 20,000$ Advanced Parkinson's Disease (100%) 10,000$ 20,000$ Benign Brain Tumor (100%) 10,000$ 20,000$ Coma (100%) 10,000$ 20,000$ Complete Loss of Hearing (100%) 10,000$ 20,000$ Complete Loss of Sight (100%) 10,000$ 20,000$ Complete Loss of Speech (100%) 10,000$ 20,000$ Paralysis (100%) 10,000$ 20,000$ 50$ 50$ Cardiopulmonary Enhancement Ridert Sudden Cardiac Arrest (25%)Group Critical Illness (GVCIP4)Critical Illness Insurance from Allstate BenefitsBENEFIT AMOUNTSPercentages below are based on the Basic Benefit Amount of$10,000 (Plan 1) or $20,000 (Plan 2)tCovered dependents receive 50% of your benefit amount.INITIAL CRITICAL ILLNESS BENEFITStHeart Attack (100%)Stroke (100%)End Stage Renal Failure (100%)Major Organ Transplant (100%)Coronary Artery Bypass Surgery (25%)Waiver of Premium (employee only)REOCCURRENCE OF CRITICAL ILLNESS BENEFITStInitial Critical Illness (same amount as Initial Critical Illness Benefit)RIDER BENEFITSFixed Wellness Rider (per year)1Limit of $5,000 in a calendar year. 2Limit of $1,000 in a calendar year. Maximum of 1,000 miles.Second Evaluation, Transportation and Lodging Rider Second EvaluationSpecified Chronic Illness Ridert (50%)Specified Chronic Illness or Injury Ridert Illness (50%)Injury (100%)Supplemental Critical Illness Ridert Advanced Alzheimer's Disease (100%)Page 34

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PLAN 3 PLAN 4$30,000 $40,000$30,000 $40,000$30,000 $40,000$30,000 $40,000$7,500 $10,000Yes YesPLAN 3 PLAN 4Yes YesPLAN 3 PLAN 4$7,500 $10,000Pulmonary Embolism (25%) $7,500 $10,000Pulmonary Fibrosis (25%) $7,500 $10,000$1,000 $1,000Non-Local Transportation1 Air Fare(per trip or mile ) Personal Vehicle$500$0.50/mi.$500$0.50/mi.Outpatient Lodging2 (daily)$100 $100Family Member Lodging2 (daily) Transportation1 (per trip) Air Fare Personal Vehicle (per trip or mile)$100$500$0.50/mi.$100$500$0.50/mi.15,000$ 20,000$ $15,000$30,000 $20,000$40,000 30,000$ 40,000$ Advanced Parkinson's Disease (100%)30,000$ 40,000$ Benign Brain Tumor (100%)30,000$ 40,000$ Coma (100%)30,000$ 40,000$ Complete Loss of Hearing (100%)30,000$ 40,000$ Complete Loss of Sight (100%)30,000$ 40,000$ Complete Loss of Speech (100%)30,000$ 40,000$ Paralysis (100%)30,000$ 40,000$ 50$ 50$ Initial Critical Illness (same amount as Initial Critical Illness Benefit)INITIAL CRITICAL ILLNESS BENEFITStHeart Attack (100%)Stroke (100%)End Stage Renal Failure (100%)1Limit of $5,000 in a calendar year. 2Limit of $1,000 in a calendar year. Maximum of 1,000 miles.Group Critical Illness (GVCIP4)Critical Illness Insurance from Allstate BenefitsBENEFIT AMOUNTSPercentages below are based on the Basic Benefit Amount of$30,000 (Plan 3) or $40,000 (Plan 4)tCovered dependents receive 50% of your benefit amount.Specified Chronic Illness Ridert (50%)Specified Chronic Illness or Injury Ridert Illness (50%)Injury (100%)Supplemental Critical Illness Ridert Advanced Alzheimer's Disease (100%)Fixed Wellness Rider (per year)RIDER BENEFITSCardiopulmonary Enhancement Ridert Sudden Cardiac Arrest (25%)Second Evaluation, Transportation and Lodging Rider Second EvaluationMajor Organ Transplant (100%)Coronary Artery Bypass Surgery (25%)Waiver of Premium (employee only)REOCCURRENCE OF CRITICAL ILLNESS BENEFITStPage 35

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]DentalMetropolitan Life Insurance CompanyPlan Design for: Richmond Community CollegeOriginal Plan Effective Date: July 1, 2023Network: PDP PlusThe 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 cost-effective protection for a healthier smile and a healthier you. Coverage Type: In-Network1% of Negotiated Fee2Out-of-Network1% of R&C Fee4Type A - Preventive 100% 100%Type B - Basic Restorative 80% 80%Type C - Major Restorative 50% 50%Type D - Orthodontia 50% 50%Deductible3Individual $0 $0Family $0 $0Annual Maximum Benefit:Per Individual $2000 $2000Orthodontia Lifetime Maximum -Ortho applies to Adult and ChildUp to dependent age limit$2000 per Person $2000 per PersonDependent Age: Eligible for benefits until the day that he or she turns 26.1."In-Network Benefits" refers to benefits provided under this plan for covered dental services that are provided by aparticipating dentist. "Out-of-Network Benefits" refers to benefits provided under this plan for covered dental services thatare not provided by a participating dentist. Utilizing an out-of-network dentist for care may cost you more than using an in-network dentist.2.Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services,subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.3.Applies to Type B and C services only.4.Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonableand Customary Charge is based on the lesser of:the dentist's actual charge (the 'Actual Charge') or the 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 99th percentile.Page 37

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]Understanding Your Dental Benefits PlanThe Preferred Dentist Program is designed to provide the dental coverage you need with the features you want. Like the freedom to visit the dentist of your choice – in or out of the network. . If you receive in-network services, you will be responsible for any applicable deductibles, cost sharing, negotiated charges after benefit maximums are met, and costs for non-covered services. If you receive out-of-network services, you will be responsible for any applicable deductibles, cost sharing, charges in excess of the benefit maximum, charges in excess of the negotiated fee schedule amount or R&C Fee, and charges for non-covered services. Plan benefits for in-network covered services are based on a percentage of the Negotiated fee – the Fee that participating dentists have agreed to accept as payment in full for covered services, subject to any deductibles, copayments, cost sharing and benefit maximums. Negotiated fees are subject to change. Plan benefits for out-of-network services are based on a percentage of the Reasonable and Customary (R&C) charge. If you choose a dentist who does not participate in the network, your out-of-pocket expenses may be greater. Once you’re enrolled you may take advantage of online self-service capabilities with MyBenefits. Check the status of your claims Locate a participating dentist Access MetLife’s Oral Health Library Elect to view your Explanation of Benefits online To register, just go to www.metlife.com/mybenefits and follow the easy registration instructions. Page 38

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]IMPORTANT RATE INFORMATIONMonthly Premium Payment Employee $44.32 Employee + Spouse $84.80 Employee + Child(ren) $100.52 Employee + Family $140.96 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. Page 39

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]Selected Covered Services and Frequency Limitations* Type A - Preventive How Many/How Often:Oral Examinations 2 in a year Full Mouth X-rays 1 in 3 years Bitewing X-rays (Adult/Child) 1 in a year Prophylaxis - Cleanings 2 in a year Topical Fluoride Applications 1 in a year - Children to age 19 Space Maintainers No limit - Children up to age 14Harmful Habits Appliances Type B - Basic Restorative How Many/How Often:Sealants 1 in 3 years - Children to age 17Amalgam and Composite Fillings 1 in 24 months.Prefabricated Crowns 1 per tooth in 24 monthsRepairs 1 in 12 months Periodontal Maintenance 2 in 1 year, includes 2 cleaningsOral Surgery (Simple Extractions)Oral Surgery (Surgical Extractions) Other Oral SurgeryEmergency Palliative TreatmentGeneral Anesthesia Consultations 1 in 12 months Type C - Major Restorative How Many/How Often: Crowns/Inlays/Onlays 1 per tooth in 5 yearsEndodontics Root Canal 1 per tooth in 12 monthsPeriodontal Surgery 1 in 36 months per quadrant Periodontal Scaling & Root Planing 1 in 24 months per quadrant Bridges 1 in 5 years Dentures 1 in 5 years Implant Services 1 service per tooth in 5 years - 1 repair per 5 yearsType D – Orthodontia Adult and Child Coverage. Dependent children up to age 26. 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 theleast costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the planbenefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discusstreatment options with your dentist before services are rendered, and obtain a pretreatment estimate of benefits prior to receiving certain highcost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the servicesprovided, your plan’s reimbursement for those services, and your out-of-pocket expense. Actual payments may vary from the pretreatmentestimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment.The service categories and plan limitations shown above represent an overview of your Plan of Benefits. This document presents many 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. Page 40

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]We will not pay Dental Insurance benefits for charges incurred for: 1. Services which are not Dentally Necessary, those which do not meet generally accepted standards of care for treating theparticular dental condition, or which We deem experimental in nature;2. Services for which You would not be required to pay in the absence of Dental Insurance;3. Services or supplies received by You or Your Dependent before the Dental Insurance starts for that person;4. Services which are primarily cosmetic (For residents of Texas, see notice page section in your certificate).5. Services which are neither performed nor prescribed by a Dentist except for those services of a licensed dental hygienist which aresupervised and billed by a Dentist and which are for:scaling and polishing of teeth; or fluoride treatments. For NY Sitused Groups, this exclusion does not apply. 6. Services or appliances which restore or alter occlusion or vertical dimension.7.Restoration of tooth structure damaged by attrition, abrasion or erosion.8. Restorations or appliances used for the purpose of periodontal splinting.9. Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco.10.Personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss.11. Decoration, personalization or inscription of any tooth, device, appliance, crown or other dental work.12. Missed appointments.13. Servicescovered under any workers’ compensation or occupational disease law;covered under any employer liability law; for which the employer of the person receiving such services is not required to pay; or received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital. For North Carolina and Virginia Sitused Groups, this exclusion does not apply.14. Services paid under any worker’s compensation, occupational disease or employer liability law as follows:for persons who are covered in North Carolina for the treatment of an Occupational Injury or Sickness which are 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. 15. Services:for which the employer of the person receiving such services is required to pay; or received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital. This exclusion only applies for North Carolina Sitused Groups. 16. Services covered under any workers' compensation, occupational disease or employer liability law for which the employee/orDependent received benefits under that law.This exclusion only applies for Virginia Sitused Groups.17. Services:for which the employer of the person receiving such services is not required to pay; or received at a facility maintained by the policyholder, labor union, mutual benefit association, or VA hospital. This exclusion only applies for Virginia Sitused Groups.18. Services covered under other coverage provided by the Employer.19. Temporary or provisional restorations.20. Temporary or provisional appliances.21.Prescription drugs.22. Services for which the submitted documentation indicates a poor prognosis.23. The following when charged by the Dentist on a separate basis:claim form completion; infection control such as gloves, masks, and sterilization of supplies; or local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide. 24. Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due tochewing or biting of food.For NY Sitused Groups, this exclusion does not apply.25. Caries susceptibility tests.26. Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before suchperson was insured for Dental Insurance, except for congenitally missing natural teeth.27. Other fixed Denture prosthetic services not described elsewhere in this certificate.28.Precision attachments, except when the precision attachment is related to implant prosthetics.29. Initial installation or replacement of a full or removable Denture to replace one or more natural teeth which were missingbefore such person was insured for Dental Insurance, except for congenitally missing natural teeth.30. Addition of teeth to a partial removable Denture to replace one or more natural teeth which were missing before such personwas insured for Dental Insurance, except for congenitally missing natural teeth.31. Adjustment of a Denture made within 6 months after installation by the same Dentist who installed it.Page 41

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]32. Implants to replace one or more natural teeth which were missing before such person was insured for Dental Insurance,except for congenitally missing natural teeth.33. Implants supported prosthetics to replace one or more natural teeth which were missing before such person was insured forDental Insurance, except for congenitally missing natural teeth.34. Appliances or treatment for bruxism (grinding teeth), including but not limited to occlusal guards and night guards.135. Diagnosis and treatment of temporomandibular joint (TMJ) disorders. This exclusion does not apply to residents of Minnesota.136.Repair or replacement of an orthodontic device.137. Duplicate prosthetic devices or appliances.38. Replacement of a lost or stolen appliance, Cast Restoration, or Denture.39. Intra and extraoral photographic images.40. Services or supplies furnished as a result of a referral prohibited by Section 1-302 of the Maryland Health Occupations Article.A prohibited referral is one in which a Health Care Practitioner refers You to a Health Care Entity in which the Health CarePractitioner or Health Care Practitioner’s immediate family or both own a Beneficial Interest or have a CompensationAgreement. For the purposes of this exclusion, the terms “Referral”, “Health Care Practitioner” , “Health Care Entity”,“Beneficial Interest” and Compensation Agreement have the same meaning as provided in Section 1-301 of the MarylandHealth Occupations Article.This exclusion only applies for Maryland Sitused Groups1Some of these exclusions may not apply. Please see your Certificate of Insurance. Page 42

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]Common Questions … Important AnswersWho is a participating dentist? A participating, or network, dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment 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 nationwide --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 notaffiliated with MetLife and any of its affiliates, and the services they provide are separate and apart from the benefits provided by MetLife. Referral services are not available in all locations. ** Refer to your Certificate of Insurance for your out-of-network dental coverage. Page 43

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DN-GCERT-GOLD GCERT Voluntary Dental Benefit Summary 200 Park Ave., New York, NY 10166© 2022 MetLife Services and Solutions, LLCL0122019082[exp0323][xNM]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? 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. Page 44

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Hospital Indemnity Insurance Hospital Indemnity (HI) Insurance Hospital Indemnity Benefits – The Hartford’s Hospital Indemnity plan(s) will pay a scheduled benefit for hospital1 confinement that occurs for a covered person while insurance is in effect. Additional benefits for certain services or treatments may also be available, if described below. All benefits are subject to applicable policy limitations and exclusions. State specific variations may apply to the benefits shown below. Policy Information Detail Class Description(s) All Active Full-time Employees Min. Hours for Active Work 30 hours per week Plan Options Custom Plan 1 or Custom Plan 2 Underwriting Type Guaranteed issue for all covered persons Dependent Coverage Available with Dependent benefits the same as the employee benefits Plan Information Custom Plan 1 Custom Plan 2 Coverage Type 24 Hour 24 Hour Covered Events Illness and Injury Illness and Injury Pregnancy Covered5 (SAAOI) Same as any other illness Same as any other illness Pre-Existing Condition Limits None - Day 1 Coverage None - Day 1 Coverage HSA Compatible Yes No Benefit(s) Custom Plan 1 Custom Plan 2 First Day Hospital Confined $1,000; Once/year $1,000; Once/year Daily Hospital Confinement $150; Up to 30 days/year $150; Up to 30 days/year Daily ICU Confinement $200; Up to 10 days/year $200; Up to 10 days/year Medical Travel $100; Up to 2 days/year $100; Up to 2 days/year Companion Lodging $100; Up to 10 days/year $100; Up to 10 days/year Health Screening $50; Once/year $50; Once/year Continuous Care Confined (Rehab, Skilled Nursing & Hospice) $150; Up to 10 days/year $150; Up to 10 days/year Inpatient Surgery Not Included $500; Once/year Outpatient Surgery–Physician Office/ER Not Included $150; Once/year Outpatient Surgery–Hospital/ASC Not Included $150; Once/year Newborn Routine Hospital Care $150; Once/Live Birth $150; Once/Live Birth Page 45

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Additional Features & Services Continuity of Coverage from a Prior Plan Included Continuation of Coverage Included Portability Included Ability Assist® 2 Included Health ChampionSM 2 Included The Hartford’s Claims Connections Concierge-Guided Experience⁶ – Employees receive text or email notification of potential claims opportunities based on core claim events with option for telephonic claims intake Monthly Premium Rates4 Custom Plan 1 Custom Plan 2 Employee $20.62 $25.20 Employee & Spouse/Partner $39.96 $48.44 Employee & Child(ren) $32.07 $38.02 Family $52.09 $62.97 1. Hospital does not include: convalescent homes, or convalescent, rest or nursing facilities; facilities affordingprimarily custodial, educational or rehabilitory care; or facilities primarily for care of the aged/elderly, persons withsubstance abuse issues/disorders or mental/nervous disorders. Confined means the assignment to a bed in amedical facility for a period of at least 20 hours. State variations may apply.2. HealthChampion℠ and Ability Assist® are offered through The Hartford by ComPsych®. ComPsych is not affiliatedwith The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes noliability for the goods and services provided by ComPsych.3. Assumes all eligible employees can enroll in the plan and/or increase existing benefits without providing evidenceof insurability during the scheduled initial enrollment period and subsequent scheduled enrollment periodsoccurring annually thereafter. Pre-existing condition limitations may apply.4. Rates/benefits may change on a class or plan basis. Actual per pay period premium deductions may differ slightlyfrom monthly billed amounts due to rounding. The Hartford offers a billing tolerance to help account for thisdifference.5. Complications of pregnancy (as defined in the policy) are always covered under the policy withoutlimitation.Qualifications and Assumptions 1. Assumes employees must be actively-at-work on the effective date and the deferred effective date provisionapplies.2. Coverage for Retirees is not included unless ported at retirement.3. We assume all eligible employees are U.S. citizens or U.S. residents, working in U.S. locations who have metthe full time eligibility requirements.4. This proposal is only a summary of the benefits.Page 46

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Hospital Indemnity (HI) Insurance – Limitations & Exclusions Exclusions A benefit is not payable for any illness or injury that results from or is caused by a covered person’s:  suicide or attempted suicide, whether sane or insane, or intentional self-infliction voluntary intoxication (as defined by the law of the jurisdiction in which the illness or injury occurred) or whileunder the influence of any narcotic, drug or controlled substance, unless administered by or taken accordingto the instruction of a physician or medical professional voluntary intoxication through use of poison, gas or fumes, whether by ingestion, injection, inhalation orabsorption voluntary commission of or attempt to commit a felony, voluntary participation in illegal activities (except formisdemeanor violations), voluntary participation in a riot, or voluntary engagement in an illegal occupation incarceration or imprisonment following conviction for a crime travel in or descent from any vehicle or device for aviation or aerial navigation, except as a fare-payingpassenger in a commercial aircraft (other than a charter airline) on a regularly scheduled passenger flight orwhile traveling on business of the policyholder ride in or on any motor vehicle or aircraft engaged in acrobatic tricks/stunts (for motor vehicles),acrobatic/stunt flying (for aircraft), endurance tests, off-road activities (for motor vehicles), or racing participation in any organized sport in a professional or semi-professional capacity participation in abseiling, base jumping, Bossaball, bouldering, bungee jumping, cave diving, cliff jumping,free climbing, freediving, freerunning, hang gliding, ice climbing, Jai Alai, jet powered flight, kite surfing,kiteboarding, luging, mountain biking, mountain boarding, mountain climbing, mountaineering, parachuting,paragliding, parakiting, paramotoring, parasailing, Parkour, proximity flying, rock climbing, sail gliding,sandboarding, scuba diving, sepak takraw, slacklining, ski jumping, skydiving, sky surfing, speed flying, speedriding, train surfing, tricking, wingsuit flying, or other similar extreme sports or high risk activities travel or activity outside the United States or Canada active duty service or training in the military (naval force, air force or National Guard/Reserves or equivalent)for service/training extending beyond 31 days of any state, country or international organization, unlessspecifically allowed by a provision of the policy involvement in any declared or undeclared war or act of war (not including acts of terrorism), while serving inthe military or an auxiliary unit attached to the military, or working in an area of war whether voluntarily or asrequired by an employerIn addition, benefits are not payable unless required by law for:  elective abortion or complications thereof artificial insemination, in vitro fertilization, test tube fertilization sterilization, tubal ligation or vasectomy, and reversal thereof aroma therapeutic, herbal therapeutic, or homeopathic services any mental and nervous disorder, unless specifically allowed by a provision of the policy substance abuse, unless specifically allowed by a provision of the policy medical mishap or negligence on the part of any physician, medical professional, or therapist, includingmalpractice treatment, supplies or services provided by, through or, behalf of any government agency or program; unlesspayment is required by a covered person custodial care, unless specifically allowed by a benefit provision in the policy or any rider attached to thepolicy (if applicable); elective or cosmetic surgery or procedures, except for reconstructive surgery:- incidental to or following surgery for disease, infection or trauma of the involved body part- due to congenital anomaly or disease of a dependent child which has resulted in a functional defect dental care or treatment, except for:- treatment due to an injury to sound natural teeth within 12 months of the accident- treatment necessary due to congenital disease or anomalyPage 47

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Hospital Indemnity Insurance Benefit and Feature InformationThe added financial stress of being in the hospital can make recovery from an accident or serious illness more challenging. Even with the best primary health insurance plan, out-of-pocket costs from a hospital stay can add up. This insurance pays a fixed indemnity benefit for each day a covered person is confined in a hospital for a covered event, with optional additional daily benefits for related services. These benefits can help offset expenses that primary health insurance doesn’t cover (like deductibles, co-insurance amounts or co-pays), or benefits can be used for any non-medical expenses (like housing costs, groceries, car expenses, etc.). Lump sum benefits are paid to the employee (or designated beneficiary) based on the amount stated in the schedule of benefits and subject to any plan limitations or exclusions. As medical costs continue to rise and employers continue to increase employees’ share of these costs, HI provides an additional level of financial protection. Employers can make this insurance available without affecting the company’s bottom line (voluntary/100% employee-paid), or they can fund all or some of the cost of this insurance to help minimize the impact of more significant health insurance plan changes (noncontributory/100% employer-paid or contributory/cost-sharing). Both HSA compatible and non-HSA compatible expanded plan designs are available. Voluntary Enrollment Services We are committed to making it as easy as possible to communicate information on your plan and the associated cost to your employees. Our goals are to engage employees so they fully understand the benefits offering, and make it easy for them to enroll. Enrollment Annual Open Enrollment: This standard enrollment type has scheduled enrollment periods for initial enrollment and for subsequent enrollments occurring annually thereafter. Annual Open Enrollment requires that certain employer characteristics are met and defined enrollment experience practices are agreed upon and implemented by the employer. These practices include: • Personalized enrollment experience.• Mandatory employee group meetings or, Benefit Fairs.• Employer support of enrollment events to help ensure the attendance of at least 75% of eligible employees.• On-site benefit counselors at each employer location for group meetings, Benefit Fairs and on-site enrolling.Coverage is guaranteed issue and does not require evidence of insurability, including when: • Enrolling or changing coverage during any scheduled annual enrollment period.• Enrolling new hires within 31 days of eligibility.• Enrolling or changing coverage within 31 days of Change in Family Status.Electing or changing coverage outside of scheduled annual enrollment periods (or additional enrollment events, if available) or qualified Family Status Change periods is not permitted. Enrollment or coverage changes will be deferred until the next scheduled annual enrollment period. For certain coverages, pre-existing condition limitations apply. See the policy for details. Page 48

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Ability Assist® Employee Assistance Program2 Employees receive professional counseling for financial, legal and emotional issues, 24/7/365. Includes unlimited phone access and three face-to-face sessions per year. Services are also available to spouses and dependent children. HealthChampionSM Health Care Support Service2 This service offers unlimited access to benefit specialists and nurses for administrative and clinical support to address medical care and claims concerns. Available services include: claim and billing support, explanation of benefits, cost estimates/fee negotiation, information related to conditions and available treatments and support to help prepare for medical visits. Specialists are only available during business hours. Inquiries outside of this timeframe can either request a call-back the next day or schedule an appointment. Portability The Hartford’s hospital indemnity policies allow insureds to port their coverage due to a qualifying event. With this valuable feature, participants can port their coverage with a choice of three different plan designs. All an employee has to do is enroll for portability at termination. The choice in plan design allows the employee to select the coverage that best meets their financial protection needs at the time of port. Since the coverage is offered at a group rate, this can be an affordable way for many insureds to help stay protected even when they leave their employer, subject to a pre-existing condition limitation. Portability is not available if an employee or covered dependent is entering active military service. An employee cannot port coverage if termination of coverage is due to non-payment of premium, termination of the group policy or termination of the employer as a participating employer under a group policy. Continuation of Coverage The Hartford’s policies allow insurance to continue under the group plan in certain circumstances when an employee is unable to satisfy the active work and/or minimum work hours requirements of a plan, such as when an employee is on family or medical leave. Flexible options are available to meet employee needs. Continuity from a Prior Policy The Hartford's policies allows any employee who was previously eligible for and insured under a hospital indemnity (or similar) policy sponsored by the policyholder and offered by another insurance carrier immediately prior to the effective date of The Hartford's policy, but is not actively working on the effective date of The Hartford's policy, to be eligible for coverage. If coverage is continued for an employee under this provision, coverage may also be continued for any eligible dependents who were also insured under the prior policy. Insurance under the continuity provision is subject to uninterrupted payment of premium when due.Page 49

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• Shop Online Browse and buy online at eyeconic.com. It's in the VSP network, and your vision benefits will be applied directly to your online order. Create an account there to connect your vision benefits, and get the newest deals on eyewear. LASIK or PRK Have you always dreamed of better vision without glasses or contacts? Make your dream a reality by using your VSP laser vision correction discount. To get started, visit your VSP provider for a screening to see if you are a candidate for the procedure. Using Your Vision Benefit Is Easy Once You Enroll *For out-of-network eye care providers, you'll need to pay the provider,get an itemized receipt, and submit it along with a VSP Vision Out-of- Network Claim Form. This form is located at ameritas.com/vision, Forms,Claim Forms. Send a copy of the itemized bill and completed claim formto: VSP, P.O. Box 385018, Birmingham, AL 35238-5018.• vsp. VSP 800-877- 7195www.vsp.comMon-Fri 5am-8pmSat 7am-8pmSun 7am-7pm (PST) Ameritas fulfilling life. Ameritas 800-659-2223 www.ameritas.com/vision Mon-Thu 7am-7pm Fri 7am-5:30pm (CST) That's it. Your VSP provider will handle the rest, and even submit your claim for you. Find a VSP network provider who's right for you at vsp.com, or call 800-877-7195Schedule an appointment with the vision care provider of your choice. Be sure to confirm they accept VSP. If you are visiting a VSP network provider*, simply tell them you have VSP through Ameritas. No ID card is necessary. Page 51

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RICHMOND COMMUNITY COLLEGEEye Care Highlight SheetVSP Choice Network + Affiliates Out of NetworkDeductibles$10 Exam $10 Exam$10 Eye Glass Lenses or Frames* $10 Eye Glass Lenses or FramesAnnual Eye ExamCovered in full Up to $45Lenses (per pair)Single Vision Covered in full Up to $30Bifocal Covered in full Up to $50Trifocal Covered in full Up to $65Lenticular Covered in full Up to $100Progressive See lens options NAContactsFit & Follow Up Exams Member cost up to $60 No benefitElective Up to $180 Up to $145Medically Necessary Covered in full Up to $210Frame Allowance$180** Up to $70Frequencies (months)Exam/Lens/Frame 12/12/24 12/12/24Based on date of service Based on date of service*Deductible applies to a complete pair of glasses or to frames, whichever is selected.**The Costco and Walmart allowance will be the wholesale equivalent.Lens Options (member cost)*VSP Choice Network + Affiliates Out of Network(Other than Costco)Progressive LensesLenses. The patient is responsible for the difference between the base lens and the Progressive Lens charge.Up to Lined Bifocal allowance.Std. PolycarbonateCovered in full for dependent children$33 adultsNo benefitSolid Plastic Dye$15(except Pink I & II)No benefitPlastic Gradient Dye$17 No benefitPhotochromatic Lenses(Glass & Plastic)$31-$82 No benefitScratch Resistant Coating$17-$33 No benefitAnti-Reflective Coating$43-$85 No benefitUltraviolet Coating$16 No benefit*Lens Option member costs vary by prescription, option chosen and retail locations.Eye Care Plan Member ServiceFocus eye care from Ameritas Group features the money-saving eye care network of VSP. Customer service is available to plan members through VSP's well-trained and helpful service representatives. Call or go online to locate the nearest VSP network provider, view plan benefit information and more.VSP Call Center: 1-800-877-7195Service representative hours: 5 a.m. to 7 p.m. PST Monday through Friday, 6 a.m. to 2:30 p.m. PST SaturdayInteractive Voice Response available 24/7Locate a VSP provider at: ameritas.comView plan benefit information at: vsp.comPage 52

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G PLTP BVA A 83831MJBT ecnarusnI efiL 001 egA ot mre F tsom evol uoy esoht rof noitcetorp laicnaniH skroW tI woH s’ere• si tifeneb htaed muminim deetnarauGl sraey 5 rof leve1 • niamer dna elbadroffa era smuimerPl ekam uoy sselnu 001 ega ot levec egarevoc ruoy ot segnah• derevoc eb yam nerdlihC2 • rof thgir s’taht egarevoc eht tceleSy ylimaf ruoy dna uo• ruoy ,yawa ssap uoy fi nehTb mialc a selif yraicifene• tcerid si tifeneb hsac mus-pmul Ad dna deliam si kcehc a ro detisopec hsiw yeht revewoh desu eb naW nac tifeneb htaed eht ,gninnalp hti p morf eerf seiraicifeneb ruoy ot ssa s tlusnoC .sexat etatse laredef ro etat w .scificeps rof rosivda xat ruoy htiP secnaniF ruoY gnitcetorM sdeeN ruoY gniteeT SIHT TUOBA KNIH†2 .ARMIL ,ydutS retemoraB ecnarusnI 020 ††U ,scitsitatS robaL fo uaeruB .S. C .dibi ,yevruS erutidnepxE remusno 1C ot detcejorp si tifeneb htaed deetnaraug-non tnerru r .001 ega ot level niame 2C .setats emos ni tnuoma ecaf s’eeyolpme eht fo egatnecrep a ot detimil eb yam nerdlihc rof egarevo * dna snoisulcxE eht ot refer esaelP L .eruhcorb siht fo noitces noitatimiO no yler sdlohesuoh .S.U fo flah rev d ,ynam rof ,dna ,)%45( semocni lau l eb dluoc emocni eno gniso d secnanif dlohesuoh ot gnitatsave††4 tcapmi laicnanif a leef dluow elpoep fo %4 w s’dlohesuoh rieht gnisol fo shtnom xis nihti p dluow yeht dias %82 .renrae egaw yramir b htnom eno tsuj nihtiw detceffa e† M snaciremA fo %04 naht ero w egarevoc ecnarusni efil hti w rieht desahcrup dah yeht hsi p ega regnuoy a ta seicilo† D .llew sa snoitagilbo laicnanif gnimlehwrevo dniheb evael ot tnaw t’nod uoy – hguone tluciffid si htaed detcepxenu na htiw gnilae W .rehtegot derahs uoy smaerd dna slaog eht lla ezilaer llits nac ylimaf ruoy ,stifeneB etatsllA morf ycilop ecnarusnI efiL mreT a htiPage 59

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G PLTP BVA A 83831MJBG PLTP BVA A MJB A 83831MJBH emoC ,egagtrom eht yap pleh na c ro ,stnemyap latner eunitno p sriaper emoh dedeen mrofreE sesnepx s’ylimaf ruoy yap pleh naC l ,sllib sa hcus sesnepxe gnivi e sag dna ,yticirtcelF secnaniC deen eht etanimile pleh na t ro sgnivas etelped o r snalp tnemeriteC ESOOHU EST .tnemllornE nepO s’reyolpme reh gnirud ecnarusnI efiL 001 egA ot mreT puorG stﬁeneB etatsllA rof pu sngis ynaffiT .yrav yam egarevoc rof snosaer dna sdeen laudividni ruoy ;sdeen dna sessecorp thguoht lanoitcif liated evoba selpmaxe ehT ,latrop bew tneinevnoc eht hguorht egarevoc ecnarusnI efiL 001 egA ot mreT stifeneB puorG etatsllA no mialc a selif dnabsuh s’ynaffi M .*stifeneByH :rof stifeneb hsac seviecer eC MIALN noitacﬁitoA ecnalubmC despalloT gnilevar D srotcoA saw ecnalubma n t eht ot reh gnika n nehw latipsoh tserae h deppots traeh reD sesrun dna srotco w ot ylsselerit dekro r yeht tub ,reh evive c reh evas ton dluoH dnabsuh re w fo deifiton sa h gnissap reS ,gniteem a ni saw eh e prahs a decneirepx p fo ssentrohs ,nia b despalloc dna ,htaerdelevart ynaffiT o a no nwot fo tu b ot pirt ssenisu m tneilc a htiw teeM ynaffiT teeO timbus ,ngiSe .stifeneb ruoy tuoba noitamrofni tnatropmi ot ssecca 7/42 sreff a tcerid eb ot stifeneb hsac tseuqer ,)yrotsih mialc gnidulcni( smialc ruoy kcehc dn d .erom dna ,noitamrofni lanosrep ot segnahc ekam ,detisope* latroP gniliF mialC stifeneByMA stifenebym/moc.stifenebetatslla :sseccS :yrots reh s’ereH .detatsaved era nerdlihc dna dnabsuh reH .yawa sessap dna kcatta traeh a sreffus ynaffiT ,retal shtnom lareveH desu eb nac tifeneb hsac eht syaw eht fo emos era ere• :tifeneB htaeD ecnarusnI efiL mreTA tifeneb hsac mus-pmul Page 60

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Issue Age25,000 50,000 75,000 100,000Issue Age25,000 50,000 75,000 100,00010.8321.6732.5043.3350 29.40 58.79 88.19 117.587.50 15.00 22.50 30.0051 32.44 64.88 97.31 129.7520 7.50 15.00 22.50 30.00 52 35.50 71.00 106.50 142.0021 7.50 15.00 22.50 30.00 53 38.54 77.08 115.63 154.1722 7.50 15.00 22.50 30.00 54 41.58 83.17 124.75 166.3323 7.50 15.00 22.50 30.00 55 46.88 93.75 140.63 187.5024 7.50 15.00 22.50 30.00 56 51.10 102.21 153.31 204.4225 7.50 15.00 22.50 30.00 57 55.33 110.67 166.00 221.3326 7.63 15.25 22.88 30.50 58 59.56 119.13 178.69 238.2527 7.75 15.50 23.25 31.00 59 63.79 127.58 191.38 255.1728 7.88 15.75 23.63 31.50 60 67.98 135.96 203.94 271.9229 8.00 16.00 24.00 32.00 61 74.52 149.04 223.56 298.0830 8.13 16.25 24.38 32.50 62 81.06 162.13 243.19 324.2531 8.54 17.08 25.63 34.17 63 87.63 175.25 262.88 350.5032 8.96 17.92 26.88 35.83 64 94.17 188.33 282.50 376.6733 9.38 18.75 28.13 37.50 65 100.71 201.42 302.13 402.8334 9.79 19.58 29.38 39.17 66 110.79 221.58 332.38 443.1735 10.21 20.42 30.63 40.83 67 120.85 241.71 362.56 483.4236 10.65 21.29 31.94 42.58 68 130.94 261.88 392.81 523.7537 11.56 23.13 34.69 46.25 69 141.00 282.00 423.00 564.0038 12.44 24.88 37.31 49.75 70 151.06 302.13 453.19 604.2539 13.31 26.63 39.94 53.25 71 ^ 177.79 355.58 533.38 711.1740 14.19 28.38 42.56 56.75 72 ^ 184.52 369.04 553.56 738.0841 15.56 31.13 46.69 62.25 73 ^ 191.79 383.58 575.38 767.1742 16.92 33.83 50.75 67.67 74 ^ 202.27 404.54 606.81 809.0843 18.27 36.54 54.81 73.08 75 ^ 214.79 429.58 644.38 859.1744 19.65 39.29 58.94 78.58 76 ^ 264.88 529.75 794.63 1,059.5045 21.00 42.00 63.00 84.00 77 ^ 280.85 561.71 842.56 1,123.4246 22.71 45.42 68.13 90.83 78 ^ 293.77 587.54 881.31 1,175.0847 24.40 48.79 73.19 97.58 79 ^ 305.29 610.58 915.88 1,221.1748 26.06 52.13 78.19 104.25 80 ^ 317.50 635.00 952.50 1,270.0049 27.73 55.46 83.19 110.92Monthly Premiums² Monthly Premiums²Group Term to 100 Initial Death Benefit¹° Guarantee Issue underwriting limits are subject to account specific offer. Quotes denoted † or ³ require EOI.¹ Initial Death Benefit is guaranteed level for the first five (5) years. The death benefit may decrease after five years,but never be less than the minimum guaranteed in the policy. The current, non-guaranteed death benefit is projected to be level to age 100.² Premium is level to age 100. MONTHLY means 12 times per year.^ Evidence of insurability (EOI) is required for ages 71-80 and applications in excess of U/W offer³. This rate card is for certificate form GPTLC underwritten by American Heritage Life Insurance Company. Refer to the state specific policy form for exact benefits, limitations, and exclusions. Allstate Benefits is the marketing name for American Heritage Life Insurance Company. Home Office, Jacksonville, FL, a subsidiary of The Allstate Corporation. ©2024 Allstate Insurance Company.Guaranteed Issue Group Term to Age 100 Life InsuranceNON-TOBACCO CLASSGroup Term to 100 Initial Death Benefit¹1819Page 61

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Issue Age25,000 50,000 75,000 100,000Issue Age25,000 50,000 75,000 100,00050 49.10 98.21 147.31 196.428.3316.6725.0033.3351 53.60 107.21 160.81 214.4220 8.75 17.50 26.25 35.00 52 57.98 115.96 173.94 231.9221 9.17 18.33 27.50 36.67 53 62.52 125.04 187.56 250.0822 9.58 19.17 28.75 38.33 54 66.94 133.88 200.81 267.7523 10.00 20.00 30.00 40.00 55 70.98 141.96 212.94 283.9224 10.42 20.83 31.25 41.67 56 76.69 153.38 230.06 306.7525 10.83 21.67 32.50 43.33 57 82.17 164.33 246.50 328.6726 11.25 22.50 33.75 45.00 58 87.50 175.00 262.50 350.0027 11.67 23.33 35.00 46.67 59 92.98 185.96 278.94 371.9228 12.08 24.17 36.25 48.33 60 98.40 196.79 295.19 393.5829 12.50 25.00 37.50 50.00 61 106.46 212.92 319.38 425.8330 12.92 25.83 38.75 51.67 62 114.42 228.83 343.25 457.6731 13.33 26.67 40.00 53.33 63 122.13 244.25 366.38 488.5032 13.75 27.50 41.25 55.00 64 129.67 259.33 389.00 518.6733 14.17 28.33 42.50 56.67 65 136.73 273.46 410.19 546.9234 14.58 29.17 43.75 58.33 66 150.02 300.04 450.06 600.0835 15.00 30.00 45.00 60.00 67 163.00 326.00 489.00 652.0036 16.52 33.04 49.56 66.08 68 175.67 351.33 527.00 702.6737 17.98 35.96 53.94 71.92 69 188.06 376.13 564.19 752.2538 19.50 39.00 58.50 78.00 70 200.10 400.21 600.31 800.4239 21.10 42.21 63.31 84.42 71 ^ 232.77 465.54 698.31 931.0840 22.60 45.21 67.81 90.42 72 ^ 243.44 486.88 730.31 973.7541 24.96 49.92 74.88 99.83 73 ^ 255.17 510.33 765.50 1,020.6742 27.35 54.71 82.06 109.42 74 ^ 268.33 536.67 805.00 1,073.3343 29.71 59.42 89.13 118.83 75 ^ 283.17 566.33 849.50 1,132.6744 32.10 64.21 96.31 128.42 76 ^ 300.54 601.08 901.63 1,202.1745 34.40 68.79 103.19 137.58 77 ^ 311.25 622.50 933.75 1,245.0046 37.19 74.38 111.56 148.75 78 ^ 322.63 645.25 967.88 1,290.5047 40.13 80.25 120.38 160.50 79 ^ 334.63 669.25 1,003.88 1,338.5048 43.15 86.29 129.44 172.58 80 ^ 347.25 694.50 1,041.75 1,389.0049 46.17 92.33 138.50 184.67Group Term to 100 Initial Death Benefit¹ Group Term to 100 Initial Death Benefit¹° Guarantee Issue underwriting limits are subject to account specific offer. Quotes denoted † or ³ require EOI.¹ Initial Death Benefit is guaranteed level for the first five (5) years. The death benefit may decrease after five years,but never be less than the minimum guaranteed in the policy. The current, non-guaranteed death benefit is projected to be level to age 100.² Premium is level to age 100. MONTHLY means 12 times per year.^ Evidence of insurability (EOI) is required for ages 71-80 and applications in excess of U/W offer³. This rate card is for certificate form GPTLC underwritten by American Heritage Life Insurance Company. Refer to the state specific policy form for exact benefits, limitations, and exclusions. Allstate Benefits is the marketing name for American Heritage Life Insurance Company. Home Office, Jacksonville, FL, a subsidiary of The Allstate Corporation. ©2024 Allstate Insurance Company.Issue age 18 will be issued Non-tobaccoMonthly Premiums² Monthly Premiums²1819Guaranteed Issue Group Term to Age 100 Life InsuranceTOBACCO CLASSPage 62

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• latnedicca ,esaesid a morf rehtehw ,eid ll’uoy nehw tciderp t’nac uoY i .sesuac larutan ro yrujn U edivorp nac 001 egA ot mreT ,htaed ruoy nopa yraicifeneb detangised ruoy ot yltcerid tifeneb hsac mus-pmul • efil tnenamrep lanoitidart gnisahcrup dna ,tegdub a no evil uoY i .yltsoc eb dluow ecnarusn T decirp ylbadroffa si 001 egA ot mre• ro 01 ,5 naht erom rof egarevoc sreffo taht ycilop efiL mreT a tnaw uoY 2 .sraey 0 T litnu uoy htiw eb nac taht egarevoc sreffo 001 egA ot mrea 001 eg• ruoy evael uoy dluohs uoy htiw seog taht egarevoc elbadroffa tnaw uoY e .reyolpm Y ees ;uoy htiw egarevoc 001 egA ot mreT eht ekat nac uoy sliated rof ecnarusnI fo etacifitreC ruo• detaler erac htlaeh htiw pleh ot yenom lanoitidda deen yam ylimaf ruoY b .eid uoy retfa slli T tifeneb htaed mus-pmul a sedivorp 001 egA ot mret sesnepxe eseht revoc pleh ot desu eb nac tahG TIFENEB HTAED ECNARUSNI EFIL MRET PUOR G tifeneB htaeD ecnarusnI efiL mreT puor - p detangised ruoy ot tifeneb htaed mus-pmul a sya b etacifitrec eht erofeb eid uoy nehw yraicifene a 001 ega hcaer uoy retfa ro no yrasrevinnO STIFENEB REDIR LANOITIDDA/LANOITP ( )snoitatimil dna snoisulcxe evah sredirA lanimreT rof tifeneB htaeD detarelecc I ssenll -a htaed eht fo %57 fo ecnavda mus-pmul b deifitrec nehw )000,001$ deecxe ot ton( tifene t si elbayap tifeneb ehT .naicisyhp a yb lli yllanimre d .etar tnuocsid tnerruc eht gnisu detnuocsi P tifeneb eht fo tnemyap retfa deviaw era smuimer C mreT s'nerdlih - a a nehw diap si tifeneb htaed c etacifitrec no elbaliava toN .seid dlihc derevo c dlihc a rof desahcrup egarevoG PLTP BVA A 83831MJBB stifeneW uoy rof thgir eb thgim ecnarusnI efiL mreT puorG yhH ?esuops ruoy tsol uoy fi ti eldnah ot ecalp ni secnanif eht evah ton dluow uoy taht deirrow dna tneve gnignahc-efil a decneirepxe reve uoy eva I ,esuops a evah uoy fi ,revewoH .elbaknihtnu eht tuoba kniht ot tnaw ton did uoy esuaceb ffo ti tup uoy tub ,dnim ruoy dessorc evah yam t c :redisnoc ot snosaer lanoitidda emos era ereH .yadot erutuf rieht rof gninnalp tuoba kniht ot hguone nosaer si taht ,nerdlihcdnarg neve ro ,nerdlihP ®.gnivil yadyreve rof stﬁeneB lacitcarW .dnim fo ecaep laicnanif ylimaf ruoy dna uoy evig pleh nac e A .eb nac uoY ®?sdnah doog ni uoy erW elpoep ®sdnaH dooG eht era eW elbaulav ruO .sraey 05 revo rof seilimaf s’aciremA gnitcetorp ,tsurt dna wonk uoy eman eht er’e c dna secnanif rieht rof snoisiced tseb eht ekam ot elpoep rewopme pleh snoitpo egarevot .serutuf riehO rof ,stifeneByM ,latrop ecivres remotsuc tneinevnoc ruo htiw retsiger ,egarevoc detcele ev’uoy ecn a ot uoy swolla osla stifeneByM .stnemucod tnatropmi dna sliated egarevoc ruoy ot ssecca emityn f tnuocca knab ruoy otni yltcerid detisoped stifeneb teg dna – ylisae dna ylkciuq smialc eli ( .)deriuqer noitazirohtua• evah dluow ylimaf ruoy dna renrae egaw yramirp eht er’uoY d .emocni ruoy tuohtiw gnivil ytluciffi I ,001 ega erofeb eid uoy fT mus-pmul a yraicifeneb detangised ruoy sreffo 001 egA ot mred egarevoc fo sraey evif tsrif eht rof deetnaraug si taht tifeneb htaea srotcaf ecneirepxe tnerruc rednu level niamer ot decirp si dn• rac ,egagtrom a sa hcus stbed ylhtnom gnirrucer evah uoY p .sdrac tiderc ro tnemya T mus-pmul a sedivorp 001 egA ot mred sesnepxe ylhtnom revoc pleh ot desu eb nac taht tifeneb htae• yliad rof yenom eriuqer yeht dna ,81 rednu nerdlihc evah uoY l egelloc dna strops loohcs ,gnihtolc ,doof sa hcus sesnepxe gnivi e .noitacud T tifeneb htaed mus-pmul a sedivorp 001 egA ot mret sesnepxe gnivil yliad htiw pleh ot desu eb nac tahW esoohc uoy nehA ETATSLL B ,STIFENEw uoy evig pleh nac e a laicnanif ylimaf ruoy dn p .dnim fo ecaePage 63

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ǁǁǁ͘ƌĞůŝĂŶĐĞƐƚĂŶĚĂƌĚ͘ĐŽŵdŚŝƐWůĂŶ,ŝŐŚůŝŐŚƚŝƐŶŽƚĂĐŽŵƉůĞƚĞĚĞƐĐƌŝƉƚŝŽŶŽĨƚŚĞŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞ͘/ŶƐƵƌĂŶĐĞŝƐƉƌŽǀŝĚĞĚƵŶĚĞƌŐƌŽƵƉƉŽůŝĐǇĨŽƌŵ>Z^Ͳϴϯϰϵ͕ĞƚĂů͘dŚŝƐŝƐŶŽƚĂďŝŶĚŝŶŐĐŽŶƚƌĂĐƚ͘^ŚŽƵůĚƚŚĞƌĞ ďĞ Ă ĚŝĨĨĞƌĞŶĐĞďĞƚǁĞĞŶ ƚŚŝƐ WůĂŶ ,ŝŐŚůŝŐŚƚ ĂŶĚ ƚŚĞ ĐŽŶƚƌĂĐƚ͕ ƚŚĞ ĐŽŶƚƌĂĐƚǁŝůů ŐŽǀĞƌŶ͘ dŚĞ ĞƌƚŝĨŝĐĂƚĞ ŽĨ ŽǀĞƌĂŐĞ ǁŝůů ďĞ ŵĂĚĞĂǀĂŝůĂďůĞ ƚŽ ǇŽƵƚŚĂƚZĞůŝĂŶĐĞ^ƚĂŶĚĂƌĚ>ŝĨĞ/ŶƐƵƌĂŶĐĞŽŵƉĂŶǇŝƐůŝĐĞŶƐĞĚŝŶĂůůƐƚĂƚĞƐ;ĞǆĐĞƉƚEĞǁzŽƌŬͿ͕ƚŚĞŝƐƚƌŝĐƚŽĨŽůƵŵďŝĂ͕WƵĞƌƚŽZŝĐŽ͕ƚŚĞh͘^͘ sŝƌŐŝŶ/ƐůĂŶĚƐĂŶĚ'ƵĂŵ͘/ŶEĞǁzŽƌŬ͕ ŝŶƐƵƌĂŶĐĞ ƉƌŽĚƵĐƚƐ ĂŶĚ ƐĞƌǀŝĐĞƐ ĂƌĞ ƉƌŽǀŝĚĞĚ ƚŚƌŽƵŐŚ &ŝƌƐƚ ZĞůŝĂŶĐĞ ^ƚĂŶĚĂƌĚ >ŝĨĞ /ŶƐƵƌĂŶĐĞ ŽŵƉĂŶǇ͕ ,ŽŵĞ KĨĨŝĐĞ͗ EĞǁ zŽƌŬ͕ Ez͘ WƌŽĚƵĐƚ ĨĞĂƚƵƌĞƐ ĂŶĚĂǀĂŝůĂďŝůŝƚǇŵĂǇǀĂƌǇďǇƐƚĂƚĞ͘Plan Highlights ZŝĐŚŵŽŶĚ Community College  GUARANTEED ISSUE Initial eligibility period only EĞǁ,ŝƌĞƐ͗ΨϮϬϬ͕ϬϬϬ ZĞͲĞŶƌŽůůŵĞŶƚEmployeeƐ:hŶĚĞƌĂŐĞϲϬ͗ΨϱϬ͕ϬϬϬDĂǆŐĞϲϬďƵƚůĞƐƐƚŚĂŶĂŐĞϳϬ͗ΨϱϬ͕ϬϬϬDĂǆŐĞϳϬĂŶĚŽǀĞƌ͗ΨϱϬ͕ϬϬϬDĂǆSpouse:hŶĚĞƌĂŐĞϲϬ͗EĞǁ,ŝƌĞƐΨϱϬ͕ϬϬϬZĞͲĞŶƌŽůůŵĞŶƚΨϭϬ͕ϬϬϬDĂǆŐĞϲϬďƵƚůĞƐƐƚŚĂŶĂŐĞϳϬ͗K/KŶůǇͲEŽ'ƵĂƌĂŶƚĞĞĚ/ƐƐƵĞ ŐĞϳϬĂŶĚŽǀĞƌ͗EŽƚǀĂŝůĂďůĞChild(ren):ΨϭϬ͕ϬϬϬCONTRIBUTION REQUIREMENTS ŽǀĞƌĂŐĞŝƐϭϬϬйŵƉůŽǇĞĞWĂŝĚ͘BENEFIT REDUCTION DUE TO AGE (Applicable to employee / spouse coverage) ƚŐĞ &ĂĐĞŵŽƵŶƚZĞĚƵĐĞƐdŽ  Voluntary Group Term Life ϳϱͲϳϵ ϲϬйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϴϬͲϴϰ ϯϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϴϱͲϴϵ Ϯϳ͘ϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϵϬͲϵϰ ϮϬйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϵϱͲϵϵ ϳ͘ϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰϭϬϬн ϱйŽĨĂǀĂŝůĂďůĞŽƌŝŶĨŽƌĐĞĂŵŽƵŶƚĂƚĂŐĞϳϰRATES PER $10,000ϭϴͲϯϵ͗ΨϬ͘ϴϬϰϬͲϱϵ͗Ψϭ͘ϴϬϲϬн͗ΨϮ͘ϱϬŚŝůĚ;ƌĞŶͿƉĞƌŵŽŶƚŚ͗ΨϮ͕ϱϬϬ͗ΨϬ͘ϰϮΨϱ͕ϬϬϬ͗ΨϬ͘ϴϮΨϳ͕ϱϬϬ͗Ψϭ͘ϮϮΨϭϬ͕ϬϬϬ͗Ψϭ͘ϲϮFEATURESWŽƌƚĂďŝůŝƚǇtĂŝǀĞƌŽĨWƌĞŵŝƵŵELIGIBILITYůůĐƚŝǀĞ&ƵůůͲdŝŵĞŵƉůŽǇĞĞƐǁŽƌŬŝŶŐϯϬŚŽƵƌƐŽƌŵŽƌĞƉĞƌǁĞĞŬ͕ĞǆĐĞƉƚĨŽƌĂŶǇƉĞƌƐŽŶǁŽƌŬŝŶŐŽŶĂƚĞŵƉŽƌĂƌǇŽƌƐĞĂƐŽŶĂůďĂƐŝƐ͘Dependents: zŽƵŵƵƐƚďĞŝŶƐƵƌĞĚĨŽƌǇŽƵƌĞƉĞŶĚĞŶƚƐƚŽďĞĐŽǀĞƌĞĚ͘ĞƉĞŶĚĞŶƚƐĂƌĞ͗fzŽƵƌůĞŐĂůƐƉŽƵƐĞǁŚŽŝƐŶŽƚůĞŐĂůůǇƐĞƉĂƌĂƚĞĚŽƌĚŝǀŽƌĐĞĚĨƌŽŵǇŽƵ͕ƵŶĚĞƌĂŐĞϳϬŽŶĂƉƉůŝĐĂƚŝŽŶĚĂƚĞ͘fzŽƵƌůĞŐĂůůǇͲƌĞĐŽŐŶŝǌĞĚĚŽŵĞƐƚŝĐŽƌĐŝǀŝůƵŶŝŽŶƉĂƌƚŶĞƌf zŽƵƌƵŶŵĂƌƌŝĞĚĨŝŶĂŶĐŝĂůůǇĚĞƉĞŶĚĞŶƚĐŚŝůĚƌĞŶďŝƌƚŚƚŽϮϬǇĞĂƌƐ;ƚŽϮϲǇĞĂƌƐŝĨĨƵůůͲƚŝŵĞƐƚƵĚĞŶƚͿ͘f ƉĞƌƐŽŶŵĂǇŶŽƚŚĂǀĞĐŽǀĞƌĂŐĞĂƐďŽƚŚĂŶŵƉůŽǇĞĞĂŶĚĞƉĞŶĚĞŶƚ͘f KŶůǇŽŶĞŝŶƐƵƌĞĚƐƉŽƵƐĞŵĂǇĐŽǀĞƌĚĞƉĞŶĚĞŶƚĐŚŝůĚƌĞŶ͘BENEFIT AMOUNTVoluntary Life: ŚŽŽƐĞĨƌŽŵĂŵŝŶŝŵƵŵŽĨΨϭϬ͕ϬϬϬƚŽĂŵĂǆŝŵƵŵŽĨΨϱϬϬ͕ϬϬϬ ŝŶΨϭϬ͕ϬϬϬŝŶĐƌĞŵĞŶƚƐ͖ƐƵďũĞĐƚƚŽĂƐĂůĂƌǇĐĂƉŽĨϭϬƚŝŵĞƐďĂƐĞĂŶŶƵĂůĞĂƌŶŝŶŐƐ͘Spouse:ŚŽŽƐĞĨƌŽŵĂŵŝŶŝŵƵŵŽĨΨϭϬ͕ϬϬϬƚŽĂŵĂǆŝŵƵŵŽĨ ΨϱϬϬ͕ϬϬϬŝŶΨϭϬ͕ϬϬϬŝŶĐƌĞŵĞŶƚƐ͘Child(ren):ŝƌƚŚďƵƚůĞƐƐƚŚĂŶϲŵŽŶƚŚƐ͗Ψϭ͕ϬϬϬ͖ϲŵŽŶƚŚƐƚŚƌŽƵŐŚ ĂŐĞϮϬ͗ĐŚŽŝĐĞŽĨ ΨϮ͕ϱϬϬ͕Ψϱ͕ϬϬϬ͕Ψϳ͕ϱϬϬ͕ŽƌΨϭϬ͕ϬϬϬ;ƵƉƚŽĂŐĞϮϲŝĨ ĂĨƵůůͲtime student).Page 64

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Information to identify your policy Policy number Policyholder’s name Policyholder’s date of birth Policyholder’s address Claim details & documentation Patient or Claimant name Attending Physician Statement Pathology report with initial diagnosis (If no surgery or biopsy was performed, submit medical imaging and lab work confirming diagnosis) Pathology and Operative Report for any surgery following initial diagnosis Surgeon’s/ physician’s bill with procedure codes and charges (Note: Please contact the physician’s office, not hospital billing office) Surgeon’s/physician’s bill with procedure codes and charges (Note: Please contact the physician’s office, not hospital billing office) Radiation- Itemized bills showing the procedure codes/full charge description and actual charges Chemotherapy- Itemized billing statement or receipt showing the drug name and/or procedure code and actual charges (Please note, some policies may also require an Explanation of Benefits from the primary insurance carrier) Transportation- List of specific dates traveled and round trip mileage for dates. For airline, bus, or train travel, please provide the receipt of itinerary with travel dates and cost Lodging – itemized bill/itinerary with dates of lodging and costs File your claim quicker using MyBenefits 1. Login at https://mybenefits.allstate.com. Register first, if new to MyBenefits.2. With multiple payment options, choose how you will receive your benefits.3. Click ‘File a Claim’ to begin. Our system will guide you through each step along the way.4. Securely upload supporting documents by scanning or attaching stored files.5. Submit your completed claim.Other ways to file a claim Fax claim submissions: 1 (866) 424-8482 Wellness Claims: 1 (800) 430-4188 Mail: American Heritage Life Insurance Company 1776 American Heritage Life Drive Jacksonville, FL 32224 Page 68

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Experiencing an illness, accident and/or a hospital stay can be challenging. Now you need to fi.le a claim, and the process may seem overwhelming. But The Hartford is here to make this as easy as possible. REFERENCE THE ACTION STEPS AND RESOURCES BELOW TO HELP YOU WITH YOUR CLAIM. When should a claim be filed? Critical Illness' •After a physician has diagnosed you or a covered dependent with a covered illness.• After you or a covered dependent have undergone a health screening and are eligible for a wellness orhealth screening benefit.Accident •After you or your covered dependents receive services performed as a result of an accident.• After you or a covered dependent have undergone a health screening and are eligible for a wellness orhealth screening benefit.Hospital Indemnity •After you or a covered dependent have had a hospital stay as the result of a covered illness or injury.• After you or a covered dependent receive services performed as a result of a covered illness or injury(if included in the policy).• After you or your dependent have undergone a health screening and are eligible for a wellness or healthscreening benefit.Who can file a claim and how? Anyone insured under the policy, or an authorized representative, can file a claim at any time, from anywhere. You can file your claim in different ways depending on what's most convenient to you: 1.ONLINE•Visit the Supplemental Insurance Claims Portal at TheHartford.com/benefits/myclaim.•Register for access if you have not done so already. (Please note: We must have current eligibility from yourbenefits administrator for you and any dependents to be eligible to register on the portal.)•Log in to the portal.•Click on "Complete Your Claim Form Online" under the Quick Links section.•Follow the prompts to complete and submit a claim.2. FILE A CLAIM OVER THE PHONE(Applicable to Health Screening Benefit/Accident Protection Benefit Only)•File your claim by calling 866-547-4205.•Available Monday through Friday, 8:00 a.m. - 6:00 p.m. EST.3. SUBMIT A CLAIM VIA MAIL OR FAX •Download a claim form at TheHartford.com/benefits/myclaim.•Complete the form and mail or fax it to: The Hartford Supplemental Insurance Benefit DepartmentP.O. Box 99906Grapevine, TX 76099Fax Number: 469-417-1952For assistance filing your claim, call 866-547-4205.HOW TO SUBMIT A CLAIM FORCRITICAL ILLNESS, ACCIDENT AND HOSP TAL NDEMN TY NSURANCE Page 69

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What information will you need to provide when submitting your claim? •The form will ask you to provide some information about you, and if you're filing the claim for adependent, their information as well.•Then, select which type of claim you're filing. Continue through the form, only filling out the relevantsections.•In the Benefit Information section, check off each box that applies to the event or services youreceived as a result of your covered illness and/or accident and/or hospital stay.•Be sure you sign the Authorization to Obtain and Disclose Information (which helps us obtaininformation for the claim from medical providers, if needed) and sign the claim form itself.In addition to filling out the form, you'll also need to provide supporting documentation to prove the claim. Examples of documents include: ER, urgent care, physician visit or hospital discharge papers; exam, lab or test results/reports; physician notes; Explanation of Benefits (EOBs) from your health insurance provider; itemized medical or hospital bills; or medical records. Please call us for guidance with your claim submission - we're happy to help you understand how to complete the claim successfully. By thoroughly completing the form and gathering your documentation, we'll be able to better serve you and ensure your claim is processed as quickly as possible. We may also need to work with medical providers to fully prove your claim, but we'll let you know during the claims process if this is necessary. What happens next? After you submit your claim, our dedicated claims team will review the claim and contact you with any questions or to request additional information needed for your claim. Our goal is to ensure you receive all benefits you're entitled to, as quickly as possible. We will review your total voluntary benefits coverage with The Hartford to determine if you might be eligible for additional benefits based on other insurance policies you've purchased. If you are filing a Critical Illness claim and forgot to tell us about a hospital stay for a Hospital Indemnity claim, for example, we've got you covered. Once the claim has been approved, the standard turnaround time for benefits to be paid is between 3-10 business days.2 Standard mail times will apply (if applicable).In the meantime, if you filed your claim online, you can use the site to monitor your claim status and access additional claims-related information at TheHartford.com/benefits/myclaim. For all claims, you are welcome to call 866-547-4205 for claims status or questions. TO GET STARTED, visit TheHartford.com/benefits/myclaim Or contact our Customer Service Center at 866-547-4205 for assistance. THE HARTFORD The Hartford' is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject tothe terms and conditions of the policy. Policies underwritten by the underwriting company listed abovedetail exclusions, limitations,reduction of benefits and termsunder which the policies may be continued in force or discontinued.© 2021The Hartford. THESE POLICIES PROVIDE LIMITED BENEFITS. These limited benefit plans (1) do not constitute major medical coverage, and (2) do not satisfy the individual mandate of the AffordableCare Act(ACA) because the coverage does not meet the requirements of minimum essential coverage. InNew York: The Hospital Indemnity and Critical Illness policies provide limited benefits health insurance only. The Accident policy provides ACCIDENT insurance only.IMPORTANT NOTICE - THE ACCIDENT POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. These policiesdo NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Critical Illness Form Series includes GBD-2600, GBD-2700, or state equivalent. Accident FormSeries includes GBD-2000, GBD-2300, orstate equivalent. Hospital Indemnity Form Series includes GBD-2800,GBD-2900, or state equivalent. ' Critical Illness is referred to as"Specified Disease" inNew York. ' Based on average claims turnaround time. 5704 06/21 Page 70

2025 Richmond Community College Employee Benefits Guide

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