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Employee Benefits Guide PLAN YEAR: January 1, 2024, through December 31, 2024 EFFECTIVE DATES OF BENEFITS January 1, 2024 OFFERED BY: NBC Benefits 4020 Shipyard Boulevard Wilmington, NC 28403 Phone: 1-844-515-2203 Fax: 1-815-377-3556 This booklet highlights benefits offered to all eligible employees for the current plan year, including newly hired employees during the plan year (30 days from date of hire to enroll). The booklet is for general information only. For specific information about your benefits, please consult your Brunswick Community College employee manual, the State of NC Benefits guide, or your specific certificate or policy. Except for Employer Basic Term, benefits described in this booklet are voluntary benefits paid by the employee.

To: Employees of Brunswick Community College NBC Benefits is pleased to offer several new and exciting benefits offering great benefits that can save you money in 2024. The new benefits are a special cancer plan and an affordable TeleHealth service. Both plans were designed with Brunswick Community College in mind. They are extremely affordable and offer excellent benefits to your outstanding benefit program. Please visit with your Benefit Counselor Specialist, Susan Wright, and ask about all plans available to you. We are glad to be your partner in providing valuable benefits. NBC Benefits 4020 Shipyard Boulevard Wilmington, NC 28403 Phone: 1-844-515-2203 Fax: 1-815-377-3556 Page 1

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TABLE OF CONTENTS Description of Benefits Page Benefit & Plan Information 4 Enrollment Information 5 Employer Provided Basic Group Term 6 Flexible Spending Account 8 Dependent Care Flexible Spending Account 12 Accident Insurance 13 Cancer Benefits New for 2024 17 Critical Illness Insurance 23 Dental Benefits 32 Hospital Indemnity Insurance 34 Vision Insurance 40 WebDocUSA - TeleHealth Family Plan New for 2024 42 Short Term Disability Income 43 Voluntary Group Term Life Insurance 50 Page 3

Benefit & Plan Information Eligibility: Full-time employee working 30 hours or more per week. Benefit Plan Year: Brunswick Community College Plan Year January 1, 2024, through December 31, 2024. Cafeteria Plan Information: Spending Accounts Re-enrollment is required during Open Enrollment. Pre-tax and after-tax Insurance Products 2024: Enrollment is required for pre-taxed benefits during open enrollment. Previously enrolled benefits continue for 2024 unless changes are requested. Payroll Deductions Spending Accounts and Insurance Products Deductions will begin monthly with your pay period in January 2024. Benefits Effective Spending Accounts For 2024: January 1, 2024, through December 31, 2024 Employees taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for specific information. Insurance Products Benefits acquired in a prior year continue in force unless changed. Dental and Vision benefits - January 1st through December 31st.  Aflac – Critical Illness  Aflac – Hospital Indemnity  Aflac – Short-Term Disability  Chubb – Accident Insurance  Reliance Standard – Life Insurance Page 4

Enrollment Information Benefit Counselor Enrollment Your benefit counselor meeting will provide you an opportunity to have all your questions answered while enrolling for the benefits you select 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. 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. Some policies are deducted from your pay before taxes. IMPORTANT NOTE & DISCLAIMER This is neither an insurance contract nor a Summary Plan Description; actual policy provisions apply. All information in this booklet including premiums quoted are subject to change. Policy descriptions are for information purposes only. Your actual policies may be different from the policies described in this booklet. Page 5

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Flexible Spending Accounts from HealthEquity Debit Card for Flexible Spending Account If you are currently participating in the Spending Account program, you will continue to use your current card. The new amounts will be added to your existing card. If you are new to the Spending Account program, you will be receiving a new debit card. It may take several weeks following the plan effective date for your debit card to arrive. Prior to receiving your card, you may file claims using the procedures provided to you during open enrollment. 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. An employee has 75 days after the plan year ends to submit claims for spending account expenses that were incurred in the previous plan year. If employment terminates during the plan year, the employee's plan year ends the day employment ends. The employee has 75 days after the termination date to submit claims. Dependent Care Flexible Spending Account With Dependent Care Flexible Spending Accounts, the maximum reimbursement available is equal to the account balance in your Dependent Care account. You cannot be reimbursed more than the amount deducted from your pay. Claims filing procedures will be provided to you during open enrollment. Benefit Accessibility You will have access to your entire election on the first day of the plan year. Use it, or Lose it If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. Currently, you have 2½ months to file claims for the previous year. To avoid losing any of the funds you contribute to your account, it’s important to plan and estimate your annual expenditures before committing funds to your FSA. Page 8

QUICKSTART GUIDEPE-301-FSA-QS-XXXP.O. Box 60010 Phoenix, AZ 85082-0010WageWorksAt-a-GlanceYour FSA: The EssentialsManaging Your AccountUsing Your FSA DollarsRegister online now!If you haven’t registered online yet, please do so today. To register, just visit www.healthequity.com/wageworks, select “LOG IN/REGISTER” and then “Employee Registration.” You’ll need to answer a few simple questions and create a username and password.Questions? HealthEquity makes it easy for you to get the help you need now. Please call us at 877.924.3967 or visit the Support Center at www.healthequity.com/wageworkswhere you will find answers to frequently asked questions, important forms, videos and other useful resources.Download theEZ Receipts® mobile app!Use your mobile device to file claims and take care of your account paperwork from anywhere. Go to www.healthequity.com/wageworksto learn more.Welcome to HealthEquity. Start Saving. Here’s How.Welcome to your healthcare and/or dependent care flexible spending account (FSA) sponsored by your employer and brought to you by HealthEquity. Your FSA is a great way to save on hundreds of eligible expenses like prescriptions, copayments, over-the-counter (OTC) items, and child and elder care.Your FSA: The EssentialsYour FSA is governed by IRS regulations that detail who is eligible to use the account and where and how the money in it is to be used. Your FSA was designed to be simple. To keep it that way, it’s important to comply with the IRS regulations that govern the program. The following guidelines will help you avoid any inconvenience.• Make sure account funds are only spent on expenses for those who are eligible. Typically,those eligible are you, your spouse and your eligible dependents.• Know what expenses are eligible. Log in to your account at www.healthequity.com/wageworks fora complete list of eligible healthcare expenses. Generally, eligible healthcare expenses include servicesand products that are medically necessary to treat a specific condition. Dependent care expensestypically include care provided for your qualifying child (under age 13) or other qualifying dependent soyou can work.• Keep your receipts. Save receipts that describe exactly what you paid for. Make sure the amountand service date—not the payment date—are included.• Over-the-counter (OTC) medications, drugs and menstrual care products. You can use yourHealthEquity® Visa® Healthcare Card (Card) for OTC medications and drugs, including menstrual careproducts. Alternatively, you can pay for the item out of pocket and use Pay Me Back to submit yourclaim to HealthEquity for reimbursement. Pay Me Back claims can be submitted online, or with yoursmartphone or mobile device. (FSA plans vary by employer, and these changes do not necessarilychange the benefits under your employer’s plan.)• Watch where you shop. If using a HealthEquity Healthcare Card, shop only at general merchandisestores or pharmacies that have an IRS-approved inventory system in place. Visit www.sigis.com forthe most updated list of approved merchants. The healthcare Card will not work at a non-certifiedmerchant.• Verify all healthcare Card transactions. If a transaction is not automatically verified at checkout orby a third-party system, you will be notified by email or upon login to your account. Failure to verify anoutstanding transaction may result in healthcare Card suspension.• Register for an online account at www.healthequity.com/wageworks. When you register onlineand provide a current email, you ensure that you will have 24/7 access to your account and will beautomatically signed up to receive important updates and alerts. You also must have an account touse the mobile app and take advantage of features like Submit Receipt or Claim and healthcare Cardusage requests.• Keep track of your FSA balance. Plan ahead to make sure you spend the full amount of your balance.Your Flexible Spending AccountPage 9

© 2020 HealthEquity, Inc. All rights reserved. HealthEquity is a registered trademark of HealthEquity, Inc. Throughout this document, “savings” refers to tax savings only. No part of this document is tax, financial, or legal advice. You should consult your own advisors regarding your personal situation and whether this is the right program for you. Your HealthEquity Visa Healthcare Card can be used at participating merchants who sell eligible healthcare products or services everywhere Visa debit cards are accepted. Your HealthEquity Visa Healthcare Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.QUICKSTART GUIDEManaging Your AccountYou can manage and check up on your account through HealthEquity online or over the phone. The “Claims and Activity” page online details all your account activity and will even alert you if any healthcare Card transactions are in need of verification.For the latest information, visit www.healthequity.com/wageworks and log in to your account 24/7. In addition to reviewing your most recent FSA activity, you can:• Update your account preferences and personal information.• View your transactions and account history.• Schedule payments to healthcare and dependent care providers.• Check the complete list of eligible expenses for your FSA program.• Order additional HealthEquity Healthcare Cards for your family.• Download the EZ Receipts app to file claims and healthcare Carduse paperwork.Using Your FSA DollarsWhen you pay for a eligible healthcare and dependent care expense, you want to put your FSA to work right away. HealthEquity gives you several options to use your money the way you choose.Using your HealthEquity Healthcare CardUse your HealthEquity Healthcare Card (Card) instead of cash or credit at healthcare providers and pharmacies for eligible services, goods and prescriptions. You can also use the healthcare Card at general merchants and drug stores that have an industry standard (IIAS) checkout system that can automatically verify if the item is eligible for purchase with your account.• Go to www.sigis.com to review a list of eligible merchants, likedrugstores, supermarkets and warehouse stores, that accept thehealthcareCard.• When you swipe your healthcare Card at the checkout, choose“credit”(even though it isn’t a credit card).• Consider paying for items or services on the day you receive them.If your health plan covers a portion of the cost, make sure you knowwhat amount you need to pay before using the healthcare Card, bypresenting your health plan member ID card first, so the merchant canidentify your copay or coinsurance amount and ensure the service isclaimed to your healthcare, dental, or vision insurance plan.• Save your receipts or digital copies. You will need them for taxpurposes. Plus, even when your healthcare Card is approved, adetailed receipt may still be requested.• If you’ve lost or can’t produce a receipt for an expense, your optionsmay range from submitting a substitute receipt to paying back the planfor the amount of the transaction.• If you use your healthcare Card at an eye doctor’s or dentist’s office,wewill most likely ask you to submit an Explanation of Benefits (EOB)orother documentation for verification. Failure to do may result in yourhealthcare Card being suspended.• If you lose your healthcare Card, please call HealthEquity immediatelyand order a new one. You will be responsible for any charges until youreport the lost healthcare Card.Using your Mobile DeviceWith the EZ Receipts mobile app, you can file and manage your reimbursement claims and healthcare Card usage paperwork on the spot, with a click of your mobile device camera, from anywhere.To use EZ Receipts:• Download atwww.healthequity.com/wageworks/employees/go-mobile.• Log in to your account.• Choose the type of receipt from the simple menu.• Enter some basic information about the claim or healthcareCard transaction.• Use your mobile device camera to capture the documentation.• Submit the image and details to HealthEquity.Paying onlineYou can pay many of your eligible healthcare and dependent care expenses directly from your FSA with no need to fill out paper forms.* It’s quick, easy, secure and available online at any time.To pay a provider:• Log in to your FSA at www.healthequity.com/wageworks.• Select “Submit Receipt or Claim.”• Request “Pay My Provider” from the menu and follow the instructions.• Make sure to provide an invoice or appropriate documentation. Whenyou’re done, HealthEquity will schedule the checks to be sent inaccordance with the payment guidelines. If you pay for eligible, recurringexpenses, follow the online instructions to set up automatic payments.* You must, however, provide documentation. For more information about the documentation requirements and payment guidelines, visit www.healthequity.com/wageworks.Filing a claimYou also can file a claim online to request reimbursement for your eligible healthcare and dependent care expenses.• Go to www.healthequity.com/wageworks, log in to your account andselect “Submit Receipt or Claim.”• Select “Pay Me Back.”• Fill in all the information requested on the form and submit.• Scan or take a photo of your receipts, EOBs and other supportingdocumentation.• Attach supporting documentation to your claim by using the upload utility.• Make sure your documentation includes the five following pieces ofinformation required by the IRS:- Date of service or purchase- Detailed description- Provider or merchant name- Patient name- Patient portion or amount owedMost claims are processed within one to two business days after they are received, and payments are sent shortly thereafter.If you prefer to submit a paper claim by fax or mail, download a Pay Me Back claim form at www.healthequity.com/wageworks and follow the instructions for submission.Page 10

%A=HPD"MQEPU@KAOJKPLNKRE@AHAC=HP=TKNłJ=J?E=H=@RE?AHS=UO?KJOQHP=LNKBAOOEKJ=HSDAJI=GEJCHEBA?D=JCEJC@A?EOEKJO KLUNECDPĪ%A=HPD"MQEPU&J?HHNECDPONAOANRA@"7;/A?AELPO;#HUAN;QC;EZ ReceiptsMobile AppDownload now Questions? We’re here for you 24/7 ><<?;8:?>5=:L ?T"Page 11

DCFSADCFSADependent Care Flexible Spending AccountA DCFSA lets you use tax-free money to pay for eligible dependent care expenses.1 A qualifying ‘dependent’ may be a child under age 13, a disabled spouse, or an older parent in eldercare.Pre-tax payroll contributions Fast, hassle-free payments and reimbursementEnjoy a full year to spend your account funds Annual tax saving potential2,IRS Contribution Limit3$5,000Common eligible dependent care expenses: •Daycare• Nursery school• Babysitter• Preschool• Summer day camp• Before/after school programs• Elder daycareSee how much you can saveHealthEquity.com/Learn/DCFSA1DCFSAs are never taxed at a federal income tax level when used appropriately for eligible dependent care expenses. Also, most states recognize DCFSA funds as tax deductible with very few exceptions. Please consult a tax advisor regarding your state’s specific rules. | 2The example is for illustrative purposes only. Estimated savings are based on a maximum annual contribution and an assumed combined federal and state income tax bracket of 20%. Actual savings will depend on your contribution amount and taxable income and tax status. | 3Contribution limit is accurate as of 08/01/2022. Each fall the IRS updates the DCFSA contribution limits. For the latest information, please visit: HealthEquity.com/Learn | HealthEquity does not provide legal, tax or financial advice. Always consult a professional when making life-changing decisions.Copyright © 2022 HealthEquity, Inc. All rights reserved. OE_DCFSA_1-pager_May 2022Page 12

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17.48 27.81 24.20 34.5030.30 47.10 42.73 59.50Page 19

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Brunswick Community CollegeDental Highlight SheetDental Plan SummaryEffective Date: 1/1/2024Plan BenefitType 1 100%Type 2 80%Type 3 50%Deductible$50/Calendar Year Type 2 & 3Waived Type 1No Family MaximumMaximum (per person)$2,000 per calendar yearAllowance90th U&CDental Rewards®IncludedWaiting PeriodNoneAnnual Open EnrollmentIncludedSample Procedure Listing (Current Dental Terminology © American Dental Association.)Type 1Type 2Type 3zRoutine Exam (2 in 12 months)zBitewing X-rays(1 in 12 months)zFull Mouth/Panoramic X-rays(1 in 5 years)zPeriapical X-rayszCleaning (4 in 12 months)zFluoride for Children 16 and under(2 in 12 months)zSealants (age 14 and under)z Space Maintainersz Fillings for Cavitiesz Restorative Composites(anterior and posterior teeth)z Endodontics (surgical)z Denture Repairz Simple Extractionsz Complex Extractionsz Anesthesiaz Onlaysz Crowns (1 in 10 years per tooth)z Crown Repairz Endodontics (nonsurgical)z Periodontics (nonsurgical)z Periodontics (surgical)z Implantsz Prosthodontics (fixed bridge; removablecomplete/partial dentures)(1 in 10 years)Monthly RatesEmployee Only (EE)$43.84EE + Spouse$86.36EE + Children$81.36EE + Spouse & Children$123.80Ameritas InformationWe're Here to HelpThis plan was designed specifically for the associates of Brunswick Community College. At Ameritas Group, we do more than provide coverage - we make sure there's always a friendly voice to explain your benefits, listen to your concerns, and answer your questions. Our customer relations associates will be pleased to assist you 7 a.m. to midnight (Central Time) Monday through Thursday, and 7 a.m. to 6:30 p.m. on Friday. You can speak to them by calling toll-free: 800-487-5553. For plan information any time, access our automated voice response system or go online to ameritas.com.Dental Rewards®This dental plan includes a valuable feature that allows plan members to carry over part of their unused annual maximum. A member must submit at least one claim during the benefit year while staying at or under the plan-specific threshold amount. Earns an extra reward, called the PPO Bonus, by seeing a Network Provider. Employees and their covered dependents may accumulate rewards upto the statedmaximum carry-over amount, then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards will be lost; but he or she can begin earning rewards again the very next year.Benefit Threshold$750Dental benefits received for the year cannot exceed this amountAnnual Carryover Amount$400Dental Rewards amount is added to the following year's maximumAnnual PPO Bonus$200Additional bonus is earned if the member sees a network providerMaximum Carryover$1,200Maximum possible accumulation for Dental Rewards and PPO Bonus combinedPage 32

Brunswick Community CollegeDental Highlight SheetDental Network InformationTo find a provider, visit ameritas.com and select FIND A PROVIDER, then DENTAL. Enter your criteria to search by location or for a specific dentist or practice. California Residents: When prompted to select your network, choose the Ameritas Network found on your ID Card or contact Customer Connections at 800-487-5553.Your provider network is Ameritas Classic and Plus Network.PretreatmentWhile we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed.Open EnrollmentIf a member does not elect to participate when initially eligible, the member may elect to participate at the policyholder's next enrollment period. This enrollment period will be held each year and those who elect to participate in this policy at that time will have their insurance become effective on January 1. If you do not enroll during your company's open enrollment period, then you will be subject to the Late Entrant Provision.This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator.Page 33

IV (12/19)AG80075M R7Aflac Group Hospital Indemnity INSURANCEEven a small trip to the hospital can have a major impact on your finances.Here’s a way to help make your visit a little more affordable.Page 34

The plan that can help with expenses and protect your savings.Does your major medical insurance cover all of your bills? Even a minor trip to the hospital can present you with unexpected expenses and medical bills. And even with major medical insurance, your plan may only pay a portion of your entire stay.That’s how the Aflac Group Hospital Indemnity plan can help. It provides financial assistance to enhance your current coverage. It may help avoid dipping into savings or having to borrow to address out-of-pocket-expenses major medical insurance was never intended to cover. Like transportation and meals for family members, help with child care, or time away from work, for instance.The Aflac Group Hospital Indemnity plan benefits include the following:• Hospital Confinement Benefit• Hospital Admission Benefit• Hospital Intensive Care Benefit• Intermediate Intensive Care Step-Down Unit• Successor Insured BenefitAFLAC GROUP HOSPITAL INDEMNITY HIGPolicy Series C80000How it worksThe plan has limitations and exclusions that may affect benefits payable. This brochure is for illustrative purposes only. Refer to your certificate for complete details, definitions, limitations, and exclusions. The Aflac Group Hospital Indemnity plan is selected. The insured has a high fever and goes to the emergency room.The physician admits the insured into the hospital.The insured is released after two days.The Aflac Group Hospital Indemnity plan pays$1,300y Amount payable was generated based on benefit amounts for: Hospital Admission ($1,000), and Hospital Confinement ($150 per day). Page 35

BENEFIT AMOUNTHOSPITAL ADMISSION BENEFIT per confinement (once per covered sickness or accident per calendar year foreach insured)Payable when an insured is admitted to a hospital and confined as an inpatient because of a covered accidental injury or covered sickness. We will not pay benefits for confinement to an observation unit, or for emergency room treatment or outpatient treatment.We will not pay benefits for admission of a newborn child following his birth; however, we will pay for a newborn’s admission to a Hospital Intensive Care Unit if, following birth, he is confined as an inpatient as a result of a covered accidental injury or covered sickness (including congenital defects, birth abnormalities, and/or premature birth).$1,000HOSPITAL CONFINEMENT per day (maximum of 31 days per confinement for each covered sickness or accident foreach insured)Payable for each day that an insured is confined to a hospital as an inpatient as the result of a covered accidental injury or covered sickness. If we pay benefits for confinement and the insured becomes confined again within six months because of the same or related condition, we will treat this confinement as the same period of confinement. This benefit is payable for only one hospital confinement at a time even if caused by more than one covered accidental injury, more than one covered sickness, or a covered accidental injury and a covered sickness. $150HOSPITAL INTENSIVE CARE BENEFIT per day (maximum of 10 days per confinement for each covered sicknessor accident for each insured) Payable for each day when an insured is confined in a Hospital Intensive Care Unit because of a covered accidental injury or covered sickness. We will pay benefits for only one confinement in a Hospital's Intensive Care Unit at a time. Once benefits are paid, if an insured becomes confined to a Hospital's Intensive Care Unit again within six months because of the same or related condition, we will treat this confinement as the same period of confinement.This benefit is payable in addition to the Hospital Confinement Benefit. $150INTERMEDIATE INTENSIVE CARE STEP-DOWN UNIT per day (maximum of 10 days per confinement for eachcovered sickness or accident for each insured)Payable for each day when an insured is confined in an Intermediate Intensive Care Step-Down Unit because of a covered accidental injury or covered sickness. We will pay benefits for only one confinement in an Intermediate Intensive Care Step-Down Unit at a time.Once benefits are paid, if an insured becomes confined to a Hospital's Intermediate Intensive Care Step-Down Unit again within six months because of the same or related condition, we will treat this confinement as the same period of confinement.This benefit is payable in addition to the Hospital Confinement Benefit. $75SUCCESSOR INSURED BENEFITIf spouse coverage is in force at the time of the employee’s death, the surviving spouse may elect to continue coverage. Coverage would continue according to the existing plan and would also include any dependent child coverage in force at the time.Benefits OverviewLIMITATIONS AND EXCLUSIONSEXCLUSIONS We will not pay for loss due to: • War – voluntarily participating in war, any act of war, or military conflicts, declared orundeclared, or voluntarily participating or serving in the military, armed forces, or anauxiliary unit thereto, or contracting with any country or international authority. (Wewill return the prorated premium for any period not covered by the certificate whenthe insured is in such service.) War also includes voluntary participation (In NorthCarolina, active participation) in an insurrection, riot, civil commotion or civil state ofbelligerence. War does not include acts of terrorism (except in Illinois). − In Connecticut: a riot is not excluded. − In Oklahoma: War, or any act of war, declared or undeclared, when serving in themilitary, armed forces, or an auxiliary unit thereto. (We will return the prorated premium for any period not covered by the certificate when the insured is in such service.) War does not include acts of terrorism. • Suicide – committing or attempting to commit suicide, while sane or insane. − In Missouri, Montana, and Vermont: committing or attempting to commit suicide, while sane. − In Minnesota: this exclusion does not apply. • Self-Inflicted Injuries – injuring or attempting to injure oneself intentionally. − In Missouri: injuring or attempting to injure oneself intentionally which isobviously not an attempted suicide. − In Vermont: injuring or attempting to injure oneself intentionally, while sane.In order to receive benefits for accidental injuries due to a covered accident, an insured must be admitted within six months of the date of the covered accident (in Washington, twelve months).Page 36

Continental American Insurance Company (CAIC ), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.Continental American Insurance Company • Columbia, South CarolinaThe certificate to which this sales material pertains may be written only in English; the certificate prevails if interpretation of this material varies. Read your certificate carefully for exact terms and conditions. You’re welcome to request a full copy of the plan certificate through your employer or by reaching out to our Customer Service Center. Benefits, terms, and conditions may vary by state.This brochure is subject to the terms, conditions, and limitations of Policy Series C80000. In Arkansas, C80100AR. In Oklahoma, C80100OK. In Oregon, C80100OR. In Pennsylvania, C80100PA. In Texas, C80100TX. In Virginia, C80100VA. • Racing – riding in or driving any motor-driven vehicle in a race, stunt show or speedtest in a professional or semi-professional capacity. • Illegal Occupation – voluntarily participating in, committing, or attempting to commita felony or illegal act or activity, or voluntarily working at, or being engaged in, anillegal occupation or job. − In Connecticut: voluntarily participating in, committing, or attempting to commita felony. − In Illinois: committing or attempting to commit a felony or being engaged in an illegal occupation. − In Nebraska and Tennessee: voluntarily participating in, committing, or attempting to commit a felony or voluntarily working at, or being engaged in, an illegal occupation or job. − In Pennsylvania: committing or attempting to commit a felony, or being engaged in an illegal occupation. − In South Dakota: voluntarily committing a felony. • Sports – participating in any organized sport in a professional or semi-professionalcapacity. • Custodial Care – this is non-medical care that helps individuals with the basic tasksof everyday life, the preparation of special diets, and the self-administration ofmedication which does not require the constant attention of medical personnel. • Treatment for being overweight, gastric bypass or stapling, intestinal bypass, and anyrelated procedures, including any resulting complications. • Services performed by a family member. − In Arizona: this exclusion does not apply. − In South Dakota: this exclusion does not apply. • Services related to sex or gender change, sterilization, in vitro fertilization, vasectomyor reversal of a vasectomy, or tubal ligation. − In Washington D.C. and Washington: Services related to sterilization, in vitrofertilization, vasectomy or reversal of a vasectomy, or tubal ligation. • Elective Abortion – an abortion for any reason other than to preserve the life of theperson upon whom the abortion is performed. − In Tennessee, or if the pregnancy was the result of rape or incest, or ifthe fetus is non-viable. • Dental Services or Treatment. • Cosmetic Surgery, except when due to: − Reconstructive surgery, when the service is related to or follows surgeryresulting from a Covered Accidental Injury or a Covered Sickness, or is related to or results from a congenital disease or anomaly of a covered dependent child. − Congenital defects in newborns.TERMS YOU NEED TO KNOWA Covered Accident is an accident that occurs on or after an insured’s effective date while coverage is in force, and that is not specifically excluded by the plan.Dependent means your spouse or dependent children, as defined in the applicable rider, who have been accepted for coverage. Spouse is your legal wife, husband, or partner in a legally recognized union. Refer to your certificate for details. Dependent Children are your or your spouse’s natural children, step-children, grandchildren who are in your legal custody and residing with you, foster children, children subject to legal guardianship, legally adopted children (in Texas, adopted children), or children placed for adoption. (In Florida, coverage may be provided for the children of custodial and non-custodial parents.) Newborn children are automatically covered from the moment of birth for 60 days. Newly adopted children (and foster children in North Carolina) are automatically covered for 60 days also. See certificate for details. Dependent children must be younger than age 26 (In Arizona, on the effictive date of coverage and in Louisiana and Illinois, unmarried). See certificate for details. Doctor is a person who is duly qualified as a practitioner of the healing arts acting within the scope of his license, and: is licensed to practice medicine; prescribe and administer drugs; or to perform surgery, or is a duly qualified medical practitioner according to the laws and regulations in the state in which treatment is made.In Montana: For purposes of treatment, the insured has full freedom of choice in the selection of any licensed physician, physician assistant, dentist, osteopath, chiropractor, optometrist, podiatrist, licensed social worker, psychologist, licensed professional counselor, acupuncturist, naturopathic physician, physical therapist, or advanced practice registered nurse.A Doctor does not include you or any of your Family Members. For the purposes of this definition, Family Member includes your spouse as well as the following members of your immediate family: son, daughter, mother, father, sister, or brother. In Arizona, however, a doctor who is your family member may treat you. In South Dakota, however, a doctor who is your family member may treat you if that doctor is the only doctor in the area and acts within the scope of his or her practice.A Hospital is not a nursing home; an extended care facility; a skilled nursing facility; a rest home or home for the aged; a rehabilitation facility; a facility for the treatment of alcoholism or drug addiction (except in Vermont); an assisted living facility; or any facility not meeting the definition of a Hospital as defined in the certificate.A Hospital Intensive Care Unit is not any of the following step-down units: a progressive care unit; a sub-acute intensive care unit; an intermediate care unit; a private monitored room; a surgical recovery room; an observation unit; or any facility not meeting the definition of a Hospital Intensive Care Unit as defined in the certificateSickness means an illness, infection, disease, or any other abnormal physical condition or pregnancy that is not caused solely by, or the result of, any injury (In Maine, illness or disease of an insured). A Covered Sickness is one that is not excluded by name, specific description, or any other provision in this plan. For a benefit to be payable, loss arising from the covered sickness must occur while the applicable insured’s coverage is in force (except in Montana).Treatment is the consultation, care, or services provided by a doctor. This includes receiving any diagnostic measures and taking prescribed drugs and medicines. Treatment does not include telemedicine services (except in Kansas).You May Continue Your CoverageYour coverage may be continued with certain stipulations. See certificate for details.Termination of CoverageYour insurance may terminate when the plan is terminated; the 31st day after the premium due date if the premium has not been paid; or the date you no longer belong to an eligible class. If your coverage terminates, we will provide benefits for valid claims that arose while your coverage was in force. See certificate for details.NOTICESIf this coverage will replace any existing individual policy, please be aware that it may be in your best interest to maintain your individual guaranteed-renewable policy.Notice to Consumer: The coverages provided by Continental American Insurance Company (CAIC) represent supplemental benefits only. They do not constitute comprehensive health insurance coverage and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act. CAIC coverage is not intended to replace or be issued in lieu of major medical coverage. It is designed to supplement a major medical program.For more information, ask your insurance agent/producer, call 1.800.433.3036, or visit aflacgroupinsurance.com.Page 37

AFLAC GROUP HOSPITAL INDEMNITY INSURANCEPolicy Series C80000HIGAG80075HSB R2 IV (1/19)In Wyoming, the plan does not contain comprehensive adult wellness benefits as defined by law. For a complete list of limitations and exclusions please refer to the brochure. Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands.This piece is intended to be used in conjunction with the product brochure for Policy Series C80000 and is subject to the terms, conditions, and limitations of the plan. Continental American Insurance Company • Columbia, South CarolinaThe Health Screening Benefit is payable once per calendar year for health screening tests performed as the result of preventive care, including tests and diagnostic procedures ordered in connection with routine examinations.This benefit is payable for each insured.HEALTH SCREENING BENEFIT / $50 PER CALENDAR YEARResidents of Massachusetts are not eligible for the Health Screening Benefit.Page 38

Premium RatesMonthly PremiumsCoverage Premium(PSOR\HH (PSOR\HHDQG6SRXVH (PSOR\HHDQG&KLOGUHQ )DPLO\ 7KH UDWHV DQG SURGXFW DYDLODELOLW\ LQGLFDWHG LQ WKLV SURSRVDO DUH VXEMHFW WR FKDQJH DV D UHVXOW RI ILQDO XQGHUZULWLQJ*33/$1Group Hospital Indemnity InsurancePage 39

Brunswick Community CollegeEye Care Highlight SheetFocus® Plan Summary Effective Date: 1/1/2024VSP Choice Network + AffiliatesOut of NetworkDeductibles$10 Exam$10 Exam$25 Eye Glass Lenses or Frames*$25 Eye Glass Lenses or FramesAnnual Eye ExamCovered in fullUp to $45Lenses (per pair)Single VisionCovered in fullUp to $30BifocalCovered in fullUp to $50TrifocalCovered in fullUp to $65LenticularCovered in fullUp to $100ProgressiveSee lens optionsNAContactsFit & Follow Up ExamsMember cost up to $60No benefitElectiveUp to $130Up to $105Medically NecessaryCovered in fullUp to $210Frame Allowance$130**Up to $70Frequencies (months)Exam/Lens/Frame12/12/2412/12/24Based on date of serviceBased 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 + AffiliatesOut of Network(Other than Costco)Progressive LensesUp to provider’s contracted fee for Lined Bifocal Lenses. The patient is responsiblefor the difference between the base lens andthe 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$17No benefitPhotochromatic Lenses(Glass & Plastic)$31-$82No benefitScratch Resistant Coating$17-$33No benefitAnti-Reflective Coating$43-$85No benefitUltraviolet Coating$16No benefit*Lens Option member costs vary by prescription, option chosen and retail locations.Monthly RatesEmployee Only (EE)$5.84EE + 1 Dependent$10.80EE + 2 or more Dependents$15.72Page 40

Brunswick Community CollegeEye Care Highlight SheetAdditional Focus® Choice Network FeaturesContact Lenses ElectiveAllowance can be applied to disposables, but the dollar amount must be used all at once(provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu ofglasses. For plans without a separate contact fitting & evaluation (which includes followup contact lens exams), the cost of the fitting and evaluation is deducted from theallowance.Additional Glasses20% off additional complete pairs of prescription glasses and/or prescription sunglasses.*Frame DiscountVSP offers 20% off any amount above the retail allowance.*Laser VisionCareVSP offers an average discount of 15% off or 5% off a promotional offer for LASIKCustom LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 forLASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK.In order to receive the benefit, a VSP provider must coordinate the procedure.Low VisionWith prior authorization, 75% of approved amount (up to $1,000 is covered every twoyears).Based on applicable laws, reduced costs may vary by doctor location.Eye Care Plan Member ServiceFocus eye care from Ameritas Group features the money-saving eye care network of VSP. Customer service is available to planmembers 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: 1-800-877-7195z Service representative hours: 5 a.m. to 7 p.m. PST Monday through Friday, 6 a.m. to 2:30 p.m. PST Saturdayz Interactive Voice Response available 24/7Locate a VSP provider at: ameritas.comView plan benefit information at: vsp.comThis document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator.Page 41

Tele‐HealthforBCCEmployeesBoard‐CertifiedDoctorsandBehavioralHealthProfessionalstodiagnoseyour(andfamily)symptoms,prescribemedication,andsendprescriptionstoyourpharmacyof choice.AbdominalPain/Cramps Conspaon PinkEyeAbscess Cough/Croup PoisonIvy/OakAcidReflux Diarrhea Rash/SkinInjuryAllergies Dizziness RespiratoryInfeconAnimal/InsectBites EyeInfecon/Irritaon SinusisArthris Fever SoreThroatAsthma Flu SprainsandStrainsBackache Gas STD’sBloodPressureIssues Gout StrepBronchis Headache/Migraine TonsillisBowel/DigesveIssues HerpesVaginal/MenstrualCellulis JointPain/Swelling YeastInfeconsCold Laryngis AndmorePrimaryCareMobileDoctors Mental&BehavioralHealthBenefitCostPerPayPeriod$6.00Page 42

EXP 9/23AGC2201272Group DisabilityInsurance INSURANCE PLAN — NON-OCCUPATIONAL A disabling illness or injury may be unpredictable.We’ll help make sure they don’t aect your financial plans, too.THIS IS NOT A MEDICARE SUPPLEMENT POLICY. THIS IS A LEGAL CONTRACT. PLEASE READ YOUR CONTRACT CAREFULLY. If you are eligible for Medicare,review the Guide to Health Insurance for People with Medicare, which is available from the company. Insureds may be subject to a waiting period for certain covered services.Important Cancellation Information — Please Read The Provision EntitledPlan TerminationPage 43

Aflac can help you protect one of your most important assets. Your income.All too often when we hear the words disability and insurance together, it conjures up an image of a catastrophic condition that has left an individual in an incapacitated state. Be it an accident or a sickness, that’s the stereotype of a disabling injury that most of us have come to expect.What most of us don’t realize is that in addition to accidental injuries, conditions such as arthritis, heart disease, KPHIL[LZHUKL]LUWYLNUHUJ`HYLZVTLVM[OLSLHKPUNJH\ZLZVMKPZHIPSP[`[OH[JHURLLW`V\V\[VM^VYRHUKHќLJ[your income. That’s where Aflac group disability insurance can help. 6\Y(ÅHJNYV\WKPZHIPSP[`WSHUJHUOLSWWYV[LJ[`V\YPUJVTLI`VќLYPUNKPZHIPSP[`ILULÄ[Z[VOLSW`V\THRLLUKZTLL[^OLU`V\ are out of work. Our plan was created with you in mind and includes:÷ 2IIWKHMREFRYHUDJH÷ %HQHILWVWKDWKHOS\RXPDLQWDLQ\RXUVWDQGDUGRIOLYLQJThe Aflac group disability plan benefits:÷ %HQHðWVDUHSDLGZKHQ\RXDUHVLFNRUKXUWDQGXQDEOHWRZRUNXSWRSHUFHQWRI\RXUVDODU\XSWRLQVWDWHVZLWKVWDWHGLVDELOLW\÷ 0LQLPXPDQG0D[LPXP7RWDO0RQWKO\%HQHðWòWR÷ 3UHPLXPSD\PHQWVDUHZDLYHGDIWHUGD\VRIWRWDOGLVDELOLW\QRWDYDLODEOHRQPRQWKEHQHðWSHULRG÷ 3DUWLDO'LVDELOLW\%HQHðWFeatures:÷ %HQHðWVDUHSDLGGLUHFWO\WR\RXXQOHVVRWKHUZLVHDVVLJQHG÷ &RYHUDJHLVSRUWDEOH7KDWPHDQV\RXFDQWDNHLWZLWK\RXLI\RXFKDQJHMREVZLWKFHUWDLQVWLSXODWLRQV÷ 3D\UROO'HGXFWLRQò3UHPLXPVDUHSDLGWKURXJKFRQYHQLHQWSD\UROOGHGXFWLRQ%XWLWGRHVQŖWVWRSWKHUHKDYLQJJURXSVKRUWWHUPGLVDELOLW\LQVXUDQFHIURP$IJDFPHDQVWKDW\RXZLOOKDYHDGGHGıQDQFLDOUHVRXUFHVWRKHOSZLWKPHGLFDOFRVWVRURQJRLQJOLYLQJexpenses such as rent, mortgage or car payments. AFLAC GROUP DISABILITYPage 44

BENEFITS OVERVIEW:TOTAL DISABILITY;OPZJVU]LUPLU[HќVYKHISLKPZHIPSP[`PUJVTLWSHU^PSSOLSWWYV]PKLULLKLKPUJVTLPM`V\ILJVTL;V[HSS`+PZHISLKHUKHYL\UHISL[V^VYRK\L[VHJV]LYLKPUQ\Y`VYPSSULZZ;V[HSKPZHIPSP[`ILULÄ[Z^PSSILWH`HISLTVU[OS`VUJL[OLLSPTPUH[PVUWLYPVKOHZILLUZH[PZÄLKPARTIAL DISABILITY;OL7HY[PHS+PZHIPSP[`)LULÄ[OLSWZ`V\[YHUZP[PVUIHJRPU[VM\SS[PTL^VYRHM[LYZ\ќLYPUNHKPZHIPSP[`0M`V\YLTHPUWHY[PHSS`KPZHISLKHUKHYLVUS`HISL[V^VYRLHYUPUNSLZZ[OHUWLYJLU[VM`V\YWYLKPZHIPSP[`PUJVTLH[HU`QVI[OPZWSHU^PSSZ[PSSWH``V\WLYJLU[VM`V\YZLSLJ[LKTVU[OS`ILULÄ[MVY\W[V[OLTH_PT\TWHY[PHSKPZHIPSP[`ILULÄ[WLYPVKVMTVU[OZHM[LY[OLLSPTPUH[PVUWLYPVK@V\KVUV[OH]L[VOH]LYLJLP]LK[OL;V[HS+PZHIPSP[`ILULÄ[[VYLJLP]L[OL7HY[PHS+PZHIPSP[`ILULÄ[WAIVER OF PREMIUM 7YLTP\TZHYL^HP]LKHM[LY KH`ZVM;V[HS+PZHIPSP[`(M[LY;V[HS+PZHIPSP[`ILULÄ[ZLUKHU`WYLTP\TZ^OPJOILJVTLK\LT\Z[ILWHPKPUVYKLY[VRLLW`V\YPUZ\YHUJLPUMVYJL;OPZILULÄ[PZUV[H]HPSHISLVUWSHUZ^P[OHTVU[OILULÄ[WLYPVKPORTABILITY 0M`V\JLHZLLTWSV`TLU[^P[O`V\YLTWSV`LY`V\TH`LSLJ[[VJVU[PU\L`V\YJV]LYHNL0UVYKLY[VJVU[PU\L`V\YJV]LYHNLyou must meet all of the requirements listed below. @V\T\Z[^VYRM\SS[PTLMVYHUV[OLYLTWSV`LY• You must make a written application and pay the required premium to us within 31 days after the date your insurancewould otherwise terminate.• You must continue to pay any required premiums.;OLJV]LYHNL`V\TH`JVU[PU\LPZ[OH[^OPJO`V\OHKVU[OLKH[L`V\YLTWSV`TLU[[LYTPUH[LK0M`V\X\HSPM`MVY[OPZWVY[HIPSP[`WYP]PSLNLHZKLZJYPILK[OLU[OLZHTLILULÄ[ZWSHUWYV]PZPVUZHUKWYLTP\TYH[LZOV^UPU`V\YJLY[PÄJH[LHZpreviously issued will apply. Coverage may not be continued if you fail to pay any required premium or if the master policy [LYTPUH[LZ0UZ[Y\J[PVUZMVYJVU[PU\PUNJV]LYHNL^PSSILWYV]PKLK^P[OPU`V\YJLY[PÄJH[LVMJV]LYHNLCare and attendance may not require the insured to be under the care of a physician on a regular basis if it can be shown that theinsured has reached his maximum point of recovery yet is still disabled under the terms of this contract. This does not restrict theright of the insurer, at its own expense, to periodically examine or cause to have examined the insured according to the terms of thiscontract.How It Works: Aflac Group Disability Non-occupational coverage is selected with a 60% of salary benefit.Aflac Group Disability pays the certificate holder60%of his salary for the length of disability after the elimination period.The certificate holder hurts his back helping his friend move over the weekend.A physician determines the certificateholder will be out of work for 1 month while recovering.;OLWSHUOHZSPTP[H[PVUZHUKL_JS\ZPVUZ[OH[TH`HќLJ[ILULÄ[ZWH`HISL;OPZIYVJO\YLPZMVYPSS\Z[YH[P]LW\YWVZLZVUS`9LMLY[V`V\YJLY[PÄJH[LMVYJVTWSL[LKL[HPSZKLÄUP[PVUZSPTP[H[PVUZHUKL_JS\ZPVUZ-VYTVYLPUMVYTH[PVUHZR`V\YPUZ\YHUJLHNLU[WYVK\JLYJHSSVY]PZP[HÅHJNYV\WPUZ\YHUJLJVTPage 45

LIMITATIONS AND EXCLUSIONSIf this coverage will replace any existing individual policy please be aware that it may be in your best interest to maintain their individual guaranteed-renewable policy.We will not pay benets whenever coverage provided by this Policy is in violation of any U.S. economic or trade sanctions. If the coverage violates U.S. economic or trade sanctions, such coverage shall be null and void.We will not pay benets whenever fraud is committed in making a claim under this coverage or any prior claim under any other Aac coverage for which you received benets that were not lawfully due and that fraudulently induced payment.A. We will not pay benets for a Disability that is caused by or occurs as a resultof: 1. Any act of war, declared or undeclared; insurrection; rebellion; or act ofactive participation in a riot; this does not include terrorism; 2. Actively serving inany of the armed forces, or units auxiliary thereto, including the National Guardor Reserve; 3. An intentionally self-inicted Injury; 4. A commission of a crime forwhich the Insured has been convicted; we will not pay a benet for any Periodof Disability during which the Insured is incarcerated; 5. Travel in, or jumping ordescent from any aircraft, except when a fare-paying passenger in a licensedpassenger aircraft; 6. Mental Illness as dened; 7. Alcoholism or drug addiction; 8. An Injury that arises from any employment; 9. Services or supplies for the treatmentof an Occupational Injury or Sickness which are paid under the North CarolinaWorkers’ Compensation Act only to the extent such services or supplies are theliability of the employee, employer or workers’ compensation insurance carrieraccording to a nal adjudication under the North Carolina Workers’ CompensationAct or an order of the North Carolina Industrial Commission approving a settlementagreement under the North Carolina Workers’ Compensation Act.TERMS YOU NEED TO KNOWActively at Work refers to your ability to perform your regular employment duties for a full normal workday. You may perform these activities either at your employer’s regular place of business or at a location where you may be required to travel to perform the regular duties of your employment.Benet Period is the maximum number of days after the Elimination Period, if any, for which you can be paid benets for any period of disability. Each new Benet Period is subject to a new Elimination Period.Effective Date is the date shown on the Certicate Schedule, provided you are actively at work, or if not, it is the date you are actively at work as an eligible employeeElimination Period is the number of continuous days at the beginning of your Period of Disability for which no benets are payable. Each new Benet Period is subject to a new Elimination Period. Injury refers to a bodily injury not otherwise excluded that is directly caused by a covered accident, is not caused by Sickness, disease, bodily inrmity, or any other cause, and occurs while coverage is in force.Mental Illness is dened as a Total Disability resulting from psychiatric or psychological conditions, regardless of cause. Mental Illnesses and Emotional Disorders includes but are not limited to the following: bipolar affective disorder (manic-depressive syndrome), delusional (paranoid) disorders, psychotic disorders, somatoform disorders (psychosomatic illness), eating disorders, schizophrenia, anxiety disorders, depression, stress, post-partum depression, personality disorders and adjustment disorders or other condition usually treated by a mental health provider or other qualied provider using psychotherapy, psychotropic drugs or other similar modalities used in the treatment of the above conditions.Partial Disability refers to your being under the care and attendance of a Doctor due to a condition that causes your inability to perform the material and substantial duties of your Full-Time Job. To qualify as Partial Disability, you are able to work at any job earning less than 80 percent of the Annual Income of your Full-Time Job at the time you became disabled.Sickness refers to a covered illness, disease, infection, or any other abnormal physical condition that is not caused by an Injury, rst manifested and rst treated after the Effective Date of coverage, and occurs while coverage is in force. Termination Coverage will terminate on the earliest of: (1) the date the master policy is terminated, (2) the 31st day after the premium due date if the required premium has not been paid, (3) the date you cease to meet the denition of an employee as dened in the master policy, (4) the date you no longer belong to an eligible class, (5) age 75.Plan Termination The plan may terminate for any of the following reasons the premium is not paid before the end of the grace period, we cancel the plan any time after the end of the rst policy year. To do this, we must give 45 days’ written notice, or the number of participating employees is less than the number that was agreed upon between us and the policyholder in the signed master application. The policyholder has the sole responsibility to notify you of the termination of the plan. If the plan terminates, it — as well as all certicates and riders issued under theplan — will end on the stated termination date. The termination occurs as of 12:01 a.m. at thepolicyholder’s address. If the Plan ends, we will provide coverage for claims arising from disabilities that were rst diagnosed while the plan was in force.Reinstatement If any renewal premium is not paid on time (as outlined in the initial payment agreement) for the plan, we may accept the late premium and reinstate the plan without requiring a new application.However, if we do require an application for reinstatement and issues a conditional receipt for the premium tendered, the plan will be reinstated upon our approval or lacking such approval or upon the 45th day following the date of the conditional receipt (unless we have previously notied the policyholder in writing of our disapproval of the application).The reinstated plan covers only loss resulting from such accidental injury as may be sustained after the date of reinstatement and loss due to such sickness as may begin more than 10 days after such date. In all other respects, the policyholder and we will have the same rights they had under the plan immediately before the due date of the defaulted premium (subject to any provisions endorsed with or attached to the reinstatement). Any premium accepted with a reinstatement will be applied to a period for which premium has not been previously paid, but not to any period more than 60 days prior to the date of reinstatement.Total Disability refers to your being under the care and attendance of a Doctor due to a condition that causes your inability to perform the material and substantial duties of your Full-Time Job. To qualify as Total Disability, you may not be working at any job. You and Your refers to an employee as dened in the Plan.Continental American Insurance Company (CAIC), a proud member of the Aac family of insurers, is a wholly-owned subsidiary of Aac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. Continental American Insurance Company • Columbia, South CarolinaThe certificate to which this sales material pertains may be written only in English; the certificate prevails if interpretation of this material varies.This brochure is a brief description of coverage and is not a contract. Read your certificate carefully for exact terms and conditions. You’re welcome to request a full copy of the plan certificate through your employer or by reaching out to our Customer Service Center. This brochure is subject to the terms, conditions, and limitations of Policy Form C50000NC.Page 46

*33/$1Group Short-Term Disability InsurancePlan Benefits(Descriptions of specific provisions may vary by state.) BenefitsBenefit Duration 12 MonthsElimination Period 14/14 DaysTotal Disability BenefitTotal Disability Benefit7KLVEHQHILWSD\VWKHPRQWKO\EHQHILWZKHQDFRYHUHGHPSOR\HHLVWRWDOO\GLVDEOHGDQGXQDEOHWRZRUNGXHWRVLFNQHVVRULQMXU\%HQHILWVEHJLQIROORZLQJWKHH[SLUDWLRQRIDQDSSOLFDEOHHOLPLQDWLRQSHULRG7RWDO'LVDELOLW\%HQHILWVZLOOHQGZKHQ• 7KHHPSOR\HHLVFOHDUHGE\WKHGRFWRUDQGUHWXUQVWRKLVIXOOWLPHMREor• 7KHHPSOR\HHHDUQVRUPRUHRISUHGLVDELOLW\LQFRPHZRUNLQJDWDQ\MREor• 7KHHPSOR\HHUHDFKHVWKHHQGRIWKHWRWDOGLVDELOLW\EHQHILWSHULRGPartial Disability Benefit7KLVEHQHILWSD\VRIWKHPRQWKO\EHQHILWZKHQDFRYHUHGHPSOR\HHLVSDUWLDOO\GLVDEOHGDQGUHWXUQVWRZRUNHDUQLQJOHVVWKDQRIEDVHLQFRPHGXHWRVLFNQHVVRULQMXU\%HQHILWVEHJLQIROORZLQJWKHH[SLUDWLRQRIDQDSSOLFDEOHHOLPLQDWLRQSHULRG3DUWLDO'LVDELOLW\%HQHILWVZLOOHQGZKHQ• 7KHHPSOR\HHLVFOHDUHGE\WKHGRFWRUDQGUHWXUQVWRKLVIXOOWLPHMREor• 7KHHPSOR\HHHDUQVRUPRUHRISUHGLVDELOLW\LQFRPHZRUNLQJDWDQ\MREor• 7KHHPSOR\HHUHDFKHVWKHHQGRIWKHSDUWLDOGLVDELOLW\EHQHILWSHULRGDPD[LPXPRIPRQWKV7KH3DUWLDO'LVDELOLW\%HQHILWKDVLWVRZQEHQHILWSHULRGLWLVnotVXEMHFWWRWKH7RWDO'LVDELOLW\%HQHILW3HULRG7KHHPSOR\HHPD\EHHOLJLEOHIRUWKH3DUWLDO'LVDELOLW\%HQHILWHYHQLIKHKDVQRWUHFHLYHGWKH7RWDO'LVDELOLW\%HQHILWSeparate Periods of DisabilitySame or Related Conditions6HSDUDWHSHULRGVRIGLVDELOLW\UHVXOWLQJIURPWKHsame condition or a related conditionDUHFRQVLGHUHGDFRQWLQXDWLRQRIWKHSULRUGLVDELOLW\LIWKH\DUHQRWVHSDUDWHGE\GD\VRUPRUH2QFHWKHPD[LPXP'LVDELOLW\%HQHILWKDVEHHQSDLGWKHFRYHUHGHPSOR\HHZLOOQRWEHHOLJLEOHIRUDQHZ'LVDELOLW\%HQHILWGXHWRWKHsame or a related condition for 180GD\VDIWHUallWKHIROORZLQJFRQGLWLRQVDUHPHW• 7KHHPSOR\HHKDVEHHQUHOHDVHGE\DGRFWRUIURPWKHSULRUGLVDELOLW\• 7KHHPSOR\HHLVQRORQJHUGLVDEOHG• 7KHHPSOR\HHLVQRORQJHUTXDOLILHGWRUHFHLYHDQ\GLVDELOLW\EHQHILWVXQGHUWKHFHUWLILFDWH$IWHUWKHGLVDELOLW\EHQHILWSHULRGWKHHPSOR\HHPD\FRQWLQXHFRYHUDJHLIallRIWKHIROORZLQJFRQGLWLRQVDUHPHW• 7KHHPSOR\HHUHWXUQVWRZRUNZLWKLQGD\VDIWHUWKHEHQHILWSHULRGHQGV• 3UHPLXPSD\PHQWVIRUWKHFRYHUDJHUHVXPHXSRQUHWXUQWRZRUN• 7KHJURXSPDVWHUSROLF\LVVWLOOLQIRUFHXSRQUHWXUQWRZRUNPage 47

GP-35498.PLAN-241622Group Short-Term Disability InsuranceUnrelated CausesSeparate periods of disability resulting from unrelated causes are considered a continuation of the prior disability if they are notseparated by the covered employee returning to work at a full-time job for 30 consecutive days, during which the employee isperforming the material and substantial duties of that job.Once the maximum Disability Benefit has been paid, the employee will not be eligible for a new Benefit for disability due to an unrelatedcause, until 30 consecutive days after all the following conditions are met:• The employee has been released by a doctor from a prior disability.• The employee is no longer qualified to receive any disability benefits under this certificate.After the disability benefit period, the employee may continue coverage if all of the following conditions are met:• The employee returns to work within 90 days after the benefit period ends.• Premium payments for the coverage resume upon return to work.• The group Policy is still in force upon return to work.Periods of disability meeting either of these separation requirements will begin a new Disability Benefit Period, subject to a newelimination period.Page 48

Group Short-Term Disability InsuranceBenefit and Premium RatesMonthly Rates per $100 of monthly benefit Age Band 18-49 50-64 65-743UHPLXP5DWH   *33/$1Annual Salary Range Monthly Benefit AGE 18-49 AGE 50-64 AGE 65-74RUPRUH    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    WR    RUPRUH    Page 49

www.reliancestandard.com Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY. Product features and availability may vary by state. Plan Highlights 2024 Brunswick Community College GUARANTEED ISSUE Initial eligibility period only Employee: Under age 60: $50,000 Age 60 but less than age 70: $50,000 Age 70 and over: $50,000 Spouse: Under age 60: $10,000 Age 60 but less than age 70: none Age 70 and over: none Child(ren): $10,000 CONTRIBUTION REQUIREMENTS Coverage is 100% Employee Paid. BENEFIT REDUCTION DUE TO AGE (Applicable to employee / spouse coverage) At Age Face Amount Reduces To Voluntary Group Term Life 75-79 60% of available or in force amount at age 7480-84 35% of available or in force amount at age 7485-89 27.5% of available or in force amount at age 7490-94 20% of available or in force amount at age 7495-99 7.5% of available or in force amount at age 74100 + 5% of available or in force amount at age 74RATES PER $10,00018-39: $0.8040-59: $1.8060+: $2.50Child(ren) per month:$2,500: $0.42$5,000: $0.82$7,500: $1.22$10,000: $1.62FEATURESPortability Waiver of PremiumELIGIBILITY All Active Full-Time Employees working 30 hours or more per week,except for any person working on a temporary or seasonal basis. Dependents: You must be insured for your Dependents to be covered. Dependents are: fYour legal spouse who is not legally separated or divorced fromyou , under age 70 on application date.fYour legally-recognized domestic or civil union partnerf Your unmarried financially dependent children birth to 20 years(to 26 years if full-time student).f A person may not have coverage as both an Employee andDependent.f Only one insured spouse may cover dependent children.BENEFIT AMOUNT Voluntary Life: Choose from a minimum of $10,000 to a maximum of$500,000 in $10,000 increments; subject to a salary cap of 10 timesbase annual earnings. Spouse: Choose from a minimum of $10,000 to a maximum of$500,000 in $10,000 increments. Child(ren): Birth but less than 6 months: $1,000; 6 months through age 20:A choice of $2,500, $5,000, $7,500, or $10,000 (up to age 26 if a full-time student).This Plan Highlight is not a complete description of the insurance coverage. Insurance is provided under group policy form LRS-8349, et al. This is not a binding contract. Should there be a difference between this Plan Highlight and the contract, the contract will govern. The Certificate of Coverage will be made available to you that describes the benefits in greater detail; however a benefit will not be paid if caused or contributed by an exclusion listed in the Certificate. Page 50

WHO TO CALL If you have a question about your coverage or benefits, call: NBC Benefits, Inc. 4020 Shipyard Blvd Wilmington, NC 28403 Toll Free 1-844-515-2203 Fax 1-815-377-3556 Email jim@nbc007.com Website www.nbc007.com We are here to answer your questions! ✔ Hartford –Employer Provided Basic Group Term Life ✔ HealthEquity – Flexible Spending Account ✔ HealthEquity – Dependent Care Account ✔ Accident Insurance ✔ Cancer Benefits New for 2024 ✔ Critical Illness Insurance ✔ Dental Benefits ✔ Hospital Indemnity ✔ Vision Benefits ✔ WebDocUSA – TeleHealth Family Plan New for 2024 ✔ Short Term Disability Income ✔ Voluntary Group Term Life Insurance