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B E N E F I T G U I D E

Buff Bunny is committed to a comprehensive employee benefit program that helps our employees stay healthy, feel secure and maintain a work/life balance.The benefits program was designed to provide you with a competitive level of standard coverage while allowing you the flexibility to choose benefits that reflect your needs and personal circumstances. In addition to receiving health coverage, you have the opportunity to choose additional coverage that best meets your needs.2

The amount you must pay before your insurancecompany starts to pay for covered services eachyear.DEDUCTIBLEA fixed amount you pay for coveredservices such as doctor visit or diagnostic test.CO-PAYMENTSMedical services included in your insurance plan,such as doctor visits, hospital stays and diagnostictests.COVERED SERVICESA doctor or medical facility that is not contracted withyour insurance company. Using out-of- networkproviders can result in you paying a higher portion ofthe medical bills or possibly the entire bill.OUT-OF-NETWORKThe percentage of a medical expense you areresponsible for paying. This usually kicks in afteryou have met your deductible.COINSURANCEThe most you have to pay for covered services in aplan year.OUT-OF-POCKET MAXIMUMThe doctors, hospitals and other medical facilitiesand suppliers that contract with your insurancecompany to provide medical services.IN-NETWORKThe person or facility providing services to you,including doctors, hospitals and pharmacies.PROVIDERTERMS YOUSHOULD KNOW8www.elitebenefitsgroup.comTERMS YOU3

Allstate Benefits PHCS NetworkIN - NETWORKOUT - NETWORK Plan70% Participant30% CALENDAR YEAR DEDUCTIBLE Individual$2,000 Family$4,000 MAXIMUM OUT OF POCKET Individual$3,000 Family$6,000 OFFICE VISIT Primary Care Visit (non-surgical)$40 Copay Specialist Visit (non-surgical) Urgent Care Visit Preventive Care HOSPITAL In-Patient Services30% Coinsurance Out-Patient Services Emergency Room RETAIL PRESCRIPTION Preferred Generic$20 / $50 / $75 EMPLOYEE CONTRIBUTION (BI-WEEKLY) Employee only$135.53 Employee and Spouse$555.66 Employee and Child (ren)$393.02 Employee and Family$758.94Allstate Benefits (PHCS Network) is our medical carrier. Below is a brief summary of the medical plan. Using In- Network facilities and physicians will result in significant cost savings to the member. Network facilities and physicians can be found at www.multiplan.com or call 800-256-2680.4www.elitebenefitsgroup.comMEDICALPHCS Networkwww.multiplan.com 800-256-268050%50%$4,000$8,000$9,000$18,000$60 Copay$75 Copay/Visit, then covered at 100%No Charge$500 Copay/Visit, then covered at 100%30% Coinsurance50% Coinsurance50% Coinsurance50% Coinsurance50% Coinsurance50% Coinsurance50% Coinsurance$500 Copay/Visit, then covered at 100%Not Covered

$3,000, 100% 80% 50%CLASS TYPE OF SERVICE INSURANCE PAYSCLASS A Preventive Services 100%CLASS B Basic Services 80%CLASS C Major Services 50%DENTALN E T W O R K : ( U N U M )Colonial Life Dental insurance can help preserve your smile with easy-to-use coverage that promotes overallwellness. Benefits can help with a variety of dental costs, from routine cleanings to more advancedprocedures.Additional benefits include, no annual rate increases, fully portable and national networks.www.elitebenefitsgroup.comPlan details The benefit year maximum for this plan is $3,000 per person.Class A, B and C services apply toward the benefit year maximum.This plan has a deductible of $50 per person.Families only pay the deductible for a maximum of three people. Applies only to Class B and C Services.The co-insurance for this plan is:Our national dental network offers more than 323,000 access points. Members may choose any dentist butmay receive additional savings by choosing an in-network dentist. Plus, services not covered by this planmay also still be eligible for in-network savings. Out-of-network benefits are paid at the network negotiatedrate.NetworkWWW.COLONIALLIFEDENTAL.COM 888.400.93045

EMPLOYEE CONTRIBUTIONS (BI-WEEKLY)Employee$21.47Employer and Spouse$40.56Employee and Child(ren)$50.87Employee and Family$75.32www.elitebenefitsgroup.comPreventive services (Class A)No waiting periodCOVEREDPROCEDURES &WAITING PERIODSMajor services (Class C) 12 Month Waiting PeriodBasic services (Class B) No waiting period6• Routine exams and cleanings‐ Two per 12-month period‐ One additional cleaning per 12 months if memberis in second or third trimester of pregnancy.• X-rays (bitewing x-rays)‐ Up to four films, once every 12months• Full mouth/panoramic x-rays‐ Once every five years• Fluoride treatment‐ Up to age 16, once every 12 months• Sealants‐ Up to age 16, once every 36 months• Space maintainers‐ Up to age 16, once every 24 months• Oral cancer screening‐ For age 40+, once every 12 months• Fillings• Posterior composite restorations• Simple extractions• Repair of crowns, dentures or bridges• Periodontics (gum treatments)• Endodontics (root canals)• Emergency treatment• Oral surgery (surgical extractions and impacted teeth)• Anesthesia (covered with complex oral surgery)• Inlays and onlays• Crowns, bridges, dentures and endostealimplants• Crown lengthening

Vision rider helps pay for eye exams and materials, such as glasses and contact lenses. This coverage can help youmaintain healthy vision and overall wellness, as well as provide valuable financial protection for you, your spouse anddependent children.www.elitebenefitsgroup.comVISION BENEFITSCOPAYSIN NETWORKOUT OF NETWORK ALLOWENCE Exam (once per 12 months)$10Up to $35 Materials$25See belowSTANDARD PLASTIC LENSES (once per 12 months) Single VisionCovered by co-payUp to $25 BiofocalCovered by co-payUp to $40 TrifocalCovered by co-payUp to $50 Lenticular$80 allowanceUp to $50 Progressive$70 allowanceUp to $40 Polycarbonate lenses (for children to age 19)Covered by co-payN/AFRAMES Choose any frame available at provider locations$120 allowanceUp to $50CONTACT LENSES (once per 12 months) (Includes fit, follow-up and materials in lieu of eyeglass lenses and frames) ElectiveUp to $120 allowanceUp to $100 allowance Medically NecessaryUp to $210 allowanceUp to $210 allowance EMPLOYEE CONTRIBUTION (BI-WEEKLY) Employee only$2.88 Employee and Spouse$5.70 Employee and Child (ren)$6.00 Employee and Family$9.39Vision Rider can not be purchased separately.VISIONFirst Look Network7WWW.COLONIALLIFEDENTAL.COM 888.400.9304

www.elitebenefitsgroup.comAllstate Benefits (PHCS Network)Vision/Dental Plan Supplemental Benefits through Colonial LifeBENEFITS & ELIGIBILITYAs an employee of Buff Bunny you have access to the following benefits for the Plan Year August 15, 2024 – August 14, 2025:Core Plan Benefits Offered:Legal Spouse. Children up to age 26, regardless of student status or marital status, including natural children, stepchildren, and legally adopted children (including children living with you before the adoption is final) who are your dependents or for whom you are required to provide health care coverage under a Qualified Medical Child Support Order. WHO IS ELIGIBILE AND WHENAll active full-time Employees, who work at least 40 hours per week. Employee benefits are effective the first of the month following 60 days of active employment.ELIGIBLE DEPENDENTSYou may enroll your eligible dependents in coverage. They include:If you need to change your coverage throughout theyear, you may only do so if you experience an eligiblechange in status/life event, such as:Birth/AdoptionChange in Insurance Coverage, Address,Employment StatusDeath in the FamilyDependent Child Reaches Limiting AgeDivorce/AnnulmentFMLA-Related LeaveLegal Separation/MarriageSpouse Loss of Other CoverageEnrollment in MarketplaceCHANGING YOUR COVERAGEDURING THE YEARYou must make changes to your benefit coverage within 30 days of an eligible change in status/life event.WHAT HAPPENS IF I DON’T ENROLL? If you do not enroll in the benefits program, you will automatically receive “default” coverage, which is:No Coverage.If later on you decide to enroll in benefits, you may be subject to benefit waiting periods, require evidence of insurability, and/or be required to wait until the next Annual Enrollment.8

CONTACT INFORMATIONHEALTHDENTAL / VISIONCOLONIAL LIFEHUMAN RESOURCESELITE BENEFITS GROUP713-575-3722sara@elitebenefitsgroup.comThe information in this Enrollment Guide is intended for illustrative purposes and informational purposes only. The information contained herein was taken from various summary plan descriptions, certificates of coverage and benefit information. Every effort was taken to accurately report your benefits however discrepancies and errors are always possible. It is not intended to alter or expand rights or liabilities set forth in the official plan documents or contracts. It is not an offer to contract nor are there any express or implied guarantees. In case of a discrepancy between this information and the actual plan documents, the actual plan documents will prevail. If you have any questions about this summary, please contact Human Resources or Elite Benefits Group9www.multiplan.com800-256-2680www.colonialLifeDental.com888-400-9304www.colonialLife.com888-235-4368Cheryl Belbercheryl@buffbunny.comHow to Find a PHCS Network Provider: It’s easy. Point your browser to www.multiplan.com and follow these steps:1. Click on “Find a Provider” at the top of the page.2. After acknowledging you have read the disclaimer at the bottom of the screen, click on the green “Select Network” button.3. Choose “PHCS,” then “I don’t see any of these statements,” and “Front” for where the logo is placed on your card.4. Enter one of the search criteria suggested in the search box to begin your search.