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

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologyAs an employee of Cross Technology, enjoying your work and making valuable contributions to business are equally vital. The health, satisfaction and security of you and your family are important, not only to your well-being, but ultimately, in terms of achieving the goals of our organization.For the 2025 – 2026 plan year, Cross Technology has worked hard to offer a competitive total rewards package that includes valuable and competitive benefit plans. These programs reflect our commitment to keeping our staff healthy and secure. We understand that your situation is unique, and Cross Technology is offering an overall benefits package that can be shaped and molded by you to fit your needs.This benefits booklet is a summary description of your Cross Technology benefit plans. If there is a discrepancy between these summaries and the written legal plan documents, the plan documents shall prevail. This booklet and plan summaries do not constitute a contract of employment.We hope this benefits booklet, along with our additional communication and decision-making tools, will help you make the best health care choices for you and your family.INTRODUCTIONEligibility & EnrollmentAs a full-time employee working 30+ hours/week you are eligible for benefits. You can enroll or make changes during our annual enrollment period or within 30 days if you experience a qualifying life event during the year. A Qualifying Life Event includes changes in marital status, employment status, birth or adoption of a child, death of a dependent, entitlement to Medicaid or Medicare, loss of other coverage or eligibility of dependents.Benefits Begin Next day following 90 days of full-time employmentBenefits End Last day of employmentDependents Your legal spouse and dependents up to age 26Domestic Partners Not covered

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologyCoverage Provided by AetnaIn-Network Out-of-NetworkBenefit Period Plan Year: 5/1 – 4/30Deductibles (Individual / Family)$5,000/$10,000 $10,000/$30,000Out-of-Pocket Max (Individual / Family)$7,750/$15,500 $25,000/$75,000Preventive Care Covered in full 50% after deductiblePrimary Care Visit $40 Copay 50% after deductibleSpecialist Visit $80 Copay 50% after deductibleTelehealth via CVS Health Virtual CareCovered in full Benefits not availableUrgent Care $75 Copay 50% after deductibleEmergency Room$300 Copay after deductible, then 20%$300 Copay after deductible, then 20%Outpatient Procedure 20% after deductible 50% after deductibleInpatient Visit 20% after deductible 50% after deductiblePharmacy / RX (30 Day Supply)Tiers 1-5Advanced Control Formulary$3/$10/$50/$80/20%*/40%***max $250**max $500Advanced Control Formulary50%*Specialty Drugs are only covered through an in-network pharmacyMEDICALThe chart below is an overview of the In-Network and Out-of-Network benefits. Please review your Aetna plan documents for additional details.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologyWellness and Health ManagementUnderstanding the full value of covered benefits allows you to take responsibility for maintaining good health and incorporating healthy habits into your lifestyle. Some examples include getting regular physical examinations, mammograms and immunizations. Through the plans offered by Cross Technology, all covered individuals and family members are eligible to receive routine wellness services like these, at no cost; all copays, coinsurance, and deductibles are waived.Which Preventive Care Services Are Covered?The US Preventive Services Task Force maintains a regular list of recommended services that all Affordable Care Act (i.e., Health Care Reform) compliant insurance plans should cover at 100% for in-network providers. Below is a list of common services that are included in the plans offered this year:• Routine physical exam• Well baby and childcare• Well women visits• Immunizations• Routine bone density test• Routine breast exam• Routine gynecological exam• Screening for Gestational diabetes• Obesity screening and counseling• Routine digital rectal exam• Routine colonoscopy• Routine colorectal cancer screening• Routine prostate test• Routine lab procedures• Routine mammograms• Routine pap smear• Smoking cessation• Health education/counseling services• Health counseling for STDs and HIV • Testing for HPV and HIV• Screening/counseling for domestic violencePREVENTIVE CAREPricing Per Pay PeriodEmployee$35.00Employee + Spouse$171.11Employee + Child(ren)$150.69Employee + Family$320.83Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologyEmployees and dependents enrolled in our medical plan have access to telemedicine through CVS Health Virtual Care. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialists. Telehealth is a good option for minor health problems when you can’t see your regular doctor. It is also a convenient choice when you want to speak to a counselor or therapist. Some providers will also offer telehealth appointments. Check with your provider on the availability and cost.How Does Telehealth Work?Your virtual visit will take place via phone, video call on a laptop, tablet or cellphone; or through an app. The provider will ask you the same questions you'd be asked at an in-person visit and may recommend treatment based on their findings.What Can’t Telehealth Be Used For?• Life-threatening or emergency situations • Situations in which diagnostic care (e.g., blood work, imaging or lab tests) are required• Situations of severe illness or complex conditionsHow Do I Access Telehealth? Log in to cvs.com/virtual-care to access CVS Health Virtual Care from a computer or mobile device.Refer to your plan documentation for more information.TELEHEALTHWhat Can Telemedicine Be Used For?General, non-life-threatening doctor's visits or consultations for acute care, such as:• Allergies• Cough, cold and flu• Diarrhea, nausea and vomiting• Ear problems• Insect bites• Sinus problems• Urinary problems• And moreBehavioral health issues such as:• Addictions• Anxiety• Depression• Grief and loss• Relationship issues• And more

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologySeeking medical care when an acute situation arises can be stressful. Knowing your options can save you time and money. Where When WhyPrimary Care$Routine check-ups and screenings, preventive care, non-urgent treatment, chronic disease managementEstablishing a PCP is important for your overall wellbeingVirtual Visits$Allergies, cold, cough, flu, fever, sore throat, ear problems, diarrhea, pink eye, sinus infections, insect bites, behavioral healthAvailable 24 hours, 7 days a weekConvenience Care$$Ear infections, sore throat, bronchitis, pink eye, rashes, flu shots, vaccines, screeningsWhen you can’t get into your doctor's officeUrgent Care$$Sprains and strains, small cuts, common infections, flu, fever, vomiting, sports injuries, insect bitesAfter Hours CareEmergency Room$$$Uncontrolled bleeding, shortness of breath, chest pains, stroke symptoms, major burns, head injuries, unconsciousness, poisoning, broken bonesLife Threatening EmergencyThis grid offers a general guide for seeking care. If you believe you are experiencing a medical emergency, go to your nearest emergency room or call 911.If you have questions about our benefits, please contact Human Resources.

No-cost or lower-cost access*to MinuteClinic®Get care 7 days a week, including evenings, so youcan feel betterfasterChoose in-person and virtual care options to easily access care your wayThe care you need — in person or virtuallyWith your included MinuteClinic® benefit in your plan, healthier happens together. You get more options for where and when you get care. Plus, it’s a lower-cost alternative to the emergency room or urgent care.MinuteClinic can helpyou:Treat a variety of conditions, illnesses and injuries• Asthma and allergies• Bronchitis and upper respiratory infections• Insect stings• Diabetes• Sore throats and ear infections• Minor cuts,blisters and wounds*Includes select MinuteClinic se rvices. Not all MinuteClinic services are covered. Please consult benefit documents to confirm which services are included.Members enrolled in qualified high-deductible health plans must meet their deductible before receiving covered non-preventive Minu teClinic servicesat no cost-share. However, such services are covered at negotiated contract rates. This benefit is not available in all states and on indemnity plans.Aetna.com1315500-01-01 (12/22)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross Technology.Affordable care, one-stop convenience1,150+Find more than 1,150 MinuteClinic® locationsin 35 states and the District of Columbia.Get virtual care*. At home or wherever you are, there’s someone here tohelp.$0$0 copay for members in copay-based plans. Members with high-deductible health plans pay a discounted rate. After the deductible is met, there’s no charge.Book an appointment online or via our kioskswithin CVS® store locations.Get women’s health care, including prescriptions for birth control and other medications, when medically appropriate.Learn more aboutyour MinuteClinic® benefit.Get started*Services and appointment availability may vary by location. For virtual care: Services and appointment availability may vary by location. Services not yet available in AL and MS.Aetna® is the brand name used for products and services provided by one or more of the Aetna group ofcompanies, including Aetna Life Insurance Company and its affiliates (Aetna).Aetna and MinuteClinic, LLC (which either operates or provides certain management support services toMinuteClinic-branded walk-in clinics) are both within the CVS Health® family. Aetna is not responsible orliable in any manner for services received at MinuteClinic locations. Refer to Aetna.com for moreinformation about Aetna plans.This is for informational purposes only. It is not medical advice and is not intended to be a substitute forproper medical care provided by a physician. Information is believed to be accurate as of the productiondate; however, it is subject to change. Includes access to all covered services at MinuteClinic.Includes covered MinuteClinic medical services that are provided and billed by MinuteClinic. Examples ofservices not subject to this reduced member cost sharing include laboratory tests sent out to a thirdparty, services not covered by insurance (sports physicals, travel services, etc.) and mental healthservices. Please consult benefit documents to confirm which services are included.Aetna.com©2022 Aetna Inc.1315500-01-01 (12/22)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologySummary of CoverageCoverage Provided by Aetna In-NetworkAnnual Deductibles(Individual / Family)$0 / $0Preventive Care Covered in fullBasic Procedures (extractions, fillings, etc.)Your responsibility: 20%Major Procedures(crowns, dentures, etc.)Your responsibility: 50%Child Orthodontics Benefits not availablePlan Year Maximum Benefit $1,500DENTALBelow is a high-level summary of our dental benefits. While Out-of-Network coverage is available, using an In-Network provider will result in less out of pocket expenses. In-Network dentist cannot balance bill you for the amount over the allowable charges. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee$7.27Employee + Spouse$13.89Employee + Child(ren)$18.12Employee + Family$24.74Your Cost

Aetna® virtual dental care through Dental.com 365 days a yearAn integrated experience designed to provide dental care with specific product recommendationsAdvanced technology puts your oral health in focus — from anywhereNow you can use the power of artificial intelligence (AI) to stay on top of your dental health and get the care you need.Through our collaboration with Dental.com, you can use SmartScantechnology to scan and submit photos of your mouth and teeth. This special technology can find issues like cavities, gum disease, plaque, a cracked tooth and more.You’ll then get a personalized wellness report and exclusive access to oral health product recommendations to specifically address the issues found. Members may receive a 20% discount* on most recommended products, such as Listerine mouthwash, specialty toothpastes and much more.To find out more about these special services, scan the code or visit Dental.com/Aetna.Other virtual services to keep you healthyPlus, you’ll have access to other virtual care services. You can easily connect with a licensed dentist who can prescribe medication, treat toothaches, infections and other dental emergencies. Or provide a second opinion, if needed.*FOR 20% DISCOUNT OFFER: Most recommended products have access to the AETNA20 discount via online purchase. Offer available online only. CVS® and Aetna® are part of the CVS Health® family of companies. Aetna members can receive 20% off select CVS Health oral health products and Listerine® products by entering code AETNA20 at checkout. This promotion can be combined with another product sale running at the same time. Savings are not transferable. No cash back. Tax charged on pre-coupon price where required. Tax and shipping charges are not applicable towards your order total. Free 1-to-4-day shipping applies to a nonprescription order that totals $35 or more after all discounts have been applied. Learn more about 1-to-4-day shipping. CVS Pharmacy® reserves the right to make changes to or terminate this offer at any time.Aetna.c om3575850-01-01 (7/24)

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologySummary of CoverageCoverage provided by AetnaEyeMed Vision CareIn-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year)Single $20 CopayBifocal $20 CopayTrifocal $20 CopayFrames (Once every 2 years) $160 Allowance; 20% off amount over $160Elective Contact Lenses $160 Allowance; 15% off amount over $160Medically Necessary Contact Lenses $0 CopayVISIONOur vision coverage is provided by Aetna. Please review your plan documents for additional details.Pricing Per Pay PeriodEmployee$1.65Employee + Spouse$3.15Employee + Child(ren)$3.31Employee + Family$4.87Your Cost

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologySummary of CoverageCoverage provided by MetLifePlan FeaturesEmployee Benefit Amount $20,000Maximum Benefit Amount $20,000AD&D Benefit $20,000Benefit Reductions begin at age 65Group life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. GROUP LIFE and AD&D INSURANCE

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologyVoluntary Benefits are offered to assist employee's personal insurance needs. These Aflac programs are designed to fill the gaps in coverage such as your deductibles and coinsurance under your major medical. Please refer to the policy document for a detailed outline of coverage as well as limitations and exclusions under these plans. WORKSITE BENEFITSAccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents.Cancer ProtectionAflac Cancer Protection Assurance can help with cancer-associated costs. It helps support you through the physical, emotional, and financial costs of cancer and stays with you for life.Critical IllnessPays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses.Hospital Confinement Indemnity InsuranceAflac Choice offers our best selection of hospital-related benefits to help with the expenses not covered by major medical, which can help prevent high deductibles and out-of-pocket expenses from derailing your life plans. Why Aflac Choice may be the right policy for you:• It’s customizable. You choose the plan that’s right for you based on your specific needs. • Guaranteed-issue options available which means there is no medical questionnaire required.• We pay cash directly to you (unless otherwise assigned), not the doctor or hospital.Short-Term DisabilityShort-Term Disability coverage provides a monthly income to help with the expenses of daily life should you be come disabled. Why Aflac Short-Term Disability may be the best choice for you:• It’s sold on an individual basis. You choose the plan that’s right for you based on your financial needs and income.• We offer the option of guaranteed-issue, short-term disability coverage. That means no medical questionnaire is required.• We pay you a cash benefit for each day you are disabled.Whole Life Insurance• If you’re age 50 or under, you may apply for up to $500,000 in coverage.• If you’re between the ages of 51 and 70, you may be eligible for up to $200,000 in life insurance protection.• Aflac also offers the option of guaranteed-issue whole life coverage with a face amount of up to $50,000. That means you do not have to complete a medical questionnaire.

Employee Navigator Enrollment InstructionsENROLL IN YOUR BENEFITS: One step at atimeStep 1: Log InGo to www.employeenavigator.com and click Login• Returning users: Log in with the username and password you selected. Click Reset a forgotten password.• First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account and create your own username and password.Step 2: Welcome!After you login click Let’s Begin to complete your required tasks.Step 4: Start EnrollmentsAfter clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections.TIPHave dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.Step 3: Onboarding (For first time users, if applicable) Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.TIPif you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”

Step 8: HR Tasks (if applicable)To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!You can login to review your benefits 24/7Step 7: Review & Confirm ElectionsReview the benefits you selected on the enrollment summary pageto make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.TIPIf you miss a step, you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.Click Save & Continue at the bottom of each screen to save your elections.If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.Step 6: FormsIf you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.Step 5: Benefit ElectionsTo enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling?Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.Employee Navigator Enrollment Instructions

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2025 - 2026 Cross TechnologyCarrier ResourcesBENEFIT CARRIER PHONE NUMBER WEBSITEMedicalAetna888-206-4697https://www. aetna.comDental 800-305-6638Vision 855-400-3641TelehealthCVS Health Virtual Care877-993-4321www.cvs.com/virtual-care Group Life InsuranceMetLifeGroup #6512804866-492-6983 https://www.metlife.com/ AccidentAflac 800-992-3522 https://www.aflac.com/ Cancer ProtectionCritical IllnessHospital ConfinementShort-Term DisabilityWhole Life InsuranceHow to access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical & Dental AetnaHard copy ID cards are issued and mailed to your home address.Electronic copies can be accessed via https://www.aetna.com

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

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

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

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.com2025 - 2026Cross Technology