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EMPLOYEE BENEFITSGUIDE2023-2024An overview of the wide array of benefits provided byCuri to help you enjoy increased well-being and financial security.

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits GuideAs an employee of Curi, 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 2023-2024 plan year, Curi 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 employees healthy and secure. We understand that your situation is unique, and Curi 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 Curi 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.2023-2024CuriINTRODUCTIONEligibility & 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 Date of Hire Medical, Dental and Vision Benefits EndEnd of month following last day of employment All Other Benefits End End on last day of employment2023-2024 Open EnrollmentMay 1 – May 15, 2023Benefits effective June 1, 2023 – May 31, 2024

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 Guide2023-2024CuriSummary of PlanCoverage Provided by Blue Cross of NCBenefit Period Plan Year: 6/1 – 5/31Deductibles (Individual / Family) $3,500/$7,000Out-of-Pocket Max (Individual / Family) $7,000/$14,000Preventive Care Covered at 100%Primary Care Visit $25 Copay1Specialist Visit $50 CopayTelehealth via Teladoc $10 CopayUrgent Care $50 CopayEmergency Room $500 CopayOutpatient Procedure 20% after deductibleInpatient Visit 20% after deductiblePrescription DrugsEssential 5 Tier Broad Network Formulary$10 Copay$25 Copay$40 Copay$80 Copay25% up to $200 max per 30 day supplyMEDICALThe chart below is an overview of the In-Network benefits. Out-of-Network benefits are available; please review your BCBSNC plan documents for additional details.1$0 copay for the first 3 in-network primary care office visits when you select a Primary Care Provider (PCP) on www.bcbsnc.com.

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 Guide2023-2024CuriCuri has set up an HRA to help offset the out-of-pocket medical expenses incurred by our enrolled members. How Does an HRA Work?• Employees enrolled in the Curi medical plan are eligible to utilize the HRA. • The HRA is funded by Curi. • The HRA will reimburse covered in-network medical and pharmacy expenses based on the schedule below. • The HRA will not reimburse non-covered, out-of-network, dental or vision claims.HEALTH REIMBURSEMENT ACCOUNT (HRA)Employee Responsibility First Curi Reimburses Next Employee Responsible Last Individual $1 - $1,500 $1,501 - $3,500 $3,501 - $7,000Family $1 - $3,000 $3,001 - $7,000 $7,001 - $14,000Filing a ClaimOnly eligible expenses can be reimbursed under your HRA. Once you meet the thresholds above then you can submit for reimbursement through Flores & Associates website: www.flores247.com. Claims must be filed by July 31 for services incurred during the prior plan year. Refer to your HRA documentation for more information.Pricing Per Pay PeriodEmployee $57.69Employee + Spouse $230.77Employee + Child(ren) $196.15Employee + Family $334.62Your Medical Plan 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 Guide2023-2024CuriWellness 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 plan offered by Curi, 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 CAREAMAZON PHARMACYBlue Cross NC now offers access to Amazon Pharmacy for your mail order needs. This includes Meds Your Way, a discount card that provides additional savings through Amazon Pharmacy. At check out you’ll see the lowest cost available for your prescription. Sign up and learn more at: www.amazon.com/bluecrossnc.

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 GuideEmployees and dependents enrolled in our medical plan have access to telemedicine through Teladoc. Telehealth provides acute and behavioral care 24 hours a day via phone or video by board-certified doctors and behavioral health specialist. 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. Telehealth through Teledoc has a $10 copay.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?There are 3 ways to access Teladoc:• Download the Teladoc mobile app• Go to Teladoc.com and click “Log in/Register”• Call 1-800-835-2362Refer to your plan documentation for more information.TELEHEALTH2023-2024CuriWhat 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 Guide2023-2024CuriThis Is How An FSA Works:• You set aside money for your FSA from your paycheck before taxes are taken out.• You then use your pre-tax FSA funds throughout the plan year to pay for eligible health care or dependent care expenses.• You save money on expenses you're already paying for.Health Care FSAOur plan through Flores & Associates has a 2023-24 plan year maximum of$3,050. The full amount you elect is available at the start of the plan year on June 1. Our plan offers a carry over up to $610 of unused funds to the following year. If you don’t use it, you lose it. Any funds over the carry over limit will be forfeited. Eligible Expenses• Medical expenses: copays, coinsurance and deductibles• Dental expenses: exams, cleanings, X-rays and braces• Vision expenses: exams, contact lenses, eyeglasses and laser eye surgery• Professional services: physical therapy, chiropractic and acupuncture• Prescription drugs and insulin• Over-the-counter health care items such as bandages, pregnancy tests and blood pressure monitorsDependent Care FSAThe maximum you can contribute to a dependent care FSA is $5,000 annually. If you are married and filling separately then the maximum is $2,500. Funds are available only after they are deducted from your paycheck.Dependent Care FSA Eligible Expenses• Care for your child who is under the age of 13• Before-school and after-school care• Babysitting and nanny expenses• Day care, nursery school and preschool• Summer day camp• Care for a relative who is physically or mentally incapable of self-care and lives in your homeRefer to your FSA documentation for more information. FLEXIBLE SPENDING ACCOUNT (FSA)

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 Guide2023-2024CuriSummary of CoverageCoverage Provided by Delta Dental In-NetworkPlan Year Deductibles(Individual / Family)$50/$150Diagnostic & Preventive Care(exams, cleanings, sealants, etc,)100%Basic Procedures (extractions, endodontics, periodontics, fillings, etc.)80% after deductibleMajor Procedures(crowns, dentures, etc.)50% after deductibleChild Orthodontics (up to age 19)50%$1,500 lifetime maximumCalendar Year Maximum Benefit$2,000 (preventive and diagnostic services do not count towards your annual maximum)DENTALBelow 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 $0Employee + Spouse $21.92Employee + Children $28.85Employee + Family $43.85Your 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 Guide2023-2024CuriSummary of CoverageCoverage provided by Blue 20/20 In-NetworkVision Exam (Once per plan year) $10 CopayLenses (once per plan year) $25 CopayFrames (Once every year) $150 Allowance + discount over the allowanceElective Contact Lenses in leu of lenses $150 AllowanceMedically Necessary Contact Lenses $0 CopayVISIONOur vision coverage is provided by Blue 20/20. Please review your plan documents for additional details.Vision enhancement for 2023 – 2024 plan year – You can now purchase new frames every year!Pricing Per Pay PeriodEmployee $0Employee + Spouse $2.73Employee + Child(ren) $3.04Employee + Family $5.89Your 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 Guide2023-2024CuriSummary of CoverageCoverage provided by The HarfordPlan FeaturesEmployee Benefit Amount 3 x Annual Base SalaryMaximum Benefit Amount $500,000AD&D Benefit $500,000Benefit Reductions begin at age Age 70 – 35%; Age 75 – 75% of original amountGroup life insurance coverage is an employer-sponsored safety net in case the worst happens, with no out-of-pocket costs to you. If you believe you need additional coverage, you may wish to enroll in voluntary life insurance as well. Employees must fill out an EOI form if they exceed the guaranteed issue amount or are a late entrant.GROUP LIFE and AD&D INSURANCESummary of CoverageLife Benefit Employee Spouse DependentAmount Increments of $10,000 Increments of $5,000 Increments of $2,000Minimum Amount $10,000 $5,0001 day to 6 months $1k, then elected amount to age 19Maximum AmountLesser of 5x annual salary or $500,000Up to the lesser of 100% of the employee benefit or $500,000$10,000Guarantee Issue (Newly Eligible Employees)$200,000 $25,000 $10,000Benefits Will Reduce ByAge 70 – 35%Age 75 – 50%Age 70 – 35%Age 75 – 50%N/AVOLUNTARY 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 Guide2023-2024CuriSummary of CoverageCoverage provided by The HartfordPlan Features Short Term Long TermCoverage Paid By Curi CuriTaxationEmployees pay the taxes on the premium so the benefit is not taxableBenefit is taxableEmployee Benefit Amount 70% of your salary 60% of your salaryMaximum Benefit Amount $2,500 per week $15,000 per monthElimination Period 7 days 90 daysBenefit Duration Up to 12 weeksUp to social security normal retirement agePre-Ex NA 3/12*Disability insurance is coverage that provides you with income protection should you be unable to work due to an injury or illness. With disability coverage, you are compensated for a portion of your lost income. Short-Term disability provides coverage in the near term, while Long-Term coverage is available for extended disabilities. DISABILITY INSURANCELONG-TERM CARE INSURANCECuri provides long-term care insurance for eligible employees. The Core plan coverage has a monthly benefit of $1,500 with a total coverage maximum of $36,000. You have the option to increase your coverage through purchasing a buy-up plan. For more information please call 1-800-416-3624, option 3 or visit www.genworth.com/MMI. *If you file a claim within the first 12 months the policy is in effect, the insurance company will look back 3 months before the policy took effect to see if it was caused by a pre-existing condition.

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 Guide2023-2024CuriVoluntary Benefits are offered to assist employee's personal insurance needs. These programs are designed to fill the gaps in coverage such as your deductibles and co-insurance under your major medical. Curi will contribute up to $50 per month to use towards the purchase of the following benefits: hospital indemnity, critical illness or accident insurance.ADDITIONAL BENEFITSHospital Indemnity Provides a benefit for hospital admission and confinement for an illness or injury. The benefit is paid directly to you and can be used however you need. Coverage can be purchased for employee and dependents. This plan includes a $50 annual wellness incentive per covered member. Critical Illness*Pays a lump sum benefit should a covered family member experience a heart attack, stroke or other covered serious illnesses. You can choose between a $10,000 and $20,000 benefit, with the option to cover your spouse and children. Evidence of Insurability is required if enrolling after your first eligible. This plan includes a $50 annual wellness incentive per covered member. *Premium varies by age and benefit amount and dependents covered; see rates in the plan summary or on MyCuri.AccidentPays a lump sum benefit if you or a covered family member experience an accident. Coverage can be purchased for employee and dependents. Treatment must begin within 90 days of the accident; see plan booklet for details. This plan includes a $50 annual wellness incentive per covered member. Pricing Per Pay Period Hospital Indemnity AccidentEmployee $13.41 $6.29Employee + Spouse $27.25 $9.91Employee + Child(ren) $22.58 $10.54Employee + Family $37.94 $16.57Your 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 Guide2023-2024CuriLegalCuri offers the option to enroll in MetLaw Legal Plan with Identity Theft and Credit Monitoring. Free and discounted legal care for divorce, traffic ticket defense, document review, etc. This benefit includes free tax return preparation and identity theft solutions. The cost of this plan is $10.05 bi-weekly.401(k) Retirement PlanCuri’s 401(k) retirement plan is designed to help employees save for a financially secure future. You are eligible to participate in the plan on the first day of the month following your date of hire. You may contribute up to 50% of your salary, not to exceed the IRS limits. The contribution is made pre-tax. Curi will match 100% of the first 3% of the contribution. You may choose to direct your contributions to a traditional 401(k) or a Roth 401(k) or both. You can make or change your elections online at www.netbenefits.fidelity.com.Employee Well-Being Curi is committed to being your partner in your overall well-being. That is why we offer many programs geared toward improving your physical, mental, and financial well-being. They include:• Extended lunch break for physical activity• Quarterly incentives for physical activity• Wellness initiatives and incentives in partnership with BCBS • Social and philanthropic opportunitiesEmergency Loan ProgramCuri offers an interest free emergency loan up to $2,500.00 available to assist with specific hardship needs. Loans are repaid through payroll deduction over a period of time, not to exceed 24 months. Documentation is required, and this confidential loan is only seen by HR/Payroll. Please note that you must be an employee for 90 days to be eligible, and only 1 loan per 24-month period can be approved. Please see the Employee handbook for more information. ADDITIONAL BENEFITS

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023-2024CuriEmployee Assistance ProgramThe Employee Assistance Program (EAP) provides assistance to full and part time employees and their dependents on a variety of issues, including: • Relationship, financial and legal counseling• Mental health counseling including depression and anxiety• Work/life balance resources• Family assistance including help finding childcare or elder careEmployees can take advantage of this resource with the full confidence that all information discussed with The Hartford will be kept confidential. Computer Purchase/Loan ProgramCuri offers a one-time reimbursement of up to $250.00 along with an interest-free salary advance of up to $2,250.00 with a maximum 24-month payback schedule for the purchase or upgrade of personal computer equipment and accessories. An employee may receive only one computer purchase program/loan in a 24-month period. You must be employed for at least 90 days to be eligible for this program. Please see the Employee Handbook for more information.Employee Referral Bonus ProgramFull and part time employees are eligible for a one-time referral bonus should you refer qualified candidates who are subsequently hired to fulfill staffing requirements. The referral bonus schedule is as follows:• $500.00 for a regular, full time exempt position• $250.00 for regular, full time non-exempt positionThis bonus will be rewarded via payroll and only after the candidate is hired and successfully completes the required 90-day probationary period.ADDITIONAL BENEFITS

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023-2024CuriParental Leave PlanCuri provides Company-sponsored parental leave to regular full-time and regular part-time employees who meet the eligibility requirements. The parental leave runs concurrent with the Short-Term Disability leave administered by The Hartford, if applicable, and provides 11 weeks of paid time off (not to exceed 100% of pay from all combined sources) following the birth of an employee's child, or the qualifying placement of a child in connection with adoption or foster care. Curi maintains all benefits for the employee while on Parental Leave. Paid leave under the parental leave benefit runs concurrently, not in addition to, Family and Medical Leave Act (FMLA) leave. Parental Leave benefits can be accessed once per rolling 12-month period. For additional information about Parental Leave, contact Human Resources. Employees become eligible for parental leave benefits once they have completed 12-months of cumulative service with the company.Family Medical Leave Act (FMLA) FMLA is administered by The Hartford. FMLA entitles you to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave. Those who qualify are entitled to:• Twelve work weeks of leave in a 12-month period for:• the birth of a child and to care for the newborn child within one year of birth;• the placement with the employee of a child for adoption or foster care and to care for the newly placed child within one year of placement;• to care for the employee’s spouse, child, or parent who has a serious health condition;• a serious health condition that makes the employee unable to perform the essential functions of his or her job;• any qualifying exigency or urgent event arising out of the fact that the employee’s spouse, son, daughter, or parent is a covered military member on “covered active duty;” or• Twenty-six work weeks of leave during a single 12-month period to care for a covered service member with a serious injury or illness if the eligible employee is the service member’s spouse, son, daughter, parent, or next of kin (military caregiver leave)ADDITIONAL BENEFITS

This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations and exclusions set forth in each insurance carrier's or provider's contract.Employee Benefits Guide2023-2024CuriCarrier ResourcesBENEFIT CARRIER GROUP # PHONE NUMBER WEBSITEMedical BCBSNC 141618321-877-258-3334www.bluecrossnc.comDental Delta Dental 10559 1-800-662-8856 www.deltadentalnc.comVision Blue 20/201-855-400-3641www.eyemedvisioncare.com/bcbsncLife Hartford 8963041-888-301-5615www.Thehartford.com/benefits/myclaimDisability Hartford 896304 1-888-301-5615https://abilityadvantage.thehartford.comEAP HartfordHLF902/ABILI1-800-964-3577www.guidanceresources.comFSAFlores & Associates1-800-532-3327www.flores247.comHRAFlores & Associates1-800-532-3327www.flores247.comLong Term Care Genworth 47486NC1-888-416-3624www.genworth.com/MMIRetirement Fidelity 54694 1-800-421-3844 www.Netbenefits.fidelity.comWorksite Plans Hartford 8963041-469-417-1952www.Thehartford.com/benefits/myclaimLegal Metlife1-800-821-6400www.info.legalplans.comHow to Access ID CardsBENEFIT CARRIER HOW TO ACCESSMedical BCBSNCWill receive an ID Card in the mail. Can also access through the portal: www.blueconnectnc.comOr Mobile App.Dental Delta DentalWill receive an ID Card in the mail. Can also access through the portal: www.memberportal.comOr Mobile App.Vision Blue 20/20 No ID Card needed.

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 Guide2023-2024CuriThis page was intentionally left blank.

EMPLOYEE BENEFITS GUIDEPrepared By Sentinel Benefits Consulting | sentinelra.comSentinel Benefits Consulting partners with Curi on your medical, dental, and vision plans. All information in this booklet was approved for distribution by Curi. For questions regarding your benefits please see Human Resources.2023-2024Curi