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2024 2025 A GUIDE TO YOUR BENEFITS XYZ Company Sample Benefit Guide 1

HOW TO ENROLL You will be able to complete your enrollment by following the steps listed below ENROLLMENT OPTIONS 01 You can enroll independently through our online Enrollment Platform Login instructions are included on the next page 2

________X__Y__Z___C__o_m___p_a__n__y_______ EMPLOYEE BENEFITS HOW TO LOGIN Below are the instructions for how to login both with and without an email address How to login with email Go to https www Employee default logins Username email address Password Select the forgot password option if you do not remember or have not set one up before OR How to login without email https www Employee code logins 2 digit code 2 digit birth month Example March 03 4 digit code last 4 of social Employer code ____0_0_0_a_1_b___ 3

_X_Y_Z Company_______________________________ __ XYZ Company thrives on balance balancing professional and personal worlds balancing work and rest while always balancing cost and value We also understand that balance must be individualized What is right for one person may not be appropriate for another It is our goal to offer choices allowing you to tailor your benefits plan specifically to what is best for you and your family members Your Choices XYZ Company Provides a complete package of benefits aimed at providing flexible insurance protection and programs to meet your ever changing needs XYZ Company shares the cost of some benefits with you while making additional benefits available that you pay for if you choose to enroll The part of the benefit costs that you are responsible for will be automatically deducted from your paycheck either before or after your taxes are calculated Benefit Health Insurance Dental Insurance Vision Insurance Critical Illness Accident Voluntary Life Insurance Short Term Disability Insurance Long Term Disability Insurance Pre Tax or Post Tax Pre Tax Who pays the cost Employer Shared Pre Tax Pre Tax Post Tax Employee Employee Employee Post Tax Employee Post Tax Employee Post Tax Employee Why do I pay for some benefits with before tax money While not all benefits qualify for pre tax contribution there is a definite advantage to paying for those that do Taking the money out before your taxes are calculated lowers the amount of your taxable income Therefore you pay less in taxes How Your Benefits Work Full time employees are eligible for most benefits on ____th_e__fi_rs_t_o_f_t_h_e_m__o_n_th_f_o_ll_o_w_in__g_6_0_d_a__ys____ of hire Making Changes Generally you can only change your benefits choices during the annual Benefits Enrollment Period However you can change your benefits choices during the year if you have a life event change Life event changes include but are not limited to Marriage Divorce Birth adoption or placement for adoption of an eligible child Death of your spouse or covered child Change in you or your spouse s work status that results in cancellation of your benefits Becoming eligible for Medicare or Medicaid during the year If you have a life event change you must notify Human Resources within 31 days of the change for example a marriage or birth certificate If you do not notify Human Resources within 31 days you will have to wait until the next annual Open Enrollment period to make benefits changes unless you have another life event change Any changes you make to your benefit choices must be directly related to the life event change 4

Portability If you leave the company some of your benefits end and some of your benefits are portable This means you can take them with you if you leave as long as you continue to pay the premiums yourself Once terminated you will be notified through the mail if any of your benefits are portable When Coverage Ends Benefits end on the last day of the month following termination or when you cease to meet eligibility guidelines Continuing Your Coverage Under certain circumstances you may continue your health care coverage when it would otherwise end This is called _______C__o_b_ra________ Cobra State Continuation applies to these plans Health Insurance Dental Insurance Vision Insurance When can I continue coverage under _________C_ob_ra_________ You and or your dependents are eligible to continue health care coverage under __________C_o_b_r_a__________ If coverage is lost because Your employment ends for any reason other than gross misconduct Your work hours are significantly reduced You die You become entitled to and enroll in Medicare prior to losing coverage You divorce or become legally separated from your spouse Your dependent loses dependent status NOTES _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ _____________________ Looking ahead Now let s look at each benefit that makes up the XYZ Company benefits program In the following pages you ll learn more about the valuable benefits your employer offers You ll also see how choosing the right combination of benefits can help protect you and your family s health 5

Deductible Family Deductible Coinsurance Aetna Option 2 PPO In Out 3 000 6 000 6 000 18 000 100 50 Out Of Pocket 6 000 12 000 16 000 48 000 Office Visit Specialty Doctor Office Visit Inpatient Hospital Services Lab X Ray Advanced Imagining Urgent Care Emergency Room RX 35 Copay 75 Copay 100 After Ded 100 After Ded 100 After Ded 75 Copay 500 Copay 3 10 45 75 20 40 50 After Ded 50 After Ded 50 After Ded 50 After Ded 50 After Ded 50 After Ded As INN 50 After Ded Employee Only Employee Spouse Employee Child ren Employee Family Employees Semi Monthly Rates 104 33 581 68 421 11 878 37 Aetna Option 4 PPO In Out 3 500 7 000 7 000 21 000 80 50 6 500 13 000 17 000 51 000 35 Copay 50 After Ded 75 Copay 50 After Ded 80 After Ded 50 After Ded 80 After Ded 80 After Ded 75 Copay 500 Copay 3 10 50 80 20 40 50 After Ded 50 After Ded 50 After Ded As INN 50 After Ded Employees Semi Monthly Rates 78 55 514 79 368 06 785 93 6

Deductible Family Deductible Coinsurance Aetna Option 5 PPO In Out 5 000 10 000 10 000 30 000 100 50 Out Of Pocket 7 150 14 300 25 000 75 000 Office Visit Specialty Doctor Office Visit Inpatient Hospital Services Lab X Ray Advanced Imagining Urgent Care Emergency Room RX 35 Copay 75 Copay 100 After Ded 100 After Ded 100 After Ded 75 Copay 500 Copay 3 10 50 80 20 40 50 After Ded 50 After Ded 50 After Ded 50 After Ded 50 After Ded 50 After Ded As INN 50 After Ded Employee Only Employee Spouse Employee Child ren Employee Family Employees Semi Monthly Rates 71 67 496 95 353 90 761 27 Aetna Option 6 PPO H S A In Out 4 000 10 000 8 000 30 000 100 50 6 900 13 800 20 000 60 000 100 After Ded 50 After Ded 100 After Ded 50 After Ded 100 After Ded 50 After Ded 100 After Ded 100 After Ded 100 After Ded 500 Copay Ded 3 15 50 100 20 40 50 After Ded 50 After Ded 50 After Ded As INN 50 After Ded Employees Semi Monthly Rates 60 95 469 12 331 82 722 82 7

Glass Sorenson and McDavid Inc Unum DentalTM Dental Insurance can help you pay for dental exams cleanings and other services How does it work Good dental care is critical to your overall well being With Unum Dental insurance you can get the attention your teeth need at a cost you can afford Unum Dental allows you to see any dentist you choose To get the most from your benefits and reduce out ofpocket costs choose an in network provider by utilizing our large national network These providers have agreed to file your claims and uphold the highest quality standards You can find in network providers at unumdentalcare com Why is this coverage so valuable Routine dental care keeps your mouth and whole body healthy Your plan is backed by Unum s commitment to excellence in customer service Personalized website to manage your benefits including claims information ID cards and more There s no waiting period for preventive and basic services What else is included Pregnancy benefit An extra cleaning for expecting mothers in their 2nd or 3rd trimester Wellness benefits Oral cancer screenings for patients 40 and older with high risk factors Unumdentalcare com Use unumdentalcare com to search for providers manage your benefits and learn about good dental health Features include easy access to ID Cards claims history and coverage information Virtual Dental Visits 24 7 dental care for dental emergencies when an in person visit isn t an option Available for active dental members Visit unumdentalcare com and click Virtual Dental Visits to get started EN 2026 FOR EMPLOYEES 2 23 Virtual dental visits are a preventive service and subject to policy year benefit maximum Unum Dental Insurance

Coverage details and costs Overview Benefit Year Maximum Deductible Passive PPO 5 000 50 in network and out of network Maximum 3 per family Plan Coinsurance In network Out of Network Class A Preventive 100 100 Class B Basic 80 80 Class C Major 50 50 Class D Orthodontics 50 Applies to Class A B and C Services if applicable Waived for Class A applies to Class B and C Services 50 Dependent children Dependent age guidelines vary by state Please refer to your policy certificate or call our Contact Center at 888 400 9304 Services not listed If you expect to require a dental service not included on this brochure it may still be covered Please call our Contact Center at 888 400 9304 to confirm your exact benefits Alternate treatment Unum covers the least expensive most commonly used and accepted American Dental Association treatments Plan members may elect a more expensive treatment but will be responsible for the cost difference resulting from the more expensive procedure Dental Coverage Passive PPO Monthly cost You 37 26 You and your spouse 73 75 You and your children 95 87 Family Rates guaranteed for 12 months from the effective date 143 23 EN 2026 FOR EMPLOYEES 2 23 Unum Dental Insurance

Covered Procedures Waiting Periods Passive PPO CLASS A PREVENTIVE SERVICES Waiting Period None Routine exams 2 per 12 months Prophylaxis 2 per 12 months 1 additional cleaning or periodontal maintenance per 12 months if member is in 2nd or 3rd trimester of pregnancy Bitewing x rays maximum of 4 films 1 per 12 months Fluoride treatment for children up to age 16 1 per 12 months Sealants for children up to age 16 permanent molars 1 per 36 months Space Maintainers Full mouth panoramic x rays 1 per 36 months Adjunctive pre diagnostic oral cancer screening 1 per 12 months for ages 40 CLASS B BASIC SERVICES Waiting Period None Emergency Treatment 1 per 12 months Simple restorative services fillings Posterior composite restorations Simple extractions Oral Surgery extractions and impacted teeth Anesthesia subject to review covered with complex oral surgery Non Surgical periodontics Surgical periodontics gum treatments Periodontal maintenance 2 per 12 month in combination with prophylaxis Endodontics root canals CLASS C MAJOR SERVICES Waiting Period None Repair of crown denture or bridge Inlays and onlays Crowns bridges dentures and implants CLASS D ORTHODONTICS Waiting Period None Separate Lifetime Maximum 1 500 Up to 25 of lifetime allowance may be payable on initial banding Dependent children to age 19 only Refer to your certificate of coverage for the services covered under your plan EN 2026 FOR EMPLOYEES 2 23 Unum Dental Insurance

unum com Exclusions and Limitations The following dental services are not covered unless stated otherwise in the Certificate of Coverage any treatment which is elective or primarily cosmetic in nature and not generally recognized as a generally accepted dental practice by the American Dental Association as well as any replacement of prior elective or cosmetic restorations replacement of a removable device or appliance that is lost missing or stolen and for the replacement of removable appliances that have been damaged due to abuse misuse or neglect This may include but not be limited to removable partial dentures or dentures replacement of any permanent or removeable device or appliance unless the device or appliance is no longer functional and is older than the limitation in the Schedule of Covered Procedures This may include but not be limited to bridges dentures and crowns any appliance service or procedure performed for the purpose of splinting to alter vertical dimension or to restore occlusion any appliance service or procedure performed for the purpose of correcting attrition abrasion erosion abfraction bite registration or bite analysis charges for implants except noted above removal of implants precision or semi precision attachments denture duplication or dentures and any associated surgery or other customized services or attachments services provided for any type of temporomandibular joint TMJ dysfunction muscular skeletal deficiencies involving TMJ or related structures myofascial pain Limitations Multiple restorations on one surface are payable as one surface Multiple surfaces on a single tooth will not be paid as separate restorations On any given day more than 8 periapical x rays or a panoramic film in conjunction with bitewings will be paid as a full mouth radiograph Pre estimates are recommended for any treatment expected to exceed 300 Takeover benefits Takeover benefits apply if we are taking over a comparable benefits plan from another carrier and only if there is no break in coverage between the original plan and the takeover date Takeover is available to those individuals insured under the employer s dental plan in effect at the time of the employer s application If takeover benefits are included in your benefits then waiting periods for service will be waived for the individuals currently insured under the employer s previous plan during the month prior to coverage moving to us Application of takeover benefits is subject to Underwriting review and approval New hires with prior like dental coverage lapse in coverage must be less than 63 days will receive takeover credit for the length of time they had with the prior carrier and must provide proof of coverage including coverage dates to receive takeover credit i e one page benefit summary Certificate of Creditable Coverage etc A Network Access plan is available THIS POLICY PROVIDES LIMITED BENEFITS This brochure is not intended to be a complete description of the insurance coverage available The policies or their provisions may vary or be unavailable in some states The policies have exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form Series Dental 20 GDN or contact your Unum Dental representative Underwritten by Starmount Life Insurance Company Baton Rouge LA 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 2026 FOR EMPLOYEES 2 23

XYZ Brokerage Firm Effective date 12 01 2019 Plan features Our network offers members access to convenient quality care with more than 40 000 vision access points1 including independent optometrists and retail stores like Walmart Sam s Club JCPenney Sear s Optical America s Best and many more Find an in network provider at unumvisioncare com Manage benefits online with AlwaysAssist com and on the go with the AlwaysAssist mobile app Monthly Premium Rates2 Rates are guaranteed 12 01 2019 to 12 01 2023 with 54 participation Employee Only Employee Spouse Employee Child ren Employee Family 7 56 14 27 15 56 20 02 Covered benefits Exam Each member is entitled to a comprehensive vision exam An exam co pay applies and is outlined in the grid below Materials Each member may purchase eyewear in the form of an eyeglass frame and lenses or contact lenses Purchases are subject to benefit frequencies and co pays Plan features include Frame benefit You may choose any frame within a provider s collection subject to the retail frame allowance listed below If the cost is greater than the plan s benefits you are responsible for the difference Eyeglass lens benefit Standard plastic CR 39 Plastic Material single vision bifocal and trifocal lenses are generally covered after any applicable materials copay Plan allowances are listed below for specialty lenses If the cost is greater than the plan s benefits you are responsible for the difference Contact lens benefit Members electing contact lenses instead of glasses may apply the contact lens allowance to any lenses in the provider s collection If the cost is greater than the plan s benefits you are responsible for the difference The contact allowance will apply to the retail cost of contact lenses and to any professional fitting fee charged by the provider Some providers operating independently of the optical store may charge separately for the fit and evaluation permitting the contact lens benefit to be used fully for materials Laser vision correction Discounts are available with participating surgery providers across the country not an insured benefit Overview Vision Care Services Exam 1 per 12 month Materials Standard Plastic Lenses 1 per 12 month Single Vision Bifocal Trifocal Lenticular Progressive Lens Options Scratch resistant coating Polycarbonate Lenses for children to age 19 Frames 1 per 24 months Members choose from any frame available at provider locations Contact Lenses3 1 per 12 months Includes fit4 follow up and materials Elective Medically Necessary All Participating Providers 10 Co pay 10 Co pay Covered by Co pay Covered by Co pay Covered by Co pay 80 allowance 70 allowance Covered at Wal Mart only Covered Up to 150 allowance 10 Co pay Up to 150 allowance Up to 210 allowance Out of Network Up to 35 See Below Up to 25 Up to 40 Up to 50 Up to 50 Up to 40 Not Covered Not Covered Up to 50 retail Up to 100 Up to 210 1 Starmount internal data 2017 Access points are sites where network providers see patients Some providers may be available at more than one access point 2 Final rates subject to home office underwriting verification of participation and other factors Members must enroll for a minimum of 12 months 3 Contact lenses are in lieu of eyeglass lenses and frames 4 Some providers such as Walmart may charge for a contact lens fit and evaluation separately from your contact lens allowance leaving the entire allowance for materials 11

Other Unum Vision specifications Dependent children Dependent age guidelines vary by state Please refer to your policy certificate or contact customer service at 888 400 9304 Services not listed If you expect to require a vision service not included on this brochure it may still be covered Please contact customer service at 888 400 9304 to confirm your exact benefits This is a primary vision care benefit and is intended to cover only eye examinations and corrective eyewear Medical or surgical treatment of eye disease or injury is not provided under this plan Coverage may not exceed the lesser of actual cost of covered services and materials or the limits of the policy Some providers at optical and or retail chains such as Walmart may charge for a contact lens fit and evaluation separately and apart from your contact lens allowance leaving the entire allowance for materials Covered materials that are lost or broken will be replaced only at normal service intervals indicated in the Plan Design however these materials and any items not covered below may be purchased at Preferred Pricing from a Participating Provider In addition benefits are payable only for expenses incurred while the Group and individual Member coverage is in force Semi Monthly Rates EE 3 78 ES 7 14 EC 7 78 EF 10 01 This plan will not cover Orthoptics or vision training and any supplemental testing Plano nonprescription lenses or two pair of eyeglasses in lieu of bifocals or trifocals Medical or surgical treatment of the eyes An eye exam or corrective eye wear required by an employer as a condition of employment Any injury or illness covered under Workers Compensation or similar law or which is work related Plain or prescription sunglasses or tinted lenses and no line bifocals and blended lenses subject to allowance Sub normal vision aids Services rendered or materials purchased outside the U S or Canada unless the insured resides in the U S or Canada and the charges are incurred while on a business or pleasure trip Charges in excess of Usual and Customary for services and materials Experimental or non conventional treatments or devices Safety eyewear Spectacle lens styles materials treatments or add ons not shown in the Schedule of Benefits Laser vision correction network Membership provides access to preferred pricing Transactions are handled directly between members and providers Refractive surgery is an elective procedure and may involve potential risks to patients This is not an insured benefit Unum cannot and does not guarantee the outcome of any refractive surgical procedure or a total elimination of the need for glasses or contacts Providers may not be available in all metropolitan areas Login to www alwaysassist com for a list of participating laser vision correction providers This brochure is not intended to be a complete description of the insurance coverage available The policies or their provisions may vary or be unavailable in some states The policies have exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form Series Vision VI 2002 and VI 2007 or contact your Unum VisionSM representative Starmount Life Insurance Company 8485 Goodwood Boulevard Baton Rouge LA 70806 PH 888 400 9304 Policy Forms Vision VI 2002 and VI 2007 08 18 Vision plans are marketed by Unum administered and underwritten by Starmount Life Insurance Company Baton Rouge LA 2018 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries 12

Rates for these lines are loaded in the online enrollment platform and explained in more detail on the following pages Employer Paid Life Insurance To ensure that you have adequate coverage for your family s financial needs _____XYZ Company____ provides ____ _2_5_ _0_0_0____ of Basic Life Insurance coverage for all eligible full time employees Voluntary Group Term Life AD D Voluntary Group Term Life Insurance is also available for you your spouse and your dependent children through ______U__N_U_M_______ As an employee you may purchase Term Life Insurance for yourself in benefit amounts between 10 000 and ___ _5_0_0_ _0_0_0___ in 10 000 increments Guaranteed Issued You can purchase up to ____ _1_0_0_ 0_0_0____ without having to answer a medical questionnaire If you choose not to enroll when you are first offered the opportunity and choose to enroll at a later time you will have to complete a medical questionnaire and are subject to the carrier s approval denial Critical Illness with Cancer Coverage Everyday thousands of people are diagnosed with a serious illness such as cancer or are stricken with a heart attack stroke or other unexpected medical conditions The costs associated with serious illnesses even for individuals with medical insurance can be astronomical This plan can help overcome some of the costs related to sudden illnesses that are not covered by medical insurance You may also purchase coverage on your spouse age 18 70 and your dependent children under the age of 26 who are unmarried and your dependent Diagnosis has to take place after the policy effective date Upon diagnosis of a covered Critical Illness the covered individual will receive 100 of the lump sum benefit amount elected Accident Insurance Accidents are unexpected as are the various expenditures associated with them While most health insurance covers major expenses it does not cover every related cost You could face office visit copays deductibles and transportation lodging costs all cost you weren t expecting The Accident Insurance gives you the protection for the unexpected The plan pays you a benefit that can be applied to expenditures surrounding an accident including but not limited to ambulance emergency room treatment doctor s visits and surgery related to the accident It also pays benefits for common accidental injuries such as burns concussions emergency dental work dislocations fractures and much more The amount of benefit you receive depends on the nature of the injury or the type of service you receive And these benefits are paid in addition to any medical insurance you might have Short Term Long Term Disability Insurance How do you see yourself five years from now Or ten Chances are you don t see yourself disabled But a surprising number of people do find themselves injured or sick and unable to work even if only for a short time But would a month seem like a short time if you had no income Your employer offers plans that will help you pay for your household expenses if you become disabled and cannot work These plans may be purchased without answering health questions as long as you enroll when you are first hired or the first year the plan is offered Enrollment at any other time will require medical evidence of insurability Rates for these plans are loaded in the online enrollment platform and explained in more detail on the following pages 13

XYZ Brokerage Firm Term Life with Accidental Death Dismemberment AD D Insurance can provide money for your family if you die or are diagnosed with a terminal illness How does it work You keep coverage for a set period of time or term If you die during that term the money can help your family pay for basic living expenses final arrangements tuition and more AD D Insurance is also available which can pay a benefit if you survive an accident but have certain serious injuries It can pay an additional amount if you die from a covered accident Why choose Unum Your employer is offering you this coverage at no cost to you Unum is the leading provider of employee benefits with more than 165 years of experience 1 We ll be there to back our benefits and provide you with the support you need Who can get Term Life coverage If you are actively at work at least 30 hours per week you can receive coverage for You You can receive a benefit amount of 25 000 Who can get Accidental Death Dismemberment AD D coverage You You can receive an AD D benefit amount of 25 000 No questions or health exams required for AD D coverage What else is included A Living Benefit If you are diagnosed with a terminal illness with less than 12 months to live you can request 75 of your life insurance benefit up to 500 000 while you are still living This amount will be taken out of the death benefit and may be taxable Waiver of premium Your cost may be waived if you are totally disabled for a period of time Portability You may be able to keep coverage if you leave the company retire or change the number of hours you work Employees or dependents who have a sickness or injury having a material effect on life expectancy at the time their group coverage ends are not eligible for portability 1 Unum internal data 2017 EN 2046 9 18 FOR EMPLOYEES 14

Term Life Insurance with Accidental Death Dismemberment AD D Exclusions and limitations Actively at work Eligible employees must be actively at work to apply for coverage Being actively at work means on the day the employee applies for coverage the individual must be working at one of his her company s business locations or the individual must be working at a location where he she is required to represent the company If applying for coverage on a day that is not a scheduled workday the employee will be considered actively at work as of his her last scheduled workday Employees are not considered actively at work if they are on a leave of absence or lay off Employees must be U S citizens or legally authorized to work in the U S to receive coverage Employees must be actively employed in the United States with the Employer to receive coverage Employees must be insured under the plan for spouses and dependents to be eligible for coverage Exclusions and limitations Life insurance benefits will not be paid for deaths caused by suicide occurring within 24 months after the effective date of coverage The same applies for increased or additional benefits AD D specific exclusions and limitations Accidental death and dismemberment benefits will not be paid for losses caused by contributed to by or resulting from Disease of the body diagnostic medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders DSM Suicide self destruction while sane intentionally self inflicted injury while sane or self inflicted injury while insane War declared or undeclared or any act of war Active participation in a riot Committing or attempting to commit a crime under state or federal law The voluntary use of any prescription or non prescription drug poison fume or other chemical substance unless used according to the prescription or direction of your doctor This exclusion does not apply to you if the chemical substance is ethanol Intoxication Being intoxicated means your blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred Delayed effective date of coverage Employee Insurance coverage will be delayed if you are not in active employment because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective Age reduction Coverage amounts for Life and AD D Insurance for you will reduce to 65 of the original amount when you reach age 65 and will reduce to 50 of the original amount when you reach age 70 Coverage may not be increased after a reduction Termination of coverage Your coverage under the policy ends on the earliest of The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered The last day of the period for which you made any required contributions The last day you are actively employed unless coverage is continued due to a covered layoff leave of absence injury or sickness as described in the certificate of coverage This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative Life Planning Financial Legal Resources services provided by HealthAdvocate are available with select Unum insurance offerings Terms and availability of service are subject to change Service provider does not provide legal advice please consult your attorney for guidance Services are not valid after coverage terminates Please contact your Unum representative for details Underwritten by Unum Life Insurance Company of America Portland Maine 2018 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 2046 9 18 FOR EMPLOYEES 15

XYZ Brokerage Firm Term Life and Accidental Death Dismemberment AD D Insurance can provide money for your family if you die or are diagnosed with a terminal illness How does it work You choose the amount of coverage that s right for you and you keep coverage for a set period of time or term If you die during that term the money can help your family pay for basic living expenses final arrangements tuition and more AD D Insurance is also available which pays a benefit if you survive an accident but have certain serious injuries It pays an additional amount if you die from a covered accident Why is this coverage so valuable If you buy a minimum of 10 000 of coverage now you can increase your coverage in the future up to 100 000 to meet your growing needs You won t have to answer any health questions or take a health exam What else is included A Living Benefit If you are diagnosed with a terminal illness with less than 12 months to live you can request 75 of your life insurance benefit up to 500 000 while you are still living This amount will be taken out of the death benefit These benefit payments may adversely affect the recipient s eligibility for Medicaid or other government benefits or entitlement and may be taxable Recipients should consult their tax attorney or advisor before utilizing living benefit payments Waiver of premium Your cost may be waived if you are totally disabled for a period of time Portability You may be able to keep coverage if you leave the company retire or change the number of hours you work Employees or dependents who have a sickness or injury having a material effect on life expectancy at the time their group coverage ends are not eligible for portability Who can get Term Life coverage If you are actively at work at least 30 hours per week you may apply for coverage for You Choose from 10 000 to 500 000 in 10 000 increments up to 5 times your earnings You can get up to 100 000 with no health questions This is your guaranteed issue amount Your Spouse Get up to 100 000 of coverage in 5 000 increments Spouse coverage cannot exceed 100 of the coverage amount you purchase for yourself Your spouse can get up to 30 000 with no health questions if eligible see delayed effective date This is their guaranteed issue amount Your Children Get up to 10 000 of coverage in 2 000 increments if eligible see delayed effective date One policy covers all of your children until their 26th birthday The maximum benefit for children live birth to 6 months is 1 000 Who can get Accidental Death Dismemberment AD D coverage You Get up to 500 000 of AD D coverage for yourself in 10 000 increments to a maximum of 5 times your earnings Your Get up to 100 000 of AD D coverage for your Spouse spouse in 5 000 increments if eligible see delayed effective date Your Get up to 10 000 of coverage for your children in Children 2 000 increments if eligible see delayed effective date No questions or health exams required for AD D coverage Delayed Effective Date If your spouse or child has a serious injury sickness or disorder or is confined their coverage may not take effect Payment of premium does not guarantee coverage Please refer to your policy contract or see your plan administrator for an explanation of the delayed effective date provision that applies to your plan EN 1976 10 18 FOR EMPLOYEES 16

Term Life and Accidental Death Dismemberment AD D Insurance How much coverage can I get Calculate your costs 1 Enter the coverage amount you want 2 Divide by the amount shown 3 Multiply by the rate Use the rate table at right to find the rate based on age Choose the age you will be when your coverage becomes effective on 12 01 2019 To determine your spouse rate choose the age the spouse will be when coverage becomes effective on 12 01 2019 4 Enter your cost Employee Spouse Child 1 ______ 000 ______ 000 ______ 000 2 10 000 ________ 5 000 ________ 2 000 ________ 3 X ______ X ______ X ______ Total cost 4 _______ _______ _______ Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 Employee monthly rate Per 10 000 of coverage Cost 0 495 0 582 0 825 1 261 1 911 2 400 3 900 6 101 7 731 11 068 20 933 64 699 Spouse monthly rate Per 5 000 of coverage Cost 0 400 0 400 0 350 0 525 0 900 1 500 2 300 3 500 4 800 9 000 22 900 22 900 Child monthly rate 0 400 per 2 000 of coverage 1 Enter the AD D coverage amount you want 2 Divide by the amount shown 3 Multiply by the rate Use the AD D rate table at right to find the rate 4 Enter your cost AD D Employee Spouse Child 1 ______ 000 ______ 000 ______ 000 2 10 000 ________ 15 000 ________ 2 000 ________ 3 X 0 200 X 0 100 X 0 095 Total cost 4 _______ _______ _______ Employee Spouse Child AD D monthly rates Coverage amount per 10 000 of coverage per 15 000 of coverage per 2 000 of coverage Rate 0 200 0 100 0 095 Billed amount may vary slightly If you apply for coverage above the guaranteed issue amount you will be asked health related questions which may affect your ability to get the larger coverage amount In order to purchase coverage for your dependents you must buy coverage for yourself Coverage amounts cannot exceed 100 of your coverage amounts EN 1976 10 18 FOR EMPLOYEES 17

Term Life and Accidental Death Dismemberment AD D Insurance Exclusions and limitations Actively at work Eligible employees must be actively at work to apply for coverage Being actively at work means on the day the employee applies for coverage the individual must be working at one of his her company s business locations or the individual must be working at a location where he she is required to represent the company If applying for coverage on a day that is not a scheduled workday the employee will be considered actively at work as of his her last scheduled workday Employees are not considered actively at work if they are on a leave of absence or lay off An unmarried handicapped dependent child who becomes handicapped prior to the child s attainment age of 26 may be eligible for benefits Please see your plan administrator for details on eligibility Employees must be U S citizens or legally authorized to work in the U S to receive coverage Spouses and dependents must live in the U S to receive coverage Employees must be actively employed in the United States with the Employer to receive coverage Employees must be insured under the plan for spouses and dependents to be eligible for coverage Exclusions and limitations Life insurance benefits will not be paid for deaths caused by suicide occurring within 24 months after the effective date of coverage The same applies for increased or additional benefits AD D specific exclusions and limitations Accidental death and dismemberment benefits will not be paid for losses caused by contributed to by or resulting from Disease of the body diagnostic medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders DSM Suicide self destruction while sane intentionally self inflicted injury while sane or selfinflicted injury while insane War declared or undeclared or any act of war Active participation in a riot Committing or attempting to commit a crime under state or federal law The voluntary use of any prescription or non prescription drug poison fume or other chemical substance unless used according to the prescription or direction of your or your dependent s doctor This exclusion does not apply to you or your dependent if the chemical substance is ethanol Intoxication Being intoxicated means your or your dependent s blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred Delayed effective date of coverage Insurance coverage will be delayed if you are not an active employee because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective Delayed Effective Date If your spouse or child has a serious injury sickness or disorder or is confined their coverage may not take effect Payment of premium does not guarantee coverage Please refer to your policy contract or see your plan administrator for an explanation of the delayed effective date provision that applies to your plan Age reduction Coverage amounts for Life and AD D Insurance for you and your dependents will reduce to 65 of the original amount when you reach age 65 and will reduce to 50 of the original amount when you reach age 70 Coverage may not be increased after a reduction Termination of coverage Your coverage and your dependents coverage under the policy ends on the earliest of The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered The last day of the period for which you made any required contributions The last day you are actively employed unless coverage is continued due to a covered layoff leave of absence injury or sickness as described in the certificate of coverage In addition coverage for any one dependent will end on the earliest of The date your coverage under a plan ends The date your dependent ceases to be an eligible dependent For a spouse the date of a divorce or annulment For dependents the date of your death Unum will provide coverage for a payable claim that occurs while you and your dependents are covered under the policy or plan This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative Life Planning Financial Legal Resources services provided by HealthAdvocate are available with select Unum insurance offerings Terms and availability of service are subject to change Service provider does not provide legal advice please consult your attorney for guidance Services are not valid after coverage terminates Please contact your Unum representative for details Unum complies with state civil union and domestic partner laws when applicable Underwritten by Unum Life Insurance Company of America Portland Maine 2018 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1976 10 18 FOR EMPLOYEES 18

XYZ Brokerage Firm Short Term Disability Insurance can pay you a weekly benefit if you have a covered disability that keeps you from working How does it work If a covered illness or injury keeps you from working Short Term Disability Insurance can replace part of your income while you recover As long as you remain disabled you can receive payments for up to 13 weeks You re generally considered disabled if you re unable to do important parts of your job and your income suffers as a result Why is this coverage so valuable You can use the money however you choose It can help you pay for your rent or mortgage groceries out of pocket medical expenses and more What s covered This insurance may cover a variety of conditions and injuries Here are Unum s top reasons for short term disability claims 1 Normal pregnancy Injuries excluding back Joint disorders Cancer Digestive disorders This plan does not cover pre existing conditions See the disclosure section to learn more Consider your weekly expenses Food _______ Transportation _______ gas car payments repairs Child care elder care _______ Mortgage rent _______ Utilities _______ electric water cable phone Medical costs co pays medications _______ Insurance health life car home _______ Total weekly expenses _______ 1 Unum internal data 2018 Note Causes are listed in ranked order EN 1977 6 20 FOR EMPLOYEES 19

Short Term Disability Insurance How much coverage can I get You You are eligible for coverage if you are an active employee in the United States working a minimum of 30 hours per week Coverage amounts Cover 60 of your weekly income up to a maximum benefit of 1 000 per week The weekly benefit may be reduced or offset by other sources of income See the Legal Disclosures for more information Coverage is guaranteed as long as a certain number of employees purchase coverage If you don t sign up now but decide to apply later you may have to answer medical questions Elimination period EP This is the number of days that must pass between your first day of a covered disability and the day you can begin to receive your disability benefits Your benefits would begin after 0 days if you become disabled due to an injury and 7 days if you become disabled due to an illness Benefit duration BD The maximum number of weeks you can receive benefits while you re disabled You have a 13 week benefit duration Calculate your cost For step 2 Enter your rate from the Rate Chart based on your age Choose the age you will be when your coverage becomes effective on 12 01 2021 Disability worksheet 1 Calculate your weekly disability benefit ________ 52 ________ x 60 Your annual earnings Your weekly Max of earnings income covered 2 Calculate your cost per paycheck ________ 10 ________ x _______ Your weekly benefit amount Your rate __________ Max weekly benefit available if the amount exceeds the plan max of 1 000 enter 1 000 ________ x 12 _______ ________ __________ Your monthly cost Your annual Number of cost paychecks per year Your cost per paycheck Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 Rates 0 780 1 040 0 501 0 306 0 215 0 254 0 332 0 397 0 481 0 585 Billed amount may vary slightly Your rate is based on your age and will increase as you move to the next age band The maximum covered annual income is 86 666 EN 1977 6 20 FOR EMPLOYEES 20

Short Term Disability Insurance Exclusions and limitations Active employee You are considered in active employment if on the day you apply for coverage you are being paid regularly by Glass Sorenson and McDavid for the required minimum hours each week and you are performing the material and substantial duties of your regular occupation Delayed effective date of coverage Insurance coverage will be delayed if you are not an active employee because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective Definition of disability You are considered disabled when Unum determines that due to sickness or injury You are limited from performing the material and substantial duties of your regular occupation and you are not working or You are working but you have lost 20 or more in weekly earnings You must be under the regular care of a physician in order to be considered disabled The loss of a professional or occupational license or certification does not in itself constitute disability Unless the policy specifies otherwise as part of the disability claims evaluation process Unum will evaluate your occupation based on how it is normally performed in the national economy not how work is performed for a specific employer at a specific location or in a specific region Pre existing conditions You have a pre existing condition if You received medical treatment consultation care or services including diagnostic measures for the condition or took prescribed drugs or medicines for it in the 3 months just prior to your effective date of coverage and The disability begins in the first 12 months after your effective date of coverage Deductible sources of income Your disability benefit may be reduced by deductible sources of income and any earnings you have while you are disabled including such items as group disability benefits or other amounts you receive or are entitled to receive Workers compensation or similar occupational benefit laws State compulsory benefit laws Automobile liability insurance policy Motor vehicle insurance policy or plan No fault motor vehicle plan Legal judgments and settlements Salary continuation or sick leave plans if applicable Other group or association disability programs or insurance Social Security or similar governmental programs Exclusions and limitations Benefits will not be paid for disabilities caused by contributed to by or resulting from War declared or undeclared or any act of war Active participation in a riot Intentionally self inflicted injuries Loss of professional license occupational license or certification Commission of a crime for which you have been convicted Any period of disability during which you are incarcerated Any occupational injury or sickness this will not apply to a partner or sole proprietor who cannot be covered by law under workers compensation or any similar law Excluded pre existing conditions see definition The loss of a professional or occupational license does not in itself constitute disability Termination of coverage Your coverage under the policy ends on the earliest of the following The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered The last day of the period for which you made any required contributions The last day you are in active employment except as provided under the covered layoff or leave of absence provision Unum will provide coverage for a payable claim that occurs while you are covered under the policy or plan This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative Underwritten by Unum Life Insurance Company of America Portland Maine 2020 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1977 6 20 FOR EMPLOYEES 21

Employer paid and Employee Optional Additional Long Term Disability Insurance How does it work This coverage provides a monthly benefit if you have a covered illness or injury and you can t work for a few months or even longer Your employer is providing you a base amount of coverage You also have the opportunity to purchase additional coverage to be sure your financial needs are met You re generally considered disabled if you re unable to do important parts of your job and your income suffers as a result You can use the money however you choose It can help you pay for your rent or mortgage groceries out of pocket medical expenses and more Why is this coverage so valuable If you didn t get coverage when you were first eligible you ll have to answer health questions now If you re newly eligible you may not have to answer health questions What else is included Work life balance Employee Assistance Program Get access to professional help for a range of personal and work related issues including counselor referrals financial planning and legal support Worldwide emergency travel assistance One phone call gets you and your family immediate help anywhere in the world as long as you re traveling 100 or more miles from home However a spouse traveling on business for his or her employer is not covered Survivor benefit If you die while you ve been disabled and receiving benefits for at least 180 days your family could get a benefit equal to 3 months of your gross disability payment Waiver of premium If you re disabled and receiving benefit payments Unum waives your cost until you return to work COVERAGE AMOUNTS ELIMINATION PERIOD BENEFIT DURATION Employer paid coverage Your employer is providing a benefit of 40 of your monthly earnings to a maximum of 7 500 Employee optional additional coverage You can elect to purchase a benefit of 66 67 of your monthly earnings to a maximum of 12 500 The monthly benefit may be reduced or offset by other sources of income The IRS may require you to pay taxes on certain benefit payments See your tax advisor for details Employer paid and optional additional coverage Your elimination period is 180 days This is the number of days that must pass after a covered illness or injury before you can begin to receive benefits Employer paid and optional additional coverage You can receive benefits up to the Social Security SS normal retirement age This is the maximum length of time you can receive benefits while you re disabled EN 351050 FOR EMPLOYEES 3 22 Unum Long Term Disability Insurance 710365

Calculate your cost per paycheck ______________ x 0 280 100 Monthly Income not to exceed Your rate ___________ Monthly Employee Cost ___________ x 12 ________ Monthly Employee Cost Pay Periods Per Year ____________ Pay Period Deduction 66 670 benefit Maximum monthly income covered is 18 749 EXPENSES TO CONSIDER Mortgage Rent Transportation Utilities Loans Credit Card Child Elder Care Medical Insurance Education Food Other EN 351050 FOR EMPLOYEES 3 22 Unum Long Term Disability Insurance 710365

Exclusions and limitations Active employee You are eligible for coverage if you are an active employee in the United States working a minimum of 30 hours per week You are considered in active employment if on the day you apply for coverage you are being paid regularly by your employer for the required minimum hours each week and you are performing the material and substantial duties of your regular occupation Delayed effective date of coverage Insurance coverage will be delayed if you are not an active employee because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective Benefit Duration The duration of your benefit payments is based on your age when your disability occurs Your Long Term Disability benefits are payable while you continue to meet the definition of disability Please refer to your plan document for the duration of benefits under this policy Definition of disability You are considered disabled when Unum determines that You are limited from performing the material and substantial duties of your regular occupation due to sickness or injury and You have a 20 or more loss of indexed monthly earnings due to the same sickness or injury After 24 months you are considered disabled when Unum determines that due to the same sickness or injury you are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education training or experience You must be under the regular care of a physician in order to be considered disabled The loss of a professional or occupational license or certification does not in itself constitute disability Substantial and material acts means the important tasks functions and operations that are generally required by employers from those engaged in your usual occupation and that cannot be reasonably omitted or modified Pre existing conditions You have a pre existing condition if You received medical treatment consultation care or services including diagnostic measures for the condition or took prescribed drugs or medicines for it in the 6 months just prior to your effective date of coverage and The disability begins in the first 12 months after your effective date of coverage Deductible sources of income Your disability benefit may be reduced by deductible sources of income and any earnings you have while you are disabled including such items as group disability benefits or other amounts you receive or are entitled to receive Workers compensation or similar occupational benefit laws including a temporary disability benefit under a workers compensation laws State compulsory benefit laws Automobile liability insurance policy No fault motor vehicle plan Third party settlements Other group insurance plans A group plan sponsored by your employer Governmental retirement system Salary continuation or sick leave plans if included Retirement payments Social Security or similar governmental programs Exclusions and limitations Benefits will not be paid for disabilities caused by contributed to by or resulting from Intentionally self inflicted injuries Active participation in a riot War declared or undeclared or any act of war Commission of a crime for which you have been convicted Loss of professional license occupational license or certification or Pre existing conditions See the disclosure section to learn more The loss of a professional or occupational license does not in itself constitute disability Unum will not pay a benefit for any period of disability during which you are incarcerated The lifetime cumulative maximum benefit for all disabilities due to mental illness is 24 months Only 24 months of benefits will be paid for any combination of such disabilities even if the disabilities are not continuous and or are not related Payments can continue beyond 24 months only if you are confined to a hospital or institution as a result of the disability Termination of coverage Your coverage under the policy ends on the earliest of the following The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered The last day of the period for which you made any required contributions The last day you are in active employment except as provided under the covered layoff or leave of absence provision Unum will provide coverage for a payable claim that occurs while you are covered under the policy or plan Unum s LTD contracts standardly include a provision called the Social Security Claimant Advocacy Program With this feature claimants can receive expert advice and assistance from us regarding their Social Security Disability claim during the application and appeal process Social Security advocacy services are provided by GENEX Services LLC or Brown Brown Absence Services Group Referral to one of our advocacy partners is determined by Unum Worldwide emergency travel assistance services are provided by Assist America Inc Work life balance employee assistance program services are provided by HealthAdvocate Services are available with select Unum insurance offerings Terms and availability of service are subject to change and prior notification requirements Service providers do not provide legal advice please consult your attorney for guidance Services are not valid after coverage terminates Please contact your Unum representative for details This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative Underwritten by Unum Life Insurance Company of America Portland Maine 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 351050 FOR EMPLOYEES 3 22 Unum Long Term Disability Insurance 710365

XYZ Brokerage Firm Accident Insurance can pay you money for covered accidental injuries and their treatment How does it work Accident Insurance can pay a set benefit amount based on the type of injury you have and the type of treatment you need It covers accidents that occur on and off the job And it includes a range of incidents from common injuries to more serious events What s included Wellness Benefit Every year each family member who has Accident coverage can also receive 50 for getting a health screening test such as Blood tests Chest X rays Stress tests Colonoscopies Mammograms Sickness Hospital Confinement Benefit This optional benefit pays a daily amount if you re in the hospital for a covered illness It s available to each family member who has Accident coverage You can receive 200 per day Coverage for children is 75 of that amount The benefit has a 12 month pre existing condition limitation You and your spouse need to answer some health questions to receive this benefit Employees must be legally authorized to work in the United States and actively working at a U S location to receive coverage Spouses and dependent children must reside in the United States to receive coverage Why is this coverage so valuable It can help you with out of pocket costs that your medical plan doesn t cover like co pays and deductibles You re guaranteed base coverage without answering health questions The cost is conveniently deducted from your paycheck You can keep your coverage if you change jobs or retire You ll be billed directly Who can get coverage You If you re actively at work Your spouse Ages 17 and up Your children Dependent children from birth until their 26th birthday regardless of marital or student status How much does it cost Monthly Premium You 19 53 You and your spouse 31 93 You and your child ren 32 94 You your spouse and child ren 45 34 For illustrative purposes only Actual cost may vary Premium with optional Sickness Hospital Confinement Benefit 24 11 41 09 42 48 59 46 EN 1974 1 20 FOR EMPLOYEES R0804278 27

Accident Insurance Schedule of Benefits Covered injuries Fractures Open Reduction dependent on location of injury Closed Reduction dependent on location of injury Chips Dislocations Benefit amount Emergency and hospitalization benefits 200 to 10 000 100 to 5 000 25 of closed amount Ambulance ground once per accident Air ambulance Emergency room treatment Emergency treatment in physician office urgent care facility Benefit amount 600 2500 150 100 Open Reduction dependent on location of injury Closed Reduction dependent on location of injury Burns At least 10 square inches but less than 20 square inches At least 20 square inches but less than 35 square inches 35 or more square inches of the body surface 400 to 8 000 200 to 4 000 2nd degree 0 3rd degree 3 750 2nd degree 0 3rd degree 7 500 2nd degree 1 500 3rd degree 15 000 Hospital admission admission or intensive care admission once per covered accident Intensive care admission same as above Hospital confinement per day up to 365 days Intensive care confinement per day up to 15 days Medical imaging test once per accident 1 500 2 250 400 600 400 Skin grafts for 2nd and 3rd degree burns Outpatient surgery facility service 50 of burn benefit once per accident 500 Skin graft for any other accidental traumatic loss of skin At least 10 square inches but less than 20 square inches 225 At least 20 square inches but less than 35 square inches 375 35 or more square inches of the body surface 750 Concussion 200 Coma 15 000 Ruptured disc 1 000 Knee cartilage Torn with surgical repair 1 000 Exploratory surgery or cartilage shaved only 200 Laceration 50 800 Tendon ligament and rotator cuff Surgical repair of one 1 000 Surgical repair of two or more 1 500 Exploratory surgery without repair 200 Dental work emergency Extraction 150 Crown 450 Eye injury 400 Accident coverage is a limited policy In TX additional benefits are available for acquired brain injury telehealth service and telemedicine service The information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to policy form GA 1 or contact your Unum representative Pain management epidural once per accident 150 Treatment and other services Benefit amount Surgery benefit Open abdominal thoracic 2 000 Exploratory without repair 200 Hernia repair 200 Physician follow up visit 2 visits per accident 100 Chiropractic visit up to 3 visits per calendar year 35 Therapy services up to 10 per accident Occupational therapy 35 Speech therapy 35 Physical therapy 35 Prosthetic device or artificial limb One 1 000 More than one 2 000 Appliance once per accident 200 Blood plasma and platelets 500 Travel due to accident Transportation of more than 50 miles from residence 3 trips per accident max 1 200 miles per round trip 0 50 per mile Lodging per night up to 30 days per accident 200 Rehabilitation unit confinement per day up to 15 days max 30 days per calendar year 150 Accidental death and other covered losses Benefit amount Accidental death Employee 100 000 Spouse 40 000 Child 20 000 The accidental death benefit doubles if the insured individual is injured as a fare paying passenger on a common carrier Employee 200 000 spouse 80 000 child 40 000 Initial accidental dismemberment one benefit per accident not payable with initial accidental loss Loss of both hands or both feet or 30 000 Loss of one hand and one foot or 30 000 Loss of one hand or one foot 15 000 Loss of two or more fingers toes or any combination or 2 500 Loss of one finger or toe 1 500 Catastrophic accidental dismemberment once per lifetime not payable with catastrophic loss Loss of both hands or both feet or loss of one hand and one foot Employee prior to age 65 100 000 Spouse and child 50 000 Employee ages 65 69 50 000 Spouse and child 25 000 Employee 70 years old 25 000 Spouse and child 12 500 Accidental loss paralysis sight hearing and speech Initial accidental loss one benefit per accident not payable with initial dismemberment Permanent paralysis or 30 000 Loss of sight of both eyes or 30 000 Loss of sight of one eye or 15 000 Loss of the hearing of one ear 15 000 Catastrophic accidental loss once per lifetime not payable with catastrophic dismemberment Permanent paralysis or loss of hearing in both ears or loss of the ability to speak or loss of sight of both eyes Employee prior to age 65 100 000 Spouse and child 50 000 Employee ages 65 69 50 000 Spouse and child 25 000 Employee 70 years old 25 000 Spouse and child 12 500 Catastrophic accidental benefit payable after fulfilling a 365 day elimination period Underwritten by Unum Life Insurance Company of America Portland Maine 2020 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries Level 3 with AD D EN 1974 1 20 FOR EMPLOYEES R0804278 28

Accident Insurance See Schedule of Benefits for a complete listing of what is covered THIS IS A LIMITED BENEFITS POLICY Effective date of coverage Coverage becomes effective on the first day of the month in which payroll deductions begin Exclusions and limitations Unum will not pay benefits for a claim that is caused by contributed to by or occurs as a result of participating in war or act of war whether declared or undeclared committing acts of terrorism riding in or driving any motor driven vehicle in a race stunt show or speed test operating learning to operate serving as a crew member of or jumping parachuting or falling from any aircraft or hot air balloon including those which are not motor driven This does not include flying as a fare paying passenger engaging in hang gliding bungee jumping sailgliding parasailing parakiting participating or attempting to participate in a felony being engaged in an illegal occupation or being incarcerated in a penal institution committing or trying to commit suicide or injuring oneself intentionally whether sane or not practicing for or participating in any semi professional or professional competitive athletic contests for which any type of compensation or remuneration is received having any sickness or declining process caused by a sickness including physical or mental infirmity including any treatment for allergic reactions Unum also will not pay benefits to diagnose or treat the sickness Sickness means any illness infection disease or any other abnormal physical condition which is not caused by an injury In addition to the exclusions listed above Unum will also not pay the catastrophic accidental dismemberment or catastrophic accidental loss benefit for the following injuries that are caused by or are the result of an insured s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician or injuries to a dependent child received during the birth Sickness Hospital Confinement Benefit exclusions Unum will not pay benefits for a claim that is caused by contributed to by or occurs as a result of participating in war or act of war whether declared or undeclared committing acts of terrorism treatment for alcoholism or drug addiction unless the insured is addicted to a narcotic taken on the advice of a physician treatment for dental care or dental care procedures elective procedures and or cosmetic surgery or reconstructive surgery unless it is a result of trauma infection or other diseases having a pre existing condition as described and limited by this benefit hospital confinement caused by contributed to by or resulting from your mental illness However dementia as a result of stroke trauma viral infection Alzheimer s disease or other conditions not listed which are not usually treated by a mental health provider or other qualified provider using psychotherapy psychotropic drugs or other similar methods of treatment are covered under this policy any hospital confinement of a newborn following the birth unless the newborn is sick or injured Pre existing conditions for the Sickness Hospital Confinement Benefit Unum will not pay benefits for a claim that is caused by contributed to by or occurs as a result of a pre existing condition or any medical or surgical treatment for that condition for which the date of confinement is in the first 12 months after the insured s coverage effective date Pre existing condition means a sickness or symptoms of a sickness whether diagnosed or not for which the insured received medical treatment consultation care or services including diagnostic measures took prescribed drugs or medicine or had been prescribed drugs or medicine to be taken during the 12 months just prior to the insured s coverage effective date Termination of employee coverage If you choose to cancel your coverage under the policy your coverage ends on the first of the month following the date you provide notification to your employer Otherwise your coverage under the policy ends on the earliest of the date this policy is cancelled date you are no longer in an eligible group date your eligible group is no longer covered date of your death last day of the period for which you made any required contributions or last day you are in active employment However as long as premium is paid as required coverage will continue in accordance with the layoff and leave of absence provisions of this policy Unum will provide coverage for a payable claim which occurs while you are covered EN 1974 1 20 FOR EMPLOYEES under this policy THIS IS A LIMITED BENEFITS POLICY This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form GA 1 et al or contact your Unum representative Unum complies with state civil union and domestic partner laws when applicable Underwritten by Unum Life Insurance Company of America Portland Maine 2020 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries R0804278 29

XYZ Brokerage Firm Critical Illness Insurance can pay money directly to you when you re diagnosed with certain serious illnesses How does it work If you re diagnosed with an illness that is covered by this insurance you can receive a benefit payment in one lump sum You can use the money however you want Why is this coverage so valuable The money can help you pay out of pocket medical expenses like co pays and deductibles You can use this coverage more than once Even after you receive a payout for one illness you re still covered for the remaining conditions If you have a different condition later you can receive another benefit This insurance pays you once for each eligible illness However the diagnoses must be at least 90 days apart and the conditions can t be related to each other What s covered Heart attack Blindness Major organ failure End stage kidney failure Benign brain tumor Coronary artery bypass surgery pays at 25 of lump sum benefit Coma that lasts at least 14 consecutive days Stroke whose effects are confirmed at least 30 days after the event Occupational HIV Permanent paralysis of at least two limbs due to a covered accident Coverage is also included for Cancer Carcinoma in situ pays 25 of your coverage amount Carcinoma in situ is defined as cancer that involves only cells in the tissue in which it began and that has not spread to nearby tissues Why should I buy coverage now It s more affordable when you buy it through your employer The cost is conveniently deducted from your paycheck You can keep coverage if you leave the company or retire You ll be billed at home What else is included A Wellness Benefit Every year each family member who has Critical Illness coverage can also receive 75 for getting a health screening test such as Blood tests Chest X rays Stress tests Colonoscopies Mammograms And other tests listed in your policy EN 1972 7 18 FOR EMPLOYEES Please refer to the policy for complete details about these covered conditions Coverage may vary by state See exclusions and limitations Effective date of coverage Coverage becomes effective on the first day of the month in which payroll deductions begin Employees must be legally authorized to work in the United States and actively working at a U S location to receive coverage Spouses and dependent children must reside in the United States to receive coverage 25

Critical Illness Insurance Who can get coverage Coverage is guaranteed up to the stated amount If you don t sign up now but decide to apply later you may have to answer medical questions You Choose 5 000 or 10 000 of coverage Coverage is guaranteed up to 10 000 if you apply during this enrollment If you do not sign up now but decide to apply later you may have to answer medical questions Your spouse Spouses from ages 17 and up can get 5 000 of coverage during this enrollment Coverage is guaranteed as long as you have purchased coverage for yourself Your children Dependent children from newborns to age 26 are automatically covered at no extra cost Their coverage amount is 50 of yours They are covered for all the same illnesses plus these specific childhood conditions cerebral palsy cleft lip or palate cystic fibrosis Down syndrome and spina bifida The diagnosis must occur after the child s coverage effective date Age 0 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 99 Monthly premium for 1 000 of coverage Non tobacco Tobacco 0 43 0 61 0 47 0 74 0 68 1 10 0 93 1 61 1 31 2 36 1 80 3 26 2 38 4 35 3 14 5 54 4 02 6 63 4 52 6 91 8 10 11 14 Monthly Premium for Wellness Benefit Employee and children 2 40 Spouse 2 40 Your paycheck deduction includes base coverage and Wellness Benefit premium s Actual billed amounts may vary For illustrative purposes only Exclusions and limitations Individuals must have comprehensive medical coverage to be eligible for this critical illiness insurance Waiting period The benefit for this coverage is subject to a 30 day waiting period following the effective date of the insured s coverage This does not apply to coma occupational HIV and permanent paralysis or specific covered childhood diseases Pre existing conditions Benefits for a pre existing condition defined as a sickness or injury or symptoms of a sickness or injury whether diagnosed or not for which you received medical treatment consultation care or services including diagnostic measures took prescribed drugs or medicine or had been prescribed drugs or medicine to be taken in the 12 months just prior to your effective date will not be paid during the first 12 months the policy is inforce Reduction of benefits Any coverage inforce prior to the insured s 70th birthday will be reduced on the policy anniversary date following the insured s 70th birthday The insured s face amount will be reduced to 50 of the face amount the insured had prior to the policy anniversary date Any coverage inforce after the policy anniversary date following the insured s 70th birthday will not be subject to a benefit reduction on subsequent policy anniversary dates Exclusions and limitations Unum will not pay benefits for a claim that is caused by contributed to by or occurs as a result of Participating or attempting to participate in a felony or being engaged in an illegal occupation or Committing or trying to commit suicide or injuring oneself intentionally whether sane or not or Participating in war or any act of war whether declared or undeclared or Committing acts of terrorism or Being under the influence of or addicted to intoxicants or narcotics This would not include physician prescribed medication taken in the prescribed dosage or Having a date of diagnosis during the benefit waiting period Termination of employee coverage If you choose to cancel your coverage under the policy your coverage ends on the first of the month following the date you provide notification to your employer Otherwise your coverage under the policy ends on the earliest of the Date this policy is canceled EN 1972 7 18 FOR EMPLOYEES Date you are no longer in an eligible group Date your eligible group is no longer covered Date of your death Last day of the period for which you made any required contributions or Last day you are in active employment However as long as premium is paid as required coverage will continue if you elect to continue coverage under the portability provision or in accordance with the Layoff and Leave of Absence provisions of this policy Coverage on your dependent children ends on the earliest of the date your coverage under this policy ends or the date a dependent child no longer meets the definition of dependent children Unum will provide coverage for a payable claim which occurs while you are covered under this policy THIS INSURANCE PROVIDES LIMITED BENEFITS This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and imitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form CI 1 or contact your Unum representative Underwritten by Unum Life Insurance Company of America Portland Maine 2018 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries 26

EMERGENCY TRANSPORTATION COSTS MASA MTS is here to protect its members and their families from the shortcomings of health insurance coverage by providing them with comprehensive financial protection for lifesaving emergency transportation services both at home and away fromhome Many American employers and employees believe that their health insurance policies cover most if notall ambulance expenses The truth is they DO NOT Even after insurance payments for emergency transportation you could receive a bill up to 5 000 for ground ambulance and as high as 70 000 for air ambulance The financial burdens for medical transportation costs are very real HOW MASA IS DIFFERENT Across the US there are thousands of ground ambulance providers and hundreds of air ambulance carriers ONLY MASA offers comprehensive coverage since MASA is a PAYER and not a PROVIDER ONLY MASA provides over 1 6 million members with coverage for BOTH ground ambulance and air ambulance transport REGARDLESS of which provider transports them Members are covered ANYWHERE in all 50 states and Canada Worldwide coverage is also available with our Platinum Membership Additionally MASA provides a repatriation benefit if a member is hospitalized more than 100 miles from home MASA can arrange and pay to have them transported to a hospital closer to their place of residence OUR BENEFITS Any Ground Any Air Anywhere TM Benefit Emergent Ground Transportation Emergent Air Transportation Non Emergent Air Transportation Repatriation Platinum Emergent Plus 39 Month 14 Month U S Canada U S Canada U S Canada U S Canada Worldwide U S Canada Worldwide U S Canada Es cort Trans portation Worldwi de Mortal Remains Transportation Worldwide Visitor Transportation BCA Minor Children Grandchildren BCA Return A MASA Membership prepares you for the unexpected andgives you the peaceof mind to access vital emergency medical transportation no matter where you live for aminimal monthly fee Onelow fee for the entire family NO deductibles NO health questions Easy claims process Vehicle Return BCA For more information pleasecontact Pet Return BCA Organ Retrieval U S Canada Organ Recipient Transportation U S Canada Please refer to the MSA for a detailed explanation of benefits and eligibility Basic Coverage Area BCA includes U S Canada Mexico and Caribbean excluding Cuba Your MASA Representative EVERY FAMILY DESERVES A MASA MEMBERSHIP 30

EMERGENCY TRANSPORTATION COSTS MASA MTS is here to protect its members and their families from the shortcomings of health insurance coverage by providing them with comprehensive financial protection for lifesaving emergency transportation services both at home and away fromhome Many American employers and employees believe that their health insurance policies cover most if notall ambulance expenses The truth is they DO NOT Even after insurance payments for emergency transportation you could receive a bill up to 5 000 for ground ambulance and as high as 70 000 for air ambulance The financial burdens for medical transportation costs are very real HOW MASA IS DIFFERENT Across the US there are thousands of ground ambulance providers and hundreds of air ambulance carriers ONLY MASA offers comprehensive coverage since MASA is a PAYER and not a PROVIDER ONLY MASA provides over 1 6 million members with coverage for BOTH ground ambulance and air ambulance transport REGARDLESS of which provider transports them Members are covered ANYWHERE in all 50 states and Canada Worldwide coverage is also available with our Platinum Membership Additionally MASA provides a repatriation benefit if a member is hospitalized more than 100 miles from home MASA can arrange and pay to have them transported to a hospital closer to their place of residence OUR BENEFITS Any Ground Any Air Anywhere TM Benefit Emergent Ground Transportation Emergent Air Transportation Non Emergent Air Transportation Repatriation Platinum Emergent Plus 39 Month 14 Month U S Canada U S Canada U S Canada U S Canada Worldwide U S Canada Worldwide U S Canada Es cort Trans portation Worldwi de Mortal Remains Transportation Worldwide Visitor Transportation BCA Minor Children Grandchildren BCA Return A MASA Membership prepares you for the unexpected andgives you the peaceof mind to access vital emergency medical transportation no matter where you live for aminimal monthly fee Onelow fee for the entire family NO deductibles NO health questions Easy claims process Vehicle Return BCA For more information pleasecontact Pet Return BCA Organ Retrieval U S Canada Organ Recipient Transportation U S Canada Please refer to the MSA for a detailed explanation of benefits and eligibility Basic Coverage Area BCA includes U S Canada Mexico and Caribbean excluding Cuba Your MASA Representative EVERY FAMILY DESERVES A MASA MEMBERSHIP 31