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Goodwin Lasiter 2024 2025 Employee Benefits Booklet

It is Open Enrollment time for GLS New Plans will be effective December 1 2024 Open Enrollment is the time when you can add dependents to the health coverage This period is from November 1 2024 to November 25 2024 Plans will be effective December 1 2024 Goodwin Lasiter pays 100 of Employee Only coverage on Medical and 50 of Employee Only coverage on Dental and Vision See summaries for more detail on each plan GLS also offers supplemental benefits through Colonial Life Accident Critical Illness with Cancer Disability Hospital Confinement and Term Life Steps to enroll 1 Visit https www employeenavigator com 2 First time users click register as a new user and follow the steps to register Company Identifier Goodwinlasiter 3 Complete your enrollment 4 Need Help Schedule a time to speak to a counselor 601 692 5678 https calendly com patrickcolonial benefits

Schedule of Coverage The following information summarizes the benefits available under the Managed Health Care Benefits section of your coverage To get the most out of your coverage it is important that you carefully read your Benefit Booklet so you are aware of plan requirements provisions and limitations and exclusions Plan RS34 BlueChoice Network Overall Payment Provisions In Network Benefits Out of Network Benefits Deductibles Calendar Year Deductible Combined In and Out of Network Applies to all Eligible Expenses Coinsurance Stop Loss Amounts 10 000 Individual 30 000 Family 5 000 Individual 15 000 Family 10 000 Individual 30 000 Family Copayment Amount Required Physician office visit consultation Urgent Care center visit Outpatient Hospital emergency room treatment room visit 40 00 Copayment Amount 65 00 Copayment Amount 100 00 outpatient Hospital emergency room treatment room visit Copayment Amount 100 00 outpatient Hospital emergency room treatment room visit Copayment Amount Maximum Lifetime Benefits Per Participant 5 000 000 Inpatient Hospital Expenses Inpatient Hospital Expenses All usual Hospital services and supplies including semiprivate room intensive care and coronary care units 75 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible Penalty for failure to Preauthorize services None 250 Medical Surgical Expenses Physician office visit consultation including lab and x ray Lab x ray in other outpatient facilities excluding Certain Diagnostic Procedures Inpatient visits and Certain Diagnostic Procedures Home Infusion Therapy Physician surgical services performed in any setting 100 of Allowable Amount after 40 00 Copayment Amount 100 of Allowable Amount 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 70 of Allowable Amount after Calendar Year Deductible 70 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible Extended Care Expenses In Network Benefits Out of Network Benefits 100 of Allowable Amount 70 of Allowable Amount Benefits used In Network and Out of Network will apply toward satisfying any day visit Calendar Year or Lifetime Maximum amounts indicated A Division of Health Care Service Corporation a Mutual Legal Reserve Company an Independent Licensee of the Blue Cross and Blue Shield Association Form No SOC CB MHC 0111R Page 1

Schedule of Coverage Skilled Nursing Facility Home Health Care Hospice Care Special Provisions Expenses Behavioral Health Services Treatment of Chemical Dependency Preauthorization is required 10 000 Calendar Year maximum 60 visits per Calendar Year 20 000 lifetime maximum Inpatient Services Inpatient treatment must be provided in a Chemical Dependency Treatment Center Behavioral Heath Practitioner services Outpatient Services Behavioral Health Practitioner expenses office setting Other outpatient services Serious Mental Illness Preauthorization is required Inpatient Services Hospital services facility Behavioral Health Practitioner services Outpatient Services Behavioral Health Practitioner expenses office setting Other outpatient services Mental Health Care includes treatment for Serious Mental Illness Preauthorization is required Inpatient Services Hospital services facility Behavioral Health Practitioner services 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 100 of Allowable Amount after 40 00 Copayment Amount 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 100 of Allowable Amount after 40 00 Copayment Amount 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 70 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 70 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible Benefits used In Network and Out of Network will apply toward satisfying any day visit Calendar Year or Lifetime Maximum amounts indicated A Division of Health Care Service Corporation a Mutual Legal Reserve Company an Independent Licensee of the Blue Cross and Blue Shield Association Form No SOC CB MHC 0111R Page 2

Schedule of Coverage Outpatient Services Behavioral Health Practitioner expenses office setting Other outpatient services Emergency Room Treatment Room Accidental Injury Emergency Care within first 48 hours including Accidental Injury Emergency Care for Behavioral Health Services Facility charges Physician charges Non Emergency Care including Non Emergency Care for Behavioral Health Services Facility charges Physician charges Urgent Care Services Urgent Care center visit including lab x ray services excluding Certain Diagnostic Procedures Services received during an Urgent Care visit Certain Diagnostic Procedures Ground and Air Ambulance Services Preventive Care Routine well baby care exams routine lab and x ray annual vision exams annual hearing exams and immunizations Note Deductibles will not be applicable to immunizations of a Dependent child 7 years of age or younger Routine annual physical exam which includes but is not limited to diagnostic examination for early detection of cervical cancer Pap smear for female Participants age 18 and over Annual screening by low dose mammography for the presence of occult breast cancer for female participants age 35 and older 100 of Allowable Amount after 40 00 Copayment Amount 75 of Allowable Amount after Calendar Year Deductible 70 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after 100 00 outpatient Hospital emergency room treatment room Copayment Amount waived if admitted and Inpatient Hospital Expenses will apply 75 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after 100 00 outpatient Hospital emergency room treatment room Copayment Amount waived if admitted and Inpatient Hospital Expenses will apply 75 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after 100 00 outpatient Hospital emergency room treatment room Copayment Amount waived if admitted and Inpatient Hospital Expenses will apply and after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 100 of Allowable Amount after 65 00 Copayment Amount 70 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible 75 of Allowable Amount after Calendar Year Deductible 100 of Allowable Amount after 40 00 Copayment Amount for Physician office visit 70 of Allowable Amount after Calendar Year Deductible 100 of Allowable Amount after 40 00 Copayment Amount 100 of Allowable Amount after 40 00 Copayment Amount 70 of Allowable Amount after Calendar Year Deductible 70 of Allowable Amount after Calendar Year Deductible Benefits used In Network and Out of Network will apply toward satisfying any day visit Calendar Year or Lifetime Maximum amounts indicated A Division of Health Care Service Corporation a Mutual Legal Reserve Company an Independent Licensee of the Blue Cross and Blue Shield Association Form No SOC CB MHC 0111R Page 3

Schedule of Coverage Outpatient facility or imaging centers 100 of Allowable Amount 70 of Allowable Amount after Calendar Year Deductible Bone mass measurement for the detection of low bone mass to determine risk of osteoporosis and fractures associated with osteoporosis for Qualified Individuals refer to your booklet for details 100 of Allowable Amount after 40 00 Copayment Amount 70 of Allowable Amount after Calendar Year Deductible Outpatient facility or imaging centers 100 of Allowable Amount 70 of Allowable Amount after Calendar Year Deductible Routine annual physical exam 100 of Allowable Amount after 40 00 Copayment Amount 70 of Allowable Amount after Calendar Year Deductible For male Participants who are at least 50 years of age and asymptomatic or at least 40 years of age with a family history of prostate cancer or another prostate cancer risk factor Diagnostic examination for the detection of prostate cancer and 100 of Allowable Amount after 40 00 Copayment Amount 70 of Allowable Amount after Calendar Year Deductible Prostate specific antigen test used for the detection of prostate cancer 100 of Allowable Amount after 40 00 Copayment Amount 70 of Allowable Amount after Calendar Year Deductible One of the following early detection tests for cardiovascular disease will be covered for a Participant who meets the age requirements and is a diabetic or has been determined to have a risk of developing coronary heart disease 75 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible Computed tomography CT scanning measuring artery calcification Maximum benefit of 200 for one test every 5 years Ultrasonography measuring carotoid intim media thickness and plaque Speech and Hearing Services Services to restore loss of or correct an impaired speech or hearing function with hearing aids Covered as any other sickness Covered as any other sickness Hearing Aids 75 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible Hearing Aids maximum Hearing Aids are subject to a 1 000 maximum amount each 36 Month period Physical Medicine Services Physical Medicine Services includes but is not limited to physical occupational and manipulative therapy 75 of Allowable Amount after Calendar Year Deductible 50 of Allowable Amount after Calendar Year Deductible Calendar Year maximum 1 500 maximum benefit each Calendar Year Benefits used In Network and Out of Network will apply toward satisfying any day visit Calendar Year or Lifetime Maximum amounts indicated A Division of Health Care Service Corporation a Mutual Legal Reserve Company an Independent Licensee of the Blue Cross and Blue Shield Association Form No SOC CB MHC 0111R Page 4

Schedule of Coverage The following chart summarizes the pharmacy benefits available under your coverage To get the most out of your coverage it is important that you carefully read the PHARMACY BENEFITS section of your Benefit Booklet so you are aware of plan requirements provisions limitations and exclusions Pharmacy Benefits Participating Pharmacy Non Participating Pharmacy member files claims Retail Pharmacy One Copayment Amount per 30 day supply up to a 90 day supply 20 00 Copayment Amount Generic Drugs 40 00 Copayment Amount Preferred Brand Name Drug 80 of Allowable Amount minus Copayment Amount Mail Order Program One Copayment Amount per 30 day supply up to a 90 day supply 60 00 Copayment Amount Non Preferred Brand Name Drug 20 00 Copayment Amount Generic Drugs 40 00 Copayment Amount Preferred Brand Name Drug XXXXXXXXXXXXXXXXXXXXXX Specialty Drugs Available In Network through Specialty Pharmacy Program One Copayment Amount per 30 day supply limited to a 30 day supply 60 00 Copayment Amount Non Preferred Brand Name Drug Specialty Pharmacy Provider 20 00 Copayment Amount Generic Specialty Drugs Other Pharmacy 40 00 Copayment Amount Preferred Brand Name Specialty Drug 60 00 Copayment Amount Non Preferred Brand Name Specialty Drug 80 of Allowable Amount minus Copayment Amount Vaccinations obtained through Pharmacies Participating Pharmacy Flu vaccine 15 Copayment Amount Non Participating Pharmacy member files claims 80 of Allowable Amount less any applicable Copayment Amount Diabetes Supplies are available under the Pharmacy Benefits portion of your Plan All provisions of this portion of the Plan will apply including any Deductibles Copayment Amounts and any pricing differences If you receive a Preferred Brand Name Drug or a Non Preferred Brand Name Drug when a Generic Drug is available you may incur additional costs Refer to the Pharmacy Benefits portion of your booklet for details Each Participating Pharmacy that has contracted with BCBSTX to provide this service may have age scheduling or other requirements that will apply so you are encouraged to contact them in advance Childhood immunizations subject to state regulations are not available under this pharmacy benefit Refer to your BCBSTX medical coverage for benefits available for childhood immunizations Preferred Drug List 1 applies Pharmacy Network A applies A Division of Health Care Service Corporation a Mutual Legal Reserve Company an Independent Licensee of the Blue Cross and Blue Shield Association Form No SOC CB RX 0112R2 Page 1

Dental Summary Preventive Basic Major Orthodontia Additional provisions Family deductible Combined deductible Combined maximum Orthodontia lifetime maximum Maximum accumulation Plan type Calendar year deductible In network Out of network 0 0 50 50 50 50 0 0 Coinsurance your policy pays In network Out of network 100 100 80 80 50 50 50 50 3 times the per person deductible amount Your deductibles that are in and out of network for basic and major services are combined Maximums for preventive basic and major procedures are combined In network calendar year maximums are 1 500 per person or non network calendar year maximums are 1 500 per person 1 500 PPO in network maximum 1 500 PPO out of network maximum Included Unscheduled Vision Summary VSP choice network Exams Prescription glasses Lenses 1 pair covered every 12 months Frames covered up to 130 every 24 months 20 off amount over allowance1 Lens enhancements Every 12 months one exam is covered in full after 10 copay 25 copay Single lenses Lined bifocal lenses Lined trifocal lenses Lenticular lenses Polycarbonate lenses for dependent children under age 18 Standard progressive lenses covered once every 12 months with a 0 copay Elective contacts Contact fitting and evaluation Necessary contacts Most other popular lens enhancements are covered after a copay saving our members an average of 30 Covered up to 130 every 12 months Contact lenses can be chosen instead of glasses Up to 60 copay Covered in full after 25 copay every 12 months Contact lenses can be chosen instead of glasses 1This can vary based on state laws and provider location Savings may not apply at participating retail chains

NEW Voluntary Benefits Available Coloma l L ife You never know when an unexpected illness or injury could leave you and your family with financial difficulties Health insurance can help but you can still have deductibles co payments and other out ofpocket expenses like time off work That s where voluntary benefits come in Goodwin Lasiter Inc now offers it s employees the option to purchase the following voluntarybenefits which are designed tocomplement your health insurance and help provide extra financial protection Meet with a benefits counselor during open enrollment to learn more and make sure you have the coverage you need Accident insurance Critical illness insurance Disability insurance Hospital confinement indemnity insurance Term life insurance

Accident Plan You do everything you can to keep your family safe but accidents do happen It s comforting to know you have help to manage the medical costs associated with accidental injuries both on and off the job Accident insurance is designed to help offset the financial effects of a covered accident with a lump sum benefit paid directly to the employee Rates per pay period l Preferred plan on off job coverage ISSUE AGE 17 99 NAMED INSURED 6 89 EMPLOYEE SPOUSE 11 37 ONE PARENT FAMILY 13 18 TWO PARENT FAMILY 17 66

Critical Illness Critical Illness insurance is designed to help employees offset the financial effects of a catastrophic illness with a lump sum benefit if an insured is diagnosed with a covered critical illness including diagnosis of Cancer The critical illness benefit is based on the amount of coverage in effect on the date of diagnosis of a critical illness See benefits below Employee chooses the benefit amount up to 50 000 Guarantee Issue up to 35 000 during initial enrollment Non tobacco rates per pay period rates ISSUE AGE NAMED INSURED 10 000 16 29 30 39 40 49 50 59 60 74 3 00 4 62 8 12 13 76 21 32 20 000 16 29 30 39 40 49 50 59 60 74 4 66 7 89 14 91 26 17 41 31 EMPLOYEE SPOUSE 4 57 6 97 12 23 21 00 32 54 7 06 11 86 22 39 39 93 63 00 ONE PARENT FAMILY 3 23 4 85 8 40 14 03 21 60 5 12 8 36 15 46 26 72 41 86 TWO PARENT FAMILY 4 80 7 20 12 51 21 28 32 82 7 53 12 33 22 94 40 48 63 56

Medical Bridge Group Hospital Indemnity Insurance is designed to help provide financial protection for covered individuals by paying a benefit due to a hospitalization Employees can use the benefits to cover out ofpocket expenses and extra bills that can occur Indemnity lump sum benefits are paid directly to the employee based on the amount of coverage listed and regardless of the actual cost of treatment Employee Chooses coverage level Guarantee Issue during initial enrollment Rates per pay period HOSPITAL CONFINEMENT LEVEL Level 3 1500 ISSUE AGE 17 49 50 59 60 64 65 99 NAMED INSURED 12 28 16 26 21 21 27 34 EMPLOYEE SPOUSE 21 02 30 22 41 50 54 73 ONE PARENT FAMILY 18 08 22 06 27 01 33 14 TWO PARENT FAMILY 26 82 36 02 47 31 60 53 HOSPITAL CONFINEMENT LEVEL Level 5 2500 ISSUE AGE 17 49 50 59 60 64 65 99 NAMED INSURED 18 81 24 66 33 03 43 95 EMPLOYEE SPOUSE 32 74 46 93 66 13 89 30 ONE PARENT FAMILY 27 38 33 23 41 60 52 52 TWO PARENT FAMILY 41 31 55 50 74 70 97 86 Short Term Disability Disability insurance replaces a portion of your income to help make ends meet if you become disabled from a covered accident or covered sickness Rates are based on Age covered income benefit period and elimination period chosen Consult with a benefit counselor for more information

Life Insurance You can purchase term life coverage through Colonial Life to further protect you and your family Coverage for spouse and dependent children available You may choose 10 15 20 or 30 year term Coverage is fully portable if you leave employment or retire Coverage is available in 1 000 increments up to five times your salary to 300 000 Minimum of 10 000 Guarantee Issue amounts available during Initial Enrollment Rates per pay period for 20 year term ISSUE AGE 10 000 25 000 25 3 10 35 3 55 45 4 47 55 8 34 65 18 93 4 97 6 11 8 41 18 07 28 41 Tobacco Rates ISSUE AGE 25 35 45 55 65 10 000 4 84 5 41 7 34 15 66 32 38 25 000 9 33 10 75 15 57 36 39 47 86 50 000 4 87 5 35 10 06 21 39 54 96 50 000 8 41 9 52 20 99 48 95 93 87 100 000 7 89 8 85 18 27 40 92 108 08 100 000 14 97 17 20 40 12 96 04 185 88 150 000 10 91 12 35 26 48 60 46 161 19 150 000 21 52 24 87 59 25 143 13 277 90

Policyholder Service Guide Getting started The easiest way to manage your business with us is through ColonialLife com To sign up for the website click Register at the top right of the home page and follow the instructions Contact us Online ColonialLife com Log in and click on Contact Us Telephone 1 800 325 4368 Hearing impaired customers 803 798 4040 If you do not have a TDD call Voiance Telephone Interpretation Services 844 495 6105 ColonialLife com Consider your options At Colonial Life our goal is to give you an excellent customer experience that is simple modern and personal For your convenience you can choose how you interact with us For the quickest service we recommend using our website which lets you do the following Review print or download a copy of your policy certificate by clicking on the My Correspondence tab Update contact information or add family member profile information for use when filing online claims Access service forms to make changes to your policy such as a beneficiary change Submit your claim using our eClaims system Check the status of your claim and view claims correspondence Access claim forms eClaims are quick and easy With the eClaims feature on ColonialLife com you can file most claims online by simply answering a few questions and uploading your supporting documentation You re able to spend less time on paperwork and we re able to process your claim faster From Colonial Life com file claims from any device It s fast easy and available 24 7 Select direct deposit to receive your benefit payment faster Easily submit additional documents Paper claims If you don t want to file online download the form you need by visiting the Claims Center page on ColonialLife com and clicking on claim and service forms You may fax your claim to 1 800 880 9325 Follow the instructions tips and videos to complete and submit your claim Underwritten by Colonial Life Accident Insurance Company Columbia SC 2017 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 8 17 43233 39

Take advantage of wellness screening benefits You can review your policy certificate for coverage details including a detailed list of wellness tests if applicable under the Policies tab at ColonialLife com If you are a Colonial Life customer and your policy includes a wellness screening benefit or wellness rider all you have to do is go online or call when you have one of the specified wellness tests Online claim filing is fast and easy Visit ColonialLife com to set up your personal account and submit your wellness screening claim electronically You can select direct deposit for your claims payment Call 1 800 325 4368 Monday through Friday 8 a m to 8 p m EST You can speak with a customer service representative or access our Automated Service Center which is available 24 hours a day seven days a week Claims made easy What you ll need Date of screening Type of wellness screening Medical provider facility s phone number where you had the screening See your policy certificate for more information ColonialLife com Wellness screening means a preventive test or biometric screening This is separate from a doctor s office visit claim Please refer to your policy certificate for details Underwritten by Colonial Life Accident Insurance Company Columbia SC 2019 Colonial Life Accident Insurance Company All rights reserved Colonial Life is a registered trademark and marketing brand of Colonial Life Accident Insurance Company 8 19 NS 13831 3

Appendix Dental Plan Summary Vision Plan Summary

Dental Plan Summary Policyholder Goodwin Lasiter Strong Group dental insurance Benefit summary for all members Your coverage renews every December 1 This summary was created on 11 01 2023 and shows benefits available at that time What s available to me Dental insurance helps pay for all or a portion of the costs associated with dental care from routine cleanings to root canals Eligibility Eligible employees Preventive Basic Major Orthodontia Additional provisions Family deductible Combined deductible Combined maximum Orthodontia lifetime maximum Maximum accumulation Plan type All active full time employees Calendar year deductible In network Out of network 0 0 50 50 50 50 0 0 Coinsurance your policy pays In network Out of network 100 100 80 80 50 50 50 50 3 times the per person deductible amount Your deductibles that are in and out of network for basic and major services are combined Maximums for preventive basic and major procedures are combined In network calendar year maximums are 1 500 per person or non network calendar year maximums are 1 500 per person 1 500 PPO in network maximum 1 500 PPO out of network maximum Included Unscheduled Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62509 15 1167267 10001 Page 1 of 5 10 2023

Who can buy coverage You may buy coverage if you re an active full time employee Seasonal temporary or contract employees aren t eligible o If you re on regularly scheduled day off holiday vacation day jury duty funeral leave or personal time off you re still considered actively at work as long as you re fulfilling your regular duties and were working the day immediately prior to your time off o You must enroll within 31 days of being eligible If you don t you ll have to wait until the next open enrollment period or qualifying event Additional eligibility requirements may apply Which procedures are covered and how often Preventive Routine exams Twice per calendar year Routine cleanings Twice per calendar year Bitewing X rays Once per calendar year Full mouth X rays Once every 60 months Fluoride Once per calendar year covered only for dependent children under age 14 Basic Sealants Emergency exams Periodontal maintenance Fillings Composite tooth colored Harmful habit appliance Covered only for dependent children under age 14 once per tooth each 36 months Subject to routine exam frequency limit If three months have passed since active surgical periodontal treatment subject to routine cleaning frequency limit Replacement fillings every 24 months Covered on posterior teeth Covered only for dependent children under age 14 Major Oral surgery General anesthesia IV sedation covered only for specific procedures Simple endodontics Complex endodontics Non surgical periodontics Simple and complex Covered only for specific procedures Root canal therapy for anterior teeth Root canal therapy for molar teeth Once per quadrant per 24 months including scaling and root planing Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62509 15 1167267 10001 Page 2 of 5 10 2023

Periodontal surgical procedures Crowns Core buildup Bridges Dentures Repairs Once per quadrant per 36 months Each 120 months per tooth if tooth cannot be restored by a filling Each 120 months per tooth 120 months old initial placement replacement 60 months old initial placement replacement Partial denture bridge crown relines rebasing tissue conditioning and adjustment to bridge denture within policy limitations Orthodontia Coverage For your dependent children Bands that are placed on a dependent child s teeth before age 19 may be covered Additional benefits Prevailing charge Maximum accumulation Periodontal program Second opinion program Cancer treatment oral health program General anesthesia program When you receive care from an out of network provider benefits will be based on the 90th percentile of the usual and customary charges Some of your unused annual benefit maximum can be carried over to the next year To qualify you must have had a dental service performed within the calendar year and used less than the maximum threshold The threshold is equal to the lesser of 50 of the out of network maximum benefit or 1 000 If the qualification is met 50 of the threshold is carried over to next year s maximum benefit Individuals with fourth quarter effective dates will start qualifying for rollover at the beginning of the next calendar year You can accumulate no more than four times the carry over amount The entire accumulation amount will be forfeited if no dental service is submitted within a calendar year If you re pregnant or have diabetes or heart disease you may receive scaling and root planing covered at 100 if dentally necessary or one additional cleaning routine or periodontal subject to deductible and coinsurance You may be eligible for second opinions from dental providers at 100 This program makes sure you get the best advice to make an informed decision about your care If you have cancer and are undergoing chemotherapy or head neck radiation therapy you may receive up to three fluoride treatments every 12 months covered at 100 plus one additional routine cleaning If you have autism Down syndrome cerebral palsy muscular dystrophy or spina bifida you may receive general anesthesia or intravenous sedation coverage Services must be administered in a dental office All other contractual limitations apply Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62509 15 1167267 10001 Page 3 of 5 10 2023

How do I find a network dentist When you receive services from a dentist in our network your cost may be lower Network dentists agree to lower their fees for dental services and not charge you the difference You ll have access to the Principal Plan Dental network with more than 117 000 dentists nationwide Visit principal com dentist to find a dentist or call 800 247 4695 What if my dentist isn t in the network You can refer your dentist to our network Please submit the dentist s name and information by calling 800 247 4695 or submitting a form at principal com refer dental provider What are the limitations and exclusions of my coverage Missing tooth provision This means the initial placement of bridges partials dentures and implant services to replace teeth missing before this coverage starts may not be covered If the policy your employer purchased replaces coverage with another carrier continuous coverage under the prior plan may be applied and you may be eligible for coverage to replace teeth missing before this coverage started Your effective date with your current employer along with the employer s effective date with Principal are used to determine coverage MIssing tooth provision doesn t apply to pediatric essential benefits Frequency limitations for services are calculated to the month and exact date from the last date of service or placement date There are additional limitations to your coverage Please review your booklet for more information We strongly recommend submitting a predetermination to determine benefits What are the restrictions of my coverage Orthodontia If there is orthodontia ortho treatment in progress on the coverage effective date and you are covered under any prior group coverage for ortho there will be immediate coverage for treatment if proof is submitted that shows 1 The lifetime maximum under any prior group coverage has not been exceeded 2 Ortho treatment was started and bands or appliances were inserted while insured under any prior group coverage and 3 Ortho treatment has been continued while insured under this policy Principal Life will credit payments made by the prior carrier toward the Principal Life lifetime ortho payment limit You will not be covered if ortho treatment is in progress prior to the effective date with Principal Life and you are not covered under any prior group coverage for ortho There are additional limitations to your coverage A complete list is included in your booklet U1P1 Yes U1P2 No U2P1 Yes U2P2 No U3P1 Yes U3P2 No Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62509 15 1167267 10001 Page 4 of 5 10 2023

Vision Plan Summary Policyholder Goodwin Lasiter Strong Group vision Benefit summary for all members Your coverage renews every December 1 This summary was created on 11 01 2023 and shows benefits available at that time What s available to me Vision insurance is offered through Principal and VSP Vision Care It provides choice flexibility and savings through a VSP doctor If you buy this coverage an established network of VSP doctors will provide quality care for you and your dependents VSP choice network Exams Prescription glasses Lenses 1 pair covered every 12 months Frames covered up to 130 every 24 months 20 off amount over allowance1 Lens enhancements Every 12 months one exam is covered in full after 10 copay 25 copay Single lenses Lined bifocal lenses Lined trifocal lenses Lenticular lenses Polycarbonate lenses for dependent children under age 18 Standard progressive lenses covered once every 12 months with a 0 copay Elective contacts Contact fitting and evaluation Necessary contacts Most other popular lens enhancements are covered after a copay saving our members an average of 30 Covered up to 130 every 12 months Contact lenses can be chosen instead of glasses Up to 60 copay Covered in full after 25 copay every 12 months Contact lenses can be chosen instead of glasses 1This can vary based on state laws and provider location Savings may not apply at participating retail chains Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62454 7 1167267 10001 Page 1 of 4 05 2023

Who can buy coverage You may buy coverage if you re an active full time employee Seasonal temporary or contract employees can t purchase o If you re on regularly scheduled day off holiday vacation day jury duty funeral leave or personal time off you re still considered actively at work as long as you re fulfilling your regular duties and were working the day immediately prior to your time off o You must enroll within 31 days of being eligible If you don t you ll have to wait until the next open enrollment period If you re covered you may buy coverage for your dependents Additional eligibility requirements may apply What s the difference between elective and necessary contacts Elective when vision can be corrected by glasses but contacts are worn Necessary when vision can t be corrected with glasses due to extreme vision problems Why am I charged an additional copay for contact fitting and evaluation Contact lens wearers require an additional evaluation of the eyes measurements and possible follow up appointments for fitting and training on proper use of contact lenses For these additional services you won t pay more than 60 at in network providers Are benefits the same for all VSP doctors Yes with the exception of Costco Walmart and Sam s Club The frame allowance at these locations is 70 which is equivalent to a 130 allowance at other VSP doctor locations Not all providers at participating retail chains are in network for exam services Benefits may also vary by location due to state law How do I find a VSP doctor Visit vsp com to locate VSP doctors close to you or to see if your current eye care professional is in the VSP network o You ll need to choose the Choice doctor network to view the VSP doctors for your coverage Call 800 877 7195 Will I get an ID card Yes your card will have a unique member ID that your doctor will use to verify benefits Will my doctor submit my claim If you re seeing a VSP doctor they ll submit the claim for you If you re seeing someone outside the VSP network you re responsible for submitting your own claim You can get that form from vsp com after logging in as a member using your member ID Or call 800 877 7195 Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62454 7 1167267 10001 Page 2 of 4 05 2023

Are there any additional savings with VSP Glasses and sunglasses you can save an average of 20 25 off glasses or sunglasses from any VSP doctor within 12 months of your last covered vision exam Laser vision correction you pay an average of 15 off the regular price and 5 off the promotional price You ll only receive these discounts from contracted clinics Go to VSP com and register using your member ID to see the laser vision promotions and find a contracted clinic These savings can vary based on state laws and provider location What benefits do I receive if my doctor is outside VSP s network Covered charges Benefit Frequency Exams Up to 45 Once every 12 months Single lenses Up to 30 One pair every 12 months Lined bifocal lenses Up to 50 One pair every 12 months Lined trifocal lenses Up to 65 One pair every 12 months Lenticular lenses Up to 100 One pair every 12 months Frames Up to 70 One set every 24 months Elective contacts Up to 105 Contacts are instead of frames and lenses Necessary contacts Up to 210 Contacts are instead of frames and lenses What are the limitations of my benefits Visual analysis or vision aids that aren t medically necessary aren t covered No benefits will be paid for o Non prescription glasses o Medical or surgical treatment of the eyes o Claims submitted by a doctor who is part of your family Once enrolled you ll receive a booklet with more details regarding your plan limitations and exclusions Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62454 7 1167267 10001 Page 3 of 4 05 2023

Texas Department of Insurance Notice Preferred Provider Benefit Plan You have the right to an adequate network of preferred providers also known as network providers If you believe that the VSP network is inadequate you may file a complaint with the Texas Department of Insurance You have the right in most cases to obtain estimates in advance from out of network providers of what they will charge for their services and from VSP of what it will pay for the services You may obtain a current directory of VSP preferred providers at the following website https www vsp com or by calling 1 800 877 7195 for assistance in finding available preferred providers If you are treated by a provider that is not a preferred provider you may be billed for anything not paid by VSP If the VSP directory information is materially inaccurate and you rely on it you may be entitled to have an out of network claim paid at the in network level of reimbursement and your out of network expenses counted toward your in network copayment and maximum payment limit GH 198 TX VSP principal com This is a summary of vision coverage insured by or with administrative services provided by Principal Life Insurance Company This outline is a brief description of your coverage It is not an insurance contract or a complete statement of the rights benefits limitations and exclusions of the coverage If there is a discrepancy between the policy and this document the actual policy provision prevails For complete coverage details refer to the booklet 2023 Principal Financial Services Inc Principal Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services Inc a member of the Principal Financial Group Insurance issued by Principal Life Insurance Company 711 High Street Des Moines IA 50392 GP62454 7 1167267 10001 Page 4 of 4 05 2023