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WHAT S INSIDE Employee Resources Employee Contributions Medical Dental Vision Life AD D Voluntary Life AD D Disability Insurance JS Compliance takes pride in providing a comprehensive employee benefits program and we recognize the important role employee benefits play as a critical component of your overall compensation We strive to maintain a benefits program that is rewarding and competitive The benefits plan year runs November 1st through October 31st Unless you have a qualified change instatus event that impacts your eligibility and the change is allowed under the terms of the insurance contract or plan document you cannot make changes to your benefits until the next Open Enrollment period Benefit changes must be consistent with your qualified change in status event Changes must be submitted to Human Resources within 30 days of the event documentation supporting the change will be required Who is eligible for benefits All full time employees who work a minimum of 30 hours per week are eligible for benefits For new hires benefits are effective on the first of the month following 60 days of employment In addition to enrolling yourself you may also enroll any eligible dependents Eligible dependents are defined below Spouse a person to whom you are legally married by ceremony Child ren Your biological adopted or legal dependents up to age 26 regardless of student financial and marital status coverage for a dependent child will terminate at the end of the month in which the child turns age 26 Change in Status Events Unless you have a qualified change in status event that impacts your eligibility and the change is allowed under the terms of the insurance contract or plan document you cannot make changes to the benefits you elect until the next Open Enrollment period Some examples of qualified change in status events are highlighted below Marriage or divorce Birth adoption or death Change in employment or employment status for you your spouse or your dependent child 2 Change in coverage under another employer plan such as a change made during your spouse s Open Enrollment

EMPLOYEE RESOURCES Plan Medical BlueCross BlueShield of Texas Dental Sun Life Vision Sun Life Life and Voluntary Life Insurance Sun Life Short Term and Long Term Disability Insurance Sun Life Policy Number 250848 950422 950422 950422 950422 Phone Number and Website 1 800 521 2227 www bcbs com 1 800 442 7742 www sunlifedentalbenefits com 1 800 521 2227 www vsp com eye doctor 1 800 877 7195 www sunlife com 1 800 877 7195 www sunlife com THERE S AN APP FOR THAT Many of our providers have mobile apps that provide personalized access to your benefits when and where you need it There are also a variety of FREE health and fitness related apps available Browse and download apps to your smartphone or tablet from the App Store or Google Play EMPLOYEE CONTRIBUTIONS PER PAY PERIOD Based on 52 pay periods per year Plan Features MEDICAL BlueCross BlueShield 4 250 HMO 3 000 PPO 1 500 PPO DENTAL Sun Life Dental Plan VISION Sun Life VSP Vision Employee Employee Child ren Employee Spouse 57 97 90 30 101 77 173 92 270 90 305 32 173 92 270 90 305 32 4 48 12 99 17 10 0 93 2 80 3 17 3 Family 289 86 451 49 508 87 25 61 5 03

MEDICAL PRESCRIPTION PLAN HIGHLIGHTS We offer two PPO plans and one HMO plan for you to choose from To locate a participating in network provider visit www bcbstx com Plan Features Annual Deductible Amount you must pay before the plan will begin to pay for certain services Coinsurance Cost Share Annual Out of Pocket Maximum Maximum amount you pay per year for covered expenses PREVENTIVE SERVICES Well child visits and immunizations routine GYN visit annual adult physical and other appropriate screenings as outlined in the ACA OFFICE VISITS LABS AND TESTING Primary Care Physician Visits MD Live Virtual Visits Specialist Office Visits Diagnostic Test x ray blood work Imaging CT PET scans MRIs HOSPITAL Inpatient Outpatient URGENT AND EMERGENCY CARE Urgent Care Facility Hospital Emergency Room PRESCRIPTION DRUGS Retail Pharmacy 30 day Mail Order 90 day supply OUT OF NETWORK Annual Deductible Coinsurance Annual Out of Pocket Maximum Plan Option 1 4 250 HMO S641ADT In Network YOU PAY 4 250 individual 12 750 family 30 after deductible 9 000 individual 18 000 family Plan Option 2 3 000 PPO S663CHC In Network YOU PAY 3 000 individual 9 000 family 30 after deductible 9 000 individual 18 000 family Plan Option 3 1 500 PPO G653CHC In Network YOU PAY 1 500 individual 4 500 family 20 after deductible 6 000 individual 12 000 family No charge No charge No charge 50 Copay 50 Copay 90 Copay 30 after deductible 300 per test 45 Copay 45 Copay 90 Copay 30 after deductible 250 per test 30 after deductible 40 Copay 40 Copay 80 Copay 20 after deductible 100 per test 20 after deductible 250 350 per visit 30 300 per visit 30 after after deductible deductible 20 after deductible 100 Copay 650 Copay 30 after deductible 100 Copay 600 Copay 30 after deductible 75 Copay 500 Copay 20 after deductible 0 10 20 50 70 0 10 20 50 70 0 10 20 50 70 100 120 150 250 100 120 150 250 100 120 150 250 15 70 250 350 0 30 150 300 0 30 150 300 N A 6 000 individual 3 000 individual 18 000 family 9 000 family N A 50 after deductible 40 after deductible N A Unlimited 6 000 individual 12 000 family This chart is intended for summary purposes only If there are any discrepancies the official plan documents will always govern Pre certification may be required for certain services 4

DENTAL VISION PLAN HIGHLIGHTS Dental Sun Life Financial Group We are pleased to offer you a comprehensive dental PPO plan You can visit any licensed dentist but your costs are usually lowest with an in network dentist In network dentists accept reduced fees for covered services out of network dentists may balance bill you the difference between their usual fee and what the plan pays Plan Features Network Calendar Year Deductible Amount you must pay per calendar year before the plan begins to pay benefits waived for preventive Preventive and Diagnostic Services Basic Services Major Services Annual Benefit Maximum Maximum amount the plan will pay per calendar year Out of Network Processing In Network Out of Network Sun Life Dental Network 50 individual 150 family No charge no deductible Deductible then 20 Deductible then 50 1 500 per person per calendar year plus any maximum rollover benefit 90th Percentile Limitations or waiting periods may apply for some benefits some services may be excluded from your plan These chart s are intended for summary purposes only If there are any discrepancies the plan document will always govern Dental Reimbursement for out of network services is based on the maximum contract allowances and not necessarily each dentist s submitted fees You will pay less money when you stay within the network Prevention first Make sure you take advantage of your preventive dental visits Preventive care services are not subject to the deductible and the plan covers 100 of the cost if you visit an in network provider Vision Sun Life Financial Group Your vision coverage provides a full range of vision care services You may receive care from any provider you choose but your benefits are greater when you see a participating provider in the network If you choose to receive services from an out of network provider you will be required to pay that provider at the time of service and submit a claim form for reimbursement Need to locate a participating innetwork provider To locate a participating provider visit www vsp com Plan Features Vision Exam Once every 12 months Eyeglass Frames Once every 24 months Eyeglass Lenses Once every 12 months Single Bifocal Trifocal Lenticular Contact Lenses Once every 12 months in lieu of eyeglasses In Network 10 copay Out of Network Reimbursement Up to 45 150 plan allowance 20 off balance Up to 70 25 copay 25 copay 25 copay 25 copay Elective 150 allowance 15 off balance Necessary 25 copay 5 Up to 30 Up to 50 Up to 60 Up to 100 Up to 105 Up to 210

LIFE INSURANCE Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death Accidental death and dismemberment AD D insurance provides an additional benefit if you lose your life sight hearing speech or limbs in an accident Basic Term Life and AD D Insurance Company Paid All full time employees working 30 or more hours per week are automatically enrolled in the basic life benefit While coverage is automatic is critical that you complete a beneficiary form when first enrolling in benefits You can change your beneficiary at any time and as frequently as needed Company Paid Summary Sun Life Financial Group Life Benefit Accidental Death Benefit Reduction Schedule Additional Benefits 100 of your annual salary to a maximum 100 000 100 000 By 35 65 50 70 Conversion Accelerated Death Benefit Waiver of Premium Voluntary Term Life and AD D Insurance Employee Paid All full time employees working 30 or more hours per week are eligible to enroll in additional voluntary life insurance above and beyond the employer paid benefits Voluntary term life rates are offered at heavily discounted group rates So long as you enroll when first eligible guaranteed coverage is also available to you regardless of your current health status Voluntary Employee Paid Summary Sun Life Financial Group Life AD D Benefit Employee Spouse Child ren Term Life Only Guaranteed Issue Coverage no medical questions Employee Spouse Reduction Schedule Additional Benefits 5x salary up to 300 000 5 000 100 000 cannot exceed 100 of employee amount 10 000 100 000 25 000 By 35 65 50 70 Conversion Accelerated Death Benefit Waiver of Premium During your benefits enrollment don t forget to designate a beneficiary 6

DISABILITY INSURANCE Why do you need Short Term Disability How will you pay your bills if you were sick or injured Even a short illness or injury could seriously impact your paycheck What happens when your sick time runs out Disability replaces part of your income if you are unable to work due to an accident illness or if you are expecting a new addition to your family Maternity Leave is one of the most common uses for disability insurance Fortunately all full time employees who work a minimum of 30 hours per week are automatically enrolled in Short Term Long Term Disability benefits Plan Features 100 Company Paid Benefit Percentage Weekly Maximum Amount Benefits Begin Pre Existing Conditions Clause Sun Life Financial Group 70 of monthly earnings 1 500 per month After 7 days 3 12 Why do you need Long Term Disability A lengthy disability can be devastating and is more common than you may think Long term disability may lead to a loss of income independence and financial security A disability insurance policy can help provide security when you need it most It pays you cash benefits when you re sick or hurt and can t work As an active full time employee of JS Compliance you are automatically enrolled for Long Term Disability through Sun Life Financial Group at no cost Plan Features 100 Company Paid Benefit Percentage Monthly Maximum Amount Elimination Period Benefit Duration Pre Existing Conditions Clause Sun Life Financial Group 66 67 of monthly earnings 6 000 per month 90 days To age 65 SSNRA 3 12 7

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