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2024 2025 A GUIDE TO YOUR BENEFITS 1

Summary of Benefits and Coverage What this Plan Covers What You Pay For Covered Services Choice Plan Coverage Period 10 01 2024 09 30 2025 Coverage for Family Plan Type EP1 The Summary of Benefits and Coverage SBC document will help you choose a health plan The SBC shows you how you and the plan would share the cost for covered health care services NOTE Information about the cost of this plan called the premium will be provided separately This is only a summary For more information about your coverage or to get a copy of the complete terms of coverage call 1 866 633 2446 or visit welcometouhc com For general definitions of common terms such as allowed amount balance billing coinsurance copayment deductible provider or other underlined terms see the Glossary You can view the Glossary at www healthcare gov sbc glossary or call 1 866 487 2365 to request a copy Important Questions What is the overall deductible Are there services covered before you meet your deductible Are there other deductibles for specific services What is the out of pocket limit for this plan What is not included in the out of pocket limit Will you pay less if you use a network provider Do you need a referral to see a specialist Answers Network 1 500 Individual 4 500 Family Per calendar year Yes Preventive care is covered before you meet your deductible No Network 5 000 Individual 10 000 Family Per calendar year Premiums balance billing charges and health care this plan doesn t cover Yes See myuhc com or call 1 866 633 2446 for a list of network providers No Why This Matters Generally you must pay all of the costs from providers up to the deductible amount before this plan begins to pay If you have other family members on the plan each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible This plan covers some items and services even if you haven t yet met the deductible amount But a copayment or coinsurance may apply For example this plan covers certain preventive services without cost sharing and before you meet your deductible See a list of covered preventive services at www healthcare gov coverage preventive care benefits You don t have to meet deductibles for specific services The out of pocket limit is the most you could pay in a year for covered services If you have other family members in this plan they have to meet their own out ofpocket limits until the overall family out of pocket limit has been met Even though you pay these expenses they don t count toward the out of pocket limit This plan uses a provider network You will pay less if you use a provider in the plan s network You will pay the most if you use an out of network provider and you might receive a bill from a provider for the difference between the provider s charge and what your plan pays balance billing Be aware your network provider might use an out of network provider for some services such as lab work Check with your provider before you get services You can see the specialist you choose without a referral Page 1 of 8

All copayment and coinsurance costs shown in this chart are after your deductible has been met if a deductible applies i Common Medical Event What You Will Pay Services You May Need Network Provider Out of Network Provider Limitations Exceptions Other Important Information You will pay the least You will pay the most If you visit a health Primary care visit to treat care provider s an injury or illness 40 copay per visit office or clinic deductible does not apply Not Covered Virtual visits No Charge by a Designated Virtual Network Provider If you receive services in addition to office visit additional copays deductibles or coinsurance may apply e g surgery Specialist visit 40 copay per visit deductible does not apply Not Covered If you receive services in addition to office visit additional copays deductibles or coinsurance may apply e g surgery Preventive care screening immunization No Charge Not Covered You may have to pay for services that aren t preventive Ask your provider if the services needed are preventive Then check what your plan will pay for If you have a test Diagnostic test x ray blood work No Charge Imaging CT PET scans MRIs 20 coinsurance None Not Covered Not Covered None For more information about limitations and exceptions see the plan or policy document at welcometouhc com Page 2 of 8

Common Medical Event Services You May Need If you need drugs Tier 1 Your Lowest to treat your illness Cost Option or condition More information about prescription drug coverage is available at welcometouhc com Tier 2 Your Mid Range Cost Option Tier 3 Your Mid Range Cost Option What You Will Pay Network Provider Out of Network Provider You will pay the least You will pay the most Retail 20 copay deductible does not apply Mail Order 40 copay deductible does not apply Specialty Retail 50 copay deductible does not apply Not Covered Retail 35 copay deductible does not apply Mail Order 70 copay deductible does not apply Specialty Retail 50 copay deductible does not apply Not Covered Retail 50 copay deductible does not apply Mail Order 100 copay deductible does not apply Specialty Retail 50 copay deductible does not apply Not Covered Limitations Exceptions Other Important Information Provider means pharmacy for purposes of this section Retail Up to a 31 day supply Mail Order Up to a 90 day supply or Preferred 90 Day Retail Network Pharmacy Specialty drugs are not covered through mail order You may need to obtain certain drugs including certain specialty drugs from a pharmacy designated by us Certain drugs may have a preauthorization requirement or may result in a higher cost If you use an out of network pharmacy including a mail order pharmacy you may be responsible for any amount over the allowed amount Certain preventive medications including certain contraceptives are covered at No Charge See the website listed for information on drugs covered by your plan Not all drugs are covered You may be required to use a lower cost drug s prior to benefits under your policy being available for certain prescribed drugs If a dispensed drug has a chemically equivalent drug at a lower tier the cost difference between drugs in addition to any applicable copay and or coinsurance Tier 4 Your Highest Cost Option Not Applicable Not Applicable For more information about limitations and exceptions see the plan or policy document at welcometouhc com Page 3 of 8

Common Medical Event If you have outpatient surgery Services You May Need Facility fee e g ambulatory surgery center Physician surgeon fees What You Will Pay Network Provider Out of Network Provider You will pay the least You will pay the most 20 coinsurance Not Covered Limitations Exceptions Other Important Information None 20 coinsurance Not Covered None If you need Emergency room care immediate medical attention Emergency medical transportation None 150 copay per visit then 150 copay per visit then 20 coinsurance 20 coinsurance 20 coinsurance None 20 coinsurance Urgent care 40 copay per visit deductible does not apply Not Covered If you receive services in addition to Urgent care visit additional copays deductibles or coinsurance may apply e g surgery If you have a hospital stay Facility fee e g hospital room Physician surgeon fees 20 coinsurance 20 coinsurance Not Covered Not Covered None None For more information about limitations and exceptions see the plan or policy document at welcometouhc com Page 4 of 8

Common Medical Event If you need mental health behavioral health or substance abuse services Services You May Need Outpatient services What You Will Pay Network Provider Out of Network Provider You will pay the least You will pay the most 40 copay per visit deductible does not apply Not Covered Limitations Exceptions Other Important Information Network Partial hospitalization intensive outpatient treatment 20 coinsurance Inpatient services 20 coinsurance Not Covered None If you are pregnant Office visits Childbirth delivery professional services No Charge 20 coinsurance Childbirth delivery facility services 20 coinsurance Not Covered Not Covered Not Covered Cost sharing does not apply for preventive services Depending on the type of service a copayment coinsurance or deductible may apply Maternity care may include tests and services described elsewhere in the SBC i e ultrasound None If you need help recovering or have other special health needs Home health care Rehabilitation services 20 coinsurance 40 copay per visit deductible does not apply Habilitative services 40 copay per visit deductible does not apply Not Covered Not Covered Not Covered Limited to 60 visits per calendar year Limits per calendar year Physical Speech Occupational Pulmonary 20 visits each Cardiac 36 visits Services are provided under and limits are combined with Rehabilitation Services above For more information about limitations and exceptions see the plan or policy document at welcometouhc com Page 5 of 8

Common Medical Event Services You May Need Skilled nursing care What You Will Pay Network Provider Out of Network Provider You will pay the least You will pay the most 20 coinsurance Not Covered Limitations Exceptions Other Important Information Limited to 60 days per calendar year combined with inpatient rehabilitation Durable medical equipment Hospice services 20 coinsurance 20 coinsurance Not Covered Not Covered Covers 1 per type of DME including repair replacement every 3 years None If your child needs Children s eye exam dental or eye care Children s glasses Not Covered Not Covered Not Covered No coverage for Children s eye exams Not Covered No coverage for Children s glasses Children s dental checkup Not Covered Not Covered No coverage for Children s Dental check up Excluded Services Other Covered Services Services Your Plan Generally Does NOT Cover Check your policy or plan document for more information and a list of any other excluded services Acupuncture Infertility treatment Private duty nursing Bariatric surgery Long term care Routine eye care Cosmetic surgery Dental care Non emergency care when travelling outside the U S Routine foot care Except as covered for Diabetes Glasses Weight loss programs For more information about limitations and exceptions see the plan or policy document at welcometouhc com Page 6 of 8

Other Covered Services Limitations may apply to these services This isn t a complete list Please see your plan document Chiropractic Manipulative care 20 visits per calendar year Hearing aids Your Rights to Continue Coverage There are agencies that can help if you want to continue your coverage after it ends The contact information for those agencies is U S Department of Labor Employee Benefits Security Administration at 1 866 444 3272 or www dol gov ebsa or the U S Department of Health and Human Services at 1877 267 2323 x61565 or www cciio cms gov Other coverage options may be available to you too including buying individual insurance coverage through the Health Insurance Marketplace For more information about the Marketplace visit www HealthCare gov or call 1 800 318 2596 Your Grievance and Appeals Rights There are agencies that can help if you have a complaint against your plan for a denial of a claim This complaint is called a grievance or appeal For more information about your rights look at the explanation of benefits you will receive for that medical claim Your plan documents also provide complete information on how to submit a claim appeal or a grievance for any reason to your plan For more information about your rights this notice or assistance contact the Member Service number listed on the back of your ID card or myuhc com or the Employee Benefits Security Administration at 1 866 444 3272 or dol gov ebsa healthreform Additionally a consumer assistance program may help you file your appeal Contact dol gov ebsa healthreform Does this plan provide Minimum Essential Coverage Yes Minimum Essential Coverage generally includes plans health insurance available through the Marketplace or other individual market policies Medicare Medicaid CHIP TRICARE and certain other coverage If you are eligible for certain types of Minimum Essential Coverage you may not be eligible for the premium tax credit Does this plan meet the Minimum Value Standards Yes If your plan doesn t meet the Minimum Value Standards you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace Language Access Services Spanish Espa ol Para obtener asistencia en Espa ol llame al 1 866 633 2446 Tagalog Tagalog Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1 866 633 2446 Chinese 1 866 633 2446 Navajo Dine Dinek ehgo shika at ohwol ninisingo kwiijigo holne 1 866 633 2446 To see examples of how this plan might cover costs for a sample medical situation see the next section For more information about limitations and exceptions see the plan or policy document at welcometouhc com Page 7 of 8

About these Coverage Examples This is not a cost estimator Treatments shown are just examples of how this plan might cover medical care Your actual costs will be different depending on the actual care you receive the prices your providers charge and many other factors Focus on the cost sharing amounts deductibles copayments and coinsurance and excluded services under the plan Use this information to compare the portion of costs you might pay under different health plans Please note these coverage examples are based on self only coverage Peg is Having a Baby 9 months of in network pre natal care and a hospital delivery The plan s overall deductible Specialist copay Hospital facility coinsurance Other coinsurance 1 000 40 20 20 Managing Joe s type 2 Diabetes a year of routine in network care of a wellcontrolled condition The plan s overall deductible Specialist copay Hospital facility coinsurance Other coinsurance 1 000 40 20 20 Mia s Simple Fracture in network emergency room visit and follow up care The plan s overall deductible Specialist copay Hospital facility coinsurance Other coinsurance 1 000 40 20 20 This EXAMPLE event includes services like Specialist office visits pre natal care Childbirth Delivery Professional Services Childbirth Delivery Facility Services Diagnostic tests ultrasounds and blood work Specialist visit anesthesia This EXAMPLE event includes services like Primary care physician office visits including disease education Diagnostic tests blood work Prescription drugs Durable medical equipment glucose meter This EXAMPLE event includes services like Emergency room care including medical supplies Diagnostic test x ray Durable medical equipment crutches Rehabilitation services physical therapy Total Example Cost 12 700 Total Example Cost 5 600 Total Example Cost 2 800 In this example Peg would pay Cost Sharing Deductibles Copayments Coinsurance What isn t covered Limits or exclusions The total Peg would pay is 1 000 10 1 800 60 2 870 In this example Joe would pay Cost Sharing Deductibles Copayments Coinsurance What isn t covered Limits or exclusions The total Joe would pay is 150 1 200 0 0 1 350 In this example Mia would pay Cost Sharing Deductibles Copayments Coinsurance What isn t covered Limits or exclusions The total Mia would pay is 1 000 400 30 0 1 430 The plan would be responsible for the other costs of these EXAMPLE covered services Page 8 of 8

We do not treat members differently because of sex age race color disability or national origin If you think you were treated unfairly because of your sex age race color disability or national origin you can send a complaint to the Civil Rights Coordinator Online UHC_Civil_Rights uhc com Mail Civil Rights Coordinator UnitedHealthcare Civil Rights Grievance P O Box 30608 Salt Lake City UTAH 84130 You must send the complaint within 60 days of when you found out about it A decision will be sent to you within 30 days If you disagree with the decision you have 15 days to ask us to look at it again If you need help with your complaint please call the toll free number listed within this Summary of Benefits and Coverage SBC TTY 711 Monday through Friday 8 a m to 8 p m You can also file a complaint with the U S Dept of Health and Human Services Online https ocrportal hhs gov ocr portal lobby jsf Complaint forms are available at http www hhs gov ocr office file index html Phone Toll free 1 800 368 1019 800 537 7697 TDD Mail U S Dept of Health and Human Services 200 Independence Avenue SW Room 509F HHH Building Washington D C 20201 We provide free services to help you communicate with us Such as letters in other languages or large print Or you can ask for an interpreter To ask for help please call the number contained within this Summary of Benefits and Coverage SBC TTY 711 Monday through Friday 8 a m to 8 p m

LUDLUM MEASUREMENTS INC Policy 010 51770 Ameritas fulfilling life Dental Plan Benefits Networks Classic Type 1 Preventive No Waiting Period Type 2 Basic No Waiting Period Type 3 Major No Waiting Period 100 Routine Exam 1 per 6 months Bitewing X rays 1 per 12 months Cleaning 1 per 6 months Restorative Amalgams Restorative Composites Simple Extractions 80 50 Surgical Extractions Endodontics nonsurgical Periodontics nonsurgical Crowns 1 in 10 years per tooth Endodontics surgical Periodontics surgical Prosthodontics Bridges Dentures 1 in 10 years Deductible Type 1 Type 2 and 3 Family Maximum Benefit Year Maximum Type 1 2 and 3 er erson per calendar year Orthodontia Benefits children under age 19 No waiting period Plan Benefit Lifetime Deductible Lifetime Maximum er erson Claims Allowance Type 1 2 and 3 In network allowance is discounted fee Monthly Rates Employee only Employee Spouse Employee Child ren Employee Spouse Child ren Rates are effective from 10 1 2024 to 10 1 2025 0 50 per person per calendar year When 3 family members satisfy their Deductible Amounts for this Calendar Year no additional Deductibles will apply to any family members for the rest of this Calendar Year 1 000 50 0 1 000 80th U C 29 60 58 56 78 64 107 56 Created 8 23 2024 1 of 2 Class 1

LUDLUM MEASUREMENTS INC Policy 010 51770 Vision Plan Benefits Annual Eye Exam Single Vision Lenses Bifocal Lenses Trifocal Lenses Lenticular Lenses Progressive Lenses Frames Contacts standard fit follow up exam Contacts elective Contacts medically necessary Covered in full Covered in full Covered in full Covered in full Covered in full See lens options 150 Member cost up to 60 _____Qp to 150 Covered in full Ameritas fulfilling life Out of Network Up to 45 Up to 30 Up to 50 Up to 65 U to 100 NA 75 0 Up to 120 Up to 210 Deductible Annual Eye Exam Eyeglass Lenses or Frames Benefit Frequencies months Exam Lens Frame 10 10 25 25 Based on Date of Service 12 12 25 Member cost for Jens options May va y by prescription options chosen and retail location Progressive Lenses Up to provider s contracted fee for Up to Lined Bifocal allowance lined Bifocal Lenses The patient is responsible for the difference between the base lens and the progressive lens charge Std Polycarbonate Covered in full for dependent No benefit children 33 adults Solid Plastic Dye 15 No benefit except Pink I II Plastic Gradient Dye 17 No benefit ScratchResistant Coating 17 33 No benefit Anti Reflective Coating 43 85 No benefit Ultraviolet Coating 16 No benefit Monthly Rates Employee only Employee Spouse Employee Child ren Employee Spouse Child ren 8 88 17 20 16 16 24 48 Rates are effective from 10 1 2024 to 10 1 2025 Created 8 23 2024 1 of 2 Class 2

CCllass 2 Term Life with Accidental Death Dismemberment AD D Insurance 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 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 100 of your life insurance benefit up to 250 000 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 Who can get Term Life coverage IIff yyoouu aarree aaccttiivveellyy aatt wwoorrkk aatt lleeaasstt 3300 hhoouurrss ppeerr wweeeekk yyoouu ccaann rreecceeiivvee ccoovveerraaggee ffoorr YYoouu YYoouu ccaann rreecceeiivvee aa bbeenneeffiitt aammoouunntt ooff 2200 000000 YYoouu ccaann ggeett uupp ttoo 2200 000000 wwiitthh nnoo mmeeddiiccaall uunnddeerrwwrriittiinngg Who can get Accidental Death Dismemberment AD D coverage You You can receive an AD D benefit amount of 20 000 No medical underwriting is required for AD D coverage EN 2046 FOR EMPLOYEES 6 22 Unum Term Life Insurance

Term Life and Accidental Death Dismemberment AD D Insurance 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 110 000 to meet your growing needs There would be no medical underwriting to qualify for 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 100 of your life insurance benefit up to 250 000 while you are still living This amount will be taken out of the death benefit and may be taxable These benefit payments may adversely affect the recipient s eligibility for Medicaid or other government benefits or entitlements 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 320 hours per week you may apply for coverage for You Choooosseeffrroomm 1100 0 000toto 5 0500 00 000i0n i n1 01 000 000 iinnccrreemmeennttss uupptoto55titmimesesyoyuorueraeranrinngins gs You can get up to 110 000 This is the amount oYfocuocvaenraggeetyuopu tcoan 1q1u0a l0if0y0fo rThwiisthisntohemedical uanmdoeurwntriotifncgo verage you can qualify for with Your sYpoouur se spouse no medical underwriting Get up to 500 000 of coverage in 5 000 iGnecrteumpetnots 5S0p0o u0s0e0coofvceoravgeeracgaenninot e5x 0c0ee0d 1yino0cu0r resmeolffe tnhtes cSopvoeruasgeecaomveoruangteyocaunpnuortcheaxsceeefodr Y1o0u0r spoof uthsee ccaonvegreatguepatmo o2u5n 0t 0y0ouwipthurncohase mfoerdyiocaulrusenldf erwriting if eligible see delayed eYfofeucrtsivpeoduastee c an get up to 25 000 with no Your children Your children Gmeetduipcatlou n1d0e 0rw00riotifncgo vief realiggeibinle 2s e0e00delayed ienfcferecmtiveentdsaitfee l igible see delayed effective date One policy covers all of your children until their 2G6etthubpirttohd a1y0 000 of coverage in 2 000 Tinhceremmaexinmtsumif ebleignibefleit fsoerechdieldlareynedliveeffbeicrtthivteo 6 mdaotnet h Os inse 1p o0l0ic0y covers all of your children until their 26th birthday Who can getTAheccmidaxeinmtuaml Dbeeantehfit foDr cishmilderemnblievermbiretnhtto AD D cove6ramgoen ths is 1 000 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 spouse Get up to 500 000 of AD D coverage for your spouse in 5 000 increments if eligible see delayed effective date Your children Get up to 10 000 of coverage for your children in 2 000 increments if eligible see delayed effective date No medical underwriting is required for AD D coverage EN 1976 FOR EMPLOYEES 6 22 Unum Term Life 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 10 01 2024 To determine your spouse rate choose the age the spouse will be when coverage becomes effective on 10 01 2024 4 Enter your cost Employee Spouse Child Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 1 ______ 000 ______ 000 ______ 000 2 10 000 ________ 5 000 ________ 2 000 ________ 3 X ______ X ______ X ______ Total cost 4 _______ _______ _______ Employee weekly rate Per 10 000 of coverage Cost 0 238 0 238 0 247 0 328 0 455 0 729 1 122 1 837 2 758 4 848 8 755 8 755 Spouse weekly rate Per 5 000 of coverage Cost 0 119 0 119 0 123 0 164 0 227 0 365 0 561 0 918 1 379 2 424 4 378 4 378 Child weekly rate 0 180 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 Employee Spouse Child 1 ______ 000 ______ 000 ______ 000 AD D 2 10 000 ________ 5 000 ________ 2 000 ________ Employee Spouse Child AD D weekly rates Coverage amount per 10 000 of coverage per 5 000 of coverage per 2 000 of coverage 3 X 0 088 X 0 044 X 0 044 Total cost 4 _______ _______ _______ Rate 0 088 0 044 0 044 Billed amount may vary slightly If you apply for coverage above the guaranteed issue amount you may be subject to medical underwriting 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 FOR EMPLOYEES 6 22 Unum Term Life 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 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 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 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1976 FOR EMPLOYEES 6 22 Unum Term Life Insurance

Short Term Disability Insurance How does it work If a covered illness or injury keeps you from working Short Term Disability Insurance replaces part of your income while you recover As long as you remain disabled you can receive payments for up to 11 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 Short Term Disability Insurance pays you a weekly benefit if you have a covered disability that keeps you from working What else is included Cesarean section benefit If you have a Cesarean section you will be considered disabled for a minimum period of eight weeks unless you return to work before the end of the time Consider your expenses Utilities Housing Groceries Transportation Child care Elder care Medical Personal care Education Insurance EN 1977 FOR EMPLOYEES 3 22 Unum 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 Cover 60 of your weekly income up to a maximum benefit of 2 500 per week The weekly benefit may be reduced or offset by other sources of income See the Legal Disclosures for more information If you don t sign up now but decide to apply later you may have to answer health questions This plan does not cover pre existing conditions See the disclosure section to learn more 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 you become disabled for 14 days Benefit duration BD The maximum number of weeks you can receive benefits while you re disabled You have a 11 week benefit duration Calculate your cost Follow the instructions on the worksheet at right to determine your cost per paycheck For step 2 Choose the age you will be when your coverage becomes effective on 10 01 2024 Disability worksheet 1 Calculate your weekly disability benefit ________ 52 ________ x 60 Your annual Your weekly Max of earnings 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 2 500 enter 2 500 ________ x 12 _______ 52 __________ Your monthly cost Your annual Number of Your cost per cost paychecks paycheck per year Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 Rates 0 180 0 379 0 525 0 426 0 315 0 345 0 448 0 629 0 814 0 986 Billed amount may vary slightly Your rate is based on your age and will increase as you move to the next age band EN 1977 FOR EMPLOYEES 3 22 Unum 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 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 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 have a 20 or more loss 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 Substantial and material acts means the important tasks functions and operations generally required by employers from those engaged in your usual occupation that cannot be reasonably omitted or modified 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 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1977 FOR EMPLOYEES 3 22 Unum Short Term Disability Insurance

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 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 Consider your expenses Utilities Housing Groceries Transportation Child care Elder care Medical Personal care Education Insurance Long Term Disability Insurance can replace part of your income if a disability keeps you out of work for a long period of time What else is included 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 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 EN 1978 FOR EMPLOYEES 3 22 Unum Long 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 Cover 60 of your monthly income up to a maximum payment of 11 000 The monthly benefit may be reduced or offset by other sources of income See the Legal Disclosures for more information This plan does not cover pre existing conditions See the disclosure section to learn more If you don t sign up now but decide to apply later you may have to answer health questions Elimination period EP Your elimination period is 90 days This is the number of days that must pass after a covered accident or illness before you can begin to receive benefits Benefit duration BD This is the maximum length of time you can receive benefits while you re disabled You can receive benefits up to the Social Security SS normal retirement age If you become disabled after your normal retirement age check with your employer for the maximum length of time applicable to you Calculate your cost Use 220 000 if your annual earnings exceed this amount This is the maximum coverage amount offered in this plan Multiply by your rate Use the rate table to find the rate based on your age Choose the age you will be when your coverage becomes effective on 10 01 2024 Disability worksheet 1 Enter your annual earnings and calculate your maximum monthly benefit available ________ 12 _______ x Your annual earnings Your monthly earnings 2 Calculate your cost per paycheck 60 Max of income covered __________ Max monthly benefit available _______ 100 _______ x _____ _______ 52 __________ Your annual earnings Rate Number of paychecks Total cost per paycheck per year Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 Billed amount may vary slightly Your rate is based on your age and will increase as you move to the next age band EN 1978 FOR EMPLOYEES 3 22 Rates 0 120 0 170 0 290 0 470 0 780 1 100 1 430 1 720 1 710 1 420 1 150 Unum Long 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 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 BD 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 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 12 months just prior to your effective date of coverage and The disability begins in the first 24 months after your effective date of coverage unless you have been treatment free from the pre existing condition for 12 consecutive months after your effective date 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 law 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 applicable 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 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 Disabilities based primarily on self reported symptoms are limited to 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 1978 FOR EMPLOYEES 3 22 Unum Long Term Disability Insurance

Group Accident Insurance How does it work Accident Insurance provides 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 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 ll have base coverage without medical underwriting 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 Can get coverage as long as you have purchased coverage for yourself Your children Dependent children from birth until their 26th birthday regardless of marital or student status Employees must be legally authorized to work in the United States and actively working at a U S location to receive coverage See Schedule of benefits for a complete listing of what is covered What s included Be Well Benefit Every year each family member who has Accident coverage can also receive 50 for getting a covered Be Well screening test such as Annual exams by a physician include sports physicals well child visits dental and vision exams Screenings for cancer including pap smear colonoscopy Cardiovascular function screenings Screenings for cholesterol and diabetes Imaging studies including chest X ray mammography Immunizations including HPV MMR tetanus influenza Organized Sports Benefit Each family member that has Accident coverage is eligible for a 10 increase in payable benefits within the Injury and Treatment schedule of benefit categories See disclosures and schedule of benefits for more information How much does it cost Your weekly premium You You and your spouse You and your children Family Option 1 2 34 4 14 5 06 6 86 EN 2073 FOR EMPLOYEES 8 23 Unum Group Accident Insurance

SCHEDULE OF BENEFITS Accidental Death and Dismemberment AD D Employee 50 000 Spouse 25 000 Children 12 500 Common Carrier Benefit can pay if the insured individual is injured as a fare paying passenger on a common carrier examples include mass transit trains buses and planes Employee 50 000 Spouse 25 000 Children 12 500 Dismemberment Both Feet 50 000 Both Hands 50 000 One Foot 25 000 One Hand 25 000 Thumb and Index Finger of the same Hand 12 500 Coma Coma 10 000 Home Vehicle Modifications Home Vehicle Modifications 1 500 Loss of Use Hearing one ear 12 500 Hearing 25 000 Sight of one Eye 25 000 Sight of both Eyes 50 000 Speech 25 000 Paralysis Uniplegia 12 500 Hemi Paraplegia 25 000 Triplegia 37 500 Quadriplegia 50 000 Hospitalization Admission 1 000 Admission Hospital ICU added to Admission 1 000 Daily Stay 365 days 300 Daily Stay Hospital ICU added to Daily Stay 300 Short Stay 200 Injury Injury due to felony sexual assault 150 Organized Sports 10 Burns Injury 2nd Degree Burns At least 5 but less than 20 of skin surface 2nd Degree Burns 20 or greater of skin surface 3rd Degree Burns Less than 5 of skin surface 3rd Degree Burns At least 5 but less than 20 of skin surface 3rd Degree Burns 20 or greater of skin surface Concussion Concussion Connective Tissue Damage One Connective Tissue tendon ligament rotator cuff muscle Two or more Connective Tissues tendon ligament rotator cuff muscle Dislocations Knee joint other than patella Ankle bone or bones of the foot other than toes Hip joint Collarbone sternoclavicular Elbow joint Hand other than Fingers Lower Jaw Shoulder Wrist joint Collarbone acromioclavicular and separation Finger or Toe Digit Kneecap patella Incomplete Dislocation Payable as a of the applicable Dislocations benefit Eye Injury Eye Injury Fractures Skull except bones of Face or Nose Depressed Hip or Thigh femur Skull except bones of Face or Nose Non depressed Vertebrae body of other than Vertebral Processes Leg mid to upper tibia or fibula Pelvis EN 2073 FOR EMPLOYEES 8 23 500 1 000 2 000 5 000 10 000 200 90 150 1 650 1 650 3 375 825 500 500 500 500 500 325 150 500 25 200 4 500 3 375 2 250 1 350 1 350 1 350 Injury Bones of the Face or Nose other than Lower Jaw Mandible or Upper Jaw Maxilla Upper Arm between Elbow and Shoulder humerus Upper Jaw Maxilla other than alveolar process Ankle lower tibia or fibula Collarbone clavicle sternum or Shoulder Blade scapula Foot or Heel other than Toes Forearm olecranon radius or ulna Hand or Wrist other than Fingers Kneecap patella Lower Jaw Mandible other than alveolar process Vertebral Processes Rib Tailbone coccyx Sacrum Finger or Toe Digit Chip Fracture Payable as a of the applicable Fractures benefit Same bone maximum incurred per accident Maximum payable multiplier for multiple bones Internal Injuries Internal Injuries Lacerations No Repair Repair Less than 2 inches Repair At least 2 inches but less than 6 inches Repair 6 inches or greater Loss of a Digit One Digit other than a Thumb or Big Toe One Digit a Thumb or Big Toe Two or more Digits Knee Cartilage Knee Cartilage Meniscus Injury Ruptured or Herniated Disc One Disc Two or more Discs Recovery Acquired Brain Injury At Home Care Physician Follow Up Visits 675 675 675 450 450 450 450 450 450 450 450 450 225 25 1 Fracture 2 Times 200 50 150 300 600 750 1 125 1 500 150 150 250 25 100 75 Unum Group Accident Insurance

SCHEDULE OF BENEFITS Recovery Physician Follow Up Maximum Visits Prescription Drug Prescription Benefit Incidence per covered accident Rehabilitation or Subacute Rehabilitation Unit Behavior Health Therapy Behavior Health Therapy visits Telehealth Service Telemedicine Medical Service Therapy Services chiro speech PT occ acupuncture alternative Therapy Services Maximum Days Surgery Dislocations Dislocation Surgical Repair Payable as a of the applicable Injury benefit Anesthesia Epidural or Regional Anesthesia General Anesthesia Connective Tissue Exploratory without Repair Repair for One Connective Tissue Repair for Two or more Connective Tissues Eye Surgery Eye Surgery Requiring Anesthesia Fractures Fractures Surgical Repair Payable as a of the applicable Injury benefit Surgical Repair same bone maximum incurred per accident Surgical Repair same bone maximum payable multiplier for multiple bones General Surgery Abdominal Thoracic or Cranial Exploratory Incidence per covered accident Hernia Surgery Hernia Surgery Knee Cartilage 2 25 1 Per Insured 100 20 15 25 25 20 15 100 100 250 100 800 1 200 300 100 1 Fracture 2 Times 1 500 150 1 Per Insured 150 Surgery Knee Cartilage Meniscus Exploratory without Repair Knee Cartilage Meniscus with Repair Outpatient Surgical Facility Outpatient Surgical Facility Ruptured or Herniated Disc Surgery Exploratory without Repair One Disc Two or more Discs Treatment Organized Sports Ambulance Air Ground Durable Medical Equipment Tier 1 arm sling cane medical ring cushion Tier 2 bedside commode cold therapy system crutches Tier 3 back brace body jacket continuous passive movement electric scooter Emergency Dental Repair Dental Crown Dental Extraction Filling or Chip Repair Imaging Tier 1 X rays or Ultrasound Tier 2 Bone Scan CAT CT EEG MR MRA or MRI Medical Imaging Incidence allowance covered accident per Tier Lodging Lodging per night Prosthetic Device One Device or Limb Two or more Devices or Limbs Skin Grafts For Burns Payable as a of the applicable Burn benefit Not Burns Less than 20 of skin surface Not Burns 20 or greater of skin surface Treatment Emergency Room Treatment EN 2073 FOR EMPLOYEES 8 23 150 750 300 125 675 1 000 Treatment Injections to Prevent or Limit Infection tetanus rabies antivenom immune globulin Pain Management Injections epidural cortisone steroid Transfusions Transportation per trip Family Care Pet Boarding per day Treatment in a Physician s Office or Urgent Care Facility initial 10 1 000 300 50 100 200 50 100 400 100 50 30 75 350 115 90 50 200 1 Per Insured Per Tier 150 750 1 500 50 250 500 100 Unum Group Accident Insurance

Organized Sports Benefit This increased benefit payment will be applied if the covered Accident occurs while playing an organized sport that required formal registration to participate and is officiated by someone certified to act in that capacity Active employment You are considered in active employment if on the day you apply for coverage you are being paid regularly for the required minimum 20 hours each week and you are performing the material and substantial duties of your regular occupation 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 New employees have a 30 day waiting period to be eligible for coverage Please contact your plan administrator to confirm your eligibility date If enrolling and eligible for Medicare age 65 or disabled the Guide to Health Insurance for People with Medicare is available at https www medicare gov publications 02110 medigap guide health insurance pdf Effective date of coverage Coverage becomes effective on the first day of the month in which payroll deductions begin Exclusions and limitations We will not pay benefits for a claim that is caused by contributed to by or occurs as the result any of the following committing or attempting to commit a felony being engaged in an illegal occupation or activity injuring oneself intentionally or attempting or committing suicide whether sane or not active participation in a riot insurrection or terrorist activity This does not include civil commotion or disorder Injury as an innocent bystander or Injury for self defense participating in war or any act of war whether declared or undeclared combat or training for combat while serving in the armed forces of any nation or authority including the National Guard or similar government organizations a Covered Loss that occurs while an Insured is legally incarcerated in a penal or correctional institution elective procedures cosmetic surgery or reconstructive surgery unless it is a result of trauma infection or other diseases any Sickness bodily infirmity or other abnormal physical condition or Mental or Nervous Disorders including diagnosis treatment or surgery for it Infection This exclusion does not apply when the infection is due directly to a cut or wound sustained in a Covered Accident experimental or investigational procedures operating any motorized vehicle while intoxicated operating learning to operate serving as a crew member of any aircraft or hot air balloon including those which are not motor driven unless flying as a fare paying passenger jumping parachuting or falling from any aircraft or hot air balloon including those which are not motor driven travel or flight in any aircraft or hot air balloon including those which are not motor driven if it is being used for testing or experimental purposes used by or for any military authority or used for travel beyond the earth s atmosphere practicing for or participating in any semi professional or professional competitive athletic contests for which any type of compensation or remuneration is received riding or driving an air land or water vehicle in a race speed or endurance contest and engaging in hang gliding bungee jumping sail gliding parasailing parakiting or BASE jumping The Accidental Death and Dismemberment Benefits are also subject to the following Exclusions We will not pay benefits for a claim that is caused by contributed to by or resulting from any of the following being intoxicated and voluntary use of or treatment for voluntary use of any prescription or non prescription drug intoxicant poison fume or other chemical substance unless taken as prescribed or directed by the Insured s Physician Additionally no benefits will be paid for a Covered Loss that occurs prior to the Coverage Effective Date End of Coverage If you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer Otherwise your coverage ends on the earliest of the the date this policy is canceled by Unum or your employer the date you are no longer in an eligible group the date your eligible group is no longer covered the date of your death the last day of the period any required premium contributions are made the last day you are in active employment However as long as premium is paid as required coverage will continue in accordance with the Continuation of your Coverage during Absences provision or if you elect to continue coverage for you your Spouse and Children under Portability of Accident Insurance We will provide coverage for a Payable Claim that occurs while you are covered under this certificate THIS IS A LIMITED BENEFITS POLICY This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this 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 certificate form GAC16 1 et al and GAC16 2 and Policy Form GAP16 1 et al in all states or contact your Unum representative Unum complies with state civil union and domestic partner laws when applicable EN 2073 FOR EMPLOYEES 8 23 Underwritten by Unum Insurance Company Portland Maine 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries Unum Group Accident Insurance

Group Critical Illness Insurance How does it work If you re diagnosed with an illness that is covered by this insurance you can receive a lump sum benefit payment You can use the money however you want Why should I buy coverage now It s more accessible when you buy it through your employer and the premiums are conveniently deducted from your paycheck Coverage is portable You may take the coverage with you if you leave the company or retire You ll be billed at home Be Well Benefit Every year each family member who has Critical Illness coverage can also receive 50 for getting a covered Be Well Benefit screening test such as Annual exams by a physician include sports physicals wellchild visits dental and vision exams Screenings for cancer including pap smear colonoscopy Cardiovascular function screenings Screenings for cholesterol and diabetes Imaging studies including chest X ray mammography Immunizations including HPV MMR tetanus influenza Who can get coverage You Your spouse Choose 10 000 20 000 or 30 000 of coverage with no medical underwriting to qualify if you apply during this enrollment Spouses can only get 100 of the employee coverage amount as long as you have purchased coverage for yourself Your children Children from live birth to age 26 are automatically covered at no extra cost Their coverage amount is 100 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 spina bifida type 1 diabetes sickle cell anemia and congenital heart disease The diagnosis must occur after the child s coverage effective date EN 1717552 FOR EMPLOYEES 9 23 Why is this coverage so valuable The money can help you pay out of pocket medical expenses like 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 and for the reoccurrence of any critical illness with the exception of skin cancer The reoccurrence benefit can pay 100 of your coverage amount Diagnoses must be at least 180 days apart or the conditions can t be related to each other What s covered Critical Illnesses Heart attack Stroke Major organ failure End stage kidney failure Sudden cardiac arrest Coronary artery disease Major 50 Coronary artery bypass graft or valve replacement Minor 10 Balloon angioplasty or stent placement Cancer conditions Invasive cancer all breast cancer is considered invasive Non invasive cancer 25 Skin cancer 500 Progressive diseases Amyotrophic Lateral Sclerosis ALS Dementia including Alzheimer s disease Multiple Sclerosis MS Parkinson s disease Huntington s Disease Lupus Muscular Dystrophy Myasthenia Gravis Systemic Sclerosis Scleroderma Addison s Disease All conditions are paid at 25 Supplemental conditions Loss of sight hearing or speech Benign brain tumor Coma Permanent Paralysis Occupational HIV Hepatitis B C or D Occupational PTSD Paid at 25 Infectious Diseases Pulmonary Embolism Transient Ischemic Attack TIA Bone Marrow Stem Cell Please refer to the certificate for complete definitions of these covered conditions Coverage may vary by state See exclusions and limitations Unum Group Critical Illness Insurance

Age under 25 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 79 80 84 85 Age under 25 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 79 80 84 85 Weekly costs Employee coverage 10 000 Spouse coverage 10 000 Be Well benefit 50 Employee Spouse 1 78 1 78 2 05 2 05 2 38 2 38 2 88 2 88 3 62 3 62 4 73 4 73 5 84 5 84 7 38 7 38 11 03 11 03 14 93 14 93 18 21 18 21 23 54 23 54 24 02 24 02 24 02 24 02 Weekly costs Employee coverage 20 000 Spouse coverage 20 000 Be Well benefit 50 Employee Spouse 3 55 3 55 4 11 4 11 4 75 4 75 5 77 5 77 7 25 7 25 9 46 9 46 11 68 11 68 14 77 14 77 22 06 22 06 29 86 29 86 36 42 36 42 47 08 47 08 48 05 48 05 48 05 48 05 Age under 25 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 79 80 84 85 Weekly costs Employee coverage 30 000 Spouse coverage 30 000 Be Well benefit 50 Employee Spouse 5 33 5 33 6 16 6 16 7 13 7 13 8 65 8 65 10 87 10 87 14 19 14 19 17 52 17 52 22 15 22 15 33 09 33 09 44 79 44 79 54 62 54 62 70 62 70 62 72 07 72 07 72 07 72 07 Active employment You are considered in active employment if on the day you apply for coverage you are being paid regularly for the required minimum 20 hours each week and you are performing the material and substantial duties of your regular occupation 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 New employees have a 30 day waiting period to be eligible for coverage Please contact your plan administrator to confirm your eligibility date If enrolling and eligible for Medicare age 65 or disabled the Guide to Health Insurance for People with Medicare is available at https www medicare gov publications 02110 medigap guide health insurance pdf EN 1717552 FOR EMPLOYEES 9 23 Unum Group Critical Illness Insurance

Your paycheck deduction will include the cost of coverage and the Be Well Benefit Actual billed amounts may vary Exclusions and limitations We will not pay benefits for a claim that is caused by contributed to by or occurs as a result of any of the following committing or attempting to commit a felony being engaged in an illegal occupation or activity injuring oneself intentionally or attempting or committing suicide whether sane or not active participation in a riot insurrection or terrorist activity This does not include civil commotion or disorder injury as an innocent bystander or injury for self defense participating in war or any act of war whether declared or undeclared combat or training for combat while serving in the armed forces of any nation or authority including the National Guard or similar government organizations voluntary use of or treatment for voluntary use of any prescription or non prescription drug alcohol poison fume or other chemical substance unless taken as prescribed or directed by the Insured s Physician being intoxicated and a Covered Loss that occurs while an Insured is legally incarcerated in a penal or correctional institution Additionally no benefits will be paid for a Covered Loss that occurs prior to the Coverage Effective Date Continuity of coverage We will provide coverage for an Insured if the Insured was covered by a similar prior policy on the day before the Policy Effective Date Coverage is subject to payment of premium and all other terms of the certificate If an employee is on a temporary Layoff or Leave of Absence on the Policy Effective Date of this certificate we will consider your temporary Layoff or Leave of Absence to have started on that date and coverage will continue for the period provided temporary Layoff or Leave of Absence under Continuation of your Coverage During Extended Absences in the certificate If you have not returned to Active Employment before any Insured s Covered Loss any benefits payable will be limited to what would have been paid by the prior carrier Covered Loss must be after the coverage effective date End of employee coverage If you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer Otherwise your coverage ends on the earliest of the date this policy is canceled by Unum or your employer 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 any required premium contributions are made or last day you are in active employment However as long as premium is paid as required coverage will continue in accordance with the Continuation of your Coverage during Absences provision or if you elect to continue coverage for you your Spouse and Children under Portability of Critical Illness Insurance Unum will provide coverage for a payable claim that occurs while you are covered under this certificate Unum complies with applicable civil union and domestic partner laws THIS INSURANCE PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this 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 Certificate Form UIC GCIC16 2 and Policy Form UIC GCIP16 2 or contact your Unum representative Underwritten by Unum Insurance Company Portland Maine 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1717552 FOR EMPLOYEES 9 23 Unum Group Critical Illness Insurance

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