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2023-2024 EMPLOYEE BENEFIT GUIDE1

Base HDHP The following chart presents only the highlights of your medical plan. More detailed information can be found in the Summary Plan Description (SPD). If discrepancies arise between this summary and the SPD, the latter will govern. In-Network Out-of-Network Calendar Year Deductible $5,000 $10,000 Individual Family $7,500 $15,000 Individual Family Out-of-Pocket Maximum $6,250 $12,500 Individual Family $10,000 $20,000 Individual Family Preventive Care 100% covered 50% after deductible Primary Care Physician 20% after deductible 50% after deductible Specialist 20% after deductible 50% after deductible Lab & X-Ray 20% after deductible 50% after deductible Complex Imaging 20% after deductible 50% after deductible Urgent Care 20% after deductible 50% after deductible Emergency Care 20% after deductible Hospitalization 20% after deductible 50% after deductible copays do not apply until the Medical deductible has been met Retail Pharmacy Generic $10 copay Preferred Brand $35 copay Non-Preferred Brand $60 copay Mail Order 2x retail copay Specialty $60 copay

NEW Silver PPO The following chart presents only the highlights of your medical plan. More detailed information can be found in the Summary Plan Description (SPD). If discrepancies arise between this summary and the SPD, the latter will govern. In-Network Out-of-Network Calendar Year Deductible $4,000 $8,000 Individual Family $15,000 $30,000 Individual Family Out-of-Pocket Maximum $6,350 $12,700 Individual Family $40,000 $80,000 Individual Family Preventive Care 100% covered 50% after deductible Primary Care Physician $35 copay 50% after deductible Specialist $70 copay 50% after deductible Lab & X-Ray subject to office visit copay 50% after deductible Complex Imaging $400 copay, per image 50% after deductible Urgent Care $100 copay, per visit 50% after deductible Emergency Care $400 copay, per visit Hospitalization 20% after deductible 50% after deductible Retail Pharmacy Generic $15 copay Preferred Brand $45 copay Non-Preferred Brand $85 copay Mail Order 2x retail copay Specialty $85 copay

NEW Gold PPO The following chart presents only the highlights of your medical plan. More detailed information can be found in the Summary Plan Description (SPD). If discrepancies arise between this summary and the SPD, the latter will govern. In-Network Out-of-Network Calendar Year Deductible $1,500 $3,000 Individual Family $9,000 $18,000 Individual Family Out-of-Pocket Maximum $5,000 $10,000 Individual Family $45,000 $90,000 Individual Family Preventive Care 100% covered 50% after deductible Primary Care Physician $25 copay 50% after deductible Specialist $50 copay 50% after deductible Lab & X-Ray subject to office visit copay 50% after deductible Complex Imaging $300 copay, per image 50% after deductible Urgent Care $75 copay, per visit 50% after deductible Emergency Care $300 copay, per visit Hospitalization 20% after deductible 50% after deductible Retail Pharmacy Generic $15 copay Preferred Brand $45 copay Non-Preferred Brand $85 copay Mail Order 2x retail copay Specialty $85 copay

Platinum PPO The following chart presents only the highlights of your medical plan. More detailed information can be found in the Summary Plan Description (SPD). If discrepancies arise between this summary and the SPD, the latter will govern. In-Network Out-of-Network Calendar Year Deductible $750 $2,250 Individual Family $3,000 $9,000 Individual Family Out-of-Pocket Maximum $3,500 $7,000 Individual Family $6,250 $12,500 Individual Family Preventive Care 100% covered 40% after deductible Primary Care Physician $25 copay 40% after deductible Specialist $50 copay 40% after deductible Lab & X-Ray subject to office visit copay 40% after deductible Complex Imaging $300 copay, per image 40% after deductible Urgent Care $75 copay, per visit 40% after deductible Emergency Care $300 copay, per visit Hospitalization 20% after deductible 40% after deductible Retail Pharmacy Generic $15 copay Preferred Brand $45 copay Non-Preferred Brand $85 copay Mail Order 2x retail copay Specialty $85 copay

DN-GCERT-GOLD GCERT ER Dental Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0122019082[exp0323][xNM] Dental Metropolitan Life Insurance Company Plan Design for: Nations Roof Llc Original Plan Effective Date: November 1, 2022 Network: PDP Plus The Preferred Dentist Program was designed to help you get the dental care you need and help lower your costs. You get benefits for a wide range of covered services — both in and out of the network. The goal is to deliver cost-effective protection for a healthier smile and a healthier you. Coverage Type: In-Network1 % of Negotiated Fee2 Out-of-Network1 % of R&C Fee4 Type A - Preventive 100% 100% Type B - Basic Restorative 80% 80% Type C - Major Restorative 50% 50% Type D - Orthodontia 50% 50% Deductible3 Individual $50 $50 Family $150 $150 Annual Maximum Benefit: Per Individual $2000 $2000 Orthodontia Lifetime Maximum - Ortho applies to Adult and Child Child to age 19 $1500 per Person $1500 per Person 1. "In-Network Benefits" refers to benefits provided under this plan for covered dental services that are provided by a participating dentist. "Out-of-Network Benefits" refers to benefits provided under this plan for covered dental services that are not provided by a participating dentist. Utilizing an out-of-network dentist for care may cost you more than using an in-network dentist. 2. Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. 3. Applies to Type B and C services only. 4. Out-of-network benefits are payable for services rendered by a dentist who is not a participating provider. The Reasonable and Customary charge is based on the lowest of: • the dentist’s actual charge (the 'Actual Charge'), • the dentist’s usual charge for the same or similar services (the 'Usual Charge') or • the usual charge of most dentists in the same geographic area for the same or similar services as determined by MetLife (the 'Customary Charge'). For your plan, the Customary Charge is based on the 90th percentile. Services must be necessary in terms of generally accepted dental standards.

DN-GCERT-GOLD GCERT ER Dental Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0122019082[exp0323][xNM] Understanding Your Dental Benefits Plan The Preferred Dentist Program is designed to provide the dental coverage you need with the features you want. Like the freedom to visit the dentist of your choice – in or out of the network. . If you receive in-network services, you will be responsible for any applicable deductibles, cost sharing, negotiated charges after benefit maximums are met, and costs for non-covered services. If you receive out-of-network services, you will be responsible for any applicable deductibles, cost sharing, charges in excess of the benefit maximum, charges in excess of the negotiated fee schedule amount or R&C Fee, and charges for non-covered services. • Plan benefits for in-network covered services are based on a percentage of the Negotiated fee – the Fee that participating dentists have agreed to accept as payment in full for covered services, subject to any deductibles, copayments, cost sharing and benefit maximums. Negotiated fees are subject to change. • Plan benefits for out-of-network services are based on a percentage of the Reasonable and Customary (R&C) charge. If you choose a dentist who does not participate in the network, your out-of-pocket expenses may be greater. Once you’re enrolled you may take advantage of online self-service capabilities with MyBenefits. • Check the status of your claims • Locate a participating dentist • Access MetLife’s Oral Health Library • Elect to view your Explanation of Benefits online To register, just go to www.metlife.com/mybenefits and follow the easy registration instructions.

DN-GCERT-GOLD GCERT ER Dental Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0122019082[exp0323][xNM] Selected Covered Services and Frequency Limitations* Type A - Preventive How Many/How Often: Oral Examinations 2 in 12 months Full Mouth X-rays 1 in 36 months Bitewing X-rays (Adult/Child) 1 in a year Prophylaxis - Cleanings 2 in 12 months Topical Fluoride Applications 2 in 12 months - Children to age 16 Sealants 1 in 36 months - Children to age 16 Space Maintainers 1 per lifetime per tooth area - Children up to age 16 Emergency Palliative Treatment Type B - Basic Restorative How Many/How Often: Amalgam and Composite Fillings 1 in 24 months. Endodontics Root Canal 1 per tooth per lifetime Periodontal Surgery 1 in 36 months per quadrant Periodontal Scaling & Root Planing 1 in 24 months per quadrant Periodontal Maintenance 4 in 1 year, includes 2 cleanings Oral Surgery (Simple Extractions) Oral Surgery (Surgical Extractions) Other Oral Surgery General Anesthesia Consultations 2 in 12 months Harmful Habits Appliances Type C - Major Restorative How Many/How Often: Crowns/Inlays/Onlays 1 per tooth in 60 months Prefabricated Crowns 1 per tooth in 60 months Repairs 1 in 12 months Bridges 1 in 60 months Dentures 1 in 60 months Type D – Orthodontia • Adult and Child Coverage. Dependent children up to age 19. Age limitations may vary by state. Please see your Plan description for complete details. In the event of a conflict with this summary, the terms of the certificate will govern. • All dental procedures performed in connection with orthodontic treatment are payable as Orthodontia. • Benefits for the initial placement will not exceed 20% of the Lifetime Maximum Benefit Amount for Orthodontia. Periodic follow-up visits will be payable on a monthly basis during the scheduled course of the orthodontic treatment. Allowable expenses for the initial placement, periodic follow-up visits and procedures performed in connection with the orthodontic treatment, are all subject to the Orthodontia coinsurance level and Lifetime Maximum Benefit Amount as defined in the Plan Summary. • Orthodontic benefits end at cancellation of coverage *Alternate Benefits: Where two or more professionally acceptable dental treatments for a dental condition exist, reimbursement is based on the least costly treatment alternative. If you and your dentist have agreed on a treatment that is more costly than the treatment upon which the plan benefit is based, you will be responsible for any additional payment responsibility. To avoid any misunderstandings, we suggest you discuss treatment options with your dentist before services are rendered, and obtain a pretreatment estimate of benefits prior to receiving certain high cost services such as crowns, bridges or dentures. You and your dentist will each receive an Explanation of Benefits (EOB) outlining the services provided, your plan’s reimbursement for those services, and your out-of-pocket expense. Actual payments may vary from the pretreatment estimate depending upon annual maximums, plan frequency limits, deductibles and other limits applicable at time of payment. The service categories and plan limitations shown above represent an overview of your Plan of Benefits. This document presents many services within each category, but is not a complete description of the Plan. Please see your Plan description/Insurance certificate for complete details. In the event of a conflict with this summary, the terms of your insurance certificate will govern.

DN-GCERT-GOLD GCERT ER Dental Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0122019082[exp0323][xNM] We will not pay Dental Insurance benefits for charges incurred for: 1. Services which are not Dentally Necessary, those which do not meet generally accepted standards of care for treating the particular dental condition, or which We deem experimental in nature; 2. Services for which You would not be required to pay in the absence of Dental Insurance; 3. Services or supplies received by You or Your Dependent before the Dental Insurance starts for that person; 4. Services which are primarily cosmetic (For residents of Texas, see notice page section in your certificate). 5. Services which are neither performed nor prescribed by a Dentist except for those services of a licensed dental hygienist which are supervised and billed by a Dentist and which are for: • scaling and polishing of teeth; or • fluoride treatments. For NY Sitused Groups, this exclusion does not apply. 6. Services or appliances which restore or alter occlusion or vertical dimension. 7. Restoration of tooth structure damaged by attrition, abrasion or erosion. 8. Restorations or appliances used for the purpose of periodontal splinting. 9. Counseling or instruction about oral hygiene, plaque control, nutrition and tobacco. 10. Personal supplies or devices including, but not limited to: water piks, toothbrushes, or dental floss. 11. Decoration, personalization or inscription of any tooth, device, appliance, crown or other dental work. 12. Missed appointments. 13. Services • covered under any workers’ compensation or occupational disease law; • covered under any employer liability law; • for which the employer of the person receiving such services is not required to pay; or • received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital. For North Carolina and Virginia Sitused Groups, this exclusion does not apply. 14. Services paid under any worker’s compensation, occupational disease or employer liability law as follows: • for persons who are covered in North Carolina for the treatment of an Occupational Injury or Sickness which are paid under the North Carolina Workers’ Compensation Act only to the extent such services are the liability of the employee, employer or workers’ compensation insurance carrier according to a final adjudication under the North Carolina Workers’ Compensation Act or an order of the North Carolina Industrial Commission approving a settlement agreement under the North Carolina Workers’ compensation Act; • or for persons who are not covered in North Carolina, services paid or payable under any workers compensation or occupational disease law. This exclusion only applies for North Carolina Sitused Groups. 15. Services: • for which the employer of the person receiving such services is required to pay; or • received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital. This exclusion only applies for North Carolina Sitused Groups. 16. Services covered under any workers' compensation, occupational disease or employer liability law for which the employee/or Dependent received benefits under that law. This exclusion only applies for Virginia Sitused Groups. 17. Services: • for which the employer of the person receiving such services is not required to pay; or • received at a facility maintained by the policyholder, labor union, mutual benefit association, or VA hospital. This exclusion only applies for Virginia Sitused Groups. 18. Services covered under other coverage provided by the Employer. 19. Temporary or provisional restorations. 20. Temporary or provisional appliances. 21. Prescription drugs. 22. Services for which the submitted documentation indicates a poor prognosis. 23. The following when charged by the Dentist on a separate basis: • claim form completion; • infection control such as gloves, masks, and sterilization of supplies; or • local anesthesia, non-intravenous conscious sedation or analgesia such as nitrous oxide. 24. Dental services arising out of accidental injury to the teeth and supporting structures, except for injuries to the teeth due to chewing or biting of food. For NY Sitused Groups, this exclusion does not apply. 25. Caries susceptibility tests. 26. Initial installation of a fixed and permanent Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 27. Other fixed Denture prosthetic services not described elsewhere in this certificate. 28 Precision attachments. 29. Initial installation or replacement of a full or removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 30. Addition of teeth to a partial removable Denture to replace one or more natural teeth which were missing before such person was insured for Dental Insurance, except for congenitally missing natural teeth. 31. Adjustment of a Denture made within 6 months after installation by the same Dentist who installed it. 32. Diagnosis and treatment of temporomandibular joint (TMJ) disorders. This exclusion does not apply to residents of Minnesota.1

DN-GCERT-GOLD GCERT ER Dental Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0122019082[exp0323][xNM] 33. Repair or replacement of an orthodontic device.1 34. Duplicate prosthetic devices or appliances. 35. Replacement of a lost or stolen appliance, Cast Restoration, or Denture. 36. Intra and extraoral photographic images. 37. Services or supplies furnished as a result of a referral prohibited by Section 1-302 of the Maryland Health Occupations Article. A prohibited referral is one in which a Health Care Practitioner refers You to a Health Care Entity in which the Health Care Practitioner or Health Care Practitioner’s immediate family or both own a Beneficial Interest or have a Compensation Agreement. For the purposes of this exclusion, the terms “Referral”, “Health Care Practitioner” , “Health Care Entity”, “Beneficial Interest” and Compensation Agreement have the same meaning as provided in Section 1-301 of the Maryland Health Occupations Article. This exclusion only applies for Maryland Sitused Groups 1Some of these exclusions may not apply. Please see your Certificate of Insurance.

DN-GCERT-GOLD GCERT ER Dental Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0122019082[exp0323][xNM] Common Questions … Important Answers Who is a participating dentist? A participating, or network, dentist is a general dentist or specialist who has agreed to accept negotiated fees as payment in full for covered services provided to plan members, subject to any deductibles, copayments, cost sharing and benefit maximums. Negotiated fees typically range from 30-45% below the average fees charged in a dentist’s community for the same or substantially similar services.* In addition to the standard MetLife network, your employer may provide you with access to a select network of dental providers that may be unique to your employer’s dental program. When visiting these providers, you may receive a better benefit, have lower out-of-pocket costs and/or have access to care at facilities at your worksite. Please sign into MyBenefits for more details. * Based on internal analysis by MetLife. Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change. Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often members visit a dentist and the cost of services rendered. Negotiated fees are subject to change. How do I find a participating dentist? There are thousands of general dentists and specialists to choose from nationwide --so you are sure to find one that meets your needs. You can receive a list of these participating dentists online at www.metlife.com/dental or call 1-800-275-4638 to have a list faxed or mailed to you. What services are covered by my plan? Please see your Certificate of Insurance for a list of covered services. May I choose a non-participating dentist? Yes. You are always free to select the dentist of your choice. However, if you choose a non-participating (out-of-network) dentist, your out-of-pocket costs may be greater than your out-of-pocket costs when visiting an in-network dentist. Can my dentist apply for participation in the network? Yes. If your current dentist does not participate in the network and you would like to encourage him or her to apply, ask your dentist to visit www.metdental.com, or call 1-866-PDP-NTWK for an application.* The website and phone number are for use by dental professionals only. * Due to contractual requirements, MetLife is prevented from soliciting certain providers. How are claims processed? Dentists may submit your claims for you which means you have little or no paperwork. You can track your claims online and even receive email alerts when a claim has been processed. If you need a claim form, visit www.metlife.com/dental or request one by calling 1-800-275-4638. Can I get an estimate of what my out-of-pocket expenses will be before receiving a service? Yes. You can ask for a pretreatment estimate. Your general dentist or specialist usually sends MetLife a plan for your care and requests an estimate of benefits. The estimate helps you prepare for the cost of dental services. We recommend that you request a pre-treatment estimate for services in excess of $300. Simply have your dentist submit a request online at www.metdental.com or call 1-877-MET-DDS9. You and your dentist will receive a benefit estimate for most procedures while you are still in the office. Actual payments may vary depending upon plan maximums, deductibles, frequency limits and other conditions at time of payment. Can MetLife help me find a dentist outside of the U.S. if I am traveling? Yes. Through international dental travel assistance services* you can obtain a referral to a local dentist by calling +1-312-356-5970 (collect) when outside the U.S. to receive immediate care until you can see your dentist. Coverage will be considered under your out-of-network benefits.** Please remember to hold on to all receipts to submit a dental claim. *International Dental Travel Assistance services are administered by AXA Assistance USA, Inc. (AXA Assistance). AXA Assistance provides dental referral services only. AXA Assistance is not affiliated with MetLife and any of its affiliates, and the services they provide are separate and apart from the benefits provided by MetLife. Referral services are not available in all locations. ** Refer to your Certificate of Insurance for your out-of-network dental coverage. How does MetLife coordinate benefits with other insurance plans? Coordination of benefits provisions in dental benefits plans are a set of rules that are followed when a patient is covered by more than one dental benefits plan. These rules determine the order in which the plans will pay benefits. If the MetLife dental benefit plan is primary, MetLife will pay the full amount of benefits that would normally be available under the plan. If the MetLife dental benefit plan is secondary, most coordination of benefits provisions require MetLife to determine benefits after benefits have been determined under the primary plan. The amount of benefits payable by MetLife may be reduced due to the benefits paid under the primary plan. Do I need an ID card?

DN-GCERT-GOLD GCERT ER Dental Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0122019082[exp0323][xNM] No, You do not need to present an ID card to confirm that you are eligible. You should notify your dentist that you are enrolled in a MetLife Dental Plan. Your dentist can easily verify information about your coverage through a toll-free automated Computer Voice Response system. Do my dependents have to visit the same dentist that I select? No. You and your dependents each have the freedom to choose any dentist. If I do not enroll during my initial enrollment period can I still purchase Dental Insurance at a later date? Yes, employees who do not elect coverage during enrollment period may still elect coverage later. Dental coverage would be subject to the following waiting periods. • No waiting period on Preventive Services • 6 months on Basic Restorative (Fillings) • 12 months on all other Basic Services • 24 months on Major Services • 24 months on Orthodontia Services (if applicable) Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166. Like most group benefits programs, MetLife group benefits programs contain certain exclusions, waiting periods, reductions and terms for keeping them in force. The certificate of insurance sets forth the plan terms and provisions, including the exclusions and limitations.

VI-STAND Vision Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0222020327[exp0323][All States] Nations Roof LLC Vision Plan Summary With your Davis Vision Preferred Provider Organization Plan, you can: • Go to any licensed Davis vision provider and receive coverage. Just remember your benefit dollars go further when you stay in network. • Choose from a large network of ophthalmologists, optometrists and opticians, from private practices to retailers like Costco® Optical, Walmart, Sam’s Club and Visionworks. In-network value added features: Additional savings on lens enhancements:5 Average 20-25% savings over retail on all lens enhancements not otherwise covered under the Davis Vision Insurance program. Additional savings on glasses and sunglasses:5 Members may receive 50% off of additional complete pairs of eyeglasses and sunglasses at Visionworks or 30% off at other participating providers on the same transaction. Otherwise, a 20% discount off the provider’s usual and customary rate may be available. Additional savings on frames:5 20% off any amount over your frames allowance. Laser vision correction:5 Savings of 40% - 50% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers. In-network benefits There are no claims for you to file when you go to an in-network Davis vision provider. Simply pay any copays or member out of pocket amount (MOOP) and, if applicable, any amount over your frame/contact allowance at the time of service Frequency Eye exam Once every 12 months • Eye health exam, dilation, prescription and refraction for glasses: Covered in full after $10 copay. • Retinal imaging: Up to a $40 copay on routine retinal screening when performed by a private practice. Frame Once every 24 months • Allowance: $130 after $25 eyewear copay1. You will receive an additional 20% savings on the amount that you pay over your allowance. OR • Exclusive Collection Frame Copay (in lieu of Allowance) Fashion / Designer / Premier: Covered in full / Covered in full / Covered in full. Participating private practice providers typically do not display the Collection but are contractually required to maintain a comparable selection (in both quantity and quality) of frames that would be covered, with no additional member out-of-pocket expense. Special lens designs, materials, powers and frames may require additional cost. Collection is available at most participating independent provider offices. Collection is subject to change. Standard corrective lenses Once every 12 months • Single vision, lined bifocal, lined trifocal, lenticular: Covered in full after $25 eyewear copay1. Standard lens enhancements2 Once every 12 months • Standard Polycarbonate (child up to age 18)3 : Covered in full after $25 eyewear copay1. • Progressive Standard, Progressive Premium/Custom, Standard Polycarbonate (adult)3, UV coating, Scratch-resistant coatings, Solid or Gradient Tints, Anti-reflective, Photochromic, Blue Light filtering, Digital Single Vision, Polarized, High Index (1.67 / 1.74): Your cost will be limited to a member out of pocket amount (MOOP) that MetLife has negotiated for you. These amounts may be viewed after enrollment at www.metlife.com/mybenefits. 1 Materials co-pay applies to lenses and frames only, not contact lenses. 2 The above list highlights some of the most popular lens enhancements and is not a complete listing. 3 Polycarbonate lenses are covered for dependent children, monocular patients, and patients with prescriptions +/- 6.00 diopters or greater.

VI-STAND Vision Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0222020327[exp0323][All States] Other in network features – continued: Free one-year breakage warranty: All eyeglasses come with a breakage warranty for repair or replacement of the frame and/or lenses for a period of one year from the date of delivery. The one-year breakage warranty applies to all plan-covered eyeglasses (i.e., all spectacle lenses, Davis Vision Exclusive Collection frames and national retailer frames, where our Exclusive Collection is not displayed). Warranty does not apply to Glasses.com. Hearing discounts:5 A National Hearing Network of hearing care professionals, featuring Your Hearing Network, offers Davis Vision members discounts on services, hearing aids and accessories. These discounts should be verified prior to service. Contact lenses (instead of eye glasses)4 Once every 12 months • Contact fitting and evaluation: 15% discount. • Elective lenses: $130 allowance. • Necessary lenses: Covered in full. • Conventional contacts: You will receive an additional 15% savings on the amount that you pay over your allowance. • Disposable contacts: You will receive an additional 15% savings on the amount that you pay over your allowance. R We’re here to help Find a Davis Vision provider at www.metlife.com/vision and select Davis Vision by MetLife’. For general questions, go to www.metlife.com/mybenefits. or call 1-833-EYE-LIFE (1-833-393-5433) 4 Not all providers participate in vision program discounts, including the member out-of-pocket features. Call your provider prior to scheduling an appointment to confirm if the discount and member out-of-pocket features are offered at that location. Discounts and member out-of-pocket are not insurance and subject to change without notice. 5 These features may not be available in all states and with all in-network vision providers. Discounts are not available at Walmart and Sam’s Club. Please check with your in-network vision provider. Out-of-network reimbursement You pay for services and then submit a claim for reimbursement. The same benefit frequencies for in-network benefits apply. Once you enroll, visit www.metlife.com/mybenefits for detailed out-of-network benefits information. • Materials allowance after a $0 copay • Single vision lenses: up to $30 • Progressive lenses: up to $50 • Eye exam: up to $45 after a $0 copay. • Lined bifocal lenses: up to $50 • Frames: up to $70 • Lined trifocal lenses: up to $65 • Contact lenses: • Lenticular lenses: up to $100 • Elective up to $105 • Necessary up to $210

VI-STAND Vision Benefit Summary 200 Park Ave., New York, NY 10166 © 2022 MetLife Services and Solutions, LLC L0222020327[exp0323][All States] Exclusions and Limitations of Benefits This plan does not cover the following services, materials and treatments: Services and Eyewear • Services and/or materials not specifically included in the Vision Plan Benefits Overview (Schedule of Benefits). • Any portion of a charge above the Maximum Benefit Allowance or reimbursement indicated in the Schedule of Benefits. • Any eye examination or corrective eyewear required as a condition of employment. • Services and supplies received by you or your Dependent before the Vision Insurance starts. • Missed appointments. • Services or materials resulting from or in the course of a Covered Person’s regular occupation for pay or profit for which the Covered Person is entitled to benefits under any Workers’ Compensation Law, Employer’s Liability Law or similar law. You must promptly claim and notify the Company of all such benefits. • Local, state and/or federal taxes, except where MetLife is required by law to pay. • Services or materials received as a result of disease, defect, or injury due to war or an act of war (declared or undeclared), taking part in a riot or insurrection, or committing or attempting to commit a felony. • Services and materials obtained while outside the United States, except for emergency vision care. • Services, procedures, or materials for which a charge would not have been made in the absence of insurance. • Services: (a) for which the employer of the person receiving such services is not required to pay; or (b) received at a facility maintained by the Employer, labor union, mutual benefit association, or VA hospital. • Services, to the extent such services, or benefits for such services, are available under a Government Plan. This exclusion will apply whether or not the person receiving the services is enrolled for the Government Plan. We will not exclude payment of benefits for such services if the Government Plan requires that Vision Insurance under the Group Policy be paid first. Government Plan means any plan, program, or coverage which is established under the laws or regulations of any government. The term does not include any plan, program, or coverage provided by a government as an employer or Medicare. • Plano lenses (lenses with refractive correction of less than ± .50 diopter). • Two pairs of glasses instead of bifocals. • Replacement of lenses, frames and/or contact lenses, furnished under this Plan which are lost, stolen, or damaged, except at the normal intervals when Plan Benefits are otherwise available. • Contact lens insurance policies and service agreements. • Refitting of contact lenses after the initial (90 day) fitting period. • Contact lens modification, polishing, and cleaning. Treatments • Orthoptics or vision training and any associated supplemental testing. • Medical and surgical treatment of the eye(s). Medications Prescription and non-prescription medication Important: If you or your family members are covered by more than one health care plan, you may not be able to collect benefits from both plans. Each plan may require you to follow its rules or use specific doctors and hospitals, and it may be impossible to comply with both plans at the same time. Before you enroll in this plan, read all of the rules very carefully and compare them with the rules of any other plan that covers you or your family. Savings from enrolling in a MetLife Vision Plan will depend on various factors, including plan premiums, number of visits to an eye care professional by your family per year and the cost of services and materials received. Be sure to review the Schedule of Benefits for your plan’s specific benefits and other important details. MetLife Vision benefits are underwritten by Metropolitan Life Insurance Company, New York, NY. Certain claims and network administration services are provided through Davis Vision, Inc. (“Davis Vision”), a New York corporation. Davis Vision is part of the MetLife family of companies. Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods, and terms for keeping them in force. Please contact MetLife or your plan administrator for costs and complete details.

EN-1977 FOR EMPLOYEES (3-22) Unum | Short Term Disability Insurance Nations RoofHow 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 12 weeks.You’re generally considered disabled if you’re unable to do important parts of your job — and your income suffers as a result.Why is this coverage so valuable?You can use the money however you choose. It can help you pay for your rent or mortgage, groceries, out-of-pocket medical expenses and more.What else is included?Cesarean section benefitIf 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.Short Term Disability Insurance pays you a weekly benefit if you have a covered disability that keeps you from working.Consider your expensesUtilities $Housing $Groceries $Transportation $Child care/Elder care $Medical/Personal care $Education $Insurance $Short Term Disability Insurance

EN-1977 FOR EMPLOYEES (3-22) Unum | Short Term Disability Insurance 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 7 days.Benefit duration (BD)The maximum number of weeks you can receive benefits while you’re disabled. You have a 12 week benefit duration.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 $2,000 per week. The weekly benefit may be reduced or offset by other sources of income.*See the Legal Disclosures for more information.Billed amount may vary slightly. Your rate is based on your age and will increase as you move to the next age band. * The maximum covered annual income is $173,333.RatesAge15-24$0.14025-29$0.21030-34$0.28035-39$0.29040-44$0.32045-49$0.39050-54$0.54055-59$0.69060-64$0.95065+$1.150Disability worksheet1Calculate your weekly disability benefit.60% =$________ ÷ 52 = $________ x $__________Max weekly benefit available (if the amount exceeds the plan max of $2,000, enter $2,000.Your annual earningsYour weekly earnings(Max % ofincome covered)2Calculate your cost per paycheck.12 = $_______ ÷$________ x$_______ =$________÷ 10 = $________ x $__________Your weeklybenefit amountYour monthlyYour ratecostYour annual cost Your cost per paycheck________ =Number ofpaychecksper yearCalculate your cost• For step 2:Enter your rate from the RateChart, based on your age.(Choose the age you will be when your coverage becomes effective on 01/01/2024.)

EN-1977 FOR EMPLOYEES (3-22) Unum | Short Term Disability Insurance Exclusions and LimitationsActive employeeYou 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 coverageInsurance 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 disabilityYou 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 earningsYou 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 conditionsYou 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 incomeYour 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 programsExclusions and limitationsBenefits 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 coverageYour 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.

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EN-2073 FOR EMPLOYEES (10-22) Unum | Accident InsuranceNationsl RoofWho can get coverage? Accident InsuranceHow does it work?Accident Insurance pays 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.YouIf you’re actively at work*Your spouseCan get coverage as long as you have purchased coverage for yourself.Your childrenDependent 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 BenefitEvery 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, influenzaOrganized Sports BenefitEach 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 monthly premium Option 1YouYou and your spouseYou and your childrenFamily$13.07$23.06$27.63$37.62

Unum | Accident InsuranceEN-2073 FOR EMPLOYEES (10-22)SCHEDULE OF BENEFITSAccidental Death and DismembermentAD&D Employee $50,000Spouse $25,000Children $12,500Common 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 $50,000Spouse $25,000Children $12,500Dismemberment Both Feet $50,000Both Hands $50,000One Foot $25,000One Hand $25,000Thumb and Index Finger of the same Hand $12,500Coma Coma $10,000Home & Vehicle Modifications Home & Vehicle Modifications $1,500Loss of Use Hearing (one ear) $12,500Hearing $25,000Sight of one Eye $25,000Sight of both Eyes $50,000Speech $25,000Paralysis Uniplegia $12,500Hemi/Paraplegia $25,000Triplegia $37,500Quadriplegia $50,000HospitalizationAdmission $1,000Admission – Hospital ICU (added to Admission)$1,000Daily Stay $300Daily Stay – Hospital ICU (added to Daily Stay)$300InjuryInjury due to felony & sexual assault$150Organized Sports 10%BurnsInjury2nd Degree Burns - At least 5%, but less than 20% of skin surface$5002nd Degree Burns - 20% or greater of skin surface$1,0003rd Degree Burns - Less than 5% of skin surface$2,0003rd Degree Burns - At least 5%, but less than 20% of skin surface$5,0003rd Degree Burns - 20% or greater of skin surface$10,000ConcussionConcussion $200Connective Tissue DamageOne Connective Tissue (tendon, ligament, rotator cuff, muscle)$90Two or more Connective Tissues (tendon, ligament, rotator cuff, muscle)$150DislocationsKnee joint (other than patella)$1,650Ankle bone or bones of the foot (other than toes)$1,650Hip joint $3,375Collarbone (sternoclavicular)$825Elbow joint $500Hand (other than Fingers) $500Lower Jaw $500Shoulder $500Wrist joint $500Collarbone (acromioclavicular and separation)$325Finger or Toe (Digit) $150Kneecap (patella) $500Incomplete Dislocation - Payable as a % of the applicable Dislocations benefit25%Eye InjuryEye Injury $200FracturesSkull (except bones of Face or Nose), Depressed$4,500Hip or Thigh (femur) $3,375Skull (except bones of Face or Nose), Non-depressed$2,250Vertebrae, body of (other than Vertebral Processes)$1,350Leg (mid to upper tibia or fibula)$1,350Pelvis $1,350InjuryBones of the Face or Nose (other than Lower Jaw, Mandible or Upper Jaw, Maxilla)$675Upper Arm between Elbow and Shoulder (humerus)$675Upper Jaw, Maxilla (other than alveolar process)$675Ankle (lower tibia or fibula)$450Collarbone (clavicle, sternum) or Shoulder Blade (scapula)$450Foot or Heel (other than Toes)$450Forearm (olecranon, radius, or ulna), Hand, or Wrist (other than Fingers)$450Kneecap (patella) $450Lower Jaw, Mandible (other than alveolar process)$450Vertebral Processes $450Rib $450Tailbone (coccyx), Sacrum $450Finger or Toe (Digit) $225Chip Fracture - Payable as a % of the applicable Fractures benefit25%Same bone maximum incurred per accident1 FractureMaximum payable multiplier for multiple bones2 TimesInternal InjuriesInternal Injuries $200LacerationsNo Repair $50Repair Less than 2 inches $150Repair At least 2 inches but less than 6 inches$300Repair 6 inches or greater $600Loss of a DigitOne Digit (other than a Thumb or Big Toe)$750One Digit (a Thumb or Big Toe)$1,125Two or more Digits $1,500Knee CartilageKnee Cartilage (Meniscus) Injury$150Ruptured or Herniated DiscOne Disc $150Two or more Discs $250RecoveryAt-Home Care $100Physician Follow-Up Visits $75Physician Follow-Up Maximum Visits2

Unum | Accident InsuranceEN-2073 FOR EMPLOYEES (10-22)SCHEDULE OF BENEFITSRecoveryPrescription Drug $25Prescription Benefit Incidence per covered accident1 Per InsuredRehabilitation or Subacute Rehabilitation Unit$100Behavior Health Therapy $50Behavior Health Therapy visits15Therapy Services (chiro, speech, PT, occ, acupuncture/alternative)$50Therapy Services Maximum Days15SurgeryDislocationsDislocation, Surgical Repair - Payable as a % of the applicable Injury benefit100%AnesthesiaEpidural or Regional Anesthesia$100General Anesthesia $250Connective TissueExploratory without Repair $100Repair for One Connective Tissue$800Repair for Two or more Connective Tissues$1,200Eye SurgeryEye Surgery, Requiring Anesthesia$300FracturesFractures, Surgical Repair - Payable as a % of the applicable Injury benefit100%Surgical Repair same bone maximum incurred per accident1 FractureSurgical Repair same bone maximum payable multiplier for multiple bones2 TimesGeneral SurgeryAbdominal, Thoracic, or Cranial$1,500Exploratory $150Incidence per covered accident1 Per InsuredHernia SurgeryHernia Surgery $150Knee CartilageKnee Cartilage (Meniscus) Exploratory without Repair$150Knee Cartilage (Meniscus) with Repair$750Outpatient Surgical FacilitySurgeryOutpatient Surgical Facility$300Ruptured or Herniated Disc SurgeryExploratory without Repair $125One Disc $675Two or more Discs $1,000TreatmentOrganized Sports 10%AmbulanceAir $1,000Ground $300Durable Medical EquipmentTier 1 (arm sling, cane, medical ring cushion)$50Tier 2 (bedside commode, cold therapy system, crutches)$100Tier 3 (back brace, body jacket, continuous passive movement, electric scooter)$200Emergency Dental RepairDental Crown $350Dental Extraction $115Filling or Chip Repair $90ImagingTier 1: X-rays or Ultrasound$50Tier 2: Bone Scan, CAT, CT, EEG, MR, MRA, or MRI$200Medical Imaging Incidence allowance covered accident per Tier1 Per Insured Per TierLodgingLodging (per night) $150Prosthetic DeviceOne Device or Limb $750Two or more Devices or Limbs$1,500Skin GraftsFor Burns - Payable as a % of the applicable Burn benefit50%Not Burns - Less than 20% of skin surface$250Not Burns - 20% or greater of skin surface$500TreatmentEmergency Room Treatment $100Injections to Prevent or Limit Infection (tetanus, rabies, antivenom, immune globulin)$50Pain Management Injections (epidural, cortisone, steroid)$100TreatmentTransfusions $400Transportation (per trip) $100Family Care $50Pet Boarding (per day) $30Treatment in a Physician’s Office or Urgent Care Facility (initial)$75•

EN-2073 FOR EMPLOYEES (10-22)Unum | Accident InsuranceOrganized Sports BenefitThis 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 employmentYou 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 www.medicare.gov/sites/default/files/2022-03/02110-medigap-guide-health-insurance.pdf.Effective date of coverageCoverage 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 resulting from 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 organ donation, 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as defined by the state of occurrence;• 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as defined by the state of occurrence; and• 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.Additionally, no benefits will be paid for a Covered Loss that occurs prior to the Coverage Effective Date.Termination of employee coverageIf 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 certificateAccident InsuranceTHIS IS A LIMITED BENEFITS POLICYThis 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, GAC16-2-IL, GAC16-3-NH, GAC16-2-OH, and GAC16-2-UT. Policy Form GAP16-1 et al. in all states, GAP16-3-NH in New Hampshire or contact your Unum representative.Unum complies with state civil union and domestic partner laws when applicable.Underwritten by: Unum Insurance Company, Portland, Maine© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

EN-372230 FOR EMPLOYEES (10-22) Unum | Hospital Insurance Nations RoofWho 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 newborn until their 26th birthday, regardless of marital or student statusEmployee must purchase coverage for themselves in order to purchase spouse or child coverage. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. Please refer to the certificate for complete definitions about these covered conditions. Coverage may vary by state. See exclusions and limitations.This plan has a childbirth limitation. See disclosures for more information.If enrolling, and eligible for Medicare (age 65+; or disabled) the Guide to Health Insurance for People with Medicare is available at www.medicare.gov/sites/default/files/2022-03/02110-medigap-guide-health-insurance.pdfHow does it work?Hospital Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness or childbirth.Why is this coverage so valuable? • The money is paid directly to you — not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles. • You get affordable rates when you buy this coverage at work. • The cost is conveniently deducted from your paycheck. • The benefits in this plan are compatible with a Health Savings Account (HSA). • You may take the coverage with you if you leave the company or retire, without having to answer new health questions. You’ll be billed directly.Since our founding in 1848, Unum has been a leader in the employee benefits business. Innovation, integrity and an unwavering commitment to our customers has helped us become a global leader in financial protection benefits.Hospital InsuranceHospital Insurance can pay benefits that help you with the costs of a covered hospital visit.How much does it cost?Your monthly premiumYou$10.74You and your spouse$25.49You and your children$17.43Family$32.18

EN-372230 FOR EMPLOYEES (10-22)Unum | Hospital Insurance HospitalHospital AdmissionPayable for a maximum of 1 day per year$1,000ICU AdmissionPayable for a maximum of 1 day per year$1,000Hospital Daily StayPayable per day up to 365 days $100ICU Daily Stay Payable per day up to 30 days $100Short StayPayable for a maximum of 1 day per year$500Exclusions and LimitationsHospital insurance filed policy name is Group Hospital Indemnity Insurance PolicyActive employmentYou are considered in active employment if, on the day you apply for coverage, you are being paid regularly for the required minimum 20 hours per 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.Continuity of coverageWe will provide coverage for an Insured if the Insured was covered by a similar prior policy on the day before the Policy Effective Date of this certificate.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.Childbirth LimitationWe will not pay benefits due to Childbirth for any Insured within the first nine months after the Insured’s Coverage Effective Date.Childbirth or Complications of Pregnancy will be covered to the same extent as any other Covered Sickness.Exclusions and limitationsUnum will not pay benefits for a claim that is caused by, contributed to by, or resulting from 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;• Being intoxicated as defined by the state of occurrence.• 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 organ donation, trauma, infection, or other diseases;• Treatment for dental care or dental procedures, unless treatment is the result of a Covered Accident; • Any Admission or Daily Stay of a newborn Child immediately following Childbirth unless the newborn is Injured or Sick;• 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; and• Mental or Nervous Disorders. This exclusion does not include dementia if it is a result of:• Stroke, Alzheimer’s disease, trauma, viral infection; or• Other conditions which are not usually treated by a mental health provider or other qualified provider using psychotherapy, psychotropic drugs, or other similar methods of treatment.Additionally, no benefits will be paid for a Covered Loss that occurs prior to the Coverage Effective Date. End of employee coverageIf you choose to cancel your coverage under this certificate, your coverage will end on the first of the month following the date you provide notification to your Employer.Otherwise, your coverage under this certificate ends on the earliest of:• the date the Policy is cancelled by us 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; or• 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 under Portability of Hospital Indemnity Insurance.We will provide coverage for a Payable Claim that occurs while you are covered under this certificate.THIS INSURANCE PROVIDES LIMITED BENEFITSThis coverage is a supplement to health insurance. It is not a substitute for comprehensive health insurance and does not qualify as minimum essential health coverage as defined in federal law. Some states may require individuals to have comprehensive medical coverage before purchasing hospital insurance.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 definitions of coverage and availability, please refer to Certificate Form GHIC16-1 and policy form GHIP16-1 or contact your Unum representative.Unum complies with all state civil union and domestic partner laws when applicable.Underwritten by: Unum Insurance Company, Portland, Maine© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

EN-372230 FOR EMPLOYEES (10-22)Unum | Hospital Insurance

Unum | Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-22) Nations RoofWhy should I buy coverage now? • It’s more affordable 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 BenefitEvery year, each family member who has Critical Illness coverage can also receive a payment for getting a covered Be Well Benefit 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, influenzaWho can get coverage?You:Choose $15,000 or $30,000 of coverage with no medical underwriting to qualify if you apply during this enrollment.Your spouse:Spouses can only get 50% 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 50% of yours. They are covered for all the same illnesses plus these specific childhood conditions: cerebral palsy, cleft lip or palate, cystic fibrosis, Down syndrome and spina bifida. The diagnosis must occur after the child’s coverage effective date.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 is this coverage so valuable? • The money can help you pay out-of-pocket medical expenses, like co-pays and deductibles. • You can use this coverage more than once. Even after you receive a payout for one illness, you’re still covered for the remaining conditions 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• Coronary artery disease Major (50%): Coronary artery bypass graft or valve replacement Minor (10%): Balloon angioplasty or stent placementCancer conditions• Invasive cancer — all breast cancer is considered invasive• Non-invasive cancer (25%)• Skin cancer — $500Progressive diseases Supplemental conditions• Amyotrophic Lateral Sclerosis (ALS)• Dementia, including Alzheimer’s disease• Multiple Sclerosis (MS)• Parkinson’s disease• Functional loss• Loss of sight, hearing or speech• Benign brain tumor• Coma• Permanent Paralysis• Infectious Diseases (25%)Please refer to the certificate for complete definitions about these covered conditions. Coverage may vary by state. See exclusions and limitations. Critical Illness Insurance

Unum | Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-22) 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 www.medicare.gov/sites/default/files/2022-03/02110-medigap-guide-health-insurance.pdf. Monthly costsAgeEmployee coverage: $15,000 Spouse coverage: $7,500 Be Well benefit: $50Employee Spouseunder 25 $4.76 $3.4925 - 29 $5.81 $4.0130 - 34 $7.61 $4.9135 - 39 $9.56 $5.8940 - 44 $13.61 $7.9145 - 49 $19.91 $11.0650 - 54 $31.01 $16.6155 - 59 $43.91 $23.0660 - 64 $64.31 $33.2665 - 69 $95.06 $48.6470 - 74 $140.96 $71.5875 - 79 $194.66 $98.4380 - 84 $265.16 $133.6985+ $414.11 $208.16Monthly costsAgeEmployee coverage: $30,000 Spouse coverage: $15,000 Be Well benefit: $100Employee Spouseunder 25 $9.52 $6.9725 - 29 $11.62 $8.0230 - 34 $15.22 $9.8235 - 39 $19.12 $11.7740 - 44 $27.22 $15.8245 - 49 $39.82 $22.1250 - 54 $62.02 $33.2255 - 59 $87.82 $46.1260 - 64 $128.62 $66.5265 - 69 $190.12 $97.2770 - 74 $281.92 $143.1775 - 79 $389.32 $196.8780 - 84 $530.32 $267.3785+ $828.22 $416.32

Unum | Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-22) Your paycheck deduction will include the cost of coverage and the Be Well Benefit. Actual billed amounts may vary.Date of diagnosis must be after the coverage effective date.Exclusions and limitationsUnum 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 as defined by the state of occurrence; and a Date of Diagnosis that occurs while an insured is legally incarcerated in a penal or correctional institution.Additionally, no benefits will be paid for a Date of Diagnosis that occurs prior to the Coverage Effective Date.End of employee coverageIf 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.THIS INSURANCE PROVIDES LIMITED BENEFITSThis information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and imitations which may affect any benefits payable. For complete details of coverage and availability, please refer to Policy Form GCIP16-1 or the Certificate Form GCIC16-1 or contact your Unum representative.Underwritten by: Unum Insurance Company, Portland, Maine© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries.

This page is intentionally left blankUnum | Critical Illness Insurance EN-2050 FOR EMPLOYEES (8-22)

unum.comFor more information, please contact your HR representative.Each year, you can earn a valuable incentive just for taking care of your health. And so can each of your covered family members. File your claim online with a one-time registration on unum.com, by mail or over the phone. Simply call 1-800-635-5597 to learn more.You will need to provide the following: IT’S EASY TO FILE A CLAIM You can receive a benet for tests that are performed after your initial coverage date. Follow these simple steps: • First and last names of the employee and claimant (the employee might not be the claimant)• Employee’s Social Security number or policy number• Name and date of the test• Name of physician and the facility where the test was performed.Learn more about your annual Be Well BenetYour Unum plan pays a Be Well Benet for one Be Well screening each year.With Unum’s Be Well Benet, you and other covered family members can receive a valuable incentive for important tests and screenings. Many of these tests are routinely performed, so it’s easy to take advantage of this benet.Your Critical Illness Be Well benet is tied to the coverage amount you choose. For instance, if you choose a coverage amount of $10,000, your Be Well benet will be $50. A coverage amount of $30,000 will have a Be Well benet of $100.Your Accident Be Well benet is $50.BE WELL SCREENINGS• Annual exams by a physician including sports physicals and well-child visits, dental and vision exams• Cancer screenings including pap smear, colonoscopy• Cardiovascular function screenings• Cholesterol and diabetes screenings• Imaging studies, including chest X-ray, mammography• Immunizations including HPV, MMR, tetanus, inuenzaUnum will pay Be Well benefits for all eligible policies according to policy terms. THESE POLICIES OFFER LIMITED BENEFITSThe policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.In New Hampshire, Be Well is referred to as Health Screening. In Washington, Be Well on the Accident product is referred to as Health Screening Benefit rider. In Kansas, Be Well is not available on the Hospital product and immunizations are not covered on the Accident or Critical Illness products.Underwritten by: Unum Insurance Company, Portland, Maine; In New Jersey and New York, underwritten by: Provident Life and Casualty Insurance Company, Chattanooga, Tennessee© 2022 Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. EN-1911-BeWell FOR EMPLOYEES (11-22) Nations Roof