SR Trident - Employee Benefit Guide : simplebooklet.com

SR Trident Inc __________________________________________ __ SR Trident Inc thrives on balance balancing professional and personal worlds balancing work and rest while always balancing cost and value We also understand that balance must be individualized What is right for one person may not be appropriate for another It is our goal to offer choices allowing you to tailor your benefits plan specifically to what is best for you and your family members Why do I pay for some benefits with before tax money While not all benefits qualify for pre tax contribution there is a definite advantage to paying for those that do Taking the money out before your taxes are calculated lowers the amount of your taxable income Therefore you pay less in taxes How Your Benefits Work Full time employees are eligible for most benefits on the first day of the month following 60 days of hire _____________________________________ Your Choices ___SR Trident Inc Provides a complete package of benefits aimed at providing flexible insurance protection and programs to meet your ever changing needs ___SR Trident Inc shares the cost of some benefits with you while making additional benefits available that you pay for if you choose to enroll The part of the benefit costs that you are responsible for will be automatically deducted from your paycheck either before or after your taxes are calculated Benefit Pre Tax or Post Tax Who pays the cost Health Insurance Pre Tax Employer Shared Dental Insurance Pre Tax Employee Paid Vision Insurance Pre Tax Employee Paid Voluntary Life Insurance Post Tax Employee Paid Short Term Disability Post Tax Employee Paid Long Term Disability Post Tax Employee Paid Accident Post Tax Employee Paid Critical Illness Post Tax Employee Paid Hospital Indemnity Post Tax Employee Paid Making Changes Generally you can only change your benefits choices during the annual Benefits Enrollment Period However you can change your benefits choices during the year if you have a life event change Life event changes include but are not limited to Marriage Divorce Birth adoption or placement for adoption of an eligible child Death of your spouse or covered child Change in you or your spouse s work status that results in cancellation of your benefits Becoming eligible for Medicare or Medicaid during the year If you have a life event change you must notify Human Resources within 31 days of the change for example a marriage or birth certificate If you do not notify Human Resources within 31 days you will have to wait until the next annual Open Enrollment period to make benefits changes unless you have another life event change Any changes you make to your benefit choices must be directly related to the life event change

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

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SR Trident Inc Unum Dental Dental Insurance can help you pay for dental exams cleanings and other services How does it work What else is included Good dental care is critical to your overall well being With Unum Dental insurance you can get the attention your teeth need at a cost you can afford Wellness benefits Unum Dental allows you to see any dentist you choose To get the most from your benefits and reduce out ofpocket costs choose an in network provider by utilizing our large national network These providers have agreed to file your claims and uphold the highest quality standards You can find in network providers at unumdentalcare com Oral cancer screenings for patients 40 and older with high risk factors Unumdentalcare com Use unumdentalcare com and the mobile app search for providers manage your benefits and learn about good dental health Features include easy access to ID Cards claims history and coverage information Virtual Dental Visits 24 7 dental care for dental emergencies when an in person visit isn t an option Available for active dental members Carryover benefits Why is this coverage so valuable Routine dental care keeps your mouth and whole body healthy Your plan is backed by Unum s commitment to excellence in customer service Personalized website and mobile app to manage your benefits including claims information ID cards and more Members who take care of their teeth but use only part of their annual maximum benefit during a benefit period are rewarded with extra benefits in future years Carryover benefits will be accrued and stored in the insured s carryover account to be used in the next benefit year The limits for this policy certificate are Passive PPO Carryover benefit 350 Threshold limit 700 Carryover account limit 1 250 There s no waiting period for preventive and basic services Virtual dental visits are a preventive service and subject to policy year benefit maximum EN 2026 FOR EMPLOYEES 3 22 Unum Dental Insurance

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Coverage details and costs Overview Dental carryover benefit and how it works Each benefit year a member must have Passive PPO One cleaning Benefit Year Maximum 1 500 Deductible 50 per benefit year Maximum 3 per family Plan Coinsurance One regular exam and Total dental claims for preventive basic and major covered procedures paid during the year below the threshold limit In network Non network 100 100 Class A Preventive If all three criteria above are met a portion of the annual maximum will carry over to the next year Other Specifications Class B Basic 80 80 Each covered family member receives their own carryover Class C Major 50 50 Group carryover benefit rider must be in effect for one benefit benefit year before any members can utilize carryover benefits Applies to Class A B and C Services if applicable Waived for Class A applies to Class B and C Services A member must be on the plan for a minimum of three months before accruing carryover benefits Carryover benefit may be used toward preventive basic Passive PPO Dental Coverage Weekly cost You 6 46 You and your spouse 12 70 You and your children 18 46 Family 27 02 Rates guaranteed for 12 months from the effective date and major covered services only A member s carryover account will be eliminated and the accrued carryover benefits lost if the insured has a break in coverage for any length of time or any reason Dependent children Dependent age guidelines vary by state Please refer to your policy certificate or contact customer service at 888 400 9304 Services not listed If you expect to require a dental service not included on this brochure it may still be covered Please contact customer service at 888 400 9304 to confirm your exact benefits Alternate treatment Unum covers the least expensive most commonly used and accepted American Dental Association treatments Plan members may elect a more expensive treatment but will be responsible for the cost difference resulting from the more expensive procedure EN 2026 FOR EMPLOYEES 3 22 Unum Dental Insurance

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Covered Procedures Waiting Periods Passive PPO CLASS A PREVENTIVE SERVICES Waiting Period None Routine exams 2 per 12 months Prophylaxis 2 per 12 months Bitewing x rays maximum of 4 films 1 per 12 months Fluoride treatment for children up to age 16 1 per 12 months Sealants for children up to age 16 permanent molars 1 per 36 months Space Maintainers CLASS B BASIC SERVICES Waiting Period None Emergency Treatment 1 per 12 months Full mouth panoramic x rays 1 per 36 months Simple restorative services fillings Posterior composite restorations Simple extractions CLASS C MAJOR SERVICES Waiting Period None Oral Surgery extractions and impacted teeth Anesthesia subject to review covered with complex oral surgery Repair of crown denture or bridge Inlays and onlays Non Surgical periodontics Surgical periodontics gum treatments Periodontal maintenance 2 per 12 months in addition to prophylaxis Endodontics root canals Crowns bridges dentures and implants CLASS D ORTHODONTICS Waiting Period None Separate Lifetime Maximum 1 500 Up to 25 of lifetime allowance may be payable on initial banding Dependent children to age 19 only Refer to your certificate of coverage for the services covered under your plan EN 2026 FOR EMPLOYEES 3 22 Unum Dental Insurance

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Exclusions and Limitations The following dental services are not covered unless stated otherwise in the Certificate of Coverage any treatment which is elective or primarily cosmetic in nature and not generally recognized as a generally accepted dental practice by the American Dental Association as well as any replacement of prior elective or cosmetic restorations replacement of a removable device or appliance that is lost missing or stolen and for the replacement of removable appliances that have been damaged due to abuse misuse or neglect This may include but not be limited to removable partial dentures or dentures replacement of any permanent or removeable device or appliance unless the device or appliance is no longer functional and is older than the limitation in the Schedule of Covered Procedures This may include but not be limited to bridges dentures and crowns any appliance service or procedure performed for the purpose of splinting to alter vertical dimension or to restore occlusion any appliance service or procedure performed for the purpose of correcting attrition abrasion erosion abfraction bite registration or bite analysis charges for implants except noted above removal of implants precision or semi precision attachments denture duplication or dentures and any associated surgery or other customized services or attachments services provided for any type of temporomandibular joint TMJ dysfunction muscular skeletal deficiencies involving TMJ or related structures myofascial pain Limitations Multiple restorations on one surface are payable as one surface Multiple surfaces on a single tooth will not be paid as separate restorations On any given day more than 8 periapical x rays or a panoramic film in conjunction with bitewings will be paid as a full mouth radiograph Pre estimates are recommended for any treatment expected to exceed 300 Takeover benefits Takeover benefits apply if we are taking over a comparable benefits plan from another carrier and only if there is no break in coverage between the original plan and the takeover date Takeover is available to those individuals insured under the employer s dental plan in effect at the time of the employer s application If takeover benefits are included in your benefits then waiting periods for service will be waived for the individuals currently insured under the employer s previous plan during the month prior to coverage moving to us Application of takeover benefits is subject to Underwriting review and approval New hires with prior like dental coverage lapse in coverage must be less than 63 days will receive takeover credit for the length of time they had with the prior carrier and must provide proof of coverage including coverage dates to receive takeover credit i e one page benefit summary Certificate of Creditable Coverage etc A Network Access plan is available THIS POLICY PROVIDES LIMITED BENEFITS unum com This brochure is not intended to be a complete description of the insurance coverage available The policies or their provisions may vary or be unavailable in some states The policies have exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form Series Dental 20 GDN or contact your Unum Dental representative Underwriten by Starmount Life Insurance Company Baton Rouge LA 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 2026 FOR EMPLOYEES 3 22

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SR Trident Inc Unum Vision Plan features Unum Vision benefits Our network offers members access to a large national network including independent optometrists and retail stores like Walmart Sam s Club Target Optical America s Best and many more Find an in network provider at unumvisioncare com Manage benefits online with AlwaysAssist com and on the go with the AlwaysAssist mobile app Covered benefits Exam Each member is entitled to a comprehensive vision exam An exam co pay applies and is outlined in the grid at right Materials Each member has coverage for covered services and materials Purchases are subject to benefit frequencies and co pays Plan features include Frame benefit You may choose any frame within a provider s collection subject to the retail frame allowance listed at right If the cost is greater than the plan s benefits you are responsible for the difference Eyeglass lens benefit Standard plastic CR 39 Plastic Material single vision bifocal trifocal and specialty lenses are generally covered after any applicable materials copay If covered by plan allowance you are responsible for any cost greater than the plan s benefit Contact lens benefit Members electing contact lenses instead of eye glass lenses may apply the contact lens allowance to any lenses in the provider s collection If the cost is greater than the plan s benefits you are responsible for the difference Laser vision correction Discounts are available with participating surgery providers across the country not an insured benefit Vision Care Services In network Providers Out of network Allowances Exam 1 per 12 months 10 co pay Up to 35 Materials 10 co pay See allowances below Covered by co pay Up to 25 Covered by co pay Up to 40 Covered by co pay Up to 50 80 allowance Up to 50 70 allowance Up to 40 Covered by co pay at Walmart only Not covered Covered by co pay Not covered 130 allowance Up to 50 Standard Plastic Lenses 1 per 12 months Single Vision Bifocal Trifocal Lenticular Progressive Lens Options Scratch Resistant Coating Polycarbonate Lenses for children to age 19 Frames 1 per 24 months Members choose from any frame available at provider locations Contact Lenses 1 per 12 months In lieu of eyeglass lenses and frames Includes fit follow up and materials 10 co pay See allowances below Elective 130 allowance Up to 100 Medically Necessary 210 allowance Up to 210 Some providers such as Walmart may charge for a contact lens fit and evaluation separately from your contact lens allowance leaving the entire allowance for materials How much does it cost Weekly premium You 1 33 You and your spouse 2 66 You and your children 2 97 Family 4 63 EN 376255 FOR EMPLOYEES 3 22 Unum Vision Insurance

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Laser Vision Correction Network Membership provides access to preferred pricing Transactions are handled directly between members and providers Refractive surgery is an elective procedure and may involve potential risks to patients This is not an insured benefit Unum cannot and does not guarantee the outcome of any refractive surgical procedure or a total elimination of the need for glasses or contacts Providers may not be available in all metropolitan areas Login to www alwaysassist com for a list of participating laser vision correction providers Hearing Savings Plan Unum offers a Hearing Savings Plan at no additional cost to all of its Unum Dental and Unum Vision members Partnering with EPIC Hearing Healthcare the Hearing Savings Plan provides 30 60 discounts off MSRP on name brand hearing instruments 40 savings on hearing aid batteries shipped directly to members homes an employer as a condition of employment Any injury or illness covered under Workers Compensation or similar law or which is work related Plain or prescription sunglasses or tinted lenses and no line bifocals and blended lenses subject to allowance Sub normal vision aids Services rendered or materials purchased outside the U S or Canada unless the insured resides in the U S or Canada and the charges are incurred while on a business or pleasure trip Charges in excess of Usual and Customary for services and materials Experimental or non conventional treatments or devices Safety eyewear Spectacle lens styles materials treatments or add ons not shown in the Schedule of Benefits A Network Access plan is available THIS POLICY PROVIDES LIMITED BENEFITS This brochure is not intended to be a complete description of the insurance coverage available The policies or their provisions may vary or be unavailable in some states The policies have exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form Series VI 2002 VI 2007 and VI 2019 or contact your Unum Vision representative Starmount Life Insurance Company 8485 Goodwood Boulevard Baton Rouge LA 70806 PH 888 400 9304 Vision plans are marketed by Unum administered and underwritten by Starmount Life Insurance Company Baton Rouge LA 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries On call support for member questions managed by professional hearing counselors Other Unum Vision Specifications Dependent children Dependent age guidelines vary by state Please refer to your policy certificate or contact customer service at 888 400 9304 Services not listed If you expect to require a vision service not included on this brochure it may still be covered Please contact customer service at 888 400 9304 to confirm your exact benefits This is a primary vision care benefit and is intended to cover only eye examinations and corrective eyewear Medical or surgical treatment of eye disease or injury is not provided under this plan Coverage may not exceed the lesser of actual cost of covered services and materials or the limits of the policy Some providers at optical and or retail chains such as Walmart may charge for a contact lens fit and evaluation separately and apart from your contact lens allowance leaving the entire allowance for materials Covered materials that are lost or broken will be replaced only at normal service intervals indicated in the Plan Design however these materials and any items not covered below may be purchased at Preferred Pricing from a Participating Provider In addition benefits are payable only for expenses incurred while the Group and individual Member coverage is in force This plan will not cover Orthoptics or vision training and any supplemental testing Plano non prescription lenses or two pair of eyeglasses in lieu of bifocals or trifocals Medical or surgical treatment of the eyes An eye exam or corrective eye wear required by EN 376255 FOR EMPLOYEES 3 22 Unum Vision Insurance

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SR Trident Inc Term Life and Accidental Death Dismemberment AD D Insurance can provide money for your family if you die or are diagnosed with a terminal illness How does it work You choose the amount of coverage that s right for you and you keep coverage for a set period of time or term If you die during that term the money can help your family pay for basic living expenses final arrangements tuition and more Who can get Term Life coverage If you are actively at work at least 30 hours per week you may apply for coverage for You Choose from 10 000 to 500 000 in 10 000 increments up to 5 times your earnings You can get up to 50 000 This is the amount of coverage you can qualify for with no medical underwriting Your spouse Get up to 500 000 of coverage in 5 000 increments Spouse coverage cannot exceed 100 of the coverage amount you purchase for yourself Your spouse can get up to 25 000 with no medical underwriting if eligible see delayed effective date Your children Get up to 10 000 of coverage in 2 000 increments if eligible see delayed effective date One policy covers all of your children until their 26th birthday The maximum benefit for children live birth to 6 months is 1 000 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 50 000 to meet your growing needs There would be no medical underwriting to qualify for coverage Who can get Accidental Death Dismemberment AD D coverage What else is included A Living Benefit If you are diagnosed with a terminal illness with less than 12 months to live you can request 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 EN 1976 FOR EMPLOYEES 3 22 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

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Term Life and Accidental Death Dismemberment AD D Insurance How much coverage can I get Calculate your costs 1 Enter the coverage amount you want 2 Divide by the amount shown 3 Multiply by the rate Use the rate table at right to find the rate based on age Choose the age you will be when your coverage becomes effective See your plan administrator for your plan effective date To determine your spouse rate choose the age the employee will be when coverage becomes effective See your plan administrator for your plan effective date 4 Enter your cost 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 1 2 3 4 Employee ______ 000 1 000 ________ X ______ _______ Spouse ______ 000 1 000 ________ X ______ _______ Child ______ 000 1 000 ________ X ______ _______ Total cost Employee weekly rate Per 1 000 of coverage Cost 0 034 0 031 0 039 0 056 0 081 0 135 0 207 0 304 0 404 0 519 0 951 3 194 Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 Spouse weekly rate Child weekly rate Per 1 000 of coverage Cost 0 034 0 031 0 039 0 056 0 081 0 135 0 207 0 304 0 404 0 519 0 951 3 194 0 092 per 1 000 of coverage AD D 1 2 3 4 Employee ______ 000 1 000 ________ X 0 012 _______ Spouse ______ 000 1 000 ________ X 0 012 _______ Child ______ 000 1 000 ________ X 0 018 _______ Total cost 4 Enter your cost AD D weekly rates Employee Spouse Child Coverage amount Rate per 1 000 of coverage per 1 000 of coverage per 1 000 of coverage 0 012 0 012 0 018 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 3 22

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Term Life and Accidental Death Dismemberment AD D Insurance Exclusions and limitations Actively at work Eligible employees must be actively at work to apply for coverage Being actively at work means on the day the employee applies for coverage the individual must be working at one of his her company s business locations or the individual must be working at a location where he she is required to represent the company If applying for coverage on a day that is not a scheduled workday the employee will be considered actively at work as of his her last scheduled workday Employees are not considered actively at work if they are on a leave of absence or lay off An unmarried handicapped dependent child who becomes handicapped prior to the child s attainment age of 26 may be eligible for benefits Please see your plan administrator for details on eligibility Employees must be U S citizens or legally authorized to work in the U S to receive coverage Employees must be actively employed in the United States with the Employer to receive coverage Employees must be insured under the plan for spouses and dependents to be eligible for coverage Exclusions and limitations Life insurance benefits will not be paid for deaths caused by suicide occurring within 24 months after the effective date of coverage The same applies for increased or additional benefits AD D specific exclusions and limitations Accidental death and dismemberment benefits will not be paid for losses caused by contributed to by or resulting from Disease of the body diagnostic medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders DSM Suicide self destruction while sane intentionally self inflicted injury while sane or selfinflicted injury while insane War declared or undeclared or any act of war Active participation in a riot Committing or attempting to commit a crime under state or federal law The voluntary use of any prescription or non prescription drug poison fume or other chemical substance unless used according to the prescription or direction of your or your dependent s doctor This exclusion does not apply to you or your dependent if the chemical substance is ethanol Intoxication Being intoxicated means your or your dependent s blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred Delayed effective date of coverage Insurance coverage will be delayed if you are not an active employee because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective Delayed Effective Date if your spouse or child has a serious injury sickness or disorder or is confined their coverage may not take effect Payment of premium does not guarantee coverage Please refer to your policy contract or see your plan administrator for an explanation of the delayed effective date provision that applies to your plan Age Reduction Coverage amounts for Life and AD D Insurance for you and your dependents will reduce to 65 of the original amount when you reach age 65 and will reduce to 50 of the original amount when you reach age 70 Coverage may not be increased after a reduction Termination of coverage Your coverage and your dependents coverage under the policy ends on the earliest of The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered The last day of the period for which you made any required contributions The last day you are actively employed unless coverage is continued due to a covered layoff leave of absence injury or sickness as described in the certificate of coverage In addition coverage for any one dependent will end on the earliest of The date your coverage under a plan ends The date your dependent ceases to be an eligible dependent For a spouse the date of a divorce or annulment For dependents the date of your death Unum will provide coverage for a payable claim that occurs while you and your dependents are covered under the policy or plan This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative EN 1976 FOR EMPLOYEES 3 22 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

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How much coverage can I get This plan does not cover pre existing conditions See the disclosure section to learn more You are eligible for coverage if you are an active employee in the United States working a minimum of 30 hours per week 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 Cover 60 of your weekly income up to a maximum benefit of 1 000 per week The weekly benefit may be reduced or offset by other sources of income You Your benefits would begin after you become disabled for 14 days See the Legal Disclosures for more information Benefit duration BD The maximum number of weeks you can receive benefits while you re disabled You have a 000 week benefit duration Calculate your cost Disability worksheet For step 2 Enter your rate from the Rate Chart based on your age 1 Calculate your weekly disability benefit Choose the age you will be when your coverage becomes effective See your plan administrator for your plan effective date 2 Calculate your cost per paycheck ________ 52 ________ x Your annual Your weekly earnings earnings 60 Max of income covered __________ Max weekly benefit available if the amount exceeds the plan max of 1 000 enter 1 000 ________ 10 ________ x _______ ________ x Your weekly benefit amount Your rate Your monthly cost Age Rates 15 24 0 100 25 29 0 130 30 34 0 180 35 39 0 200 40 44 0 240 45 49 0 300 50 54 0 410 55 59 0 590 60 64 0 770 65 0 930 12 _______ 52 Your annual Number of cost paychecks per year __________ Your cost per paycheck Billed amount may vary slightly Your rate is based on your age and will increase as you move to the next age band The maximum covered annual income is 86 666 EN 1977 FOR EMPLOYEES 3 22 Unum Short Term Disability Insurance

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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 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 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 unable to perform any of the material and substantial duties of your regular occupation and You are not working in any occupation 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 or took prescribed drugs or medicines in the 3 months just prior to his her effective date of coverage and The disability begins in the first 12 months after the employee s effective date of coverage unless they have been treatment free for 12 months after his her 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 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 EN 1977 FOR EMPLOYEES 3 22 Unum Short Term Disability Insurance

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SR Trident Inc 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 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 Consider your expenses EN 1978 Utilities Housing Groceries Transportation Child care Elder care Medical Personal care Education Insurance FOR EMPLOYEES 3 22 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 Unum Long Term Disability Insurance

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How much coverage can I get If you don t sign up now but decide to apply later you may have to answer health questions You are eligible for coverage if you are an active employee in the United States working a minimum of 30 hours per week You 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 Cover 60 of your monthly income up to a maximum payment of 6 000 The monthly benefit may be reduced or offset by other sources of income 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 See the Legal Disclosures for more information This plan does not cover pre existing conditions See the disclosure section to learn more Calculate your cost Disability worksheet Use 120 000 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 See your plan administrator for your plan effective date 1 Enter your annual earnings and calculate your maximum monthly benefit available ________ 12 _______ x Your annual Your monthly earnings earnings 60 Max of income covered __________ Max monthly benefit available 2 Calculate your cost per paycheck _______ 100 _______ x _____ Your annual earnings Rate _______ 52 __________ Number of paychecks per year Age Rates 15 24 0 270 25 29 0 310 30 34 0 560 35 39 0 940 40 44 1 680 45 49 2 450 50 54 3 360 55 59 4 080 60 64 3 970 65 69 3 150 70 2 580 Total cost per paycheck 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 Unum Long Term Disability Insurance

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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 under the regular care of a physician and You are limited from performing the duties required of your regular occupation due to sickness or injury and are not working or You are working and you have a 20 or more loss in monthly earnings due to sickness or injury After benefits have been paid for 24 months your plan s definition of disability changes At that time you are considered disabled when Unum determines that due to the same sickness or injury you cannot perform the duties of any occupation that you are qualified to do based on your 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 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 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 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 Intentionally self inflicted injuries Active participation in a riot War declared or undeclared or any act of war Commission of a crime for which you have been convicted Loss of professional license occupational license or certification or Pre existing conditions See the disclosure section to learn more The loss of a professional or occupational license does not in itself constitute disability Unum will not pay a benefit for any period of disability during which you are incarcerated The lifetime cumulative maximum benefit for all disabilities due to mental illness is 24 months 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 EN 1978 FOR EMPLOYEES 3 22 Unum Long Term Disability Insurance

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SR Trident Inc Critical Illness Insurance can pay money directly to you when you re diagnosed with certain serious illnesses How does it work If you re diagnosed with an illness that is covered by this insurance you can receive a 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 pays 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 placement Cancer conditions Invasive cancer all breast cancer is considered invasive Progressive diseases Amyotrophic Lateral Sclerosis ALS Dementia including Alzheimer s disease Multiple Sclerosis MS Parkinson s disease Functional loss Non invasive cancer 25 Skin cancer 500 Supplemental conditions Loss of sight hearing or speech Benign brain tumor Coma Permanent Paralysis Occupational HIV Hepatitis B C or D Infectious Diseases 25 Why 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 Benefit Every 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 Screenings for cholesterol and include sports physicals welldiabetes child visits dental and vision Imaging studies including exams chest X ray mammography Screenings for cancer including Immunizations including HPV pap smear colonoscopy MMR tetanus influenza Cardiovascular function screenings Who can get coverage You Choose 15 000 or 30 000 of coverage with no medical questions 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 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 media 9486 Please refer to the certificate for complete definitions about these covered conditions Coverage may vary by state See exclusions and limitations EN 2050 FOR EMPLOYEES 9 21 Page 1

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Critical Illness Insurance benefit and cost Weekly costs 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 Employee coverage 15 000 Spouse coverage 7 500 Be Well benefit 50 Employee Spouse 1 16 0 85 1 40 0 97 1 85 1 19 2 30 1 42 3 30 1 92 5 04 2 79 7 67 4 10 10 85 5 69 15 80 8 17 23 35 11 94 34 77 17 65 48 30 24 42 66 24 33 39 103 76 52 15 Weekly costs 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 EN 2050 Employee coverage 30 000 Spouse coverage 15 000 Be Well benefit 100 Employee Spouse 2 32 1 69 2 80 1 94 3 70 2 39 4 60 2 84 6 61 3 84 10 07 5 57 15 33 8 20 21 70 11 39 31 60 16 34 46 69 23 88 69 54 35 31 96 61 48 84 132 47 66 77 207 52 104 29 FOR EMPLOYEES 9 21 Pre existing conditions We will not pay benefits for a claim when the Covered Loss occurs in the first 12 months following an Insured s Coverage Effective Date and the Covered Loss is caused by contributed to by or occurs as the result of any of the following a Pre existing Condition or complications arising from treatment or surgery for or medications taken for a Preexisting Condition An Insured has a Pre existing Condition if within the 12 months just prior to their Coverage Effective Date they have an injury or sickness whether diagnosed or not for which medical treatment consultation care or services or diagnostic measures were received or recommended to be received during that period drugs or medications were taken or prescribed to be taken during that period or symptoms existed The Pre existing Condition provision applies to any Insured s initial coverage and any increases in coverage Coverage Effective Date refers to the date any initial coverage or increases in coverage become effective Pre existing Condition requirements are not applicable to children who are newly acquired after your Coverage Effective Date Date of diagnosis must be after the coverage effective date 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 nonprescription drug alcohol poison fume or other chemical substance unless taken as prescribed or directed by the Insured s Physician being intoxicated 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 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 THIS INSURANCE PROVIDES LIMITED BENEFITS This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and imitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form GCIP16 1 or the Certificate Form GCIC16 1 or contact your Unum representative Underwritten by Unum Insurance Company Portland Maine 2021 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries Page 2

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SR Trident Inc Accident Insurance How does it work What s included 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 off the job And it includes a range of incidents from common injuries to more serious events Be Well Benefit Why is this coverage so valuable Annual exams by a physician include sports physicals 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 Every year each family member who has Accident coverage can also receive 50 for getting a covered Be Well screening test such as 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 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 How much does it cost EN 2073 Your weekly premium Option 1 You 2 66 You and your spouse 4 82 You and your children 6 57 Family 8 72 FOR EMPLOYEES 4 22 Unum Accident Insurance

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

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

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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 media 9486 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 an occupational injury 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 motordriven 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 Termination 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 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 Accident Insurance THIS IS A LIMITED BENEFITS POLICY This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to certificate form GAC16 1 et al and Policy Form GAP16 1 et al 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 2073 FOR EMPLOYEES 4 22 Unum Accident Insurance

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SR Trident Inc Hospital Insurance How 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 Hospital Insurance can pay benefits that help you with the costs of a covered hospital visit Who can get coverage If you re actively at work You 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 status 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 Employee 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 company or retire without having to answer new health questions You ll be billed directly How much does it cost Your weekly premium You 1 71 You and your children 2 83 Since our founding in 1848 Unum hasspouse been a leader in the 4 57 You and your employee benefits business Innovation integrity and an unwavering Family to our customers has 5 69 commitment helped us become a global leader in financial protection benefits 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 pre existing condition limitation See the 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 media 9486 EN 372230 FOR EMPLOYEES 10 21 Unum Hospital Insurance

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2021 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries Hospital Hospital Admission Payable for a maximum of 1 day per year Hospital Daily Stay Payable per day up to 365 days 1 000 100 Exclusions and Limitations Hospital insurance filed policy name is Group Hospital Indemnity Insurance Policy 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 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 Pre existing Condition We will not pay benefits for a claim when the Covered Loss occurs in the first 12 months following an Insured s Coverage Effective Date and the Covered Loss is caused by contributed to by or resulting from any of the following a Pre existing Condition or complications arising from treatment or surgery for or medications taken for a Pre existing Condition An Insured has a Pre existing Condition if within the 12 months just prior to their Coverage Effective Date they have a a disease or physical condition whether diagnosed or not for which medical treatment consultation care or services or diagnostic measures were received or recommended to be received during that period or drugs or medications were taken or prescribed to be taken during that period or symptoms existed Pre existing Condition requirements are not applicable to Children who are newly acquired after your Coverage Effective Date The Pre existing Condition provision applies to any Insured s initial coverage and any increases in coverage Coverage Effective Date refers to the date any initial coverage or increases in coverage become effective Exclusions and limitations Unum 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 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 coverage If 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 BENEFITS This 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 GHIC161 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 EN 372230 FOR EMPLOYEES 10 21 Unum Hospital Insurance

SR Trident - Employee Benefit Guide

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