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ANNUAL ENROLLMENT GUIDEBOOK How to make the most of your annual benefits enrollment 1

Before annual enrollment begins take the time to prepare for it Our Annual Enrollment Guidebook can help you make more con dent decisions about your bene t choices so you can make the most of your options in the year ahead Even if you already have bene ts it s good to revisit your selections each year to make sure that they re still the best choice for you Health bene ts and the di erent choices available to you can be complex Nearly half of Americans cannot correctly identify terms like deductible and copay which is why we ve included a glossary of common terms and phrases related to health bene ts 1 We ve also provided some general decision support tools to help you decide on your health plan for the year although your employer may o er you more speci c tools that show you your previous health spending and bene ts utilization Our research has found that when guided by a decision support tool at annual enrollment 59 of new enrollees selected the likely overall lowest cost plan option for them 2 Don t worry if your path in life changes next year Certain qualifying life events such as changes in your family location or job make you eligible to adjust your bene ts outside of the annual enrollment period Take all of this into consideration and you can be con dent you ve made the best choices for your family Now let s make sure you have the information you need to make the right decisions as you journey through these key aspects of annual enrollment ANNUAL ENROLLMENT GUIDEBOOK HEALTH INSURANCE PLAN HEALTH BENEFIT ACCOUNTS DENTAL AND VISION DISABILITY INSURANCE SUPPLEMENTAL BENEFITS 2

HEALTH INSURANCE PLAN Does the health plan you chose last year still work for you and your family If you have a choice of plans take a few minutes to consider your options Even the plan you had last year might have changed Start by thinking about what is most important to you How much you pay toward the premium Your annual deductible Copays for o ce visits and prescriptions Your employer s contribution to a health savings account HSA if applicable Whether your doctor and hospital are in network An unexpected illness can harm more than your health it can also undermine your nancial security Health care expenses lead to almost one third of hardship withdrawals from retirement savings 3 Thanks to the 2020 No Surprises Act consumers are now protected from unexpected medical bills that could threaten their savings However unexpected costs may still come up make sure you re saving for health expenses either through an HSA a exible spending account FSA or traditional savings account DID YOU KNOW Some of the care that employees skip because of cost such as preventive screenings annual visits and immunizations is in fact covered at no cost under their plans 4 Make sure you understand what s covered by your plan so that you can take advantage of this bene t HEALTH INSUR ANCE PL AN 3

FIDELIT Y HEALTH THOUGHT LEADERSHIP 66 HEALTH BENEFIT ACCOUNTS If available and you are eligible consider if these tax advantaged accounts are right for you to help cover out of pocket expenses now and in the future HEALTH SAVINGS ACCOUNT HSA If you participate in an HSA eligible health plan you have access to an account that can help you pay 2025 HSA contribution limits for quali ed medical expenses today and long into the future An HSA is designed to help you pay for quali ed medical expenses and to help you save for health care costs in retirement which are estimated to total 157 500 for a 65 year old retiring this year 6 Contributions investment gains and withdrawals for Individual Family 55 catch up in addition to above contribution limits 4 300 8 550 1 000 quali ed medical expenses all are tax free 7 If you change jobs you can keep your HSA and continue to contribute as long as you enroll in another HSA eligible health plan Consider contributing at least enough to cover medical expenses you expect to incur next year Contribute the maximum if you can because you don t have to spend everything you contribute this year If you do decide to select an HSA eligible health plan this year make sure to read about what you might expect in your rst year of using an HSA on page 12 FLEXIBLE SPENDING ACCOUNT FSA There are two types of FSAs to consider both of which allow you to set aside money before taxes A health FSA can be used for quali ed medical expenses such as overthe counter medications and a limited purpose FSA can be used for eligible vision dental and preventive care expenses in conjunction with an HSA Contribute only what you expect to spend next year on quali ed medical expenses because in most cases you lose any money you don t spend 4 HEALTH BENEFIT ACCOUNTS

FIDELIT Y HEALTH THOUGHT LEADERSHIP 7 DENTAL AND VISION DENTAL AND VISION Even if your health plan covers emergency dental work or annual vision exams your employer may o er and subsidize additional coverage that can help you manage expenses These plans include coverage for routine dental cleanings basic eyeglasses or contacts and more Adding dental and vision coverage may decrease your out of pocket spending for these services DISABILITY INSURANCE If you get sick or hurt and can t work one of the two types of disability insurance may help supplement your lost income SHORT TERM This type provides partial income replacement for brief periods of illness or injury like a surgery or extended medical treatment It generally covers 60 of your salary while you re unable to work and includes a cap on the monthly payment LONG TERM This type provides partial income replacement in the event that you are no longer able to work because of illness or injury after an initial period typically 90 days In general long term disability typically pays 60 of your salary and includes a cap on the monthly payments 5 D IESNATB IA L I LATNYDI NV ISS IU ROANN C E

ANNUAL ENROLLMENT CHECKLIST Make sure your bene ciaries are accurate and up to date for your retirement savings plan HSA and life insurance See if your employer o ers a decision support tool to guide you through annual enrollment Understand how your plan options may have changed since last year including new condition speci c o erings like mental health care Compare out of pocket costs in plan options to make sure the plan you choose matches your budget Determine whether your providers are in network by using a provider search tool for the plan Consider whether an HSA or FSA is right for you Find out if your employer o ers an app to manage all of your health related bene ts throughout the year 6 ANNUAL ENROLLMENT CHECKLIST

Health care glossary8 Coinsurance The percentage of costs of a covered health care service you pay 20 for example after you ve paid your deductible Copayment or copay A xed amount 20 for example you pay for a covered health care service after you ve paid your deductible Deductible The amount you pay for covered health care services before your insurance plan starts to pay With a 2 000 deductible for example you pay the rst 2 000 of covered services yourself Flexible spending account FSA An arrangement through your employer that lets you pay for many out of pocket medical expenses with tax free dollars Allowed expenses include insurance copayments and deductibles quali ed prescription drugs insulin and medical devices Formulary A list of prescription drugs covered by a prescription drug plan or another insurance plan o ering prescription drug bene ts Also called a drug list Health savings account HSA A type of savings account that lets you set aside money on a pretax basis to pay for quali ed medical expenses By using untaxed dollars in an HSA to pay for deductibles copayments coinsurance and some other expenses you may be able to lower your overall health care costs HSA funds generally may not be used to pay premiums In network coinsurance The percent for example 20 you pay of the allowed amount for covered health care services to providers who contract with your health insurance or plan In network coinsurance usually costs you less than out of network coinsurance Network The facilities providers and suppliers your health insurer or plan has contracted with to provide health care services Out of network coinsurance The percentage for example 40 you pay of the allowed amount for covered health care services to providers who don t contract with your health insurance or plan Out of network coinsurance usually costs you more than in network coinsurance Out of pocket costs Your expenses for medical care that aren t reimbursed by insurance Out of pocket costs include deductibles coinsurance and copayments for covered services plus all costs for services that aren t covered Out of pocket maximum The most you have to pay for covered services in a plan year After you spend this amount on deductibles copayments and coinsurance for in network care and services your health plan pays 100 of the costs of covered bene ts Premium The amount you pay for your health insurance every month In addition to your premium you usually have to pay other costs for your health care including a deductible copayments and coinsurance Preventive services Routine health care that includes screenings checkups and patient counseling to prevent illnesses disease or other health problems Provider A physician M D medical doctor or D O doctor of osteopathic medicine nurse practitioner clinical nurse specialist or physician assistant as allowed under state law who provides a range of health care services 7 HEALTH C ARE GLOSSARY

Benefit Information Your benefits plan We offer a variety of benefits allowing you the opportunity to customize a benefits package that meets your personal needs You have the option to enroll in any or all of the benefit plans each benefit is independent of the others and you may choose any combination you like In the following pages you ll learn more about the benefits offered You ll also see how choosing the right combination of benefits can help protect you and your family s health and finances and your family s future Why do I pay for benefits with Pre Tax money There is a definite advantage to paying for some benefits with pre tax money Taking the money out before your taxes are calculated lowers the amount of your pay that is taxable Therefore you pay less in taxes Which benefit premiums are taken before tax PRE TAX Medical Dental Vision Critical Illness Accident POST TAX Life Disability Choosing your benefits You must actively choose any benefit that you pay for or share in the cost with The premium for elected coverages are taken from your paycheck automatically There are two ways that the money can be taken out pre tax or post tax Example Gross Salary Health Premium Taxable Wages Income Tax on Wages FICA Tax on Wage Net Employee Pay Pre Tax 50k 5k 45k 5 800 3 433 35 757 Post Tax 50k 5k 50k 6 900 3 825 34 275 Eligibility You are considered an eligible employee if you are a regular full time employee scheduled to work at least 30 hours each week Waiting Period Newly hired employees are eligible for benefits on the first of the month following 60 days of hire Restrictions apply to part time employees 8

Making Changes Generally you can only change your benefit choices during the annual Benefits Enrollment Period However you can change your benefit choices during the year if you experience 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 the 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 30 days of the change for example supply HR with your marriage or newborn s birth certificate If you do not notify Human Resources within 30 days you will have to wait until the next annual open enrollment period to make benefits changes unless you experience another life event change Any changes you make to your benefit choices must be directly related to the life event change When Coverage Ends Benefits end on the last day of the month following termination or when you cease to meet eligibility guidelines Portability If you leave the company 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 The benefits that are portable include Voluntary Group Term Life Universal Life Whole Life Accident Insurance Critical Illness Continuing Your Coverage Under certain circumstances you may continue your health care coverage when it would otherwise end This is called COBRA COBRA applies to these plans Medical Dental Vision You and or your dependents are eligible to continue health care coverage if coverage is lost because Your employment ends for any reason other than gross misconduct 9

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 Who pays the cost for your coverage Medical Dental Vision 50k Basic Life Short Term Disability Accident Critical Illness Hospital Indemnity Voluntary Term Life and AD D Employer Shared Employer Shared Employee Paid Employer Paid Employee Paid Employee Paid Employee Paid Employee Paid Employee Paid Looking Ahead Now let s delve into each benefit that constitutes your comprehensive benefits program In the following pages you ll discover more about the invaluable benefits your employer provides You ll also understand how selecting the right combination of benefits can safeguard the health and well being of you and your family 10

Carrier Plan Name Network Coverage Deductible Coinsurance Out Of Pocket Office Visit Specialty Doctor Office Visit Inpatient Hospital Services Preventative Lab X Ray Advanced Imagining Urgent Care Emergency Room RX DJPK Now EACY HMO Navigate H S A In 3 500 80 6 350 12 700 80 After Ded 80 After Ded 80 After Ded 80 After Ded 80 After Ded 80 After Ded 80 After Ded 10 35 60 After Ded Rates Employee Only Employee Spouse Employee Child ren Employee Family Employees Monthly Rate 0 00 0 00 0 00 0 00 Employee must assign a PCP when enrolling Employer contributes 1 800 a year towards H S A Account if employee creates an H S A account Employees can create a free H S A account through https www fidelity com go hsa why has BC1H Now DQ5S EPO Premier In 2 500 70 6 000 12 000 30 Copay 60 Copay 70 After Ded No Charge 70 After Ded 75 Copay 250 Copay 70 After Ded 10 35 60 Employees Monthly Rate 186 20 391 68 354 33 559 81 11

State Service Company Incorporated Unum DentalTM Dental Insurance can help you pay for dental exams cleanings and other services How does it work 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 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 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 to manage your benefits including claims information ID cards and more There s no waiting period for preventive and basic services EN 2026 FOR EMPLOYEES 2 23 What else is included Pregnancy benefit An extra cleaning for expecting mothers in their 2nd or 3rd trimester Wellness benefits Oral cancer screenings for patients 40 and older with high risk factors Unumdentalcare com Use unumdentalcare com to 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 Visit unumdentalcare com and click Virtual Dental Visits to get started Carryover benefits 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 Carryover benefit Threshold limit Carryover account limit Passive PPO 400 800 1 500 Virtual dental visits are a preventive service and subject to policy year benefit maximum Unum Dental Insurance 12

Coverage details and costs Overview Benefit Year Maximum Deductible Passive PPO 5 000 50 in network and out of network Maximum 3 per family Plan Coinsurance In network Out of Network Class A Preventive 100 100 Class B Basic 80 80 Class C Major 50 50 Class D Orthodontics 50 50 Applies to Class A B and C Services if applicable Waived for Class A applies to Class B and C Services Dental Coverage You You and your spouse You and your children Family Rates guaranteed for 12 months from the effective date Passive PPO Monthly cost 0 27 11 46 72 82 50 Dental carryover bene t and how it works Each benefit year a member must have One cleaning One regular exam and Total dental claims for preventive basic and major covered procedures paid during the year below the threshold limit If all three criteria above are met a portion of the annual maximum will carry over to the next year Other Specifications Each covered family member receives their own carryover benefit Group carryover benefit rider must be in effect for one benefit year before any members can utilize carryover benefits 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 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 call our Contact Center 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 call our Contact Center 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 2 23 Unum Dental Insurance 13

Covered Procedures Waiting Periods Passive PPO CLASS A PREVENTIVE SERVICES Waiting Period None Routine exams 2 per 12 months Prophylaxis 2 per 12 months 1 additional cleaning or periodontal maintenance per 12 months if member is in 2nd or 3rd trimester of pregnancy 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 Emergency Treatment 1 per 12 months Full mouth panoramic x rays 1 per 36 months Simple extractions Adjunctive pre diagnostic oral cancer screening 1 per 12 months for ages 40 CLASS B BASIC SERVICES Waiting Period None Simple restorative services fillings Posterior composite restorations Oral Surgery extractions and impacted teeth Non Surgical periodontics Surgical periodontics gum treatments Periodontal maintenance 2 per 12 month in combination with prophylaxis Endodontics root canals CLASS C MAJOR SERVICES Waiting Period None Anesthesia subject to review covered with complex oral surgery Repair of crown denture or bridge Inlays and onlays 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 2 23 Unum Dental Insurance 14

unum com 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 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 Underwritten by Starmount Life Insurance Company Baton Rouge LA 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 2026 FOR EMPLOYEES 2 23 15

State Service Company Incorporated Unum Vision Powered by EyeMed Plan features Members have the freedom to choose any provider from EyeMed s Insight Network Our network offers the right mix of independent national retail and regional retail providers like Lens Crafters Pearle Vision Target Optical and many more Members can also purchase glasses and contact lenses online at Glasses com and ContactsDirect com Covered bene ts 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 How much does it cost Monthly premium You You and your spouse You and your children Family 6 84 12 94 15 19 21 36 EN 376255 FOR EMPLOYEES 1 23 EyeMed bene ts Vision Care Services Exam 1 per 12 months Retinal Imaging Benefit Standard Plastic Lenses 1 per 12 months Single Vision Bifocal Trifocal Lenticular Standard Progressive In network Member Cost 10 co pay Up to 39 Out of network Reimbursements Up to 40 Not covered 10 co pay 10 co pay 10 co pay 10 co pay 75 co pay Up to 30 Up to 50 Up to 70 Up to 70 Up to 50 Premium Progressive Lens Premium Progressive Tier 1 Premium Progressive Tier 2 Premium Progressive Tier 3 Premium Progressive Tier 4 95 co pay 105 co pay 120 co pay 75 co pay 80 of charge less than 120 allowance Up to 50 Up to 50 Up to 50 Up to 50 Lens Options Polycarbonate Lenses under age 19 Covered Up to 32 Frames 1 per 24 months Members may select any frame available 150 allowance Up to 105 Contact Lenses 1 per 12 months In lieu of eyeglass lenses Elective Non Elective Standard Contact Lens Fitting Exam Fee 150 allowance Covered Up to 40 Up to 150 Up to 210 Not covered The standard contact lens fitting exam fee applies to a new or existing contact lens user who wears spherical disposable daily wear or extended wear lenses only Unum Vision Insurance 16

Unum Vision Powered by EyeMed members will receive the following discounts on materials at in network providers only 40 off for a complete second pair of glasses 20 off non prescription sunglasses 20 off remaining balance beyond plan coverage 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 eyemedvisioncare com unum for a list of participating laser vision correction providers Hearing Savings Plan included at no additional cost to the member Unum offers a Hearing Savings Plan at no additional cost to all of its Unum Vision Powered by EyeMed members Partnering with Amplifon the Hearing Savings Plan provides 40 off hearing exams at thousands of convenient locations nationwide Discounted set pricing on thousands of hearing aids including those with the newest most advanced technology Low price guarantee if you find the same product at a lower price elsewhere Amplifon will beat it by 5 60 day hearing aid trial period with no restocking fees Free batteries for 2 years with initial purchase 3 year warranty plus loss and damage coverage Other Unum Vision Speci cations Dependent children Dependent age guidelines vary by state Please refer to your policy certificate or contact customer service at 855 652 8686 Services not listed If you expect to require a vision service not included on this brochure it may still be covered Refer to the member portal at www eyemedvisioncare com unum to confirm your exact benefits This is a primary vision care benefit and is intended to cover only eye examinations and or 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 No bene ts will be paid for services materials connected with or charges arising from Orthoptic or vision training subnormal vision aids and any associated supplemental testing Aniseikonic lenses Medical and or surgical treatment of the eye eyes or supporting structures services provided as a result of any Workers Compensation law or similar legislation or required by any governmental agency or program whether federal state or subdivisions thereof any Vision Examination or any corrective eyewear required by a Policyholder as a condition of employment Safety eyewear Plano non prescription lenses Non prescription sunglasses Two pair of glasses in lieu of bifocals Services or materials provided by any other group benefit plan providing vision care Services rendered after the date an Insured Person ceases to be covered under the Policy except when Vision Materials ordered before coverage ended are delivered and the services rendered to the Insured Person are within 31 days from the date of such order Lost or broken lenses frames glasses or contact lenses will not be replaced except in the next Benefit Frequency when Vision Materials would next become available Member receives a 20 discount on items not covered by the plan at EyeMed In Network locations Discount does not apply to EyeMed Provider s professional services or contact lenses Plan discounts cannot be combined with any other discounts or promotional offers In certain states members may be required to pay the full retail rate and not the negotiated discount rate with certain participating providers Please see EyeMed s online provider locator to determine which participating providers have agreed to the discounted rate Discounts on vision materials may not be applicable to certain manufacturers products EyeMed Vision Care reserves the right to make changes to the products on each tier and the member out of pocket costs Fixed pricing is reflective of brands at the listed product level All providers are not required to carry all brands at all levels Service and amounts listed above are subject to change at any time Fees charged by a Provider for services other than a covered benefit must be paid in full by the Insured Person to the Provider Such fees or materials are not covered under the Policy Benefit allowances provide no remaining balance for future use within the same Benefit Frequency 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 Vision plans are marketed by Unum and EyeMed administered by First American Administrators and underwritten by Starmount Life Insurance Company Baton Rouge LA 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 376255 FOR EMPLOYEES 1 23 Unum Vision Insurance 17

State Service Company Incorporated Term Life with Accidental Death Dismemberment AD D Insurance How does it work You keep coverage for a set period of time or term If you die during that term the money can help your family pay for basic living expenses final arrangements tuition and more AD D Insurance is also available which can pay a benefit if you survive an accident but have certain serious injuries It can pay an additional amount if you die from a covered accident Why Choose Unum Your employer is offering you this coverage at no cost to you What else is included A Living Benefit If you are diagnosed with a terminal illness with less than 12 months to live you can request 100 of your life insurance benefit up to 250 000 while you are still living This amount will be taken out of the death benefit and may be taxable Waiver of premium Your cost may be waived if you are totally disabled for a period of time Portability You may be able to keep coverage if you leave the company retire or change the number of hours you work Employees or dependents who have a sickness or injury having a material effect on life expectancy at the time their group coverage ends are not eligible for portability Who can get Term Life coverage IIff yyoouu aarree aaccttiivveellyy aatt wwoorrkk aatt lleeaasstt 3300 hhoouurrss ppeerr wweeeekk yyoouu ccaann rreecceeiivvee ccoovveerraaggee ffoorr YYoouu YYoouu ccaann rreecceeiivvee aa bbeenneeffiitt aammoouunntt ooff 5500 000000 YYoouu ccaann ggeett uupp ttoo 5500 000000 wwiitthh nnoo mmeeddiiccaall uunnddeerrwwrriittiinngg Who can get Accidental Death Dismemberment AD D coverage You You can receive an AD D benefit amount of 50 000 No medical underwriting is required for AD D coverage EN 2046 FOR EMPLOYEES 6 22 Unum Term Life Insurance 18

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 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 that are caused by suicide occurring within 24 months after the effective date of coverage or the date that increases to existing coverage becomes effective This exclusion standardly applies to all medically written amounts and contributory amounts that are funded by the employee including shared funding plans 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 in icted injury while sane or self in icted 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 doctor This exclusion does not apply to you if the chemical substance is ethanol Intoxication Being intoxicated means your 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 Employee 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 Age reduction Coverage amounts for Life and AD D Insurance for you 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 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 This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative Life Planning Financial Legal Resources services provided by HealthAdvocate are available with select Unum insurance offerings Terms and availability of service are subject to change Service provider does not provide legal advice please consult your attorney for guidance Services are not valid after coverage terminates Please contact your Unum representative for details Underwritten by Unum Life Insurance Company of America Portland Maine 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 2046 FOR EMPLOYEES 6 22 Unum Term Life Insurance 19

State Service Company Incorporated Term Life and Accidental Death Dismemberment AD D Insurance How does it work You choose the amount of coverage that s right for you and you keep coverage for a set period of time or term If you die during that term the money can help your family pay for basic living expenses final arrangements tuition and more AD D Insurance is also available which pays a benefit if you survive an accident but have certain serious injuries It pays an additional amount if you die from a covered accident Why is this coverage so valuable If you buy a minimum of 10 000 of coverage now you can increase your coverage in the future up to 50 000 to meet your growing needs There would be no medical underwriting to qualify for coverage What else is included A Living Benefit If you are diagnosed with a terminal illness with less than 12 months to live you can request 100 of your life insurance benefit up to 250 000 while you are still living This amount will be taken out of the death benefit and may be taxable These benefit payments may adversely affect the recipient s eligibility for Medicaid or other government benefits or entitlements and may be taxable Recipients should consult their tax attorney or advisor before utilizing living benefit payments Waiver of premium Your cost may be waived if you are totally disabled for a period of time Portability You may be able to keep coverage if you leave the company retire or change the number of hours you work Employees or dependents who have a sickness or injury having a material effect on life expectancy at the time their group coverage ends are not eligible for portability Who can get Term Life coverage If you are actively at work at least 30 hours per week you may apply for coverage for You Choooosseeffrroomm 1100 0 000toto 5 0500 00 000i0n i n1 01 000 000 iinnccrreemmeennttss uupptoto55titmimesesyoyuorueraeranrinngins gs You can get up to 50 000 This is the amount oYfocuocvaenraggeetyuopu tcoan 5q0u a0l0ify0 foTrhiwsitish tnhoemamedoicuanl t uonf dcoervweriatgineg you can qualify for with no Your sYpoouur se spouse medical underwriting Get up to 500 000 of coverage in 5 000 iGnecrteumpetnots 5S0p0o u0s0e0coofvceoravgeeracgaenninot e5x 0ce0e0d 1yino0cu0r resmeolffe tnhtes cSopveoruasgeecaomveoruangteyocaunpnuorct heaxsceeefodr Y1o0u0r spoof uthsee ccaonvegreatguepatmo o2u5n 0t 0y0ouwipthurncohase mfoerdyiocaulrusenldf erwriting if eligible see delayed eYfofeucrtsivpeoduastee c an get up to 25 000 with no Your children Your children Gmeetduipcatlou n1d0e 0r0w0riotifncgo vief realiggeibinle 2s e0e00delayed ienfcferecmtiveentdsaitfee l igible see delayed effective date One policy covers all of your children until their 2G6etthubpirtthod a1y0 000 of coverage in 2 000 Tinhceremmaexinmtsumif ebleignibefleit fsoerechdieldlareynedliveeffbeicrtthivteo 6 mdaotnet h Os inse 1p o0l0ic0y covers all of your children W AhDo Dca ncogveetuT6rAhnametcgioclemtni hdatehexisirnmi2tsua6 mtl1hD b0bee0iran0t tehhfdita fyo Dr cishmilderemnblievermbiretnhtto You Get up to 500 000 of AD D coverage for yourself in 10 000 increments to a maximum of 5 times your earnings Your spouse Get up to 500 000 of AD D coverage for your spouse in 5 000 increments if eligible see delayed effective date Your children Get up to 10 000 of coverage for your children in 2 000 increments if eligible see delayed effective date No medical underwriting is required for AD D coverage EN 1976 FOR EMPLOYEES 6 22 Unum Term Life Insurance 20

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 Employee Spouse Child 1 ______ 000 ______ 000 ______ 000 Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 Employee monthly rate Per 1 000 of coverage Cost 0 100 0 100 0 140 0 210 0 310 0 500 0 760 1 090 1 410 1 820 3 340 11 230 2 1 000 ________ 1 000 ________ 1 000 ________ 3 X ______ X ______ X ______ Total cost 4 _______ _______ _______ Spouse monthly rate Per 1 000 of coverage Cost 0 100 0 100 0 140 0 210 0 310 0 500 0 760 1 090 1 410 1 820 3 340 11 230 Child monthly rate 0 440 per 1 000 of coverage 1 Enter the AD D coverage amount you want 2 Divide by the amount shown 3 Multiply by the rate Use the AD D rate table at right to find the rate 4 Enter your cost Employee Spouse Child 1 ______ 000 ______ 000 ______ 000 AD D 2 1 000 ________ 1 000 ________ 1 000 ________ Employee Spouse Child AD D monthly rates Coverage amount per 1 000 of coverage per 1 000 of coverage per 1 000 of coverage 3 X 0 060 X 0 060 X 0 090 Total cost 4 _______ _______ _______ Rate 0 060 0 060 0 090 Billed amount may vary slightly If you apply for coverage above the guaranteed issue amount you may be subject to medical underwriting which may affect your ability to get the larger coverage amount In order to purchase coverage for your dependents you must buy coverage for yourself Coverage amounts cannot exceed 100 of your coverage amounts EN 1976 FOR EMPLOYEES 6 22 Unum Term Life Insurance 21

Exclusions and limitations Actively at work Eligible employees must be actively at work to apply for coverage Being actively at work means on the day the employee applies for coverage the individual must be working at one of his her company s business locations or the individual must be working at a location where he she is required to represent the company If applying for coverage on a day that is not a scheduled workday the employee will be considered actively at work as of his her last scheduled workday Employees are not considered actively at work if they are on a leave of absence or lay off An unmarried handicapped dependent child who becomes handicapped prior to the child s attainment age of 26 may be eligible for benefits Please see your plan administrator for details on eligibility Employees must be U S citizens or legally authorized to work in the U S to receive coverage Employees must be actively employed in the United States with the Employer to receive coverage Employees must be insured under the plan for spouses and dependents to be eligible for coverage Exclusions and limitations Life insurance benefits will not be paid for deaths caused by suicide occurring within 24 months after the effective date of coverage The same applies for increased or additional benefits AD D specific exclusions and limitations Accidental death and dismemberment benefits will not be paid for losses caused by contributed to by or resulting from Disease of the body diagnostic medical or surgical treatment or mental disorder as set forth in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders DSM Suicide self destruction while sane intentionally self inflicted injury while sane or self inflicted injury while insane War declared or undeclared or any act of war Active participation in a riot Committing or attempting to commit a crime under state or federal law The voluntary use of any prescription or non prescription drug poison fume or other chemical substance unless used according to the prescription or direction of your or your dependent s doctor This exclusion does not apply to you or your dependent if the chemical substance is ethanol Intoxication Being intoxicated means your or your dependent s blood alcohol level equals or exceeds the legal limit for operating a motor vehicle in the state or jurisdiction where the accident occurred Delayed effective date of coverage Insurance coverage will be delayed if you are not an active employee because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective Delayed Effective Date if your spouse or child has a serious injury sickness or disorder or is confined their coverage may not take effect Payment of premium does not guarantee coverage Please refer to your policy contract or see your plan administrator for an explanation of the delayed effective date provision that applies to your plan Age Reduction Coverage amounts for Life and AD D Insurance for you and your dependents will reduce to 65 of the original amount when you reach age 65 and will reduce to 50 of the original amount when you reach age 70 Coverage may not be increased after a reduction Termination of coverage Your coverage and your dependents coverage under the policy ends on the earliest of The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered The last day of the period for which you made any required contributions The last day you are actively employed unless coverage is continued due to a covered layoff leave of absence injury or sickness as described in the certificate of coverage In addition coverage for any one dependent will end on the earliest of The date your coverage under a plan ends The date your dependent ceases to be an eligible dependent For a spouse the date of a divorce or annulment For dependents the date of your death Unum will provide coverage for a payable claim that occurs while you and your dependents are covered under the policy or plan This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative Life Planning Financial Legal Resources services provided by HealthAdvocate are available with select Unum insurance offerings Terms and availability of service are subject to change Service provider does not provide legal advice please consult your attorney for guidance Services are not valid after coverage terminates Please contact your Unum representative for details Unum complies with state civil union and domestic partner laws when applicable Underwritten by Unum Life Insurance Company of America Portland Maine 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1976 FOR EMPLOYEES 6 22 Unum Term Life Insurance 22

State Service Company Incorporated Group Accident Insurance How does it work Accident Insurance provides a set benefit amount based on the type of injury you have and the type of treatment you need It covers accidents that occur off the job And it includes a range of incidents from common injuries to more serious events Why is this coverage so valuable It can help you with out of pocket costs that your medical plan doesn t cover like co pays and deductibles You ll have base coverage without medical underwriting The cost is conveniently deducted from your paycheck You can keep your coverage if you change jobs or retire You ll be billed directly Who can get coverage You If you re actively at work Your spouse Can get coverage as long as you have purchased coverage for yourself Your children Dependent children from birth until their 26th birthday regardless of marital or student status Employees must be legally authorized to work in the United States and actively working at a U S location to receive coverage See Schedule of benefits for a complete listing of what is covered What s included Be Well Benefit Every year each family member who has Accident coverage can also receive 50 for getting a covered Be Well screening test such as Annual exams by a physician include sports physicals well child visits dental and vision exams Screenings for cancer including pap smear colonoscopy Cardiovascular function screenings Screenings for cholesterol and diabetes Imaging studies including chest X ray mammography Immunizations including HPV MMR tetanus influenza Organized Sports Benefit Each family member that has Accident coverage is eligible for a 10 increase in payable benefits within the Injury and Treatment schedule of benefit categories See disclosures and schedule of benefits for more information How much does it cost Your monthly premium You You and your spouse You and your children Family Option 1 9 83 18 19 25 74 34 10 EN 2073 FOR EMPLOYEES 8 23 Unum Group Accident Insurance 23

SCHEDULE OF BENEFITS Hospitalization Admission Admission Hospital ICU added to Admission Daily Stay 365 days Daily Stay Hospital ICU added to Daily Stay Short Stay Injury Injury due to felony sexual assault Organized Sports Burns 2nd Degree Burns At least 5 but less than 20 of skin surface 2nd Degree Burns 20 or greater of skin surface 3rd Degree Burns Less than 5 of skin surface 3rd Degree Burns At least 5 but less than 20 of skin surface 3rd Degree Burns 20 or greater of skin surface Concussion Concussion Connective Tissue Damage One Connective Tissue tendon ligament rotator cuff muscle Two or more Connective Tissues tendon ligament rotator cuff muscle Dislocations Knee joint other than patella Ankle bone or bones of the foot other than toes Hip joint Collarbone sternoclavicular Elbow joint Hand other than Fingers Lower Jaw Shoulder Wrist joint Collarbone acromioclavicular and separation Finger or Toe Digit Kneecap patella Incomplete Dislocation Payable as a of the applicable Dislocations benefit Eye Injury Eye Injury EN 2073 FOR EMPLOYEES 8 23 1 000 1 000 300 300 200 150 10 500 1 000 2 000 5 000 10 000 200 90 150 1 650 1 650 3 375 825 500 500 500 500 500 325 150 500 25 200 Injury Fractures Skull except bones of Face or Nose Depressed Hip or Thigh femur Skull except bones of Face or Nose Non depressed Vertebrae body of other than Vertebral Processes Leg mid to upper tibia or fibula Pelvis Bones of the Face or Nose other than Lower Jaw Mandible or Upper Jaw Maxilla Upper Arm between Elbow and Shoulder humerus Upper Jaw Maxilla other than alveolar process Ankle lower tibia or fibula Collarbone clavicle sternum or Shoulder Blade scapula Foot or Heel other than Toes Forearm olecranon radius or ulna Hand or Wrist other than Fingers Kneecap patella Lower Jaw Mandible other than alveolar process Vertebral Processes Rib Tailbone coccyx Sacrum Finger or Toe Digit Chip Fracture Payable as a of the applicable Fractures benefit Same bone maximum incurred per accident Maximum payable multiplier for multiple bones Internal Injuries Internal Injuries Lacerations No Repair Repair Less than 2 inches Repair At least 2 inches but less than 6 inches Repair 6 inches or greater Loss of a Digit One Digit other than a Thumb or Big Toe One Digit a Thumb or Big Toe Two or more Digits 4 500 3 375 2 250 1 350 1 350 1 350 675 675 675 450 450 450 450 450 450 450 450 450 225 25 1 Fracture 2 Times 200 50 150 300 600 750 1 125 1 500 Injury Knee Cartilage Knee Cartilage Meniscus Injury Ruptured or Herniated Disc One Disc Two or more Discs Recovery Acquired Brain Injury At Home Care Physician Follow Up Visits Physician Follow Up Maximum Visits Prescription Drug Prescription Benefit Incidence per covered accident Rehabilitation or Subacute Rehabilitation Unit Behavior Health Therapy Behavior Health Therapy visits Telehealth Service Telemedicine Medical Service Therapy Services chiro speech PT occ acupuncture alternative Therapy Services Maximum Days Surgery Dislocations Dislocation Surgical Repair Payable as a of the applicable Injury benefit Anesthesia Epidural or Regional Anesthesia General Anesthesia Connective Tissue Exploratory without Repair Repair for One Connective Tissue Repair for Two or more Connective Tissues Eye Surgery Eye Surgery Requiring Anesthesia Fractures Fractures Surgical Repair Payable as a of the applicable Injury benefit Surgical Repair same bone maximum incurred per accident 150 150 250 25 100 75 2 Visits 25 1 Per Insured 100 20 15 Days 25 25 20 15 Days 100 100 250 100 800 1 200 300 100 1 Fracture Unum Group Accident Insurance 24

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

Organized Sports Benefit This increased benefit payment will be applied if the covered Accident occurs while playing an organized sport that required formal registration to participate and is officiated by someone certified to act in that capacity Active employment You are considered in active employment if on the day you apply for coverage you are being paid regularly for the required minimum 20 hours each week and you are performing the material and substantial duties of your regular occupation Insurance coverage will be delayed if you are not in active employment because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective New employees have a 30 day waiting period to be eligible for coverage Please contact your plan administrator to confirm your eligibility date If enrolling and eligible for Medicare age 65 or disabled the Guide to Health Insurance for People with Medicare is available at https www medicare gov publications 02110 medigap guide health insurance pdf Effective date of coverage Coverage becomes effective on the first day of the month in which payroll deductions begin Exclusions and limitations We will not pay benefits for a claim that is caused by contributed to by or occurs as the result any of the following committing or attempting to commit a felony being engaged in an illegal occupation or activity injuring oneself intentionally or attempting or committing suicide whether sane or not active participation in a riot insurrection or terrorist activity This does not include civil commotion or disorder Injury as an innocent bystander or Injury for self defense participating in war or any act of war whether declared or undeclared combat or training for combat while serving in the armed forces of any nation or authority including the National Guard or similar government organizations a Covered Loss that occurs while an Insured is legally incarcerated in a penal or correctional institution elective procedures cosmetic surgery or reconstructive surgery unless it is a result of trauma infection or other diseases 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 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 Additionally no benefits will be paid for a Covered Loss that occurs prior to the Coverage Effective Date End of Coverage If you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer Otherwise your coverage ends on the earliest of the the date this policy is canceled by Unum or your employer the date you are no longer in an eligible group the date your eligible group is no longer covered the date of your death the last day of the period any required premium contributions are made the last day you are in active employment However as long as premium is paid as required coverage will continue in accordance with the Continuation of your Coverage during Absences provision or if you elect to continue coverage for you your Spouse and Children under Portability of Accident Insurance We will provide coverage for a Payable Claim that occurs while you are covered under this certificate THIS IS A LIMITED BENEFITS POLICY This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this coverage This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to certificate form GAC16 1 et al and GAC16 2 and Policy Form GAP16 1 et al in all states or contact your Unum representative Unum complies with state civil union and domestic partner laws when applicable Underwritten by Unum Insurance Company Portland Maine 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 2073 FOR EMPLOYEES 8 23 Unum Group Accident Insurance 26

State Service Company Incorporated Group Hospital Insurance How does it work Group 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 payable 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 accessible 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 You ll be billed directly Group Hospital Insurance can pay benefits that help you with the costs of a covered hospital visit 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 newborn until their 26th birthday regardless of marital or student status 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 How much does it cost Your monthly premium You 12 33 Since our founding in 1848 YUonu uanmd yhouarsspboeuseen a leader in th e29 44 employee benefits business You and your children 18 42 Innovation integrity and an unwavering commFiatmmielynt to our customers ha s35 53 helped us become a global leader in financial protection benefits EN 372230 FOR EMPLOYEES 8 23 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 https www medicare gov publications 02110 medigap guide healthinsurance pdf Unum Group Hospital Insurance 27

Hospital Admission Hospital Daily Stay Hospital Payable for a maximum of 1 day per year Payable per day up to 365 days 1 500 100 Other Benefits Well Child Benefit Payable for maximum of 4 days per child before child reaches age 1 50 Exclusions and Limitations Hospital insurance filed policy name is Group Hospital Indemnity Insurance Policy The definition of hospital does not include certain facilities See your contract for details 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 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 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 essential health benefits or minimum EN 372230 FOR EMPLOYEES 8 23 essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for 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 details of coverage and availability please refer to Policy Form GHIP16 1 and Certificate Form GHIC16 1 or contact your Unum representative Unum complies with applicable civil union and domestic partner laws Underwritten by Unum Insurance Company Portland Maine 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries Unum Group Hospital Insurance 28

State Service Company Incorporated Group Critical Illness Insurance How does it work If you re diagnosed with an illness that is covered by this insurance you can receive a lump sum benefit payment You can use the money however you want Why should I buy coverage now It s more accessible when you buy it through your employer and the premiums are conveniently deducted from your paycheck Coverage is portable You may take the coverage with you if you leave the company or retire You ll be billed at home Be Well Benefit Every year each family member who has Critical Illness coverage can also receive a payment for getting a covered Be Well Benefit screening test such as Annual exams by a physician include sports physicals wellchild visits dental and vision exams Screenings for cancer including pap smear colonoscopy Cardiovascular function screenings Screenings for cholesterol and diabetes Imaging studies including chest X ray mammography Immunizations including HPV MMR tetanus influenza Who can get coverage You Your spouse Your children Choose 15 000 or 30 000 of coverage with no medical underwriting to qualify if you apply during this enrollment Spouses can only get 50 of the employee coverage amount as long as you have purchased coverage for yourself 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 spina bifida type 1 diabetes sickle cell anemia and congenital heart disease The diagnosis must occur after the child s coverage effective date Benefits may be subject to a pre existing condition provision EN 1717552 FOR EMPLOYEES 9 23 Why is this coverage so valuable The money can help you pay out of pocket medical expenses like deductibles You can use this coverage more than once Even after you receive a payout for one illness you re still covered for the remaining conditions and for the reoccurrence of any critical illness with the exception of skin cancer The reoccurrence benefit can pay 100 of your coverage amount Diagnoses must be at least 180 days apart or the conditions can t be related to each other What s covered Critical Illnesses Heart attack Stroke Major organ failure End stage kidney failure Sudden cardiac arrest Coronary artery disease Major 50 Coronary artery bypass graft or valve replacement Minor 10 Balloon angioplasty or stent placement Cancer conditions Invasive cancer all breast cancer is considered invasive Non invasive cancer 25 Skin cancer 500 Progressive diseases Amyotrophic Lateral Sclerosis ALS Dementia including Alzheimer s disease Multiple Sclerosis MS Parkinson s disease Functional loss Huntington s Disease Lupus Muscular Dystrophy Myasthenia Gravis Systemic Sclerosis Scleroderma Addison s Disease Supplemental conditions Loss of sight hearing or speech Benign brain tumor Coma Permanent Paralysis Occupational HIV Hepatitis B C or D Occupational PTSD Paid at 25 Infectious Diseases Pulmonary Embolism Transient Ischemic Attack TIA Bone Marrow Stem Cell Please refer to the certificate for complete definitions of these covered conditions Coverage may vary by state See exclusions and limitations Unum Group Critical Illness Insurance 29

Age under 25 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 79 80 84 85 Age under 25 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 69 70 74 75 79 80 84 85 Monthly costs Employee coverage 15 000 Spouse coverage 7 500 Be Well benefit 50 Employee Spouse 5 62 3 97 6 67 4 49 8 02 5 17 9 82 6 07 13 27 7 79 18 97 10 65 28 87 15 60 39 67 21 00 70 27 36 30 94 57 48 45 128 02 65 17 170 92 86 62 225 22 113 77 324 07 163 20 Monthly costs Employee coverage 30 000 Spouse coverage 15 000 Be Well benefit 100 Employee Spouse 11 24 7 94 13 34 8 99 16 04 10 34 19 64 12 14 26 54 15 59 37 94 21 29 57 74 31 19 79 34 41 99 140 54 72 59 189 14 96 89 256 04 130 34 341 84 173 24 450 44 227 54 648 14 326 39 Active employment You are considered in active employment if on the day you apply for coverage you are being paid regularly for the required minimum 20 hours each week and you are performing the material and substantial duties of your regular occupation Insurance coverage will be delayed if you are not in active employment because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective New employees have a 30 day waiting period to be eligible for coverage Please contact your plan administrator to confirm your eligibility date If enrolling and eligible for Medicare age 65 or disabled the Guide to Health Insurance for People with Medicare is available at https www medicare gov publications 02110 medigap guide health insurance pdf EN 1717552 FOR EMPLOYEES 9 23 Unum Group Critical Illness Insurance 30

Your paycheck deduction will include the cost of coverage and the Be Well Benefit Actual billed amounts may vary Exclusions and limitations We will not pay benefits for a claim that is caused by contributed to by or occurs as a result of any of the following committing or attempting to commit a felony being engaged in an illegal occupation or activity injuring oneself intentionally or attempting or committing suicide whether sane or not active participation in a riot insurrection or terrorist activity This does not include civil commotion or disorder injury as an innocent bystander or injury for self defense participating in war or any act of war whether declared or undeclared combat or training for combat while serving in the armed forces of any nation or authority including the National Guard or similar government organizations voluntary use of or treatment for voluntary use of any prescription or non prescription drug alcohol poison fume or other chemical substance unless taken as prescribed or directed by the Insured s Physician being intoxicated and a 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 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 Pre existing 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 End of employee coverage If you choose to cancel your coverage your coverage ends on the first of the month following the date you provide notification to your employer Otherwise your coverage ends on the earliest of the date this policy is canceled by Unum or your employer date you are no longer in an eligible group date your eligible group is no longer covered date of your death last day of the period any required premium contributions are made or last day you are in active employment However as long as premium is paid as required coverage will continue in accordance with the Continuation of your Coverage during Absences provision or if you elect to continue coverage for you your Spouse and Children under Portability of Critical Illness Insurance Unum will provide coverage for a payable claim that occurs while you are covered under this certificate Unum complies with applicable civil union and domestic partner laws THIS INSURANCE PROVIDES LIMITED BENEFITS This coverage is a supplement to health insurance It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law Insureds in some states must be covered by comprehensive health insurance before applying for this coverage This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Certificate Form GCIC16 1 and Policy Form GCIP16 1 or contact your Unum representative Underwritten by Unum Insurance Company Portland Maine 2023 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1717552 FOR EMPLOYEES 9 23 Unum Group Critical Illness Insurance 31

State Service Company Incorporated Short Term Disability Insurance How does it work If a covered illness or injury keeps you from working Short Term Disability Insurance replaces part of your income while you recover As long as you remain disabled you can receive payments for up to 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 Short Term Disability Insurance pays you a weekly benefit if you have a covered disability that keeps you from working What else is included Cesarean section benefit If you have a Cesarean section you will be considered disabled for a minimum period of eight weeks unless you return to work before the end of the time Consider your expenses Utilities Housing Groceries Transportation Child care Elder care Medical Personal care Education Insurance EN 1977 FOR EMPLOYEES 3 22 Unum Short Term Disability Insurance 32

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 1 500 per week The weekly benefit may be reduced or offset by other sources of income See the Legal Disclosures for more information 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 Calculate your cost For step 2 Enter your rate from the Rate Chart based on your age Choose the age you will be when your coverage becomes effective See your plan administrator for your plan effective date Disability worksheet 1 Calculate your weekly disability benefit ________ 52 ________ x 60 Your annual Your weekly Max of earnings earnings income covered 2 Calculate your cost per paycheck ________ 10 ________ x _______ Your weekly benefit amount Your rate __________ Max weekly benefit available if the amount exceeds the plan max of 1 500 enter 1 500 ________ x 12 _______ 12 __________ Your monthly cost Your annual Number of Your cost per cost paychecks paycheck per year Age 15 24 25 29 30 34 35 39 40 44 45 49 50 54 55 59 60 64 65 Rates 0 160 0 240 0 310 0 330 0 370 0 450 0 630 0 800 1 110 1 350 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 130 000 EN 1977 FOR EMPLOYEES 3 22 Unum Short Term Disability Insurance 33

Exclusions and Limitations Active employee You are considered in active employment if on the day you apply for coverage you are being paid regularly by your employer for the required minimum hours each week and you are performing the material and substantial duties of your regular occupation Delayed effective date of coverage Insurance coverage will be delayed if you are not an active employee because of an injury sickness temporary layoff or leave of absence on the date that insurance would otherwise become effective Definition of disability You are considered disabled when Unum determines that due to sickness or injury You are limited from performing the material and substantial duties of your regular occupation and you are not working or You are working but you have lost 20 or more in weekly earnings You must be under the regular care of a physician in order to be considered disabled The loss of a professional or occupational license or certification does not in itself constitute disability 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 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 The loss of a professional or occupational license does not in itself constitute disability Termination of coverage Your coverage under the policy ends on the earliest of the following The date the policy or plan is cancelled The date you no longer are in an eligible group The date your eligible group is no longer covered The last day of the period for which you made any required contributions The last day you are in active employment except as provided under the covered layoff or leave of absence provision Unum will provide coverage for a payable claim that occurs while you are covered under the policy or plan This information is not intended to be a complete description of the insurance coverage available The policy or its provisions may vary or be unavailable in some states The policy has exclusions and limitations which may affect any benefits payable For complete details of coverage and availability please refer to Policy Form C FP 1 et al or contact your Unum representative Underwritten by Unum Life Insurance Company of America Portland Maine 2022 Unum Group All rights reserved Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries EN 1977 FOR EMPLOYEES 3 22 Unum Short Term Disability Insurance 34