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The benefits plan year runsSeptember 1st, 2024, through August 31st, 2025.Unless you have a qualifiedchange-in-status event that impacts your eligibility andthe change is allowed under the terms of the insurancecontract or plan document, you cannot make changes to your benefits until the nextOpen Enrollment period.Benefit changes must be consistent with your qualified change-in-status event.Changes must be submitted to Human Resources within 30 days of the event; documentation supporting the change will be required.Who is eligible for benefits?All full-time employees who work a minimum of 30 hours per week are eligible for benefits. For new hires, benefits are effective on the 1st of the month following date of hire. In addition to enrolling yourself, you may also enroll any eligible dependents. Eligible dependents are defined below:• Spouse: a person to whom you are legally married by ceremony• Child(ren): Your biological, adopted, or legal dependents up to age 26 regardlessof student, financial, and marital status; coverage for a dependent child willterminate at the end of the month in which the child turns age 26Change-in-Status EventsUnless you have a qualified change-in-status event that impacts your eligibility andthe change is allowed under the terms of the insurance contract or plan document,you cannot make changes to the benefits you elect until the next Open Enrollmentperiod. Some examples of qualified change-in-status events are highlighted below:Marriage or divorceBirth, adoption, or deathChange in employment, or employment status for you, your spouse, or your dependent childChange in coverage under another employer plan, such as a change made during your spouse’s Open EnrollmentThe Branch School takes pride in providing acomprehensive employee benefits program,and we recognize the important roleemployee benefits play as a criticalcomponent of your overall compensation. Westrive to maintain a benefits program that isrewarding and competitive. WHAT’S INSIDE2Employee Resources Employee Contributions MedicalHealth Savings Account (HSA) Dental VisionLife/AD&DEAP / Travel Assistance

EMPLOYEE RESOURCESEMPLOYEE CONTRIBUTIONS MONTHLYPlan Features Employee Employee + Spouse Employee + Child(ren) FamilyMEDICAL—BlueCross BlueShield$7,100 HDHP PPO HSA $229.83 $1,149.14 $1,149.14 $2,068.45$3,250 HMO $176.83 $884.14 $884.14 $1,591.45DENTAL—AmeritasDental Plan $46.20 $87.04 $107.04 $147.88VISION—Principal Vision Plan $9.89 $18.41 $19.37 $29.803Based on 12 pay periods per yearCarrier Name Group # Website Phone NumberMedical BlueCross BlueShield of Texas 043177www.bcbstx.com800-521-2227Medical Provider Look-Up Instructions:www.bcbstx.com/find-a-doctor-or-hospital 1. Log-In or search as a guest2. Select plan/network – “Blue Choice PPO Plan or Blue Advantage HMO”3. Search by name, provider type, or zip codewww.ameritas.com800-487-5553Dental Provider Look-Up Instructions:DentalAmeritas0571331. Visit ameritas.com2. Select: FIND A PROVIDER, then DENTAL 3. Enter search criteria by location or specific dentist or practiceVision Insurance Principal / VSP1037260www.vsp.com800-245-1522Vision Provider Look-Up1. Visit www.vsp.com2. Select “Find a VSP Doctor”3. Enter your zip codeLife/AD&D InsurancePrincipal 1037260 www.principal.com 800-245-1522EAP / Travel Assistance Member.magellanhealthcare.comMagellen Health / AXA Principal Core www.principal.com/travelassistance 800-450-1327General HR & Payroll QuestionsRobbin Mills - (713) 465-0288millsr@thebranchschool.org

Frequently Asked QuestionsBENEFIT TERMINATION DATEWhen do benefits end if I were no longer eligible forbenefits or when I leave the company?The date coverage ends will depend on the benefitplan. Some may end on your last day of employment,while others may continue through the last day of themonth in which you worked. Refer to your benefitsummary, contact your HR Department, or call theinsurance carrier directly to confirm the date benefitsend for each of your benefit plans.BENEFIT CONTINUATIONMay I continue my benefits if I lose coverage due to theabove-mentioned reasons?Yes, you may be eligible to continue your medical,dental and vision plans through COBRA if covered underthese plans. You may be eligible for Conversion/Portabilityfor your life insurance if you request within 31 days fromyour employment termination or change to part-timestatus. Please refer to the respective benefit plansummaries or Summary Plan Description for additionalinformation.BENEFIT PREMIUM PAYMENTSHow do I find out how much my share of the benefitpremium cost is for the benefits I elect to enroll in?Please refer to page 3 of this guide or carrier summaries for the cost per pay period information. How will I pay for the voluntary benefits I elect to enrollin?Once your benefits take effect, premiums associatedwith each voluntary benefit plan option you enroll in willbe deducted from your paychecks.COMPREHENSIVE PLAN DETAILSDoes this benefit guide include all plan coverage details, exclusions, restrictions, limitations, and/or other stipulations that apply to the benefits described in this guide?No. This guide is intended to provide benefit coverage information in a summarized fashion and so does not Include all plan coverage information.For detailed coverage information, please refer to therespective benefit plan’s Summary Plan Description.NETWORKS & YOUR OUT-OF-POCKET COSTSHow do I make sure I get the best coverage?Many of your benefit plan options have provider networks. When you use doctors, other health care providers, hospitals, and facilities that are in your plan’s network you will receive the best coverage your benefit plans have to offer. Making sure that you use in-networkproviders will ensure you get the best coverage as out-of-network coverage does not provide discounts, doesnot protect you from balance billing, and may imposehigher deductibles, co-insurance, and out - of - pocketmaximums.If you receive services from out-of-network providers yourout-of-pocket costs are usually considerably higher. Thisis partly the case because you lose valuable networkdiscounts and, in addition to you not receiving adiscount, you may also be balance billed*.*Balance billing occurs when an out-of-network providerbills a patient for the difference between what theybilled for services rendered and what the insurancecompany has established as the maximum allowablecharge for the service(s) rendered by out-of-networkproviders; depending on the type of service(s) renderedyou may be balanced billed hundreds or thousands ofdol lars more than what you would ha ve been billed hadyou used an in-network provider. Why pay more? Selectfrom in-network providers and enjoy the best coverageyour plans have to offer.How do I locate in-network providers?Call the specific insurance carrier’s customer servicenumber or visit their website to locate in-networkproviders. Refer to the “Employee Resources” pagesection of this guide for instructions on how to locate In-network providers for each of the benefit plans youare enrolled in.What if I’m enrolled in the HMO plan option? The HMO plan offers in-network benefits only, unless in emergency situations. Therefore you must name a Primary Care Provider and receive services from this designated provider. Failure to see your listed HMO provider will cause your claims to not be covered. You may update your HMO provider at any time by going online to www.bcbstx.comEmployee Assistance ProgramOffers supportive services for employees and their families. Sign up for the monthly newsletter by submitting your email to EAPnews1327@magellanhealth.com.44

Summary of CoverageMedical Coverage5Plan Features BlueCross BlueShield of Texas Group # 043177IN-NETWORK $7,100 HDHP PPO (B661CHC) $3,250 HMO (G660ADT)Provider Network BlueChoice PPOBlue Advantage HMO (PCP Designation Required)HSA Compatible? YES NO Deductibles(Individual / Family)$7,100 / $14,200 $3,250 / $9,750Coinsurance (Member Responsibility)0% after deductible 0% after deductibleOut-of-Pocket Max(Individual / Family)$7,100 / $14,200 $3,250 / $9,750Preventive Care No Charge No ChargePrimary Care Visit0% after deductible$50 copayTelehealth $50 copaySpecialist Visit $90 copayDiagnostic Lab & X-RayLab: No charge after deductibleX-Ray: $100 / test + deductibleComplex Imaging $300 / test, deductible does not applyOutpatient Procedure $250 per visit + deductibleInpatient Stay $350 per visit + deductibleEmergency Room $650 per visit + deductible $400 per visit + deductibleUrgent Care 0% after deductible $75 copayRetail Pharmacy (30-day) 0% after deductible 0% after deductibleMail Order Pharmacy (90-day) *Excludes Specialty Drugs0% after deductible 0% after deductibleOUT-OF-NETWORKDeductibles (Individual / Family)$14,200 / $28,400 Not coveredOut-of-Pocket Max(Individual / Family)$14,200 / $28,400 Not coveredCoinsurance (Member Responsibility)0% after deductible Not coveredEmergency Room (must be true emergency)$650 per visit + deductible $400 per visit + deductible

6If you are enrolled in the $7,100 HDHP PPO medical plan, you may establish an HSA and contribute towards your account on a pre-tax basis. There are many advantages to contributing to an HSA account including:Health Savings Account (HSA)A health savings account (HSA) is a health care account and savings account in one. The main purpose of this account is to offset the cost of a qualifying high deductible health plan (HDHP) and provide savings for your out-of-pocket eligible health care expenses. Contributions to the HSA are pre-tax, providing savings for qualified medical expensesThis is a “portable” account. You own your HSA! It’s included in your employee benefits package, but after you set up your account, it’s yours to keep, even if you change jobs or retire.Once your HSA is established, money is contributed to your account by The Branch School, and you can then use your HSA dollars tax-free to pay for eligible health care expenses. You save money on expenses you’re already paying for, like doctors’ office visits, prescription drugs, and much more. Best of all, you decide how and when to use your HSA dollars.According to the IRS, you cannot be covered by a medical plan that is not a High Deductible Health Plan (HDHP) and establish and/or contribute toward an HSA. Also, if applicable, you cannot contribute toward an FSA, unless it is a Limited FSA plan. 6The Branch School will contribute $1,000 annually to each employee’s HSA account. You must be enrolled in the $7,100 HDHP (B661CHC).IRS Annual LimitsANNUAL employer Contribution2024 Max Contribution (employer + employee)2025 Max Contribution (employer + employee)Employee Only $1,000 $4,150 $4,300Employee + Dependents$1,000 $8,300 $8,550Catch-Up contributionEmployees age 55+ may contribute an additional $1,000 per yearHow much can I contribute?

Dental PlanSummary of Coverage7Plan Features Ameritas Policy # 051733PPO PlanProvider Network Ameritas Dental NetworkIN-NETWORKCalendar Year Maximum $1,500Annual Deductible (Individual / Family) $50 / $150Preventive Care• Routine Cleanings (2 per benefit period)• Routine Exams (2 per benefit period)• Bitewing X-rays (2 per benefit period)• Sealants (age 16 and under)0%, no deductible Basic Procedures• Simple / Complex Extractions• Amalgam / Composite Fillings • Denture Repair• AnesthesiaWhat You Owe:20-10-0%*Major Procedures • Onlays• Crowns (1 in 5 years per tooth)• Endodontics / Periodontics• Prosthodontics (1 in 5 years)50%Orthodontia Not CoveredAmeritas Dental Rewards* Benefit Threshold 1 $500Annual Carryover Amount 2$250Annual PPO Bonus 3$100Maximum Carryover 4Unlimited*Ameritas Rewards is an enhanced product that offers an increased maximum for hearing, LASIK, orthodontia and vision as well as dental. It allows members to utilize unused dental maximum carryover amounts from previous years towards dental benefits. 1 To qualify, dental benefits received for the year cannot exceed this amount. 2 This Ameritas Rewards carryover amount is added to the following year's maximum. 3 Additional bonus is earned if the member sees a contracted, in-network PPO provider. 4 Maximum possible accumulation for Dental Rewards and PPO Bonus combined. OUT-OF-NETWORKOut-of-Network Claim Payment Basis 90th Percentile*Basic procedures show coinsurance as a range. Coinsurance levels progressively increase to reward employees. As long as members have at least one dental claim submitted each benefit period, they continue to advance one coinsurance level until the reach the highest benefit level.

Vision PlanSummary of Coverage- Employee Paid8Plan FeaturesPrincipal / VSPPolicy# 1037260In-Network Out-of-Network Reimbursement Provider Network VSP NetworkVision Exam $10 copay Up to $45Prescription LensesSingle Vision $25 copay Up to $30Lined Bifocal $25 copay Up to $50Lined Trifocal $25 copay Up to $65Lenticular $25 copay Up to $100Frames*$150 allowance + 20% discounton balance over allowanceUp to $70Contact Lenses* (In lieu of frames and lenses)Elective / Conventional $150 allowance Up to $105Medically Necessary$25 copay; may be covered in full for members with specific conditionsUp to $210Contact Lens Fitting & EvaluationUp to $60 copay N/AAdditional SavingsGlasses & Sunglasses: Lens enhancements are covered after a copay, savings members an average of 20-25% off additional classes and sunglasses, including lens options from any VSP doctor within 12-months of your last covered vision examContacts: 15% off cost of contact lens exam (fitting and evaluation)Laser Vision Correction: Average 15% off the regular price of 5% off the promotional price; discounts only available from contacted facilities Frequency (from date of last service)Exam Every 12 MonthsLenses Every 12 MonthsContacts Every 12 MonthsFrames Every 24 Months

9• • Accelerated Death Benefit – If you become terminallyill, you may be able toreceive a portion of yourlife benefit.Waiver of Premium – If you're disabled, you may be able to continue your coverage and not payPremium.Conversion- If coverage terminates, you may be able to convert coverage to an individual policy.Who Is Eligible:• All Active, full-time, regular employeesBenefits You Receive:• The Branch School provides every eligible employee with group term lifeand AD&D insurance equal to $25,000 at no cost to you. Coverage is automatic and does not require an election though beneficiary designation is required. Summary of CoverageGroup Term Life and AD&D (100% Employer Paid)Plan Features Employer Paid Term Life and AD&DEmployee Life Benefit $25,000Employee AD&D Benefit $25,000Included Benefits Accelerated Death Benefit and ConversionThe following benefit reduction schedule shows how much benefits are reduced at certain ages:Age Benefit reduces by:70 35%75 55%Designating a Beneficiary: You must name a person(s) or entity to receive benefits in the event of your death. The beneficiary designation applies to your group term life and AD&D and voluntary life AD&D insurance. Contact Human Resources to update your beneficiary information. You can update your life insurance beneficiary at any time throughout the year and as many times as needed. Group Term Life and AD&D

10Voluntary Life and AD&DSummary of CoverageSupplemental Term Life and AD&D (100% employee Paid)Plan Features Employee Paid Term Life and AD&DEmployee:$10,000 to $300,000 in $10,000 incrementsSpouse:100% of employee amount; $5,000 to $100,000 in $5,000 incrementsChild(ren):100% of employee amount, $5,000 or $10,000The following benefit reduction schedule showshow much benefits are reduced at certain ages:Age Benefit reduces by:70 35%75 55%Guaranteed Issue (no medical questions required) *Employees under age 70: $100,000*Employees aged 70 or older: $10,000*Spouse under age 70: $20,000*Spouse aged 70 or older: $10,000*Child(ren) up to age 26: All AmountsAccelerated Death Benefit – If you become terminally ill, you may be able to receive a portion of your life benefit.Waiver of Premium – If you're disabled, you may be able to continue your coverage and not pay Premium.Conversion - If you're disabled, you may be able to continue your coverage and not pay Premium.Portability – If you no longer qualify for coverage, you may be able to continue coverage for yourself and your covered dependents. *Guarantee Issue is for newly eligible employees only. Late enrollments, employees increasing current elections, or employees who decide to enroll, must complete an evidence of insurability (EOI) for enrolled amounts. Guarantee Issue is subject to carrier restrictions and guidelines. You, as the employee, must elect coverage for yourself in order to elect for your spouse and/or child(ren).Designating a Beneficiary: You must name a person(s) or entity to receive benefits in the event of your death. The beneficiary designation applies to your group term life and AD&D and voluntary life AD&D insurance. Contact Human Resources to update your beneficiary information. You can update your life insurance beneficiary at any time throughout the year and as many times as needed.

11Employee Assistance Program - 100% Company PaidLife isn’t always easy. Sometimes a personal or professional issue can affect your work, health, and general well-being. During these tough times, it’s important to have someone to talk with to let you know you’re not alone. We are pleased to offer a strictly confidential employee assistance program (EAP) for you and your immediate family members. Our EAP is a comprehensive resource providing access to professional assistance for a wide range of personal and work-related issues. The service is provided by The Branch School, at no cost to you, and is available to you and your immediate family members twenty-four hours a day, 365 days a year, and provides resources to help employees find solutions to everyday issues. Sample topics include: Legal and financial matters Work and lifestyle Child / elder care resources and referrals Stress, anxiety, depression Substance abuse and addictionTravel Assistance Program - 100% Company PaidTake comfort in knowing that travel assistance travels with you worldwide, offering access to a network of professionals who can help you with local medical referrals or provide emergency assistance services in foreign locations. Travel assistance can help you avoid unexpected bumps in the road anywhere in the world for you, your spouse, and dependent children on any single trip, more than 100 miles from home for up to 120 consecutive days.You have options! Don’t delay if you need help. To speak to a counselor, or to learn more about your EAP plan, simply:Pre-Trip Assistance  Travel, health advisories, and inoculation requirements forforeign countries Daily Foreign currencyexchange rates Consulate and embassylocations Emergency Travel Support 24/7 access to telephonictranslation services Assistance with lost, stolen, ordelayed baggage while travelingon a common carrier Emergency payment and cashMedical Assistance  Help locating medical providers Transportation home for further treatment – in the event of death,assist in the return of mortalremains Coordination with your health insurance carrier during a medical emergencyAdditional Benefits

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