2026 CPIhealth Benefit Guide

EMPLOYEE BENEFITS GUIDE MAKE THE MOST OF YOUR BENEFITS 2026

CPIhealth Employee Benefits At C PIhealth , we value you and the contribution you make towards company success. To reward those contributions, CPIhealth offers an industry-leading benefit plan as a part of your total compensation package that supports your health, lifestyle, and financial goals. The descriptions provided in this Benefits Guide are intended to serve as an outline of the coverage offered. Please refer to the Summary of Benefits and Coverage (SBCs) and plan certificates for specific plan details.

YOUR BENEFITS BenefitEligibility................................................ 4 BenefitEnrollment.............................................. 5 Changing Your Benefits During the Year . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 YOUR HEALTH PLANS Medical|RXPlanSummaries...................................... 7 MDLIVE|Telemedicine.......................................... 10 DentalInsurance................................................ 11 VisualInsurance.. .............................................. 12 Basic Life and Accidental Death and Dismemberment Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Voluntary Life and Accidental Death and Dismemberment Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 Short-TermDisability............................................ 15 Voluntary Long-Term Disability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 FlexibleSpendingAccount....................................... 17 HealthSavingsAccount.......................................... 18 ADDITIONAL BENEFITS Critical Illness, Accident and Hospital Indemnity . . . . . . . . . . . . . . . . . . . Employee Assistance Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 401K........................................................... 29 Pet Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 20 ADDITIONAL INFORMATION EmployeeContributions.......................................... 31 Resources and Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32

Eligibility & Enrollment

Your Benefits Eligibility

Understanding your eligibility for benefits is the first step to investing in your total well-being and unlocking the full potential of the total rewards package that C PIhealth offers to our employees.

Covering your family members. Many of the plans offer coverage for your eligible family members. An eligible dependent is defined as: • Your legal spouse • Your children under age 26 regardless of student or martial status • Your dependent children over age 26 who are physically or mentally unable to care for themselves If you are a full-time employee… All full-time employees working at least 30 hours per week are eligible to participate in benefits. Coverage begins on the first day of the month following 30 days of employment for medical, dental, vision, Life and AD&D. Please take the time to review your current benefits and take action for the plan year 2026.

Benefits

WhoPays

Medical & Prescription Drug Plans

CPIhealth & You CPIhealth & You

Dental Plan Vision Plan

You You You

Health Savings Account Flexible Spending Accounts Life and AD&D insurance

CPIhealth

Voluntary Life and AD&D insurance Short-Term Disability insurance Voluntary-Long-Term Disability insurance

You

CPIhealth

You

Employee Assistance Program

CPIhealth

For more information about your benefits, please see the Summary Plan Description (SPD) or contact HR. Email: Payroll@cpihealth or dlhumanresources@nuraclinics.com

4 4

Enrolling in Benefits

Now that you’ve gained clarity on which benefits align with your eligibility and when your coverage kicks in, it’s time to familiarize yourself with the necessary steps to take action and enroll.

What is a Qualifying Life Event? You cannot change your benefits during the year unless you experience a qualifying life event. The most common qualifying life events are: • Marriage, legal separation or divorce • Birth, adoption or change in legal custody of eligible child(ren) • Death of your spouse or covered child • Loss of other coverage (e.g., child turns 26 and loses coverage through parent’s plan) Keep in mind, there are other, less common, life events that will allow you to change your benefit election during the plan year. Please contact Human Resource for a complete list of qualifying life events. If you experience a qualifying life event and wish to change your benefit elections, you must log into the Paylocity portal within 30 days of the life event. You may be required to provide proof of your life event, such as a birth certificate or marriage license. You may only modify your benefit elections that are directly impacted by the life event.

Open Enrollment Open enrollment is the one time each year where you can make changes to any of your benefits, without having a qualifying life event. The enrollment this year will be passive meaning that you will automatically be re-enrolled in your existing elections unless you make changes. However, FSA's require a new election each year. Open Enrollment Elections can be made by logging into Paylocity and selecting Benefits under the main menu. The open enrollment period is November 26th through December 12th, 2025. Any elections you make will become effective on January 1st, 2026, until December 31st, 2026.

Online Enrollment Paylocity In order to complete your enrollment, you need: • Dates of birth and social security numbers for yourself as well as any family members you are enrolling

EXAMPLE If you get married, you can add your new eligible spouse to the medical plan, you can also change which medical plan you are enrolled in.

Medical, Dental & Vision Plans

Your Health Benefits A complete understanding of your medical insurance plan(s) is key to supporting your mental physical well-being while also safeguarding you against unforeseen medical expenses. CPIhealth offers five medical insurance plans through Cigna. Please take the time to understand the features and differences of each plan so that you choose the coverage that is best for you and your family. All medical plans include in- and out-of-network benefits, which means you can choose any provider that you would like. However, you will pay less out of your pocket when you choose a Cigna network provider. Locate a Cigna network provider at www.Cigna.com. The tables on the next five pages summarizes the key features of the medical plans. Please refer to the official plan documents for additional information on coverage and exclusions.

Medical Insurance

With Cigna medical plans, you have the flexibility to see any doctor or specialist within the Cigna Open Access Plus network without needing a referral from a physician. As a plan participant, you are not obligated to select a primary care physician. These benefits apply exclusively to In-Network providers. To locate a provider, please visit www.cigna.com. Deductibles and out-of-pocket expenses accrue on a calendar year basis, running from January 1 to December 31.

Cigna Medical Plans

$1,000 Plan OAP PPO

$2,500 Plan OAP Plan PPO

$3,500 Plan OAP with HSA

PLAN BASICS

Calendar Year Deductible (Individual | Family) Coinsurance Percentage (Plan | Member)

$1,000 | $3,000

$2,500 | $7,500

$3,500 | $7,000

80% | 20%

100% | 0%

Maximum Out-of-Pocket Limit (Individual | Family) Copays and Coinsurance Office Visit (Primary Care | Specialist) Telehealth Visit: MDLive Preventive Care Diagnostic Lab Diagnostic X-Ray Advanced Imaging Urgent Care Facility Emergency Room Inpatient Hospital Outpatient Facility Out of Network Calendar Year Deductible (Individual | Family) Coinsurance Percentage (Plan | Member) Maximum Out-of-Pocket Limit (Individual | Family) Retail (Up to 30-Day Supply) Genetic Drugs Preferred Brand Name Drugs Non-Preferred Brand Names

$4,000 | $12,000

$5,500 | $14,700

$3,500 | $7,000

$30 | $60

Deductible Deductible Deductible Deductible Deductible Deductible Deductible Deductible Deductible

$30

$0 Most services $0 Most services $0 Most services

$0 Most services

Deductible , CoinsuranceDeductible , Coinsurance

$75

$500, Coinsurance

Deductible , CoinsuranceDeductible , Coinsurance Deductible , CoinsuranceDeductible , Coinsurance

$2,000 | $6,000

$5,000 | $15,000

$7,000 | $14,000

60% | 40%

70% | 30%

$28,000 | $56,000

Deductible Deductible Deductible Deductible

$50 $100 $150

Specialty Retail

Mail Order (Up to 90-Day Supply)

Up to 3 times the retail cost

This brochure is a brief overview of your plan. It does not list all benefits, nor does it list all exclusions and limitations. For more complete information, please refer to the Certificate, or the employer’s Master Policy. 8

Medical Insurance With Cigna medical plans, you have the flexibility to see any doctor or specialist within the Cigna Open Access Plus network without needing a referral from a physician. As a plan participant, you are not obligated to select a primary care physician. These benefits apply exclusively to In-Network providers. To locate a provider, please visit www.cigna.com. Deductibles and out-of-pocket expenses accrue on a calendar year basis, running from January 1 to December 31.

Cigna Medical Plans

$7,000 Plan OAP Plan PPO

$6,000 Plan OAP with HSA

PLAN BASICS

Calendar Year Deductible (Individual | Family) Coinsurance Percentage (Plan | Member) Maximum Out-of-Pocket Limit (Individual | Family) Copays and Coinsurance Office Visit (Primary Care | Specialist) Telehealth Visit: MDLive

$7,000 | $15,800

$6,000 | $12,000

100% | 0%

$7,900 | $15,800

$6,000 | $12,000

$40 | $80

Deductible Deductible Deductible Deductible Deductible Deductible Deductible Deductible Deductible

$40

Preventive Care Diagnostic Lab Diagnostic X-Ray Advanced Imaging Urgent Care Facility Emergency Room Inpatient Hospital Outpatient Facility

$0 Most services $0 Most services $0 Most services

$0 Most services

Deductible

$75

$500 Copay, Deductible

Deductible Deductible

Out of Network Calendar Year Deductible (Individual | Family) Coinsurance Percentage (Plan | Member) Maximum Out-of-Pocket Limit (Individual | Family) Retail (Up to 30-Day Supply) Genetic Drugs Preferred Brand Name Drugs Non-Preferred Brand Names

$10,000 | $20,000

50% | 50%

70% | 30%

$28,000 | $56,000

Deductible Deductible Deductible Deductible

$50 $100 $150

Specialty Retail

Mail Order (Up to 90-Day Supply)

Up to 3 times the retail cost

Telemedicine Virtual Healthcare

CPI health is committed to your physical and mental well-being, offering several program options with you in mind. Virtual doctor’s visits allow you to see and speak to a doctor or licensed therapist online, anytime.

When Virtual Healthcare is Appropriate Virtual healthcare is good for routine issues such as: • Cold and flu symptoms • Allergies • Pink eye • Urinary tract infections • Rash • Sinus problems • Quick assessment for severity • Stomach aches

When Virtual Healthcare is Not Appropriate • Virtual healthcare is not good for diagnoses that require a hands-on exam and lab test, emergencies or for injuries such as sprains and broken bones

Behavioral Health Virtual Healthcare Stressed or anxious? Getting help is now easier than ever with the help of virtual therapy. Virtual therapy offers confidential counseling and includes: • Private video sessions: get 1-on-1 support in your home and at a time that’s convenient for you • Help with coping (for children, teens and adults): your licensed therapist may provide a diagnosis, treatment and medication if needed • Similar standard of care as in- person visits: you can see the same therapist with each appointment and establish an ongoing relationship

MDLIVE is easy to use! • Book an appointment from anywhere, anytime at mdliveforcigna.com or call 888-726.3171 • Video chat with a board-certified doctor from your phone, tablet, or computer • A prescription can be sent to the pharmacy nearest you All of the Cigna medical plans include telemedicine benefits. Register today at www.mdliveforcigna.com so that you are ready to use this benefit when you need it. You will need your medical insurance information to complete your registration so be sure to have your medical insurance ID card handy. EXAMPLE Over the weekend, Linda’s daughter begins itching her eye excessively. Knowing her primary care physician is not in the office, Linda utilizes virtual healthcare. She simply speaks with a doctor virtually, sends in photos of her child’s eye, and the doctor is able to prescribe an antibiotic for pink eye. Rather than waiting in an urgent care, Linda is able to stay home and care for her daughter! This brochure is a brief overview of your plan. It does not list all benefits, nor does it list all exclusions and limitations. For more complete information, please refer to the Certificate, or the employer’s Master Policy.

Virtual therapy is designed to help treat conditions like:

• ADD/ADHD • Addiction • Anxiety

• Depression • Mental health disorders

Dental Insurance

A complete understanding of your dental insurance plan is key to protecting your smile and your wallet.

The dental plan benefits for the 2026 plan year will be provided by Guardian. The plan includes in- and out-of-network benefits, which means you can choose any dentist that you would like. However, you will pay less out of your pocket when you choose a Guardian network dentist. Locate a Guardian network dentist at www.guardianlife.com. The table below summarizes the key features of the dental plan. Please refer to the official plan documents for additional information on coverage and exclusions. The table below summarizes the key in-network features of the dental plans. The coinsurance amounts listed reflect the amount you pay for services. Please refer to the official plan documents for additional information on coverage and exclusions.

Did You Know? A visit to the dentist is about more than just a teeth cleaning. By looking in your mouth, your dentist can tell a lot about your overall health. In fact, he or she may be able to identify early signs of disease, such as diabetes, heart disease, kidney disease, and even some forms of cancer, before you even notice symptoms.

Plan Benefits

In-Network

Out-Of-Network

Calendar Year Deductible (Individual | Family)

$50 | $150

$2,500

Annual Maximum Coverage

Preventive Care (Exam and X-rays)

Plan Pays 100%

Plan Pays 80% Plan Pays 50%

Basic Services (Fillings, Simple Extractions) Major Services (Crowns, Bridges, Dentures) Orthodontia Under 26 Dependent Age Limit

Plan Pays 50% up to $1,000

26Years $900 $450 $1,500

26Years

$900 $450

Rollover Threshold Rollover Amount

Rollover Account Limit $1,500 NOTE: Your on-line account will be set up within 30 days after your effective date.

Guardian’s Innovative Dental Maximum Rollover WithMaximumRollover, DentalGuardmembers can havea portion of their unusedannual maximum rolled over into their personal Maximum Rollover Account (MRA). This MRA can be utilized in future years if a member reaches theplan'sannualmaximum.Ifamember exclusively usespreferred providersduring the benefit year, the amount credited to their MRA increases. To be eligible for this increase, a member must have a paid claim (not just a visit) and must not exceed the paid claims threshold during the benefit year. It's important to note that each member's MRAcannot exceed the MRAlimit. Both the employee and insured dependents maintainseparateMRAsbasedontheirindividualclaimactivity. AnnualMRAstatementscan be viewed online at www.GuardianAnytime.com or call (888) 600-1600. 11

Vision Insurance

A complete understanding of your vision insurance plan(s) is key to investing in your health and managing potential costs down the road.

CPIhealth offers a vision insurance plan through EyeMed. This plan allows you to choose any eye care provider. However, you will maximize the plan benefits when you choose a network provider.

The table below summarizes the key features of the vision plan. Please refer to the official plan documents for additional information on coverage and exclusions.

OUT-OF- NETWORK REIMBURSEMENT

PLAN DETAILS

IN-NETWORK

EyeMed Network

N | A

Network Name

$10 $25

Up to $37 Reimbursement

ExamCopay

N | A

Material Copay

Single

Up to $20 | $36 | $64 Reimbursement

Covered in Full after Materials Copay

Bifocal Trifocal

$0 copay, $150 allowance plus 20% off balance over allowance $0 copay, $150 allowance plus 15% off balance over allowance

Up to $66 Reimbursement

Frames Allowance

Up to $102 Reimbursement

Contact Lenses Allowance

Contact Lenses Allowance Medically Necessary Service Intervals (Exam | Lenses | Frames) Locate a provider Three ways to find one: • www.Eyemed.com • Mobile App • Customer Care Center

$0 Copay, Paid in Full

Up to $210 Reimbursement

12 months |12 months | 12 months

Members can get exclusive additional discounts and deals that are often stackable with their vision benefits a: www.member.eyemedvisioncare.com

Did You Know?

Just by looking in your eyes, a doctor can find warning signs of serious diseases and conditions like high blood pressure, high cholesterol, thyroid diseases, and certain types of cancer. In fact, eye doctors are frequently the first to detect signs of abnormal health conditions.

Basic Life and AD&D Insurance

Consider your life and accidental death and dismemberment coverage options carefully, as these benefits greatly enhance your financial well-being by providing financial support to those who depend on you. Life and accidental death and dismemberment (AD&D) thru Guardian Insurance provides financial protection for those who depend on you for financial support. Upon your death, your designated beneficiary will receive the life benefit. If you die as the result of an accident, you beneficiary will receive both the life and AD&D benefits. It is important to have a current beneficiary designated for life insurance. Please verify/update your beneficiary during open enrollment. Employer-Paid Term Life and AD&D Insurance This benefit is 100% paid by C PIhealth . The benefit provides eligible employees with group Life and Accidental Death and Dismemberment (AD&D) insurance in the amount of $50,000. Basic Life and AD&D coverage amount reduces to 65% at age 65, to 50% at age 70.

ELEGIBILITY – ALL ELIGIBLE EMPLOYEES

You must be actively working a minimum of 30 hours per week.

Eligibility Requirement

Premium Payment

There isnocost toyoufor thisinsurance.

BENEFITS

Life Insurance Benefit Amount

$50,000

Accidental Death & Dismemberment Benefit

$50,000

FEATURES

75%oftheamount of the lifeinsurance benefit isavailableto you if terminally ill, not to exceed $37,500.

Living Care/Accelerated Death Benefit

Voluntary Life and AD&D Insurance

Depending on your personal situation, basic life and AD&D insurance might not be enough coverage for your needs. CPIhealth provides you the option to purchase voluntary life and AD&D insurance. Voluntary Term Life and AD&D Insurance You can also choose to purchase additional Life insurance beyond what CPIhealth provides you thru Guardian. Voluntary Life coverage is 100% paid by the employee, and premiums are based on age, and the volume amount you choose. When determining how much life insurance you need, think about the expenses you may encounter now and through every stage of your life.

ELEGIBILITY – ALL ELIGIBLE EMPLOYEES

You must be actively working a minimum of 30 hours per week to be eligible for coverage. Tobeeligibleforcoverage, yourdependents mustbeabletoperform normalactivities, and not be confined (at home, in a hospital, or in any other care facility), and any child(ren) must be under age 26. Inorder for your spouse and/or child(ren) to be eligible for coverage, you must elect coverage for yourself.

Eligibility Requirement

Dependent Eligibility Requirement

Premium Payment

The premiums for this insurance are paid infull by you.

COVERAGE GUIDELINES

Covered Person

Minimum

Guaranteed Issue

Maximum

$500,000, in increments of $10,000, but no more than 7 times annual salary 100% of employee’s benefit, in increments of $5,000, up to $100,000 100% of employee’s benefit, in increments of $2,500, up to $10,000

7 times annual salary, up to $200,000 100% of employee’s benefit, up to $30,000

$10,000

For You

$5,000

Spouse

$2,500

Up to $10,000

Child(ren)

BENEFITS

Withinthecoverageguidelines defined above,youselecttheamount oflifeinsurance coverage you want. This plan includes the option to select coverage for your spouse and dependent child(ren).Child(ren) includethoseuptoage26.Intheeventofdeath,the benefitpaidwillbeequaltothebenefit amount after any agereductions lessanyliving care/accelerated death benefits previously paid under this plan. Foryou, your spouse and your dependent child(ren):The PrincipalSum amount isequal to the amount of the life insurance benefit. AD&D coverage is available if you or your dependents are injured ordieas a result of an accident, and the injury ordeath is independent ofsickness and allother causes. The benefit amount depends onthe type of loss incurred and is either all or a portion of the Principal Sum.

Life Insurance Benefit Amount

Accidental Death & Dismemberment (AD&D) Benefit Amount

FEATURES

75%oftheamountofthelifeinsurance benefitisavailabletoyouifterminally ill,notto exceed $375,000. If it is determined that you are totally disabled, your life insurance benefit will continue without payment of premium, subject to certain conditions.

Living Care/Accelerated Death Benefit

Waiverof Premium

We’ve Got You Covered As a benefit eligible employee of CPIhealth, you have access to a disability income insurance policy from Guardian. A disability income insurance policy can help provide security when you need it, plus give you peace of mind so you can recover faster and get back on the job sooner. Coverage guidelines and benefits are outlined below.

Disability Insurance

Understanding your disability benefit options is crucial, as they safeguard your income and ensure your financial stability in the long run.

Short-Term Disability Insurance This benefit is 100% paid by C PIhealth . Disability insurance covers a part of your income, so you can pay your bills if you’re injured or sick and can’t work. Disability is more common that you might realize, and people can be unable to work for all sorts of different reasons. In fact, many disabilities are caused by illness, including common conditions like heart disease and arthritis. However, most disabilities aren't covered by workers' compensation.

ELEGIBILITY – ALL ELIGIBLE EMPLOYEES

You must be actively working a minimum of 30 hours per week to be eligible for coverage.

Eligibility Requirement

Premium Payment

There isno costtoyoufor thisinsurance.

BENEFITS

If you become disabled, there is an elimination period before benefits arepayable. Yourbenefits begin: ·Onthe 8th day of your disabling injury. ·Onthe 8th day of your disabling illness. Yourbenefitisequivalentto60%ofyourbefore-tax weekly earnings, nottoexceed theplan’smaximum weekly benefitamount lessother income sources.

Elimination Period

Weekly Benefit

Up to 12 weeks

Maximum Benefit Period Maximum Weekly Benefit Minimum Weekly Benefit

$1,000 None

If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability benefits, which will help supplement your income untilyou are abletoreturn towork full-time.

Partial Disability Benefits

Disability Insurance (continued)

Voluntary Long-Term Disability Insurance If you are not able to return to work after the short-term disability benefit period ends, you may be eligible for Long-Term disability, which provides additional salary continuation.

We’ve Got You Covered As an benefit eligible employee of CPIhealth you have access to a disability income insurance policy from Guardian. A lengthy disability can be devastating, and is more common than you might think. It may lead to a loss of income, independence and financial security. A disability income insurance policy can help provide security when you need it most. It pays you cash benefits when you’re sick or hurt and can’t work. Coverage guidelines and benefits are outlined in the chart below.

ELEGIBILITY – ALL ELIGIBLE EMPLOYEES

Youmust be actively working a minimum of 30 hours per week to be eligiblefor coverage.

Eligibility Requirement

Premium Payment

The premiums for this insurance are paid infull by you.

BENEFITS

Yourbenefits beginonthelater of90calendar daysafter theonsetofyour disabling injury or illness or the date your short-term disability ends.

Elimination Period

Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount less other income sources. The premium for your long-term disabilitycoverage iswaived while you are receiving benefits.

Monthly Benefit

$10,000

Maximum Monthly Benefit

$50

Minimum Monthly Benefit

If you become disabled and can work part-time (but not full-time), you may be eligible for partial disability benefits. If you become disabled priortoage 62, benefits are payable to age 65, your Social Security Normal Retirement Age or 3.5 years, whichever is longest. At age 62 (and older),thebenefit periodwillbebased onareduced durationschedule.

Partial Disability Benefits

Maximum Benefit Period

Flexible Spending Account

Save MoneyWithanFSA Using a flexible spending account (FSA) saves you money by allowing you to pay for eligible expenses on a tax-free basis. When you contribute to an FSA, you save approximately 30%* on eligible expenses, making a $100 eligible purchase cost you about $70. You get these savings because the contributions. *Thistaxexampleisabroad approximation oftaxliability. Further,yourcontributions maybesubjecttostateincometaxinsomestates.Yourspecific savings dependon your tax bracket. You should consult a tax advisor for help with your own situation. CurrentIRStaxlawscontrol all pre-taxpaymentandcontribution mattersandare subject to change.

FSA Options You may participate in any FSA available under CPIhealth you’re eligible to participate. Health Care FSA Allows you to pay for eligible medical , vision , and dental expenses that are not covered by another health plan. As long as you (or a covered spouse) are not contributing to a health saving account (HSA), you can use a health care FSA to supplement out-of-pocket costs. Limited Health FSA Allows you to pay for eligible vision and dental expenses that are not covered by another health plan. This is a great option if you (or your spouse) contribute to a health savings account (HSA) because you can maximize savings by participating in both plans at the same time. Dependent Care FSA Allows you to set aside pre-tax funds to pay for daycare expenses for eligible children or other eligible dependents. You (and your spouse if you’re married) must be working, looking for work, or be a full-time student to use this account .

Next Steps

1. View Eligible Expenses Consider which eligible expenses you can use your FSA funds on to help inform your contribution amount. These expenses will varydepending on which FSA you enroll in. For a full list of eligible health care FSA and dependent care FSA expenses, visit www.ebcflex.com/eligibleexpenses . 2. Choose Your Contribution Amount After considering the eligible expenses, decide how much you would like to contribute to the FSA. You can elect to contribute up to the established limit: • Health Care and Limited Health FSA | $3,400 • Dependent Care FSA – Married Filing Separately | $3,750 • Dependent Care FSA – Single or Married Filing Joint | $7,500 *Limit may be lower depending on individual circumstances. 3. Complete the Enrollment Process After determining which FSA to enroll in and the election amount, you should now have a better understanding of your available options and be prepared to complete the enrollment process.

ContactUs

www.ebcflex.com (800) 346-2126 participantservices@ebcflex.com |

Health Savings Account

The benefit that helps you save & invest in your health care. A health savings account (HSA) is a savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. With an HSA, you save approximately 30%* on your eligible expenses, making a $1,000 expense cost you about $700. You get these savings because the contributions you make to your HSA are exempt from Federal, State, and FICA payroll taxes. *This tax example is a broad approximation of tax liability. Your specific savings depend on your tax bracket. Further, your contributions may be subject to state income tax in some states. You should consult a tax advisor for help with your own situation. Current IRS tax laws control all pre-tax payment and contribution matters and are subject to change.

NextSteps

HSA Options

HSAs offer flexibility and planning beyond what you get with other benefits. Spendyour HSAdollars when you need them, save your HSAdollars when you don’t have an immediate need, and invest some of your savings as your balance grows tosee your money groweven faster. Spend: Usefunds onatax-free basis topay for eligible purchases as they comeup. Save : Put funds away for future expenses. Take advantage ofa high- yieldHSA , which gives you the potentialofahigher interest rate Invest : Help support your financial wellness by investing funds for health emergencies orhealth costs incurred during retirement

1. Consider Your Interest Options At EBC, there are two interest options for your HSA—a traditional interest option or a high-yield interest option . When you first enroll in your HSA, your HSA cash balance will automatically start out with the traditional HSA interest option, but you have the ability to transition your HSAcashbalance toahigh-yield HSAoptionatany time. The high-yield HSAgivesyoutheopportunitytoearnhigherinterest onyourHSAfunds byhavingyour HSAheld ina non-FDIC-insured accountthat is backed by a highly rated insurance company,PacificLife.Youcanchangeyourinterestoptionpreference anytimethrough your online account. Learn more at www.ebcflex.com/highyieldhsa . 2. Learn More About Investing Once your HSA reaches a $1,000 cash balance, you can start investing your HSA funds. There arethree investment modelstochoosefrombasedonyourexpertise—Managed, Self-Directed, and Brokerage. Whether you’re new to investing and are looking for a guided experience or are a seasoned investor looking to research and trade stocks and ETFs,youwillhaveaninvestment modelthatbestfitsyourneeds. Ifyourinvestmentneeds ever change, you can switch your investment model at any time. You can also transfer funds between your HSA cash balance and investment balance at any time. 3. View Eligible Expenses Consider which eligible expenses you can use your HSA funds on to help inform your contributionamount. ForafulllistofeligibleHSAexpenses, visit www.ebcflex.com/eligibleexpenses . 4. Choose Your Contribution Amount After considering the eligible expenses, decide how much you would like to contribute to theHSA. For2026, youcanelecttocontributeuptothe establishedlimit: Self-Only Health Plan | $4,400 Family Health Plan | $8,750 5. Complete the Enrollment Process After determining that an HSA is right for you, if you are eligible for an HSA, and determiningyourelectionamount,youshouldnowhaveabetterunderstanding ofyour available options and be prepared to complete the enrollment process.

ContactUs

www.ebcflex.com (800) 346-2126 participantservices@ebcflex.com |

Other Benefits

Watch our video How critical illness insurance helps cover the costs of treatment.

Critical illness insurance Critical illness insurance may help you cover expenses not covered by your health insurance. It’s a cash payment you receive if you ever experience a serious illness like cancer, a heart attack, or a stroke, giving you the financial support to focus on recovery. Who is it for? Critical illness insurance is a supplemental policy forpeople whoalready havehealthinsurance.Itprovidesyouwithanadditional paymentto coverexpenseslikedeductibles,treatments,andliving costs. What does it cover? Critical illnesses include strokes, heart attacks, Parkinson’s disease andcancer.Ourpoliciescancoverover30majorillnesses, helping youstayfinanciallystablebypayingyoualumpsumif you’re diagnosedwithoneofthem. Why should I consider it? Health coverage is becoming more expensive, with higher co-pays, premiums, and deductibles. Critical illness insurance isanaffordable way to supplement and pay for additional expenses that your health insurance doesn’t cover. Our policies typically provide payments for the first and second time you’re diagnosed with a covered illness. Plus, critical illness insurance is portable and payments are made directly to you.

Critical costs John is hospitalized after a heart attack, and has to cover the cost of five days as an inpatient.

Average heart attack hospitalization expense: $53,000

Average Major Medical deductible: $1,500 Major Medical covers 80% of the cost after the deductible is met, but John’s still responsible for 20%: $10,300. Total out-of-pocket amount for John (deductible + coinsurance): $11,800. John has a $10,000 Guardian Critical Illness policy, which covers the majority of these out-of-pocket expenses.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages forspecific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

Your critical illness coverage

Employee may choose a lump sum benefit of $10,000 to $30,000 in $10,000 increments.

Benefit Amount(s)

CONDITIONS

1 st OCCURRENCE

2 nd OCCURRENCE

Cancer

Invasive Cancer

100%

50%

Carcinoma In Situ

30%

Benign Brain or Spinal Tumor

100%

Skin Cancer

$250

BRCA 1 & BRCA 2

30%

Not Covered

Bone Marrow Failure (including Stem Cells)

100%

50%

Lung and Vascular Disorder

Aneurysm

10%

Pulmonary Embolism

30%

Stroke – Moderate

50%

25%

Stroke – Severe

100%

50%

Transient Ischemic Attack (TIA)

10%

Heart Conditions

Coronary Artery Disease

10%

Coronary Artery Disease – bypass needed

50%

Heart Attack

100%

50%

Heart Failure

100%

50%

Pacemaker

10%

Additional Conditions

Kidney Failure

100%

50%

Major Organ Failure

100%

50%

1 st OCCURRENCE ONLY

Addison's Disease

30%

100%

Coma

Loss of Hearing

100%

Loss of Sight

100%

Loss of Speech

100%

Permanent Paralysis

100% for 1 or more limbs

Severe Burns

100%

Chronic Disorders

Crohn’s Disease

30%

Epilepsy

10%

Lupus

30%

Ulcerative Colitis

30%

Your critical illness coverage

Neurological Disorders

CRITICAL ILLNESS

Alzheimer's Disease – Early

50%

Alzheimer’s Disease – Advanced

100%

ALS (Lou Gehrig's Disease)

100%

Dementia – other causes

100%

Huntington's Disease

30%

Multiple Sclerosis – Early

50%

Multiple Sclerosis – Advanced

100%

Myasthenia Gravis

30%

50%

Parkinson's Disease – Early

100%

Parkinson's Disease – Advanced

Childhood Illnesses and Disorders Autism Spectrum Disorder Cerebral Palsy Cleft Lip/Cleft Palate Club Foot Congenital Heart Defect Cystic Fibrosis Diabetes – Type 1 Down Syndrome Hemophilia Multisystem Inflammatory Disease (MLS) Muscular Dystrophy

100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100%

Spina Bifida

May choose a lump sum benefit of $10,000 to $30,000 in $10,000 increments up to 100% of the employee's lump sum benefit.

Spouse Benefit

50% of employee's lump sum benefit

Child Benefit- children age Birth to 26 years

We Guarantee Issue up to: $30,000

Guarantee Issue: The ‘guarantee’ means you are not required to answer health questions to qualify for coverage up to and including the specified amount, when you sign up for coverage during the initial enrollment period or the annual open enrollment period.

For a spouse:

For a child: All Amounts

$30,000

Health questions are requiredifthe elected amount exceeds the Guarantee Issue.

Bi-weekly Premiums Displayed Election Cost Per Age Bracket

<30

30-39

40-49

50-59

60-69

70+

Employee $10,000

$1.80

$3.05

$5.72

$10.80

$18.00

$30.51

$3.60

$6.09

$11.45

$21.60

$36.00

$61.02

$20,000

$5.40

$9.14

$17.17

$32.40

$54.00

$91.52

$30,000

Benefit Amount Up To 100% of Employee Amount to a Maximum of $30,000 Spouse $10,000 $1.80 $3.05

$5.72

$10.80

$18.00

$30.51

$3.60

$6.09

$11.45

$21.60

$36.00

$61.02

$20,000

$5.40

$9.14

$17.17

$32.40

$54.00

$91.52

$30,000

Watch our video How accident insurance can get you back on your feet.

Accident insurance Accidents happen. With accident insurance, you can help them hurt a bit less. Accident insurance is an extra layer of protection that gives you a cashpayment to help cover out-of-pocket expenses when you suffer an unexpected, qualifying accident. Who is it for? Nobody can predict when an accident might happen. That’s why accident insurance is an important add-on policy for people who want to supplement the health and disability insurance coverage they already have individually or through an employer. What does it cover? Accident Insurance pays you lump sum of benefits after you suffer an accident. This could be more than 40 different circumstances, including: emergency treatment, ambulance, burns, dislocations, fractures, hospital confinement, and surgery. Why should I consider it? Health coverage may become more expensive, with higher co-pays, premiums, and deductibles. Accident insurance can be a simple, affordable way to help supplement and cover additional expenses your health and disability insurance maynot cover, including x-rays,ambulance services, deductibles, and even things like rent or groceries.

Added support during recovery

Amanda breaks her leg falling off her bike and needs emergency treatment.

Average non-surgical broken leg treatment expense: $2,500

Average Major Medical deductible: $1,500 Major Medical covers 80% of the surgical cost after the deductible is met, but Amanda’s still responsible for 20%: $200 Total out-of-pocket amount for Amanda (deductible + coinsurance): $1,700 Amanda’s GuardianAccident policy pays herabenefit of$1,700, which covers all of her out-of-pocket expenses.

Plus, accident insurance is portable and payments are made directly toyou.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information on the following pages for specific amounts and details.

You will receive these benefits if you meet the conditions listed in the policy.

Your accident coverage

COVERAGE - DETAILS

Your Bi-weekly premium You and Spouse You and Child(ren)

$6.90 $10.79 $10.97 $14.85 On and Off Job Included

You, Spouse and Child(ren) Accident Coverage Type Portability - Allows you to take your Accident coverage with you if you terminate employment.

ACCIDENTAL DEATH AND DISMEMBERMENT

Employee $50,000 Spouse $25,000 Child $10,000 Quadriplegia, Loss of speech & hearing (both ears), Loss of Cognitive function: 100% of AD&D Hemiplegia & Paraplegia: 50% of AD&D 200% of AD&D benefit

Benefit Amount(s)

Catastrophic Loss

Common Carrier Common Disaster

200% of Spouse AD&D benefit Single: 50% of AD&D benefit Multiple: 100% of AD&D benefit 25% of AD&D benefit Seatbelts: $10,000 & Airbags: $15,000 $2,500 $50

Dismemberment - Hand, Foot, Sight

Dismemberment - Thumb/Index Finger Same Hand, Four Fingers Same Hand, All Toes Same Foot Seatbelts and Airbags

Reasonable Accommodation toHome orVehicle

WELLNESS BENEFIT - Per Year Limit

Children age birth to 26 years

Child(ren) Age Limits

FEATURES

Air Ambulance Ambulance Blood/Plasma/Platelets

$1,500 $300 $500 9 sq inches To 18 sq inches: $0/$2,000 18 sq inches To 35 sq inches: $1,000/$4,000 Over 35 sq inches: $3,000/$20,000 50% of burn benefit 25% increase to child benefits

Burns (2nd Degree/3rd Degree)

Burns - Skin Graft

Child Organized Sport - Benefit is paid if the covered accident occurred while your covered child, age 18 years or younger, is participating in an organized sport that is governed by an organization and requires formal registration to participate. Chiropractic Visits Coma

$50/visit, up to 6 visits

$10,000

Your accident coverage

FEATURES (Cont.)

Concussion Baseline Study

$25

Concussions

$200

Diagnostic Exam (Major)

$300

Dislocations

Schedule up to $10,000

Doctor Follow-Up Visits

$100, up to 6 treatments

Emergency Dental Work

$300/Crown, $75/Extraction

Emergency Room Treatment

$300

EpiduralAnesthesiaPain Management

$100, 2 times per accident

Eye Injury $400 Family Care—Benefit is payable for each child attending a Child Care center while the $20/day, up to 30 days insured is confined to a hospital, ICU or Alternate Care or Rehabilitative facility due to injuries sustainedin a covered accident. Fractures Schedule up to $9,000 Gun Shot Wound $750 Hospital Admission $1,500 Hospital Confinement $300/day - up to 1 year Hospital ICU Admission $3,000 Hospital ICU Confinement $600/day - up to 15 days

$200

Initial Dr. Office/Urgent Care Facility Treatment

Joint Replacement (Hip/Knee/Shoulder)

$2,500/$1,250/$1,250

Knee Cartilage

$500

Laceration

Schedule up to $900

$200/day, up to 30 days for companion hotel stay

Lodging - The hospital stay must be more than 50 miles from the insured's residence. Medical Appliance—Wheelchair, motorized scooter, leg or back brace, cane, crutches, walker, walking boot that extends above the ankle or brace for the neck.

Schedule up to $500

Outpatient Therapies

$75/day, up to 10 days

Post-Traumatic Stress Disorder

$400

1: $500 2 or more: $1,000

Prosthetic Device/Artificial Limb

Rehabilitation Unit Confinement

$200/day, up to 15 days

Ruptured Disc With Surgical Repair

$500

Schedule up to $2,500 Hernia: $500

Surgery (Cranial, Open Abdominal,Thoracic,Hernia)Max

Surgery (Exploratory or Arthroscopic)

$600

1: $500 2 or more: $1,000

Tendon/Ligament/Rotator Cuff

Transportation- Benefitis paid if you have to travel morethan 50 milesoneway to receive special treatment at a hospital or facility due to a covered accident. Traumatic Brain Injury — A nondegenerative, noncongenital Injury to the brain from an external nonbiological force, requiring Hospital Confinement for 48 hours or more and resulting in a permanent neurologicaldeficit with significant loss of muscle function and persistentclinical symptoms.

$0.50 per mile, limited to $500/round trip, up to 3 times per accident

$4,000

X - Ray

$75

IMPORTANT: This is a fixed indemnity policy, NOT health insurance. Looking for comprehensive health insurance? Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889- 4325) to find health coverage options. To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Hospital indemnity insurance

Be prepared John is hospitalized after a heart attack, and has to cover the cost of five days as an inpatient.

Hospital indemnity insurance can cover some of the cost associated with a hospital stay, letting you focus on recovery. Being hospitalized for illness or injury can happen to anyone, at any time. While medical insurance may cover hospital bills, it may not cover all the costs associated with a hospital stay. That’s where hospital indemnity coverage can help. Who is it for? Hospital indemnity insurance is for people whoneed helpcovering the costs associated with a hospital stay if they suddenly become sick orinjured. What does it cover? If you are admitted to a hospital for a covered sickness or injury, you’ll receive payments that can be used to cover all sorts of costs, including: • Deductibles and co-pays.

Average heart attack hospitalization expense: $53,000

Average Major Medical deductible: $1,500 Major Medical covers 80% of the cost after the deductible is met, but John’s still responsible for 20%: $10,300. Total out-of-pocket amount for John (deductible + coinsurance): $11,800. John’s Guardian Hospital Indemnity policy pays him $1,000 for hospital admission. The policy gives him a total payment of $1,000 to help cover the out-of- pocket amount.

• Travel to and from the hospital for treatment. • Childcare service assistance while recovering.

Why should I consider it? Health coverage is becoming more expensive, with higher co-pays, premiums, and deductibles. Hospital indemnity insurance canhelp pay for out-of-pocket costs associated with being hospitalized, giving you more of a financial safety net for unplanned expenses brought on by a hospital stay. Plus, hospital indemnity insurance is portable and payments are made directly to you – even if you didn’t incur any out-of-pocket expenses. You will receive these benefits if you meet the conditions listed in the policy.

This example is for illustrative purposes only. Your plan’s coverage may vary. See your plan’s information onthe following pages forspecific amounts and details.

Watch our video How hospital indemnity insurance can give you a comfortable stay.

Your hospital indemnity coverage

Option1

Coverage Details

Your Bi-weekly premium

$7.37

You and Spouse

$16.21

You and Child(ren)

$9.91

You, Spouse and Child(ren)

$19.82

Benefits

$1,000/$2,000 per admission, limited to 2 admission(s) per insured.

Hospital/ICU Admission

$100/$200per day, limited to30 day(s) per insured per benefit year. $200 per day, limited to 1 day(s) per insured per benefit year.

Hospital/ICU Confinement

Hospital Short Stay

Newborn Nursery Care

$100 per day, limited to2 day(s) per benefityear.

Newborn Increased Admission/Confinement Benefit

25% increase to a newborn benefit.

Child Organized Sport

25% increase to child benefits.

$50 per day, limited to 1 day(s) per insured per benefit year.

Health Screenings

Treatments Covered

Sickness and Injury

Pre-Existing Conditions Limitation - A pre-existing condition includes any condition for which you, in the specified time period prior to coverage in this plan, consulted with a physician, received treatment, or took prescribed drugs. The pre-existing condition limitations apply to late entrants only. Portability - AllowsyoutotakeyourHospitalIndemnitycoveragewith youifyou terminate employment.

3 monthsprior/6 monthstreatment free/12 months after

Included

Child(ren) Age Limits

Childrenage birth to26 years

UNDERSTANDING YOUR BENEFITS – HOSPITAL INDEMNITY The Hospital/ICU Admission requires a hospital stay of at least 20 hours to be payable. Hospital Admission & Hospital ICU Admission benefits are not payable on the same day. Premium will bewaived if you arehospitalized for more than 30 days. Hospital/ICU confinement benefits are not payable on the same dayas Hospital/ICU admission benefit. After initial enrollment, Hospital Indemnity coverage will continue as long as an insured is actively at work.

TheHealth screening benefit is paid for the completion of specified routine wellness screenings such as annual well visits, immunizations, mammography, chest x-ray, and many more. Hospital Short Stay - Must be held in a hospital for observation or treatment for a period of 8 - 19 hours. Hospital Short Stay is not payable on the same day as the Hospital/ICU Admission or Hospital /ICU Confinement.

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