GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN

SUMMARY OF MATERIAL MODIFICATIONS

The deadline for submitting claims for reimbursement to the Gene Upshaw NFL Player Health Reimbursement Account Plan (“HRA Plan”) has changed. Please take note of this change and submit claims for reimbursement on a timely basis. Untimely claims will be denied under the terms of the HRA Plan.

For all expenses incurred on or after September 1, 2020, the deadline to submit a claim for reimbursement is now twelve (12) months after the date the expense is incurred.

For all expenses incurred before September 1, 2020, the prior deadline remains unchanged. For such expenses, you may submit a claim for reimbursement within twenty-four (24) months after receiving the bill.

This summary is not a substitute for the official Plan document, which provides all the details, rules, and exceptions. In the event of a conflict between this summary and an official Plan document, the official Plan document will be followed. To obtain a copy of the official Plan document or Summary Plan Description, go to nflplayerbenefits.com or call the NFL Player Benefits Office at 800.638.3186.

Summary of Material Modifications

The following changes to your benefits reflect amendments to the 2020 Collective Bargaining Agreement between the NFL Players Association and the NFL Management Council, dated August 3, 2020, which were adopted because of the COVID pandemic (“COVID side-letters”):

Elimination of Certain Benefits

1. For seasons 2020 through 2023, you will not receive Club contributions of any kind into your accounts in the following Plans:

• NFL Player Second Career Savings Plan (“401(k) Savings Plan”) • NFL Player Capital Accumulation Plan

You may still defer eligible compensation into the 401(k) Savings Plan, up to the limits set by law ($19,500 for 2020). You may defer eligible compensation paid to you as early as October 15, and you will be automatically enrolled as of this date if you do not have a deferral election on file.

2. For seasons 2020 through 2023, you will not receive any Qualified Additions or Nonqualified Allocations from any Club into your accounts in the following Plans:

• NFL Player Tax-Qualified Annuity Plan • NFL Player Annuity Program

3. For seasons 2021 through 2023, you will not receive any Health Credits into your Health Account in the Gene Upshaw NFL Player Health Reimbursement Account Plan. You may earn $35,000 in Health Credits for the 2020 Credited Season if you earn a Credited Season for 2020 and otherwise meet the eligibility requirements.

Changes to Earning a Credited Season under the / NFL Player Retirement Plan (“Pension Plan”)

For the 2020 season only, you will have additional ways to earn a Credited Season under the Pension Plan. You will earn a Credited Season if –

1. You opt out of all or part of the 2020 season and qualify as a “Higher Risk Player” or “Changed Circumstances Higher Risk Player,” as those terms are defined in the COVID side-letters.

2. For the first game of the regular season, you:

• are on a Club’s Active, Inactive, Reserve/Injured, Reserve/COVID-19, or Reserve/Physically Unable to Perform list;

• are on a Club’s Practice Squad; provided, however, that you must be on a Club’s Active/Inactive list for at least one Game in the 2020 season; • are on the Commissioner Exempt list; • have a Reserve/COVID-19 exemption; or • are on a suspended list for either the League’s Drug or Steroid Policy; provided, however, that you must be on a Club’s Active/Inactive list for at least one Game in the 2020 season.

A Credited Season earned under the Pension Plan counts as a Year of Service in the Pension Plan and also counts as a Year of Service for vesting purposes under certain other collectively bargained plans, including the NFL Player Capital Accumulation Plan and NFL Player Tax-Qualified Annuity Plan.

If you do not meet these criteria, you may still earn a Credited Season according to the regular rules of the Pension Plan. For example, you can earn a Credited Season by being an Active Player on the date of three or more Games for your Club. You may only earn one Credited Season during a season.

You may not earn a Credited Season for the 2020 season if you voluntarily “opt out” during the 2020 season in accordance with the COVID side-letters, and you have not earned a Credited Season as of the date of your voluntary opt-out.

This summary is not a substitute for the official Plan documents, which provide all the details, rules, and exceptions. In the event of a conflict between this summary and an official Plan document, the official Plan document will be followed. To obtain a copy of the official Plan document, Summary Plan Description, COVID side-letters, Notice of Automatic Enrollment, or Notice of Default Investment, go to nflplayerbenefits.com or call the NFL Player Benefits Office at 800.638.3186.

2 HRA PLAN Summary Plan Description

Gene Upshaw NFL Player Health Reimbursement Account Plan

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GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN 17

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QUESTIONS? Forms & Resources Call the NFL Player Benefits Office Other Information

Administration and Type of Plan Plan applies in different situations. Any matter The HRA Plan is a multiemployer welfare on which the HRA Board is deadlocked may benefit plan that provides medical expense be referred to an arbitrator. You can address reimbursement. The HRA Plan is administered correspondence to individual HRA Board by the HRA Board, which is a joint Board members, c/o the HRA Plan, at the address listed of Trustees. The HRA Board has six voting below. The day-to-day administration of the members, three of whom are selected by the HRA Plan, on behalf of the HRA Board, occurs at NFLPA and three of whom are selected by the address of the Plan Administrator below: the NFLMC. The Commissioner of the NFL is a Plan Administrator and Trustee nonvoting member and the chairman. HRA Board The following individuals are currently on the Gene Upshaw NFL Player Health HRA Board: Reimbursement Account Plan GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN ACCOUNT REIMBURSEMENT HEALTH PLAYER NFL UPSHAW GENE Chairman 200 Saint Paul St., Ste. 2420 Roger Goodell Baltimore, MD 21202

Management Members Agent for Service of Legal Process Katie Blackburn The agent for service of legal process is the HRA John Spanos Board, the joint Board of Trustees for the HRA Steve Underwood Plan. Service of legal process also may be made on each individual member of the HRA Board. Player Members Custodian Bank Robert Smith The assets of the HRA Plan are held in an Sam McCullum account by:

The HRA Board has absolute discretion and Mellon Bank, NA authority to interpret the HRA Plan, review 500 Grant Street, Room 151-1315 claims for benefits, and decide how the HRA Pittsburgh, PA 15258

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Union Plan at any time, and may terminate the HRA Plan if no Collective Bargaining Agreement is in National Football League Players effect for more than one year. No assets of the Association (NFLPA) Gene Upshaw NFL Player Health Reimbursement 1133 20th St NW Account Plan Trust may be used for any purpose Washington, DC 20036 other than to pay benefits or to pay the costs of Representative of the Employers administering the HRA Plan. NFL Management Council (NFLMC) HRA Plan Assets 345 Park Ave The HRA Plan’s assets are held in trust with the New York, NY 10154 HRA Board serving as the Trustee. Contributions Employer Identification Number are made to the trust by the NFL Clubs pursuant (EIN) Assigned to the HRA Board to actuarial assumptions and methods described in the Collective Bargaining Agreement and the #11-3805568 HRA Plan. The Trust is intended to constitute a Plan Number voluntary employees’ beneficiary association, or “VEBA,” within the meaning of IRC Section 501 501(c)(9). Assets will be used to pay benefits to Plan Year Participants or to pay the costs of administering the HRA Plan. Records for the HRA Plan are maintained on a Plan Year basis that begins on April 1 and Assignment of Benefits ends on the following March 31. A Plan Year In general, you cannot transfer, assign or pledge is identified by the calendar year in which it your benefits under the HRA Plan except begins. pursuant to a Qualified Medical Child Support Plan Amendment or Termination Order (“QMCSO”). You may contact the NFL Player Benefits Office for a copy of the QMCSO The HRA Plan is maintained under the Collective procedures. Bargaining Agreement between the NFLPA and the NFLMC. While there is a Collective Change of Address Bargaining Agreement in effect, the NFLPA and Be sure to keep the NFL Player Benefits Office the NFL Management Council, when acting informed of your current address. You can jointly, may amend or terminate the HRA Plan. update your address on nflplayerbenefits.com. If there is no Collective Bargaining Agreement in effect, the HRA Board may amend the HRA

QUESTIONS? Call the NFL Player Benefits Office800.638.3186 19 OTHER INFORMATION

How to Apply for Benefits review of a claim denial will be sent to your You can submit reimbursement requests online. representative, and your representative will be Access the HRA myCigna.com site through allowed to review and obtain copies of your HRA nflplayerbenefits.com. Plan records and other relevant information.

You can also call or write the NFL Player Benefits Missing Payees Office to request a reimbursement form: If a benefit is payable to a Participant who cannot be found by the NFL Player Benefits HRA Plan Office, the entire benefit of, and amount payable 200 St Paul St, Suite 2420 to, that Participant will be forfeited at the end Baltimore, MD 21202 of that Plan Year. If the Participant subsequently 800.638.3186 provides accurate contact information to the Receipt of Documents NFL Player Benefits Office, the amount forfeited will be reinstated, and all amounts then due will All correspondence, including forms, elections, be paid to such Participant. and other documents that must be submitted or filed with the HRA Plan, are deemed received Incapacity only if and when actually received by the HRA If you are incapacitated so as to be unable to Plan, and not when mailed or otherwise sent. manage your financial affairs, the HRA Board Designating a Representative may, in its sole discretion, direct that your GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN ACCOUNT REIMBURSEMENT HEALTH PLAYER NFL UPSHAW GENE benefits be paid to your legal representative, For all types of claims and administrative relative or other individual for your benefit review of claim denials, you can designate or otherwise direct that benefit payments be a representative to act on your behalf by made on your behalf. In addition, the HRA submitting a written authorization to the NFL Board may, in its sole discretion, establish a Player Benefits Office. You may not designate a trust to hold your benefits on your behalf and representative who is a convicted felon. If you appoint a trustee for that trust. The HRA Plan designate a representative to act on your behalf, will pay reasonable expenses of the trust and unless you limit the scope of the representation its trustee. A determination of incapacity and in writing (or the representation is otherwise an establishment of a trust by any of the NFL terminated), the decisions and other notices Player Plans will extend to this HRA Plan. More regarding your claim and/or administrative

NFL Player Plans A-Z For purposes of this HRA Plan, NFL Player Plans includes the following: Bert Bell/Pete Rozelle NFL Player GLOSSARY Retirement Plan (Pension Plan), NFL Player Disability & Neurocognitive Benefit Plan (Disability Plan), NFL Player Second Career Savings Plan (401(k) Savings Plan), NFL Player Capital Accumulation Plan, NFL Player Annuity Program, NFL Player Tax-Qualified Annuity Plan, and 88 Plan.

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information regarding such trusts is available of the date on which you receive the bill for a from the NFL Player Benefits Office. covered medical care expense. The Benefits Administrator or the HRA Board will notify you Failure to Exhaust Administrative when additional information is required. The Remedies time periods described below for decisions of If your claim for an eligibility determination the Benefits Administrator and the HRA Board or for benefits is denied in whole or in part may be extended with your consent. (including deemed denials) and you fail to request, in a timely manner, review by the HRA In making initial reimbursement determinations, Board of the denial under the HRA Plan’s review the Benefits Administrator has absolute procedures described below, you will have failed discretion and authority to interpret the HRA to exhaust your administrative remedies. If you Plan and to make factual determinations. The fail to exhaust your administrative remedies and Benefits Administrator ordinarily will reach a later file a legal action in court on your denied decision on a claim for reimbursement within 30 benefit claim, the court may dismiss your claim. days after it is received, although in some cases the decision may be delayed for one additional Benefit Claim and Review Procedures 15-day extension period. You will be notified This section describes the HRA Plan’s procedures in writing if the decision time is extended for (1) initial claims for reimbursement and (2) beyond the initial 30-day period or beyond the administrative review (also called administrative 15-day extension period for matters beyond appeals) of denials, or partial denials, of claims the control of the HRA Plan. If the extension is for reimbursement. necessary because the Benefits Administrator needs additional information from you to If you are a Participant, you or your personal decide your claim, you will be given at least 45 representative must file an application for days to provide the specified information, and reimbursement in accordance with the any time periods during which the Benefits reasonable claims filing procedures established Administrator is waiting for you to provide by the HRA Board and take such actions as the the additional information do not count for Benefits Administrator or the HRA Board may purposes of computing the 15-day extension require. period.

You or your personal representative must file If your claim for reimbursement is denied, in claims for reimbursement within 24 months whole or in part, you will receive a written notice

Benefits Administrator A-Z The Benefits Administrator, currently Cigna, is the entity appointed by the HRA Board to make the initial GLOSSARY determination regarding whether an expense incurred by a Participant is a covered medical care expense that will be reimbursed.

QUESTIONS? Call the NFL Player Benefits Office800.638.3186 21 OTHER INFORMATION

of decision, which will set forth: the HRA Plan’s appeal procedures, you must request administrative review (also called (1) the specific reason(s) for the denial, administrative appeal) in writing to the HRA (2) the specific HRA Plan provisions on which Board at the NFL Player Benefits Office within the denial is based, 180 days of receiving the notice of decision on (3) a description of additional information your claim. You can also request administrative necessary to perfect your claim and review of a deemed denial of your claim. an explanation of why such additional During the administrative review process, information is necessary, upon request and free of charge, you can (4) an explanation of the HRA Plan’s appeal have reasonable access to (and copies of) all procedures for seeking review of denied or documents, records, and other information partially denied claims, including your right relevant to your claim for reimbursement, and to bring a civil action under ERISA if your you also can submit issues and comments in claim is denied on review under the HRA writing to the HRA Board. In making its decision Plan’s appeal procedures, on review, the HRA Board will take into account all available information, regardless of whether (5) any internal HRA Plan rule, guideline, it was available or presented to the Benefits protocol, or other similar criterion relied Administrator, and will afford no deference upon in making the determination (or state to the determination made by the Benefits

GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN ACCOUNT REIMBURSEMENT HEALTH PLAYER NFL UPSHAW GENE that such information is available free of Administrator. charge upon request), and

(6) if the denial was based on a scientific or If a claim involves a medical judgment question, clinical exclusion or limit, an explanation the health care professional who is consulted of the scientific or clinical judgment for the on review will not be an individual who was determination, applying the terms of the consulted during the initial determination of HRA Plan to your circumstances (or state that his subordinate, if applicable. Upon request, such explanation is available free of charge the HRA Board will identify the medical experts upon request). whose advice was obtained on behalf of the HRA Plan in connection with the denial, without If the Benefits Administrator fails to notify you of regard to whether the advice was relied upon in its decision regarding your claim within the time making the benefit decision. periods described above, you can elect to treat that failure to respond as a deemed denial of The HRA Board ordinarily will make a decision your initial claim, which you may appeal to the on your request for review at its next meeting, HRA Board. or at its second meeting following receipt of your request for review if your request is If you receive a notice of decision that is adverse received less than 30 days before the next to you in whole or in part on your claim for meeting. However, if special circumstances exist, reimbursement that you want reviewed under such as the need to obtain further clarifying

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information, the review may be delayed but will • six years after the date of any omission, be made by no later than the third HRA Board violation, or breach of any responsibility, meeting following receipt of your request for duty, or obligation imposed by the Plan or review. The HRA Board will notify you in writing applicable laws, or of its decision on review. If the decision on • three years after the earliest date that you review is adverse to you in whole or in part, the knew or should have known of any such written notice will include: omission, violation, or breach, except that, (1) the specific reason(s) for the decision, depending on the facts, certain exceptions may apply. (2) references to the provisions of the HRA Plan on which the adverse decision was based, If you do file a legal action after these limitation (3) a statement of your right, upon request periods have expired, the court may dismiss and free of charge, to have access to, and your claim. copies of all documents, records, and other Required Legal Notices information relevant to your claim, The following notices are required by law to be (4) a statement of your right to bring a civil included in this Summary Plan Description. action under ERISA following an adverse decision on review, Mothers and Newborn Benefits Group health plans and health insurance (5) any internal rule, guidelines, or protocol issuers generally may not, under federal law, relied on in making the decision (or state restrict benefits for any hospital length of stay that such information will be provided free in connection with childbirth for the mother or of charge upon request), and newborn child to less than 48 hours following a (6) if the decision was based on a scientific or vaginal delivery, or less than 96 hours following clinical exclusion or limit, an explanation of the a cesarean section. However, federal law scientific or clinical judgment for the decision, generally does not prohibit the mother’s or applying the terms of the HRA Plan to your newborn’s attending provider, after consulting circumstances (or state that such explanation is with the mother, from discharging the mother or available free of charge upon request). her newborn earlier than 48 hours (or 96 hours as applicable). In any case, plans and issuers may Limitation on Actions not, under federal law, require that a provider You may not commence a legal action in a obtain authorization from the Plan or the court on a benefit claim denial or partial denial insurance issuer for prescribing a length of stay more than 42 months from the date of the final not in excess of 48 hours (or 96 hours). decision on your claim. With respect to all other types of claims, you may not commence a legal action in a court after the earlier of:

QUESTIONS? Call the NFL Player Benefits Office800.638.3186 23 OTHER INFORMATION

Women’s Health and Cancer Rights Act of COBRA Qualifying Events 1998 Notice A Dependent is eligible for COBRA if coverage Under the Women’s Health and Cancer Rights ends because: Act of 1998, group health plans covering a • You and your Spouse divorce or legally mastectomy must also provide coverage for separate, or your marriage is annulled or breast reconstruction performed in connection with the mastectomy. Coverage must be • Your Dependent children no longer meet provided for: reconstruction of the breast; eligibility requirements. surgery and reconstruction of the breast for If your Dependent has a qualifying event symmetrical appearance; and prostheses of divorce, legal separation, annulment, or and physical complications in all stages of Dependent ineligibility, you, your Spouse, or mastectomy. Dependent must contact the NFL Player Benefits Group Health Plan Continuation Coverage Office within 60 calendar days of the event and The IRS currently takes the position that the state that you are calling to request COBRA continuation provisions of the Consolidated continuation coverage due to a qualifying event. Omnibus Budget Reconciliation Act of 1985 You must provide the following information: (COBRA), apply to the HRA Plan, but that position could change. So long as COBRA • Your name applies, your Dependent(s) may be able to • Name of covered Participant GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN ACCOUNT REIMBURSEMENT HEALTH PLAYER NFL UPSHAW GENE continue HRA Plan coverage if your Dependent’s • Address of covered Participant coverage under the HRA Plan ends. This coverage is called “COBRA coverage.” An event • Name of the Dependent, if any that makes your Dependent(s) eligible for • Qualifying event COBRA coverage is called a “qualifying event.” A Dependent must have had HRA Plan coverage • Date of qualifying event on the day prior to the qualifying event date FEDERAL LAW PLACES RESPONSIBILITY UPON to be eligible for COBRA coverage and can YOUR SPOUSE OR DEPENDENT(S) TO NOTIFY only continue the same HRA Plan options THE NFL PLAYER BENEFITS OFFICE WITHIN the Dependent had on the day prior to the 60 CALENDAR DAYS OF A DIVORCE, LEGAL qualifying event date. A Dependent does not SEPARATION, ANNULMENT, OR DEPENDENT have to show that he or she is insurable to elect INELIGIBILITY. IF YOUR DEPENDENT(S) DO NOT COBRA. If a Dependent has other insurance NOTIFY THE NFL PLAYER BENEFITS OFFICE, YOUR coverage, including Medicare, prior to electing DEPENDENT(S) WILL NOT BE ELIGIBLE FOR COBRA COBRA, he or she remains eligible to enroll in COVERAGE. IF TIMELY NOTICE IS NOT PROVIDED, COBRA. COBRA CONTINUATION RIGHTS WILL EXPIRE.

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COBRA is provided subject to your eligibility letter sent to your Dependent(s) following notice for coverage under the law and the HRA Plan. of a qualifying event will include the actual cost The HRA Board reserves the right to terminate for COBRA coverage. continuation coverage retroactively if your • Initial COBRA Premium: Your Dependent(s) Dependent is later determined to be ineligible. have 45 days from the date of their COBRA Once notice is received from your Dependent(s), election to pay premiums for: the HRA Plan will send a letter to your »» Coverage provided between the date of Dependent(s) within 14 calendar days to your the qualifying event and the end of the last known address. This letter will offer your month in which the election is made; and Dependent(s) the opportunity to elect HRA »» Any premiums that become due during Plan coverage. You must notify the NFL Player the 45-day period. Benefits Office within 60 calendar days from the date on the letter if your Dependent(s) • Continuing Premiums: Monthly premiums want to continue coverage under COBRA. will be due on the first day of each month Your Dependent(s) can contact the NFL Player following the initial premium due date. You Benefits Office at the address provided below. will be allowed a 30-day grace period. If the 30th day falls on a weekend or holiday, you Failure to elect COBRA continuation coverage will have until the next business day to have during the 60-day period will waive any right to your payment postmarked. elect COBRA coverage. Note: You may be asked to provide documentation of the qualifying Claims incurred during the 30-day grace period event to receive COBRA coverage. Notify the NFL will not be paid until premiums through the Player Benefits Office of any change of address if date of service have been received. If these you elect COBRA coverage. premiums are not paid, your Dependent(s) will be responsible for claims incurred. COBRA Your Spouse and Dependent(s) each have coverage ends on the last day for which full separate election rights. COBRA coverage is COBRA premiums are paid on time. If COBRA available for all of your family members who coverage ends due to non-payment of lost coverage because of the qualifying event. A premiums, it will not start again. parent may elect COBRA coverage on behalf of a Dependent child. A child born to or placed for How Long COBRA Coverage Lasts adoption with you while you are on COBRA also The duration of COBRA coverage depends has COBRA rights. If you do not want to continue on the reason for the COBRA coverage. In the coverage, no further action is required. case of losses of coverage due to a divorce or legal separation or a Dependent child ceasing Paying for COBRA Coverage to be a Dependent under the terms of the Your Dependent(s) will be responsible for HRA Plan, coverage may be continued for up a premium plus 2% of the premium for an to a total of 36 months. administrative charge for COBRA coverage. The

QUESTIONS? Call the NFL Player Benefits Office800.638.3186 25 OTHER INFORMATION

When COBRA Coverage Ends available at the Public Disclosure Room of the Usually, COBRA coverage ends after the Employee Benefits Security Administration), 36-month COBRA coverage period. COBRA and a copy of the updated Summary Plan coverage may be terminated before the end of Description. You can get copies of these HRA this period if: Plan documents if you ask in writing. The NFL Player Benefits Office may charge you a • The HRA Board no longer maintains the HRA Plan; reasonable fee for copies of these documents, • The COBRA premium payment is not made except for the Summary Plan Description. by the due date; • Receive a summary of the HRA Plan’s annual • A Participant or other family member submits financial report. The HRA Board is required a fraudulent claim or fraudulent information. by law to give you a copy of this Summary Annual Report every Plan Year. For more information, you may contact the NFL Player Benefits Office at: • Obtain by written request a statement telling you when you have a right to receive benefits, Gene Upshaw NFL Player Health and the total amount of your Health Account Reimbursement Account Plan under the Plan. The HRA Board must provide 200 Saint Paul St., Ste. 2420 this statement free of charge, but only once Baltimore, MD 21202 per year. 800.638.3186 GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN ACCOUNT REIMBURSEMENT HEALTH PLAYER NFL UPSHAW GENE • Obtain by written request to the NFL Player Your ERISA Rights Benefits Office a complete list of employers You are entitled to certain rights and protections and employee organizations sponsoring under the Employee Retirement Income the HRA Plan. The list also is available for Security Act of 1974, as amended (“ERISA”). examination at the NFL Player Benefits Office. ERISA Provides that All HRA Plan Participants Are In addition, you may obtain by written request Entitled to: to the NFL Player Benefits Office information as to whether a particular employer or Receive Information about Your HRA Plan employee organization is an HRA Plan sponsor Benefits and, if so, the sponsor’s address. • Examine without charge at the NFL Player Benefits Office all official HRA Plan Prudent Actions by Plan Fiduciaries documents, including the amendments to In addition to creating rights for plan the 2006 CBA, and any extensions thereto, participants, ERISA imposes duties upon the the 2011 CBA, a copy of the latest annual people who are responsible for the operation report (Form 5500 Series) filed by the HRA of the HRA Plan. The HRA Board members and Board with the U.S. Department of Labor (and certain others with responsibility for managing

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or operating the HRA Plan, called “fiduciaries” assistance from the U.S. Department of Labor. of the HRA Plan, have a duty to do their jobs You may file suit in a federal court. The court will prudently and in your interest and in the interest decide who should pay court costs and legal of all the other HRA Plan Participants. No one – fees. If the court decides in your favor, it may neither your employer, your union, nor any other order the person you have sued to pay these person – may terminate your employment or in court costs and legal fees. If you lose, the court any way discriminate against you to prevent you may order you to pay these court costs and legal from obtaining an HRA Plan benefit or exercising fees if, for example, it finds that your claim is your rights under ERISA. frivolous.

Enforce Your Rights Continue Group Health Coverage If your claim for a benefit is denied in whole or Your Dependent can continue health care in part, you have the right to receive a written coverage if there is a loss of coverage under explanation of the reason for the denial. You the Plan as a result of a qualifying event. Your have the right to have the HRA Board review and Dependents will have to pay to continue reconsider your claim. And, under ERISA, there coverage. You should review this SPD for more are steps you can take to exercise these rights. information about your Dependents’ COBRA rights. For instance, if you ask for copies of the above materials from the NFL Player Benefits Office Assistance with Your Questions and do not receive them within 30 days, you If you have any questions about your HRA Plan, can file suit in a federal court. In such a case, the you should contact the HRA Board by writing court may require the HRA Board to provide or calling the NFL Player Benefits Office. If you the material. In addition, the court may impose have any questions about this statement or a fine of up to $110 a day on the HRA Board, about your rights under ERISA, or if you need payable to you, unless you did not get the assistance in obtaining documents from the materials because of some reason beyond the HRA Board, you should contact the nearest control of the HRA Board. office of the Employee Benefits Security Administration, U.S. Department of Labor, If you have a claim for benefits that is denied listed in your telephone directory, or the or ignored in whole or in part, you may file suit Division of Technical Assistance and Inquiries, in a state or federal court. In addition, if you Employee Benefits Security Administration, disagree with the HRA Plan’s decision or lack U.S. Department of Labor, 200 Constitution thereof concerning the qualified status of a Avenue, NW, Washington, DC 20210. You domestic relations order, you may file a suit in also can obtain certain publications about federal court. If the HRA Plan fiduciaries misuse your rights and responsibilities by calling the the HRA Plan’s money, or you are discriminated publications hotline of the Employee Benefits against for asserting your rights, you may seek Security Administration.

QUESTIONS? Call the NFL Player Benefits Office800.638.3186 27 OTHER INFORMATION

No PBGC Insurance Benefits under the HRA Plan are not insured by the Pension Benefit Guaranty Corporation (“PBGC”). PBGC insurance protection is not available to welfare benefit plans such as this HRA Plan.

Disclaimer This summary is intended to describe in general terms the essential features of your HRA Plan. Every effort has been made to make sure that the information contained in this summary is correct; however, in the case of any discrepancy, the provisions of the actual HRA Plan and Trust will govern. Your rights to benefits can be determined only by official action of the HRA Board. GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN ACCOUNT REIMBURSEMENT HEALTH PLAYER NFL UPSHAW GENE

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total and permanenttotal disability benefitsActive andtotalor Nonfootball disability permanent the or Plan Disabilitybenefits Plan. Pension under the die during that same Plan Year, or die during same that Year, Plan youline-of-duty for qualifies subsequently that Year a disability sameincur Plan that during disabilitythe or Plan Disability benefits or Plan, Pension under the ActiveFootball you for qualifies subsequently that Year a disability sameincur Plan that during

Plan Year (or for a number when Games of that, added otherwise your to (or credited Plan Games for that Year Plan totals three or more). Year, After reporting leastpre-season one at official to during a session camp or official training practice you Year, Plan After April 1, 1970, you incur an injury during the Plan Year in the course and scope of your and scope course the your of in Year injury an incur Plan the during you 1970, After 1, April injury settlement an to grievance and pursuant or injury an a Club, settlementemployment by waiver salary equivalent the your of a Club paid by are you for or three more Games for that injury, for that a. b. c. QUESTIONS? • Games for an NFL Club. Games for NFL an occurs: following the of any which in Year Season a Plan a Credited earn in also you As a Player, • Credited Seasons are determined under the Bert Bell/Pete Rozelle NFL Player Retirement Plan (Pension (Pension Plan Retirement determined are Seasons underCredited Bert the Player NFL Rozelle Bell/Pete and determinations such are binding on HRA this Plan), Plan. (including Active Player an as employed are you which season in NFL an Season a Credited is Generally, three of or more date the on who otherwisePlayer) the satisfies Player of definition injured Active an The Benefits Administrator, currently Cigna, is the is entity Cigna, the by theHRA appointedcurrently make to Board The BenefitsAdministrator, medical whether regarding expense an care determination a covered is a Participant initial incurred by expense be will reimbursed. that Credited Season Active Player perform to obligated are if you services football playing Active Player an are under you a Generally, Club. contract NFL an with BenefitsAdministrator Glossary Call the NFL Player Benefits Office GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN • • 30 reaches 27. age 22(e)(3))Section 1of the year in which January the child on shall cease as a“Dependent” to regarded be his death; after exceptas that, his (within achild Dependents is who not disabled the meaning of IRC aPlayer’s by the IRC, to immediately prior his death willpermitted continue Dependents to regarded be order.accordance of any requirements child medical with the applicable qualified support extent To the 22(e)(3))Section child regardless of age; will and(c) remain aqualifying the Plan in may provide benefits year in which 26; age the childthe taxable attains (b) (within achild is who disabled the meaning of IRC (a)foregoing: achild (asSection in IRC defined 152(f)(1)) child untilwill of end remainthe a qualifying 152,in Section IRC the (b)(1), regardto without subsections determined (b)(2), and(d)(1)(B).Notwithstanding (as means aSpouse Dependent in the child,Plan) defined relative,defined as or a qualifying or other qualifying Dependent the NFL800.638.3186.Officecontact Player at Benefits the PensionSee you If have Plan rules. special for document any your Credited questions about Seasons, • GLOSSARY You Forces in the Armed of the United States served during aPlan Year (generally below in the table later. is whichever camp, training pre-season days within 90 (or by law) prescribed service any of your period Club’s the opening or longer official an Player. Active Your to return you the NFL are discharge for eligible military occur must from after Forces in in the the NFL Armed employment of the United due to States, service and you as return If, during aPlan Year as an contract Player Active while under with aClub, you are absent from one Credited Season under this during under Credited rule Season yourone special career. the 2001 for aCredited Season earned later. or vested, Season and you otherwise You earn only can You at eight for in squad least a single Games were Plan the practice on Year, you are otherwise Pension Plan. the vested under torule, of Credited earnthe you number Seasons become only you can would need intent of playing NFL and football, you were alive the dates on below. in the table this Under special Forces,the Armed you played either similar or NFL acontract signed with the or football document relating to World War the Korean II, War, conflict) and, in andthe Vietnam entered before the you year April 1,April 1960 1,April 1950 1,April 1941 FOR PLAN YEARS:FOR through through through through through through March 31,March 1947 March 31,March 1955 March 31,March 1976 Learn about your HRA Plan | Access information and resources and information |Access Plan HRA your about Learn January 13,January 2000 May 1, 1996 1994 6, June YOU WERE ALIVE ON: VISIT

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GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN 31 Annuity Plan, 88

bility Plan). er Tax-Qualified sa ay l Di y Program, NFL P ive Benefit Plan ( uit n n 800.638.3186 Plan, NFL Player A Disability & Neurocognit r ye

apital Accumulation GLOSSARY QUESTIONS? Spouse lawful Spouse your is recognized spouse, as under applicable state law. Your April 1 to the following March 31. March following the 1 to April Player the football in play to Club under NFL employed an a contract or were by are if you a Player are You League. Plan, and NFL Pla Participant or a Spouse or Dependent Account, Health his in balance a positive who has a Player is A Participant Account. Health his in balance a positive with who became a Player of death the to due a Participant Year Plan NFL Player Plans Player NFL Bert Player following: the includes NFL Rozelle Bell/Pete Plans Player NFL purposes Plan, For this of Player NFL Plan), Savings (401(k) Second Plan Career Savings Player NFL Plan), (Pension Plan Retirement C Health Credits are credits earned by eligible Players for each of their Credited Seasons. Credited their of for each Credits creditsHealth are earned eligible Players by Medical Expenses Care Dependents or Spouse, his his for medicalMedical Expenses Care expenses are a Player, incurred by direct including medical expenses, premiums, medicalinsurance 213(d), definedcare as in IRC Section extent the To deductibles and copays extent the to medical provided insurance Section in 213(d). determined HRA the as by permitted Board, Medical 2002-45, Expenses IRS Care by Notice include expenses for qualified long-term servicescare as defined in IRC7702(c). Section Any regular or post-season NFL game, not including the . Pro the including not game, NFL or post-season regular Any Health Account established for Participants accounts HRA nominal under are this Plan. Accounts Health Health Credits Game Call the NFL Player Benefits Office GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN Privacy Practices Privacy HIPAA Notice of A: Appendix 32 • • • • • • disclosures for the following purposes: health plans to health release or use information permits thatgenerally is includes, but not limited to, law, andAccountability of 1996, the Health Act Insurance under ("HIPAA"), Portability as amended Plan by law. may HRA disclose or use The your permitted health or information required where Federal Plan. of the HRA behalf on administrative functions associates they perform so can Plan maythe HRA disclose Plan's your health information to the HRA or the Health Board business In addition, billing and claims including auditing, detection. andabuse management purposes, fraud, Plan mayHRA The use your information determinations claimsto makeeligibility benefits. for for and Plan may HRA Plan.related disclose or use The to your health the HRA information to in order pay your your of routine treatment, health information health the purposes or payment, for care operations Upshaw Gene NFLThe Player Account Health Reimbursement Plan") Plan may ("HRA disclose or use to report childto or domestic abuse; report health public activities; for information relevant directly to the person's involvement or requested notification; the disclosurewhether is in the individual's interest, so, and,if best disclose the health only involved in the individual's care, the plan may exercise professional its judgment to determine to anotificationor disclosure the individual iswhere not available of objecting capable to or those individual not does object; involved infer reasonably the planthat can if or the in the individual's not object, care, and does to anotificationor disclosure the individual iswhere available of objecting and capable to those healthwhere restricted information to treatment; is provide needed emergency by law; required where you can get accessyou get can to this information. Please review itcarefully. you notice andhow informationThis and disclosed may about how used medical describes be Learn about your Disability Plan | Access information and resources and information |Access Plan Disability your about Learn

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GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN 33 Under the HIPAA privacy and securityUnder HIPAA the rules, HRA the required is Plan 800.638.3186 HIPAA NOTICE OF PRIVACY PRACTICES PRIVACY OF NOTICE HIPAA

to comply with Workers' Compensation laws; and laws; Compensation Workers' with comply to plan. the of consolidation or merger, transfer, sale, the involving issues for of HIPAA; requests with comply beento pertaining information for health deceased who for have individuals to over 50 years; or safety; health or public's the individual's an to avert a seriousto threat for care of a decedent prior to his death, where the health information is relevant to the person's person's the to relevant is where information health the death, for a decedent of care his prior to decedent the of expressed preference prior any with inconsistent is so doing unless involvement, known plan; the to certain with requirements location, accordance in general a person's or of death condition, for notice for certain law enforcement purposes; enforcement certainfor law or funeral director about obtain information deceaseda medical to individual; examiner, forcoroner, a purposes; donation or tissue eye, for organ, requests with comply to from family or care the payment members in others and involved who were for certain government-approved research activities; research certainfor government-approved for certain military functions, to related government as service such security; or national Secretary the to U.S. the of Department Services and Human Health of when requested; pursuant judicial or to administrative proceedings; for governmental oversight activities; oversight for governmental APPENDIX A – – A APPENDIX QUESTIONS? Call the NFL Player Benefits Office to comply with State laws, if any, that also are applicable and are not contrary to HIPAA (for example, (for applicable contrary not are are HIPAA also and to that if any, laws, State with comply to rights respect with which several information, health your to have You be stricter). may where state laws are described below. health information for marketing purposes, and disclosures that constitute a sale protected of constitute health that purposes, for marketing information and disclosures health time, authorization any an writing at in such revoke may authorization. your You require information action on your taken yet writing not HRA and the in has reliance is in revocation the Plan provided that authorization. Stricter State Privacy Laws - • • written HRA the obtain your will information, health your of Plan and disclosures uses other any For of disclosures and uses notes, psychotherapy of authorization. example, most For disclosures and uses • • • • • • • • • • • • GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN • • 34 notice. Plan will distributeHRA privacy arevised health information that itmaintains. there is If amaterial change to any provisions of this notice, the right to change notice the terms of its andto make the new notice allfor protected provisions effective Plan is to required by HRA abide the termsinformation. the The Plan of this notice. reserves HRA The health individualsfollowingbreach protected a of unsecured affected information, andto notify health to your protected with respect practices provide you duties with anotice andprivacy legal of its Plan is health by information, required HRA law to of yourThe protected to maintain the privacy purposes (e.g.,underwriting for enrollment purposes). Plan health using is information from prohibited HRA that your protected informationThe is for genetic of your requests. the staff notify To exercise any the NFL800.638.3186 of the aboveOffice contact Player please rights, at Benefits and • • • • • • • APPENDIX A – You have to the right receive to entity or your designate health information. another person Plan are to required byHRA abide this restriction. that you (orservice your representative) have health careprovider and in The full. of pocket out paid disclosures Plan to of health information the HRA to such if ahealth disclosure careitem or pertains Plan is to however, not required to restrictions; agree your requested you have the right to restrict You have HRA how on your The information disclosed. the right or may restrictions to used request be readily producible, if not, it will be in a format mutually agreed upon by you and the HRA Plan. by you upon in andthereadily HRA aformatmutually itwill producible, not, if be agreed you designate. to the person copy This directly in transmitted the formatthat will if be be you request, You have copy of your the right health that an information, electronic to may or the copy request direct electronically. notice You have copy the right apaper of this to request notice, even you if have to receive agreed this authorized; disclosures or Plan. routine for treatment, of health the HRA or payment, care operations toinformation except the six years for prior your disclosures for request, to made you; that you have You have the right an accounting to request of disclosures Plan has of your the HRA made health information is Plan. accurate other than the HRA andcomplete, the information if or was created by aparty Plan may HRA in adesignated deny The itbelieves if an amendment for record your your set. request You have the right to an amendment to your request health Plan information that maintains the HRA Plan Plan may HRA in adesignatedHRA charge The areasonable, record such set. cost-based for copies. fee You have andcopy the right your to health inspect information that is maintained by the the information through normal means could endanger you. alternative such location, as other than at alocation your you if home, in state that writing disclosing You have the right to receive health plan information confidentially by alternativemeans or at an HIPAA NOTICE OF PRIVACY PRACTICES Learn about your Disability Plan | Access information and resources and information |Access Plan Disability your about Learn VISIT

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GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN 35 800.638.3186 HIPAA NOTICE OF PRIVACY PRACTICES PRIVACY OF NOTICE HIPAA

APPENDIX A – – A APPENDIX QUESTIONS? Call the NFL Player Benefits Office against for filing such a complaint. a such for filing against Effective Date of Notice:April 30, 2019 contact the NFL Player Benefits Office at 800.638.3186. You may also contact the NFL Player Benefits contact NFL also may the You Benefits at Player contactOffice 800.638.3186. NFL the Privacy of Practices.Notice version to Office the of request mostthePlan's recent HRA the HRAwith the or Plan complaint privacy a file been your believe If you may violated, you rights have Secretarythe HRAwith Plan, complaint U.S. the of Departmenta file Services. and Human Health of To forcannot You be retaliated Benefitsfurther instructions. at Player Office 800.638.3186 NFL the call If you have questions or would like more information about the HRA Plan's privacy about more information HRA the policies, may you like orquestions would Plan's have If you GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN Health Care Reform The HRA Plan and B: Appendix 36 time not haveplan on anddo coverage. other creditable D; you D WILL haveenrollment Part Part you if in not enroll do Medicare in aMedicare to pay a penalty coverage.NOT creditable means This that Plan coverage not entitle does you the HRA to under delay However, Plan that has the HRA determined coverage the prescription drug by offered the Plan is by aprivate insurer that is considered benefit. to at "as Dstandard least be as" Part good the Medicare of "creditable coverage." type you some had enroll because coverage Creditable is coverage provided delayed for is enrollment an exceptionThere you if to did not this penalty no will penalty. be There you if later to enroll. decide toinitial you apenalty may enrollment subject be period, However, Dplan during your Part not to andchoose join you aMedicare if are Medicare for eligible on beneficiaries January availablebecame Medicare Enrollment to 2006. 1, isvoluntary. benefits Dprescription D.Medicare's drug coverage prescription drug Part Part as Medicare Medicare is known D Part Medicare Plan Medicaid. or andMedicare the HRA between interaction the possible Plan is not HRA in to aposition provide The advice about are rules complex. andMedicaid Medicare The What and Medicaid? About Medicare Insurance Marketplace. Health the to credit guidance purchase apremium receiving you precludes tax from health insurance coverage on Plan, youIf are current to eligible the HRA receive under Internal disbursements Revenue Service Marketplace. Visit You may have other health coverage options available to you through the Health Insurance Am Coverage IEligible for Health Care Under Health Reform the Laws? of the Patient requirements reform andAffordableCare Protection Act. health plan," care to certain is and therefore not subject a"retiree-only Plan is deemed HRA No. The Plan Care SubjectHealth Reform to HRA the Is the Laws? www.healthcare.gov for further information. for further Learn about your Disability Plan | Access information and resources and information |Access Plan Disability your about Learn

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NFLPLAYERBENEFITS.COM

TO:

GENE UPSHAW NFL PLAYER HEALTH REIMBURSEMENT ACCOUNT PLAN 37 1.800.MEDICARE 1.800.MEDICARE 800.638.3186 THE HRA PLAN AND HEALTHCARE REFORM HEALTHCARE AND PLAN HRA THE

APPENDIX B – – B APPENDIX QUESTIONS? Call the NFL Player Benefits Office D plan. Most likely, you will get a Medicare drug join will more costs help if you you your with drug than plan D plan. Most likely, a Medicare can join drug when plan first you only relyif you on HRA the drug costs. for your You Plan December to 7. become from eligible for Medicare October year and each 15 call about more information MedicareFor drug prescription coverage (1.800.633.4227). You can keep your current coverage under the HRA Plan even if you are covered under a Medicare Part covered are if you under HRA the even coverage Plan current can your keep You NFL Player Benefits Office 200 St. Paul Street, Suite 2420 Baltimore, Maryland 21202

Questions? 800.638.3186 www.nflplayerbenefits.com