BenefitsConnections Your Company. Your Benefits. Your Choice.

2019 Enrollment Guide Your company. Your benefits. Your choice.

Genesis Energy is committed to providing employees with a total benefit program that is both comprehensive and competitive. Our employee benefit plans are designed to provide you and your family members with:

• Quality health care coverage; • Income protection benefits that offer a financial safety net if illness or injury prevents you from working; and, • Retirement savings programs to help you invest in your future financial security.

In your BenefitsConnections Enrollment Guide, you will find information about our employee benefit offerings. Detailed information on Genesis’ benefit plans is available at hr.genesisenergy.com. Here you can access the Summary Plan Descriptions (SPDs) and Summaries of Benefits and Coverage (SBCs), which provide important plan rules and provisions.

This website will be your primary source of information on the benefit plans included in Genesis Energy’s program.

If you have any questions, be sure to contact the BenefitsConnections team. This internal team of benefit ex­perts is just an email or phone call away.

PRINTED PLAN DOCUMENTS AND LEGAL NOTICES The Summary Plan Descriptions (SPD) and Summaries of Benefits and Coverage (SBC) are available athr.genesisenergy.com under Plan Documents and Le­gal Notices. We have posted the SPDs and SBCs online to help ensure you have easy access to your benefits­ information. If you prefer to receive a printed copy of the SPDs, SBCs or any legal notices, we will pro­vide one to you at no charge. Contact the BenefitsCon­nections team at (800) 284-3365 or [email protected]­ to request a printed copy.

2 | hr.genesisenergy.com Table of Contents

4 Enrollment Information 10 Health Savings Account • Open Enrollment Dates • Account Overview • My Employee Connection Access • Contributions • What You Need To Do 11 Dental and Vision Plans 5 Eligibility 12 Flexible Spending Accounts 6 Qualified Change in Status 13 Income Protection 6 Enrollment Periods • Basic Employee Life and AD&D • Optional Employee Life and Dependent Life 7 Medical Plans • Optional AD&D • Short-Term Disability • Long-Term Disability 8 Medical and Prescription Drug • Long-Term Care (LTC) Insurance Plan Comparison Chart 14 Retirement Plan 9-10 Get the Most from Your Medical Plan 15 Employee Assistance Program • TeleHealth Virtual Care: MDLIVE • Blue Cross Blue Shield Global Core 15 LegalShield • Blue Care Advisors Condition Management • Special Beginnings Maternity Program • BCBS Online Resource 16 References and Resources

Genesis Energy’s 2019 BenefitsConnections Enrollment Guide is a summary of benefit plans available to Genesis employees. This guide reflects benefit levels and benefit premiums as of January 1, 2019.

The policies, plans and programs outlined in the BenefitsConnections Enrollment Guide may be amended, terminat­ed or changed at any time at the sole discretion of the Company. Whenever this occurs, the affected provisions of the policy, plan or program previously in effect are specifically superseded. Should there be any discrepancy between this guide and official plan documents and contracts, the provisions of the official plan documents and contracts will prevail.

Receipt of this information does not constitute eligibility for participation in Genesis sponsored benefit plans and pro­grams. Receipt of this information does not constitute an employment contract or offer of employment.

Employees whose benefit plan participation is governed by a collective bargaining unit must refer to the collective bar­gaining agreement to identify the benefit plans in which the collective bargaining unit participates. The benefits in this guide do not apply to collective bargaining units.

hr.genesisenergy.com | 3 Enrollment Information

Get connected with your benefits.

Enroll in your benefits online through My Employee Connection. You must enroll online if:

• You intend to elect, drop or change your coverage in the medical, dental and/or vision plan(s) for 2019. OPEN ENROLLMENT DATES: • You intend to move into the Choice Saver HSA plan and elect to participate in a Health Savings Account. Monday

• You elect to participate in a Health Care FSA and/or Dependent Care FSA for 2019. October 22, 2018 –

• You elect to participate in the LegalShield pre-paid legal plan. Friday November 9, 2018 Access the My Employee Connection tool by logging in to Oracle/EBS no later than 5:00 PM central, Friday, November 9th. For regulatory reasons, enrollment requests after November 9th will not be allowed. If you do not wish to My Employee Connection Access change your medical,

• At work: access Oracle/EBS through the Genesis portal at dental and/or vision plan, http:portal/Pages/home.aspx by clicking the EBS link. and if you elect not to

• At home: access Oracle/EBS at genesisenergy.com by clicking the participate in an FSA for Employee Connection button. 2019, you do not need to

• If you do not know your Oracle/EBS user name and/or password, take any action. please contact the Genesis IT Department at (713) 860-2512.

What You Need To Do

1 Continue reading this guide to learn more about your benefits. 2 Explore the HR website (hr.genesisenergy.com) to learn more about your benefit choices. 3 Review the benefits in which you are currently enrolled.

Enroll through My Employee Connection if you need to make any changes or to 4 enroll in the Choice Saver HSA and Health Savings Account or an FSA for 2019.

Ensure you complete the dependent verification process for any dependents 5 you need to add during Open Enrollment.

4 | hr.genesisenergy.com Eligibility

Benefit Eligibility Waiting Period If you are a full-time U.S. employee Medical/Prescription Drug Effective on date of hire if you enroll within 31 days regularly scheduled to work at least 30 hours per week, the chart at left Dental Effective on date of hire if you enroll within 31 days lists the benefits you may be eligible

Vision Effective on date of hire if you enroll within 31 days to participate in upon meeting any and all requirements. Health Savings Account (HSA) Effective on date of hire if you enroll within 31 days

Flexible Spending Accounts (FSAs) Effective on date of hire if you enroll within 31 days

Basic Employee Life and AD&D Immediate

Optional Employee and/or Effective on date of hire if you enroll within 31 days Dependent Life and AD&D Dependent Verification

Short-Term Disability (STD) Immediate Process Please remember: Long-Term Disability (LTD) Immediate If you fail to complete the depen- dent verification process, coverage Basic Long-Term Care Insurance Immediate for the dependent will not be Optional Long-Term Care Insurance Effective on date of hire if you enroll within 31 days added. You will need to wait until the next open Business Travel Accident (BTA) Immediate enrollment period to add the dependent. Employee Assistance Program (EAP) Immediate

LegalShield Effective on date of hire if you enroll within 31 days

You also have the option to enroll your eligible dependents Dependent Verification Process who include the following: Any time you add a new child or spouse to medical, dental, vision • Your legal spouse, as determined under applicable state law, or life and AD&D, you will be asked to provide docu­mentation residing in the U.S.; confirming the new dependent meets the plan’s eligibility rules. • Your child(ren) including natural or adopted children, As a reminder, new dependents may only be added during your stepchildren and other children who are your dependents and new hire enrollment, during open enrollment, or within 31 days for whom you are required to provide health care coverage of a qualified change in status. under a Qualified Medical Child Support Order; Detailed information on the process, a list of acceptable verification – Up to age 26 regardless of marital or student status documents and where to send the information can be found on the for medical, dental, vision and FSAs; Human Resource website (hr.genesisenergy.com). – Up to age 26 if unmarried for optional life and AD&D; and, Documentation is due 31 days from the date of the qualifying life • Your unmarried children of any age who are incapable of event (where day one is the day of the event). For open enrollment, supporting themselves due to a mental or physical disability documentation must be provided prior to enrolling through and who are totally dependent on you. My Employee Connection.

Please refer to the summary plan description (SPD) for the full In order to en­sure your dependents are added timely during open definitions for eligible dependents under the plan. You can also enrollment, the verification process should be completed prior contact the Human Resources Department for additional to Oc­tober 22, 2018. Please review and complete the dependent information. verification process in a timely manner.

hr.genesisenergy.com | 5 Qualified Change in Status

Changing Your Coverage During the Year

During the year, you may change your benefit enrollment only if you have a qualified change Choose your benefit in status. Any benefit changes you make at that time must be consistent with your status coverage carefully, change and must be made within 31 days of the qualifying life event (where day one is the day because in most of the event). You do not need to provide a social security number/card to enroll a newborn, so please do not wait to add dependents, including newborns. cases your initial benefit choices will Qualified changes in status include: remain in place • Marriage or divorce; until Jan­uary 1, 2020, • Death of your spouse or dependent; unless you experience • Birth or adoption of a child; • Your spouse terminating or obtaining new employment a qualified change (which affects eligibility for coverage); in status. • You or your spouse switching employment status from full-time to part-time or vice versa (which affects eligibility for coverage); • Significant cost or coverage changes; • Your dependent no longer qualifies as an eligible dependent; • You experience a reduction in hours worked (less than 30 hours of service per week); or, • You enroll in an Exchange Plan.

Important: It is always your responsibility to notify Human Resources of any change regarding a dependent’s eligibility status. Employees who violate the welfare plans’ guidelines may be subject to disciplinary action that is appropriate to the nature of the violation. This disciplinary action may require you to repay incurred claims for ineligible dependents and may include termination of employment. It is unacceptable for an employee to knowingly cover a dependent who is not eligible.

Enrollment Periods

New Employees Current Employees As a new, full-time U.S. Genesis employee, you become As a full-time U.S. benefits-eligible Genesis employee, you eligible for benefits on your date of hire and must enroll have the once-a-year opportunity to enroll in or make changes within 31 days of your date of hire to begin coverage. to your med­ical, dental, vision, HSA, FSA and LegalShield

benefits during our open enrollment period, unless you Our benefits plan year runs from January 1 through experience a qualified change in status. All other voluntary December 31. benefits can be changed at any time during the year.

Note: Benefits open enrollment is usually held in the fall, with your elections becoming effective January 1st of the following year.

6 | hr.genesisenergy.com Medical Plans

Genesis Energy’s health program, administered by Blue Cross and Blue Shield of Texas (BCBSTX), offers two plan choices: the Choice Plus PPO and the Choice Saver HSA.

The primary difference between the two op­tions is how you pay for your health care expenses. The Choice Plus PPO and the Choice Saver HSA have different monthly premiums, deductibles and out-of-pocket maximum limits. Both plans offer embedded prescription­ drug coverage.

Your choices for medical plan coverage are the following:

Choice Plus PPO Choice Saver HSA Choice Plus PPO offers traditional medical and pre- Choice Saver HSA offers a high deductible health plan scription drug coverage. Per-pay period pre­miums are and prescription drug coverage that can be paired with higher, but the deductibles and coinsurance are lower, or a health savings account. Per-pay period premiums are meaning more of your bill is cov­ered by the plan lower, but the higher deducti­bles and coinsurance mean up-front when you need health care. you will pay more money up-front when you need health care.

Prescription

The prescription drug program is provided through the health plan you choose. Both health plans utilize the same network of pharmacies. When you have a prescription filled at a network pharmacy, simply show your medical/Rx identification card and pay the appropriate copay or coinsurance for the covered drug. The pre­scription drug program also covers certain preventive drugs at 100%.

You can save money on your prescriptions by using network pharmacies and buying generic instead of brand name drugs. You can also purchase maintenance medications (up to a 90-day supply) through the Blue Cross and Blue Shield of Texas PrimeMailTM Pharmacy mail order service. Maintenance medications (up to a 90-day supply) can also be purchased at your regular pharmacy.

Networks

Both the Choice Plus PPO and the Choice Saver HSA health plans utilize the Blue Cross Blue Shield provider networks. To help reduce your medical costs, check to make sure your provider and facility are in-network by reviewing BCBS’ online provider directories at www.bcbstx.com.

Network providers offer significant discounts on their services in return for being included in the plan’s net­work. Non-network providers will typically charge undiscounted and often inflated fees for service. As a self-insured­ medical plan, premiums are directly tied to claims paid through the plan. Higher non-network usage can be a factor in the increase in medical plan premiums each year.

Non-network usage leads to increased costs for both employees and the Company. Staying within the net­work allows you to pay a smaller portion on a lower provider charge. Using non-network providers and facili­ties could lead you to paying a higher percentage on a higher provider charge.

Preventive Care

Preventive care services are those generally linked to routine wellness exams and screenings. Non-preventive­ services are those considered treatment or diagnosis for an illness, injury or other medical condition.­

Preventive care is covered at 100% in-network but there may be limits on how often you can receive preventive care. You should ask your health care provider whether your visit is considered preventive or non-preventive­ care.

hr.genesisenergy.com | 7 Medical and Prescription Drug Plan Comparison Chart

Below is a brief comparison of your medical plan choices. Refer to the Summary Plan Description (SPD) for additional details about coverage and exclusions. A Summary of Benefits and Coverage (SBC) for each plan is available online athr.genesisenergy.com or from Human Resources upon request.

Monthly Premiums Choice Plus PPO Choice Saver HSA Employee Only $143 / month $95 / month Employee + Spouse $291 / month $194 / month Employee + Child(ren) $230 / month $153 / month Employee + Family $395 / month $263 / month Company HSA Contribution Individual N/A $500 / year Family N/A $1,000 / year Benefits In-Network Out-of-Network In-Network Out-of-Network Calendar Year Deductible Individual $350 $700 $2,000 $4,000 Family $700 $1,400 $4,000 $8,000

Calendar Year Out-of-pocket Maximum Individual $2,300 $4,600 $4,000 $8,000 Family $4,600 $9,200 $7,000 $14,000

Lifetime Maximum Unlimited Unlimited

Coinsurance 10% 30% 20% 50%

Physician Services Office Visit $20 copay 30% after deductible 20% after deductible 50% after deductible Surgery 10% after deductible 30% after deductible 20% after deductible 50% after deductible Preventive Care (1) No charge 30% after deductible No charge 50% after deductible Immunizations (up to 6 years) No charge No charge No charge No charge 30% after Inpatient Services (per admission) 10% after deductible 20% after deductible 50% after deductible $500 deductible (2) Outpatient Services Physician Office Visit $20 copay 30% after deductible 20% after deductible 50% after deductible Preventive Lab, X-ray, and Testing No charge 30% after deductible 20% after deductible 50% after deductible Diagnostic Procedures 10% after deductible 30% after deductible 20% after deductible 50% after deductible

Urgent Care Physician Services $40 copay 30% after deductible 20% after deductible 50% after deductible Emergency Care Physician Services 10% after deductible 10% after deductible 20% after deductible 20% after deductible Facility Services $50 copay, then 10% $50 copay, then 10% 20% after deductible 20% after deductible

Mental Health & Substance Abuse Outpatient – Physician Office Visit $20 copay 30% after deductible 20% after deductible 50% after deductible Outpatient – Facility Services 10% after deductible 30% after deductible 20% after deductible 50% after deductible Inpatient – Physician Services 10% after deductible 30% after deductible 20% after deductible 50% after deductible Inpatient – Facility Services 10%; no copay or deductible 30% after $500 deductible (2) 20% after deductible 50% after deductible

Prescription Drugs (3) Retail (30-day supply) Generic $10 copay 20% after $10 copay 20% after deductible 50% after deductible Preferred Brand Name $20 copay 20% after $20 copay 20% after deductible 50% after deductible Non-preferred Brand Name $35 copay 20% after $35 copay 20% after deductible 50% after deductible Specialty 30% after deductible 50% after deductible (up to $125 maximum) Home Delivery (90-day supply) Generic $20 copay 20% after deductible Preferred Brand Name $40 copay 20% after deductible Non-preferred Brand Name $70 copay 20% after deductible

1 Includes routine annual physicals, well woman and baby care, immunizations (6 years and older), and routine lab, X-ray, vision and hearing exams. 2 If you fail to pre-authorize any inpatient hospitalization (including all usual hospital services and supplies, semi-private rooms, intensive care and coronary care units), you will be required to pay a $250 penalty. Call the customer service number on the back of your ID card for pre-authorization. 3 If there is a generic equivalent for your brand name prescription drug and you elect the brand name prescription drug, you will be charged both the applicable prescription copay plus the difference between the generic cost and the brand name cost. Note: Pre-authorization is required for non-emergency hospital admissions and other outpatient services. 8 Call the customer service number on the back of your ID card for pre-authorization services. Get the Most from Your Medical Plan

The following programs are included with enrollment in either BCBSTX medical plan.

Telehealth Virtual Care: MDLIVE MDLIVE provides access to a national network of U.S. Board Certified physicians through a mobile application,­ online or by phone. Get access to quality health care without ever leaving your home, your job or wherever you are. Speak to a doctor 24 hours a day, 7 days ▼ a week, 365 days a year for non-­emergency conditions. You can use MDLIVE for any of the following medical services: MDLIVE • Instead of going to the ER or an urgent care center for a non-emergency issue Register at www.MDLIVE.com or • During or after normal business hours, nights, weekends and even holidays by downloading the app. To regis- • To request prescription refills (when appropriate) ter, you will need to provide your You also have access to MDLIVE Therapy for diagnosing and treating mental health issues. first and last name, date of birth Whether you are looking for long-term therapy or simply need a one-time check-in on your and BCBSTX member ID num­ber. health and wellness, MDLIVE’s behavioral health therapy services are safe, confidential, and convenient.

Blue Cross Blue Shield Global Core Blue Cross Blue Shield Like your passport, always carry your BCBSTX ID card with you when you travel abroad. Global Core Through the Blue Cross Blue Shield Global Core program, you have access to doctors, hospitals and other health services in nearly 200 countries and territories in the world. International claim forms are To take advantage of the Blue Cross Blue Shield Global Core program: available from BCBSTX, the Service Center, or bcbsglobalcore.com­ . • Before you leave home, contact BCBSTX for coverage details. Your coverage levels outside the U.S. may be different • Always carry your BCBSTX ID card • The Blue Cross Blue Shield Global Core Service Center is available 24 hours a day, seven days a week toll free at (800) 810-BLUE (2583), or by calling (804) 673-1177 Blue Care Advisors Condition Management Blue Care Advisors Condition Management Call Condition Management at If you have a chronic condition, managing your health now can pay off later on. Take the (866) 412-8795­ if you or any of your first step to a healthier tomorrow and join the condition management program. Condition covered family members have: Management is available to you and your covered dependent family members through your • Asthma BCBSTX benefits at no additional cost. It’s easy to join; just call (866) 412-8795­ and select • Chronic obstructive pulmo­nary “Blue Care Connection” to enroll. A Blue Care advisor is a licensed clinician with special disease (COPD) training to help you manage your health conditions. Your advisor will schedule regular • Congestive heart failure phone calls with you to help you set and reach healthy goals. • Coronary artery disease (CAD) • Depression Special Beginnings Maternity Program • Diabetes The Special Beginnings maternity program supports you from early pregnancy until six • Low back pain weeks after delivery. An experienced Blue Cross and Blue Shield of Texas staff member will help you through this special period in your life, including: • Ask you questions to determine the support you will need • Send you information, including a book about having a healthy pregnancy and baby Special Beginnings • Answer any questions you have and help you plan your care with your doctor Maternity Program • Assist you with managing high-risk conditions such as gestational diabetes and Call (888) 421-7781 to enroll or preeclampsia ask questions about the program. Visit the Special Beginnings website to view a video library and week-by-week pregnancy information. To access the site, log into Blue Access for Members at www.bcbstx.com and click on the My Health tab. It’s free, easy and confidential.

hr.genesisenergy.com | 9 Get the Most from Your Medical Plan (continued)

Your BCBSTX Online Resource: Blue Access for Members BCBSTX Online Would you like to know when your medical claims are paid and the payment amounts? Do you need to confirm your member information or request new medical identification cards? It’s easy to get started with Blue Ac­cess for Members, the secure member portal from Blue Cross and Blue Shield of Texas, BCBSTX Online! can help. Get immediate, secure online access to health and wellness information. Go to www.bcbstx.com It’s easy, immediate, secure and available at www.bcbstx.com. Click the Log In tab. • Check the status of a claim as well as claims history Then click the Register Now • View and print Explanation of Benefits (EOB) statements for a claim button in the Blue Access • Locate a doctor or hospital in the network for Members section. • Request a new or replacement member ID card or print a temporary member ID card Use the information on your Provider Finder is an innovative tool for helping you choose a provider, plus estimate BCBSTX ID card to complete and manage health care costs. the registration proces.s • Find a network primary care physician, specialist or hospital • Filter your search by doctor, specialty, zip code, language and gender—even get directions • Estimate the cost of procedures, treatments and tests and your out-of-pocket expenses • Review providers’ certifications and recognitions Blue Access Mobile Learn more about Blue Access Blue Access Mobile is also available for members on the go! App features include: ac­cess to your claims, coverage and deductible information, facility and physician finder, Mobile­ at bcbstx.com/mobile and ID card access. or text GOTX to 33633. Health Savings Account

If you choose to enroll in the Choice Saver HSA, remember it is coupled with a Health Savings Account (HSA). The HSA, adminis­tered by Fidelity, is a triple tax-advantaged account you can use to pay for qualified health related expenses, including deductibles and coinsurance for medical, prescription drug, dental and vision expenses. You are eligible to enroll in an HSA and open an account at Fidelity only if you enroll in the Choice Saver HSA health plan option.

The Company will make a contribution to your HSA for the 2019 plan year which will be deposited into your HSA account at the beginning­ of the plan year. For new entrants to the plan throughout the year, the Company contribution may be pro-rated based on your start date and in compliance with IRS rules. If opening an HSA account for the first time, you will need to make your election during the enrollment period and then open an account with Fidelity at www.401k.com. Any unused funds in the HSA are yours to keep. They will not be forfeited at the end of the year, and you can keep them even after your employment with Genesis Energy ends.

Health Savings Account Contributions

Genesis Energy’s Contributions Total 2019 Contribution allowed by IRS You may also make tax-free If you are age 55 or older, you contributions to your HSA, up (Employee + Company) can contribute an additional • Individual $500 to the IRS limit, which includes $1,000 to your HSA annually • Family $1,000 Genesis’ contribution. • Individual $3,500 in catch-up contributions. • Family $7,000

Is a Health Savings Account Right for Me?

• My annual health care expenses are typically low to moderate. • I like the idea of accumulating savings in my own account. • I would prefer to spend less on per-pay period premiums than pay higher per-pay period premiums for an “everything is covered” policy that I may not use. • I have the financial resources to cover my up-front, out-of-pocket medical expenditures.

• I am currently enrolled in Medicare. • My annual health care expenses are typically higher with regular monthly medical expenses. • I prefer to spend more in per-pay period premiums and have the security of up-front coverage by the plan. • I am uncomfortable with the up-front, out-of-pocket medical expenses for up to the deductible and out-of-pocket maximum.

10 | hr.genesisenergy.com Dental Plan

Dental coverage is important to your overall Dental Plan Coverage Overview health and wellness. Genesis Energy offers you a dental plan through Blue Cross and Monthly Premiums Blue Shield of Texas that covers four main types of expenses: Employee Only $12.00 / month Employee + Spouse $24.00 / month • Diagnostic and preventive services like Employee + Child(ren) $30.00 / month routine exams and cleanings, fluoride Employee + Family $44.00 / month treatments, sealants and X-rays • Minor restorative services such as simple Benefit Coverage* fillings and extractions, root canals, oral Calendar Year Maximum surgery and gum disease treatment $2,000 (excludes orthodontics) • Major restorative services such as crowns and dentures Calendar Year Deductible $50 • Orthodontia (per individual; up to 2 persons per family)

The traditional dental plan is a fee-for-service Diagnostic & Preventive Services Plan pays 100% in­demnity plan. You and your eligible de- (deductible does not apply) pendents can receive care from any licensed Minor Restorative Services 20% after deductible dentist in the country and still be covered. The plan will pay up to the Reasonable and Major Restorative Services 30% after deductible Customary rates. You are responsible for the Orthodontia difference between the Allowa­ble Amount Plan pays 100% (dependent children to age 19) and what the provider charges. Orthodontia Lifetime Maximum $2,500 For more information visit www.bcbstx.com or call (800) 521-2227, weekdays between * Up to Reasonable and Customary rates. You are responsible for paying the difference between 8:00 AM and 6:00 PM central. the Allowable Amount and what the provider charges.

Vision Plan

The vision plan is offered through Vision Vision Plan Coverage Overview Service Plan (VSP). VSP is a network of providers who offer discounted fees and Monthly Premiums wholesale prices for routine eye exams, lenses and frames. Should you use a Employee Only $9.44 / month Employee + Spouse $13.50 / month non-network provider, the plan partially Employee + Child(ren) $15.68 / month reimburses your costs. Employee + Family $25.07 / month For more information about other cov­ered services, such as the diabetic eye care Benefit In-Network Out-of-Network program, please review the Summary Plan WellVision Exam (every plan year) $20 copay Up to $50 Description posted on the HR website.

For a list of vision providers and more Frames (every plan year) $200 allowance Up to $70 information, please go to www.vsp.com Lenses (every plan year) or call . (800) 877-7195 • Single Vision $20 copay Up to $50 • Bifocal $20 copay Up to $75 • Trifocal $20 copay Up to $100

Contact Lenses $200 allowance Up to $105

hr.genesisenergy.com | 11 Flexible Spending Accounts

Health Care Flexible Spending Account

Contributing to a Health Care Flexible Spending Account (FSA) is an easy way to lower your taxable income while paying for your health care. Your contributions are made on a pre-tax basis, and when claims are paid, you are reimbursed with the tax-free money you have set Health Care aside. Qualified health care expenses for you and your eligible dependents include expenses that are not paid under any other health care plan. The account is administered by PayFlex. Flexible Spending Accounts are Plan Features Health Care FSA considered “use it or

Minimum Contribution $100 lose it” accounts, so be sure to plan carefully Maximum Contribution $2,650 when electing your annual Eligible health care expenses for you and your eligible Covered Eligible Expenses contribution amount. dependents that are not paid under any other health plan

Per federal tax law, if you enroll in both the Choice Saver Restrictions HSA medical plan option and the Health Care FSA, the FSA is “limited purpose”, only allowing qualified vision and dental expense­ reimbursements

• Incur eligible expenses by 3/15/2020, or termination date, Reimbursement Information whichever is earlier • File for reimbursement by 4/30/2020 • Any unclaimed funds will be forfeited after 4/30/2020

Dependent Care Flexible Spending Account

Contributing to a Dependent Care FSA is an easy way to lower your taxable income while paying for the care of a quali­fied dependent while you (and your spouse, if you are married) work. Contributions to your Dependent Care FSA cannot be used to Dependent Care reimburse any health care expenses. Flexible Spending Plan Features Dependent Care FSA Accounts are considered “use it or Minimum Contribution $100 lose it” accounts, so be Maximum Contribution $5,000* sure to plan carefully

Covered Eligible Expenses you incur to pay when electing your annual for the care of a qualified dependent: contribution amount. • A dependent can be any child under age 13 or any dependent (including parents) age 13 or older who is incapable of Covered Eligible Expenses self-care and spends at least eight hours a day in your home • Care can be in or outside your home • If care is provided in a day care center, it must be licensed if more than six people are cared for in the center • Caregiver cannot be claimed as a dependent

Restrictions You and your spouse, if you are married, are required to work

• Incur eligible expenses by 3/15/2020, or termination date, Reimbursement Information whichever is earlier • File for reimbursement by 4/30/2020 • Any unclaimed funds will be forfeited after 4/30/2020

* If you are married and file income taxes separately from your spouse, your maximum contribution is $2,500

12 | hr.genesisenergy.com Income Protection

Genesis Energy provides eligible employees with a variety of insurance plans to provide replacement income to you or your beneficiaries in the event of disability, accident, or death. We recognize that your benefit needs are unique, and Genesis Ener­gy pays the full cost of some benefits, while offering the opportunity to participate in optional benefit plans that can also help meet your specific needs.

Basic Employee Life and AD&D Long-Term Disability At no cost to you, Genesis Energy provides you with basic life If you are a full-time employee, Genesis Energy pays for you to insurance and accidental death and dismemberment (AD&D) have basic long-term disability (LTD) insurance coverage. LTD coverage. Salaried, hourly and day-rate full-time employees benefits provide a monthly benefit in the event you cannot work are provided with 3x base salary in coverage for each life and after 26 consecutive weeks of disability due to an accident or AD&D plan. Drivers are provided with $150,000 in coverage illness. LTD benefits will continue until you are no longer disabled,­ for each life and AD&D plan. reach the maximum benefit, or reach your Social Security Normal Retirement Age, whichever occurs first. Please refer to the SPD for Optional Employee Life and Dependent Life job-based minimum and maximum LTD amounts or call Prudential at (800) 842-1718. You can purchase optional life insurance coverage in addition to basic life and AD&D insurance to provide you Long-Term Care (LTC) Insurance and your family additional financial security. You can LTC insurance provides benefits when you need extended help elect insurance for yourself and your dependents. with activities of daily living and coverage where medical cover­ Employee Coverage age, Medicare, and Medicaid fall short. At no cost to you, Genesis • Salaried, hourly, and day-rate full-time employees: Energy provides full-time employees with basic LTC insurance. You 1x, 2x, 3x, 4x, or 5x base pay, up to a $1,000,000 may purchase optional LTC in­surance for yourself and other family maximum members (including your spouse, parent, grandparent, child or • Drivers: In increments of $50,000, up to a $500,000 sibling). Note: Evidence of insurability (EOI) is required for certain maximum amounts, if you enroll after your initial eligibility period or enroll Dependent Coverage your dependents. For more information or to enroll, contact Unum at (800) 227-4165­ or contact the Human Resources Department. • Dependent Spouse: Increments of $10,000, up to the lesser of your optional life coverage or $500,000 Optional Life and AD&D Premiums • Dependent Children: Increments of $5,000, up to a $25,000 maximum Benefit Monthly Premiums Evidence of insurability (EOI) is required for certain amounts, if you enroll after your initial eligibility period or Optional Employee Life and Spouse* Life enroll your spouse. <25 $0.072 25-29 $0.072 Optional AD&D 30-34 $0.090 You also can elect optional AD&D insurance for: 35-39 $0.090 40-44 $0.162 • Yourself: In increments of $15,000, up to a $750,000 maximum 45-49 $0.270 ▼ (per $1,000) • Your spouse: 60% of employee optional coverage amount 50-54 $0.432 • Your child(ren): 15% of employee optional coverage amount 55-59 $0.693 60-64 $1.053 on each child 65-69 $1.890 • Your spouse and child(ren): 50% of employee optional coverage 70-74 $3.384 amount on your spouse, and 10% of employee optional coverage 75+ $4.572 amount on each child Optional Dependent Child Life Age reductions may apply to life insurance amounts. Increments of $5,000 $0.120 (per $1,000) up to $25,000 Short-Term Disability Optional AD&D In addition, you can purchase short-term disability (STD) insurance Employee only $0.047 (per $1,000) coverage if you become disabled due to non-occupational illness or Family $0.072 (per $1,000) injury. The STD benefit pays a percentage of your base pay for up to 25 weeks of income protection for eligible full-time employees. Optional AD&D $0.82 per $1,000) Please refer to the SPD for details. * Spouse life premiums are based on the age of the employee. hr.genesisenergy.com | 13 Retirement Plan

Keeping track of your account online The Genesis Energy Profit Sharing and Retirement Sav­ings plan can help you actively save for your retirement. You can keep track of your investments or print your own state­ment at any time by logging into your account.

Plan Highlights After the end of each quarter, you can access your online account statement showing the activity for the previous quarter including Key features of the plan are: contributions, investment earnings and transactions. Alternatively, you may elect to receive quarterly paper statements in the mail. • Dollar-for-dollar match for the first 6% of your per-pay period contributions (subject to annual IRS limits) • Immediate vesting of company matching contributions Investments • Allows Roth contributions of 1% to 75% of your eligible earnings • Allows additional “catch-up” contributions for employ­ees After you elect how much to contribute to the plan, you also age 50 and older (subject to annual IRS limits) must decide how you wish to invest both your contributions • Rollovers accepted from any qualified plan and certain IRAs and matching contributions. The savings plan offers two main • A diverse variety of investment options from which to choose investment areas: for investing in your account Core Investments: • Loans available from your plan account, subject to plan rules A range of investment funds selected to meet the varying invest- Eligible employees can begin saving for retirement after 30 days ment needs of savings plan partici­pants, including target retirement of employment. Participation is voluntary and you can enroll at date funds called JP Mor­gan SmartRetirement® Class R6. The any time. Your deductions will begin as soon as administratively performance and suitability of this group of funds is evaluated possible after you enroll. periodically by the savings plan’s fiduciary, and it may change the core investment options offered from time to time.

How to enroll BrokerageLink: This option offers access to thousands of investments, including After 30 days of employment, you will receive an enrollment packet mutual funds, individual securities and other investments. This in the mail from Fidelity with valuable information about planning service is only appropriate for you if you are a sophisticated and for your retirement. active investor who is willing to diligently monitor and manage your investments. The savings plan’s fiduciary does not monitor There are two ways to enroll: the perfor­mance of these investments.

Register through Naming a beneficiary NetBenefits® by Call Fidelity at going online to It is very important to name a beneficiary (or beneficiaries) to (800) 835-5097 www.401k.com. receive any Savings Plan benefits that may be payable from your to speak with a If you do not have an or account upon your death. You can name your beneficiary online customer­ service account with Fidelity, through NetBenefits®. If you are married, you must have notarized, representative. you will need to written spousal consent to name someone other than your spouse register online before as your primary benefi­ciary. access­ing your account online.

For more information about the Genesis Energy Profit Sharing and Auto-enrollment Retirement Savings plan, please see the Summary Plan Description The plan has an auto-enrollment feature for newly hired located on the HR website at employees. All newly hired employees who do not make an hr.genesisenergy.com. election through NetBenefits® will be automatically enrolled in the 401(k) after 90 days of employment at 3% of your per- pay period compensation. If you do not wish to participate, you must make a 0% election through NetBen­efits®.

14 | hr.genesisenergy.com Employee Assistance Program

LifeWorks is a full-service employee assistance program (EAP) and work-life/wellness resource provided by Genesis Energy. LifeWorks provides confidential consultations, counseling, community referrals, multimedia resources and online access to hundreds of free articles, self-assessments, blogs, audio recordings, toolkits, calculators and more.

LifeWorks is available to you as an employee, your spouse and You may contact LifeWorks at any time to request a referral to to your eligible dependents. You, your spouse and your eligible a specialized consultant such as a legal or financial pro­fessional, dependents can contact LifeWorks directly and privately, as registered dietician for nutritional counseling, or to a Naturopathic often as you like. Doctor for naturopathic services.

Research requests: Requests may include inquiries related to Services support groups, elder care resources, childcare, house­cleaning/ lawn care services, community information, consumer resources, Professional consultants are available 24/7 by toll-free number. workout facilities, moving/relocation, wedding resources, and other Whether you need support for a parenting challenge, or sug- unique requests. These types of requests generally take three to five gestions about how to handle a personal or work related issue, business days to process de­pending on the nature of the request. consultants can provide guidance and point you towards helpful resources.

Master’s level counselors are available by phone 24/7. LifeWorks The EAP is available 24 hours may also refer you for counseling by phone, by video (live via web- a day, 7 days a week by calling cam over the Internet), or in person in your local area. (888) 456-1324, or visiting genesis.lifeworks.com (username: genesis; password: eap) or download the app. Legal Shield

Using Your LegalShield Genesis offers a voluntary pre-paid legal service plan through LegalShield. Plan is as Easy as 1-2-3!

You can elect LegalShield coverage, $15.25 per month, at the time of hire or through the Use the LegalShield annual open enrollment process. Once enrolled in the program, changes are only allowed app to call your law during open enrollment. 1 firm directly.­ A legal services plan can help with all sorts of planned and unplanned legal issues. By enrolling in LegalShied, you can rest assured that whether you’re facing legal issues that are big, small Tell them about your or somewhere in between, you’ll have access to legal advice for covered services when you question or issue. need them. 2 LegalShield has developed a network of carefully selected law firms. Each law firm is licensed A lawyer will call to in the state or province it services and is dedicated to LegalShield mem­bers. Members only con­sult with you in 8 have to make one call to be connected with a lawyer, ensuring you know exactly who to call business hours or less! when a legal need arises. 3

This plan covers you and your eligible dependents. Below is a brief overview of the covered services. Detailed plan information can be located at benefits.legalshield.com/genesis.

• Home: Residential Loan Document Assistance, Refinance, Foreclosure • Unlimited: Consultations on any personal or family questions • Financial: Collections, Warranties, Guarantees, Contract review, IRS audit • Family Matters: Uncontested Adoption, Divorce, Separation, Name Change Representation • Estate Issues: Wills, Living Wills, Health Care Power of Attorney • Auto: Moving Violations, Accidents, 24/7 Emergency hotline

hr.genesisenergy.com | 15 References and Resources

Benefit Who to Contact Phone Number Website/Email

Medical/Prescription Drug Blue Cross and Blue Shield of Tex­as (800) 521-2227 www.bcbstx.com Group No: 086304

Health Savings Account Fidelity (800) 835-5097 www.401k.com

Dental Blue Cross and Blue Shield of Tex­as (800) 521-2227 www.bcbstx.com Group No: 245690

Vision Vision Service Plan (VSP) (800) 877-7195 www.vsp.com Group No: 30043154

Flexible Spending Accounts Aetna PayFlex (800) 284-4885 www.payflex.com Group No: 116234

Life and AD&D Insurance Prudential (800) 524-0542 www.prudential.com Group No: 45697

Long-Term and Short-Term Disa­bility Prudential (877) 367-7781 www.prudential.com Group No: 45697

Profit Sharing and Retirement Savings Plan Fidelity (800) 835-5097 www.401k.com

Long-Term Care Insurance Unum (800) 227-4165 www.unum.com Group No: 453594

Legal Services LegalShield benefits.legalshield.com/genesis Group No: 203795

genesis.lifeworks.com Employee Assistance Program LifeWorks (888) 456-1324 username: genesis Password: eap

hr.genesisenergy.com General Benefits Information Human Resource Department (800) 284-3365 [email protected]

Required Benefit Notices

By law, Genesis Energy is required to provide you with official notices regarding your rights under certain employee ben­efit plans. All of the following notices are available on hr.genesisenergy.com for your review.

• Women’s Health and Cancer Rights Act • Newborns’ and Mothers’ Health Protection Act • Special Enrollment Rights • Notice of Michelle’s Law • Health Insurance Portability and Accountability Act • Medicare Part D Notice of Credible Coverage • Notice of Continuation of Coverage Rights Under COBRA • Notice Regarding Medicaid and the Children’s Health Insurance Program

Updated 110418 16 | hr.genesisenergy.com