Pageflex Server [Document: 6500806-238910 00001]

Welcome to your employee beneﬁ ts. E llorn ni egarevoc won ot pleh tcetorp y flesruo dna ruoy devol seno ni eht .erutuf

KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA 00

C yti fo tseW doowylloH

S dradnat ecnarusnI ynapmoC KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA 00 A tc woN ot pleH tcetorP W tah srettaM tsoM

T eh efil er’uoy gnidliub rof flesruoy dna ruoy ylimaf si .suoicerp yrevE laicnanfi d ,noisice yreve tsrfi ,pets yreve enotselim — eseht era eht sgniht taht .rettam T knih fo ecnarusni sa a laicnanfi ytefas ten taht nac pleh tcetorp uoy nehw efil d t’nseo og sa .dennalp gnillornE ni egarevoc won si a llams gniht uoy nac od ot h ple ekam erus uoy dna ruoy devol seno peek gnivom .drawrof In siht ,ediug ll’uoy dnfi sliated tuoba ruoy puorg ecnarusni snoitpo morf S dradnat ecnarusnI ynapmoC ehT( )dradnatS dna eht smrof uoy deen ot trats t eh noitacilppa .ssecorp

P noitcetor rof ruoY devoL senO L efi ecnarusni spleh edivorp troppus dna ytilibats ot ruoy ylimaf fi s gnihtemo erew ot neppah ot uoy ro ruoy esuops ro .nerdlihc tI nac pleh y ruo ylimaf yllaicnanfi hguorht a tlucfifid emit dna edivorp troppus otni Y ruo diaP-reyolpmE teh .erutuf Bstfiene A latnedicc htaeD dna tnemrebmemsiD )D&DA( ecnarusni spleh • B cisa efiL dna D&DA ecnarusni p tcetor tsniaga a neddus laicnanfi ssol thguorb no yb na latnedicca d .htae tI nac osla pleh yap rof eht hgih tsoc fo gnivil detaicossa htiw • S troh mreT ytilibasiD ecnarusni KCIFNFLFNGMA KLFCLGNJGELA s gnivivru na tnedicca taht stluser ni a ereves lacisyhp .ssol KMCCGECEOAAA • L gno mreT ytilibasiD ecnarusni 00 P noitcetor rof ruoY kcehcyaP B stfiene uoY naC ylppA Y ruo tsom elbaulav tessa si ruoy ytiliba ot nrae na .emocni ytilibasiD fro :woN i ecnarusn sedivorp laitrap emocni tnemecalper fi uoy t’nac krow • A lanoitidd efiL ecnarusni b esuace fo a gniyfilauq ytilibasid desuac yb na ,ssenlli yrujni ro p .ycnanger ehT tfieneb stnemyap nac pleh htiw sllib taht eunitnoc neve • D stnednepe efiL ecnarusni w neh uoy t’nac ,krow ekil ruoy egagtrom ro tner — sesnepxe lacidem i ecnarusn t’now .revoc S troh mreT ytilibasiD ecnarusni p sya a ylkeew tfieneb ot pleh uoy peek y ruo secnanfi no kcart nehw er’uoy tuo fo krow esuaceb fo a .ytilibasid L gno mreT ytilibasiD ecnarusni syap a ylhtnom tfieneb fi uoy e ecneirepx a ytilibasid taht stsal rof lareves shtnom ro neve .sraey

R ydae ot ?ylppA ll’uoY dniF eht )s(mroF thgiR ereH O ecn ev’uoy deweiver ruoy ,snoitpo eht txen pets si ot ylppa gnisu eht )s(mrof i dedulcn ta eht dne fo siht .ediug t’noD tegrof ot nrut ni ruoy smrof erofeb ruoy e tnemllorn doirep .sdne

SI 750346-AC-D-91961 )02/4(

3 S dradnat ecnarusnI ynapmoC C yti fo tseW doowylloH G puor yciloP 750346# E evitceff etaD yluJ ,1 4002

G puor cisaB efiL dna latnediccA htaeD a dn tnemrebmemsiD ecnarusnI

G puor cisaB efiL ecnarusni morf dradnatS ecnarusnI ynapmoC spleh edivorp laicnanﬁ noitcetorp yb gnisimorp ot yap a b tﬁene ni eht tneve fo na elbigile s’rebmem derevoc .htaed cisaB latnediccA htaeD dna tnemrebmemsiD )D&DA( ecnarusni m ya edivorp na lanoitidda tnuoma ni eht tneve fo a derevoc htaed ro tnemrebmemsid sa a tluser fo na .tnedicca T eh tsoc fo siht ecnarusni si diap yb ytiC fo tseW .doowylloH Eytilibigil

D noitinﬁe fo a rebmeM Y uo era a rebmem fi uoy era na evitca emit-lluf eeyolpme fo ytiC fo tseW H doowyllo rehto( naht a ytiC )reganaM dna ylraluger gnikrow ta tsael 03 sruoh ehca keew OR an evitca licnuoC rebmem fo ytiC fo tseW .doowylloH uoY era n to a rebmem fi uoy era a yraropmet ro lanosaes ,eeyolpme a emit-lluf m rebme fo eht demra ,secrof a desael eeyolpme ro na tnednepedni

KCIFNFLFNGMA KLFCLGNJGELA c.rotcartno KMCCGECEOAAA 00 C ssal noitinﬁeD C ssal 1 - srotceriD dna tnatsissA ytiC sreganaM C ssal 2 - licnuoC srebmeM C ssal 3 - srebmeM fo tseW doowylloH lapicinuM seeyolpmE )EMOHEW( C ssal 4 - srebmeM fo noitaicossA fo licnuoC seitupeD ,)DCA( dna noitaicossA fo laitnedﬁnoC seeyolpmE )ECA( C ssal 5 - srebmeM fo tseW doowylloH tnemeganaM noitaicossA )AMHW(

E ytilibigil gnitiaW doireP Y uo era elbigile no eht etad uoy emoceb a .rebmem

Bstﬁene

B cisa efiL egarevoC tnuomA C ssal 1 - 2 semit ruoy launna ,sgninrae sulp ,000,02$ ot a mumixam fo S dradnat ecnarusnI ynapmoC 1 001 WS htxiS eunevA 000,006$ P dnaltro RO 40279 C ssal 2 - 000,03$ C ssal 3 - 5.1 semit ruoy launna ,sgninrae sulp ,000,02$ ot a mumixam fo 000,021$ C ssal 4 - 5.1 semit ruoy launna ,sgninrae sulp ,000,02$ ot a mumixam fo 000,032$ C ssal 5 - 5.1 semit ruoy launna ,sgninrae sulp ,000,02$ ot a mumixam fo 000,033$

4 G puor cisaB efiL dna latnediccA htaeD dna tnemrebmemsiD ecnarusnI

B cisa D&DA egarevoC tnuomA F ro a derevoc latnedicca ssol fo ,efil ruoy cisaB D&DA egarevoc tnuoma si e lauq ot ruoy cisaB efiL egarevoc .tnuoma roF rehto derevoc ,sessol a p egatnecre fo siht tﬁeneb lliw eb .elbayap

L efi egA snoitcudeR B cisa efiL dna D&DA ecnarusni egarevoc tnuoma secuder ot 56 tnecrep ta a eg ,07 ot 54 tnecrep ta ega ,57 ot 03 tnecrep ta ega ,08 ot 02 tnecrep ta ega 8 ,5 ot 51 tnecrep ta ega ,09 dna ot 01 tnecrep ta ega .59 N :ETO egA snoitcuder od ton ylppa ot srebmeM derih erofeb yluJ ,1 .2002

O reht cisaB efiL serutaeF dna secivreS • A detarelecc tﬁeneB • R thgi ot trevnoC noisivorP • L efi secivreS tiklooT • S dradnat eruceS sseccA tnuocca tnemyap noitpo • P ytilibatro fo ecnarusnI noisivorP • T levar ecnatsissA • R noitairtape tﬁeneB • W revia fo muimerP

O reht cisaB D&DA serutaeF • A ri gaB tfieneB • F ylima stfieneB egakcaP • C amo tfieneB • L eni fo ytuD tfieneB • E dednapx D&DA egakcaP • S tae tleB t fieneB

KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA T sih noitamrofni si ylno a feirb noitpircsed fo eht puorg cisaB D&DA/efiL ecnarusni ycilop derosnops yb ytiC fo tseW .doowylloH ehT gnillortnoc snoisivorp w lli eb ni eht puorg ycilop deussi yb ehT .dradnatS ehT puorg ycilop sniatnoc a deliated noitpircsed fo eht ,snoitatimil snoitcuder ni ,stﬁeneb snoisulcxe 00 a dn nehw ehT dradnatS dna ytiC fo tseW doowylloH yam esaercni eht tsoc fo ,egarevoc dnema ro lecnac eht .ycilop A puorg etacﬁitrec fo ecnarusni taht d sebircse eht smret dna snoitidnoc fo eht puorg ycilop si elbaliava rof esoht ohw emoceb derusni gnidrocca ot sti .smret roF erom etelpmoc sliated fo c ,egarevo tcatnoc ruoy namuh secruoser .evitatneserper

SI 750346-AC-D-97231 )91/11( 6 329832-608005

S dradnat ecnarusnI ynapmoC 5 S dradnat ecnarusnI ynapmoC C yti fo tseW doowylloH G puor yciloP 750346#

G puor lanoitiddA efiL ecnarusnI H ple tcetorp ruoy devol seno morf laicnanﬁ .pihsdrah

T sih egarevoc si dengised ot pleh edivorp laicnanfi troppus dna ytilibats ot ruoy ylimaf dluohs uoy ssap .yawa uoY nac a osl revoc ruoy elbigile esuops dna .)ner(dlihc efiL ecnarusni si na ,ysae elbisnopser yaw ot pleh tcetorp ruoy ylimaf morf fi laicnan pihsdrah gnirud a tlucfifid emit — dna otni eht .erutuf

T sih nalp :sreffo • C evititepmo puorg setar • T eh ecneinevnoc fo lloryap noitcuded • B stﬁene fi uoy emoceb yllanimret lli ro eid

A tuob sihT egarevoC

KCIFNFLFNGMA KLFCLGNJGELA If uoy ekat on noitca ll’uoy eb derevoc rednu cisaB efiL ecnarusni dedivorp uoy teem eht ytilibigile .stnemeriuqer redisnoC KMCCGECEOAAA w rehteh taht dluow eb hguone ot pleh ruoy ylimaf teem yliad ,sesnepxe niatniam rieht dradnats fo ,gnivil yap ffo tbed dna 00 f dnu ruoy s’nerdlihc .noitacude fI ,ton uoy yam tnaw ot ylppa rof lanoitidda egarevoc .won

H wo hcuM naC I ylppA ?roF Fro :uoY $ 000,01 – $ 000,003 ni stnemercni fo Y ruo lanoitiddA efiL tnuoma tonnac deecxe a mumixam fo $000,01 5 semit ruoy launna .sgninrae ehT egarevoc tnuoma rof y ruo esuops tonnac deecxe 05 tnecrep fo ruoy denibmoc B cisa dna lanoitiddA efiL .egarevoc ehT egarevoc tnuoma F ro ruoY :esuopS $ 000,5 – $000,051 in stnemercni fo f ro ruoy )ner(dlihc tonnac deecxe 05 tnecrep fo ruoy $,000,5 b tu ton ot deecxe 5.2 semit c denibmo cisaB dna lanoitiddA efiL .egarevoc y ruo launna sgninrae

F ro ruoY :)ner(dlihC $ 005,2 – $ 000,01 ni stnemercni fo $005,2

W tah si eht eetnarauG eussI ?mumixaM Fro :uoY Up ot $000,05 D gnidnepe no ruoy ,ytilibigile siht si eht mumixam tnuoma of egarevoc uoy yam ylppa rof gnirud laitini tnemllorne F ro ruoY :esuopS Up ot $000,52 w tuohti gnirewsna htlaeh .snoitseuq

S ee eht tnatropmI sliateD noitces rof erom ,noitamrofni gnidulcni ,stnemeriuqer ,snoisulcxe ega snoitcuder dna .snoitinﬁed

6 G puor lanoitiddA efiL ecnarusnI

A lanoitidd erutaeF

A detarelecc tﬁeneB If uoy emoceb yllanimret ,lli uoy yam eb elbigile ot eviecer pu ot 57 p tnecre fo ruoy denibmoc cisaB dna lanoitiddA efiL tﬁeneb ot a m mumixa fo .000,005$

H wo hcuM efiL ecnarusnI oD uoY ?deeN A retf a htaed ni eht ,ylimaf ereht era ynam detcepxenu .sesnepxe ruoY stﬁeneb dluoc pleh ruoy ylimaf yap :rof • O gnidnatstu tbed • B lairu sesnepxe • Mlacide sllib • Y ruo s’nerdlihc noitacude • D ylia sesnepxe To etamitse ruoy ecnarusni ,sdeen ll’uoy deen ot redisnoc ruoy euqinu .secnatsmucric esU ruo enilno rotaluclac ta w sdeen/efil/moc.dradnats.ww .

KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA 00

S dradnat ecnarusnI ynapmoC 7 G puor lanoitiddA efiL ecnarusnI

H wo hcuM ruoY egarevoC stsoC Y ruo cisaB efiL ecnarusni si diap rof yb ytiC fo tseW .doowylloH fI uoy esoohc ot esahcrup lanoitiddA efiL ,egarevoc ll’uoy h eva ssecca ot evititepmoc puorg ,setar hcihw yam eb erom elbadroffa naht esoht elbaliava hguorht laudividni .ecnarusni Y ll’uo osla evah eht ecneinevnoc fo gnivah ruoy muimerp detcuded yltcerid morf ruoy .kcehcyap woH hcum ruoy p muimer stsoc sdneped no a rebmun fo ,srotcaf hcus sa ruoy ega dna eht tﬁeneb .tnuoma

U es siht alumrof ot etaluclac ruoy muimerp :tnemyap

÷ 0001 = x =

E retn eht tnuoma fo E retn ruoy etar morf T sih tnuoma si na c egarevo uoy era t eh etar .elbat e etamits fo woh r gnitseuqe ees( m hcu uoy dluow yap b tﬁene stnuoma ni e hca .htnom t eh tuobA sihT C egarevo .)noitces

If uoy yub egarevoc rof ruoy ,esuops ruoy ylhtnom etar si nwohs ni eht elbat .woleb esU eht emas alumrof ot etaluclac t eh muimerp taht uoy desu rof ,flesruoy tub esu ruoy ega dna ruoy s’esuops .etar If uoy yub stnednepeD efiL egarevoc rof ruoy ,)ner(dlihc ruoy ylhtnom etar si 02.0$ rep ,000,1$ on rettam woh ynam c nerdlih er’uoy .gnirevoc

Yruo etaR S s'esuop etaR reP( Yruo egA Yruo egA (reP 000,1$ $000,1 KCIFNFLFNGMA (sa fo ltsa yluJ 1 ) (sa fo ltsa yluJ 1 ) KLFCLGNJGELA of latoT )egarevoC of latoT )egarevoC KMCCGECEOAAA

00 <03 $001.0 <03 $001.0

393–0 $021.0 393–0 $021.0

444–0 $042.0 444–0 $042.0

494–5 $034.0 494–5 $034.0

545–0 $007.0 545–0 $007.0

595–5 $080.1 595–5 $080.1

646–0 $026.1 646–0 $026.1

696–5 $044.2 696–5 $044.2

747–0 $557.3 747–0 $557.3

797–5 $024.5

848–0 $531.8

898–5 $002.21

949–0 $562.61

9+5 $004.42

S dradnat ecnarusnI ynapmoC 8 G puor lanoitiddA efiL ecnarusnI

Employee Life Monthly Premiums

Coverage Employee’s Age as of last July 1 Amount < 30 30-39 40-44 45-49 50-54 55-59 60-64 65-69 $10,000 1.00 1.20 2.40 4.30 7.00 10.80 16.20 24.40 $20,000 2.00 2.40 4.80 8.60 14.00 21.60 32.40 48.80 $30,000 3.00 3.60 7.20 12.90 21.00 32.40 48.60 73.20 $40,000 4.00 4.80 9.60 17.20 28.00 43.20 64.80 97.60 $50,000 5.00 6.00 12.00 21.50 35.00 54.00 81.00 122.00 $60,000 6.00 7.20 14.40 25.80 42.00 64.80 97.20 146.40 $70,000 7.00 8.40 16.80 30.10 49.00 75.60 113.40 170.80 $80,000 8.00 9.60 19.20 34.40 56.00 86.40 129.60 195.20 $90,000 9.00 10.80 21.60 38.70 63.00 97.20 145.80 219.60 $100,000 10.00 12.00 24.00 43.00 70.00 108.00 162.00 244.00 $110,000 11.00 13.20 26.40 47.30 77.00 118.80 178.20 268.40 $120,000 12.00 14.40 28.80 51.60 84.00 129.60 194.40 292.80 $130,000 13.00 15.60 31.20 55.90 91.00 140.40 210.60 317.20 $140,000 14.00 16.80 33.60 60.20 98.00 151.20 226.80 341.60 $150,000 15.00 18.00 36.00 64.50 105.00 162.00 243.00 366.00 $160,000 16.00 19.20 38.40 68.80 112.00 172.80 259.20 390.40 $170,000 17.00 20.40 40.80 73.10 119.00 183.60 275.40 414.80 $180,000 18.00 21.60 43.20 77.40 126.00 194.40 291.60 439.20 $190,000 19.00 22.80 45.60 81.70 133.00 205.20 307.80 463.60 $200,000 20.00 24.00 48.00 86.00 140.00 216.00 324.00 488.00 $210,000 21.00 25.20 50.40 90.30 147.00 226.80 340.20 512.40 $220,000 22.00 26.40 52.80 94.60 154.00 237.60 356.40 536.80 $230,000 23.00 27.60 55.20 98.90 161.00 248.40 372.60 561.20 $240,000 24.00 28.80 57.60 103.20 168.00 259.20 388.80 585.60 $250,000 25.00 30.00 60.00 107.50 175.00 270.00 405.00 610.00 $260,000 26.00 31.20 62.40 111.80 182.00 280.80 421.20 634.40 KCIFNFLFNGMA KLFCLGNJGELA $270,000 27.00 32.40 64.80 116.10 189.00 291.60 437.40 658.80 KMCCGECEOAAA $280,000 28.00 33.60 67.20 120.40 196.00 302.40 453.60 683.20 00 $290,000 29.00 34.80 69.60 124.70 203.00 313.20 469.80 707.60 $300,000 30.00 36.00 72.00 129.00 210.00 324.00 486.00 732.00

S dradnat ecnarusnI ynapmoC 9 G puor lanoitiddA efiL ecnarusnI

Employee Life Monthly Premiums (Continued)

Coverage Employee’s Age as of last July 1 Amount 70-74* 75-79* 80-84* 85-89* 90-94* 95+* $10,000 24.41 24.39 24.41 24.40 24.40 24.40 $20,000 48.82 48.78 48.81 48.80 48.80 48.80 $30,000 73.22 73.17 73.22 73.20 73.19 73.20 $40,000 97.63 97.56 97.62 97.60 97.59 97.60 $50,000 122.04 121.95 122.03 122.00 121.99 122.00 $60,000 146.45 146.34 146.43 146.40 146.39 146.40 $70,000 170.85 170.73 170.84 170.80 170.78 170.80 $80,000 195.26 195.12 195.24 195.20 195.18 195.20 $90,000 219.67 219.51 219.65 219.60 219.58 219.60 $100,000 244.08 243.90 244.05 244.00 243.98 244.00 $110,000 268.48 268.29 268.46 268.40 268.37 268.40 $120,000 292.89 292.68 292.86 292.80 292.77 292.80 $130,000 317.30 317.07 317.27 317.20 317.17 317.20 $140,000 341.71 341.46 341.67 341.60 341.57 341.60 $150,000 366.11 365.85 366.08 366.00 365.96 366.00 $160,000 390.52 390.24 390.48 390.40 390.36 390.40 $170,000 414.93 414.63 414.89 414.80 414.76 414.80 $180,000 439.34 439.02 439.29 439.20 439.16 439.20 $190,000 463.74 463.41 463.70 463.60 463.55 463.60 $200,000 488.15 487.80 488.10 488.00 487.95 488.00 $210,000 512.56 512.19 512.51 512.40 512.35 512.40 $220,000 536.97 536.58 536.91 536.80 536.75 536.80 $230,000 561.37 560.97 561.32 561.20 561.14 561.20 $240,000 585.78 585.36 585.72 585.60 585.54 585.60 $250,000 610.19 609.75 610.13 610.00 609.94 610.00 $260,000 634.60 634.14 634.53 634.40 634.34 634.40 KCIFNFLFNGMA KLFCLGNJGELA $270,000 659.00 658.53 658.94 658.80 658.73 658.80 KMCCGECEOAAA $280,000 683.41 682.92 683.34 683.20 683.13 683.20 00 $290,000 707.82 707.31 707.75 707.60 707.53 707.60 $300,000 732.23 731.70 732.15 732.00 731.93 732.00

 Coverage amounts for ages 70 and over reduce due to age reduction (see Life Insurance Age Reductions section).

S dradnat ecnarusnI ynapmoC 10 G puor lanoitiddA efiL ecnarusnI

Spouse Life Monthly Premiums

Coverage Employee’s Age as of last July 1 Amount < 30 30-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74* $5,000 0.50 0.60 1.20 2.15 3.50 5.40 8.10 12.20 12.20 $10,000 1.00 1.20 2.40 4.30 7.00 10.80 16.20 24.40 24.41 $15,000 1.50 1.80 3.60 6.45 10.50 16.20 24.30 36.60 36.61 $20,000 2.00 2.40 4.80 8.60 14.00 21.60 32.40 48.80 48.82 $25,000 2.50 3.00 6.00 10.75 17.50 27.00 40.50 61.00 61.02 $30,000 3.00 3.60 7.20 12.90 21.00 32.40 48.60 73.20 73.22 $35,000 3.50 4.20 8.40 15.05 24.50 37.80 56.70 85.40 85.43 $40,000 4.00 4.80 9.60 17.20 28.00 43.20 64.80 97.60 97.63 $45,000 4.50 5.40 10.80 19.35 31.50 48.60 72.90 109.80 109.83 $50,000 5.00 6.00 12.00 21.50 35.00 54.00 81.00 122.00 122.04 $55,000 5.50 6.60 13.20 23.65 38.50 59.40 89.10 134.20 134.24 $60,000 6.00 7.20 14.40 25.80 42.00 64.80 97.20 146.40 146.45 $65,000 6.50 7.80 15.60 27.95 45.50 70.20 105.30 158.60 158.65 $70,000 7.00 8.40 16.80 30.10 49.00 75.60 113.40 170.80 170.85 $75,000 7.50 9.00 18.00 32.25 52.50 81.00 121.50 183.00 183.06 $80,000 8.00 9.60 19.20 34.40 56.00 86.40 129.60 195.20 195.26 $85,000 8.50 10.20 20.40 36.55 59.50 91.80 137.70 207.40 207.46 $90,000 9.00 10.80 21.60 38.70 63.00 97.20 145.80 219.60 219.67 $95,000 9.50 11.40 22.80 40.85 66.50 102.60 153.90 231.80 231.87 $100,000 10.00 12.00 24.00 43.00 70.00 108.00 162.00 244.00 244.08 $105,000 10.50 12.60 25.20 45.15 73.50 113.40 170.10 256.20 256.28 $110,000 11.00 13.20 26.40 47.30 77.00 118.80 178.20 268.40 268.48 $115,000 11.50 13.80 27.60 49.45 80.50 124.20 186.30 280.60 280.69 $120,000 12.00 14.40 28.80 51.60 84.00 129.60 194.40 292.80 292.89 $125,000 12.50 15.00 30.00 53.75 87.50 135.00 202.50 305.00 305.09 $130,000 13.00 15.60 31.20 55.90 91.00 140.40 210.60 317.20 317.30 KCIFNFLFNGMA KLFCLGNJGELA $135,000 13.50 16.20 32.40 58.05 94.50 145.80 218.70 329.40 329.50 KMCCGECEOAAA $140,000 14.00 16.80 33.60 60.20 98.00 151.20 226.80 341.60 341.71 00 $145,000 14.50 17.40 34.80 62.35 101.50 156.60 234.90 353.80 353.91 $150,000 15.00 18.00 36.00 64.50 105.00 162.00 243.00 366.00 366.11

 Coverage amounts for ages 70 and over reduce due to age reduction (see Life Insurance Age Reductions section).

Child Life Monthly Premiums

Coverage Amount Premium $2,500 0.50 $5,000 1.00 $7,500 1.50 $10,000 2.00

S dradnat ecnarusnI ynapmoC 11 G puor lanoitiddA efiL ecnarusnI

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SI 750346-AC-LA-D-60521 )02/4( 6 629832-608005

S dradnat ecnarusnI ynapmoC 13 Life Insurance Online Will Preparation A simplified way to take care of important life matters

If creating a will has been on your radar, Online Will Preparation can help you get it done. Use this easy tool to help make important decisions for you and your family. Online Will Preparation is included in the Life Services Toolkit, an additional service with your Group Life Insurance from Standard Insurance Company (The Standard).

Why Create a Will? A will is a legal document that describes how you want to divide up your assets Start Creating Your Will after your death. If you don’t have a will, state law will determine how your assets will be divided. A will can also be used to designate a guardian for minor children. Moreover, a will helps your family and Go to standard.com/mytoolkit. friends understand your wishes.

How It Works In the username field, enter KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA Online Will Preparation is an easy-to-follow “assurance.” 00 process. Just answer a series of questions — on your own time — and watch as the document is created. You can save and Locate Resource Center & Tools close the document at any time, then work on the home page and click on on it later. After you’ve created the will, follow instructions to complete the process. “Create an Online Will.”

Click on the instructions and follow the steps to create a will.

Standard Insurance Company | 1100 SW Sixth Avenue, Portland OR 97204 | standard.com Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. Life Services Toolkit is not available to Life insurance beneficiaries who are minors or to non-individual entities such as trusts, estates or charities. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Online Will Preparation SI 18945-D (10/17) EE 14 Life Services Toolkit Resources and Tools to Help You and Your Beneficiary Meet Life’s Challenges

Group Life insurance through your employer gives you assurance that your family will receive some financial assistance in the event of a death. But coverage under a group Life policy from Standard Insurance Company (The Standard) does more than help protect your family from financial hardship after a loss. We have partnered with Morneau Shepell to offer a lineup of additional services that can make a difference now and in the future.

Online tools and services can help you create a will, make advance funeral plans and put your finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.

The Life Services Toolkit is automatically available to those insured under a group Life insurance policy from The Standard. Recipients of an Accelerated Benefit can access services for 12 months after the date of payment. Services to Help You Now Visit the Life Services Toolkit website at standard.com/mytoolkit (enter username “assurance”) for information and tools to help you make

KCIFNFLFNGMA KLFCLGNJGELA important life decisions. KMCCGECEOAAA 00 Estate Planning Assistance: Online tools walk you through the steps to prepare a will and create other documents, such as living wills, powers of attorney and health care agent forms.

Financial Planning: Consult online services to help you manage debt, calculate mortgage and loan payments, and take care of The Standard is a marketing name for StanCorp other financial matters with confidence. Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Health and Wellness: Timely articles about nutrition, stress Insurance Company of Portland, Oregon in all states except New York. Product features and management and wellness help employees and their families lead availability vary by state and are solely the healthy lives. responsibility of Standard Insurance Company. 1 An Accelerated Benefit allows a covered Identity Theft Prevention: Check the website for ways to thwart individual who becomes terminally ill to identity thieves and resolve issues if identity theft occurs. receive a portion of the Life insurance proceeds while living, if all other eligibility requirements are met. Funeral Arrangements: Use the website to calculate funeral costs, find funeral-related services and make decisions about funeral arrangements in advance.

If you are a recipient of an Accelerated Benefit1, you may access the services for beneficiaries outlined on the next page. Standard Insurance Company 1100 SW Sixth Avenue Portland, OR 97204

standard.com

Life Services Toolkit SI 17526 - D (10/17) EE 15 Services for Your Beneficiary Beneficiaries can Life insurance beneficiaries2 can access services for 12 months after the participate in phone date of death. Recipients of an Accelerated Benefit can access services for consultations or 12 months after the date of payment. in-person meetings with These supportive services can help your beneficiary cope after a loss: trained grief counselors. • Grief Support: Clinicians with master’s degrees are on call to provide confidential grief sessions by phone or in person. Beneficiaries are eligible for up to six face-to-face sessions and unlimited phone contact.

• Legal Services: Beneficiaries can obtain legal assistance from experienced attorneys. They can:

-- Schedule an initial 30-minute office and a telephone consultation with a network attorney. Beneficiaries who wish to retain a participating attorney after the initial consultation receive a 25 percent rate reduction from the attorney’s normal hourly or fixed fee rates.

-- Obtain an estate-planning package that consists of a simple will, a living will, a health care agent form and a durable power of attorney.

• Financial Assistance: Beneficiaries have unlimited phone access to financial counselors who can help with issues such as budgeting strategies, and credit and debt management, including hour-long sessions on topics requiring more in-depth discussion.

KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA • Support Services: During an emotional time, beneficiaries can receive 00 help planning a funeral or memorial service. Work-life advisors can guide them to resources to help manage household repairs and chores; find child care and elder care providers; or organize a move or relocation.

• Online Resources: Beneficiaries can easily access additional services and features on the Life Services Toolkit website for beneficiaries, including online resources to calculate funeral costs, find funeral-related services and make decisions about funeral arrangements.

For beneficiary services, visit standard.com/mytoolkit (User name = support) or call the phone assistance line at 800.378.5742.

2 The Life Services Toolkit is not available to Life insurance beneficiaries who are minors or to non-individual entities such as trusts, estates or charities.

The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product. 16 Travel Assistance Contact Travel Assistance Explore the World with Confidence 800.872.1414 Things can happen on the road. Passports get stolen or lost. Unforeseen United States, Canada, Puerto Rico, events or circumstances derail travel plans. Medical problems surface at U.S. Virgin Islands and Bermuda the most inconvenient times. Travel Assistance can help you navigate these issues and more at any time of the day or night.1 Everywhere else +1.609.986.1234 You and your spouse are covered with Travel Assistance — and so are kids through age 25 — with your group insurance from Standard Insurance Text: Company (The Standard).2 +1.609.334.0807

Security That Travels with You Email: Travel Assistance is available when you travel more than 100 miles from home [email protected] or internationally for up to 180 days for business or pleasure. It offers aid before and during your trip, including: Get the App Visa, weather and currency exchange information, health Get the most out of Travel Assistance inoculation recommendations, country-specific details and with the Assist America Mobile App. security and travel advisories Click one of the links below or scan the QR code to download the app. Enter Credit card and passport replacement and missing baggage your reference number and name to and emergency cash coordination set up your account. From there, you can use valuable travel resources Help replacing prescription medication or lost corrective including: lenses and advancing funds for hospital admission • One-touch access to Assist America’s

KCIFNFLFNGMA Emergency KLFCLGNJGELA Emergency evacuation to the nearest adequate medical KMCCGECEOAAA facility and medically necessary repatriation to the Operations Center 00 employee’s home, including repatriation of remains3 • Worldwide travel alerts Connection to medical care providers, interpreter services, • Mobile ID card local attorneys and assistance in coordinating a bail bond • Embassy locator

Return travel companion if travel is disrupted due to Reference Number: emergency transportation services or care of minor children 01-AA-STD-5201 if left unattended due to prolonged hospitalization

Assistance with the return of your personal vehicle if your emergency transportation services leave it stranded

Evacuation arrangements in the event of a natural disaster, political unrest and social instability

Standard Insurance Company | 1100 SW Sixth Avenue, Portland, OR 97204 | standard.com 1 Travel Assistance is provided through an arrangement with Assist America, Inc. and is not affiliated with The Standard. Travel Assistance is subject to the terms and conditions, including exclusions and limitations of the Travel Assistance Program Description. Assist America, Inc. is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. This service is only available while insured under The Standard’s group policy. 2 Spouses and children traveling on business for their employers are not eligible to access these services during those trips. 3 Must be arranged by Assist America, Inc. The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. Travel Assistance EE D SI 14684 (6/20) 17 Returning to Work After a Loss — Call on Us for Help AD&D Occupational Assistance

At Standard Insurance Company (The Standard), we understand how hard it can be to move forward after a serious loss due to an accident. Recovering physically is the first step. If you need some extra help getting back to work — call on us. Your group insurance from The Standard includes AD&D Occupational Assistance. To connect with a You can get personal assistance with challenges you face returning to work with your current employer. If that’s not possible, we can help you train for and find a consultant, call our different job. Workplace Possibilities Just call the number shown here to connect with one of our Workplace team at 855.977.7764. PossibilitiesSM consultants. These are the same certified experts we offer to help people get back to work after a short term or long term disability leave. You’ll have access to services — covering expenses up to $10,000 — for two years following your accident.

How AD&D Occupational Assistance Works

KCIFNFLFNGMA Develop a Plan KLFCLGNJGELA KMCCGECEOAAA Your Workplace Possibilities consultant 00 will help you develop a rehabilitation plan that may include skills training.

Return to Employer Alternate Path Your consultant can If needed, your coordinate with you consultant can help: and your employer to: • Identify jobs you can do • Develop • Find and pay for training accommodations • Provide support with • Purchase and install resume writing and job equipment searches

You Return to Work Standard Insurance Company Your consultant will follow up if needed. 1100 SW Sixth Avenue Portland, OR 97204

www.standard.com continued on reverse

The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. Occupational Assistance BenefitSI 18949-D (8/17) EE 18 Details and FAQ

We sent this information along with your claim letter to give you more details about AD&D Occupational Assistance. Here are some answers to questions you may have about the types of accidents and losses that are covered, as well as what’s included and what’s not. Am I eligible for AD&D Occupational Assistance? You’re eligible for AD&D Occupational Assistance if you are insured under group AD&D insurance from The Standard and had an accident that resulted in any of the losses listed below. Even if your policy doesn’t pay a benefit for the loss.

Loss of: • One or both hands or feet, thumb and index finger of the same We appreciate the hand, sight in one or both eyes, hearing in both ears, speech, or any combination of these losses. opportunity to help • Paralysis, including: quadriplegia, triplegia, hemiplegia, paraplegia, or uniplegia. you with the next step

All losses must be caused solely and directly by an accident, independently of all in your work life. If you other causes, and occur within 365 days of the accident. Losses must be certified have questions about by a physician in the appropriate specialty. this service, please Are there any exclusions? contact your human If your accident was caused by or contributed to by any of the circumstances listed here, you won’t be eligible for AD&D Occupational Assistance. resources department. 1. War or act of war KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA 2. Self-inflicted injury 00 3. Committing or attempting to commit assault, felony or actively participating in a riot or violent disorder 4. Voluntary use of poison, chemical compound, alcohol or drug, unless consumed according to the directions of a physician 5. Sickness existing at the time of the accident 6. Heart attack or stroke 7. Medical or surgical treatment for any of the above

What types of services are covered? AD&D Occupational Assistance may cover up to $10,000 of approved services to help you return to work, including the cost of the consultant’s time, development of a rehabilitation plan, recommended job or skills training and assistance developing reasonable accommodations at your workplace. It may also include all or part of the cost to purchase and install ergonomic or medically-necessary adaptive equipment, as well as follow-up consultations. All expenses must be a result of recommendations made by a Workplace Possibilities Consultant and approved by Standard Insurance Company.

Services must be initiated within two years following the date of your accident.

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M ylhtno tfieneB C ssal 1 - 66 3/2 tnecrep fo eht tsrfi 300,53$ fo ylkeew ytilibasiderp sgninrae sa fo eht etad fo ,ytilibasid decuder yb elbitcuded *emocni C ssal 2 - 66 3/2 tnecrep fo eht tsrfi 200,52$ fo ylkeew ytilibasiderp sgninrae sa fo eht etad fo ,ytilibasid decuder yb elbitcuded *emocni C ssal 3 - 66 3/2 tnecrep fo eht tsrfi 100,02$ fo ylkeew ytilibasiderp sgninrae sa fo eht etad fo ,ytilibasid decuder yb elbitcuded *emocni S dradnat ecnarusnI ynapmoC 1 001 WS htxiS eunevA * ,.g.e( krow ,sgninrae ’srekrow ,noitasnepmoc etats ,ytilibasid ).cte P dnaltro RO 40279 M mumixa ylhtnoM tfieneB C ssal 1 - 533,32$ C ssal 2 - 866,61$ C ssal 3 - 433,31$

M mumini ylhtnoM tﬁeneB $ 001 ro 01 tnecrep fo eht gnoL mreT ytilibasiD tﬁeneb erofeb noitcuder yb d elbitcude ,emocni revehcihw si retaerg

22 G puor gnoL mreT ytilibasiD ecnarusnI

B tﬁene gnitiaW doireP 90 syad

D noitinfie fo ytilibasiD F ro eht tfieneb gnitiaw doirep dna eht tsrfi 42 shtnom taht gnoL mreT ytilibasiD b stfiene era ,elbayap uoy lliw eb deredisnoc delbasid ,fi sa a tluser fo lacisyhp d ,esaesi ,yrujni ycnangerp ro latnem :redrosid • Y uo era elbanu ot mrofrep htiw elbanosaer ytiunitnoc eht laitnatsbus dna m laireta stca yrassecen ot eusrup seitud fo ruoy nwo noitapucco dna uoy a er ton gnikrow ni ruoy nwo ,noitapucco r o • Y uo era elbanu ot nrae 08 tnecrep ro erom fo ruoy ytilibasiderp sgninrae w neh gnikrow ni ruoy nwo .noitapucco Y uo era ton deredisnoc delbasid ylerem esuaceb ruoy thgir ot mrofrep ruoy o nw noitapucco si ,detcirtser gnidulcni a noitcirtser ro ssol fo .esnecil A retf eht nwo noitapucco doirep fo ,ytilibasid uoy lliw eb deredisnoc delbasid i ,f sa a tluser fo a lacisyhp ,esaesid ,yrujni ycnangerp ro latnem ,redrosid uoy a er elbanu ot egagne htiw elbanosaer ytiunitnoc ni yna ,noitapucco ro uoy era w gnikro ni na noitapucco tub sa a tluser fo lacisyhp ,esaesid ,yrujni ycnangerp or latnem redrosid uoy era elbanu ot egagne htiw elbanosaer ytiunitnoc ni taht o noitapucc ro yna .noitapucco

M mumixa tfieneB doireP If uoy emoceb delbasid erofeb ega ,26 gnoL mreT ytilibasiD stfieneb yam c eunitno gnirud ytilibasid litnu ega 56 ro ot eht laicoS ytiruceS lamroN R tnemerite egA )ARNSS( ro 3 sraey 6 ,shtnom revehcihw si .tsegnol fI uoy b emoce delbasid ta ega 26 ro ,redlo eht tfieneb noitarud si denimreted yb eht a eg nehw ytilibasid :snigeb

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O reht serutaeF dna secivreS • 24 ruoh ,egarevoc gnidulcni egarevoc rof detaler-krow • R elbanosae noitadommoccA esnepxE tfieneB dseitilibasi • R noitatilibahe nalP noisivorP • A detsiss gniviL tfieneB • R nrute ot kroW evitnecnI • C noisrevno fo ecnarusnI noisivorP • S srovivru t fieneB • E eeyolpm ecnatsissA margorP • W revia fo muimerP elihw gnoL mreT ytilibasiD stfieneb • F ylima eraC esnepxE tnemtsujdA aer elbayap

T sih noitamrofni si ylno a feirb noitpircsed fo eht puorg gnoL mreT ytilibasiD ecnarusni ycilop derosnops yb ytiC fo tseW .doowylloH ehT gnillortnoc p snoisivor lliw eb ni eht puorg ycilop deussi yb ehT .dradnatS ehT puorg ycilop sniatnoc a deliated noitpircsed fo eht ,snoitatimil noitcuder ni ,stﬁeneb e snoisulcx dna nehw ehT dradnatS dna ytiC fo tseW doowylloH yam esaercni eht tsoc fo ,egarevoc dnema ro lecnac eht .ycilop A puorg etacﬁitrec fo i ecnarusn taht sebircsed eht smret dna snoitidnoc fo eht puorg ycilop si elbaliava rof esoht ohw emoceb derusni gnidrocca ot sti .smret roF erom c etelpmo sliated fo ,egarevoc tcatnoc ruoy namuh secruoser .evitatneserper

SI 750346-AC-D-17231 )02/4(

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6 739832-608005

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S dradnat ecnarusnI ynapmoC 24 A Helping Hand When You Need It Rely on the support, guidance and resources of your Employee Assistance Program.

There are times in life when you might need a little help coping or figuring out what to do. Take advantage of the Employee Assistance Program1 With EAP, assistance is which includes WorkLife Services and is available to you and your family in connection with your group insurance from Standard Insurance Company immediate, personal and (The Standard). It’s confidential — information will be released only with your available when you need it. permission or as required by law. Connection to Resources, Support and Guidance You, your dependents (including children to age 26)2 and all household members can contact master’s-degreed clinicians 24/7 by phone, online, live chat, email and text. There’s even a mobile EAP app. Receive referrals to support groups, a network counselor, community resources or your health plan. If necessary, you’ll be connected to emergency services. 1 The EAP service is provided through Your program includes up to three assessment and counseling sessions an arrangement with Morneau Shepell, per issue. Sessions can be done in person, on the phone or by video. EAP which is not affiliated with The Standard. services can help with: Morneau Shepell is solely responsible for providing and administering the included service. EAP is not an insurance product Depression, grief, loss and emotional well-being and is provided to groups of 10–2,499 lives. Family, marital and other relationship issues This service is only available while insured KCIFNFLFNGMA under The Standard’s group policy. KLFCLGNJGELA KMCCGECEOAAA Life improvement and goal-setting 2 Individual EAP counseling sessions area 00 available to eligible participants 16 years Addictions such as alcohol and drug abuse and older; family sessions are available for eligible members 12 years and older, and Stress or anxiety with work or family their parent or guardian. Children under the age of 12 will not receive individual Financial and legal concerns counseling sessions. Identity theft and fraud resolution The Standard is a marketing name for StanCorp Financial Group, Inc. and Online will preparation subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, WorkLife Services Oregon in all states except New York. Product features and availability vary by WorkLife Services are included with the Employee Assistance Program. state and are solely the responsibility of Get help with referrals for important needs like education, adoption, travel, Standard Insurance Company. daily living and care for your pet, child or elderly loved one.

Online Resources Visit workhealthlife.com/Standard3 to explore a wealth of information online, including videos, guides, articles, webinars, resources, self-assessments and calculators.

Contact EAP Standard Insurance Company 1100 SW Sixth Avenue 888.293.6948 Portland, OR 97204 TDD: 800.327.1833 24 hours a day, seven days a week standard.com workhealthlife.com/Standard3 Employee Assistance Program-3 EE D SI 17201 (5/20) 25 NOTE: It’s a violation of your company’s contract to share this information with individuals who are not eligible for this service. KCIFNFLFNGMA KLFCLGNJGELA ( sihT egap yllanoitnetni tfel )knalb KMCCGECEOAAA 00

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Asserdd Cyti Setat ZPI |FT|2.875|| |FT|2.375|| |FT|0.5|| |FT|0.75||

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S I 750346-AC-D-97012 )02/4( 2 fo2

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29 KCIFNFLFNGMA KLFCLGNJGELA ( sihT egap yllanoitnetni tfel )knalb KMCCGECEOAAA 00

30 KCIFNFLFNGMA KLFCLGNJGELA KMCCGECEOAAA 00 A tuob dradnatS ecnarusnI ynapmoC

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