The Benefits of Living Well 2017 Summary Plan Descriptions TABLE OF CONTENTS ....................................................................................... CHAPTER General and Administrative Information .......................................................................... Introduction Medical Plans ........................................................................................................................................................ 1 Medical Coverage During Retirement ................................................................................. 1A Dental Plans ............................................................................................................................................................ 2 Vision Plan................................................................................................................................................................. 3 Disability Plan ....................................................................................................................................................... 4 Life and Accident Insurance Plans.......................................................................................... 5 Health Care Flexible Spending Account Plan .......................................................... 6 Dependent Care Flexible Spending Account Plan ............................................ 7 General Information Retirement Income Program ............................................. 8 401(k) Savings Plan ...................................................................................................................................... 9 Pension Account Plan ............................................................................................................................... 10 Severance Plan ................................................................................................................................................... 11 This Summary Plan Description (SPD) is merely a summary of the terms of the Plan. In the event of a conflict between the actual terms of the Plan and this summary, the terms of the Plan shall control. The Company reserves the right to unilaterally amend, modify or terminate the Plan in its sole discretion at any time for any reason. Signature Select Benefits General and Administrative Information As of January 1, 2017 CONTENTS .............................................................................................................................................................................. Page Introduction .............................................................................................................................................................................................................................................. Intro-1 Eligibility ...................................................................................................................................................................................................................................................... Intro-2 • Eligible Dependents .......................................................................................................................................................................................................................... Intro-2 Enrolling in Signature Select ..................................................................................................................................................................................................... Intro-3 • Default ........................................................................................................................................................................................................................................................ Intro-3 • Annual Enrollment .............................................................................................................................................................................................................................. Intro-3 Changing Your Coverage ............................................................................................................................................................................................................. Intro-4 • Changes in Family Status ............................................................................................................................................................................................................. Intro-4 Paying for Your Benefits ................................................................................................................................................................................................................ Intro-6 When There Is Other Coverage ............................................................................................................................................................................................... Intro-7 • Coordination of Benefits ................................................................................................................................................................................................................ Intro-7 When Coverage Ends ...................................................................................................................................................................................................................... Intro-9 COBRA Continuation of Coverage ....................................................................................................................................................................................... Intro-9 Plan Identification ............................................................................................................................................................................................................................... Intro-13 Plan Insurers/Claim Administrators .................................................................................................................................................................................... Intro-14 Plan Documents ................................................................................................................................................................................................................................... Intro-15 Plan Administration ........................................................................................................................................................................................................................... Intro-15 Claims Denial and Appeal ........................................................................................................................................................................................................... Intro-16 Changing or Terminating the Plan ........................................................................................................................................................................................ Intro-21 Your Rights ............................................................................................................................................................................................................................................... Intro-21 • Your Rights Under ERISA .............................................................................................................................................................................................................. Intro-21 • Your Rights Under WHCRA ......................................................................................................................................................................................................... Intro-22 • HIPAA Privacy Notice ....................................................................................................................................................................................................................... Intro-22 Independent Contractors ............................................................................................................................................................................................................. Intro-27 Employment at Will ............................................................................................................................................................................................................................ Intro-27 GENERAL & ADMINISTRATIVE INFORMATION INTRODUCTION Arvato Digital Services and Arvato Entertainment, which are part of “Arvato,” a division of Bertelsmann, Inc., are participating employers (each a “Participating Employer” or “Company”) in the Bertelsmann Employee Protection Plan, sponsored by Bertelsmann, Inc. and generally known as the Signature Select Benefits Program (“Signature Select” or the “Plan”). Signature Select is a comprehensive and flexible benefits program that provides choice and protection for eligible employees of Arvato (often referred to in this document as “Employees” or, simply, “you”) and their eligible dependents. Signature Select gives you the opportunity to choose from a variety of options in the following coverages: • Medical and Prescription Drug • Dental • Vision Care • Disability Income • Employee Life and Accidental Death & Dismemberment Insurance