 Medical  Telehealth  Hospital Indemnity  Medical Reimbursement FSAs  Dental  Vision  Disability  Term Life Insurance  Permanent Life Insurance  Accident  Cancer  Cri cal Illness  Guidance Resources  ID The  Protec on  Emergency Medical Transporta on 2022.v3 

INTRODUCTION The Citrus County School Board is pleased to offer our employees a wide variety of benefit op ons to suit your needs. The informa on found within the benefit guide is designed to assist you in making important decisions regarding your benefits. Combined Benefits Group (CBG) is the Third Party Benefit Administrator for the District’s benefit program. PLAN YEAR The Plan Year for CCSB’s benefit program is 1/1/2022 through 12/31/2022. For Open Enrollment, benefits will become effec ve January 1st or upon approval of evidence of insurability if required. HOW DO I ENROLL? Visit: www.MyBenefitsHub.com/CitrusCountySB USERNAME: The first six (6) characters of your last name, followed by the first le er of your first name, followed by the last four (4) digits of your Social Security Number. PASSWORD: Last Name (Excluding punctua on) followed by the last four (4) digits of your Social Security Number. WHO IS ELIGIBLE? You are eligible to enroll in CCSB’s benefit program if you are an employee contribu ng to the Florida Re rement System and or employed in a Board approved posi on that is regularly scheduled to work over 10 hours per week. Coverage under CCSB’s benefit program is available to eligible dependents. WHO IS AN ELIGIBLE DEPENDENT? • Current spouse • Natural, adopted, step children up to age 26 • Disabled children of any age if they were enrolled prior to age 26 • Children up to age 26 for whom the subscriber has assumed a parent-child rela onship and is considered the primary care parent. Note: CCSB will ask subscribers to supply various forms of documenta on to cer fy the rela onship. • Children age 26 through the end of the calendar year the child obtains age 30, if the child meets the following criteria: ∗ The child must be a Florida resident or, if not, the child must be a full- me or part- me student whose parent resides in Florida ∗ The child must not be married ∗ The child must not have a dependent of his own ∗ The child must not be covered by another health plan or policy (group or individual) or by Medicare NEW HIRE ENROLLMENT Online benefit enrollment must be completed within 30 days of your start date. Elected benefits will take effect on the 1st of the month following 30 days from your date of employment. Payroll deduc ons occur in the same month as the coverage. All new employees are required to complete the enrollment process to either enroll in or decline the district’s benefit plan offerings. MID-YEAR CHANGES The benefits you choose will remain in effect throughout the plan year (from January 1 - December 31). You may only add or cancel coverage during the year if you have an IRS approved qualifying change in family or employment status that causes you to gain or lose eligibility for benefits. Employees have 31 days a er a qualifying event to make changes based on that event. It is the responsibility of the employee to no fy the Risk Management & Employee Rela ons Department of such changes and to complete the proper paperwork. Qualifying changes may include: • A change in your legal marital status • A change in your number of dependents as a result of birth, adop on, legal custody, or if your dependent child sa sfies or ceases to sa sfy eligibility requirements for coverage, or the death of a dependent child or spouse • A change in employment status for you or your spouse • Loss or gain of eligibility for other insurance (including CHIP & Medicaid—60 day no fica on deadline) WHO DO I CONTACT WITH QUESTIONS? For ques ons, you can contact Combined Benefits Group, our Third Party Benefit Administrator at 800-749-6458.

Employee Benefit Portal: www.mybenefitshub.com/CitrusCountySB Benefit Informa on Access | Online Enrollment Access | Contact Informa on HEALTH INSURANCE PROVIDER PHONE WEBSITE PG. Medical Insurance Florida Blue 800.352.2583 h ps://www.floridablue.com 9 - 11 Wellness Center 12 Biometric Screening My Health Onsite 888.644.1448 www.my-pa entportal.com 13 - 14 Life Scan Wellness Center *Refer to the Risk Management and Employee Rela ons Dept EMPLOYEE BENEFIT PLANS PROVIDER PHONE WEBSITE/EMAIL Emergency Medical Transporta on MASA 877.503.0585 h ps://www.masamts.com 15 - 16 800.800.7616 h ps://mybenefitswork.com 17 - 20 Telehealth Access Medical 800.256.8606 h ps://www.ampublic.com 21 - 24 800.487.5553 h ps://www.ameritas.com 25 - 28 Hospital Indemnity American Public Life 800.255-4931 h ps://www.vsp.com 29 - 30 800.553.5318 h ps://www.oneamerica.com 31 - 34 Dental Ameritas 800.283.9233 h ps://www.texaslife.com 35 - 38 800.553.5318 h ps://www.oneamerica.com 39 - 40 Vision Ameritas : VSP 800.732.1603 h ps://www.cigna.com 41 - 42 800.256.8606 h ps://www.ampublic.com 43 - 49 Disability Income Protec on OneAmerica 800.256.8606 h ps://www.ampublic.com 50 - 52 800.733.7879 h ps://www.slfserviceresources.com 53 - 56 Permanent Life Insurance Texas Life 800.607.9174 h ps://www.lifelock.com 57 - 60 Term Life Insurance OneAmerica 800.422.4661 h ps://www.tasconline.com 61 - 66 Accidental Death & Dismemberment Cigna Cancer American Public Life Accident American Public Life Cri cal Illness Sun Life Financial Iden ty The Protec on Norton LifeLock Flexible Spending Accounts (FSAs) TASC EMPLOYEE RESOURCES PROVIDER PHONE WEBSITE/EMAIL 67 - 68 Guidance Resources ComPsych 855.387.9727 h ps://www.guidanceresources.com CCSB Company Web ID: ONEAMERICA3 OPTIONAL LIFE PROVIDER PHONE WEBSITE/EMAIL $15,000 / $10,000 Term Life Florida Combined Life 800.352.2583 h ps://www.floridablue.com

E I L: MB H . /C C SB I: THEbenefitsHUB gives you access to your benefits 24 hours a day, 7 days a week from anywhere you have Internet connec on. These instruc ons are meant to walk you through the simple enrollment process, taking you page-by-page through your enrollment screens and providing informa on on how to efficiently complete your enrollment walk-through. U P: USERNAME: The first six (6) characters of your last name, followed by the first le er of your first name, followed by the last four (4) digits of your Social Security Number. PASSWORD: Last Name (Excluding punctua on) followed by the last four (4) digits of your Social Security Number. EXAMPLE: James Crook | 987-65-4321 Kelly Essman-Crook | 123-45-6789 USERNAME: crookj4321 essmank6789 PASSWORD: crook4321 essmancrook6789 Open Enrollment: All passwords have been reset to the format above for Open Enrollment. Once you have logged in, you will use the password that you created, NOT the password format listed above. UL I: When you log in for the first me, you will be asked to change your password and/or electronically sign two acknowledgement pages. Outlined below is how to complete these ac ons, and what they mean. Change Password: When logging in for the first me, you will be brought to a page promp ng you to update your password following your company’s password policy. Once your new password has been set, click 1

EI A: System Acknowledgements: The System Acknowledgements page is displayed when you log in to the system as an employee. Read this sec on carefully as it contains disclaimer informa on and requires an electronic signature. To con nue in the online enrollment process, read through each sec on, checking each applicable box to signify acceptance of the acknowledgment. When you have checked all applicable boxes, click at the bo om of the page to proceed. Note that by clicking this bu on, you are agreeing to the terms. This will take you to the Company Acknowledgements page. Company Acknowledgements: The Company Acknowledgements page is specific to your company. Read through each sec on, checking each applicable box to signify acceptance of the acknowledgment. Click to con nue. Please note, there may be documents presented containing addi onal informa on for both your System and Company Acknowledgements pages. If you have already given your electronic signature you will not be asked to sign again, but you can view your previous acknowledgments in the File Cabinet. D I: The Employee Informa on Entry process requires you to enter demographic informa on. You will need to review any pre-filled informa on for accuracy. Complete new or missing informa on and click on the bu on when you are ready to proceed to the next step. Please Note: All fields in BOLD are required. Personal Informa on: In addi on to any other informa on, enter an email address if you have one. If you need to use the Forgot Password link on the Login page, the system will deliver your new login cre- den als to this email address. Dependent Informa on: To add a dependent, click on the icon. To edit an exis ng dependent, click on the icon or the name of the dependent listed. Click on the bu on a er successfully adding informa on for each dependent. Click at the bo om of the page a er all dependents have been added. Please make sure to indicate if your child is a full- me student and/or claimed on your tax return as this could affect eligibility on some benefit plans. To revisit any of the sec ons men oned select the bu on to return to the previous page. 2

EI BE : When you have completely entered all of your personal and dependent informa on, you will begin your online enrollment for any of the benefits in which you are eligible. Each benefit will appear on individual pages for your review. Choose your elec on and then click the bu on to proceed to the next benefit. View Important Plan Informa on: Importance of specific features in a plan or add any disclaimers that may be necessary in the “Plan Informa on” sec on. This sec on can be found at the top of the page. Product Summary Video: Videos are placed throughout the benefit elec on process. You can access product videos that explain the purpose, func on, and importance by clicking on the (play bu on) icon when available. View Benefit Descrip ons: To view, click on the View Plan Outline of Benefit link underneath the plan name. Doing so displays a plan summary and any available links or documenta on related to this plan. View Plan Cost: Click on the checkbox next to each eligible family member or choose the coverage level you would like. The cost will automa cally appear in the box to the right of the members’ names. Addi- onally, the “Elec on Summary” box will be updated as coverage adjustments are made. View Total Plan Cost: While selec ng plans, the cost will automa cally adjust in the “Elec on Summary” box in response to your selec ons. Forms: One or more of your Benefit Plans may require a paper form to be submi ed with the Insurance Carrier. If this is the case, THEbenefitsHUB will prompt you to print the necessary forms during your online enrollment session. EI : This page is present if you have elected coverage pending carrier approval. For coverage to be submi ed for carrier approval, please complete and submit any applicable Evidence of Insurability forms present. Clicking the bu on will take you to your next step. BI : You will be taken to the Beneficiary Informa on page if you have elected benefits that require benefi- ciary designa ons. Once you have selected your beneficiaries, you will be taken to the Consolidated Enrollment Form. You can select a dependent or a add a new beneficiary. Push the bu on to confirm that the informa on is correct. Bolded fields are required. Click . Choose what percentage of your benefits go to each beneficiary. You may not exceed a total of 100% for your primary or con ngent beneficiary designa on for each product. 3

EI C E F: If your Consolidated Enrollment Form says “Almost Done!” you have completed your New Hire enrollment but s ll need to complete your company’s Open Enrollment. Click to begin your Open Enrollment. If your Consolidated Enrollment Form says “Congratula ons!” this signals the end of your enrollment and the page will display informa on summarizing your enrollment. You may make changes to anything that is incorrect by clicking on the Benefit Plan name to restart your enrollment. When you have completed your benefit selec ons, click the bu on and you will be redirected to the Employee Menu screen. E M: A er you have completed your enrollment in the system, you will see the following Employee Menu icons: Personal Informa on: You can access and edit your informa on by selec ng the menu items under Per- sonal Informa on. This sec on will also allow you to change your Password. Dependent Informa on: You can access and edit informa on for Dependents in this sec on. Make sure the HR Department knows of any changes made as this may change eligibility status or give an oppor- tunity to change enrollment in certain benefits! Benefit Plan Informa on: You can access and view benefits in this sec on. You will not be able to change benefit elec ons unless it is during your annual enrollment period. See a quick overview of all your elected informa on on the Consolidated Enrollment Form. In addi on to accessing the Evidence of Insurability, Beneficiary Informa on, and Consolidated Enrollment Form pages, you can also access the File Cabinet, which will contain enrollment snapshots of pages like the Acknowledgments and Consoli- dated Enrollment Form 4

2022 Rate Summary  Semi‐Monthly Payroll Deductions  Health Insurance             #  15888  Florida Blue  Blue Options  Blue Options  Blue Options  Plan # 03359  HSA Compatible  HSA Compatible  Plan # 05168/05169  Plan # 05172/05173  Employee Only  $  171.90  $    70.66  $     51.00  $   504.74  Employee + One  $  685.37  $  474.86  $   523.37  Family  $  729.22  $  518.43  *CCSB Contributes $572.00 per month towards the cost of health insurance. Husband & Wife Both Employed through CCSB  Employee + One   $  399.37  $  188.86  $  218.74  $  237.37  Family  $  443.22  $  232.43  *CCSB Contributes $1,144.00 per month towards the cost of health insurance. ** Plan 5172/5173 will not have the benefits of the Wellness Center **  2022 Biometric Screening  Comprehensive Biometric Screening  Life Scan Wellness Centers  $  16.46  Per Person   Emergency Medical Transportation  MASA  Employee Only   Emergent Ground  Emergent Plus  Platinum  Employee & Family  $  4.50  $  7.00  $  12.09  Included  Included  $  16.30  Flexible Spending Accounts  # 4814‐7874‐6991  Total Administrative Services Corporation (TASC)  Annual Contribution Limits   Medical Reimbursement Account  Dependent Care Reimbursement  $  2,750  Account  $  5,000  Telehealth & Health Advocacy         # AM100Q  Access Medical  Access Medical  Employee & Family   $  5.00  5

Hospital Indemnity Insurance  # 13321  American Public Life  $3,000 HIP  Employee Only  $1,500 HIP  $2,500 HIP  (05169; 5172/3)  Family  (05168)  (03359)  $  11.67  $  18.33  $   23.46  $  23.04  $  36.42  $   46.71  Dental  Basic Plan                  #  010‐32352  Ameritas  $  10.72  Select Plan  Employee Only   $  20.44  $  18.84  Employee + One  $  36.46  $  35.62  Family  $  61.88  Vision  #  010‐32352  Ameritas (VSP Network)  Employee Only   $    4.80  Family  $  13.53  Long‐Term Disability  45% of Salary  55% of Salary          #  616448  One America  Cost Per $100  Cost Per $100    Mo. Benefit  Mo. Benefit  65% of Salary  Percentage (%) of Salary  Cost Per $100   $    1.61  $    1.78  Mo. Benefit  Educator Disability Plan  $    1.37  $    1.53  $    1.21  $    1.34  $    2.06  0 / 7 Day Elimination Period*   $    1.00  $    1.11  $    1.76  14 Day Elimination Period*  $   0.58  $   0.65  $    1.55  30 Day Elimination Period*  $   0.43  $   0.48  $    1.28  60 Day Elimination Period  $    0.75  90 Day Elimination Period  $    0.55  180 Day Elimination Period  *Includes 1st Day Hospital Benefit Lump Sum Disability Rider  $10,000  $20,000  $30,000  $    0.90  18 ‐ 24  $    0.30  $    0.60  $    1.20  $    1.80  25 ‐ 29  $    0.40  $    0.80  $    2.40  $    4.50  30 ‐ 34  $    0.60  $    1.20  $    7.20  $  11.40  35 ‐ 39  $    0.80  $    1.60  $  17.10  $  31.20  40 ‐ 44  $   1.50  $   3.00  45 ‐ 49  $   2.40  $   4.80  50 ‐ 54  $   3.80  $   7.60  55 ‐ 59  $   5.70  $ 11.40  60 +  $ 10.40  $ 20.80  *Must be enrolled in the Long‐Term Disability Plan to Elect this Coverage 6

Accident Plan                   #  13321  American Public Life  Employee Only   $    4.13  Employee & Spouse  $    7.06  Employee & Child(ren)  $    8.30  Family  $  11.23  Optional Life Insurance  $    5.90  Florida Combined Life  $    3.84  $    2.95  Benefit Amount (Life / AD&D)  $   1.48  $15,000 / 10,000 AD&D thru age 64  $  9,750 /   6,500 AD&D thru ages 65 ‐ 69  $  7,500 /   5,000 AD&D thru ages 70 – 74  $  3,750 /   2,500 AD&D thru ages 75 +  Voluntary Term Life Insurance (AD&D Included)          #  616448  OneAmerica  Age Bracket  $20,000  $200,000  18 – 29  $    0.46  $      4.60  30 – 34  $    0.73  $      7.30  35 – 39  $    1.15  $    11.50  40 – 44  $    1.67  $    16.70  45 – 49  $    2.62  $    26.20  50 – 54  $    4.10  $    41.00  55 – 59  $    6.27  $    62.70  60 – 64  $    9.42  $    94.20  65 – 69  $  15.95  $  159.50  70 +  $  28.42  $  284.20  *Spouse may enroll in 50% employee coverage and premiums based on employee’s age. Child(ren) Life & AD&D   $5,000  $10,000  to age 19, or 25 if full time student  $    0.84  $    1.68  Accidental Death & Dismemberment Insurance                 #  815443  CIGNA  Benefit Amount  Employee Only  Spouse    Spouse    Children    $ 250,000  $  4.50  (100%  Employee)  (50%  Employee)  (10%  Employee)  $  3.60  $ 200,000  $  2.70  $  4.50  $  2.25  $  0.90  $ 150,000  $  1.80  $  3.60  $  1.80  $  0.72  $ 100,000  $  0.90  $  2.70  $  1.35  $  0.54  $   25,000  $  1.80  $  0.90  $  0.36  $  0.90  $  0.45  $  0.09  7

Permanent Life Insurance   #  SM8440  Texas Life  $100,000  Issue Age  $25,000  $50,000  n/a  n/a  11 ‐ 20  $    4.00  $    14.75  $      7.75  $    16.75  25  $    4.25  $      8.75  $    21.25  $    11.00  $    45.75  30  $    4.75  $    23.75  $    52.75  n/a  35  $    5.88  $    69.25  n/a  45  $  12.00  #  13321  55  $  26.75  60  $  33.00  *Sample – Non Tobacco Rates – Cost locked at age of election  Cancer Plan  American Public Life  Employee Only   Low Option Base Plan  High Option Base Plan  Employee & Spouse  Employee & Child(ren)  $  11.90  $  17.10  Family  $  21.15  $  30.20  $  16.60  $  23.70  $  21.15  $  30.20  Employee Only   Low Option Base Plan  High Option Base Plan  Employee & Spouse  With $600 Daily ICU Benefit  With $600 Daily ICU Benefit  Employee & Child(ren)  Family  $  13.55  $  18.75  $  24.60  $  33.65  $  18.85  $  25.95  $  24.60  $  33.65  Critical Illness Insurance   #  919914  Sun Life Financial  $25,000  Issue Age  $5,000  $10,000  $    6.00  $    9.13  Thru Age 29  $    1.20  $    2.40  $  13.63  $  24.50  30 – 39  $    1.83  $    3.65  $  35.25  $  42.63  40 – 49  $    2.73  $    5.45  50 – 59   $    4.90  $    9.80  60 – 64  $    7.05  $  14.10  65 +  $    8.53  $  17.05  *Non Tobacco Rates.  Spouse eligible for 50% of Employee Amount Identity Theft Protection  Benefit Essential  #  E0006306  LifeLock  $  4.25  $  8.49  Benefit Premier  Employee Only   Employee & Family  $  7.50  $  14.99  8

Citrus County School Board Blue Options 03359 Blue Options Blue Options 2022 Health Benefits HSA Compatible HSA Compatible In-Network $1,000 / $2,000 05168 / 05169 05172 / 05173 20% Deductible (Per Person / Family Aggregate) $1,500 / $3,000 $6,500 / $13,100 Coinsurance (Member Responsibility) $5,000 / $10,000 10% 0% Out of Pocket Maximum (Per Person / Family No Maximum Lifetime Maximum $4,500 / $6,000 $6,500 / $13,100 Professional Provider Services $20 No Maximum No Maximum Primary Care Physician (Family Physician) Deductible + 20% Specialist Deductible + 10% Deductible E - Primary Care Physician (Family Physician) $10 Deductible + 10% Deductible E - Specialist Deductible + 20% Deductible + 10% Deductible Preventative Care (Adult Wellness Office Services) Deductible + 10% Deductible Primary Care Physician (Family Physician) $0 Specialist $0 $0 $0 Emergency/Urgent Care/Convenient Care $0 $0 Emergency Room Facility Servcies $100 Urgent Care Centers (UCC) Deductible + 20% Deductible + 10% Deductible Conveinent Care Centers (CCC) Deductible + 10% Deductible Facility Services - Hosp/Surg/ICL/IFFT $20 Deductible + 10% Deductible Ambulatory Surgical Center Independent Clinical Lab $100 Deductible + 10% Deductible Independent Diagnostic Testing Facility $0 Deductible + 10% Deductible Advanced Imaging Services (AIS) $125 Deductible + 10% Deductible Other Diagnostic Services $50 Deductible + 10% Deductible Inpatient Hospital (per admission) Option 1 $600 / Option 2 $900 Deductible + 10% Deductible Prescription Drugs Retail (30 Days) $250 Deductible Deductible Deductible Generic / Preferred Brand / Non- 20% / 30% / 40% then Covered at 100% then $10 / $30 / $50 Mail Order (90 Days) Generic / Preferred Brand / Non- $20 / $50 / $80 Not Covered Deductible then $25 / $75 / $125 Out of Network: Combined with In-Network $3,000 / $6,000 20% 20% $10,000 / $20,000 Deductible (Per Person / Family Aggregate) 20% Coinsurance (Member Responsibility) Combined with In-Network $6,000 / $12,000 Out of Pocket Maximum (Per Person / Family No Maximum No Maximum $10,000 / $20,000 Lifetime Maximum No Maximum Professional Provider Services Deductible + 40% Deductible + 20% Primary Care Physician (Family Physician) Deductible + 40% Deductible + 20% Deductible + 20% Specialist Deductible + 20% E - Primary Care Physician (Family Physician) Not Covered Not Covered E - Specialist Not Covered Not Covered Not Covered Preventative Care (Adult Wellness Office Services) Not Covered Primary Care Physician (Family Physician) 40% 20% Specialist 40% 20% 20% Emergency/Urgent Care/Convenient Care 20% Emergency Room Facility Servcies $100 Deductible + 10% Urgent Care Centers (UCC) Deductible + 20% Deductible + 10% In-Network Deductible Conveinent Care Centers (CCC) Deductible + 40% Deductible + 20% Deductible Facility Services - Hosp/Surg/ICL/IFFT Ambulatory Surgical Center Deductible + 40% Deductible + 20% Deductible + 20% Independent Clinical Lab Deductible + 40% Deductible + 20% Independent Diagnostic Testing Facility Deductible + 40% Deductible + 20% Deductible + 20% Inpatient Hospital (per admission) Deductible + 40% Deductible + 20% Deductible + 20% Deductible + 20% Deductible + 20% Plans 05172/05173 do not include access to the Wellness Center. This is not an insurance contract or Benefit Booklet. This Benefit Summary is only a partial description of the many benefits and services provided or authorized by Florida Blue. This does not constitute a contract. For a complete description of benefits and exclusions, please see the Florida Blue Benefit Booklets and Schedule of Beneits; its terms prevail. 9

Blue Options  Blue Options  Blue Options  Plan # 03359  HSA Compatible  HSA Compatible  Plan # 05168/05169  Plan # 05172/05173  Employee Only  $  171.90  $    70.66  $     51.00  $   504.74  Employee + One  $  685.37  $  474.86  $   523.37  Family  $  729.22  $  518.43  *CCSB Contributes $572.00 per month towards the cost of health insurance. Husband & Wife Both Employed through CCSB  Employee + One  $  399.37  $  188.86  $  218.74  $  237.37  Family  $  443.22  $  232.43  *CCSB Contributes $1,144.00 per month towards the cost of health insurance. Dependent Eligibility & Documentation Requirements  The below documentation is now required, when enrolling dependents in the District’s health plan whether as a new  hire, during open enrollment, or when making mid‐year changes to benefits:  o Verification of dependents and spouse, if any o Change in marital status – marriage certificate or divorce decree o Birth of a Child – copy of birth certificate o Adoption of a child – copy of adoption papers o Death of a Dependent – copy of death certificate o Change of Spouse’s employment – copy of Certificate of Creditable Coverage o Entitlement  to Medicare or Medicaid – copy of Medicare card or copy of Medicaid eligibility letter o Stepchildren – documentation of relationship, example: marriage certificate along with birth certificate of child. Eligible Dependent includes:   o Current spouse o Natural, adopted, step children up to age 26 o Disabled children of any age if they were enrolled prior to age 26 o Children up to age 26 for whom the subscriber has assumed a parent‐child relationship and is considered the primary care parent.  Note:  CCSB will ask subscribers to supply various forms of documentation to certify the relationship. o Children age 26 through the end of the calendar year the child obtains age 30, if the child meets the following criteria: o The child must be a Florida resident or, if not, the child must be a full‐time or part‐time student whose parent resides in Florida o The child must not be married o The child must not have a dependent of his own o The child must not be covered by another health plan or policy (group or individual) or by Medicare Ineligible Dependents Include:  o Former spouse o Children of former spouse o Children 26 and older (unless they meet certain criteria) o Relatives such as grandchildren, grandparents, parents, aunts, uncles, nieces, nephews, etc. o Foster children o Spouse of adult children o Live‐in boyfriend or girlfriend and his/her children 10

Insurance FAQs Where can I find information regarding my health plan? www.floridablue.com is a great resource for information regarding your specific benefit plan. Some of the features include: i A secure e-mail messaging center to ask specific questions about your coverage, claims information and more. i Request/Print a Health Insurance Card i View/Request Your Benefit Booklet i View and Print Forms i Find a Doctor You also have access to your Deductible and Out of Pocket Maximum amounts. All you have to do is go to www.floridablue.com and go to Login/Register. You can also call 800-352-2583. Where can I find information regarding my supplemental plans? Save your Username and Password for the BenefitsHub, this valuable tool can be accessed all year at any time. For Supplemental Benefits go to www.mybenefitshub.com/citruscountysb. i Find claim forms and provider networks i View information specific to the plans you are enrolled in i Change beneficiaries i Access the Employee Benefit Guide i Change your profile information (address, phone number) How do I know what health insurance plan I am on and what is being deducted from my paycheck? This information can be found on your paycheck. 1. Under Skyward Employee Access, look under “Employee Information.” 2. Under the “Payroll”section, click “Check History”. 3. Find the most recent check and look under “Deductions”. The plan information and deduction amount is listed there. What is the difference between “Deductible”and “Out-of-Pocket”? A deductible is the amount a member must pay for health care services before your insurance plan will begin to pay for any claims. Depending on the plan, once the deductible is met, you will need to pay a % of the claim until the total “Out-of-Pocket”is met. Your Out-of-Pocket expense will be lower when using In-Network providers. When you reach your maximum “Out-of-Pocket”limit, the plan will pay 100% for approved claims. *Benefits may vary with the use of Out of Network Providers. 11

Call Center: 1-888-644-1448 Patient Portal: www.my-patientportal.com Employee Health & Wellness Center My Health Onsite delivers advanced personalized healthcare solutions to employees through a variety of complimentary services which help lower your cost and improve your health at the Wellness Centers. • No long waits in the waiting room. Generally, you are in and out in less than 30 minutes!! • No co-pays OR deductibles! • Spouses and dependents are included if covered under your CCSB Group Health Insurance Plan. • Selected Generic medication are dispensed at no charge. • Telephone, Virtual & Face-to-Face appointments available. Personalized Health Assessment – Vital Health Profile (VHP) Complimentary personalized health assessment including biometric screening & laboratory studies. Provides patients an opportunity to review their results with our medical provider and receive a complete physical. • Provides early indicators and suggestions for expensive conditions. • Physician is available to explain conditions and treatments. • Your VHP and lab work results are often available online. Lab Draws Outside lab orders CAN BE filled by My Health Onsite; Approval & Verification is Required. Other Services • Nutritional Counseling • Cold/Flu, Allergy • Asthma/COPD • Hypertension Management • Cardiovascular Risk Reduction • Lab Draws • Pre-Diabetes Management • Annual Wellness Visits • Well-woman & Preventative Care • Digital X-Ray (BH Location) • Immunizations • Pharmacy Onsite/Mail-Order Locations & Hours Beverly Hills Inverness 4065 N. Lecanto Hwy, Beverly Hills, FL. 216-C South Apopka Ave, Inverness, FL. HOURS OF OPERATION HOURS OF OPERATION Monday-Friday: 7:00am-6:00pm Monday-Friday: 7:00am-6:00pm Saturday: 9:00am-1:00pm BOTH OFFICES CLOSED FOR LUNCH: 12:00PM-1:00PM BOTH OFFICES CLOSED FOR LUNCH: 12:00PM-1:00PM Lab Services Only Lab Services Only (VHP, blood draws, drug tests, etc.) (VHP, blood draws, drug tests, etc.) Mon, Tues, Wed, Fri: 7:00am-11:00am Mon, Tues, Wed, Fri: 7:00am-11:00am Thursday: 6:00am-10:00am Thursday: 6:00am-11:00am Beverly Hills Providers Inverness Providers Tiffany Van Arsdale, ARNP Rebecca Ferguson, APRN Barbara Muniz, APRN Nolan Toth, DO 12

LIFE SAVING SERVICES The Life Scan Wellness Program is an integrated medical approach to exams that combines an annual physical with life-saving, early detection testing for major diseases such as heart disease, stroke, cancer, diabetes, and aneurysms before they reach a catastrophic level. It provides you with a thorough assessment of your health as well as recommendations for achieving and maintaining long term wellbeing and managing medical risks. Each Life Scan exam has the added value benefit of ultrasound imaging assessments of the internal organs, heart, and vascular system as well as cardiac and pulmonary testing, extensive laboratory blood profiles, infectious disease testing, diet and nutritional analysis, a state-of-the-art fitness evaluation, and a personalized wellness plan. PREVENTION OF FATALITIES With a focus on early detection and treatment through an advanced level of medical testing and patient assessments, Life Scan offers a thorough physical examination as well as recommendations for achieving and maintaining a long-term healthy lifestyle and managing medical risks to prevent fatalities. Life Scan’s sophisticated medical tests identify and analyze specific markers that are the foundation of virtually every disease, visualizes the health of the internal organs and heart, and evaluates the function of the vascular system. • Heart Disease • Stroke • Cancer • Diabetes • Aneurysms • and more START SAVING TODAY TO PAY FOR YOUR LIFESCAN Due to the cost of Life Scan, the CCSB is allowing members of our health insurance, and covered dependents over the age of 18, to pre-pay for this valuable service. For as little $16.46 per person, per pay period, you can receive this screening. Life Scans will begin in December of 2020. Information regarding scheduling will be sent out at a later date to employees that enroll in this benefit. 13

Life Scan Wellness Centers 2022 LIFE SCAN PHYSICAL: Physical Exam Vision Exam (Titmus) included Occupational Hearing Exam included Skin cancer assessment included Personal Consultation with review of testing results included Cardio~Pulmonary Assessment Echocardiogram (Heart Ultrasound) included Resting EKG included Treadmill Stress Test with EKG included Carotid Arteries Ultrasound included Aortic Aneurysm Ultrasound included Pulmonary Function Test included Cancer and Disease Assessment Thyroid Ultrasound included Liver, Pancreas, Gall Bladder, Spleen, & Kidney Ultrasounds included Bladder Ultrasound included Pelvic Ultrasound for Women (external) included Testicular Ultrasound for Men included Blood and Laboratory Tests Hemoccult Test included Urinalysis included Lipid Panel included Diabetes Tests (Hemoglobin A1C and Glucose) included Complete Blood Count included Comprehensive Metabolic Panel included TSH (Thyroid Blood Test) included PSA (men) included CA-125 (women) included Fitness Evaluation (NFPA 1583 ~WFI Guidelines) Muscular Strength and Endurance Evaluation included Aerobic Endurance Evaluation (VO2 Max Calc) included Flexibility Evaluation included Nutrition and Diet Recommendations included Personal Fitness Recommendations included Medical Clearances OSHA Respirator Medical Clearance included Firefighter Medical Clearance NFPA 1582 as needed included TOTAL SEMI-MONTHLY PAYROLL DEDUCTION $16.46 per Person 14

Enroll in the Emergent Plus plan today and protect you and your family against the financial burden of massive out-of-pocket ambulance costs, all at an affordable group rate. EMERGENT PLUS MEMBERSHIP BENEFITS A MASA MTS Membership provides the ultimate peace of mind at an DID YOU KNOW? affordable rate for emergency ground and air transportation service within the United States and Canada, regardless of whether the provider is in or out of a 25MILLION given group healthcare benefits network. PEOPLE After the group health plan pays its portion, MASA MTS works with providers are sent to the emergency room to deliver our members $0 in out-of-pocket costs for emergency transport. through ground or air ambulance every year. Emergent Air Transportation In the event of a serious medical emergency, Members have access to Insurance companies may emergency air transportation into a medical facility or between medical not cover all air and ground facilities. ambulance expenses which can result in excessive bills. Emergent Ground Transportation In the event of a serious medical emergency, Members have access to $5,000 emergency ground transportation into a medical facility or between medical $60,000 facilities. Non-Emergency Inter-Facility Transportation In the event that a member is in stable condition in a medical facility but requires a heightened level of care that is not available at their current medical facility, Members have access to non-emergency air or ground transportation between medical facilities. Repatriation/Recuperation Suppose you or a family member is hospitalized more than 100-miles from your home. In that case, you have benefit coverage for air or ground medical transportation into a medical facility closer to your home for recuperation. 7$ /SEMI-MONTHLY Contact Your MASA MTS Representative, Combined Benefits Group to learn more about membership plan options. mybenefitshub.com/citruscountysb 800.749.6458 The information provided in this product sheet is for informational purposes only. The benefits listed, and the descriptions thereof, do not represent the full terms and conditions applicable for usage and may only be offered in some memberships. Premiums vary depending on the benefits selected. Commercial Air and Worldwide coverage are not available in all territories. For a complete list of benefits, premiums, and full terms and conditions please refer to the applicable member service agreement for your territory. MASA MTS products and services are not available where prohibited. For Florida residents, Medical Air Services Association of Florida, Inc. is doing business as MASA MTS and is a prepaid limited health service organization licensed under Chapter 636, Florida Statutes, license number: 65-0265219 operating in Florida at 1250 S. Pine Island Road, Suite 500, Plantation, FL 33324. MASA Global, MASA MTS and MASA TRS are registered trade names of Medical Air Services Association, Inc., an Oklahoma corporation. VER: EPPSLAVS1.050521 15

PLATINUM MEMBERSHIP BENEFITS Emergent Air Transportation Return Transportation In the event of a serious medical emergency, Members have In the event a Member is hospitalized more than access to emergency air transportation into a 100-miles away from home for more than 24-hours, medical facility or between medical facilities. Member has access to return transportation, upon their release, to the commercial airport nearest their home. Emergent Ground Transportation In the event of a serious medical emergency, Members have Mortal Remains Transportation access to emergency ground transportation into a medical If you or a family member dies more than 100-miles from facility or between medical facilities. home, MASA shall pay (on behalf of the Member’s estate) the airway bill associated with the return of the Member’s Non-Emergency Inter-Facility Transportation mortal remains. In the event that a member is in stable condition in a medical facility but requires a heightened level of care Minor Return that is not available at their current medical facility, Members Suppose you require the use of one or more of the have access to non-emergency air or ground transportation transportation benefits and, as a result of your need, a between medical facilities. minor child (who is in your custody) is left unattended. Even if this occurs, the minor child will be covered for Repatriation/Recuperation return transportation (by commercial airline) to the Suppose you or a family member is hospitalized commercial airport nearest the child’s home. more than 100-miles from your home. In that case, you have benefit coverage for air or ground medical Organ Retrieval/Organ Transportation transportation into a medical facility closer to your home for In the event of an organ transplant procedure, MASA will recuperation. arrange for the transportation of you or the transplant organ to the transplant site. Escort Transportation If you or a family member requires medical Vehicle Return transportation, you may elect to have a family member or Suppose you use one or more of the member friend accompany you during the medical transport. This transportation benefits. As a result of using the benefit, benefit is limited to space availability within the vehicle, you may elect to have MASA transport your ground giving due priority to medical personnel and equipment. vehicle to your home or rental return location. Visitor Transportation Pet Return If you or a family member is hospitalized more than If you use one or more of the member transportation 100-miles away from home for more than 7-days benefits while with your pet, you may elect to have MASA (consecutively), you may elect to have a family member or MTS transport your pet home. friend transported (by commercial airline) to be present while you recover. Worldwide Coverage Contingent on a 10-day prior notice to MASA MTS of Employee Only Coverage: your travel plans, you have coverage for worldwide non- emergent air transportation, repatriation/recuperation, $12.09 /SEMI-MONTHLY return transportation, escort transportation, visitor transportation, and mortal remains transportation. Family Coverage: Coverage is limited to 90 days or less of travel. $16.25 /SEMI-MONTHLY Contact Your MASA MTS Representative, Combined Benefits Group to learn more about membership plan options. mybenefitshub.com/citruscountysb 800.749.6458 The information provided in this product sheet is for informational purposes only. The benefits listed, and the descriptions thereof, do not represent the full terms and conditions applicable for usage and may only be offered in some memberships. Premiums vary depending on the benefits selected. Commercial Air and Worldwide coverage are not available in all territories. For a complete list of benefits, premiums, and full terms and conditions please refer to the applicable member service agreement for your territory. MASA MTS products and services are not available where prohibited. For Florida residents, Medical Air Services Association of Florida, Inc. is doing business as MASA MTS and is a prepaid limited health service organization licensed under Chapter 636, Florida Statutes, license number: 65-0265219 operating in Florida at 1250 S. Pine Island Road, Suite 500, Plantation, FL 33324. MASA Global, MASA MTS and MASA TRS are registered trade names of Medical Air Services Association, Inc., an Oklahoma corporation. VER: PMPSLAVS1.050521 16

17

Keep you and your family healthy for just $5.00 per pay period. 18

Teladoc Enjoy On-Demand Healthcare with 24/7 Access to Doctors by Phone What Teladoc Does for You ▶ Doctors offer a diagnosis, treatment ▶ If you are caring for an aging parent options, and prescription, if medically or loved one, you can provide necessary them access to $45 visits ▶ Treatment for common medical issues ▶ U.S. board-certified doctors such as colds, flu, poison ivy, respiratory with an average 20 years infections, bronchitis, pink eye, sinus practice experience problems, allergies, urinary tract infections and ear infections ▶ Upon request, Teladoc can share visit information ▶ Visits for all ages — from children to with your doctor seniors ▶ Includes spouse and dependents Avoid the waiting room — Teladoc doctors respond in 10 minutes on average My Benefits Work Mobile App | 800.800.7616 | MyBenefitsWork.com ©2019 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are registered trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, non-therapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services. 19 20200511

Health Advocate™ Solutions Experts Help You Navigate Healthcare and Negotiate Medical Bills Health Advocate Solutions gives you access to: ▶ Health Advocacy ▶ NurseLine™ • You’ll be connected to a Personal Health • Highly trained registered nurses are on-call 24/7 to answer your questions for non-urgent Advocate who can help: concerns » Untangle medical bills and insurance claims • Nurses can offer self-care tips, direct you to the » Locate doctors, specialists, hospitals, appropriate care for immediate attention, or tell you how to ease common problems such as a dentists, and pharmacies sore shoulder » Clarify benefits and answer questions about • Respond to most requests by the next business tests, treatments, and medications day » Coordinate care among multiple providers » Assist with eldercare and related healthcare • Have passed rigorous credentialing and completed extensive training issues » Arrange second opinions » Transfer medical records » Provide information about generic drug options ▶ Medical Bill Saver™ • Experts who know the ins and outs of billing In-network healthcare prices vary practices will attempt to negotiate discounts on by 300% or more. your behalf, possibly leading to a reduction in your costs • Receive an easy-to-read personal Savings Results Statement summarizing the outcome and payment terms for successful negotiations My Benefits Work Mobile App | 800.800.7616 | MyBenefitsWork.com The Health Advocacy program is not health insurance. Health Advocacy provides administrative, informational and referral type services, through its employees. Health Advocacy does not provide medical services and does not recommend treatment. Independent healthcare practitioners, who are not Health Advocacy’s employees or agents, provide all medical services. 20 20200513

HI-4005 Limited Benefit Hospital Indemnity Insurance HI-4005 APSB-22044(FL)-0414 21

HOSPITAL INDEMNITY Summary of Benefits by Plan* Benefit Description Available Options Daily Hospital Confinement Benefit $30 per day Optional Benefit Riders Available Options Annual First Occurrence Hospital Rider $1,500, $2,500 or $3,000 per calendar year Policy Benefit Highlights Annual First Occurrence Hospital Rider Daily Hospital Confinement Benefit Pays an indemnity benefit for You or Your covered Dependent’s First Occurrence Hospital Confinement. The Hospital Confinement must be Pays a daily indemnity benefit for each day the Insured Person is due to a covered Injury or Sickness; begin while this rider is in force confined at the direction of or under the supervision of a Physician for for the person confined; and be at the direction of and under the at least 24 hours as an Inpatient to a Hospital for a covered Injury or supervision of a Physician. covered Sickness for each Period of Confinement. The maximum benefit First Occurrence Hospital Confinement means the first time You or period for this benefit is 180 days for any one Period of Confinement. Your covered Dependent is confined as an inpatient to a Hospital in a An Accident or Injury is a sudden, unexpected and unintended injury Calendar Year for a period of confinement for which benefits are payable which is caused directly by an Accident; is independent of any Sickness under the policy/certificate to which this rider is attached. or disease; over which the Insured Person has no control; and takes place while the Insured Person’s coverage is in force. Refer to Limitation and Exclusions section for benefit rider day(s), visit and testing limits. *The premium and Inpatient means confinement in a Hospital for at least 24 continuous amount of benefits vary dependent upon Plan selected at time of application. hours in duration. Sickness means an illness or disease which first manifests itself after coverage becomes effective for the Insured Person. Sickness includes pregnancy or complications of pregnancy. 22

Limitations and Exclusions Eligibility Renewability This policy/certificate will be issued to those persons who meet American This policy/certificate is optionally renewable. This means that We have Public Life Insurance Company’s insurability requirements. Evidence of the right to terminate your policy/certificate on any premium due insurability acceptable to Us may be required. date after the first Policyholder’s Anniversary Date. We must give the If You are working either under contract to or as an employee of the Policyholder at least 60 days written notice prior to cancellation. We Policyholder, or are a member in or employed by the association, if the cannot cancel Your coverage because of change in Your age or health. Policy is issued to an association, You are eligible for insurance provided We can change Your premiums if We change premiums for all similar You qualify for coverage as defined in the Master Application and are Certificates issued to the Policyholder. We must give the Policyholder at Actively at Work on Your effective date of coverage. least 60 days written notice before We change Your premiums. Actively At Work means the person is performing the normal duties of We do not cover hospital confinements or other losses in the Policy or his/her principal occupation, at his/her usual place of business, on a Riders attached thereto: full time basis (at least 18 hours per week). A person is deemed to be (a) due to hernia, adenoids, tonsils, varicose veins, appendix, disorder Actively at Work on each day of regular paid vacation during which he/ she is not totally disabled, provided he/she was Actively at Work on the of the reproduction organs or elective sterilization within six last preceding working day. months after the Insured Person's Effective Date unless due to an emergency; Base Policy and Riders (b) for an Injury or Sickness paid under Workers Compensation, an Employers Liability Law, benefits provided by the Federal Employee No benefits are payable for the first twelve (12) months as a result of a Liability Act or similar law; Pre-Existing Condition. A Pre-Existing Condition means a disease, or (c) for an Injury or Sickness due to war or act of war, whether declared physical condition for which the Insured Person had treatment; incurred or undeclared; expense; took medication; or received a diagnosis or advice from a (d) for injuries that are intentionally self-inflicted; Physician; during the twelve (12) month period of time immediately (e) for an Injury or Sickness incurred while committing or attempting before the Effective Date of the Insured Person's coverage. The term “Pre- to commit a felony; Existing Condition” will also include conditions that are related to such (f ) for an Injury or Sickness incurred while engaging in an illegal disease or physical condition. Pre-Existing Conditions specifically named occupation; or described as permanently excluded in any part of this contract are never covered. Pre-Existing Conditions specifically named or described as excluded for a limited time will be covered after the excluded period expires. All benefits payable only up to the maximum benefit listed on the Policy/Certificate Schedule in the policy. Routine follow up care to determine whether a breast cancer has recurred in a person who has been previously determined to be free of breast cancer does not constitute medical advice, diagnosis, care, or treatment for the purposes of determining pre-existing conditions unless evidence of breast cancer is found during or as a result of the follow up care. Period of Confinement means continuous confinement in a Hospital. Periods of Confinement for the same or a related cause, which are separated by less than 90 days, will be considered the same Period of Confinement. Each Period of Confinement must begin while coverage is in force for the Insured Person confined. Daily Hospital Confinement Benefit Benefits payable will not exceed the Maximum Total Benefit of 180 Days for any one Period of Confinement, unless such confinement is due to a Mental or Emotional Disorder. If confinement is due to a Mental or Emotional Disorder, benefits payable will not exceed the Maximum Total Benefit of 30 days for any one Period of Confinement. The Hospital Confinement must begin while this policy/certificate is in force for the Insured Person. The Daily Benefit is shown in the Policy Schedule. A Hospital is not an institution used as a place for rest, or for the aged; a nursing or convalescent home; a long term nursing unit or geriatrics ward; or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. Annual First Occurrence Hospital Rider The Benefit for this rider is payable one time each Calendar year for You and each of Your covered Dependents. The first day of confinement must be in the Calendar Year for which the benefit amount is payable. All Riders are subject to all the Provisions, Conditions, Limitations and Exclusions of the Policy to which it is attached, ch are not in conflict with those of the Rider. 23

Limitations and Exclusions continued Termination of Coverage Termination of Certificate (g) for cosmetic care, except when the Hospital confinement is due to medically necessary reconstructive plastic surgery. Medically Your Insurance coverage will end on the earliest of these dates: the necessary reconstructive plastic surgery is defined as: date You no longer qualify as an Insured; the last day of the period for 1. surgery to restore a normal bodily function. which a premium has been paid, subject to the Grace Period; the date 2. surgery to improve functional impairment by anatomic the Policy terminates; the date You retire; the date You cease to be alteration made necessary as a result of a congenital on Actively at Work, as defined in the Policy/Certificate; the date You birth defect. cease employment, or terminate Your contract with the employer through whom You originally became insured under the Policy; or (h) which are primary for rest care, convalescent care or for the date We receive Your written request for termination. rehabilitation; Termination of Dependent(s) (i) due to being intoxicated. (Intoxication means that which is determined and defined by the laws and jurisdiction of the Insurance coverage on Your Dependent will end on the earliest of geographical area in which the loss or cause of loss was incurred); these dates: the date the coverage under the Certificate terminates; the date the Dependent no longer meets the definition of Eligible (j) for Injury sustained or Sickness, which manifests itself while on Dependent, as defined in the Policy/Certificate; the date the Policy full-time duty in the armed forces. Upon notice, We will refund is modified so as to exclude Dependent coverage; or the date We the proportion of unearned premium paid while in such forces; receive Your written request for termination. We may end the coverage of any Insured Person who submits a (k) for treatment of alcoholism or drug addiction; fraudulent claim. (l) which are rendered outside the United States, its possessions, or Canada, except for emergency care for acute onset of Sickness or accidental Injury sustained while traveling for business or pleasure; (m) for which payment is not legally required, except for: 1. Medicaid; 2. treatment of non-service connected disabilities in Veteran Administration hospitals; and, 3. inpatient care rendered to armed services retirees and dependents in military medical facilities of the United States Government; nor, (n) Pre-Existing Conditions, unless the Insured Person has satisfied the Pre-Existing Condition Exclusion Period shown in the Schedule. Underwritten by: 2305 Lakeland Drive | Flowood, MS | 39232 ampublic.com | 800.256.8606 This is a brief description of the coverage. For actual benefits and other provisions, please refer to the policy/certificate. This coverage does not replace Workers’Compensation Insurance. This product is inappropriate for people who are eligible for Medicaid coverage. | This policy is considered an employee welfare benefit plan established and/or maintained by an association or employer intended to be covered by ERISA, and will be administered and enforced under ERISA. Group policies issued to governmental entities and municipalities may be exempt from ERISA guidelines. | Policy Form HI-4005 series | Florida | Limited Benefit Hospital Indemnity Insurance | (04/14) 24

Citrus County School Board Dental Highlight Sheet – Policy # 32352 BASIC PLAN - Dental Highlights Effective Date: 1/1/2022 Coinsurance 100% Type 1 80% Type 2 N/A Type 3 $50/Calendar Year Type 2 Deductible Waived Type 1 3 Family Maximum Maximum (per person) $750 per calendar year Allowance 80th U&C Waiting Period None Sample Procedure Listing (Current Dental Terminology © American Dental Association.) Type 1 Type 2 Routine Exam Full Mouth/Panoramic X-rays (2 per benefit period) (1 in 3 years) Bitewing X-rays Sealants (age 16 and under) (2 per benefit period) Restorative Amalgams Periapical X-rays Restorative Composites Cleaning Simple Extractions (2 per benefit period) Complex Extractions Fluoride for Children 18 and under Anesthesia (1 per benefit period) Space Maintainers Dental Rewards® This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. In addition, a person earning dental rewards who submits a claim for services received through the dental PPO network earns an extra reward, called the PPO Bonus. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year. Benefit Threshold $250 Dental benefits received for the year cannot exceed this amount Annual Carryover Amount $125 Annual PPO Bonus Dental Rewards amount is added to the following year's maximum Maximum Carryover $50 $500 Additional bonus is earned if the member sees a PPO provider Maximum possible accumulation for Dental Rewards and PPO Bonus combined Employee Only (EE) Rates Per Pay Period (24) EE + 1 Dependent $10.72 EE + 2 or more Dependents $20.44 $36.46 Ameritas Information We're Here to Help This plan was designed specifically for the associates of Citrus County School Board. At Ameritas Group, we do more than provide coverage - we make sure there's always a friendly voice to explain your benefits, listen to your concerns, and answer your questions. Our customer relations associates will be pleased to assist you 7 a.m. to midnight (Central Time) Monday through Thursday, and 7 a.m. to 6:30 p.m. on Friday. You can speak to them by calling toll-free: 800-487-5553. For plan information any time, access our automated voice response system or go online to ameritasgroup.com/member. 25

Citrus County School Board Dental Highlight Sheet – Policy # 32352 Rx Savings Our valued plan members and their covered dependents (even their pets) can save on prescription medications through any Walmart or Sam's Club pharmacy across the nation. This Rx discount is offered at no additional cost, and it is not insurance. To receive the Walmart Rx discount, Ameritas plan members just need to visit us at ameritasgroup.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card. Eyewear Savings Ameritas plan members may receive up to 15% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide. Members may also bring in their current vision prescription from any vision care provider and purchase eyewear at Walmart. This savings arrangement is not insurance: it is available to members at no additional cost to their plan premium. To receive the eyewear savings identification card, Ameritas plan members can visit ameritasgroup.com and sign-in (or create) a secure member account. Members must present the Ameritas Eyewear Savings Card at time of purchase to receive the discount. PPO Information To find a provider, visit ameritasgroup.com and select FIND A PROVIDER, then DENTAL. Enter your criteria to search by location or for a specific dentist or practice. California Residents: When prompted to select your network, choose PPO Dental Network. Pretreatment While we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed. Open Enrollment If a member does not elect to participate when initially eligible, the member may elect to participate at the policyholder's next enrollment period. This enrollment period will be held each year and those who elect to participate in this policy at that time will have their insurance become effective on January 1. Late Entrant Provision We strongly encourage you to sign up for coverage when you are initially eligible. If you choose not to sign up during this initial enrollment period, you will become a late entrant. Late entrants will be eligible for only exams, cleanings, and fluoride applications for the first 12 months they are covered. Language Services We recognize the importance of communicating with our growing number of multilingual customers. That is why we offer a language assistance program that gives you access to: Spanish-speaking claims contact center representatives, telephone interpretation services in a wide range of languages, online PPO dental network provider search in Spanish and a variety of Spanish documents such as enrollment forms, claim forms and certificates of insurance. This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator. 26

Citrus County School Board Dental Highlight Sheet – Policy # 32352 SELECT PLAN - Dental Highlights Effective Date: 1/1/2022 Coinsurance 100% Type 1 80% Type 2 50% Type 3 $50/Calendar Year Type 2 & 3 Deductible Waived Type 1 3 Family Maximum Maximum (per person) $1,250 per calendar year Allowance 80th U&C Waiting Period Type 3 – 12 Months Orthodontia Summary - Adult and Child Coverage U&C 50% Allowance $1,000 Coinsurance 12 months Lifetime Maximum (per person) Waiting Period Sample Procedure Listing (Current Dental Terminology © American Dental Association.) Type 1 Type 2 Type 3 Onlays Routine Exam Full Mouth/Panoramic X-rays Crowns (1 in 5 years per tooth) (2 per benefit period) (1 in 3 years) Crown Repair Endodontics (nonsurgical) Bitewing X-rays Periapical X-rays Endodontics (surgical) Periodontics (nonsurgical) (2 per benefit period) Sealants (age 16 and under) Periodontics (surgical) Denture Repair Cleaning Restorative Amalgams Prosthodontics (fixed bridge; removable complete/partial dentures) (2 per benefit period) Restorative Composites (1 in 5 years) Fluoride for Children 18 and under Simple Extractions (1 per benefit period) Complex Extractions Space Maintainers Anesthesia Dental Rewards® This dental plan includes a valuable feature that allows qualifying plan members to carryover part of their unused annual maximum. A member earns dental rewards by submitting at least one claim for dental expenses incurred during the benefit year, while staying at or under the threshold amount for benefits received for that year. In addition, a person earning dental rewards who submits a claim for services received through the dental PPO network earns an extra reward, called the PPO Bonus. Employees and their covered dependents may accumulate rewards up to the stated maximum carryover amount, and then use those rewards for any covered dental procedures subject to applicable coinsurance and plan provisions. If a plan member doesn't submit a dental claim during a benefit year, all accumulated rewards are lost. But he or she can begin earning rewards again the very next year. Benefit Threshold $500 Dental benefits received for the year cannot exceed this amount Annual Carryover Amount $250 Annual PPO Bonus $100 Dental Rewards amount is added to the following year's maximum Maximum Carryover $1,000 Additional bonus is earned if the member sees a PPO provider Maximum possible accumulation for Dental Rewards and PPO Bonus combined Employee Only (EE) Rates Per Pay Period (24) EE + 1 Dependent $18.84 EE + 2 or more Dependents $35.62 $61.88 27

Citrus County School Board Dental Highlight Sheet – Policy # 32352 Ameritas Information We're Here to Help This plan was designed specifically for the associates of Citrus County School Board. At Ameritas Group, we do more than provide coverage - we make sure there's always a friendly voice to explain your benefits, listen to your concerns, and answer your questions. Our customer relations associates will be pleased to assist you 7 a.m. to midnight (Central Time) Monday through Thursday, and 7 a.m. to 6:30 p.m. on Friday. You can speak to them by calling toll-free: 800-487-5553. For plan information any time, access our automated voice response system or go online to ameritasgroup.com/member. Rx Savings Our valued plan members and their covered dependents (even their pets) can save on prescription medications through any Walmart or Sam's Club pharmacy across the nation. This Rx discount is offered at no additional cost, and it is not insurance. To receive the Walmart Rx discount, Ameritas plan members just need to visit us at ameritasgroup.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card. Eyewear Savings Ameritas plan members may receive up to 15% off eyewear frames and lenses purchased at any Walmart Vision Center nationwide. Members may also bring in their current vision prescription from any vision care provider and purchase eyewear at Walmart. This savings arrangement is not insurance: it is available to members at no additional cost to their plan premium. To receive the eyewear savings identification card, Ameritas plan members can visit ameritasgroup.com and sign-in (or create) a secure member account. Members must present the Ameritas Eyewear Savings Card at time of purchase to receive the discount. Type 3 Waiting Period Plan members become eligible for Type 3 benefits after a 12-month waiting period from the date they are enrolled in the plan. Orthodontia Waiting Period Plan members become eligible for orthodontia benefits after a 12-month waiting period from the date they are enrolled in the plan. PPO Information To find a provider, visit ameritasgroup.com and select FIND A PROVIDER, then DENTAL. Enter your criteria to search by location or for a specific dentist or practice. California Residents: When prompted to select your network, choose PPO Dental Network. Pretreatment While we don't require a pretreatment authorization form for any procedure, we recommend them for any dental work you consider expensive. As a smart consumer, it's best for you to know your share of the cost up front. Simply ask your dentist to submit the information for a pretreatment estimate to our customer relations department. We'll inform both you and your dentist of the exact amount your insurance will cover and the amount that you will be responsible for. That way, there won't be any surprises once the work has been completed. Open Enrollment If a member does not elect to participate when initially eligible, the member may elect to participate at the policyholder's next enrollment period. This enrollment period will be held each year and those who elect to participate in this policy at that time will have their insurance become effective on January 1. Late Entrant Provision We strongly encourage you to sign up for coverage when you are initially eligible. If you choose not to sign up during this initial enrollment period, you will become a late entrant. Late entrants will be eligible for only exams, cleanings, and fluoride applications for the first 12 months they are covered. Language Services We recognize the importance of communicating with our growing number of multilingual customers. That is why we offer a language assistance program that gives you access to: Spanish-speaking claims contact center representatives, telephone interpretation services in a wide range of languages, online PPO dental network provider search in Spanish and a variety of Spanish documents such as enrollment forms, claim forms and certificates of insurance. This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator. 28

Citrus County School Board Eye Care Highlight Sheet Focus® Plan Highlights Effective Date: 1/1/2022 VSP Choice Network + Affiliates Out of Network Deductibles $10 Exam $10 Eye Glass Lenses or Frames $10 Exam Up to $45 $10 Eye Glass Lenses or Frames* Up to $30 Annual Eye Exam Covered in full Up to $50 Up to $65 Lenses (per pair) Up to $100 Single Vision Covered in full NA Bifocal Covered in full No benefit Trifocal Covered in full Up to $105 Up to $210 Lenticular Covered in full Up to $70 Progressive See lens options 12/12/24 Based on date of service Contacts Included Fit & Follow Up Exams 15% discount Year 3 See Additional Focus Features. $700 ($350 per eye) Elective Up to $130 Medically Necessary Covered in full Frames $130** Frequencies (months) Exam/Lens/Frame 12/12/24 LASIK Advantage Based on date of service Included *Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco allowance will be the wholesale equivalent. LASIK Advantage Benefits Year 1 Year 2 $350 ($175 per eye) $350 ($175 per eye) Lens Options (member cost)* VSP Choice Network + Affiliates Out of Network Up to Lined Bifocal allowance. (Other than Costco) No benefit Progressive Lenses Up to provider’s contracted fee for Lined Bifocal No benefit No benefit Lenses. The patient is responsible for the No benefit No benefit difference between the base lens and the No benefit No benefit Progressive Lens charge. Std. Polycarbonate Covered in full for dependent children $33 adults Solid Plastic Dye $15 (except Pink I & II) Plastic Gradient Dye $17 Photochromatic Lenses $31-$82 (Glass & Plastic) Scratch Resistant Coating $17-$33 Anti-Reflective Coating $43-$85 Ultraviolet Coating $16 *Lens Option member costs vary by prescription, option chosen and retail locations. Employee Only (EE) Rates Per Pay Period (Based on 24 Pay Periods) EE + Family $ 4.80 $13.53 29

Citrus County School Board Eye Care Highlight Sheet Additional Focus® Choice Network Features Contact Lenses Elective Allowance includes fitting, exam and lenses. The cost of the fitting and evaluation is deducted from the contact allowance. Allowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu of glasses. Additional Glasses 20% discount off the retail price on additional pairs of prescription glasses (complete pair). Frame Discount VSP offers a 20% discount off the remaining balance in excess of the frame allowance. Laser VisionCare VSP offers an average discount of 15% on LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure. Low Vision With prior authorization, 75% of approved amount (up to $1,000 is covered every two years). LASIK Advantage - Covered Procedures and Benefits • LASIK • LASIK with Wavefront Technology • Photorefractive Keratectomy (PRK) • Advanced Surface Ablation (ASA) • LASEK • The minimum age to receive LASIK Advantage benefits is 18. There is no maximum age. • If members enroll after the initial enrollment period has ended, they will be considered a late entrant. • Late entrants need to wait 12 months from the date they enroll to be eligible for coverage, then coverage will begin at the year 1 benefit. Rx Savings Our valued plan members and their covered dependents (even their pets) can save on prescription medications through any Walmart or Sam's Club pharmacy across the nation. This Rx discount is offered at no additional cost, and it is not insurance. To receive the Walmart Rx discount, Ameritas plan members just need to visit us at ameritasgroup.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card. Retail Chain Affiliate Providers Available With Focus Plans Effective January 1, 2012, retail chain affiliate providers, which include Costco® Optical and Visionworks, give members added convenience and additional retail choices. Costco Optical has 400 locations across the country, while Visionworks manages nearly 400 optical stores in 37 states and DC, including well-known stores such as EyeMasters, Visionworks, Dr. Bizer’s VisionWorld, Eye DRx, and Hour Eyes, to name a few. Members enjoy a covered-in-full benefit experience with equivalent frame benefit at any of these retail chain locations. Eye Care Plan Member Service Focus eye care from Ameritas Group features the money-saving eye care network of VSP. Customer service is available to plan members through VSP's well-trained and helpful service representatives. Call or go online to locate the nearest VSP network provider, view plan benefit information and more. VSP Call Center: 1-800-877-7195 Service representative hours: 5 a.m. to 7 p.m. PST Monday through Friday, 6 a.m. to 2:30 p.m. PST Saturday Interactive Voice Response available 24/7 Locate a VSP provider at: ameritasgroup.com/member View plan benefit information at: vsp.com This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator. 30

EMPLOYEE BENEFITS THE NEED FOR DISABILITY INSURANCE Protect your paycheck You insure your home, car and other valuable Let’s figure it out possessions, so why not also protect what pays for all those things? Your income. Without it, think about Everyone’s circumstances are different. This how your mortgage/rent, groceries or credit card bills calculator can help you figure out how much you need would get paid. That’s where disability insurance to protect your lifestyle and the lifestyles of those you can help. love if you become disabled. A disability can happen to anyone at any time and it Estimate your essential monthly expenses can last for a short or long period of time. Purchasing disability insurance through your workplace is a way Living expenses Amount to replace a portion of your pre-disability earnings if you get sick or hurt and are unable to work. Being Monthly housing (e.g., mortgage, rent, prepared can help ease the financial burden for you. insurance, taxes) Things to think about Utilities (e.g., telephone, electricity, gas, oil, A severe injury or illness can leave you unable to work cable, TV, Internet) for years. Workers’ compensation only covers injuries that happen on the job and, to qualify for coverage, Food you must meet certain eligibility requirements. Additionally, medical insurance will only help cover Transportation (e.g., car payments, gasoline, your medical costs. insurance) You might be able to dip into savings or borrow money Subtotal = from loved ones, but if you don’t have these options, can you really afford not to have disability insurance? Debt expenses Protect yourself and your income with disability Education (e.g., tuition, books, supplies) insurance. Health care (e.g., out-of-pocket costs, insurance Disability insurance can provide premiums) you with the income protection you need. Consider purchasing it today. Debt payments (e.g., credit cards, other debt) Subtotal = Other expenses Dependent care Life insurance premiums Subtotal = Minimum monthly amount to cover $ with disability insurance G-27786 Note: Products issues and underwritten by American United Life Insurance Company® (AUL), Indianapolis, IN, a OneAmerica company. © 2016 OneAmerica Financial Partners, Inc. All rights reserved. ONEAMERICA® IS THE MARKETING NAME FOR THE COMPANIES OF ONEAMERICA | ONEAMERICA.COM 31 G-27786 03/17/16

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What you need to know about your One Lump Sum Disability Benefits About Your Benefit It is a single, one-time benefit amount payable to you if you become permanently and totally disabled according to the provisions of the contract. Guaranteed Issue: $30,000 Elimination Period: This is a period of consecutive days of disability before benefits may become payable under the contract. Benefit Eligibility Period: This is the period of consecutive days of disability beginning the first day following the elimination period. Pre-Existing Condition Period: Certain disabilities are not covered if the cause of the disability is traceable to a condition existing prior to your effective date of coverage. Reduction Schedule: Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule. Age: 70 Reduces To: 50% One Lump Sum Disability You may select a minimum benefit of $10,000 up to a maximum amount of $30,000, in increments of $10,000. Elimination Period Benefit Eligibility Period Pre-Existing Condition Period 90 days 24 months 3 months / 12 months Payroll Deduction Illustration: 2 Times Per Month Lump Sum 0-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+ Options $.30 $.30 $.40 $.60 $.95 $1.50 $2.40 $3.80 $5.70 $10.40 $10.40 $10.40 $10.40 $10,000 $.60 $.60 $.80 $1.20 $1.90 $3.00 $4.80 $7.60 $11.40 $20.80 $20.80 $20.80 $20.80 $20,000 $.90 $.90 $1.20 $1.80 $2.85 $4.50 $7.20 $11.40 $17.10 $31.20 $31.20 $31.20 $31.20 $30,000 Note: Premiums are based on your age as of 01/01. OneAmerica® is the marketing name for the companies of OneAmerica. G 00616448-0000-000 Citrus County School Board Class: 1 34

yliofue icnasnurkaeenpc!e purelife-plus Life insurance can be an ideal way to provide money for your family when they need it most. purelife-plus offers permanent insurance with a high death benefit and long guarantees1 that can provide financial peace of mind for you and your loved ones. purelife-plus is an ideal complement to any group term and optional term life insurance your employer might provide and has the following features: You own it You can take it You pay for it with you when you through convenient change jobs or retire payroll deductions You can cover your You can get a living It’s Affordable spouse, children and benefit if you become grandchildren, too2 terminally ill3 3 QQUUEICSKTIONS You can qualify by answering just 3 questions – no exams or needles. DURING THE LAST SIX MONTHS, HAS THE PROPOSED INSURED: 1 Been actively at work on a full time 3 Been disabled or received tests, treatment basis, performing usual duties? or care of any kind in a hospital or nursing home or received chemotherapy, 2 Been absent from work due to illness or hormonal therapy for cancer, radiation, medical treatment for a period of more dialysis treatment, or treatment for than 5 consecutive working days? alcohol or drug abuse? 1. After the guarantee period, premiums may go down, stay the same or go up. 2. Coverage not available on children in WA or on grandchildren in WA or MD. In MD, children must reside with the applicant to be eligible for coverage. 3. Conditions apply. Flexible Premium Adjustable Life Insurance to age 121. Policy Form ICC18- PRFNG-NI-18 or Form Series PRFNG-NI-18. Some limitations apply. See the PureLife-plus brochure for details. Texas Life is licensed to do business in the District of Columbia and every state but New York. 19M016-C 1092 (exp0321) 35

Portable, Permanent, Individual Life Insurance for Employees and Their Families As an employee, you can apply for valuable life insurance protection on you and your family under eligibility guidelines established for your employer. Your employer has conveniently agreed to permit you to pay premiums through payroll deduction. This is a summary only. Policy provisions prevail. This brochure is not a contract or an offer to contract. Minimal Cash Values Buy this policy for its life insurance pro- Individual and Family Coverage is Easy to Apply For Subject to age tection, not its cash value. The primary benefit is life insurance. and amount restrictions, you may apply for an individual policy Payment of the Table Premium produces a small cash value (Bench- on your life or your spouse’s life (see chart next page for spouse’s mark Cash Value). minimum/maximum amounts). An individual policy for $25,000 is also available on each of your children ages 15 days — 26, and Permanent Life Insurance Coverage Unlike group term life insur- even on each of your grandchildren ages 15 days — 18. Proof of ance, PureLife-plus is a personally owned, permanent individual life insurability is required. Most policies are issued based upon the insurance policy to age 121 that can never be canceled or reduced answers to three work and health related application questions. as long as you pay the necessary premiums, even if your health changes. texas life is the oldest legal reserve life insurance Guaranteed Period Continuous, timely, and uninterrupted pay- company domiciled in Texas, established in 1901. ment of the Table Premium guarantees coverage for the Guaranteed Period shown. Texas Life (We) cannot legally predict the premium Interim Insurance: Interim insurance will be in force on the applica- required to continue coverage after the Guaranteed Period. It may tion date if these conditions are met: (1) the insurance is purchased be lower, the same, or higher than the Table Premium. However, if through payroll deduction; (2) the Salary Deduction Authorization is the premium to continue coverage is ever higher, We guarantee a signed; and, (3) the proposed insured is insurable at standard rates limited right to a partial refund of premium (described below). under Our rules and usual practice. Interim insurance remains in effect until the earlier of: (a) the Policy Date; (b) the date We Guaranteed Limited Right to Partial Refund of Premium If a pre- decline the application; (c) the date We notify the applicant that mium higher than the Table Premium is ever required to continue s/he is ineligible for interim insurance; or, (d) the 180th day after coverage after the Guaranteed Period, you have the choice to: the application date. a. Pay the higher premium(s) required to continue coverage; or, Policy Mechanics and Other Important Details Premiums are flexi- b. Surrender the policy and receive a partial refund of premium ble. However, we highly recommend payment of the Table Premium during the Guaranteed Period, and no partial surrenders or policy equal to 120 times the minimum monthly premium due at loans. Table Premium produces a small cash value (Benchmark issue (ten years worth of Table Premium). You are eligible Cash Value). Paying a lesser premium results in an actual cash for this refund if the actual cash value equals or exceeds the value which is less than Benchmark Cash Value, causing the policy Benchmark Cash Value and you have taken no prior partial to lapse. Premiums less a premium load create cash value to pay surrenders. monthly administrative loads and cost of insurance. Cash value is currently credited at the guaranteed interest rate of 3.00% per year. Portable Once issued, continued employment is not a condition We may, at any time, credit higher than the guaranteed interest to continue coverage. Coverage is guaranteed as long as required rate. Likewise, We may charge cost of insurance rates which are less premiums are paid, even after you retire or terminate employment. than the policy’s maximum rates, but only when actual cash value When employment ends, you can pay equivalent monthly premi- equals or exceeds Benchmark Cash Value. No surrender charges ums directly or by bank draft (for monthly direct payments we add apply. Loads include 10.00% of premium, $2.03 per month and a monthly fee not to exceed $2.00). Other modes are available. monthly administrative loads. Two year suicide and contestable clauses apply. The policy loan rate is 7.40% in advance. Surrenders Accelerated Death Benefit Due to Terminal Illness Rider This policy and loans may be deferred for up to six months. includes, at no additional premium, an Accelerated Death Benefit Due to Terminal Illness Rider (Form ICC07-ULABR-07). See details on next page. Form: 18M049-ICC EXP-A-M-1LO 36

monthly p r e m i u m s PureLife-plus — Standard Risk Table Premiums — Non-Tobacco — Express Issue Monthly Premiums for Life Insurance Face Amounts Shown GUARANTEED PERIOD Age to Which Issue Non-Tobacco Coverage is Age Guaranteed at (ALB) $10,000 $15,000 $25,000 $40,000 $50,000 $75,000 $100,000 $125,000 $150,000 Table Premium 15D-1 9.25 81 9.25 10.05 9.50 15.05 18.25 26.25 34.25 42.25 50.25 80 2-4 9.95 10.35 9.75 15.45 18.75 27.00 35.25 43.50 51.75 79 5-8 10.75 10.80 10.00 15.85 19.25 27.75 36.25 44.75 53.25 79 9-10 11.45 11.25 10.25 16.25 19.75 28.50 37.25 46.00 54.75 77 11-16 12.15 12.00 10.25 17.05 20.75 30.00 39.25 48.50 57.75 75 17-20 12.85 12.75 10.50 17.45 21.25 30.75 40.25 49.75 59.25 74 21-22 13.65 13.80 10.75 17.85 21.75 31.50 41.25 51.00 60.75 75 23 14.35 15.00 11.00 18.25 22.25 32.25 42.25 52.25 62.25 74 24-25 15.05 16.05 11.50 19.45 23.75 34.50 45.25 56.00 66.75 75 26 15.95 17.10 11.75 20.25 24.75 36.00 47.25 58.50 69.75 74 27-28 16.95 18.15 12.00 21.45 26.25 38.25 50.25 62.25 74.25 74 29 18.15 19.35 12.25 23.05 28.25 41.25 54.25 67.25 80.25 73 30-31 19.45 20.40 13.00 23.85 29.25 42.75 56.25 69.75 83.25 74 32 20.45 21.45 13.50 25.05 30.75 45.00 59.25 73.50 87.75 74 33 21.45 22.80 14.25 26.25 32.25 47.25 62.25 77.25 92.25 75 34 22.55 24.30 15.25 28.25 34.75 51.00 67.25 83.50 99.75 76 35 23.55 26.10 15.75 30.25 37.25 54.75 72.25 89.75 107.25 76 36 24.75 28.05 16.50 33.05 40.75 60.00 79.25 98.50 117.75 77 37 25.85 29.55 17.25 36.25 44.75 66.00 87.25 108.50 129.75 77 38 27.05 31.05 18.50 39.05 48.25 71.25 94.25 117.25 140.25 78 39 28.55 32.70 19.75 41.85 51.75 76.50 101.25 126.00 150.75 79 40 29.85 34.20 21.50 44.65 55.25 81.75 108.25 134.75 161.25 80 41 31.45 36.00 23.50 47.85 59.25 87.75 116.25 144.75 173.25 81 42 33.05 37.65 25.25 50.65 62.75 93.00 123.25 153.50 183.75 82 43 34.75 39.45 27.00 53.45 66.25 98.25 130.25 162.25 194.25 83 44 36.65 41.70 28.75 57.05 70.75 105.00 139.25 173.50 207.75 83 45 38.75 43.65 30.75 61.05 75.75 112.50 84 46 41.05 46.05 32.50 65.85 81.75 121.50 84 47 43.55 48.45 34.25 71.05 88.25 131.25 85 48 46.05 51.00 36.50 75.05 93.25 138.75 85 49 48.65 53.85 39.00 79.05 98.25 146.25 86 50 42.00 83.45 103.75 154.50 87 51 45.25 87.45 108.75 162.00 88 52 47.75 92.25 114.75 171.00 88 53 50.25 96.65 120.25 179.25 88 54 53.00 101.45 126.25 188.25 89 55 55.50 107.45 133.75 199.50 89 56 58.50 112.65 140.25 209.25 89 57 61.25 119.05 148.25 221.25 89 58 64.25 125.45 156.25 233.25 89 59 68.00 132.25 164.75 246.00 90 60 71.25 139.85 174.25 260.25 90 61 75.25 90 62 79.25 90 63 83.50 90 64 88.25 90 65 90 66 91 67 91 68 91 69 91 70 PureLife-plus is permanent life insurance to Attained Age 121 that can never be cancelled as long as you pay the necessary premiums. After the Guaranteed Period, the premiums can be lower, the same, or higher than the Table Premium. See the brochure under ”Permanent Coverage”. Form: 21M013-ICC EXP-A-M-1LO 37

monthly p r e m i u m s PureLife-plus — Standard Risk Table Premiums — Tobacco — Express Issue Monthly Premiums for Life Insurance Face Amounts Shown GUARANTEED PERIOD Age to Which Issue Coverage is Age Guaranteed at (ALB) $10,000 $15,000 $25,000 $40,000 $50,000 $75,000 $100,000 $125,000 $150,000 Table Premium 15D-1 81 14.15 Tobacco 15.30 15.25 23.05 28.25 41.25 54.25 67.25 80.25 80 2-4 15.05 15.75 16.00 24.25 29.75 43.50 57.25 71.00 84.75 79 5-8 16.15 16.80 16.75 25.45 31.25 45.75 60.25 74.75 89.25 79 9-10 17.55 17.25 17.25 26.25 32.25 47.25 62.25 77.25 92.25 77 11-16 18.25 18.45 17.75 27.05 33.25 48.75 64.25 79.75 95.25 71 17-20 19.25 20.10 18.25 27.85 34.25 50.25 66.25 82.25 98.25 71 21-22 20.05 21.45 18.50 28.25 34.75 51.00 67.25 83.50 99.75 72 23 21.05 23.10 21.00 32.25 39.75 58.50 77.25 96.00 114.75 71 24-25 21.95 25.20 21.75 33.45 41.25 60.75 80.25 99.75 119.25 72 26 23.25 26.25 22.00 33.85 41.75 61.50 81.25 101.00 120.75 71 27-28 24.35 27.75 22.25 34.25 42.25 62.25 82.25 102.25 122.25 71 29 25.45 28.95 24.00 37.05 45.75 67.50 89.25 111.00 132.75 72 30-31 27.05 30.45 24.75 38.25 47.25 69.75 92.25 114.75 137.25 72 32 28.45 31.80 26.50 41.05 50.75 75.00 99.25 123.50 147.75 72 33 29.75 33.75 27.25 42.25 52.25 77.25 102.25 127.25 152.25 71 34 31.15 35.40 29.25 45.45 56.25 83.25 110.25 137.25 164.25 72 35 32.75 37.05 32.00 49.85 61.75 91.50 121.25 151.00 180.75 72 36 34.35 39.45 34.25 53.45 66.25 98.25 130.25 162.25 194.25 73 37 36.05 41.55 37.00 57.85 71.75 106.50 141.25 176.00 210.75 73 38 37.75 43.50 40.50 63.45 78.75 117.00 155.25 193.50 231.75 74 39 39.55 45.60 42.25 66.25 82.25 122.25 162.25 202.25 242.25 76 40 41.85 48.00 44.75 70.25 87.25 129.75 172.25 214.75 257.25 77 41 44.05 50.40 46.75 73.45 91.25 135.75 180.25 224.75 269.25 78 42 46.25 52.95 49.25 77.45 96.25 143.25 190.25 237.25 284.25 80 43 48.45 55.50 51.50 81.05 100.75 150.00 199.25 248.50 297.75 80 44 50.85 58.20 54.75 86.25 107.25 159.75 212.25 264.75 317.25 81 45 53.45 61.65 57.50 90.65 112.75 168.00 81 46 56.25 64.95 60.25 95.05 118.25 176.25 82 47 59.15 68.25 64.25 101.45 126.25 188.25 82 48 62.25 71.55 67.75 107.05 133.25 198.75 83 49 65.55 75.15 71.00 112.25 139.75 208.50 83 50 74.50 117.85 146.75 219.00 83 51 78.50 124.25 154.75 231.00 84 52 82.50 130.65 162.75 243.00 85 53 86.75 137.45 171.25 255.75 85 54 91.00 144.25 179.75 268.50 85 55 95.50 151.45 188.75 282.00 85 56 101.25 160.65 200.25 299.25 86 57 106.75 169.45 211.25 315.75 86 58 112.25 178.25 222.25 332.25 86 59 117.75 187.05 233.25 348.75 86 60 123.75 196.65 245.25 366.75 86 61 87 62 87 63 87 64 87 65 88 66 88 67 88 68 88 69 89 70 PureLife-plus is permanent life insurance to Attained Age 121 that can never be cancelled as long as you pay the necessary premiums. After the Guaranteed Period, the premiums can be lower, the same, or higher than the Table Premium. See the brochure under ”Permanent Coverage”. Form: 21M013-ICC EXP-A-M-1LO 38

EMPLOYEE BENEFITS THE NEED FOR LIFE INSURANCE Protecting the ones you care about most “How will my loved ones be taken care of when I’m Estimate your expenses below gone?” This question isn’t something anyone wants to think about, but if someone depends on you for Income and possessions Amount financial support, then life insurance is your answer. Annual income Income protection for your loved ones No matter what your current situation is: single, Number of years until retirement married, with or without children; life insurance helps replace your income, and will assist your family in Subtotal (annual income x years) paying final expenses. It will also allow your loved ones to continue any future plans, such as college Debt and final expenses education or savings. Mortgage/rent Why you need it There are several reasons you need life insurance. In Credit card(s), car payment(s), etc. addition to paying for burial expenses, consider life insurance an option to pay for the mortgage, medical Funeral and burial expenses expenses and fund college education. If you work or ($7,000 is a good estimate) have savings, then you have the income to pay these bills. However, consider what happens when your Subtotal (debt) loved ones no longer have your financial support. Educational costs How much is enough Figuring out how much life insurance you need is hard College expenses to decide. You want to make sure you have enough to (Approximately $32,405/year for private, $9,410 for protect your family. To help you answer this question, state residents at public schools and $23,893 for use the calculator to estimate your expenses to think out-of-state residents attending public universities) about which bills would need income protection. Subtotal (education) Total needed for your life insurance $ Typically, life insurance offered through work is less expensive than if you purchased it on your own. Consider purchasing life insurance today. © 2016 OneAmerica Financial Partners, Inc. All rights reserved. ONEAMERICA® IS THE MARKETING NAME FOR THE COMPANIES OF ONEAMERICA | ONEAMERICA.COM 39 G-27785 02/08/16

What you need to know about your Voluntary Term Life and AD&D Benefits Flexible Options: Employee: $10,000 to $500,000, in $10,000 increments, not to exceed 5 times your annual salary Guaranteed Issue: Spouse: $10,000 to $250,000, in $5,000 increments, not to exceed 50% of the employee’s amount Employee: $200,000 Spouse: $50,000 Child: $10,000 During New Employee Enrollment Period Only Dependent Life Coverage: Optional dependent life coverage is available to eligible employees. You must select employee coverage in order to cover your spouse and/or child(ren). Accidental Death and You must select Life coverage in order to select any AD&D coverage. Additional life insurance benefits may be Dismemberment (AD&D): payable in the event of an accident which results in death or dismemberment as defined in the contract. Accelerated Life Benefit: If diagnosed with a terminal illness and have less than 12 months to live, you may apply to receive 25%, 50% or 75% of your life insurance benefit to use for whatever you choose. Guaranteed Increase In You may be eligible to increase your coverage annually until you reach your maximum amount without providing Benefit: evidence of insurability. Reductions: Upon reaching certain ages, your original benefit amount will reduce to the percentage shown in the following schedule. The amounts of dependent life insurance and dependent AD&D principal sum will reduce according to the employee's reduction schedule. Age: 70 75 Reduces To: 67% 34% Payroll Deduction Illustration: 2 Times Per Month Employee Options Life & AD&D 0-19 20-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+ $.23 $10,000 $.23 $.46 $.23 $.37 $.58 $.84 $1.31 $2.05 $3.14 $4.71 $7.98 $14.21 $14.21 $20,000 $.46 $.69 $.46 $.73 $1.15 $1.67 $2.62 $4.10 $6.27 $9.42 $15.95 $28.42 $28.42 $30,000 $.69 $1.15 $.69 $1.10 $1.73 $2.51 $3.93 $6.15 $9.41 $14.13 $23.93 $42.63 $42.63 $50,000 $1.15 $1.84 $1.15 $1.83 $2.88 $4.18 $6.55 $10.25 $15.68 $23.55 $39.88 $71.05 $71.05 $80,000 $1.84 $2.30 $1.84 $2.92 $4.60 $6.68 $10.48 $16.40 $25.08 $37.68 $63.80 $113.68 $113.68 $100,000 $2.30 $2.76 $2.30 $3.65 $5.75 $8.35 $13.10 $20.50 $31.35 $47.10 $79.75 $142.10 $142.10 $120,000 $2.76 $3.45 $2.76 $4.38 $6.90 $10.02 $15.72 $24.60 $37.62 $56.52 $95.70 $170.52 $170.52 $150,000 $3.45 $4.14 $3.45 $5.48 $8.63 $12.53 $19.65 $30.75 $47.03 $70.65 $119.63 $213.15 $213.15 $180,000 $4.14 $4.60 $4.14 $6.57 $10.35 $15.03 $23.58 $36.90 $56.43 $84.78 $143.55 $255.78 $255.78 $200,000 $4.60 $4.60 $7.30 $11.50 $16.70 $26.20 $41.00 $62.70 $94.20 $159.50 $284.20 $284.20 20-24 $.47 Spouse Options $.94 Life & AD&D 0-19 $1.41 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70-74 75+ $10,000 $.47 $1.88 $.47 $.65 $.84 $1.24 $1.93 $3.05 $4.76 $8.36 $14.63 $14.63 $14.63 $20,000 $.94 $2.35 $.94 $1.30 $1.67 $2.47 $3.86 $6.10 $9.51 $16.71 $29.26 $29.26 $29.26 $30,000 $1.41 $1.41 $1.95 $2.51 $3.71 $5.79 $9.15 $14.27 $25.07 $43.89 $43.89 $43.89 $40,000 $1.88 $1.88 $3.34 $4.94 $7.72 $12.20 $19.02 $33.42 $58.52 $58.52 $58.52 $50,000 $2.35 $2.35 $2.60 $4.18 $6.18 $9.65 $15.25 $23.78 $41.78 $73.15 $73.15 $73.15 $3.25 Child Options Life & AD&D Child(ren) 6 months to age 26 Child(ren) live birth to 6 Deduction amount months Child(ren) Option 1: $2,500 $1,000 $0.42 Option 2: $5,000 $1,000 $0.84 Option 3: $10,000 $1,000 $1.68 Note: Employee and Spouse premiums are based on your age as of 01/01 and amount of coverage chosen. Child premiums are for all eligible children combined. OneAmerica® is the marketing name for the companies of OneAmerica. G 00616448-0000-000 Citrus County School Board Class: 1 40

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Accident Insurance Because Life Is Anything But Predictable American Public Life Insurance Company A member of the American Fidelity Group 50

SECURITY PLUS PLAN BENEFITS  A3, Accident Expense Policy  Benefits  2 Units  Accidental Injury  $1,000  We will pay the actual charges per accident (not to exceed maximum benefits for units   $2,500  se‐lected) for physician’s treatment, surgery, x‐rays, reduction of fractures and  dislocations or other emergency treatment expenses.  In no case will the benefit exceed  $150  actual charges.  There is a $50 deductible for emergency room expenses, per occurrence. Expenses must commence within 60 days of the covered accident.  $400  $10,000  Ambulance Benefit  $     500    We will pay the actual charges per accident (not to exceed maximum benefits for units se‐ $  1,000    lected) for emergency transportation for covered treatment (ground or air)  $  5,000    $10,000  Hospital Confinement  $  5,000    We will pay the daily hospital benefit, based upon the number of units selected, when a cov‐ $10,000  ered insured is confined to a hospital due to accident or injury.  This benefit begins the first  day of confinement and pays up to 30 days per any one accident  Hospital  Admission Benefit  We will pay for the  benefit shown, based on the number of units selected , upon admission  to a hospital due to a covered accident  Accidental Death Benefit  We will pay the benefit shown for accidental death based upon the number of units selected  Dismemberment  We will pay the following benefit, based upon the number of units selected , for dismember‐ ment  (dismemberment benefits are subject to a $5,000 per unit cumulative maximum per  accident).  Single Finger or Toe Multiple Fingers or Toes Single Hand, Arm, Foot or Leg Multiple Hands, Arms, Feet or Legs  Loss of Sight Benefit  We will pay the benefit, based upon the number of units selected , shown for the loss of sight  due to an accidental injury  Loss of sight in one  eye Loss of sight in both eyes  Premiums (Per Pay Period)  $     4.13    $     7.06  Individual $     8.30  Individual and Spouse $   11.23  Individual and Children Family (2 Parents and Children  Underwritten By:  American Public Life Insurance Company          PO Box 925          Jackson, MS 39205‐0925  51

EXCLUSIONS AND LIMITATIONS Benefits otherwise provided by this policy will not be payable for services or expenses or any such loss resulting from or in connection with: 1. sickness, illness or bodily infirmity; except as covered by the Sickness Disability Rider; 2. suicide, attempted suicide or intentional self-inflicted injury, whether sane or insane; 3. dental care or treatment due to accidental injury to natural teeth; 4. war or any act of war (whether declared or undeclared) or participating in a riot or felony; 5. alcoholism or drug addiction; 6. travel or flight in or descent from any aircraft or device which can fly above the earth’s surface in any capacity other than as a fare-paying passenger on a regularly scheduled airline; 7. injury originating prior to the effective date of the policy; 8. injury occurring while intoxicated (intoxication means that which is determined and defined by the laws and jurisdiction of the geographical area in which the loss or cause of loss is incurred); 9. voluntary inhalation of gas or fumes or taking of poison or asphyxiation from; 10. v oluntary ingestion or injection of any drug, narcotic or sedative, unless administered on the advice and taken in such doses as prescribed by a physician; 11. injury sustained or sickness which manifests itself while on full-time duty in the armed forces. Upon notice, the company will refund the proportion of unearned premium while in such forces; 12. injury incurred while engaged in an illegal occupation; 13. injury incurred while attempting to commit a felony or an assault; 14. mental or emotional disorders; 15. injury to a covered person while practicing for or being a part of organized or competitive football; 16. injury to a covered person while practicing for or being a part of organized or competitive rodeo, sky diving, hang gliding parachuting or scuba diving; 17. driving in any race or speed test or while testing an automobile or vehicle on any racetrack or speedway; 18. c harges incurred outside the U.S. if an insured traveled to the location for the purpose of receiving medical services, drugs or supplies; 19. hernia, carpal tunnel syndrome or any complication therefrom; 20. any bacterial infection (except pyogenic infections which shall occur with and through an accidental cut or wound). If you are entitled to benefits under this policy, as a result of sprained or lame back, or any intervertebral disk conditions, such benefits shall be payable for a maximum period of time, not exceeding in the aggregate three (3) months for any injury. These exclusions and limitations are not applicable for all states. Please refer to your policy or outline for applicable exclusions and limitations. This coverage should be viewed as a supplement to other health insurance. This is not the insurance contract, and only the actual policy provisions will apply. It is therefore important that you read your policy carefully. All products are not available in all states. American Public Life Insurance Company offers a wide variety of supplemental insurance plans. Most are available on an individual basis or as part of an employer-sponsored voluntary benefit program. Each plan has total flexibility and can be tailored to fit each individual’s need. Available Products: Dental • Accident Intensive Care • Medical Supplement • Hospital Indemnity Cancer • Whole Life • Term Life • Disability Income • Heart Disease/Attack/Stroke • Section 125 Plans For more information on any of these plans call your APL representative, or you may contact APL’s home office at (800) 256-6736. All products are not available in all states. American Public Life Insurance Company P.O. Box 925 Jackson, Mississippi 39205-0925 (601) 936-6600 or (800) 256-6736 52

Critical Illness insurance Citrus County School Board | All Eligible Employees | 919914 Protect your savings in case of a serious illness An illness can lead to unexpected costs not covered by your health plan. Deductibles and copays, or other costs like travel and child care can reduce your savings. Critical illness insurance provides a cash benefit when you or a person on your plan is diagnosed with a covered condition, like a heart attack or stroke. The benefit is paid directly to you, to use however you want. How it works What did Critical Illness insurance mean for Your employer is offering you and your coworkers this coverage as a Denise? group, at a group rate. You are responsible for paying a portion or all of the cost. Denise had a heart attack in her mid-40s. Her medical expenses piled Benefits You can choose from $, to $, of up at the worst possible time. coverage—in increments of $5,000—with no For you medical questions asked. 1. Denise filed a claim with Sun Life. We reviewed her medical For your spouse** If you elect coverage for yourself, you can choose information, including details from from $, to $, of coverage—in her physician and approved her increments of $,—with no medical questions claim. asked (Not to exceed % of your coverage amount.) 2. Denise received her cash benefit which helped her pay her medical The benefit may be reduced when the employee deductible and copays, and travel benefit amount is reduced. expenses for medical appointments. For your child(ren) If you elect coverage for yourself, you can choose (for each eligible child) from $, to $, of 3. The insurance allowed Denise to coverage—in increments of $2,500—with no focus on her recovery, and less medical questions asked. on her bank account (The coverage you select for your child(ren) cannot High blood pressure is a exceed % of your coverage amount.) contributing factor to heart attack and stroke. The number The benefit may be reduced when the employee of people who have HBP*: benefit amount is reduced. • Nearly 1 in 5 people, aged 35-44 An eligible child is defined as your child from birth to • 1 in 3 people, aged 45-54 age 26. • More than half of people aged 55-64 Sun Life Assurance Company of Canada sunlife.com 800-SUN-LIFE (786-5433) 53

Covered Conditions Once your coverage goes into effect, you can file a claim for covered conditions diagnosed after your insurance’s effective date. The full list of conditions is listed here. Covered conditions – The plan pays 100% of the benefit amount unless stated otherwise Core Conditions Heart Attack Stroke Coronary Artery Bypass Graft (pays %) Other Conditions Blindness Major organ failure (except heart failure) End stage kidney disease Paralysis (excluding paralysis from stroke) Coma Additional plan features • Wellness screening benefit: The claims application is easy to fill out and includes common screenings, like certain blood tests; Pap smear; skin cancer screening; Lipid panels; cardiac exercise stress test; Electrocardiogram (ECG); Immunizations and interscholastic sports physical exam. (List may vary by state.) sunlife.com 1-800-SUN-LIFE (786-5433) 54

Critical Illness FAQs Do I have to answer health questions to enroll? What happens if I get one of the conditions? You will be required to answer health questions if (1) you do not elect coverage when it’s first available to you If you are diagnosed with a covered condition and your and you want to elect at a later date; (2) you request an claim is approved, you will receive a lump sum payment. amount higher than the Guaranteed Issue amount You cannot collect more than 100% of your elected noted in the table, if offered; or (3) you want to increase benefit in any one category unless you qualify for a coverage at a later date. You will need to fill out and recurrence benefit. submit our Evidence of Insurability application which You can receive benefits from a different procedure must be approved by Sun Life before the coverage category if there is at least 6 consecutive months takes effect. between the diagnosis or procedure dates. Is my benefit taxable? What happens if I experience a recurrence of a previously diagnosed covered condition? If you pay for your coverage all post-tax, your benefit will not be taxable income or tax reported by us to the If, after  months of being treatment free from the IRS. If you pay for your coverage all pre-tax, if you pay initial critical illness, you are diagnosed with the same for part of your coverage post-tax and your employer condition or have the same procedure again, we’ll pay pays for the rest, or if your employer pays the entire an additional % of the previously paid benefit. The premium, some or all of your benefit amount will be tax recurrence benefit can only be paid once in each reported on a Form  as taxable income. Please category. consult with a tax advisor or your employer if you have any questions. What if I have a pre-existing condition? Can I take my insurance with me if I leave my If you submit a claim within  months of your insurance employer? taking effect, or  months following any increase in your amount of insurance, we will not pay any benefit Depending upon state variations and your employer’s for any pre-existing condition. A pre-existing condition plan, you may have an option to continue group includes anything you have sought or received coverage when your employment terminates. Your treatment for in the  months prior to your insurance employer can advise you about your options. becoming effective. Treatment can include consultation, advice, care, services or a prescription for drugs or medicine. In some states, “Critical Illness” is referred to as “Specified Disease.” “Critical Illness insurance” is a limited benefit policy. The certificate has exclusions, limitations, and benefit waiting periods for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. Read the important plan provisions section for more information including limitations and exclusions. sunlife.com 1-800-SUN-LIFE (786-5433) 55

Rate Sheet Rates are effective as of January 01, 2021 The chart below shows possible coverage amounts and the corresponding costs per monthly pay period. Find your age bracket (as of the effective date of coverage) to determine the associated cost for the coverage amount you choose. Employee Critical Illness - Choice 1 Smoker Rates Age and Cost - Monthly Premium Coverage <30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 Amounts 3.25 5.65 5.65 9.00 9.00 17.55 17.55 23.85 26.00 $5,000 6.50 11.30 11.30 18.00 18.00 35.10 35.10 47.70 52.00 $10,000 9.75 16.95 16.95 27.00 27.00 52.65 52.65 71.55 78.00 $15,000 13.00 22.60 22.60 36.00 36.00 70.20 70.20 95.40 104.00 $20,000 16.25 28.25 28.25 45.00 45.00 87.75 87.75 119.25 130.00 $25,000 Employee Critical Illness - Choice 1 Non-smoker Rates Age and Cost - Monthly Premium Coverage <30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 Amounts 2.40 3.65 3.65 5.45 5.45 9.80 9.80 14.10 17.05 $5,000 4.80 7.30 7.30 10.90 10.90 19.60 19.60 28.20 34.10 $10,000 7.20 10.95 10.95 16.35 16.35 29.40 29.40 42.30 51.15 $15,000 9.60 14.60 14.60 21.80 21.80 39.20 39.20 56.40 68.20 $20,000 12.00 18.25 18.25 27.25 27.25 49.00 49.00 70.50 85.25 $25,000 Spouse Critical Illness - Choice 1 Coverage Smoker Rates Amounts Age and Cost - Monthly Premium $2,500 $5,000 <30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 $7,500 $10,000 1.75 2.90 2.90 4.50 4.50 8.65 8.65 11.65 12.70 $12,500 3.50 5.80 5.80 9.00 9.00 17.30 17.30 23.30 25.40 5.25 8.70 8.70 13.50 13.50 25.95 25.95 34.95 38.10 7.00 11.60 11.60 18.00 18.00 34.60 34.60 46.60 50.80 8.75 14.50 14.50 22.50 22.50 43.25 43.25 58.25 63.50 Coverage Spouse Critical Illness - Choice 1 Amounts Non-smoker Rates $2,500 Age and Cost - Monthly Premium $5,000 $7,500 <30 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 $10,000 1.35 1.95 1.95 2.80 2.80 4.88 4.88 6.90 8.30 $12,500 2.70 3.90 3.90 5.60 5.60 9.75 9.75 13.80 16.60 4.05 5.85 5.85 8.40 8.40 14.63 14.63 20.70 24.90 5.40 7.80 7.80 11.20 11.20 19.50 19.50 27.60 33.20 6.75 9.75 9.75 14.00 14.00 24.38 24.38 34.50 41.50 Child Critical Illness - Choice 1 Coverage Cost - Amounts Monthly Premium $2,500 0.13 $5,000 0.25 56

Your Employee Benefit Can Help Protect Your Identity and Devices. Everyday we put our information at risk on the internet. Everyday activities like online shopping, banking, and even browsing can expose your personal information, making you more vulnerable to cybercrime. LifeLock with Norton Benefit Plans combine leading identity theft protection and device security against online threats, viruses, ransomware and malware, at home and on-the-go. Let us help protect your identity, your devices and your online privacy, in an always connected world. Get more value for your money! Enroll through your employer today! No one can prevent all identity theft or all cybercrime. 57

Benefit Pricing - Semi Monthly Rates with Benefit Essential with Benefit Premier Employee Only (18+ Years Old) $4.25 $7.50 Employee + Family∆ $8.49 $14.99 ∆ T he LifeLock Benefit Junior plan is for minors under the age of 18. LifeLock enrollment is limited to employees and their eligible dependents. Eligible dependents must live within the employee’s household, or be financially dependent on employee.LIFELOCK IDENTITY THEFT PROTECTION LifeLock services will only be provided after receipt and applicable verification of certain information about you and each family member. Please refer to employer group for the required information under your plan. In the event you do not complete the enrollment process for any family member, those individuals will not receive LifeLock services, but you will continue to be charged the full amount of the monthly membership selected until you cancel or modify your plan at your employer’s next open enrollment period, which may be annually. Please note that we will NOT refund or credit you for any period of time during which we are unable to provide LifeLock services to any family member on your plan after your benefit effective date due to your failure to submit the information necessary to complete enrollment. If you do not complete the enrollment process for each family member, you may continue to pay more for LifeLock services than you otherwise would if you had selected a lower tier plan. LifeLock Identity Alert™ System† • Payday - Online Lending Alerts† • Credit Alerts & Social Security Alerts† LifeLock Mobile App (Android™ & iOS)** Downloading the app does not provide protection. Dark Web Monitoring** LifeLock Privacy Monitor™ USPS Address Change Verification Lost Wallet Protection Reduced Pre-Approved Credit Card Offers Fictitious Identity Monitoring Data Breach Notifications Credit, Checking & Savings Account Activity Alerts†** Checking & Savings Account Application Alerts†** Bank Account Takeover Alerts†** 401K & Investment Account Activity Alerts†** File Sharing Network Searches Sex Offender Registry Reports Online Account Monitoring** Expected availability 2020, subject to change. Prior Identity Theft Remediation∂ This feature is separate from our Million Dollar Protection™ Package and does not provide coverage for lawyers and experts, reimbursement of stolen funds or compensation for personal expenses for events occurring during the 12 months prior to enrollment. See disclaimer for details. U.S.-based Identity Restoration Specialists Up to $1 Million each Up to $1 Million each 24/7 Live Member SupportΔ One-Bureau One-Bureau One-Bureau Three-Bureau Million Dollar Protection™ Package††† • Stolen Funds Reimbursement • Personal Expense Compensation • Coverage for Lawyers and Experts Credit Application Alerts2** Credit Monitoring1** Annual Credit Report & Credit Score1** Three-Bureau The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. NORTON DEVICE SECURITY Monthly Credit Score Tracking1** Up to 3 devices One-Bureau (Family gets 6 devices) Up to 5 devices The credit score provided is a VantageScore 3.0 credit score based on Equifax data. Third parties use many different types of credit scores (Family gets 10 devices) and are likely to use a different type of credit score to assess your creditworthiness. 10 GB 50 GB Secures PCs, Macs, Smartphones/Tablets** Online Threat Protection** Password Manager ** Parental Controls3** Smart Firewall** Cloud Backup3** ONLINE SafeCam3** PRIVACY 844-698-8640 1 If your plan includes credit reports, scores, and/or credit monitoring features (“Credit Features”), two requirements must be met to receive said features: ††† R eimbursement and Expense Compensation, each with limits of up to $1 million for LifeLock with Norton Benefit Essential and LifeLock with Norton (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file and it must contain sufficient credit Benefit Premier and up to $25,000 for Benefit Junior, and up to $1 million for coverage for lawyers and experts if needed, for all plans. Benefits under the history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE CREDIT FEATURES FROM ANY BUREAU. If Master Policy are issued and covered by United Specialty Insurance Company (State National Insurance Company, Inc. for NY State members). Policy your plan also includes Credit Features from Experian and/or TransUnion, the above verification process must also be successfully completed with terms, conditions and exclusions at: LifeLock.com/legal. Experian and/or TransUnion, as applicable. If verification is successfully completed with Equifax, but not with Experian and/or TransUnion, as applicable, you will not receive Credit Features from such bureau(s) until the verification process is successfully completed and until then you will only receive Credit ** These features are not enabled upon enrollment. Member must take action to activate this protection. Features from Equifax. Any credit monitoring from Experian and TransUnion will take several days to begin after your successful plan enrollment. Please note that in order to enjoy all features in your chosen plan, such as bank account alerts, credit monitoring, and credit reports, it may require additional ∂ Subject to eligibility requirements defined in Terms & Conditions at https://www.lifelock.com/legal/prior-id-theft-remediation. Symantec reserves the right action from you and may not be available until completion. to change and/or cease services at any time. Δ English only. 2 If your plan includes One Bureau Credit Application Alerts, two requirements must be met to receive said features: (i) your identity must be successfully No one can prevent all identity theft or cybercrime. verified with TransUnion; and (ii) TransUnion must be able to locate your credit file and it must contain sufficient credit history information. IF EITHER OF LifeLock and Norton by Symantec are now Norton LifeLock. THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE ONE BUREAU CREDIT APPLICATION ALERTS. One Bureau Credit Application Alerts will take several days to begin after your successful LifeLock plan enrollment. Copyright © 2019 Symantec Corporation. All rights reserved. Symantec, the Symantec Logo, the Checkmark Logo, Norton, Norton by Symantec, LifeLock, and the LockMan Logo are trademarks or registered trademarks of Symantec Corporation or its affiliates in the U.S. and other countries. Other names may 3 Not all features are available on all platforms. Norton Family Parental Controls, Norton Cloud Backup, and PC SafeCam are presently not supported on be trademarks of their respective owners. Norton LifeLock is the Consumer Division of Symantec. Mac OS. GPPM8782 † LifeLock does not monitor all transactions at all businesses 58

my.norton.com | 800-607-9174 GET THE MOST FROM YOUR MEMBERSHIP Learn how to take full advantage of the features included with your plan. ELECTRONIC FULFILLMENT AND COMMUNICATION EXPERIENCE Enrolling in your selected LifeLock with Norton Benefit Plan is an important step in helping to protect your identity, personal information and connected devices. From the moment you become a member, you will receive important communications about your membership, keeping you up to date on important information you need to know. Here are some important things to keep in mind as you explore your new benefit: • Upon successful enrollment in the benefit, you will receive a welcome email with a link to confirm your identity, create your account log in and access your personalized dashboard. • Dependents enrolled in the benefit will also receive a welcome email if they are over the age of 18. The welcome email is sent to the primary member, and the dependent will be able to update their contact information upon their initial account log in and access their own personalized dashboard. • Dependents under the age of 18 will simply be reflected on the primary member's account. • Any adult member can update their contact information so that future communications are sent based on their preference. YOUR PERSONALIZED DASHBOARD Screens modified for demonstration purposes. Features may differ depending on plan. Subject to change. This dashboard provides a simple step-by-step process for activating different features included with your membership. The features available will be unique to each user, and will be based on the plan elected. Important notifications are highlighted at the top of the screen in the envelopes. Please be sure to follow these steps right away to ensure you're receiving credit services1 and device security. Credit reports and credit scores, credit score tracking1 and credit application2 alerts† will require additional steps upon login in order to activate these features. The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any one bureau VantageScore mentioned is based on Equifax data only. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. 59

Make sure to take your LifeLock benefit with you. Help protect your personal information and finances with identity theft protection from LifeLock. Choose your plan and enroll today. LIFELOCK STANDARD™ identity theft protection uses innovative LIFELOCK ULTIMATE PLUS™ identity theft protection provides monitoring technology and alert tools to help proactively safeguard peace of mind knowing you have LifeLock’s most comprehensive your credit and finances.† identity theft protection available. Enhanced services include bank account application and takeover alerts, online annual three-bureau LIFELOCK JUNIOR® (if dependents under age 18 are enrolled) credit reports and credit scores plus monthly one-bureau credit identity theft protection helps safeguard your child’s Social Security score tracking.1 number and good name with proactive identity theft protection designed specifically for children.†† The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any OneBureau LIFELOCK ADVANTAGE™ identity theft protection provides VantageScore mentioned is based on Equifax data only. Third parties use enhanced identity theft protection including important notifications many different types of credit scores and are likely to use a different type beyond financial and credit fraud.† of credit score to assess your creditworthiness. When our members evaluate the scope of protection offered by LifeLock, it’s easy to appreciate the value. Members have exclusive protection services including proprietary identity monitoring† with technology that scans hundreds of millions of transactions per second looking for different threats that could lead to identity theft. Plus, if you have questions, LifeLock’s Identity Protection Agents are ready to help answer questions 24/7. And if a member’s identity is ever compromised, a dedicated U.S.-based Identity Restoration Specialist will take charge and help fix the problem. SPECIAL PRICING FOR LifeLock’s representatives will assist you with a smooth EMPLOYEES: 15% DISCOUNT (for one year) transition and no loss in protection. MENTION PROMO CODE: EMPBEN15 1-800-607-9174 Monday-Friday, 7AM to 5PM, Arizona time The LifeLock benefit through your employer is portable. Tell the customer service representative that you are no When you are no longer covered by your employer – the 1st longer eligible for protection through your employer and want day of the month following termination of employment you can to set up a “self-pay” account using your personal credit card. contact LifeLock directly to set up a self-pay account using your personal credit card. 1 Credit reports, scores and credit monitoring may require an additional verification process and credit services will be withheld until such process is complete. MEB1645 No one can prevent all identity theft. † LifeLock does not monitor all transactions at all businesses. †† LifeLock Junior® membership is available as an added membership to an adult LifeLock plan. Copyright © 2017 Symantec Corp. All rights reserved. Symantec, the Symantec Logo, the Checkmark Logo, LifeLock and the LockMan Logo are trademarks or registered trademarks of Symantec Corporation or its affiliates in the U.S. and other countries. Other names may be trademarks of their respective owners. 60

Employee Education Flexible Spending Account (FSA) Valuable pre-tax benefits with convenient tools Why not use pre-tax dollars to pay for medical co-pays, prescriptions, The TASC Card Convenience and/or daycare fees, thereby reducing your taxable income and Enjoy easy access to your FSA funds with the swipe increasing your take-home pay? It's a no-brainer. of a card instead of out-of-pocket spending and The pre-tax advantages of a Flexible Spending Account (FSA) allow you requesting a reimbursement! to save up to 30% on your eligible healthcare and/or dependent care expenses every year. Consider how much you spend on these Pre-Tax Savings Example costs for you and your qualified dependents in one year and how much you could save by using pre-tax dollars. Gross Monthly Pay: Without FSA With FSA $3,500 $3,500 How it Works Pre-Tax Contributions $0 -$125 FlexSystem FSA is offered through your employer and is administered by Medical/Dental Premiums $0 -$75 TASC. When you choose to enroll in a FlexSystem Healthcare FSA and/ Medical Expenses $0 -$400 or Dependent Care FSA, you determine the dollar amount you want Dependent Care Expenses $0 -$600 to contribute to each account based on your estimated expenses for TOTAL: the upcoming Plan Year. Your contributions will be deducted in equal amounts from each paycheck, pre-tax, throughout the Plan Year. Taxable Monthly Income $3,500 $2,900 The more you contribute to these accounts, the more you reduce your taxable gross salary. And with less taxes taken, your take-home pay Taxes (federal, state, FICA): -$968 -$802 increases! Out-of-pocket Expenses: -$600 $0 Your total annual Healthcare FSA contribution amount is available Monthly Take-home Pay: $1,932 $2,098 immediately at the start of the Plan Year. Dependent Care FSA funds are available up to the current account balance only. Net Increase in Take-Home Pay = $166/mo! Online Enrollment and Contributions For illustration only. Actual dollar amounts may vary. Annual FSA contributions are set by your employer, but are limited to the IRS maximums per Plan Year. View current IRS limits at: www.tasconline.com/benefits-limits/ Use our online tax-savings calculator to help determine how much you should contribute to each FlexSystem account per year. 61

Multiple self-service tools available to easily manage your FlexSystem account(s) and TASC Card transactions: MyTASC Online: www.tasconline.com MyTASC Mobile App: www.tasconline.com/mobile MyTASC Text Messaging (SMS) How to Access Your FSA Funds Eligible Expenses As eligible expenses are incurred, you have two options to access your FlexSystem FSA funds may only be used for available FlexSystem FSA funds: eligible expenses under your healthcare FSA and/ 1) TASC Benefits Card: upon enrollment into the Plan, you will or dependent care FSA. Some eligible expenses receive a TASC Card in the mail, which can be used to pay for eligible include: expenses at the point of purchase. Simply swipe your TASC Card where • Medical/dental office visit co-pays MasterCard is accepted. • Dental/Orthodontic care services With smart card technology, the TASC Card automatically pays for and • Eye exams and prescription glasses/lenses substantiates most eligible expenses without requiring any paperwork. • Prescriptions 2) Request a Reimbursement: simply submit a request for • Vaccinations reimbursement to FlexSystem using one of the following methods: • Daycare Fees • Submit via MyTASC Mobile App (free download) A complete list can be found at www.irs.gov in • Submit via MyTASC Text Message (SMS) IRS Publications 502 & 503. Please note insurance • Download Request for Reimbursement form online (paper) premiums are NOT eligible for reimbursement. Your reimbursement is direct deposited into your MyCash account or a designated bank account. MyCash funds are accessible via your TASC Card to be used for any type of purchase or ATM cash withdrawal. Important Considerations FSA Funds do not Rollover: It is important to be conservative in making elections because any unused funds left in your FSA at the close of the Plan Year are not refundable to you. You are urged to take precautionary steps, such as tracking account balances on the FlexSystem website and/or using the Interactive Voice Response System, to avoid having funds remaining in your account at year-end. Changing Elections During the Plan Year: You may change your FSA elections during the Plan Year only if you experience a change of status such as: • a marriage or divorce • birth or adoption of a child, or • a change in employment status Refer to the Change of Election Form (available from your employer) for a complete list of circumstances acceptable for changing elections mid-year. Total Administrative Services Corporation 2302 International Lane I Madison, WI 53704-3140 www.tasconline.com I 800.422.4661 62 FX-4245-040116

Employee Education Eligible and Ineligible Expenses for FSA Expenses that qualify for reimbursement from FlexSystem Healthcare FSA | Dependent Care FSA Below is a partial list of permissible expenses reimbursable through a Flexible Spending Account (FSA) that are incurred by you, your spouse, or qualified dependents. Please note: a Limited Purpose Healthcare FSA only allows dental and vision expenses. Medical Expenses • Physician’s fee and hospital services • Pregnancy test • Acupuncture • Prescription drugs and medications • Artificial limbs • Psychotherapy, psychiatric and psychological service • Bandages • Reading glasses • Birth control, contraceptive devices • Sales tax on eligible expenses • Birthing classes/Lamaze – only the mother’s portion • Services connected with donating an organ • Sleep apnea services/products (as prescribed) (not the coach/spouse) and the class must be only for • Smoking cessation programs birthing instruction, not child rearing • Treatment for alcoholism or drug dependency • Blood pressure monitor • Vaccinations • Blood sugar test kits/test strips • Wrist supports, elastic wraps • Chiropractic therapy/exams/adjustments • X-ray fees • Contact lens and contact lens solutions • Co-payments OTC Medicines and Drugs • Crutches (purchased or rented) • Deductible and co-insurance Over-the-counter (OTC) medicines and drugs, except for • Diabetic supplies insulin, require a prescription from your physician to be • Eye exams reimbursable. The prescription will need to be included • Eyeglasses, contacts, or safety glasses, prescription with each request for reimbursement. only (warranties are not reimbursable) • Bengay, Flexall, pain relieving creams or gels • Flu shots • Calamine lotion • Hearing aids and hearing aid batteries (warranties • Canker/cold sore relievers are not reimbursable) • Cold medicines • Heating pad • Corn removal • Incontinence supplies • Diaper rash ointment • Infertility treatments • GasX, baby gas drops • Insulin • Hemorrhoid creams and treatments • Lactation expenses (breast pumps, etc.) • Hydrogen Peroxide or rubbing alcohol • Laser eye surgery; LASIK • Indigestion or anti-acid relievers • Legal sterilization • Laxatives • Medical supplies to treat an injury or illness • Nicotine patch • Mileage to and from doctor appointments • Pain relievers (Tylenol, Advil, Aspirin, etc.) • Nasal strips • Sinus medicines • Optometrist’s or ophthalmologist’s fees • Suppositories • Orthopedic inserts • Teething gel • Physicals • Wart removal medication • Physical therapy (as medical treatment) Continued on next page... Total Administrative Services Corporation 2302 International Lane I Madison, WI 53704-3140 FX-4248-062316 63

For more information regarding FSA expenses, please review IRS Publication 502 or ask your employer for a copy of your Summary Plan Description (SPD). Dental Expenses Dependent Care Expenses • Braces and orthodontic services • Fees for licensed day care or adult care facilities • Cleanings • Before and after school care programs for dependents • Crowns • Deductibles, co-insurance under age 13 • Dental implants • Amounts paid for services (including babysitters or nursery • Dentures, adhesives • Fillings school) provided in or outside of your home • Nanny expenses attributed to dependent care Disability Expenses • Nursery school (preschool) fees • Summer Day Camp – primary purpose must be custodial • Automobile equipment and installation costs for a disabled person in excess of the cost of an ordinary care and not educational in nature automobile; device for lifting a mobility impaired person • Late pick-up fees into an automobile • Does not cover medical costs; use Healthcare FSA for • Braille books/magazines in excess of cost of regular editions medical expenses incurred by you or your dependents • Note-taker for a hearing impaired child in school • Seeing eye dog (buying, training, and maintaining) Ineligible Medical Expenses • Special devices, such as a tape recorder or typewriter for • Athletic mouth guards a visually impaired person • Chapstick/lip balm • Visual alert system in the home or other items such as a • Contributions to state disability funds • Cosmetic surgery, dentistry, or other cosmetic procedures special phone required for a hearing impaired person • Cosmetic supplies (makeup, cleansers, moisturizers, etc.) • Wheelchair or autoette (cost of operating/maintaining) • Deodorant • Dental floss Requiring Additional Documentation • Diet (cost of special foods as substitute for regular diet) • Dietary and fiber supplements The following expenses are eligible only when incurred to • Electrolysis/hair removal treat a diagnosed medical condition. Such expenses require • Exercise equipment and fees a Letter of Medical Necessity from your physician, containing • Eye drops for general comfort the medical necessity of the expense, diagnosed condition, • Eyeglass cases onset of condition, and physician’s signature. • Hand sanitizer • Ear plugs • Health club or athletic club membership fees • Massage treatments • Herbal supplements • Nursing services for care of a special medical ailment • Insurance premiums, all types • Orthopedic shoes (excess cost of ordinary shoes) • Lotions or skin moisturizers • Oxygen equipment and oxygen • Marriage counseling • Support hose • Maternity clothes • Varicose vein treatment • Mattress • Veneers • Medicare premiums • Vitamins and supplements • Medicated shampoos, conditioners, and soaps • Wigs (for mental health condition of individual who loses • Physical treatment unrelated to specific health problems hair because of a disease) (massage for general well-being, stress, depression, or chiropractic wellness) • Safety glasses (non-prescription) • Sunglasses (non prescription) and sun clips • Teeth whitening products • Toiletries • Toothbrush (includes prescribed electronic) and toothpaste • Vitamins and supplements for well-being • Warranties • Weight loss drugs/programs for general well being 64

Employee Education Mobile Tools Easily access your FSA while on the go! TASC Mobile provides quick and easy access to your Available for these FlexSystem Plans FlexSystem account(s)—from anywhere at any time. Securely check real-time balances, request a reimbursement, view • Healthcare FSA • Limited Purpose FSA transaction details, and review plan information...all from your mobile device. • Dependent Care FSA • NESP Account MyTASC Mobile App Get Started Today! Download the MyTASC Mobile App on your mobile Download the app for free to your smartphone or tablet. Securely device today for easy, secure, and convenient account log in using your current MyTASC username and password to access. It’s free and available on the following platforms: conveniently perform the following functions: • Submit a request for reimbursement for out-of-pocket FSA Apple® App Store I Android Google Play™ expenses. Upload pictures of receipts with phone camera. Activate MyTASC Text Messaging and/or email • View real-time account balances and transactions for active notifications online by logging in to your MyTASC account online and selecting “Set Notifications.” and closing Plans, and your MyCash account. • Review FlexSystem Plan information and annual contributions. Get more information about TASC Mobile at: • Enable login memory for faster return access (per device). www.tasconline.com/mobile MyTASC Text Messaging (SMS) Text messaging is available for convenient access to your FlexSystem account(s) from your mobile phone through instant two-way communication. • Request your current account balance Text “TASC Bal” to number 41411 • Receive automated reimbursement status alerts Total Administrative Services Corporation FX-4688-111016 2302 International Lane I Madison, WI 53704-3140 65

Employee Education MyCash Account Convenient access to your reimbursement funds MyCash is an individual cash account that securely holds your Join the MyCash Movement reimbursement funds until you spend or move them. Hundreds of thousands of FlexSystem Participants are enjoying the convenience of MyCash in their On those rare occasions when you do not use your TASC Card to pay daily lives! You can, too. for an eligible employee benefits expense, simply submit a request Did you know... for reimbursement via the MyTASC Mobile app or online Request for • 93% of FlexSystem Participants have the TASC Reimbursement form in MyTASC (www.tasconline.com). Requests are processed daily and approved reimbursements are Card. deposited directly into your MyCash account—usually within 24-48 • 95% of TASC Card holders have access to hours. Reimbursements are quick—even faster than with direct deposit! Then you choose how to use your MyCash funds. There are no MyCash. restrictions on type of expense or merchant. These are your • While 84% of reimbursements are paid via reimbursement funds and can be spent just like cash everywhere MasterCard® is accepted. the TASC Card at the point of purchase, 56% of Participants who submit manual requests Access your MyCash funds in three ways: for reimbursement and receive MyCash disbursements choose to access their MyCash 1. Swipe your TASC Card at any merchant that accepts MasterCard. with the swipe of their TASC Card. 2. Withdraw at an ATM (with a PIN) using your TASC Card. • Participants swipe their cards for MyCash 3. Transfer to a personal bank account via MyTASC. transactions more than 800 times a day! “I submitted a manual request for reimbursement and about a day later my reimbursement was available in my MyCash account. I paid for my groceries at the grocery store using my TASC Card. The whole process was so easy and convenient!” —Shari, FlexSystem Participant Total Administrative Services Corporation FX-4875-040116 2302 International Lane I Madison, WI 53704-3140 66

GuidanceResources® MLIFEESIS SY Your GuidanceResources program can help straighten it out. Whether it’s counseling, legal and financial guidance, or tips on well-being and work-life balance, we’re ready to pitch in. Our support, resources and information are free, confidential and available all day, every day for you and your family. Call: 855.387.9727 TDD: 800.697.0353 Online: guidanceresources.com App: GuidanceResources® Now Web ID: ONEAMERICA3 OneAmerica is the marketing name for American United Life Insurance Company(R) (AUL). AUL markets ComPsych services. ComPsych Corporation is not an affiliate of AUL and is not a OneAmerica company. Copyright © 2015 ComPsych Corporation. All rights reserved. 67

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