Blue Mantis LTD

Long-Term Disability Insurance We’ve Got You Covered As an active employee of Blue Mantis, you have access to a disability income insurance policy from United of Omaha Life Insurance Company. A lengthy disability can be devastating, and is more common than you might think. It may lead to a loss of income, independence and financial security. A disability income insurance policy can help provide security when you need it most. It pays you cash benefits when you’re sick or hurt and can’t work. Coverage guidelines and benefits are outlined in the chart below. ELIGIBILITY - ALL ELIGIBLE EXECUTIVES Eligibility You must be actively working a minimum of 30 hours per week to be eligible for Requirement coverage. Premium The premiums for this insurance are paid in full by the policyholder. There is no cost to Payment you for this insurance. BENEFITS Elimination Your benefits begin on the later of 90 calendar days after the onset of your disabling Period injury or illness or the date your short-term disability ends. Monthly Benefit Your benefit is equivalent to 60% of your before-tax monthly earnings, not to exceed the plan’s maximum monthly benefit amount less other income sources. The premium for your long-term disability coverage is waived while you are receiving benefits. Maximum $12,500 Monthly Benefit Minimum Monthly $100 Benefit 45104 G000BYZS

Maximum Benefit If you become disabled prior to age 62, benefits are payable to age 65, your Social Period Security Normal Retirement Age or 3.5 years, whichever is longest. At age 62 (and older), the benefit period will be based on a reduced duration schedule. Partial Disability If you become disabled and can work part-time (but not full-time), you may be eligible Benefits for partial disability benefits. Additional benefits for family care expenses for eligible family members are also available while receiving partial disability benefits. DEFINITIONS Own Occupation Own Occupation to the Maximum Benefit Period Own Occupation 99% Earnings Test Definition of Monthly earnings for salaried employees is the gross annual salary in effect immediately Monthly Earnings prior to the date disability begins, divided by 12. Monthly earnings for hourly employees is the hourly rate of pay multiplied by the average number of hours worked per month during the 12 month period immediately prior to the date disability begins. If employed for part of the prior 12 month period, monthly earnings is the hourly rate of pay multiplied by the average number of hours worked. FEATURES Vocational If you become disabled and participate in the vocational rehabilitation program, you will Rehabilitation be eligible for a monthly benefit increase of 5%. Benefit Survivor Benefit If you pass away while receiving disability benefits, a lump sum equal to 3 times your monthly benefit will be paid to your eligible survivor. SERVICES Employee Mutual of Omaha’s team of master’s level EAP professionals are available 24/7/365 to Assistance provide you and your loved ones resources for assistance with personal and workplace Program (EAP) issues. Access to EAP services is obtained by calling 1-800-316-2796 or by using an online submission form for employee convenience at www.mutualofomaha.com/eap. Online are valuable resources and links for additional assistance, including current events, family and relationships, emotional well-being, financial wellness, substance abuse and addiction, legal assistance and work and career. Hearing Discount The Hearing Discount Program provides you and your family discounted hearing Program products, including hearing aids and batteries. Call 1-888-534-1747 or visit www.amplifonusa.com/mutualofomaha to learn more.

Who is eligible for this insurance? You must be actively working (performing all normal duties of your job) at least 30 hours per week. How long will my benefits be paid? Benefits begin after the end of the elimination period and can be payable up to the maximum benefit period as long as you remain disabled. Will my benefits be reduced by other sources of income? Yes, depending on the type of income you receive. Your benefit amount may be reduced by other sources of income such as retirement/government plans, other group disability plans, salary continuance/sick leave, settlements on payments received and no-fault benefits. Does this plan cover me if I become disabled due to an injury at work? Yes, your LTD insurance provides benefits for both on-the-job and off-the-job coverage for disabilities due to injury or sickness. Are there any limitations or exclusions? The benefits payable are subject to the following: · Your plan is subject to a pre-existing condition limitation. A pre-existing condition is one for which you have received medical treatment, consultation, care or services including diagnostic measures, or if you were prescribed or took prescription medications in the predetermined time frame prior to your effective date of coverage. The pre-existing condition under this plan is 3/12 which means any condition that you receive medical attention for in the 3 months prior to your effective date of coverage that results in a disability during the first 12 months of coverage, would not be covered. · Benefits are not payable for any disability or loss that: - Results from an act of declared or undeclared war or armed aggression - Results from participation in a riot or commission of or attempt to commit a felony - Results, whether the insured person is sane or insane, from an intentionally self-inflicted injury or illness, suicide, or attempted suicide - Results from alcohol and drug abuse and/or substance abuse, except as noted above - Results from a mental disorder, except as noted above - Is caused by alcohol and drug abuse and/or substance abuse, while not being actively supervised by and receiving continuing treatment from a rehabilitation center or designated institution approved for such treatment by an appropriate body in the governing jurisdiction - Occurs while incarcerated or imprisoned for any period exceeding 31 days - Is solely a result of a loss of a professional license, occupation license or certification All exclusions may not be applicable, or may be adjusted, as required by state regulations. This information describes some of the features of the benefits plan. Benefits may not be available in all states. Please refer to the certificate booklet for a full explanation of the plan’s benefits, exclusions, limitations and reductions. Should there be any discrepancy between the certificate booklet and this summary, the certificate booklet will prevail. Benefits availability is subject to final acceptance and approval of the group application by the underwriting company. Disability income insurance is underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175, 1-800-769-7159. United of Omaha Life Insurance Company is licensed nationwide, except in New York. Policy form number 7000GM-U-EZ-2010. LONG-TERM DISABILITY INSURANCE