CONTENTS WELCOME ELIGIBILITY 04 BENEFITS OVERVIEW LIFE & DISABILITY MEDICAL OFFERINGS DID YOU KNOW HEALTH SAVINGS ACCOUNT ACCIDENT & CRITICAL ILLNESS FLEXIBLE SPENDING ACCOUNT 15 TUITION REIMB. 18 401(K) 19 CARRIER CONTACTS 22 ADDITIONAL SUPPORT 22 The following descriptions of available benefit elections options, are purely informational and have been provided to you for illustrative purposes only. Payment of benefits will vary from claim to claim within a particular benefit option and will be paid at the sole discretion of the applicable insurance provider for each benefit option. The terms and conditions of each applicable policy or certificate of coverage will provide specific details and will govern in all matters relating to each particular benefit option described in this summary. In no case will any information in this summary amend, modify, expand, enhance, improve or otherwise change any term, condition or element of the policies or certificates of coverage that govern the benefit options described in this summary. DENTAL/VISION 05 0 3 11 12 12 06 06 0 8 TIME OFF 10