Sun Life: Voluntary Life Summary of Benefits

BENEFITS (You can purchase this coverage at a group rate.) For you* You can choose from $10,000 to $500,000 —in increments of $10,000 not to exceed 5 times your Basic Annual Earnings. No medical questions asked up to the Guaranteed Issue amount of $150,000 . Benefits are reduced at age 65 and may reduce again in subsequent years as noted in your Certificate. For your spouse* If you elect coverage for yourself, you can choose from $5,000 to $100,000 —in increments of $5,000. No medical questions asked up to the Guaranteed Issue amount of $50,000 . The amount you select for your spouse cannot exceed 50% of your coverage amount. Coverage ends when you turn age 70. For your child(ren)* If you elect coverage for yourself, you can choose $1,000, $2,000, $4,000, $5,000 or $10,000 . No medical questions asked. The amount you select for your child(ren) cannot exceed 50% of your coverage amount. Benefits may reduce as noted in your Certificate. Child(ren) must primarily depend on the employee for 50% or more of their support. A full benefit is payable for a dependent child who is 6 months to 19 or to 23 years old if a full-time student. A reduced benefit of $100 is payable for a child from 14 days to 6 months. (No benefit is payable for a child from birth to 14 days). *This coverage includes Accidental Death and Dismemberment insurance. MORE PROTECTION FOR YOUR LOVED ONES . The people you love and support could face financial challenges without you. Life insurance provides your loved ones with money they can use for household expenses, tuition, mortgage payments and more. HELPS YOU CLOSE ANY COVERAGE GAPS . You may have life insurance today, either on your own or through your employer. Now is a good time to ask yourself if you need more coverage. 800-247-6875 • sunlife.com/us Voluntary Life Insurance Sun Life Assurance Company of Canada 2514719 SEQ8 CL1 03/04/2025 08:27:30 Voluntary Life Insurance OWL LABS INC. All Eligible Employees POLICY #: 959589

Voluntary Life Insurance 800-247-6875 • sunlife.com/us Read the Important information section for more details including limitations and exclusions. What is my AD&D benefit? We will pay your beneficiaries an Accidental Death insurance amount that matches your Voluntary Life, if you die from a covered accident. Additional benefits are available for accidental injuries (i.e., dismemberment) such as loss of limbs, fingers or sight. Refer to your Certificate for a full list of covered accidental injuries. This plan includes AD&D coverage for your dependents. Do I need to answer any health questions to enroll? Yes, if you request an initial amount higher than the Guaranteed Issue amount or if you want to increase coverage in excess of one increment annually. To answer health questions, please fill out our Evidence of Insurability application. Health questions must be approved by Sun Life before coverage takes effect. Please see your Certificate for details. Can I increase my coverage at a later date? Yes. You may increase your coverage by one increment amount annually, without having to answer health questions, even if the increase means that your coverage exceeds the Guaranteed Issue amount. Your benefits administrator can advise you on how to increase coverage annually. The maximum benefit amount still applies. What if my spouse and I work for the same employer? Under the policy, if you are married to another employee, you should check with your benefits administrator to confirm whether you are eligible to enroll your spouse as a dependent and to confirm any additional considerations for enrolling dependent children (if dependent child coverage is available). Can I take my insurance with me if I leave my employer? Depending upon state variations and your employer’s plan, you may have an option to continue group coverage when your employment terminates. Your employer can advise you about your options. Can I access my life insurance if I become terminally ill? You may apply to receive a portion of your life insurance to help cover medical and living expenses. This is called an “Accelerated Benefit” and there are some important things to know about it, including that it is not long-term-care insurance, it may be taxable and it may affect your eligibility for public assistance programs. It will also reduce the total amount of the life insurance payment we pay to your beneficiary(ies). What happens if I become Totally Disabled? If we determine that you are Totally Disabled and cannot work, your life insurance coverage may continue at no cost. You must meet certain requirements, as detailed in the Certificate. How does my beneficiary file a death claim? Your beneficiary(ies) and your employer will complete the appropriate claims forms and submit them to us. We will notify your beneficiaries when the decision is made and if we have any questions. If approved, beneficiaries may elect to receive a lump sum payment or to have the benefit paid into an account where the funds accumulate interest and can be withdrawn at any time. (State restrictions apply and options may vary by state.) If your AD&D claim for an accidental Frequently asked questions

Sun Life companies include Sun Life and Health Insurance Company (U.S.) and Sun Life Assurance Company of Canada (collectively, “Sun Life”). Group life insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 98P-ADD, 12-GP-01, 15-LF-01, 12- GPPort-P01, 12-LFPort-C-01, 15-ADD-C-01, 13-ADD-C-01 and 13-ADDPort-C-01. © 2024 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us. GVBH-EE-8384 SLPC 29579 800-786-5433 • sunlife.com/us/ 800-247-6875 • sunlife.com/us/ Voluntary Life Insurance To become insured, you must meet the eligibility requirements set forth by your employer. Your coverage effective date will be determined by the Policy and may be delayed if you are not actively at work on the date your coverage would otherwise go into effect. Similarly, dependent coverage, if offered, may be delayed if your dependents are in the hospital (except for newborns) on the date coverage would otherwise become effective. Refer to the Certificate for details. Limitations and exclusions The below exclusions and limitations may vary by state law and regulations. This list may not be comprehensive. Please see the Certificate or ask your benefits administrator for details. Life In some states, your employer’s group policy may exclude payment for suicide that occurs within a specific time period after the insurance or increase in insurance becomes effective. Please see your Certificate for details. Accidental Death and Dismemberment We will not pay a benefit that is due to or results from: suicide while sane or insane; injuring oneself intentionally; committing or attempting to commit an assault, felony or other criminal act; war or an act of war; active participation in a riot, rebellion or insurrection; voluntary use of any controlled substance/il- legal drugs; operation of a motorized vehicle while intoxicated; bodily or men- tal infirmity or disease or infection unless due to an accidental injury; riding in or driving any motor-driven vehicle in a race, stunt show, or speed test. This Overview is preliminary to the issuance of the Policy. Refer to your Certificate for details. Receipt of this Overview does not constitute ap- proval of coverage under the Policy. In the event of a discrepancy be- tween this Overview, the Certificate and the Policy, the terms of the Pol- icy will govern. Product offerings may not be available in all states and may vary depending on state laws and regulations. Important information

Employee - Coverage and semi-monthly cost for Employee Voluntary Life and AD&D. Rates are effective as of April 1, 2025. The chart below shows possible coverage amounts and their semi-monthly costs. Find your age bracket (as of the effective date of coverage) to see the cost for the coverage amount you choose. Coverage Age and cost amounts <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+ $10,000 0.38 0.38 0.48 0.53 0.67 0.98 1.46 2.37 3.65 6.43 10.38 $20,000 0.76 0.76 0.96 1.06 1.34 1.96 2.92 4.74 7.29 12.86 20.76 $30,000 1.14 1.14 1.44 1.59 2.01 2.94 4.38 7.11 10.94 19.29 31.14 $40,000 1.52 1.52 1.92 2.12 2.68 3.92 5.84 9.48 14.58 25.72 41.52 $50,000 1.90 1.90 2.40 2.65 3.35 4.90 7.30 11.85 18.23 32.15 51.90 $60,000 2.28 2.28 2.88 3.18 4.02 5.88 8.76 14.22 21.87 38.58 62.28 $70,000 2.66 2.66 3.36 3.71 4.69 6.86 10.22 16.59 25.52 45.01 72.66 $80,000 3.04 3.04 3.84 4.24 5.36 7.84 11.68 18.96 29.16 51.44 83.04 $90,000 3.42 3.42 4.32 4.77 6.03 8.82 13.14 21.33 32.81 57.87 93.42 $100,000 3.80 3.80 4.80 5.30 6.70 9.80 14.60 23.70 36.45 64.30 103.80 $110,000 4.18 4.18 5.28 5.83 7.37 10.78 16.06 26.07 40.10 70.73 114.18 $120,000 4.56 4.56 5.76 6.36 8.04 11.76 17.52 28.44 43.74 77.16 124.56 $130,000 4.94 4.94 6.24 6.89 8.71 12.74 18.98 30.81 47.39 83.59 134.94 $140,000 5.32 5.32 6.72 7.42 9.38 13.72 20.44 33.18 51.03 90.02 145.32 $150,000 5.70 5.70 7.20 7.95 10.05 14.70 21.90 35.55 54.68 96.45 155.70 $160,000 6.08 6.08 7.68 8.48 10.72 15.68 23.36 37.92 58.32 102.88 166.08 $170,000 6.46 6.46 8.16 9.01 11.39 16.66 24.82 40.29 61.97 109.31 176.46 $180,000 6.84 6.84 8.64 9.54 12.06 17.64 26.28 42.66 65.61 115.74 186.84 $190,000 7.22 7.22 9.12 10.07 12.73 18.62 27.74 45.03 69.26 122.17 197.22 $200,000 7.60 7.60 9.60 10.60 13.40 19.60 29.20 47.40 72.90 128.60 207.60 $210,000 7.98 7.98 10.08 11.13 14.07 20.58 30.66 49.77 76.55 135.03 217.98 $220,000 8.36 8.36 10.56 11.66 14.74 21.56 32.12 52.14 80.19 141.46 228.36 $230,000 8.74 8.74 11.04 12.19 15.41 22.54 33.58 54.51 83.84 147.89 238.74 $240,000 9.12 9.12 11.52 12.72 16.08 23.52 35.04 56.88 87.48 154.32 249.12 $250,000 9.50 9.50 12.00 13.25 16.75 24.50 36.50 59.25 91.13 160.75 259.50 $260,000 9.88 9.88 12.48 13.78 17.42 25.48 37.96 61.62 94.77 167.18 269.88 $270,000 10.26 10.26 12.96 14.31 18.09 26.46 39.42 63.99 98.42 173.61 280.26 $280,000 10.64 10.64 13.44 14.84 18.76 27.44 40.88 66.36 102.06 180.04 290.64 $290,000 11.02 11.02 13.92 15.37 19.43 28.42 42.34 68.73 105.71 186.47 301.02 $300,000 11.40 11.40 14.40 15.90 20.10 29.40 43.80 71.10 109.35 192.90 311.40 $310,000 11.78 11.78 14.88 16.43 20.77 30.38 45.26 73.47 113.00 199.33 321.78 $320,000 12.16 12.16 15.36 16.96 21.44 31.36 46.72 75.84 116.64 205.76 332.16 $330,000 12.54 12.54 15.84 17.49 22.11 32.34 48.18 78.21 120.29 212.19 342.54 $340,000 12.92 12.92 16.32 18.02 22.78 33.32 49.64 80.58 123.93 218.62 352.92 $350,000 13.30 13.30 16.80 18.55 23.45 34.30 51.10 82.95 127.58 225.05 363.30 $360,000 13.68 13.68 17.28 19.08 24.12 35.28 52.56 85.32 131.22 231.48 373.68 $370,000 14.06 14.06 17.76 19.61 24.79 36.26 54.02 87.69 134.87 237.91 384.06 $380,000 14.44 14.44 18.24 20.14 25.46 37.24 55.48 90.06 138.51 244.34 394.44 $390,000 14.82 14.82 18.72 20.67 26.13 38.22 56.94 92.43 142.16 250.77 404.82 $400,000 15.20 15.20 19.20 21.20 26.80 39.20 58.40 94.80 145.80 257.20 415.20 $410,000 15.58 15.58 19.68 21.73 27.47 40.18 59.86 97.17 149.45 263.63 425.58 $420,000 15.96 15.96 20.16 22.26 28.14 41.16 61.32 99.54 153.09 270.06 435.96 $430,000 16.34 16.34 20.64 22.79 28.81 42.14 62.78 101.91 156.74 276.49 446.34 $440,000 16.72 16.72 21.12 23.32 29.48 43.12 64.24 104.28 160.38 282.92 456.72 $450,000 17.10 17.10 21.60 23.85 30.15 44.10 65.70 106.65 164.03 289.35 467.10 Voluntary Life Insurance Rates 800-247-6875 · sunlife.com/us

Coverage Age and cost amounts <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 70+ $460,000 17.48 17.48 22.08 24.38 30.82 45.08 67.16 109.02 167.67 295.78 477.48 $470,000 17.86 17.86 22.56 24.91 31.49 46.06 68.62 111.39 171.32 302.21 487.86 $480,000 18.24 18.24 23.04 25.44 32.16 47.04 70.08 113.76 174.96 308.64 498.24 $490,000 18.62 18.62 23.52 25.97 32.83 48.02 71.54 116.13 178.61 315.07 508.62 $500,000 19.00 19.00 24.00 26.50 33.50 49.00 73.00 118.50 182.25 321.50 519.00 Voluntary Life Insurance Rates 800-247-6875 · sunlife.com/us

Spouse - Coverage and semi-monthly cost for Spouse Voluntary Life and AD&D. Rates are effective as of April 1, 2025. The chart below shows possible coverage amounts and their semi-monthly costs. Find your age bracket (as of the effective date of coverage) to see the cost for the coverage amount you choose. Spouse rates are based on the employee's age. Coverage Age and cost amounts <25 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69 $5,000 0.19 0.19 0.24 0.27 0.34 0.49 0.73 1.19 1.82 3.22 $10,000 0.38 0.38 0.48 0.53 0.67 0.98 1.46 2.37 3.65 6.43 $15,000 0.57 0.57 0.72 0.80 1.01 1.47 2.19 3.56 5.47 9.65 $20,000 0.76 0.76 0.96 1.06 1.34 1.96 2.92 4.74 7.29 12.86 $25,000 0.95 0.95 1.20 1.33 1.68 2.45 3.65 5.93 9.11 16.08 $30,000 1.14 1.14 1.44 1.59 2.01 2.94 4.38 7.11 10.94 19.29 $35,000 1.33 1.33 1.68 1.86 2.35 3.43 5.11 8.30 12.76 22.51 $40,000 1.52 1.52 1.92 2.12 2.68 3.92 5.84 9.48 14.58 25.72 $45,000 1.71 1.71 2.16 2.39 3.02 4.41 6.57 10.67 16.40 28.94 $50,000 1.90 1.90 2.40 2.65 3.35 4.90 7.30 11.85 18.23 32.15 $55,000 2.09 2.09 2.64 2.92 3.69 5.39 8.03 13.04 20.05 35.37 $60,000 2.28 2.28 2.88 3.18 4.02 5.88 8.76 14.22 21.87 38.58 $65,000 2.47 2.47 3.12 3.45 4.36 6.37 9.49 15.41 23.69 41.80 $70,000 2.66 2.66 3.36 3.71 4.69 6.86 10.22 16.59 25.52 45.01 $75,000 2.85 2.85 3.60 3.98 5.03 7.35 10.95 17.78 27.34 48.23 $80,000 3.04 3.04 3.84 4.24 5.36 7.84 11.68 18.96 29.16 51.44 $85,000 3.23 3.23 4.08 4.51 5.70 8.33 12.41 20.15 30.98 54.66 $90,000 3.42 3.42 4.32 4.77 6.03 8.82 13.14 21.33 32.81 57.87 $95,000 3.61 3.61 4.56 5.04 6.37 9.31 13.87 22.52 34.63 61.09 $100,000 3.80 3.80 4.80 5.30 6.70 9.80 14.60 23.70 36.45 64.30 Child - Coverage and semi-monthly cost for Child Voluntary Life and AD&D. Rates are effective as of April 1, 2025. The chart below shows possible coverage amounts and their semi-monthly costs. Coverage amounts Cost per pay period $1,000 0.15 $2,000 0.29 $4,000 0.58 $5,000 0.73 $10,000 1.46 Voluntary Life Insurance Rates 800-247-6875 · sunlife.com/us