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BENEFITS SUMMARY

2027

EMPLOYEE BENEFITS GUIDE

WELCOME! Future Standard recognizes how important benefits are to you. That is why we are committed to helping you and your family enjoy the best possible physical, financial, and emotional well-being.

INSIDE THIS GUIDE Eligibility + Enrollment

Basic Life + Disability Benefits

Medical + Prescription Benefits

Supplemental Term Life + AD&D 20

Telemedicine

Additional Resources

It is also why we provide you with a highly comprehensive benefits package that allows you the flexibility to make the choices that best meet your needs.

Vision Benefits

Voluntary Benefits

Health Savings Account

Pre-Paid Legal Plan

IBX Programs + Services

Identity Theft Protection

Use this guide to better understand the benefits offered by Future Standard, then be sure to enroll during your enrollment period, so that you receive the benefits you want for 2027.

Dental Benefits

Pet Discount Programs

Family Planning + Support

Benefits MAC + BenePortal

Guardian Nurses

Benefit Perks

Pre-Tax Spending Accounts

Carrier Contacts

401(k) Retirement Plan

Appendix

Please review this guide before you enroll in benefits for 2027. To enroll, follow the steps below.

Log into FS Inside and go to your Apps in the upper right menu. Select the Dayforce icon.

Once you have logged in, click on the Benefits icon located to the left. Click on ”Start Enrollment” to begin enrollment.

Contact Conner Strong & Buckelew’s Member Advocacy Team (our Employee Benefits Plan Advisors) for help comparing, accessing, or using your benefits—during Open Enrollment or any time—at 800-563-9929 or www.connerstrong.com/memberadvocacy.

2027 LEGAL NOTICES Click here or scan the QR code to access legal and compliance notices, including information regarding your prescription drug coverage and Medicare. 2 2027 BENEFITS GUIDE

ELIGIBILITY + ENROLLMENT What you need to know Eligibility

Making Plan Changes: Qualifying Life Events (QLE) Unless you experience a Qualifying Life Event, you cannot make changes to your benefits until the next Open Enrollment period. QLEs include: • Marriage • Childbirth + adoption

EMPLOYEE COVERAGE

• Divorce or legal separation

Full-time and qualified part-time Future Standard employees who work at least 30 hours per week are eligible to participate in the benefits program.1

• Death of spouse or dependent

DEPENDENT COVERAGE

• Gain/loss of eligibility for Medicare or Medicaid

In addition to electing coverage for yourself, you may elect to cover your legal spouse or domestic partner3 and your child(ren).2

When does coverage begin? The elections you make are effective January 1, 2027, or upon date of hire. 1 2 3

Employees regularly scheduled to work at least 30 hours each week may be eligible for coverage under the company’s group medical coverage. Medical and dental coverage is available up to age 26 regardless of marital status, student status, financial dependency, and residence. Coverage for a legal spouse or qualifying tax dependent may be tax-free. Coverage for a domestic partner or other individual who is not your spouse or qualifying tax dependent may result in imputed taxable income and after-tax contributions. You may need to certify tax-dependent status and notify the Company of any changes

• Change in coverage through a spouse’s plan • Loss of dependent status

• Gain/loss of eligibility for a Children’s Health Insurance Program (CHIP) • Receiving a Qualified Medical Child Support Order (QMCSO) For any allowable changes, you must inform Human Resources within 31 calendar days of the event to avoid a lapse in coverage. A special 60-day notification period applies to changes related to Medicaid or CHIP eligibility.

2027 BENEFITS GUIDE 3

MEDICAL + PRESCRIPTION BENEFITS Independence Blue Cross (IBX) — HDHP Plan This table highlights some of the benefits provided under the HDHP Plan option. For a complete listing of the benefits available, please refer to www.myfsbenefits.com. All IBX plans allow members access to the national Blue Cross Blue Shield network of BC & BS plans across the US. This network is known as Blue Card. HDHP PLAN

IN-NETWORK

OUT-OF-NETWORK1

Deductible Individual/Family

$2,500/$5,000

$5,000/$10,000

Out-of-Pocket Maximum2 Individual/Family

$5,000/$10,000

$10,000/$20,000

Preventive Care Services

Plan pays 100%, no deductible

Plan pays 50%, no deductible

Physician Office Visit

Plan pays 100% after deductible

Plan pays 50% after deductible

Outpatient Laboratory Services

Plan pays 100% after deductible

Plan pays 50% after deductible

Specialist Office Visit

Plan pays 100% after deductible

Plan pays 50% after deductible

Telemedicine

Plan pays 100% after deductible

Plan pays 50% after deductible

Urgent Care Center

Plan pays 100% after deductible

Plan pays 50% after deductible

Emergency Room

Plan pays 100% after deductible

Covered at in-network level

Inpatient Hospital

Plan pays 100% after deductible

Plan pays 50% after deductible

Outpatient Surgery

Plan pays 100% after deductible

Plan pays 50% after deductible

IN-NETWORK

OUT-OF-NETWORK1

PRESCRIPTION BENEFITS Retail (Up to a 30-day supply) Generic Formulary Brand Formulary Brand Non-Formulary

$20 copay after deductible $40 copay after deductible $60 copay after deductible

Mail Order (Up to a 90-day supply) Generic Formulary Brand Formulary Brand Non-Formulary

$40 copay after deductible $80 copay after deductible $120 copay after deductible

Plan pays 50% after deductible

Not covered

MONTHLY EMPLOYEE CONTRIBUTIONS3

2 3

Employee Only

$125

Employee + Spouse

$380

Employee + Child(ren)

$225

Family

$505

Out-of-network providers may bill you for differences between the plan allowance, which is the amount reimbursed by IBX, and the actual charge of the provider. Members are responsible for paying any difference between the allowance and the IBX amount. In-network out-of-pocket maximum includes deductible and Rx copays. These contributions are taken pre-tax as a section 125 deduction from your paycheck.

4 2027 BENEFITS GUIDE

DID YOU KNOW?

With your Health Savings Account (HSA), you are able to use pre-tax dollars to cover your deductions. You can log into your Independence Blue Cross account and see your HSA balance. You can also review claims, pay the provider directly or get reimbursed from your HSA if you’ve already paid out of pocket. See page 11 for more details about the HSA.

TELEMEDICINE — GET QUALITY CARE FROM ANYWHERE! Whether you’re traveling out of town or you prefer to speak to a doctor from the comfort of your home, members have access to medical care via phone or video consultation with telemedicine.

MEDICAL + PRESCRIPTION BENEFITS Independence Blue Cross (IBX) — Copay Plan This table highlights some of the benefits provided under the Copay Plan option. For a complete listing of the benefits available, please refer to www.myfsbenefits.com. All IBX plans allow members access to the national Blue Cross Blue Shield network of BC & BS plans across the US. This network is known as Blue Card. COPAY PLAN

IN-NETWORK

OUT-OF-NETWORK1

Deductible Individual/Family

$1,000/$2,000

$5,000/$10,000

Out-of-Pocket Maximum2 Individual/Family

$6,000/$12,000

$10,000/$20,000

Preventive Care Services

Plan pays 100%, no deductible

Plan pays 50%, no deductible

Physician Office Visit

$25 copay, no deductible4

Plan pays 50% after deductible

Outpatient Laboratory Services

$50 copay, no deductible

Plan pays 50% after deductible

Specialist Office Visit

$45 copay, no deductible4

Plan pays 50% after deductible

Telemedicine

$25 copay, no deductible4

Plan pays 50% after deductible

Urgent Care Center

$50 copay, no deductible4

Plan pays 50% after deductible

Emergency Room

$250 copay, no deductible (waived if admitted)

Covered at in-network level

Inpatient Hospital

Plan pays 90% after deductible

Plan pays 50% after deductible

Outpatient Surgery

Plan pays 90% after deductible

Plan pays 50% after deductible

IN-NETWORK

OUT-OF-NETWORK1

Retail (Up to a 30-day supply) Generic Formulary Brand Formulary Brand Non-Formulary

$10 copay $35 copay $70 copay

30% reimbursement

Mail Order (Up to a 90-day supply) Generic Formulary Brand Formulary Brand Non-Formulary

$20 copay $70 copay $140 copay

PRESCRIPTION BENEFITS

Not covered

MONTHLY EMPLOYEE CONTRIBUTIONS3 Employee Only

$170

Employee + Spouse

$460

Employee + Child(ren)

$345

Family

$600

In-network out-of-pocket maximum includes deductible, copays and coinsurance. Out-of-network out-of-pocket maximum only includes coinsurance.

These contributions are taken pre-tax as a section 125 deduction from your paycheck.

Copays for services where the deductible does not apply do not count toward the deductible. They do count toward the in-network out-of-pocket maximum.

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-563-9929 or www.connerstrong.com/memberadvocacy.

TELEMEDICINE — GET QUALITY CARE FROM ANYWHERE!

Whether you’re traveling out of town or you prefer to speak to a doctor from the comfort of your home, members have access to medical care via phone or video consultation with telemedicine. 2027 BENEFITS GUIDE 5

MEDICAL + PRESCRIPTION BENEFITS Independence Blue Cross (IBX) — $0 Deductible Plan This table highlights some of the benefits provided under the $0 Deductible Plan option. For a complete listing of the benefits available, please refer to www.myfsbenefits.com. All IBX plans allow members access to the national Blue Cross Blue Shield network of BC & BS plans across the US. This network is known as Blue Card. $0 DEDUCTIBLE PLAN

IN-NETWORK

Deductible Individual/Family

$0/$0

Out-of-Pocket Maximum Individual/Family

$0/$0

Preventive Care Services

Physician Office Visit

Outpatient Laboratory Services

Specialist Office Visit

Telemedicine

Urgent Care Center

Emergency Room

Inpatient Hospital

Outpatient Surgery

PRESCRIPTION BENEFITS

OUT-OF-NETWORK1

Out-of-network care is reimbursed up to the in-network allowed amount; you are responsible for any provider charges above that amount.

IN-NETWORK

OUT-OF-NETWORK1

Retail (Up to a 30-day supply) Generic Formulary Brand Formulary Brand Non-Formulary

Mail Order (Up to a 90-day supply) Generic Formulary Brand Formulary Brand Non-Formulary

Not covered

MONTHLY EMPLOYEE CONTRIBUTIONS2 Employee Only

$400

Employee + Spouse

$1,035

Employee + Child(ren)

$700

Family

$1,265

Out-of-network providers may bill you for differences between the plan allowance, which is the amount reimbursed by IBX, and the actual charge of the provider. Members are responsible for paying any difference between the allowance and the IBX amount. These contributions are taken pre-tax as a section 125 deduction from your paycheck.

2027 BENEFITS GUIDE

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-563-9929 or www.connerstrong. com/memberadvocacy.

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-5639929 or www.connerstrong.com/ memberadvocacy.

MANAGING YOUR

MEDICAL + PRESCRIPTION BENEFITS MANAGE YOUR HEALTHCARE COSTS Most preventive care and routine checkups are covered at 100% with no deductible, as long as the service is rendered by an in-network provider/facility. Some examples include screenings for diabetes, breast cancer, prostate cancer, thyroid disease and cholesterol. If you need other services that are out of network, or that are not preventive in nature, please consult the “Care Cost Estimator” accessed through the IBX portal. This will allow you to research costs and providers that best meet your needs.

LIMIT YOUR USE OF OUT-OF-NETWORK PROVIDERS WHENEVER POSSIBLE The percentage of cost covered for out-of-network care is based on the plan allowance. If the plan allowance is less than the provider’s actual charge, the provider may bill you for the difference between these two amounts. The amount you are required to pay out of pocket may be significant. Additionally, out-of-network providers are not required to submit claims on your behalf. The claim submission process may become your responsibility.

CHOOSE FORMULARY MEDICATIONS A formulary list provides information about an insurance company’s list of preferred prescription medications. These are typically medications that have been found to effectively treat most medical conditions at a reasonable cost. Please refer to myfsbenefits.com/ formulary to view a copy of the formulary list. Please be aware that the formulary list is subject to change at any time. If you are taking a non-formulary medication, talk to your doctor about formulary alternatives.

CONSIDER YOUR OPTIONS

FOLLOW PLAN RULES TO AVOID PENALTIES

For non-emergency medical attention, there are several places you can go for care: retail health clinics, urgent care centers or your doctor’s office. You will typically pay less for covered services when you visit providers that are part of your medical plan’s network.

Precertification: Certain services require precertification/pre-approval by Independence Blue Cross. In-network providers will obtain precertification for you. It is your responsibility to obtain precertification for out-of-network services. You may be subject to a reduction in benefits if you do not obtain precertification for out-of-network services. Refer to the Independence Blue Cross Summary of Benefits and Coverage for a listing of services requiring precertification.

Some doctors offer a telemedicine program to help control costs. To search for in-network providers visit ibx.com.

2027 BENEFITS GUIDE 7

TELEMEDICINE Teladoc You and your dependents have access to a telemedicine benefit through Teladoc, a convenient, low-cost option when you can’t get to a doctor.

About Teladoc Consult with a board-certified doctor by phone, secure video, or Teladoc App anytime, from anywhere! The average wait time is less than 10 minutes. Members enrolled in any of the three medical plans have access to Teladoc. Member costs vary by plan.

CONDITIONS TREATED BY TELADOC INCLUDE: • Allergies

• Nausea/Vomiting

• Behavioral Health Services

• Respiratory Problems

• Cold/Flu

• Urinary Problems/ UTI

• Constipation • Dermatology • Diarrhea

• Vaginitis • And More!

• Headache

Get Started Why wait for the care you need? Contact Teladoc and feel better now! • Visit www.teladochealth.com • Call 800-835-2362 • Download the Teladoc App from the App Store or Google Play Store

8 2027 BENEFITS GUIDE

VISION BENEFITS Davis Vision

Vision coverage is automatically included with your health plan election.

IN-NETWORK

OUT-OF-NETWORK REIMBURSEMENT

Exam

$0 copay

Up to $40

Frames

Davis Vision Collection of frames: $0 fashion + designer selection or $25 premier selection

N/A

$0 copay $0 copay $0 copay $0 copay

Up to $40 Up to $60 Up to $80 Up to $100

Contact Lenses (in lieu of eyeglasses) Elective Medically necessary

$130 allowance; 15% off balance over $130 Covered 100% with prior approval

Up to $105 Up to $225

Contact Lens Fit/Follow-up Standard Specialty

$0 copay $60 allowance; 15% off balance over $60

Up to $50

Every 12 months Every 12 months Every 12 months

BENEFIT DESCRIPTION

$130 allowance; 20% off balance over $130;

Lenses Single Vision Bifocal / Standard Progressive Trifocal Lenticular

Frequency Vision Exam Lenses Frames

Laser Eye Surgery Benefits Did you know? Davis Vision members receive up to 25% off retail or promotional price of LASIK or PRK within the U.S. Laser Network.

VISION BENEFITS

NEW for 2027, you can choose between two voluntary buy-up vision plans.

VSP1 VSP BASE PLAN Benefit Description

In-Network

Out-of-network Reimbursement

Exam

$0 copay

Up to $40

Frames

$150 allowance; 20% off balance. $200 allowance on featured frame brands

up to $50

$0 copay $0 copay $0 copay

Up to $30 Up to $50 Up to $60

Up to $60; $200 allowance

Up to $100

Every 12 months Every 12 months Every 12 months

Benefit Description

In-Network

Out-of-network Reimbursement

Exam

$0 copay

Up to $40

Frames

$250 allowance; 20% off balance. $300 allowance on featured frame brands

up to $50

$0 copay $0 copay $0 copay

Up to $30 Up to $50 Up to $60

Up to $60; $250 allowance

Up to $100

Every 12 months Every 12 months Every 12 months

Lenses Single Vision Bifocal / Standard Progressive Trifocal Contact Lenses (in lieu of eyeglasses) Frequency Vision Exam Lenses Frames VSP BUY-UP PLAN

Lenses Single Vision Bifocal / Standard Progressive Trifocal Contact Lenses (in lieu of eyeglasses) Frequency Vision Exam Lenses Frames MONTHLY EMPLOYEE CONTRIBUTIONS Base Plan

Buy-Up Plan

Employee Only

$12

$16

Employee + Spouse

$23

$31

Employee + Child(ren)

$25

$33

Family

$39

$53

10 2027 BENEFITS GUIDE

Minimum participation requirement is 10 employee enrollments. If requirement is not reached plan will not be implemented.

HEALTH SAVINGS ACCOUNT (HSA) If you enroll in the HDHP Plan, you may contribute funds to an HSA on a pre-tax basis. The funds you contribute can be used to offset your out-ofpocket healthcare costs. HSA CONTRIBUTIONS In addition to the funds you contribute, Future Standard will contribute to your HSA as outlined in the chart. If you are age 55 or older, you may contribute an additional $1,000 as a catch-up contribution (regardless of your medical plan coverage level).

MEDICAL COVERAGE TIER

EMPLOYER FUNDING

2027 MAXIMUM CONTRIBUTION

Employee-Only

$600

$4,500

Employee + Dependents

$1,200

$9,000

ABOUT THE HSA

HSA DEBIT CARD

An HSA is a great way to save money by allowing you to set aside pre-tax dollars, via payroll deductions, to efficiently pay for qualified healthcare, dental and vision expenses. The funds in your HSA never expire, and you may utilize the money you accumulate for future healthcare expenses, even if you change jobs or retire.

When you enroll in an HSA, you will automatically receive a debit card that can be used to pay for any eligible expenses. Each time you swipe your card, the amount of the expense is deducted from your HSA account. IRS guidelines require you keep receipts for any expense for which you receive reimbursement.

GETTING STARTED

ELIGIBLE EXPENSES

Click here to learn more about eligibility requirements. If you have an HSA from a prior employer, you may roll it over into this account. New hire contributions will be prorated based on month of hire.

The IRS determines which expenses qualify for reimbursement from an HSA. Examples of eligible expenses include:

To receive the HSA contributions from Future Standard, you MUST elect the Health Savings Account benefit in Dayforce. You do not need to contribute to the HSA in order to receive the Future Standard contribution.

• Prescribed medications

INVESTMENT OPTIONS

• Dental cleaning, sealants, fluoride treatments, extractions and orthodontia

Once you reach a balance of $500 in your HSA, you can choose from the account’s options for investing your balance. Interest and investment earnings are also tax-free.

• Deductibles • Physician office visits including mental health professionals and chiropractors • Ambulance, emergency room and X-rays

• Eye exams, contact lenses, glasses and eye surgery For a full list of eligible expenses, see publications 502 and 969 here.

TRIPLE-TAX ADVANTAGES HSA contributions are tax deductible, you can spend the money tax free, and any growth is tax-free. 2027 BENEFITS GUIDE 11

IBX PROGRAMS + SERVICES These resources are available at no cost to employees enrolled in a Future Standard IBX medical plan. To explore available programs, log in to your IBX member portal and select Coverage & Benefits, then Additional Benefits and Programs. ACHIEVE WELL-BEING HEALTH TOOLS® Take control of your health with a variety of tools, such as a symptom checker and trackers for diet, exercise, calories burned, stress, etc.

BABY BLUEPRINTS® IBX’s maternity program is designed to help you be healthy, confident and comfortable throughout your pregnancy.

BLUE365® Save on health-related products and services with exclusive value-added discounts and offers from leading national companies.

CASE MANAGEMENT This confidential program assists members who are facing a serious illness or medical condition. Case management offers support and guidance from a Registered Nurse Health Coach to those dealing with health concerns.

COLLEGE TUITION BENEFIT IBX’s rewards based program can help you save for sending a child or loved one to college. Earn Tuition Rewards Points that can be used at more than 400 participating colleges and universities nationwide.

12 2027 BENEFITS GUIDE

CONDITION MANAGEMENT

NUTRITIONAL COUNSELING

Get the information and support you need to make the health decisions that are right for you. The program provides resources and support from a Registered Nurse Health Coach for conditions such as COPD, asthma, heart failure, and other chronic conditions.

Members can schedule up to six (6) free visits per year with a registered dietitian. Search for a participating registered dietitian using the provider directory at ibx.com/providerfinder.

FITNESS Receive up to $150 reimbursement of your fitness center fees.

FLU VACCINATIONS Flu vaccinations are covered 100% as preventive care.

GRADFIN

PERSONAL HEALTH RECORD This online tool helps you keep track of all your medical claims history and claims data.

STRESS MANAGEMENT Discover ways to let go of stress with free stress management videos, articles and programs through the Achieve Well-Being online tools.

TOBACCO CESSATION

Find the best strategies for paying for college and paying back loans through loan refinancing and consolidation.

Receive up to $150 reimbursement when you complete an approved program to help you quit smoking.

Save thousands of dollars over the term of your loan and get on the path to forgetting your debt.

WEIGHT MANAGEMENT

IBX MOBILE APP Available for iOS and Android. Find a doctor, view claims, find referrals and view your ID card.

IBX WIRE DIGITAL ENGAGEMENT PROGRAM Sign up for email and text alerts at ibx.com/getconnected to get personalized reminders about your health and notifications to help you access important plan information.

IBX will reimburse up to $150 for approved weight management programs.

WELL-BEING PROFILE This is an online health assessment that provides a snapshot of your health and personalizes an action plan to help you get healthy.

WELLNESS GUIDELINES FOR EARLY DETECTION A list of nationally recommended health screenings for men and women helps remind you when it’s time to schedule your appointments.

DENTAL BENEFITS MetLife The MetLife dental offering provides employees with a choice of two levels of coverage. Plan details are outlined on the following page. ABOUT THE PLANS • Plan 1 covers routine and basic care. Plan 2 covers additional items including orthodontia (both child and adult), and major restorative services. Both plans feature the same choices of network dentists on the PDP Plus network • Visiting a MetLife PDP provider offers a greater potential for savings, but members may use any provider. See chart on following page for additional details • You may visit any dentist of your choice. However, whether the dentist is in the PDP Plus network or out of network will impact the cost to you • MetLife does not print ID cards • MetLife can verify benefits for any dentist by having them call (800)-GET-MET8 and providing the patient and employer name (Franklin Square Holdings)

TO ACCESS YOUR IN-NETWORK OPTIONS: 1.

Go to metlife.com

Use the Find a Dentist function to explore your network options. Select the PDP Plus network

MONTHLY EMPLOYEE CONTRIBUTIONS1

Coverage Tier

Plan 1

Plan 2

Employee Only

$10

$15

Employee + Spouse

$20

$25

Employee + Child(ren)

$20

$25

Family

$35

$45

These contributions are taken pre-tax as a section 125 deduction from your paycheck.

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-563-9929 or www.connerstrong.com/ memberadvocacy.

DENTAL PLAN DETAILS Plan 1 + Plan 2

BENEFIT

PLAN 1

PLAN 2

PDP Plus Dentists (PPO Contracted Fees)

Non-Metlife Dentist (99th Percentile UCR)1

PDP Plus Dentists (PPO Contracted Fees)

Non-Metlife Dentist (99th Percentile UCR)1

Calendar Year Deductible2 Individual/Family

$50/$150

Calendar Year Maximum (Per patient)

$1,750

$2,000

Lifetime Orthodontia Maximum (Per patient)

N/A

$2,000

Exams and Cleanings Once every 6 months

Plan pays 100%

Bitewing X-Rays Once every 12 months

Plan pays 100%

Sealants Once every 6 months; children to age 14

Plan pays 100%

Fluoride Treatment Once every 12 months; children to age 14

Plan pays 100%

Basic Services Fillings, extractions, endodontics (root canal), periodontics, oral surgery

Plan pays 100%

Plan pays 80%

Plan pays 100%

Plan pays 80%

Major Services Crowns, bridgework, full and partial dentures, implants

Not covered

Plan pays 60%

Plan pays 50%

Orthodontia Services

Not covered

Plan pays 50%

Denture Repair/Relining

Not covered

Plan pays 100%

Plan pays 80%

1 2

Non-network dentists are paid based on an independent evaluation of the Usual Customary & Reasonable charges. The provider reimbursement is the lesser of the 99th percentile of dentists in that ZIP code charge OR the billed amount. Does not apply to diagnostic, preventive and orthodontic services.

2027 BENEFITS GUIDE

24/7 IBX Health Information Line Members have round-the-clock access to a Registered Nurse Health Coach for all of their health-related questions and concerns by calling 1-800-ASKBLUE*. Dial 2 for Policy Holder. Enter your member ID (numbers only) and date of birth. When prompted, say “Health Coach.” * (1-800-275-2583; TTY/TDD: 711)

FAMILY PLANNING + FERTILITY Through IBX Full-spectrum coverage that includes both standard and advanced reproductive techniques, as well as cryopreservation and storage for those with or without a diagnosis of infertility. Standard coverage includes but is not limited to office visits, diagnostic testing, fertility drugs and artificial insemination. Advanced reproductive techniques include but are not limited to in vitro fertilization, frozen embryo transfer and sperm retrieval techniques. Please refer to the fertility benefit section of myfsbenefits.com to view an extensive list of options.

NEW PARENT LACTATION SUPPORT + SNOO BASSINET RENTAL Milk Stork Overview Milk Stork supports employees who are breastfeeding by providing convenient options to ship or transport breast milk while traveling for business. Employees are eligible for a 6-month SNOO smart bassinet rental for their newborns.

How It Works Order a Milk Stork shipping kit before or during travel and have it delivered to your hotel or home. After pumping, use the prepaid, temperature-controlled packaging to ship your breast milk home. Milk Stork manages the shipping and support. Employees can access the benefit using the app on FS Inside.

Key Features • Overnight domestic and international breast milk shipping • 6-month SNOO smart bassinet rental (where available) Available to benefits-eligible Future Standard employees. Specific eligibility requirements may apply.

MEDICAL AND PRESCRIPTION (INJECTABLES) • Contingent upon health plan election

LIFETIME MAXIMUM • There is a $40,0001 lifetime maximum for fertility medical benefits, and a $15,0001 lifetime maximum for related injectable medications 1

Members enrolled in the HDHP Plan must satisfy the applicable deductible before fertility benefits become payable under the plan. 15

GUARDIAN NURSES Need help navigating a healthcare issue? If you or someone you love is ill or injured, chances are you could use some help. Guardian Nurses is a team of Registered Nurses who have one goal: To make the healthcare system work for patients and families.

NURSE ADVOCATES CAN: • Visit you at home or in the hospital to assess your care needs • Be your guide, coach and advocate for any healthcare issue • Make appointments so you can be seen as quickly as possible • Go with you to see doctors, to ask questions and to get answers • Identify providers for all care needs and second opinions • Resolve problems with billing, claims and health insurance • Get things you need such as healthcare equipment • Provide decision support when you are thinking about treatment options

Getting Started For more information about Guardian Nurses, call: 215-836-0260 option 3 (888-836-0260 toll-free). 16 2027 BENEFITS GUIDE

PRE-TAX SPENDING ACCOUNTS HealthEquity You may elect to participate in the following pre-tax spending accounts.1,2,3 Click here to learn more about eligibility requirements. Limited Purpose Healthcare FSA

Dependent Care FSA

For employees who elect the HDHP Plan

You may deposit up to $7,500 per plan year into a Dependent Care Flexible Spending Account (DCFSA) ($3,750 if you are married and you and your spouse file individual income tax returns). Unused 2027 Dependent Care FSA funds may be used for eligible expenses incurred through March 15, 2028. Claims must be submitted by March 31, 2028. Any remaining unused funds will be forfeited.

A Limited Purpose Healthcare Flexible Spending Account (LPFSA) is available to you in addition to an HSA. Each employee may deposit up to $3,400 per plan year to pay for eligible dental and vision expenses. After the IRS HDHP minimum deductible is met, LPFSA moves to full Healthcare FSA. The IRS HDHP minimum deductible is $1,700 for self-only coverage or $3,400 for family coverage. Once you meet the applicable minimum deductible, your LPFSA expands to cover eligible medical expenses. Your full election will be available immediately, but payroll deductions are spread evenly across all pay periods in the year.

Healthcare FSA For employees who elect Copay Plan, $0 Deductible Plan or waive Future Standard health benefits A Healthcare FSA (HCFSA) lets you set aside pre-tax dollars from your paycheck to pay for eligible medical, dental, and vision expenses. You can use your HCFSA funds for items such as doctor visit copays, prescription medications, dental cleanings, orthodontia, eyeglasses, contact lenses, and over-the-counter health products. Because your contributions are made pre-tax, you can lower your taxable income and make the most of your healthcare dollars. The annual maximum amount you may contribute is $3,400 per calendar year.

LPFSA + HCFSA Rollover You may carry over up to $680 in unused 2027 LPFSA or Healthcare FSA funds into 2028. Claims for expenses incurred during 2027 must be submitted by March 31, 2028. Any unused funds above the carryover limit remaining after eligible claims are processed will be forfeited. 1 K-1 Partners are not eligible to participate in the Pre-Tax Spending Accounts 2. The contribution and catch-up limits shown reflect 2026 IRS limits 3. For account-specific rollover rules and what happens to your funds when employment ends, see page 28

Eligible expenses include, but are not limited to: Payments to day care centers, preschool costs (up to, but not including, kindergarten), after-school care, summer programs for children age 12 and under, and eligible eldercare. Eligible expenses may only be reimbursed as funds are available in your account.

Commuter Benefits • Transit: Contribute up to $340 per month for eligible mass transit or commuter highway vehicle expenses. You can use the commuter card for eligible transit purchases. • Parking: Contribute up to $340 per month for eligible parking expenses. Parking is reimbursement only: pay the expense first, then submit a claim to HealthEquity. Click HERE to submit a claim.

If you enroll in transit benefits and/or the Healthcare FSA or the Limited Purpose Healthcare FSA, you will receive a HealthEquity card to pay for eligible expenses. You will use the same HealthEquity card for all applicable accounts, with each purchase deducted from the appropriate account. Dependent Care FSA and parking expenses are reimbursed through HealthEquity. Pay these expenses yourself, then submit a claim for reimbursement. IRS guidelines require you to keep receipts for any expenses for which you receive reimbursement. For more information or questions, contact HealthEquity at 877-924-3967. 2027 BENEFITS GUIDE 17

401(K) RETIREMENT PLAN Fidelity

Future Standard offers a Fidelity 401(k) Retirement Savings Plan to all eligible full-time and part-time employees. ABOUT THE PLAN All eligible employees have the option of deferring up to $24,5001 of their salary on a pre- or post-tax basis, subject to IRS annual percentage limits, through the 401(k) plan. Employees 50 and over may contribute an extra $8,0001 as catch-up contributions. Employees ages 60 to 63 are eligible for an enhanced “super catch-up” contribution of up to $11,2501 under the SECURE 2.0 Act. Eligible new hires who do not make their own election will be automatically enrolled at a 6% contribution rate after 35 days of hire. You may change your contribution rate at any time. The Plan Document is available on FS Inside. Please log into your Fidelity NetBenefits account at www.401k.com to review or change your contribution.

EMPLOYER MATCH Future Standard provides a 100% match for up to 6% of contributions for all employees. You must be employed on December 31 in order to receive the match. 1

The contribution and catch-up limits shown reflect 2026 IRS limits.

How to enroll For detailed instructions on how to enroll, or to obtain a Fidelity transfer (rollover) form, please visit the Human Resources section of fsinside.com.

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BASIC LIFE + DISABILITY BENEFITS New York Life Basic Life and AD&D Insurance Future Standard pays the premiums for basic life and disability insurance. Life insurance is an important part of your financial security. That’s why Future Standard provides eligible employees with Basic Life and Accidental Death and Dismemberment (AD&D) Insurance. Your benefit amount equals two times your annual salary up to a maximum of $450,000.

Short-Term Disability Insurance Company-paid short-term disability (STD) insurance provides income protection in the event of a non-workrelated illness or injury. Benefits become effective one day after an accident/injury or after seven consecutive calendar days for an illness. You may receive 100% of base weekly salary for up to 13 weeks.

Long-Term Disability Insurance The long-term disability (LTD) benefits that are available to you replace a certain percentage of your salary. If you remain disabled for 90 consecutive calendar days, you may apply for LTD benefits. If your request is approved by New York Life, our disability carrier, you will receive a monthly tax-free benefit that equals 60% of your monthly salary up to a maximum of $20,000 per month. Please contact Human Resources for more details. If permanently disabled, benefits will continue to be payable up to Social Security normal retirement age.

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-563-9929 or www.connerstrong.com/memberadvocacy.

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SUPPLEMENTAL TERM LIFE + AD&D New York Life While Future Standard provides Basic Life and AD&D, some employees may be interested in additional coverage. Since this plan is optional, the employee is responsible for 100% of the premium. You can purchase coverage for yourself and for your spouse and/or dependent child(ren). NOTE: You must purchase Supplemental Employee Term Life Insurance for yourself to participate in Spouse and/or Child(ren) Term Life Plans and/or Supplemental AD&D coverage for yourself to participate in Spouse and/or Child(ren) Supplemental AD&D.

EVIDENCE OF INSURABILITY REQUIREMENTS Any employee or spouse who declined coverage during their initial enrollment period and enrolls in Voluntary Life for 2027 is required to complete Evidence of Insurability (EOI). EOI is also required for any future increases to previously elected benefit amount levels. If you are a new hire in 2027, you are only required to submit EOI for a benefit amount level greater than the Guaranteed Issue amount of $170,000 for yourself and $25,000 for spouse.

SUPPLEMENTAL LIFE AND AD&D COVERAGE Employee Life Benefit

Increments of $10,000 to the lesser of 5x salary or $750,000

Spouse Life Benefit

Increments of $5,000 up to the lesser of $250,000 or 100% of employee amount

Child(ren) Life Benefit Includes all dependent children up to age 26

Increments of $1,000 to a maximum of $10,000. The maximum for a child from birth to 6 months is $1,000

Employee AD&D Benefit

Increments of $10,000 to the lesser of 5x salary or $750,000

Spouse AD&D Benefit

Increments of $5,000 to a maximum of $500,000

Child(ren) AD&D Benefit Includes all dependent children up to age 26

Increments of $1,000 to a maximum of $10,000

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ADDITIONAL RESOURCES New York Life

The programs below are available to all benefit-eligible Future Standard employees, regardless of which medical plan they choose.

Employee Assistance + Wellness Support We know that access to mental health resources is key. Our program offers three face-to-face counseling sessions with certified clinicians as well as up to five telehealth resiliency coaching sessions from a certified counselor. Our program also offers Critical Incident support. Additional resources include wellness articles, podcasts, videos, and much more. The Employee Assistance Program is also available to members of your household. All services are available 24 hours a day, seven days a week. To get started, call 800-344-9752 or visit guidanceresources.com.

Financial, Legal + Estate Support This program provides financial guidance, identitytheft assistance, online will and estate-planning tools, and unlimited phone consultations with licensed attorneys at no additional cost. Through LegalConnect, you can also receive a referral to a local attorney for a free 30-minute consultation and a 25% discount on additional services, which you pay for separately. To get started, call 800-344-9752 or visit guidanceresources.com.

Secure Travel You can take trips with greater peace of mind with covered medical evacuations and repatriation. Family and friends are also protected through our travel companion benefits. Secure Travel can help arrange treatment when a provider requires payment up front, but it does not cover the underlying medical bill, including ER or urgent care charges. Services also include pre-trip planning and 24/7/365 support when on the road more than 100 miles away. To get started, call 347-708-1824.

Survivor Assurance Losing a loved one is difficult. That’s why our Survivor Assurance service can help ease the burden on beneficiaries by managing their insurance benefits in free, interest-bearing accounts for claim payments of $5,000 or more and beneficiary access to our Employee Assistance & Wellness and Financial, Legal, & Estate support programs. To get started, call 800225-5695 or visit nylgbssurvivorassurance.com.

HOUSING WELLNESS PROGRAM Oro As part of our commitment to employee well-being, we offer access to the Oro Housing Wellness Platform. This confidential service provides tailored, one-on-one support from experienced housing experts to help you reduce financial stress and achieve real cost savings on your most significant expense—housing. Key features include personalized housing concierge assistance, tools to track and improve your credit (such as ontime rent reporting), homebuyer education courses, a database of down payment assistance programs, referrals to qualified lenders and agents, home maintenance and repair resources, and tax and legal guidance for homeowners. Whether you are renting, planning to buy a home, or looking for ways to optimize your housing costs, the Oro Platform offers practical tools and expert advice to support your path. To get started, email concierge@oroimpact.com. 2027 BENEFITS GUIDE 21

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-563-9929 or www.connerstrong.com/memberadvocacy.

VOLUNTARY BENEFITS New York Life You have the option of enrolling in the following voluntary benefits through New York Life. These benefits are 100% paid for by the employee. Critical Illness Insurance Everyone has different needs coping with a critical illness. With Critical Illness insurance, you get a benefit paid directly to the covered person, unless otherwise assigned, if they are diagnosed with a covered critical illness, like cancer, heart attack or stroke. This plan can help ease some of your financial worries so you can stay focused on your health. You choose how to spend or save your benefit.

It can be used for expenses, such as: • Paying for childcare or help around the house • Travel costs to see a specialist • Medical treatment and doctor visits • Copays and deductibles • Prescription drug costs

Accident Insurance Accidents happen and they can affect your financial health. With Accident Insurance, you get a benefit to help pay for costs associated with a covered accident or injury. You can use the money however you’d like.

Accident Insurance covers: • Initial & emergency care • Fractures & Dislocations • Hospitalization

• Follow-up care

Hospital Indemnity Insurance A hospital stay can happen at any time, and it can be costly. Hospital Indemnity insurance helps you and your loved ones have additional financial protection. With hospital indemnity insurance, you get a benefit paid directly to the covered person, unless otherwise assigned, after a covered hospitalization resulting from a covered injury or illness.

It can be used for expenses, such as: • Copays, deductibles, and coinsurance • You can use it towards unexpected costs such as childcare, help around the house, or follow up services

For more information on coverage and policy documents, visit myfsbenefits.com/lifedisability. 22 2027 BENEFITS GUIDE

PRE-PAID LEGAL PLAN IDIQ (Formerly known as Countrywide) This plan provides all eligible employees with access to high-quality network attorneys for advice and hands-on legal help. Benefits include unlimited initial phone or in-person consultations for each separate legal matter, simple will preparation, legal document review, legal letters and calls on your behalf, and small claims assistance. Additional attorney services are available at discounted rates. You can elect the plan through a nominal payroll deduction. This plan covers you, your spouse, domestic partner and dependents up to the age of 23.

Legal services that you may need: • General advice, auto negligence, tort litigation, bad checks (both acceptor and drawer), agency questions, power of attorney, civil litigation, residential care, product liability, etc. • Auto advice, DWI/DUI charges, department of motor vehicles issues, traffic violation, accident claims by or against member, driver’s license restoration, purchase/sale of automobile, auto consumer complaint, no-fault claims, etc. • Consumer/contract advice, insurance matters, loans/notes/debtor matters, creditor matters/ bankruptcy, consumer complaints, etc. • Criminal advice, criminal probation, grand jury, juvenile petition, juvenile probation, DWI, etc.

• Estate planning advice, will, will with trust, living trust, estate planning, decedent estate, codicil, probate, fiduciary accounts, trustee matters • Family law advice, divorce, separation, adoption, name change, annulment, proof of birth, dissolution, guardianship matters, child custody, visitation, child support/non-support, post-divorce action, etc. • Real estate advice, sale and/or purchase of real estate, home improvement matters, tenant matters, deeds, mortgages, quiet title/ownership, disputes, land contracts, estates in land, construction, rent with option to buy, foreclosure and forfeiture, condemnation, etc.

NOTE:

You must utilize the network of attorneys available under the program in order to receive plan benefits. Once registering, members will receive an activation email from Support@identityIQ.com. To contact a network attorney, call 888-228-4635. For more information, visit myfsbenefits.com. Your use of the group legal plan is confidential. IDIQ (formerly known as Countrywide) shares no information about you.

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IDENTITY THEFT PROTECTION ID Shield Future Standard provides employees with comprehensive identity theft protection through ID Shield, a leading provider of identity, credit, and financial account monitoring. This benefit helps safeguard your personal information and gives you peace of mind knowing your identity is protected by industry experts. Coverage is optional and paid 100% by Future Standard. It is available to employees and their eligible family members, including a spouse or domestic partner, dependents up to age 26, and parents or parents-in-law who reside in the employee’s home. The ID Shield Plan Provides: • Full-Service Identity Restoration – Includes a $5 million service guarantee, 24/7 support, and licensed private investigators who work to fully restore your identity if it’s ever compromised • Monitored Information – Continuous monitoring of your bank accounts, credit cards, investment accounts, Social Security number, and more • Monitoring and Detection – Alerts for suspicious activity such as new account openings, credit report changes, or use of your personal information on the dark web

• Credit Protection – Monthly credit scores and reports, as well as guidance for improving and maintaining healthy credit • Online Privacy & Reputation Management – Tools to monitor and manage your online presence, social media accounts, and reputation • Unlimited Consultation – Access to experts who can advise on fraud prevention, data privacy, and security best practices

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-563-9929 or www.connerstrong.com/memberadvocacy.

24 2027 BENEFITS GUIDE

PET DISCOUNT PROGRAMS Wishbone

Pet insurance helps cover the cost of veterinary care for your pets, including unexpected illnesses, injuries, and checkups. It provides financial support so you can focus on your pet’s health.

Plan options Future Standard offers Pet Assure and PetPlus. You may choose to enroll in Pet Assure, PetPlus or both. These savings plans can also complement any existing pet insurance by providing you with additional savings on services for your pet.

PET ASSURE Pet Assure is a veterinary discount plan that will provide you with savings on all services at participating veterinarians as well as a 24/7 lost-pet recovery service. All pets are eligible, regardless of age, health, condition or pre-existing condition. The cost is $8 per month for a single pet plan, or $11 per month for an unlimited pet plan. Visit www.wishbone.pet/ to find an in-network veterinarian.

PETPLUS PetPlus is a prescription savings plan. With PetPlus you will save on brand-name prescriptions and preventatives. This plan is for cats and dogs only. You may shop online or on the PetPlus app, and shipping is always free. Most prescriptions are also available for pickup at Caremark pharmacies nationwide, including CVS, Target and Walmart. The cost is $3.75 per month for a single pet plan, or $7.50 per month for an unlimited pet plan.

DID YOU KNOW?

You can contact our advisors at Conner Strong & Buckelew for any questions on our plans or guidance on using your benefits. Contact at 800-563-9929 or www.connerstrong.com/memberadvocacy.

2027 BENEFITS GUIDE 25

BENEFITS MAC + BENEPORTAL Conner Strong & Buckelew Future Standard Benefits Portal BENEFIT INFORMATION—ONE CLICK AWAY! Future Standard Benefits Portal is a valuable online resource that houses all of our benefits information. It’s your one-stop shop for: • All benefits-related information and downloads, including benefit summaries, detailed plan documents, and legal notices and disclosures • Quick links to carrier websites • Wellness information • And much more… You and your family can access the Future Standard Benefits Portal anytime at www.myfsbenefits.com.

Benefits MAC AVAILABLE M–F, 8:30 AM TO 5:00 PM EST The Benefits Member Advocacy Center (MAC), provided by our benefits consultant Conner Strong & Buckelew, allows you to speak to a specially trained and licensed Client Service Associate who can assist with benefit claims issues, coverage questions and enrollment inquiries. Call 800-563-9929 or submit a request online at www.connerstrong.com/memberadvocacy. Member Advocates are available Monday through Friday, 8:30 am to 5:00 pm (Eastern Time). After hours, you will be able to leave a message with a live representative and receive a response by phone or email during business hours within 24 to 48 hours of your inquiry.

BENEFIT PERKS Rewards Program With CSB Benefit Perks, members gain access to premium discounts on valuable services and items. CSB Benefit Perks is a discount and rewards program provided by Conner Strong & Buckelew (CSB) that is available to all employees at no additional cost. The program allows employees to receive discounts and cash back for hand-selected shopping online at major retailers. Use the Benefit Perks website to browse through categories such as: Automotive, Beauty, Computer & Electronics, Gifts & Flowers, Health & Wellness and much more! Employees can also print coupons to present at local retailers and merchants for in-person savings, including movie theatres and other services. Start saving today by registering online at connerstrong.corestream.com.

2027 BENEFITS GUIDE

CARRIER CONTACTS The resources identified below are available to assist you with any questions that you may have about your benefits. QUESTIONS REGARDING

CONTACT

PHONE

WEBSITE/EMAIL

Benefits questions, claims issues, locating a participating provider, etc.

Member Advocacy

800-563-9929

www.connerstrong.com/ memberadvocacy

Eligibility, enrollment, plan options, contributions, qualifying life events, etc.

Human Resources

N/A

HR@futurestandard.com

Independence Blue Cross

800-275-2583

ibx.com

Teladoc Health

800-835-2362

teladochealth.com

MetLife

800-GET-MET8

metlife.com

Flexible Spending Accounts and Commuter Benefits

HealthEquity

866-346-5800

healthequity.com

Basic Life/AD&D and Disability Insurance

New York Life

800-238-2125

newyorklife.com/group-benefit-solutions/ forms

Employee Assistance Program and Wellness

New York Life/ComPsych

800-344-9752

guidanceresources.com

Financial, Legal, and Estate Support

New York Life/ComPsych

800-344-9752

guidanceresources.com

Secure Travel

New York Life

347-708-1824

Callers should indicate that they are members of group #57

Survivor Assurance

New York Life

800-225-5695

nylgbssurvivorassurance.com

Benefits Self-Service

FS Inside

N/A

fsinside.com

Healthcare Advocacy

Guardian Nurses

888-836-0260

guardiannurses.com

Pre-Paid Legal Services

IDIQ (Formerly known as Countrywide)

800-550-5297

identityiq.com

Pet Discount Program

Wishbone

800-891-2565

www.wishbone.pet/

Identity Theft/Credit Monitoring

ID Shield

866-349-3735

idshield.com

ORO

N/A

concierge@oroimpact.com

Medical/Prescription, Vision, and Health Savings Account Telemedicine

Dental

Housing Wellness Program

APPENDIX BENEFIT ACCOUNTS AFTER SEPARATION Your ability to use remaining HealthEquity funds depends on the type of account. Review the deadlines below and submit any required claims before your funds expire. Transit You may continue using the remaining balance on your HealthEquity commuter card for eligible transit expenses for 90 days. This period begins on your termination date or the date HealthEquity receives notice of your termination, whichever is later. Transit card expenses incurred during that period are eligible until the balance is exhausted or the 90 days end. You cannot submit transit expenses paid out of pocket for reimbursement. Any balance left after the 90-day period is forfeited and cannot be transferred to another plan.

Parking Parking is reimbursement only. Existing Pay Me Back elections remain available for eligible parking expenses incurred through your separation date. Expenses incurred after that date are not eligible. Submit your claim and supporting receipts to HealthEquity within 180 days after the end of the month in which your employment ends. Any funds left after the claim deadline are forfeited and cannot be transferred to another plan.

Healthcare FSA and Limited Purpose Healthcare FSA You may use your Healthcare FSA for eligible medical, dental, vision, and pharmacy expenses incurred on or before your coverage end date. Limited Purpose Healthcare FSA funds may be used for eligible dental and vision expenses incurred on or before your coverage end date. Submit claims with supporting documentation to HealthEquity within 90 days after your coverage ends. Unclaimed funds are forfeited after the applicable deadline.

If you elect COBRA continuation for an eligible FSA, different coverage and claim deadlines may apply. Contact Human Resources for details about your COBRA election and the period during which you may incur and submit expenses.

Dependent Care FSA You may request reimbursement, up to the amount contributed to your account, for eligible dependent care expenses incurred on or before your termination date. Your termination date is included as a covered day. Submit claims with supporting documentation to HealthEquity within 90 days after your coverage ends. Any unclaimed funds are forfeited.

ACCESSING YOUR ACCOUNT

To check your balance or submit eligible reimbursement claims, visit healthequity.com/login.

ABOUT THIS BENEFITS GUIDE The employee benefit programs described in this guide are effective January 1, 2027. We have made every attempt to ensure the summary information in this guide is accurate. Please refer to respective plan documents for detailed provisions of each plan. Plan provisions will govern if there is any inconsistency between the information contained in this guide and the plan documents. This Benefits Guide may not be reproduced or redistributed in any form or by any means without the express written consent of Future Standard.