UST 2019 Employee Benefits Guide

2019 Benefits Information Guide Brought to you by: US Benefits Team

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All About Enrollment Benefit programs give you important financial protection when you need it most. You may not think about your benefits every day – you expect them to be there when you need them. Spend a few minutes and review the benefit programs that UST Global offers to make the choices that are right for you and your family.

Employer-Provided Benefits As an eligible employee, UST Global automatically provides you with several benefits. UST Global pays the full cost of life insurance, short and long term disability coverage, and an employee assistance plan. You are not required to make any contributions for these benefits.

Optional Benefits In addition to the employer-provided benefits, eligible employees may enroll in optional benefits including medical, dental, vision, flexible spending accounts, and retirement plans. You contribute toward the cost of the optional benefits that you elect.

When Coverage Begins For most benefits, coverage begins on your date of hire. The exception is the retirement plan, which begins on the first of the month following 31 days of full-time U.S. employment.

IMPORTANT: New hires/transfers: You must enroll during your first 31 days of employment with UST Global. If you do not, you will be automatically enrolled in the Premier Savings Plan, a High Deductible Health Plan (HDHP) with employee only level coverage and you will be waived for dental and vision coverages. Your next opportunity to enroll in benefits will be during the annual open enrollment period, typically held in November of each year for the upcoming plan year.

Current employees: Each year you have an opportunity to review your benefit elections during the annual open enrollment period, typically in November, and make changes for the upcoming plan year.

When Coverage Ends For most benefits, coverage will end on the last day of the month in which: •

Your regular work schedule is reduced to fewer than 30 hours per week;

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Your employment with UST Global ends due to resignation, termination, or death;

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Or you stop paying your share of the coverage.

Your dependent coverage ends:

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When your coverage ends;

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Or the last day of the month in which the dependent is no longer eligible:

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For dependent children up to age 26: end of the month in which they turn 26.

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All About Enrollment Who Can Enroll You are eligible for benefits if you are a regular, full-time employee. If you elect coverage, your dependents are also eligible for medical, dental, vision, and life insurance coverage.

Eligible dependents include: •

Your legal spouse

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Your domestic partner (same sex or opposite sex)

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If you choose to cover your domestic partner, you will pay the same cost and receive the same coverage as you would for a spouse.

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Covering a domestic partner will result in additional tax liability (imputed income). If your relationship ends, you will need to notify the US Benefits Help Desk.

Your legal child(ren) •

Natural children, adopted children, foster children, step children, your domestic partner’s children, or any child for whom you have legal custody

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Up to age 26

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Regardless of age, if fully disabled and unmarried, provided s/he became fully disabled either prior to age 19 or between the ages of 19-26 if the child was covered by the plan when the disability occurred

How to Enroll Self Registration for First Time Users

Signing In

If this is your first time using ADP services, follow the self-registration process below. Otherwise, use your existing credentials. ➢ Go to https://my.adp.com. ➢ Click Register Now. ➢ Enter the registration code USTECH-adp and click Go. ➢ Enter your name and other requested information and click Confirm.

-If the prompt indicates that your record was found, click Register Now. -If the prompt indicates your record could not be found, contact your administrator or help desk. ➢ On Register for Services page, enter your contact information. ➢ View or create (if permitted) a user ID. ➢ Create a password. ➢ Select and answer security questions. ➢ If prompted, read the terms and conditions and select the I Agree check box. ➢ Click Register (or Register Now). ➢ Activate your contact devices by following the instructions in the two emails you will receive. ➢ You can now log in to your ADP service.

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Go to https://my.adp.com

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Enter your User Name.

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Your user name is the user ID you received when you completed selfregistration.

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Enter your Password.

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Your password is the one you created during self-registration.

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Click Sign In.

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All About Enrollment Enrollment Checklist Before you enroll: •

Review this guide carefully.

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Review the Summary of Benefits and Coverage from MyADP.

During enrollment: •

Review your beneficiaries and make changes, if necessary.

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Confirm your mailing address.

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Save or print a copy of your confirmation.

After enrollment: •

Verify your benefit elections by reviewing your current benefits in MyADP. If you notice any errors, notify the US Corporate Benefits Team immediately.

How to Change your Coverage Mid-Year The IRS provides strict regulations about changes to pre-tax elections during the plan year. If you experience a qualified IRS family status change mid-year, you are permitted to make a change within 31 days of the event.

If the change request is not completed within 31 days of the event, you will not be able to change your elections until the annual open enrollment period. Below are some of the more commonly known qualified family status changes: •

Marriage, divorce, annulment, or permanent separation from a domestic partner

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Birth of a child

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Placement of a foster child or child for adoption with you

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Obtaining legal guardianship of a child

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Change in employment status that affects benefits eligibility

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Return from an unpaid leave of absence

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Gain or loss of coverage

The change you request must be consistent with the qualifying event. All mid-year changes require documentation, which must also be provided within 31 days of the event. Please contact the EONE BAT Team if you have questions.

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Time Off Benefits Holidays

Bereavement

The company observes the following holidays:

Employees are allowed up to three (3) consecutive, paid days off to arrange and attend the funeral of an immediate family member. For purposes of this policy, an employee’s immediate family is defined to include current spouse/domestic partner, parents, siblings, children, current parent-in-laws, grandparents, and grandchildren.

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New Year’s Day

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Martin Luther King Jr Day

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President’s Day

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Memorial Day

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Independence Day

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Labor Day

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Thanksgiving Day

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Day after Thanksgiving

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Christmas Eve

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Christmas Day

Jury Duty

Note: Employees working at a client site will follow the client’s holiday schedule.

The Company provides employees time off to serve, as required by law, on a jury or grand jury if the employee provides reasonable written advance notice, including a copy of the jury summons. The Company will pay employees for up to five (5) days of jury duty.

Other Types of Leave

Vacation Vacation time is accrued based upon your years of continuous service. Balances will roll over to the following year up to a cap.

Years of Service

Accrual

Under 5 Years

3.08 hours per pay period up to 80 hours/year and a cap of 160 hours

5 Years to 10 Years

4.62 hours per pay period up to 120 hours/year and a cap of 210 hours

Over 10 Years

6.16 hours per pay period up to 160 hours/year and a cap of 280 hours

Please refer to the U.S. Employee Handbook for details on the other types of Leaves of Absence and contact Benefits.US@ust-global.com with questions.

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Time Off Without Pay

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Military Leave

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Medical Leaves of Absence

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Family Leave

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Personal Leave of Absence

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Voting Leave

Sick Time Sick time is prorated based on date of hire and is given January 1st of each year. It does not roll over.

Date of Hire

Sick Days

January 1 - March 31

6 paid

April 1 - June 30

4 paid

July 1 - September 30

2 paid

October 1 - December 31

1 paid

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Medical Insurance UST Global gives you the option of choosing one of three Aetna plans to best meet your family’s needs. All three plans: •

Use the Aetna Choice POS II (Open Access) network,

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Use Express Scripts as the administrator for all Pharmacy claims

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Include international coverage at an in-network level,

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Cover preventive care at 100%,

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And provide the same type of coverage.

Glossary Copay

a fixed fee amounts that you pay at the time you receive services

Deductible

the set amount you must typically pay before coinsurance starts

Coinsurance

the portion of expense you must pay for care, in most cases, after meeting your deductible

Out-of-Pocket Maximum

the maximum amount you could pay for care within a calendar year, including copays and deductibles

Preventive Services

routine health care that includes screenings, check-ups, and patient counseling to prevent illnesses, disease, or other health problems

Premiums

your payroll deductions, which are the amounts you pay to belong to a health plan

In-Network

the doctor or health care facility has a partnership with the insurance carrier to bring you lower costs

Providers

a doctor or health care facility

Our Plans PPO 250 is our richest plan design, which maximizes coverage at the point of service, so if you and your family would like to pay the least out of pocket at the doctor’s office, then this plan is the right one for you.

PPO 500 offers the same rich benefit design as the PPO 250, but requires a little more out of pocket at the time of service. It comes with lower premiums than the Plus Plan.

PPO HSA 2000 requires the most at the time of service, but comes with the lowest premiums. Not only does this plan have budget friendly premiums, but it also has the lowest total out of pocket costs (out of pocket maximum + annual premiums). This plan is the only one that can be paired with our Health Savings Account.

Note: It is recommended that you use the PlanFit tool on the benefits portal to help you choose the right plan for you and your family.

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Medical Insurance 3 Medical Options: Aetna Choice POS II (Open Access) Network

PPO 250

In-Network Benefits* PPO 500

PPO HSA 2000

$250 per person $500 per family

$500 per person $1,500 per family

$2,000 per person $4,000 per family

10%

20%

20%

$1,500 per person $3,000 per family

$2,000 per person $4,000 per family

$4,000 per person $8,000 per family

$15 copay $30 copay

$25 copay $40 copay

Ded then Coinsurance Ded then Coinsurance

Urgent Care

$30 then Coinsurance

$40 then Coinsurance

Ded then Coinsurance

Emergency Room

$175 then Coinsurance

$175 then Coinsurance

Ded then Coinsurance

Hospitalization

Ded then Coinsurance

Ded then Coinsurance

Ded then Coinsurance

Deductible (Ded) Coinsurance Out of Pocket Maximum Office Visit Primary Care Specialist

Prescription Drugs Tier 1 Tier 2 Tier 3 Tier 4

After Deductible: $10 copay $10 copay $10 copay $30 copay $30 copay $30 copay $50 copay $50 copay $50 copay 10% Coinsurance, Max $100 10% Coinsurance, Max $100 10% Coinsurance, Max $100

Premiums by Pay Period Employee Only: Employee & Spouse: Employee & Children: Employee & Family:

$124.00 $230.00 $207.00 $328.00

$49.00 $91.00 $82.00 $132.00

*Note: It is always recommended to stay in-network, when possible, to maximize your benefits.

GoodRx One way to save on your health care costs is by using GoodRx. GoodRx gathers current prices and discounts to help you find the lowest cost pharmacy for your prescriptions.

• Get real-time pricing on prescriptions • Personalized savings alerts • Access through all digital platforms • No personal information needed • 100% free How to use • Go to www.goodrx.com or open their phone app • Enter in your prescription’s information • Choose the pharmacy that best fits your needs • Show the coupon to your pharmacist!

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$13.00 $36.00 $30.00 $52.00

Talk to a doctor UST Global has selected Teladoc, made available through Aetna, to provide you and your eligible dependents with 24/7/365 access to US board-certified doctors by phone of online video.

Anytime, Anywhere Teladoc does not replace your primary care physician, but it is a convenient and affordable option that allows you to talk to a doctor who can diagnose, recommend treatment, and prescribe medication (when appropriate) for many of your medical issues.

Talk to a doctor anytime, anywhere you happen to be

Receive quality care via phone, video, or mobile app

Prompt treatment median call back in 10 min

A network of doctors that can treat every member of the family

Prescriptions sent to pharmacy of choice if medically necessary

Teladoc is less expensive than the ER or urgent care

Your cost is never more than a doctor visit: $40 or less!

Register today: Call 855-835-2362 or Visit Teladoc.com/Aetna

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Aetna 24 Hour Nurse Line

Call with your health questions When your health question can’t wait, you have a resource to turn to—the informed Health Line.

With one call you can: Get information on health and wellness topics Get emails from a nurse with videos that are relevant to your question or topic Make smarter health care decisions Find out more about a medical test or procedure Get help preparing for a doctor’s visit

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Toll Free

It’s toll-free and you can call as many times as you need to—at no extra cost.

Get health information online, too If you like to dig for health information on the web, you’ll love this site. You can: Use the symptom checker Learn about a medical test that’s coming up Research a new medication you’re taking and more

Get health information—when and where you need it You have two options: Call a nurse at 1-800-556-1555 Visit your secure member website at www.aetna.com Choose Health Programs, then 24-Hour Nurse Line.

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Aetna Maternity Program

Growing Healthy Together You deserve plenty of support during this time and you’ve got it : A program to supportyou during your pregnancy, and even after your baby is born: Beginning Right Maternity Program.

SURVEY

How it works : This program is already included with your Aetna health benefits and insurance plan.

All you have to do is: Sign up Complete a short survey

What’s Included?

Information for a healthier pregnancy such as: Early labor symptoms What to expect before and after delivery Newborn care, and more Your online health source for information like: Breast health Healthy Aging Mental and emotional health Preventive care guidelines for all ages Nurse support for high risk pregnancies Help to quit smoking

Maternity Program

Sign up as soon as you’re pregnant You have two options: Call 1-800-272-3531 weekdays from 8am to 7pm EST Log in to your member website at www.aetna.com and look under Health Programs.

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Aetna Member Discounts Savings on eyewear & exams Designer frames The latest in lens technology Non-disposable contact lenses Sunglasses, and more

Great rates on eye exams

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Your eye exams are always discounted.

So even if your plan covers your first exam, you can save on another one from any participating doctor.

F P T OZ LPED P E C FD

Lots of locations You can visit many doctors in private practice, as well as, national chains like JCPenney Optical, LensCrafters, Target Optical, Sears Optical, and Pearle Vision. You can find them all on your member website at www.aetna.com.

Savings on hearing aids & exams With Hearing Care Solutions, you get: Discounts on a large selection of hearing aids A three-year supply of batteries Free in-office service for one year Free routine cleanings and battery door replacements for one year after purchase from the original provider With Amplifon Hearing Health Care, you get: Discounts on many styles of hearing aids Savings on hearing exams and hearing aid repairs Free follow-up services for one full year A two-year supply of batteries

Natural therapy services You can try these services at a discount off the normal fee.

Massage therapy Acupuncture Chiropractic care Nutrition services

More eye-openers

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R

Savings on LASIK eye surgery Replacement contact lenses, delivered to your door Even discounts on eyeglass chains, lens cases, cleaners, and nonprescription sunglasses.

Natural products You can also order healthy items you use everyday, like vitamins and yoga equipment, plus aromatherapy and natural body care products.

These built-in plan discounts have no referrals, claims, or limits.

Your family can use them too!

How to get started Once you’re an Aetna member, just log in to your member website at www.aetna.com.

It’s the place to take care of your benefits and your place to save too!

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Aetna Fitness Discounts A fit, fabulous you—for less Through a partnership with GlobalFit, you and your covered family members get discounts built into your health benefits and insurance plan.

Save on gym memberships Try an at-home weight-loss program W ork with a health coach

A healthy you, right from home If staying at home is more your style, you have choices.

Health coaching Quit smoking Ease stress Lose weight Discounts on virtual personal training One-on-one training Group training At-home weight loss program including: Weight-loss tips Menus W eigh-ins Savings on home exercise equipment

A healthy you, at your local gym

Save at over 10,000 gyms

Save at over 10,000 gyms in the GlobalFit network.

But keep in mind the savings are for new gym members, so if you belong to a gym now or once did, just call GlobalFit first to see if you can save.

GlobalFit includes these sign-up perks: Lowest price guarantee Flexible membership options Easy billing Travel privileges at participating gyms Transfer your membership to another gym

You have two options: Call 1-800-298-7800 Visit www.globalfit.com/fitness 12

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Free guest pass (at most gyms) Freeze your membership

Health Savings Account The PayFlex Health Savings Account (HSA) gives you a way to pay for qualified health care expenses now and grow your savings for future health care needs. To have the HSA, you must enroll in the PPO HSA 2000 Plan. For more details on eligibility, please see the IRS Publication 969.

Why choose the PPO HSA 2000 plan?

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Save on premiums.

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Lowest out-of-pocket of all of the medical plans, when you add in the premiums that you pay each year.

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Offset health care costs with the Health Savings Account (HSA).

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Only HSA eligible plan.

Why should you participate in the HSA? •

Save for retirement

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Funds are portable - take it with you if you leave the company

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Includes an easy to use debit card for ease of use

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Triple tax benefits 1. Funds are deducted before taxes, lowering your taxable income.

2. Funds grow tax free in the savings account.

3. Funds are withdrawn tax free for all qualified expenses.

What are the annual limits for the HSA? The annual limit is based upon your election in the PPO HSA 2000 plan.

Please note that the limit would include the employer match as well as your contributions.

Individual: $3,500

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Family: $7,000

PayFlex is the administrator that UST Global works with to allow employees to make pre-tax contributions through payroll. Additional information on HSAs and other resources can be found on the PayFlex Website www.payflex.com.

HSAs are employee owned accounts that can be used to save money to pay for qualified expenses. Publication 502 from the IRS is the full list of HSA eligible expenses, a few of the more common eligible items are: Medical & Prescription Drug

Dental Treatment

Vision Treatment

Other

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• • • • • • • •

• • • •

•

• • •

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Copays or Deductible Expenses Durable medical equipment (prosthetic devices, wigs, hearing aids or wheelchairs) Stop smoking programs Sterilization (tubiligation, vasectomy, etc.)

Fertility enhancement (in vitro fertilization, prescription drugs, temporary storage of eggs or sperm)

teeth cleaning Sealants Fluoride X-Rays Fillings Braces Extractions Dentures or Dental Implants

Eye Exam Eyeglasses Contact Lenses Eye Surgery (Laser eye surgery or radial keratotomy)

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• •

Guide Dog or Service Animal Certain Insurance Premiums Oxygen

Flexible Spending Account A Flexible Spending Account (FSA) is funded with money you contribute on a pre-tax basis, which lowers your taxable income. These funds can be used to pay for qualified out of pocket health care costs for you and your eligible dependents, dependent day care charges, or work related transportation expenses.

IMPORTANT: Save your receipts, even when you use your debit card. The IRS requires that you retain actual receipts to document that an expense is FSA eligible.

PayFlex Health Care FSA Your Health Care FSA comes with a debit card to make using your funds easy. All money you elect to contribute is accessible immediately. If you don’t have your debit card on you, you can submit reimbursement claims on the PayFlex website or phone app. The money you contribute can be used to cover out of pocket costs such as: •

Medical expenses - copays, deductibles, and coinsurance

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Prescription drug costs and over-the-counter drugs with a written prescription

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Dental expenses - deductibles and coinsurance

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Vision expenses - prescription glasses, contact lenses, and copays

All FSA expenses must be qualified expenses as Section 213(d) of the Internal Revenue Code defines.

2019 Health Care FSA annual contribution limit: $2,650 PayFlex Dependent Care FSA Your Dependent Care FSA works on a reimbursement basis by submitting your claims on the PayFlex website or phone app; there is no debit card for this. Unlike the Health Care FSA, you can only access the money that is currently in your account. The money you contribute can be used toward care for a child under age 13, a physically or mentally disabled parent or child, or elder care for tax-qualified dependents.

Annual contribution limits: •

Single or married and filing jointly: $5,000

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Married and filing separately: $2,500

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Highly Compensated Employees (HCEs): $2,400

PayFlex Commuter Benefits The Commuter Benefits allow you to pay for certain work related transportation expenses via pre-tax deductions. Unlike the Health Care FSA and the Dependent Care FSA, the Commuter Benefits are pre-paid on a monthly basis. Elections that are completed on or before the 15th of the month will initiate payroll deductions in the following month. These have a monthly contribution limit of $260 each.

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Parking benefit is used for parking expenses at or near your worksite.

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Transit benefit is used for mass transit expenses travelling to or from work.

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Dental & Vision Insurance Aetna Dental Insurance Aetna Dental Preferred Provider Organization (PPO) Network UST Global offers you the choice of two dental plans: the Basic Plan and the Enhanced Plan. The Basic Plan only covers preventive and diagnostic care (also called a “cleanings only” plan). The Enhanced Plan is a traditional dental plan. Both plans allow you to see any provider, but you’ll save the most when you stay in network.

In-Network Benefits Basic Plan

Enhanced Plan

None

$25 per person / $75 per family

$1,000 per person

$2,000 per person

Preventive Care

You pay 0%

You pay 0%

Basic Services

Not Covered

You pay 10% after Deductible

Major Services

Not Covered

You pay 40% after Deductible

Orthodontics

Not Covered

Plan pays 50% up to $2,500 lifetime

Deductible Annual Benefit Maximum

Premiums by Pay Period Employee Only: Employee & Spouse: Employee & Children: Employee & Family:

$2.00 $5.00 $5.00 $9.00

$5.00 $7.00 $7.00 $12.00

VSP Vision Insurance VSP Choice Network With VSP, you’ll get a great value on your eye care and eye wear. There’s even a satisfaction guarantee on all VSP doctors. And using your VSP benefit is easy as well. You just provide the VSP Choice Network doctor with your SSN. There is no ID card needed!

In-Network Benefits VSP Provider WellVision Exam

$10 copay for exam & glasses

Benefit Interval (Exam/Lenses/Frames)

Once per calendar year

Frames Standard Lenses

$200 allowance Covered in full under copay

Contacts (& contact lens exam)

$200 allowance

Premiums by Pay Period Employee Only: Employee & Spouse: Employee & Children: Employee & Family:

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$2.74 $5.46 $5.84 $9.36

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Company Paid Benefits Life & Accidental Death & Dismemberment (AD&D) UST Global provides each employee with basic life insurance and AD&D through Principal in the amount of 2x your basic annual salary up to $750,000. You can purchase additional coverage through the supplemental life insurance.

Disability UST Global provides each employee with Short and Long Term Disability coverage through Principal. This benefit provides an income in the event you become disabled due to an injury or illness that is not work related.

Short Term Disability (STD) pays 60% of your earnings up to $1,400 weekly for up to 25 weeks. It includes a one week waiting period and rolls over into LTD if you are still disabled after 25 weeks.

Long Term Disability (LTD) pays 60% of your earnings up to $6,000 monthly for up to 36 months, or the date you reach Social Security Normal Retirement Age, whichever is sooner.

Magellan Health Employee Assistance Program (EAP) The EAP through Magellan Health provides useful tools and resources that can guide you through a difficult time. Best of all it is confidential and at no additional cost to you.

What can they help with?

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Overcoming stress

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Crisis at home or work

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Addiction, depression, & other emotional issues

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Career goals

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Management support

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Work-life balance

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Stress, relaxation, and personal well-being

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Personal & family goals

Financial or Legal Questions?

Magellan can help with those as well!

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One 60 minute session on any legal matter

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One 60 minute session on any financial matter

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Online library of helpful tools & resources

Your program includes 3 counseling sessions!

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Voluntary Benefits Supplemental Life Insurance In addition to the Basic Life Insurance provided to you by UST Global, you may elect an additional 1, 2, or 3 times your annual salary through the supplemental life insurance plan.

You can also purchase coverage for your spouse in increments of $5,000 up to $100,000, but the coverage cannot exceed 100% of what you elect for yourself.

Children can also be covered at $5,000 or $10,000 and respectively cost $0.50 and $1.00 per month.

Rates for you and your spouse are available when you are going through your enrollment in MyADP.

MetLaw For $18 a month (or $8.31 per pay period), this voluntary benefit provides telephone and office consultations for an unlimited number of personal legal matters with an attorney of your choice for you, your spouse, and your dependents.

It also includes identity theft coverage at no extra cost!

MetLaw gives you access to a nationwide network of over 14,000 attorneys, who on average have 25 years of experience. They are well qualified and can assist you in a wide range of legal matters, including: •

Estate planning documents, including Wills and Trusts

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Real estate matters

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Identity theft defense

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Financial matters, such as debt collection defense

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Traffic offenses

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Document review

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Family law, including adoption and name changes

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Immigration assistance

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Elder law matters

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Advice and consultation

MetLife Auto & Home Discount Program UST Global is now offering access to a discount program on auto & home insurance through MetLife. Home or Auto insurance can be switched at any time and does not have to wait until your current policy expires. This program can give you: •

A group discount of up to 15%

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A discount of up to 5% for choosing to have your premium payments deducted straight from your bank account

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A cash discount of up to 20% based on how long you have worked for UST Global

Call 800-438-6388 and mention that you are a UST Global employee, or the discount code: ZZZ, and MetLife will provide you with a no obligation quote.

529 College Savings Plan A 529 plan is college savings plan sponsored by UST Global. Savings can be used for tuition, books, and other qualified expenses at most accredited colleges and universities. Any earnings grow federal income tax deferred and may also be eligible for state tax deductions. Please email Benefits.US@ust-global.com if you are interested in enrolling in this benefit through American Funds.

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Voya Voluntary Benefits These benefits are offered by Voya and pay you directly. They can help offset the out-of-pocket expenses that medical insurance does not pay.

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Guaranteed issue: No medical questions or tests are required for coverage.

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No pre-ex look-back: Pre-existing conditions are covered, but you must have the coverage for 30 days before benefits are payable.

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Portable: Should you leave UST, you can take the policy with you.

Accident Plan Covers injuries like broken bones, burns, torn ligaments, concussions, and eye injuries. It also includes emergency room treatment, surgery, hospitalization, and physical therapy.

Premiums Per Pay Period Employee Only: Employee & Spouse: Employee & Children: Employee & Family:

$5.72 $9.84 $11.40 $15.51

Critical Illness/Cancer Helps protect your finances from the expense of a serious health problem. This plan covers conditions like heart attacks, blindness, major organ failure, benign brain tumors, end-stage renal failure, coronary artery bypass surgery, permanent paralysis, and cancer. Includes a Wellness Benefit that pays $50 per calendar year for yourself and your covered spouse if a covered health screening test is performed. The benefit for child coverage is $25 per child, with an annual maximum of $100 for all children. Rates are based on your age and level of coverage you select; they are available when you are going through your enrollment in MyADP.

Hospital Indemnity Plan Pays you when you have been admitted to a hospital or critical care unit (CCU).

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Daily Benefit Amount: $100 or $150

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Hospital Benefit: 1x the Daily Benefit Amount, up to 15 days per confinement

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Critical Care Unit (CCU): 2x Daily Benefit Amount, up to 15 days per confinement

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Initial Confinement Benefit: 10x the Daily Benefit Amount for the first day you spend in the hospital

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Wellness Benefit: Pays $50 per calendar year for yourself and your covered spouse if a covered health screening test is performed. The benefit for child coverage is $25 per child, with an annual maximum of $100 for all children.

Premiums Per Pay Period Employee Only: Employee & Spouse: Employee & Children: Employee & Family:

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$100 Daily Benefit

$150 Daily Benefit

$10.08 $19.32 $15.25 $24.50

$14.77 $28.37 $22.25 $35.85

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Retirement Plans New Hires New Hires are eligible to begin contributing to the retirement plans on the 1st of the month following 30 days of your hire date. You will be auto-enrolled at 3% unless you opt out.

Rehires Rehires are eligible to begin contributing to the retirement plans effective the date of rehire. If you haven’t already elected a deferral contribution amount, you will be auto-enrolled at 3% on the 1st of the month following 30 days of your hire date. You can opt out as well.

Type of Retirement Plans Available UST offers two types of retirement plans: the traditional 401K and the Roth 401K. The traditional 401K contributions are made on a pre-tax basis, where it comes directly out of your paycheck before taxes are taken out, which lowers your taxable income. When you begin to take distributions at retirement, you will pay normal income tax on the distributions based on your tax bracket at the time of distribution.

The Roth 401K contributions are made after an employer withholds taxes. Because you’ve already paid taxes on these funds, you will not owe taxes on the distributions.

To know which is best for you, you should determine when you’ll be at the highest tax bracket, now or at retirement.

How to Enroll

How to Opt-Out

For first-time users, go to www.principal.com

You must register and opt out on the Principal website to opt out. See “How to Enroll” instructions on website access.

➢ Select Log In and choosePersonal ➢ Click on the Create an account link ➢ Enter your first name, last name, date of birth and your ID number (this is either your Social Security number or a specific ID provided by your employer) or ZIP code ➢ Agree to do business electronically and click Continue ➢ Answer a few personal questions so we can confirm it’s really you ➢ Create a unique username, set a secure password and add your email address ➢ Select and answer two security questions to use if you need to call us

Beneficiary Designation Be sure to designate your beneficiary. This will ensure that the beneficiary you have selected will receive the benefits from your plan in the event of your death.

Questions?

Having trouble setting up your login, or have other questions? Give us a call at 800.547.7754.

➢ You now have access to your online account, and you’ll get a confirmation email within a few minutes

Financial Advisors

➢ The first time you log in, you’ll need to choose where we send you verification codes (text message or email) and how often you want to use them

Call or email Chris Soto at 949-862-1288 or Christopher.Soto@wellsfargoadvisors.com to speak to a Certified Financial Planner regarding our retirement plans.

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UST Global Human Resources Engagement | Organization | Capability

Perks at work We’re excited to introduce Perks at Work for allemployees Perks at Work leverages the purchasing power of all UST Global employees to help you savemoney on large items such as computers and travel, as well as everyday items like tickets and food.

Savings thatMatter With Perks at Work, you can save on: Travel for you and your family, including hotels, rental cars, flights, and cruises Tickets for movies, Broadway shows, shows near you, theme parks, and even sports Computers, big ticket software, and other electronics Restaurant certificates Verizon & AT&T cellular service

Earn WOWpoints These are loyalty points that you can earn and redeem when you shop with the site.

100 WOWPoints = $1 No blackout dates Never expire

How toJoin 1. Go to www.PerksatWork.com 2. Register for free using your UST Global work email (Company: USTGlobal)

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UST Global Human Resources Engagement | Organization | Capability

Need a bank?

UST Global has partnered with these banks to bring you a wealth of financial options

Take advantage of benefits offered, including: Specialists available to assist foreign nationals Mobile and online courses for on-demand learning International Relocation and your finances Learn the basics of personal finance in the US, such as: W hat is a credit score and why is it important?

Credit cards Loans (personal, auto, and home) Retirement plans Better Money Habits Online, mobile, phone and branch access to conveniently manage your everyday banking needs Financial options, including relationship loan discounts Complimentary financial workshops Articles, videos, and financial calculators

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UST Global Human Resources Engagement | Organization | Capability

Important Contacts Organization

Contact Information

Website

Health Advocate • • •

Benefits Information Insurance Billing/Claims Assistance Finding a Doctor In-Network

answers@healthadvocate.com 866-695-8622

EONE BAT Team • • •

Assistance Navigating ADP Portal Enrollment Issues Status Change and ID Cards

myBenefits@employee1.net 877-745-6312

US Corporate Benefits Team • • • •

Benefit Deductions Leaves & Disability Retirement Plans Worker’s Comp

Benefits.US@ust-global.com

Aetna • •

877-204-9186

www.aetna.com

800-877-7195

www.vsp.com

844-729-3539

www.payflex.com

877-745-6312

www.principal.com

877-236-7564

www.voya.com

Principal Retirement Plans

888-888-8888

.com

Magellan Health EAP

800-356-7089

www.magellanhealth.com/member

Medical Dental

VSP Vision PayFlex • •

Health Savings Account (HSA) Flexible Spending Accounts (FSAs)

Principal Employer Paid Benefits • • •

Basic Life Supplemental Life Disability

Voya Voluntary Benefits • • •

Accident Plan Critical Illness/Cancer Plan Hospitalization Plan

Perks at Work

Tickets at Work

www.perksatwork.com to register use code USTGLOBAL

GoodRx

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www.ticketsatwork.com www.goodrx.com

UST Global Human Resources Engagement | Organization | Capability