Critical Illness Insurance

Offered by Life Insurance Company of North America, a Cigna Company

Employee-Paid

CRITICAL ILLNESS INSURANCE Prepared for: Outside Interactive Inc.

SUMMARY OF BENEFITS

Critical Illness insurance provides a cash benefit when a Covered Person is diagnosed with a covered critical illness or event after coverage is in effect. See State Variations (marked by *) below.

Who Can Elect Coverage: You: All active, full-time Employees of the Employer who are regularly working in the United States a minimum of 20 hours per week and regularly residing in the United States and who are United States citizens or permanent resident aliens and their Spouse, Domestic Partner, or Civil Union Partner and Dependent Children who are United States citizens or permanent resident aliens and who are residing in the United States.

You will be eligible to elect coverage on the first of the month after 30 days from date of hire or Active Service.

Your Spouse:* Up to age 100, as long as you apply for and are approved for coverage yourself.

Your Child(ren): Birth to age 26; 26+ if disabled, as long as you apply for and are approved for coverage yourself.

Available Coverage: The benefit amounts shown will be paid regardless of the actual expenses incurred. The benefit descriptions are a summary only. There are terms, conditions, state variations, exclusions and limitations applicable to these benefits.

Please read all of the information in this Summary and your Certificate of Insurance for more information. All Covered Critical Illness Conditions must be due to disease or sickness.

Benefit Amount

Employee $5,000, $10,000, $15,000, $20,000 Spouse 50% of employee amount Children 25% of employee amount See “Guaranteed Issue” section below for more information.

Covered Conditions Invasive Cancer Carcinoma in Situ Vascular Conditions Heart Attack Stroke Coronary Artery Disease Nervous System Conditions Multiple Sclerosis Other Specified Conditions Blindness End-Stage Renal (Kidney) Disease Major Organ Failure Paralysis

Benefits Initial Critical Illness Benefit

Guaranteed Issue Amount Up to $20,000 Up to $10,000 All guaranteed issue

Initial Benefit Amount %

Recurrence % of Initial Benefit Amount

100% 25%

100% 25%

100% 100% 25%

100% 100% 25%

100%

Not Available

100% 100% 100% 100%

Not Available 100% 100% 100%

Benefit for a diagnosis made after the effective date of coverage for each Covered Condition shown above. The amount payable per Covered Condition is the Initial Benefit Amount multiplied by the applicable percentage shown. Each Covered Condition will be payable one time per Covered Person, subject to the Maximum Lifetime Limit. A 180 days separation period between the dates of diagnosis is required.*

Benefits Recurrence Benefit Maximum Lifetime Limit

Benefit for the diagnosis of a subsequent and same Covered Condition for which an Initial Critical Illness Benefit has been paid, payable after a 12 month separation period from diagnosis of a previous Covered Condition, subject to the Maximum Lifetime Limit.

The maximum benefit payable per Covered Person is the lesser of 5 times the elected Benefit Amount or $100,000.

Portability Feature: You can continue 100% of coverage for all Covered Persons at the time Your coverage ends. You must be covered under the policy and be under the age of 100 in order to continue your coverage. Rates may change and all coverage ends at age 100. Applies to United States Citizens and Permanent Resident Aliens residing in the United States.

Employee’s Semi-Monthly Cost of Coverage: Benefit Amount: $5,000

Employee Age Non-Tobacco Tobacco <25 $0.64 $0.83 25 to 29 $0.81 $1.18 30 to 34 $1.18 $1.88 35 to 39 $1.80 $3.30 40 to 44 $2.48 $4.74 45 to 49 $3.70 $7.49 50 to 54 $5.32 $10.66 55 to 59 $7.35 $14.42 60 to 64 $10.26 $18.92 65 to 69 $12.91 $21.78 70 to 74 $16.70 $28.93 75 to 79 $23.91 $35.04 80 to 84 $29.16 $42.51 85 to 89 $41.08 $50.05 90 to 94 $41.08 $50.05 95+ $41.08 $50.05

Benefit Amount: $10,000

Employee Age Non-Tobacco Tobacco <25 $1.26 $1.66 25 to 29 $1.62 $2.35 30 to 34 $2.35 $3.76 35 to 39 $3.60 $6.59 40 to 44 $4.95 $9.47 45 to 49 $7.40 $14.97 50 to 54 $10.63 $21.32 55 to 59 $14.69 $28.83 60 to 64 $20.52 $37.83 65 to 69 $25.81 $43.55 70 to 74 $33.40 $57.85 75 to 79 $47.81 $70.07 80 to 84 $58.32 $85.01 85 to 89 $82.16 $100.10 90 to 94 $82.16 $100.10 95+ $82.16 $100.10

Benefit Amount: $15,000

Employee Age Non-Tobacco Tobacco <25 $1.90 $2.49 25 to 29 $2.43 $3.53 30 to 34 $3.52 $5.64 35 to 39 $5.40 $9.88

Employee + Spouse Non-Tobacco Tobacco $1.00 $1.31 $1.24 $1.81 $1.78 $2.87 $2.72 $5.02 $3.72 $7.16 $5.65 $11.51 $8.35 $16.73 $11.78 $23.00 $15.95 $29.51 $19.83 $34.16 $27.36 $45.58 $37.14 $54.90 $45.28 $66.66 $63.86 $78.08 $63.86 $78.08 $63.86 $78.08

Employee + Children Non-Tobacco Tobacco $0.70 $0.89 $0.87 $1.24 $1.24 $1.94 $1.86 $3.35 $2.54 $4.80 $3.76 $7.55 $5.38 $10.72 $7.41 $14.48 $10.32 $18.98 $12.96 $21.84 $16.76 $28.99 $23.97 $35.10 $29.22 $42.57 $41.14 $50.11 $41.14 $50.11 $41.14 $50.11

Employee + Family Non-Tobacco Tobacco $1.06 $1.37 $1.30 $1.87 $1.84 $2.93 $2.78 $5.08 $3.78 $7.22 $5.71 $11.57 $8.41 $16.79 $11.84 $23.06 $16.01 $29.57 $19.89 $34.22 $27.42 $45.64 $37.20 $54.96 $45.34 $66.71 $63.92 $78.14 $63.92 $78.14 $63.92 $78.14

Employee + Spouse Non-Tobacco Tobacco $1.99 $2.62 $2.47 $3.61 $3.56 $5.73 $5.44 $10.03 $7.43 $14.31 $11.30 $23.02 $16.69 $33.46 $23.55 $45.99 $31.89 $59.01 $39.65 $68.32 $54.72 $91.16 $74.28 $109.79 $90.55 $133.31 $127.72 $156.16 $127.72 $156.16 $127.72 $156.16

Employee + Children Non-Tobacco Tobacco $1.39 $1.77 $1.74 $2.47 $2.47 $3.88 $3.72 $6.70 $5.07 $9.59 $7.51 $15.09 $10.75 $21.44 $14.81 $28.95 $20.63 $37.95 $25.92 $43.67 $33.52 $57.97 $47.93 $70.19 $58.44 $85.13 $82.28 $100.22 $82.28 $100.22 $82.28 $100.22

Employee + Family Non-Tobacco Tobacco $2.11 $2.74 $2.59 $3.73 $3.68 $5.85 $5.56 $10.15 $7.55 $14.43 $11.41 $23.14 $16.81 $33.58 $23.67 $46.11 $32.01 $59.13 $39.77 $68.44 $54.84 $91.28 $74.40 $109.91 $90.67 $133.42 $127.84 $156.28 $127.84 $156.28 $127.84 $156.28

Employee + Spouse Non-Tobacco Tobacco $2.99 $3.93 $3.70 $5.41 $5.34 $8.59 $8.16 $15.05

Employee + Children Non-Tobacco Tobacco $2.08 $2.66 $2.61 $3.71 $3.70 $5.82 $5.58 $10.05

Employee + Family Non-Tobacco Tobacco $3.17 $4.11 $3.88 $5.59 $5.52 $8.77 $8.34 $15.23

Employee Age Non-Tobacco Tobacco 40 to 44 $7.43 $14.21 45 to 49 $11.10 $22.46 50 to 54 $15.94 $31.98 55 to 59 $22.04 $43.25 60 to 64 $30.78 $56.75 65 to 69 $38.71 $65.32 70 to 74 $50.10 $86.77 75 to 79 $71.71 $105.10 80 to 84 $87.48 $127.52 85 to 89 $123.24 $150.15 90 to 94 $123.24 $150.15 95+ $123.24 $150.15

Benefit Amount: $20,000

Employee Age Non-Tobacco Tobacco <25 $2.53 $3.31 25 to 29 $3.23 $4.70 30 to 34 $4.69 $7.51 35 to 39 $7.19 $13.17 40 to 44 $9.90 $18.94 45 to 49 $14.79 $29.94 50 to 54 $21.25 $42.64 55 to 59 $29.38 $57.66 60 to 64 $41.03 $75.66 65 to 69 $51.61 $87.09 70 to 74 $66.80 $115.69 75 to 79 $95.61 $140.13 80 to 84 $116.63 $170.02 85 to 89 $164.32 $200.20 90 to 94 $164.32 $200.20 95+ $164.32 $200.20

Employee + Spouse Non-Tobacco Tobacco $11.15 $21.47 $16.95 $34.53 $25.04 $50.19 $35.33 $68.98 $47.84 $88.52 $59.48 $102.48 $82.08 $136.74 $111.42 $164.69 $135.83 $199.96 $191.58 $234.24 $191.58 $234.24 $191.58 $234.24

Employee + Children Non-Tobacco Tobacco $7.60 $14.39 $11.27 $22.64 $16.12 $32.16 $22.22 $43.43 $30.95 $56.93 $38.88 $65.50 $50.28 $86.95 $71.89 $105.28 $87.66 $127.69 $123.42 $150.33 $123.42 $150.33 $123.42 $150.33

Employee + Family Non-Tobacco Tobacco $11.33 $21.65 $17.12 $34.71 $25.22 $50.37 $35.51 $69.16 $48.02 $88.69 $59.66 $102.66 $82.26 $136.92 $111.60 $164.86 $136.01 $200.13 $191.76 $234.42 $191.76 $234.42 $191.76 $234.42

Employee + Spouse Non-Tobacco Tobacco $3.98 $5.24 $4.93 $7.21 $7.11 $11.45 $10.88 $20.06 $14.86 $28.62 $22.59 $46.03 $33.38 $66.91 $47.10 $91.97 $63.78 $118.02 $79.30 $136.64 $109.43 $182.32 $148.55 $219.58 $181.10 $266.61 $255.43 $312.32 $255.43 $312.32 $255.43 $312.32

Employee + Children Non-Tobacco Tobacco $2.77 $3.54 $3.47 $4.94 $4.93 $7.75 $7.43 $13.40 $10.13 $19.18 $15.02 $30.18 $21.49 $42.88 $29.62 $57.90 $41.26 $75.90 $51.84 $87.33 $67.03 $115.93 $95.85 $140.37 $116.87 $170.25 $164.56 $200.44 $164.56 $200.44 $164.56 $200.44

Employee + Family Non-Tobacco Tobacco $4.22 $5.47 $5.17 $7.45 $7.35 $11.69 $11.12 $20.30 $15.10 $28.86 $22.82 $46.27 $33.62 $67.15 $47.34 $92.21 $64.02 $118.25 $79.54 $136.88 $109.67 $182.56 $148.79 $219.81 $181.34 $266.84 $255.67 $312.56 $255.67 $312.56 $255.67 $312.56

Costs are subject to change. Actual per pay period premiums may differ slightly due to rounding.

The policy’s rate structure is based on attained age, which means the premium can increase due to the increase in your age.

Important Policy Provisions and Definitions: Covered Person: An eligible person who is enrolled for coverage under the Policy.

Covered Loss: A loss that is specified in the Policy in the Schedule of Benefits section and suffered by the Covered Person within the applicable time period described in the Policy.

When your coverage begins: Coverage begins on the later of the program’s effective date, the date you become eligible, the first of the month following the date your completed enrollment form is received, or if evidence of insurability is required, the first of the month after we have approved you (or your dependent) for coverage in writing, unless otherwise agreed upon by Cigna. Your coverage will not begin unless you are actively at work on the effective date. Coverage for all Covered Persons will not begin on the effective date if the covered person is confined to a hospital, facility or at home, disabled or receiving disability benefits or unable to perform activities of daily living.

When your coverage ends: Coverage ends on the earliest of the date you and your dependents are no longer eligible, the date the group policy is no longer in force, or the date for the last period for which required premiums are paid. For your dependent, coverage also ends when your coverage ends, when their premiums are not paid or when they are no longer eligible. (Under certain circumstances, your coverage may be continued. Be sure to read the provisions in your Certificate about when coverage may continue.)

30 Day Right To Examine Certificate: If a Covered Person is not satisfied with the Certificate of Insurance for any reason, it may be returned to us within 30 days after receipt. We will return any premium that has been paid and the Certificate will be void as if it had never been issued.

Benefit Reductions, Common Exclusions and Limitations: Pre-Existing Condition Limitation:* In addition to any benefit-specific limitations, we will not pay benefits for a covered Critical Illness caused or contributed to by, or resulting from, a Pre-existing Condition. The term ''Pre-existing Condition'' means any sickness or injury for which an Covered Person received medical treatment, advice, care or services including diagnostic measures, took prescribed drugs or medicines or for which a reasonable person would have consulted a Physician within 12 months before the Covered Person’s most recent effective date of insurance, and the most recent effective date of any added or increased amount of insurance.

The Pre-Existing Condition Limitation will apply to any added benefits or increases in benefits. This Limitation will not apply to a covered Critical Illness for which the date of diagnosis occurs after the Covered Person is insured under this Policy for at least 12 months after the Covered Person’s most recent effective date of insurance, and effective date of any added or increased amount of insurance.

Exclusions: In addition to any benefit-specific exclusions, benefits will not be paid for any Covered Loss that is caused directly or indirectly, in whole or in part by any of the following:• intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane; • commission or attempt to commit a felony or an assault; • declared or undeclared war or act of war; • a Covered Loss that results from active duty service in the military, naval or air force of any country or international organization (upon our receipt of proof of service, we will refund any premium paid for this time; Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days); • voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage; • operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant (‘’Under the influence of alcohol’’, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Loss occurred)• a diagnosis not in accordance with generally accepted medical principles prevailing in the United States at the time of the diagnosis.

Specific Definitions, Benefit Exclusions and Limitations: The date of diagnosis must occur while coverage is in force and the condition definition must be satisfied. Only one Initial Benefit will be paid for each Covered Condition per person and benefits will be subject to separation periods and Maximum Lifetime Limits.

Invasive Cancer, uncontrolled/abnormal growth or spread of invasive malignant cells. Excludes pre-malignant conditions or conditions with malignant potential, carcinoma in situ, basal cell carcinoma, squamous cell carcinoma of the skin, unless metastatic disease develops, melanoma that is diagnosed as Clark’s Level I or II or Breslow less than 0.75mm, or melanoma in situ, or prostate tumor that is classified as T-1a, b, or c, N-0, and M-0 on a TNM classification scale. Also excludes the recurrence or metastasis of an original Cancer that was diagnosed prior to the coverage effective date if the Insured has undergone treatment for such cancer within 12 months of being diagnosed with cancer while under this coverage.

Carcinoma in Situ, non-invasive malignant tumor. Excludes premalignant conditions or conditions with malignant potential, skin cancers, invasive cancer (basal/squamous cell carcinoma or melanoma/ melanoma in situ).

Heart Attack, includes the following that confirms permanent loss of heart muscle function: 1) EKG; 2) elevation of cardia enzyme.

Stroke, cerebrovascular event–for instance, cerebral hemorrhage–confirmed by neuroimaging studies and neurological deficits lasting 96 hours or more. Excludes transient ischemic attack (TIAs), brain injury related to trauma or infection, brain injury associated with hypoxia or anoxia, vascular disease affecting eye or optic nerve or ischemic disorders of the vestibular system.

Coronary Artery Disease, heart disease/angina requiring coronary artery bypass surgery, as prescribed by a Physician.

Excludes angioplasty (percutaneous coronary intervention) and stent implantation.

Multiple Sclerosis, disease involving damage to brain and spinal cord cells with signs of motor or sensory deficits confirmed by MRI. Blindness, irreversible sight reduction in both eyes; Best corrected single eye visual acuity less than 20/200 (E-Chart) or 6/60 (Metric) or with visual field reduction (both eyes) to 20 degrees or less. May require loss be due to specific illness.

End-Stage Renal (Kidney) Disease, chronic, irreversible function of both kidneys. Requires hemo or peritoneal dialysis.

Major Organ Failure, includes: liver, lung, pancreas, kidney, heart or bone marrow. Happens when transplant is prescribed or recommended and placed on UNOS registry. If the Covered Person has a combination transplant (i.e. heart and lung), a single benefit amount will be payable. Recurrence Benefit not payable for same organ for which a benefit was previously paid.

Paralysis, complete, permanent loss of use of two or more limbs due to a disease. Excludes loss due to Stroke and Multiple Sclerosis.

Guaranteed Issue: If you are a new hire you are not required to provide proof of good health if you enroll during your employer's eligibility waiting period and you choose an amount of coverage up to and including the Guaranteed Issue Amount. If you apply for an amount of coverage greater than the Guaranteed Issue Amount, coverage in excess of the Guaranteed Issue Amount will not be issued until the insurance company approves acceptable proof of good health. Guaranteed Issue coverage may be available at other specified periods of time. Your employer will notify you when these periods of time are available. Pre

Guaranteed Issue: existing condition limitation: Pre-existing condition limitations may apply. Your Spouse must be age 18 or older to apply if evidence of insurability is required. *State Variations For purposes of this brochure, wherever the term Spouse appears, it shall also include Domestic Partner registered under any state which legally recognizes Domestic Partnerships or Civil Unions.Spouse definition includes civil union partners in New Hampshire and Vermont. Portability in VT is referred to as Continuation due to loss of eligibility. VT residents are not subject to the age limit to continue coverage. Pre-existing Condition Limitation differs in ID, NC and SC. Exclusions may vary for residents of ID, MN, NC, SC, SD, VT and WA. THIS POLICY PAYS LIMITED BENEFITS ONLY. IT DOES NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND IS NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT A MEDICAID OR MEDICARE SUPPLEMENT POLICY.

Series 2.0/2.1 Terms and conditions of coverage for Critical Illness Insurance are set forth in Group Policy No. CI960362. This is not a contract.

Please see your Plan Sponsor to obtain a copy of the Policy. If there are any differences between this summary and the Group Policy, the information in the Group Policy takes precedence. Product availability, costs, benefits, riders, covered conditions and/or features may vary by state. Please keep this material as a reference. Insurance coverage is issued on group policy form number: Policy Form GCI-02-1000. Coverage is underwritten by Life Insurance Company of North America, 1601 Chestnut St. Philadelphia, PA 19192 All Cigna products and services are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Life Insurance Company of North America. The Cigna name, logo, and other Cigna marks are owned by Cigna Intellectual Property, Inc. 905808 11/19 © 2021 Cigna. Some content provided under license.