Vendition Benefit Guide by Sterling Seacrest Pritchard

2022 - 2023 BENEFITS GUIDE May 1st, 2022 – April 30th, 2023

WELCOME!

Our employees are our greatest resource. That's why Vendition is continuing to provide you with health plans, wellness enhancements, and benefits that make sense for you and your family and your busy Pleaselifestyle.take the time to carefully review the information, carrier changes and all the benefits offered to you, to ensure you get the best value based on your needs. We hope the benefits offered will inspire you and your dependents to take charge of your health and continue making wellness a priority. ENROLLMENT Open Enrollment is your opportunity to add, cancel, or make changes to your benefits. The next open enrollment period is a May 1st, 2023, effective date You may only change coverage due to an IRS qualified “life event” and must do so within 30 days of the event. A qualifying event is a significant change in a person’s life that creates the need to add, cancel, increase, or change coverage. We encourage you to review all your benefits and make selections wisely.

• Marriage •

OPEN

• Employment

• Birth

Eligiblestudent. dependents include: • Spouse • Dependent children • Legally adopted children • Stepchildren

QUALIFYING EVENTS Once you have made your elections, you are NOT eligible to change or drop coverage until the next Open Enrollment period unless you have a qualifying event. If you experience a qualifying life event, contact the Human Resources Department within 30 days of your qualifying event. If you fail to do so, you will have to wait until the next open enrollment period to make any changes to your coverage. Qualifying life events include, but are not limited to: Divorce or adoption changes from Part time to Full-time Change in dependent status (i.e. Dependent child reaches age 26 limit) hires are eligible for benefits on the first of the month following your date of hire. You may enroll yourself and eligible dependents for coverage. You must enroll yourself in benefits in order to enroll your dependents. Dependent children are eligible for the group health plan until their 26th birthday regardless of whether they are a full time

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Vendition Benefit Guide | 2 ELIGIBILITY New

HOW TO ENROLL All employees are required to login to Employee Navigator to make elections or waive coverage. To begin, visit www.employeenavigator.com and use the steps below to login or you can click here to watch an instructional video. 1. Click "Login" at the top right-hand corner of the page. 2. Click on Register as a new user. All employees will need to register as a new user. Create your account by entering: • Your first and last name as they appear in payroll. • The Vendition company identifier –VENDITION • The last 4 digits of your SSN. • Your date of birth. Vendition Benefit Guide | 3 If you encounter a login error, please reach out to Marie Volk at Sterling Seacrest Pritchard – mvolk@sspins.com.

MEDICAL Vendition Benefit Guide | 4 Medical benefits are available through Blue Shield of California. Online Resources: Find a doctor, view your ID card or access telehealth through www.blueshieldca.com. New members can register using their member ID or social security number. IN-NETWORK Blue Shield Silver Blue Shield Gold Blue Shield Platinum Coinsurance (Blue Shield pays) 65% 70% 90% Calendar Year Individual/FamilyDeductible $1,800 / $3,600 $0 / $0 $0 / $0 Out-of-PocketIndividual/FamilyMaximum $8,350 / $16,700 $8,100 / $16,200 $4,500 / $9,000 Preventive Care $0 $0 $0 Office Visit Copays Primary Care Physician $45 copay $25 copay $10 copay Specialist $75 copay $55 copay $25 copay Lab $25 copay $25 copay $10 copay Imaging (CT/PET scans, MRIs) $80 + 35% $50 + 30% $25 + 10% Emergency Room Copay $300 + 35% $250 + 30% $150 copay Urgent Care $45 copay $25 copay $100 copay Inpatient Hospital & Services Ded + 35% Ded + 30% Ded + 10% Outpatient Hospital & Services $250 + 35% $150 + 30% $150 + 10% Prescription Drug - Deductible $300 / $700 Tier 1 / Tier 2 / Tier 3 / Tier 4 30%$20/$75/$115tomaxof$250 30%$15/$40/$60tomaxof$250 30%$5/$30/$50tomaxof$250 OUT-OF-NETWORK Coinsurance (Blue Shield pays) 50% 50% 70% Calendar Year Individual/FamilyDeductible $3,600 / $7,200 $1,000 / $2,000 $1,000 / $2,000 Out-of-PocketIndividual/FamilyMaximum $16,700 / $33,400 $16,200 / $32,400 $9,000 / $18,000 Above is a snapshot of the plan benefits. For a more comprehensive review, please refer to the Summary of Benefits produced by the insurance carrier. In the event of a conflict with the insurance carrier, the contract takes precedent. Premiums are based on age. Vendition contributes 99% of the employee premium and 60% of the dependent premium for the Silver Plan. Please refer to Employee Navigator for yourself and your dependents.

DENTAL Vendition Benefit Guide | 5 Dental benefits are available through Principal. VISION Principal offers easy access to thousands of conveniently located vision care providers through VSP. To locate in network eye care doctors or locations www.principal.com/visionvisit: As a VSP member, you and your dependents are eligible for additional discounts such as Lasik, contacts, glasses and others www.vsp.com/offers/specialthroughoffers CA Residents Non-CA Residents Annual Deductible (Waived for Preventative) Individual / Family $0 / $50 / $100 $50 / $100 Yearly Maximum Benefit per Person $1,500 $1,500 Preventative Services (Oral Exams, Cleanings, X-rays) 100% 100% Basic Services (Fillings, Emergency Palliative Treatment etc.) 80% 80% Major Services (Crowns, Endodontics, Periodontics, etc.) 50% 50% Orthodontia Services 50% 50% Orthodontia Maximum $1,500 $1,500 Monthly Cost Employee Only $0.34 $0.34 Employee Spouse $12.81 $12.81 Employee + Child(ren) $26.18 $26.18 Family $42.00 $42.00 Exam $10 Frequency 12 /12 / 24 Frames $130 allowance SingleLenses $25 Bifocal $25 Trifocal $25 Contact Lenses (in lieu of frames) $130 allowance Monthly Cost Employee Only $0.08 Employee Spouse $2.94 Employee + Child(ren) $3.02 Family $6.46

Employee Life & AD&D Vendition Benefit Guide | 6 Basic Life Insurance and AD&D – All full-time employees are provided $50,000 of Basic Life and Accidental Death & Dismemberment benefit. Employee Assistance Program – With EAP, you and your family have access to free confidential resources to help handle life’s everyday – and not so everyday – challenges. Services for you and your family:  In-person or virtual counseling  Work-life web services  Legal services  Financial wellness  Identity theft resources Benefits are available through Principal. 24/7 access to your EAP Phone: WhenMember.MegellanHealthcare.comTTY:International:800-450-1327800-662-4504711youcreateanaccountenter Principal Core as the program name.

Voluntary Long-Term Disability – Employees have the option to purchase long term disability. Benefit Amount: 60% of monthly earnings up to a maximum of $10,000 for a covered accidents or sicknesses.

Benefit Period: up to Social Security Normal Retirement Age (SSNRA)

Child(ren): Up to a maximum of $10,000. Coverage begins at 15 days. Accident coverage provides benefits for common on/off-job accidental injuries and related treatments. Benefits are payable for covered injures such as dislocations, fractures and burns; and treatments including ER visits, x rays and surgery.

Increments of $10,000 up to a maximum of $300,000 subject to medical eligibility. At your initial enrollment, you are eligible for up to a $100,000 with no medical questions asked.

Additional Benefits provided through Principial: Benefit Guide |

Voluntary Life Insurance and AD&D – Employees are offered the option to purchase additional life insurance through Principle. Rates will vary based on age and the benefit you select.

Spouse: Increments of $5,000 up to a maximum of $100,000 (not to exceed 50% of employee’s amount). Subject to medical eligibility. At your initial enrollment, your spouse is eligible for up to a $20,000 with no medical questions ask.

Benefit Period: up to 12 weeks

Plan Employee:Highlights

Waiting Period: 90 days

Voluntary Short-Term Disability –Employee have the option to purchase short term disability. Benefit Amount: 60% of weekly salary up to a maximum of $2,500 for non-work related accidents or sicknesses.

Critical Illness coverage provides a lump sum benefit if you or a covered family member are diagnosed with a critical illness such as a heart attack, cancer or stroke. All rates can be found in your Employee Navigator portal.

Vendition

Waiting Period: Benefits begin on day 15

Claims Questions? Darlene CopyNameNameDateSubscriberINFORMATIONBEdmoorman@sspins.com770.635.0439MoormanSURETOHAVETHEFOLLOWINGWHENCALLING:ID#ofServiceofPatientofDoctor,FacilityorHospitalofBillorExplanationofBenefits (EOB) Benefit Questions? Marie LauraD@sspins.com770.635.4016Lauramvolk@sspins.com770.635.0451VolkDelavan Your Employee Support Contacts KEY CONTACTS & RESOURCES Questions on your benefits or need assistance with Claims, contact Sterling Seacrest Pritchard: Vendition Benefit Guide | 8

If you decline enrollment in your employer's health plan for you or your dependents (including your spouse) because of other health insurance or group health plan coverage, you or your dependents may be able to enroll in your employer's plan without waiting for the next open enrollment period if you:

The continuation required by Federal Law does not apply to any benefits for loss of life, dismemberment or loss of income. Federal law enables you or your dependent to continue health insurance if coverage would cease due to a reduction of your work hours or your termination of employment (other than gross misconduct) Federal law also enables your dependents to continue health insurance if their coverage ceases due to your health, divorce, or legal separation, or with respect to a dependent child, failure to continue to qualify as a dependent. Continuation must be elected in accordance with the rules of your Employer's group health plan(s) and is subject to federal law, regulations and interpretations MEDICAID AND THE CHILDREN'S HEALTH INSURANCE PROGRAM (CHIP)

Federal law prohibits the plan from limiting a mother's or newborn's length of hospital stay to less than 48 hours for a normal delivery or 96 hours for a Cesarean delivery or from requiring the provider to obtain pre authorization for a stay of 48 or 96 hours, as appropriate. However, federal law generally does not prohibit the attending provider, after consultation with the mother, from discharging the mother or her newborn earlier than 48 hours for normal delivery or 96 hours for Cesarean delivery

• Lose other health insurance or group health plan coverage You must request enrollment within 30 days after the loss of other coverage

• Prostheses; and

• Gain a new dependent as a result of marriage, birth, adoption or placement for adoption. You must request (medical plan OR health plan) enrollment within 30 days after the marriage, birth, adoption or placement for adoption

WOMEN'S HEALTH ACT Vendition, in accordance with HIPAA, protects your Protected Health Information (PHI). We will only discuss your PHI with medical providers and third party administrators when necessary to administer the plan that provides you your medical, dental and vision benefits or as mandated by law A copy of the Notice of Privacy is available upon request through your Human Resources department SPECIAL ENROLLMENT NOTICES

The continuation required by Federal Law does not apply to any benefits for loss of life, dismemberment or loss of income. Federal law enables you or your dependent to continue health insurance if coverage would cease due to a reduction of your work hours or your termination of employment (other than gross misconduct). Federal law also enables your dependents to continue health insurance if their coverage ceases due to your health, divorce, or legal separation, or with respect to a dependent child, failure to continue to qualify as a dependent. Continuation must be elected in accordance with the rules of your Employer's group health plan(s) and is subject to federal law, regulations and interpretations NEWBORNS' & MOTHERS' HEALTH PROTECTION ACT

LEGAL NOTICES

• All stages of reconstruction of the breast on which the mastectomy was performed; • Surgery and reconstruction of the other breast to produce a symmetrical appearance;

• Treatment of physical complications of the mastectomy, including lymphedema. These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits provided under this plan If you have any questions about your coverage, please contact your Human Resources department.

• Lose Medicaid, or Children's Health Insurance Program (CHIP) coverage because you are no longer eligible. You must request medical plan enrollment within 60 days after the loss of such coverage.

HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA) Vendition Benefit Guide |

CONTINUATION REQUIRED BY FEDERAL LAW FOR YOU & YOUR DEPENDENTS (COBRA)

THIS GUIDE This brochure summarizes the health care and income protection benefits that are available to Vendition and their eligible dependents. Official plan documents, policies, and certificates of insurance contain the details, conditions, maximum benefit levels and restrictions on benefits. These documents govern your benefits program. If there is any conflict, the official documents prevail. These documents are available upon request through your Human Resources department. Information provided in this brochure is not a guarantee of benefits. If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women's Health and Cancer Rights Act of 1998 (WHCRA) For individuals receiving mastectomy related benefits, coverage will be provided in a manner determined in consultation with the attending physician and the patient for:

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