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BENEFITS GUIDE January 1, 2022 – December 31, 2022

TABLE OF CONTENTS

At Amware we know that our employees are crucial to our success. That’s why we provide you with an excellent, diverse benefits package that helps protect you and your family now and into the future. *This Benefits Guide outlines the health and welfare plans offered to you and your family. It contains general information and is meant to provide a brief overview. For complete details regarding each benefit plan offered, please refer to the individual plan documents as the information contained herein is for illustrative purposes. More details can be found in the plan specific Summary Plan Description(s) and/or Summary of Coverage. In the case of a discrepancy the plan specific documents will prevail.

Page 3

A Smarter Way to Better Health

Page 4

Eligibility

Page 5

How to Enroll

Page 6

Meet Maestro Health

Page 7-8

Medical Plans

Page 9

What is Reference Based Pricing?

Page 10

Teledoc

Page 11

Benefits That Pay You Cash

Page 12-14

Wellness Program

Pages 15

Rx Programs

Page 16

Dental Insurance

Page 17

Vision Insurance

Page 18

Life Insurance

Page 19

Disability Insurance

Page 20

Flexible Spending Accounts (FSA)

Page 21

401(k)

Page 22-23

Employee Assistance Program (EAP)

Page 24

Employee Payroll Deductions

Page 25

Key Contacts and Resources

Page 26

Rx Savings Tools

A SMARTER WAY TO BETTER HEALTH

It’s Your Health. Get Involved

Your health is a work in progress that needs your consistent attention and support. Each choice you make for yourself and your family is part of an ever-changing picture. Taking steps to improve your health such as going for annual physicals and living a healthy lifestyle can make a positive impact on your well-being. It’s up to you to take responsibility and get involved, and we are pleased to offer programs that will support your efforts and help you reach your goals.

Preventive Health Care Services

Preventive care includes services like checkups, screenings and immunizations that can help you stay healthy and may help you avoid or delay health problems. Many serious conditions such as heart disease, cancer and diabetes are preventable and treatable if caught early. It’s important for everyone to get the preventive care they need. Some examples of preventive care services are: o o o o

Immunizations

Understanding What’s Covered

Blood pressure, diabetes and cholesterol tests Certain cancer screenings, such as mammograms and colonoscopies without prior diagnosis Counseling, screenings and vaccines to help ensure healthy pregnancies Regular well-baby and well-child visits

Some immunizations and vaccinations are also considered preventive care services. Standard immunizations recommended by the Centers for Disease Control (CDC) Include: hepatitis A and B, diphtheria, polio, pneumonia, measles, mumps, rubella, tetanus and influenza although these may be subject to age and/or frequency restrictions. If a service is considered preventive care, it will be covered at 100% as long as you stay in the insurance carrier’s network. If it’s not, it may still be covered subject to a copay, deductible or coinsurance. The Affordable Care Act (ACA) requires that services considered preventive care be covered by your health plan at 100% in-network, without a copay, deductible or coinsurance. To get specifics about your plan’s preventive care coverage, call the customer service number on your member ID card. You may want to ask your doctor if the services you’re receiving at a preventive care visit (such as an annual checkup) are all considered standard preventive care. If any service performed at an annual checkup is as a result of a prior diagnosed condition, the office visit may not be processed as preventive, and you may be responsible for a copay, coinsurance or deductible. To learn more about the ACA or preventive care and coverage, visit www.healthcare.gov.

Amware Benefit Guide | 3

ELIGIBILITY Who is Eligible to Join the Benefit Plan?

Annual Open Enrollment?

You and your dependents are eligible to join the health and our company welfare benefit plans if you are a fulltime employee regularly scheduled to work 30 hours per week. You must be enrolled in the plan to add dependent coverage.

Each year during the annual Open Enrollment Period, you are given the opportunity to make changes to your current benefit elections. To find out when the annual Open Enrollment Period occurs, contact Human Resources.

Who is an Eligible Dependent?

Qualifying Event Changes

• Your spouse to whom you are legally married

You are allowed to make changes to your current benefit elections during the plan year if you experience an IRS-approved qualifying change in life status. The change to your benefit elections must be consistent with and on account of the change in life status.

• Your domestic partner with whom you have shared a residence and financial obligations for 6 months or more • Your dependent child under the maximum age specified in the Carriers’ plan documents including:  Natural child  Adopted child  Stepchild  Child for whom you have been appointed as the legal guardian *Your child’s spouse and a child for whom you are not the legal guardian are not eligible. The Dependent Maximum Age Limits is up to age 26. The dependent does not need to be a full-time student; does not need to be an eligible dependent on parent’s tax return; is not required to live with you; and may be unmarried or married.

IRS-approved qualifying life status changes include: • Marriage, divorce or legal separation • Birth or adoption of a child or placement of a child for adoption • Death of a dependent • Change in employment status, including loss or gain of employment, for your spouse or a dependent • Change in work schedule, including switching between full-time and part-time status, by you, your spouse or a dependent • Change in residence or work site for you, your spouse, or a dependent that results in a change of eligibility

Once the dependent reaches age 26, coverage will terminate on the last day of the birth month.

• If you or your dependents lose eligibility for Medicaid or the Children’s Health Insurance Program (CHIP) coverage

A totally disabled child who is physically or mentally disabled prior to age 26 may remain on the if the child is primarily dependent on the enrolled member for support and maintenance.

• If you or your dependents become eligible for a state’s premium assistance subsidy under Medicaid or CHIP

When Do Benefits Become Effective? Your Medical, Dental, Vision, Life Insurance, Short Term Disability, Long Term Disability, Business Travel Accident, Flexible Spending Account and Employee Assistance Program benefits become effective on the first of the month following your date of hire. Your retirement plan becomes effective on the 1st of the month following 90 days.

If you have a life status change, you must notify the company within 60 days for changes in life status due to a Medicare or CHIP event and within 31 days of the other events. If you do not notify the company during that time, you and/or your dependents must wait until the next annual open enrollment period to make a change in your benefit elections.

Please note, loss of coverage due to non-payment or voluntary termination of other coverage outside a spouse’s or parent’s open enrollment is not an IRS-approved qualifying life event, and you do not qualify for a special enrollment period. Amware Benefit Guide | 4

HOW TO ENROLL D e a d l i n e : N o v e m b e r 2 9 th

Everyone will meet with a Benefits Counselor either in-person or via call. They will walk you through your enrollment options inside of ADP. Ask your GM when your appointment is. If you are unable to meet with a Benefits Counselor, you may self-enroll in ADP WORKFORCE NOW

First-time users, use the registration code: amware1-adp STEP 1 • Go to https://workforcenow.adp.com and login using your credentials. *If you cannot remember your password, click “Forgot User ID/Password”. An email will be sent to your email on file.

STEP 2 • You may click Start This Enrollment or Remind Me Later.

STEP 3 • You will be routed to the Enrollments page, where you have the option to either start the Open Enrollment process or review your current benefits.

STEP 4 • To start, click Enroll Now in the Open Enrollment box. Please review all information on this screen, as there are often important references for your Open Enrollment options.

STEP 5 • The left side of the screen will indicate the different plan types that are available to enroll in. When you are viewing the selected plan type, all enrollment options will be displayed on screen.

STEP 6 • You may choose to click Select Plan for the desired enrollment or Waive This Benefit. If you chose to waive a benefit, you may be required to select a waive reason.

STEP 7 • When you choose to enroll in a plan, you may review your costs on a Per Pay Period, Monthly, or Annual basis by selecting the desired view in the calculator drop-down. The rate displayed to the left will be updated based on your selection, and it will also be updated if dependents are added for coverage.

STEP 8 • While enrolling in a plan, please be sure to indicate which dependents should be covered in Step 2, if applicable. If you need to update or add a dependent, you may click the Manage Dependents link in step 2.

STEP 9 • Click Continue to Preview. Review your enrollment, costs and covered individuals carefully. Then click Save and Continue to Next Benefit to continue making your desired selections.

STEP 10 • Review all selections. When you are ready to confirm your selections, click Submit Enrollment. Please note that your benefit elections will not be processed until you click Submit Enrollment. If Save for later is selected, these enrollments will not be submitted to your HR team until you fully submit the enrollment. • If you would like to make additional changes or modifications during the Open Enrollment Period, you may log in and navigate to Myself > Benefits > Enrollments and click the Enroll Now option again in the Open Enrollment box, which will bring you back to the beginning of the profile to make any desired election changes.

YOUR HEALTH PLAN ADMINISTRATOR

Who is Maestro Health?

Maestro Health will administer and manage Amware’s health plan. We audit your claims and manage Amware’s funds to pay for claims. Part of auditing includes identifying any fraud and/or inaccurate fees within your claims. Our goal is to ensure that you receive care at a fair price and to be your advocate by helping you navigate the complexities of the healthcare system.

Who we’re NOT

Although it may be confusing, we’re not an insurance company. Amware has chosen to operate and fund their own health plan with a self-funded health plan management model as opposed to purchasing a fully-insured plan from an insurance company. Since Amware is not using an insurance company, they’ve entrusted us to help administer the health benefits plan that they have designed.

Finding Doctors Getting ID Cards Checking Deductibles

Online: mybenefits.maestrohealth.com Mobile App: Maestro Health mBENEFITS™ for Apple and Android Log in with your username and password or click “Register” to sign up. You’ll need your member ID from your health plan ID card. You can access your benefits info anytime, anywhere with the Maestro Health My Benefits™ web portal—available via desktop or mobile app. Portal features include: • Interactive dashboard—your benefits at a glance • Eligibility—the plans you’re enrolled in are highlighted • Claims summary and history—details of your submitted claims • ID Card…and more…

Amware Benefit Guide | 6

MEDICAL

NETWORK

Amware Plans Using the Cigna Network Physician & Facility

BUY-UP PLAN - $500

BASE PLAN - $2,500

Deductible

$500 Individual | $1,000 Family

$2,500 Individual | $5,000 Family

Coinsurance

20% after deductible

Annual Out-of-Pocket Max

$5,000 Individual | $10,000 Family

$6,600 Individual | $13,000 Family

PCP Office Visit

$30 Copay

$40 Copay

Specialist Office Visit

$60 Copay

$80 Copay

Telemedicine

$0 Copay

Preventive Care Services

Plan pays 100%

Lab Diagnostics & X-Ray

Site of Care Copay / Coinsurance

Complex Imaging Services (CT Scans, PET Scans & MRI’s)

Deductible, then 20%

Hospital Inpatient Care

Deductible, then 20%

Outpatient Surgery

Deductible, then 20%

Emergency Room*

$250 Copay

$350 Copay

Urgent Care

$0 Copay

Prescription Drugs**

You pay either a copay &/or coinsurance per the assigned prescription drug tier which can be found in the prescription drug formulary. These plan meet the CMS standard for creditable prescription drug coverage.

Tier 1 - Generic

$10 Copay Mail Order: $25 Copay

$15 Copay Mail Order: $37.50 Copay

Tier 2 – Preferred Brand (INTL)

$40 Copay Mail Order: $100 Copay ($0)

$45 Copay Mail Order: $112.50 Copay ($0)

Tier 3 – Non-Preferred Brand (INTL)

$70 Copay Mail Order: $175 Copay ($0)

$85 Copay Mail Order: $212.50 Copay ($0)

Tier 4a – Multi-Source Specialty

20% up to $350 Max Mail Order: Not available

Tier 4a – Single-Source Specialty

Refer to Payer Matrix Section

Out-of-Network Benefits

Ded. – $1,000 | $2,000 OOP Max – $8,000 | $16,000 Coverage – Ded., then 40%

Ded. – $10,000 | $20,000 OOP Max – $13,200 | $26,400 Coverage – Ded., then 40%

*When you visit an ER for non-emergency medical care, services are subject to the deductible, then 20% coinsurance **The prescription drug coverage provided by the $500 or $2,500 deductible Point of Service medical plan is expected to pay out as much as standard Medicare prescription drug coverage pays. This is important because members who enroll in a Medicare prescription drug plan after their initial eligibility period, may pay a higher premium (a penalty) if they were enrolled in a group health plan with non-creditable prescription drug coverage.

Amware Benefit Guide | 7

NETWORK

MEDICAL Amware Plans Using the PHCS Physician Network Physician & Facility

NAVIGATE PLAN - $2,500

Deductible

$2,500 Individual | $5,000 Family

Coinsurance

15% after deductible

Annual Out-of-Pocket Max

$4,000 Individual | $8,000 Family

PCP Office Visit

$30 Copay

Specialist Office Visit

$60 Copay

Telemedicine

$0 Copay

Preventive Care Services

Plan pays 100%

Lab Diagnostics & X-Ray

Site of Care Copay / Coinsurance

Complex Imaging Services (CT Scans, PET Scans & MRI’s)

Deductible, then 15%

Hospital Inpatient Care

Deductible, then 15%

Outpatient Surgery

Deductible, then 15%

Emergency Room

$350 Copay

Urgent Care

$0 Copay

Prescription Drugs

Tier 1 - Generic

$10 Copay Mail Order: $25 Copay

Tier 2 – Preferred Brand (INTL)

$40 Copay Mail Order: $100 Copay ($0)

Tier 3 – Non-Preferred Brand (INTL)

$70 Copay Mail Order: $175 Copay ($0)

Tier 4a – Multi-Source Specialty

20% up to $350 Max Mail Order: Not available

Tier 4a – Single-Source Specialty

Refer to Payer Matrix Section

*When you visit an ER for non-emergency medical care, services are subject to the deductible, then 20% coinsurance

The prescription drug coverage provided by the $500 or $2,500 deductible Point of Service medical plan is expected to pay out as much as standard Medicare prescription drug coverage pays. This is important because members who enroll in a Medicare prescription drug plan after their initial eligibility period, may pay a higher premium (a penalty) if they were enrolled in a group health plan with non-creditable prescription drug coverage. Amware Benefit Guide | 8

mybenefits.maestrohealth.com

800-403-4098 Amware Benefit Guide | 9

24/7

ACCESS TO A DOCTOR Don’t wait weeks for an appointment and skip the trip to urgent care. Teledoc connects you with the right care — right now. No matter what you face the Teledoc therapists and specialists are available diagnose and treat many common conditions and provide guidance to move in treating a serious medical condition.

doctors, 24/7 to medical forward

Teladoc doctors can treat and diagnose many common medical conditions, including: • • • • • • •

Cold and flu symptoms Allergies Ear Infections Pink Eye Respiratory Infections Sinus Problems Skin Problems, and More

Save Money on Visits When you use Teledoc to treat an injury, illness or to get the advice you need, the cost is simple with a $10 copay per visit.

DOCTORS LOCATED ACROSS ALL 50 STATES

THE RIGHT CARE WHEN YOU MOST NEED IT

EVERYDAY CARE

MEDICAL EXPERTS

MENTAL HEALTH

WELLNESS & PREVENTION

SET UP YOUR ACCOUNT IN MINUTES Most people download the app or get started online. You can also call 1-800-Teladoc. Then fill out a brief medical history like you would at a doctor’s office.

Vatica Health Benefit Guide | 10

BENEFITS THAT PAY YOU CASH You now have the option of purchasing benefits that cover the gaps in you and your dependents’ medical insurance policy. These plans are supplemental to your regular health insurance plans and provide cash benefits to help cover expenses that normal insurance does not. You do not need to be enrolled in the medical plan to take advantage of these policies.

ACCIDENT POLICY

CRITICAL ILLNESS POLICY

HOSPTIAL REIMBURSEMENT POLICY

The accident policy provides employees the ability to get paid cash when an injury occurs. This is the most popular cash benefit for those with dependents and those physically active employees. The following are some of the eligible benefits: - Emergency Care - Transportation: Ambulance/Air - Fractures - Lacerations - Dislocations - Concussions - Motor Vehicle Accidents - Recovery Assistance - Wellness benefit of $50 for each enrolled family member

UNUM’s critical illness policy pays you cash upon diagnosis of a serious illness. This policy will pay you a lump-sum of up to $10,000, $20,000 or $30,000 if you are diagnosed with one of the following below. Children are free in this plan. - Cancer - Heart attack - COPD (Chronic Obstructive Pulmonary Disease) - Renal (Kidney) Failure - Stroke - Major Organ Failure - AIDS - Traumatic Brain Injury, Severe Burns, Permanent Paralysis - Wellness benefit: - $50 if enrolled in $10,000 of coverage - $75 if enrolled in $20,000 of coverage - $100 if enrolled in $30,000 of coverage

Hospital Indemnity Insurance is offered through UNUM. The cash you received can be used to cover the expenses incurred from a hospitalization. Benefits are paid directly to you when you need it most. It can be used however you choose. You also get a Wellness benefit of $50 for each enrolled family member. Amware Benefit Guide | 11

WELLNESS PROGRAM

Amware provides access to the HealthCheck360 Wellness Program. HealthCheck360 is your well-being partner, devoted to improving your health and overall well-being. HealthCheck360 provides you with the tools, motivation and support to assist you in your journey to a healthier you. To participate, you must complete the Biometric Screening, Health Risk Assessment, Review of Findings Call, and Condition Management*.

By participating in our Wellness Program, you have the ability to save $40 per month – Refer to the “Employee Payroll Deductions” section of this Benefits Guide. What’s in the HealthCheck360 program? • Biometric Screening: A screening given by a certified health professional which includes a series of measurements and a blood draw. The exam requires an eight hour fast before your scheduled appointment • Health Risk Assessment: A lifestyle survey that includes topics shown to be significant future health risks. After the survey is complete, you will receive an individual report outlining your HealthCheck360 score (0-100) and overview of your physical and mental health. The way you answer the survey has no affect on the score you receive • Review of Findings Call (Health Coaching Call): A call with a HealthCheck360 Health Coach to review your biometric results, set attainable goals, and gain confidence in your ability to maintain good health • Condition Management*: Individuals with chronic conditions will have an opportunity to work with clinical staff to better manage their condition All information is confidential. Your personal results will not be shared with anyone at Amware. At Amware we care about the health of our employees. We are committed to creating personal health awareness and offering the tools necessary to support you in maintaining or improving your overall health. Amware Benefit Guide | 12

There's no time like the present! There is still time to complete your biometric screening with HealthCheck360. It only takes a couple of minutes to sign up. The quick and easy screening is your first step towards long-term health and savings! Don't miss out! You still have the option to screen through LabCorp or your Primary Care Physician!

Get Started Complete your screening by: 10/29/2021 Your company code: AMWRE Complete Your Screening 1. Log in to your myHealthCheck360 mobile app 2. Select More, then select the Schedule Screening button 3. Follow prompts You can also schedule your appointment online at www.myHealthCheck360.com FAQs Will my results be confidential? Yes! We follow the same confidentiality standards as your doctor. No one at your company will see your results. Where can I go with questions? If you have questions, check out our FAQs here, or contact HealthCheck360 at 866.511.0360 or support@healthcheck360.com. Amware Benefit Guide | 13

WELLNESS MADE EASY Download the myHealthCheck360 mobile app today!

EVERYTHING AT YOUR FINGERTIPS Get more than ever before with the myHealthCheck360 mobile app. More access, more support, and better tracking. Get started with the myHealthCheck360 mobile app by following the steps below. C R E A T E Y O U R A C C O UN T Download the myHealthCheck360 app Click Create an account and enter your information Your company code is AMWRE Your unique identifier is your last 4 SSN Agree to the terms and conditions and click SIGN UP L O OKI NG F OR M O R E H O W T O ’ S O N T H E A P P ? Visit our Knowledge Center

PRO TIP

CONNECT YOUR DEVICE Get the most from your myHealthCheck360 experience by connecting a device like FitBit or Garmin, or a tracking app like Apple Health or MyFitnessPal. T O C O N N E CT A D E V I C E Select More at the bottom of your screen Select Connect Apps & Devices Find your fitness app or device and select Connect Select OK and login to your fitness app’s account

Amware Benefit Guide | 14

RX PROGRAMS SPECIALTY DRUG PROGRAM Who is Payer Matrix? Payer Matrix is a Specialty Drug Cost Management & Member Advocacy Company who partners with Self-Funded Health Plans to reduce the financial burden of high cost specialty drugs for the employer and their members, by securing alternate funding through the manufacturer’s assistance programs. Is my medication still covered? The plan will still pay for your medication with no increase in co-pay or cost share to you. However the method of obtaining these medications have changed. Instead of funneling through our Pharmacy Benefits Manager, this will now funnel through Payer Matrix. If Payer Matrix is unable to obtain secure alternative funding then coverage will revert to our traditional PBM coverage. What if my income is too high to qualify? Do I still have to work with Payer Matrix and go through the program? Payer Matrix is now the interface for all specialty medication. The coverage under the medical benefit’s plan is the same for all employees regardless of pay grade. Therefore, all employees seeking benefits must go through the same process. Who do I contact with additional questions? Please contact our Benefits Advisor (678) 488-6838 or Payer Matrix’s Customer Service at (877) 305-6202

$0 MAIL ORDER PROGRAM INTL specializes in finding better pricing for high-cost medications. Delivered to your doorstep! Who is Eligible? Amware is making this program available to members enrolled in the health plan. If you are currently on any eligible maintenance medications, you will want to follow the steps below for potential cost savings to you! Which drugs are available through INTL? These would include: Enbrel, Otezla, Ozempic, Humalog, Baqsimi, Restasis, Janumet, Eliquis, Pradaxa, Xarelto, Breo Ellipta, and MANY MANY More! What are the Costs? There are no costs to participate in the INTL program. Your employer has paid 100% of the cost of this service for you and your family as long as you are enrolled in your employer’s health plan. Prescriptions obtained through this service are NO COST TO YOU!

CALL 866-488-7874

Amware Benefit Guide | 15

DENTAL Unum Dental Plan Our Dental benefits, administered by Unum, provide a wide range of dental services including preventive care, fillings, and x-rays. You have the freedom of choice to utilize in-network or out-of-network providers. For a list of in-network providers, visit www.unumdentalcare.com. When you visit an in-network dentist, your out-of-pocket expenses are lower. In-network dentists will file the claim for you and services are paid at the Unum’s negotiated rate. Eligible employees may elect coverage for themselves, a spouse and eligible dependent children. Dependent children are covered up to age 26, regardless of student status. To find a dentist, log on to www.unumdentalcare.com.

Unum Dental - Eligibility

Primary enrollee, spouse and eligible dependent children to the end of the month said dependent turns age 26

Your Deductible

$50 Individual / $150 Family

Deductible Waived for Diagnostic & Preventive (D&P) and Orthodontics?

Yes

Calendar Year Maximum

$2,000 Per Person each Calendar Year

Carryover Benefit

$400, Threshold Limit $800, Carryover Max: $1,500

Waiting Periods?

None

Unum – Benefits & Covered Services

In-Network

Out-of-Network**

Preventive Services Exams, Cleanings, X-Rays and Sealants

100% (Deductible waived)

Basic Services Fillings and Periodontal Maintenance

80% after Deductible

Endodontics (Root Canals)

80% after Deductible

Periodontics (Gum Treatment)

80% after Deductible

Oral Surgery

80% after Deductible

Major Services Crowns, Inlays, Onlays, Cast Restorations and TMJ

50% after Deductible

Prosthodontics Bridges, Dentures and Implants

50% after Deductible

Orthodontics (Children up to age 19)

50% (Deductible waived)

Lifetime Orthodontic Maximum

$1,000

(Plan Pays)

**Reimbursement is based on PPO contracted fees for PPO dentists, Dentemax / AlwayAssist® contracted fees for Premier dentists and the program allowance for non-Unum dentists. Amware Benefit Guide | 16

VISION Unum Vision Care, offers easy access to thousands of conveniently located vision care providers. Unlike other programs that may restrict provider options, Unum’s First Look Plan offers a nationwide network of convenient, accessible options for eye care including optometrists, ophthalmologists, opticians and many leading optical retailers. • • • •

Access to more than 71,200 vision care providers at 27,000 convenient locations nationwide Evening and weekend hours at many locations Choice of thousands of fashionable, designer frames No appointment necessary, and service in “about an hour” in most locations

UNUM “First Look” Vision Network Services

In Network

Out Of Network

Routine Exam with Dilation

$10 Copay

$35 allowance

Standard Contact Lens fit and follow-up

$0 Copay

N/A

Premium* Contact Lens fit and follow-up

$0 Copay

N/A

$130 frame allowance

$50 allowance

Single

$20 Copay

$25 allowance

Bifocal

$20 Copay

$40 allowance

Trifocal

$20 Copay

$50 allowance

UV Coating

$15 allowance

N/A

Tint (Solid and Gradient)

$15 allowance

N/A

Standard Scratch Resistant Coating

$15 allowance

N/A

Standard Polycarbonate

$40 allowance

N/A

Standard Anti-Reflective Coating

$45 allowance

N/A

$110 Copay

N/A

20% off retail

N/A

$130 allowance 15% off balance over allowance

$100 allowance

$105 allowance

$100 allowance

$0 Copay, Paid in full

$210 allowance

Eye Exam:

Frames: Any available frame at provider location

Standard Plastic Lenses:

Lens Options:

Standard Progressive (Add-on to Bifocal) Other Add-Ons and Services

Contact Lenses: (Material Only) Conventional Disposable Medically Necessary

Frequency: Examination

12 months

Frames

24 months

Contact or Eyeglass Lenses

12 months

LIFE INSURANCE Company Paid Life Insurance

All full-time employees are provided with $25,000 of life insurance through Unum at not cost to you. We also provide $25,000 of Accidental Death and Dismemberment insurance (AD&D) at no cost to you through Unum. Please be sure to keep your beneficiaries updated.

Supplemental Life / AD&D Insurance (Employee Paid)

Supplemental Life Insurance and Accidental Death and Dismemberment (AD&D) are intended to provide additional protection to full-time employees. AD&D provides additional protection in the event of accidental death. It also covers loss of limb or eye due to accident. Those interested can elect the amount that suits their needs at an affordable rate. Employee: You may elect from the lesser of up to 5 times your annual earnings in $10,000 increments or a maximum of $500,000. The Supplemental Life guaranteed issue amount is $120,000 but is only available when you are first eligible to enroll. Spouse: Increments of $10,000 to the lesser of $250,000 or 50% of the employee’s supplemental life amount. The guaranteed issue amount is $25,000 when first eligible. Child: Increments of $2,000 to a maximum of $10,000. Post-Initial Offering Questionnaire If you do not enroll in supplemental employee or spouse life when you are first eligible (within 30 days of your eligibility), there is no guaranteed issue amount and any amounts requested are subject to Evidence of Insurability (EOI). Portability Provision If an insured employee's employment terminates for reasons other than sickness or injury, retirement, or plan termination, the employee may elect to continue employee and spouse coverage (not applicable to coverage for dependent children). The amount that may be continued is the amount in effect on the date Voluntary Group Term Life Insurance terminates, or a lesser amount in $25,000 increments ($12,500) increments for the spouse, not to exceed 50% of the employee amount). Spouse insurance may not be continued if the employee does not elect to continue employee insurance. Premiums are due no later than 31 days after the date the insurance would otherwise terminate and are at the same rate applicable under the employer policy. This coverage will end if the employer's Master Policy terminates. Conversion Privilege An employee or eligible spouse or dependent child may convert Life Insurance benefits to an individual policy (other than term) during the 31-day period following the date insurance terminates as a result of termination of employment or service, reduction in benefits due to attainment of a specified age, or policy change affecting an employee's class. The conversion will be offered without evidence of insurability. Required premiums must be received within the 31day period following termination or reduction of benefits.

CHOOSE YOUR BENEFICIARY • Make sure your life and accidental death benefits will be paid as you intend • Be sure you name your beneficiaries • Then, continue to review your beneficiary designations as you experience life changes

Amware Benefit Guide | 18

DISABILITY INSURANCE Short-Term Disability (Employee Paid) Short-Term Disability (STD) through The Hartford, replaces a portion of your salary in the event of maternity, a covered sickness, or accident that occurs off the job. If approved, STD benefits start on the 8th day of disability for accident or sickness. The weekly benefit amount is 60% percentage of your base salary up to $1,000 per week. The benefit will be payable up to 25 weeks. The benefit payments are not taxable because you pay the premium with after-tax dollars.

Long-Term Disability (Employee Paid) Long-Term Disability (LTD), through The Hartford, offers income protection if you become disabled and cannot work for an extended period of time. The LTD benefit begins after the exhaustion of the STD benefit (180 days) and pays 60% of your monthly salary to a maximum of $10,000 per month. Benefits are paid until retirement age as long as you are disabled. The benefit payments are not taxable because you pay the premium with after-tax dollars.

Plan Highlights

Short-Term Disability

Plan Highlights

Long-Term Disability

Waiting Period

8 days

Waiting Period

180 days

Benefit Percentage

60%

Benefit Percentage

60%

Weekly Benefit Maximum

$1,000

Monthly Benefit Maximum

$10,000

Benefit Duration

25 weeks

Benefit Duration

Age 65 or SSNRA

Pre-existing condition limitation The disability policies include a pre-existing condition limitation. The policies will not pay, in the first 12 months of the policy, for a condition that you had within 3 months prior to the effective date. You have a pre-existing condition if: • You received medical treatment, consultation, care or services including diagnostic measures for the condition, or took prescribed drugs or medicines for it in the 3 months just prior to your effective date of coverage: and • The disability begins in the first 12 months after the effective date of coverage. • If you are newly eligible, you are guaranteed coverage. • If you did not enroll in coverage when you were first eligible as a new hire, you’ll be required to answer medical questions. Amware Benefit Guide | 19

FLEXIBLE SPENDING ACCOUNTS Amware offers employees the opportunity to participate in the Healthcare Flexible Spending Account (FSA) and Dependent Care FSA. These programs provide you with significant tax advantages as they allow you to pay for eligible out-of-pocket expenses with pre-tax dollars through payroll deductions. It is very important that you estimate your annual expenses as accurately as possible because the plan only allows for a $550 medical FSA carryover annually. Any funds left in the account above $550 will not rollover to the next calendar year.

Healthcare Flexible Spending Account (HCFSA)

You may defer up to $2,850 to your Healthcare FSA to fund eligible out-of-pocket healthcare expenses. The following list provides examples of expenses eligible for reimbursement under the IRS guidelines:

• • • • • •

Non-covered medical expenses that quality under Section 217 of the IRS code Deductibles Office visit copays Prescription medication Over-the-counter medications (require physician prescription) Hearing and dental expenses not covered by insurance

Examples of non-eligible expenses include: cosmetic surgery, electrolysis, toiletries, vitamins, health club dues.

Dependent Care Flexible Spending Account (DCFSA)

You may defer up to $5,000 to your Dependent Care FSA to fund eligible out-of-pocket expenses for childcare and eldercare. If you are married and filing separately, you may only contribute up to $2,500. To be eligible for reimbursement, expenses must meet the following criteria established by the IRS: ▪ ▪ ▪ ▪ ▪

The person cared for must be under age 13, or if older, physically or mentally incapable of self-care. Day care must be necessary in order for you and your spouse to work. The person cared for must be claimed as a dependent on your federal tax return and must reside in your home at least eight hours per day. Payment for care cannot be made to anyone you claim as a dependent on your income tax return, to your spouse or to a child under age 19. If care is provided by a center that cares for more than six individuals, it must be licensed.

For a complete list of eligible medical and dependent care expenses, you may access publications #502 (healthcare) and #503 (dependent care) on the web at www.irs.gov. Amware Benefit Guide | 20

401(K) Savings for retirement can seem overwhelming. Looking out, a retirement date seems so far into the future and something we can think about at a later time. But in reality, retirement is sometimes closer than you think. Will you be ready? One way to start saving for retirement is with the company’s 401(k) Plan.

Enrollment Associates who are age 18 or older, are eligible to enroll the first of the month following 30 days of service. See the Summary Plan Description for complete details.

Contributions An associate can make contributions on a pre-tax basis as a Traditional 401(k) deferral or an aftertax basis as a Roth 401(k) deferral. All contributions and rollovers are 100% vested.

Company Match Additionally, the company matches 25% up to 4% of your contributions. For more information, visit https://mykplan.adp.com/

Amware Benefit Guide | 21

Available for anyone on Long-Term Disability Insurance

Employee Assistance Program (EAP)

EMPLOYEE PAYROLL DEDUCTIONS Bi-Weekly Payroll Deductions (26 per year) Plan

EE Only

EE Only (Wellness)

EE + SP

EE+SP (Wellness)

EE + CH

EE + CH (Wellness)

EE + FAM

EE + FAM (Wellness)

Medical – Navigate Plan

$38.81

$20.35

$159.10

$140.64

$127.41

$108.95

$248.36

$229.90

Medical – Base Plan

$67.26

$48.80

$206.83

$188.37

$165.64

$147.18

$322.86

$304.40

Medical – Buy-Up Plan

$71.97

$53.51

$221.31

$202.85

$177.23

$158.77

$345.46

$327.00

Dental

$14.08

$34.92

$33.53

$48.20

Vision

$2.95

$5.60

$5.89

$8.66

Supplemental Life & AD&D

See ADP

Long-Term Disability

See ADP

Short-Term Disability

See ADP

Accident

See ADP

Critical Illness

See ADP

Hospital

See ADP

EE: Employee Only EE + SP: Employee and Spouse EE + CH: Employee and Child or Children EE + FAM: Employee, Spouse and Child or Children

Amware Benefit Guide | 24

KEY CONTACTS & RESOURCES

Questions on your benefits or need assistance with Claims, contact

CHARLOTTE CONNER

ASSOCIATE ACCOUNT MANAGER

Your Employee Support Contact

404-832-8642 cconner@pjins.com NEED HELP WITH A CLAIM BE SURE TO HAVE THE FOLLOWING INFORMATION WHEN CALLING: Subscriber ID # Date of Service Name of Patient Name of Doctor, Facility or Hospital Copy of Bill or Explanation of Benefits (EOB)

Benefit

Company

Phone

Website

Medical Coverage

Maestro Health

800-403-4098

www.mybenefits.maestrohealth. com

Pharmacy Coverage

Southern Scripts

800-710-9341

www.southernscripts.net

Specialty Drug Program

Payer Matrix

877-305-6202

www.payermatrix.com

Wellness

HealthCheck360

866-511-0360

www.myhealthcheck360.com

Dental

Unum

866-679-3054

www.unumdentalcare.com

Vision

Unum

866-679-3054

www.unumvisioncare.com

Life/AD&D

Unum

866-679-3054

www.unum.com

Disability (Short & Long Term)

The Hartford

1-888-301-5615

www.thehartford.com

Accident, Critical Illness and Hospital

Unum

866-679-3054

www.unum.com

401(k)

ADP Retirement Services

1-800-695-7526

https://mykplan.adp.com

Benefits Portal Amware HR & Benefits

ADP Amware Fulfillment

www.workforcenow.adp.com 678-377-8585 x2115

lorna.robinson@amwarelogistics. com

Amware Benefit Guide | 25

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