Benefit Guide - People

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YOUR BENEFITS. YOUR CHOICES. YOUR HEALTH.

20 24

WELCOME

Welcome to Hunter Strategy ’ s 2024 Benefits Open Enrollment:

TABLE OF CONTENTS

Your dedication and hard work are the pillars of Hunter Strategy's achievements. In recognition of your significant contributions, we are pleased to unveil our employee benefits plan for the year, effective January 1, 2024, through December 31, 2024. This guide is designed to give you a comprehensive overview of the competitive benefits that are available to you as a valued member of the Hunter Strategy team. We encourage you to read this guide thoroughly to make the best choices for yourself and your family. At Hunter Strategy , we are committed to providing our employees with a well - rounded benefits program. UNDERSTANDING OPEN ENROLLMENT Open Enrollment is your yearly chance to review and adjust your plan options, effective from January 1, 2024. Please be aware that changes after this period are limited to instances of qualifying life events (such as marriage, birth, adoption, divorce, death, etc.). In such cases, it's important to notify the Human Resources Department within 30 days of the event. All Election choices will be made on our new Rippling HRIS System . Please review the Open Enrollment Kickoff email sent on Wednesday December 13 th to register and make your election choices. INFORMATION FOR NEW HIRES For those newly joining our team, your enrollment will commence on the first of the month following your employment or will coincide with your first day if hired on the first of the month. We are delighted to have you with us and aim to ensure that your time at Hunter Strategy is both challenging and rewarding.

BenefitsVIP ®

Medical Terminology 4

Medical Benefits

Medical Benefit Information How to Locate A Medical Provider

Virtual Care

Health Savings Account Information

8 - 9

10 - 13

Cigna Extras

14 - 15

Dental Benefits

16 - 17

Vision Benefits

Flexible Spending Accounts Qualified Transportation Program

Life and AD&D Benefits

Should you require more information or wish to view detailed plan documents, please contact Kirsten Baker in the Human Resources Department.

Disability Benefits

Employee Assistance Program

22 - 23

Annual Notices

ADVOCACY

HELP STARTS HERE BenefitsVIP is a powerful, one - stop contact center staffed by seasoned professionals. Your dedicated team of employee benefits advocates is ready to help you and your family members resolve your benefits issues.

BENEFITSVIP.COM Request member assistance and order ID cards with a click.

For service that ’ s confidential and responsive, contact:

COMING SOON Monday - Friday 8:30am - 8:00pm (ET) Fax: PENDING @benefitsvip.com

QUESTIONS ANSWERED HERE COMPLETELY CONFIDENTIAL! Your dedicated BenefitsVIP advocates understand your benefit plans and are able to answer benefit questions and quickly resolve claims and eligibility issues. A majority of inquiries are resolved the same day and all calls adhere to privacy best practices.

HEALTHDISCOVERY.ORG Get vital, useful and fun health insurance and wellness facts.

BenefitsVIP.com

MEDICAL TERMINOLOGY

Calendar Year Maximum Total dollar amount a plan pays during a calendar year toward the covered expenses of each person enrolled. Claim A request for payment that you or your health care provider submits to your health insurer when you get items or services you think are covered. Coinsurance The percentage of costs of a covered health care service you pay (30%, for example) after you've paid your A predetermined (flat) fee an individual pays for health care services, in addition to what the insurance covers. Deductible The amount you pay for covered health care services before your insurance plan starts to pay. Check your carrier certificates to confirm how your plan satisfies the family deductible. Generic Drugs These drugs are usually most cost effective. Generic drugs are chemically identical to their brand name counterparts. Purchasing generic drugs allows you to pay a lower out - of - pocket cost. In - Network A doctor or facility providing your care has a negotiated a contract rate with your health insurance company. You may not be balanced billed for amounts over the coinsurance. deductible. Copayment

Network A group of healthcare providers, including dentist, physicians, hospitals, and other healthcare providers, that agrees to accept pre determined rates when serving members. recommended formulary list. These drugs are usually more expensive than drugs found on the formulary. You still may purchase these, but at a higher out - of - pocket cost Out - of - Network A doctor or facility providing your care does not have a contract with your health insurance company. You may be balanced billed for amounts over the coinsurance. Out - of - Pocket Maximum/Limit The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. Non - covered services or amounts over the U&C are not applied to your out - of - pocket maximum. Preferred Brand Drugs The brand is formulary approved, recommended list of brand name medications. Drugs on this list are available to you at a lower cost than drugs that do not appear on the list. Primary Care Physician (PCP) A physician who directly provides or coordinates a range of health care services for a patient. Non– Preferred Brand Drugs These drugs are not on the

Provider Any type of healthcare professional or facility that provides care under your plan. Specialist A physician specialist focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent or treat certain types of symptoms and conditions. A non - physician specialist is a provider who has more training in a specific area of health care. Specialty Drugs Prescription medications that require special handling, administration, or monitoring. These drugs may be used to treat complex, chronic, and often An occurrence that qualifies the subscriber to make an insurance coverage change outside of open enrollment Usual and Customary Allowance Usual and customary allowance is the amount of money that a particular acceptable range of payment for a specific health - related service or medical procedure. Virtual Visits A consultation between you and a provider who is performing a clinical medical or behavioral health service by two - way audiovisual or telephone calls. costly conditions. Qualifying Event health insurance company determines if the normal or

MEDICAL BENEFITS

BENEFIT

IN-NETWORK

OUT-OF-NETWORK

IN-NETWORK

OUT-OF-NETWORK

IN-NETWORK

OUT-OF-NETWORK

Annual Deductible (Calendar Year)

Individual : $3,000 Family: $6,000

Individual: $6,000 Family: $12,000

Individual: $1,600 Family: $3,200

Individual: $3,200 Family: $6,400

Individual: $1,000 Family: $2,000

Individual: $2,000 Family: $4,000

Coinsurance

Cigna 70%/EE 30%

Cigna 50%/EE 50%

Cigna 100%/EE 0%

Cigna 80%/EE 20%

Cigna 100%/EE 0%

Cigna 80%/EE 20%

Out-of-Pocket Maximum

Individual: $6,000 Family: $12,000

Individual: $12,000 Family: $24,000

Individual: $7,500 Family: $15,000

Individual: $14,000 Family: $28,000

Individual: $7,300 Family: $14,600

Individual: $14,600 Family: $29,200

Adult Preventive Care Adult Annual Physical Exam Well-Child Care

100% deductible waived 100% deductible waived 100% deductible waived

50% after deductible 50% after deductible 50% after deductible

100% deductible waived 100% deductible waived 100% deductible waived

80% after deductible 80% after deductible 80% after deductible

100% deductible waived 100% deductible waived 100% deductible waived

80% after deductible 80% after deductible 80% after deductible

Doctor’s Office Visits Primary Care Physician Specialist Outpatient Laboratory & X-ray Complex Imaging (CT, PET Scans, MRI)

$25 copay after deductible $50 copay after deductible

50% after deductible 50% after deductible 50% after deductible 50% after deductible

$25 copay after deductible $50 copay after deductible 100% after deductible Facility: $500 copay Office visit: $250 copay

80% after deductible 80% after deductible 80% after deductible 80% after deductible

$15 copay $30 copay 100% after deductible Facility: $400 copay Office visit: $200 copay

80% after deductible 80% after deductible 80% after deductible 80% after deductible 80% after deductible

70% after deductible 70% after deductible

Outpatient Surgery

70% after deductible

50% after deductible

100% after deductible

80% after deductible

$200 copay

$300 copay then 80%

Emergency Care Ambulance Emergency Room

70% after deductible 70% after deductible

100% after deductible $350 copay after deductible

100% $250 copay

Urgent Care

70% after deductible

50% after deductible

$100 copay after deductible

80% after deductible

$50 copay

80% after deductible

Inpatient Hospital Care

70% after deductible

50% after deductible

100% after deductible

80% after deductible

$400 copay

$500 copay then 80%

Maternity Care Prenatal and Post-natal care Hospital services for mother & child

100% after deductible 70% after deductible

50% after deductible 50% after deductible

100% after deductible 100% after deductible

80% after deductible 80% after deductible

100% deductible waived $400 copay

80% after deductible 80% after deductible

PRESCRIPTION DRUG COVERAGE

Drug Deductible

Plan Deductible Applies Individual: $3,000 Family: $6,000

Plan Deductible Applies Individual: $6,000 Family: $12,000

Plan Deductible Applies Individual: $1,600 Family: $3,200

Plan Deductible Applies Individual: $3,200 Family: $6,400

Waived for Generic Individual: $250 Family: $500

Retail (30 day supply) Tier 1 Tier 2 Tier 3

$10 copay $45 copay $65 copay

80% after deductible 80% after deductible 80% after deductible

$15 copay $45 copay $65 copay

80% after deductible 80% after deductible 80% after deductible

$10 copay $45 copay $65 copay

80% after deductible 80% after deductible 80% after deductible

Mail Order (90 day supply) Tier 1 Tier 2 Tier 3

$20 copay $90 copay $130 copay

$30 copay $90 copay $130 copay

80% after deductible 80% after deductible 80% after deductible

$20 copay $90 copay $130 copay

80% after deductible 80% after deductible 80% after deductible

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

MEDICAL BENEFITS INFORMATION

MEDICAL PLAN INFORMATION Hunter Strategy will continue to offer a choice of three medical plans through Cigna. This allows us to implement coverage that maximizes benefit and lowers the cost to both the company and its employees. Visit Cigna.com to access important information related to your health plan:

• View claims status • View deductible and out - of - pocket maximums • Obtain your ID card

• Find a doctor • Access other important benefits information

HSA OPEN ACCESS PLUS BASE and BUY - UP: - IN - NETWORK & OUT - OF - NETWORK BENEFITS A Health Savings Plan (HSA) is a savings account designed to help you pay for health care expenses with some significant tax savings. Under this plan, you have coverage both In - Network and Out - of - Network. OPEN ACCESS PLUS HIGH PLAN (OAP) - IN - NETWORK & OUT - OF - NETWORK BENEFITS Under this plan, you have coverage both In - Network and Out - of - Network. You can see any doctor you choose, you do not have to select a primary care physician (PCP), and you do not need referrals to access specialists. Utilizing In - Network providers saves money. Your out - of - pocket costs are lower because you are only responsible for set copays. If you go Out - of - Network, you will pay a greater share of the cost. The plan is subject to deductibles and coinsurance, and is subject to reasonable and customary (R&C) limits. The HSA works with a High Deductible Health Plan (HDHP). You can use your HSA to pay for eligible health care expenses until you reach your deductible. It helps you save on health care and save for retirement. Every dollar you put into an HSA is pre - tax (you pay no taxes on it). You don't pay any taxes when you take money out either, as long as you use it for eligible health - related expenses. You can use your HSA for eligible health care expenses until you reach your plan's deductible amount. After that, you can use your HSA for coinsurance or copays until you reach your maximum annual Out - of - Pocket limit. You own your HSA Account; therefore , if your employment with Ruder Finn ends, any balance of funds in your account is yours to take with you.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

HOW TO FIND A MEDICAL PROVIDER & VIRTUAL CARE

Is your doctor or hospital in your plan ’ s Cigna network? Cigna ’ s online directory makes it easy to find who (or what) you ’ re looking for. Step 1 Go to Cigna.com , and click on “ Find a Doctor ” at the top of the screen. Then, under “ How are you Covered? ” select “ Employer or School. ” (If you ’ re already a Cigna customer, log in to myCigna.com or the myCigna ® app to search your current plan ’ s network. To search other networks, use the Cigna.com directory.) Step 2 Change the geographic location to the city/state or zip code you want to search. Select the search type and enter a name, specialty or other search term. Click on one of our suggestions or the magnifying glass icon to see your results. Step 3 Answer any clarifying questions, and then verify where you live (as that will determine the networks available). Step 4 Optional: Select one of the plans offered by your employer during open enrollment.

VIRTUAL CARE—Life is Demanding. It ’ s hard to find time to take care of yourself and your family members as it is, never mind when one of you isn ’ t feeling well. That ’ s why your health plan through Cigna includes access to medical and behavioral/ mental health virtual care. Whether it ’ s late at night and your doctor or therapist isn ’ t available, or you just don ’ t have the time or energy to leave the house, you can: • Access care from anywhere via video or phone. • Get medical virtual care 24/7/365 – even on weekends and holidays. • Schedule a behavioral/mental health virtual care appointment online in minutes. • Connect with quality board - certified doctors and pediatricians, as well as licensed counselors and psychiatrists. • Have a prescription sent directly to your local pharmacy, if appropriate. Board - certified doctors and pediatricians can diagnose, treat and prescribe most medications for minor medical conditions, such as:

• Acne • Allergies • Asthma • Bronchitis

• Fever • Headache • Infections • Insect bites • Joint aches

• Respiratory infections • Shingles

• Sinus infections • Skin infections • Sore throats • Urinary tract infections

• Cold and flu • Constipation

That ’ s it! You can also refine your search results by distance, years in practice, specialty, languages spoken and more.

• Nausea • Pink eye • Rashes

• Diarrhea • Earaches

There are so many things to love about Cigna. Our directory search is just the beginning. After you enroll, you ’ ll have access to myCigna.com – your one stop source for managing your health plan, anytime, just about anyplace. On myCigna.com , you can estimate your health care costs, manage and track claims, learn how to live a healthier life and more.

Behavioral/Mental Health Virtual Care Licensed counselors and psychiatrists can diagnose, treat and prescribe most medications for nonemergency behavioral/ mental health conditions, such as:

depression • Relationship and marriage issues • Stress • Trauma/PTSD • Women ’ s issues

• Addictions • Bipolar disorders • Child/adolescent issues • Depression • Eating disorders

• Grief/loss • Life changes • Men ’ s issues

Questions? Call the number on the back of your ID card.

• Panic disorders • Parenting issues • Postpartum

MDLIVE Medical and behavioral/mental health virtual care call 888.726.3171 Cigna Behavioral Health also provides access to video - based counseling through Cigna ’ s network of providers. To find a provider: • Visit myCigna.com , go to “ Find Care & Costs ” and enter “ Virtual counselor ” under “ Doctor by Type ”. • Call the number on the back of your Cigna ID card 24/7.

HEALTH SAVINGS ACCOUNT INFORMATION

WHAT IS A HEALTH SAVINGS ACCOUNT (HSA) AND HOW DOES IT BENEFIT ME? An HSA is a tax - free account you can use to pay for current and future medical expenses. You can choose to contribute to your HSA, much like you would to a

DO I LOSE MONEY IF I HAVE SOME LEFT AT THE END OF THE PLAN YEAR? No. Unlike a flexible spending account (FSA), the balance in an HSA rolls over year to year. HOW DO I WITHDRAW MONEY FROM MY HSA? HSA contributions are available for withdrawal once the funds are deposited, and you can access them through your debit card. You can also order checks to pay for services or to reimburse yourself or use the online bill pay feature of your regular checking or savings account to transfer money from your HSA. WHAT ARE SOME EXPENSES I WOULD USE MY HSA FOR? Your HSA is for qualified medical expenses as defined by the IRS Publication 502, Medical and Dental Expenses. These expenses include, but are not limited to, your medical plan deductible and coinsurance (doctor visits, lab work, x - rays, surgical procedures, prescription drugs, etc.), dental treatment, vision hardware, and more. For more information, visit www.irs.gov . The penalty for nonqualified withdrawals from an HSA is 20%. IS THERE AN ANNUAL MAXIMUM I CAN CONTRIBUTE TO AN HSA? Yes. The IRS maximum HSA annual funding amounts for 2024 are $4,150 if you are enrolled with single coverage and $8,300 if you are enrolled with any type of family coverage. This maximum is inclusive of all funds - from you and your employer. Once you reach the age of 55, you may contribute an additional $1,000 per year to your HSA. If you are newly electing, we recommend prorating your 2024 contribution to half of the maximum since you will be enrolled six months this calendar year. The HSA Base and Buy - Up plan is a High Deductible Health Plan (HDHP) that is partnered with an HSA. Your HSA dollars are to be used for qualified medical expenses, and can help offset your deductible and coinsurance in your new High Deductible Health Plan (HDHP). You are responsible to pay for all medical and prescription expenses until you satisfy your deductible. This means that you will be responsible In - Network for the Cigna negotiated rate rather than your traditional copay. Once you reach your deductible, your In - Network medical services are then either covered 90% or with a copay. Your out - of - pocket maximum is a limit on your behalf – once you reach this, you will be covered 100% for all In - Network medical services and prescriptions on this plan. Note: Eligible preventive care is still covered at 100%, deductible waived. This means that you can still receive your routine physical, well woman exam, and other eligible preventive services at no cost to you.

Flexible Spending account, but with added benefits: 1. The unused balance rolls over year after year

2. The account is yours forever, even if you change jobs, medical plans or retire 3. The money is contributed tax - free, grows tax - free, and can be withdrawn * tax - free * If you are providing coverage for an adult child under the age of 27, while coverage and benefits provided for a non - dependent child through an HDHP maybe tax - free, withdrawals from an employee ’ s HSA are NOT tax - free if used to pay a non - dependent child ’ s medical expenses. Withdrawals from an employee ’ s HSA will be tax - free only if used to pay the medical expenses of the employee, his or her spouse, and his or her tax dependents. The penalty for non - qualified withdrawals from an HSA is 20%. You never pay taxes on the money you put into an HSA, when it ’ s used for eligible medical expenses, which means you save 25 – 40% for every dollar you contribute, depending on your tax bracket and filing status. The 2024 IRS maximum contribution (inclusive of all funds) is $4,150 if enrolled in the HDHP as an Individual and $8,300 if enrolled as Family coverage. WHO IS ELIGIBLE FOR AN HSA? You must be covered by a qualified High Deductible Health Plan (HDHP) like Hunter Strategy ’ s HSA Plans. You cannot have other health insurance coverage (including a spouse ’ s plan) that is NOT a qualified HDHP, you cannot be claimed as a dependent on someone else ’ s tax return, and you cannot be enrolled in Medicare. CAN I OPEN UP AN HSA IF I AM CURRENTLY ENROLLED WITH A FLEXIBLE SPENDING ACCOUNT (FSA)? No. You can only open an HSA effective January 1, 2024 if you are not currently enrolled in the healthcare FSA. If there is a balance in your FSA as of January 1, 2024, you must wait until April 1, 2024 to open the HSA (after the FSA grace period). WHO CAN CONTRIBUTE TO AN HSA? You, your employer, or even a family member can make contributions. You can contribute through pre - tax payroll deductions with Hunter Strategy . WHO OWNS THE HSA? You! The account is yours - even if you change jobs, change medical plans, or retire.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

HEALTH SAVINGS ACCOUNT INFORMATION

HOW CAN YOU BENEFIT FROM TAX SAVINGS? An HSA provides triple tax savings. Here ’ s how: • Contributions to your HSA can be made with pre - tax dollars and any after - tax contributions that you make to your HSA are tax deductible • HSA funds earn interest and investment earnings are tax free • When used for IRS - qualified medical expenses, distributions are free from tax IRS - QUALIFIED MEDICAL EXPENSES You can use your HSA to pay for a wide range of IRS - qualified medical expenses for yourself, your spouse, or tax dependents. An IRS - qualified medical expense is defined as an expense that pays for healthcare services, equipment, or medications. Funds used to pay for IRS - qualified medical expenses are always tax - free. HSA funds can be used to reimburse yourself for past medical expenses if the expense was incurred after your HSA was established. While you d not need to submit any receipts to BRI, you must save your bills and receipts for tax purposes. Example of IRS - Qualified Medical Expenses

• Acupuncture • Alcoholism treatment • Ambulance

• Disabled dependent care expenses • Drug addiction treatment • Eye exam and glasses • Eye surgery • Fertility enhancement (in vitro fertilization or surgery) • Guide dog or other service animal • Gynecologist • Health institute fees (if treatment is prescribed by a physician) • Hearing aids and batteries • Certain health insurance premiums (not premiums for employer sponsored plans, but certain other medical premiums) • Intellectually or developmentally disabled care, treatment or special home • Laboratory fees • Lactation expenses • Lead - based paint removal (if a child in the home has lead poisoning) • Learning disability care or treatment • Legal fees associated with medical treatment

• Lifetime care, advance payments or "founder's fee ” • Lodging at a hospital or similar institution • Long - term care • Medical conference expenses, if it concerns a chronic illness of yourself, spouse or dependent

• Special education • Sterilization • Stop - smoking programs • Surgery • Special education tutoring • Special telephone for hearing or visual impaired individuals • Television for hearing or visual impaired individuals • Therapy received as medical treatment • Transplants • Transportation for medical care • Tuition for special education • Vaccines • Vasectomy • Vision correction surgery • Weight - loss program if it is a treatment for a specific disease • Wheelchair • Wig • X - ray

• Annual physical examination • Artificial limb or prosthesis • Artificial teeth • Bandages • Birth control pills (by prescription) • Body scan • Braille books and magazines • Breast pumps and supplies • Breast reconstruction surgery • Capital expenses (improvements or special equipment installed in a home for a disabled condition) • Car modifications or special equipment installed for a person with a disability • Chiropractic visits • Christian Science treatment • Contact lenses • Crutches • Dental treatment (not including teeth whitening) • Diagnostic devices

• Medical information plan • Medications, if prescribed • Nursing home fees • Nursing services

• Obstetrician • Operations

• Osteopathic care • Optometrist visits • Oxygen • Physical examination • Podiatrist • Pregnancy test kit • Prosthesis • Psychiatric care • Psychoanalysis • Psychologist visits

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

CIGNA EXTRAS

KNOW BEFORE YOU GO! Understanding the difference between routine, urgent and emergency care can help you save money .

PRIMARY CARE DOCTOR • General health issues • Preventive Services • Routine Checkups •

URGENT CARE FACILITY •

EMERGENCY ROOM •

Non - Emergency Care such as minor cuts, burns, fever, flu symptoms, pink eye etc.

Uncontrolled bleeding, seizures or loss of consciousness, shortness of breath, chest pain, head injury or major trauma

Immunizations and Screenings Costs may include copay or deductible

Costs are lower than Emergency Room

•

No appointments necessary Wait time are much shorter

Costs will be higher

• •

• • •

Appointments needed

No appo8intment required

• •

Typically has little wait time

Longer wait time

HELP WITH YOUR MEDICATIONS Talk with a pharmacist from the privacy and comfort of your own home. As part of your pharmacy plan, you can talk with a licenses, specially trained pharmacist from Express Scripts. They ’ ll help you stay on track with your medication routine. • Find ways to save on your medication • Better understand how your medication works and how it helps keep you healthy • Learn how to work through side effects • Get tips to help you remember to take your medication • See how you can make refills easier USE THE MYCIGNA APP OR WEBSIDE— 24/7 Manage all your prescriptions on the My Medications page. • See which medications your plan covers • Price a medication • Search for lower - cost alternatives, if available • View all the prescriptions you ’ ve filled in the last 18 months • Find an In - Network pharmacy • Switch a prescription from a retail pharmacy to our home delivery pharmacy

HELP WITH SPECIALTY MEDICATIONS Accredo, your specialty pharmacy, is focused on supporting complex medical conditions. • Easily order, manage and track your medications on your phone or online. • Fast shipping, at no extra cost. • Easy refills and fee reminders to help make sure you don ’ t miss a dose. Refill certain prescriptions by text • 24/7 access to specialty - trained pharmacists and nursers experienced in complex medical conditions • Personalized care services including counseling and training on how to administer your medication • Help with applying for third - party copay assistance programs and other options

For Home delivery prescriptions: • Refill and track your orders • Pay your bill online • Sign up for automatic refills • Request a payment plan • For specialty medications, connect to your Accredo account

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

CIGNA EXTRAS

RECOVERYONE - GET BACK OUT THERE You have access to RecoveryOne for Cigna, an online physical therapy program that ’ s included in your health plan benefits. There ’ s no added cost to you or your covered dependents (ages 18+) to use it. With RecoveryOne for Cigna you get: • Online PT you can do when you want, from the comfort and safety of home • Customized recovery plans to meet your needs • A multimedia app that guides you through your exercises • Video, voice, and chat conversations with your support team • Weekly check - ins with a certified health coach to help keep you on track GINGER FOR CIGNA Easy access to care—no matter where you are, when you need it, or what you ’ re going through. Visit ginger.com/ cigna to learn more. Incredible mental health care for everyone. • Real - time behavioral health coaching within 60 seconds • Video therapy and psychiatry appointments within hours • Personalized, clinically - validated skill - building activities CIGNA BEHAVIORAL HEALTH NOW FEATURING ….. TALKSPACE How it works Within days of completing registration, you can begin to exchange unlimited asynchronous messages (text, voice and video) with your dedicated therapist. Live sessions can also be schedules, depending on your plan. Therapists are encouraged to engage daily, five days per week, which often includes weekends.

You will continue to work with the same therapist throughout your journey. However, you ’ re always welcome to switch providers so you can find the perfect fit. Talkspace ’ s clinical network features thousands of licensed, insured and verified clinical professionals with specialties ranging from behavioral to emotional wellness needs, including stress, anxiety and depression to name a few. CIGNA HEALTHY REWARDS PROGRAM Start saving today with Cigna Healthy Rewards Just use your Cigna ID wallet card when you pay and let the savings begin. Get discounts on the health products and programs you use every day for: • Nutritional Meal Delivery Service Fitness • Memberships and Devices Vision Care • Lasik Surgery, Hearing Aids Alternative medicine • Yoga Products and Virtual Workouts

Real brands. Real Discounts. Real Easy

Log into mycigna.com and navigate to Health Rewards Discounts Program or call 800.810.3470

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

HEALTHY DISCOUNTS

Enrolled? Get started at www.ActiveandFitDirect.com . 1. Go to “ Resource Library ” and select “ On - Demand Workouts. ” 2. View videos in each category or use the search tool to find the workout you want. Not enrolled? With the Active&Fit Direct program, you ’ ll have access to: • 800+ on - demand workout videos accessible at home or on - the - go • Choice of 10,000+ fitness centers nationally • Flexibility to change fitness centers with no long - term contract • Activity tracking with 250+ wearable fitness devices, apps, and exercise equipment As a Cigna customer, through the Cigna Healthy Rewards® program, you have access to the Active&Fit Direct ™ program, which allows you to choose from 10,000+ participating fitness centers nationwide for $25 a month (plus a $25 enrollment fee and applicable taxes). The program offers: • An online map and searchable directory for locations in your area • A free guest pass to try out a fitness center before enrolling (where available) • The option to switch locations to make sure you find the right fit • An online, educational resource library BREAK A SWEAT Without Breaking the Bank ™

FITNESS ON DEMAND NEW from the Active&Fit Direct ™ program!

Your Active&Fit Direct membership goes beyond the gym with the addition of 800+ on - demand workout videos at no additional cost. Now you can exercise from anywhere! Choose from categories including Cardio, Strength, Dance, Martial Arts, Mind/Body, High - Intensity Interval Training, and Cycling. Find classes for your specific fitness level at varying lengths, whether you ’ re just getting started or a workout guru. Videos feature workouts by top fitness brands and names like Jillian Michaels, Strong by Zumba®, FitSteps ™, Latinva®, and YogaFit®.

Log in to myCigna.com > Discount Program – Healthy Rewards > Fitness & Mind/Body > Fitness Club and Equipment discounts > Learn More

More value. More flexibility. Questions about the Active&Fit Direct program? Visit www.ActiveandFitDirect.com/FAQ .

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

HEALTHY DISCOUNTS

TIPS TO HELP YOU SAVE MONEY Prescription drugs • Find the complete list of covered medications on myCigna.com • Generics offer the best value • Know what brand - name drugs are covered in your plan • Consider a 90 - day supply of prescription drugs you take on a regular basis so you're less likely to miss a dose Know where to go for care • Use an emergency room for true emergencies • Don ’ t wait: Locate an In - Network convenience care clinic or urgent care center near you, before you need it • Don't be fooled: Some emergency rooms look like urgent care centers, so know what type of facilities are in your area Health care provider choice • Know which providers are in your network. Go to myCigna.com > Find Care & Costs • You can also connect with a board - certified doctor via video chat or phone, 24/7/365 • Use In - Network national labs to help save money Be proactive in your health • Use the health improvement tools available to you • Get information on the cost of medications and treatments to avoid surprises • Use your preventive care benefits, learn your core health numbers and get more information at Cigna.com/TakeControl

• • • • • •

Find your way to better health. Get more information on all the programs that are available to you. Visit myCigna.com . Call the 24/7 customer service number on the back of your ID card.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

DENTAL BENEFITS INFORMATION

Hunter Strategy offers two Dental PPO Plans. Each plan offers you the flexibility to visit any dentist, but you ’ ll save money when you visit a dentist in your plan network. After you meet the annual deductible, the plan pays a percentage of covered expenses until you reach the annual maximum benefit limit.

ORAL HEALTH REWARDS PROGRAM Regular visits to the dentist can help prevent and detect the early signs of serious diseases.

Guardian ’ s Maximum Rollover Oral Health Rewards Program encourages and rewards member who visit the dentist, by rolling over part of your unused annual maximum into a Maximum Rollover Account (MRA). This can be used in future years if your plan ’ s annual maximum is reached. HOW MAXIMUM ROLLOVER WORKS Depending on your plan ’ s annual maximum, if claims made for a certain year don ’ t reach a specified threshold, then the set maximum rollover amount can be rolled over.

You can view your annual MRA Statement detailing your account and those of your dependents on www.GuardianAnytime.com .

HOW TO LOOK UP A NETWORK PROVIDERS ONLINE Guardian ’ s innovative web technology lets you look up a provider right from your computer. Our Find a Provider Search function is simple and easy - to - use. Just follow these steps:

Visit Guardian ’ s web page at www.GuardianAnytime.com • Click on “ Find A Provider ” at the top of the page

• Click on the box that says “ Find a Dentist ” On the next web page, do the following:

• Under “ Select Your Dental Plan ” Choose Managed Dental Care DMO or PPO • Under “ Search by ” click the circle next to “ Location & Dentist ’ s Name ” • Under “ Your Location ”, enter Zip Code or Street Address information • Under “ Distance ” select you mile radius, then “ Select your Dental Network ” Note: You also have the option to include type of Dentist, foreign language spoken, and office status in your search • Click “ Continue ” to view the list of network providers

You can also find a dentist on the go from your smart phone. Simply download our app at www.GuardianAnytime.com/mobile .

Watch our video Learn how dental insurance

can protect your long - term health.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

DENTAL BENEFITS

PPO PLAN BASE

PPO PLAN BUY-UP

BENEFIT

IN-NETWORK ONLY

IN-NETWORK

OUT-OF-NETWORK

Annual Deductible

Individual: $50 Family: $150

Annual Maximum

$1,500

$2,000

Diagnostic/Preventive Services Include Periodic Oral Evaluation Cleaning, Fluoride Treatment & Sealants X-rays Space Maintainers Basic Services Include Fillings Simple Extractions & Oral Surgery (Includes surgical extractions) Periodontics & Endodontics

100% of PPO negotiated contracted fee deductible waived

100% of R&C* charge deductible waived

100% of PPO negotiated contracted fee deductible waived

100% of R&C* charge deductible waived

Cleanings/Exams: Once every 6 months

80% of PPO negotiated contracted fee after deductible

80% of R&C* charge after deductible

Major Services Include Bridges Dentures Implants, Veneers Inlays, Onlays & Crowns

50% of PPO negotiated contracted fee after deductible

50% of R&C* charge after deductible

Orthodontic Service

50% of PPO negotiated contracted fee after deductible Children (to age 19)

50% of R&C* charge after deductible Children (to age 19)

Orthodontic Lifetime Maximum:

$1,500

$2,000

Dependent Cut-off Age

26 Years Old

*Out-of-Network UCR is 90%. Certain services may be covered under the Medical Plan. Contact Member Services for more details.

Allows a portion of unused benefit maximum to carry over to next years benefit maximum amount. To qualify, you must have had a dental service performed and claim submitted within the plan year. You must not exceed the paid claims threshold.

Maximum Rollover

DENTAL PPO BASE PLAN

ANNUAL BENEFIT MAXIMUM

MAXIMUM ROLLOVER AMOUNT

IN-NETWORK ONLY MAXIMUM ROLLOVER AMOUNT

MAXIMUM ROLLOVER ACCOUNT LIMIT

THRESHOLD

$1,500

$700

$350

$500

$1,250

DENTAL PPO BUY-UP PLAN 2

ANNUAL BENEFIT MAXIMUM

MAXIMUM ROLLOVER AMOUNT

IN-NETWORK ONLY MAXIMUM ROLLOVER AMOUNT

MAXIMUM ROLLOVER ACCOUNT LIMIT

THRESHOLD

$2,000

$800

$400

$600

$1,500

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

VISION BENEFITS INFORMATION

SAVE WITH VSP THROUGH GUARDIAN •

Guardian's affiliation with Vision Service Plan (VSP), offers one of the largest vision care network in the industry with over 70,000 provider access points nationwide. It's easy to find a network provider at GuardianAnytime.com • Choice plans offer 20% off any additional pairs of glasses purchased within 12 months of the exam. Members also receive 20% off the amount exceeding the copay and allowance on frames purchased as well as 15% off providers' professional services for prescription contact lenses. These discounts only apply to services from an In - Network provider • With our Choice plans, members will receive significant discounts on lens options, discounts will range from 20 - 25% off the U&C. For example , standard progressive plastic lenses will cost the member $55 and scratch resistant coating will cost $17. Solid tints and dyes are covered in full

HOW TO USE YOUR VISION BENEFITS Please read the directions below to find an In - Network vision provider Step 1: Visit www.GuardianAnytime.com Click on ” Connect With Us ”, at the top of the web page. Step 2: Select “ Find A Provider ” and choose “ Find a Vision Provider ”. Step 3: Select VSP as your vision network. Step 4: You can search by Zip Code, Office or Doctor.

Watch our video How vision insurance can help you see clearly as you get older.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

VISION BENEFITS

Regular eye examinations can not only determine your need for corrective eye wear but also may detect general health problems in their earliest stages. Protection for the eyes should be a major concern to everyone.

VSP CHOICE NETWORKPLAN

BENEFIT

IN-NETWORK

OUT-OF-NETWORK

Eye Exam

$20 copay

Reimbursed up to $50

Prescription Glasses

$20 copay

See below

Frequency Exam Lenses Contact Lenses Frames

Every calendar year Every calendar year Every calendar year Every other calendar year

$150 allowance 80% over $150 allowance

Frames

Reimbursed up to $48

Lenses Single Vision Lenses Bifocal Vision Lenses Trifocal Vision Lenses Lenticular Vision Lenses

Reimbursed up to $48 Reimbursed up to $67 Reimbursed up to $86 Reimbursed up to $126

Included in Prescription Glasses

Contact Lenses Elective

$150 allowance No charge 15% off UCR

Reimbursed up to $120 Reimbursed up to $210 In-Network Only

Medically Necessary Evaluation and Fitting

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

FLEXIBLE SPENDING ACCOUNT

Through a Section 125 Plan, Hunter Strategy offers eligible employees the opportunity to open a Flexible Spending Account(s) (FSAs).

WHAT IS AN FLEXIBLE SPENDING ACCOUNT (FSA)? An FSA is a tax - free account, in your name, that pays or reimburses you for qualified health care or dependent care expenses. Your FSA contributions are made pretax (no employment or federal income taxes are deducted) through payroll deductions. When you receive a distribution from your FSA, the reimbursements are tax - free. Eligible expenses must be incurred from January 1, 2024 through December 31, 2024. Do you want to reduce your out - of - pocket costs and lower your taxable income at the same time? The FSA is a special savings account that enables you to lower the after - tax cost of your out - of - pocket expenditures by setting aside money from your paycheck in one or all three of these accounts, before taxes are calculated. The money can then be used to reimburse yourself for certain eligible expenses. You can set aside any amount up to $3,200 in your Health Care FSA, Limited Purpose FSA and $5,000 in your Dependent Care FSA . Hunter Strategy is offering three different types of Flexible Spending Accounts (FSAs): • Health Care FSA – Can be used to reimburse yourself for medical, dental and vision expenses incurred by you and your dependents. Expenses that are eligible for reimbursement include annual deductibles and co - pays. • Limited Purpose FSA - The maximum annual contribution is $3,200 . A Limited Purpose Flexible Spending Account (LPFSA) allows you to purchase eligible out - of - pocket dental, vision and/or preventive care expenses with pre - tax dollars. You save money because you don ’ t pay taxes on the money you set aside. Must be enrolled for HDHP HSA Plan. • Dependent Care FSA – Can be used to reimburse yourself for child or other dependent care expenses that are necessary for you and your spouse/partner to work. Note: Out - of - pocket health care (medical) expenses are not reimbursable from a Dependent Care FSA, you must open a Health Care FSA for those expenses. Participants in Dependent Care and Health Care FSA must utilize all available funds by March 15th and file all claims for calendar year 2024 by March 31, 2025.

ACCOUNT TYPE

EXAMPLES OF ELIGIBLE EXPENSES

CONTRIBUTION LIMITS*

ACCESS TO FUNDS

PRE TAX BENEFIT

HealthCare FSA

Minimum contribution: $100 per year

Allows immediate access to the entire contribution amount from the 1st day of the benefit year, before all scheduled contributions have been made

Save 20% - 40% on your health care expenses

• Medical Plan Deductibles • Insurance Co-payments • Prescription Drugs • Vision Exams/Eyeglasses/Contacts • Laser Eye Surgery • Acupuncture; chiropractic • Weight Loss Programs • Dental and Orthodontia (Braces) • Birth Control Pills / Devices / Procedures • Dental and orthodontia • Vision Exams/Eyeglasses/Contacts • Laser Eye Surgery • Daycare • Day Camp • Eldercare • Before and After School Care Only Dental and Vision Expenses are eligible for reimbursement

Available only to employees who choose the Open Access Plus Plan.

Maximum contribution: $3,200 per year

Save on purchases not covered by insurance

Reduce your taxable income resulting in more money in your pocket

Limited Purpose FSA

Minimum contribution: $100 per year

Allows immediate access to the entire contribution amount from the 1st day of the benefit year, before all scheduled contributions have been made You will be able to submit claims up to your year-to-date accumulated amount in your account. (You will only be reimbursed based on your accumulated contribution amounts)

Save 20% - 40% on your dental and vision expenses

Available only to employees who choose the HSA Base and HSA Buy-Up Plan

Maximum contribution: $3,200 per year

Reduce your taxable income resulting in more money in your pocket

Dependent Care FSA

Minimum contribution: $100 per year

Save 20% - 40% on your dependent care expenses

Available to all employees who have eligible dependents regardless of your medical plan

Maximum contribution: $5,000 per year ($2,500 if married and file separate tax returns)

Reduce your taxable income resulting in more money in your pocket

Employees may be required to provide substantiation to complete the processing of your claim and are responsible to check their balances.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

QUALIFIED TRANSPORTATION PROGRAM

The Qualified Transportation Expense Program (QTE) is an IRS Qualified Transportation Expense benefit that will allow employees to conveniently set aside pre - tax dollars to pay for eligible commuting expenses. Employees will also be allowed to deduct post - tax dollars for deposit into their QTE account for expenses greater than the pre - tax limits. Benefit Resource Inc. has been selected as the third party administrator for this program. They will issue employees an Benefits Card which will store your payroll deducted funds. The monthly limits for 2024 are $315 for transit and $315 for parking.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

ANCILLARY BENEFITS Life, AD&D and Vol Life, AD&D

Hunters Strategies also provides eligible employees with ancillary benefits at no cost to you! Read the details below to find out more.

BASIC LIFE INSURANCE Basic Life Insurance coverage provides important financial protection in the event of your death. Hunters Strategies provides eligible employees with coverage at no cost to you. All employees working a minimum of 35 hours per week are eligible and the benefit is equal to one year ’ s salary, to a maximum benefit of $100,000. ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE (AD&D) AD&D Insurance coverage provides protection in the event of accidental death, loss of hands, feet and/or vision. Hunters Strategies provides eligible employees with coverage at no cost to you. All employees working a minimum of 35 hours per week are eligible.

BASIC LIFE AND AD&D PLAN BENEFITS

Minimum Hours Per Week

30 hours

Life AD&D Benefit

$50,000

Maximum Benefit

$50,000

Benefit Age Reduction To age 65 At age 70 At age 75 At age 80

35% 60% 75% 85%

VOLUNTARY LIFE AND AD&D FOR EMPLOYEE AND DEPENDENTS You have the option to supplement your employer paid Basic Life and AD&D Insurance through Guardian, with Voluntary Life Insurance. You pay the cost of

the coverage and receive the benefit of a group rate. You may also elect coverage for your spouse and dependent children. Note: If you wish to enroll for the Voluntary AD&D coverage, you must also enroll for the Voluntary Life coverage.

BENEFIT

EMPLOYEE

SPOUSE**

CHILDREN

Benefit Amount

Increments of $10,000

Increments of $5,000

$10,000

Minimum Benefit Amount

$10,000

$5,000

$10,000

Maximum Benefit Amount

$250,000

$10,000

Guaranteed Coverage Amount*

Under 69 -$50,000; 70+ $10,000

Under 65 - $25,000; 65-69 $10,000

$10,000

*Guaranteed coverage means the maximum amount of coverage available without Evidence of Insurability. **Spouse coverage terminates at age 70

VOLUNTARY LIFE INSURANCE MONTHLY RATES THIS IS AN OPTIONAL BENEFIT. EMPLOYEES PAY 100% OF THE COST

Employee Rates

Spouse Rates*

Child(ren) Rate

RATE PER $1,000 OF BENEFIT

PER CHILD UNIT

AGE

Birth to age 19 (26 if full-time student)

Under 25

$0.071

50-54

$0.370

Under 25

$0.071

50-54

$0.370

$0.140

25-29

$0.071

55-59

$0.591

25-29

$0.071

55-59

$0.591

Voluntary AD&D Rates

EMPLOYEE PER $1,000

SPOUSE PER $1,000

30-34

$0.076

60-64

$0.875

30-34

$0.076

60-64

$0.875

35-39

$0.097

65-69

$1.565

35-39

$0.097

65-69

$1.565

$0.030

PER CHILD UNIT

40-44

$0.144

70-74

$3.088

40-44

$0.144

70-74

$3.088

45-49

$0.228

75+

$3.088

45-49

$0.228

75+

$3.088

$0.030

*Spouse Premium is based on employee’s age.

For additional plan information, please refer to your detailed plan design. In the event of a discrepancy, the carrier Plan Document shall prevail.

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