BENEFITS Life Insurance For You: An amount equal to 1.5 times your annual salary, but in no event less than $0 or Benefit Amount more than $225,000 In the event of death, the benefit paid will be equal to the benefit amount after any age reductions less any living care/accelerated death benefits previously paid under this plan. Accidental For You: The Principal Sum amount is equal to the amount of your life insurance benefit. Death & Dismemberment (AD&D) Benefit Amount FEATURES Living Care/ 75% of the amount of the life insurance benefit is available to you if terminally ill, not to Accelerated exceed $168,750. Death Benefit Waiver of If it is determined that you are totally disabled, your life insurance benefit will continue Premium without payment of premium, subject to certain conditions. Additional In addition to basic AD&D benefits, you are protected by the following benefits: AD&D Benefits - Child Education - Seat Belt - Airbag - Coma Conversion If your employment ends, you may apply for an individual life insurance policy from Mutual of Omaha without having to provide evidence of insurability (information about your health). You will be responsible for the premium for the coverage. SERVICES Travel The Travel Assistance program is an added benefit that provides assistance for your travels Assistance over 100 miles away from home or outside the country. Hearing The Hearing Discount Program provides you and your family discounted hearing products, Discount including hearing aids and batteries. Call 1-888-534-1747 or visit Program www.amplifonusa.com/mutualofomaha to learn more. Will Prep We work with Epoq, Inc. to offer employees online will prep tools. In just a few clicks you Services can complete a basic will or other documents to protect your family and property. To get started visit www.willprepservices.com. AGE REDUCTIONS AND EXCLUSIONS Insurance benefits and guarantee issue amounts are subject to age reductions: - At age 65, amounts reduce to 65% - At age 70, amounts reduce to 50% Information about the AD&D exclusions for this plan will be included in the summary of coverage, which you will receive after enrolling. Please contact your employer if you have questions prior to enrolling.