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IMPORTANT: This is a fixed indemnity policy, NOT health insurance This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. • The payment you get isn’t based on the size of your medical bill. • There might be a limit on how much this policy will pay each year. • This policy isn’t a substitute for comprehensive health insurance. • Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance. Looking for comprehensive health insurance? • Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options. • To find out if you can get health insurance through your job, or a family member’s job, contact the employer. Questions about this policy? • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.” • If you have this policy through your job, or a family member’s job, contact the employer.

PLAN SUMMARY Hospital Indemnity Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0724041828[exp0726][All States][DC,GU,MP,PR,VI] © 2024 MetLife Services and Solutions, LLC HI16 ADF# HI1993.18 Coverage to help with unexpected expenses, such as hospitalization expenses that may not be covered under your medical plan. Hospital Indemnity Insurance Benefits With MetLife’s Hospital Indemnity Insurance, you’ll have a choice of a plan which provide benefit payments for covered events regardless of any other insurance payments you may receive . Here are just some of the covered benefits/servicesB, when an accident or illness puts you in the hospital.A Covered Benefits Please contact MetLife for detailed definitions and state variations of covered benefits. Subcategory Benefit Limits (Applies to Subcategory) Benefit Benefit Amounts Hospital Benefits Admission Benefit 1 time(s) per calendar year Admission $1,000 ICU Supplemental Admission (Benefit paid concurrently with the Admission benefit when a Covered Person is admitted to ICU) $1,000 Confinement Benefit 365 days per calendar year ICU Supplemental Confinement will pay an additional benefit for 365 of those days Confinement⁴ $100 ICU Supplemental Confinement (Benefit paid concurrently with the Confinement benefit when a Covered Person is admitted to ICU) $100 Confinement Benefit for Newborn Nursery Care 3 day(s) per confinement Confinement Benefit for Newborn Nursery Care5 $200 Inpatient Rehabilitation Benefit 15 days per calendar year Inpatient Rehabilitation (For Injury or Sickness) $200 Other Benefits Health Screening Benefit7 1 time(s) per calendar year per covered person Health Screening $50 *Any benefit(s) marked with an asterisk requires a prior Hospital Admission or Confinement. 4 If the Admission Benefit is payable for a Confinement, the Confinement Benefit will begin to be payable the day after Admission. 5 Payable for the period of newborn confinement for a newborn child who is not sick or injured. 7 In certain states, the Health Screening Benefit is provided by MetLife Consumer Services as a separate service and is not part of the insurance coverage. This does not impact the Health Screening Benefit’s availability, cost, or the way in which the service is accessed. The covered health screenings are: Routine health check-up exam (annual physical exam), biopsies for cancer, blood chemistry panel, blood test to determine total cholesterol, blood test to determine triglycerides, bone marrow testing, breast MRI, breast ultrasound, breast sonogram, cancer antigen 15-3 blood test for breast cancer (CA 15-3), cancer antigen 125 blood test for ovarian cancer (CA 125), carcinoembryonic antigen blood test for colon cancer (CEA), carotid doppler, complete blood count (CBC), chest x-rays, clinical testicular exam, colonoscopy, coronavirus testing, dental exam , digital rectal exam (DRE), Doppler screening for cancer, Doppler screening for peripheral vascular disease, Echocardiogram, electrocardiogram (EKG), electroencephalogram (EEG), endoscopy, eye exam, fasting blood glucose test, fasting plasma glucose test, flexible sigmoidoscopy, hearing test, hemoccult stool specimen, hemoglobin A1C, human papillomavirus (HPV) vaccination, immunization, lipid panel, mammogram, oral cancer screening, pap smears or thin prep pap test, prostate-specific antigen (PSA) test, serum cholesterol test to determine LDL and HDL levels, serum protein electrophoresis, skin cancer biopsy, skin cancer screening, skin exam, stress test on bicycle or treadmill , successful completion of smoking cessation program, tests for sexually transmitted infections (STIs), thermography, two hour post-load plasma glucose test, ultrasounds for cancer detection, ultrasound screening of the abdominal aorta for abdominal aortic aneurysms and virtual colonoscopy . For groups sitused in CA, the following health

PLAN SUMMARY Hospital Indemnity Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0724041828[exp0726][All States][DC,GU,MP,PR,VI] © 2024 MetLife Services and Solutions, LLC HI16 ADF# HI1993.18 Coverage to help with unexpected expenses, such as hospitalization expenses that may not be covered under your medical plan. screenings are also included: any cervical cancer screening test approved by the federal Food and Drug Administration upon approval by the Covered Person’s Physician, a human papillomavirus test that is approved by the federal Food and Drug Administration and any generally medically accepted cancer screening tests approved by the Federal Food and Drug Administration. Benefit Payment Example for High Plan Susan has chest pains at home, and after contacting her doctor, she is instructed to head to her local hospital. Upon arrival, the doctor examines Susan and advises that she requires immediate admission to the Intensive Care Unit for further evaluation and treatment. After two days in the Intensive Care Unit, Susan moves to a standard room and spends two additional days recovering in the hospital. Susan was released to her primary care physician for follow-up treatment and observation. Her primary doctor is now keeping a close watch over Susan’s overall health. Depending on her health insurance, Susan’s out-of-pocket costs could run into hundreds of dollars to cover expenses like insurance co-payments and deductibles. MetLife Group Hospital Indemnity Insurance payments can help cover these unexpected costs or in any other way Susan sees fit. Benefit amount is based on a sample MetLife plan design. Plan design and plan benefits may vary. Questions & Answers Q. How do I enroll? A. Enroll for coverage at Employer website. Q. Who is eligible to enroll for this Hospital Indemnity coverage? A. You are eligible to enroll yourself and your eligible family members. C You need to enroll during your Enrollment Period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth in the Certificate. Some states require the insured to have medical coverage. Q. How do I pay for my Hospital Indemnity coverage? A. Premiums will be paid through payroll deduction, so you don’t have to worry about writing a check or missing a payment. Q. What happens if my employment status changes? Can I take my coverage with me? A. Yes, you can take your coverage with you. You will need to continue to pay your premiums to keep your coverage in force. Your coverage will only end if you stop paying your premium or if your employer cancels the group policy and offers you similar coverage with a different insurance carrier. D Q. What is the coverage effective date? A. The coverage effective date is 08/01/2025 Q. Who do I call for assistance? A. Please call MetLife directly at 1-800-GET-MET8 (1-800-438-6388) and talk with a benefits consultant. Or visit our website: www.mybenefits.metlife.com Insurance Rates MetLife offers group rates and payroll deductions, so you don’t have to worry about writing a check or missing a payment! Your employee rates are outlined below. Hospital Indemnity Insurance Covered Benefit High Benefit Amount Regular Hospital Admission (1x) $1,000 ICU Supplemental Admission (1x) $1,000 Regular Hospital Confinement (3 total days) $300 ICU Supplemental Confinement (1 day) $100 Benefits paid by MetLife Group Hospital Indemnity Insurance $2,400

PLAN SUMMARY Hospital Indemnity Insurance Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 L0724041828[exp0726][All States][DC,GU,MP,PR,VI] © 2024 MetLife Services and Solutions, LLC HI16 ADF# HI1993.18 Coverage to help with unexpected expenses, such as hospitalization expenses that may not be covered under your medical plan. Coverage Options High Plan Employee $15.30 Spouse $14.10 Child(ren) $10.72 Spouse & Child(ren) $27.18 A Hospital does not include certain facilities such as nursing homes, convalescent care or extended care facilities. See your Disclosure Statement or Outline of Coverage/Disclosure Document for full details. B Covered services/treatments must be the result of an accident or sickness as defined in the group policy/certificate. See your Disclosure Statement or Outline of Coverage/Disclosure Document for more details. C Coverage is guaranteed provided (1) the employee is actively at work and (2) dependents to be covered are not subject to medical restrictions as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage. Additional restrictions may apply to dependents serving in the armed forces or living overseas.” D Eligibility for portability through the Continuation of Insurance with Premium Payment provision may be subject to certain eligibility requirements and limitations. For more information, contact your MetLife representative. METLIFE'S HOSPITAL INDEMNITY INSURANCE IS A LIMITED BENEFIT GROUP INSURANCE POLICY. The policy is not intended to be a substitute for medical coverage and certain states may require the insured to have medical coverage to enroll for the coverage. The policy or its provisions may vary or be unavailable in some states. Prior hospital confinement may be required to receive certain benefits. There may be a preexisting condition limitation for hospital sickness benefits. MetLife’s Hospital Indemnity Insurance may be subject to benefit reductions that begin at age 65. Like most group accident and health insurance policies, policies offered by MetLife may contain certain exclusions, limitations and terms for keeping them in force. For complete details of coverage and availability, please refer to the group policy form GPNP12-AX, GPNP13-HI, GPNP16-HI or GPNP12-AX-PASG, or contact MetLife. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York. In certain states, availability of MetLife’s Group Hospital Indemnity Insurance is pending regulatory approval.