Short Term Disability Income Insurance Overview

STD-1 MP0000819539 SHORT TERM DISABILITY INCOME INSURANCE • Situs State: Kentucky • Proposed Effective Date: March 1, 2023 Eligibility • Eligible employees: 105 • Benefit-eligible employees who are : o Actively at work. o Actively at work minimum of 20.00 hours worked per week o Employee eligibility: Ages 16+ Underwriting STD Employee: • Guaranteed issue (GI) o Up to 60% of monthly income o $3,000 maximum Coverage type: • Off-Job Accident and 24-hour Sickness Plan option: • Elimination Period: 0 days accident, 7 days sickness, 3 months benefit period • Benefits are offered in $100 per-month increments with a $300 per-month minimum benefit. Participation: • Guaranteed issue (GI) participation requirement: Waived o If guaranteed issue is waived, the minimum to issue the product is 10 Employee Applications o GI participation requirements may be waived if there is an active enrollment in which at least 75% of eligible employees make an “enroll” or “waive” decision. STD Schedule of Benefits & Features • Pre-existing condition limitation: 12 months / 12 months • Coverage is not portable Included Benefits Rehabilitation Benefit: 10% increase in benefit if approved for rehabilitation plan. Waiver of Premium Benefit: Premium is waived after 90 days of continuous disability up to the maximum benefit duration. Living Organ Donor Benefit: 10% increase in monthly benefit if disability caused by donating an organ. Recurrent Total Disability: If totally disabled by the same cause within six months, each disability period will be considered part of the same disability. Only one elimination period will be required for recurrent periods of total disability.

STD-2 MP0000819539 Future Enrollment Annual enrollment • Newly Eligible Employees - may enroll on a GI basis. • Late Entrants - may apply using simplified issue underwriting. • Coverage Increases - current participants may increase coverage on a GI basis up to the maximum GI benefit amount. Open Enrollment • Approved by Wellfleet Underwriting, all eligible employees may enroll in coverage on a GI basis up to the maximum GI benefit amount. Perpetual enrollment • Newly Eligible Employees - may enroll on a GI basis as they become eligible. • Late Entrants - may only apply at annual enrollment using simplified issue underwriting or during an approved open enrollment using GI underwriting. • Coverage Increases - are only allowed during annual enrollment, within 30 days of a qualifying life event, or during an approved open enrollment using GI underwriting.

STD-3 MP0000819539 Rates Rating Information Contribution type: Voluntary Employer Contribution level: $0 Rate structure: Issue Age Tobacco status: Uni-tobacco Rate guarantee: 2 Years STD Monthly Rates Elimination Period: 0 Days Accident, 7 Days Sickness Benefit Period Maximum: 3 Months Monthly benefit 18-49 50-59 60-64 65-69 70+ $300 $10.78 $12.36 $15.93 $19.50 $26.64 $400 $14.37 $16.48 $21.24 $26.00 $35.52 $500 $17.96 $20.60 $26.55 $32.50 $44.40 $600 $21.56 $24.72 $31.86 $39.00 $53.28 $700 $25.15 $28.83 $37.17 $45.49 $62.16 $800 $28.74 $32.95 $42.48 $51.99 $71.04 $900 $32.33 $37.07 $47.79 $58.49 $79.92 $1,000 $35.93 $41.19 $53.10 $64.99 $88.80 $1,100 $39.52 $45.31 $58.41 $71.49 $97.68 $1,200 $43.11 $49.43 $63.72 $77.99 $106.56 $1,300 $46.70 $53.55 $69.03 $84.49 $115.44 $1,400 $50.30 $57.67 $74.34 $90.99 $124.32 $1,500 $53.89 $61.79 $79.65 $97.49 $133.20 $1,600 $57.48 $65.91 $84.96 $103.99 $142.08 $1,700 $61.07 $70.03 $90.27 $110.49 $150.96 $1,800 $64.67 $74.15 $95.58 $116.99 $159.84 $1,900 $68.26 $78.26 $100.89 $123.48 $168.72 $2,000 $71.85 $82.38 $106.20 $129.98 $177.60 $2,100 $75.44 $86.50 $111.51 $136.48 $186.48 $2,200 $79.04 $90.62 $116.82 $142.98 $195.36 $2,300 $82.63 $94.74 $122.13 $149.48 $204.24

STD-4 MP0000819539 $2,400 $86.22 $98.86 $127.44 $155.98 $213.12 $2,500 $89.81 $102.98 $132.75 $162.48 $222.00 $2,600 $93.41 $107.10 $138.06 $168.98 $230.88 $2,700 $97.00 $111.22 $143.37 $175.48 $239.76 $2,800 $100.59 $115.34 $148.68 $181.98 $248.64 $2,900 $104.18 $119.46 $153.99 $188.48 $257.52 $3,000 $107.78 $123.58 $159.30 $194.98 $266.40 Underwritten by Wellfleet Insurance Company

STD-5 MP0000819539 Renewal Wellfleet will review the plan following the rate guarantee period to assess the claims activity, participation and persistency. • Favorable plan results may be given a “no change notice” or an enhancement to their plan at the current rates. • If Wellfleet feels a plan needs improvement, they will consult on ways to improve the situation or receive rate action consideration.

STD-6 MP0000819539 EXCLUSIONS* Benefits will not be paid for loss caused by or in connection with: 1. War or act of war (whether declared or undeclared) while serving in the military or naval service of any country or any auxiliary unit; 2. Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane; 3. Mental or nervous disorders; 4. Chemical dependency; 5. Committing or attempting to commit a felony; 6. Participation in an illegal occupation or activity; 7. Travel in, or descent from, an aircraft, except when you are a fare-paying passenger in an aircraft operated by a commercial airline (other than a charter flight operated by a scheduled airline) on a regularly scheduled passenger trip; 8. Active duty in the armed forces of any nation or international governmental authority or units auxiliary thereto or the National Guard or similar government organizations; 9. Mountaineering using ropes and/or other equipment, parachuting or hang gliding; 10. Cosmetic surgery; not including reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection or other diseases of the involved part and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect; 11. Pregnancy that results in a normal delivery during the first 10 months following the effective date. A delivery due to a premature birth and which occurs prior to 10 months following the effective date will be covered if the pregnancy would otherwise have resulted in a viable birth with a scheduled delivery date after 10 months following the effective date. Loss due to complications of pregnancy is covered the same as an illness; or 12. Participating in any sport or sporting activity for wage, compensation or profit or racing any type of vehicle in an organized event. We will not pay benefits during any period in which you are legally incarcerated in a penal or correctional institution. We will not pay any benefits while you are residing or traveling outside of the United States, its territories or possessions, or Canada. An application for benefits may be made upon your return, provided you have received medical care for your condition following your return and you remain disabled. * May vary by state. Policy, Certificate and Riders should be reviewed for complete benefits, exclusions and limitations.