Overview of Group Supplemental & Dependent Life/AD&D Insurance

This document outlines the eligibility, benefit amounts, and contribution requirements for group supplemental and dependent life and AD&D insurance provided by 'The Life is Good Company.'

www.reliancematrix.com This Plan Highlight is not a complete description of the insurance coverage. Insurance is provided under group policy form LRS-6422, et al. This is not a binding contract. Should there be a difference between this Plan Highlight and the contract, the contract will govern. The Certificate of Coverage will be made available to you that describes the benefits in greater detail; however a benefit will not be paid if caused or contributed by an exclusion listed in the Certificate. Reliance Standard Life Insurance Company is licensed in all states (except New York), the District of Columbia, Puerto Rico, the U.S. Virgin Islands and Guam. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, Home Office: New York, NY. Product features and availability may vary by state. Plan Highlights The Life is Good Company ELIGIBILITY All Other Active Full-Time and Part-Time Employees working 30 hours or more per week, except for any person working on a temporary or seasonal basis. Dependents: You must be insured for your Dependents to be covered. Dependents are:  Your legal spouse who is not legally separated or divorced from you;  Your legally-recognized domestic or civil union partner;  Your unmarried financially dependent children birth to 26 years;  A person may not have coverage as both an Employee and Dependent;  Only one insured spouse may cover dependent children; BENEFIT AMOUNT Supplemental Life: Choose from a minimum of $10,000 to a maximum of $500,000 in $10,000 increments. Spouse: Choose from a minimum of $5,000, a maximum of $250,000 in $5,000 increments, not to exceed 50% of employee amount. Child(ren): Birth to age 26 years: A choice of $2,500, $5,000, $7,500 or $10,000. GUARANTEED ISSUE Initial eligibility period only Employee: Under age 60: $150,000 Age 60 but less than age 70: $150,000 Age 70 and over: $10,000 Spouse: Under age 60: $30,000 Age 60 but less than age 70: $30,000 Age 70 and over: $10,000 Child(ren): $10,000 CONTRIBUTION REQUIREMENTS Coverage is 100% Employee Paid. AD&D SCHEDULE For Accidental Loss of Amount Payable Life 100% Both Hands 100% Both Feet 100% Sight of Both Eyes 100% One Hand and One Foot 100% One Hand and Sight of One Eye 100% One Foot and Sight of One Eye 100% Speech and Hearing 100% One Hand 50% One Foot 50% Sight of One Eye 50% Speech 50% Hearing 50% For Total Loss of Amount Payable Both Arms and Both Legs 100% Both Arms and One Leg or Both Legs and One Arm 75% Both Arms 67% Both Legs 67% One Arm and One Leg 67% One Arm or One Leg 50% BENEFIT REDUCTION DUE TO AGE Age Original Benefit Reduced to 65 65% 70 50% RATES See attached Rate Sheet Group Supplemental & Dependent Life / AD&D Insurance

Page 1 of 3 Reliance Standard Plans Supplemental and Dependent Life and AD&D Insurance Premium Table Plan Holder: The Life is Good Company Scheduled Benefit: Each eligible employee may elect for himself/herself and/or his/her eligible spouse an amount of insurance shown in the table below. For employees age 65 and older: Benefit amounts are reduced according to the age-based reduction chart shown in the Supplemental Life brochure. Employee/Spouse Premiums: To find you and your spouse's premium:  Determine your age band: Your age = your age at your last birthday.  Select a benefit amount (employees age 65 and older: see above comment).  Spouse premium: Repeat the steps above for your spouse at his/her age at his/her last birthday.  Employee and spouse rates change as they respectively move from one age bracket to the next. Employee Weekly Premiums Benefit Amount Age 18-24 Age 25-29 Age 30-34 Age 35-39 Age 40-44 Age 45-49 Age 50-54 Age 55-59 Age 60-64 Age 65-69 Age 70+ $10,000 $0.15 $0.15 $0.22 $0.22 $0.31 $0.54 $0.87 $1.44 $2.20 $3.91 $7.12 $20,000 $0.30 $0.30 $0.44 $0.44 $0.62 $1.08 $1.73 $2.88 $4.41 $7.82 $14.24 $30,000 $0.45 $0.45 $0.66 $0.66 $0.93 $1.63 $2.60 $4.33 $6.61 $11.73 $21.36 $40,000 $0.60 $0.60 $0.88 $0.88 $1.25 $2.17 $3.46 $5.77 $8.82 $15.65 $28.48 $50,000 $0.75 $0.75 $1.10 $1.10 $1.56 $2.71 $4.33 $7.21 $11.02 $19.56 $35.60 $60,000 $0.90 $0.90 $1.32 $1.32 $1.87 $3.25 $5.19 $8.65 $13.22 $23.47 $42.72 $70,000 $1.05 $1.05 $1.53 $1.53 $2.18 $3.80 $6.06 $10.10 $15.43 $27.38 $49.83 $80,000 $1.20 $1.20 $1.75 $1.75 $2.49 $4.34 $6.92 $11.54 $17.63 $31.29 $56.95 $90,000 $1.35 $1.35 $1.97 $1.97 $2.80 $4.88 $7.79 $12.98 $19.83 $35.20 $64.07 $100,000 $1.50 $1.50 $2.19 $2.19 $3.12 $5.42 $8.65 $14.42 $22.04 $39.12 $71.19 $110,000 $1.65 $1.65 $2.41 $2.41 $3.43 $5.97 $9.52 $15.87 $24.24 $43.03 $78.31 $120,000 $1.80 $1.80 $2.63 $2.63 $3.74 $6.51 $10.38 $17.31 $26.45 $46.94 $85.43 $130,000 $1.95 $1.95 $2.85 $2.85 $4.05 $7.05 $11.25 $18.75 $28.65 $50.85 $92.55 $140,000 $2.10 $2.10 $3.07 $3.07 $4.36 $7.59 $12.12 $20.19 $30.85 $54.76 $99.67 $150,000 $2.25 $2.25 $3.29 $3.29 $4.67 $8.13 $12.98 $21.63 $33.06 $58.67 $106.79 $160,000 $2.40 $2.40 $3.51 $3.51 $4.98 $8.68 $13.85 $23.08 $35.26 $62.58 $113.91 $170,000 $2.55 $2.55 $3.73 $3.73 $5.30 $9.22 $14.71 $24.52 $37.47 $66.50 $121.03 $180,000 $2.70 $2.70 $3.95 $3.95 $5.61 $9.76 $15.58 $25.96 $39.67 $70.41 $128.15 $190,000 $2.85 $2.85 $4.17 $4.17 $5.92 $10.30 $16.44 $27.40 $41.87 $74.32 $135.27 $200,000 $3.00 $3.00 $4.38 $4.38 $6.23 $10.85 $17.31 $28.85 $44.08 $78.23 $142.38 $210,000 $3.15 $3.15 $4.60 $4.60 $6.54 $11.39 $18.17 $30.29 $46.28 $82.14 $149.50 $220,000 $3.30 $3.30 $4.82 $4.82 $6.85 $11.93 $19.04 $31.73 $48.48 $86.05 $156.62 $230,000 $3.45 $3.45 $5.04 $5.04 $7.17 $12.47 $19.90 $33.17 $50.69 $89.97 $163.74 $240,000 $3.60 $3.60 $5.26 $5.26 $7.48 $13.02 $20.77 $34.62 $52.89 $93.88 $170.86 $250,000 $3.75 $3.75 $5.48 $5.48 $7.79 $13.56 $21.63 $36.06 $55.10 $97.79 $177.98 $260,000 $3.90 $3.90 $5.70 $5.70 $8.10 $14.10 $22.50 $37.50 $57.30 $101.70 $185.10 $270,000 $4.05 $4.05 $5.92 $5.92 $8.41 $14.64 $23.37 $38.94 $59.50 $105.61 $192.22 $280,000 $4.20 $4.20 $6.14 $6.14 $8.72 $15.18 $24.23 $40.38 $61.71 $109.52 $199.34 $290,000 $4.35 $4.35 $6.36 $6.36 $9.03 $15.73 $25.10 $41.83 $63.91 $113.43 $206.46 $300,000 $4.50 $4.50 $6.58 $6.58 $9.35 $16.27 $25.96 $43.27 $66.12 $117.35 $213.58 $310,000 $4.65 $4.65 $6.80 $6.80 $9.66 $16.81 $26.83 $44.71 $68.32 $121.26 $220.70 $320,000 $4.80 $4.80 $7.02 $7.02 $9.97 $17.35 $27.69 $46.15 $70.52 $125.17 $227.82 $330,000 $4.95 $4.95 $7.23 $7.23 $10.28 $17.90 $28.56 $47.60 $72.73 $129.08 $234.93 $340,000 $5.10 $5.10 $7.45 $7.45 $10.59 $18.44 $29.42 $49.04 $74.93 $132.99 $242.05 $350,000 $5.25 $5.25 $7.67 $7.67 $10.90 $18.98 $30.29 $50.48 $77.13 $136.90 $249.17 $360,000 $5.40 $5.40 $7.89 $7.89 $11.22 $19.52 $31.15 $51.92 $79.34 $140.82 $256.29 $370,000 $5.55 $5.55 $8.11 $8.11 $11.53 $20.07 $32.02 $53.37 $81.54 $144.73 $263.41 $380,000 $5.70 $5.70 $8.33 $8.33 $11.84 $20.61 $32.88 $54.81 $83.75 $148.64 $270.53 $390,000 $5.85 $5.85 $8.55 $8.55 $12.15 $21.15 $33.75 $56.25 $85.95 $152.55 $277.65

Page 2 of 3 $400,000 $6.00 $6.00 $8.77 $8.77 $12.46 $21.69 $34.62 $57.69 $88.15 $156.46 $284.77 $410,000 $6.15 $6.15 $8.99 $8.99 $12.77 $22.23 $35.48 $59.13 $90.36 $160.37 $291.89 $420,000 $6.30 $6.30 $9.21 $9.21 $13.08 $22.78 $36.35 $60.58 $92.56 $164.28 $299.01 $430,000 $6.45 $6.45 $9.43 $9.43 $13.40 $23.32 $37.21 $62.02 $94.77 $168.20 $306.13 $440,000 $6.60 $6.60 $9.65 $9.65 $13.71 $23.86 $38.08 $63.46 $96.97 $172.11 $313.25 $450,000 $6.75 $6.75 $9.87 $9.87 $14.02 $24.40 $38.94 $64.90 $99.17 $176.02 $320.37 $460,000 $6.90 $6.90 $10.08 $10.08 $14.33 $24.95 $39.81 $66.35 $101.38 $179.93 $327.48 $470,000 $7.05 $7.05 $10.30 $10.30 $14.64 $25.49 $40.67 $67.79 $103.58 $183.84 $334.60 $480,000 $7.20 $7.20 $10.52 $10.52 $14.95 $26.03 $41.54 $69.23 $105.78 $187.75 $341.72 $490,000 $7.35 $7.35 $10.74 $10.74 $15.27 $26.57 $42.40 $70.67 $107.99 $191.67 $348.84 $500,000 $7.50 $7.50 $10.96 $10.96 $15.58 $27.12 $43.27 $72.12 $110.19 $195.58 $355.96 Spouse Weekly Premiums Benefit Amount Age 18-24 Age 25-29 Age 30-34 Age 35-39 Age 40-44 Age 45-49 Age 50-54 Age 55-59 Age 60-64 Age 65-69 Age 70+ $5,000 $0.08 $0.08 $0.13 $0.11 $0.16 $0.27 $0.43 $0.72 $1.10 $1.96 $3.56 $10,000 $0.15 $0.15 $0.27 $0.22 $0.31 $0.54 $0.87 $1.44 $2.20 $3.91 $7.12 $15,000 $0.23 $0.23 $0.40 $0.33 $0.47 $0.81 $1.30 $2.16 $3.31 $5.87 $10.68 $20,000 $0.30 $0.30 $0.53 $0.44 $0.62 $1.08 $1.73 $2.88 $4.41 $7.82 $14.24 $25,000 $0.38 $0.38 $0.66 $0.55 $0.78 $1.36 $2.16 $3.61 $5.51 $9.78 $17.80 $30,000 $0.45 $0.45 $0.80 $0.66 $0.93 $1.63 $2.60 $4.33 $6.61 $11.73 $21.36 $35,000 $0.53 $0.53 $0.93 $0.77 $1.09 $1.90 $3.03 $5.05 $7.71 $13.69 $24.92 $40,000 $0.60 $0.60 $1.06 $0.88 $1.25 $2.17 $3.46 $5.77 $8.82 $15.65 $28.48 $45,000 $0.68 $0.68 $1.19 $0.99 $1.40 $2.44 $3.89 $6.49 $9.92 $17.60 $32.04 $50,000 $0.75 $0.75 $1.33 $1.10 $1.56 $2.71 $4.33 $7.21 $11.02 $19.56 $35.60 $55,000 $0.83 $0.83 $1.46 $1.21 $1.71 $2.98 $4.76 $7.93 $12.12 $21.51 $39.16 $60,000 $0.90 $0.90 $1.59 $1.32 $1.87 $3.25 $5.19 $8.65 $13.22 $23.47 $42.72 $65,000 $0.98 $0.98 $1.73 $1.43 $2.03 $3.53 $5.63 $9.38 $14.33 $25.43 $46.28 $70,000 $1.05 $1.05 $1.86 $1.53 $2.18 $3.80 $6.06 $10.10 $15.43 $27.38 $49.83 $75,000 $1.13 $1.13 $1.99 $1.64 $2.34 $4.07 $6.49 $10.82 $16.53 $29.34 $53.39 $80,000 $1.20 $1.20 $2.12 $1.75 $2.49 $4.34 $6.92 $11.54 $17.63 $31.29 $56.95 $85,000 $1.28 $1.28 $2.26 $1.86 $2.65 $4.61 $7.36 $12.26 $18.73 $33.25 $60.51 $90,000 $1.35 $1.35 $2.39 $1.97 $2.80 $4.88 $7.79 $12.98 $19.83 $35.20 $64.07 $95,000 $1.43 $1.43 $2.52 $2.08 $2.96 $5.15 $8.22 $13.70 $20.94 $37.16 $67.63 $100,000 $1.50 $1.50 $2.65 $2.19 $3.12 $5.42 $8.65 $14.42 $22.04 $39.12 $71.19 $105,000 $1.58 $1.58 $2.79 $2.30 $3.27 $5.69 $9.09 $15.14 $23.14 $41.07 $74.75 $110,000 $1.65 $1.65 $2.92 $2.41 $3.43 $5.97 $9.52 $15.87 $24.24 $43.03 $78.31 $115,000 $1.73 $1.73 $3.05 $2.52 $3.58 $6.24 $9.95 $16.59 $25.34 $44.98 $81.87 $120,000 $1.80 $1.80 $3.18 $2.63 $3.74 $6.51 $10.38 $17.31 $26.45 $46.94 $85.43 $125,000 $1.88 $1.88 $3.32 $2.74 $3.89 $6.78 $10.82 $18.03 $27.55 $48.89 $88.99 $130,000 $1.95 $1.95 $3.45 $2.85 $4.05 $7.05 $11.25 $18.75 $28.65 $50.85 $92.55 $135,000 $2.03 $2.03 $3.58 $2.96 $4.21 $7.32 $11.68 $19.47 $29.75 $52.81 $96.11 $140,000 $2.10 $2.10 $3.72 $3.07 $4.36 $7.59 $12.12 $20.19 $30.85 $54.76 $99.67 $145,000 $2.18 $2.18 $3.85 $3.18 $4.52 $7.86 $12.55 $20.91 $31.96 $56.72 $103.23 $150,000 $2.25 $2.25 $3.98 $3.29 $4.67 $8.13 $12.98 $21.63 $33.06 $58.67 $106.79 $155,000 $2.33 $2.33 $4.11 $3.40 $4.83 $8.41 $13.41 $22.36 $34.16 $60.63 $110.35 $160,000 $2.40 $2.40 $4.25 $3.51 $4.98 $8.68 $13.85 $23.08 $35.26 $62.58 $113.91 $165,000 $2.48 $2.48 $4.38 $3.62 $5.14 $8.95 $14.28 $23.80 $36.36 $64.54 $117.47 $170,000 $2.55 $2.55 $4.51 $3.73 $5.30 $9.22 $14.71 $24.52 $37.47 $66.50 $121.03 $175,000 $2.63 $2.63 $4.64 $3.84 $5.45 $9.49 $15.14 $25.24 $38.57 $68.45 $124.59 $180,000 $2.70 $2.70 $4.78 $3.95 $5.61 $9.76 $15.58 $25.96 $39.67 $70.41 $128.15 $185,000 $2.78 $2.78 $4.91 $4.06 $5.76 $10.03 $16.01 $26.68 $40.77 $72.36 $131.71 $190,000 $2.85 $2.85 $5.04 $4.17 $5.92 $10.30 $16.44 $27.40 $41.87 $74.32 $135.27 $195,000 $2.93 $2.93 $5.18 $4.28 $6.08 $10.58 $16.88 $28.13 $42.98 $76.28 $138.83 $200,000 $3.00 $3.00 $5.31 $4.38 $6.23 $10.85 $17.31 $28.85 $44.08 $78.23 $142.38 $205,000 $3.08 $3.08 $5.44 $4.49 $6.39 $11.12 $17.74 $29.57 $45.18 $80.19 $145.94 $210,000 $3.15 $3.15 $5.57 $4.60 $6.54 $11.39 $18.17 $30.29 $46.28 $82.14 $149.50 $215,000 $3.23 $3.23 $5.71 $4.71 $6.70 $11.66 $18.61 $31.01 $47.38 $84.10 $153.06 $220,000 $3.30 $3.30 $5.84 $4.82 $6.85 $11.93 $19.04 $31.73 $48.48 $86.05 $156.62 $225,000 $3.38 $3.38 $5.97 $4.93 $7.01 $12.20 $19.47 $32.45 $49.59 $88.01 $160.18 $230,000 $3.45 $3.45 $6.10 $5.04 $7.17 $12.47 $19.90 $33.17 $50.69 $89.97 $163.74 $235,000 $3.53 $3.53 $6.24 $5.15 $7.32 $12.74 $20.34 $33.89 $51.79 $91.92 $167.30 $240,000 $3.60 $3.60 $6.37 $5.26 $7.48 $13.02 $20.77 $34.62 $52.89 $93.88 $170.86 $245,000 $3.68 $3.68 $6.50 $5.37 $7.63 $13.29 $21.20 $35.34 $53.99 $95.83 $174.42 $250,000 $3.75 $3.75 $6.63 $5.48 $7.79 $13.56 $21.63 $36.06 $55.10 $97.79 $177.98

Page 3 of 3 Dependent Child(ren) Weekly Premiums: Benefit Amount Premium $2,500 $0.03 $5,000 $0.05 $7,500 $0.08 $10,000 $0.10 (One rate and benefit amount for all eligible children in family, regardless of number) PREMIUM CALCULATION (Add your elections here): Employee Premium Spouse Premium Dependent Child(ren) Premium Total Premium (Rates are calculated as of coverage effective date and are based on insured's age in relation to Plan anniversary date. Billed rates may be higher if, at application, the person is at the highest age in an age band). Please read this important information:  You may not have coverage as both an employee and as a dependent.  Only one insured spouse may cover the eligible dependent children. Rates are subject to change.