[ LIFE & ACCIDENT INSURANCE ]

We provide this plan at no cost to you. Your coverage amount is 1.5 times your annual benefit earnings, up to $750,000.

In addition to Basic Life Insurance, you may buy Supplemental Life Insurance for yourself, your spouse and children as follows:

• For yourself: Between 1 and 8 times your benefit earnings up to $1 million
• For your spouse: $25,000, $50,000, $75,000, $100,000 or $125,000
• For your child: $5,000 or $10,000

If you elect coverage within 30 days from your hire date or the date you become a full-time employee, you can elect up to the guaranteed issue amount without submitting Evidence of Insurability (EOI).

EOI is an application process that provides information on your health in order to gain coverage.

Each year at Open Enrollment, you can increase your coverage by one level up to the guaranteed issue amount without providing EOI. You may choose these amounts without submitting EOI:

• For yourself: 5 times your salary or $500,000, whichever is less
• For your spouse: up to $50,000
• For your children: up to $10,000 each

Important: During this year’s Open Enrollment, you and your eligible spouse will have a one-time opportunity to increase your Supplemental Life insurance election. Find details under What’s New.

If you elect Supplemental Life Insurance for yourself or spouse after the initial eligibility period, EOI may be required before coverage can begin.