IMPORTANT NOTICES

Please take a moment to read these important messages:

• 2025 Annual Notices informing you about your rights

• Summary of Benefits and Coverage: PPO Plan & CDHP Plan, comparing coverages between the two plans

• Please verify that your enrolled dependents continue to meet the eligibility guidelines. The plan reserves the right to audit dependent enrollment at any time to verify that enrolled dependents are eligible for coverage.

• If you do not make changes now, your next chance to do so will be during our next open enrollment in 2024, unless you experience a qualifying life event, in which case you must notify Human Resources of the change within 30 days.

• Your portion of the medical, dental, and vision premiums will be deducted from your paycheck on a pre-tax basis unless you tell us differently.