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2

TABLE OF CONTENTS

3 Plan Overview

4 Benefit Eligibility Requirements

5 Medical Information

6 Dental Plan

7 Vision Plan

7 Flexible Spending Account (FSA)

8 Employer Paid Life Insurance and AD&D

9 Voluntary Life Insurance and AD&D

9 Employer Paid Short Term Disability (STD)

10 Employer Paid Long Term Disability (LTD)

10 Voluntary Supplemental Benefits

10 Retirement Plan

11 Time Off Benefits

12 Important Contacts