Page 1 - Benefits Highlights 2020-21

BENEFIT HIGHLIGHTS

The plan year is from 4/1/2020—3/31/2021

M&M Corporate Services, Inc. provides competitive benefit plans and programs to support our staffs’ variety of lifestyles.
Employees become eligible to participate in most benefit plans on the first day of the month following their date of hire. Below
is a brief overview of the group of insurance plans and benefit programs available. Plans are discretionary and subject to change.

Medical / Dental / Vision

Employees and their eligible dependents may opt to enroll in medical, dental and/or vision benefits and can select from a variety of
medical and dental plans. Employees who enroll in benefits through the Company share in the costs of the plans through pre-tax,
payroll deductions of premiums. The level of Employee cost varies by plan type and level of coverage selected. To view a premium
rate sheet, please refer to the Benefits Guide.

Eligible dependents include spouse, domestic partner, and unmarried dependent children under age 26.

Medical Dental Vision

ANTHEM GUARDIAN VISION SERVICE PLAN (VSP)
• HSA PPO (all states) • DMO (CA only) • Vision PPO (all states)
• PPO (all states) • PPO (all states)
• HMO (CA only)
KAISER
• HSA HMO (CA only)
• HMO (CA, WA, OR)

Flexible Spending Plans (Medical, Dependent Care, Mass-Transit)

Employees have the opportunity to enroll in pre-tax savings plans to pay for eligible expenses, such as: out-of-pocket medical and
dependent day care expenses, as well as qualified mass-transit and parking expenses.

Life & Accidental Death & Dismemberment / Long-Term Disability

GROUP LIFE/ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) COVERAGE: In the event of your death for any reason, life
insurance pays benefits to your beneficiary equal to your base annual salary up to $200,000. If you suffer death or
serious injury due to a covered accident, AD&D insurance pays benefits to your beneficiary equal to your annual base
salary up to $200,000. AD&D coverage applies only if the injury or death is the result of an accident and is in addition
to the regular Employee life insurance. The group coverage is provided by the Company, at no cost to the Employee.

VOLUNTARY LIFE COVERAGE: Employees have the opportunity to purchase additional Life Insurance through a
Supplemental Life Plan. Employees may purchase up to 5xs their salary, in increments ranging from $10,000 to
$500,000. Rates are based on Employee’s age and are calculated on a per $1,000 of benefit coverage.

LONG-TERM DISABILITY (LTD) COVERAGE: In the event of a long-term injury or illness, this plan will help to replace or
supplement your income. If you are injured or sick and cannot work, the core plan will pay 40% of your monthly earnings (up
to a maximum of $5,000 per month). Additionally, you have the opportunity to “buy-up” and purchase an additional 60% (up
to a maximum of $10,000 per month). The core coverage is provided by the Company, at no cost to the Employee. The “buy
-up” plan is an Employee paid, taxable benefit.