SUMMARY OF BENEFITS. Amount One Times Annual Salary rounded to the next higher $1,000. Minimum Amount $10,000. Maximum Amount $100,000

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1 Group Life Insurance SUMMARY OF BENEFITS Life and AD&D Sponsored by: University of Dallas Life Amount One Times Annual Salary rounded to the next higher $1,000 Minimum Amount $10,000 Maximum Amount $100,000 AD&D Amount One Times Annual Salary rounded to the next higher $1,000 Minimum Amount $10,000 Maximum Amount $100,000 Reduction s will reduce: 50% at age 70 s will terminate upon retirement. Additional s See Definitions page for: See Definitions page for: See Definitions page for: See Definitions page for: Eligibility Accelerated Death Seat Belt, Airbag, and Common Carrier Conversion Accident Plus All full-time active employees working 30 or more hours per week in an eligible class are eligible for coverage. A delayed effective date will apply if the employee is not actively at work. (Please see other side) GLM Rev. 4/08 Grp_Life-ADD_Seat Belt-Airbag

2 Definitions Accelerated Death AD&D Conversion Guarantee Issue Seat Belt, Airbag, Common Carrier Accident Plus Term Life Additional s BeneficiaryConnect SM TravelConnect SM Accelerated Death provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy). The death benefit will be reduced by the amount withdrawn. To qualify, you have satisfied the Active Work rule and have been covered under this policy for the required amount of time as defined by the policy. Check with your tax advisor or attorney before exercising this option. Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable. If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election must be made within 31 days of your date of termination. For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without any Evidence of Insurability requirement. Evidence of Insurability will be required for any amounts above this, for late enrollees or increase in insurance and it will be provided at your own expense. If you die as a result of a covered auto accident while wearing a seat belt or in a vehicle equipped with an airbag, benefits are payable up to $10,000 or 10% of the principal sum, whichever is less. If loss occurs for you due to an accident while riding as a passenger in a common carrier, benefits will be double the amount that would otherwise apply as outlined in the certificate. If loss occurs due to an accident, you may also receive the following Accident Plus benefits: Coma: Pays 5% of your principal sum up to a maximum of $5,000 if you are in a coma as a result of an accident covered under the policy and remain in a coma for 31 continuous days. Plegia: Pays 100% of your principal sum for quadriplegia and 50% of your principal sum for paraplegia and hemiplegia. Plegia must be caused by a covered accident. s are doubled if accident is caused by a common carrier. Repatriation: Pays up to $5,000 for preparation and transportation of your body when the accident occurs more than 150 miles away from home. Death must be the result of a covered accident. Education: As a result of your death, this benefit pays 5% of the principal sum up to a maximum of $5,000 for your eligible dependent s post-secondary education. The benefit is paid for up to four years. Spouse Training: As a result of your death, this benefit pays 5% of your principal sum up to a maximum of $5,000 for your spouse and covers the cost of classes taken to retrain or refresh skills needed for employment. s will be paid for one year and enrollment must occur within 365 days of the covered accident. Child Care: As a result of your death, this benefit pays 5% of your principal sum up to a maximum of $5,000 for expenses paid to a licensed childcare facility for an eligible dependent attending on a regular basis. The benefit will be paid for up to four consecutive years, or until your child s 13th birthday, whichever comes first. Coverage provided to the designated beneficiary upon the death of the insured. Coverage is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product. Support services for beneficiaries who have experienced a loss. Travel assistance services for employees and eligible dependents traveling more than 100 miles from home. For assistance or additional information Contact Lincoln Financial Group at (800) or log on to NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations. GLM Rev. 4/08 Grp_Life-ADD_Seat Belt-Airbag

3 Group Long-Term Disability Insurance with Core Buy-Up Option SUMMARY OF BENEFITS Sponsored by: University of Dallas Long-term disability is intended to protect your income for a long duration after you have depleted shortterm disability or any sick leave your company may offer. Eligibility Maximum Monthly Elimination Period Own Occupation Period Accumulation of Elimination Days All full-time active employees working 30 or more hours per week in an eligible class are eligible for coverage. 50% of salary up to $2,500 per month 180 days The number of days you must be disabled prior to collecting disability benefits. 24 Months You can satisfy the days of your elimination period with either total (off work entirely) or partial (working some hours at your current job) disability. If you are working on a partial basis, you will have 2x the elimination period days to satisfy the total of 180 days. Plan Choices You have 2 plan choices to choose from. The core plan is paid for by your employer and there is no cost to you. If you elect a buy-up option, the cost will be deducted from your salary. Monthly Max Elimination Period Duration Core Plan 50% $2, days RBD/SSNRA Buy-Up Option 60% $5, days RBD/SSNRA Pre-Existing Condition You may not be eligible for benefits if you have received treatment for a condition within the past three months until you have been covered under this plan for 12 months. Enrollment Waiver of Premium Survivor Income You are able to take advantage of this coverage now without a health examination. You may not be offered this opportunity again, or may be responsible for the cost of required examinations. You will not be required to pay premium during any time of approved total or partial disability. A survivor benefit may be paid to your beneficiary if you should die while receiving qualifying disability payments. Connect SM Access to an employee assistance program for the employee or an immediate household family member who may be experiencing personal or workplace issues. Limitations Mental Illness: 24 months Substance Abuse: 24 months Specified Illness: 24 months GLM Rev. 4/09 LTD_Grp_Core Buy-Up

4 Understanding Your s Own Occupation Total Disability Partial Disability Continuation of Disability Duration Reduction Pre-Existing Condition Exclusions Reductions The occupation trade or profession you were employed in prior to your disability as defined by the US DOL Dictionary of Occupational Titles. You are considered totally disabled if, due to an injury or illness, you are unable to perform each of the main duties of your own occupation. Your own occupation is covered for a specific period of time. Following this, the definition of total disability becomes the inability to perform any occupation for which you are reasonably suited based on your experience, education, or training. You are considered partially disabled if you are unable, due to an injury or illness, to perform the main duties of your regular occupation on a full-time basis. Partial Disability benefits may be payable if you are earning at least 20% of the income you earned prior to becoming disabled, but not more than 99%. Partial disability benefits allow you to work and earn income from your employer as well as continue to receive benefits, which may enable you to receive 100% of your income during your time of disability. If you return to work full-time but become disabled from the same disability within six months of returning to work, you will begin receiving benefits again immediately. Your benefit duration may be reduced if you become disabled after age 65. Any sickness or injury for which you have received medical treatment, consultation, care, or services (including diagnostic measures or the taking of prescribed medications) during the specified months prior to the coverage effective date. A disability arising from any such sickness or injury will be covered only if it begins after you have performed your regular occupation on a full-time basis for the specified months following the coverage effective date. You will not receive benefits in the following circumstances: Your disability is the result of a self-inflicted injury. You are not under the regular care of a doctor when requesting disability benefits. You were involved in a felony commission, act of war, or participation in a riot. Your benefits may be reduced if you are receiving benefits from any of the following sources: Any compulsory benefit act or law (such as state disability plans); Any governmental retirement system earned as a result of working for the current policyholder; Any disability or retirement benefit received under a retirement plan; Any Social Security, or similar plan or act, benefits; Earnings the insured earns or receives from any form of employment; Workers compensation; Salary continuance or employer contributions to an employer sponsored retirement plan. Termination This coverage will terminate when you terminate employment with this policyholder, or at your retirement. For assistance or additional information Contact Lincoln Financial Group at (800) or log on to NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describe the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations. GLM Rev. 4/09 LTD_Grp_Core Buy-Up

5 Group Long-Term Disability Insurance with Core Buy-Up Option SUMMARY OF BENEFITS Sponsored by: University of Dallas Semi-Monthly Buy-Up Premium Calculation John Doe is 35 and earns $2,500 per month. $2,500 x = $1.23 Semi-Monthly premium Attained Age Premium Factors Less than $ X = $ Your Monthly Salary * Premium Factor Your Semi-Monthly Cost *Maximum covered payroll is $8,333 monthly This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. GLM Rev. 4/09 LTD_Grp_Core Buy-Up

6 Voluntary Life Insurance with Accidental Death and Dismemberment(AD&D) SUMMARY OF BENEFITS Sponsored by: University of Dallas Life Spouse Dependent Amount Choice of $10,000 increments Not to exceed 5 times your salary. s age 70 and older, maximum benefit is $100,000. Choice of $5,000 increments must elect coverage for spouse to be eligible. Not to exceed 50% of employee elected amount. Minimum Amount $10,000 $5,000 $10,000 Maximum Amount $300,000 $50,000 $10,000 Guarantee Issue $150,000 under age 60 $50,000 age No Guarantee Issue age 70 and older $30,000 under employee's age 60 $10,000 employee's age $250 Child: 14 days to six months $10,000 Child: Six months to age 19 (to age 25 if full-time student) Newborn children to age 14 days are not eligible for a benefit. must elect coverage for dependent to be eligible. $10,000 AD&D Spouse Amount The benefit amount is equal to the life amount elected by you. Cost included in the schedule. Reduction Spouse s will reduce: 50% at age 70 and will terminate at age 80. Additional s See Definition: Accelerated Death Conversion Portability Seat Belt, Airbag, and Common Carrier Same as employee s terminate at employee age 70 or retirement, whichever occurs first. Eligibility Spouse and Dependents All full-time active employees working 30 or more hours per week in an eligible class are eligible for coverage. A delayed effective date will apply if the employee is not actively at work. Cannot be in a period of limited activity on the day coverage takes effect. ROLXCRO UNOFDALLAS UNJT5842HO /01/26

7 University of Dallas Semi-Monthly Premium Voluntary Life and AD&D Premium for sample benefit amounts and Spouse premiums are calculated separately. Refer to Program Specifications for your maximum benefit amounts. s and premium amounts reflect age reductions. AGE Semi- Monthly Rate per $1,000 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 < 30 $0.043 $0.43 $0.86 $1.29 $1.72 $2.15 $2.58 $3.01 $3.44 $3.87 $ $0.053 $0.53 $1.06 $1.59 $2.12 $2.65 $3.18 $3.71 $4.24 $4.77 $ $0.058 $0.58 $1.16 $1.74 $2.32 $2.90 $3.48 $4.06 $4.64 $5.22 $ $0.083 $0.83 $1.66 $2.49 $3.32 $4.15 $4.98 $5.81 $6.64 $7.47 $ $0.138 $1.38 $2.76 $4.14 $5.52 $6.90 $8.28 $9.66 $11.04 $12.42 $ $0.213 $2.13 $4.26 $6.39 $8.52 $10.65 $12.78 $14.91 $17.04 $19.17 $ $0.363 $3.63 $7.26 $10.89 $14.52 $18.15 $21.78 $25.41 $29.04 $32.67 $ $0.513 $5.13 $10.26 $15.39 $20.52 $25.65 $30.78 $35.91 $41.04 $46.17 $ $0.763 $3.82 $7.63 $11.45 $15.26 $19.08 $22.89 $26.71 $30.52 $34.34 $ $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $1.713 $8.57 $17.13 $25.70 $24.26 $42.83 $51.39 $59.96 $68.52 $77.09 $85.65 This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. Example: Use this formula to calculate premium for benefit amounts over $100,000. Age Semi-Monthly Rate Per $1,000 X In $1,000 s = Semi-Monthly Cost Example: 33 $0.053 X 150 = $7.95 X = Dependent Children Rate = $1.00 Semi-Monthly Premium covers all dependent children regardless of the number of children. ROLXCRO UNOFDALLAS UNJT5842HO /01/26

8 University of Dallas Spouse Semi-Monthly Premium Voluntary Life and AD&D Premium for sample benefit amounts and Spouse premiums are calculated separately. Spouse premiums will be calculated based on the s age. Refer to Program Specifications for your maximum benefit amounts. s and premium amounts reflect age reductions. AGE Semi- Monthly Rate per $1,000 $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 < 30 $0.043 $0.22 $0.43 $0.65 $0.86 $1.08 $1.29 $1.51 $1.72 $1.94 $ $0.053 $0.27 $0.53 $0.80 $1.06 $1.33 $1.59 $1.86 $2.12 $2.39 $ $0.058 $0.29 $0.58 $0.87 $1.16 $1.45 $1.74 $2.03 $2.32 $2.61 $ $0.083 $0.42 $0.83 $1.25 $1.66 $2.08 $2.49 $2.91 $3.32 $3.74 $ $0.138 $0.69 $1.38 $2.07 $2.76 $3.45 $4.14 $4.83 $5.52 $6.21 $ $0.213 $1.07 $2.13 $3.20 $4.26 $5.33 $6.39 $7.46 $8.52 $9.59 $ $0.363 $1.82 $3.63 $5.45 $7.26 $9.08 $10.89 $12.71 $14.52 $16.34 $ $0.513 $2.57 $5.13 $7.70 $10.26 $12.83 $15.39 $17.96 $20.52 $23.09 $ $0.763 $3.82 $7.63 $11.45 $15.26 $19.08 $22.89 $26.71 $30.52 $34.34 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A This is an estimate of premium cost. Actual deductions may vary slightly due to rounding and payroll frequency. Dependent Children Rate = $1.00 Semi-Monthly Premium covers all dependent children regardless of the number of children. ROLXCRO UNOFDALLAS UNJT5842HO /01/26

9 Definitions Accelerated Death AD&D Conversion Guarantee Issue Limited Activity Portability Seat Belt, Airbag, Common Carrier Term Life Exclusion: Suicide Additional s BeneficiaryConnect SM TravelConnect SM Accelerated Death provides an option to withdraw a percentage of your life insurance coverage when diagnosed as terminally ill (as defined in the policy). The death benefit will be reduced by the amount withdrawn. To qualify, you have satisfied the Active Work rule and have been covered under this policy for the required amount of time as defined by the policy. Check with your tax advisor or attorney before exercising this option. Accidental Death and Dismemberment (AD&D) insurance provides specified benefits for a covered accidental bodily injury that directly causes dismemberment (e.g., the loss of a hand, foot, or eye). In the event that death occurs from a covered accident, both the life and the AD&D benefit would be payable. If you terminate your employment or become ineligible for this coverage, you have the option to convert all or part of the amount of coverage in force to an individual life policy on the date of termination without Evidence of Insurability. Conversion election must be made within 31 days of your date of termination. For timely entrants enrolled within 31 days of becoming eligible, the Guarantee Issue amount is available without any Evidence of Insurability requirement. Evidence of Insurability will be required for any amounts above this, for late enrollees or increase in insurance, and it will be provided at your own expense. A period when a spouse or dependent is confined in a health care facility; or, whether confined or not, is unable to perform the regular and usual activities of a healthy person of the same age and sex. If coverage has been in force for at least 12 months, you may continue coverage for a specified period of time after your employment by paying the required premium. Portability is available if you cease employment for a reason other than total disability or retirement. A written application must be made within 31 days of your termination. If you die as a result of a covered auto accident while wearing a seat belt or in a vehicle equipped with an airbag, benefits are payable up to $10,000 or 10% of the principal sum, whichever is less. If loss occurs for you due to an accident while riding as a passenger in a common carrier, benefits will be double the amount that would otherwise apply as outlined in the certificate. Coverage provided to the designated beneficiary upon the death of the insured. Coverage is provided for the time period that you are eligible and premium is paid. There is no cash value associated with this product. s will not be paid if the death results from suicide within two years after coverage is effective. May apply if employee contributes toward the premium. Support services for beneficiaries who have experienced a loss. Travel assistance services for employees and eligible dependents traveling more than 100 miles from home. For assistance or additional information Contact Lincoln Financial Group at (800) or log on to NOTE: This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that describes the benefits in greater details. Should there be a difference between this summary and the contract, the contract will govern Lincoln National Corporation Group Insurance products are issued by The Lincoln National Life Insurance Company (Ft. Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group companies. Product availability and/or features may vary by state. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely responsible for its own financial and contractual obligations. ROLXCRO UNOFDALLAS UNJT5842HO /01/26

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