Guardian Accident Insurance Overview

Watch our video How accident insurance can get you back on your feet. Accident insurance Accidents happen. With accident insurance, you can help them hurt a bit less. Accident insurance is an extra layer of protection that gives you a cash payment to help cover out-of-pocket expenses when you suffer an unexpected, qualifying accident. Who is it for? Nobody can predict when an accident might happen. That’s why accident insurance is an important add-on policy for people who want to supplement the health and disability insurance coverage they already have individually or through an employer. What does it cover? Accident insurance pays you lump sum benefits after an accident happens. This could be a severe burn, broken bone or emergency room visit. Our accident insurance policies also offer an increased benefit that pays extra for children injured while playing an organized sport like soccer, baseball, lacrosse, or football. Thechild must be covered at thetime the accident occurred and be 18 yearsofageor younger. Why should I consider it? Health coverage may become more expensive, with higher co-pays, premiums, and deductibles. Accident insurance can be a simple, affordable way to help supplement and cover additional expenses your health and disability insurance may not cover, including x-rays, ambulance services, deductibles, and even things like rent or groceries. Plus, accident insurance is portable and payments are made directly to you. Added support during recovery Amandabreaks herlegfallingoffher bike andneeds emergencytreatment. Average non-surgical broken leg treatment expense: $2,500 Average Major Medical deductible: $1,500 Major Medical covers 80% of the surgical cost after the deductible is met, but Amanda’s still responsible for 20%: $200 Totalout-of-pocketamountfor Amanda(deductible + coinsurance): $1,700 Amanda’s Guardian Accident policy pays her a benefit of $1,700, which covers all of her out-of-pocket expenses. This example is forillustrative purposes only. Yourplan’s coverage mayvary. See yourplan’s information on the followingpages forspecific amounts anddetails. You willreceive these benefits ifyou meetthe conditions listedin the policy. GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America AesopIntermediateLLC Kit created 12/05/2022 ALL ELIGIBLE EMPLOYEES Groupnumber:00554984 2021-117413 (03/23) 29

GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of America AESOPINTERMEDIATELLC Kit created 12/05/2022 ALL ELIGIBLE EMPLOYEES Groupnumber:00554984 Your accident coverage ACCIDENT COVERAGE - DETAILS Your Monthly premium $5.45 You and Spouse $8.90 You and Child(ren) $9.27 You, Spouse and Child(ren) $12.72 Accident Coverage Type On and Off Job Portability - Allows you to take your Accident coverage with you if you terminate employment. Included ACCIDENTAL DEATH AND DISMEMBERMENT Benefit Amount(s) Employee $10,000 Spouse $5,000 Child $5,000 Catastrophic Loss Quadriplegia, Loss of speech & hearing (both ears), Loss of Cognitive function: 100% of AD&D Hemiplegia & Paraplegia: 50% of AD&D Common Carrier 200% of AD&D benefit Common Disaster 200% of Spouse AD&D benefit Dismemberment - Hand, Foot, Sight Single: 50% of AD&D benefit Multiple: 100% of AD&D benefit Dismemberment - Thumb/Index Finger Same Hand, Four Fingers Same Hand, All Toes Same Foot 25% of AD&D benefit Seatbelts and Airbags Seatbelts: $10,000 & Airbags: $15,000 Reasonable Accommodation to Home or Vehicle $2,500 WELLNESS BENEFIT - Per Year Limit $50 Child(ren) Age Limits Children age birth to 26 years FEATURES Air Ambulance $500 Ambulance $100 Burns (2nd Degree/3rd Degree) 9 sq inches To 18 sq inches: $0/$1,000 18 sq inches To 35 sq inches: $500/$2,000 Over 35 sq inches: $1,500/$6,000 Burns - Skin Graft 50% of burn benefit Child Organized Sport - Benefit is paid if the covered accident occurred while your covered child, age 18 years or younger, is participating in an organized sport that is governed by an organization and requires formal registration to participate. 25% increase to child benefits Coma $5,000 Concussion Baseline Study $25 Concussions $50 30

Your accident coverage GUARDIAN® is a registered trademark of The Guardian Life Insurance Companyof America AESOPINTERMEDIATELLC Kit created 12/05/2022 ALL ELIGIBLE EMPLOYEES Groupnumber:00554984 FEATURES (Cont.) Diagnostic Exam (Major) $50 Dislocations Schedule up to $2,000 Doctor Follow-Up Visits $25, up to 6 treatments Emergency Room Treatment $100 Eye Injury $100 Fractures Schedule up to $3,000 Gun Shot Wound $250 Hospital Admission $500 Hospital Confinement $100/day - up to 1 year Hospital ICU Admission $1,000 Hospital ICU Confinement $200/day - up to 15 days Initial Dr. Office/Urgent Care Facility Treatment $50 Laceration Schedule up to $200 Medical Appliance—Wheelchair, motorized scooter, leg or back brace, cane, crutches, walker, walking boot that extends above the ankle or brace for the neck. Schedule up to $300 Outpatient Therapies $25/day, up to 10 days Surgery (Cranial, Open Abdominal, Thoracic, Hernia) Max Schedule up to $750 Hernia: $150 Surgery (Exploratory or Arthroscopic) $200 Tendon/Ligament/Rotator Cuff 1: $250 2 or more: $500 X - Ray $15 UNDERSTANDING YOUR BENEFITS: • Common Carrier – Benefit is paid if an insured's death occurs due to an accident while riding as a fare-paying passanger in a public conveyance. If this is paid, we do not pay the Accidental Death benefit. • Common Disaster – Benefit is paid if both you & your spouse die in a covered accident or separate covered accidents within the same 24 hour period. • Reasonable Accomodation – Benefit is payable if a modification is required to an insured's place of residence or vehicle due to an Accidental Dismemberment or Catastrophic loss. • Emergency Room Treatment – Benefit is paid only when an insured is examined or treated within 72 hours of a covered accident. 31

Your accident coverage GUARDIAN® is a registered trademark of The Guardian Life Insurance Companyof America AESOPINTERMEDIATELLC Kit created 12/05/2022 ALL ELIGIBLE EMPLOYEES Groupnumber:00554984 LIMITATIONS AND EXCLUSIONS: A SUMMARY OF ACCIDENT LIMITATIONS AND EXCLUSIONS: Employees must be working in the United States in order to be eligible for coverage. Underwriting must approve coverage for employees on temporary assignment: (a) exceeding 1 year; or (b) in an area under travel warning by the US Department of State, subject to state specific variations. This proposal summarizes the major features of the Guardian Accident benefit plan. It is not intended to be a complete representation of the proposed plan. For full plan features, including exclusions and limitations, please refer to your Policy. This proposal is hedged subject to satisfactory financial evaluation. We don’t pay benefits for any Injury caused by or related to directly or indirectly: Sickness, disease, mental infirmity or medical or surgical treatment; the covered person being legally intoxicated; declared or undeclared war, act of war, or armed aggression; service in the armed forces, National Guard, or military reserves of any state or country; taking part in a riot or civil disorder; commission of, or attempt to commit a felony; intentionally self-inflicted Injury, while sane or insane; suicide or attempted suicide, while sane or insane; travel or flight in any kind of aircraft, including any aircraft owned by or for the policyholder, except as a fare-paying passenger on a common carrier; participation in any kind of sporting activity for compensation or profit, including coaching or officiating; riding in or driving any motor-driven vehicle in a race, stunt show or speed test; participation in hang gliding, bungee jumping, sail gliding, parasailing, parakiting, ballooning, parachuting, zorbing or skydiving; an accident that occurred before the covered person is covered by this plan; injuries to a dependent child received during birth; voluntary use of any poison, chemical, prescription or non-prescription drug or controlled substance unless: (1) it was prescribed for a covered person by a doctor, and (2) it was used as prescribed. In the case of a non-prescription drug, this Plan does not pay for any Accident resulting from or contributed to by use in a manner inconsistent with package instructions. "Controlled substance" means anything called a controlled substance in Title II of the Comprehensive Drug Abuse Prevention and Control Act of 1970, as amended from time to time. Job related or on the job injuries for the employee are excluded if Accident coverage is off job only. Contract # GP-1-ACC-18 If Accident insurance premium is paid for on a pre tax basis, the benefit may be taxable. Please contact your tax or legal advisor regarding the tax treatment of your policy benefits. Guardian’s Accident Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. This policy provides Accident insurance only. It does not provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE –THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS. Policy Form # GP-1-AC-BEN-12, et al., GP-1-LAH-12R; GP-1-ACC-18 32