Welcome to YouDecide YOUR VOLUNTARY BENEFITS PROGRAM

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1 Welcome to YouDecide YOUR VOLUNTARY BENEFITS PROGRAM

2 Welcome to your voluntary benefits program. If you have a question or need assistance, you can speak with a YouDecide advisor by calling :00 a.m. to 7:00 p.m. (EST), Monday - Friday, or advisor@youdecide.com. Starting on January 1, 2018, YouDecide will offer the Voluntary Benefits Program; a platform providing you with a single destination for enrolling in voluntary insurance products and accessing hundreds of new discounted consumer offers. We are excited to offer this optional enhanced benefit to you and your family. What are Voluntary Benefits? Voluntary Benefits are a new suite of associate-paid benefit programs that provide CarMax associates with discounted group-rate pricing not available to the consumer market. This suite of programs has been selected to complement the core benefits provided by CarMax as optional tools to help you protect your earnings and savings. CarMax has selected YouDecide to provide you with a single destination portal for enrolling in voluntary insurance products. This portal is accessed outside of Workday and will be available starting January 1, How can they help me? Programs such as Critical Illness, Accident, and Hospital Insurance all provide a cash payment, paid directly to you, when you experience covered event. These programs provide you with a financial safety-net that helps pay for your out-of-pocket costs associated with a covered event. You have the option to cover just yourself, a spouse and/or dependents. Coverage is guaranteed, which means you never have to answer medical questions. To make this even easier, your premiums are paid through a convenient payroll deduction so you don t need to worry about monthly payments. Should you decide to change jobs or retire, you can take the program with you! How easy is that? The insurance programs and discounts described here are not endorsed, offered or sponsored by CarMax. These programs are entirely voluntary. If you choose to enroll in one or more of these voluntary programs or otherwise purchase the vendor s product, all terms and conditions, including discounts, are between you and the insurance company or discount provider. Participation is completely voluntary. No contributions are made by CarMax and CarMax has not engaged these providers. Instead, CarMax has selected YouDecide to provide you with access to these programs and discounts. All questions regarding the terms and conditions of these programs should be directed to the insurance or discount provider and not to CarMax. All premiums and fees for programs in which you choose to enroll are due from you, but CarMax will permit applicable premiums to be paid through payroll deduction on an after-tax basis. YouDecide is permitted to publicize the programs to you. CarMax does not receive any consideration in the form of cash or otherwise in connection with these insurance programs and discounts. 1 YouDecide 2017

3 YouDecide gives you access to programs that help you manage out-of-pocket expenses for planned life events (and for life s surprises that you don t always expect). VOLUNTARY BENEFITS OPEN TO ENROLL - JANUARY 15-31, 2018 COVERAGE EFFECTIVE STARTING MARCH 1, 2018 ACCIDENT INSURANCE Provides you with a cash payment to cover out-of-pocket expenses you may incur as a result of an accident. CRITICAL ILLNESS INSURANCE Provides you with a cash payment to cover out-of-pocket expenses when related to a heart attack, stroke, cancer, kidney failure, or other covered conditions. HOSPITAL INDEMNITY Provides a cash payment to offset out-of-pocket expenses associated with a covered hospital stay complementing your health insurance coverage. COMING SOON - MARCH 1, 2018 COMMONBOND Payoff your student loans faster with a lower interest rate. CommonBond provides you with a dedicated customer service team who is committed to making your student loan experience as painless as possible. INFOARMOR IDENTITY THEFT A few simple steps can reduce your exposure and protect you and your family. Identity theft insurance protects your financial information, credit, social media accounts, and much more. METLIFE AND TRAVELERS AUTO, HOME AND RENTERS INSURANCE Side-by-side comparison quotes allow you to compare estimates from top-rated providers and select the one that s best for you. 2

4 Accident Insurance What are the odds? Accidents are stressful enough on their own. Knowing that you have secured additional coverage above and beyond your medical plan makes accidental injuries less stressful. Benefits for Accident Insurance are distributed directly to you in a cash payment once you have incurred expenses related to a covered injury. This gives you the ability to choose where the money needs to be applied to cover your most urgent expenses. Payments are distributed once a claim has been submitted. Coverage is available for spouses/domestic partners and eligible dependents. Premiums are based on the tier of coverage you choose, (associate only, associate plus spouse or domestic partner, associate plus children or family coverage). Coverage is guaranteed, so you never have to undergo medical underwriting, exams or tests to participate. This program is only available for enrollment during the CarMax Open Enrollment window, January 15-31, Coverage is effective starting March 1, What s covered? For detailed plan information please refer to Initial Doctors Office Initial Hospital Admission Lacerations Ruptured Disc Emergency Room Daily Confinement Benefit Eye injury (foreign body / surgical) Torn Knee Cartilage Follow Up Office Initial ICU Admission Concussion Burns Physical Therapy ICU Daily Confinement Benefit Emergency Dental Extraction Prosthesis X-Rays Inpatient Rehabilitation Benefit Tendon & Ligament Dislocations & Fractures This voluntary policy is intended to supplement (not replace) promary medical coverage. This policy does not constitute minimum essential coverage under the Affordable Care Act (ACA), including the ACA individual mandate. 3

5 How does it work? Aflac s Accident Insurance pays cash directly to you to cover out-of-pocket expenses you may incur as a result of an accident, such as deductibles, copays, transportation to/from medical centers, childcare and more. It s insurance for daily living. You injure your leg playing pick-up basketball and go to the hospital via ambulance. You have an X-ray and the emergency room doctor diagnoses you with a fracture and treats you. You leave the hospital on crutches and will require 3 follow-up visits with a doctor. $1,675 Here s a sample of benefit payments you would receive if you should trip while playing basketball. Ambulance $200 Emergency Room and X-rays $125 Short observation period $25 Fractured Leg (Closed) $1,200 Three Follow Up Visits $25 $75 Appliances (Crutches) $50 Receiving a cash payment gives you the ability to choose where to apply the money to cover your most urgent expenses. Benefits are distributed once a claim has been submitted and paid out based on your schedule of benefits and the services received. Coverage is also available for eligible dependents. Premiums are based on the coverage tier selected. Total Accident Benefit Plan Pays $1,675 Bi-Weekly Premium Rates For detailed plan information please refer to Coverage Level Premium Associate $3.06 Associate + Spouse $4.78 Associate + Child(ren) $4.96 Family $6.68 Is this program for me? Do you have children under the age of 18? Is your family active? Do you have funds readily available to offset your medical expenses? If you are out of work for a period of time, will your disability payments cover your living expenses? 4

6 Critical Illness Insurance Focus on your health, not your medical expenses. Critical Illness Insurance pays a lump sum cash benefit, up to $15,000, upon the diagnosis of a covered illnesses including, Cancer, Heart Attack, Stroke, Major Organ Failure, Renal Failure and Coronary Artery By-Pass Surgery. This allows you to choose where the money needs to be applied for your most urgent expenses. Associates may elect to extend coverage to eligible family members as well. Premiums are based on age and coverage tier. Spouse and Domestic Partner premium rates are the same as associate rates, and children up to the age of 26 are covered at 100% with no extra cost. This program is only available for enrollment during the CarMax Open Enrollment window, January 15-31, Coverage is effective starting March 1, Is this program for me? Do you have family history for cancer, heart disease or other critical conditions? Do you have funds readily available to offset your medical expenses? If you became disabled from a covered critical illness, would you need to dip into savings to pay for your day-to-day living expenses (rent, mortgage, car payments, insurance, child care)? What s covered? For detailed plan information please refer to Cancer (Internal or Invasive) Sudden Cardiac Arrest Paralysis** Benign Brain Tumor Heart Attack Non-Invasive Cancer Loss of Sight** Advanced Alzheimer s Disease Major Organ Transplant Coronary Artery Bypass Surgery Loss of Hearing** Advanced Parkinson s Disease Kidney Failure (End-Stage Renal Failure) Coma** Loss of Speech** Amyotrophic Lateral Sclerosis (ALS) Stroke Burns* Skin Cancer Multiple Sclerosis Bone Marrow Transplant (Stem Cell Transplant) Paralysis** 5 *This benefit is only payable for burns due to, caused by, and attributed to, a covered accident. **These benefits are payable for loss due to a covered underlying disease or a covered accident.

7 $ How does it work? Aflac Critical Illness is an insurance plan designed to pay you up to a $15,000 post-tax cash benefit if you or a covered family member are diagnosed with a covered illness. Annual Wellnes Benefit Aflac will pay $50 for health screening tests performed as the result of preventive care, including tests and diagnostic procedures ordered in connection with routine examinations. This benefit is payable for the covered associate and spouse, once per calendar year. This benefit is not paid for dependent children. For detailed plan information please refer to You are experiencing chest pains and go to the emergency room. The doctor diagnosis you with a heart attack. $15,000 Bi-Weekly Premium Rates For detailed plan information please refer to Payout Options AFLAC Critical Illness (Bi-Weekly) Premium Rates for $15,000 Attained Age Associate Associate + Spouse $2.03 $ $2.44 $ $3.15 $ $4.53 $ Initial Benefit: An Initial Benefit is payable when an insured is diagnosed for the first time for a covered condition after the effective date. 2. Recurrence Benefit: A Recurrence Benefit is payable when an insured is diagnosed with the same covered condition more than one time. 3. Second Occurrence Benefit: A Second Occurrence Benefit is payable when an insured is diagnosed with a separate covered condition under the Critical Illness plan $6.27 $ $8.32 $ $13.12 $ $16.89 $ $25.27 $ $45.76 $ $45.76 $91.52 INSIDER TIP: It s helpful to have Critical Illness in addition to short term disability insurance because the benefit is payable in a lump sum upon diagnosis, so instead of relying on a weekly or bi-weekly disability check, you are receiving a lump sum payment that you can use for incurred but unpaid medical expenses, car payments, rent or insurance. Also, since you pay the premium with after tax dollars, the benefit you receive is tax-free. This voluntary policy is intended to supplement (not replace) promary medical coverage. This policy does not constitute minimum essential coverage under the Affordable Care Act (ACA), including the ACA individual mandate. 6

8 Hospital Insurance Peace of mind and real cash benefits Aflac s Hospital Insurance is designed to pay you cash benefits when you or a covered family member are admitted to the hospital due to a planned or unplanned event. There are no pre-existing condition limitations. For example, if you are currently pregnant and enroll in this plan, you will be eligible for payments for giving birth in a hospital after the 3/1/18 effective date. Any trip to the hospital can present you with unexpected costs. This plan pays an initial admission benefit of $1,000 and a daily confinement benefit of $150 for every day you, or a covered member, are hospitalized. Each hospital confinement will pay up to 31 days. This program complements your medical plan to help pay for out-of-pocket costs incurred during a hospital stay. You can use the cash amount to pay for your general living expenses, such as gas, food, or everyday bills. This program is only available for enrollment during the CarMax Open Enrollment window, January 15-31, Coverage is effective starting March 1, What s covered? For detailed plan information please refer to Initial Hospital Admission $1,000 Daily Hospital Confinement Benefit $150 Daily Intensive Care Unit Benefit $150 ICU Step Down Unit $62.50 Newborns are covered for free for the first 60 days from the date of birth. 7 This voluntary policy is intended to supplement (not replace) promary medical coverage. This policy does not constitute minimum essential coverage under the Affordable Care Act (ACA), including the ACA individual mandate.

9 You are experiencing a high fever for several days and go to the hospital. You are admitted to the hospital for 3 days. $1,450* Bi-Weekly Premium Rates For detailed plan information please refer to Coverage Level Premium Associate $8.20 Associate + Spouse $16.68 Associate + Child(ren) $13.02 Family $21.50 Is this program for me? Do you have planned inpatient surguries? Is your family expecting in the next calendar year? Can you afford your medical insurance deductible, should you have an unexpected hospital stay? *This is only an example. Amount payable was generated based on benefit amounts for: Hospital admission ($1,000), and daily confinement ($150). Individual reimbursement will vary. 8

10 Additional programs available beginning March 1, CommonBond Student Loan Refinancing InfoArmor Identity Theft Protection Auto, Home & Renters Insurance Additional information on these programs will be available begining January 1, Programs will open for enrollment March 1, 2018, and will be accessible year round. 9

11 CommonBond Pay off your student loans faster! You can simplify and save on your student debt by refinancing through CommonBond. You can consolidate your private and federal debts into one simple payment with rates starting at just 2.32% APR. There are no hidden fees - meaning no application fee, no origination fee and no pre-payment penalties. CommonBond combines a seamless technology platform with a dedicated customer service team who are committed to making your student loan experience as painless as possible. The average borrower saves $15,000 when they refinance with us, but you could earn an additional $100 cash back when your refinanced CommonBond loan is disbursed. 10

12 InfoArmor Identity Theft Protection Protect yourself and your family from the potential reputational and financial losses that results from identity theft. Cyber hacking and identity theft are one of the fastest growing crimes in the world. Understanding your risk for exposure and the effects it can have on your life are hard to understand for most people. Identity Theft Protection plans protect more than just your identity, they protect your credit records, bank information, social media accounts, and more. While the internet can pose complicated invisible threats to you and your family, protecting yourself should be simple. In the event of a breach, this program manages the time-consuming activity of identity restoration, protecting you from expenses, time loss, and liability of a compromised identity. DETECT & ALERT InfoArmor tracks and detects a wide range of threats and will alert you of any suspicious activity. RESTORE If you become a victim of identity theft while you are a member, InfoArmor will work with you from start to finish to help fix the issue. REIMBURSE InfoArmor will reimburse your out-of-pocket costs as a result of Identity Theft, up to $1,000,000. BI-WEEKLY PLAN RATES The family plan covers all family members under one roof or under one wallet with no age caps. Associate Family $4.59 $

13 Auto, Home & Renters Insurance Accidents happen - are you covered? Protecting your home, auto, and other personal property may be less costly than you think with insurance coverage available to you from two leading insurance providers: MetLife Auto & Home and Travelers. Compare quotes from these top-rated providers and select the one that s best for you. With the convenience of payroll deduction, there is no down payment, no more checks to write and you never have to worry about missing a payment. Buying auto & home insurance through CarMax provides you access to group rates that are not available in the individual market as well as the ability to compare costs among leading carriers. Some carriers also provide additional discounts based on your tenure with the company. Now, that s making auto, home & renters insurance easy and affordable! 12

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15 We re here to help! For addtional questions or support please reach out to speak with a YouDecide consumer advisor (M-F, 8am - 7pm ET) CLIENT ID CAR629 advisor@youdecide.com 14