SAIGE PARTNERS CONTINGENT BENEFITS

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1 SAIGE PARTNERS CONTINGENT BENEFITS

2 Saige Partners Summary of Employee Benefits Saige Partners believes employees are their most valuable asset, which is why we are committed to offer a benefit package that helps employees stay healthy, maintain a work/life balance, as well as offers convenient payment solutions and referral program. Stay Healthy Saige Partners offers a HealthBasic coverage plan for individual, spouse, and dependents, as well as Dental and Disability options. To become eligible for benefits, you must first complete 30 days of employment, averaging a minimum of 30 hours per week. Election and Enrollment Form included. Maintain Work/Life Balance Saige Partners offers both Paid Time Off and Holiday Time Off to their full-time employees. We know that providing opportunity to be with family and friends allows you personal time to rejuvenate so that you can be your best when at work. Convenient Payment Solutions Saige Partners offers two convenient payment solutions, Direct Deposit and rapid! PayCard. In addition, Saige Partners offers an online solution to review weekly paycheck stubs. Referral Program Saige Partners offers an easy Referral Program. We believe that some of the best recruits are people we already know and work with. This summary is intended for those persons interested in the scope of benefits that are either provided by or made available under the sponsorship of Saige Partners, LLC eligibility. The various benefit plan provisions are established jointly by third party providers of each benefit plan and Saige Partners, LLC. Eligibility and plan options are explained in the Plan Description document for each benefit plan. All benefits begin 60-days after date of hire.

3 Get help with basic and non-catastrophic medical expenses. HealthBasic is a fixed indemnity, limited-benefit accident and sickness insurance plan that provides immediate, first-dollar coverage for everyday medical expenses that are the result of covered illnesses and accidents. HealthBasic is not designed to cover major, catastrophic medical expenses. The fixed indemnity plan is designed to provide basic help for routine medical expenses like: doctor office visits, coverage for outpatient services including lab-tests/x-rays, and an additional benefit for outpatient accidents plus it also provides fixed indemnity payments for hospital confinement to help with a portion of inpatient expenses. Employees are eligible after completing 30 days of employment, averaging 30 hours a week. After completing of enrollment form, benefits are effective within 24 hours. Eligible employees are those regularly scheduled to work thirty (30) hours or more per week according to The Affordable Care Act. All premiums are deducted on a pre-tax basis (Section 125/Cafeteria Plan). Following is the benefit and rate information for the HealthBasic voluntary medical plans. Each insured member and each insured family member receives the following benefits each coverage year. 1. The Hospital Fixed Indemnity, Outpatient Accident-Only, Critical Illness and AD&D Benefit Plans are underwritten by AXIS Insurance Company. 2. The office visit pre-pay is a service through the First Health PPO Network. 3. The prescription copay is underwritten by an AM Best-Rated Company. 4. These services are not insurance and are not provided by the underwriting companies shown here. *Benefit amounts listed are for: Employee/Spouse/Child(ren) NOTICE The insurance described provides limited benefits. Limited benefits plans are insurance products with reduced benefits and are not intended to be an alternative to or integrated with comprehensive coverage. This insurance does not coordinate with any other insurance plan. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.

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5 The HealthBasic Dental Plan offers basic dental insurance coverage and is a limited-benefit dental insurance plan that provides coverage for the most commonly occurring dental expenses. The HealthBasic Dental Plan is not designed to provide comprehensive dental insurance coverage, but the schedule of benefits will help with routine dental expenses. Additional discounts may also be available at participating network dentists for procedures that are not listed as a covered expense. The HealthBasic Dental Plan provides members the opportunity to obtain services with dental professionals at an affordable price. Following is the benefit information for the HealthBasic voluntary dental plan for owners, employees and their family members. *Underwritten by AXIS Insurance Company.

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7 Paid Time Off Days (PTO) And Holidays: Full time employees qualify for 40 hours of vacation pay at their current hourly rate once they have completed 1,460 hours within a 12-month period and are reset after each 12-month cycle. To qualify for holiday pay, employees must work 960 hours in the 26 weeks leading up to the holiday and must work both scheduled workdays before and after the holiday. Saige Partners observes the following 6 holidays: New Year s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. NOTICE All paid time off and holidays must be communicated and pre-approved by both Saige Partners and the client for which you are positioned at.

8 Convenient Payment Solutions Saige Partners offers two convenient payment solutions, Direct Deposit and rapid! PayCard. Direct Deposit authorizes the employee s paycheck to be electronically transferred to their preferred financial institution checking or saving account. The rapid! PayCard solution electronically transfers the employee s paycheck to a personalized Debit Card that can be used at any location or ATM where MasterCard is accepted. In addition, Saige Partners offers an online solution to review weekly paycheck stubs. Referral Bonus Program Saige Partners offers a simple referral bonus program. For every referral provided, you will receive a $25 bonus to your weekly paycheck after the referral has completed a total of 160 hours and another $25 bonus after they completed a total of 320 hours. Speak to your Talent Acquisition Specialist today if you have a referral!

9 Saige Partners Election and Enrollment Form I elect the Ternian medical coverage (please complete enrollment details below) Medical Plan Medical Plan 2 Medical Plan 3 Single Employee/Spouse Employee/Children Family I waive health coverage for myself and/or dependents. Please select one of the following reasons: I (We) have other medical coverage I (we) do not wish to enroll in the medical plan I elect the Ternian Dental Coverage (please complete enrollment details below) Dental I want dental only Single Employee/Spouse Employee/Children Family I waive health coverage for myself and/or dependents. Please select one of the following reasons: I (We) have other dental coverage I (we) do not wish to enroll in the dental plan ENROLLMENT INFORMATION First Name M.I. Last Name Gender (M/F) Date of Birth Social Security Number Street Address City State Zip Phone Hire Date DEPENDENT INFORMATION (only if applicable): For more than three dependents attach additional sheet. Spouse/Child First Name M.I. Last Name Gender (M/F) Date of Birth Spouse/Child First Name M.I. Last Name Gender (M/F) Date of Birth Spouse/Child First Name M.I. Last Name Gender (M/F) Date of Birth

10 BENEFICIARY INFORMATION: Person who will receive benefits in the case of your death. You will be the beneficiary for dependents. First Name M.I. Last Name Gender (M/F) Relationship to You WARNING: IT IS A CRIME TO PROVIDE FALSE OR MISLEADING INFORMATION TO AN INSURER FOR THE PURPOSE OF DEFRAUDING THE INSURER OR ANY OTHER PERSON. PENALTIES INCLUDE IMPRISONMENT AND/OR FINES. IN ADDITION, AN INSURER MAY DENY INSURANCE BENEFITS IF FALSE INFORMATION MATERIALLY RELATED TO A CLAIM WAS PROVIDED BY THE APPLICANT. Employee s Signature Date Signed I understand this pre-tax premium election will remain the same for the policy time period of Oct 1, 2018 to Sept 30th 2019 unless a qualified life event occurs as outlined in the IRS guidelines. I authorize Saige Partners, to automatically deduct from my paycheck the full monthly cost of my insurance benefits as indicated above from one or more of my paychecks. The insurance is purchased in full month increments. As a convenience to the employee Saige Partners will divide the monthly cost into smaller payments based on the number of pay periods in the month. I have read the HealthBasic enrollment brochure, including the exclusions and limitations, and accept the terms and conditions of the coverages outlined in it. I understand fixed indemnity insurance plans are not considered creditable coverage under HIPAA and do not provide Major Medical or Comprehensive Medical coverage. I have read the enrollment brochure and understand my coverage is subject to the terms and conditions of the policy issued to my employer. I understand my coverage will go into effect on the date stated in the brochure only if I am in active service with my employer on that date. If I am not in active service on that date, my coverage will go into effect on the date I return to active service. If I have elected coverage for my dependents, their coverage will not go into effect prior to my effective date. I authorize my employer to deduct the required premium for the plan I have elected from my pay. To the best of my knowledge and belief, all information I have provided is true and complete. I understand my information is protected by privacy laws and will be released only in accordance with these laws. The only people who have access to this information are employees of the Insurance Company who service my policy or claim and other third parties authorized by the Insurance Company. Information may be disclosed to those who have an insurance-related regulatory or legal need for the information. In other situations, the Insurance Company will ask me for written authorization to disclose information about me.