EMPLOYEE

BENEFITS 2019

Medical Vision Short-Term Disability

Dental Life and AD&D Long-Term Disability
EAP 401k FSA/HSA
NATIONAL
Table of Contents

Page Number Section

3 How to Enroll, Contact Information

4 Eligibility

5 Medical Insurance

6 Telehealth & myCigna.com

7 myCigna Mobile App & MotiveMe

8 Finding a Provider

9 Tips on Selecting Healthcare

10 Reducing Your Medical Plan Costs

11 Prescription Drug Costs

12 Health Savings Account (HSA)

13 Flexible Savings Account (FSA)

14 Dental and Vision Insurance

15 Life and AD&D Insurance

16 Disability Insurance

17 Employee Assistance Program & Additional Benefits

18 401(K)

19 Working Advantage

26 Annual Notices
 How to Enroll & Contacts

HOW TO ENROLL
• Log in to the Ultipro payroll and benefit portal
 MyPRMI>My Tools>Ultipro
 Use your MyPRMI credentials
 Follow the instructions listed on how to enroll
Contact HRBenefits@primeres.com with any questions
CONTACTS
Vendor Name Contact Info
(800) 255-2792 x1000048
Human Resources Primary Residential Mortgage, Inc.
hrbenefits@primeres.com
Medical
(800) 244-6224
Dental Cigna
www.mycigna.com
Vision
Life and AD&D
Long Term Disability (800) 877-5176
Mutual of Omaha
Short Term Disability www.mutualofomaha.com

Employee Assistance
(866) 346-5800
HSA Banking Administrator HealthEquity
www.healthequity.com
(866) 451-3399
FSA Administrator Discovery Benefits
www.discoverybenefits.com
Equity Trust
(888) 382-4727
www.trustetc.com
Equity Trust
401(k) Epic Advisors
Epic Advisors (585) 232-9060
www.epic1st.com or
Online enrollment at
www.go-retire.com/equitytrust
Stacy Ketcham
Sr. Client Executive Benefit Commerce Group (480) 515-5010
stacy@benefitcommerce.com

Benefits provided through

This Guide serves as your Summary of Material Modifications (SMM) to the Primary Residential Mortgage, Inc., Health & Welfare benefit plan
effective 1/1/2019.

3
 Eligibility

WELCOME!
Primary Residential Mortgage, Inc. offers you and your family a comprehensive and valuable benefits package!
To get the most out of your benefits please review this Guide and and your plan documents on myprmi.

This Guide is only a summary of our benefits. Please refer to actual plan documents for complete information. If
there are differences between this Guide and the policy document, the policy document will prevail.

◼ Are You Eligible?

Yes, if you’re a full-time employee you are eligible for benefits. Full-time employees work an average of 30 or more hours
per week. New hires are eligible for benefits to be effective on or after the 1st of the month following 60 days of full-
time employment, with the exception of the 401(k). For the 401(k), you are eligible if you are at least 18 years old and
work at least 20 hours per week. The 401(k) eligibility is effective on the first day of the next quarter following 90 days
from your date of hire. For example, January 1, April 1, July 1, October 1.

◼ Covering Your Family Members

You can enroll the following family members for medical,
dental and vision coverage at the same time you enroll:
• Your legal spouse
• Your certified domestic partner
• Your child(ren), spouse’s child(ren) or domestic
partner’s child(ren) up to age 26

◼ When & How to Sign Up

Open enrollment is held for a limited time each year. New hires
will receive notification of eligibility, including dates for the
limited enrollment window.
To enroll: Log in to your UltiPro payroll and benefit portal and
follow the instructions on how to enroll.

◼ Can I Change My Decisions Later?

Once you have enrolled, you cannot make changes to your
benefits until the next open enrollment period—UNLESS you
have a “Qualifying event,” which includes things like:

• Marriage, divorce or legal separation

• Birth or adoption of a child
• Change in child’s dependent status
• Death of a spouse, child or other qualified dependent
• Change in employment status or a change in coverage under another employer-sponsored plan

*If you qualify to change benefits, you must submit your request to the Benefit Department within 30 days of the qualifying
event. Documentation (such as birth certificate or marriage license) is required.
 Medical Insurance

MEDICAL INSURANCE — CIGNA

Primary Residential Mortgage, Inc. is pleased to offer our eligible employees a choice of quality medical plans.
Network: Your network is the Open Access Plus network. When you select in-network providers, your plan pays more.

Benefit Highlights
PPO 2000 PPO 4000 HDHP 2700 HDHP 5000

Deductible Individual: $2,000 Individual: $4,000 Individual: $2,700 Individual: $5,000

(Calendar Year) Family: $4,000 Family: $8,000 Family: $5,400 Family: $10,000

Coinsurance You pay: 30% You pay: 30% You pay: 20% You pay: 0%
(After Deductible is reached) Plan pays: 70% Plan pays: 70% Plan pays: 80% Plan pays: 100%

Out-of-Pocket Maximum
(Calendar Year) Individual: $6,000 Individual: $6,350 Individual: $5,400 Individual: $5,950
Includes deductible, coinsurance Family: $12,000 Family: $12,700 Family: $10,800 Family: $11,900
and copays (that you pay)
Primary: no cost to you Primary: no cost to you
You pay: 20% You pay: 0%
Telemedicine: no cost Telemedicine: no cost
Physician Office Visit Plan pays: 80% Plan pays: 100%
to you to you
(after deductible) (after deductible)
Specialist: $55 copay Specialist: $55 copay

You pay: 30% You pay: 30% You pay: 20% You pay: 0%
Inpatient & Outpatient
Plan pays: 70% Plan pays: 70% Plan pays: 80% Plan pays: 100%
Services
(after deductible) (after deductible) (after deductible) (after deductible)

You pay: 20% You pay: 0%

Emergency Room $250 copay $250 copay Plan pays: 80% Plan pays: 100%
(after deductible) (after deductible)
You pay: 20% You pay: 0%
Urgent Care $55 copay per visit $55 copay per visit Plan pays: 80% Plan pays: 100%
(after deductible) (after deductible)
Non-Preventive Tier 1: $15 copay Tier 1: $15 copay
Tier 1: $15 copay Tier 1: $15 copay
Prescription Drugs Tier 2: $35 copay Tier 2: $35 copay
Tier 2: $35 copay Tier 2: $35 copay
Medicare Part D: Creditable Tier 3: $65 copay Tier 3: $65 copay
Tier 3: $65 copay Tier 3: $65 copay
90-day at 2.5x copay listed Tier 4: $100 copay Tier 4: $100 copay
Tier 4: $100 copay Tier 4: $100 copay
(not available for Tier 4) (after deductible) (after deductible)
Preventive Prescriptions:
(see 2019 preventive list
No cost to you for No cost to you for No cost to you for No cost to you for
available on myCigna or
Tiers 1 and 2 Tiers 1 and 2 Tiers 1 and 2 Tiers 1 and 2
myprmi.com for a list of
eligible prescriptions)

NOTE: In-network amounts are shown. See Summary of Benefits & Coverage (SBC) for out-of-network benefits and more details.

Our offer of health insurance includes minimum value coverage and meets the affordability standards of the Affordable Care
Act.
The PPO $4000 plan is not available in Massachusetts. Out of network benefits vary in FL, GA, IL, and WI. 5
 Telehealth & myCigna.com

TELEHEALTH – AMWELL & MDLIVE (THROUGH CIGNA TELEH EALTH CONNECTION)

Care When You Need It

As part of your enrollment in the Cigna medical plan, you now have access to two telehealth services—AmWell and MDLIVE.
Cigna Telehealth Connection lets you get the care you need – including most prescriptions – for a wide range of minor
conditions. Now you can connect with a board-certified doctor via secure video chat or phone, without leaving your home or
office. When, where and how it works best for you!

Quality medical care is available 24 hours a day, 7 days a week and 365 days per year throughout the United States.

For minor medical care, telehealth is the least expensive and most convenient option. Now you don’t have to spend hours
traveling to and from or waiting in a hospital Emergency Room, Urgent Care or Pharmacy Clinic for minor medical needs.
In most cases, telehealth is perfect for treatment of:
 Sore Throat  Fever  Rash
 Headache  Cold & Flu  Acne
 Stomachache  Allergies  UTIs and more

How it works

1) Set up and create an account with one or both AmWell and MDLIVE

2) Complete a medical history using their “virtual clipboard”

3) Download vendor apps to your smartphone/mobile devices

AmWellforCigna.com MDLIVEforCigna.com
855-667-9722 888-726-3171

myCigna.com Features
Once you register on myCigna.com, you can log in anytime, anywhere to:

 Manage and track claims 24/7/365  Review your coverage

 View ID card information  Track your account balances and deductibles

 Check HSA/HRA balances in your  Refill your prescription drugs online and
account check order status with Cigna Home Delivery
 Find doctors and compare cost and PharmacySM
quality
 myCigna Mobile App & Motivate Me

myCigna Mobile App

The myCigna Mobile App will have more detailed information on your medical, dental and vision benefits
and claim information. Download the myCigna Mobile App and have access to:
 Manage and track claims
 View, fax or email ID card information
 Find doctors and compare cost and quality ratings
 Review your coverage
 Track your account balances and deductibles
 Refill your Cigna Home Delivery Pharmacy prescriptions online and view order history
 Compare prescription drug prices at thousands of pharmacies in Cigna’s network

MOTIVATEME: HEALTHY ACTIONS, HEALTHY REWARDS!

2019 Goal Incentive Amount

Complete Online Health Assessment $50

Validated Biometric Screening $50

Preventive Screening — up to four incentives per year $25 each

Lifestyle Telephonic Health Coaching $50

Chronic Condition Telephonic Health Coaching $100

Online coaching program– up to two incentives per year $25 each

Health Pregnancy, Health Babies (dependent on trimester enrolled) $150 first, $75 second

Annual Total Potential For 2019: $350

Earn incentives for participating in programs to improve your health, such as:

• Weight loss • Healthy eating • Increasing exercise • Controlling stress • Quitting tobacco

—> Go to mycigna.com for more details on how to participate and access incentive rewards.
If you think you might be unable to meet a standard for a reward under this wellness program, you might qualify for
an opportunity to earn the same reward by different means. Contact us at hrbenefits@primeres.com and we will
work with you (and, if you wish, with your doctor) to find a wellness program with the same reward that is right for
you considering your health status.

*If the wellness program you select will collect medical information, please review the Notice Regarding Wellness Program in
the Legal Notices section of this benefit guide.

7
 Finding A Provider

FINDING A PROVIDER .

Medical (Physicians, Hospitals, Other Facilities and Pharmacies), Dental (Dentists, Orthodontists)

Cigna Online Provider Directory: Visit www.cigna.com before you receive your ID card. Visit www.mycigna.com
thereafter.

1. Click ‘Find A Doctor, Dentist or Facility’ (top right corner of the home page)

2. Either choose ‘Cigna Customer’ (if you are currently enrolled in our medical plan) and login to mycigna.com OR
‘Not a Cigna Customer Yet?’ (if you are not currently enrolled in our medical plan)

3. If you are currently not enrolled, choose ‘Plans through your employer or school’

4. Enter your ‘Search Location’ (City, State or Zip Code)

5. Under ‘Select a Plan’, click ‘Pick’ and choose your medical network and/or dental network.

• Medical Network: ‘Open Access Plus, OA plus, Choice Fund OA Plus’

• Dental Network: ‘Cigna DPPO Advantage/Cigna DPPO’

6. Enter your search criteria and click the magnifying glass

Vision Insurance Providers (Use Medical Provider Search for the Medical Vision Benefit)

Cigna Online Provider Directory: Visit www.cigna.com before you receive your ID card. Visit www.mycigna.com
thereafter.

1. Click ‘Find A Doctor, Dentist or Facility’ (top right corner of the home page)

2. Scroll down to ‘Additional Directories’

3. Click on ‘Cigna Vision Directory’

4. Enter your search criteria and click ‘Search’

 Tips on Selecting Healthcare

HOW TO SAVE MONEY: SHOPPING FOR HEALTHCARE

 Use MyCigna.com to help you plan your budget:

• Compare cost and quality of hospitals, clinics and providers.
• Research treatment options and out-of-pocket cost estimates.
• Learn about medical conditions and medications.
• Explore health articles and videos.

Examples: Range of Price In-Network Price Variance

Primary Care (1st visit, adult) $45 $170 3X
Lab Test– Lipid Panel $10 $392 39X
X-Ray (Wrist, Foot, Pelvis) $15 $626 41X
MRI– Lower Back $182 $2,121 11X

 Confirm that the provider is still in-network & accepting new patients.
Check with the provider and/or your health plan network before you make an appointment. Why?
• Occasionally, there are network changes; providers may move in- or out-of-network.
• There are times when a provider is part of the network, but may not be accepting new patients for services.

 Use appropriate medical facilities for care needed.

Use a hospital emergency room only for real emergencies/critical care. Otherwise, use urgent care or convenience care
facilities, or call telehealth. Why?
• Cost savings can be substantial.

 Use generic prescription medicines when possible & check prices at pharmacies before you
buy OR use mail order for a convenient way to purchase your maintenance medications!
• The cost differences can be tremendous.
• Where you shop can mean savings, too.

 Check your bills and insurance explanation of benefits (EOB). Why?

Mistakes can happen, even when you have had excellent medical care. ALWAYS check to assure:
• You are billed for actual services received.
• No errors in type of care or amount of care received.
• In-network discounts are applied.
• Deductible and any copays or coinsurance are applied correctly.

9
 Reducing Your Medical Plan Costs

Wellness Program Disclosure

Premium Discount for Being Tobacco-Free
Your health plan is committed to helping you achieve your
 Tobacco use is the single most preventable cause of
best health. Rewards for participating in a wellness
death in the U.S. Being tobacco-free and free of
program are available to all employees. If you think you
secondhand smoke reduces the risk of cardiovascular might be unable to meet a standard for a reward under
disease, stroke, lung cancer, and other related this wellness program, you might qualify for an
conditions. opportunity to earn the same reward by different means.
 Primary Residential Mortgage, Inc. awards medical Contact us at HR Benefits Department at 800-255-2792
x1000048, and we will work with you (and, if you wish,
plan members and their covered spouses or
with your doctor) to find a wellness program with the
domestic partners who are tobacco-free with a
same reward that is right for you in light of your health
medical premium discount of $50.00 per month.
status.
 The Tobacco-Free Affidavit (available via the online
enrollment system) must be completed by the To register for the Cigna Tobacco Cessation Program and
employee and any enrolled spouse/domestic partner for additional smoking cessation information, please
contact our HR Benefits Department at 800-255-2792
in order to receive the reduction in 2019 medical x1000048.
contributions.

To receive the $50.00 per month reduction:

1. You, and any enrolled spouse/domestic partner, must

each certify that you have been tobacco-free for the past
3 months. Individuals are considered tobacco users if they
use any form of tobacco products, including but not
limited to: cigarettes, cigars, pipes, nicotine-filtered
e-cigarettes, dipping, chewing tobacco, snuff or inhaled
products.

2. An employee or enrolled spouse/domestic partner

who currently uses tobacco products may choose to
participate in the Cigna Tobacco Cessation Program to
receive the $50.00/month premium reduction. The
reduced premium rate will go into effect once the
employee and/or spouse/domestic partner registers for
the Cigna Tobacco Cessation Program. To register for the
cessation program, please select the appropriate box on
the Tobacco Affidavit, sign and return to Human
Resources via fax or email.
The Tobacco-Free Affidavit must be completed and
turned in to our HR Benefits Department, by close of
business on December 29, 2018, in order to receive the
discount.
 Prescription Drug Costs

PRESCRIPTION DRUG COSTS

PLEASE NOTE: All of our medical plan choices provide you significantly lower out-of-pocket costs when you use
generic medications.

 Extra Savings on Preventive Medications when you use:

￭ specified generic OR preferred brand name prescriptions for
preventive care of specified health conditions, you have NO
out-of-pocket costs.

See the Cigna Preventive Drug List at mycigna.com for covered preventive
medications. Only medications on this list apply to this Preventive
Prescription Drug Benefit—when prescribed for the chronic medical
conditions listed below:
￭ Hypertension ￭ High cholesterol
￭ Diabetes ￭ Asthma
￭ Osteoporosis ￭ Stroke
￭ Prenatal nutrient deficiency

 Mail-Order Prescription Drugs

For maintenance medications (prescription medicines that you use on a regular, ongoing basis), consider using the
mail-order program to fill these prescriptions—for your convenience.
￭ No trip to the pharmacy ￭ Order a 90-day supply

What Should I Understand about Prescription Drugs?

Generic Drugs: Same active ingredients, strength and dosage as brand name counterpart. While may have differ-
ent shape, color, packaging, etc., the FDA (Food and Drug Administration) requires that generics meet same
requirements for quality, strength, purity and potency. Usually cost 30—75% less than brand.

Brand Drugs: Protected by a patent and manufactured by a specific drug company.

Preferred Brand: Sometimes a brand drug is manufactured by one company, but branded and distributed by many.
Insurer selects one source to be the Preferred Brand.

Non-Preferred Brand: Generally have generic alternatives and/or one or more Preferred Brand medication options
within the same class of medication. You will typically pay more for Non-Preferred Brand medications on our medical
plans.

11
 HSA

HEALTH SAVINGS ACCOUNT (HSA)

If you elect our HDHP 2700 plan or the HDHP 5000 plan and you are HSA-eligible, you can contribute to a Health Savings Account
(HSA) to help you pay for and save for medical expenses on a pre-tax basis. The two PPO copay plan choices are not HSA-qualified.
You must enroll or re-enroll in your HSA each year at PRMI
To assure that we are correctly depositing the funds you want into your HSA, PRMI requires that
you re-enroll in your HSA each year. You select the amount you want deducted from payroll and
deposited into your HSA. Dollars previously deposited in your HSA remain in your account and
remain yours. You can change your HSA payroll deduction contribution amount at any time
during the year; just contact your HR Benefits Department.

Benefits of an HSA
The money you contribute to your HSA is yours, as an employee-owned savings account, funded
through pre-tax payroll deduction amounts that you elect. HSAs offer triple tax savings: The
money you put in is tax-free. Interest on your savings grows tax-free. Any money you take out to
pay for eligible medical expenses is income-tax-free (There is a penalty and regular tax treatment
of any funds you withdraw for anything other than eligible medical expenses). NOTE: State tax
treatment of HSAs varies. Go to www.healthequity.com or consult your state’s Department of
Revenue to find out more.

How you use your HSA funds is up to you:

You can use the funds to pay for medical, dental & vision expenses and much more. You can
save the funds for future medical expenses, including expenses during retirement. You can use
your HSA funds to pay for qualified healthcare expenses for yourself, your legal spouse and your
IRS dependents regardless if they are covered by your medical plan.
NOTE: Your HSA funds cannot be used for medical expenses of a child covered on your insurance
plan IF the child is not a dependent on your tax return. A covered child who is not a dependent on
your tax return can set up his/her own HSA, funding it separately—not through payroll deduction.

Who Is Eligible to Contribute to an HSA?

You must meet the following requirements: Covered by PRMI’s High Deductible Health Plan (our HDHP 5000). Not be claimed as a dependent on
another person's tax return. Not be covered by other health insurance that is not an HDHP. This means you, as the employee, are not covered:

• By spouse's medical or pharmacy plan

• Through Medicare Part A or Part B, Part D, a Medicare Advantage plan or Medicaid
• Through your or a spouse’s Healthcare Flexible Spending Plan (FSA)
• Through Tricare or have received Veterans Administration (VA) benefits in the most recent 90-day period, UNLESS you have a service-
connected disability.

How much can I contribute to my HSA?

The federal government sets annual maximum contributions for HSAs each year. Your contribution maximum is determined by the tier of the medical
plan in which you enroll: If you are only covering yourself, you are on single coverage. If you enroll in the medical plan for any tier other than single
[plus spouse, plus child(ren) or family], you can contribute up to the family coverage maximum. The 2019 annual contribution limits are: $3,500 for
single coverage ($50 higher than 2018). $7,000 for family coverage ($100 higher than 2018).
Those age 55 or older are eligible to make an additional catch-up contribution of $1,000 annually. If your spouse is covered on your HDHP plan, is
HSA-eligible, and age 55 or older, your spouse also can contribute up to the $1,000 annual catch-up amount. However, your spouse must set up a
separate HSA account and fund it through direct deposits, not through your payroll deductions. Your elected contributions are made over 24 pay
periods, or if enrolled during the year, the remaining pay periods with deductions. You will NOT have your full 2019 election in your account on
January 1st or the date you are first eligible for benefits.

Opening your HSA

During the 2019 plan year your HSA administrator is HealthEquity. HealthEquity will mail you a welcome kit within 10 business days of the activa-
tion of your account.

Using your HSA

The list of eligible expenses is defined by the IRS and includes a wide range of medical, dental, vision and other eligible expenses. A complete
list is published annually in IRS Publication 502, “Medical and Dental Expenses”, available on the IRS website at www.irs.gov.
 Flexible Spending Account (FSA)
FLEXIBLE SPENDING ACCOUNT
You can pay for certain expenses during the year with
pre-tax dollars, by using Flexible Spending Accounts
(FSAs). At PRMI, you have available three types of FSAs:
￭ Healthcare FSA – for out-of-pocket medical, dental
and vision expenses. Employees enrolled in one of
PRMI’s medical plans are eligible. (Not available to
those contributing to an HSA)
￭ Limited FSA – for out-of-pocket dental and vision
expenses only (not medical). Employees enrolled
in one of PRMI’s HDHP medical plans are eligible.
(Is available to those also contributing to an HSA)
￭ Dependent Care FSA – for child care expenses
for children under 13 and/or physically or
mentally disabled dependents. You do not need
to be enrolled in one of PRMI’s medical plans to
be eligible.
FSA enrollment is required each year. Previous and
current elections will not automatically rollover.
During your enrollment period, you decide how much to
deposit into your FSA account(s).
￭ Your annual amount will be deducted evenly
during the calendar year 24 pay periods, or if
enrolled during the year, the remaining pay
periods with deductions.
￭ Your contribution is taken before taxes.
￭ The amount of your payroll contribution to your
FSA cannot be changed unless you have a
specific change of status, such as marriage
status, employment change or dependent
change. Please contact our HR Benefits
Department within 30 days of any change in
status at 800-255-2792 x1000048.
￭ The amount you elect during enrollment is fully
loaded onto your FSA debit card, when you
receive it. The full amount is deposited to your
account January 1, 2019, or on your benefit
effective date.
HOW CAN I VIEW MY ACCOUNT?
You can manage your FSA account at www.discoverybenefits.com.
To create your online account, click the login button and select
Reimbursement Accounts.
OTHER FSA RULES
￭ Our Healthcare and Limited FSAs have a $500 rollover
provision to the next plan year; any amounts over $500 that
are not used during the plan year will be forfeited. As an
example, if you elected $2,000 and have a balance after the
end of the plan year of $600, $500 will rollover to the next
plan year. The other $100 will be forfeited.
￭ The Dependent Care FSA does not allow rollover to the
next year. Any funds unused during the plan year are
forfeited.
￭ There is an administration fee that will be included in each
payroll that the contributions are withheld. This amount will
be $2.10 per pay period for 24 pay periods per year, or if
enrolled during the year, the remaining pay periods with
deductions.
￭ You have 90 days after the end of the plan year to submit
any claims for reimbursement. Rollovers will occur after
March 31, 2019, to accommodate any run-out claims for
the 2018 plan year.
￭ If your employment terminates for any reason, your FSA
account is subject to certain rules and may be terminated.
This is a federal law set by the IRS. See www.IRS.gov for
more information.
Healthcare FSA
In 2019, you can set aside up to $2,700 in pretax dollars to help
pay most out-of-pocket medical, dental or vision expenses,
including deductibles and copayments, eyeglasses, dental and
orthodontic work.
13
 Dental and Vision Insurance

DENTAL INSURANCE — CIGNA

In addition to protecting your smile, dental insurance helps pay for dental care and includes regular checkups, cleanings
and X-rays. Several studies suggest that oral diseases, such as periodontitis (gum disease), can affect other areas of your
body—including your heart. Receiving regular dental care can protect you and your family from the high cost of dental
disease and surgery.

Benefit Highlights
Cigna Low PPO Cigna High PPO

Preventive Services 100% Covered

Deductible Individual: $50 - Family: $150 Individual: $50 - Family: $150
Your Pay: 20% - Plan Pays: 80% Your Pay: 20% - Plan Pays: 80%
Basic Services (After Deductible) (After Deductible)
Your Pay: 50% - Plan Pays: 50% Your Pay: 50% - Plan Pays: 50%
Major Services (After Deductible) (After Deductible)
Annual Maximum $1,250 per covered individual

Orthodontia You Pay: 50% - Plan Pays: 50% (No Deductible)

(Child only through age 25) Up to $1,000 Lifetime Orthodontia Maximum

VISION INSURANCE — CIGNA

Driving to work, reading a news article and watching TV are all activities you likely perform every day. Your ability to do
all of these activities, though, depends on your vision and eye health. Vision insurance can help you maintain your vision
as well as detect various health problems.

Benefit Highlights
Frequency In-Network Benefits

Eye Exam Once every 12 months Covered at 100% after $10 copay

Lens
Single Vision
Lined Bifocal Once every 12 months Covered at 100% after $25 copay
Lined Trifocal
Lenticular

Frames Once every 24 months Up to $150 allowance

Contacts
Once every 12 months Elective- Up to $150 allowance
(in lieu of frames & lenses)
 Life and AD&D Insurance

LIFE INSURANCE AND AD&D — M U T UA L O F O M A H A

How much life insurance do you need?

Protecting your family’s financial security is important. Life insurance
helps you plan ahead for your financial responsibilities.

Your family has a lot of expenses to consider:

• Monthly mortgage or rent payments

• Car payments and other loans

• Daily living expenses (utilities, food, transportation)
• Education costs for children/grandchildren

Your list is probably even longer than this. You can search online for a
“life insurance calculator” to help you decide how much life insurance you need.
Knowing your loved ones have a financial safety net is important for your own
peace of mind.

Basic Life and AD&D - COST FOR EMPLOYEE IS FULLY PAID BY PRIMARY RESIDENTIAL MORTGAGE, INC.

It’s important that our employees have some level of financial protection. That’s why we provide eligible employees
with Basic Life and Accidental Death & Dismemberment (AD&D) coverage at no cost to you.
All eligible employees receive guaranteed coverage in the amount of: $20,000.
‘

Important Note: Be sure HR has your up-to-date beneficiary information.

Voluntary Life Insurance – YOU PAY THE FULL COST

You can purchase additional life insurance to provide more financial protection for your family.
• For you: Up to a maximum of 7X annual earnings in $10,000 increments with a maximum of $500,000. No
medical questions for coverage up to $400,000 at initial enrollment. Above that amount requires medical
information and completion of Evidence of Insurability form through Mutual of Omaha.

• For your spouse: Up to $300,000 in $10,000 increments. No medical questions for coverage up to $50,000
at initial enrollment. Above that amount requires medical information and completion of evidence of
insurability form through Mutual of Omaha.

• For your child(ren): Up to $10,000 in $2,000 increments. Can cover all your children.

The costs are outlined on your myprmi portal. If you are disabled or have questions about eligibility, please discuss with
HR.

15
 Disability Insurance

DISABILITY INSURANCE — M U T UA L O F O M A H A
If you were to be out of work due to an injury or an illness,
could you survive without a paycheck?

Short-Term Disability and Long-Term Disability are offered to all eligible employees. If elected, you pay the full cost of
this voluntary coverage through payroll deductions.

Disability insurance is paycheck insurance. This ensures you will receive a portion of your income if you were out of
work due to injury or illness. Short-Term Disability provides a weekly benefit, whereas Long-Term Disability will pay a
monthly benefit after Short-Term Disability has been exhausted. See below for more information on the plans.

Short-Term Disability Long-Term Disability

Short-Term Disability (STD) offers a weekly

Long-Term Disability (LTD) offers a monthly
benefit to help replace lost
benefit to help replace lost income if you
income beginning on the 8th day of an acci-
experience a disability lasting longer
dent or sickness, for up to 13 weeks or until
than 90 days.
a doctor releases you to return to work.

60% of your weekly earnings to a 60% of monthly earnings to a

Benefit Amount
maximum benefit of $1,000 per week maximum benefit of $5,000 per month

When Do Benefits Accident– 8th day

91st day
Begin? Sickness—8th day

If disability occurs under age 60-

How Long Are Accident—13 weeks payable till 65,
Benefits Paid? Sickness—13 weeks If disability occurs over age 60-
See schedule in plan document for details
 EAP and Additional Benefits

EMPLOYEE ASSISTANCE PROGRAM (EAP) — M U T UA L O F O M A H A

We understand that life happens and sometimes you may need help finding resources or someone to talk to
about personal concerns pertaining to legal, health, and financial matters. PRMI believes that having resources
at your fingertips is important and is offering an Employee Assistance Program to all employees, regardless of
enrollment in the medical plan.
◼ The EAP is a free service offered through Mutual of Omaha to employees and anyone residing in the
employee’s home
◼ EAP services connect people with reliable resources for information and support regarding a wide range of
personal concerns, including:
• Emotional well-being
• Family and relationships
• Legal and financial matters
• Healthy lifestyles
• Work and life transitions
◼ This service is available 24 hours a day, 365 days a year.
One toll-free number gives you access to experienced
professionals.
◼ Call (800) 316-2796
◼ A language access line is available for help in languages other than English
◼ Online access to helpful resources: www.mutualofomaha.com/eap

WILL PREPARATION
As part of the Legal Assistance through your EAP, you have access to two options for preparing or updating your will:
◼ Free online step-by-step legal document program:
• Go to www.mutualofomaha.com/eap
• Click on ’Resources’ then ’Will Preparation’ under Legal Assistance
◼ LegalZoom, an assisted document preparation services offered at a reduced rate
• Go to www.clcdocprep.com & use discount code CLC888

TRAVEL ASSISTANCE & IDENTITY THEFT ASSISTANCE

You and dependents traveling with you, when 100 or more miles away from home, or outside of your home country,
can obtain emergency medical, travel, and personal security assistance 24 hours a day, anywhere in the world. Identity
Theft Assistance bundled with this Travel Assistance provides additional peace of mind. You can find out more about
this benefit by contacting Travel Assistance directly at 1-800-856-9947.

17
 401(K)

401(k) Loans: Employees are allowed to borrow up to 50% of

401(K) vested amounts and may hold a maximum of two loans. 401(k)
To help you save for your retirement and have more control over loans are repaid via payroll deduction. Employees with loans who
planning for your future, PRMI offers two 401(k) plan options terminate, either voluntarily or otherwise, become responsible
through Equity Trust/Epic Advisors, Inc.: for tax implications of the loan for the year in which they
terminate based upon the outstanding balance, as it is viewed as
￭ Pre-tax traditional 401(k). Taxes are paid upon withdrawal taxable income.
when you use those funds during retirement.
￭ Post-tax Roth 401(k). Withdrawals during retirement are
tax-free. Accessing Your 401(k) Account

A 401(k) plan is a defined contribution plan where an employee
can make contributions from his or her paycheck. The
contributions go into a 401(k) account, with the employee
choosing the investments based on options provided under the
plan. Eligible employees may make changes to investments and
percent of contribution throughout the year.
PRMI also partially matches your contributions up to a certain
percentage (outlined below).
You will have 24-hour online access to obtain important
information and make changes to your retirement account.
Here are the specific steps you need to access your
account online:
1. Log onto https://www.go-retire.com/equitytrust
2. Click the Participant Login on the left side.

3. Select Plan Participant in the Login As panel. On the new

Eligibility: You must be over the age of 18 and work a minimum screen, enter your User ID
of 20 hours per week. Enrollment into the plan is the first of the
quarter following the 90-day waiting period. (i.e., your Social Security Number if first time user) and your
Initial Personal Identification Number
￭ Enrollment is quick and easy, online via Equity Trust, go-
retire.com. (i.e., your Date of Birth - mmddyyyy) and click on the Login
￭ You will have a 7 calendar day enrollment period to elect or button.
waive after receiving your enrollment email.
4. Select your Plan and view any Plan Messages
￭ If you do not waive, there is an automatic enrollment of 2% of
the employee’s gross income into the 401(k) plan.
You also have access to a Voice Response System by calling 800-
716-3742. You can use the automated system to get account
PRMI Matching Contribution: PRMI will match a maximum of
50% of the first 4% of the employee’s contribution. The employer information or you may opt to talk to a representative Monday
match will not exceed 2%. through Friday, from 8:00 a.m.– 8:00 p.m. ET.

Examples:
￭ Employee contributes 1%, PRMI will match 0.5%
￭ Employee contributes 2%, PRMI will match 1%
Auto Enrollment
￭ Employee contributes 4% or more, PRMI will match 2%
When first eligible you will be automatically
Vesting: Your payroll deducted contribution is 100% yours. Once enrolled for a contribution of 2% of your
you reach your two year service anniversary the company gross income.
matching dollars are yours as you will be 100% vested.
You can waive this enrollment within 7
Employee Contributions: Eligible employees may contribute up to calendar days after receiving your enrollment
100% of their compensation, in increments of 1%. A maximum
employee contribution of $19,000 is allowed by the IRS for the email. You can also increase or decrease the
2019 calendar year. amount of your contribution at any time.

Employees over the age of 50 may elect to contribute an

additional $6,000 as part of a “Catch-Up” plan.
Working Advantage

19
 Annual Notices and Other Disclosures

SPECIAL ENROLLMENT RIGHTS

If you are declining enrollment for yourself or your dependents (including your spouse) because of other health insurance or group
health plan coverage, you may be able to enroll yourself and your dependents in this plan if you or your dependents lose eligibility
for that other coverage (or if the employer stops contributing toward your or your dependents’ other coverage). However, you must
request enrollment within 30 days after your or your dependents’ other coverage ends.

In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement for adoption, you may be able to en-
roll yourself and your dependents. However, you must request enrollment within 30 days after the marriage, birth, adoption, or
placement for adoption.

To request special enrollment or obtain more information, contact:

Primary Residential Mortgage, Inc.

Human Resources
1480 N. 2200 W. Salt Lake City, UT 84116
800-255-2792 x1000048

WOMEN’S HEALTH AND CANCER RIGHTS ACT DISCLOSURE

If you have had or are going to have a mastectomy, you may be entitled to certain benefits under the Women’s Health and Cancer
Rights Act of 1998 (WHCRA). For individuals receiving mastectomy-related benefits, coverage will be provided in a manner deter-
mined in consultation with the attending physician and the patient, for:

• All stages of reconstruction of the breast on which the mastectomy was performed;
• Surgery and reconstruction of the other breast to produce a symmetrical appearance;
• Prostheses; and
• Treatment of physical complications of the mastectomy, including lymphedema.

These benefits will be provided subject to the same deductibles and coinsurance applicable to other medical and surgical benefits
provided under this plan. Therefore, the deductibles and coinsurance shown in the Medical section of this guide apply. If you would
like more information on WHCRA benefits, call your plan administrator 800-255-2792 x1000048.

NEWBORNS’ AND MOTHERS’ HEALTH PROTECTION ACT DISCLOSURE

Group health plans and health insurance issuers generally may not, under Federal law, restrict benefits for any hospital length of
stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96
hours following a cesarean section. However, Federal law generally does not prohibit the mother’s or newborn’s attending provider,
after consulting with the mother, from discharging the mother or her newborn earlier than 48 hours (or 96 hours as applicable). In
any case, plans and issuers may not, under Federal law, require that a provider obtain authorization from the plan or the insurance
issuer for prescribing a length of stay not in excess of 48 hours (or 96 hours).
 Annual Notices and Other Disclosures

IMPORTANT NOTICE FROM

PRIMARY RESIDENTIAL MORTGAGE, INC.
ABOUT YOUR PRESCRIPTION DRUG COVERAGE AND MEDICARE

Please read this notice carefully and keep it where you can find it. This notice has information about your current prescription
drug coverage with Primary Residential Mortgage, Inc. and about your options under Medicare’s prescription drug coverage.
This information can help you decide whether or not you want to join a Medicare drug plan. If you are considering joining, you
should compare your current coverage, including which drugs are covered at what cost, with the coverage and costs of the plans
offering Medicare prescription drug coverage in your area. Information about where you can get help to make decisions about
your prescription drug coverage is at the end of this notice.

There are two important things you need to know about this plan’s coverage and Medicare’s prescription drug coverage:
1. Medicare prescription drug coverage became available in 2006 to everyone with Medicare. You can get this coverage if you join
a Medicare Prescription Drug Plan or join a Medicare Advantage Plan (like an HMO or PPO) that offers prescription drug coverage.
All Medicare drug plans provide at least a standard level of coverage set by Medicare. Some plans may also offer more coverage
for a higher monthly premium.
2. Primary Residential Mortgage, Inc. has determined that the prescription drug coverage offered by Primary Residential Mortgage,
Inc.’s Cigna plan is, on average for all plan participants, expected to pay out as much as standard Medicare prescription drug cover-
age pays and is therefore considered Creditable Coverage.

Because your existing coverage is Creditable Coverage, you can keep this coverage and not pay a higher premium (a
penalty) if you later decide to join a Medicare drug plan.

When Can You Join A Medicare Drug Plan?

You can join a Medicare drug plan when you first become eligible for Medicare and each year from October 15th to December 7th.

However, if you lose your current creditable prescription drug coverage, through no fault of your own, you will also be eligible for a
two (2) month Special Enrollment Period (SEP) to join a Medicare drug plan.

What Happens To Your Current Coverage If You Decide to Join A Medicare Drug Plan?
If you decide to join a Medicare drug plan, your current Primary Residential Mortgage, Inc. coverage will be affected. If you keep
both your group coverage and also enroll in a Medicare Part D Plan, the group plan will coordinate with Part D coverage. If you do
decide to join a Medicare drug plan and drop your current Primary Residential Mortgage, Inc. group health plan coverage, be
aware that you and your dependents may not be able to get this coverage back.

21
 Annual Notices and Other Disclosures

When Will You Pay A Higher Premium (Penalty) To Join A Medicare Drug Plan?
You should also know that if you drop or lose your current coverage with Primary Residential Mortgage, Inc. and don’t join a Medi-
care drug plan within 63 continuous days after your current coverage ends, you may pay a higher premium (a penalty) to join a
Medicare drug plan later. If you go 63 continuous days or longer without creditable prescription drug coverage, your monthly pre-
mium may go up by at least 1% of the Medicare base beneficiary premium per month for every month that you did not have that
coverage. For example, if you go 19 months without creditable coverage, your premium may consistently be at least 19% higher
than the Medicare base beneficiary premium. You may have to pay this higher premium (a penalty) as long as you have Medicare
prescription drug coverage. In addition, you may have to wait until the following October to join.

Remember: Keep this Creditable Coverage notice. If you decide to join one of the Medicare drug plans, you may be required to
provide a copy of this notice when you join to show whether or not you have maintained creditable coverage and, therefore,
whether or not you are required to pay a higher premium (a penalty).

For More Information about This Notice Or Your Current Prescription Drug Coverage…
Contact the person listed below for further information. NOTE: You’ll get this notice each year. You will also get it before the next
period you can join a Medicare drug plan, and if this coverage through Primary Residential Mortgage, Inc. changes. You also may
request a copy of this notice at any time.

For More Information about Your Options Under Medicare Prescription Drug Coverage…
More detailed information about Medicare plans that offer prescription drug coverage is in the “Medicare & You” handbook. You’ll
get a copy of the handbook in the mail every year from Medicare. You may also be contacted directly by Medicare drug plans.

For more information about Medicare prescription drug coverage:

• Visit www.medicare.gov
• Call your State Health Insurance Assistance Program for personalized help
• Call 1-800-MEDICARE (1-800-633-4227) TTY users should call 1-877-486-2048

October 12, 2018

Primary Residential Mortgage, Inc.
Human Resources
1480 N. 2200 W. Salt Lake City, UT 84116
800-255-2792 x1000048
 Annual Notices and Other Disclosures

PREMIUM ASSISTANCE UNDER MEDICAID AND THE

CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP)

If you or your children are eligible for Medicaid or CHIP and you’re eligible for health coverage from your employer, your state
may have a premium assistance program that can help pay for coverage, using funds from their Medicaid or CHIP programs. If
you or your children aren’t eligible for Medicaid or CHIP, you won’t be eligible for these premium assistance programs but you
may be able to buy individual insurance coverage through the Health Insurance Marketplace. For more information, visit
www.healthcare.gov.
If you or your dependents are already enrolled in Medicaid or CHIP and you live in a State listed below, contact your State
Medicaid or CHIP office to find out if premium assistance is available.

If you or your dependents are NOT currently enrolled in Medicaid or CHIP, and you think you or any of your dependents might
be eligible for either of these programs, contact your State Medicaid or CHIP office or dial 1-877-KIDS NOW or
www.insurekidsnow.gov to find out how to apply. If you qualify, ask your state if it has a program that might help you pay the
premiums for an employer-sponsored plan.

If you or your dependents are eligible for premium assistance under Medicaid or CHIP, as well as eligible under your employer
plan, your employer must allow you to enroll in your employer plan if you aren’t already enrolled. This is called a “special en-
rollment” opportunity, and you must request coverage within 60 days of being determined eligible for premium assistance.
If you have questions about enrolling in your employer plan, contact the Department of Labor at www.askebsa.dol.gov or call
1-866-444-EBSA (3272).

If you live in one of the following states, you may be eligible for assistance paying your employer health plan premiums.
The following list of states is current as of July 31, 2018. Contact your State for more information on eligibility.

ALABAMA – Medicaid FLORIDA – Medicaid

Website: http://myalhipp.com/ Website: http://flmedicaidtplrecovery.com/hipp/

Phone: 1-855-692-5447 Phone: 1-877-357-3268

ALASKA – Medicaid
The AK Health Insurance Premium Payment Program
Website: http://myakhipp.com/
Phone: 1-866-251-4861
Email: CustomerService@MyAKHIPP.com
GEORGIA – Medicaid
Website: http://dch.georgia.gov/medicaid
- Click on Health Insurance Premium Payment (HIPP)
Phone: 404-656-4507

Medicaid Eligibility: http://dhss.alaska.gov/dpa/Pages/

medicaid/default.aspx

23
 Annual Notices and Other Disclosures

ARKANSAS – Medicaid INDIANA – Medicaid

Website: http://myarhipp.com/
Phone: 1-855-MyARHIPP (855-692-7447)
Healthy Indiana Plan for low-income adults 19-64
Website: http://www.in.gov/fssa/hip/
Phone: 1-877-438-4479
All other Medicaid
Website: http://www.indianamedicaid.com

Phone 1-800-403-0864
COLORADO – Health First Colorado (Colorado’s Medicaid
Program) & IOWA – Medicaid

Health First Colorado Website: https:// Website:

www.healthfirstcolorado.com/
http://dhs.iowa.gov/hawk-i

Health First Colorado Member Contact Center:

Phone: 1-800-257-8563
1-800-221-3943/ State Relay 711
CHP+: Colorado.gov/HCPF/Child-Health-Plan-Plus
CHP+ Customer Service: 1-800-359-1991/
KANSAS – Medicaid NEW HAMPSHIRE – Medicaid
Website: http://www.kdheks.gov/hcf/ Website: https://www.dhhs.nh.gov/ombp/nhhpp/

Phone: 1-785-296-3512 Phone: 603-271-5218

Hotline: NH Medicaid Service Center at 1-888-901-4999
KENTUCKY – Medicaid NEW JERSEY – Medicaid and CHIP
Website: https://chfs.ky.gov Medicaid Website:
http://www.state.nj.us/humanservices/
Phone: 1-800-635-2570
dmahs/clients/medicaid/

Medicaid Phone: 609-631-2392

CHIP Website: http://www.njfamilycare.org/index.html

CHIP Phone: 1-800-701-0710

LOUISIANA – Medicaid NEW YORK – Medicaid
Website: http://dhh.louisiana.gov/index.cfm/subhome/1/ Website: https://www.health.ny.gov/health_care/
n/331 medicaid/

Phone: 1-888-695-2447 Phone: 1-800-541-2831

MAINE – Medicaid NORTH CAROLINA – Medicaid
Website: http://www.maine.gov/dhhs/ofi/public- Website: https://dma.ncdhhs.gov/
assistance/index.html
Phone: 919-855-4100
Phone: 1-800-442-6003
TTY: Maine relay 711
 Annual Notices and Other Disclosures

MASSACHUSETTS – Medicaid and CHIP NORTH DAKOTA – Medicaid

Website: http://www.mass.gov/eohhs/gov/departments/ Website: http://www.nd.gov/dhs/services/medicalserv/
masshealth/ medicaid/

MINNESOTA – Medicaid OKLAHOMA – Medicaid and CHIP

Website: Website: http://www.insureoklahoma.org

https://mn.gov/dhs/people-we-serve/seniors/health-care/ Phone: 1-888-365-3742

health-care-programs/programs-and-services/other-
insurance.jsp

Phone: 1-800-657-3739
MISSOURI – Medicaid OREGON – Medicaid
Website: http://www.dss.mo.gov/mhd/participants/ Website: http://healthcare.oregon.gov/Pages/index.aspx
pages/hipp.htm
http://www.oregonhealthcare.gov/index-es.html
Phone: 573-751-2005

MONTANA – Medicaid PENNSYLVANIA – Medicaid

Website: http://dphhs.mt.gov/ Website: http://www.dhs.pa.gov/provider/
MontanaHealthcarePrograms/HIPP medicalassistance/
healthinsurancepremiumpaymenthippprogram/index.htm
Phone: 1-800-694-3084

NEBRASKA – Medicaid RHODE ISLAND – Medicaid

Website: http://www.ACCESSNebraska.ne.gov Website: http://www.eohhs.ri.gov/

Phone: (855) 632-7633 Phone: 855-697-4347

Lincoln: (402) 473-7000
Omaha: (402) 595-1178
NEVADA – Medicaid SOUTH CAROLINA – Medicaid
Medicaid Website: http://dhcfp.nv.gov Website: https://www.scdhhs.gov

Medicaid Phone: 1-800-992-0900 Phone: 1-888-549-0820

SOUTH DAKOTA - Medicaid WASHINGTON – Medicaid

Website: http://dss.sd.gov Website: http://www.hca.wa.gov/free-or-low-cost-health-
care/program-administration/premium-payment-program
Phone: 1-888-828-0059

TEXAS – Medicaid WEST VIRGINIA – Medicaid

Website: http://gethipptexas.com/ Website: http://mywvhipp.com/

Phone: 1-800-440-0493 Toll-free phone: 1-855-MyWVHIPP (1-855-699-8447)

25
 Annual Notices and Other Disclosures

UTAH – Medicaid and CHIP WISCONSIN – Medicaid and CHIP

Medicaid Website: https://medicaid.utah.gov/ Website:
https://www.dhs.wisconsin.gov/publications/p1/p10095.pdf
CHIP Website: http://health.utah.gov/chip
Phone: 1-800-362-3002

VERMONT– Medicaid WYOMING – Medicaid

Website: http://www.greenmountaincare.org/ Website: https://wyequalitycare.acs-inc.com/

Phone: 1-800-250-8427 Phone: 307-777-7531

VIRGINIA – Medicaid and CHIP
Medicaid Website: http://www.coverva.org/
programs_premium_assistance.cfm

Medicaid Phone: 1-800-432-5924

CHIP Website: http://www.coverva.org/
programs_premium_assistance.cfm

CHIP Phone: 1-855-242-8282

To see if any other states have added a premium assistance program since October 22, 2018, or for more in-
formation on special enrollment rights, contact either:
U.S. Department of Labor U.S. Department of Health and Human Services
Employee Benefits Security Administration Centers for Medicare & Medicaid Services
www.dol.gov/ebsa www.cms.hhs.gov
1-866-444-EBSA (3272) 1-877-267-2323, Menu Option 4, Ext. 61565
 Annual Notices and Other Disclosures

NOTICE REGARDING WELLNESS PROGRAM

Primary Residential Mortgage Inc.’s is a voluntary wellness program available to all employees. The program is administered ac-
cording to federal rules permitting employer-sponsored wellness programs that seek to improve employee health or prevent dis-
ease, including the Americans with Disabilities Act of 1990, the Genetic Information Nondiscrimination Act of 2008, and the
Health Insurance Portability and Accountability Act, as applicable, among others. If you choose to participate in the wellness pro-
gram you will be asked to complete a voluntary health risk assessment or "HRA" that asks a series of questions about your health-
related activities and behaviors and whether you have or had certain medical conditions (e.g., cancer, diabetes, or heart disease).
You will also be asked to complete a biometric screening, which will include a blood test for glucose and cholesterol. You are not
required to complete the HRA or to participate in the blood test or other medical examinations.
The information from your HRA and the results from your biometric screening will be used to provide you with information to
help you understand your current health and potential risks, and may also be used to offer you services through the wellness pro-
gram, such as online or telephonic health coaching through Cigna. You also are encouraged to share your results or concerns with
your own doctor.

Protections from Disclosure of Medical Information

We are required by law to maintain the privacy and security of your personally identifiable health information. Although the well-
ness program and Primary Residential Mortgage, Inc. and Cigna may use aggregate information it collects to design a program
based on identified health risks in the workplace, Primary Mortgage, Inc.’s Wellness Program will never disclose any of your per-
sonal information either publicly or to the employer, except as necessary to respond to a request from you for a reasonable ac-
commodation needed to participate in the wellness program, or as expressly permitted by law. Medical information that person-
ally identifies you that is provided in connection with the wellness program will not be provided to your supervisors or managers
and may never be used to make decisions regarding your employment.
Your health information will not be sold, exchanged, transferred, or otherwise disclosed except to the extent permitted by law to
carry out specific activities related to the wellness program, and you will not be asked or required to waive the confidentiality of
your health information as a condition of participating in the wellness program or receiving an incentive. Anyone who receives
your information for purposes of providing you services as part of the wellness program will abide by the same confidentiality
requirements. The only individual(s) who will receive your personally identifiable health information are the screeners at the bio-
metric event, or any lab or physician you visit to complete the screening, in order to provide you with services under the wellness
program.
In addition, all medical information obtained through the wellness program will be maintained separate from your personnel rec-
ords, information stored electronically will be encrypted, and no information you provide as part of the wellness program will be
used in making any employment decision. Appropriate precautions will be taken to avoid any data breach, and in the event a data
breach occurs involving information you provide in connection with the wellness program, we will notify you immediately.
You may not be discriminated against in employment because of the medical information you provide as part of participating in
the wellness program, nor may you be subjected to retaliation if you choose not to participate.
If you have questions or concerns regarding this notice, or about protections against discrimination and retaliation, please contact
Primary Mortgage’s HR Benefits Department at 800-255-2792 x1000048.

27