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Policyholder: CONTROL RISKS GROUP LLCGroup accident insuranceBenefit summary for all membersEffective date: 01/01/2023Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62466-8 09292212001 - 12 Page 1 of 3 08/2022EligibilityEligible employeesAll active, full-time employees working at least 30 hours a weekBenefits if you or your spouse are accidentally injured off the jobInjury1BenefitBurn2nd degree up to 25% of body $5002nd degree over 25% of body $1,5003rd degree up to 25% of body $2,5003rd degree over 25% of body $5,000Coma $15,000Concussion $500Dental injury $500Dislocation2HipKneeAnkle, collarbone, elbow, foot (excluding toes), hand (excludingfingers), lower jaw, shoulder, wristOpen reduction(surgical)$7,500$5,000$3,000Closed reduction(non-surgical)$3,750$2,500$1,500Eye injury with surgical repair $500Fracture2Hip, skull (depressed), thigh (femur)Lower leg (fibula, tibia), pelvis, skull (non-depressed), vertebraeAnkle, arm, collarbone, elbow, facial bones, foot (excluding toes), hand(excluding fingers), jaw, knee cap, shoulder blade, wristSternum, vertebral processesRib, tailbone (coccyx)Open reduction(surgical)$10,000$5,000$3,000$2,000$1,000Closed reduction(non-surgical)$5,000$2,500$1,500$1,000$500Injuries not specifically listed $100Internal injury $1,500Knee cartilage injury with surgical repair $1,500Ruptured disc with surgical repair $1,500Tendon / ligament / rotator cuff injury with surgical repair3$1,5001One benefit per injury type is payable per accident, unless noted.2If you suffer multiple dislocations and/or fractures, your benefit will be up to 200% of the benefit amount forthe dislocation/fracture with the highest benefit.3Up to two benefits are payable per accident.Once enrolled, you'll receive a booklet with more details regarding each of these injuries.

Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62466-8 09292212001 - 12 Page 2 of 3 08/2022What benefits does Accidental Death and Dismemberment (AD&D) provide?AD&DYou $25,000Your spouse $12,500Your child(ren) $6,250LossLoss of life, or loss of both hands or both feet or one hand and one foot 100%Loss of one hand or one foot 50%Loss of thumb and index finger on the same hand 25%Common carrier - If you die while a passenger on public or commercialtransportationadditional 200%Seat belt / airbag - If you die in a car accident while wearing a seat beltor protected by an airbagadditional 25%Loss of use / paralysis - total loss of movement for 12 consecutive months or permanent paralysisQuadriplegia100%Paraplegia, hemiplegia, or loss of use of both hands or both feet or onehand and one foot50%Loss of use of one arm, one leg, one hand, or one foot 25%Loss of sight, speech and/or hearing - total loss for 12 consecutive monthsLoss of speech and hearing in both ears, or loss of sight in both eyes 100%Loss of speech or hearing in both ears, or loss of sight in one eye 50%Loss of hearing in one ear 25%Additional benefits:WellnessIf you or your covered dependent has a covered screening test performed,you each may receive a $150 benefit, once per calendar year. Make sure tofile your claim within a year of the date of service.Portability If you no longer qualify for coverage, you may be able to continue coveragefor yourself and your covered dependents.What's available to me?Be better prepared financially for accidents before they happen. This coverage pays a lump-sum benefit forinjuries received from an accident.

principal.comACCIDENT INSURANCE PROVIDES LIMITED BENEFITS.This is a summary of accident coverage insured by or with administrative services provided by Principal LifeInsurance Company. This outline is a brief description of your coverage. It is not an insurance contract or acomplete statement of the rights, benefits, limitations and exclusions of the coverage. If there is a discrepancybetween the policy and this document, the actual policy provision prevails. For complete coverage details,refer to the booklet.© 2022 Principal Financial Services, Inc.,Principal®, Principal Financial Group® and the Principal logo design are registered trademarks ofPrincipal Financial Services, Inc., a Principal Financial Group company, in the United States and are trademarks and service marks ofPrincipal Financial Services, Inc., in various countries around the world.Insurance issued by Principal Life Insurance Company, 711 High Street, Des Moines, IA 50392GP62466-8 09292212001 - 12 Page 3 of 3 08/2022Who can buy coverage?• You may buy coverage if you’re an active, full-time employee working at least 30 hours a week. Seasonal,temporary, or contract employees can’t purchase.o If you’re on a regularly scheduled day off, holiday, vacation day, jury duty, funeral leave, or personaltime off, you’re still considered actively at work, as long as you’re fulfilling your regular duties and wereworking the day immediately prior to your time off.o You must enroll within 31 days of being eligible. If you don’t, you’ll have to wait until the next openenrollment period.• If you’re covered, you may buy coverage for your dependents, if they’re not confined at home, in ahospital or skilled nursing facility (this is referred to as Period of Limited Activity).Additional eligibility requirements may apply.What are the limitations and exclusions of my coverage?Benefits will not be paid for an injury arising from or during employment for wage or profit. There arelimitations and exclusions to your coverage. A complete list is included in your booklet.