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2025 Open EnrollmentEffective January – December 2025

Ambarella offers you and your eligible family members a comprehensive and valuable benefits program, that is built on three core pillars of health:myHEALTHMedical InsuranceHealth Savings Account (HSA)Flexible Spending Accounts (FSAs)Dental InsuranceVision InsurancemyFINANCESLife and AD&D InsuranceDisability InsuranceAdditional Benefit Options401(k) Retirement SavingsmyLIFEEAPAdvocacy & claims supportLegal BenefitsOneDigital Working Advantage

What you need to knowHere’s what’s coming:– Medical: There is a slight increase in the HDHP deductibles for both the Kaiser and Cigna plans due to IRS mandated changes. – Vision: We are increasing the frame & contact lens allowance from $150 to $200! • New Flex Spending Account Vendor Partner for 2025! – We’re excited to announce all spending accounts will be moving from Navia to P&A Group effective January 1, 2025.– IRS increased HSA and FSA maximums & rollover amounts• Contributions– Log into ADP or review your benefit guide to see your 2025 per pay period premiums.Open enrollment is November 11 – November 22Coverage is effective January 1 – December 31, 2025

What you need to doBenefits Open EnrollmentYour enrollment checklist:• Review your options and consider your needs• Review your beneficiary information• Covering someone new? You’ll need their date of birth and a valid SSN to add them to coverage• Enroll online on ADP • Submit your elections by 11:59pm EST on November 22nd. • Be sure to print or save your confirmation page!! This is an active enrollment, so you must log into ADP and re-elect your benefits for the 2025 plan year. It is important you verify all your elections in ADP prior to Open Enrollment closing. Each year, you must re-elect FSA & HSA pre-tax deferrals in 2025- they will not roll over.

All benefits information available on the Ambarella website Your benefits - all in one placeScan the QR code to view the website!https://www.ambarella-benefits.com/

Medical Benefits

Out-of-pocket maximumAnnual maximum cost for covered in-network careCost for coverageTotal cost for the yearMaximum annual liabilityYour maximum cost for coverage & careMedical Insurance – Cost for CoverageKaiser HMO (CA only)Kaiser HSA (CA only)Cigna OAP HMOCigna OAP PPOCigna HSAOut-of-pocket maximum$2,500 individual coverage$2,500 per person in a family up to$5,000 family max$3,300 individual coverage$3,300 individual in a family up to$6,600 family maximum$2,500 individual coverage$2,500 per person in a family up to$5,000 family max$3,500 individual coverage$3,500 per person in a family up to$7,000 family $3,000 individual coverage$3,300 per person in a family up to$6,000 family Your per-pay-period cost for coverage (Semi-Monthly)Employee only$16.70$13.67$20.72$25.87$16.63Employee + spouse$56.37$29.45$108.75$135.83$36.10Employee + child(ren)$49.58$26.82$79.75$99.01$29.45Employee + family$82.47$39.96$175.04$218.42$50.82

Kaiser Medical InsuranceTwo plan options through Kaiser, in-network coverage only• Traditional HMO plan: no deductible, mainly copays• HDHP plan: save tax-free dollars with an HSA, PLUS take advantage of contributions from Ambarella.Kaiser Permanente is an integrated health plan. Which means all your care must be coordinated at a Kaiser facility and with Kaiser doctors. The benefits of this is coordinated care, where all doctors have access to your electronic medical records. All doctors, facilities and pharmacy care is easy to access.Available to California Employees OnlyDownload the Kaiser app to help you manage your care. Visit kp.org/mobile

Kaiser Medical InsuranceHMO (CA only)HSA HMO (CA only)Network name:Kaiser Permanente Kaiser Permanente Annual Deductible (DED)None$1,650 individual coverage$3,300 per person in a family up to$3,300 family maxOut-of-pocket maximum$2,500 individual coverage$2,500 per person in a family up to$5,000 family max$3,300 individual coverage$3,300 individual in a family up to$6,600 family maximumPre-tax account availabilityHealthcare FSAHealth Savings Account (HSA)Primary care visitSpecialist visit$30 copay$30 copay10% after deductible10% after deductibleUrgent careEmergency room$30 copay $200 copay10% after deductible10% after deductibleInpatient hospitalOutpatient surgery$500 copay / admission$250 copay / surgery10% after deductible10% after deductiblePrescriptions: Tier 1 / Tier 2 Tier 3 / Tier 4$15 copay / $30 copayN/A / 30% up to $250 max$10 copay after deductible / $30 copay after deductibleN/A / 20% up to $200 max after deductibleDeductible type:Per person up to family maximumEach person has their own deductible with a combined maximum for the family.

Kaiser ResourcesBehavioral & Mental Health ResourcesMental Health: Mental health services include assessment, treatment, and support for a variety of mental, emotional, and substance use conditions. At Kaiser Permanente, adults, families, teens, and children can get clinical and support services for a wide range of issues. Visit kp.org/mentalhealth to access local resources.Mind/Body: Practicing self-care is good for the mind, body, and spirit. Get tips for meditation, dealing with everyday stressors and finding simple ways to take care of yourself. Visit kp.org/mindbody.Mental Health & Wellness: Check out additional Kaiser wellness resources at Kaiser Health and Wellness Resources.Behavioral Health: Kaiser offers a number of support programs to help you and your loved ones if you need assistance with managing a variety of behavioral health needs. Wellness ResourcesHealthy Lifestyle Programs: Online wellness programs are available to help you eat healthier, lose weight, quit smoking, reduce stress, and manage ongoing conditions such as diabetes or depression.Health Classes: Choose from health classes and support groups offered at Kaiser facilities. Visit kp.org/classes to see what’s available in your area.Wellness Coaching: Work with a personal wellness coach by phone at no cost to explore options for meeting your health goals. Start here: kp.org/wellnesscoach.Choose How You Get CareMake an appointment for therapy or counseling. Call your local medical center to schedule an appointment at the mental health, behavioral health, or psychiatry department.Get care advice 24/7. Find your local 24/7 phone number at healthy.kaiserpermanente.org/get-care.For emergency care. If you think you have a medical or psychiatric emergency, call 911 or go to the nearest hospital.

Cigna Medical InsuranceThree plan options through Cigna• HMO plan: in-network coverage only; mainly copays• PPO plan: in and out-of-network coverage• HDHP plan: save tax-free dollars with an HSA, PLUS take advantage of contributions from Ambarella.The Cigna medical plans use the Open Access Plus network. You have access to a wide network of healthcare providers, giving you many options for care. While you get the best coverage and lower out-of-pocket costs when you use in-network providers, you also have the option to see out-of-network providers, though at a higher cost. Available in all states!Download the Cigna app to search for network providers, access your digital ID card, and more. Register on www.mycigna.com

*See your plan summary for out-of-network benefit information.Cigna Medical InsuranceCigna OAP HMOCigna OAP PPOCigna HSANetwork name:Open Access Plus Open Access Plus Open Access Plus Annual Deductible (DED)[calendar year]None$500 individual coverage$500 per person in a family up to$1,500 family max$1,650 individual coverage$3,300 per person in a family up to$3,300 family maxOut-of-pocket maximum$2,500 individual coverage$2,500 per person in a family up to$5,000 family max$3,500 individual coverage$3,500 per person in a family up to$7,000 family $3,000 individual coverage$3,300 per person in a family up to$6,000 family Pre-tax account availabilityHealthcare FSAHealthcare FSAHealth Savings Account (HSA)Primary care visitSpecialist visit$30 copay$30 copay$20 copay$40 copay20% after deductible20% after deductibleUrgent careEmergency room$25 copay $100 copay$25 copay $150 copay20% after deductible20% after deductibleInpatient hospitalOutpatient surgery$500 copay / admission$250 copay / surgery20% after deductible20% after deductible20% after deductible20% after deductiblePrescriptions: Tier 1 / Tier 2 Tier 3 / Tier 4$15 copay / $35 copay$50 copay / 30% | $250 max $15 copay / $30 copay $50 copay / 30% | $250 max $15 copay after deductible / $40 copay after deductible$60 copay after deductible / 30% I $250 max after deductible

Cigna ResourcesMDLive - Virtual CarePrimary Care - Preventive care, routine care and specialist referrals. Preventive care checkups/ wellness screenings available. Behavioral Care - Talk therapy and psychiatry from the privacy of homeSchedule an appointment that works for you. Urgent Care - On-demand care for minor medical conditions, including holidaysActive & FitBreak a sweat without breaking the bank. As a Cigna member, through the Health Rewards Discount program, you have access to the Active & Fit Direct program, which allows you to choose from 10,000+ participating fitness centers nationwide for $25 a month. To get started go to https://discoverhealthyrewards.sites.cigna.com/Healthy BabiesAvailable at no additional cost to you, Healthy Babies supports you throughout your pregnancy journey — and works to keep you and your baby healthy.You’ll learn how to:-Plan for a healthy pregnancy-Monitor your pregnancy week by week -Prepare for labor and delivery -Care for your new baby Omada® for Cigna HealthcareOmada is a digital lifestyle change program focused on building healthy, long-lasting habits. Designed to help you lose weight, gain energy and reduce the risks of type 2 diabetes and heart disease Surrounds you with the tools and support you need to make lasting, meaningful changes to the way you eat, move, sleep and manage stress — one small step at a time. Receive the program at no additional cost.IdentityForceMonitor, alert, and fixIdentity theft impacts both the financial and emotional well-being of victims. That’s why Cigna Healthcare teamed up with IdentityForce® to offer its services as part of your medical coverage at no additional cost.1 The identity theft protection provides monitoring, alerts, and restoration services.

Spending Accounts

What to expect? 1/1/2025, cards will be turned off. Employees can process claims manually via online, mobile and over the phone. FSA accounts: • You will continue to file eligible 2024 expenses through Navia for your 90-day run out period- March 31, 2025 deadline!• Your Navia rollover funds will be available in P&A Group ~June/July• You will still have access to your online portal for up to 2 years. HSA accounts: • You have the option to rollover your funds to the new vendor. • Deadline to transfer is January 20th, 2025. • If you decide not to transfer your funds– you will be mailed a new debit card and information from Wealthcare Savers.– you will be charged for any ongoing account maintenance fees. Navia to P&A Group Transition

• FSA, HSA & Commuter benefits• New Debit Cards will be mailed. – 1 card for HSA– 1 card for FSA accounts• FSA & Commuter welcome e-mails will be sent• Additional e-mails are also sent in this series on the following topics: ➢ Eligible Expenses➢ Benefits Card Documentation➢ Mobile App & ToolsNEW Flex Plan Vendor!

Health Savings Account (HSA)• You must be enrolled a High Deductible Health Plan (HDHP) and meet IRS eligibility requirements to make or receive contributions into an HSA. • Money can be used tax-free for medical, prescription, dental and vision expenses.• Money goes in, grows, and comes out tax-free when used for qualifying health expenses, and it never expires!• Your money rolls over into the following plan year• Contributions– If you live in California, Ambarella’s contributions to your HSA will be treated as taxable income for state tax purposes. – HSA contributions come out of your paycheck before federal income taxes. If you live in California, state income tax will apply to your contributions.HSA election amounts must be made each year

Health Savings Account (HSA)Total Contribution Limits (Employer + Employee)Employee OnlyEmployee + Dependent2025 IRS maximum$4,300$8,550Catch-up Contribution (55+)$1,000$1,000Ambarella ’s contributions are made on an annual basis.Ambarella ContributionsEmployee OnlyEmployee + DependentAmbarella contributes up to$750$1,500

Flexible Spending Accounts (FSAs)• Pay for eligible expenses with tax-free funds!• Contributions run January – December each year.• Four account options:– Health care– Limited purpose– Dependent care– Transit/Parking (CA employees only)FSA elections must be made each year

Flexible Spending Accounts (FSAs)• Medical, prescription, dental and vision expenses.• Not available if you’re contributing to an HSA.• Contribute up to $3,300 for the year.– Roll over up to $660 in unused expenses to the following year; the rest is forfeited.Limited purpose FSAHealth care FSA• Dental and vision expenses only. • Available when you’re contributing to an HSA.• Contribute up to $3,300 for the year.– Roll over up to $660 in unused expenses to the following year; the rest is forfeited.You will continue to file eligible 2024 expenses through Navia for your 90-day run out period, March 31, 2025 deadline!Your Navia rollover funds will be available ~June/July

Dependent Care FSA• Day care for children under 13, disabled older children, or dependent adults.• Care must allow you and your spouse (if married) to work, attend school, or look for work.• Contribute up to $5,000 for the year.– Married filing as single? Contribute up to $2,500 per person.

• Elect funds monthly (not annual)• Parking or transit expenses related to work – not reimbursable business travel. • Contribute up to $325 each month.Transit & Parking (CA employees only)

P&A Group’s Digital Tools• P&A provides step-by-step instructions on how to access participant tools like Mobile Pay, P&A’s Mobile App and more.• Access to online account, Visit www.padmin.com > Participants• WEB: www.padmin.com ⎸PHONE: (716) 852-2611

Dental & Vision Benefits

SunLife - Dental InsuranceDental PPONetwork nameSunLife DentalAnnualdeductible$50 per person$150 family maxAnnual benefitmaximum$2,000 per personIn-network preventive care100% coveredBasic careDED then you pay 10%Major careImplant CoverageDED then you pay 40%Orthodontics50% covered (Child & Adult)$1,500 lifetime max benefitYour per-pay-period cost for coverage Employee only$7.42Employee + Spouse$14.84Employee + Child(ren)$16.96Employee + Family$25.97*See your plan summary for out-of-network benefit information.

VSP - Vision InsuranceIn-network benefitsVision Service Plan (VSP)Network nameVSP Signature NetworkAnnualeye exam(once per calendar year)$10 copayMaterials Copay(lenses & frames)$25 copayLenses(once per calendar year)No charge after copay for the following lenses: Single Vision; Lined Bifocal; Lined Trifocal; and Lenticular.Frames(once per calendar year)$200 allowanceContact Lenses(once per calendar year)Elective: $200 allowanceMedically necessary: 100% coveredYour per-pay-period cost for coverageEmployee only$1.96Employee + Spouse$2.45Employee + Child(ren)$2.45Employee + Family$3.92Your vision plan covers either glasses (lenses and frames) or contact lenses each year. If you receive contact lenses, they will be instead of your glasses benefit.*See your plan summary for out-of-network benefit information.

Income Protection

SunLife - Life and AD&D InsuranceBasic lifeBasic AD&DAmbarella provides1x your annual salaryup to $400,0001x your annual salaryup to $400,000Basic life and AD&D insuranceMake sure to designate a beneficiary for your life insurance coverage to ensure your family is cared for according to your wishes.See your benefit guide for information on medical questions, key terms, and cost.For you For your spouseFor your child(ren) - Age 26Coverage increments$10,000$5,000$2,000Coverage maximum$500,000, not to exceed 5x of employee’s salary$500,000, not to exceed 100% of employee’s benefit amount$10,000Medical question limit$150,000$25,000Does not applyVoluntary life and AD&D insurance

Disability InsurancePaycheck protection through SunLifeLong-term disabilityShort-term disabilityBenefits beginAfter 7 days of inability to workCoverage amount60% of your income up to $3,000 per weekPayments may continueUp to 25 weeks if you’re unable to return to workProvided by Ambarella at no cost to youBenefits beginAfter 180 days of inability to work (once short-term disability ends)Coverage amount60% of your income up to $10,000 per monthPayments may continueSSNRA or longer depending on your age at disability. Provided by Ambarella at no cost to youSee your plan details for the definition of unable to work.

Supplemental Health Plans

SunLife - Supplemental Health PlansAccident Coverage• Helps with costs due to a covered accident• Pays in addition to any other coverage you may already have. • Pays you a cash benefit to use as you chooseHospital Indemnity• Helps with costs due to being admitted to the hospital• Pays you a cash benefit to use as you choose• Get a $50 wellness benefit when you get a covered screening (paid twice if you’re also enrolled in the Critical Illness plan)!Critical Illness• Pays you a cash benefit when you’re diagnosed with a covered critical illness such as cancer, heart attack, stroke, organ transplant. • Use your benefit to help with related expenses like lost income, childcare, deductibles, and copays• Get a $100 wellness benefit when you get a covered screening!

Mental Health Benefits

Employee Assistance Program (EAP)100% Confidential care for all that life brings• Our Employee Assistance Program (EAP) is a confidential service with access to guidance and resources at no cost for: – mental health concerns (including substance abuse or addiction)– adoption, parenting, or caregiving needs– financial or legal support– familial relationships and friendships– coping with day-to-day challenges– and more24/7/365 access to care 877-595-5281 www.guidanceresources.comCompany ID: EAPBusiness

Additional Benefits

RocketLawyer – Legal Benefits

Legal Club of America - Legal Benefits • Covers you, your spouse and dependents for unlimited telephonic and office consultations on personal matters with an attorney of your choice • There are 3 plans available to you, includes dependents:– Classic: $14/month– Standard: $16/month– Plus: $20/month• Benefits: – Free and Discounted Legal Care – Unlimited FREE and discounted legal care from the nation’s largest network of plan attorneys. You receive a reduced rate of $125 per hour, or 40% off their usual and customary hourly rate, whichever is greater, for legal care that goes beyond the free and discounted services.– Free Tax Preparation and Advice - Toll free access to CPAs for FREE, unlimited tax advice and FREE tax return preparation.– Financial Education & Credit Counseling Services (Classic Plan Only) – unlimited, FREE, non-biased financial information and decision-making assistance. 24/7 access to online chat and web portal. Classic Plan Only– LifeEventsCounseling (Classic Plan Only) – Members have toll-free 24/7, 365-day access to advocates who provide personal consultation services.

OneDigital Working AdvantageAccess exclusive employee discounts and rewards for travel, entertainment, electronics, gifts & more! Things like Theme Parks & Attractions, Hotels, Rental Cars, Shows & Events and much more.Register by visiting www.workingadvantage.com/onedigital and completing the new member registration form.Customer Service: 1-800-565-3712contact@workingadvantage.com Save big on hundreds of brands!

Retirement Benefits

Ambarella Corp. 401(k) PlanEnrollment:www.netbenefits.com(800) 835-5097Eligibility:You are eligible to participate the 1st of the month following your hire date. Must be age 21 or older.Auto Enrollment: New hires will be auto enrolled at 5% (Pre-tax) into an age-based target date fund. You may opt out at any time. Company Match:Match Formula: 100% of the first 4% deferred from eligible compensation up to an annual cap of $3,000. You are 100% vested immediately. Contribution Types:Traditional (Pre-tax) & Roth (Post-tax)Additional After-Tax (Non-Roth)Plan Limits:2025 IRS Limit: $23,500 between Traditional and/or Roth if under age 50.Age 50 or older? Limit increased to $31,000.Age 60-63? Limit increased to $34,750.Additional After-Tax limit for 2025: $43,500 (Eligible for in-plan Roth conversion).

Financial Consulting For Your More Complicated QuestionsOffered through SageView Advisory GroupInvestment Allocation for your Total PortfolioRetirement Income ProjectionsAdditional fee-based wealth management and financial planning, if you would like more help.Tax Reduction StrategiesCompany Stock AwardsEstate PlanningRisk Management & InsuranceGet additional help with topics including...Eric is a full-service financial consultant, dedicated to working one-on-one with retirement plan participants who have questions on asset allocation, retirement planning, insurance, investments, stock awards, and any other personal finance questions.Eric WeissmanSr. Wealth Advisor (650) 446-3790 eweissman@sageviewadvisory.comScan the code above to schedulea one-on-one consultation

Next Steps & Questions

Time to EnrollOpen enrollment is November 11 – November 22Coverage is effective January 1 – December 31, 2025• Ensure you have access to ADP• Open Enrollment is an ACTIVE enrollment, meaning your current benefit elections will not roll over if you do not make any changes• Come prepared with dates of birth, social security numbers, and legal names of any dependents you with to enroll in benefits. • Remember to review your beneficiaries.• Complete and submit your medical questions (Evidence of Insurability) form if your enrollment requires it. • The benefits website or benefit guide includes full plan details and payroll deductionsBookmark this page to access your benefit information when you need it! https://www.ambarella-benefits.com/

Time to EnrollHow we can help! • Benefit and eligibility questions• Help choosing the best plan• Locating providers• Claims issues• ID cards• Referral and authorization supportHave questions? Advocacy Team can help.advocacy@onedigital.comMonday – Friday, 8am-5pm PSTBilingual (Spanish) assistance is available.Bookmark this page to access your benefit information when you need it! https://www.ambarella-benefits.com/