Leader Bank - 2025 Team Member Benefit Guide : simplebooklet.com

You must request a change to your benefits within 30days of your life event (60 days for changes involvingMedicaid eligibility). Documentation may be required.123For youYou are eligible for benefits as a full-time team memberworking at least 30 hours per week.Covering your familyYou may also cover your eligible dependents when youelect coverage for yourself.Your Spouse or PartnerYou may cover your legal spouse or domestic partner.Your ChildrenDependent children are eligible: Medical, dental and vision: until age 26 regardlessof student or marital statusEnroll nowMaking benefit selectionsEligibilityYour benefit plans are in effect January 1 – December 31each year. In general, there are three (3) times you canmake benefit selections:Enrolling in coverageQualifying life events allow you to change your coverageduring the year outside of Open Enrollment. Theseinclude:marriage or divorce, birth or adoption, death of a covered dependent, and a change in eligibility through Medicare, Medicaid,or a spouse or parent's coverage.If you have a qualifying life eventOpen Enrollment is your one chance each year to reviewyour coverage options and make changes to yourbenefits.Your choices are in effect from January – December ofthe following year unless you have a qualifying life event.Your benefits begin on your Date of Hire; this is youreffective date. Be sure to submit your selections withinyour first 30 days of employment. Your benefit selections will be in effect throughDecember 31. When you're first eligibleAt Open EnrollmentQuestions on how to enroll? For mobile enrollment, click HEREFor desktop enrollment, click HERE

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Balance billingWhen you use an out-of-networkmedical or dental provider, theymay bill you the difference betweenwhat they charge and the amountyour insurance pays.Medical: balance billing is inaddition to – and does not counttowards – your out-of-pocketmaximum.CoinsuranceAfter you’ve met your deductible,you’re sometimes responsible for apercentage of the cost of themedical care, dental care, orprescription medication youreceived. This percentage iscoinsurance.CopayA flat fee you pay each time youreceive a copay-eligible medical,dental, or vision service orprescription medication. DeductibleThe amount you’re responsible forpaying in care expenses before themedical or dental plan starts payingdeductible-eligible expenses.In-networkIn-network care is always yourlowest-cost option. Networks aregroups of medical, dental, andvision providers, pharmacies, andfacilities that agree to discount thecost of their care or service.Out-of-pocket maximumThe most you’ll pay for covered in-network medical care in a year. Thisincludes your deductible, anycoinsurance or copays, andprescription drugs. The out-of-pocket maximum doesnot include your premium (theamount you pay for coverage), non-covered expenses, or out-of-network care that’s been balancebilled.Pre/Prior-authorizationSome specialty medical providers,services and prescriptions requireprior authorization from yourinsurance company. These mayinclude - but are not limited to -surgery, imaging (CT, MRI) andcertain prescription medications.Primary care physicianA primary care physician (PCP) isyour main medical doctor – usuallya general practitioner (GP), familydoctor, internist, OB/GYN, orpediatrician (for children).How to handle medical bills(2:04)Download nowLearn moreWe’re required to tell you about certain rights andresponsibilities you have as an employee ofLeader Bank. You can request a paper copy at no charge from:Jessica Arevalo, HR Business PartnerJessica.Arevalo@leaderbank.comHelpful terms & resourcesAnnual NoticesWe've removed as much jargon as possible.But you’ll probably still encounter some terms as you enroll in and use yourbenefits, and we want you to be prepared!

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Medical insuranceMass General Brigham Health PlansGroup: 2XX1-866-414-5533 (TTY 711)www.massgeneralbrighamhealthplan.orgHealth Savings Account (HSA)Sentinel GroupAccount ID: 864661-781-914-1200www.sentinelgroup.comHealth Reimbursement Arrangement (HRA)Flexible Spending Accounts (FSAs)Team Member Assistance Program (EAP)KGAGroup: Leader Bank1-800-648-9557www.kgreer.comDental insuranceDelta Dental MAGroup: 0161429902-Low Group: 0161429901-High1-617-886-1234https://deltadentalma.com/membersVision insuranceVSPGroup: 401617141-800-877-7195 (TTY: 711)https://www.vsp.com/Life and AD&D insuranceMutual of OmahaGroup: G000CLKV1-800-775-6000www.mutualofomaha.comDisability insurance401(k) retirement savingsFidelity1-800-343-3548https://www.fidelity.com/Pet Insurance - VoluntaryNationwide1-877-738-7874https://benefits.petinsurance.com/leaderbankLegalShield - VoluntaryLegalShield1-833-690-6121https://www.legalshield.com/Identity & FraudProtection - VoluntaryMetLife & AuraGroup: 57773291-844-931-2872www.metlife.com/Contact information

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Network & Plan NameComplete HMO 1250 35/40 ER250w/CCChoice Easy Tier HMO 1000 25/40EER250 w/CCIn-Network Plan DetailsAnnual Deductible (DED)[Calendar year]$1,250 per person up to$2,500 family max$1,000 single coverage OR$2,000 if you cover 2+ peopleOut of pocket maximum$5,000 per person $10,000 family max$2,000 per person $4,000 family maxPre-tax account availabilityHCFSA, DCFSA, & HRAHCFSA, DCFSA, & HRAPreventive carePrimary care visitSpecialist visitVirtual visit100% covered$35 copay$40 copay$35-$40 copay100% covered$25 copay$40 copay$25-$40 copayUrgent careEmergency roomInpatient hospital careOutpatient surgery$40 copay$250 copay (waived if admitted)DED then $250 copayDED then $150 copay$40 copay$250 copay (waived if admitted)T1: $150 copay | T2: DED, then $1,000 copayT1: $150 copay | T2: DED, then $1,000 copayPrescription drugsT1-Low Cost GenericT2-Other GenericT3-Preferred brand T4-Non-preferred brandT5-Generic & preferred specialtyT6-Non-preferred specialty(30 days | 90 days)$5 copay | $10 copay$15 copay | $30 copay$30 copay | $60 copay$50 copay | $150 copay$30 copay | n/a$50 copay | n/a(30 days | 90 days)$5 copay | $10 copay$15 copay | $30 copay$30 copay | $60 copay$50 copay | $150 copay$30 copay | n/a$50 copay | n/aOut-of-network careAnnual deductible Out-of-pocket maximum n/an/aYour cost for coverage (Bi-weekly)Individual onlyIndividual + Child(ren)FamilyPay Period $96.69$221.92$261.06Pay Period$92.25$211.74$249.09See plan detailsSee plan detailsFind an in-network providerMGB - MicrositeBoth HMO plans below, cover in-network preventive care at 100%.The remaining two (2) Medical plans (PPO) are on the following page.See your plan details for all applicable coverage information. Note - Team Members outside of MGB’s local network area (outside of MA)will utilize United Healthcare’s (UHC) network. The HMO Plans are availablefor Mass only.Select from four (4) medical options through Mass General Brigham Health Plans (MGB).Medical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

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Network & Plan NameComplete PPO Plus Combined1250 30/40 ER D250 w/CCComplete PPO Plus HSA Combined1750 ER D200In-Network Plan DetailsAnnual Deductible (DED)[Calendar year]$1,250 per person up to$3,000 family max$1,750 single coverage OR$3,500 if you cover 2+ peopleOut of pocket maximum$5,000 per person $10,000 family max$5,000 per person $10,000 family maxPre-tax account availabilityHCFSA, DCFSA, & HRADCFSA & HSA Preventive carePrimary care visitSpecialist visitVirtual visit100% covered$30 copay$40 copay$30-$40 copay (DED may apply)100% coveredDED then covered in fullDED then covered in fullDED then covered in fullUrgent careEmergency roomInpatient hospital careOutpatient surgery$40 copayDED, then $250 copay (waived if admitted)DED then you pay $250 copayDED then you pay $150 copayDED then covered in fullDED then $200 copay (waived if admitted)DED then $250 copayDED then $150 copayPrescription drugsT1-Low Cost GenericT2-Other GenericT3-Preferred brand T4-Non-preferred brandT5-Generic & preferred specialtyT6-Non-preferred specialty(30 days | 90 days)$5 copay | $10 copay$15 copay | $30 copay$30 copay | $60 copay$50 copay | $150 copay$30 copay | n/a$50 copay | n/a(30 days | 90 days)DED, then $5 copay | $10 copayDED, then $15 copay | $30 copayDED, then $30 copay | $60 copayDED, then $50 copay | $150 copayDED, then $30 copay | n/aDED, then $50 copay | n/aOut-of-network careAnnual deductible Out-of-pocket maximum $1,250 / $3,000$5,000 / $10,000$1,750 / $3,500 $5,000 / $10,000Your cost for coverage (Bi-weekly)Individual onlyIndividual + Child(ren)FamilyPay Period$98.94$227.09$267.15Pay Period$88.33$202.73$238.49See plan detailsSee plan detailsBoth PPO plans below, cover in-network preventive care at 100%The remaining two (2) Medical plans (HMO) are on the previous page.See your plan details for all applicable coverage information. NOTE - Team Members outside of MGB’s local network area (outside of MA)will utilize United Healthcare’s (UHC) network.Find an in-network providerMGB - MicrositeSelect from four (4) medical options through Mass General Brigham Health Plans (MGB).Medical insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

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Lyra HealthMental health made easy!See plan detailsSee plan detailsSee plan detailsSee plan detailsSee plan detailsDownload nowMGB Mobile appAccess claims information, get your ID card, andfind a provider - all in one convenient location!Learn moreCare ComplementEasy access to pain and chronic conditiontherapies with no member cost sharing!See plan detailsSee plan detailsAdditional perkswith MGB!Pharmacy Benefit GuideMGB Flex Rx program is built for choice, savings, andconvenience.New Member BrochureAn overview of your plan to help you get started!Choice Easy Tier plan brochureUnderstand how tiering works in this plan option andwhich hospitals and services are tiered (HMO)Fitness & Weight Loss ReimbursementLearn how to get your reimbursement for fitness andweight loss programs!There's more to love with these extra benefits when you electmedical coverage with Mass General Brigham. The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Covered Preventive ServicesRoutine healthcare services delivered by networkproviders at no cost sharing.Rx Savings SolutionsStop overpaying for your prescriptions!

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If you coveryourself onlyIf you coverdependents2025 IRS maximumcontribution $4,300$8,550Learn more55 or older? You can contribute an extra $1,000 peryear in catch-up contributions.You may contribute tax-free funds to save for currentand future health expenses - and retirement!Contributions HSA funds Using your moneySpend your HSA balance on health care expenses(medical, prescription, dental, and vision) for youand your tax dependents, ORLet your balance grow for retirement.The money in your HSA is always yours and availablefor qualified health care expenses - even if you changejobs or health plans. Before retirement, any funds usedfor non-healthcare expenses are subject to taxpenalties. Keep your receipts!Growing your money + tax savingsHSA dollars go in tax-free, grow tax-free, and come outtax-free when you use them for qualified healthexpenses. You may also be able to invest part of yourbalance once it meets a certain level.In retirementAt age 65, you can withdraw the funds in your HSA forany use (not just health care!) without tax penalties;regular income tax will still apply. EligibilityIn order to make – or receive – contributions to a HealthSavings Account (HSA), you must:be enrolled in a qualified High Deductible HealthPlan (HDHP),not be covered under any other non-HDHP healthcoverage, including a full health care FSA throughyour spouse,not be anyone else’s tax dependent, and not be enrolled in Medicare A or B, Tricare, or VAbenefits.Save pre-tax money for health care expenses – or retirement!Health SavingsAccount (HSA)An HSA through The Sentinel Group is paired with MGB’sHigh Deductible Health Plan (HDHP).Learn how HSAs can help yousave for today and tomorrow.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

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Coverage Tier:If you cover yourself onlyIf you cover dependentsLeader Bank contributes:$625 (max) / 50% of incurred Ded.$1,250 (max) / 50% of incurred Ded.Health Reimbursement Arrangement(HRA)ContributionsWhen you enroll in the HRA , Leader Bank automatically setsaside money to help you and your covered dependents pay forqualifying health care expenses (that would go towards yourdeductible only).Unused funds at the end of the year will not rollover to the next year. HRA funds reset everyyear. Unused funds and moreYou can use your HRA dollars formedical deductible expenses only.Eligible expensesUsing your fundsMedical and prescriptionYour deductible will be automatically deducted from your HRA allowance first. Onceyour HRA is depleted, you may either pay out of pocket or use health care FSA funds.Health care dollars from Leader BankPay for eligible health care expenses with an HRA - funded byLeader Bank through The Sentinel Group.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

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2025 maximum contribution$3,300Annual rollover amount$660.00(use-it-or-lose-it)See plan details2025 maximum contribution$5,000Married filing separately: contribute up to$2,500 per person.See plan detailsEligible expensesFlexible SpendingAccounts (FSAs)Pay for eligible child or disabled adult care whileyou work or attend school.Dependent care FSAOnly the amount you’ve actually contributed isavailable for use at any one time.Estimate carefully! Unused funds will beforfeited at the end of the year per IRSregulations.You have un til March 15 of the following year to spend any leftover FSA funds. Enrolled in an HDHPplan and eligible for HSA contributions? You’re not eligible for a health care FSA, or Leader Bank’sHRA, but you can enroll in the Dependent Care FSA only. Pay for eligible medical, prescription, dental, and visionexpenses. You’ll get a debit card to pay for expenses.Health care FSAHealth and dependent care expenses can add up. Paying withtax-free funds can help. Enroll in one or more flexible spendingaccounts (FSAs) depending on your needs.Pay for qualifying expenses with tax-free money using yourFlexible Spending Account through The Sentinel Group.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

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In-network careLow PlanHigh PlanNetwork name:Delta Dental PPO Plus PremierAnnual Deductible (DED)$75 per person $225 family max$25 per person $75 family maxAnnual maximum benefit$1,250 per person $1,750 per person Preventive care100% covered100% coveredBasic careDED then you pay 30%DED then you pay 20%Major careDED then you pay 50%DED then you pay 50%Orthodontic careCoverageLifetime maximum benefitNot coveredN/A50% covered (child to age 19)$2,000 lifetime max benefitYour cost for coverage (Bi-weekly)Individual onlyFamilyPay Period$7.48$23.15Pay Period$9.64$29.83See plan detailsSee plan detailsStay in-network to avoid balance billing (the difference between what an out-of-network provider charges and the amount your insurance pays). Learn about dental care categoriesRollover Max - LowRollover Max - HighBoth plans cover in-network preventive care at 100%. The differences are: what you pay for the plan, what you pay when you get care, the maximum amount Delta will pay each year for dental care (annualmaximum benefit), andhow out-of-network care is covered, andwhether orthodontic care is covered.Select from two (2) dental options through Delta Dental MA.Dental insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Rollover Max Details

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Your 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.Vision planNetwork name:VSP ChoiceCoverage DetailsIn-networkAnnual eye exam (every 12 months/once per calendar year)$20 copayMaterials copay(lenses & frames)$20 up to $60 copayLenses (every 12 months/once per calendar year)Included in Prescription GlassesFrames(every 24 months/Every other calendar year)$200 allowanceContact lenses(every 12 months/once per calendar year)Elective: $200 allowanceMed. Nec.: No cost; copay may applyYour cost (Bi-weekly)Individual onlyFamilyPay Period$3.46$7.45See plan detailsYou'll get an annual exam with coverage for lenses and frames, or contacts in lieu of glasses.Your vision coverage is through VSP.Vision insuranceThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

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Create my membershipKGA Life Services Platform KGA Mobile App24/7/365 access to care.Call: 1-800-648-9557Website: https://www.kgreer.com/Email: info@kgreer.comTeam Member Assistance Program featuresConfidential. No one at Leader Bank will ever know you called orwhat was discussed.Available 24/7/365. Life doesn't happen during office hours. TheEAP is here when you need them.Family care is included. Anyone living in your home is eligible forEAP services at no cost.Access - Multicultural Support. Bilingual KGA counselors (Englishand Spanish). Includes Language Line (www.languageline.com |240+ languages!)Crisis Response/Support. Support for crises such as death of anemployee, robberies, and manmade or natural disasters.Access - KGA Mobile App. Contact KGA staff via phone, text/chat(M-F 9:00 am - 5:00 pm EST) or email.KGA’s Team Member Assistance Plan is a confidential service withaccess to guidance and resources at no cost for: mental health concerns (including substance abuse or addiction),Nutrition / Health, Diabetes, Food Allergies, Lactationadoption, parenting, or caregiving needs,financial or legal support,familial relationships and friendships,EldercareWhen needed, each person can receive up to three(3) Face-to-Face, Telephone, Video, and/or TextMessaging.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Team Member Assistance Programwith KGA!There's more to love with these extra benefits when you have KGA byyour side! KGA is a Human Resources services firm that helps LeaderBank create and sustain a healthy, engaged, and productiveworkforce!

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Coverage TypeBasic lifeBasic AD&DLeader Bank providesAn amount equal to 2x yourannual salary up to$500,000.The Principal sum amountis equal to the amount ofyour Life insuanceamountSee plan detailsLife insurance pays a benefit if you pass away while you're covered.Accidental Death and Dismemberment (AD&D) insurance offers additionalsupport if you pass away or are seriously injured due to an accident.Financial peace of mind through Mutual of Omaha.Life and AD&DinsuranceWhat's AD&D?Make sure to designate a beneficiary for your life insurance coverage toensure your family is cared for according to your wishes.Basic life and AD&D insurance Leader Bank provides life and AD&D insurance at no cost to you.Accidental death anddismemberment (AD&D)insurance may pay:your beneficiary if you passaway due to an accidentyou a partial benefit if youlose specified bodilyfunctions (sight, limbs, etc.)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.

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Benefits beginAccident: On the 8th day you're unable toworkIllness: On the 8th day of inability to work Coverage amount60% of your before-tax weekly earnings up to amaximum weekly benefit of $2,500Payments may continueUp to 12 weeks if you’re unable to return toworkSTD - Plan DetailsLTD - Plan DetailsPre-existing conditionlimitations Benefits beginAfter 90 days of inability to work (once short-termdisability ends)Coverage amount60% of your income up to $15,000 per monthPayments may continueUntil your Social Security Normal RetirementAge if you remain unable to work.Wish you knew more aboutfinances? Now you can - atno cost!Protect your paycheck with disability insurance throughMutual of Omaha.Disability coverage insures your paycheck, replacing a portion of your income if you’reunable to work due to a covered illness or injury.Short-term disability coverage can replace part of your paycheck ifyou’re unable to work for a shorter period of time. Leader Bankprovides this coverage at no cost to you / This coverage is availablefor purchase.Short-term disabilityLong-term disability coverage can provide lasting income protection ifyou remain unable to work. Leader Bank provides this coverage at nocost to you / This coverage is available for purchase.Long-term disabilitySee your benefit summary to learn more about the definition of "unable to work".DisabilityinsuranceIf you make a disability claim withinthe first year of being covered,check your plan details to see howpre-existing condition limitationsmight impact your coverage.Learn moreThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.MA PFML - Plan DetailsNY DBL - Plan Details

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See plan detailsPerk - Travel Assistance: Can help you, your spouse, and dependent children on anysingle trip, up to 120 days in length, more than 100 miles from home!Perk - Will Prep: Creating a will is an important investment in your future. Get startedat www.willprepservices.com. Use code: MUTUALWILLS to register.Team Member Assistance Program featuresConfidential. No one at Leader Bank will ever know you called or whatwas discussed.Available 24/7/365. Life doesn't happen during office hours. The TeamMember Assistance Program is here when you need them.Family care is included. Anyone living in your home is eligible for TheTeam Member Assistance Program services at no cost.Our Team Member Assistance Plan is a confidential service with access to guidance and resources atno cost. Get up to three (3) face-to-face visits with a licensed counselor per issue per year: 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, andso much more.Access support online, through live chat, or over the phone. 24/7/365.mutualofomaha.com/eap1-800-316-2796The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Additional perks withMutual of Omaha!

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See plan detailsSee plan detailsSee plan detailsToolkitAdditional benefit plans are a great way to customize your benefitspackage. Please note, the following benefit options and/or perksare Voluntary (100% employee paid).Identity theft protection through MetLife - Aura,helps monitor your credit and personal informationonline. You can buy coverage for yourself, yourspouse and/or your child(ren).Identity & Fraud ProtectionPre-paid legal care through LegalShield canprovide you with legal advice and consultationabout various topics at no added cost. Availabletopics include wills and estate planning, moneyand finances, driving or traffic matters and more.Legal services - LegalShieldProtect your furry best friend with Nationwide PetInsurance. You'll get access to licensedveterinarians for routine care, emergencies, labtests and wellness visits. Rates vary.Pet insurance - NationwideAdditional benefit options & perksThe information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Leader Bank is proud to offer team membersextensive professional development opportunitiesthrough ABA training courses/modules and otherinternal and external training resources.Professional DevelopmentCompany PerkZEUGMA + CHECKING ACCOUNTMinimum Deposit: $10Online Services: Free online banking, online billpayment, and mobile bankingEligibility: One (1) account per household(portfolio).Requirements:$1,000 in direct deposit or recurring ACH/wirecredit per month to checking account.1.Enroll in E-statements for checking account2.At least three (3) debit transactions per month(excluding internal transfers between accounts)from the checking account.3.Other Benefits: Free first order of checks, freefirst debit card, free traveler’s checks, free coincounting, and free Notary Services.Team Member Zeugma + Checking & Savings AccountsCompany Perk - Click here for additional detailsZEUGMA + SAVINGS ACCOUNTMinimum Deposit: $10Current Rate (APY) Terms Met: 5.00% APY(balances between $10 - $250,000) | 2.50% APY(for the portion of balances over $250,000)Current Rate (APY) Terms NOT Met: 2.50% APY(entire balance)Eligibility: One (1) account per household(portfolio), Closed loan (mortgage/HELOC) since2017, COD account maturing in 2025 OR existingResi-client, and Existing Zeugma + Checkingaccount.Requirements:Must have a Zeugma + Checking account1.Meet the three (3) Zeugma + Checking accountrequirements (on left) to receive the higher rate.2.

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Learn moreFIDELITY401K - YEARS VESTING SCHEDULEVesting Year 125%Vesting Year 250%Vesting Year 375%Vesting Year 4100%Set your future self up for financial stability with a 401(k) Plan through Fidelity.Eligibility: On the 1st following one month of employment. Age 21+, Full-Time team members.Account Login: www.401k.comContact: 1-800-835-5097401K Plan: A Savings plan that allows team members to contribute a fixed amount of income to aretirement account and defer taxes until withdrawal.Amount Contributions: You can contribute up to $23,500 or 50 to 59 or 64 or older will be ableto contribute up to $31,000 in 2025, and those 60 to 63 will be able to contribute up to $34,750in 2025 (Beginning in 2025, those between ages 60 and 63, will be eligible to contribute up to$11,250 as a catch-up contribution). Also, we have changed our matching from 20% of the first15% of compensation to 3% of your 401K contribution.Cost: Percentage of pay as determined by team member.Retirement SavingsPlanLearn how investing andsaving actually works - andcan work for you.The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.Reminder - Free 401K consultations from our Consultants Sapers & Wallack!

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STATUS(AS OF 01/01)AMOUNTELIGIBILITYFull-time Team Member2 WeeksProrated during 1st year based on DOHVice President & Assistant VP3 WeeksProrated during 1st year based on DOHSenior Vice President4 WeeksProrated during 1st year based on DOHFT Team Member - 5 years ofservice3 WeeksAdditional week is prorated based on anniversarydateFT Team Member - 10 years ofservice4 WeeksAdditional week is prorated based on anniversarydateVP & Assistant VP - 5 years ofservice4 WeeksAdditional week is prorated based on anniversarydateVP & Assistant VP - 10 years ofservice4 WeeksAdditional week is prorated based on anniversarydateSenior VP - 5 years of service4 WeeksAdditional week is prorated based on anniversarydateSenior VP - 10 years of service4 WeeksAdditional week is prorated based on anniversarydatePT Team Member(20+ hours per week)1 WeekNOTE - * Part-Time Team Members below 20-hours a week will have their vacation time pro-rated.PT Team Member(20+ hours per week)3 Years of service2 WeeksBENEEFITVacation*Full-Time (FT) Members are eligible January 1stNew Team Members PTO is based upon hire dateVacation accumulates per pay periodPAID TIME OFF The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.(additional details on next page)

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BENEFITSTATUS(AS OF 01/01)AMOUNTELIGIBILITYHolidaysFull-time Team Member11 DaysEligible at the date of HireHolidaysPT Team Member (20+hours per week) 11 DaysOnly Paid- if they are scheduled towork the holidayPaid Time Off *Full-Time Team Member 40 HoursEligible at Date of Hire(not eligible for use during 90 dayprobationary period)Paid Time Off *Part-Time Team Member 40 HoursEligible at Date of Hire(not eligible for use during 90 dayprobationary period)Bereavement LeavePlease refer to TeamMember Handbook fordetails 3/1 DaysFull-Time team members are eligibleat the date of hireBENEEFITVacation*Full-Time (FT) Members are eligible January 1stNew Team Members PTO is based upon hire dateVacation accumulates per pay periodVOLUNTEERPROGRAMLeader Bank’s Engagement Team now offers 8-hours of Volunteer timefor Team Members. Click on the following link to learn more details onhow to participate, the process of the program, and general FAQs. Leader Bank - New Volunteer Program! PAID TIME OFF (Continued)The information shown in this presentation is an illustrative summary only. The underlying plan contract or document governs all aspects of the plan. Final ratesare dependent on actual enrollment, insurance carrier or plan rules, plan selection, and eligibility criteria. Please refer to the plan document, contract, and othernotices contained in this document, applications, and other corresponding communications for additional information.NEW VOLUNTEER PROGRAM!

Leader Bank - 2025 Team Member Benefit Guide

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