SCHEDULE OF BENEFITS Policy Effective Date: January 1, 2016 Certificate Effective Date: January 1, 2025 Policy Anniversary Date: January 1 Policy Number: LK-964948 Eligible Class Definition: All active, Full-time, Employees of the Employer regularly working a minimum of 30 hours per week who are classified as Non Certified Employees. Eligibility Waiting Period If you were hired on or before the Policy Effective Date: First of the month following 45 days of active employment. If you were hired after the Policy Effective Date: First of the month following 45 days of active employment. Elimination Period 90 days Gross Disability Benefit The lesser of 66.67% of your monthly Covered Earnings rounded to the nearest dollar or your Maximum Disability Benefit. Maximum Disability Benefit $3,611 per month. Minimum Disability Benefit The greater of $100 or 10% of your Monthly Benefit prior to any reductions for Other Income Benefits. Disability Benefit Calculation The Disability Benefit payable to you is figured using the Gross Disability Benefit, Other Income Benefits and the Return to Work Incentive. Monthly Benefits are based on a 30-day month. The Disability Benefit will be prorated if payable for any period less than a month. During any month you have no Disability Earnings, the monthly benefit payable is the Gross Disability Benefit less Other Income Benefits. During any month you have Disability Earnings, benefits are determined under the Return to Work Incentive. Benefits will not be less than the minimum benefit shown in the Schedule of Benefits except as provided under the section Minimum Benefit. "Other Income Benefits" means any benefits listed in the Other Income Benefits provision that you receive on your own behalf or for your dependents, or which your dependents receive because of your entitlement to Other Income Benefits. 1