FROM THE DESK OF OUR PRESIDENT TABLE OF CONTENTS

Dear Valued Employees,

HOMB/Centennial Bank understands how important your healthcare is to you and your family.

We recognize that insurance premiums and medical expenses are increasing throughout the country. Centennial Bank will offer three ways to potentially help you lessen the impact of those expenses through Health Savings Account (HSA) funding.

During open enrollment, a $250 lump sum will be deposited into all HSAs with the first payroll of the year for those who elect to open an account or have an existing account. Throughout the 2020 plan year you can also receive up to an additional $250 in HSA match. And finally, you can receive up to an additional $100 in your HSA by utilizing Preventive Care services.

For those who prefer, we will continue to offer a Flexible Spending Account (FSA).

The 2020 plan year will be our fifth consecutive year to offer high deductible health plans (HDHPs) and we will remain with United Healthcare. However, this year we will offer a third option with a lower deductible. To learn about all of our Health plan benefits, I encourage you to attend one of our many open enrollment webinars. If you find that you still have questions regarding our plans, please reach out to the Human Resources department, or our insurance broker, The Hatcher Agency.

It is our goal to provide resources that allow you to make educated decisions regarding your healthcare needs.

I appreciate your dedication and commitment; together we will continue the success of Centennial Bank.

Tracy FrenchChairman, President and Chief Executive Officer

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Medical Benefits

Maximum Out-of-Pocket Illustration

Health Savings Account & Wellness Incentives

4 - 7 HSA & FSA FAQ’S and Eligible/Non Eligible Expenses

8 - 9 UHC VIRTUAL VISITS

10 Compass/Alight Professional Health Services

11 Dental Benefits

12 Vision Benefits

13 Voluntary Group Life with AD&D

14 - 15 5 Star Term to 121 Life Insurance

16 Short and Long Term Disability Insurance

17 Cancer Insurance

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19

20

Accident Insurance

Critical Illness Insurance

Hospital Indemnity

21 Legal Shield and ID Shield

22 Frequently Asked Questions

23 - 24 Commuter Benefits

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26

401k Information

Terms to Know

27 Contact Information

FROM THE DESK OF OUR PRESIDENT TABLE OF CONTENTS

Need more information?Important Contact and Carrier information can be found on page 27.

DISCLOSURES AND DISCLAIMERThis benefits book is not intended to be exhaustive and is not a summary plan description (SPD). This is a brief summary of your benefits. Please refer to your coverage booklets

for more information. These booklets can be found at : www.my100bankbenefits.comActive Employment (applies to group insurance products) You are considered in active employment, if on the day you apply for coverage, you are being paid regularly by

Centennial Bank for the required minimum hours each week and you are performing the material and substantial duties of your regular occupation. Actively at Work Being actively at work means on the day you apply for coverage, you are working at Centennial Bank for the required minimum hours each week. If you are applying for coverage on a day that is not one of your scheduled work days, then you’ll be considered actively at work if you meet this definition as of your last scheduled workday. Employees are not

considered actively at work if their normal duties are limited or altered due to their health, or if they are on a leave of absence. Additional Information (applies to all individually owned policies) This material is intended to be a brief description of the policy. The policy definitions, exclusions, and limitations will be used to determine actual benefit

decisions. Product availability and provisions may vary by state.

MEDICAL BENEFITS

Plan OptionsHDHP AP4Y / 0HY Plan HDHP AFBR / 039 PlanEmbedded HDHP AP3S / 039 Plan

DeductibleIndividual

Family$3,500$7,000

$4,000$8,000

$1,500$3,000

Coinsurance Percentage you are responsible for after your deductible

has been met0% 20% 20%

Out of Pocket MaximumThis includes your deductible

Individual: $3,500 Family: $7,000

Individual: $5,000 Family: $10,000

Individual: $3,000Family: $6,000

Covered ServicesHDHP AP4Y :

You PayHDHP AFBR Embedded:

You PayHDHP AP3S / 039 Plan

You PayOffice Visits

Primary Care DoctorSpecialist

0% after deductible0% after deductible

20% after deductible20% after deductible

20% after deductible20% after deductible

Wellness Services0% Covered in full 0% Covered in full 0% Covered in full

Emergency Medical CareEmergency RoomUrgent Care Clinic

0% after deductible0% after deductible

20% after deductible20% after deductible

20% after deductible20% after deductible

AmbulanceGround or Water

Air0% after deductible0% after deductible

20% after deductible20% after deductible

20% after deductible20% after deductible

Hospital ServicesInpatient

Out Patient0% after deductible0% after deductible

20% after deductible20% after deductible

20% after deductible20% after deductible

Prescription Benefits (In Network) 0% after deductible 20% after deductible 20% after deductible

Below is a brief summary of the In-Network Benefits available to you. For a detailed description and information on Out -of-Network benefits, please refer to the plan summaries available to you at: www.my100bankbenefits.com

Your Cost (Includes Medical & Rx but does not include H.S.A.)

Per pay period (24) HDHP AP4Y / 0HY PlanHDHP AFBR / 039 Plan

Embedded HDHP AP3S / 039 Plan

Employee OnlyEmployee + Spouse

Employee + Child(ren)Employee + Family

$85.70 $215.70 $155.70$282.70

$60.70$180.70$140.70$240.70

$125.70$280.70$215.70$350.70

NOTE: If the individual premium contribution exceeds 9.78% of your annual gross income, please contact Human Resources to discuss your deduction.

WHO IS IN NETWORK? Visit: www.myuhc.com or call (800) 842-8000 to find an In-Network provider or pharmacy.

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MAXIMUM OUT-OF-POCKET ILLUSTRATION

United HealthCare $3,500 Deductible - HDHP Plan

Enrolled Tier Employee Only Employee +Spouse

Employee +Child(ren)

Family

Annual Premium $2,056.80 $5,176.80 $3,736.80 $6,784.80

Deductible $3,500 $7,000 $7,000 $7,000

Coinsurance 0% 0% 0% 0%

Maximum Out-of-Pocket $3,500 $7,000 $7,000 $7,000

Maximum Out-of-Pocket with Annual Premium

$5,557 $12,177 $10,737 $13,785

United HealthCare $4,000 Deductible - HDHP Plan - EMBEDDED

Enrolled Tier Employee Only Employee +Spouse

Employee +Child(ren)

Family

Annual Premium $1,456.80 $4,336.80 $3,376.80 $5,776.80

Deductible $4,000 $8,000 $8,000 $8,000

Coinsurance 20% 20% 20% 20%

Maximum Out-of-Pocket $5,000 $10,000 $10,000 $10,000

Maximum Out-of-Pocket with Annual Premium

$6,457 $14,337 $13,377

$15,777

United HealthCare $1,500 Deductible - HDHP Plan

Enrolled Tier Employee Only Employee +Spouse

Employee +Child(ren)

Family

Annual Premium $3,016.80 $6,736.80 $5,176.80 $8,416.80

Deductible $1,500 $3,000 $3,000 $3,000

Coinsurance 20% 20% 20% 20%

Maximum Out-of-Pocket $3,000 $6,000 $6,000 $6,000

Maximum Out-of-Pocket with Annual Premium

$6,017 $12,737 $11,177

$14,417

These tables illustrate the maximum you/your

family could be out-of-pocket for the

plan year. This information demon-

strates the worst case scenario.

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HSA & WELLNESS INCENTIVES Health Savings Account Contribution Opportunities On the first payroll of the year, Centennial Bank will make a one-time lump sum Health Savings Account (HSA) contribution of $250 for all employees that elect a HSA offered during open enrollment. Below are other ways you can qualify to receive additional funds deposited into your HSA account by Centennial Bank. Throughout the 2020 plan year, you can also receive up to an additional $250 in HSA match contributions from Centennial Bank. Centennial Bank will match your HSA contributions dollar for dollar, up to a maximum of $250. The match contributions will be paid on the pay dates listed below. Example - If you have contributed $50 to your HSA through payroll deduction by March 7th, Centennial Bank will match your contributions and add $50 to your HSA. However, if by March 7th you have contributed $500, then Centennial Bank will contribute the whole $250 to your HSA at that point. Those who enroll or begin contributing to the plan throughout the year are eligible for the match contribution incentive. Please remember, your maximum HSA contribution limits are established by the IRS. Maximum limits include both employee and employer contributions. (See the IRS Contributions limits on a Health Savings Account on the next page)

2020 HSA Match Contribution Schedule March 12, 2020 May 7, 2020 July 2, 2020 October 8, 2020

*Maximum HSA eligible to receive through match is $250. An additional source of HSA contributions is based on participating in preventative care services, included in your health plan. Below are the methods in which you can earn contributions, which are applicable to Centennial Employees only.

Wellness Vaccines - $20 one time HSA contribution from Centennial Examples: Flu Shot, Shingles vaccination (age restrictions apply) Age Specific Screening - $30 one time HSA contribution from Centennial Examples: Colonoscopy (age restrictions apply), Mammogram Annual Physical - $50 one time HSA contribution from Centennial Examples: Annual routine physical with a Qualified Medical Provider, PSA exam

*Maximum HSA eligible to receive through preventative care services is $100.

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HEALTH SAVINGS ACCOUNT (HSA) FAQ’S

Q: What is a Health Savings Account? A: A health savings account (HSA) is a tax-advantaged medi-cal savings account available to taxpayers in the United States who are enrolled in a High-Deductible Health Plan (HDHP). The funds contributed to an account are not subject to feder-al income tax at the time of deposit.

Q: Can anyone open a HSA? A: No. In order to open an HSA you must be enrolled in a Qualified High Deductible Health Plan (QHDHP).

Q: How much can I contribute each year? A: IRS limits on a Health Savings Account (HSA) plan for 2020 are $3,550 per year (Employee Only) or $7,100 for Family (Employee + 1). If you are 55 or older, you can also make "catch-up" contributions of up to $1,000 per year above those limits. If at the end of the plan year, you have contributed more than the recommended maximum, and you were not covered under a HDHP for the entire calendar year, your extra contribution may be taxed as income. This amount is also subject to a penalty tax.

Q: How much can I spend each year from my HSA account? A: The only spending limit is your HSA account balance. Just like your regular bank account, you can only withdraw up to the amount in your account at that point in time. Any unused funds will roll over from year to year. You do not lose any funds if they are not used by the end of the year.

Q: What can I spend my HSA funds on? A: You can use HSA funds for any expense accepted by the IRS as a legitimate medical expense, such as doctor visits, therapy, hospitalization, prescriptions, vision care, dental etc. To be eligible, the expense must be incurred on or after the date the HSA account was opened. HSA funds can also be used for health insurance premiums such as COBRA and TEFRA/Medicaid. Please refer to page 6 for a list of eligible and ineligible expenses.

Q: Can I spend HSA funds on family members who are not on my health plan? A: If you have Employee Only (HDHP) coverage, and your spouse or dependents have separate health coverage that is not a High-Deductible Health Plan, you can still use your available HSA funds to pay their medical expenses as long as you file a Federal tax return that includes that person as a joint filer or dependent. Your dependent is not allowed to file a claim with their FSA and with your HSA.

Q: How do I access my funds? A: You will receive a DataPath Debit MasterCard that is linked to your HSA account. This is a limited-purpose MasterCard which is coded for medical providers only. Swipe the card just as you would any credit card. Although you have the option of setting a PIN, no PIN is required. The card lets you cover expenses without having to pay out-of-pocket first and then wait for reimbursement. If your medical provider does not ac-cept credit cards or for whatever reason you did not use your DataPath Debit MasterCard to pay the expense, then you can submit a claim for reimbursement.

Q: I’m going to become eligible for Medicare late this year. Can I still have a HSA? A: If any part of Medicare is elected, you cannot contribute any more money after your Medicare effective date. However, you may continue to use up any funds previously contributed.

Q: If I elected a HSA for 2020, but drop my medical coverage later in the year, can I continue to use my HSA funds?A: Yes. However, you will no longer be able to contribute mon-ey to your HSA account unless you are enrolled in a qualified High Deductible Health Plan.

Q: How long can I contribute to a HSA? A: As long as you are enrolled in a qualified HDHP, you cancontribute to a HSA account until you enroll in Medicare.

Q: If I had a FSA account for 2019, can I keep that account and add a HSA account for 2020? A: The IRS states you cannot contribute to both a FSA and a HSA at the same time. Therefore, you must wait until your FSA plan year ends before you can begin contributing to your new HSA account. In order to contribute funds into your HSA after utilizing an FSA in 2019, all FSA funds must be depleted or you must contribute after March 15, 2020 – whichever scenario applies first will indicate your HSA contribution start date.

Q: How are office visits and prescriptions charged on myHSA Health Plan?A: On the HSA Health Plan option, you will pay 100% of the allowed charge for the visit or drug, until you reach your max-imum out-of-pocket. Once you fulfill the deductible/maximum out-of-pocket your office visit copays and prescription costs are covered 100% in network by the plan.

Q: Are there any fees associated with my HSA? A: Yes, however Centennial Bank is covering the administra-tive fees for active employees. However, if an employee terms, they can take the account with them and there is a $4 monthly maintenance fee.

FLEXIBLE SPENDING ACCOUNT (FSA) FAQ’S

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FLEXIBLE SPENDING ACCOUNT (FSA) FAQ’S

Q: What is a Flexible Spending Account? A: A flexible spending account (FSA) is an employer-sponsored plan that allows to deduct dollars from your paycheck and deposit them into a special account that’s protected from taxes. FSA accounts are exempt from federal taxes, Social Security (FICA) taxes and, in most cases, state income taxes. The money in an FSA can be used for eligible health and/or dependent care expenses that are incurred while you are participating in the plan.

Q: When does my FSA become effective? A: Your FSA becomes effective on the 1st of the month after you enroll. Unlike other plans, an FSA does not start on yourhire date. Contributions to your account begin as soon as administratively possible after you enroll.

Q: How do I participate in a FSA? A: To participate, you must enroll within your waiting period after your date of hire, or elect to participate during annual Open Enrollment. If you have a life event change (for example, birth or adoption of a child), then you may be able to enroll without waiting for annual Open Enrollment, if you enroll within 31 days of the change.

Q: What does it mean to incur expenses? A: The IRS considers expenses to be "incurred" at the time you receive medical care or dependent care--not when you are formally billed or actually pay for services. Only eligible expenses you incur within the plan year, including any employer-allowed grace period, are eligible for reimbursement.

Q: Who qualifies as an eligible dependent? A: An eligible dependent is any dependent for which an employee pays a provider to care for him/her whilethey are at work or looking for work. The dependent must be under the age of 13 or incapable of taking care of themselves, and live in the employee’s home for more than half of the year.

Q: How often can I request reimbursements? A: Reimbursements can be requested as often as qualified expense are incurred. Expenses must be incurred during the plan year and the reimbursement must be requested before the end of the run-out period (or grace period if applicable).

Q: Can I change my election or stop contributing money to my FSA at any time during the plan year?A: Federal regulations state that once you have enrolled in an FSA, you cannot change your election amount unless you have a qualifying life event. Your employer can give you a list of permitted change events.

Q: How much will I really save in taxes by contributing to an FSA? A: Generally, contributions you make to your FSA are not subject to federal or social security taxes. In most instances, there are no state taxes taken out either. The amount you may save depends upon: (1) The amount you put into your FSA. (2) The tax percentage you would normally pay on that money (tax bracket).

Let's say you want $2,000 taken out of your paycheck this year to put into your FSA. The money you direct to your FSA is taken out of your check before taxes are taken out. That reduces your taxable income by $2,000. Let's say you normally pay 30 percent in federal, social security and state taxes on your income. In this example, you would enjoy a tax savings of 30 percent of the $2,000. In other words, you could get a $600 tax savings on the $2,000 you directed to your FSA. Plus the new rollover feature assures that any unused balance of up to $500 will still be there for you in the next plan year.

Q: What type of flexible spending plans are there? A: (1) Health Care FSA: Covers medical, prescription, dental and vision expenses. (2) Dependent Care FSA: Covers dependent care expenses including daycare, nursery school and day camp for children, and services for adult dependents who cannot care for themselves.

Section 125 FSA and Dependent Care 2020 Contribution

Maximums:

FSA: $2,750 per participant per plan year.Dependent Care: $5,000 per plan year and calendar year for the head of household or married filing joint tax return; $2,500 per plan year and calendar year for married filing separate tax return.

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HSA & FSA ELIGIBLE EXPENSESHSA/FSA Eligible Health Care Expenses

Please note that DataPath Administrative Services does not intend this list to be comprehensive tax advice. For more detailed information, please consult IRS Publication 502 or see your tax advisor.

AcupunctureAlcoholism treatmentAllergy shots and testingAmbulance (ground or air)Artificial limbsBlind services and equipmentCar controls for handicapped*Chiropractor servicesCoinsurance and deductiblesContact lensesCrutches, wheelchairs, walkersDeaf services -- hearing aid/batteries, hearing aid animal & care, lip reading expenses, modified telephone, etc.Dental treatmentDenturesDiagnostic testsDoctor’s feesDrug addiction treatment & facilitiesDrugs (prescription)

Eye examinations and eyeglassesHome health and/or hospice careHospital servicesInsulinLaboratory feesLASIK eye surgeryMedical alert (bracelet, necklace)Medical monitoring and testing devices*Nursing servicesObstetrical expensesOcclusal guardsOperations and surgeries (legal)OptometristsOrthodontiaOrthopedic servicesOsteopathsOxygen/oxygen equipmentPhysical exams (except for employment related physicals)Physical therapy

Psychiatric care, psychologists, psychotherapistsRadial keratotomySchools (special, relief, or handicapped)Sexual dysfunction treatmentSmoking cessation programsSurgical feesTelevision or telephone for the hearing impairedTherapy treatments*Transportation (essentially and primarily for medical care; limits apply)VaccinationsVitamins*Weight loss programs*X-rays

*if prescribed for a particular ailment ormedical condition; provider letter required.

COPY OF PRESCRIPTION AS WELL AS DETAILED RECEIPT REQUIRED FOR RE-IMBURSEMENT:Acne medications & treatmentsAllergy & sinus, cold, flu & cough reme dies (antihistimines, decongestants, cough syrups, cough drops, nasal sprays, medicated rubs, etc.)Antacids & acid controllers (tablets, liquids, capsules)Antibiotic & antiseptic sprays, creams & ointmentsAnti-diarrhealsAnti-fungalsAnti-gas & stomach remediesAnti-itch & insect bite remediesAnti-parasiticsDigestive aidsBaby care (diaper rash ointments, teething gel, rehydration fluids, etc.)Contraceptives (condoms, gels, foams, suppositories, etc.)Eczema & psoriasis remediesEye drops, ear drops, nasal sprays

First aid kitsHemorrhoidal preparationsHydrogen peroxide, rubbing alcoholLaxativesMedicated bandaids & dressingsMotion sickness remediesNicotine patches and medications (smoking cessation aids)Pain relievers (aspirin, ibuprofen, acetaminophen, naproxen, etc.)Sleep aids & sedativesWart removal remedies, corn patches

ELIGIBLE FOR REIMBURSEMENT WITHDETAILED RECEIPT ONLY (NO PRESCRIPTIONREQUIRED):Breast pumps for nursing mothersBraces & supportsContact lens solutionCPAP equipment & suppliesOTC varieties of InsulinDiabetic testing supplies/equipment

Durable medical equipment (power chairs, walkers, wheelchairs, etc.)Home diagnostic (pregnancy tests, ovulation kits, thermometers, blood pressure moni tors, etc.)Non-medicated bandaids, rolled bandages & dressingsReading glasses

All OTC items listed are examples

HSA/FSA Eligible OTC Medications and Products

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HSA/FSA Non-Eligible Health Care Expenses

Advance payment for services to be renderedAutomobile insurance premiumallocable to medical coverageBoarding school feesBody piercingBottled waterChaueur servicesControlled substancesCosmetic surgery and proceduresCosmetic dental proceduresDancing lessonsDiapers for InfantsDiaper serviceEar piercing

ElectrolysisFees written off by providerFood supplements Funeral, cremation, or burial expensesHair transplantHerbs & herbal supplementsHousehold & domestic helpHealth programs, health clubs, & gymsIllegal operations and treatmentsIllegally procured drugsInsurance premiums (not reimbursable under FSA)Long-term care servicesMaternity clothesMedical savings sccounts

Premiums for life insurance, income protection, disability, loss of limbs, sight or similar benefi tsPersonal itemsPreferred provider discountsSocial activitiesSpecial foods and beveragesSwimming lessonsTattoos/tattoo removalTeeth whiteningTransportation expenses to & from workTravel for general health improvementUniformsVitamins & supplements without prescription

HSA/FSA Non-Eligible OTC ProductsThe following are examples of Over-the-Counter (OTC) medications and products

which are NOT ELIGIBLE for HSA/FSA reimbursement.

AromatherapyBaby bottles & cupsBaby oilBaby wipesBreast enhancement systemCosmetics (including face cream & moisturizer)Cotton swabsDental fossDeodorants & anti-perspirants

Dietary supplementsFeminine care itemsFiber supplementsFoodFragrancesHair regrowth preparationsHerbs & herbal supplementsHygiene products & similar itemsLow-carb & low-fat foodsLow calorie foods

Lip balmMedicated shampoos & soapsPetroleum jellyShampoo & conditionerSpa saltsSuntan lotionToiletries (including toothpaste)Vitamins & supplementswithout prescriptionWeight loss drugs for general well-being

HSA & FSA NON-ELIGIBLE EXPENSES

How much can I save? We have a great example of a Tax Savings Calculator on your Centennial Bank Benefits Website!Check it out at www.my100bankbenefits.com/fsapassword: cenbenefits

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UHC VIRTUAL VISITS

Sick with the flu?See a doctor whenever, wherever.When you’re sick and need care quick, a Virtual Visit is a convenient way to start feeling better faster.

With a Virtual Visit, you can see and talk to a doctor via mobile device or computer – 24/7, no appointment needed. The doctor can give you a diagnosis and prescription*, if needed. And with a United Healthcare plan, your cost is $50 or less. And even better, that $50 cost goes towards your Deductible.

To get started with a Virtual Visit, go to uhc.com/virtualvisits.

Get care in 20 minutes or less.Prepare for your Virtual Visit.Have these three items ready to register and complete your Virtual Visit:

• Health plan ID card• Credit card (HSA and FSA can be applied)• Pharmacy location

Go to www.uhc.com and log in with your username and password. You will be taken to your Member Dashboard where you can find a Doctor,manage your prescriptions, see claims and more. Towards the bottom right, click on “Connect with a Doctor Online”.See example below.

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UHC VIRTUAL VISITS UHC VIRTUAL VISITS CONT.

UHC allows you to choose between 3 Virtual Visit Providers:1. Teladoc2. Amwell3. dr+ on demand

You can see which states where Virtual Visit Providers diagnose and prescribe medication.

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COMPASS PROFESSIONAL HEALTH SERVICES

Let us handle the healthcare stuff.

Health benefits can be confusing, medical costs are rising, and finding the right care for you and your familycan be frustrating and time consuming. We are here to simplify your healthcare experience and help you

take control of healthcare costs. Your personal Health Pro® consultant will take care of you, so you canspend more time on what matters most. We can help you…

• Understand your benefits Clear up any confusion about your health plan.• Find great doctors Locate highly-rated doctors, dentists and eye care professionals.• Save money on healthcare Compare prices and choose more cost-effective options.

• Pay less for prescriptionsGet recommendations for lower-cost medications.• Resolve billing errorsOver 30% of medical bills are wrong.Don’t get overcharged.• Schedule appointmentsHave your appointments scheduled at timesmost convenient for you.

DENTAL BENEFITS

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DENTAL BENEFITS

Delta Dental PPO Plus Premier Plan PPO or Premier Network

DeductibleCalendar Year

$75 Per PersonMaximum of $225 per family

Preventive ServicesCleanings, Exams, X-Rays,

Flouride treatments (children to 19), Sealants (children to 16)

100% CoveredDeductible does not apply

(Employee and their family pays 0%)

Basic ServicesSimple Extractions,

Endodontics (root canal)Fillings, Oral Surgery

80% Covered After deductible has been met(Employee and their family pays 20%)

Major ServicesPeriodontics Surgery (gum disease)

Dentures, Crowns, Bridges

50% CoveredAfter deductible has been met

(Employee and their family pays 50%)12 Month wait for Major Services for Late Entrants!

Orthodontic ServicesFor children to age 19

50% Covered After deductible has been met$1,000 Lifetime Maximum benefit for each covered child

(Employee and their family pays 50%)

Annual Maximum $1,250per person

Your Cost Per Pay Period (24)Employee OnlyEmployee + SpouseEmployee + Child(ren)Employee + Family

$7.29$14.49$16.58$20.91

Note: Children may be covered to age 26, if they are a qualified tax dependent.

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VISION BENEFITS

Superior Vision In-Network Benefits Out-of-network Reimursement

Exam CopayMaterials Copay

Contact Lens Fitting

$15$15$30

Up to $42 (Opthamologist); $36 (Optometrist)Not CoveredNot Covered

Lenses (standard) Per Pair: Single Vision

Bifocal Trifocal

100% covered100% covered100% covered

Up to $28Up to $42Up to $56

Frames $150 Retail Allowance Up to $100 Retail Allowance

Contact Lenses $150 Retail Allowance Up to $70 Retail Allowance

Refractive Surgery (LASIK) 15-50% Discount Not Covered

Your Cost Per Pay Period (24)Employee OnlyEmployee + SpouseEmployee + Child(ren)Employee + Family

$3.84$7.68$7.29

$12.88

Note: Children may be covered to age 26, if they are a qualified tax dependent.

Find a ProviderYou can find a vision provider by visiting https://www.superiorvision.com/Member/locate_provider

You can also call Customer Service at 1-800-507-3800 for further help.

* Upgraded benefits could result in additional charges at the discounted Superior Vision price. Examples include: progressive lenses, scratch coating, UV protection, etc.

Service FrequencyExamFramesLensesContact Lenses & Fitting

12 Months12 Months12 Months12 Months

Note: The member must choose between either Frames & Lenses OR Contacts. The allowance will not apply to both Lenses/Frames and Contacts in one 12 month period

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LIFE / AD&D INSURANCE

All active benefit eligible employees are provided with a Group Life and AD&D plan with Principal. This benefit is covered by Centennial Bank at no cost to you.

If you earn less than $84,000, your benefit is 3 times your annual salary up to $250,000. Your AD&D benefit is equal to your life insurance benefit.

If you earn $84,000 or more, your benefit is 3 times your annual salary up to $1,000,000. Your AD&D benefit is equal to your life insurance benefit.

If you are age 65 or older your benefits will reduce according to the following age reduction schedule: Age 65 but less than age 70 will reduce to 65% of benefit.Age 70 but less than age 75 will reduce to 50% of benefit.

Age 75 and over will reduce to 35% of benefit.

Accidental Death and Dismemberment (AD&D)This additional benefit doubles the face value of your death benefit should you become deceased in an accident. In addition, there are specified benefit amounts which cover accidental bodily injuries such as the loss of a hand, foot or eye. Review the Certificate of Coverage for additional information.

BENEFICIARY: Please make sure your life insurance beneficiary is up to date! You can update your beneficiary at any time throughout the plan year.

Voluntary Term Life: Employee and DependentsEmployee life coverage is available in $10,000 increments, subject to a minimum of $10,000 and a maximum of 7x your salary up to $500,000.

Spouse life coverage is available when an employee is covered. Spouses may elect coverage in $5,000 increments, to a maximum of 50% of the employee’s amount up to $250,000.

Child life coverage is available for a flat $10,000 benefit (children 15 days and older), when an employee is covered. A $1,000 benefit is available for children 1 to 14 days of age.

GUARANTEE ISSUE FOR NEW HIRES - Voluntary Term Life• Up to $300,000 in employee coverage is available without any evidence of insurability requirement • Up to $30,000 in spouse coverage • Up to $10,000 in child coverage is available

Your Cost Per Pay Period (24)Rates will be available during your

enrollment session.

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5 STAR TERM TO 121 LIFE INSURANCE

PREPARE FOR THE FUTURE. PROTECT YOUR LOVED ONES

Customizable With several options to choose from, select the coverage that best meets the needs of your family.

Family Coverage

You can get coverage for your spouse and financially dependent children (14 days to 19 years old, 26 if full time student), even if you don’t elect coverage on yourself. Nomatter what the future brings, you and your family are protected.* Coverage must be written on Employee or Spouse for child rider to be available

Portable Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We simply bill you directly.

Terminal Illness Acceleration of Benefits

Coverage pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life span of less than 12months (24 months in IL).

Protection You Can Count On

Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary, unless the death is within the two-year contestability period and/or under investigation. This coverage has no war or terrorism exclusions.

Quality of Life Rider

Optional benefit that accelerates a portion of the death benefit on a monthly basis up to 75% of your benefit, and is payable directly to you on a tax favored basis for the following:Permanent inability to perform at least two of the six Activities of Daily Living (ADLS) without substantial assistance or permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.

Scanlon, J.,Terry, K., Leyes, M., 2018 Insurance Barometer Study. Retrieved from www.limra.com/Research/Abstracts_Public/2018/2018_Insurance_Barometer.aspx. Please note there is a cost associated with this research paper. Underwritten by 5Star Life Insurance Company (777 Research Drive, Lincoln, NE 68521), administered by NTT. Product not available in all states. Policy #: ICC18-GFPPPOL

85%of people said they thought mostpeople need life insurance.

Nearly

59%said that they havecoverage themselves

Yet only

33%wish their spouse or partner had more life insurance.*

And

5 STAR RATE TABLE

14

5 STAR RATE TABLE

Guarantee IssueFor this initial enrollment and for future new hire employees, Centennial Bank was approved for the guarantee issue

amounts below.Employee: $100,000 Spouse: $30,000 Children: $10,000

Note: for future enrollments medical underwriting will be required. This is an initial guarantee issue only.

Rate Sheet: Semi-Monthly Rates with Quality of Life Rider Defined Benefit (FPPg)

Child Life Per Pay Period (24)Available only on children of employee or

spouse, 14 days to 19 years or 26 if full time student.

$1.00 $10,000 benefit

The rates listed above are not per child, this cost will cover all of your children

within the age restrictions listed.

IMPORTANT: You must cover one parent with 5 Star Life coverage in

order to cover your child(ren). If you do not cover yourself (the employee) or your spouse you cannot cover your

child(ren).

NotesQuality of Life not available if you purchase this policy between ages 66-70. If you purchase your policy prior to these ages you will have

Quality of Life coverage.

Quality of Life benefits are not available for children.

FPPg Rate Sheet

Semi-Monthly Rates with Quality of Life Rider Defined Benefit

Issue Age $10,000 $20,000 $30,000Spouse G.I.

$50,000 $75,000 $100,000Employee G.I.

18 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2119 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2120 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2121 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2122 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2123 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2124 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2125 $4.94 $6.65 $8.34 $11.73 $15.97 $20.2126 $4.96 $6.66 $8.38 $11.79 $16.06 $20.3427 $4.99 $6.73 $8.47 $11.95 $16.31 $20.6728 $5.04 $6.83 $8.62 $12.20 $16.69 $21.1729 $5.12 $6.98 $8.84 $12.57 $17.22 $21.8830 $5.21 $7.18 $9.14 $13.07 $17.97 $22.8731 $5.31 $7.39 $9.45 $13.59 $18.76 $23.9132 $5.44 $7.62 $9.80 $14.17 $19.63 $25.0933 $5.56 $7.86 $10.16 $14.77 $20.54 $26.3034 $5.70 $8.15 $10.61 $15.50 $21.63 $27.7535 $5.86 $8.47 $11.08 $16.29 $22.81 $29.3436 $6.03 $8.83 $11.61 $17.19 $24.16 $31.1237 $6.24 $9.21 $12.20 $18.16 $25.63 $33.0938 $6.44 $9.63 $12.82 $19.19 $27.16 $35.1339 $6.67 $10.08 $13.51 $20.34 $28.87 $37.4240 $6.91 $10.58 $14.24 $21.56 $30.72 $39.8841 $7.19 $11.13 $15.07 $22.94 $32.78 $42.6242 $7.49 $11.73 $15.97 $24.45 $35.06 $45.6743 $7.80 $12.35 $16.90 $26.00 $37.37 $48.7544 $8.13 $13.01 $17.89 $27.65 $39.85 $52.0545 $8.47 $13.68 $18.90 $29.33 $42.38 $55.4246 $8.84 $14.42 $20.01 $31.17 $45.13 $59.0847 $9.21 $15.18 $21.14 $33.06 $47.97 $62.8848 $9.60 $15.94 $22.29 $34.98 $50.84 $66.7149 $10.02 $16.77 $23.54 $37.06 $53.97 $70.8850 $10.47 $17.68 $24.90 $39.33 $57.38 $75.4251 $10.97 $18.69 $26.42 $41.86 $61.15 $80.4652 $11.56 $19.86 $28.18 $44.79 $65.56 $86.3453 $12.21 $21.17 $30.12 $48.04 $70.44 $92.8454 $12.95 $22.63 $32.33 $51.71 $75.94 $100.1755 $13.72 $24.19 $34.65 $55.59 $81.75 $107.9256 $14.59 $25.94 $37.28 $59.96 $88.31 $116.6757 $15.49 $27.74 $39.99 $64.48 $95.10 $125.7158 $16.42 $29.59 $42.76 $69.10 $102.03 $134.9659 $17.37 $31.49 $45.60 $73.84 $109.12 $144.4260 $18.36 $33.46 $48.58 $78.79 $116.57 $154.3461 $19.39 $35.52 $51.67 $83.94 $124.28 $164.6362 $20.47 $37.68 $54.90 $89.33 $132.38 $175.4263 $21.61 $39.97 $58.34 $95.06 $140.97 $186.8864 $22.86 $42.47 $62.07 $101.29 $150.32 $199.3465 $24.25 $45.25 $66.25 $108.25 $160.75 $213.2566 $24.56 $45.88 $67.19 $109.81 $163.09 $216.3867 $26.31 $49.37 $72.43 $118.54 $176.19 $233.8368 $28.29 $53.33 $78.38 $128.46 $191.06 $253.6769 $30.55 $57.84 $85.14 $139.73 $207.97 $276.2170 $33.09 $62.93 $92.76 $152.44 $227.03 $301.63

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DISABILITY INSURANCEShort Term DisabilityThere are going to be times when you have to miss work for several weeks, even a month or two due to an illness, injury, or accident. How are you going to pay the bills? Maybe you have a week or two of sick leave or earned time off, but after that, what happens?

Centennial Bank provides you an opportunity to purchase short term disability insurance from Principal. This policy will pay you 60% of your income when you become disabled due to a covered illness or off-the-job accident.• This benefit pays up to 12 weeks if you are deemed disabled by your physician.• Benefits are available after you have been unable to work for 7 calendar days due to a covered illness or injury.• Your premiums are paid with post tax dollars; therefore the benefits you receive are not taxed, under current IRS laws.• Deductions are calculated each pay period based on your current salary. Deductions may vary.

If you do not enroll in this benefit at the first time offering, you will be required to pass Evidence of Insurability and could be declined.

Long Term DisabilityWhat would happen if you were seriously injured in a car accident or diagnosed with cancer? You may eventually get better but it may take a long time; it is also possible you might never be able to return to work. In addition to dealing with health issues, how would you make your house and car payments, buy food, clothing and other essentials?

Centennial Bank provides Long Term Disability benefit at no cost to you! There is a 90-day elimination period before this benefit will begin to pay. Once you are disabled for 90 days (as defined by the plan) the benefit will pay 66 2/3% of your pre-disability monthly earnings, to a maximum of $15,000 per month.

Your LTD benefits are payable for the period during which you continue to meet the definition of disability. Payments continue based on how old you are when your disability occurs. If you are under the age 65, your benefits will be greater of 36 months or Social Security Normal Retirement Age, followed by a reducing schedule for members over the age of 65.

Survivor Benefit: Your eligible survivor (group life beneficiary on file) will receive a lump sum benefit equal to three months of your gross disability payment if, on the date of your death, your disability had continued for 180 or more consecutive days, and you were receiving or were entitled to payments under the plan.

NOTE: The amount of benefits you receive from the plan may be reduced or offset by income from other sources such as legal judgments, certain retirement plans and the amounts you receive or are entitled to receive as disability income from workers’ compensation, a state compulsory benefit plan, and the amount you (and your family, if applicable) receive or are entitled to receive as disability payments under Social Security Disability.

Equation to calculate Short Term Disability

STEP ONE: (Current Annual Salary) / 52 x 0.60 = Your weekly benefit (rounded up to the next whole dollar, with a maximum of$2,500.00)

STEP TWO: (Rounded weekly benefit) x 0.028 x 12 / 24 = Cost per pay period

CANCER INSURANCE

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Your Cost Per Pay Period (24)Employee OnlyEmployee + SpouseEmployee + Child(ren)Employee + Family

$14.19$22.77$17.44$26.02

CANCER INSURANCE

Annual Treatment BenefitsMaximum Annual Benefit Payable

Radiation/Chemotherapy Actual charges up to $15,000 in a 12 month periodExperimental treatment Actual charges up to $15,000 in a 12 month periodBlood, Plasma, Platelets Actual charges up to $15,000 in a 12 month period

Surgical Procedures Schedule of benefits amount up to $5,500Wellness $100 per insured per year

Air Ambulance $2,000/trip, limit 2 trips per hospital confinementICU Confinement $400 per day hospital confinement

Hospital Confinement $300 per day hospital confinement

GUARDIAN CANCER INSURANCE This policy pays benefits directly to you to help pay for cancer-related expenses that health insurance might not cover. You may use the benefits to pay for any purpose: medical copays, travel expenses, groceries, rent and ongoing household bills.

Key Features: - PORTABLE - Should you leave Centennial Bank you may draft the monthly premiums at the locked in rate when you leave - Initial Diagnosis Benefit is a one-time benefit that pays $7,500 for the first time diagnosis of internal cancer, other than carcinoma-in-situ. This benefit applies to every covered family member.- Guarantee Issue - NO HEALTH QUESTIONS asked at enrollment. - Pre-existing limitation 3 month look back period and 12 month exclusion period. - Waiver of Premium if you become disabled due to a cancer for 90 days, premiums will be waived thereinafter as long as you are disabled. - Dependents covered to age 26.

Please note: If you receive a cancer diagnosis within 30 days of your effective date, this policy will be void and your premium will be reimbursed.

Annual Cancer Screening Benefit

For employees and covered family members. This plan pays you $100 once

per year, per covered individual.

If you or a covered family member receive an additional invasive diagnostic procedure that is

recommended by your doctor due to the results of the initial cancer screening, this plan will pay you

an additional $75.

See schedule for list of covered procedures atwww.my100bankbenefits.com

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Your Cost Per Pay Period (24)Employee OnlyEmployee + SpouseEmployee + Child(ren)Employee + Family

$7.65$11.67$12.03$16.06

GUARDIAN ACCIDENT INSURANCEThis policy helps offset the costs associate with both minor and major on and off-the job accidents.Consider some of the unexpected costs that may result from an accident such as travel to treatment centers, child care while recovering, household expenses while you can’t work, or even modifications to a home or automobile. Payments are made directly to you and can be used for any purpose.

Wellness Benefit

For employees and covered family members. This plan pays you $50 once

per year, per covered individual.

See schedule for list of covered procedures at

www.guardiananytime.com

Key Features: - PORTABLE - Should you leave Centennial Bank you may draft the monthly premiums at the locked in rate when you leave - Guarantee Issue - NO HEALTH QUESTIONS asked at enrollment. - No Pre-existing limitation - Dependents covered to age 26.- Guardian Accident Insurance will increase covered benefits by 25% for a child who has an accident while playing in organized sports.

Covered EventsBenefits Payable

Air/Ground Ambulance (

Key Features: - PORTABLE - Should you leave Centennial Bank you may draft the monthly premiums at the locked in rate when you leave - Guarantee Issue - NO HEALTH QUESTIONS asked at enrollment. - No Pre-existing limitation - Dependents covered to age 26.- Guardian Accident Insurance will increase covered benefits by 25% for a child who has an accident while playing in organized sports.

ACCIDENT INSURANCE

Accidental Death & Dismemberment

This policy has an added Death Benefit should your or your coveredspouse and/or child die in an accident. It also has an added Dismemberment Benefit.

CRITICAL ILLNESS INSURANCE

Covered Events First OccurrenceHeart Attack 100%

Stroke 100%Heart Failure 100%

Arteriosclerosis 30%Organ Failure 100%Kidney Failure 100%

GUARDIAN CRITICAL ILLNESS INSURANCE This policy helps fill in the gaps that medical insurance doesn’t cover. This may include travel to treatment centers, ongoing household bills, co-pays, deductibles, and everyday expenses like groceries, rent and mortgage.

Key Features: - PORTABLE - Should you leave Centennial Bank you may draft the monthly premiums at the locked in rate when you leave- Rates will not increase as you advance through age brackets- No Lifetime Maximum- Benefits are payable on all covered conditions

How it works: Choose the tier of coverage – $10,000 for Employees, and $5,000 for Spouse. Dependent children are automatically covered at $5,000, at no additional cost! Critical Illness insurance pays a lump-sum amount directly to you upon initial diagnosis of:

Benefits reduce by 50% at age 70. 12/12 Pre-existing condition limitation

Guaranteed Issue AmountsEmployee $10,000Spouse $5,000

*child coverage is automatically included with employee

election

Your Cost Per Pay Period (24)

Age Employee Only Employee + SpouseNon Tobacco 18-34

35-4950-5960-6465-6970+

$0.95$3.15$7.30

$12.10$15.80$19.20

$1.40$4.65

$10.80$17.90$23.40$28.40

Tobacco 18-3435-4950-5960-6465-6970+

$1.85$6.05

$14.40$20.95$24.50$27.80

$2.75$8.95

$21.30$31.00$36.25$41.15

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Covered Benefits (HDHP Compatible)

Plan $1,000 Plan $2,000

Hospital/ICU Admission

$1,000 per admission to a max of 1 admission per year, per insured

$2,000 per admission to a max of 1 admission per year, per insured

Daily Hospital/ICUConfinement

$200 per day ($400/day if in ICU) to a max of 15 days per year, per insured

$200 per day ($400/day if in ICU) to a max of 15 days per year, per insured

Pre-existing conditionlimitation

No pre-existing condition limitations except for pregnancy limits described below.

No pre-existing condition limitations except for pregnancy limits described below.

Treatment of NormalPregnancy

Hospital Admission & Confinement benefits are not payable for birth within first 9

months

Hospital Admission & Confinement benefits are not payable for birth within first 9

months

Dependent Age Limits Child birth to 26 years Child birth to 26 years

Treatments Covered Sickness and Injury Sickness and Injury

Eligibility Employees over the age of 69 are not eligible to enroll in coverage

Employees over the age of 69 are not eligible to enroll in coverage

GUARDIAN HOSPITAL INDEMNITY INSURANCE This policy pays a lump sum benefit that can be used to pay out of pocket expenses that may not be covered by medical.

Because medical insurance doesn’t cover everythingHealth care costs are on the rise. Even with major medical insurance, you’re stillresponsible for co-payments, deductibles and other out-of-pocket costs, so your medical expenses can be more than you expect.

Guardian helps protect your savings from hospitalization costs• Guardian Hospital Indemnity Insurance supplements your medical plan — no matter what other coverage you have.• Guardian pays you cash benefits based on your covered sickness or injury, treatments and services.• The cash benefits are paid directly to you — you decide how to use them.

Why would I need this coverage?Hospital Indemnity can help reduce the extra financial burden that comes with a hospital stay, and can help cover out-of-pocket deductibles and copays so you don’t have to use your savings or incur additional debt.

HOSPITAL INDEMNITY INSURANCE

Your Cost Per Pay Period (24)

Plan $1,000 Plan $2,000

Employee Only $7.79 $12.57

Employee + Spouse $16.07 $26.09

Employee + Child(ren) $13.03 $20.78

Family $21.31 $34.29

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LEGAL AND ID SHIELD

LEGAL SHIELDUnexpected legal questions arise every day. With LegalShield on your side, you’ll have access to a quality law firm 24/7, for covered personal situations.

Legal Services Covered in FULL by your Legal Shield Plan At Centennial BankFAMILY MATTERS:• Uncontested Adoption Representation*• Uncontested Name Change Assistance *• Uncontested Divorce Representation *• Uncontested Separation Representation *

* You must have family coverage for these services

AUTOMOTIVE **• Driver’s License Restoration• Non-Commercial, Non-Criminal Moving Traffic Violations• Property Damage claims up to $5,000

** Auto coverages are available 15 days after enrollment.

FINANCIAL:• IRS Audit Protection

HOME:• Residential Loan Document Assistance ***

*** You must have family coverage for this service.

ESTATE ISSUES• Health Power of Attorney• Living Will• Wills

There is a detailed list of coverages available through LegalShield at www.my100bankbenefits.com

Please note this list is not extensive. Coverages not listed are available to participating LegalShield members at a 25%

discount off the regularly billed price.

LEGAL SERVICES MAY VARY BY STATE.

Some services are not available until your membership has been active for 90 days. For Example: Uncontested Adoption Representation, Uncontested Name Change Assistance, Uncontested Divorce

Representation, Uncontested Separation Representation.

Your Plan Covers:The member, the member’s spouse, never-married dependent children under age 26 living at home, dependent children under age 18 whom the member is legal guardian, never-married dependent children who are full time college students up to age 26, physically, or

mentally disabled children living at home.

Your Cost Per Pay Period (24)All Residents of states other than FL and NY

Employee Only Legal $8.48Family Legal $9.48Employee Only ID $4.48Family ID $9.48Employee Only Legal & ID $12.95Family Legal & ID $16.95

Your Cost Per Pay Period (24)Florida and New York Resident Rates

Employee Only Legal $7.98Family Legal $7.98Employee Only ID $4.48Family ID $9.48Employee Only Legal & ID $12.45Family Legal & ID $15.45

ID SHIELDIdentity theft has been one of the top consumer complaint filed with the FTC for 16 years straight. Identity theft victims spend an exorbitant amount of time and money dealing with it and criminals are getting smarter. IDShield’s Licensed Private Investigators will do whatever it takes to restore your identity to its pre-theft status. IDShield offers the following benefits and more:• Identity consultation services • Privacy monitoring • Security monitoring • Credit monitoring and inquiry alerts• Credit score tracking • Identity restoration

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Q: Am I eligible to receive insurance benefits? A: Employees who are classified as full-time, per the Patient Protection Affordable Care Act are eligible to enroll;

after all waiting periods have been met. This includes full-time and part-time 30 employees of Home BancShares, Inc.

Q: When will my insurance go into effect? A: Any elected coverage will be effective the first day of the month following 30 calendar days of service. So, if your

start date is January 5th, your insurance will be effective March 1st. The only exception to this policy is for the company paid life insurance, which goes into effect the first of the month following 90 calendar days of service.

Q: Can I cancel my insurance at any time? A: Your insurance may be changed if you experience a “qualifying event”. Examples of a qualifying event are birth,

adoption, marriage, death, divorce, change in work status, or loss of coverage. Q: When can I make changes to my insurance elections? A: You can make changes within 30 calendar days of a “qualifying event” or during the company designated open

enrollment period. Q: How do I cancel or make changes to my insurance? A: Please e-mail HBI-HR (HR@my100bank.com) and provide the necessary documentation within 30 calendar days

from the date of your qualifying event. HR can advise you on the documentation required for your qualifying event.

Q: Who should I contact if I have questions about my benefits? A: Please e-mail any questions to HBI-HR (HR@my100bank.com). Your e-mail will be answered by the first available

representative.

FREQUENTLY ASKED BENEFIT QUESTIONS

22

COMMUTER BENEFITS

How do Commuter Benefits benefit me?

Savings all around! Bigger paychecks through reduced taxes!

How do commuter benefits save me money?

The amount of money you set aside to pay for your commute doesn’t count as income, so you’re not taxed on it. By having your commuting costs automatically deducted from your paycheck, you’re actually taking home more money and giving less to Uncle Sam. It’s something you’re going to pay for anyway, so not doing it is like saying “no thanks” to free money.

What are the current monthly tax-free allowable limits?

•Transit and eligible vanpooling: $270•Qualified commuter parking: $270•Combined parking and transit benefits: $540

Can I contribute more than the tax-free limit each month as my monthly costs exceed these limits?

Yes! Centennial Bank’s program will allow you to contribute up to $1,000 per month.However, the amount that exceeds the IRS’s tax-free limits will not reduce your taxable income.

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COMMUTER BENEFITS CONT. CENTENNIAL BANK, INC. 401(k) Plan

Where can I learn more about Commuter Benefits?

Check out our Benefit Provider’s website: http://commuterbenefits.com/

How do I register?Getting started is easy. All you have to do is create an account on our online platform and place your first order. Just follow these 6 simple steps!

Step 1: Go to your Commuter Benefits platform page: www.commutercheckdirect.com *Save this link in your Favorites for subsequent updatesStep 2: Click on ‘New User Signup’.Step 3: Enter your Company ID 1523.Step 4: Enter your First Name, Last Name, and Zip Code.Step 5: Verify your info and create a password to complete registration.Step 6: Congratulations! You’ve successfully created your account.• Now, just click ‘Place an Order’.• Select your product(s).

If you are unsure which product(s) is/are best for you, please visit: http://commuterbenefits.com/employers/products to learn more about our offerings.

Need a little help?

Need a little help placing your first order? Just give us a call at 888.235.9223 anytime between 8am-8pm Eastern, and one of our wonderful Customer Service representatives will be happy to assist you.

24

CENTENNIAL BANK, INC. 401(k) Plan

It’s time to start planningfor your future,

Start saving today!

There’s no time machine for retirement. Start now so you don’t

regret it later.

Website AccessAccess your account anytime:

1. Go to www.newportgroup.com2. Select Login3. Select Participant Access4. Enter your User ID and Password First-Time Users:User ID: Your full Social Security Num-ber (SS), no dashes.Password: Your date of birth (MMD-DYYYY). Once logged in, you will be required to update your User ID and Password

Interactive Voice ResponseAccess your account anytime by:

1. Dial: 844-749-99812. Stay on the line for English or press 5 for Spanish 3. Press 1 to use the Automated Sys-tem to access account information4. Press 1 to login5. Say or enter your Social Security Number (SSN)6. Say or enter your PIN First-Time Users:PIN: Your default PIN is your date of birth (MMDDYYYY).Once logged in, you will be required to change your PIN.

25

TERMS TO KNOW

BEFORE WE BEGIN: QUICK TERMS TO KNOWBenefits jargon can be confusing. Before we begin, review these terms so you can better understand your options.

High Deductible Health Plan (HDHP) – Also maybe called a Consumer Driven Health Plan. Allmedical and pharmacy claims apply to theapplicable deductible and coinsurance, withannual preventive exams and screenings coveredat 100%.

Deductible – The amount of money you must payeach year to cover your medical care expensesbefore the Plan starts paying. Deductibles do notapply where a copay is noted. Your deductiblesstart over on January 1 each year.

Prior Authorization - PA is a technique for minimizing costs, wherein benefits are only paid if the medical care has been pre-approved by the insurance company.

Quantity Limit - For safety and cost reasons, plans may set quantity limits on the amount of drugs they cover over a certain period of time.

Premiums - the amount of money you pay on a regular basis to have coverage—are typically low in an HDHP. The trade-off is that you may pay more out of your pocket when you need care (until you reach that high deductible). But, using a Health Savings Account can help you lower your expenses by allowing you to use money that isn’t taxed.

Step Therapy - The patient begins medication for a medical condition with the most cost effective drug therapy and progresses to other more costly or risky therapies only if necessary.

Out-of-Pocket Maximum – The maximum amount you will spend out of your own pocket for eligible healthcare ex-penses while covered under the Plan. Not all expenses count toward the out-of-pocket maximum, including: • Premium deductions from your paycheck • Balance bills from out-of-network providers • Non-covered benefits

26

Medical & Pharmacy: United HealthcareGroup # 915889Phone # (866) 314-0335.Website: www.myuhc.com

HSA Administration & COBRA: DataPath

Phone # (501) 296-9990Website: www.datapathadmin.com

UHC Virtual VisitsWebsite: uhc.com/virtualvisits

Compass/Alight Professional Health ServicesPhone # (800) 513-1667Website: https://member.compassphs.com/Email: answers@compassphs.com

Dental: Delta DentalGroup # 4742Phone # (800) 462-5410Website: www.deltadentalar.com

Vision: Superior VisionGroup # 34186Phone # (800) 507-3800Website: www.superiorvision.com

5 Star Term to 121 Life InsuranceGroup # 02541Phone # (866) 863-9753Website: www.5starlfeinsurance.com

Life and Disability: PrincipalGroup # 1039119Phone # (800) 986-3343Website: www.principal.com

Cancer, Accident, Critical Illness, & Hospital Indemnity: Guardian

Group # 506437Phone # (212) 598-8000

Legal and ID ShieldGroup # 0047617Phone # (800) 654-7757Website: www.legalshield.com

The Hatcher Agency is proud to be the insurance broker for the employees at Centennial Bank. It is our promise to find you the lowest price each and every year with carriers that are the best in class. In addition to providing you the very best value for your coverage, it is our goal to deliver all of you Outrageous Service.

Please feel free to contact any of your representatives shown if you ever have customer service questions in regard to your plan or if we can help you in any way.

Our mission is to work for you and help you get the most out of your benefits.

Patricia TerryAccount ExecutiveCell: 501-317-8145patricia@hatcheragency.com

Wendy Hannah Lead Account ExecutiveCell: 501-519-5500 wendy@hatcheragency.com

Colt FasonAccount ExecutiveCell: 501-472-8607colt@hatcheragency.com

Karen PughAccount ExecutiveCell: 501-960-7001karen@hatcheragency.com

Greg HatcherC.E.O and FounderCell: 501-519-4734greg@hatcheragency.com

Human Resources TeamArlene LovelaceSVP, Chief Human Resources OfficerPhone: 501-328-4618Email: alovelace@my100bank.com

Katie AustinAVP, Benefits AdministratorPhone: 501-328-4749Email: kaustin@my100bank.com

David LaffoonPayroll DirectorPhone: 501-328-4158Email: dlaffoon@my100bank.com

Candace HicksAVP, Human Resources OfficerPhone: 850-926-6603Email: cmhicks@my100bank.com

Kay WinberryBenefits Specialist, IIPhone: 501-205-7976Email: kwinberry@my100bank.com

Jamie ElliottPayroll OfficerPhone: 501-328-4816Email: jelliott@my100bank.com

April BiggsHuman Resources Administrator - CCFGPhone: 870-215-4869Email: abiggs@my100bank.com

Shay Brown Payroll Associate Manager Phone: 501-328-4617 Email: sbrown@my100bank.com

LaKisha Grigsby Williams Sr. Payroll Practitioner Phone: 501-585-6076 Email: lgrigsby-williams@my100bank.com

Insurance Broker

To view details regarding the available benefits (SBC, Certificates of Coverage, Claim forms, etc.)

Visit: www.my100bankbenefits.comPassword: cenbenefits

CONTACT INFORMATION

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