OPEN ENROLLMENT 2019 DISCLAIMER: The information in this presentation is intended for illustrative and informational purposes only. The information contained herein was taken from various summary plan descriptions, certificates of coverage and benefit information. Every effort was taken to accurately report your benefits; however, discrepancies and errors are always possible. It is not intended to alter or expand rights or liabilities set forth in the official plan documents or contracts. It is not an offer to contract nor are there any expressed or implied guarantees. In case of a discrepancy between this information and the actual plan documents, the actual plan documents will prevail. If you have any questions about this summary, please contact Human Resources.  © Marsh & McLennan Agency 2019. All Rights Reserved.

Employee Health Benefits Pate Trucking takes great pride in offering an excellent selection of benefits to all full-time employees and their families. Your comprehensive benefits package includes: Medical Benefits Telemedicine Benefits Dental Benefits Vision Benefits Basic Group Life Insurance Voluntary Term Life Insurance Unum Worksite Products Wellness Program

Payroll Deductions Participants of the medical, dental and/or vision plans can pay for plan premiums with pre-tax or post-tax deductions under Pate Trucking’s Section 125 Plan. Deductions are automatically taken Pre-Tax unless you notify Human Resources in writing. Pre-Tax Election: The participant pays for plan premiums with pre-tax payroll deductions. This may decrease the participant’s overall tax liability. Requires participant to maintain coverage during the entire plan year, not allowing changes or cancellation of coverage unless there is an applicable qualifying event. Post-Tax Election: Requires the participant to pay for plan premiums with post-tax payroll deductions. Allows the participant to cancel coverage at any time. The participant could not re-enroll until the next open enrollment.

Changes made during Open Enrollment will be effective Your Open Enrollment period is the only time during the year when changes can be made to your benefit elections without having a qualifying event. Employees who do not elect coverage at this initial eligibility date will only be able to enroll during the next open enrollment period, or if they experience an applicable qualifying event during the year. Qualifying events include: Marriage/Divorce Loss of Other Coverage Birth/Adoption of a Child Death of a Dependent Significant Change in Job Status If you experience one of these qualifying events during the year, please contact Human Resources within 30 days of the event if you wish to make a change. Changes made during Open Enrollment will be effective May 1, 2019 through April 30, 2020.

Medical Plan Options Pate Trucking continues to offer medical plans through Blue Cross & Blue Shield of Texas. This year, there is a third plan offering! Plan A (Buy Up) and Plan B (Base) remain the same; Plan C (Min) is NEW and offers benefits at a lower cost! Option 1: Plan A (Buy-Up) Option 2: Plan B (Base) Option 3: Plan C (Min)

Option 1: Benefits In-Network Benefits Network BlueChoice Network Calendar Year Deductible $1,500 Individual $3,000 Family Out-of-Pocket Maximum (Includes Deductible) $6,350 Individual $12,700 Family Office Visits PCP/ Specialist/ Urgent Care $30/ $30/ $55 Preventive Care Covered at 100% Routine Lab & X-Ray Diagnostic Imaging (MRI, CT Scan, etc.) 20% After Deductible Hospital Services Emergency Room 20% After $250 Copay Prescription Copays Generic Preferred Brand Non-preferred Brand Preferred Specialty Non-Preferred Specialty $20 Min $30, Max $50 Min $75, Max $125 $100 $150 Option 1: Plan A (Buy-Up) The pharmacy copay structure has been expanded to include specialty medications.

Option 2: Benefits In-Network Benefits Network BlueChoice Network Calendar Year Deductible $3,000 Individual $6,000 Family Out-of-Pocket Maximum (Includes Deductible) $6,850 Individual $13,700 Family Office Visits PCP/ Specialist/ Urgent Care $40/ $40/ $65 Preventive Care Covered at 100% Routine Lab & X-Ray Diagnostic Imaging (MRI, CT Scan, etc.) 30% After Deductible Hospital Services Emergency Room 30% After $250 Copay Prescription Copays Generic Preferred Brand Non-preferred Brand Preferred Specialty Non-Preferred Specialty $20 Min $40, Max $60 Min $75, Max $150 $125 $175 Option 2: Plan B (Base) The pharmacy copay structure has been expanded to include specialty medications.

Option 3: Benefits In-Network Benefits Network BlueChoice Network Calendar Year Deductible $6,000 Individual $12,000 Family Out-of-Pocket Maximum (Includes Deductible) $7,250 Individual $14,500 Family Office Visits PCP/ Specialist/ Urgent Care $50/ $50/ $75 Preventive Care Covered at 100% Routine Lab & X-Ray Diagnostic Imaging (MRI, CT Scan, etc.) 35% After Deductible Hospital Services Emergency Room 35% After $250 Copay Prescription Copays Generic Preferred Brand Non-preferred Brand Preferred Specialty Non-Preferred Specialty $20 Min $50, Max $70 Min $75, Max $175 $150 $200 Option 3: Plan C (Min) The pharmacy copay structure has been expanded to include specialty medications.

Bi-Weekly Employee Medical Contributions Medical Premiums Bi-Weekly Employee Medical Contributions Payroll deductions take effect on first pay period after 05/01/19 To locate in-network providers, visit www.bcbstx.com, click “Find a Doctor or Hospital” or call 1-800-521-2227. Coverage Tier Plan A (Buy-Up) Plan B (Base) Plan C (Min) Wellness Yes | No Employee Only $60 | $90 $40 | $70 $25 | $55 Employee + Child(ren) $220 | $250 $180 | $210 $150 | $180 Employee + Spouse $400 | $430 $310 | $340 $240 | $270 Employee + Family

Wellness Program Pate Trucking is proud to offer a voluntary Wellness Program available to all employees who participate in the medical plans! By participating, you will earn a discount on your medical premiums! This company-paid benefit will give you access to: Free health screenings at your job location Personal coaching Wellness and disease management education To get a $30 discount per pay period on your premiums: Complete a health screening at your job location or with your primary care physician; AND Complete TWO coach calls with iaWellness Call 877-765-7265 to obtain more information about your wellness program!

Teladoc.com or call 1-800-Teladoc Access to licensed doctors anytime, anywhere Talk to a doctor by phone or video within minutes Save money by using this alternative to ER or Urgent Care Save time and skip long waits in a doctor’s office 24 hours a day, 365 days a year care for: cold and flu symptoms, allergies, ear infections, rash and skin problems, and more! DOWNLOAD THE APP TODAY! Teladoc.com or call 1-800-Teladoc

Dental Benefits In-Network Benefits Plan A Plan B Calendar Year Deductible $50 Individual $150 Family Preventive Care (e.g. Cleanings) Covered at 100%, Deductible Waived Basic Care (e.g. Fillings) Covered at 80%, After Deductible Major Care (e.g. Crowns, Dentures) Covered at 50%, Not Covered Orthodontic Care (Child only up to age 19) Annual Maximum Benefit $1,000 per Covered Person $750 per Covered Person Orthodontia Lifetime Max You may choose any dentist; however, if you elect to see an out-of-network provider, you may be balance billed for anything over the usual, reasonable and customary allowed amount by Ameritas.

Dental Premiums Bi-Weekly Employee Dental Contributions Coverage Tier Payroll deductions take effect on first pay period after 05/01/19 The dental policy covers two routine cleanings per year at no cost to you when visiting in-network providers. Find an in-network provider at www.ameritas.com. Benefits are illustrated in summary form. Please refer to the Ameritas dental plan documents for complete coverage details. Coverage Tier Plan A Plan B Employee Only $5.52 $0.00 Employee + Child(ren) $23.22 $10.22 Employee + Spouse $16.62 $6.10 Employee + Family $37.38 $16.32 Employee-only coverage under Plan B is provided at no charge!

Vision Benefits Plan Features In-Network Out-Of-Network Eye Exam $10 Copay $45 Allowance Lenses Single Vision Bifocal Trifocal $30 Allowance $50 Allowance $65 Allowance Frames Up to $130 Allowance $70 Allowance Contacts (in lieu of glasses) Fitting & Evaluation Contact Lenses Up to $60 Copay $130 Allowance N/A Frequencies Exams, Lenses, Contacts Frames Once Every 12 Months Once Every 24 Months Your vision plan is administered by Ameritas with access to the extensive Signature Network of providers from VSP.

Bi-Weekly Employee Vision Contributions Vision Premiums Bi-Weekly Employee Vision Contributions Payroll deductions take effect on first pay period after 05/01/19 Find an in-network provider at www.vsp.com, or call 800-877-7195. Benefits are illustrated in summary form. Please refer to the plan documents for complete coverage details. Coverage Tier Premium Employee Only $1.69 Employee + Child(ren) $3.38 Employee + Spouse $3.21 Employee + Family $4.97

Group Term Life Insurance Pate Trucking provides employees with Basic Term Life and Accidental Death & Dismemberment coverage through Unum. This coverage is provided for all active full-time employees at no cost! Basic Life and AD&D Benefits Life Benefit $15,000 AD&D Benefit Please be sure you have a current Beneficiary on file! The illustration above is in summary form only. Please refer to plan document for complete coverage details, including limitations and exceptions.

Voluntary Term Life Insurance Pate Trucking also offers employees the option to purchase voluntary Term Life Insurance coverage through Unum. This coverage would be in addition to the Basic Group Life coverage. Rates are based on age and coverage amounts. Employees who sign up for Voluntary Term Life coverage during their initial eligibility will be able to purchase coverage up to the guarantee issue amounts without having to submit health information. During the annual enrollment period, employees who signed up for coverage during their initial eligibility will be able to increase their coverage up to the guarantee issue amount without any health questions. Employees who did not elect coverage during their initial eligibility may elect to apply for coverage at any time, but will be required to submit an Evidence of Insurability form and will be subject to approval by Unum. Any employee who wishes to purchase coverage that exceeds the guarantee issue amounts, will also need to complete an Evidence of Insurability form. Voluntary Term Life Benefits Guarantee Issue Employee Benefit $10,000 increments to a maximum of $500,000 $100,000 Spouse Benefit $5,000 increments, not to exceed 100% of employee coverage $25,000 Child Benefit $2,000 increments, not to exceed $10,000 $10,000

Important Notices Pate is rolling out an online enrollment system – you can even enroll using your phone or tablet! Please see accompanying flyers that explain how to log in and how to access the mobile application. Unum Work Site benefits annual enrollment has moved to align with the health plan anniversary date. Now all benefits will have the same annual enrollment period! If you would like to enroll in Unum Work Site Benefits, please contact the Unum Call Center – English and Spanish enrollers available. Unum work site benefits include: Accident, Critical Illness, Hospital Indemnity, Short Term Disability, and Whole Life Open enrollment materials are available on the employee benefits website. www.mypatebenefits.com

Senior Account Manager Yanina Trejo Kiechler Senior Account Manager Yanina.Kiechler@marshmma.com 806-794-3246 Erin Dawson Benefit Analyst Erin.E.Dawson@marshmma.com 806-798-4326