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The company is committed to providing comprehensive benefits and to providing information that will help you be an active participant in your benefits spending. You are responsible for understanding your benefits and using them to address your individual needs.

This material summarizes the company's benefit plans and programs. Detailed plan information can be found in the plan documents. If there is a difference between the information in this material and the information in the plan documents, the plan documents will govern.

The company reserves the right to modify or cancel the benefit plans at any time at its sole discretion.

You may be required to repay Sun Life where claims that were not eligible for reimbursement under the company's benefits plans were paid. Alternatively, these amounts may be deducted from future claims. Fraudulent claims may lead to disciplinary action, including termination.