Benefits Summary

Hospitality Staffing
Solutions

January 1st, 2020

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
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 Medical Insurance

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 2
 Medical Insurance | Anthem of GA
Preferred Provider Organization (PPO)
A PPO plan offers the freedom to receive care from any in- or out-of-network doctor, specialist or hospital without a
referral. You have a deductible to meet and once the deductible is met, coinsurance (or the cost share between you
and the carrier) kicks in. The types of medical services that accumulate towards your deductible are inpatient hospital
stays, outpatient surgeries, labs (blood work) and x-rays (MRIs, PET scans, CT scans, etc.). If you go to the doctor,
see a specialist, utilize the ER or take a prescription drug, you’ll pay a copay for those specific services. Copays do not
accumulate towards your deductible but they do accumulate towards your overall out-of-pocket maximum.

High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
This medical plan option is comprised of two components (1) a High Deductible Health Plan (HDHP) and (2) a
tax-exempt savings account called a Health Savings Account (HSA).

The HDHP is a high deductible PPO plan that provides health care benefits after the deductible has been met. All
medical services, with the exception of preventive care, are paid for by you at 100%, less carrier discounts, prior to
meeting your entire annual deductible. This includes routine office visits, procedures, lab work, prescription drugs, etc.

The HSA is a bank account paired with your HDHP allowing you to set aside money on a tax-free basis to pay your
out-of-pocket qualified medical, dental, and vision expenses throughout the year or in the future. You own the money
in your HSA account and it is yours to keep – even when you change plans or retire. The funds roll over from year to
year to be used when you really need them.

Choice of plan options: $250 PPO $500 PPO $1,500 PPO HDHP with HSA

Network PPO PPO PPO PPO

Deductible
Individual
(In-Network / Out-of-Network) $250 / $500 $500 / $1,000 $1,500 / $3,000 $2,800 / $8,100
Family
(In-Network / Out-of-Network) $500 / $1,000 $1,000 / $2,000 $3,000 / $6,000 $5,600 / $16,200
Coinsurance
90% / 70% 80% / 50% 80% / 50% 80% / 50%
In-Network / Out-of-Network
Out-of-Pocket Max
Individual
(In-Network / Out-of-Network) $2,000 / $4,000 $3,000 / $4,000 $4,000 / $5,000 $5,000 / $15,000
Family
(In-Network / Out-of-Network) $4,000 / $8,000 $6,000 / $8,000 $8,000 / $10,000 $10,000 / $30,000

Physician Services (In-Network)

Well Adult / Well Child 100% 100% 100% 100%
Physician Office / Specialist Visit $20 / $40 copay $25 copay / $50 copay $25 copay / $50 copay Deductible then 80%
X-Rays / Lab Diagnostics $20 / $40 copay $25 copay / $50 copay $25 copay / $50 copay Deductible then 80%

Emergency Room $150 copay $150 copay $150 copay Deductible then 80%

Urgent Care (In-Network) $75 copay $75 copay $75 copay Deductible then 80%

Copays: Copays: Copays:

Prescription Drugs (In-Network) $15 / $35 / $60 / $15 / $35 / $60 / 20% $15 / $35 / $60 / 20% Deductible then 80%
Generic/Formulary/Non-Formulary 20% ($300 max) ($300 max) ($300 max)

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 3
Medical Insurance Rates
$250 PPO $500 PPO
Bi weekly Bi weekly You Pay
You Pay
Contributions: Contributions:
Employee Only $75.01 Employee Only $58.24
Employee & Spouse $233.39 Employee & Spouse $202.94
Employee & Child(ren) $184.77 Employee & Child(ren) $155.95
Family $316.75 Family $278.00

$1,500 PPO HDHP/HSA Plan

Bi weekly You Pay Bi-weekly You Pay
Contributions: Contributions:
Employee Only $40.15 Employee Only $23.95
Employee & Spouse $167.61 Employee & Spouse $125.78
Employee & Child(ren) $123.99 Employee & Child(ren) $98.63
Family $240.95 Family $179.69

IRS Max Contribution: Employee Only Family

Max HSA Contribution $3,550 $7,100
Catch-up Contribution
$1,000
(Age 55 and Older)

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 4
 Dental Insurance

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 5
 Dental Insurance | MetLife
Preferred Provider Organization (PPO)
These dental plans allow the flexibility to select any dentist in-network or out-of-network. By staying in-network, the
contract between your dentist and insurance carrier will make your annual benefit period maximum last longer.

Dental coverage focuses on preventive and diagnostic procedures in an effort to avoid more expensive services
associated with dental disease and surgery. The type of service or procedure received determines the amount of
coverage for each visit. Each type of service fits into a class of services according to complexity and cost.

Preventive: Basic: Major:

• Annual cleanings (2 per year) • Fillings • Dentures/bridges/partials
• X-rays (1 per year) • Simple extractions • Crowns
• And more • And more • And more

Choice of plan options: Value PPO Basic PPO High PPO

Network Name PDP Plus PDP Plus PDP Plus

Individual Deductible (Family = 3x) None None None
Office Visit Copay None None None
Preventive Coinsurance 100% / 100% 100% / 100% 100% / 100%
Basic Coinsurance 60% / 60% 60% / 60% 80% / 80%
Major Coinsurance 0% / 0% 40% / 40% 50% / 50%
Annual Plan Maximum $750 $1,000 $1,500
Orthodontia Coinsurance Not Covered Not Covered 50% / 50%
Orthodontia Lifetime Maximum N/A N/A $1,000

Dental Insurance Rates

Value PPO Basic PPO
Bi weekly Bi weekly
You Pay You Pay
Contributions: Contributions:
Employee Only $5.36 Employee Only $6.91
Employee & Spouse $10.66 Employee & Spouse $13.82
Employee & Child(ren) $11.36 Employee & Child(ren) $13.24
Family $16.80 Family $21.32

High PPO
Bi weekly You Pay
Contributions:
Employee Only $9.83
Employee & Spouse $19.67
Employee & Child(ren) $20.47
NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
Family $32.28
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 6
 Vision Insurance

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 7
 Vision Insurance | MetLife
Vision insurance helps offset the costs of routine eye and also helps pay for vision correction eye wear,
eyeglasses and contacts, that may prescribed by an eye-care

accessing in-network vision providers, able to reap the benefit of true vision insurance coverage.
eligible for an eye exam and lenses or contact lenses every months and frames every 24 months.
Out-of-network providers merely offer you allowance towards your vision

Eye-care providers include many independent optical

20/20 Vision Plan

Frequency In-Network Out-of-Network
Details:
Eye Exam
Lenses
- Single vision
- Bifocal
- Trifocal
- Lenticular

Frames
Elective Contacts

5/10 Vision Plan

Frequency In-Network Out-of-Network
Details:
Eye Exam Every 12 months $5 copayment $45 max allowance

Lenses
- Single vision
- Bifocal Every 12 months* $20 copayment Allowance varies
- Trifocal
- Lenticular
Frames Every 24 months* $150 allowance $70 max allowance
Elective Contacts Every 12 months** $150 allowance $105 max allowance
*Vision benefit frequencies are based on the date of service within the policy year
** You cannot get contacts and glasses in the same calendar year

Vision Insurance Rates

Vision Plan (20/20) Vision Plan (5/10)
Bi-weekly Bi-weekly
You Pay You Pay
Contributions: Contributions:
Employee Only $1.59 Employee Only $2.36
Employee & Spouse $3.19 Employee & Spouse $5.05
Employee & Child(ren) $2.70 Employee & Child(ren) $4.00
Family
NOTE: This Benefit Highlights is merely intended$4.45 FamilyEmployees should review Centro’s current$6.60
to provide a brief overview of Centro’s employee benefit programs. employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 8
 Additional Benefits

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 9
 Basic Life and AD&D Insurance
Basic Life Insurance helps ease your loved ones’ financial burden. Your designated beneficiary will receive a benefit
if you pass away from a covered accident or illness. In addition, Accidental Death and Dismemberment (AD&D)
provides a benefit to your beneficiary if you pass on or become dismembered due to a specifically covered accident.

Basic Life/Accidental Death Class 1: Officers & VP’s Class 2: All other FT employ-
& Dismemberment ees
Benefit Amount 3x BAE per employee - Life 1x BAE per employee - Life
3x BAE per employee - AD&D 1x BAE per employee - AD&D

Voluntary Term Life and AD&D Insurance

Voluntary Term Life/AD&D allows you to purchase additional coverage at your own financial expense to ease your
loved ones’ financial burden if something should happen to you. Costs are determined on group discounted rates.
Always make sure your beneficiary information is updated.

An employee’s maximum benefit election cannot exceed $500,000. A spouse’s maximum

election cannot exceed $100,000 of what the employee takes out on themselves.

Employee Spouse Child(ren)

Coverage Increments $25,000 $5,000 $1,000; $2,000; $4,000;
$5,000; $10,000
Maximum Benefit Amount $500,000 $50,000 $10,000
Guaranteed Issue Amount* $150,000 $50,000 $10,000

The cost of the benefit is 100% paid for by you. Your age and the amount of insurance you elect determines the
premium you’ll pay. Costs will go up as you age. See your plan documents for more detail.

Short & Long-Term Disability

If you become ill or suffer an injury that prevents you from working, this form of disability insurance replaces a portion
of your income for a defined maximum period of time.

Disability Coverage Voluntary Short -Term Long -Term

Begins on the 8th day of continuous Begins on the 91st day of continuous
Waiting Period
injury or illness injury or illness
Benefit Amount 60% of weekly earnings 60% of monthly earnings
Maximum Benefit $1,000 per week (New Hires Only)** $15,000 per month
Length of Payment Period 13 weeks SSNRA
Premium Contribution Employee paid Company paid

**If you choose coverage after the initial enrollment you will be limited to a $100 weekly benefit amount at the
next annual enrollment. At subsequent annual enrollments you will be limited to increasing your weekly
benefit coverage
NOTE: This byis $50.
Benefit Highlights merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 10
 Employee Assistance Program (EAP)
EAP service offers caring and professional assistance for a broad range of concerns including stress management,
depression and anxiety, relationship or family conflicts, workplace conflicts, legal or financial difficulties, and drug or
alcohol abuse. Services are confidential - neither your employer nor co-workers have knowledge of your request for
help. EAP services are available 24 hours a day, seven days a week for you and your eligible dependents. There
is no cost, it’s just there for you when you need it.

Possible reasons to call can include:

• Stress and • Elder care • Addiction and recovery
• • Domestic violence • Financial issues
• Grief and • Workplace conflict • Legal assistance
• Parenting and child • Work/life • And more

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 11
 +
Critical
Critical Illness Insurance | MetLife
can help safeguard your finances by providing you with a payment when your
family needs it most. The payment you receive is yours to spend as see fit, in addition to any other
insurance you may

you meet the policy requirements, Critical insurance provide you with a sum payment upon
diagnoses f o r man y

Eligible Individual Initial Benefit Requirements

Coverage is you
Employee $10,000 or $20,000 are
actively at work
50% of employee’s initial Coverage is the
Spouse
benefit employee is actively at ork and the
spouse isn’t subject to medical
Dependent Child(ren) 50% of employee’s initial restriction as set forth the
benefit enrollment form and in the

Covered Condition Initial Benefit Recurring Benefit

Benefit 100% of Benefit 50% of Benefit

Partial Benefit 25% of Benefit 12.5% of Benefit

Heart 100% of Benefit 50% of Benefit

100% of Benefit 50% of Benefit

Coronary Artery
100% of Benefit 50% of Benefit

Failure 100% of Benefit Not

Alzheimer’s 100% of Benefit Not

Major Organ
100% of Benefit Not
Transplant Benefit

22 Listed 25% of Benefit Not

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 12
 Accident Coverage | MetLife
Accident insurance coverage provides you with payment for a covered accident. It also pays if you undergo testing,
receive medical services, treatment of care for any one of more than 150 covered events as defined in your group
certificate. This includes hospitalization resulting from an accident and accidental or dismemberment.

Payments are made directly to you as you see fit. They can be used to help pay for medical plan deductibles and
copays (if applicable), out-of-network treatments, your family’s everyday living expenses or whatever else you need
while recuperating from an accident.

As added incentive to staying well, after coverage has been in place for 30 days, you will be provided an annual
benefit of $50 per calendar year for taking one of the eligible screening/preventive measures that take place during
your no cost preventive care exam.

Benefit Type Low Plan High Plan

MetLife Accident Insurance MetLife Accident Insurance
Pays YOU Pays YOU

Injuries
Fractures $50-$3,000 $100-$6,000

Dislocations $50-$3,000 $100-$6,000

Second & Third Degree Burns $50-$3,000 $100-$10,000

Concussion $200 $400

Cuts/Lacerations $25-$200 $50-$400

Eye Injuries $200 $300

Medical Services and Treatments

Ambulance $200-$750 $300-$1,000
Emergency Care $25-$50 $50-$100
Inpatient Surgery $100-$1,000 $200-$2,000

Hospital Coverage (Accident)

$500 (non-ICU) - $1,000 (ICU) per $1,000 (non-ICU) - $2,000 (ICU)
Admission accident per accident
$100 a day (non-ICU) - Up to 31 $200 a day (non-ICU) - Up to 31
Confinement days days
$200 a day (ICU) - Up to 31 days $400 a day (ICU) - Up to 31 days
Inpatient Rehab $100 a day, up to 15 days $200 a day, up to 15 days
Other Benefits
Lodging - Pays for lodging $100 per night, up to 31 nights; up $200 per night, up to 31 nights; up
companion up to 31 nights per to $3,100 in total lodging benefits to $6,200 in total lodging benefits
calendar year available pre calendar year available pre calendar year
Health Screening Benefit
(Wellness) benefit provided if $50 $50
the covered insured takes one
of the
NOTE: Thiscovered screening/
Benefit Highlights Payable
is merely intended to provide a brief overview of Centro’s1x perbenefit
employee calendar
programs. year Payable
Employees should review Centro’s current 1x perhandbook
employee calendar year
and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
prevention
Centro tests
reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 13
 Carrier Information

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 14
 Carrier Information
Medical PPO Vision
Carrier Anthem of GA Carrier MetLife
Website www.bcbsga.com Website www.metlife.com
Phone Number 800-441-2273 Phone Number 800-474-7371
Network PPO Policy Number 05925066
Policy Number GA8864
Medical HDHP/HSA Basic Life and AD&D Insurance
Carrier Anthem of GA Carrier MetLife
Website www.bcbsga.com Website www.metlife.com
Phone Number 800-441-2273 Phone Number 800-474-7371
Network PPO
Policy Number GA8864
Dental PPO Voluntary Term Life and AD&D Insurance
Carrier MetLife Carrier MetLife
Website www.metlife.com Website www.metlife.com
Phone Number 800-474-7371 Phone Number 800-474-7371
Policy Number 05925066

Employee Assistance Program Short & Long-Term Disability Insurance

Carrier MetLife Carrier MetLife
Website Metlifeeap.lifeworks.com Website www.metlife.com
Phone Number 888-319-7819 Phone Number 800-474-7371
Login metlifeeap
Password eap

Accident & Critical Illness

Carrier MetLife
Website www.metlife.com
Phone Number 800-474-7371

Human Resources Contact Information

Contact Janet Sisson
Email Address [email protected]
Phone Number 678-426-5630
NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 15
 Tips, Tricks & Tools

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 16
 + Anthem Value Added Benefits
www.anthem.com 24/7 Nurseline: 800.337.4770
A secure member website that gives you immediate General health info and guidance for specific conditions
access to health care benefit information. Here you from fevers to bee stings from a registered nurse.
can check claim status, find in-network providers, use
the hospital comparison tool, and much more. Maternity Care Program: 800.828.5891
Personalized support provided by Obstetrical nurses.
Sydney Health app
Access your account from a mobile device. Opt in to Health Rewards - Earn up to $200 in rewards
receive texts for Rx refill reminders, diet and fitness It’s easy to get started. Here’s how:
tips, claim updates and more. Download the app for 1. Register or log into Anthem.com
immediate access. 2. Once you’re logged in, go to the Health & Wellness
section
Virtual Visits—LIVEHEALTH ONLINE 3. Select Get My Rewards.
LIVEHEALTH’s telehealth program provides enrolled
members with access to non-emergency medical care You’ll be taken to the Anthem Health Rewards site, where
without even leaving the couch. Visit a doctor virtually you can view activities and start earning rewards. See in-
24 hours a day, 7 days a week for a variety of different side to learn more
ailments and symptoms. Log on to anthem.com or call
888.548.3432 today to find out additional info on this
awesome benefit.

Tips to Save Money

Preventive/Wellness Exams Covered at 100%
• Preventive care is equal to one physical exam per year per enrolled member
• Females get an annual well-woman exam covered at 100% in addition to their annual physical exam

Prescription Drugs
• Ask your doctor if there’s a generic version of any medication you’re currently taking or being prescribed
• Take advantage of the Prescription Savings Programs at major retailers
• Ask about free samples from your doctor and/or manufacturer rebates

High Cost Scans, X-Rays & Tests

• MRI, PET scans, CT scans, etc. are nearly 2/3 less costly at free-standing, in-network imaging centers than at
hospitals
• Whenever possible, compare cost options prior to scheduling your necessary services

Accessing Medical Care

The ER is a costly experience for issues that aren’t true emergencies. There are alternatives that can offer quick
care at a much more affordable cost. The key is finding these alternatives today when you ’re happy and healthy.

• Doctor’s office: for symptoms that aren’t life threatening, call and let them know your symptoms require immediate
attention
• Convenient Care Clinics: use when you don’t have a primary doctor or can’t get an appointment. Good for fever,
sore throat/strep, coughs/congestion, sports physicals, UTIs, etc. Visit cvs.com or walgreens.com to find a clinic
near you*
• Urgent Care (UC): less costly than the ER; can treat sprains/strains, minor breaks, mild asthma, minor
infections, rashes, small cuts, burns, etc.

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 17
 Notes

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 18
 Notes

NOTE: This Benefit Highlights is merely intended to provide a brief overview of Centro’s employee benefit programs. Employees should review Centro’s current employee handbook and ac tual
plan documents for the precise terms of such programs. In the event of any inconsistency between this Summary of Benefits and such governing documents, the governing documents will control.
Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 19
 Brought to you by:

NOTE: This Benefits Summary is merely intended to provide a brie f overvie w of the Company’s employee benefit programs. Employees should review the Company’s employee
handbook and actual pla n documents for the precise terms of such programs. In the event of any inconsistency between this Be nefits Summary and such governing documents, the
governing documents will control. The Company reserves the sole and absolute discretion and right to interpret, apply, amend , discontinue or terminate, without prior notice, any and all of
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Centro reserves the sole and absolute discretion and right to interpret, apply, amend, discontinue or terminate, without prior notice, any and all of the benefit programs referenced herein.
Page | 20