BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.

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BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.
ASSOCIATE GUIDE TO 2023

     BENEFITS
Your benefits as a Full-time Associate at Republic Bank.
BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.
ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                                                                                                                                            Full-time Associate

Table of Contents
Welcome to Republic Bank................................................................................................................................................................................................................................ 1
Human Resouces Department Contact Info.................................................................................................................................................................................................2
Republic Bank Mission Statement...................................................................................................................................................................................................................3
Medical.................................................................................................................................................................................................................................................................. 4
Provider Name - Humana
Provider Phone Number for Medical Coverage – 800-872-7207
Provider Web Address – www.myhumana.com
Rx Protect..............................................................................................................................................................................................................................................................7
Provider Name – Rx Protect
Provider Phone Number - 833-279-7877
Provider Web Address – www.rx-protect.com
Vision................................................................................................................................................................................................................................................................... 10
Provider Name – Humana Vision Plan
Provider Phone Number for Vision Coverage – 866-995-9316
Provider Web Address – www.myhumana.com
Dental....................................................................................................................................................................................................................................................................11
Provider Name – Delta Dental
Provider Phone Number – 800-955-2030
Provider Web Address – www.deltadentalky.com
Medical Dental Vision Costs...........................................................................................................................................................................................................................13
Flexible Spending Accounts (FSA)................................................................................................................................................................................................................14
Provider Name – Sheakley
Provider Phone Number – 800-877-6630
Provider Web address – www.sheakley.com/myrsc.asp
Health Savings Account (HSA)......................................................................................................................................................................................................................19
WellSteps Premium Discount.........................................................................................................................................................................................................................21
Tobacco User Premium Surcharge................................................................................................................................................................................................................. 22
Life and Accidental Death and Dismemberment Insurance...................................................................................................................................................................23
Provider Name – Guardian Life Insurance Company
Provider Phone Number – 888-600-1600
Provider Web Address – www.guardiananytime.com
Disability Benefits............................................................................................................................................................................................................................................ 25
Provider Name – Guardian Life Insurance Company
Provider Phone Number – 888-889-2953
Provider Web Address – www.guardiananytime.com
AFLAC Accident, Critical Care and Cancer Benefits.............................................................................................................................................................................. 26
Provider Name – AFLAC
Provider Email – Iris Goodall at iris_goodall@us.aflac.com
Employee Assistance Program(EAP)........................................................................................................................................................................................................... 27
Provider Name – ESI Total Care EAP
Provider Phone Number – 800-252-4555 or 1-800-225-2527
Provider Web Address – www.theEAP.com
401(k) Retirement Plan..................................................................................................................................................................................................................................28
Provider Name – Empower
Provider Phone Number – 844-465-4455
Provider Web Address – www.empowermyretirement.com
Financial Advisor – Iron Administration, LLC
Phone Number – 888-396-4766
Teladoc..................................................................................................................................................................................................................................................................31
Employee Stock Purchase Plan (ESPP).......................................................................................................................................................................................................32
Provider Name – Computershare
Provider Phone Number – 1-866-658-6773
Provider Web Address – www.computershare.com/Associate/us
Other Benefits...................................................................................................................................................................................................................................................33
Making Changes................................................................................................................................................................................................................................................35
Legal and Other Important Information......................................................................................................................................................................................................36
BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.
ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                Full-time Associate

Welcome to Republic Bank!
We are proud to offer a full array of benefit options to our Associates. We have created a benefits package that helps provide
important financial protection for each Associate and their family. This comprehensive benefit package includes the following
benefit options:
• Health Insurance                                                 • Flexible Medical and Dependent Care Spending Accounts
• Rx Protect                                                       • AFLAC Accident, Critical Care and Cancer Benefits
• Dental Insurance                                                 • Employee Assistance Program
• Vision Plan                                                      • 401(k) Plan
• Health Savings Account (HSA – set up as a Republic Bank          • Teladoc
  account)                                                         • Employee Stock Purchase Plan (ESPP)
• Basic Life & Accidental Death & Dismemberment Insurance          • Paid Time Off (PTO)
• Optional Life Insurance for Associates & Dependents              • Paid Holidays
• Disability Benefits (Short-Term and Long-Term)                   • Fitness Center Reimbursement

Please take the time to evaluate your benefit options and choose those that meet the needs of you & your family.

                             WE ARE HAPPY TO HAVE YOU ON OUR TEAM!
This booklet highlights selected benefits available to you from Republic Bank. While every effort has been made to ensure the
accuracy of this information, the actual operation of the plans is governed by the applicable plan documents. In case of a conflict
between this brochure and the plan documents, the plan documents will take precedence. For additional information regarding your
benefits such as, Summary Plan Descriptions, Certificates of Coverage, and benefit forms, please go to the Human Resources page
on Republic Bank’s Intranet site.
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BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.
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                                                                                                   Full-time Associate

Human Resources
                                             Margaret Wendler
                                          Executive Vice President
                                       Chief Human Resources Officer
                                                Ext. 4840
                                        mwendler@republicbank.com

                  Benefits                                                 Human Resources
               Tammy Pate                                                  Christie Ramsey
          AVP - Benefits Manager                                          VP - HR Manager
                Ext. 2446                                                     Ext. 3918
          tpate@republicbank.com                                     cramsey@republicbank.com
                Clay Hoppe                                                 Mary Bramblett
             Benefits Specialist                                   Executive Administrative Assistant
                 Ext. 2465                                                    Ext. 2203
         choppe@republicbank.com                                    mbramblett@republicbank.com

                Compensation                                                  Recruitment
                Susan Stuckey                                                 Helen Glover
         VP - Compensation Manager                                VP - Director of Talent Recruitment
                  Ext. 1805                                                    Ext. 3913
         sstuckey@republicbank.com                                     hglover@republicbank.com
                                                                              Adam Perito
           Associate Relations/Payroll                              VP - Talent Recruitment Officer
                  Robin White                                                  Ext. 2408
     VP - Director of Associate Relations                              aperito@republicbank.com
                   Ext. 4847                                                 Kristen Nelson
           rwhite@republicbank.com                                Talent & Recruitment Ops Specialist
                  Erin Zimmer                                                  Ext. 3919
    Payroll/Research Records Administrator                            knelson2@republicbank.com
                   Ext. 3916                                                 Maggie Reimer
         ezimmer@republicbank.com                                AVP – Talent and Recruitment Advisor
                   Jim Yung                                                    Ext. 3924
          Advanced Payroll Specialist                                 mreimer@republicbank.com
                   Ext. 4811                                                   Sheila Eaves
           jyung@republicbank.com                                       Talent Recruiting Specialist
                 Selena Luney                                                   Ext. 2429
         Associate Relations Specialist                                 seaves@republicbank.com
                   Ext. 3917                                                   Gayle Milam
           sluney@republicbank.com                                      Talent Recruiting Specialist
                                                                                Ext. 3920
                                                                        gmilam@republicbank.com
                                                                               Terri McGill
                                                                       Talent Onboarding Specialist
                                                                                Ext. 4812
                                                                        tmcgill@republicbank.com

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BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.
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                                                                                                            Full-time Associate

Why We Exist. This is our mission.
To enable our clients, company, Associates and the communities we serve to thrive.

At Republic Bank, we believe that by living our values we can make an IMPACT!

            Innovate for the Future
            Partner to transform existing processes, practices and services to drive greater quality and strengthen internal
            and external outcomes.

            Make it Easy
            Discover and deliver ways to reduce complexity in everything we do, creating simple, high-quality experiences.

            Provide Exceptional Service
            Anticipate the needs of others, and provide positive, memorable and personalized experiences and service –
            both internally and externally.

            Acknowledge & Celebrate Success
            Practice gratitude, share your appreciation and recognize the contribution of others.

            Commit to Caring
            Strive to do the right thing with compassion for clients, coworkers, the community, the bank, your loved ones
            and yourself.

            Thrive Together
            Collaborate openly and build trusting relationships in order to create a positive work environment and attain
            strong results for us and the people we serve.

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BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.
ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                       Full-time Associate

Medical Plan Options
Who is eligible?
Full-time Associates regularly scheduled to work at least 37 1/2 hours per week are eligible to enroll themselves, their spouse* and/or
their dependent children under age 26, with coverage effective on their first day of employment. Eligible dependent children include
your natural blood-related children, stepchildren, legally adopted children, children placed for adoption in your home or children for
which you have legal guardianship.

      *IMPORTANT NOTICE: Spouses who have access to their own employer-provided health plan as a Full-time Associate
      working 30 or more hours per week are not eligible to be covered under Republic Bank’s health plan. However, any spouse that
      does not have access to an employer provided health plan continues to be eligible. Legally recognized same sex marriages will
      follow the same eligibility rules stated above. When completing the online enrollment, be sure to include information for any
      eligible dependents you wish to cover. If requesting spousal coverage, you will be required to certify in writing that your
      spouse is not eligible for their own coverage. The certification form is part of the on-line enrollment.

What are my medical plan options?
There are four Humana health plan options from which to choose – Two options (Standard and Enhanced PPO Plans) are traditional
Preferred Provider Organization (PPO) medical plans, which provide a higher level of coverage for care received from participating
doctors and other health care providers. All plans cover routine/wellness-related services at 100% with no copays or deductible.

The plans differ primarily by deductibles, co-payment amounts and coinsurance levels, as shown on the chart on pages 8-9.
Premiums are on page 13.

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Both the High Deductible Health Plan (HDHP) and the Coverage First plans are designed to provide more control over health
expenses. Both plans cover routine/wellness-related services at 100% with no copays or deductible. However, the Coverage First plan
includes an additional $500 benefit allowance to cover in-network expenses (except for required co-payments) for the first claims
submitted each year for each covered member of your family. Think of this allowance as an account used to pay for health care services.
As you receive covered services, the plan will pay for those services from the account until $500 has been paid. As long as money is
available in the account, you will only pay your applicable co-payment. Once the $500 in the account has been used up, the normal
plan benefits apply and you will be responsible for the annual deductible and applicable coinsurance. You will continue to pay only a co-
payment for office visits.

The High Deductible Health Plan covers all routine exams and wellness related services at 100% - with no copay and no deductible
- for eligible in-network expenses each year. However, you may want to consider opening a Health Savings Account (HSA)
through Republic Bank to cover non-routine/wellness related out-of-pocket expenses that are applied to your deductible ($3,000
individual/$6,000 family). The HSA is used to pay for health care services with pre-tax dollars (similar to an FSA). As you receive
covered services, you use available funds in the HSA to pay for expenses that are applied to your deductible. Once your deductible
is met, the plan will pay for all future eligible in-network services at 100% after the applicable copay for office visits for primary care
physician and specialist, hospital emergency room or urgent care services, and prescription drugs.

Why you might want a High Deductible Health Plan
A High Deductible Health Plan offers several ways to save on healthcare:
• Lower premiums: The HDHP has lower premiums than the other health plan options.
• Integrated deductible: Prescription drug costs apply to the same deductible as medical costs. And for members who choose
   family coverage, costs for all covered members apply to the same deductible. These differences make it easier for you to meet
   the deductible.
• Out-of-pocket maximum: The yearly “cap” on your costs for covered services from in-network providers gives you peace of
   mind. And budgeting is easy, since medical and drug costs that apply to your deductible count toward the maximum, too.
• Opportunity to save tax-free money: Having an HDHP allows you to contribute tax-free dollars via payroll deduction to a
   Republic Bank HSA. You can spend the money on healthcare costs without paying taxes on it — or use it for other expenses
   after you retire, when it may be taxed at a lower rate.

Using your High Deductible Health Plan
The HDHP has three key components: an integrated deductible, coinsurance and out-of-pocket maximum.
• Integrated deductible: Even though your pharmacy benefits kick in only after you’ve met the deductible, you always get
    Humana’s discounted price when you fill prescriptions at in-network pharmacies. And since your health plan and pharmacy
    benefits share the same deductible, your prescription costs help you meet the deductible faster. You can view the list of covered
    drugs under the HDHP at Humana.com.
• Coinsurance: After you reach your annual deductible, the plan pays a percentage of your costs for both medical services and
    prescription drugs after the applicable copays.

Example of how copays and coinsurance apply after meeting annual deductible:
You have single coverage in the HDHP and you have met your $3,000 deductible. You are visiting your primary care physician
regarding a health issue. You will be responsible for the $20 office visit copay. The Plan covers the remaining cost of the visit at
100%. You may use your health savings account to pay for the office visit.

You have the option to enroll in a qualified High Deductible Health Plan (HDHP) and a “companion” Health Savings Account
(HSA) offered through Republic Bank to help cover your out-of-pocket expenses. See Page 19 for more information regarding the
Health Savings Account.
For the most current information about participating network providers in the Humana plans, go online to www.humana.com and
look under the Humana Choice Care Network.

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BENEFITS ASSOCIATE GUIDE TO 2023 - Your benefits as a Full-time Associate at Republic Bank.
ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                     Full-time Associate

How does the RX4 Prescription Drug benefit work?
No matter which medical plan you choose, the prescription drug benefit will be administered by CenterWell. You will use the same
identification card that you use for all other medical care services.

The amount you pay for prescription drugs depends on which medical plan you are in and the Level in which the medication that you
and your doctor select is classified. You may check the classification of drugs by logging onto www.humana.com and selecting the
Rx-4 Drug List.

The plan provides four levels of coverage based on the prescription. In addition, if you purchase a brand name drug, you must first
satisfy a *$250 annual deductible before the copay will apply (the brand deductible does not apply to the High Deductible Health
Plan).
•   Level One: This level includes designated *brand name and generic drugs that are the most cost effective while still providing
    high quality medical efficacy. You’ll pay just $10 for up to a 30-day supply.
•   Level Two: Preferred drugs are those generic or *brand names included in the RX-4 drug formulary. (A formulary is a list of
    commonly prescribed drugs that have been selected by a panel of pharmacists and physicians based on their effectiveness and
    cost.) You’ll pay just $40 for up to a 30-day supply.
•   Level Three: Non-preferred drugs are *brand names or generics not listed on the plan’s formulary. For these drugs, you’ll pay
    $60 for up to a 30-day supply. If you take a prescription medication in this category, keep in mind that alternative preferred
    brand name or generic drugs are usually available and allow you to save money.
•   Level Four: This level covers high cost, high tech specialty medications and injectables. You’ll pay a 25% coinsurance per
    prescription.

The mail order prescription benefit lets you order up to a 90-day supply of maintenance drugs for the same price as a 60-day supply
equal to 2 copays. To use this benefit, have your physician write a prescription for a 90-day supply.

      PLEASE NOTE: Some drugs, such as weight management and cosmetic drugs are not covered by the plan. Because Humana’s
      drug list is continually updated with prescription drugs approved or not approved for coverage, you must call the toll-free
      customer service phone number on the back of your ID card or visit Humana’s website at www.humana.com to verify whether
      a prescription drug is covered or not covered under the Plan.
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Rx Protect
We are proud to offer prescription drug cost relief through Rx Protect! This is a free program for Associates and family members
covered under any of Republic’s medical plans who are taking certain high-cost medications. Members on one or more of an
approved list of medications will receive their medication for free with no co-pay and no required payment towards a deductible.
Enrollment in this program helps Associates and Republic Bank save a significant amount of money. For added convenience, all
medications processed through the RxProtect program will be delivered to the member’s home.

Members of the Rx Protect Team may contact you if you are taking medications covered under the Rx Protect program. For a
full list of covered medications, please visit the HR SharePoint site or contact Rx Protect.

      IMPORTANT NOTE: Participants will need to provide a copy of their current qualifying script to Rx Protect. Call the
      prescribing clinician’s office and ask for the qualifying script be faxed to (917)-909-5923. Scripts can be submitted to the
      client portal electronically or as a photo.

Contact Information
General Email: support@rx-protect.com
General Phone: 1-833-279-7877

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Medical Plan Options
                                                                   STANDARD PPO                                                                    ENHANCED PPO
                                                    Network                                  Non-Network                            Network                                 Non-Network
         Benefit Allowance                             N/A                                          N/A                                N/A                                         N/A
        Annual Deductible
              Individual                              $750                                        $1,500                              $500                                       $1,000
                Family                               $1,500                                       $3,000                             $1,000                                      $2,000
Annual Out of Pocket Expense Limit
              Individual                    $2,500 - includes deductible                $5,000 - includes deductible        $2,250 - includes deductible                $4,500 - includes deductible
                Family                      $5,000 - includes deductible                $10,000 - includes deductible       $4,500 - includes deductible                $9,000 - includes deductible
Routine Wellness Services, including
  all generic birth control pills and                 100%                                     Not Covered                            100%                                    Not Covered
    surgical sterilization services
         Hospital Services
              Inpatient                       80% after deductible                        70% after deductible                90% after deductible                        60% after deductible
         Outpatient Surgery                   80% after deductible                        70% after deductible                90% after deductible                        60% after deductible
       Outpatient Diagnostic                  80% after deductible                        70% after deductible                90% after deductible                        60% after deductible
                                                                                      70% after deductible; paid                                                      60% after deductible; paid
       Emergency Room (true             100% after $300 copay (waived if                                                100% after $300 copay (waived if
                                                                                 at participating level for emergency                                            at participating level for emergency
      emergency, as defined by plan)                 admitted)                                                                       admitted)
                                                                                           medical condition                                                               medical condition
            Urgent Care                      100% after $75 copay                         70% after deductible               100% after $75 copay                         60% after deductible
         Physician Services
              Inpatient                       80% after deductible                        70% after deductible                90% after deductible                        60% after deductible
             Office Visit
            Primary Care                     100% after $30 copay                         70% after deductible               100% after $25 copay                         60% after deductible
              Specialist                     100% after $45 copay                         70% after deductible               100% after $40 copay                         60% after deductible
          Allergy Services
         Allergy Injections                  100% after $10 copay                         70% after deductible               100% after $10 copay                         60% after deductible
           Allergy Serum                      100% after OV copay                         70% after deductible                100% after OV copay                         60% after deductible
         Behavioral Health
              Inpatient                       80% after deductible                        70% after deductible                90% after deductible                        60% after deductible
    Inpatient physician services              80% after deductible                                                            90% after deductible
    Outpatient therapy sessions              100% after $30 copay                                                            100% after $25 copay
                                        100% after $45 copay; max of 20          70% after deductible; max. 20 visits   100% after $40 copay; max of 20            60% after deductible; max of 20
       Chiropractic Services
                                            visits per calendar year                          per year                      visits per calendar year                       visits per year
 Prescription Drugs (only covered at           Note: Brand Name Drugs subject to $250 annual deductible.                       Note: Brand Name Drugs subject to $250 annual deductible.
       participating pharmacies)

                Retail
                Level 1                                                    $10 copay                                                                       $10 copay
                Level 2                                                    $40 copay                                                                       $40 copay
                Level 3                                                    $60 copay                                                                       $60 copay
                Level 4                                                    25% copay                                                                       25% copay
             Mail Order
                Level 1                                                    $20 copay                                                                       $20 copay
                Level 2                                                    $80 copay                                                                       $80 copay
                Level 3                                                    $120 copay                                                                      $120 copay
                Level 4                                                    25% copay                                                                       25% copay

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Medical Plan Options
                                                                    COVERAGE FIRST                                             HIGH DEDUCTIBLE HEALTH PLAN (HDHP)
                                                     Network                             Non-Network                                Network                                   Non-Network
         Benefit Allowance                             $500                                    N/A                                     N/A                                           N/A
        Annual Deductible
              Individual                              $2,750                                 $5,500                                  $3,000                                        $6,000
                Family                                $5,500                                 $11,000                                 $6,000                                       $12,000
Annual Out of Pocket Expense Limit
              Individual                     $2,750 - includes deductible           $5,500 - includes deductible           $3,000 - includes deductible                 $15,000 - includes deductible
                Family                       $5,500 - includes deductible           $11,000 - includes deductible          $6,000 - includes deductible                 $30,000 - includes deductible
Routine Wellness Services, including
  all generic birth control pills and                  100%                                Not Covered                                100%                                      Not Covered
    surgical sterilization services
         Hospital Services
                                        100% after $150 copay per day for
                                         first five days per admission, and
              Inpatient                                                               70% after deductible                   100% after deductible                         70% after deductible
                                                   after deductible

                                        100% after $100 copay per visit and
         Outpatient Surgery                                                           70% after deductible                   100% after deductible                         70% after deductible
                                                 after deductible
       Outpatient Diagnostic                  100% after deductible                   70% after deductible                   100% after deductible                         70% after deductible
                                         100% after $300 copay per visit,         70% after deductible; paid at                                                       70% after deductible; paid at
       Emergency Room (true
                                         and after deductible; copay (waived    participating level for emergency        $300 copay after deductible                participating level for emergency
      emergency, as defined by plan)
                                                     if admitted)                       medical condition                                                                   medical condition
            Urgent Care                        100% after $75 copay                   70% after deductible                $75 copay after deductible                       70% after deductible
         Physician Services
              Inpatient                       100% after deductible                   70% after deductible                   100% after deductible                         70% after deductible
             Office Visit
            Primary Care                      100% after $35 copay                    70% after deductible                $20 copay after deductible                       70% after deductible
              Specialist                      100% after $50 copay                    70% after deductible                $35 copay after deductible                       70% after deductible
          Allergy Services
         Allergy Injections                    100% after $5 copay                    70% after deductible                   100% after deductible                         70% after deductible
           Allergy Serum                      100% after deductible                   70% after deductible                   100% after deductible                         70% after deductible
         Behavioral Health
                                        100% after $150 copay per day for
              Inpatient                  first five days per admission, and           70% after deductible                   100% after deductible                         70% after deductible
                                                   after deductible
    Inpatient physician services              100% after deductible                   70% after deductible                   100% after deductible                         70% after deductible
    Outpatient therapy sessions               100% after $35 copay                    70% after deductible                $20 copay after deductible                       70% after deductible
                                         100% after $50 copay; limited to      70% after deductible; max. 20 visits   100% after deductible; max of 20               70% after deductible; max. of 20
       Chiropractic Services
                                            20 visits per calendar year                     per year                           visits per year                               visits per year
 Prescription Drugs (only covered at            Note: Brand Name Drugs subject to $250 annual deductible.             Note: All RX expenses subject to annual plan deductible prior to copays being applied.
       participating pharmacies)

                Retail
                Level 1                              $10 copay                             Not covered                    $10 copay after deductible                            Not covered
                Level 2                             $40 copay                                                             $40 copay after deductible
                Level 3                             $60 copay                                                             $60 copay after deductible
                Level 4                              25% copay                                                        25% coinsurance after deductible
             Mail Order
                Level 1                             $20 copay                              Not covered                    $20 copay after deductible
                Level 2                             $80 copay                                                             $80 copay after deductible
                Level 3                             $120 copay                                                           $120 copay after deductible
                Level 4                             25% copay                                                         25% coinsurance after deductible

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Vision Benefits
Vision health impacts overall health.
Routine eye exams can lead to early detection of vision problems and other diseases such as diabetes, multiple sclerosis, high blood
pressure, osteoporosis, and rheumatoid arthritis.

Who is eligible?
If you are a Full-time and regularly scheduled to work at least 37 1/2 or more hours per week, you may enroll yourself, your spouse
and/or your dependent children under 26 years of age.
                                                                  If you see a participating provider      If you see a non-participating provider   Additional plan discounts:
          Vision Care Benefit Summary                                      (Member Cost)                              (Reimbursement)                Member may receive a 20% discount
             Exam, with dilation as necessary                                $10 co-pay                                 Up to $30                    on items not covered by the plan at
                                                                                                                                                     network Providers. Members may
                      Retinal Imaging                                         Up to $39                                Not covered
                                                                                                                                                     contact their participating provider to
                Contact lens exam options:                                                                                                           determine what costs or discounts are
           Standard contact lens fit and follow-up                           Up to $40                                  Not covered                  available. Discount does not apply to
                                                                                                                                                     Insight Provider’s professional services
          Premium contact lens fit and follow-up                            10% off retail                              Not covered                  or contact lenses. Plan discounts cannot
                          Lenses:                                                                                                                    be combined with any other discounts
                                                                                                                                                     or promotional offers. Services or
                           Single                                            $25 co-pay                                  Up to $25                   materials provided by any other group
                          Bifocal                                            $25 co-pay                                 Up to $40                    benefit plan providing vision care may
                                                                                                                                                     not be covered. Certain brand name
                          Trifocal                                           $25 co-pay                                  Up to $60
                                                                                                                                                     Vision Materials may not be eligible for
                         Lenticular                                          $25 co-pay                                 Up to $100                   a discount if the manufacturer imposes
                                                                                                                                                     a no-discount practice. Frame, Lens,
                  Covered Lens Options:
                                                                                                                                                     & Lens Option discounts apply only
                        UV coating                                               $15                                    Not covered                  when purchasing a complete pair of
                  Tint (solid and gradient)                                      $15                                    Not covered                  eyeglasses. If purchased separately,
                                                                                                                                                     members receive 20% off the retail
                Standard scratch-resistance                                      $15                                    Not covered                  price.
              Standard polycarbonate - adults                                    $40                                    Not covered
                                                                                                                                                     Members may also receive 15% off
           Standard polycarbonate - children
ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                   Full-time Associate

Dental Plan
Who is eligible?
If you are a Full-time Associate scheduled to work a minimum of 37 1/2 hours per week, you may enroll yourself, your spouse and/or
your dependent children under age 26 with coverage effective on your first day of employment. (Eligible dependent children include
your natural blood-related children, stepchildren, legally adopted children, children placed for adoption in your home or children for
which you have legal guardianship.)

What are my choices?
Republic Bank offers Associates the Delta Premier PPO Plus plan through Delta Dental of Kentucky. The dental plan is a unique
blend of Delta Dental’s Premier and Preferred provider networks. If you use a dentist from the Preferred provider network, your
out-of-pocket costs are lower because these network providers offer a greater discount for their services.

Benefits are based on the allowable amount for each specific service. Participating dentists have agreed not to bill plan members
more than the allowable amount. Please refer to the summary of the dental plan benefits provided on page 11.

How do I find a participating dentist?
For the most current information about dentists who participate in the plan, go online to www.deltadentalky.com and Select the
Delta Dental PPO+ Premier Network in the drop down box. The participating dentists may be different for the Premier and the
Preferred networks. If your dentist participates in both networks, they have agreed to accept the allowable amount based on the
Preferred provider network.

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Dental Plan Summary
                                                                               Premier or Preferred Network                                       Non-Network
                       Annual deductible
                            Individual                                                     $50                                                         $50
                             Family                                                        $150                                                        $150
                      Maximum Benefits                                                   $2,000                                                      $2,000
           (per covered person each Benefit Period)
                       Covered Services
  Preventive Care – Oral exam, emergency exam, palliative
   emergency treatment, periapical x-rays, bitewing x-rays,                 100% of the *Allowable Amount,                    100% of the *Allowable Amount, No Deductible; Does not
  panoramic or complete series, topical fluoride application,     No Deductible; Does not Apply toward Annual Maximum                      Apply toward Annual Maximum
          prophylaxis, sealants, space maintainers.
                             Class I
     Routine fillings, simple extractions, root canal therapy,
                                                                    80% of the Allowable Amount, Subject to Deductible          80% of the Allowable Amount, Subject to Deductible
                           oral surgery
                             Class II
                     Periodontics services                          80% of the Allowable Amount, Subject to Deductible          80% of the Allowable Amount, Subject to Deductible
                            Class III
                   Simple prosthetic repairs                        80% of the Allowable Amount, Subject to Deductible          80% of the Allowable Amount, Subject to Deductible
                            Class IV
               Inlays and Crowns, dental implants                   50% of the Allowable Amount, Subject to Deductible          50% of the Allowable Amount, Subject to Deductible
                         Orthodontics
   Diagnosis and treatment plan, minor treatment for tooth        50% of the Allowable Amount, No Deductible. Benefits are    50% of the Allowable Amount, No Deductible. Benefits are
 guidance, interceptive orthodontic treatment, comprehensive     limited to $2,000 lifetime maximum for covered dependents   limited to $2,000 lifetime maximum for covered dependents
                    orthodontic treatment.                                               under age 19.                                               under age 19.

Healthy Mouth, Healthy Body is a voluntary program for those Associates who both have periodontal disease AND who are
pregnant, or have diabetes, renal failure, suppressed immune systems, or are at risk for infective endocarditis. It allows for an
additional cleaning (or periodontal maintenance procedure if you have a history of periodontal surgery) beyond the plan’s ordinary
limit per benefit period. Information is available on the Human Resources webpage of the Republic Bank Intranet regarding
enrollment in this program.

*Allowable Amount
Dentists who have signed participating agreements with Delta Dental of Kentucky agree to accept the Allowable Amount as
payment in full for Covered Services as these terms are defined in the Certificate of Coverage. Each Covered Person is responsible
for the amount of Coinsurance, Deductible, and non-covered charges. Dentists who have not signed a participating agreement may
bill you directly for any amount of their charge in excess of the Allowable Amount. In cases where the dentist’s charges exceed the
Allowable Amount, your coinsurance will be larger. Certain procedures require preauthorization and/or are subject to limitations.

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ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                         Full-time Associate

Medical, Dental and Vision Plan Costs 2023
Your cost depends upon several factors:
• Employment status (Full-time or part-time)
• Level of coverage you select (Associate only, Associate + spouse, Associate + child(ren), or family)
• The $35/pay Medical Premium Discount (see page 21 for details)
• The $35/pay Tobacco Surcharge (see page 22 for details)

Full-time Associates – Benefits Costs Per Pay Period (26X per year)
                                                        Medical Plan Options                              Dental Plan         Vision Plan
                                                                                        High Deductible
                               Standard PPO      Enhance PPO           Coverage First                     Delta Dental       Humana Vision
                                                                                          Health Plan
        Associate Only
   Without Premium Discount       $111.22          $135.46                $89.84           $41.08**          $9.01              $2.28
    With Premium Discount        $ 76.22           $100.46                $54.84            $6.08
      Associate + Spouse*
   Without Premium Discount      $215.36*          $265.61*              $170.90*          $145.70*         $19.40              $4.55
    With Premium Discount        $180.35*          $230.61*              $135.90*          $110.70*
     Associate+Child(ren)
   Without Premium Discount      $195.38           $229.99                $145.78           $121.57         $23.42              $4.32
    With Premium Discount        $160.38           $194.99                $110.78           $86.57
           Family*
   Without Premium Discount      $291.51*          $371.28*              $221.25*          $179.26*         $32.28               $6.79
    With Premium Discount        $256.51*         $336.28*               $186.25*          $144.26*

* If your spouse is eligible for medical coverage through their employer, they will not be eligible for coverage under a Republic Bank
  medical plan. You will be required to certify in writing whether or not your spouse is eligible for their own coverage – certification
  form is included coverage – the Spouse Certification Form is part of on-line enrollment.

** The Associate premium for single coverage - the Spouse Certification Form is part of on-line enrollment in the High Deductible
   Health Plan meets Health Care Reform’s safe harbor for affordable and adequate coverage.

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Flexible Spending Accounts
Health Care, Limited Purpose and Dependent
Flexible Spending Accounts provide you with an important tax advantage that can help you pay health care and dependent care
expenses on a pre-tax basis. By anticipating your family’s health care and dependent care costs for the next year, you can lower your
taxable income. Full-time Associates are eligible to participate effective on their first day of employment.

Who is eligible?
If you are a Full-time Associate regularly scheduled to work at least 37 1/2 hours per week. You may submit eligible healthcare
related` expenses for yourself, your spouse, and any dependents you claim on your tax return under the age of 27 at the end of your
tax year, as defined by IRS Code Section 105(b) and Code Section 152.

Health Care Flexible Spending Account (FSA) – including a Limited Purpose Account (LPFSA)
The Flexible Spending Account program lets Republic Bank Associates pay up to $2,850 for the 2023 calendar year for certain
IRS-approved medical, dental and vision care expenses not covered by their insurance plan with pre-tax dollars. Most people don’t
realize just how much they spend each year on expenses like co-pays, insurance deductibles and other items for their medical, dental,
vision and preventive care, but these types of expenses really do add up – and that’s money straight out of your pocket. Enrolling
in the Health Care Flexible Spending Account (FSA) can save you up to 40% on the medical, dental, vision and preventive care
expenses you already pay. Can you really afford to pass up an opportunity to save hundreds of dollars every year?

Limited Purpose Flexible Spending Account (LPFSA)
Limited Purpose FSA plans are designed to work hand-in-hand with a Health Savings Account (HSA) in conjunction with a High
Deductible Health Plan (HDHP). The 2023 contribution limit for the LPFSA is $2,850. One important thing to keep in mind is
that if the expense is eligible for reimbursement from a Health Savings Account (HSA), it is not eligible under the LPFSA. (If you
are not participating in a Health Savings Account (HSA), you may still participate in the standard Health Care FSA.) Please contact
the Benefits Department (ext. 2100), if you need assistance in determining if you should enroll in the LPFSA or the standard
Health Care FSA.

Eligible Expenses under the FSA include:                             Eligible Expenses for BOTH the FSA and LPFSA include:
• Hearing Services, including hearing aids and batteries             • Vision services, including contact lenses, contact lens
• Ambulance                                                             solution, eye examinations, and eyeglasses
• Prosthesis                                                         • Laser vision corrective eye surgery
• Obesity Weight-Loss Programs                                       • Dental services and orthodontia
• Chriopractic services                                              • Dentures
• Acupuncture
• Invitro fertilization and Infertility treatments
• Prescription drugs for medically necessary reasons,
   including contraceptives
• Over the counter supplies including (but not limited to):
     • Diabetes Monitors & Supplies, including insulin
     • Bandages
     • Blood Pressure Monitor
     • Colorectal Cancer Screening Tests
     • Knee & Wrist Supports                                                                  Eligible FSA Expenses – click here
     • Crutches & Mobility Aids

If you’re uncertain about how a Health Care FSA can help you, check out the additional information links below and be sure to
review the list of Eligible Expenses. If you use any of these services or purchase any of these items, you could be missing out on big
savings every year!

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ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                                         Full-time Associate

Pay For Eligible Expenses With Your Spending Account Debit Card
Paper claims can be submitted to Sheakley, or you can use your Sheakley Health Care
Account Debit Card (Card). You will not receive a new card each year because the original
card will work for three plan years.

You can typically spend up to $50 using your Debit Card to pay for prescription drug
co-pays or physician co-pays, etc., and you should not need to send substantiation for your
eligible purchases.

For all other eligible expenses where you use the Card, however, you may need to substantiate your purchases (this means faxing
or uploading your itemized receipts for Card purchases along with a claim form to prove the eligibility of the items or services
purchased). If you’ve not submitted required substantiation within 30 days from date of purchase, your account will be suspended,
and your Card deactivated until substantiation is submitted to Sheakley.

For all eligible FSA purchases, even those where you use the Card, the IRS requires you to retain receipts a proof of your qualified
purchase, and you may be required to provide these receipts to Sheakley at any time during the year.

Budgeting for your Flexible Spending Account Election
To avoid having any leftover unused contributions at plan year end, you simply need to plan your contributions and monitor your
account balance regularly. The planning part occurs during the annual enrollment period for the upcoming new plan year. You
are asked to re-elect your annual contribution to your FSA each year. Before you make your election, you should make a list of
anticipated eligible expenses for yourself and any covered dependents. It is also a good idea to identify in advance a few eligible
expenses and hold them “in reserve” in case you find you have an account balance remaining as the end of the benefit plan year
approaches. For example, in order to use up any remaining account balance, you could purchase a pair of prescription sunglasses,
have your teeth cleaned or replace an expiring prescription.

It is always a good practice to be conservative when estimating how much you wish to contribute. To assist you in determining your
annual expenses, please utilize the following Health Care Reimbursement Account Worksheet on the following page.

How does an FSA lower my taxes?
Here’s an example of tax savings with the flexible spending accounts:

                                                                                 With FSA                                    Without FSA
                Annual Salary (before taxes)                                      $25,000                                     $25,000
                           Less:
          Medical Spending Account Contribution                                   -$1,500                                        $0
         Dependent Spending Account Contribution                                  -$4,000                                        $0
                      Taxable Income                                              $19,000                                     $25,000
                           Less:
               Income/Social Security Taxes                                       -$4,290                                     -$5,500
                      Take home pay:                                              $15,210                                     $19,500
                           Less:
                   Health care expenses                                              $0                                        -$1,500
                 Dependent care expenses                                             $0                                       -$4,000
                    Net Pay Remaining                                             $15,210                                     $14,000
                        Tax Savings                                                $1,210                                        $0

Note: This example is for illustrative purposes only. Your actual savings will depend on your personal tax situation.

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                                                                                                                                                                                                                         Full-time Associate

Health Care Reimbursement Account Worksheet

Example:
                                                                                                                                                                                                                               100
Medical................................................................................................................................................................................................................ $_______________
(Include deductibles plus all out of pocket expenses not covered by medical
plans such as doctor office visit copays, prescription drug copays)
                                                                                                                                                                                                                                150
Dental.................................................................................................................................................................................................................. $_______________
(Include copays, deductibles and coinsurance amounts due to the dentist or orthodontist)
                                                                                                                                                                                                                                  300
Vision.................................................................................................................................................................................................................... $_______________
(Include expenses for eyeglasses and contacts)
                                                                                                                                                                                                                        75
Miscellaneous.................................................................................................................................................................................................. $_______________
                                                                                                                                                                                                       625
Total out of pocket expenses................................................................................................................................................................... $_______________
                                                                                                                                                            28%
Multiply total out of pocket expenses by your current tax bracket................................................................................... X_______________
                                                                                                                                                                                                                                 175
Savings................................................................................................................................................................................................................. $_______________
                                                                                                                                                                                                              450
Grand Total Expenses.................................................................................................................................................................................. $_______________
(out of pocket expenses minus savings)

Your Calculations:
Medical................................................................................................................................................................................................................ $_______________
(Include deductibles plus all out of pocket expenses not covered by medical
plans such as doctor office visit copays, prescription drug copays)
Dental.................................................................................................................................................................................................................. $_______________
(Include copays, deductibles and coinsurance amounts due to the dentist or orthodontist)
Vision.................................................................................................................................................................................................................... $_______________
(Include expenses for eyeglasses and contacts)
Miscellaneous.................................................................................................................................................................................................. $_______________
Total out of pocket expenses................................................................................................................................................................... $_______________
Multiply total out of pocket expenses by your current tax bracket................................................................................... X_______________
Savings................................................................................................................................................................................................................. $_______________
Grand Total Expenses.................................................................................................................................................................................. $_______________
(out of pocket expenses minus savings)

You may also use the easy “Savings Calculator” at https://fsastore.com/services/FSAcalculator.aspx. Simply check off the items
you wish to save for and budget how much you will spend in the upcoming year.

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ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                     Full-time Associate

Dependent Care FSA
The Dependent Care FSA lets Republic Bank’s Associates use pre-tax dollars towards qualified dependent care such as caring for
children under the age 13 or an incapacitated parent or spouse. The provider may be a licensed day care provider or an individual who
provides a Social Security Number per IRS regulations. The calendar year maximum amount you may contribute to the Dependent
Care FSA is $5,000 per household or (or $2,500 if married and filing separately) per calendar year.

You are qualified for this plan if you are a single working parent, you have a working spouse, or your spouse is a Full-time student for
at least five months during the plan year while you are working, or your spouse or dependent parent is disabled and unable to provide
for their own care.
       PLEASE NOTE: You may not be eligible to fully take advantage of the “Child and Dependent Care Credit” when you
       file your income taxes if you are participating in a Dependent Care FSA. Please consult with your tax advisor regarding
       your options.

Eligible Expenses
The following list represents expenses that are generally eligible for reimbursement under a Dependent Care FSA. This list is not
exhaustive and is intended only to be used as a general guide. Consequently, expenses contained in this list may be denied if the
supporting claims documentation is insufficient or shows that the expense was incurred for services not considered dependent care,
such as educational expenses.
• After school care - For custodial care for a dependent child under 13 years of age. Exceptions may be allowed if documentation
  verifies that a dependent is incapable of self-care. The care must be provided in order to allow the parent(s) or legal guardian(s) to
  work or seek employment.
• Agency fee - If expense must be paid to obtain related care. Expense cannot be reimbursed until actual care is provided.
• Application fee - If expense must be paid to obtain related care. Expense cannot be reimbursed until actual care is provided.
• Au pair - Amounts paid to care for a qualifying individual.
• Babysitter - Will qualify for care of eligible individual UNLESS babysitter is under 19 and the Associate’s child, stepchild or foster
  child, a tax dependent of the Associate or the spouse of an Associate or a parent of the child.
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ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                      Full-time Associate

• Before school care - For custodial care for a dependent child under 13 years of age. Exceptions may be allowed if documentation
  verifies that a dependent is incapable of self-care. The care must be provided in order to allow the parent(s) or legal guardian(s) to
  work or seek employment.
• Day camp - Generally eligible for a dependent child under 13 years of age even if day camp specializes in specific activity such as
  basketball or computers. Exceptions may be allowed if documentation verifies that a dependent is incapable of self-care.
• Dependent care center - For a dependent child under 13 years of age as long as establishment complies with state and or local
  licensing requirements. Exceptions may be allowed if documentation verifies that a dependent is incapable of self-care.
• Deposit - If expense must be paid to obtain related care. Expense cannot be reimbursed until actual care is provided.
• Elder care - If expenses not attributable to medical care. Individual is a tax dependent of the Associate and spends at least 8 hours
  a day in the Associate’s household.
• Nanny - Amounts paid to care for a qualifying individual.
• Preschool (nursery school) - Generally eligible even if school furnishes other services such as meals or education.
• Registration fee - If expense must be paid to obtain related care. Expense cannot be reimbursed until actual care is provided.
• Sick-child facility - For a dependent child under 13 years of age where the child is sick and primary purpose is child care. Exceptions
  may be allowed if documentation verifies that a dependent is incapable of self-care.
• Transportation expenses - If for transporting a qualifying individual to or from a place where care is provided, and transportation
  is provided by a dependent care provider.

Ineligible Expenses
Flexible Spending Account (FSA) expenses for Dependent Care are generally only considered eligible for reimbursement where
the expense enables the Associate and spouse (if applicable) to be gainfully employed or seek employment. An exception may apply
where the spouse is a Full-time student or incapable of self-care.

The following list represents expenses that are generally considered ineligible under the Dependent Care FSA. This list is not
exhaustive and is intended only to be used as a general guide. Consequently, expenses contained in this list may be denied if the
supporting claims documentation shows that the expense was incurred for eligible dependent care expenses.
• Educational expenses - Except where child is in preschool or nursery school.
• Housecleaning services
• Au pair travel expenses
• Incidental expenses (field trips, t-shirts or other clothing, diaper changing fee)
• Kindergarten - Such expenses considered educational in nature.
• Late Payment Fees
• Overnight camp - Even if expenses split out between day and night
• Tuition expenses - Such expenses considered educational in nature.

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ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                   Full-time Associate

Health Savings Account (HSA)
You must be enrolled in a qualified High Deductible Health Plan (HDHP) to be eligible to enroll in a Health Savings Account.

The Republic Bank HSA is a tax-favored account that allows you to set aside funds to save and pay for qualified medical expenses
incurred by you, your spouse, and any of your qualified dependents. The HSA takes the form of a tax-exempt trust or custodial account.

        IMPORTANT NOTE: Per the IRS - if you can’t claim a child as a dependent on your tax returns, then you can’t spend
        HSA dollars on services provided to that child.

Paying for healthcare expenses using your health savings account:
When you have not yet met your deductible, you can pay the entire amount when you get medical care or pick up a prescription.
Give your Health Savings Account - Republic Bank MasterCard® CheckCard to your healthcare provider, and if you have enough
money in your HSA to cover the service or prescription, the amount will be paid from your HSA and applied to your deductible. If
your HSA balance doesn’t cover the cost, you’ll have to pay out of pocket, but the amount will still be applied to your deductible.
Note: Once you have deposited enough money in your HSA account, you can reimburse yourself for the out-of-pocket cost of the
service or prescription.

HSAs are different from other types of account-based plans you might already be familiar with. The most important difference is
that HSAs are individually-owned accounts. That means that each account holder will have their own account/account number and
will receive personalized monthly statements. It also means that as the account holder, you must be the one to contact Republic
Bank with any questions or concerns pertaining to your personal account. You may open a Republic Bank HSA account at any
banking center and have your contributions deducted on pre-tax basis and direct deposited into your account.

Features of the Republic Bank Health Savings Account
The Republic Bank HSA is a personal checking account, and provides you with many of the same features offered in our traditional
checking accounts, including:
• No minimum balance or opening deposit required
• No set-up fee
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ASSOCIATE GUIDE TO 2023 BENEFITS
                                                                                                                       Full-time Associate

• No transaction fees
• Free Republic Bank MasterCard® CheckCard
• Free checks
• Free Internet Banking, Mobile Banking, Online Statements and Online Bill Pay
• Competitive tiered-rate interest
• No monthly account maintenance fees

        No matter how you access the funds in your HSA, be sure to retain copies of all receipts as proof that funds were used to
        pay for qualified medical expenses.

Determining eligibility for an HSA
To be eligible, you must meet the following criteria:
• You must be covered by a qualified High Deductible Health Plan
• You can’t be claimed as someone’s dependent
• You aren’t covered by other disqualifying insurance (such as a PPO Plan or Flexible Spending Plan*)
• You aren’t enrolled in Medicare
* You must exhaust all funds available in your Flexible Medical Spending Account before opening an HSA account.

If I enroll in a High Deductible Health Plan but waive the HSA, can I establish an HSA later?
Yes, an HSA can be established any time after enrolling in a qualified High Deductible Health Plan. You can contribute the maximum
amount for the year – in 2023, that’s $3,850 if you have single coverage or $7,750 for family coverage. Individuals age 55 and older
can also make an additional $1,000 catch-up contribution each year.
Account holders who are HSA-eligible for only part of the year can still make the full, tax-deductible contribution for that year.
However, they must remain HSA-eligible for at least twelve months after benefiting from this special rule in order to avoid potential
taxes and penalties.

What is the latest date I can make a contribution to my HSA?
You have until April 15 of the following year to make contributions for the current tax year. The contribution must be credited to the
account by April 15. All deposits are credited as current year contributions unless otherwise noted.

How do I make contributions to my HSA?
• Make contributions via payroll deduction (recommended method) – you may elect to have pre-tax contributions to your account
  via payroll deduction.
• Make automatic monthly contributions – Arrange to have funds transferred automatically from your personal checking account
  to your HSA on a specific day each month. You can set up automatic deposits when you use online enrollment to open your HSA,
  or you can set them up at any time by completing an ACH authorization form (visit www.republicbank.com to obtain a copy of
  this form).
• Send contributions by mail – Mail your contributions to Republic Bank using a Mail-in Contribution Form (available online at
  www.republicbank.com).

How to open an HSA at Republic Bank
Simply visit a Banking Center and an Associate will be happy to assist you. Request to open an Associate HSA. Show your Republic
Bank ID to be eligible for this free account. In addition, you may call the IRA/HSA Department at (502) 561-7143 (Internal dial
ext. 4357, option 3, then option 4), if you have questions regarding the health savings account. Email payroll@republicbank.com
with your account number, the amount of your per pay contribution, and whether you are covered under Associate Only, Associate
+ Spouse, Associate + Children, or Family HDHP.

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