The Prudential Insurance Company of America

HELP PROTECT YOUR LOVED ONES— AND YOUR INCOME

Enroll by November 20, 2017.

Follett Corporation All Active Full Time Employees Basic Term Life InsuranceBasic Accidental Death & Dismemberment InsuranceOptional Term Life Insurance Optional Dependent Term Life InsurancePersonal Accident Insurance Insurance

Exp. 03.2019 0308125-00001-00 Ed. 04.2015 ECEd. 09.2017-24878

0308125-00001-00

Summary of BenefitsFollett CorporationAll Active Full Time EmployeesBasic Term Life, Basic Accidental Death & Dismemberment, Optional Term Life, Optional Dependent Term Life and Personal Accident InsuranceIssued by The Prudential Insurance Company of AmericaEffective: 01/01/2018

Basic Term Life

100% Employer Paid n Basic Term Life: You are automatically enrolled for 1.0 times your covered annual earnings to $50,000.

n If you are terminally ill, you can get a partial payment of your group life insurance benefit. You can use this payment as you see fit. The payment to your beneficiary will be reduced by the amount you receive with the Accelerated Benefit Option.* Refer to the plan booklet for details.

n Your life coverage may be continued with premium waived if you become totally disabled. In order to qualify for this premium waiver, you must be totally disabled for 9 months, apply within 12 months of your date of total disability, and be less than 60 years old when your total disability begins. This premium waiver terminates at age 70 or when you cease being totally disabled. This provision may vary by state. Refer to the plan booklet for details.

n Coverage will be reduced as you age - by 35% at age 70 and 50% at age 75 and 65% at age 80.

n Coverage will end on your termination of employment or as specified in the plan booklet. You may convert your insurance to an individual life insurance policy issued by the Prudential Insurance Company of America.

Basic Accidental Death & Dismemberment

100% Employer Paid n Basic AD&D pays you and your beneficiary a benefit for the loss of life or other injuries resulting from a covered accident -- 100% for loss of life and a lesser percentage for other injuries. Injuries covered may include loss of sight or speech, paralysis, and dismemberment of hands or feet. Basic AD&D benefits are paid regardless of other coverages you may have.

n Basic AD&D: You are automatically enrolled for an amount equal to your Basic Term Life coverage amount.

Optional Term Life

100% Employee Paid n Purchase coverage for 1.0 to 5.0 times your covered annual earnings to a maximum of $1,500,000.

n New Hires: If you are newly eligible, you can elect a coverage amount up to the Guaranteed Issue amount of 5 times your covered annual earnings to $500,000, without providing evidence of insurability to The Prudential Insurance Company of America.

n Currently Enrolled: During the open enrollment period, you can increase your coverage by 1 times your covered annual earnings, without providing evidence of insurability to Prudential. Evidence of insurability satisfactory to The Prudential Insurance Company of America is required for all coverage amounts over $500,000, if increasing your coverage by more than 1 times your covered annual earnings or if enrolling after the open enrollment.

n Current Employees who were denied coverage in the past, Current Employees who waived coverage in the past or Late Entrants (did not enroll when first eligible): Evidence of insurability satisfactory to The Prudential Insurance Company of America is required for all coverage amounts.

n If terminally ill, you can get a partial payment of your group term life insurance benefit. You can use this payment as you see fit. In the event of your death, your beneficiary will receive a benefit payout which has been reduced by the amount you receive.

n Your life coverage may be continued with premium waived if you become totally disabled. In order to qualify for this premium waiver, you must be totally disabled for 9 months, apply within 12 months of your date of total disability, and be less than 60 years old when your total disability begins. This premium waiver terminates at age 70 or when you cease being totally disabled. This provision may vary by state. Refer to the plan booklet for details.

n Coverage will be reduced as you age - by 35% at age 70 and 50% at age 75 and 65% at age 80.

n Upon termination of employment, you (if eligible to port) may choose to continue a coverage amount equal to or lower than your current benefit amount. Coverage amounts will be subject to maximum of five times your annual earnings or $1 million, whichever is less.

Spouse / Domestic Partner - Optional Dependent Term Life

100% Employee Paid n Purchase coverage of $20,000.

n New Hires: If your spouse is newly eligible, you can elect a coverage amount for your spouse up to the Guaranteed Issue amount of $20,000, without providing evidence of insurability to The Prudential Insurance Company of America.

n Current Spouse Participants: Your spouse�s current coverage amount will be continued.

n Current Employees whose spouse has been denied coverage in the past, Current Employees who waived spouse coverage in the past or Late Entrants (did not enroll when first eligible): Evidence of insurability satisfactory to The Prudential Insurance Company of America is required for all coverage amounts.

n Coverage will be reduced as you age - by 35% at age 70 and 50% at age 75 and 65% at age 80.

n Upon termination of employment, your spouse (if eligible to port) may choose to continue a coverage amount equal to or lower than your current benefit amount. Coverage amounts for you and your spouse will be subject to a maximum of five times your annual earnings or $1 million, whichever is less.

Child - Optional Dependent Term Life

100% Employee Paidn Purchase coverage of $10,000.

n Coverage begins from live birth, and continues to age 26.

n Upon termination of employment, you (if eligible to port) may choose to continue a dependent child coverage amount equal to or lower than your current benefit amount.

Personal Accident Insurance

100% Employee Paid n Employee Coverage: Purchase increments of $50,000 up to a maximum of $500,000.

n Spouse Coverage: If you are only covering your spouse or domestic partner, you may purchase a coverage amount equal to 60% of your Personal Accident Insurance coverage amount.

n Children Coverage: If you are only covering your child(ren), you may purchase a coverage amount equal to 20% of your Personal Accident Insurance coverage amount.

n Family: If you are covering both your spouse/domestic partner and child(ren), you may purchase Personal Accident equal to 50% for your spouse/domestic partner and 15% for your child(ren).

n Coverage will be reduced as you age - by 35% at age 70 and 55% at age 75 and 85% at age 80.

Benefits, exclusions and provisions may vary by state. Refer to the plan booklet for details.

For your coverage to become effective, you must be actively at work on the effective date of the plan. If you apply for an amount thatrequires satisfactory evidence of insurability to The Prudential Insurance Company of America, you must be actively at work on the dateof approval for the amount requiring satisfactory evidence of insurability.

*Accelerated Death Benefit option is a feature that is made available to group life insurance participants. It is not a health, nursinghome, or long-term care insurance benefit and is not designed to eliminate the need for those types of insurance coverage. The deathbenefit is reduced by the amount of the accelerated death benefit paid. There is no administrative fee to accelerate benefits. Receiptof accelerated death benefits may affect eligibility for public assistance and may be taxable. The federal income tax treatment ofpayments made under this rider depends upon whether the insured is the recipient of the benefits and is considered "terminally ill" or"chronically ill." You may wish to seek professional tax advice before exercising this option.

This policy provides ACCIDENT insurance only. It does NOT provide basic hospital, basic medical or major medicalinsurance as defined by the New York Department of Financial Services.

IMPORTANT NOTICE - THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Optional Term Life, Dependent Term Life, Long Term Disability, Short Term Disability, Accidental Death & Dismemberment Insurance coverages are issued by ThePrudential Insurance Company of America, a Prudential Financial company, Newark, NJ 07102. The Booklet-Certificate contains all details, including any policyexclusions, limitations, and restrictions, which may apply. Contract Series: 83500

© 2016 Prudential Financial, Inc. and its related entities.

Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

Rate Sheet

Implementation of the insurance plan(s) will depend on having a specific percentage of all eligible employees enrolling in the plan(s).If this percentage of enrollment level is not met, these coverage(s) may not be effective. 0270257

Follett CorporationAll Active Full Time EmployeesIssued by The Prudential Insurance Company of America

Effective: 01/01/2018

Rates may change as the insured enters a higher age category. Also, rates may change if plan experience requires achange for all insureds.

�How much does life insurance cost?�The following steps will show you how to calculate your monthly cost of insurance.

Employee

Step 1 Enter the amount of Employee coverage you wish to purchase. $

Step 2 Divide the coverage amounts by 1,000. $

Step 3 Multiply the dollar amounts in Step 2 by the cost of coverage per $1,000 ofcoverage, according to your age, that you�ll find in the chart that follows. Thisgives you the monthly cost of insurance.

$

TOTAL COST FOR EMPLOYEE $

Cost of Optional Term Life Insurance for YouCoverage is available for 1.0 to 5.0 times your covered annual earnings, not to exceed $1,500,000. Refer to the Optional Term Life section for evidence of insurability

details. Initial rates based on age as of effective date of your coverage. Rates will change based on the following age schedule.

Employee's Age Employee Rate< 30 $0.060

30 - 34 $0.09035 - 39 $0.10040 - 44 $0.11045 - 49 $0.17050 - 54 $0.26055 - 59 $0.48060 - 64 $0.74065 - 69 $1.420

70+ $2.300

ExampleA 35 year-old employee elects $60,000 of Optional Term Life for themselves

Employee Monthly Cost $6.00 ($60,000 / 1,000 x $0.100)

Spouse / Domestic Partner - Optional Dependent Term LifeMonthly Cost per Coverage Amount

Coverage is available for $20,000. Refer to the Optional Dependent Term Life section for evidence of insurability details.

$20,000

Age

0 - 99 $6.03

Rates may change if plan experience requires a change for all insureds.

Spouse / Domestic Partner rate is based on Spouse / Domestic Partner's age.

Children - Optional Dependent Term Life Monthly Cost per Coverage Amount

One premium rate covers all eligible childrenCoverage is available for $10,000.

$10,000

$1.90

Rates may change if plan experience requires a change for all insureds.

Family - Personal Accident Insurance Monthly Cost per Coverage AmountCoverage is available in increments of $50,000 to a maximum of $500,000. If you are covering just your spouse/domestic partner, you may purchase a coverage

amount equal to 60% of your coverage. If you are covering just your child(ren), you may purchase Optional AD&D equal to 20% of your coverage. If you are covering

both your spouse/domestic partner and child(ren), you may purchase Optional AD&D equal to 50% of your spouse/domestic partner and 15% for your child(ren).

$50,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000

Employee $1.00 $2.00 $3.00 $4.00 $5.00 $6.00 $7.00 $8.00 $9.00 $10.00Family $1.70 $3.40 $5.10 $6.80 $8.50 $10.20 $11.90 $13.60 $15.30 $17.00

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Ed. 04.2015 ECEd. 09.2017-24878 Exp. 03.2019