YOUR BENEFITS.YOUR CHOICE.

YOUR 2020 BENEFITS GUIDEHAWAII

Take a few minutes – for you and your loved ones – to consider your 2020 benefits needs.

Then, follow these simple steps to ensure you have benefits to protect your family, improve your health and enhance your life.

Enroll by your deadline.

Current Team Members1,2: Enroll during benefits Annual Enrollment between October 21 and November 1, 2019

• New Team Members1: Enroll within 30 days from your start date

• Rehired HGV or Hilton Team Members: Enroll within 30 days if you were rehired less than one year after leaving HGV, or within 90 days if rehired one year or more since leaving HGV

It’s easy!

1Learn about enrolling in your HGV benefitsConsider your needs for the year ahead

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2Choose the benefits that best meet your needsShopping for your benefits is like shopping for anything else. You want to find your perfect fit, so compare all your options.

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3Enroll in your HGV benefitsIt’s quick and easy. You will be able to see and compare your cost options and HGV’s subsidy amount when you enroll online at yourbenefitsresources.com/hgv.

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SIMPLE STEPSHow to enroll in your HGV benefitsVisit Grand Central at hgvgrandcentral.com

Go to Team Member Life > Benefits and Wellness > Manage/Enroll in Benefits: Your Benefits Resources

Then, follow the easy on-screen prompts that will guide you through the enrollment process.

Need assistance accessing Grand Central?For login or password help, contact the HGV Service Desk:

IThelp@hgvc.com 877-641-2582

All Team Members now have an email address, which is firstname.lastname@hgv.com. If you have the same name as someone else, your email may include a numeral, such as firstname.lastname1@hgv.com. Check with the HGV Service Desk to confirm.

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1For specific requirements and details, please refer to your Summary Plan Description (SPD) or contact the HGV Benefits Center.

Hilton Grand Vacations is all about experiencing life at its best. Every day, we focus on creating exceptional experiences for our Owners and guests. And that’s what we want for you, too.

As a benefits-eligible HGV Team Member, we invite you to explore all of HGV’s benefits that are available to you and create a benefits package tailored to your needs. You can “make it yours” by actively enrolling in your benefits by your enrollment deadline.

Current Team Members:

BENEFITSANNUAL ENROLLMENTOctober 21 - November 1, 2019

THINGS TO CONSIDER• Know that HGV cares about your health

HGV helps Team Members live healthier lives by providing high-quality health care coverage. In fact, HGV supports most of the cost of your medical coverage through a subsidy, which reduces your medical premiums. You will see your HGV subsidy amount when you enroll in your benefits.

• Review all your options Because everyone’s needs are different, HGV gives you options to consider. For example, some people want the lowest paycheck deductions, while others choose a plan that costs more up front, but less when they need services. See coverage details when you enroll, and review your options carefully.

• Ensure your doctors will be in your insurance carrier’s network Visiting out-of-network doctors, hospitals, dentists and eye doctors can cost substantially more than staying in-network. When you enroll, you will want to check that your doctors, dentists and eye care specialists are in-network.

• Consider taking advantage of Accident Insurance Accidents can hurt you – and your wallet. Even with medical coverage, your costs related to an accident can be hefty. Accident Insurance can complement your medical coverage by paying a benefit if you or a covered family member is in an accident.

• Enhanced Temporary Disability Insurance (TDI) coverage provided by HGV For 2020, HGV is enhancing its TDI benefit. TDI will now provide 60% of your weekly earnings for up to 26 weeks, if you have a serious injury or illness and are unable to work. The weekly maximum is being raised to $2,308 per week. Because of this enhancement, optional STD Buy-Up is being eliminated for 2020.

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WHO CAN ENROLL?• Full-time HGV Team Members who are regularly scheduled to work at

least 30 hours per week1

• You can also enroll your legal spouse or domestic partner and any eligible dependent children (through the end of the month in which they turn age 26)2,3,4

WHEN DO I ENROLL?

Current Team Members: Enroll during benefits Annual Enrollment between October 21 and November 1, 2019

• New Team Members: Enroll within 30 days from your start date4

• Rehired HGV or Hilton Team Members: Enroll within 30 days of your start date.4

WHAT IF I DON’T ENROLL?• If you don’t want medical and prescription drug coverage for 2020,

please elect “no medical coverage” and complete and submit a Hawaii medical coverage waiver form (HC-5). If you don’t submit the HC-5 waiver form, you’ll be covered by HGV’s lowest-cost Gold medical option.

• If you don’t enroll, you will not have dental or vision coverage through HGV

• If you do not enroll, you will not be able to have a Flexible Spending Account for 2020

Current Team Members: If you have any of the following optional coverages through HGV today, your current coverage will continue in 2020 – at 2020 rates – unless you make a change during benefits Annual Enrollment:

• Supplemental Life Insurance

• Spouse/Dependent Life Insurance

• Accidental Death and Dismemberment (AD&D)coverage

• Long-Term Disability

• The next time you will have an opportunity to change or enroll in your benefits is during Annual Enrollment for 2021 benefits, during the fall of 2020, unless you experience a qualified life event change, such as a marriage, divorce, birth, or adoption

1Does not apply to all Team Members and may vary based on eligibility or location.2If you add or change dependents who are covered under HGV health care plans, you will be required to provide documentation that proves those dependents are eligible. You will receive a letter at home explaining exactly which documents to submit, how to submit them and when they are due.

3If you do not have your dependents’ Social Security Numbers (SSNs) when enrolling, it will not prevent you from enrolling, but it could cause delays in claims processing when your dependents use health care coverage.

4For specific requirements and details, please refer to your Summary Plan Description (SPD) or contact the HGV Benefits Center.

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Learn About Your HGV BenefitsTo learn more about your options, visit hgvgrandcentral.com > Team Member Life > Benefits and Wellness, then select Manage/Enroll in Benefits: Your Benefits Resources. Or log into yourbenefitsresources.com/hgv. You will see a special section at the top of the page devoted just to new Team Members!

LEARN

When you enroll in your HGV benefits, it’s like any other online shopping experience. You will see a variety of great options, and you simply choose the options that best meet your wants and needs. Here’s how to find your fit!

FIRST, CHOOSE YOUR COVERAGE LEVELIt is important to carefully review your options and prices to find the right fit for you and your family.

HMSA GOLD KAISER GOLD

A PPO option with a deductible An HMO option with a deductible that covers in-network care only

HMSA PLATINUM KAISER PLATINUM

A PPO option with no in-network deductible

An HMO option with no deductible that covers in-network care only

THEN, CHOOSE YOUR INSURANCE CARRIERIn addition to coverage level, you also will choose your insurance carrier. Each carrier offers its own network of providers (doctors, hospitals, dentists, eye care specialists) and may cover prescription drugs differently. Ensure that your doctors, dentists and specialists are in the network you’re considering – because the cost of in-network providers is much lower.

Before You Choose a Carrier

See what insurance carrier networks your doctor is in

Visit Grand Central at hgvgrandcentral.com

Go to Team Member Life > Benefits and Wellness > Manage/Enroll in Benefits: Your Benefits Resources

Or visit yourbenefitsresources.com/hgv

Choose the Health & Insurance tab, then select the Find a Doctor or Hospital link

See if your prescriptions will be covered under each carrier

Choose the Health & Insurance tab, then select Prescription Drugs, then choose Save on Prescriptions to compare carriers

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Which coverage level is best?Don’t let the names of the coverage levels fool you. One option is not any better than the other. The coverage levels give you choices – so you can choose the one that best meets your needs. To learn more about coverage levels, visit hgvgrandcentral.com > Team Member Life > Benefits and Wellness, then select Learn About Benefits: Make it Yours (Hawaii). Or visit hgv.makeityoursource.com/hawaii.

When enrolling, you can use the Help Me Choose tool. You simply answer a few questions about your preferences, and the tool will provide an unbiased score (from 1 to 100) for each medical option. The higher the score, the more the plan matches your needs and preferences.1

1The Help Me Choose tool is provided to help review plans. HGV does not recommend any specific option or insurance carrier.

CHOOSE

Which insurance carrier should I choose?• Compare coverage and premiums. Each carrier offers the same metallic

levels, but the cost you pay for coverage may vary.

• If you choose the same metallic option under a different insurance carrier, could you get similar services and pay less?

• Insurance carriers have their own list of preferred drugs and step therapy requirements.1 This is important if you are taking ongoing prescriptions for a medical condition. You will want to know if your prescriptions are covered and how much you will pay throughout the year.

– The Find a Doctor tool is an easy way to see if your doctors are in each insurance carrier’s network. Also, check out the reviews to see what others are saying about the insurance carrier’s customer service, network of providers and websites. You can also rate your current carrier through the Rate Your Carrier link.

– The Check Your Prescriptions tool is a good way to see if your current prescriptions are covered, and any drug requirements that may apply

1Step therapy requires that you try some medications first before “stepping up” to drugs that cost more. For example, you might try an over-the-counter medication for your allergy, but it does not control your symptoms. Your doctor prescribes a prescription drug that still does not give you relief. A third medication that is more expensive works well, but requires step therapy. In this case, your prescription is covered only if you have tried the first two choices. If you have not tried the first two choices, the drug may cost you more or may not be covered at all.

See how your options compareFor detailed information on medical, prescription drug, dental or vision coverage, check out the comparison charts on pages 14 – 17

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How can you learn more about your HGV benefits?LEARN MORE about your HGV Benefits by going to hgvgrandcentral.com > Team Member Life > Benefits and Wellness, then select Learn About Benefits: Make it Yours (Hawaii). Or visit hgv.makeityoursource.com/hawaii. There are also useful articles and videos about using your benefits.

ENROLL: During your enrollment period, you can compare your options, features and costs – then choose the options that best meet your needs. Visit hgvgrandcentral.com > Team Member Life > Benefits and Wellness, then select Manage/Enroll in Benefits: Your Benefits Resources. Or log into yourbenefitsresources.com/hgv.

SIDE-BY-SIDE: Compare the financial accounts

HEALTH CARE FLEXIBLE SPENDING ACCOUNT (FSA)

DEPENDENT CARE FSA

Who is eligible Anyone

Purpose Reimburses you for eligible medical, dental and vision expenses in the current year through March 15 of the following year

Reimburses you for dependent care services (i.e., preschool, summer day camp, before- or after-school programs, and child or adult daycare) so you can work

Contribution limits for 2020

Between $260 and $2,700 Up to $5,000

Changes to contributions

Once enrolled, no changes (unless you have a qualified life event during the year)

Earns interest No

Tax advantages • Contributions are pre-tax• You do not pay taxes on the money used to pay for eligible expenses

Unused balance FSAs have a “use it or lose it” rule. You have until April 30 of the following year to submit your claims. After that, you lose any remaining funds in your FSA.

If you leave HGV You can submit claims only for eligible expenses that were incurred before you leave. You lose any remaining funds.

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Consider a Flexible Spending Account (FSA)• A Health Care FSA allows you to use before-tax dollars to pay for eligible expenses.

• FSAs have a use-it-or-lose-it rule

• You can only use the funds from your 2020 FSA for services performed between January 1, 2020 and March 15, 2021

• You can contribute to both an HSA and a Health Care FSA. However, if you have an HSA, your Health Care FSA can only be used to pay for eligible dental and vision expenses.

You will receive one YSA debit card to use for both accounts. YSA will automatically recognize your expenses and will deduct from the appropriate account.

CHOOSING BEYOND HEALTH BENEFITSIn addition to offering the medical, dental and vision coverage you and your family need, HGV is proud to offer industry-leading benefits that enhance all aspects of your life.

At HGV, we believe that life is a journey toward “well-being” – and HGV benefits are designed to enhance that journey every step of the way.

Protection from the unexpectedLife’s journey can be full of twists and turns – so HGV provides benefits that can help smooth the road ahead. We provide a level of income protection from life’s unexpected events, such as a serious illness or injury that keeps you from working and bringing home a paycheck. We also provide life insurance to provide protection for your loved ones should something happen to you.

Temporary Disability Insurance (TDI)

HGV provides Temporary Disability Insurance,1 which pays 60% of your basic weekly earnings for up to 26 weeks. The weekly maximum for 2020 is $2,308.

To be eligible to receive TDI, you must be currently employed (and have worked for at least 14 weeks) in the state of Hawaii for at least 20 hours each week, and must have earned at least $400 from working during the 52 weeks before you became disabled.

Provided to you by HGV (automatic)

Long-Term Disability (LTD)2

If you are ill or injured and unable to work for more than 180 consecutive days, LTD replaces a portion of your income. You may choose to purchase either of the following coverage levels:3

• 60% of your pay, up to a monthly maximum of $20,000 (less deductible sources of income)

• 50% of your pay, up to $3,000 (less deductible sources of income)

Either option is paid with after-tax dollars, so should you need this benefit, you will receive the money tax-free.

Optional coverage paid by Team Member

1Provided by state mandate. Contact Cigna for details.2If you are enrolled in this plan and your disability begins during your first 12 months participating, the plan will not pay benefits for that disability if it is due to a pre-existing condition. A pre-existing condition is an illness or injury for which you have received medical services or advice, saw a doctor for diagnostic tests or treatment, or took prescribed drugs within three months of the date your coverage became effective or the effective date of your LTD benefits increase.

3Certain amounts of coverage may require Evidence of Insurability (EOI).

How much life insurance do you need?Go to lifebenefits.com/insuranceneeds and choose the Life Insurance Needs Calculator.

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Basic Life Insurance

Financial protection for your loved ones should you pass away. Basic Life Insurance pays your beneficiary an amount equal to 1x your regular annual eligible earnings, up to the plan’s $2.5 million maximum. See the Summary Plan Description (SPD) for more details.

Provided to you by HGV (automatic)

Supplemental Life Insurance

In addition to your Basic Life Insurance, you may purchase more protection for your loved ones – from 1x to 8x your regular annual eligible earnings, up to a maximum of $2.5 million – not combined with your Basic Life benefits.3

Optional coverage paid by Team Member

Dependent Life Insurance

Dependent Life Insurance pays benefits to you if your child or spouse/domestic partner passes away.3 You may choose:

• Spouse/Domestic Partner Life: $5,000, $10,000, $25,000, $50,000 or $100,000; amount may not be more than 100% of your total life benefits (Basic and Supplemental combined)

• Child(ren) Life: $5,000 or $10,000 per child from live birth to age 26

Optional coverage paid by Team Member

Accidental Death and Dismemberment (AD&D) Insurance

AD&D provides a cash benefit to your beneficiary if you die in a covered accident or a payment to you if the accident results in a covered loss that causes a permanent impairment (such as loss of a limb or eyesight). You can choose coverage for yourself of 1x to 8x your regular annual eligible earnings, up to a maximum of $2.5 million – not combined with your Basic Life Insurance benefits. If you enroll in AD&D coverage for yourself, you can purchase Family AD&D:

• A spouse/domestic partner is covered for 40% of your AD&D amount, and each child is covered at 10% of your AD&D amount

• If you have an eligible spouse/domestic partner but no eligible children, your spouse/domestic partner is covered at 50% of your AD&D amount

• If you have eligible children but no eligible spouse/domestic partner, each child is covered at 15% of your AD&D amount

• In any case, the maximum benefits allowed are up to $500,000 for your spouse/domestic partner, and up to $50,000 per child

Optional coverage paid by Team Member

Business Travel Accident (BTA) Insurance

BTA Insurance pays your beneficiary a cash benefit if you are killed or are seriously injured while traveling on company business.4

Provided to some Team Members by HGV (automatic)

4Not available to all Team Members at all locations. Benefits may vary based on eligibility or location. Benefits of Team Members represented by a union will be governed by the applicable collective bargaining agreement or applicable bargaining obligation.

Beneficiaries up to date?For your Life and AD&D Insurance benefits, please choose a beneficiary when you enroll on the enrollment website. A beneficiary is a person you choose to receive benefits if you die.

It’s important to keep this information up to date as your situation changes (for example, if you get married, divorced or have a child).

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Other things to enroll in once a year During your enrollment period, you may also choose to enroll in the following benefits

TURN TIME INTO MONEY If you don’t plan to use all your paid time off1 – or you’d rather have money instead of time off – HGV’s PTO Sell Program provides a way for you to sell back up to 40 hours per year of the PTO you will accrue in the year ahead.2 Based on the amount of accrued PTO hours you have remaining at the end of October 2020, you will receive a payout for the hours elected (and still available). Your payout (usually in your first paycheck in December) will be based on your salary as of November 2020.

ACCIDENT INSURANCE Accidents happen when you least expect them, and trips to the emergency room can be very expensive. Even seemingly small injuries can come with high hospital bills. Accident Insurance from Aflac provides a financial cushion for life’s unexpected events by helping you pay for costs that aren’t covered by your medical plan. If you are in an accident and suffer a covered injury (such as a fracture, dislocation, or concussion) or need medical services (such as an ambulance, surgery or physician follow-up), Accident Insurance can help pay for deductibles, copays, household bills and more.

INSURANCE TO HELP CURE HIGH HOSPITAL EXPENSES Health care coverage only covers certain expenses. But if you or a family member is admitted to a hospital, there may be many costs that you will have to pay. Hospital Care Coverage from Cigna pays you a cash benefit if you or a covered family member is admitted to a hospital. Note: If you enroll in Bronze Plus coverage, this can be particularly valuable since it can be used to cover health insurance deductibles upon the occurrence of certain events. Coverage includes a hospital admission benefit ($1,000) and a hospital confinement benefit of $200 per day for up to 30 days.

NEED LEGAL SUPPORT? HGV has partnered with Hyatt Legal Plans, a MetLife Company, to offer you valuable legal services at group rates and through convenient payroll deductions. If you anticipate needing legal advice in the year ahead, this benefit can eliminate the stress of finding a lawyer and paying hefty legal fees. It gives you access to experienced, pre-qualified attorneys for an unlimited number of personal legal matters, including creating or updating wills and trusts, debt matters, real estate transactions, traffic violations and more.

This benefit is only available during benefits Annual Enrollment. You may not enroll during the year, even if you have a qualified life event change. Learn more at legalplans.com (access code: 9900395) or call 800-821-6400. Visit hgvgrandcentral.com > Team Member Life > Benefits and Wellness for more information.

DON’T BECOME AN IDENTITY THEFT VICTIM Identity thefts occur every day. To provide the protection you need, HGV offers Identity Theft Protection through InfoArmor. You can choose to cover yourself – and/or your family members. InfoArmor will continually monitor your credit reports and scores and will create an annual credit report. They will also monitor social media. In addition, they offer restoration services should your identity be stolen – and up to a million dollars of coverage should someone steal your identity and your bank account.

1PTO does not apply to all Team Members at every level.2PTO Sell does not apply to all Team Members at every level.

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LOG INFrom work: Visit Grand Central at hgvgrandcentral.com. Go to Team Member Life > Benefits and Wellness > Manage/Enroll in Benefits: Your Benefits Resources

Or: Log into yourbenefitsresources.com/hgv

ENROLLFollow the easy steps that guide you through the enrollment process. Look for the helpful and easy-to-use online decision tools.

For medical, dental and vision coverage, choose each of your dependents whom you want covered.

Benefits that are 100% company-paid, such as Basic Life Insurance, will remain in place. No action is required on your part to continue this coverage.

Current Team Members: If you have any of the following optional coverages through HGV today, your current coverage will continue in 2020 – at 2020 rates – unless you make a change during benefits Annual Enrollment:

• Supplemental Life Insurance

• Spouse/Dependent Life Insurance

• Accidental Death and Dismemberment (AD&D) coverage

• Long-Term Disability

CONFIRM Once you’ve made all of your choices, make sure to hit Confirm in order to complete your enrollment. Review your choices on the Confirmation of Enrollment page, and print a copy for your records.

Need assistance logging into hgvgrandcentral.com?Contact the HGV Service Desk at 877-641-2582 or ITHelp@hgvc.com

ENROLL

OUTSTANDING BENEFITS THAT MAKE LIFE BETTER ... YEAR ROUNDTake advantage of all the great rewards that HGV offers – outstanding benefits that can save you time, and money, and simply make life better.

1The Internal Revenue Service (IRS) sets limits on the amount of adoption assistance that can be provided free of federal income taxes each year. You will be required to pay income taxes on any adoption assistance benefits that you receive in excess of the IRS limit.

2PTO does not apply to all Team Members at every level.

EXCLUSIVE! Go Hilton – Team Member Travel Our signature benefit – and definitely one of our most popular! Go Hilton provides exceptional travel experiences to Team Members, their families and friends – all at amazing discounts! Go Hilton provides 70 Family & Friend room nights in 2020. Combined with your current 30 Team Member nights, that’s a total of 100 Go Hilton nights for 2020! Plan your next getaway at hilton.com/go. Visit hgvgrandcentral.com > Team Member Life > Go Hilton for more information.

GO HILTON CONCIERGE SERVICE To help you get the most out of the Go Hilton travel program, the Go Hilton Concierge service offers support with hotel searches, room reservations, cancellations, changes and other Go Hilton questions. Email Go.Concierge@hilton.com for more information.

ENHANCED PARENTAL LEAVE FOR PARENTS OF A NEW BABY! At HGV, our Team Members and their families are part of our family. And we want the best for our family! We understand there are few moments in life more precious than those spent bonding with a new child. HGV’s Parental Leave Plan is one of the best in the industry! HGV now offers up to 12 consecutive weeks of fully paid parental leave to eligible Team Members.

BEST IN THE INDUSTRY! Adoption Assistance In addition to fully paid parental leave, HGV offers an industry-leading adoption assistance benefit that reimburses eligible Team Members for adoption expenses – up to $10,000 per child, with no limit to the number of adoptions.1 For more information, contact the plan administrator, Your Spending Account, at 844-487-5601. Visit hgvgrandcentral.com > Team Member Life > Benefits and Wellness for more information.

MAKE TIME TO TAKE TIME! HGV’s Paid Time Off (PTO) Program2 provides an opportunity for you to use time off during the year to recover when you’re not feeling well, to enjoy adventure, or simply for a little rest and relaxation.

A HEALTH CARE EXPERT IS IN YOUR CORNER When you have a bill of at least $300 from an out-of-network provider, Bill Negotiation Services is available to make sure the amount billed is appropriate. In some cases, they can help save 20% or more! Anytime during the year, go to medicalcostadvocate.com.aon or call 844-891-8981.

TALK TO A DOCTOR, BUT AVOID THE WAITING ROOM Most medical carriers offer telemedicine as a convenient alternative to going to the doctor’s office. Simply call your carrier using the number on the back of your medical ID card. The copay/cost is similar to an office visit. The telemedicine doctor can diagnose your illness and write a prescription, if needed. Covered students in your family who are away at college can use this valuable benefit too.

SAVE MONEY ON THINGS YOU WANT Maximize your spending dollars by using our great Team Member discount program from perksatwork.com – you’ll save on computers, phone service, home improvement products, theater tickets and much more! Visit hgvgrandcentral.com > Team Member Life > Perks and Discounts for more information.

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MORE

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BUILD YOUR FUTURE The HGV Retirement Savings Plan, administered by T. Rowe Price, makes it super easy! To get started, visit rps.troweprice.com or call 800-922-9945. Visit hgvgrandcentral.com > Team Member Life > Benefits and Wellness for more information.

SAVE MONEY ON COMMUTER EXPENSES HGV’s Commuter benefit allows you to set aside pre-tax funds each month from your paycheck to pay for qualified commuting expenses, like parking expenses or public transportation fees (bus, train, subway, ferry, trolley or vanpool) – up to $260/month for transit and $260/month for qualified parking.

REAL HELP WHEN YOU NEED IT MOST If you’re facing a complicated benefits or billing issue, Advocacy Services provides free assistance when you need it. Professionally trained Health Pros can help you resolve even the most challenging health care billing and insurance claim disputes, understand your HGV benefits, and consider the best course of action when you have a medical or benefits question or concern. Your Health Pro is ready to help! Contact Advocacy Services by calling the HGV Benefits Center at 844-487-5601, Monday through Friday, 9 a.m. to 7 p.m. ET, and listen to the prompts to reach Advocacy Services.

STAY FIT FOR LESS The Active&Fit Direct program™ offers discounted gym memberships to HGV Team Members! Choose from more than 10,000 participating fitness centers and select YMCAs, nationwide for only $25 per month (plus a $25 enrollment fee and applicable taxes). To enroll, visit Grand Central at hgvgrandcentral.com. Go to Team Member Life > Benefits and Wellness > Active&Fit.

The Active&Fit Direct program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH). Active&Fit Direct is a trademark of ASH.

TAKE STOCK IN THE COMPANY – AT A DISCOUNT! Twice a year, we offer Team Members an opportunity to become stockholders in the company. Through the Employee Stock Purchase Plan (ESPP), eligible Team Members can purchase HGV common stock at a 5% discount through convenient payroll deductions, becoming an owner in our company.

A LITTLE LOVE FOR YOUR PETS, TOO! If you’re a pet lover, you know how costly veterinary bills can be. HGV’s Pet Insurance from MetLife covers a wide range of veterinary services. You pay just a little, and Pet Insurance pays the rest! Use any licensed veterinarian, and you can add or drop coverage at any time during the year. You simply pay your premiums by credit or debit card.

SAVE MONEY ON AUTO/HOME/RENTER’S INSURANCE As an HGV Team Member, you can take advantage of special group rates and policy discounts on many types of insurance – including auto, home, condominium, renter’s, and recreational vehicle insurance. You enroll for coverage directly with the insurance carrier, which you’ll be able to find on the enrollment website. You can add or drop coverage at any time during the year and pay your premiums by credit or debit card.

THE HELP YOU NEED – WHENEVER YOU NEED IT There are so many helpful benefits available through our Employee Assistance Program (EAP), administered by ComPsych, most at no cost to you. Work-life specialists can provide referrals to local child care centers, after-school programs and summer camps for kids, or referrals to assisted living and other housing options for the elderly. They can also provide expert counseling services for individuals and families – for whatever you’re going through. Don’t feel that you are alone! You and your dependents can get up to six free confidential counseling sessions per issue per year. Get more information at guidanceresources.com (Organization Web ID: HGVEAP) or 844-236-4491.

HEADED ON AN INTERNATIONAL VACATION? We offer affordable, comprehensive International Vacation Medical Coverage from GeoBlue for family members traveling outside the U.S. Call 844-358-7278 for more information.

PLAN COMPARISON CHARTS

Medical coverage level optionsYou have several options to choose from. Each option is available at different costs. When you enroll, you’ll find plenty of resources to help you choose.

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HMSA GOLD KAISER GOLD HMSA PLATINUM KAISER PLATINUM

Option type PPO HMO PPO HMO

Annual deductible

In-network (individual/family)

Combined in-network and out-of-network:

$200/$600

$200/$400 N/A N/A

Out-of-network (individual/family)

Combined in-network and out-of-network:

$200/$600

Not covered $100/$300 Not covered

Annual out-of-pocket maximum

In-network (individual/family)

Combined in-network and out-of-network:

$2,200/$6,600

$2,200/$4,400 Combined in-network and out-of-network:

$2,500/$7,500

$2,500/$7,500

Out-of-network (individual/family)

Combined in-network and out-of-network:

$2,200/$6,600

N/A Combined in-network and out-of-network:

$2,500/$7,500

N/A

In-network benefits

Preventive care 100% covered; deductible waived

100% covered; deductible waived

100% covered 100% covered

Doctor’s office visit You pay $12 You pay $15 You pay $12 You pay $15

Emergency room You pay 20% after deductible

You pay 20%; deductible waived

You pay 20% You pay $75

Urgent care You pay $12 You pay $15 You pay $12 You pay $15

Inpatient care You pay 20% after deductible

You pay 10% after deductible

You pay 10% You pay $75 per day

Outpatient care Cost share based on place of service

Cost share based on place of service

Cost share based on place of service

Cost share based on place of service

BRONZE PLUS SILVER GOLD PLATINUM

Preventive drugs (determined by the insurance carrier, as required by the Affordable Care Act)

You pay $0* You pay $0* You pay $0* You pay $0*

Prescription drug annual out-of-pocket maximum (individual/family)

$3,000/$7,200 Included in medical out-of-pocket

maximum

$3,000/$5,700 Included in medical out-of-pocket

maximum

30-day retail supply

Tier 1 (generally lowest-cost options)

You pay $7 You pay $5 for generic maintenance drugs; $10 for other

generic drugs

You pay $5 You pay $5 for generic maintenance drugs; $10 for other

generic drugs

Tier 2 (generally medium-cost options)

You pay $35 You pay $35 You pay $30 You pay $35

Tier 3 (generally highest-cost options)

You pay $75 Not covered You pay $70 Not covered

90-day retail supply

Tier 1 (generally lowest-cost options)

You pay $14 You pay $10 for generic maintenance drugs; $20 for other

generic drugs

You pay $10 You pay $10 for generic maintenance drugs; $20 for other

generic drugs

Tier 2 (generally medium-cost options)

You pay $70 You pay $70 You pay $60 You pay $70

Tier 3 (generally highest-cost options)

You pay $150 Not covered You pay $140 Not covered

*You must have a doctor’s prescription for the medication – even for products sold over the counter (OTC) – and you must use an in-network retail pharmacy or mail-order service.

Important! If you choose HMSA as your insurance carrier, you’ll have a separate and additional out-of-pocket maximum for prescription drugs. That means your prescription costs will not count toward your medical out-of-pocket maximum (and vice versa).

Prescription drug coverage

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PLAN COMPARISON CHARTS

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How do the deductible and out-of-pocket maximum work?The HMSA Gold and Kaiser Gold options have a traditional deductible. Once a covered family member meets the individual deductible, your insurance will begin paying benefits for that family member. Charges for all covered family members will continue to count toward the family deductible. Once the family deductible is met, your insurance will pay benefits for all covered family members.

All medical options have a traditional out-of-pocket-maximum. Once a covered family member meets the individual out-of-pocket maximum, your insurance will pay the full cost of covered charges for that family member. Charges for all covered family members will continue to count toward the family out-of-pocket maximum. Once the family out-of-pocket maximum is met, your insurance will pay the full cost of covered charges for all covered family members.

Going out of network?If you choose HMSA, seeing out-of-network providers will cost you more than seeing in-network providers. For example, you could pay more through a higher deductible, higher coinsurance, and the entire amount that exceeds the maximum allowed amount, which is typically based on the amount Medicare pays.

If you choose Kaiser Permanente as your insurance carrier, you must designate a primary care physician to coordinate your care, and out-of-network care is not covered.

Dental coverage level options

BRONZE PLUS SILVER GOLD PLATINUM2

Annual deductible and plan limits

Annual deductible (individual/family)

$100/$300 $100/$300 $50/$150 None

Annual maximum (excludes orthodontia)

$1,000 per person $1,500 per person $2,500 per person None

Orthodontia lifetime maximum1

Not covered $1,500 per child $2,000 per person Varies by insurance carrier

In-network benefits

Preventive care 100% covered, no deductible

100% covered, no deductible

100% covered, no deductible

Varies by insurance carrier; generally

covered 100%

Minor restorative care (e.g., root canal treatment, gum disease treatment, and oral surgery)

You pay 20% after deductible

You pay 20% after deductible

You pay 20% after deductible

Varies by insurance carrier

Major restorative care (e.g., implants, dentures)

Not covered You pay 40% after deductible

You pay 20% after deductible

Varies by insurance carrier

Orthodontia Not covered You pay 50%, no deductible; children

up to age 19 only

You pay 50%, no deductible; for

children and adults

Varies by insurance carrier

Limits:

• Fluoride treatment limited to two per plan year, until age 19

• Sealant limited to once every three years, until age 19

• Periodontal maintenance limit: four per plan year

1If you switch insurance carriers, any orthodontic expenses you’ve already incurred under your current carrier will count toward your new carrier’s orthodontia lifetime maximum.

2Platinum coverage is an HMO option. Not available in some limited areas. Only the coverage levels for which you are eligible will show as options when you enroll.

These charts may not take into account how each coverage level covers any state-mandated benefits, its plan administration capabilities, or the approval from the state Department of Insurance of the benefits offered by the plan. If you have questions about a specific benefit, contact the insurance carrier for additional information.

These charts are a high-level listing of commonly covered benefits across carriers and coverage levels for the Aon Active Health Exchange. They are intended to provide you with a snapshot of benefits provided across coverage levels. In general, carriers have agreed to the majority of standardized plan benefits recommended by the exchange. Individual carriers may offer coverage that differs slightly from the standard coverage reflected here.

The Enrollment Website gives a more detailed look at these and additional coverages – and does account for some carrier adjustments to standardized plan benefits. To see summaries when you enroll online, check the boxes next to the options you want to review and click Compare. In order to get the most comprehensive information about any specific coverage, you will need to call the carrier directly.

Note: For additional comparison, you may find Summaries of Benefits and Coverage on the enrollment website.

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Vision coverage level options

BRONZE PLUS SILVER GOLD

Routine vision exam (once per plan year)

Covered 100% You pay $20 You pay $10

Frames (once per plan year) Discount may apply $100 allowance1 $200 allowance1

Lenses (once per plan year; premium lenses may cost more)

Single vision Discount may apply You pay $20 You pay $10

Bifocal Discount may apply You pay $20 You pay $10

Trifocal Discount may apply You pay $20 You pay $10

Standard progressive2 Discount may apply You pay $20 You pay $10

Lenticular Discount may apply You pay $20 You pay $10

Lens enhancements

UV treatment Discount may apply You pay $15 You pay $15

Tint (solid and gradient) Discount may apply You pay $15 You pay $15

Standard plastic scratch-resistant coating

Discount may apply You pay $15 You pay $15

Standard anti-reflective coating

Discount may apply You pay $45 You pay $45

Standard polycarbonate (adults)

Discount may apply You pay $40 You pay $15

Standard polycarbonate (children)

Discount may apply You pay nothing You pay nothing

Other add-ons Discount may apply Discount only Discount only

Contact lenses

Medically necessary Not covered You pay $20 You pay $10

Elective Not covered $100 allowance1 $200 allowance1

Fit and evaluation Discount may apply You pay $20 You pay $10

Laser surgery

Elective 15% off regular price or 5% off promotional price

15% off regular price or 5% off promotional price

15% off regular price or 5% off promotional price

1Allowance can be used for frames or elective contact lenses, but not both.2Vision benefits are for standard progressives. Enhanced progressives may cost more and will vary by insurance carrier.

PLAN COMPARISON CHARTS

WHERE TO GO WHEN YOU NEED CARE

Walk-in clinic or telemedicine Doctor’s office Urgent care center Emergency room

Cost $ $$ $$$ $$$$

Reasons to go • When you have symptoms of a common illness (cough, flu, bronchitis, ear infection, sore throat, urinary tract infection, or skin condition like a rash or itching)

• Can diagnose your illness and write a prescription, if needed

• Walk-in clinics also handle screenings and vaccinations

• Annual preventive care checkup

• When you have symptoms of a common illness (cough, flu, bronchitis, ear infection, sore throat, urinary tract infection or skin condition like a rash or itching)

• Screenings

• Vaccinations

• Fever without a rash

• Non-life-threatening allergic reactions

• Burns, broken bones

• Sprains and cuts (and stiches, if needed)

• Other serious but non-life-threatening conditions

• An emergency: life-threatening illness or injury

• If you think you may be having a heart attack

• Sudden pain

• Difficulty breathing

• Deep cuts

USE

Free preventive care included with your HGV medical plan:Your preventive care checkup is 100% covered under your HGV medical plan. When you call your doctor’s office, simply tell the receptionist that you’d like to schedule your preventive care checkup. With regular checkups, your doctor can identify risk factors for chronic disease – even if you have no apparent symptoms. Preventive care services include wellness visits and standard immunizations, and screenings for blood pressure, certain cancers, cholesterol issues, obesity and Type 2 diabetes.

18

19

HERE TO ASSIST YOUWhenever you have questions or concerns about your HGV benefits, call the HGV Benefits Center at 844-487-5601, Monday through Friday, 4 a.m. to 2 p.m. HT.

If you have questions on specific benefits, you can contact the insurance carrier or provider.

Medical insurance carrier

Pre-enrollment Phone

Post-enrollment Phone Pre-enrollment website Post-enrollment website

HMSA 800-651-4672 800-651-4672 hmsa.com/aon members.hmsa.com

Kaiser Permanente 877-580-6125 808-432-5955 kp.org/aon kp.org

Dental insurance carrier Phone Pre-enrollment website Post-enrollment website

Aetna 855-496-6289 aetna.com/aon/fi/2020 aetna.com

Cigna 855-694-9638 connections.cigna.com/aonactivehealth-2020/

my.cigna.com

Delta Dental (Bronze, Silver, Gold)

800-503-4162 Post-enrollment: 800-471-7614

ddca.deltadentalexchange.com/ deltadentalins.com

Delta Dental (Platinum)

800-546-9751Post-enrollment: 800-471-8073

deltadental.com/aonhewitt/ca deltadentalins.com

MetLife 888-309-5526 metlife.com/aon-exchange metlife.com/mybenefits

UnitedHealthcare 888-571-5218 welcometouhc.com/aon3 myuhc.com

Vision insurance carrier Phone Pre-enrollment website Post-enrollment website

EyeMed 844-739-9837 eyemedexchange.com/aon eyemedvisioncare.com/member/public/login.emvc

MetLife 888-309-5526 metlife.com/aon-exchange metlife.com/mybenefits

UnitedHealthcare 888-571-5218 welcometouhc.com/aon3 myuhcvision.com

Vision Service Plan (VSP)

877-478-7559 aon.vspexchange.com vsp.com/signon.html

OTHER BENEFIT PLANS

Insurance company or provider Plan type Phone Website

Alight Solutions - Your Spending Account (YSA)

Health Savings Account, Flexible Spending Accounts, Commuter Benefits

844-487-5601 yourbenefitsresources.com/hgv

Cigna TDI, LTD, Hospital Care Coverage, Salary Continuation Plan

800-244-6224 cigna.com

ComPsych Corporation Employee Assistance Program 844-236-4491TDD: 800-697-0353

guidanceresources.com Organization Web ID: HGVEAP

Securian Life and AD&D Insurance 866-881-3348 lifebenefits.com

T. Rowe Price Retirement Savings Plan 800-922-9945 rps.troweprice.com

VOLUNTARY PLANS

Insurance company or provider Plan type Phone Website

Aflac Accident Insurance 800-992-3522 aflac.com

Hyatt Legal Plans (a MetLife Company)

Legal Services 800-821-6400 legalplans.com (access code: GETLAW)

InfoArmor Identity Theft Protection 800-789-2720 MyPrivacyArmor.com

MetLife Auto, Home and Pet Insurance 800-GET-MET 8(800-438-6388)

metlife.com/mybenefits

HELP

Is your personal contact information up to date?It’s important to verify and update your personal information, including your emergency contact information and current home mailing address. It’s simple!

Visit hgvgrandcentral.com > Applications > Oracle. After you sign in to Oracle, select About Me, then Personal Information

Additional benefits informationA Summary of Benefits and Coverage (SBC) provides medical plan information, such as plan limits and costs for certain health services, in a consistent way across employers and plans.

Summary Plan Descriptions (SPDs) provide even more detailed descriptions of your benefits information.

These notices are available at yourbenefitsresources.com/hgv.

The Retirement Plan SPD is available at rps.troweprice.com.

You can also get a paper copy, free of charge, by contacting the HGV Benefits Center at 844-487-5601, Monday through Friday, 9 a.m. – 7 p.m. ET, or by emailing HGVBenefits@hgv.com.

REMEMBER TO ENROLL IN YOUR 2020 BENEFITSVisit Grand Central at hgvgrandcentral.com

Go to Team Member Life > Benefits and Wellness > Manage/Enroll in Benefits: Your Benefits Resources

Or visit yourbenefitsresources.com/hgv

This document gives highlights of certain benefit plans and programs. It is not intended to be a Summary Plan Description (SPD) or modification to the SPD. If there are differences between this document and the SPD and/or the plan document, the terms of the SPD and plan document will control.

Represented Team Members should refer to their collective bargaining agreement for information concerning benefits for which they are eligible.

The company may amend or terminate its benefit plans and programs at any time at its sole discretion for any reason. The description of the benefit plans and programs, the benefit plans and programs themselves, or participation in the benefit plans and programs is not an employment contract or any type of employment guarantee and should not be construed as such.

Your Benefits Resources and Your Spending Account are trademarks of Alight Solutions LLC.