Zara USA, Inc.Effective Date: 10-01-2018Dental Benefits SummaryHigh PPO OptionActive PPOWith PPOII NetworkParticipatingNon-participatingAnnual Deductible*Individual 50Family 150Preventive Services100%Basic Services80%Major Services50%Annual Benefit Maximum 1,500Office Visit CopayN/AOrthodontic Services**50%Orthodontic DeductibleNoneOrthodontic Lifetime Maximum 1,000*The deductible applies to: Basic & Major services only**Orthodontia is covered only for children (appliance must be placed prior to age 20).Partial List of ServicesPreventiveOral examinations (a)Cleanings (a) Adult/ChildFluoride (a)Sealants (permanent molars only) (a)Bitewing Images (a)Full mouth series Images (a)Space MaintainersBasicRoot canal therapyAnterior teeth / Bicuspid teethScaling and root planing (a)Gingivectomy*Amalgam (silver) fillingsComposite fillings (anterior teeth only)Stainless steel crownsIncision and drainage of abscess*Uncomplicated extractionsSurgical removal of erupted tooth*Surgical removal of impacted tooth (soft tissue)*MajorInlaysOnlaysCrownsCrown lengtheningFull & partial denturesPonticsRoot canal therapy, molar teethOsseous surgery (a)*Surgical removal of impacted tooth (partial bony/ full bony)*General anesthesia/intravenous sedation*Denture repairsCrown Build-Ups 100 300100%80%50% 1,500N/A50%None 1,000Active PPOWith PPOII %50%50%50%50%50%50%50%50%*Certain services may be covered under the Medical Plan. Contact Member Services for more details.(a) Frequency and/or age limitations may apply to these services. These limits are described in the booklet/certificate.Page: 1Prepared: 08/23/2018 04:20 PM

Zara USA, Inc.Effective Date: 10-01-2018Dental Benefits SummaryHigh PPO OptionActive PPOOther Important InformationThis Aetna Dental Preferred Provider Organization (PPO) benefits summary is provided by Aetna Life Insurance Company forsome of the more frequently performed dental procedures. Under the Dental Preferred Provider Organization (PPO) plan, youmay choose at the time of service either a PPO participating dentist or any nonparticipating dentist. With the PPO plan, savingsare possible because the participating dentists have agreed to provide care for covered services at negotiated rates. Nonparticipating benefits are subject to recognized charge limits.Emergency Dental CareIf you need emergency dental care for the palliative treatment (pain relieving, stabilizing) of a dental emergency, you are covered24 hours a day, 7 days a week.When emergency services are provided by a participating PPO dentist, your co-payment/coinsurance amount will be based on anegotiated fee schedule. When emergency services are provided by a non-participating dentist, you will be responsible for thedifference between the plan payment and the dentist's usual charge. Refer to your plan documents for details. Subject to staterequirements. Out-of-area emergency dental care may be reviewed by our dental consultants to verify appropriateness oftreatment.Partial List of Exclusions and Limitations* - Coverage is not provided for the following:1. Services or supplies that are covered in whole or in part:(a) under any other part of this Dental Care Plan; or(b) under any other plan of group benefits provided by or through your employer.2. Services and supplies to diagnose or treat a disease or injury that is not:(a) a non-occupational disease; or(b) a non-occupational injury.3. Services not listed in the Dental Care Schedule that applies, unless otherwise specified in the Booklet-Certificate.4. Those for replacement of a lost, missing or stolen appliance, and those for replacement of appliances that have beendamaged due to abuse, misuse or neglect.5. Those for plastic, reconstructive or cosmetic surgery, or other dental services or supplies, that are primarily intended toimprove, alter or enhance appearance. This applies whether or not the services and supplies are for psychological or emotionalreasons. Facings on molar crowns and pontics will always be considered cosmetic.6. Those for or in connection with services, procedures, drugs or other supplies that are determined by Aetna to be experimentalor still under clinical investigation by health professionals.7. Those for dentures, crowns, inlays, onlays, bridgework, or other appliances or services used for the purpose of splinting, toalter vertical dimension, to restore occlusion, or to correct attrition, abrasion or erosion.8. Those for any of the following services (Does not apply to the DMO plan in TX):(a) an appliance or modification of one if an impression for it was made before the person became a covered person;(b) a crown, bridge, or cast or processed restoration if a tooth was prepared for it before the person became a coveredperson; or(c) root canal therapy if the pulp chamber for it was opened before the person became a covered person.9. Services that Aetna defines as not necessary for the diagnosis, care or treatment of the condition involved. This applies evenif they are prescribed, recommended or approved by the attending physician or dentist.10. Those for services intended for treatment of any jaw joint disorder, unless otherwise specified in the Booklet-Certificate.11. Those for space maintainers, except when needed to preserve space resulting from the premature loss of deciduous teeth.12. Those for orthodontic treatment, unless otherwise specified in the Booklet-Certificate.13. Those for general anesthesia and intravenous sedation, unless specifically covered. For plans that cover these services,they will not be eligible for benefits unless done in conjunction with another necessary covered service.14. Those for treatment by other than a dentist, except that scaling or cleaning of teeth and topical application of fluoride may bedone by a licensed dental hygienist. In this case, the treatment must be given under the supervision and guidance of a dentist.15. Those in connection with a service given to a person age 5 or older if that person becomes a covered person other than:(a) during the first 31 days the person is eligible for this coverage, or(b) as prescribed for any period of open enrollment agreed to by the employer and Aetna. This does not apply to chargesincurred:(i) after the end of the 12-month period starting on the date the person became a covered person; or(ii) as a result of accidental injuries sustained while the person was a covered person; or(iii) for a primary care service in the Dental Care Schedule that applies as shown under the headings Visits and Exams,and X-rays and Pathology.Page: 2Prepared: 08/23/2018 04:20 PM

Zara USA, Inc.Effective Date: 10-01-2018Dental Benefits SummaryHigh PPO Option16. Services given by a nonparticipating dental provider to the extent that the charges exceed theActiveamountPPOpayable for theservices shown in the Dental Care Schedule that applies.17. Those for a crown, cast or processed restoration unless:(a) it is treatment for decay or traumatic injury, and teeth cannot be restored with a filling material; or(b) the tooth is an abutment to a covered partial denture or fixed bridge.18. Those for pontics, crowns, cast or processed restorations made with high-noble metals, unless otherwise specified in theBooklet-Certificate.19. Those for surgical removal of impacted wisdom teeth only for orthodontic reasons, unless otherwise specified in the BookletCertificate.20. Services needed solely in connection with non-covered services.21. Services done where there is no evidence of pathology, dysfunction or disease other than covered preventive services.Any exclusion above will not apply to the extent that coverage of the charges is required under any law that applies to thecoverage.*This is a partial list of exclusions and limitations, others may apply. Please check your plan booklet for details.Your Dental Care Plan Coverage Is Subject to the Following Rules:Replacement RuleThe replacement of; addition to; or modification of: existing dentures; crowns; casts or processed restorations; removabledenture; fixed bridgework; or other prosthetic services is covered only if one of the following terms is met:The replacement or addition of teeth is required to replace one or more teeth extracted after the existing denture orbridgework was installed. This coverage must have been in force for the covered person when the extraction took place.The existing denture, crown; cast or processed restoration, removable denture, bridgework, or other prosthetic service cannot bemade serviceable, and was installed at least 8 years before its replacement.The existing denture is an immediate temporary one to replace one or more natural teeth extracted while the person is covered,and cannot be made permanent, and replacement by a permanent denture is required. The replacement must take place within12 months from the date of initial installation of the immediate temporary denture.The extraction of a third molar does not qualify. Any such appliance or fixed bridge must include the replacement of an extractedtooth or teeth.Tooth Missing But Not Replaced RuleCoverage for the first installation of removable dentures; fixed bridgework and other prosthetic services is subject to therequirements that such removable dentures; fixed bridgework and other prosthetic services are (i) needed to replace one or morenatural teeth that were removed while this policy was in force for the covered person; and (ii) are not abutments to a partialdenture; removable bridge; or fixed bridge installed during the prior 8 years.Alternate Treatment Rule: If more than one service can be used to treat a covered person’s dental condition, Aetna may decide toauthorize coverage only for a less costly covered service provided that all of the following terms are met:(a) the service must be listed on the Dental Care Schedule;(b) the service selected must be deemed by the dental profession to be an appropriate method of treatment; and(c) the service selected must meet broadly accepted national standards of dental practice.If treatment is being given by a participating dental provider and the covered person asks for a more costly covered service thanthat for which coverage is approved, the specific copayment for such service will consist of:(a) the copayment for the approved less costly service; plus(b) the difference in cost between the approved less costly service and the more costly covered service.Finding Participating ProvidersConsult Aetna Dentals online provider directory, DocFind , for the most current provider listings. Participating providers areindependent contractors in private practice and are neither employees nor agents of Aetna Dental or its affiliates. The availabilityof any particular provider cannot be guaranteed, and provider network composition is subject to change without notice. For themost current information, please contact the selected provider or Aetna Member Services at the toll-free number on your online IDcard, or use our Internet-based provider directory (DocFind) available at products may not be available on both a self-funded and insured basis. The information in this document is subject tochange without notice. In case of a conflict between your plan documents and this information, the plan documents will govern.In the event of a problem with coverage, members should contact Member Services at the toll-free number on their online IDcards for information on how to utilize the grievance procedure when appropriate.All member care and related decisions are the sole responsibility of participating providers. Aetna Dental does not provide healthcare services and, therefore, cannot guarantee any results or outcomes.Page: 3Prepared: 08/23/2018 04:20 PM

Zara USA, Inc.Effective Date: 10-01-2018Dental Benefits SummaryHigh PPO OptionActivePPO of California Inc.Dental plans are provided or administered by Aetna Life Insurance Company, Aetna Dental Inc., AetnaDentaland/or Aetna Health Inc.In Texas, the Dental Preferred Provider Organization (PPO) is known as the Participating Dental Network (PDN), and isadministered by Aetna Life Insurance Company.This material is for informational purposes only and is neither an offer of coverage nor dental advice. It contains only a partial,general description of plan or program benefits and does not constitute a contract. The availability of a plan or program may varyby geographic service area. Certain dental plans are available only for groups of a certain size in accordance with underwritingguidelines. Some benefits are subject to limitations or exclusions. Consult the plan documents (Schedule of Benefits,Certificate/Evidence of Coverage, Booklet, Booklet-Certificate, Group Agreement, Group Policy) to determine governingcontractual provisions, including procedures, exclusions and limitations relating to your plan.Aetna complies with applicable Federal civil rights laws and does not discriminate, exclude or treat people differently based ontheir race, color, national origin, sex, age, or disability.Aetna provides free aids/services to people with disabilities and to people who need language assistance.If you need a qualified interpreter, written information in other formats, translation or other services, call 877-238-6200.If you believe we have failed to provide these services or otherwise discriminated based on a protected class noted above, you canalso file a grievance with the Civil Rights Coordinator by contacting:Civil Rights Coordinator,P.O. Box 14462, Lexington, KY 40512 (CA HMO customers: PO Box 24030 Fresno, CA 93779),1-800-648-7817, TTY: 711,Fax: 859-425-3379 (CA HMO customers: 860-262-7705),[email protected] can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil RightsComplaint Portal, available at, or at: U.S. Department of Health and HumanServices, 200 Independence Avenue SW., Room 509F, HHH Building, Washington, DC 20201, or at 1-800-368-1019, 800-5377697 (TDD).Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies,including Aetna Life Insurance Company, Coventry Health Care plans and their affiliates (Aetna).TTY: 711For language assistance in your language call 877-238-6200 at no cost. (English)Para obtener asistencia lingüística en español, llame sin cargo al 877-238-6200. �打877-238-6200,無需付費。(Chinese)Pour une assistance linguistique en français appeler le 877-238-6200 sans frais. (French)Para sa tulong sa wika na nasa Tagalog, tawagan ang 877-238-6200 nang walang bayad. (Tagalog)Benötigen Sie Hilfe oder Informationen in deutscher Sprache? Rufen Sie uns kostenlos unter der Nummer 877-238-6200 an.(German)Page: 4Prepared: 08/23/2018 04:20 PM

Zara USA, Inc.Effective Date: 10-01-2018Dental Benefits SummaryHigh PPO OptionActive PPO)Arabic) .6200-238-877 الرجاء االتصال على الرقم المجاني ،( للمساعدة في )اللغة العربیة Pou jwenn asistans nan lang Kreyòl Ayisyen, rele nimewo 877-238-6200 gratis. (French Creole)Per ricevere assistenza linguistica in italiano, può chiamare gratuitamente 877-238-6200. �877-238-6200 ��국어로 언어 지원을 받고 싶으시면 무료 통화번호인 877-238-6200 번으로 전화해 주십시오. (Korean))Persian( انگلیسی . بدون هیچ هزینه ای تماس بگیرید .6200-238-877 برای راهنمایی به زبان فارسی با شماره Aby uzyskać pomoc w języku polskim, zadzwoń bezpłatnie pod numer 877-238-6200. (Polish)Para obter assistência linguística em português ligue para o 877-238-6200 gratuitamente. (Portuguese)Чтобы получить помощь русскоязычного переводчика, позвоните по бесплатному номеру 877-238-6200. (Russian)Để được hỗ trợ ngôn ngữ bằng (ngôn ngữ), hãy gọi miễn phí đến số 877-238-6200. (Vietnamese)Page: 5Prepared: 08/23/2018 04:20 PM

Zara USA, Inc. Active PPO Dental Benefits Summary Effective Date: 10-01-2018 (b) as prescribed for any period of open enrollment agreed to by the employer and Aetna. This does not apply to charges incurred: 9. Services that Aetna defines as not necessary for the diagnosis, care