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As part of the CenturyLink Retiree and Inactive Health Plan (the Plan), this HRA isexempt from the requirements of the Patient Protection and Affordable Care Act(“PPACA”).The Retiree Health Reimbursement Account was established January 1, 2012 andwas offered to the CenturyLink, Qwest Post-1990 Management and Embarq Retireelegacy groups at that time. The Qwest Post-1990 Occupational Retiree group wasadded May 1, 2014.The Retiree Health Reimbursement Account (HRA) provides you and each of yourMedicare-eligible Dependents subsidy dollars. You can use these HRA/ RRA subsidydollars to reimburse yourself for the cost of the premiums you pay to purchase anindividual Medicare medical/prescription drug policy outside of CenturyLink (to replaceyour CenturyLink group health care coverage). Certain Retiree groups may also usethe HRA subsidy for out-of-pocket expenses as noted in the chart at the beginning ofthis SPD. The company subsidy dollars are self-funded by CenturyLink and areprovided based on your fulfillment of the Retiree Health and Welfare eligibility rules.The HRA is a tax-free benefit to you.When retiree group health care Benefits end (excluding Qwest Pre-1991 andERO’92 retirees). Your CenturyLink Retiree group plan medical and prescription drugbenefits under the Plan terminate the first of the month in which you becomeMedicare-eligible and your Retiree HRA is automatically established and available toaccess for reimbursement of claims, provided you satisfy the Plan eligibility rules andelect Retiree health care benefits. Your Retiree HRA would not be available if you areenrolled in any other CenturyLink medical plan, including COBRA. If you delay takingyour Retiree health care benefits, then your HRA will be delayed.Note: You are responsible for obtaining your Medicare Part A and Part B benefits uponyour Medicare eligibility date (or upon retirement if already Medicare eligible). YourCenturyLink benefits are cancelled regardless of whether or not you have obtainedthis coverage. If you do not have your Medicare benefits in place timely, you couldhave a gap in health care coverage and incur lifetime penalties from Medicare.The CenturyLink Retiree and Inactive Health Plan provides Health care coverageunder Plan No. 511. The Bind On-Demand Health Plan No. 514 provides retireecoverage as well. Each plan may be amended from time to time and over time andis sponsored by CenturyLink, Inc. for eligible retired Employees and their eligibleDependents of CenturyLink and certain CenturyLink subsidiaries who retired havingsatisfied certain age and service criteria. “Eligible Dependent” means yourSpouse/Domestic Partner or Children who are eligible for the CenturyLink Retireehealth care Benefits, and therefore eligible to receive the HRA subsidy uponbecoming Medicare-eligible.NOTE: While the Plan has processes in place to prevent errors and mistakes, if aclerical error or mistake happens (however occurring) such error or mistake does notRetiree HRA SPD82020

create a right to a Benefit or level of contribution rate under the Plan. You have anobligation to correct any errors or omissions that come to your attention by calling theCenturyLink Service Center to correct the error or omission immediately. There aredeadlines to file claims and benefit related actions; please refer to the section titledTime Deadline to File a Claim and the Time Deadline to File a Benefit-Related Lawsuitin this SPD and in the Retiree General SPD for more information about the timing ofthese deadlines.THE REQUIRED FORUM FOR LEGAL DISPUTESAfter the claims and appeals procedures are exhausted as explained above, and a finaldecision has been made by the Plan Administrator, if an Eligible Participant wishes topursue other legal proceedings, the action must be brought in the United States DistrictCourt in Denver, Colorado.HOW TO USE THIS DOCUMENTCapitalized terms are defined throughout this document, in the “Retiree GeneralInformation” SPD, the Medical Plan SPD and in the Plan Document. All uses of“we,” “us,” and “our” in this document, are references to the Claims Administrator or,the Plan Administrator which is the CenturyLink Employee Benefits Committee orCenturyLink. References to “you” and “your” are references to participants who areeligible and covered under the Plan.This SPD is provided to explain how the Plan works. It describes your Benefits andrights as well as your obligations under the Plan. It is important for you to understandthat because this SPD is only a summary, it cannot cover all the details of the Planor how the rules will apply to every person in every situation. Specific rules governingthe Plan are contained in the official Plan documents. You and your beneficiariesmay examine the official Plan Document and other documents relating to the Planduring regular business hours or by appointment at a mutually convenient time in theoffice of the Plan Administrator. For additional information, refer to “Your Rights asA Plan Participant” section.You are encouraged to keep this SPD and any attachments and updates (SMM,SARs, Annual Enrollment materials, etc.), if applicable for future reference.See the Retiree General Information SPD for more information as noted in the RetireeGeneral Plan Information section and throughout this SPD.CenturyLink’s right to use your Social Security number for administration ofbenefitsCenturyLink retains the right to use your Social Security Number for benefit administrationpurposes, including tax reporting. If a state law restricts the use of Social SecurityNumbers for benefit administration purposes, CenturyLink generally takes the positionthat ERISA preempts such state laws.Retiree HRA SPD92020

IV.WHO IS ELIGIBLEAs a retired CenturyLink Employee who is eligible for Retiree health care Benefitsunder the CenturyLink Retiree Health Plan, you become eligible for HRA subsidydollars once you are Medicare-eligible (and for Embarq retirees, who can be eitherMedicare-eligible or non- Medicare-eligible.) There are different HRAs and Retireegroups based on which Legacy Company’s provisions apply. See the chart belowfor the name of the HRA associated with each Company/Retiree group.The HRA also applies to your eligible Dependents who are eligible for yourRetiree health care benefits under the CenturyLink Retiree Health Plan andwho become Medicare-eligible*. When you or your eligible Dependent becomeMedicare-eligible, that person’s CenturyLink group medical and prescription drugbenefits end the first day of the month in which they become eligible forMedicare. For example, if you turn 65 on May 8, your Medicare eligible effectivedate is May 1 and your group medical/prescription drug benefits end effective May1. See the “When You Become Eligible for Medicare” section for more information.*Note: Legacy Embarq Retirees and their eligible Dependents may use the HRA(SHARE/RRA) account, regardless if they are Medicare eligible or non- Medicareeligible; however, it cannot be used for COBRA premiums.Certain groups are eligible for the HRA upon becoming Medicare eligible, regardless ifthey are enrolled in the medical benefits or if they have suspended their coverage priorto becoming Medicare eligible. Note: All groups (excluding Legacy Qwest Pre-1991and Legacy Qwest ERO’92) are not eligible for the HRA if their enrollment status iswaived for medical coverage at the time, they become Medicare eligible.Note: Waiving coverage is different and has different consequences than suspendingcoverage. For more information, refer to the Retiree General Information SPD.For Legacy Qwest Pre-1991 and ERO’92 only: The Health Reimbursement Account(HRA) benefit option is only available to Medicare eligible participants who areenrolled in Medicare Parts A and B. This benefit option is offered to you in lieu of anymedical/prescription drug benefit coverage (also known as the Grandfathered plan) fromCenturyLink, Instead, you are electing to use the Company subsidy dollars that will beplaced in a Health Reimbursement Account (HRA) which you can access to reimburseyourself for medical premiums you have paid to a carrier of your choice for anindividual Medicare policy (such as Medicare Supplemental/gap, Part D or MedicareAdvantage). The Company subsidy dollars help to cover the cost you will incur, if any,when you purchase individual Medicare medical and prescription drug policies. Seethe “Enrolling in Medicare policies” section located in this SPD.To avoid a lapse in health care coverage, you and your Dependents need totake action PRIOR to the Medicare eligible effective date to ensure that otherhealth care coverage (including Medicare Parts A and B) are in place to beginon the correct effective date. Additional information is explained throughout thisdocument. Please read all sections carefully.Retiree HRA SPD102020

ELIGIBLE DEPENDENTSYour Dependents must be eligible (see below section) for the CenturyLink retireehealth care Benefits in order to be eligible to receive the HRA subsidy upon theDependent becoming Medicare eligible. Call the CenturyLink Service Center if youhave questions about your Dependent’s eligibility or refer to the “Retiree GeneralInformation” SPD for more information.You Must Declare Your Dependents for Coverage Upon Retirement or they are noteligible to enroll in the future (excluding Qwest Pre-1991 and ERO’92 retirees). Thereare special rules regarding when you may enroll an individual as an EligibleDependent. If you do not declare and enroll your dependent in accordance with theserules, that person(s) is not eligible for coverage or HRA Subsidy when they becomeMedicare eligible. Note: You are not allowed to add new or non-declared dependentsin the future after your initial retirement election.The rule restricting the enrollment of Eligible Dependents and the process of timelydeclaring an Eligible Dependent for enrollment are as follows:You may not enroll an individual as an Eligible Dependent unless(1) at the time of your retirement, or(2) with respect to Qwest Post-1990 Management Retirees, as of Jan. 1,2012, or(3) with respect to Qwest Post-1990 Occupational Retirees who werecurrent Participants in the Plan during the 2013 Plan Year, the later of thetime of your retirement or Dec. 31, 2013, or(4) with respect to Qwest Post-1990 Occupational Retirees who becomeParticipants during the 2014 Plan Year and thereafter, as of Dec. 31, 2013,you declare and submit information about your dependent to the Plan Administrator aseligible for coverage. To declare an individual as an Eligible Dependent means thatyou w i l l provide the requested supporting documentation about that person uponyour enrollment in the Plan by the deadline, if applicable.If you have declared someone as an Eligible Dependent and the Plan Administratorvalidates this status, but you decide at that time to suspend coverage in accordance withthe Plan Administrator’s suspension of coverage procedures, you may later enroll suchdeclared individual as an Eligible Dependent.HRA Dual Coverage for Company Couples. Dual HRA Coverage is not allowed. Ifyou and your Spouse or Domestic Partner are both covered as CenturyLinkRetirees (or Employees), each of you can be covered as an individual or one ofyou may waive coverage and be covered as an eligible Dependent under theother. Once you are eligible for the Retiree HRA, no person is eligible forcoverage under both a CenturyLink group plan and under an HRA account at thesame time. Generally, only one HRA account will be funded at Your SpendingAccount (YSA) with subsidy for an individual or a family as explained later in thisdocument. See “Company Couples” under the “Amount of HRA Subsidy andRetiree HRA SPD112020

Year End Balance Rules” section for more information.NON-MEDICARE PARTICIPANTS (excluding Qwest Pre-1991 and ERO’92 retirees)If you or an eligible Dependent are not Medicare-eligible, the non- Medicare eligibleperson remains eligible for the Company group benefit options while the Medicareeligible participant coverage under the CenturyLink group benefit option ends and anHRA subsidy account is established. Once the non- Medicare eligible participantbecomes Medicare eligible, that person will be removed from the CenturyLink groupmedical benefit and their HRA dollars will be combined in a joint family account at YSA.There is only one HRA account per family at YSA. See “How the HRA Account is SetUp” section for more information on how the HRA accounts are established.REHIRED RETIREESIf you are rehired as an active Employee of CenturyLink, your subsidy under the HRAwill be suspended on the last day of the month in which you return to work for theduration of your employment. Similarly, if you become employed by a supplier orcontractor to the Company and work on any assignment or project for the Company,your coverage under this Plan will be suspended on the last day of the month in whichyou become employed by said supplier or contractor for the duration of yourassignment or project for the Company.If you are employed directly on the Company payroll, you may be eligible for coverageunder the CenturyLink Health Care Plan in effect at that time for active Employeesbased on your employee classification. If you are employed by a supplier or contractorto the Company, you may be eligible for coverage through the supplier or contractorfor the duration of your assignment or project. When you resume retirement and areno longer working either directly for the Company or indirectly through a supplier onassignment for the Company and therefore, you must contact the CenturyLink ServiceCenter to resume usage of your HRA benefits under this HRA Retiree Plan. Thebenefit provisions of your HRA group will determine the status of any fund balancesyou had in your account upon your return and subsequent termination.Note: If you are returning to active status and enrolled in an individual Medicaremedical policy, you may want to disenroll from that plan as your HRA account will besuspended for you and your Dependents. You must notify your carrier directly todisenroll.Retiree HRA SPD122020

V.WHEN YOU BECOME MEDICARE-ELIGIBLEMedicare: Medicare is a government health insurance plan that you paid intothrough your payroll taxes while you were working. It covers people age 65 orolder, people under 65 with certain disabilities and people of all ages with EndStage Renal Disease (permanent kidney failure requiring dialysis or a kidneytransplant) or Lou Gehrig’s disease (ALS).The two main components of Medicare are: Part A (hospital insurance) and Part B(medical insurance, such as doctors and other services). However, Medicare doesnot cover 100% (typically only 80%) of these services and it does not covermost prescription drugs.You must have your Medicare Parts A and B in place to enroll in any type ofindividual Medicare Supplement (Medigap) or Medicare Advantage policies. Theseplans will then use your Medicare to Coordinate Benefits according to their planprovisions. Note: This is not new for Medicare-eligible Retirees—as theCenturyLink group plans also require you to have your Medicare Part A and B inplace as a Medicare-eligible Retiree.PRIOR to the month in which you become Medicare-eligible, you need to obtain yourMedicare Part A and Medicare Part B benefits to ensure coverage will be effective onthe first of the month in which you become Medicare-eligible.Note: Medicare does not allow any retroactive enrollments and has specific rulesfor when you can enroll in Medicare and the individual Medicare policies. Note:Late enrollment may cause a gap in health care coverage a

documents") briefly describe your Benefits as well as rights and responsibilities, under the CenturyLink Retiree and Inactive Health Plan (the "Health Plan") and make up the official Summary Plan Description for this benefit under the Employee Retirement Income Security Act of 1974, as amended, and the regulations thereunder ("ERISA").