BENEFITS. YOUR - YOUR 2020 BENEFITS GUIDE - HGV (2024)

YOUR 2020BENEFITS GUIDEMAINLAND U.S. YOUR BENEFITS. YOUR CHOICE.

Current Team Members: Hilton Grand Vacations is all about experiencing life at its best. Every day, we focus on creating exceptionalBENEFITS experiences for our Owners and guests. And that’s what we want for you, too.ANNUAL As a benefits-eligible HGV Team Member, we invite you to explore allENROLLMENT of HGV’s benefits that are available to you and create a benefits package tailored to your needs. You can “make it yours” by activelyOctober 21 - enrolling in your benefits by your enrollment deadline.November 1, 2019How to enroll in yourHGV benefitsVisit Grand Central athgvgrandcentral.com SIMPLE STEPS Take a few minutes – for you and your loved ones – to consider yourGo to Team Member Life > 2020 benefits needs.Benefits and Wellness > Then, follow these simple steps to ensure you have benefits to protectManage/Enroll in Benefits:Your Benefits Resources your family, improve your health and enhance your life.Then, follow the easy on-screenprompts that will guide you Enroll by your deadline.through the enrollment process. Current Team Members1,2: Enroll during benefits Annual Enrollment between October 21 and November 1, 2019Need assistanceaccessing • New Team Members: Enroll within 90 days from your start date1,2Grand Central? • Rehired HGV or Hilton Team Members: Enroll within 30 days if you were rehired less than one year after leaving HGV, or within 90 daysFor login or password help, if rehired one year or more since leaving HGVcontact the HGV Service Desk:IThelp@hgvc.com It’s easy!877-641-2582All Team Members now have Learn about enrolling 1an email address, which is Pagefirstname.lastname@hgv.com. in your HGV benefits 4If you have the same nameas someone else, your email Consider your needs for the year aheadmay include a numeral, such asfirstname.lastname1@hgv.com.Check with the HGV Service Choose the benefits that 2Desk to confirm. best meet your needs Page Shopping for your benefits is like shopping 5 for anything else. You want to find your perfect fit, so compare all your options. Enroll in your HGV benefits 3 It’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. Page 11 Does not apply to all Team Members and may vary based on eligibility or location. 1 2 For specific requirements and details, please refer to your Summary Plan Description (SPD) or contact the HGV Benefits Center. 2

THINGS TO CONSIDER• Know that HGV cares about your health • Consider taking advantage of voluntary benefits HGV helps Team Members live healthier lives by Voluntary medical benefits are designed to providing high-quality health care coverage. In fact, supplement your medical coverage and offer extra HGV supports most of the cost of your medical financial protection for those unexpected things that coverage through a subsidy, which reduces your happen in life. The benefits they provide help offset medical premiums. You will see your HGV subsidy your deductible and other out-of-pocket expenses if amount when you enroll in your benefits. you experience a covered condition. Note: You need to be enrolled in medical coverage to elect any of• Review all your options Because everyone’s needs these voluntary medical benefit options: are different, HGV gives you options to consider. For example, some people want the lowest paycheck – Critical Illness Insurance provides a cash benefit deductions, while others choose a plan that costs when you or an enrolled dependent becomes more up front, but less when they need services. See seriously ill with a covered condition. coverage details when you enroll, and review your – Hospital Indemnity Insurance provides a lump options carefully. sum payment when you or an enrolled dependent has a hospital stay. The money can be used to• Ensure your doctors will be in your insurance cover out-of-pocket costs beyond what your carrier’s network Visiting out-of-network doctors, medical plan covers, in addition to deductibles, hospitals, dentists and eye doctors can cost copays and expenses. substantially more than staying in-network. When you enroll, you will want to check that your doctors, – Accident Insurance administered by Aflac, helps dentists and eye care specialists are in-network. pay for costs your health insurance doesn’t cover, if you have one of over 150 different covered• Consider your costs One way to help control your events. Use it to pay for your medical insurance health care costs is by enrolling in the lowest-cost deductible, copays, household bills and more. insurance carrier for your area. The lowest-cost carrier may change from year to year, and will differ • Enhanced Short-Term Disability (STD) coverage depending on where you live. Using the Help Me Provided by HGV For 2020, HGV is enhancing its Choose tool when enrolling will help determine if company-paid STD benefit.1 STD provides 60% of the lowest-cost carrier may be the best choice for your weekly earnings for up to 26 weeks, if you you. Note: Changing insurance carrier networks have a serious injury or illness and are unable to might require that you change your primary care work. The weekly maximum is being raised from physician or hospital. $500 per week to $2,308 per week. Because of this enhancement, optional STD Buy-Up is being• Save with a Health Savings Account (HSA) If you eliminated for 2020. choose the Bronze Plus medical plan, you will be eligible to enroll in a Health Savings Account (see page 7). For 2020, you can save up to $3,550 if you cover just yourself or $7,100 if you cover yourself and your family. If you’re age 55 or older (or will turn age 55 during the plan year), you can also make additional “catch-up” contributions to your HSA, up to $1,000. 3

Learn about yourHGV benefitsTo learn more about your options, LEARNvisit hgvgrandcentral.com >Team Member Life > Benefits and WHO CAN ENROLL?Wellness, then select Manage/ • Full-time HGV Team Members who are regularly scheduled to work atEnroll in Benefits: Your Benefits least 30 hours per week1Resources. (Or log into • You can also enroll your legal spouse or domestic partner and anyyourbenefitsresources.com/hgv.) eligible dependent children (through the end of the month in whichYou will see a special section they turn age 26)2,3,4at the top of the page devotedjust to new Team Members! • To ensure all covered dependents are eligible, you will need to provide verification documents when you add any new dependent for coverage WHEN DO I ENROLL? Current Team Members: Enroll during benefits Annual Enrollment between October 21 and November 1, 2019 • New Team Members: Enroll within 90 days from your start date1,4 • If you are hired late in the year, you may need to enroll twice – once for your HGV benefits for the remainder of the current year, and one more time for the full year ahead. Once you enroll for the current year, you have 31 days to enroll for the next year. • 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 WHAT IF I DON’T ACTIVELY ENROLL? • If you do not actively enroll, please understand that you will not have HGV medical, dental and vision coverage for 2020, nor will you be able to enjoy the tax savings from participating in a Health Care or Dependent Day Care Flexible Spending Account (FSA). You will only participate in benefits and programs that are 100% paid for by HGV. 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 Does not apply to all Team Members and may vary based on eligibility or location. 1 2 If 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. 3 If 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. 4 For specific requirements and details, please refer to your Summary Plan Description (SPD) or contact the HGV Benefits Center. 4

CHOOSE Which coverage level is best? Don’t let the names of theWhen you enroll in your HGV benefits, it’s like any online shopping coverage levels fool you. Oneexperience. You’ll see a variety of great options for you to choose from option is not any better than thethat best meet your needs. Here’s how to find your fit! other. The coverage levels give you choices – so you can choose the one that best meets your needs.FIRST, CHOOSE YOUR COVERAGE LEVEL To learn more about coverageEach year, you may see plan changes in your medical options – levels, visit hgvgrandcentral.com >such as what is covered, increasing deductibles and out-of-pocket Team Member Life > Benefits andmaximums, or changes to your copays and coinsurance. That’s why it’s Wellness, then select Learn Aboutso important to carefully consider your total expected costs (including Benefits: Make it Yours. Or visitwhat comes out of your paycheck and what you pay for care). hgv.makeityoursource.com.There are four coverage levels, represented by four metallic levels: When enrolling, you can use the BRONZE PLUS SILVER GOLD PLATINUM Help Me Choose tool. You simply Payroll answer a few questions about ContrLower Higher Higher Highest your preferences, and the tool will Out-of-Pocket Costs provide an unbiased score (from Higher Lower Lower Lowest 1 to 100) for each medical option. The higher the score, the more Annual Deductible1 (individual/family) the plan matches your needs and In-network: In-network: In-network: In-network: $2,450/$4,9002 $1,000/$2,000 $800/$1,600 $250/$500 preferences.1 Out-of-network: Out-of-network: Out-of-network: Out-of-network: The Help Me Choose tool is provided to help 1 $2,450/$4,9002 $2,000/$4,000 $1,600/$3,200 $5,000/$10,0003 review plans. HGV does not recommend any specific option or insurance carrier. Out-of-Pocket Maximum In-network: In-network: In-network: In-network: $3,900/$7,8002 $5,300/$10,600 $3,600/$7,200 $2,300/$4,600 Out-of-network: Out-of-network: Out-of-network: Out-of-network: $11,500/$23,0002 $10,600/$21,200 $7,200/$14,400 $11,500/$23,0003 Access to a Health Savings Account (HSA) Yes No No NoTHEN, CHOOSE YOUR INSURANCE CARRIERThere are several best-in-class insurance carriers from which to choose.The insurance carrier is the company that will administer your coverageand determine your provider network.• Each offers benefits that are consistent within each metallic coverage level; however, there may be slight differences• 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.• Costs vary with each insurance carrier. When enrolling, you can compare costs to see which carrier offers the lowest-cost option for you. Note: The lowest-cost insurance carrier for your area may change from year to year. Using the Help Me Choose tool when enrolling will help determine if the lowest-cost carrier may be the best choice for you. (Just remember, you may need to switch doctors if you switch insurance carriers.)There are separate annual deductibles and annual out-of-pocket maximums for in- and out-of-1network care. Out-of-network charges do not count toward your in-network annual deductibleor annual out-of-pocket maximum. In-network charges do not count toward the out-of-networkannual deductible or annual out-of-pocket maximum.2 The entire family deductible must be met before the plan will pay benefits for any covered family member, and the entire family annual out-of-pocket-maximum must be met before the plan starts to pay for eligible expenses at 100% for the rest of the year. There is no “individual” annual deductible or out-of-pocket maximum when you have family coverage.3 For some insurance carriers in CA, CO, DC, GA, MD, OR, VA and WA, an HMO plan that covers in-network care only. 5

Before You Choose a Carrier Visit Grand Central at Choose the Health & Insurance See what insurance carrier hgvgrandcentral.com tab, then select the Find a networks your doctor is in Doctor or Hospital link Go to Team Member Life > Benefits and Wellness > Manage/Enroll in Benefits: Your Benefits Resources Choose the Health & Insurance See if your prescriptions will be tab, then select Prescription covered under each carrier Or visit Drugs, then choose Save on yourbenefitsresources.com/hgv Prescriptions to compare carriersSee how your Which insurance carrier should I choose?options compare • Compare coverage and premiums. Each carrier offers the same metallic levels, but the cost you pay for coverage may vary.For detailed information onmedical, prescription drug, • If you choose the same metallic option under a different insurancedental or vision coverage, check carrier, you may be able to get similar services and pay lessout the comparison charts on • Insurance carriers have their own list of preferred drugs and steppages 14 – 20 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 1 Step 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. 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 Or visit hgv.makeityoursource.com. 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 6

CHOOSING BRONZE PLUS QUALIFIES Consider a flexibleYOU FOR A HEALTH SAVINGS ACCOUNT spending accountIf you enroll in the Bronze Plus medical coverage level, you can open a (FSA)Health Savings Account (HSA), which offers tax advantages, including a • A Health Care FSA allows you totax-free way to pay for eligible health care expenses. use before-tax dollars to pay for• HSA contribution limits for 2020 – You can contribute between eligible expenses $100 and $3,550 for individual coverage, or $7,100 if you have family • FSAs have a use-it-or-lose-it rule coverage (If you are age 55 or older, you may contribute up to an additional $1,000 in catch-up contributions) • You can only use the funds from your 2020 FSA for services• Accessing your HSA funds – You can use the Your Spending Account™ performed between January 1, (YSA) Visa debit card to pay for eligible health care expenses incurred 2020 and March 15, 2021 by you or any qualified tax dependent. You can also pay for expenses yourself, and then reimburse yourself by transferring money from your • You can contribute to both an HSA to your own personal bank account. HSA and a Health Care FSA. However, if you have an HSA,• You can manage your HSA online. Simply access the YSA website your Health Care FSA can only through Your Benefits Resources™ be used to pay for eligible• Download the mobile app called Reimburse Me from the Apple App dental and vision expenses. Store or Google Play You will receive one YSA debit• Stay informed of account activity instantly by signing up for text card to use for both accounts. messages YSA will automatically recognize• Grow your savings When your HSA has a balance of $1,000 or more, your expenses and will deduct you can choose to invest the money and receive any investment from the appropriate account. earnings tax-freeRestrictions apply. Talk to your tax advisor to ensure you are eligible to make HSA contributions.SIDE-BY-SIDE: Compare the financial accounts HEALTH SAVINGS HEALTH CARE FLEXIBLE LIMITED PURPOSE FSA DEPENDENT CARE FSA ACCOUNT (HSA) SPENDING ACCOUNT (FSA) Who is Only those enrolled in Anyone Anyone in Bronze Plus Anyone eligible Bronze Plus medical plan medical plan with an HSA Purpose Reimburses you for eligible Reimburses you for eligible Reimburses you for eligible Reimburses you for medical, dental and vision medical, dental and vision dental or vision expenses dependent care services expenses now and in the expenses in the current year (only) in the current year (i.e., preschool, summer day future – even in retirement. through March 15 of the through March 15 of the camp, before- or after- school following year following year programs, and child or adult daycare) so you can work Contribution If you have Individual Between $260 and $2,700 Between $260 and $2,700 Up to $5,000 limits for 2020 coverage: $100 - $3,550 If you have family coverage: $100 - $7,100 Additional $1,000 if you will be age 55 or older in 2020 Changes to You can start, stop or Once enrolled, no changes (unless you have a qualified life event during the year) contributions change your contributions at any time Earns interest Yes No Tax • Contributions are pre-tax • Contributions are pre-tax advantages • Your HSA grows tax- • You do not pay taxes on the money used to pay for eligible expenses free (through interest or investment earnings) • Withdrawals are tax-free (as long as the money is used for eligible health care expenses) Unused Any unused money stays FSAs have a “use it or lose it” rule. You have until April 30 of the following year to balance in your HSA submit your claims. After that, you lose any remaining funds in your FSA. If you Take your HSA with you. You can submit claims only for eligible expenses that were incurred before you leave. leave HGV You own the account You lose any remaining funds. 7

How much life CHOOSING BEYOND HEALTH BENEFITSinsurance do In addition to offering the medical, dental and vision coverage you andyou need? your family need, HGV is proud to offer industry-leading benefits that enhance all aspects of your life.Go to lifebenefits.com/insuranceneeds and At HGV, we believe that life is a journey toward “well-being” – and HGVchoose the Life Insurance benefits are designed to enhance that journey every step of the way.Needs Calculator. Protection from the unexpected Life’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. Basic Short-Term Disability (STD) Paid by HGV and provided HGV provides Short-Term Disability Insurance,1 to you which pays 60% of your basic weekly earnings for automatically up to 26 weeks. The weekly maximum for 2020 is $2,308. STD begins to pay benefits after your first seven consecutive days off and provides protection that can help you pay some bills until you are able to get back to work. Long-Term Disability (LTD)2 Optional coverage If you are ill or injured and unable to work for paid by more than 180 consecutive days, LTD replaces Team a portion of your income. You may choose to Member 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. STD is provided by state mandate in California, Hawaii, New Jersey, New York, Puerto Rico, and 1 Rhode Island. Contact your local HR department for details. If you are in Hawaii or New York, contact Cigna directly. 2 If 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. 3 Certain amounts of coverage may require Evidence of Insurability (EOI). 8

Beneficiaries Basic Life Insurance Paid by HGV and provided up to date? Financial protection for your loved ones should to you you pass away. Basic Life Insurance pays your For your Life and AD&D automatically beneficiary an amount equal to 1x your regular Insurance benefits, please annual eligible earnings, up to the plan’s $2.5 million choose a beneficiary when maximum. See the Summary Plan Description (SPD) you enroll on the enrollment for more details. website. A beneficiary is a person you choose to receive benefits if you die. Supplemental Life Insurance Optional coverage It’s important to keep this In addition to your Basic Life Insurance, you may information up to date as your paid by purchase more protection for your loved ones – Team situation changes (for example, from 1x to 8x your regular annual eligible earnings, Member if you get married, divorced or up to a maximum of $2.5 million – not combined with your Basic Life benefits.3 have a child). Dependent Life Insurance Optional coverage Dependent Life Insurance pays benefits to you if paid by your child or spouse/domestic partner passes away.3 Team You may choose: Member • 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 Accidental Death and Dismemberment Optional (AD&D) Insurance coverage paid by AD&D provides a cash benefit to your beneficiary if Team you die in a covered accident or a payment to you Member 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 Business Travel Accident (BTA) Insurance Provided to some Team BTA Insurance pays your beneficiary a cash benefit Members if you are killed or are seriously injured while by HGV traveling on company business.4 (automatic)Not available to all Team Members at all locations. Benefits may vary based on eligibility or4location. Benefits of Team Members represented by a union will be governed by the applicablecollective bargaining agreement or applicable bargaining obligation. 9

Other things to enroll in once a yearDuring 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.PTO does not apply to all Team Members at every level.12 PTO Sell does not apply to all Team Members at every level.10

ENROLL Need assistance logging into hgvgrandcentral.com?LOG IN Contact the HGV Service DeskFrom work: Visit Grand Central at hgvgrandcentral.com at 877-641-2582 orGo to Team Member Life > Benefits and Wellness > ITHelp@hgvc.com.Manage/Enroll in Benefits: Your Benefits ResourcesOr: Log into yourbenefitsresources.com/hgvENROLLFollow 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 yourdependents 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 thiscoverage. 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 DisabilityCONFIRMOnce you’ve made all of your selections, your elections are saved.However, make sure to hit Confirm in order to complete yourenrollment. Review your choices on the Confirmation of Enrollmentpage, and print a copy for your records. 11

MOREOUTSTANDING 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 GET EXCLUSIVE TRAVEL DISCOUNTS! 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. EXPERIENCE 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 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. Take the time you need, when you need it. TELEMEDICINE – 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. GET GREAT DISCOUNTS AND DEALS 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. 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.The 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 be1required to pay income taxes on any adoption assistance benefits that you receive in excess of the IRS limit.2 PTO does not apply to all Team Members at every level.12

SAVE MONEY ON COMMUTER EXPENSES HGV’s Commuter benefit allows you to set aside pre-taxfunds each month from your paycheck to pay for qualified commuting expenses, like parking expensesor public transportation fees (bus, train, subway, ferry, trolley or vanpool) – up to $260/month fortransit 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 Proscan 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 orbenefits question or concern. Your Health Pro is ready to help! Contact Advocacy Services by callingthe HGV Benefits Center at 844-487-5601, Monday through Friday, 9 a.m. to 7 p.m. ET, and listen tothe prompts to reach Advocacy Services.STAY FIT FOR LESS The Active&Fit Direct program™ offers discounted gym memberships toHGV Team Members! Choose from more than 10,000 participating fitness centers and selectYMCAs, 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 andWellness > Active&Fit.The Active&Fit Direct program is provided by American Specialty Health Fitness, Inc., a subsidiaryof 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 anopportunity to become stockholders in the company. Through the Employee Stock PurchasePlan (ESPP), eligible Team Members can purchase HGV common stock at a 5% discount throughconvenient payroll deductions, becoming an owner in our company.GIVE A LITTLE LOVE FOR YOUR PETS, TOO! If you’re a pet lover, you know how costly veterinarybills can be. HGV’s Pet Insurance from MetLife covers a wide range of veterinary services. You payjust a little, and Pet Insurance pays the rest! Use any licensed veterinarian, and you can add or dropcoverage at any time during the year.SAVE MONEY ON AUTO/HOME/RENTER’S INSURANCE As an HGV Team Member, you cantake advantage of special group rates and policy discounts on many types of insurance – includingauto, home, condominium, renter’s, and recreational vehicle insurance. You enroll for coveragedirectly with the insurance carrier, which you’ll be able to find on the enrollment website. You canadd or drop coverage at any time during the year and pay your premiums by credit card, debitcard or payroll deductions.THE HELP YOU NEED – WHENEVER YOU NEED IT There are so many helpful benefits availablethrough our Employee Assistance Program (EAP), administered by ComPsych, most at no cost toyou. Work-life specialists can provide referrals to local child care centers, after-school programs andsummer camps for kids, or referrals to assisted living and other housing options for the elderly. Theycan also provide expert counseling services for individuals and families – for whatever you’re goingthrough. Don’t feel that you are alone! You and your dependents can get up to six free confidentialcounseling sessions per issue per year. Get more information at guidanceresources.com (OrganizationWeb ID: HGVEAP) or 844-236-4491.HEADED ON AN INTERNATIONAL VACATION? We offer affordable, comprehensive InternationalVacation Medical Coverage from GeoBlue for family members traveling outside the U.S. Call844-358-7278 for more information.A HEALTH CARE EXPERT IS IN YOUR CORNER When you have a bill of at least $300 from anout-of-network provider, Bill Negotiation Services is available to make sure the amount billedis appropriate. In some cases, they can help save 20% or more! Anytime during the year, go tomedicalcostadvocate.com.aon or call 844-891-8981. 13

PLAN COMPARISON CHARTSMedical coverage level optionsYou have several coverage levels to choose from. Each coverage level is available from different insurance carriers atdifferent costs.When you enroll, you’ll find plenty of tools and resources to help you choose a coverage level. BRONZE PLUS SILVER GOLD PLATINUM Option type High-deductible PPO PPO PPO that offers option with HSA limited benefits for out-of-network care* Paycheck $ $$ $$$ $$$$ contributions Annual deductible In-network $2,450/$4,900 $1,000/$2,000 $800/$1,600 $250/$500 (individual/family) Out-of-network $2,450/$4,900 $2,000/$4,000 $1,600/$3,200 $5,000/$10,000 (individual/family) Traditional or True family Traditional Traditional Traditional true family? Annual out-of-pocket maximum In-network $3,900/$7,800 $5,300/$10,600 $3,600/$7,200 $2,300/$4,600 (individual/family) Out-of-network $11,500/$23,000 $10,600/$21,200 $7,200/$14,400 $11,500/$23,000 (individual/family) Traditional or True family Traditional Traditional Traditional true family? In-network benefits Preventive care Covered 100%, Covered 100%, Covered 100%, Covered 100%, no deductible no deductible no deductible no deductible Doctor’s office visit You pay 25% You pay $30 for You pay $25 for You pay $25 for after deductible PCP visit and $50 PCP visit and $40 PCP visit and $40 for specialist visit, for specialist visit, for specialist visit, no deductible no deductible no deductible Emergency room You pay 25% You pay $150, then You pay 25% You pay 15% after deductible 30% after deductible after deductible after deductible Urgent care You pay 25% You pay 30% You pay 25% You pay 15% after deductible after deductible after deductible after deductible Inpatient care You pay 25% You pay 30% You pay 25% You pay 15% after deductible after deductible after deductible after deductible Outpatient care You pay 25% If not an office visit, If not an office visit, If not an office visit, after deductible you pay 30% after you pay 25% after you pay 15% after deductible deductible deductible*For some insurance carriers in CA, CO, DC, GA, MD, OR, VA and WA, the Platinum coverage is an HMO option that covers in-network care only.Traditional Deductible: Once a covered family member meets the individual deductible, insurance will begin paying benefits for that family member.Traditional Out-of-Pocket Maximum: Once a covered family member meets the individual out-of-pocket maximum, insurance will pay the full cost of coveredcharges for that family member.True Family Deductible: The entire family deductible needs to met before insurance will pay benefits for any covered family member.True Family Out-of-Pocket Maximum: The entire family out-of-pocket maximum needs to met before insurance will pay the full cost of covered charges forany covered family member.14

PLAN COMPARISON CHARTSPrescription drug coverage BRONZE PLUS SILVER GOLD PLATINUM Preventive drugs You pay $0* You pay $0* You pay $0* You pay $0* 30-day retail supply Tier 1 You pay 100% You pay $12 You pay $10 You pay $8 (generally until you reach the lowest-cost deductible, then options) you pay 25% Tier 2 You pay 100% You pay $50 You pay $40 You pay $30 (generally until you reach the medium-cost deductible, then options) you pay 25% Tier 3 You pay 100% You pay $70 You pay $60 You pay $50 (generally until you reach the highest-cost deductible, then options) you pay 25% 90-day retail or mail-order supply Tier 1 You pay 100% You pay $30 You pay $25 You pay $20 (generally until you reach the lowest-cost deductible, then options) you pay 25% Tier 2 You pay 100% You pay $125 You pay $100 You pay $75 (generally until you reach the medium-cost deductible, then options) you pay 25% Tier 3 You pay 100% You pay $175 You pay $150 You pay $125 (generally until you reach the highest-cost deductible, then options) you pay 25%*Preventive drugs are determined by the insurance carrier. You will need a doctor’s prescription for the medication – even for products sold over the counter (OTC) – and you will need to use an in-network retail pharmacy or mail-order service. 15

PLAN COMPARISON CHARTS Live in California? Your options will be different, depending on the insurance carrier you choose. For starters, each insurance carrier in California may offer each coverage level either as an option that offers in- and out-of-network benefits (e.g., a PPO) or an option that offers in-network benefits only (e.g., an HMO). Also, insurance carriers can choose to offer either the standard Gold option or a Gold II option – not both. The Gold II option offers only in-network benefits. Review the table below to see which insurance carriers offer out-of-network benefits for the coverage levels you’re considering. BRONZE PLUS SILVER GOLD GOLD II PLATINUM In- and In- and In- and In- and Aetna out-of- out-of- out-of- N/A out-of- network network network network In- and In- and In- and In-network Cigna out-of- out-of- N/A out-of- only network network network In- and In- and In- and In- and Florida out-of- out-of- out-of- N/A out-of- Blue network network network network Kaiser In-network In-network In-network In-network N/A Permanente only only only only In- and In- and In- and In- and United- out-of- out-of- out-of- N/A out-of- Healthcare network network network network16

PLAN COMPARISON CHARTS (CALIFORNIA)Medical coverage level BRONZE PLUS SILVER GOLD GOLD II PLATINUM Option type High-deductible PPO PPO HMO PPO that offers option with HSA limited benefits for out-of- network care* Paycheck $ $$ $$$ $$$ $$$$ contributions Annual deductible In-network $2,450/$4,900† $1,000/$2,000 $800/$1,600 N/A $250/$500 (individual/family) Out-of-network $2,450/$4,900† $2,000/$4,000 $1,600/$3,200 N/A $5,000/$10,000 (individual/family) Traditional or True family Traditional Traditional Traditional Traditional true family? Annual out-of-pocket maximum In-network $3,900/$7,800‡ $5,300/$10,600 $3,600/$7,200 $5,400/$10,800 $2,300/$4,600 (individual/family) Out-of-network $11,500/$23,000‡ $10,600/$21,200 $7,200/$14,400 N/A $11,500/$23,000 (individual/family) Traditional or True family Traditional Traditional Traditional Traditional true family? In-network benefits Preventive care Covered 100%, Covered 100%, Covered 100%, Covered 100% Covered 100%, no deductible no deductible no deductible no deductible Doctor’s office visit You pay 25% You pay $30 for You pay $25 for You pay $25 for You pay $25 for after deductible PCP visit and PCP visit PCP visit PCP visit $50 for specialist and $40 for and $40 for and $40 for visit, no specialist visit, specialist visit specialist visit, deductible no deductible no deductible Emergency room You pay 25% You pay $150, You pay 25% You pay 30% You pay 15% after deductible then 30% after after deductible after deductible deductible Urgent care You pay 25% You pay 30% You pay 25% You pay 30% You pay 15% after deductible after deductible after deductible after deductible Inpatient care You pay 25% You pay 30% You pay 25% You pay 30% You pay 15% after deductible after deductible after deductible after deductible Outpatient care You pay 25% If not an office If not an office If not an office If not an office after deductible visit, you pay visit, you pay visit, you pay visit, you pay 30% after 25% after 30% 15% after deductible deductible deductible*For some insurance carriers in CA, CO, DC, GA, MD, OR, VA and WA, the Platinum coverage level is an HMO option that covers in-network care only.†Under Kaiser Permanente, if you cover dependents, no covered member pays more than $2,700 toward the family deductible. Also, these options feature a traditional annual deductible.‡Under Kaiser Permanente, these options feature a traditional annual out-of-pocket maximum. 17

PLAN COMPARISON CHARTS (CALIFORNIA)Prescription drug coverage BRONZE PLUS SILVER GOLD GOLD II PLATINUM Preventive drugs You pay $0* You pay $0* You pay $0* You pay $0* You pay $0* 30-day retail supply Tier 1 You pay 100% You pay $12 You pay $10 You pay $10 You pay $8 (generally until you reach lowest-cost the deductible, options) then you pay 25% Tier 2 You pay 100% You pay $50 You pay $40 You pay $40 You pay $30 (generally until you reach medium-cost the deductible, options) then you pay 25% Tier 3 You pay 100% You pay $70 You pay $60 You pay $60 You pay $50 (generally until you reach highest-cost the deductible, options) then you pay 25% 90-day retail or mail-order supply Tier 1 You pay 100% You pay $30 You pay $25 You pay $25 You pay $20 (generally until you reach lowest-cost the deductible, options) then you pay 25% Tier 2 You pay 100% You pay $125 You pay $100 You pay $100 You pay $75 (generally until you reach medium-cost the deductible, options) then you pay 25% Tier 3 You pay 100% You pay $175 You pay $150 You pay $150 You pay $125 (generally until you reach highest-cost the deductible, options) then you pay 25%*Preventive drugs are determined by the insurance carrier. You need to have a doctor’s prescription for the medication – even for products sold over the counter (OTC) – and you need to use an in-network retail pharmacy or mail-order service.18

PLAN COMPARISON CHARTSDental coverage level options BRONZE PLUS SILVER GOLD PLATINUM2 Annual deductible and plan limits Annual deductible $100/$300 $100/$300 $50/$150 None (individual/family) Annual maximum $1,000 per person $1,500 per person $2,500 per person None (excludes orthodontia) Orthodontia Not covered $1,500 per child $2,000 per person Varies by lifetime maximum1 insurance carrier In-network benefits Preventive care 100% covered, 100% covered, 100% covered, Varies by insurance no deductible no deductible no deductible carrier; generally covered 100% Minor restorative care You pay 20% You pay 20% You pay 20% Varies by (e.g., root canal after deductible after deductible after deductible insurance carrier treatment, gum disease treatment, and oral surgery) Major restorative care Not covered You pay 40% You pay 20% Varies by (e.g., implants, after deductible after deductible insurance carrier dentures) Orthodontia Not covered You pay 50%, no You pay 50%, no Varies by deductible; children deductible; for insurance carrier up to age 19 only children and adultsLimits:• 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 yearIf you switch insurance carriers, any orthodontic expenses you’ve already incurred under your current carrier will count toward your new carrier’s1orthodontia lifetime maximum.2 Platinum 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. 19

PLAN COMPARISON CHARTSVision coverage level options BRONZE PLUS SILVER GOLD Routine vision exam (once Covered 100% You pay $20 You pay $10 per plan year) 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- Discount may apply You pay $15 You pay $15 resistant coating Standard anti-reflective Discount may apply You pay $45 You pay $45 coating Standard polycarbonate Discount may apply You pay $40 You pay $15 (adults) Standard polycarbonate Discount may apply You pay nothing You pay nothing (children) 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 allowance 1 $200 allowance1 Fit and evaluation Discount may apply You pay $20 You pay $10 Laser surgery Elective 15% off regular price or 15% off regular price or 15% off regular price or 5% off promotional price 5% off promotional price 5% off promotional priceAllowance can be used for frames or elective contact lenses, but not both.12 Vision benefits are for standard progressives. Enhanced progressives may cost more and will vary by insurance carrier.These charts are a high-level listing of commonly covered benefits across carriers and coverage levels for the AonActive Health Exchange. They are intended to provide you with a snapshot of benefits provided across coveragelevels. 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 somecarrier adjustments to standardized plan benefits. To see summaries when you enroll online, check the boxes next tothe options you want to review and click Compare. In order to get the most comprehensive information about anyspecific 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.20

USEWhere 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 • Annual preventive • Fever without a rash • An emergency: symptoms of a care checkup life-threatening • Non-life-threatening common illnesse illness or injury • When you have allergic reactions (cough, flu, symptoms of a • If you think you bronchitis, ear • Burns, broken bones common illness may be having a infection, sore • Sprains and cuts (cough, flu, heart attack throat, urinary tract (and stiches, if bronchitis, ear infection, or skin • Sudden pain infection, sore needed) condition like a rash • Difficulty breathing throat, urinary tract • Other serious but or itching) infection or skin non-life-threatening • Deep cuts • Can diagnose your condition like a rash conditions illness and write or itching) a prescription, if • Screenings needed • Vaccinations • Walk-in clinics also handle screenings and vaccinations 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. 21

HELPHERE TO ASSIST YOUWhenever you have questions or concerns about your HGV benefits, call the HGV Benefits Center at 844-487-5601,Monday through Friday, 9 a.m. to 7 p.m. ET.If you have questions about specific benefits, you can contact the insurance carrier or provider. Medical insurance Pre-enrollment Post-enrollment carrier Phone Phone Pre-enrollment website Post-enrollment website Aetna 855-496-6289 855-496-6289 aetna.com/aon/fi/2020 aetna.com Cigna 855-694-9638 855-694-9638 connections.cigna.com/ my.cigna.com aonactivehealth-2020/ Dean / Prevea360 877-232-9375 877-232-9375 aon.deanhealthplan.com aon.deanhealthplan.com Florida Blue 800-967-8938 800-664-5295 choosefloridablue.com floridablue.com Geisinger 844-390-8332 844-390-8332 geisinger.org/aon geisinger.org/member-portal Kaiser 877-580-6125 CA: kp.org/aon kp.org Permanente 800-464-4000 CO: 303-338-3800 GA: 404-261-2590 Mid-Atlantic: 800-777-7902 Northwest: 800-813-2000 Medical Mutual 800-677-8028 800-541-2770 medmutual.com/aon member.medmutual.com Priority Health 833-207-3211 833-207-3211 priorityhealth.com/aon member.priorityhealth.com UnitedHealthcare 888-297-0878 888-297-0878 welcometouhc.com/aon3 myuhc.com 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/ my.cigna.com aonactivehealth-2020/ Delta Dental 800-503-4162 ddca.deltadentalexchange.com/ deltadentalins.com (Bronze, Silver, Post-enrollment: 800-471-7614 Gold) Delta Dental 800-546-9751 ddca.deltadentalexchange.com/ deltadentalins.com (Platinum) Post-enrollment: 800-471-8073 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 877-478-7559 aon.vspexchange.com vsp.com/signon.html Plan (VSP)22

OTHER BENEFIT PLANSInsurance company or provider Plan type Phone WebsiteAlight Solutions - Your Health Savings Account, 844-487-5601 yourbenefitsresources.com/hgvSpending Account (YSA) Flexible Spending Accounts, Commuter BenefitsCigna STD, LTD, Hospital Care 800-244-6224 cigna.com Coverage, Salary Continuation PlanComPsych Corporation Employee Assistance Program 844-236-4491 guidanceresources.com TDD: 800-697-0353 Organization Web ID: HGVEAPSecurian Life and AD&D Insurance 866-881-3348 lifebenefits.comT. Rowe Price Retirement Savings Plan 800-922-9945 rps.troweprice.comVOLUNTARY PLANSInsurance company or provider Plan type Phone WebsiteAflac Accident Insurance 800-992-3522 aflac.comHyatt Legal Plans (a MetLife Legal Services 800-821-6400 legalplans.com (access code:Company) GETLAW)InfoArmor Identity Theft Protection 800-789-2720 MyPrivacyArmor.comMetLife Auto, Home and Pet Insurance 800-GET-MET 8 metlife.com/mybenefits (800-438-6388) Additional benefits information A 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. 23