EMPLOYEE BENEFITS GUIDEFor U.S. Based Employees

2018

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WELCOMEAt HollyFrontier, we are committed to your health and well-being. You’re important to us. We are proud to provide you with valuable and significant benefits. This Guide is an overview of the benefits available to you and your family. Please read it carefully in order to make the best choices for you and your family in the 2018 Plan Year.

Benefits that promote your health and well-being.

Benefits that help you save and plan for a strong financial future.

Programs and opportunities that encourage personal and professional growth.

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4 Eligibility & Enrollment

66 Medical7 Dental8 Vision9 BlueCross BlueShield Programs

12 MDLive12 EAP

1313 Health Savings Account14 Flexible Spending Account15 Retirement16 Survivor Benefits18 Income Protection19 Dependent Scholarship Program

2020 Educational Assistance21 Professional Business Groups21 Emergency Response Brigade22 BenefitLink & Text Messaging22 HFC Benefits Portal

TABLE OF CONTENTS

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ELIGIBILITY & ENROLLMENT

You and your family have unique needs, which is why HollyFrontier offers a variety of benefit plans from which you may choose.

Eligibility Unless otherwise noted, all active, U.S. based full-time employees in a regular payroll status who work thirty (30) hours or more per week are eligible for HollyFrontier health and welfare benefit plans.

Eligible Dependents Dependents eligible for coverage in the HollyFrontier benefits plans include:

Spouses

• includes common-law spouses in states which recognize common law marriage Children

• up to age 26, regardless of marital status or residence• natural child• stepchild or stepchild of legally married spouse• legally-adopted child• child for whom legal guardianship has been awarded• any unmarried dependent child of any age who is medically certified as disabled and dependent

upon you

Dependent Verification: HollyFrontier audits dependent verification documentation and employees may be required to produce additional information at any time.

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When Does Coverage Begin?The elections you make during Annual Enrollment are effective on January 1, 2018. Due to IRS regulations, once you have made your choices for the 2018 plan year, you won’t be able change your benefits until the next enrollment period unless you experience a qualifying life event.

QUALIFYING LIFE EVENTSWhen one of the following events occurs, you have 31 days from the date of the event to notify the HollyFrontier Benefits Department and/or request changes to your coverage.

• change in marital status (e.g., marriage, divorce, deceased spouse)

• change in the number of dependents (e.g., birth, legal/ward guardianship, adoption)

• change in your spouse’s employment status, resulting in a loss or gain of coverage

• change in your employment status, resulting in a loss or gain of coverage

• enrollment in Medicare or Medicaid

Your change in coverage must be consistent with your change in status. Please direct questions regarding specific life events and your ability to request changes to the HollyFrontier Benefits Department at HFC.Benefits.Dept@HollyFrontier.com.

Enroll online in SAP via myHRinfo.

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MEDICAL BENEFITS

BCBSTX CDHP with HSABIWEEKLY CONTRIBUTIONS

Employee Only $66.26 Employee + Spouse $132.51

Employee + Child(ren) $119.26 Employee + Family $185.52

In-Network Out-of-Network

CALENDAR YEAR DEDUCTIBLEIndividual $1,350 $2,700

Family $2,700 $5,400RX Deductible Non-Preventive Rx Subject to Medical Deductible

Coinsurance (Employee Pays) 20% 40%

CALENDAR YEAR OUT-OF-POCKET MAXIMUM (INCLUDES DEDUCTIBLE)Individual $2,500 $5,000

Family $5,000 $10,000Lifetime Maximum Unlimited

COINSURANCE*Outpatient Services 20% 40%Specialist Services 20% 40%

Preventive Care No charge Not coveredUrgent Care 20% 40%

Emergency Room 20%

NON-PREVENTIVE RX* / MAIL ORDER**Generic 20% 20%

Formulary 20% 20%Non-Formulary 20% 20%

PREVENTIVE RX / MAIL ORDER**Generic $10 Not covered

Formulary $20 Not coveredNon-Formulary $35 Not covered

*After Deductible **Mail Order In-Network Only

The Consumer-Driven Health Plan (CDHP) has an aggregate deductible, meaning the family deductible amount will include all combined eligible expenses that you and your covered dependents incur. Each covered individual is not required to meet the individual deductible. The family deductible amount may be satisfied by one member or a combination of two or more members covered under your medical plan.

MY healthWe are invested in your health. HollyFrontier provides medical coverage and a variety of programs that offer tools and support to promote wellness and good health.

Our medical coverage is provided by BlueCross BlueShield of Texas (BCBSTX). The Consumer-Driven Health Plan (CDHP) with Health Savings Account (HSA) helps you maintain your well-being through preventive care and access to an extensive network of providers, as well as affordable prescription medication. To see a current list of network providers online, visit www.bcbstx.com.

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DENTAL BENEFITS

BCBSTX DENTALBIWEEKLY CONTRIBUTIONS

Employee Only $3.58

Employee + Spouse $7.30

Employee + Child(ren) $6.88

Employee + Family $11.58

Coverage

CALENDAR YEAR DEDUCTIBLEIndividual $50/person

Family $150/max

CALENDAR YEAR MAXIMUMPer Person $2,000

COINSURANCEPreventive Services

Exams, cleanings, x-raysYou pay 0%

2 cleanings per calendar year

Basic Services* Restorative, endodontics, periodontics and oral surgery You pay 20% coinsurance

Major Services* Crowns, inlays/onlays, implants and prosthodontics You pay 40% coinsurance

Orthodontics Orthodontia (adults and children) You pay 50% coinsurance

Orthodontic Lifetime Maximum $1,500

*After Deductible

Routine preventive care, such as regular dental checkups, can help lower your risk of stroke and heart disease. HollyFrontier offers dental coverage to help protect you and your family.

HollyFrontier’s dental coverage will provide you and your family affordable options for overall health. Coverage is available from BCBSTX Dental.

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VISION BENEFITS

If you wear glasses or contacts, chances are you already have a steady appointment with an eye doctor. But even those with perfect eyesight should have their vision checked on a regular basis.

VSP VISIONBIWEEKLY CONTRIBUTIONS

Employee Only $3.51Employee + Spouse $7.03

Employee + Child(ren) $7.45Employee + Family $11.90

In-Network Out-of-Network

COVERED MATERIALSLenses

Single/Bi/Tri/Lenticular Lenses $25 copay Reimbursed up to $50/$75/$100/$125

Frames

Retail Frame Equivalent$25 copay

Plan pays up to $120 Retail 20% off any balance over $120

Reimbursed up to $70

Contacts

Necessary$25 copay, 100% on lenses

and contact lens examReimbursed up to $210

Elective Plan pays up to $120 Retail Reimbursed up to $105

COPAYS

Examination $15 copay Reimbursed up to $50

BENEFIT FREQUENCY

Examination One exam every 12 months

Contact Lenses/Frames Any combination of two pairs every 12 months

To ensure that you and your family have access to quality vision care, HollyFrontier offers benefits through VSP.

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Benefits Value Advisor (BVA) HollyFrontier has partnered with BCBSTX to bring you Benefits Value Advisor. A BVA is specially trained to help you with benefits information, cost estimates for healthcare services and can even help you schedule appointments. To speak with your BVA call the number on the back of your BCBSTX card.

800-521-2227 www.bcbstx.com

Blue Distinction Specialty Centers BCBSTX has awarded specific hospitals and facilities with the Blue Distinction designation. These particular facilities have demonstrated expertise in delivering clinically proven specialty healthcare. A list of Blue Distinction Specialty Centers is available online to help you choose the best facility for your care.

800-521-2227 www.bcbstx.com

Member Rewards, a new Vitals program from BCBSTX, you can receive cash rewards for choosing a quality lower-cost medical provider from several possibilities. By using the Provider Finder tool, Member Rewards can help you reduce costs and take more control of your healthcare financial decisions.

800-521-2227 www.bcbstx.com

Blue Care Connection Blue Care Connection programs can help you improve your well-being by connecting you with behavioral health and life management specialists, so you can get all the answers you need in one place. Use these resources to help you manage weight, control stress, stop smoking and stay healthy.

866-412-8795 www.bcbstx.com

HFC Personal Health Clinicians As part of the Blue Care Connection program, HollyFrontier employees have two dedicated nurses or Personal Health Clinicians (PHCs) available to answer your health questions. Whether you have questions about an upcoming hospital stay, a new diagnosis or just ways to improve your health, your PHC is ready to help!

855-710-6985 www.bcbstx.com

BLUECROSS BLUESHIELD OF TX PROGRAMS

Navigating the healthcare system can be overwhelming. That’s why HollyFrontier has taken steps to make the process more personal and straightforward, so you and your family can get the care you need. We’ve implemented a number of programs and services from BlueCross BlueShield of Texas that can simplify the process, provide personalized attention, earn you rewards and help save you money — and it’s all at no cost to you!

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Special Beginnings Maternity Program With the Special Beginnings program, mothers-to-be can get the personal support they need for every stage of their pregnancy, from nutrition to doctor’s visits to potential risks. You’ll also find a range of videos, including interviews with professionals such as clinical psychologists and registered nurses, and a healthy pregnancy calendar customized for you and your baby.

888-421-7781 www.bcbstx.com

Pharmacy Prior Authorization Program Prior Authorization means that your doctor may need to get approval before certain medicines will be covered by your plan. The program applies to certain high-cost drugs that have the potential for misuse.

800-521-2227 www.bcbstx.com

Pharmacy Step Therapy Program With the Step Therapy Program, you will need to try the lowest cost version of your prescribed drug before your doctor can recommend a more costly drug. This may mean transitioning your existing medication to a new, lower-priced drug from the same category with your next prescription.

800-289-1525 www.bcbstx.com

Prime Therapeutics Specialty medications that treat complex conditions like cancer and hepatitis C require an enhanced level of service. All specialty prescriptions must be filled through Prime Therapeutics Specialty Pharmacy to be considered an eligible expense. Prior authorization may apply.

877-627-6337 https://www.bcbstx.com/pdf/rx/rx-specialty-drug-list-tx.pdf

Blue Access for Members (BAM) MobileSM Opt in to receive New Healthy Tips by Text, and you’ll get convenient and secure reminders about tips to improve your health sent right to your phone.

800-521-2227 www.bcbstx.com/mobile

Blue Access for Members (BAM) Visit BlueCross BlueShield of Texas’s secure website to get immediate online access to:

• Well onTarget under “My Health” • claims status and history and Explanation of Benefits (EOB) • BlueChoice PPO network provider locator • and more!

800-521-2227 www.bcbstx.com

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Well onTarget through BCBSTXGetting in shape can be hard work, and sometimes your personal health goals can seem just out of reach. We all need a little extra motivation every now and then.

At HollyFrontier, we want to help you meet your goals, and even better, reward you along the way! As part of your benefits package, we’ve invested in Well onTarget through BCBSTX to offer a fun way to encourage you towards health and fitness. This is an online program that provides a variety of programs and resources such as:

• self-directed online courses about nutrition, fitness, weight management, stress and more

• an online library of health related articles• tools, trackers, and calculators to help you meet your health and

wellness goals• an online health assessment• a fitness program that has a network of over 9,000 participating fitness centers

at a discounted cost of $25 per member per month fee and no membership contract

You and your enrolled dependents can earn points by making healthy choices, like participating in Well onTarget Blue Points Program activities (including the fitness program). These points can be redeemed for rewards you’ll actually use! BCBSTX offers an online shopping mall so you can use your points to shop for items such as apparel, books, health and personal care, jewelry, electronics, music, sporting goods and much more! To learn more about Well onTarget, log on to your BCBSTX account at www.bcbstx.com/members.

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MDLiveIt’s not always easy to make it to your primary care doctor when you get sick, but urgent care centers can end up being expensive. Try MDLive instead. For just $40 a visit, you can talk to a doctor online via video, phone or email 24/7/365. MDLive doctors can diagnose symptoms and prescribe medications for minor health concerns. Use it when your primary doctor is not available, you’re sick while traveling, on nights and weekends, or when it’s inconvenient to leave home. Call 888‑632‑2738 or visit www.mdlive.com/hfc to get started.

EMPLOYEE ASSISTANCE PROGRAM (EAP)HollyFrontier cares about you and your family’s total health management — mental, emotional and physical. For that reason, we provide an Employee Assistance Program (EAP) at no cost to you.

Whether you are interested in work/life resources, mental health assistance, or legal and financial advice, the EAP service can connect you and members of your household with a variety of professionals. With just one phone call, at any hour of the day or night, you can have access to helpful resources. The EAP benefit includes five (5) face-to-face visits per issue with a licensed professional. All services provided are confidential and will not be shared with HollyFrontier. You may also access information, benefits, educational materials and more by phone at 800‑437‑0911 or online at www.MyLifeResource.com. You will need to enter the following access code during your initial web visit: C9AGJ.

The Program provides referrals to help with:

• emotional health and well-being• alcohol or drug dependency• marriage or family relationship problems• job pressures• stress, anxiety, depression• grief and loss• financial or legal advice

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MY wealthHollyFrontier provides programs and benefits to help you protect and save for your financial future.

HEALTH SAVINGS ACCOUNTTake charge of your healthcare spending with a Health Savings Account (HSA). Contributions to an HSA are tax free, and no matter what, the money in the account is yours. Use it to pay for eligible medical expenses when you are enrolled in a qualified Consumer Driven Health Plan (CDHP). A Health Savings Account is a great way to manage your healthcare dollars and prepare for upcoming medical expenses. Your contribution amount is up to you — contribute as little or as much as you can afford (up to the IRS limits, of course). But even if you’re generally healthy, by contributing enough to your HSA to cover your deductible, you’re covered in the event of an emergency.

HSAs can also be used to build more savings into retirement. You can take advantage of HSA investment opportunities in mutual funds, stocks, bonds and more. Check out www.hsabank.com or call 855‑731‑5220 to learn more about investment and contribution options.

Your HSA can be used for qualified expenses, including those of your spouse and/or dependent(s), even if they are not covered by your Plan. IRS Publication 502 provides a complete list of eligible expenses; visit www.irs.gov for details.

For 2018, contributions (which include any employer contribution) are limited to the following:

Individual: $3,450 Individual + Dependent(s): $6,900

Catch‑up Contribution (ages 55+): $1,000

HollyFrontier Contributes to Your HSAHollyFrontier will provide an HSA employer contribution that will be deposited in a lump sum on an annual basis:

Individual: $1,000 Individual + Dependent(s): $2,000

*Prorated for new hires

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Dependent Care Flexible Spending AccountYou can contribute up to $5,000 to pay for child or elder care expenses on a pre-tax basis whether or not you elect any other benefits. FSA Rules

• your dollars cannot be transferred from one FSA to another.

• you must “use it or lose it” — any unused funds will be forfeited.

• FSA participants have an additional 2½-month grace period of time to incur expenses after the Plan Year ends (December 31, 2018).

• the 2½-month grace period applies to both the Dependent Care and Healthcare FSAs (March 31, 2018).

FLEXIBLE SPENDING ACCOUNTSFlexible Spending Accounts allow you to set aside pre-tax earnings for eligible medical, dental and vision expenses as well as dependent care expenses.

Healthcare Flexible Spending AccountYou can contribute up to $2,650 for qualified medical, dental and vision expenses with pre-tax dollars. (Limited to dental and vision expenses if eligible for an HSA account.)

You will be automatically enrolled to contribute 6% of your eligible earnings (within 30 days from hire date), but you may choose a different percentage at any time. Your contributions will be pre-tax from 1% to 75% of your eligible earnings. HollyFrontier will match 100% of the eligible earnings you contribute to the Plan through salary deferral to a maximum of 6% of eligible earnings up to the compensation limit of $275,000 for 2018.

HollyFrontier will also make an Employer Retirement Contribution. The same definition of eligible earnings that is used for salary deferral contributions is used to calculate the Employer Retirement Contribution. This contribution is based on years of service according to the following chart:

EMPLOYER RETIREMENT CONTRIBUTIONSYears of Services Contribution % Years of Service Contribution %

Less than 5 3% 15, But less than 20 6.5%

5, But less than 10 4% 20 or more 8%

10, But less than 15 5.25% Employer contributions may change in the future.

Your taxable income is reduced by the amount you contribute through salary deferral. Your total pre-tax salary deferral in 2018 may not be more than $18,500. If you are or will be age 50 or older during this calendar year and you already contribute the maximum allowed to your 401(k) account, you may also make a “catch-up contribution.” The maximum catch-up contribution is $6,000 for 2018. See your Plan Administrator for more details.

The HollyFrontier 401(k) Retirement Savings Plan provides you with the tools and flexibility you need to build financial wealth and plan for retirement.

RETIREMENT PLANNING

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SUPPLEMENTAL LIFE INSURANCE

RATES/$1,000 (MONTHLY)

AGE (AS OF JANUARY 1, 2018) EMPLOYEE SPOUSE AGE

(AS OF JANUARY 1, 2018) EMPLOYEE SPOUSE

Age <25 $0.074 $0.074 Age 50-54 $0.352 $0.352

Age 25-29 $0.074 $0.074 Age 55-59 $0.658 $0.658

Age 30-34 $0.121 $0.121 Age 60-64 $1.009 $1.009

Age 35-39 $0.139 $0.139 Age 65-69 $1.945 $1.945

Age 40-44 $0.158 $0.158 Age 70 & Over $3.158 Not eligible

Age 45-49 $0.232 $0.232

Basic Employee Life and Accidental Death and Dismemberment (AD&D) InsuranceBasic Life and AD&D benefits are provided to you as a part of your basic coverage. HollyFrontier provides employees with Basic Life and AD&D insurance through Cigna, which guarantees that loved ones, such as a spouse or other designated survivor(s), continue to receive part of an employee’s benefits after a death.

SURVIVOR BENEFITS

Discussing what might happen to your family if you were not around to provide for them isn’t always the easiest conversation, but it is necessary. Life and AD&D benefits provide financial assistance in your absence, and can help you plan for the unexpected. If you have life insurance, chances are you can take comfort in knowing that those who depend on you will be provided for.

Voluntary Life and AD&D InsuranceEligible employees may purchase Voluntary Life and AD&D insurance for themselves and their families. Premiums are paid through post-tax payroll deductions. New hire guaranteed coverage is $150,000 for employee-only and $75,000 for spouses. Current employees who wish to enroll must submit Evidence of Insurability. You may purchase Voluntary AD&D insurance for yourself in increments of $25,000.

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CHUBBCOVERAGE FOR COVERAGE AMOUNTS

Employee OnlyIncrements of $10,000 to a maximum of $650,000. Benefit amount cannot exceed the lesser of 10 times the employee’s annual salary or $650,000

Spouse60% of the employee’s voluntary coverage amount with no children or 50% with children (no age reduction of coverage)

ChildrenEach child: 20% of the employee’s voluntary coverage amount if no spouse or 15% with a spouse to a maximum of $50,000

Employer‑paid to max of:• Employee Only: $170,000• Employee + Family: $100,000• Fire Team: $650,000100% employee-paid in excess of these amounts.

CHUBB Voluntary AD&D InsuranceThis Plan is available for:

• Class I: All active, full-time officers, salaried employees and hourly employees

• Class II: The spouses and dependent children of Class I

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*An instance of absence is defined as one (1) or more consecutive working days or partial days missed because of injury or illness. A continuous or the same re-occurring illness or injury may be defined as one instance of absence if the absences are for the same cause. A physician’s statement may be requested.

**Waiting period may be waived for work-related injuries or life-threatening illnesses (i.e. cancer or heart conditions), which necessitate frequent or long-term absence from work, upon presentation of medical evidence acceptable to the Company.

***If employment begins after January 1st, the STD annual credit maximum shown above will be prorated.

Please see HollyFrontier Employee Manual for a complete description of STD benefit provisions, plan limitations and restrictions, and guidelines on when benefits stop.

SHORT TERM DISABILITY BENEFITS

Calendar year absences due to

illness/injury*

Waiting period before benefit

begins**Benefit begins

Annual credit maximum based on instances of absence from previous year***

Calendar year benefit maximum

1st Absence 0 1st day of Absence 360 full pay hours

100% of pay up to Annual Credit Maximum, not

to exceed 1,560 hours per Cal. Yr. 60% of pay thereafter until

LTD waiting period is satisfied.

2nd Absence 0 1st day of Absence 360 full pay hours

3rd Absence 0 1st day of Absence 120 full pay hours

4th Absence 1 Day 2nd day of Absence 120 full pay hours

5th Absence 3 Days 4th day of Absence 40 full pay hours

6th+ Absence 5 Days 6th day of Absence 0 full pay hours

Long Term Disability Long Term Disability (LTD), administered by Cigna, protects a portion of your income if you become partially or totally disabled for an extended period of time. The company-paid core plan replaces 60% of your income, up to a maximum of $8,000 per month. There is also an employee-paid buy-up plan which replaces 66.67% of your income, up to a maximum of $15,000 per month, depending on your current annual earnings. You must be sick or disabled for at least 365 days before you can receive a benefit payment. Payments will last for as long as you are disabled or until you reach your Social Security Normal Retirement Age, whichever is sooner. Certain exclusions, along with any pre-existing condition limitations, may apply. Please refer to your Summary Plan Description for details or contact Human Resources for specific benefits.

HollyFrontier offers disability coverage to protect you against an unfortunate debilitating injury or serious medical condition. This insurance protects a portion of your income until you can return to work, or until you reach retirement age.

INCOME PROTECTION

Short Term Disability Short Term Disability (STD) insurance protects a portion of your income if you become partially or totally disabled for a short period of time.

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Dependent Scholarship ProgramHollyFrontier has established a scholarship program to assist dependent children of employees who plan to continue their education at a college or university. Renewable scholarships are offered each year for full-time study at an accredited institution of the student’s choice. Dependent children who are high school seniors planning to enroll full-time (at least 12 credit hours per semester) at an accredited two- or four-year college or university for the entire upcoming academic year are eligible to apply. If selected, the student will receive a $2,000 award. Applications are due by March 1 each year, and scholarships are awarded on the basis of academic record, demonstrated leadership and participation in school and community activities, honors, work experience, statement of goals and aspirations, unusual personal or family circumstances, and an outside appraisal. Scholarships can be renewed each year that the child continues in their undergraduate degree program and maintains a 2.50 cumulative GPA on a 4.00 scale.

At HollyFrontier, we strive to broaden the extensive knowledge and experience of our employees through a number of different learning and development opportunities.

Educational AssistanceHFC encourages employees to improve their understanding and knowledge through ongoing education outside of work. To help you pursue your educational goals, we offer an Educational Assistance Program to all employees that have been employed for at least six months and have demonstrated acceptable performance in their position. For expenses to be eligible, you must be pre-approved by your supervisor/manager. You must take a course from an accredited and approved educational institution — that’s not just colleges and universities, but also trade schools, certification programs and other courses offered through professional organizations. Reimbursements of up to $5,000 per semester or $15,000 per year per employee are available! You have to earn a minimum grade of “C” or equivalent in the course.

Career OpportunitiesInterested in learning about open positions at HollyFrontier? Check out the myHFCsucess portal. myHFCsuccess is improving the way our internal employees can view open career opportunities.

To view and apply for open positions, click “Careers” in top left-hand corner on myHFCsuccess. Once there, you can sort, filter and search for open positions across the company. myHFCsuccess also allows you to set up a customized Job Alert. Job Alerts will notify you when a position is posted that matches your career interests.

HollyFrontier Corporation employees must now apply for open positions using the Careers section. For assistance, please contact your local HR Representative.

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Licensing and Memberships in Professional or Business SocietiesAt HFC, we want to encourage your professional growth. Participation in professional and business societies can help you stay on top of developments in your field, establish personal relationships and otherwise aid your professional growth and recognition. Membership in a professional or business society generally reflects your interest and goals. With management approval, membership dues will be paid by HFC if the membership is required as a qualification for you to perform your duties, or if your membership is of particular and significant value to HFC.

Emergency Response BrigadeHave you thought about improving your career at HollyFrontier? Are you interested in medical response, high angle rescue or have an aptitude for fighting fire? You might consider joining the Emergency Response Brigade. There are many different roles that you can provide while expanding your knowledge and training at the same time!

Participation in the Emergency Response Brigade can enhance your knowledge and understanding of our programs at each refinery while earning you some extra money! Yes, you can earn an incentive for being part of the Brigade after you have met certain training requirements. After joining you will start attending training and then attend NFPA 1081 Pro-Board certification training at TEEX in College Station! Once you have passed the Pro-Board training, you are eligible to attend our Corporate Fire School that we conduct several times per year at TEEX.

This is a great opportunity for you to see first-hand how our dedicated Emergency Response team members train and to be part of this invaluable program.

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BENEFITLINK

Get started in just 4 easy steps!

Step 1: Download the appiPhone users, download at Apple App storeAndroid users, download at Google Play store

Step 2: Log inUsername: HollyFrontierPassword: benefits

Step 3: Check your settingsNow that you are logged in, check your settings and turn on your push notifications so we can remind you about important dates, deadlines and benefits details.

Step 4: Set up your text messagingText HFC2me to 99000 to sign up for text messaging. Text messaging lets us cut back on the emails and send you need-to-know info and links to learn more.

NEW! HollyFrontier Benefits PortalAccess all of your benefits information with just one click! The new Benefits Portal is your one-stop-shop for everything from plan information and reference materials to key dates and important contacts. If you have questions about your benefits any time during the year, look no further than www.hfc‑rewards.com.

Connect with HollyFrontier on the go!You are mobile, and we are too. With our mobile app, BenefitLink, and our text messaging service, you have access to your benefits information anytime, anywhere. Super convenient and easy to use, the BenefitLink app gives you access to need-to-know benefits information, right from your mobile phone.

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Coverage Contact

Medical and Pharmacy

BCBSTX800-521-2227www.bcbstx.comPolicy #: 010014Group #: 098757

Dental

BCBS Dental 800-521-2227 www.bcbstx.com Policy #: 010014 Group #: 011657

VisionVSP 800-877-7195 www.vsp.com

Health Savings Account

HSA Bank 855-731-5220 www.hsabank.com

Flexible Spending Accounts

TaxSaver Plan 800-328-4337 www.taxsaverplan.com

Life and AD&D

Life & AD&D Cigna 800-732-1603 www.Cigna.com

Voluntary AD&D CHUBB 800-252-4670 www.chubb.com

Long Term Disability

Cigna 800-362-4462 www.Cigna.com

RetirementPrincipal 800-547-7754 www.principal.com

Employee Assistance Program

Carebridge 800-437-0911 www.myliferesource.com

Business Travel Accident

CHUBB 800-252-4670 www.chubb.com

MDLive 888-632-2738 www.mdlive.com/hfc

IMPORTANT CONTACTS

This brochure is intended to describe the eligibility requirements, enrollment procedures and coverage effective dates for the benefits offered by the Company. It is not a legal Plan document and does not imply a guarantee of employment or a continuation of benefits. While this brochure is a tool to answer most of your questions, full details of the Plans are contained in the Summary Plan Descriptions (SPDs) which govern each Plan’s operation. Whenever an interpretation of a Plan benefit is necessary, the actual Plan documents will be used.