Duncan Supply Company Benefit Guide 2025

BENEFIT GUIDE 2025 Prepared for: Duncan Supply Company, Inc. Open Enrollment: February 6, 2025 – February 14, 2025 Benefits effective 3/1/2025 – 2/28/2026. Presented by:

Open Enrollment 2025-26 Plan Year Details Duncan Supply Company emphasizes the importance of health, wellness, and financial security for employees and their families. During Open Enrollment, which runs from February 6 to February 14, 2025, employees can enroll in or make changes to their benefits. Open Enrollment for 2025-26 is passive, meaning if no changes are made, current elections will automatically roll over. However, it’s still the only time of year to adjust benefits unless a qualifying life event occurs. Any changes made will take effect on March 1, 2025. Medical • Medical Plan carrier – Anthem Blue Access Network Plan • Slight increase in employee premiums. • Mandated increase in deductibles for HSA plan. Dental • Dental Plan carrier – Anthem Dental Network Plan • Employee premiums remain the same. Vision • Vision Plan carrier – Anthem Blue View Vision Plan • Employee premiums remain the same. Life and • Life & Disability carrier – New York Life & Allstate • Anthem life, STD & LTD coverages will move to New York Life. Disability • Opportunity to elect Life and Disability coverages or increase Voluntary Life coverages up to guarantee issue limit without EOI. Health • Anthem Engage 200 Advocate & • Download & register on the Anthem Sydney app Wellbeing • Participate in Wellbeing Solutions activities and health coaching Solutions • Receive electronic gift card rewards up to $200 annually Worksite • Accident, Critical Illness, EAP, Health Advocacy and more … Benefits & • Carriers – Allstate and New York Life Call Center • Allstate products require EOI for late entrants in Cancer & STD • Health Advocate and EAP through New York Life Page 2 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Phone Enrollment Enroll directly over the phone! 01 PHONE ENROLLMENT To simplify the enrollment process, employees can choose to enroll over the phone with a Call Center Enrollment Specialist. Before enrolling, it's recommended to review the 2025 Benefit Guide and other available resources. Once ready, employees can use the provided Call Center contact information to complete their enrollment over the phone. Duncan Supply Benefits Call Center 888-598-2040 Monday-Friday 8:00am-6:00pm EST 02 REVIEW BENEFIT OPTIONS Employees are encouraged to visit the benefits website, watch informational videos, and review the plan summaries for more details. If there are any questions about benefits, employees can contact the Call Center to speak with an Enrollment Specialist for assistance. www.duncansupplybenefits.com 03 ENROLL, CHANGE, OR DECLINE BENEFIT OPTIONS Duncan Supply Call Center Representatives are available to discuss your benefit options and can help you enroll in benefits over the phone. If possible, please be in front of computer or smart device during your call. Page 3 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Online Enrollment You also have the option to self-enroll In Your Benefits Online. 01 LOGIN Log in to PlanSource at benefits.plansource.com/logon Username: First letter of first name + first six (6) letters of your last name + last four of your SSN (example: John Employee, SSM 222-22-1234 = jemploy1234). First-time Temporary Password: Your date of birth formatted as YYYYMMDD. (ex June 1, 1980 = 19800601) For first time users or when adding a new dependent, be sure to have the following information: • Birthdate and social security numbers for yourself and each dependent including spouse • Marriage date (if applicable) 02 ENROLL, CHANGE, OR DECLINE BENEFIT OPTIONS Complete the enrollment steps to shop for benefits. After completing each screen, click UPDATE CART. CHECKOUT 03 Review all your personal, dependent, and enrollment information closely, and make changes if necessary. You can print or email the enrollment form if you choose. Page 4 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Benefit Highlights 2025-26 PLAN YEAR DETAILS Eligibility • All full-time employees working 30 hours per week are eligible to participate in Duncan Supply benefits on the 1st of the month following 30 days of employment. • You may insure yourself and eligible family members under the program. • Your children are eligible for medical, dental, and vision to age 26 (and Voluntary Life Insurance where the maximum dependent age is 26) • Your children of any age are also eligible if you support them, and they are incapable of self- support due to disability. Proof of Dependent Eligibility As required by our insurance contracts, you may be required to provide proof of eligibility for your dependents. If your dependent becomes ineligible for coverage during the year, you must contact Human Resources within 30 days. Making Benefit Changes After Open Enrollment You may make a change to your benefits if you have a qualified status change such as: • Change in marital status • Change in a child’s dependent status • Birth or adoption of a child • Death of a spouse, child, or other qualified dependent • Change in your spouse’s benefits or employment status Last Day of Benefits Upon full-time separation of service, benefits will end on the last day of the month of your date of termination. Compliance The offered plans meet essential and affordable guidelines in compliance with the Affordable Care Act. All Federal and State required plan notices can be found in PlanSource. You may also request a printed copy of all notices, free of charge, upon request. Page 5 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Employee Bi-Weekly Cost Contributions Effective March 1, 2025 Medical Coverage HSA PPO (26 biweekly pays) (26 biweekly pays) Employee Only $38.73 $72.29 Employee + Spouse $258.16 $309.79 Employee + Child(ren) $219.43 $258.16 Family $361.42 $413.06 Dental & Vision Coverage Voluntary Dental Voluntary Vision (26 biweekly pays) (26 biweekly pays) Employee Only $15.54 $3.65 Employee + Spouse $31.56 $6.14 Employee + Child(ren) $42.15 $6.26 Family $59.60 $9.91 Life, Short-Term, and Long-Term Disability & More… Coverage Employee Cost Basic Group Term Life/AD&D – New York Life There is no cost to the employee Voluntary Life – New York Life Rates vary based on age Voluntary STD – New York Life Rates vary based on salary and age Voluntary LTD – New York Life Rates vary based on salary and age Additional STD (7-30) – Allstate Rates vary based on salary and age Accident Insurance – Allstate Rates vary based on plan elected Critical Illness Insurance – Allstate Rates vary based on salary and age Cancer Insurance – Allstate Rates vary based on salary and age Hospital Indemnity Insurance – Allstate Rates vary based on plan elected Page 6 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

2025 Medical Benefit Overview Medical & Prescription Drugs Insured by UnitedHealthcare PPO Plan HSA Plan IN-Network Benefits IN-Network Benefits Physician Office Visit $30 per visit 20% after Deductible Specialist Office Visit $50 per visit 20% after Deductible Deductible* Embedded Embedded Single $3,000 $3,300 Family $9,000 $6,400 Coinsurance 20% 20% Out-of-Pocket Maximum Embedded Embedded Single $6,500 $6,650 Family $13,000 $13,300 Preventive Care 100% Coverage 100% Coverage Hospital Services 20% after Deductible 20% after Deductible Outpatient Services 20% after Deductible 20% after Deductible Maternity Services 20% after Deductible 20% after Deductible Emergency Room Services $250 + 20% per visit 20% after Deductible Urgent Care Centers $75 per visit 20% after Deductible Mental Health Inpatient 20% after Deductible 20% after Deductible Outpatient 20% after Deductible 20% after Deductible Lifetime Maximum Unlimited Unlimited *Some Generic Rx medications used to prevent chronic conditions are not subject to the individual and/or family deductibles. The medical plan is administered by Anthem Blue Access, which offers discounts through the largest national network of doctors and hospitals. For the best benefits and value, it's recommended to use network providers, though it’s not required. Services outside the network will cost more. Employees can visit anthem.com or use the Sydney Health app to find participating providers. Page 7 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

2025 Pharmacy Benefit Overview Prescription Benefit Highlights: In-Network* PPO Plan HSA Plan Retail Pharmacy (30 Day Supply) Tier 1 Typically Generic $10 20% coinsurance after Deductible Tier 2 Typically Preferred Brand $30 20% coinsurance after Deductible Tier 3 Typically Non-Preferred Brand $75 20% coinsurance after Deductible Tier 4 Typically Specialty 25% to $350 per Rx 20% coinsurance after Deductible Mail Order (90 Day Supply) Carelon Rx Tier 1 Typically Generic $25 20% coinsurance after Deductible Tier 2 Typically Preferred Brand $105 20% coinsurance after Deductible Tier 3 Typically Non-Preferred Brand $225 20% coinsurance after Deductible Tier 4 Typically Specialty 25% to $350 per Rx 20% coinsurance after Deductible Covered Prescription Drug Benefits Pharmacy Deductible Combined with in-network medical deductible Pharmacy Out of Pocket Limit Combined with in-network medical out-of-pocket limit Prescription Drug Coverage Network: Base Network Drug list: National Drugs not included on the drug list will not be covered, then $30 copay Day Supply Limits: Retail Pharmacy – 30-day supply Retail Pharmacy – 90-day supply (3 times the 30-day supply cost share(s) charged at Preferred Network and in- network retails pharmacies noted below applies). Home Delivery Pharmacy – 90-day supply (maximum cost share noted above) Maintenance medications are available through Carelon Rx Mail (Ingenio Rx will became Carelon Rx on January 1, 2023). You will need to call us on the number on your ID card to sign up when you first use the service. Specialty Pharmacy – 30-day supply (cost shares noted above for retail and home delivery apply). We may require certain drugs with special handling, provider coordination or patient education be filled by our designated specialty pharmacy. Drug cost share assistance programs may be available for certain specialty drugs. Preventive Drugs - Your pharmacy cost share is waived for in-network drugs included on the Preventive Drug Enhanced drug list, a designated list of drugs to treat health conditions, such as: diabetes, asthma, depression, heart health, high blood pressure, high cholesterol, and osteoporosis. 1) If enrolled in the PPO plan, you will be responsible for RX copays until your total expenses (medical and RX) reach the total out-of-pocket maximum. PPO copays do not accumulate toward your deductible. 2) Specialty medications are limited to a 30-day supply, whether purchased at retail or through mail order. 3) The Preventive Drug Plan covers only preventive drugs listed on the Preventive Drug List at 100% when in- network. Drugs not on the list will be subject to the deductible and coinsurance. A complete list of covered preventive drugs is available in the Preventive Drug List. Page 8 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Pharmacy Cost Comparison Tools Prescription drug costs can vary by pharmacy. While your insurance carrier offers discounts when you use your ID card at the time of filling, there are also vendors that may offer additional or greater discounts. You’re encouraged to use available tools to shop and compare prices the next time you need to fill a prescription. www.goodrx.com www.RXHelpCenters.com GoodRx offers a website and mobile app RX Help Centers provide assistance to compare prescription drug prices. in finding resources for high-cost Simply visit www.goodrx.com, enter the brand name medications by drug name, and GoodRx will show the cost advocating directly with drug at multiple pharmacies. You can then show manufacturers. Visit their website or the coupon to your pharmacist. Registration and an ID card are not call (866) 478-9593. required to use GoodRx. Rx Tools When to Use Coupons Mark Cuban’s The video below features a Pharmacist who CostPlus Drug Company explains why medications can be cheaper costplusdrugs.com through services like GoodRx. It also The goal of the Mark Cuban Cost Plus Drug compares whether using coupons for Company is to dramatically reduce the cost of prescriptions is a better option or if it’s more drugs like Albendazole, but we also think that it beneficial in the long run to apply costs is just as important to introduce transparency toward your deductible to meet your out-of- to the pricing of drugs, so patients know they pocket maximum sooner. are getting a fair price. Watch the video to the Watch online at lhdbenefits.com/rx-education/ left to understand when it’s right for you to use this service. Page 9 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Anthem Tools to Know As a member of an Anthem Medical Plan, you have access to a variety of tools that save you time, money, and help keep you better informed about your medical plan offerings and plan usage. Anthem Member Website Sydney Mobile App Portal Download the mobile app to get a copy of Once you receive your Anthem ID your ID card immediately via your phone card, register on the portal at (which can be faxed or emailed to your www.anthem.com. The portal gives provider); compare costs of nearby doctors you access to your ID cards, claim for different procedures; search for in- summaries, and EOB statements. You network doctors, urgent care centers or can search and compare costs of hospitals; check the cost of drugs or get different providers and services, refills; and view your mobile Health Record download claims and mail order and share it with your doctor. delivery forms, price medications, and access discount programs available BCBS Global Core through Special Offers. When you travel outside the U.S., your Anthem group plan covers you in the event of an emergency. A Service Center is available 24/7 to assist you in finding a LiveHealth Online doctor or hospital. Visit bcbsglobalcore.com Live Health Online provides immediate for more information regarding Service doctor visits through live video. Sign up Center contact information and claim forms. at livehealthonline.com or download the mobile app. Board certified physicians Discounts available 24/7, prescriptions available, $59 per visit. Licensed psychiatrists and Get discounts on LASIK, hearing aids, activity psychologists are also available at an trackers, gym memberships, pet insurance, additional cost. glasses and contacts, vitamins, smoking cessation classes, as well as other health improvement products. Visit your Anthem Pharmacy Immunization portal and select Discounts to view the If your physician has given you a member exclusive offers. prescription for the flu, pneumonia, or shingles vaccine, you can have that 24-Hour NurseLine vaccine administered at a participating Anthem has you covered by offering a 24/7 pharmacy. Visit CVS, Kroger, Meijer, nurseline. You can get help finding providers Target, Walgreens, and Walmart and or getting advice for minor illnesses or show them your ID card. The coverage is injuries. Call (800) 337-4770 to speak to a the same as if you were in your doctor’s nurse anytime, day or night. office. There is no cost to you. Page 10 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Anthem’s Telehealth App No Waiting Room, No Need to Leave Home See a board-certified doctor 24/7 – You don’t need an appointment to see a doctor. They’re always available to assess your condition and send a prescription to the pharmacy you choose, if needed. It’s a great option when you have pink eye, a cold, the flu, a fever, allergies, a sinus infection or another common health issue. Visit a licensed therapist in four days or less - Have a video visit with a therapist to get help with anxiety, depression, grief, panic attacks and more. Schedule your appointment online or call 1-888-548-3432 from 8 a.m. to 8 p.m., seven days a week. Consult a board-certified psychiatrist within two weeks - If you’re over 18 years old, you can get medication support to help you manage a mental health condition. To schedule your appointment, call 1-888-548-3432 from 8 a.m. to 8 p.m., seven days a week. Your Anthem plan includes video visits using LiveHealth Online, you just pay your share of the costs — usually $59 or less for medical doctor visits, and a 45-minute therapy or psychiatry session usually costs the same as an office or download the app and register on your phone or tablet. mental health visit. Visit livehealthonline.com Finding a Primary Care Physician (PCP) In Your Plan With your Anthem plan, you get access 1. Go to anthem.com/find-doctor to a large network of doctors across the 2. Choose your search: country — so you have more choices • Search as a Member: Use your member ID card number when selecting your PCP. Finding an in- or log in with a username and password. network PCP is easier with our online tools. You can search for a doctor by • Search as a Guest: Select a plan or network,* or search name or look for one near you. Avoid by all plans and networks, to get started. getting care from doctors outside your 3. Select a type of doctor and location or search within plan because it will likely cost you more, a certain distance of your location. or your plan may not cover it at all. Page 11 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Anthem’s iPhone & Android App Sydney All Your Health Plan Information in One Place Find Care & Check Costs – It’s easy to search for doctors, dentists, hospitals, labs and other providers in your plan. You can search by name, location and type of care. You can even filter by gender or languages spoken, then check costs before you go. Digital ID Cards - You can always have your most current ID card handy. And you can use it just like a paper one when you visit the doctor, dentist, pay for care and more. Interactive Chat - Simply type your questions in the app and get answers quickly. Sydney can suggest resources to help you understand your benefits, improve your health, and save money. Benefit Plan Overview - Sydney shows you essential information at-a-glance, whether that’s an overview of your plan, health reminders, or suggestions for wellness programs. You also can find your deductible, copay and . share of costs View Claims - With one click, you can check claims. That means you can spend more time focused on your health and less on managing your health benefits. Check Health Records - myFHR gives you easy access to your health data, including health history and electronic medical records, all in one place. Availability is based on your plan. Page 12 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Earn $200 Wellbeing Solutions Focus on Your Wellbeing & Earn Rewards up to $200 The more activities you complete, the greater your reward. The Wellbeing Solutions program connects you with easy- to-use digital health and wellness tools that can help you stay your best. When you complete any of the activities listed below sponsored by your employer, you’ll earn rewards to put toward an account deposit. You choose the activities you’d like to complete to receive the maximum of $200 in rewards. Activities Amount Annual preventive wellness or well-woman $25 e exam with your doctor r Annual cholesterol test $20 e Ca v Colorectal cancer screening $25 i t en Routine mammogram $25 ev r Annual eye exam $25 P Get an annual flu shot $20 ConditionCare: Work one-on-one with your health coach and earn rewards for Up to $50 nt participating in and completing the program e Future Moms: Moms-to-be can receive m e support from a registered nurse and earn g rewards for completing initial, interim, and Up to $40 na a postpartum assessments n M Well-being Coach: Weight Management: o i Receive one-on-one coaching by phone as $25 t i you complete your goal to earn a reward nd o C Well-being Coach — Tobacco Cessation: Receive one-on-one coaching by phone as $25 you complete your goal to earn a reward Log in to your Anthem account $5 s Connect a fitness or lifestyle device $5 s • To view your rewards, open the Sydney Health app or e Complete a health assessment $20 go to anthem.com. Next, go to My Health lln e Complete action plans around eating healthy, Up to $25 Dashboard. W weight management, and physical activity • Select My Rewards. l & a Track your steps Up to $60 it • Select Redeem Rewards to see how much you’ve ig Complete Well-being Coach digital daily D check-ins Up to $20 earned. Use your rewards toward an account deposit. Update your contact information $10 Page 13 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Explore your plan’s powerfulbenefits HerearetheWellbeingSolutionsprogramsyoucanexploreatSydney Health>MyHealth Dashboard>Programs Managing your everyday health: Managing specific conditions: 24/7 NurseLine Autism Spectrum Disorder Program Talk to a registered nurse at any time to receive Receive support for a covered family member with an answers or advice on any immediate care questions autism spectrum disorder. A licensed behavior analyst can for you or your family. A nurse can also connect you help you navigate the healthcare system and address any to other wellbeing programs that are part of your unique family challenges. We focus on the whole family plan. and work with all of you to understand and access Behavioral Health Case Management available care. If you’re trying to manage a behavioral health condition, you don’t have to do it alone. Our Health Assessment behavioral health case managers are licensed mental Complete your health assessment to receive your health professionals. They provide strong support personalized report. Know what’s going well and if there and guidance for you and your family to help are any at-risk areas you need to work on to improve your improve your quality of life. health. Case Management ConditionCare After an illness or hospitalization, you can receive Receive one-on-one support from a healthcare personalized support and care coordination from a professional for a chronic condition, like asthma or team of medical professionals. They will guide you diabetes, to help you reach your health goals. We may call when you have to make decisions about your care, you to find out if ConditionCare would be a good fit for set up appointments, understand costs, and go your needs. through the healing process. Emotional Wellbeing Resources Building Healthy Families You have the support you need to develop Access screenings, tools, and trackers for preconception/ resilience, reduce stress, and practice mindfulness. fertility, pregnancy, and children through age five (and Digital tools help you identify thoughts and beyond). We offer a digital program that’s available 24/7 behavior patterns that affect your emotional through our Sydney Health mobile app. You also have wellbeing. Through online programs and access to an extensive content library that covers topics to personalized coaching, you’ll learn effective ways to support diverse families on their path to parenthood, manage stress, anxiety, depression, substance use, including single parents and same-sex or multicultural and sleep issues. couples. MyHealthAdvantage We’re glad to supportyou We provide you with a confidential health summary With Wellbeing Solutions, you can continueyour that includes money-saving tips, prescription drug path to whole-person health knowing you have updates, reminders for checkups, tests, and exams, the care andsupport to help you with each step. If lists of claims and prescriptions, and general health you have any questions, call the Member Services tips. Choose Suggestions in the Secure Message number on your IDcard. Center on Sydney Health or anthem.com Sydney Health is offered through an arrangement with CareMarket, Inc., a separate company offering mobile application services on behalf of Anthem Blue Cross and Blue Shield ©2021-2022. Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. Copies of Colorado network access plans are available on request from member services or can be obtained by going to anthem.com/co/networkaccess. In Connecticut: Anthem Health Plans, Inc. In Georgia: Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWI), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. Anthem is a registered trademark of Anthem Insurance Companies, Inc. Page 14 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

2025 Health Savings Account To qualify for an HSA, you must meet the following requirements, as defined by the IRS: A Health Savings Account (HSA) is a consumer-oriented, tax- • You must be covered under a advantaged savings account that is always combined with a Consumer Driven Health Plan Consumer Driven Health Plan (CDHP). • You have no other health coverage except what is permitted by the IRS HSA earnings grow tax-deferred and qualified withdrawals are • You are not enrolled in Medicare tax-free without “use it or lose it”. Money not used in your • You cannot be claimed as a dependent Health Savings Account can be rolled over to the following on someone else’s tax return year. HSA funds can be used for all qualified medical expenses, If You Will Be Turning 65 including medical services, as well as eyeglasses, dental Active employees turning 65 have the procedures, prescription drug coverage and over-the-counter option to accept or decline enrollment in medications provided you submit a prescription from your Medicare, including Medicare Part A. provider. See IRS Publication 969 for more information and a listing of Qualified Eligible Expenses at www.irs.gov. • Employees who accept enrollment in any IRS 2025 Maximum Contributions part of Medicare are no longer eligible to make or receive contributions to an HSA. IRS Max Contributions IRS Post Age 55 “Catch-up” • If you elect Medicare at age 65, your m aximum HSA contribution for the year Employee $4,300 $1,000 you elect will be prorated by the number of months you were not enrolled in Family $8,550 $1,000 Medicare. • Employees who decline enrollment may continue to make and receive Your UMB Health Savings Account (HSA) is an excellent tool for contributions to an HSA. managing your health, your family's health and your financial • Qualified distributions remain tax-free health. The UMB HSA allows you to pay for your current regardless of your eligibility to contribute. healthcare expenses or to save monthly for future qualified • Non-qualified distributions are taxable but expenses. Opening your UMB HSA is easy. You can complete all no longer carry a 20% penalty after age 65. your enrollment forms online. • Medicare Part(s) A, B, D and Medicare MO premiums may be paid or H reimbursed with tax-free HSA dollars. You How Should You Manage Your HSA? cannot use your HSA to pay for Medigap • Contributions can be made with pre-t premiums. ax money through payroll deductions, or contributions can be made post-tax For questions regarding how to and then deducted from your income when you file your manage your HSA or when to stop income tax return. contributing, reach out to Human • Funds should be limited to qualified medical expenses Resources. • Keep receipts documenting medical expenses Page 15 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Your UMB Health Savings Account (HSA) UnitedHealthcare Choice Plus Network Your UMB Health Savings Account (HSA) is an excellent tool for managing your health, your family’s health, and your financial health. The UMB HSA allows you to pay for your current healthcare expenses or to save money for future qualified expenses. Opening your UMB HSA is easy. You can complete all your enrollment forms online. Online Enrollment: With online enrollment, you can Next Steps: After you enroll, you will receive your open your UMB HSA in the comfort of your own home account number and debit card(s) in the mail within 5 or anywhere you have access to the internet. to 7 business days. You will also receive a separate mailing with your ATM Personal Identification Number You can begin enrollment at HSA.UMB.COM (the first (PIN). time you will need to click, “Open an HSA” under the When your card(s) and PIN(s) are received log back into individual tab and enter THA0001 ~ 141525). your online account can manage your account. Once you With online access you can check your HSA balance, are enrolled, UMB offers a Deposit Account and the UMB account activity, and recent card purchases. You’ll need HSA Saver® investment option. You are automatically to verify who you are the first time you access this site. enrolled in the Deposit Account, where you can elect the Have your HSA debit card or your account number investment option after you meet the eligibility handy (it’s shown the right). requirements, as described on the website. It’s your Contributions to your UMB HSA Account: choice, your UMB HSA! Employees may make pre-tax contributions through 1. HSA Base Account. This FDIC-insured account pays payroll deductions, and anyone can contribute post- tiered interest rates based on your balance in the tax funds by using the HSA account. Contribution Form or by selecting “Make a Contribution” to electronically transfer funds from your 2. UMB HSA Saver Investment Option. This option personal bank account to your UMB HSA through the allows you to invest in various mutual fund offerings. secure online HSA website. Accessing HSA Funds: You will be able to access your HSA funds by using your health care Visa debit card to pay for qualified medical expenses. If you use another form of payment, you may reimburse yourself from your UMB HSA by logging in to your account and selecting reimbursement tool. This allows you to transfer money out of your HSA and into a personal bank account. IMPORTANT: Keep receipts for all expenses you use your UMB HSA to pay! HELPFUL TIPS: Raise the amount you contribute annually to get to the maximum allowed by the IRS. When possible, pay out-of-pocket to allow money to grow in your HSA. Have Questions? Contact Customer Services at 1-866-520-4HSA (4472) Monday through Friday from 8:00 AM to 8:30 PM EST and Saturday from 9:00 AM to 6:00 PM EST. Or to access your account online visit hsa.umb.com . Page 16 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Dental & Vision Benefit Summary Dental Plan Vision Plan Annual Deductible IN-Network/Out-of-Network In-Network Out-Of- Network Individual $50 Routine Eye Exam - (once every 12 months) Family $150 $10 copay $42 allowance (once every 24 months) Annual Plan Maximum $1,000 Frames - Orthodontia Lifetime $1,000 $130 allowance Maximum then 20% off any $45 allowance Preventive/ Diagnostic Care remaining Includes: routine oral exams, balance cleanings, fluoride treatment You Pay 0% / 0% Standard Plastic Lenses - (once every 12 months) sealants (through 18), x-rays Basic Dental Services Single vision (1 pair) $25 copay $40 allowance Includes: fillings, consultations, You Pay 10% / 20% Bifocal lenses (1 pair) $25 copay $60 allowance space maintainers, brush biopsy, Trifocal lenses (1 pair) $25 copay $80 allowance endodontics, extractions Major Dental Services Contact Lenses - (once every 12 months instead of eye glass lenses) Includes:, dentures, bridges, You Pay 40% / 50% implants, periodontics (surgical & Elective (disposable) $130 allowance $105 allowance non-surgical) Orthodontia for Children up Elective (non- $130 allowance $105 allowance to age 19 You Pay 50% / 50% disposable) plus 15% off remaining Provider Directory: www.anthem.com balance Anthem Dental benefits listed above are shown In- Non-Elective Covered in full $210 allowance Network. See full plan details for Provider Directory: www.anthem.com description and Out-of-Network Coverage details. Allowances must be used on transaction Network –Anthem Dental offers network Network – Anthem Blue View Vision coverage with balance billing. You may provides you with the option to go to any go to any dentist however, if you go to eye doctor. However, if you go to an an Anthem Dental in-network provider Anthem blue View Vision network provider you will usually pay less. To search for you will usually pay less. To search for in- in-network vision providers, visit network vision providers, visit www.anthem.com or search for www.anthem.com or search for providers providers using the Sydney Health app. using the Sydney Health app. Page 17 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Basic Group Term and Voluntary Life & AD&D Basic Life and AD&D Voluntary Life and AD&D Employee Benefit 1 times Annual Salary Employees elect in $10,000 Amount +$10,000 Employee Benefit increments from $10,000 to $500,000 Maximum Benefit Employee $10,000 Amount $310,000 Minimum Benefit 1 times Annual Salary Employee Lesser of 5 times annual AD&D Benefit +$10,000 Maximum Benefit compensation or $500,000 The following shows how much benefits are Employee $150,000 reduced at certain ages: Guarantee Issue Spouse Benefit Elect in $5,000, up to Age Benefit Reduced (requires employee $250,000, not to exceed election) 100% of employee amount 65 to 65% Spouse $30,000 70 to 50% Guarantee Issue Child Benefit $5,000 or $10,000 st (requires employee Note that reductions are effective March 1 election) after 65th & 70th birthday. Child $10,000 Basic Group Term Life Insurance Guarantee Issue is provided at no cost to you. The following shows how much benefits are reduced at certain ages: Age Benefit Reduced 65 to 65% 70 to 50% Voluntary Life and AD&D Notes: st • Reductions are effective March 1 after employee’s birthday. Your cost, which is based on your age and benefit volume, will be available in PlanSource when you login to enroll. • Voluntary AD&D coverage: Benefit is automatically added for all employees and spouses who elect Voluntary Life coverage; the AD&D amount is the same as the elected Voluntary Life amount. • New Voluntary Life elections, less than the guaranteed issue (GI) amount, or STD/LTD elections, elections, made during the 2025-26 open enrollment period, do not require evidence of insurability. • New voluntary life elections or increases to current elections, over the GI amounts, will require an Evidence of Insurability (EOI) Application and approval by New York Life. A link to the EOI application will be emailed to you if it is determined that your election requires an EOI Application. Reach out to SMBO or HR with questions. Page 18 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Voluntary Short-Term & Long-Term Disability and 401(k) Voluntary Short-Term Disability Voluntary Long-Term Disability Voluntary Short-Term Disability Voluntary Long-Term Disability Weekly Benefit Percentage 60% of Weekly Earnings Monthly Benefit Percentage 60% of Monthly Earnings Max/Min Weekly Benefit $600/$50 Max/Min Monthly Benefit $5,000/10% or $100 Benefits Begin: Benefits Begin: For Sickness 31st day of disability For Sickness 181st day of disability For Accident 31st day of disability For Accident 181st day of disability Benefit Duration 22 weeks Benefit Duration Social Security Normal Retirement Age Pre-Existing Condition 3/12* Pre-Existing Condition 3/12* Disability benefits protect your income during a Disability benefits protect your income during a period in which you are unable to work because of an period in which you are unable to work because of illness or accident not related to your job. an illness or accident not related to your job. * Pre-existing Condition Limitation - Benefits are not payable for medical conditions for which you incurred expenses, took prescription drugs, received medical treatment, care or services (including diagnostic measures), or for which a reasonable person would have consulted a physician during the 3 months just prior to the most recent effective date of insurance. Benefits are not payable for any disability resulting from a pre-existing condition unless the disability occurs after you have been insured under this plan for at least 12 months after your most recent effective date of insurance. Additional Benefits Voluntary 401(k) Additional NYL Benefits : Health Advocacy, Clinical Services, Senior Care & Special Needs Services, benefits and claims administrative services, Financial Support Services, MedicalBill Saver, Family Survivor. Duncan Supply also provides: • 401(k) plan • Company funded Pension (Duncan Supply Security Plan) • Elective supplemental insurances and wellness incentives. For questions or more information please contract Human Resources. Page 19 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Worksite Benefits from Allstate UnitedHealthcare Choice Plus Network The health and financial security of you and your family is important to us. Our benefit program provides a variety of elective worksite plans that can enhance the lives of you and your family – both now and in the future. As an eligible employee, you will be asked to make decisions about the employee benefits described in this booklet. This booklet provides information to enable you to effectively enroll in your benefits. You can also call the Duncan Supply Benefits Call Center, 888-598-2040, for more information. Please take time to the available resources and ensure you make the decisions that are right for you and your family. Group Voluntary Cancer (GVCP3): Facing a cancer diagnosis Group Voluntary Accident with OPH (GVAP6): can be overwhelming. Cancer insurance from Allstate Benefits Accidents can strike at any time and can be costly. If can help cover expenses from diagnosis through recovery. Our you suffer a covered injury on- or off-the-job, coverage pays you a cash benefit for Cancer and 29 specified Accident insurance from Allstate Benefits can help diseases to use however you choose, helping to protect your offset unexpected expenses not covered by your finances and empowering you to seek the care you need. And, medical insurance. We pay cash benefits directly to because Cancer insurance is supplemental, it pays in addition you to be used however you choose. And, because to other coverage you may already have in place. Accident insurance is supplemental, it pays in With Cancer Insurance from Allstate Benefits: addition to other coverage you may already have in • Additional protection is available with coverage for place. your entire family With Accident Insurance from Allstate Benefits: • Affordable premiums are conveniently deducted from • Coverage is Guaranteed Issue, at initial enrollment your paycheck subject to pre-existing condition limitations if • We waive premiums should you become disabled for applicable 90 days due to cancer, payable as long as your • Coverage is available for spouse and children disability lasts (employee only) • Affordable premiums are conveniently payroll deducted Benefits include: Optional Benefits • You can take the coverage with you if you leave your • Hospital Confinement available: job or your employer cancels your coverage • Radiation/Chemotherapy • Wellness Benefits include: • Surgery and Related Benefits • Cancer Initial Diagnosis • Initial Hospital Confinement • Miscellaneous Benefits • Intensive Care (ICU) • Daily Hospital Confinement • Intensive Care Optional Rider Available: Cancer Initial Diagnosis Additional Riders available: Progressive Benefit Rider • Accident Treatment and Urgent Care • Dislocation and Fracture • Emergency Room Services Optional Riders available: Have Questions? Contact the Duncan Supply • Outpatient Physician’s Treatment for Accident and Benefit Call Center at 1-888-598-2040 Monday • Preventive Care through Friday 8:00 AM to 6:00 PM EST or access more • Accidental Death, Dismemberment and Functional Loss information on the website at Available Benefit Enhancement Rider includes benefits www.duncansupplybenefits.com . for burns, lacerations, general anesthesia, physical therapy and more. Page 20 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Worksite Benefits from Allstate (continued) UnitedHealthcare Choice Plus Network Group Voluntary Disability Income (GVDIP/MyLifeline): An Hospital Indemnity (GIM2): Unexpected hospital visits lead to injury or illness may slow you down, but it won’t slow down unexpected expenses. Hospital Indemnity insurance from your bills. If you find yourself unable to work due to a covered Allstate Benefits can help offset costly medical bills by paying a sickness or off-the-job injury, Disability Insurance from Allstate cash benefit if you have a covered inpatient hospital stay. You Benefits can help. Our coverage pays a monthly cash benefit, can use the money towards deductibles, copays, premiums and giving you peace of mind knowing you’ll have income to help even daily living expenses. Because Hospital Indemnity keep your bills covered. And, because Disability insurance is insurance is supplemental, it pays in addition to other coverage supplemental, it pays in addition to other coverage you may you may already have in place. Plus, it works well with your already have in place. major medical plan, helping to close gaps in your coverage. With Disability Insurance from Allstate Benefits: With Hospital Indemnity Insurance from Allstate Benefits: • You choose the monthly benefit level that meets your needs • Coverage is Guaranteed Issue, at initial enrollment subject • Affordable premiums are conveniently payroll deducted to pre-existing condition limitations if applicable • You may be able to take the coverage with you if you leave • Coverage is available for spouse and children your job or your employer cancels your coverage • Affordable premiums are conveniently payroll deducted Benefits include: Additional Rider Benefits available: • You may be able to take the coverage with you if you leave • Total Disability • Survivor and Accident your job or your employer cancels your coverage. • Partial Disability • Family Medical Leave & Doula Hospitalization Benefits Optional Benefits available: • Pregnancy Services include: • First Day Hospital • Organ Donation • Increasing Benefit Period • Daily Hospital Confinement • Waiver of Premium • On-the-Job Accident Disability Confinement • Hospital Intensive Care Please note: Benefits are not paid for emergency room treatment or outpatient procedures. Group Voluntary Critical Illness 4 w/Fixed Wellness (GVCIP4): Facing a serious illness can be life-changing and costly. It can also mean time without a paycheck and unexpected expenses not covered by your health insurance. Critical Illness insurance from Allstate Benefits can help close the gaps in your major medical coverage while paying you cash to use however you choose if you are diagnosed with a covered illness. And, because Critical Illness insurance is supplemental, it pays in addition to other coverage you may already have in place. Let us protect your finances so you can focus on recovery. With Critical Illness Insurance from Allstate Benefits: Cancer Critical Illness Reoccurrence of Critical • Coverage is Guaranteed Issue, at initial enrollment subject to Benefits include: Illness Benefits include: pre-existing condition limitations if applicable • Carcinoma in Situ • Initial Critical Illness • Coverage is available for children or family • Invasive Cancer • Cancer Critical Illness • Affordable premiums are conveniently payroll deducted Additional Rider Benefits available: • You can take the coverage with you if you leave your job or • Skin Cancer your employer cancels your coverage • Cardiopulmonary Enhancement Initial Critical Illness Benefits include: • Lifestyle Enhancement • Heart Attack • Second Evaluation, Transportation and Lodging • Stroke • Supplemental Critical Illness with or without HIV • End Stage Renal Failure • Specified Chronic Illness • Major Organ Transplant • Specified Chronic Illness or injury • Coronary Artery Bypass Surgery • Fixed Wellness • Waiver of Premium (Employee only) Page 21 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

New York Life Group Benefit Solutions & Health Advocacy Services Support when you need it – NYL & Health Advocate What is New York Life Group Benefit Solutions (NYL GBS) Health Advocacy Services? NYL GBS Health Advocacy Services provides access to expert assistance with a wide range of healthcare and health insurance challenges. Included with your NYL GBS offering are valuable health advocacy services to help you and your family members (including spouse, dependent children, parents and parents-in-law) resolve many of the healthcare, health insurance or medical bill challenges they may face. Health advocacy services link you with clinicians and insurance professionals who are experienced in a range of clinical, health benefits and administrative issues. Personal Health Advocates know the “ins and outs” of the healthcare and health insurance worlds and are supported by medical directors and other clinical and benefits specialists. These services are available anywhere in the United States. Clinical services Personal Health Advocates are available Monday through Friday Personal Health Advocates provide clinical and between 8:00 am and 12 midnight EST at a dedicated NYLGBS toll-free administrative support for many types of healthcare, number: (866) 799-2725. Resources are available by phone 24/7 at the benefits or medical bill issues. The Personal Health same toll-free number and a Personal Health Advocate will reach out to Advocate may: the caller the next business day. Services include but are not limited to • Answer questions and provide information and those described above. resources about medical terms, tests, medications and treatments. • Help members identify primary and specialist • Assist with all types of prescription drug issues including formulary physicians, hospitals, dentists and related and benefit questions, information on generics, obtaining mail order, healthcare providers (first focus is on network or locating lower-cost sources for prescription drugs that are not relationships to help customers use their benefits covered by the customer’s health care plan. to their best advantage). • Arrange for home care, home equipment, etc. following discharge • Locate doctors for second opinions and help from the hospital. arrange appointments and research questions about • Coordinate hospice, home care and other services for terminally ill diagnoses, treatments and available support individuals. systems. • Identify and coordinate a range of services including acupuncture, • Help customers with rare or complex medical chiropractic care, massage therapy, cosmetic practitioners, etc. Any conditions identify top medical institutions and money paid by the participant are backed by a six-month money- specialized medical programs across the country back guarantee if the coaching does not save them more money and help schedule appointments and research than they have paid. If at any time within the first six months of paid transportation and lodging where necessary. membership, the participant had at least three consultations with a • Facilitate the transfer of medical records, X-rays and My Secure Advantage (MSA) Health Coach and finds that the lab results prior to a scheduled appointment with a program has not produced more financial value than the cost of the new physician. program, the participant is entitled to a full refund of fees paid. • Coordinate and help schedule diagnostic tests. • Arrange evaluation for and participation in clinical trials. Page 22 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

More about New York Life Group Benefit Solutions (NYL GBS) Health Advocacy Services? Senior care and special needs services The Personal Health Advocate may assist with senior care and special needs services to locate: •Eldercare facilities, group homes, nursing homes, adult day care, etc. •Homemakers, home health aides, private duty nurses, rehabilitation services. •Physicians who make house calls for people who cannot easily get to the doctor’s office. •Autism spectrum disorder-related in-home, school- and community-based services, treatment centers, day camps and ASD-friendly doctors, dentists, hair dressers, etc. •Find the right doctors and specialists and schedule appointments. •Answer questions about their insurance plan, test results, treatments and medications. Administrative support services – benefits and claims NYL GBS Health Advocacy Services also includes assistance with medical, dental and vision benefit claims. The Personal Health Advocate may: •Provide information and assistance regarding benefits, coverage, eligibility, claims and related paperwork. •Assist with preauthorization and predetermination process. •Assist with transition from out-of-network to in-network providers. •Help with eligibility, denials, and incorrectly applied provider coding deductibles and co-pays. •Help resolve incorrect plan procedure interpretations, such as emergency room claims denied for a lack of pre- certification. •Help resolve questions about whether services are condition-specific or related to preventive care. •Help resolve coordination of benefits disputes between multiple carriers. •Help obtain referrals for required services. •Locate in-network suppliers and obtaining plan approval for the use of out-of-network suppliers for necessary healthcare equipment and supplies that are not available from in-network suppliers. •Help customers understand the process for obtaining coverage for medical equipment, devices, supplies (e.g., hearing aids, diabetic supplies, compression stockings, etc.). •Help customers through the review and appeals process, including if necessary filing grievances, gathering supporting documentation, writing appeal letters and participating with the customer during a conference or review. This service does not include legal advice or representation, which only an attorney can provide. Financial support services NYL GBS Health Advocacy Services also helps customers to get the most out of their health care benefits. Personal Health Advocates may: •Counsel customers regarding current benefit costs and the cost of alternative approaches. •Provide comparative cost estimates for the service in question. •Negotiate fees with healthcare providers prior to services to lower the customer’s out-of-pocket costs. •Review questionable bills to catch duplicate or erroneous charges. •Provide zip-code based cost estimates for common medical services and procedures. •Conduct initial investigation of medical bills to ascertain the customer’s true out-of-pocket responsibility for the remaining balance. Page 23 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

More about New York Life Group Benefit Solutions (NYL GBS) Health Advocacy Services? Medical Bill Saver scope of services Once the Personal Health Advocate completes a bill investigation and determines the true customer out-of-pocket responsibility on non-covered medical bills over $400, Medical Bill Saver negotiation specialists work with health care professionals to negotiate a discount for customers, helping to reduce their out-of-pocket costs. Using fee benchmarking databases, critical pricing trend information, including provider specialty, procedure type and geographic region, the Personal Health Advocate will: •Negotiate with physicians, dentists, hospitals, surgery centers and other health service providers. •Provide a written summary of the outcome of the negotiation, and the applicable terms and conditions of payment to the provider. •Secure written provider sign-off on the terms and conditions negotiated on the customer’s behalf. •Provide customer education to clarify overall health plan and how to get the most out of their benefits and maximize savings by using in-network providers. Exclusions and limitations 1. Health advocacy services are not insurance, and this program does not provide reimbursement for financial losses. 2. Health advocacy services are not medical care, and neither NYL GBS nor Health Advocate, Inc. provide or recommend medical care or treatment. 3. Only covered employees and their family members (spouse/domestic partner, dependent children, parents and parents-in-law) are eligible for health advocacy services. 4. Neither Health Advocate, Inc. nor NYL GBS guarantees that Health Advocate’s intervention on behalf of the covered employee or family member will result in a particular outcome or that Health Advocate’s efforts on their behalf will lead to a result satisfactory to the covered employee or family member. 5. Health advocacy services are not performed on behalf of any health care plan, and neither NYL GBS nor Health Advocate, Inc., in connection with these services, acts as a business associate under the Health Insurance Portability and Accountability Act of 1996 (HIPAA) or its regulations. 6. Health advocacy services are provided under a contract with Health Advocate, Inc. and will be provided while NYL GBS is providing life or disability insurance or services to you for your employees, and while the contract between NYL GBS and Health Advocate, Inc. is in effect. 7. NYL GBS and Health Advocate, Inc. reserve the right to make changes in the services provided to the extent necessary to comply with applicable laws or regulations. 8. Neither NYL GBS nor Health Advocate, Inc. will have any liability for delay or non-fulfillment of services resulting from acts not within either party’s control, including but not limited to acts of God, war, riots, civil disturbances, strikes, accident, fire, transportation conditions, labor and/or material shortages, governmental controls, regulations and permits, and/or embargoes. Personal Health Advocates are available Monday through Friday between 8:00 am and 12 midnight EST at a dedicated NYLGBS toll-free number: (866) 799-2725. Resources are available by phone 24/7 at the same toll-free number and a Personal Health Advocate will reach out to the caller the next business day. Services include but are not limited to those described on the pages above. Page 24 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Putting Benefits To Work For PeopleSM Whatever life throws at you, throw it our way Employee Assistance & Wellness Support Life: just when you think you’ve got it figured out, along comes a challenge. Whether your needs are big or small, 1 New York Life Group Benefit Solutions is there for you with our Employee Assistance & Wellness Support program. It can help eligible policyholders and members of your household find solutions and restore your peace of mind. This is just another example of how we are committed to Putting Benefits To Work For PeopleSM. Our suite of value-add resources includes: Employee Are you feeling overwhelmed by the demands of balancing work and family life? Maybe Assistance you have questions about a legal or financial concern. You and your family members now 1 Program have access to various counseling services including legal, financial, and work-life balance assistance. All counseling calls are answered by a Master’s or PhD-level counselor who will collect some general information and will discuss your needs. The Employee Assistance Program provides a maximum of three sessions, per issue, per year. Guidance When you need information quickly to help handle life’s challenges, you can visit ®1 Resources guidanceresources.com for resources and tools on topics such as health and wellness, legal regulations, family and relationships, work and education, money and investments, moving services and resources, and home and auto. You will also have access to articles, podcasts, videos, slideshows, on-demand trainings, and “Ask the Expert” which provides personal responses to your questions. Well-being Sometimes you may need help with personal challenges and physical issues that can be 1 Coaching overwhelming. To help you achieve your goals, you will have access to a certified coach who will work with you, one-on-one, to address health and well-being issues such as burnout, weight loss, time management, and coping with stress. You have access to five sessions per year. All sessions are conducted telephonically. Contact Information 24/7 — Employee Assistance and Wellness Support Phone: (800) 344-9752 Website: guidanceresources.com First time visitor? Click “Register” and enter “NYLGBS” as the Organization Web ID.

Full-circle care for your journey through loss New York Life has partnered with Empathy to provide you and your family with the guidance � @} Identity Theft you need to get through the challenging weeks PreYent& detecifr1ud and months ahead. 5z fk From settling the estate to dealing with grief, Closing Accounts SusÅriptions canceledforoî Empathy's personalized, tech-enabled assistance � and human support help beneficiaries handle the = @) Family Hub practical, logistical and emotional challenges that Invite others to loss brings. We help ease the burden, so you can pay attention to the things that matter most. " � 24/7 real-time Emotional support Automated tools that Probate and estate take care of tasks on settlement guidance and guidance for assistance from our dealing w1th grief your behalf Care Managers and resources Access your complimentary account Register online at join.empathy.com/nyl-gbs-reg Or call (201) 701-2245 to be connected with our Care Team Empathy is not affiliated with New York Life Insurance Company or any subsidiaries and provides this service at no cost to you. The use of this service is optional. This program is not available under policies issued by New York Life Group Insurance Company of NY. New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America and New York Life Group Insurance Company of NY, subsidiaries of New York Life Insurance Company. NEW YORK LIFE and NEW YORK LIFE Box Logo are registered trademarks of New York Life Insurance Company.

Notes Date: Page 27 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.

Contact Information Important Contact 01 Medical Website Anthem Blue Access Information: www.anthem.com Please utilize the website resources for provider information, pharmacy information, and general 02 Dental Website claims information. Anthem The Customer Service phone numbers can assist www.anthem.com you with benefits and specific claims questions. 03 Vision Website Anthem Blue View Vision www.anthem.com Basic Group Term Life/AD&D 04 Voluntary Life & AD&D Additional education New York Life pieces and resources are https://www.mynylgbs.com/auth/employee- available. Talk to Human benefits/login Resources for more information. 05 Short- & Long-Term Disability New York Life https://www.mynylgbs.com/auth/employee- benefits/login NYL Health Advocacy Services 06 Phone Toll Free: (866) 799-2725 Monday - Friday 8:00am - 12 midnight EST UMB Health Savings Accounts 07 Creating an account? Use code THA00001~141525 hsa.umb.com | 1-866-520-4HSA (4472) Duncan Supply Benefits Call Center* 08 www.duncansupplybenefits.com Phone 888-598-2040 Monday – Friday 8:00am – 6:00pm EST *Contact HR or the Benefits Call Center for Questions regarding products and policies with Allstate. Page 28 | Duncan Supply Company, Inc.| Plan Year 2025 Open Enrollment This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.