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:

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. 2025-26 Plan Year Details Open Enrollment • Dental Plan carrier – Anthem Dental Network • Employee premiums remain the same. Dental Plan • Vision Plan carrier – Anthem Blue View Vision • Employee premiums remain the same. Vision Plan • Medical Plan carrier – Anthem Blue Access Network • Slight increase in employee premiums. • Mandated increase in deductibles for HSA plan. Medical Plan 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. Life and Disability • Life & Disability carrier – New York Life & Allstate • Anthem life, STD & LTD coverages will move to New Your Life. • Opportunity to elect Life and Disability coverages or increase Voluntary Life coverages up to guarantee issue limit without EOI. • Anthem Engage 200 • Download & register on the Anthem Sydney app • Participate in Wellbeing Solutions activities and health coaching • Receive electronic gift card rewards up to $200 annually Health Advocate & Wellbeing Solutions Worksite Benefits & Call Center • Accident, Critical Illness, EAP, Health Advocacy and more … • Carriers – Allstate and New York Life • Allstate products require EOI for late entrants in Cancer & STD • Health Advocate and EAP through New York Life

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. 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 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. 01 02 03 Enroll directly over the phone! Phone Enrollment 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

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. 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) ENROLL, CHANGE, OR DECLINE BENEFIT OPTIONS Complete the enrollment steps to shop for benefits. After completing each screen, click UPDATE CART. CHECKOUT 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. 01 02 03 You also have the option to self-enroll In Your Benefits Online. Online Enrollment

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. Benefit Highlights 2 0 2 5 - 2 6 P L A N Y E A R D E T A I L S 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. 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. 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. • Change in a child’s dependent status • Death of a spouse, child, or other qualified dependent • Change in your spouse’s benefits or employment status 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 • Birth or adoption of a child

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. Dental & Vision Coverage Voluntary Dental (26 biweekly pays) Voluntary Vision (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 Coverage HSA (26 biweekly pays) PPO (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 Contributions Effective March 1, 2025 Employee Bi-Weekly Cost Medical

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 Medical Benefit Overview Medical & Prescription Drugs Insured by Anthem 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. 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.

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. 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 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. 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.

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. www.goodrx.com GoodRx offers a website and mobile app to compare prescription drug prices. Simply visit www.goodrx.com, enter the drug name, and GoodRx will show the cost at multiple pharmacies. You can then show the coupon to your pharmacist. Registration and an ID card are not required to use GoodRx. 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. Rx Tools www.RXHelpCenters.com RX Help Centers provide assistance in finding resources for high-cost brand name medications by advocating directly with drug manufacturers. Visit their website or call (866) 478-9593. When to Use Coupons The video below features a Pharmacist who explains why medications can be cheaper through services like GoodRx. It also compares whether using coupons for prescriptions is a better option or if it’s more beneficial in the long run to apply costs toward your deductible to meet your out-of- pocket maximum sooner. Watch online at lhdbenefits.com/rx-education/ Mark Cuban’s CostPlus Drug Company costplusdrugs.com The goal of the Mark Cuban Cost Plus Drug Company is to dramatically reduce the cost of drugs like Albendazole, but we also think that it is just as important to introduce transparency to the pricing of drugs, so patients know they are getting a fair price. Watch the video to the left to understand when it’s right for you to use this service.

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

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 Telehealth App No Waiting Room, No Need to Leave Home With your Anthem plan, you get access to a large network of doctors across the country — so you have more choices when selecting your PCP. Finding an in- network PCP is easier with our online tools. You can search for a doctor by name or look for one near you. Avoid getting care from doctors outside your plan because it will likely cost you more, or your plan may not cover it at all. 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. Finding a Primary Care Physician (PCP) In Your Plan 1. Go to anthem.com/find-doctor 2. Choose your search: • Search as a Member: Use your member ID card number or log in with a username and password. • Search as a Guest: Select a plan or network,* or search by all plans and networks, to get started. 3. Select a type of doctor and location or search within a certain distance of your location. 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 mental health visit. Visit livehealthonline.com or download the app and register on your phone or tablet.

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. 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 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. Wellbeing Solutions Earn $200 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 Preventive Care Annual preventive wellness or well-woman exam with your doctor $25 Annual cholesterol test $20 Colorectal cancer screening $25 Routine mammogram $25 Annual eye exam $25 Get an annual flu shot $20 Condition Management ConditionCare: Work one-on-one with your health coach and earn rewards for participating in and completing the program Up to $50 Future Moms: Moms-to-be can receive support from a registered nurse and earn rewards for completing initial, interim, and postpartum assessments Up to $40 Well-being Coach: Weight Management: Receive one-on-one coaching by phone as you complete your goal to earn a reward $25 Well-being Coach — Tobacco Cessation: Receive one-on-one coaching by phone as you complete your goal to earn a reward $25 Digital & Wellness Log in to your Anthem account $5 Connect a fitness or lifestyle device $5 Complete a health assessment $20 Complete action plans around eating healthy, weight management, and physical activity Up to $25 Track your steps Up to $60 Complete Well-being Coach digital daily check-ins Up to $20 Update your contact information $10 • To view your rewards, open the Sydney Health app or go to anthem.com. Next, go to My Health Dashboard. • Select My Rewards. • Select Redeem Rewards to see how much you’ve earned. Use your rewards toward an account deposit.

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. Explore your plan’s powerfulbenefits Here are the WellbeingSolutionsprogramsyoucanexploreat Sydney Health >MyHealth Dashboard>Programs Managing your everyday health: 24/7 NurseLine Talk to a registered nurse at any time to receive answers or advice on any immediate care questions for you or your family. A nurse can also connect you to other wellbeing programs that are part of your plan. Behavioral Health Case Management If you’re trying to manage a behavioral health condition, you don’t have to do it alone. Our behavioral health case managers are licensed mental health professionals. They provide strong support and guidance for you and your family to help improve your quality of life. Case Management After an illness or hospitalization, you can receive personalized support and care coordination from a team of medical professionals. They will guide you when you have to make decisions about your care, set up appointments, understand costs, and go through the healing process. Emotional Wellbeing Resources You have the support you need to develop resilience, reduce stress, and practice mindfulness. Digital tools help you identify thoughts and behavior patterns that affect your emotional wellbeing. Through online programs and personalized coaching, you’ll learn effective ways to manage stress, anxiety, depression, substance use, and sleep issues. Health Assessment Complete your health assessment to receive your personalized report. Know what’s going well and if there are any at-risk areas you need to work on to improve your health. MyHealth Advantage We provide you with a confidential health summary that includes money-saving tips, prescription drug updates, reminders for checkups, tests, and exams, lists of claims and prescriptions, and general health tips. Choose Suggestions in the Secure Message Center on Sydney Health or anthem.com Managing specific conditions: Autism Spectrum Disorder Program Receive support for a covered family member with an autism spectrum disorder. A licensed behavior analyst can help you navigate the healthcare system and address any unique family challenges. We focus on the whole family and work with all of you to understand and access available care. ConditionCare Receive one-on-one support from a healthcare professional for a chronic condition, like asthma or diabetes, to help you reach your health goals. We may call you to find out if ConditionCare would be a good fit for your needs. Building Healthy Families Access screenings, tools, and trackers for preconception/ fertility, pregnancy, and children through age five (and beyond). We offer a digital program that’s available 24/7 through our Sydney Health mobile app. You also have access to an extensive content library that covers topics to support diverse families on their path to parenthood, including single parents and same-sex or multicultural couples. We’re glad to support you With Wellbeing Solutions, you can continue your path to whole-person health knowing you have the care and support to help you with each step. If you have any questions, call the Member Services number on your IDcard. 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 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. IRS 2025 Maximum Contributions IRS Max Contributions IRS Post Age 55 “Catch-up” Employee $4,300 $1,000 Family $8,550 $1,000 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 monthly for future qualified expenses. Opening your UMB HSA is easy. You can complete all your enrollment forms online. A Health Savings Account (HSA) is a consumer-oriented, tax- advantaged savings account that is always combined with a Consumer Driven Health Plan (CDHP). HSA earnings grow tax-deferred and qualified withdrawals are tax-free without “use it or lose it”. Money not used in your Health Savings Account can be rolled over to the following year. HSA funds can be used for all qualified medical expenses, including medical services, as well as eyeglasses, dental procedures, prescription drug coverage and over-the-counter medications provided you submit a prescription from your provider. See IRS Publication 969 for more information and a listing of Qualified Eligible Expenses at www.irs.gov. To qualify for an HSA, you must meet the following requirements, as defined by the IRS: • You must be covered under a Consumer Driven Health Plan • You have no other health coverage except what is permitted by the IRS • You are not enrolled in Medicare • You cannot be claimed as a dependent on someone else’s tax return If You Will Be Turning 65 Active employees turning 65 have the option to accept or decline enrollment in Medicare, including Medicare Part A. • Employees who accept enrollment in any part of Medicare are no longer eligible to make or receive contributions to an HSA. • If you elect Medicare at age 65, your maximum HSA contribution for the year you elect will be prorated by the number of months you were not enrolled in Medicare. • Employees who decline enrollment may continue to make and receive contributions to an HSA. • Qualified distributions remain tax-free regardless of your eligibility to contribute. • Non-qualified distributions are taxable but no longer carry a 20% penalty after age 65. • Medicare Part(s) A, B, D and Medicare HMO premiums may be paid or reimbursed with tax-free HSA dollars. You cannot use your HSA to pay for Medigap premiums. 2025 Health Savings Account How Should You Manage Your HSA? • Contributions can be made with pre-tax money through payroll deductions, or contributions can be made post-tax and then deducted from your income when you file your income tax return. • Funds should be limited to qualified medical expenses • Keep receipts documenting medical expenses For questions regarding how to manage your HSA or when to stop contributing, reach out to Human Resources.

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. Your UMB Health Savings Account (HSA) 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 open your UMB HSA in the comfort of your own home or anywhere you have access to the internet. Next Steps: After you enroll, you will receive your account number and debit card(s) in the mail within 5 to 7 business days. You will also receive a separate mailing with your ATM Personal Identification Number (PIN). Contributions to your UMB HSA Account: Employees may make pre-tax contributions through payroll deductions, and anyone can contribute post- tax funds by using the HSA Contribution Form or by selecting “Make a Contribution” to electronically transfer funds from your personal bank account to your UMB HSA through the secure online HSA website. 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. You can begin enrollment at HSA.UMB.COM (the first time you will need to click, “Open an HSA” under the individual tab and enter THA0001 ~ 141525). With online access you can check your HSA balance, account activity, and recent card purchases. You’ll need to verify who you are the first time you access this site. Have your HSA debit card or your account number handy (it’s shown the right). When your card(s) and PIN(s) are received log back into your online account can manage your account. Once you are enrolled, UMB offers a Deposit Account and the UMB HSA Saver® investment option. You are automatically enrolled in the Deposit Account, where you can elect the investment option after you meet the eligibility requirements, as described on the website. It’s your choice, your UMB HSA! 1. HSA Base Account. This FDIC-insured account pays tiered interest rates based on your balance in the account. 2. UMB HSA Saver Investment Option. This option allows you to invest in various mutual fund offerings. 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.

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

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. Employee Benefit Amount 1 times Annual Salary +$10,000 Maximum Benefit Amount $310,000 AD&D Benefit 1 times Annual Salary +$10,000 The following shows how much benefits are reduced at certain ages: Age Benefit Reduced 65 to 65% 70 to 50% Note that reductions are effective March 1st after 65th & 70th birthday. Basic Group Term Life Insurance is provided at no cost to you. Employee Benefit Employees can choose benefit amounts in $10,000 increments from $10,000 to $500,000 Employee Minimum Benefit $10,000 Employee Maximum Benefit $500,000, not to exceed 5 times your annual salary Employee Guarantee Issue $100,000 Spouse Benefit (requires employee election) Increments of $5,000, up to $100,000, not to exceed 100% of employee amount Spouse Guarantee Issue $30,000 Child Benefit (requires employee election) $5,000 or $10,000 Child Guarantee Issue $10,000 The following shows how much benefits are reduced at certain ages: Age Benefit Reduced 65 to 65% 70 to 50% Basic Group Term and Voluntary Life & AD&D Basic Life and AD&D Voluntary Life and AD&D Voluntary Life and AD&D Notes: • Reductions are effective March 1st 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 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. Voluntary Long-Term Disability Voluntary Short-Term & Long-Term Disability and 401(k) Disability benefits protect your income during a period in which you are unable to work because of an illness or accident not related to your job. Voluntary Short-Term Disability Weekly Benefit Percentage 60% of Weekly Earnings Max/Min Weekly Benefit $600/$50 Benefits Begin: For Sickness 31st day of disability For Accident 31st day of disability Benefit Duration 22 weeks Pre-Existing Condition 3/12* Voluntary Long-Term Disability Monthly Benefit Percentage 60% of Monthly Earnings Max/Min Monthly Benefit $5,000/10% or $100 Benefits Begin: For Sickness 181st day of disability For Accident 181st day of disability Benefit Duration Social Security Normal Retirement Age Pre-Existing Condition 3/12* Voluntary Short-Term Disability Disability benefits protect your income during a period in which you are unable to work because of an illness or accident not related to your job. 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 and a Company funded Pension (Duncan Supply Security Plan) as well as several elective supplemental insurances and wellness incentives. For questions or more information please contract Human Resources. Additional Benefits * 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.

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 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 can be overwhelming. Cancer insurance from Allstate Benefits can help cover expenses from diagnosis through recovery. Our coverage pays you a cash benefit for Cancer and 29 specified diseases to use however you choose, helping to protect your finances and empowering you to seek the care you need. And, because Cancer insurance is supplemental, it pays in addition to other coverage you may already have in place. Group Voluntary Accident with OPH (GVAP6): Accidents can strike at any time and can be costly. If you suffer a covered injury on- or off-the-job, Accident insurance from Allstate Benefits can help offset unexpected expenses not covered by your medical insurance. We pay cash benefits directly to you to be used however you choose. And, because Accident insurance is supplemental, it pays in addition to other coverage you may already have in place. Have Questions? Contact the Duncan Supply Benefit Call Center at 1-888-598-2040 Monday through Friday 8:00 AM to 6:00 PM EST or access more information on the website at www.duncansupplybenefits.com . With Cancer Insurance from Allstate Benefits: • Additional protection is available with coverage for your entire family • Affordable premiums are conveniently deducted from your paycheck • We waive premiums should you become disabled for 90 days due to cancer, payable as long as your disability lasts (employee only) Benefits include: • Hospital Confinement • Radiation/Chemotherapy • Surgery and Related Benefits • Miscellaneous Benefits Optional Benefits available: • Wellness • Cancer Initial Diagnosis • Intensive Care (ICU) Optional Rider Available: Cancer Initial Diagnosis Progressive Benefit Rider With Accident Insurance from Allstate Benefits: • Coverage is Guaranteed Issue, at initial enrollment subject to pre-existing condition limitations if applicable • Coverage is available for spouse and children • Affordable premiums are conveniently payroll deducted • You can take the coverage with you if you leave your job or your employer cancels your coverage Benefits include: • Initial Hospital Confinement • Daily Hospital Confinement • Intensive Care Additional Riders available: • Accident Treatment and Urgent Care • Dislocation and Fracture • Emergency Room Services Optional Riders available: • Outpatient Physician’s Treatment for Accident and • Preventive Care • Accidental Death, Dismemberment and Functional Loss Available Benefit Enhancement Rider includes benefits for burns, lacerations, general anesthesia, physical therapy and more.

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. Worksite Benefits from Allstate (continued) 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. Hospital Indemnity (GIM2): Unexpected hospital visits lead to unexpected expenses. Hospital Indemnity insurance from Allstate Benefits can help offset costly medical bills by paying a cash benefit if you have a covered inpatient hospital stay. You can use the money towards deductibles, copays, premiums and even daily living expenses. Because Hospital Indemnity insurance is supplemental, it pays in addition to other coverage you may already have in place. Plus, it works well with your major medical plan, helping to close gaps in your coverage. Group Voluntary Disability Income (GVDIP/MyLifeline): An injury or illness may slow you down, but it won’t slow down your bills. If you find yourself unable to work due to a covered sickness or off-the-job injury, Disability Insurance from Allstate Benefits can help. Our coverage pays a monthly cash benefit, giving you peace of mind knowing you’ll have income to help keep your bills covered. And, because Disability insurance is supplemental, it pays in addition to other coverage you may already have in place. With Hospital Indemnity Insurance from Allstate Benefits: • Coverage is Guaranteed Issue, at initial enrollment subject to pre-existing condition limitations if applicable • Coverage is available for spouse and children • Affordable premiums are conveniently payroll deducted • You may be able to take the coverage with you if you leave your job or your employer cancels your coverage. With Disability Insurance from Allstate Benefits: • You choose the monthly benefit level that meets your needs • Affordable premiums are conveniently payroll deducted • You may be able to take the coverage with you if you leave your job or your employer cancels your coverage Benefits include: • Total Disability • Partial Disability • Pregnancy • Organ Donation • Waiver of Premium Additional Rider Benefits available: • Survivor and Accident • Family Medical Leave & Doula Services • Increasing Benefit Period • On-the-Job Accident Disability Hospitalization Benefits include: • Daily Hospital Confinement Please note: Benefits are not paid for emergency room treatment or outpatient procedures. Optional Benefits available: • First Day Hospital Confinement • Hospital Intensive Care With Critical Illness Insurance from Allstate Benefits: • Coverage is Guaranteed Issue, at initial enrollment subject to pre-existing condition limitations if applicable • Coverage is available for children or family • Affordable premiums are conveniently payroll deducted • You can take the coverage with you if you leave your job or your employer cancels your coverage Initial Critical Illness Benefits include: • Heart Attack • Stroke • End Stage Renal Failure • Major Organ Transplant • Coronary Artery Bypass Surgery • Waiver of Premium (Employee only) Cancer Critical Illness Benefits include: • Carcinoma in Situ • Invasive Cancer Reoccurrence of Critical Illness Benefits include: • Initial Critical Illness • Cancer Critical Illness Additional Rider Benefits available: • Skin Cancer • Cardiopulmonary Enhancement • Lifestyle Enhancement • Second Evaluation, Transportation and Lodging • Supplemental Critical Illness with or without HIV • Specified Chronic Illness • Specified Chronic Illness or injury • Fixed Wellness

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. 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 provide clinical and administrative support for many types of healthcare, benefits or medical bill issues. The Personal Health Advocate may: • Answer questions and provide information and resources about medical terms, tests, medications and treatments. • Help members identify primary and specialist physicians, hospitals, dentists and related healthcare providers (first focus is on network relationships to help customers use their benefits to their best advantage). • Locate doctors for second opinions and help arrange appointments and research questions about diagnoses, treatments and available support systems. • Help customers with rare or complex medical conditions identify top medical institutions and specialized medical programs across the country and help schedule appointments and research transportation and lodging where necessary. • Facilitate the transfer of medical records, X-rays and lab results prior to a scheduled appointment with a new physician. • Coordinate and help schedule diagnostic tests. • Arrange evaluation for and participation in clinical trials. • Assist with all types of prescription drug issues including formulary and benefit questions, information on generics, obtaining mail order, or locating lower-cost sources for prescription drugs that are not covered by the customer’s health care plan. • Arrange for home care, home equipment, etc. following discharge from the hospital. • Coordinate hospice, home care and other services for terminally ill individuals. • Identify and coordinate a range of services including acupuncture, chiropractic care, massage therapy, cosmetic practitioners, etc. Any money paid by the participant are backed by a six-month money- back guarantee if the coaching does not save them more money than they have paid. If at any time within the first six months of paid membership, the participant had at least three consultations with a My Secure Advantage (MSA) Health Coach and finds that the program has not produced more financial value than the cost of the program, the participant is entitled to a full refund of fees paid. 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 above.

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. 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. More about New York Life Group Benefit Solutions (NYL GBS) Health Advocacy Services?

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. 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.

Putting Benefits To Work For People SM 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, New York Life Group Benefit Solutions is there for you with our Employee Assistance & Wellness Support program.1 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 Assistance Program1 Are you feeling overwhelmed by the demands of balancing work and family life? Maybe you have questions about a legal or financial concern. You and your family members now 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 Resources®1 When you need information quickly to help handle life’s challenges, you can visit 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 Coaching1 Sometimes you may need help with personal challenges and physical issues that can be 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.

24/7 real-time assistance from our Care Managers Full-circle care for your journey through loss � fk @) " @} Identity Theft PreYent& detecifr1ud Q5) Closing Accounts Subscriptions canceledforyou � = Family Hub Invite others to � Automated tools that take care of tasks on your behalf New York Life has partnered with Empathy to provide you and your family with the guidance you need to get through the challenging weeks and months ahead. From settling the estate to dealing with grief, Empathy's personalized, tech-enabled assistance and human support help beneficiaries handle the practical, logistical and emotional challenges that loss brings. We help ease the burden, so you can pay attention to the things that matter most. Probate and estate settlement guidance and resources Emotional support and guidance for dealing w1th grief 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.

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. Notes Date:

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. Contact Information 01 04 02 05 03 Medical Website Anthem Blue Access www.anthem.com Dental Website Anthem www.anthem.com Vision Website Anthem Blue View Vision www.anthem.com Basic Group Term Life/AD&D Voluntary Life & AD&D New York Life https://www.mynylgbs.com/auth/employee- benefits/login Short- & Long-Term Disability New York Life https://www.mynylgbs.com/auth/employee- benefits/login Important Contact Information: Please utilize the website resources for provider information, pharmacy information, and general claims information. The Customer Service phone numbers can assist you with benefits and specific claims questions. Additional education pieces and resources are available. Talk to Human Resources for more information. 07 06 NYL Health Advocacy Services Phone Toll Free: (866) 799-2725 Monday - Friday 8:00am - 12 midnight EST UMB Health Savings Accounts Creating an account? Use code THA00001~141525 hsa.umb.com | 1-866-520-4HSA (4472) 08 Duncan Supply Benefits Call Center* 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.