North State Bank 2026 Benefits Booklet

Benefits Guide

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NORTH STATE BANK | 2026 BENEFITS GUIDE

2026 Summary of Benefits

North State Bank is pleased to offer a comprehensive and customizable benefits package designed to meet your needs. New, benefits-eligible employees may receive benefits on the first day of the month following your date-of-hire, or, if your date-of-hire is on the first day of the month, your benefits begin that day. Changes to your benefits selections can only be made if you experience a qualifying “life-changing event.” According to IRS guidelines, these events include marriage or divorce, the birth or adoption of a child, changes in your employment status or that of your spouse, or significant changes in your spouse’s benefits coverage. Should you experience any of these events, please notify Human Resources within 31 days to update your benefits. Otherwise, changes can only be made during the next open enrollment period. For new employees, benefits enrollment must be completed within 30 days of your eligibility date. After your initial enrollment, you will have the opportunity to adjust your selections during the company’s open enrollment period each year. We encourage you to carefully review your options and make selections that best suit your needs. If you have any questions, please don’t hesitate to reach out to Human Resources for assistance. This Summary of Benefits is intended to provide an overview of North State Bank’s benefits program and as such does not include all plan terms, disclosures and conditions. North State Bank reserves the right to make changes to its benefits program from time to time. Benefits with pre-tax deductions are governed by the IRS Section 125 guidelines.

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Health Benefits Medical Plans: Plan details below are based on in-network services and providers.

PPO 70

HDHP 1750

HDHP 3250

Deductible

Individual

$2,000

$1,750

$3,250

Family

$4,000

$3,500

$6,500

Coinsurance

70%

80%

100%

Coinsurance Maximum Individual

$3,250 $6,500

$3,500 $7,000

n/a n/a

Family

Out-of-Pocket Maximum Individual

$5,250

$5,250

$3,250 $6,500

Family

$10,500

$10,500

Preventative/Wellness

100%

100%

100%

Office Visits

Primary Office Visits Specialist Office Visits

$30 copay $50 copay

80%, after ded. 80%, after ded.

100%, after ded. 100%, after ded.

Prenatal Care

$200 copay

80%, after ded.

100%, after ded.

Hospitalization

100%, after ded. 100%, after ded.

Emergency Room

$250 copay $50 copay 30 day supply: $9/$35/$65/ 25% up to $150 90 day supply mail order: $27/$105/$195

80%, after ded. 80%, after ded.

Urgent Care

Rx

80%, after ded.

100%, after ded.

Monthly Employee Deduction

Employee & Spouse

Employee & Child(ren)

Employee & Family

Plans

Employee

PPO 70

$0.00 $0.00 $0.00

$508.08 $464.51 $450.45

$240.18 $219.59 $212.94

$762.12 $696.77 $675.68

HD 1750 HD 3250

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Health Savings Account (HSA): Interactive Medical Systems Available in conjunction with a High Deductible Health Plan (HDHP 1750 or HDHP 3250). Health Savings Account Key Attributes: • Provides insurance coverage along with a tax-advantaged way to save for medical expenses. • 100% employee-owned and portable. • Employees age 55 or better may contribute an additional $1,000 annually to their HSA. • Provides first-dollar coverage for medical care and prescriptions. If qualified expenses exceed your HSA balance, you are responsible for bridging the difference between your HSA balance and your plan’s deductible. After satisfying your deductible, the in-network plan benefit for covered services, including prescriptions, is 80% for the HDHP 1750 and 100% for the HDHP 3250. Employee Only The total annual contribution limit for an employee-only HSA in 2026 is $4,400, inclusive of North State Bank’s contribution to your account. All employee contributions are deducted from your wages pre-tax. Family Coverage If enrolled as an employee with dependents in an HDHP, the total annual contribution to your HSA in 2026 is $8,750, inclusive of North State Bank’s contribution to your account. All employee contributions are deducted from your wages pre-tax.

Employer Contribution (paid as a lump sum)

Plan

Base $300

Per Remaining Number of Months

HDHP 3250 & 1750

$75

Health Reimbursement Plan (HRA): Interactive Medical Systems

For employees who elect the PPO 70 medical plan, the HRA will provide up to a $1,000 reimbursement per family for medical expenses incurred after the satisfaction of $1,000 of the $2,000 individual deductible.

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Flexible Spending Accounts: Wage Works Funds contributed to an FSA are for use during the plan year. See the plan document for carryover amounts.

Health Care FSA

Limited Purpose FSA Dependent Care

Available to employees enrolled in

HDHP with a Health Savings Account

No enrollment required

PPO 70

$7,500: For individuals and married couples filing jointly. $3,750: For married individuals filing separately. Qualified childcare or adult care for dependents living in your home

Annual employee contribution limit

$3,400

$3,400

Qualified health care expenses not covered by insurance (i.e. co-pays, payments applied toward a deductible, etc.)

Dental and vision expenses

Funds can be used towards

Telemedicine: TeleDoc Employees and their eligible dependents participating in a North State Bank medical plan may enroll in TeleDoc. This service allows employees and their eligible dependents to make a virtual trip to the doctor’s office using an internet connection to seek treatment for common, non-life-threatening issues such as allergies, cold and flu, ear infections, fever, sore throats and more for a $10 copay for those enrolled in the PPO plan. For those with a HDHP, the visit will apply toward your deductible. Prescriptions: Prime Therapeutics All employees enrolled in a North State Bank medical plan are automatically enrolled in Prime Therapeutics, a pharmacy benefit management company that manages prescription drug costs for health plans. Prime Therapeutics offers a built-in Drug Discount Card that automatically compares prescription prices to the benefit plan parameters to help you pay the lowest price possible. This service allows you to utilize a local retail pharmacy or MedsYourWay home delivery via Amazon Pharmacy.

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Dental:

Plan details below are based on in-network services and providers in the Delta Dental network.

Basic Dental

Enhanced Dental

Lifetime Deductible

$100 per covered person

$100 per covered person

Annual Maximum

$1,500 per covered person

$2,000 per covered person

Carryover Benefit

Participants can carry over $400 of unused benefits if annual expenses were under $800. Carryover benefits can be accumulated up to $1,500 maximum. Exams & Cleaning X-Rays (bite-wing & full mouth) Emergency Pain Fluoride & Sealants to age 16 Space maintainers to age 16 Oral Cancer screening over 40 Fillings & Simple Extractions Periodontics Endodontics Anesthesia Oral Surgery Inlays & Onlays Crowns, Bridges, Dentures Implants

None

Diagnostic & Preventive 100% after Deductible

Exams & Cleaning X-Rays (bite-wing & full mouth) Emergency Pain Fluoride & Sealants to age 16 Space maintainers to age 16 Oral Cancer screening over 40 Fillings & Simple Extractions Periodontics Endodontics Anesthesia Oral Surgery Inlays & Onlays Crowns, Bridges, Dentures Implants

Basic Service

80% after Deductible

Major Services

50% after Deductible

Orthodontics

Under age 19 $1,500 lifetime limit

Under age 19 $2,000 lifetime limit

50% with no Deductible

Monthly Employee Deduction

Employee & Spouse

Employee & Child(ren)

Employee & Family

Dental Plans

Employee

Dental- Basic Plan

$0.00

$20.42

$29.47

$55.97

Dental- Enhanced Plan

$4.83

$30.03

$42.78

$75.76

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Vision:

Basic Plan Enhanced Plan In-Network Out-of-Network In-Network Out-of-Network

Copay

Exam

$10

$10

Materials

$25 $25

$10 $25

Contact Lense Fitting

Benefits

Exam (MD) Exam (OD)

Covered in Full Covered in Full

Up to $44 Up to $39

Covered in Full Covered in Full

Up to $44 Up to $39

Contact Lense Fitting (Std) Contact Lense Fitting (Spc)

Covered in Full

Not Covered Covered in Full

Not Covered

$50 Retail Allowance $130 Retail Allowance

$50 Retail Allowance $175 Retail Allowance

Not Covered

Not Covered

Frames

Up to $64

Up to $89

Lenses Single Vision - Basic Covered in Full

Up to $34 Up to $48 Up to $64

Covered in Full Covered in Full Covered in Full Covered at retail, lined trifocal level

Up to $34 Up to $48 Up to $64

Bifocal - Basic Trifocal - Basic

Covered in Full Covered in Full Covered at retail, lined trifocal level

Up to $64

Up to $64

Progressive - Basic

$120 Retail Allowance

$200 Retail Allowance

Contact Lenses

Up to $100

Up to $100

Basic/standard lenses do not include tinting or special coatings such as scratch, ultraviolet, reflective, etc. Monthly Employee Deduction

Employee & Spouse

Employee & Child(ren)

Employee & Family

Vision Plans

Employee

Vision Plan- Basic Plan

$0.00

$3.05

$3.25

$6.34

Vision Plan- Enhanced Plan

$1.60

$6.22

$6.34

$11.05

With both the Basic and Enhanced plans, eye exams are covered every plan year (services do not need to be 12 months apart) . Contact lenses, in lieu of frames and glass lenses, are covered every plan year as well. Frames are covered once every other plan year.

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Life Benefits Supplemental Insurance: Aflac

As an optional enhancement to your health and disability insurances, we offer access to supplemental insurance through Aflac. Three supplemental policies are available: cancer with critical illness, hospitalization, and accidental events. Employees work directly with Aflac to determine eligibility and obtain premium quotes. Life & Disability Insurance Basic Life Insurance: The Standard Company North State Bank provides Basic Life insurance as well as accidental death and dismemberment coverage of $100,000 for all eligible employees. This benefit is automatic and the premiums are 100% employer paid. Supplemental Life: The Standard Company In addition to the basic life insurance provided by the Bank, employees may elect supplemental coverage. You have two coverage options: Option 1: Flat-Dollar Coverage Choose a fixed benefit amount of $100,000 or $200,000. Option 2: Salary-Based Coverage Choose from one to five times your annual salary. Coverage up to $200,000 is guaranteed; amounts above $200,000 require evidence of insurability (EOI). Note: Coverage up to $200,000 is guaranteed; amounts above $200,000 require evidence of insurability (EOI). Combined Basic and Supplemental Life coverage cannot exceed $900,000. Supplemental Life Insurance for Spouse If you elect Supplemental Life Insurance, you may also cover your spouse. Spouse coverage is available in increments of $25,000 up to $200,000 but cannot exceed your own elected coverage. Coverage up to $50,000 is guaranteed; amounts above $50,000 require evidence of insurability (EOI). Paid with post-tax dollars based on employee’s age (regardless of coverage for employees or spouse) 0-29 years old $0.104 50-54 years old $0.514 30-34 years old $0.136 55-59 years old $0.640 35-39 years old $0.157 60-64 years old $0.923 40-44 years old $0.293 65-69 years old $1.427 45-49 years old $0.388 70 years or greater $2.572 Supplemental Life Insurance Monthly Contributions per $1,000 of coverage

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Dependent Life: The Standard Company The Dependent Life plan provides optional life insurance coverage for dependent family members at low group rates. The plan offers three options for coverage:

Option 1: Spouse $2,000; Child $2,000

$0.42

Option 2: Spouse $10,000; Child $5,000 Option 3: Spouse $25,000; Child $10,000

$2.50 $6.00

Disability Insurance: Lincoln Financial A combination of Short-Term and Long-Term Disability insurance is available to all benefit-eligible employees. Premiums are 100% employer paid and employees are automatically enrolled for these benefits. Short-Term Disability (STD) benefits are payable on the 15th day of disability through day 90. The STD plan pays 60% of your weekly base earnings, up to a maximum weekly benefit of $2,500. This total may be reduced by other benefits you may be entitled to receive. Long-Term Disability (LTD) benefits are payable on the 91st day of disability. The LTD plan pays 60% of your monthly base earnings, up to a maximum monthly benefit of $15,000. This total may be reduced by other benefits you may be entitled to receive.

Retirement Savings 401(k): American Trust

North State Bank matches employee 401(k) contributions up to 6%. Employees may contribute up to $23,500 ( pending 2026 IRS limits release ) of all eligible compensation to their 401(k). There are two levels of “catch-up” contributions available to employees in select age groups: • Employees between the ages of 50 to 59 or 64 or older can contribute an additional $7,500. • Employees between the ages of 60 and 63 can contribute an additional $11,250. Online account information is available 24/7 at americantrust.com. To enroll in online account access, contact American Trust at 1-866-401-5247.

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NORTH STATE BANK | 2026 BENEFITS GUIDE

Other Benefits Employee Assistance Program: First Stop Health First Stop Health is designed to support you as you pursue your personal health and well-being goals. Services are offered at no charge to adults and dependents 18+ enrolled in a health plan offered by North State Bank. First Stop Health can assist with: Lifestyle & Wellbeing Coaching: Set and achieve goals to improve your overall health. First Stop Health covers everything from diet and exercise to tobacco cessation. Chronic Condition Support: First Stop Health provides education and support for managing conditions like prediabetes, diabetes, high cholesterol, and high blood pressure. Mental Health Support: First Stop Health provides confidential support from licensed therapists to address burnout, life changes, stress, depression, anxiety, grief, and more. Participation is strictly confidential, and your personal health information is never shared. Learn more at firststophealth.com. To register, click “Log In” and select “Claim my account” and follow the prompts. Employee Banking Packages North State Bank offers a comprehensive banking package exclusively to employees. It includes free and discounted products and services, such as: • Two interest-bearing Personal Banking accounts with no minimum balance requirements and no monthly service charges. • Free Visa debit card and personalized checks (limit one box of checks per order). Unlimited ATM fee reimbursements domestically and internationally. • Administration fee waived for Visa® Gift Card purchases. • Discounts on wealth and retirement planning through Guardian Wealth Partners. • Cashier’s checks, 3” X 5” safe deposit box and domestic wire transfers at no charge. • Discounted fee and/or interest rate on loans/credit cards. Subject to credit approval; available for select products.

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NORTH STATE BANK | 2026 BENEFITS GUIDE

2026 Company Holidays All eligible North State Bank employees receive the following paid company holidays: New Year’s Day Thursday, January 1 Martin Luther King Jr. Day Monday, January 19 Presidents’ Day Monday, February 16 Labor Day Monday, September 7 Columbus Day Monday, October 12 Parental Leave Employees with 12 consecutive months of service and a minimum of 1,250 hours worked within the last 12 months, are eligible for six weeks of paid parental leave if serving as the primary caregiver following the birth or adoption of a child. Employees not serving as the primary caregiver are eligible for up to two weeks of paid parental leave.

Veterans Day Wednesday, November 11 Thanksgiving Thursday, November 26 Friday, November 27 Christmas Eve Thursday, December 24: Closed at Noon Christmas Friday, December 25

Good Friday Friday, April 3 Memorial Day Monday, May 25 Juneteenth Friday, June 19 Independence Day Friday, July 3

Amanda Lloyd Chief People Officer 919.645.3191 ALloyd@NorthStateBank.com Tina Gleeson Human Resources Officer 919.526.1712 TGleeson@NorthStateBank.com

Kathy Nall Human Resources Director 919.723.2965 KNall@NorthStateBank.com

Ronda Firstbrook Human Resources Assistant 919.526.1713 RFirstbrook@NorthStateBank.com