North State Bank 2026 Benefits Booklet

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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.