North State Bank 2026 Benefits Booklet

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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 $24,500 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 $8,000. • Employees between the ages of 60 and 63 can contribute an additional $11,250. Important Information About Catch-Up Contributions: For employees who exceeded $150,000 in Social Security wages during the previous plan year, catch-up contributions are required to be made to a Roth account. Online account information is available 24/7 at americantrust.com. To enroll in online account access, contact American Trust at 1-866-401-5247.