Your Benefits, Your Way

Two medical plan options through UnitedHealthcare: a High-Deductible Health Plan (HDHP) paired with an HSA, and a Surest copay-based plan with no deductible and upfront pricing. The Surest plan shows you the cost of care before you go. Search providers and compare prices at surest.com or through the Surest app. Out-of-network coverage is available on the Surest plan at higher cost.

Two dental plan options through Mutual of Omaha. The Low Plan covers preventive and basic services, while the High Plan adds major restorative coverage and orthodontia for children under 26.

Vision coverage through Mutual of Omaha using the EyeMed network. The plan covers annual exams and lenses with a $10 in-network copay, plus a $130 allowance for frames every 24 months or contacts every 12 months.

NSD provides Basic Life and AD&D insurance of $25,000 at no cost to you through Mutual of Omaha. If your death results from an accident, an additional AD&D benefit is payable. Benefits reduce at age 65 (to 65%), age 70 (to 40%), and age 75 (to 25%). You may also purchase Supplemental Life and AD&D coverage for yourself, your spouse, and your children through Mutual of Omaha. You must elect coverage for yourself before enrolling dependents. Supplemental Life is a team member-paid benefit on an after-tax basis. Rates vary by age and coverage amount.

NSD provides short-term and long-term disability coverage through Mutual of Omaha to protect your income if you become disabled from a non-work-related injury or illness.

Voluntary Accident Insurance through Mutual of Omaha pays a lump-sum cash benefit if you or a covered dependent is injured in an accident. Benefits cover initial care, hospital stays, surgery, follow-up visits, and more.

Voluntary Critical Illness Insurance through Mutual of Omaha provides a lump-sum cash benefit upon diagnosis of a covered critical illness such as cancer, heart attack, or stroke. All plans are guaranteed issue. Rates vary by age and elected benefit amount. A $50 wellness health screening benefit is included once per insured per calendar year.

Voluntary Hospital Indemnity Insurance through Mutual of Omaha pays a cash benefit if you or a covered dependent is hospitalized. Benefits are the same for you and your dependents.

Additional voluntary coverage is available through Mutual of Omaha. These plans pay cash benefits directly to you and can help cover out-of-pocket costs or everyday expenses during a covered event.

NSD offers two tax-advantaged accounts through Bank of America to help you save on healthcare and dependent care costs: a Health Savings Account (HSA) paired with the HDHP medical plan, and a Dependent Care Flexible Spending Account (DCFSA) for eligible childcare and elder care expenses.

Available to team members enrolled in the UnitedHealthcare HDHP HSA plan, through Bank of America. Your HSA lets you set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. Manage your HSA online or through the MyHealth BofA mobile app (available on the App Store and Google Play).

A Dependent Care FSA through Bank of America allows you to set aside pre-tax dollars to pay for eligible dependent care expenses — such as daycare, after-school programs for children under age 13, or elder care — so you and your spouse can work or attend school full time. NSD team members also receive a 10% childcare discount at the KinderCare East Boca Raton location (6500 Broken Sound Pkwy NW, Boca Raton, FL 33487). Contact East Boca KinderCare at (561) 997-5244 and mention you are employed with NSD to request the discount. This discount applies only to the Broken Sound KinderCare location.

UnitedHealthcare Virtual Visits are available 24/7 for a wide range of conditions, including cough, sore throat, headache, fever, congestion, and more. Providers can diagnose, treat, and prescribe medications when needed. Virtual behavioral health therapy is also available through the UHC app or myuhc.com. To get started, sign in at myuhc.com/virtualvisits or download the UnitedHealthcare app.

Identity Theft Assistance is provided through AXA Assistance as part of your overall Travel Assistance package at no cost. Services include awareness and education resources, guidance on recognizing identity theft, and recovery assistance if your information is compromised. Contact AXA Assistance at (800) 856-9947. Note: This is an educational resource and contact-list service, not a full identity recovery service.

Spot Pet Insurance provides comprehensive coverage for your pets, including accidents, illnesses, emergency visits, lab fees, cancer treatment, X-rays, and more. Flexible plans are available with up to 90% cash back, optional preventive care coverage, and 24/7 telehealth access. NSD team members receive up to 20% off. Visit spotpet.link/NSD Newco, Inc. or call (800) 905-1595 using Priority Code ED_NSD Newco.

Employee Assistance Program (EAP) NSD provides a no-cost EAP through Mutual of Omaha. All services are 100% confidential. The EAP offers 24/7 access to licensed professionals for concerns including stress, anxiety, depression, relationships, substance abuse, childcare, elder care, and more. You receive 3 free face-to-face consultations per issue, per person each year, or telehealth sessions via a secure, HIPAA-compliant portal. Additional EAP resources include childcare and elder care referrals, financial and legal consultations, will prep services (visit willprepservices.com, code MUTUALWILLS), and identity theft prevention support. Call (800) 316-2796 or visit mutualofomaha.com/eap. 401(k) Retirement Plan NSD offers a 401(k) plan through Empower Retirement. You’re eligible to participate once you are 21 years old and have completed 3 months of service, with enrollment occurring quarterly based on your hire date. You’ll be automatically enrolled at a 4% pre-tax contribution rate unless you opt out or make changes before your entry date. Enroll or manage your account at empowermyretirement.com or call (855) 756-4738. HUB Retirement and Wealth Management HUB Retirement and Wealth Management is NSD’s 401(k) financial advisor. You can contact their team at no cost for help with retirement planning, investment questions, and overall financial guidance. One Pass Select Fitness Program One Pass Select through UnitedHealthcare gives you and eligible family members (18+) access to a nationwide network of gyms and fitness studios, on-demand home workouts, and grocery delivery services. Choose from multiple membership tiers starting at $34/month. Enroll at OnePassSelect.com. Towbuster 24/7 Roadside Assistance After one year of employment, you’ll be enrolled in NSD’s Towbuster Roadside Assistance Program for up to 2 vehicles at no cost. Coverage includes towing to the nearest repair location (up to 35 miles), jumpstarts, tire changes, lockouts, and fuel delivery. Coverage is limited to 5 services per year, with a maximum of 1 free service within any 72-hour period. Parental Leave Eligible full-time team members with at least 12 months of service may receive up to 6 weeks of paid Parental Leave after the birth, adoption, or foster placement of a child. Hourly team members receive 24 hours per week (144 hours total); salaried team members receive 60% of regular pay. Parental Leave is separate from FMLA and may run concurrently with Short-Term Disability when applicable. Tuition Reimbursement Eligible full-time team members with at least 12 months of service may receive up to $5,000 per calendar year in tuition reimbursement for pre-approved, job-related courses from accredited institutions. Submit a Tuition Reimbursement Request Form to your manager and HR before enrolling. Reimbursement is provided after successful course completion (minimum grade of C) and proof of payment. Hearing Discount Program Discounted hearing products, including hearing aids and batteries, are available through Mutual of Omaha’s Hearing Discount Program. Call (888) 534-1747 or visit amplifonusa.com/mutualofomaha. Tickets at Work Access exclusive discounts on electronics, appliances, theme parks, hotels, rental cars, movie tickets, and more through Tickets at Work. Visit ticketsatwork.com and use company code NATIONSAFE. Local Perks — Boca Raton Area The following discounts are available to NSD team members at select Boca Raton locations: Wireless Carrier Discounts

No change to your 2026 medical premiums. While UnitedHealthcare passed on an increase in medical plan costs, NSD’s strong financial performance has enabled the company to absorb the full cost increase — meaning no change to what you pay for medical coverage this year.