Benefits Overview

At IncredibleBank, we recognize our ultimate success depends on our talented and dedicated workforce. We understand the contribution each employee makes to our accomplishments.

Our goal is to provide a comprehensive program of competitive benefits to attract and retain the best employees available. Our program offers a range of plan options to support the needs of our employees and their dependents by providing a benefit package that is easy to understand, easy to access, and affordable for all our employees.

To access further benefit information you can visit IncredibleBank’s benefit overview below:

IncredibleBank 2025 Benefits Overview (Recorded)

Eligibility for the benefits provided by IncredibleBank depends on your employment status. Employees working 30 or more hours per week and classified as a .75 FTE or higher are eligible for benefits.

Eligible dependents are generally regarded as:

• Your legal spouse
• Your children under age 26, including stepchildren, legally adopted children and children placed with you for adoption
• Your dependent children of any age who are physically or mentally unable to care for themselves

Due to IRS regulations, once you have made your election for the 2025 plan year, you cannot change your benefits until the next annual enrollment period unless you experience a qualifying life event.

A qualifying life event may include the following:

• Marriage, legal separation, divorce, birth or adoption of a child;
• Change in employment status for you or your spouse;
• Change in a dependent’s benefits eligibility status;
• A significant change in the cost or coverage of your spouse’s benefits;
• Change in place of residence causing a loss of eligibility;
• Change in the cost of dependent care (only for the dependent care FSA); or
• Loss of a dependent (death).

To change your benefits, notify the People Team within 30 days of the qualifying life event, and provide proof of the change, such as a marriage certificate, birth certificate, or student verification information.

For medical, dental, vision, HSA or FSA elections, contact the People Team to request a change. They will then guide you through next steps of the enrollment process.

SUMMARY ANNUAL REPORT

For IncredibleBank and Related Employers

This is a summary of the annual report of the IncredibleBank and Related Employers, EIN 39-1440245, Plan No. 501, for period 01/01/2023 through 12/31/2023. The annual report has been filed with the Employee Benefits Security Administration,

U.S. Department of Labor, as required under the Employee Retirement Income

Security Act of 1974 (ERISA).

IncredibleBank has committed itself to pay certain self-insured Medical and Dental claims incurred under the terms of the plan.

Insurance Information

The plan has contracts with Wyssta Insurance Company Inc and Symetra Life Insurance Company to pay Vision, Life Insurance, Long-term Disability, Accidental Death and Dismemberment, and Employee Assistance Program claims incurred under the terms of the plan. The total premiums paid for the plan year ending 12/31/2023 were $138,448.

Your Rights To Additional Information

To obtain a copy of the full annual report, or any part thereof, write or call the office of IncredibleBank at 327 North 17th Avenue, Wausau, WI, 54401 or by telephone at 715-845-6644.

You also have the legally protected right to examine the annual report at the main office of the plan (IncredibleBank, 327 North 17th Avenue, Wausau, WI, 54401) and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

Paperwork Reduction Act Statement

According to the Paperwork Reduction Act of 1995 (Pub. L. 104-13) (PRA), no persons are required to respond to a collection of information unless such collection displays a valid Office of Management and Budget (OMB) control number. The Department notes that a Federal agency cannot conduct or sponsor a collection of information unless it is approved by OMB under the PRA, and displays a currently valid OMB control number, and the public is not required to respond to a collection of information unless it displays a currently valid OMB control number. See 44 U.S.C. 3507. Also, notwithstanding any other provisions of law, no person shall be subject to penalty for failing to comply with a collection of information if the collection of information does not display a currently valid OMB control number. See 44 U.S.C. 3512.

The public reporting burden for this collection of information is estimated to average less than one minute per notice (approximately 3 hours and 11 minutes per plan). Interested parties are encouraged to send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the U.S. Department of Labor, Office of the Chief Information Officer, Attention: Departmental Clearance Officer, 200 Constitution Avenue, N.W., Room N-1301, Washington, DC 20210 or email [email protected] and reference the OMB Control Number 1210-0040.

OMB Control Number 1210-0040 (expires 03/31/2026)