G-EDU2026

2026

Benefits Enrollment Guide EDU

This guide contains important information about the ABM Benefits Program for eligible team members. Please read it thoroughly.

G-EDU 5.11.26

Welcome to Benefits Enrollment for 2026 2026 is going to be a great year for benefits at ABM. We’re still offering our innovative array of plans, but we’re making some incredible enhancements and strengthening many key features: Free digital Tier 1 plan from Wellhub that includes 10 different premium resources, such as MyFitnessPal, Sleep Cycle, Meditopia, and GymLife. You can actually start using this digital plan immediately – no need to wait for 2026.

Instant approval on most levels of Voluntary Life Insurance coverage so you can elect or increase coverage amounts for you and/or your eligible dependents without answering medical questions.

A new program tied to our UHC and Surest Medical Plan options, delivered by Maven, that provides support for fertility and family building, as well as menopause and midlife health.

Enhanced benefits offered through Cigna Healthcare’s Supplemental Insurance, providing even higher levels of benefits if you have an accident or are hospitalized.

Innovative programs within our UHC and Surest Medical options to help manage Diabetes and hypertension, assist with joint health, and provide free second opinions from Board-certified specialists. These programs are delivered by Teladoc Health, Hinge Health, and 2ndMD. Continued focus on physical and mental wellness, including 100% coverage for routine preventive care under all medical, dental, and vision options, no cost or low-cost virtual visits, and the ABM-provided Employee Assistance Program (EAP).

Cost-sharing stability in our Medical Plan options, with no changes to copays, coinsurance, and out-of-pocket maximums across all Medical Plan options (with the exception of a $100 increase in the Silver option individual deductible as part of the required increase for high-deductible plans).

Annual Benefits Open Enrollment for Current Team Members Action required: Benefits open enrollment is for ALL TEAM MEMBERS, including those who recently enrolled or made a change in coverage You must take action if you are eligible for ABM-sponsored plans. Your current Medical, Dental, Vision, Health Savings Account (HSA), and Health Care Flexible Spending Account (FSA) coverage, if any, will end December 31, 2025. Be sure to enroll and get the coverage you want for 2026.

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Welcome to Benefits Enrollment

Enrollment for New Hires/Rehires You have 31 days from your hire/rehire date to enroll. If you do not enroll, it is considered a waiver of coverage. See Enrollment Basics for more information.

This 2026 Benefits Enrollment Guide includes everything you need to understand your options and enroll. Enroll online in English or Spanish at worklife.alight.com/abm or use the Alight Mobile app.

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Welcome to Benefits Enrollment

IMPORTANT NOTICE REGARDING PLAN ACCESS This Guide contains a general overview of all ABM’s benefits offerings. Depending on your work status and location, you may have access to some of these offerings. To see the benefits specifically available to you, please access the ABM Benefits Center at worklife.alight.com/abm.

Rates are not included in this Guide and are shown when you go through the enrollment process.

Si necesita asistencia en español, por favor llame al centro de Servicio ABM al siguiente número 833.938.4635. Un agente que hable español le atenderá. Desde la página de inicio de Alight, haga clic en “Enroll Now,” haga clic en “Language Preferences” ubicado en la esquina superior izquierda, seleccione la opción para español, luego haga clic en “Save.”

Las tarifas no están incluidas en esta Guía y se muestran cuando realiza el proceso de inscripción.

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Important Notice Regarding Plan Access

Contents 6 About This Guide 7 7 7 8 8 9 9 10 10 11 11 11 12 12 12 13 14 14 15 18 24 25 26

Enrollment Basics

New Hires/Rehires Annual Benefits Open Enrollment Your Benefits During a Leave of Absence If You Do Not Enroll (During Benefits Open Enrollment) Changing Your Elections During the Year (Qualifying Life Event) Verification of Name and Social Security Number for Tax Reporting

How to Enroll

Enroll Online Use the Alight Mobile App Contact the ABM Benefits Center Updating Your Social Security Number and/or Name

Eligibility & When Coverage Begins/Ends

Team Member Eligibility Dependent Eligibility If Your Spouse or Domestic Partner Works at ABM When Coverage/Participation Begins When Coverage/Participation Ends

Medical Coverage Health Savings Account (HSA) Dental Benefits Vision Benefits Disability Benefits Life Insurance with Long Term Care Supplemental Insurance

27 28 30 Cigna Healthcare Supplemental Health Solutions 31 Pre-Tax Commuter & Parking 32 Employee Assistance Program (EAP)

33 Pet Insurance

34 Identity Theft Protection

34 MetLife Personal Finance App 35 Legal Services

35 Marketplace Mall

36 Gym & Wellness Resources

37 ABM 401(k) Employee Savings Plan

38 Employee Stock Purchase Plan (ESPP) 39 Directory of Resources

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Contents

About This Guide This Guide was created to assist you when you elect your benefits.

That means it works for you: • During annual benefits open enrollment for current team members, • During your initial enrollment period when you first join ABM as a new hire/rehire, or • When you experience a Qualifying Life Event (QLE) that allows you to make changes to your coverage during the year (see Changing Your Elections During the Year).

It will also serve as a reference during the year when you have questions about your benefits.

This Guide includes the following information: • Enrollment Basics – Decide if you want to elect or waive Medical, Dental, and/or Vision coverage, as well as any other benefits that require an active enrollment election during annual benefits open enrollment or when you first become eligible. Choose to make your elections: online, using the app, or by phone.

• How to Enroll – Find instructions for enrolling using the website, via the Alight Mobile App, or by phone.

• Participation – Determine if you and your dependents are eligible, as well as when your coverage begins and ends.

• Details About All Your Benefits – Get the specifics on all your benefits and use our charts to help you make your choices.

For additional information about the plans available to you, visit the ABM Benefits Center at worklife.alight.com/abm, login to the Alight Mobile app, or call 833.938.4635.

• Directory of Resources – Carrier phone numbers, websites, and policy numbers are available in one convenient location. The directory is located at the back of this Guide. Keep this directory handy for use throughout 2026.

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About This Guide

Enrollment Basics

New Hires/Rehires •

You must enroll within 31 days of your hire/rehire date.

•

In general, coverage will begin on the first of the month following 60 days of consecutive employment with ABM.

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Your elections will remain in effect through December 31 of the current year, unless you are no longer employed by ABM, are no longer in an eligible class, or experience a QLE (see Changing Your Elections During the Year).

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If you do not enroll during your initial enrollment period, you will not have another opportunity to enroll until the next annual benefits open enrollment, within 31 days of experiencing a change in eligible class, or within 31 days of a QLE.

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Failure to enroll is considered a waiver of coverage.

Annual Benefits Open Enrollment

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Annual benefits open enrollment is for all team members, including those recently enrolled based on being hired/rehired or who experienced a change in eligible class or QLE (see Changing Your Elections During the Year).

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IF YOU DO NOT ENROLL DURING ANNUAL BENEFITS OPEN ENROLLMENT, the chart on the following page shows what will happen to your benefits coverage.

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You may change your elections as often as you’d like during annual benefits open enrollment, October 7 – 21 (11:59 p.m. Central Time). The elections we have on file for you when the enrollment system closes will be considered your final elections and will be effective for the entire plan year (January 1 – December 31, 2026), unless you are no longer employed by ABM, are no longer in an eligible class, or experience a QLE.

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If you do not enroll during annual benefits open enrollment, you will not have another opportunity to enroll until the next annual benefits open enrollment, within 31 days of experiencing a change in eligible class, or within 31 days of a QLE.

•

Failure to enroll is considered a waiver of coverage.

Enrollment Basics

Your Benefits During a Leave of Absence If you take a leave of absence, your benefits may be affected depending on the type of leave you take. To determine how your benefits are affected, refer to the applicable Summary Plan Description (SPD) located at the ABM Benefits Center on worklife.alight.com/abm.

If You Do Not Enroll (During Benefits Open Enrollment) Plan Name

What Happens If You Do Not Enroll

Medical Dental ▪ Vision

Coverage effective in 2025 will end December 31, 2025.

▪ ▪

▪ ▪

Health Savings Account (HSA)1 Flexible Spending Account (FSA)

Participation effective in 2025 will end December 31, 2025.

Voluntary Short Term Disability2 Voluntary Life & AD&D2, 3 ▪ Accidental Injury2 ▪ Critical Illness2 ▪ Hospital Indemnity2 ▪ Pre-Tax Commuter & Parking4 ▪ Pet Insurance ▪ Identity Theft Protection2 ▪ Legal Services ▪ Gym & Wellness Resources5 ▪ Employee Stock Purchase Plan (ESPP)5 ▪ ABM 401(k) Employee Savings Plan4

If you are currently enrolled and still meet the eligibility requirements, your current election will carry forward and will be subject to the applicable 2026 rates.

Basic Life & AD&D3 Short Term Disability ▪ Long Term Disability ▪ Employee Assistance Program ▪ Marketplace Mall

If you are offered these benefits automatically or are currently participating and still meet the eligibility requirements, your current benefits will carry forward to 2026. If you are newly eligible for any of these benefits, you will be enrolled automatically.

▪ ▪

▪ ▪

▪

Life Insurance with Long Term Care

You will not be allowed to elect coverage until the next Benefits Open Enrollment.

1 You may change or stop your contributions at any time. Any changes made mid-year will

be effective the 1st of the month following when the change was initiated.

2 You may drop coverage at anytime without a QLE, however, you may not change or

reenroll in coverage unless you experience certain changes in eligibility or a QLE. 3 You may update your beneficiary information at any time.

4 Once eligible, you may enroll, change, or stop contributions at any time.

5 You may enroll, change, or drop coverage at any time.

Enrollment Basics fi

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Depending on your work status and location, you may be eligible for some or all of the bene ts shown in the chart at left.

Changing Your Elections During The Year Qualifying Life Event (QLE) When you pay for benefits coverage using pre-tax dollars, the IRS dictates that you may only change these elections outside annual benefits open enrollment (or your initial enrollment period, if a new hire/rehire) if you have a QLE. An eligible QLE includes: •

Birth, adoption, or the placement of a child for adoption,

•

Marriage,

•

Divorce or legal separation,

•

Death of a dependent,

•

A dependent loses or gains eligibility,

•

A change in employment status for you or your spouse/domestic partner,

•

You or your spouse enroll in Medicare or Medicaid,

•

A court order requiring you to cover an eligible dependent, and

•

A significant reduction of hours, such as full-time to part-time.

Any change in your coverage must be consistent with your eligible QLE. For example, if you have a baby, you may add your child to your medical coverage; you may not remove your spouse from coverage because of the birth of your child.

You will have 31 days from the date of the QLE to change your benefits. If the QLE is due to your entitlement or loss of entitlement for Medicare, Medicaid, or Children’s Health Insurance Program (CHIP), or due to a Special Enrollment Period under the Federal Marketplace, you have 60 days to change your benefits. If you miss this deadline, your next chance to make any changes will be during the next annual benefits enrollment period or within 31 days of experiencing another QLE. NOTE: Changes related to births, adoptions, or placements are effective on the date of the event. All other changes related to a QLE are effective the first of the month following the event.

Verification of Name and Social Security Number for Tax Reporting During ABM’s annual Affordable Care Act (ACA) reporting process, the IRS notifies ABM when a team member’s or dependent’s name or Social Security number does not match IRS records. To meet Form 1095 C reporting requirements, ABM must correct these discrepancies with the IRS, as penalties may apply if they remain unresolved.

ABM is required to provide the Internal Revenue Service (IRS) with your legal name and Social Security Number (SSN) exactly as they appear on your Social Security card. The same is true for any dependents you cover.

This verification process helps prevent delays in processing your tax documents and avoid potential discrepancies with the IRS. If you have questions about your Social Security record or need a replacement card, please contact the Social Security Administration.

Please review the name and SSN you provide to ABM and confirm that they match the information on your Social Security card (or that of your dependent). If you previously submitted incorrect information, correct your information using one of the options listed on page 11.

Enrollment Basics ‑

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How to Enroll Enroll Online Visit the ABM Benefits Center at worklife.alight.com/abm.

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•

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If you have already registered, you will need to enter your User ID and Password. If you have forgotten either your User ID or Password, simply click on “Forgot User ID or Password.”

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You will be prompted to enter the last four digits of your Social Security Number (SSN) and date of birth.

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You will then be prompted to enter your password. (If you do not remember your password, click “Reset Password.”)

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If you have established biometrics (fingerprint or face ID), you can choose the option to receive a notification on the Alight Mobile app to verify your identity.

If you are a New User, click on “New User” and verify your identity. You will be asked to enter the last four digits of your Social Security number (SSN), your date of birth, and your five-digit zip code.

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Confirm security by selecting “Continue.”

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Choose your credentials by creating a User ID that is at least 8 characters.

Create and confirm a Password that is between 10-64 characters. (Passwords require 3 of these 4 elements: upper case letter, lower case letter, number, or special character.)

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Create five security questions and answers, then click “Continue.”

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Create a Service Center PIN (6-20 digits) you will need if you call the ABM Benefits Center.

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Review your benefit options, elect or waive coverage, review/update your beneficiary information (if applicable).

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Once you are satisfied with your elections, click “Complete Enrollment.” Note that your elections are saved as you go through the enrollment process and will be processed even if you do not click “Complete Enrollment.” If you elected any coverage that you do not want, you need to go back to those plans and decline coverage and/or remove dependents; otherwise, your enrollment will be processed based on the elections you entered. After clicking “Complete Enrollment” you have the option of printing your elections by clicking the blue “Print This Page” button.

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If you have an email address on file, you will receive an email that includes a link to your secure mailbox on the portal. You may print this confirmation and/or save it to your device. If you don’t have an email address on file, go to worklife.alight.com/abm and click on Health and Insurance at the top of the page. Then click “Your Coverage” under the Coverage Details column. You will then have the ability to view your elections.

How to Enroll

Use the Alight Mobile App Here are three ways to get the Alight Mobile app: 1. Text “Benefits” to 67426 (U.S. only) 2. Visit alight.com/app 3. Scan the QR code with your phone and choose the Alight Worklife option to register and make your benefit elections

Linking the App to Your Account •

In the app, choose the setup option.

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Sign in and agree to connect your device via an access code sent by text message.

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Enter the access code in the app to confirm your identity.

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Follow the directions on your device to set up your fingerprint or face identification.

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You will then be able to open the Alight Worklife site. Enter your user ID, choose the “Login with Alight Mobile” button, and use your mobile device to identify yourself to gain access.

Contact the ABM Benefits Center If you need personal assistance, simply call 833.938.4635, Monday – Friday, 7 a.m. – 7 p.m. CT. A representative will guide you through the enrollment process. You will be given a Case Number. Please write this down and use it if you have any questions or need additional assistance.

You can also communicate with the ABM Benefits Center via chat.

The ABM Benefits Center can assist via telephone in various languages.

Updating Your Social Security Number and/or Name For Team Members ABM: Call 888.328.8606, Monday – Friday, 6 a.m. – 10 p.m. CT and Saturday – Sunday, 9 a.m. – 4 p.m. CT. Able Legacy: Call 888.328.8606, Monday – Friday, 8 a.m. – 6 p.m. PT.

For Dependents

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Online: Visit worklife.alight.com/abm.

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Alight Mobile App: Visit alight.com/app or scan the QR code above.

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ABM Benefits Center: 833.938.4635, Monday – Friday, 7 a.m. – 7 p.m. CT.

How to Enroll

Eligibility & When Coverage Begins/Ends Team Member Eligibility To determine if you are eligible for benefits and to see the specific benefits plans that apply to you, visit the ABM Benefits Center at worklife.alight.com/abm, use the Alight Mobile app, or call the ABM Benefits Center. The ABM Benefits Center and Alight Mobile app will indicate the options available to you, if any, and the associated cost. NOTE: You must work at least 16 hours per week in order to be eligible for Medical, Dental, Disability (Basic & Voluntary), Life/AD&D (Basic & Voluntary), and Supplemental Insurance benefits.

New Hires/Rehires: You must enroll within 31 days of your hire or rehire date.

In general, coverage will begin on the first of the month following 60 days of consecutive employment with ABM.

Dependent Eligibility The information below will help you determine if you have a dependent who qualifies to be enrolled as an eligible dependent. You will need to provide a Social Security number (SSN) and date of birth for all dependents that you enroll, since all dependents enrolled in ABM’s benefits plans will be verified (see Dependent Eligibility Verification for more information).

Dependent coverage begins and ends when coverage for the team member begins and ends (unless otherwise noted), as described in When Coverage/ Participation Begins/Ends.

Type of Dependent

Eligibility Requirements1

Spouse

Must be legally married to the team member.

Domestic Partner2

A person of the opposite or same sex with whom the team member has established a domestic partnership.

Child (biological, adopted, foster, or step-child)

Under age 26.

Child of a Domestic Partner2

Under age 26

Child Covered Under a Qualified Medical Child Support Order (QMSCO)

Order must be a QMSCO.

Disabled Child Aged 26 or Older3

Must be incapable of self-sustained employment because of physical disability, mental or cognitive disability, mental illness, or mental health disorder; dependent on the team member for a majority of his/her financial support and maintenance; live with the team member for more than half the year; and have been covered under the plan before age 26.

1 Unless otherwise noted in the flyer specific to the benefits plan.

2 Your share of the premium for coverage for a domestic partner and/or child(ren) of a domestic partner

must be treated as after-tax. Further, the portion of the premium ABM contributes toward that coverage is subject to imputed income.

3 You will be required to complete a disabled dependent form for each benefit plan in which you enroll a

disabled child who is age 26 or older.

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Eligibility & When Coverage Begins/Ends

Dependent Eligibility Verification ABM is committed to providing affordable health care benefits for all team members and their eligible dependents. To ensure benefits dollars are equitably distributed amongst all team members, we must verify we are only paying the expenses of eligible dependents. ABM has partnered with Alight to verify dependent eligibility. Please follow the instructions provided on worklife.alight.com/abm or the Alight Mobile app when enrolling dependents. If your dependents have already been verified, they will not be required to go through this process during annual benefits open enrollment.

If you elect coverage for a new dependent, a letter will be mailed to you within three business days of adding the dependent. You will then have 30 days from the date you added the dependent to submit the required documentation. Documentation received after 30 days will not be considered. You can upload documents within 24 hours of adding a dependent on the Alight portal. NOTE: A birth announcement or hospital certification is initially considered an acceptable proof of birth, but you will ultimately need to provide a required form of documentation (i.e., official birth certificate) within the required 30-day period.

All dependent documentation must be provided to Alight, not ABM. You may upload documentation to the ABM Benefits Center at worklife.alight.com/abm or the Alight Mobile app. You may also fax documentation to Alight at 866.616.3558.

IMPORTANT: Any dependent not verified by the verification deadline date will be removed from coverage retroactively. Note that if you receive ID cards prior to submitting approved documentation, this does not indicate that your dependent(s) have been approved. If claims are incurred and paid by the plan prior to your dependent(s) being retroactively removed from coverage, you will be required to reimburse the plan the full amount paid. If you have any questions regarding the dependent verification process, please call the ABM Benefits Center at 833.938.4635.

Social Security Number (SSN) Required for Enrolled Dependents In order to comply with the Affordable Care Act of 2010, regulations from the Centers for Medicare and Medicaid Services (CMS), and carrier requirements, ABM is required to collect SSNs for all dependents enrolled in a Company-sponsored plan. This also helps ensure dependent claims are processed in a timely manner. The collection and use of SSNs is limited by federal and state laws and regulations. When an SSN is used for protected health information (PHI), Health Insurance Portability and Accountability Act (HIPAA) privacy rules dictate who can collect the information, how it can be used, and with whom it can be shared. With these rules, collection of SSNs for reporting to the IRS and CMS are considered a legitimate and necessary use of the SSN under federal law.

If Your Spouse or Domestic Partner Works at ABM If both you and your legal spouse or domestic partner are employed by ABM, please keep in mind these restrictions on electing duplicate coverage: Medical, Dental, and Vision – You may each enroll as an individual or one of you may elect Employee & Spouse coverage, Employee & Child(ren) coverage, or Employee & Family coverage. If you elect coverage separately, you cannot cover each other as a dependent and your eligible child(ren) may only be covered by one of you.

Voluntary Life Insurance – You may each elect VLI coverage as an Employee.

Alternatively, one of you may elect VLI coverage for yourself as an Employee and then elect Spouse coverage for your spouse/domestic partner. But neither of you are allowed to be covered as both an Employee and a Spouse. Further, if you and your spouse/domestic partner elect VLI separately, your eligible child(ren) may only be covered by one of you.

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Eligibility & When Coverage Begins/Ends

When Coverage/Participation Begins Eligibility Event

Coverage Begins

Team Members

Elections you make during annual benefits open enrollment will take effect beginning January 1, 2026.

New Hires

In general, the first of the month following 60 consecutive days of employment with ABM.

Rehires

First of the month coinciding with or following date of rehire if the break in service is not more than 90 days from the last date worked, provided you previously completed at least 60 consecutive days of employment.

Change in Eligibility

First of the month coinciding with or following the effective date of the change, provided you have at least 30 consecutive days of employment. (Change from part-time to full-time, transfer to a different location or client, change from Staff/Management to Frontline, or vice versa, etc.)

QLE

First of the month coinciding with or following the effective date of the event. For birth, adoption, or placement for adoption, coverage is effective on the date of birth, adoption, or placement.

When Coverage/Participation Ends Benefit Type ▪

Medical/Dental/Vision

▪ EAP

Coverage Ends Last day of the month in which you are no longer employed by ABM or are no longer in an eligible class.

Voluntary Life1 Voluntary AD&D1 ▪ Life Insurance with Long Term Care1 ▪ Accidental Injury1 ▪ Critical Illness1 ▪ Hospital Indemnity1 ▪ Identity Theft Protection1 ▪ Gym & Wellness Resources1 ▪ ▪

FSA Short Term Disability ▪ Voluntary Short Term Disability1 ▪ Long Term Disability ▪ Voluntary Long Term Disability1 ▪ Basic Life & AD&D1 ▪ Pre-Tax Commuter & Parking ▪ Legal Services1 ▪ Marketplace Mall ▪ ▪

At 11:59 p.m. the day you are no longer employed by ABM or are no longer in an eligible class.

▪

Pet Insurance1

At 11:59 p.m. the day you cancel coverage or are no longer in an eligible class. If you leave ABM, your coverage will not be cancelled, however, you should notify MetLife of your termination. Your current rates will continue through your policy anniversary date, unless you cancel coverage earlier.

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401(k)

Your contributions, if any, and corresponding matching contributions to the 401(k) end with your last paycheck, provided the annual limit has not been met. You own all vested contributions in your account.

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ESPP

ESPP contributions stop at the end of the month prior to leaving ABM. Any contributions deducted from a check issued after that time will be refunded to you.

1 You may be able to continue coverage for these plans after you terminate. Please contact the carrier.

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Eligibility & When Coverage Begins/Ends

Medical Coverage ABM provides a range of plans and contribution levels to ensure you can make choices that balance cost against other factors that are important to you. The option you choose now will remain in effect through December 31, 2026, unless you are no longer employed by ABM, are no longer in an eligible class, or experience a QLE (see Changing Your Elections During the Year).

Silver Option – UnitedHealthcare (UHC) Highlights of the Silver Medical Plan option with Health Savings Account (HSA) are shown in the following chart. Please note all medical copays apply to the out-of-pocket maximum. The coinsurance percentage is the amount you will pay toward the cost. Benefits shown are for in-network care only. Benefits for out-of-network services will be less than in-network. Out-of-network benefits can be found worklife.alight.com/abm by clicking “View Plan Details” on each plan’s enrollment section. A copy of the Summary Plan Descriptions (SPDs) are available at the ABM Benefits Center on worklife.alight.com/abm.

UHC Silver (with HSA) — Medical and Pharmacy Benefits Calendar Year Deductible Individual

$3,400

Family

$6,800

Out-of-Pocket Maximum Individual

$6,000 (including prescription drugs)

Family

$12,000 (including prescription drugs)

Physician Office Visits Wellness/Preventive

No charge

Tier 1 Premium Care1 Primary Care Physician

10%, after deductible

Primary Care Physician

20%, after deductible

Tier 1 Premium Care1 Specialist

10%, after deductible

Specialist

20%, after deductible

Virtual Visits2

20%, after deductible

Urgent Care

20%, after deductible

Lab/X-Ray/Radiology (in physician’s office)

20%, after deductible

continued

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Medical Coverage

UHC Silver (with HSA) — Medical and Pharmacy Benefits Hospital Services Inpatient

20%, after deductible

Outpatient

20%, after deductible

Outpatient Professional Fees

20%, after deductible

Outpatient Professional Fees – Tier 1 Premium Care1 Physician

10%, after deductible

Emergency Room

20%, after deductible

Mental Health/Substance Abuse Inpatient

20%, after deductible

Outpatient

20%, after deductible

Prescription Drugs (available only from in-network pharmacies) Retail (31-day supply) Tier 1

$10 copay, after deductible

Tier 2

$35 copay, after deductible

Tier 3

$60 copay, after deductible

Tier 4

20%, up to a $200 maximum, after deductible

Mail Order (90-day supply) Tier 1

$20 copay, after deductible

Tier 2

$70 copay, after deductible

Tier 3

$120 copay, after deductible

Tier 4

20%, up to a $200 maximum, after deductible

1 Tier 1 premium providers are recognized for providing higher value in health care delivery, which means you

may save money on the care you receive. To find Tier 1 premium providers, go to welcometouhc.com/ tieredbenefits and click on Benefits > Find a Doctor or Facility. Tier 1 premium providers are identified with a blue Tier 1 dot next to their name.

2 If you receive virtual care outside on an office visit, different copays may apply depending on the type

of service you receive.

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Medical Coverage

Pharmacy Benefits (UHC) Your prescription drug benefits are provided under a Preferred Drug List (PDL).

The PDL consists of four tiers with medications assigned to different levels based on cost and overall health value. Tier 1 is your lowest-cost option. Not all generic medications are placed in Tier 1 and not all brand medications are placed in Tiers 2 and 3. Some medications may be excluded from your benefit coverage. For Tier 4 specialty medications, you are responsible for a portion of the cost of the drug, depending on which plan you chose. We encourage you to discuss lower-cost options with your doctor. If you have questions, call the pharmacy customer service number on your ID card.

IMPORTANT: Although prescription drugs count toward the deductible under the Silver option, certain preventive medications, (e.g., insulin, blood pressure, cholesterol drugs) may be covered without a deductible applied. Existing members can visit myuhc.com or the UHC app to determine if a medication is considered preventive, or to search and price a medication that is specific to the Silver option.

Special Programs – UHC Options When you participate in a Medical Plan administered by UHC, Kelsey-Seybold, or Surest, you will also have access to the programs below at no cost to you.

You will receive information directly from UHC, particularly if one or more of these programs is relevant to you or your family.

2nd.MD When you participate in a Medical Plan administered by UHC, you can receive medical consultations via 2nd.MD at no additional cost. 2nd.MD connects you with board-certified, elite specialists via phone or video, within days, from the comfort of your home. If you receive a new diagnosis, suffer from a chronic condition, or may require surgery, their specialists can help.

Hinge Health Hinge Health is a digital clinic for joint and muscle care. It gets people moving and keeps them moving to reduce unnecessary surgeries and opioid use. It allows you to take control of your pain, recover from injury, and even prepare for surgery. Hinge Health physical therapists demonstrate your exercises and suggest modifications as needed, so you can exercise with ease.

Maven Maven is a personal health platform designed to support you and your loved ones through fertility, family building, menopause, and midlife health. It offers 24/7 access to a dedicated care team, unlimited video visits, and a library of articles, videos, and classes. From fertility guidance, egg freezing, adoption, surrogacy, and male fertility support to menopause symptom relief, nutrition advice, career guidance, and mental and emotional care, Maven provides comprehensive, personalized support at every stage of life.

Teladoc Health Depending on your health situation, you may receive information about one or more of these programs:

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Medical Coverage

Diabetes Prevention – Take your first step toward a healthier tomorrow and reduce your risk of Type 2 diabetes. You’ll get access to a team of expert coaches, a library of online lessons, and a smart scale.

Diabetes Management – A personalized way to help manage diabetes. You’ll receive tools and support to track blood sugar levels and develop healthier lifestyle habits.

Hypertension Management – Take control of your heart health with guidance and a personalized plan. You’ll receive a smart blood pressure monitor that allows you to track your daily numbers, get support, set up reminders, and message a coach, all in one place.

Health Savings Account (HSA) – Optum Bank If you elect the Silver Medical Plan option, you are eligible to participate in the HSA. That is because the Silver option is considered a High-Deductible Health Plan (HDHP) that allows you to participate in an HSA. This account allows you to contribute tax-free money that can be used to pay for eligible health care expenses that are not covered by your medical, dental, or vision care plans.

Here’s how the HSA works: •

Once you enroll in the Silver Medical Plan option, you will be asked if you want to make contributions to an HSA account. If you are a new HSA participant, you will need to set up an account with Optum Bank, the HSA administrator. The account is owned by you and administered by Optum Bank. (If you currently participate in the HSA and have already set up an account with Optum Bank, you will continue to use your existing account.)

•

You can make contributions to your HSA through payroll deductions that come out of your paycheck before taxes are calculated.

•

The funds in your account can be withdrawn at any time to cover eligible health care expenses such as deductibles, copays, and other out-of-pocket medical, prescription drug, dental, or vision care charges, and certain contributions such as COBRA, long-term care, and Medicare. For a complete list of allowable health care expenses, access IRS Publication 502 (irs.gov/publications/p502).

•

Your account balance rolls over from year to year, allowing you to grow a larger balance. Your account can even be used after you leave ABM or when you retire.

For more information about the HSA, access IRS Publication 969 (irs.gov/publications/p969).

18

Medical Coverage

Making HSA Contributions When you elect to contribute to your HSA, you will be asked how much you want to contribute. You must contribute at least $300 to the plan each year you participate.

You can change the amount of your contributions at any time during the year, subject to the maximum annual contribution limits set by the IRS. Please note that any changes made to your contributions outside of the enrollment period will be effective the first of the month following the date you make the change. All contribution amount changes can be made at the ABM Benefits Center on worklife.alight.com/abm.

Participant

Maximum Annual Contribution for 2026

Team member only

$4,400

Team member plus dependent(s)

$8,750

Age 55 and over

Additional $1,000 per year

Using Your HSA Funds Whenever you have an eligible health care expense, such as your deductible, you can use funds in your HSA to pay for this expense. You may either use your HSA debit card (such as at your pharmacy to pay for a prescription drug), or you may pay out of your pocket and reimburse yourself with funds from your account. Here are some important points to remember: •

As with any bank account, you must be sure that there are funds in your account before you use your debit card to pay expenses.

•

If you use HSA funds to pay for expenses that are not eligible, you will pay a 20% penalty plus income taxes on the funds you used. Once you become eligible for Medicare, the 20% penalty no longer applies.

Important HSA Reminders You may not open and fund an HSA if:

19

•

You did not elect the Silver Medical Plan option,

•

You are covered by your spouse’s plan (unless it is also a HDHP),

•

You currently participate in a Health Reimbursement Account (HRA),

•

You make contributions to a Health Care Flexible Spending Account,

•

You can be claimed as a dependent on someone else’s tax return,

•

You are enrolled in Medicare, TRICARE, or TRICARE for Life, and/or

•

You have received Veterans Administration Benefits in the past three months.

Medical Coverage

Minimum Essential Coverage (MEC) – Bay Bridge What is the purpose of a Minimum Essential Coverage (MEC) plan?

MEC plans are designed to offer a minimum level of coverage that starts by providing coverage for preventive/wellness care (as outlined in the Affordable Care Act “ACA”) and certain medical care, as well as savings on prescription drugs.

Although reimbursement is provided for certain major medical issues, such as hospitalization, the reimbursement amount may be minimal in comparison to the overall cost you may incur. MEC plans are appropriate for people who want a basic level of coverage for things such as routine physicals, well-child care, and trips to a doctors’ office or urgent care center.

What is the difference between a traditional medical plan and the MEC plans?

There are many differences between the MEC plans and traditional plans.

It’s important to understand them when making your choice as shown below.

MEC Plans

Traditional Plans

No deductible

Pay deductible

Receive preventive or other medical care

Receive medical care

Plan pays allowable $ reimbursement for preventive care or reimburses you directly for certain medical events

After deductible, plan covers % of eligible cost

You pay remainder

You pay remainder

How does reimbursement work with the MEC plans?

Suppose you’re in the Essential Premium plan and need to go to the emergency room. Assume your charges are $1,000. Your reimbursement is $200. You will pay the remaining $800. (See the chart on page 3 for reimbursement levels.)

How many MEC plans are available?

Three: Basic, Essential Plus, and Essential Premium.

How are the three MEC plans alike?

All MEC plans offer 100% coverage for preventive services and wellness care (as outlined in the ACA). And there are no deductibles to satisfy. Prescription drug benefits are also identical for each level.

How are the three MEC plans different?

The three MEC plans provide different levels of reimbursement. For example, for the 1st day of a hospitalization, the Basic plan provides no coverage, the Essential Plus plan provides $500 reimbursement, and the Essential Premium provides $3,200 reimbursement.

Does Bay Bridge issue hard copy ID cards?

Bay Bridge does not issue hard copy ID cards. ID cards are available electronically through The Health Wallet App. See the next page for how to access the app.

20

Medical Coverage

Does ABM subsidize the cost of any of the MEC plans?

In most cases, ABM subsidizes the cost of the Bay Bridge Basic and Essential Premium plans for full-time team members.

What types of services do the MEC plans cover?

The MEC plans provide health care services in these categories: •

Direct Primary Care (DCP) – Access through Healthcare2U. No ID card needed.

Just call Healthcare2U to set up a visit.

•

Prescription medications – Access through ProCareRx (separate ID card).

•

Preventive care – Access through MultiPlan (separate ID card).

What do I need to do to see a doctor?

All care (except preventive care) must be coordinated through Healthcare2U or no benefit is provided. To reach Healthcare2U by phone: 800.496.2805. You have unlimited Direct Primary Care (DPC) visits with a $10 fee, You have unlimited urgent care visits with a $25 fee. Unlimited access to bilingual licensed medical providers online or by phone, 24/7/365 for minor illnesses and injuries at $0 out-of-pocket cost to members.

What are the benefits for preventive care?

All MEC plans provide complete coverage for preventive care at no cost to you. Preventive care covers services such as physical exams, well-child care, immunizations, screening mammograms, and PSA tests, along with many other services to keep you healthy.

Are prescription medications covered under the MEC plans?

All MEC plans offer discounted pricing for prescription drugs through ProCareRx. You will have access to discounted rates of up to 85% at over 65,000 retail pharmacies across the U.S.

How to Use the Health Wallet The Health Wallet app is where you will find details on your health plan benefits and where you will access your ID cards.

•

Open “The Health Wallet” App.

•

To log in, enter your SSN or Member ID, along with your birthday.

•

Once you are logged in, you will have immediate access to a suite of digital health benefits.

•

Click to access your MEC, Pharmacy and Direct Primary Care ID cards as well as plan information and links to help you utilize your benefits.

Note: Bay Bridge does not issue hard copy ID cards. ID cards are available electronically through The Health Wallet App.

21

Medical Coverage

MEC Benefits

Basic

Essential Plus

Essential Premium

Plan pays 100%

Plan pays 100%

Plan pays 100%

Primary Care Visits

$10 copay (unlimited visits)

$10 copay (unlimited visits)

$10 copay (unlimited visits)

Virtual Visits

100% unlimited visits

100% unlimited visits

100% unlimited visits

Doctor’s Office Visit – Diagnostic/Sick Care

Not covered

$25 reimbursement per visit Two visits per person Four per family per year

$50 reimbursement per visit Two visits per person Four per family per year

Urgent Care Visits

$25 copay (unlimited visits)

$25 copay (unlimited visits)

$25 copay (unlimited visits)

1st Day in Hospital

Not covered

$500 reimbursement

$3,200 reimbursement

2nd & 3rd Day in Hospital

Not covered

$300 reimbursement

$1,000 reimbursement

4th to 60th Day in Hospital

Not covered

$100 per day (reimbursement)

$100 per day (reimbursement)

Inpatient Surgery

Not covered

$500 reimbursement

$1,250 reimbursement

Outpatient Surgery

Not covered

$250 reimbursement

$1,250 reimbursement

Maximum Anesthesia Benefit

Not covered

$100 reimbursement

$200 reimbursement

Emergency Room (illness and accident)

Not covered

Not covered

$200 reimbursement per visit Two visits per person Four per family per year

Ambulance Benefit

Not covered

$25 reimbursement

$75 reimbursement

Radiology Benefits

Not covered

Not covered

Up to $500 reimbursement (varies on type of test)

Tier 1

You pay $10 or less

You pay $10 or less

You pay $10 or less

Tier 2

You pay $20 or less

You pay $20 or less

You pay $20 or less

Tier 3

You pay $40 or less

You pay $40 or less

You pay $40 or less

Tier 4

Discount only

Discount only

Discount only

Wellness Care (ACA Preventive Services) Annual physical exam, well child care, immunizations, screening mammograms, etc.

Doctor Visits & Urgent Care

Inpatient Hospital Benefits

Other Benefits

Prescription Drugs

Reimbursements are paid directly to the team member.

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Medical Coverage

Virtual Visits (UHC and MEC) ABM’s Medical Plan options cover virtual visits that allow you to consult with a doctor from your mobile device or computer. Most visits take about 10-15 minutes.

In some cases, doctors may be able to write a prescription following your virtual visit.

Virtual care can be a great option when you’re a little sick or you’re not sure if you really need to go to the doctor. For instance, you can use it if you have flu-like symptoms. Or you could use it if your child has a sore throat. You can also talk with experienced, licensed psychiatrists and therapists about mental health needs, including anxiety, stress, workplace concerns, and insomnia. This care is available seven days a week, from the privacy of your home.

It also works well for managing some long-term health problems. And if you live far from a specialist, you can get regular follow-up care without having to go to the doctor’s office every time.

When to Use Virtual Visits There are certain times when a virtual visit may make more sense than an in-office visit. Here are some examples: •

Your doctor is not available for an in-office visit,

•

You become ill while traveling,

•

You need help deciding between urgent care or emergency room care.

Virtual visits are not appropriate for: •

Anything requiring a physical exam or test,

•

Complex or chronic conditions, or

•

Injuries requiring bandaging or sprains/broken bones.

Copays for virtual care may vary based on the type of care you receive.

The conditions for which you can request virtual care are constantly expanding. Be sure to check with your provider.

Conditions Commonly Treated Through a Virtual Visit Doctors can diagnose and treat a wide range of non-emergency medical conditions, including the following: •

Anxiety/depression,

•

Migraine/headaches,

•

Bladder infection/ urinary tract infection,

•

Pink eye,

•

Rash,

•

Sinus problems,

•

Skin conditions,

•

Sore throat,

•

Speech therapy, and

•

Stomachache.

•

Bronchitis,

•

Cold/flu,

•

Diarrhea,

•

Fever,

•

Gastrointestinal issues,

How to Access Virtual Visits

UHC: Choose from provider sites where you can schedule a visit. You will pay your portion of the service costs based on the option you select. MEC: Log into your Health Wallet and follow the instructions.

23

Medical Coverage

Dental Benefits – MetLife You may choose dental coverage for yourself and your eligible dependents, even if you do not elect ABM medical coverage. The dental plans are PPOs and use the MetLife Dental network, which means you will pay less when you use an in-network provider. You can select one of two plans: the Premium Dental Plan or the Standard Dental Plan. The chart below shows what you will pay for typical dental services and procedures under each plan.

Premium Dental Plan

Standard Dental Plan

Individual

$25

$50

Family

$75

$150

Calendar year maximum

$3,000 per person

$1,500 per person

Preventive (two cleanings & exams per year; one bite-wing x-ray per year; additional x-ray benefits for children)

No charge; no deductible applied

No charge; no deductible applied

Basic (fillings, crowns, root canals)

30%, after deductible

30%, after deductible

Major (dentures)

50%, after deductible

50%, after deductible

Coinsurance

50%, after deductible

50%, after deductible

Lifetime maximum

$2,500

$1,000

Calendar Year Deductible

Coinsurance

Orthodontics (adults and children)

Note: If you use an out-of-network provider, you will receive the same reimbursement percentage as shown above, but your provider will not be charging the discounted MetLife dental rates.

24

Dental Benefits

Vision Benefits – EyeMed You may choose vision coverage for yourself and your eligible dependents, even if you do not elect ABM medical coverage. Vision benefits are available to help you pay for the cost of caring for your family’s eyesight needs. The plan uses EyeMed’s Insight provider network, giving you many options for finding eye care, including Target, LensCrafters, and Pearle Vision. The chart below shows benefits available under the plan.

Vision Care Services

In-Network Member Cost

Out-of-Network Member Reimbursement

Exam Services (once every calendar year) Exam at PLUS Providers

$0 copay

Up to $50

Exam

$10 copay

Up to $50

Fit and Follow-up – Standard

$0 copay; contact lens fit and two follow-up visits

Up to $40

Fit and Follow-up – Premium

$0 copay; 10% off retail price, then apply $40 allowance

Up to $40

Any available frame at PLUS Providers

$0 copay; 20% off balance over $250 allowance

Up to $100

Frame

$0 copay; 20% off balance over $200 allowance

Up to $100

When you see the icon above, you will know that you are accessing providers that offer even greater bene ts.

Frame (once every calendar year)

Contacts (once every calendar year in lieu of lenses) Contacts – Conventional

$0 copay; 15% off balance over $150 allowance

Up to $120

Contacts – Disposable

$0 copay; 100% of balance over $150 allowance

Up to $120

Contacts – Medically Necessary

$0 copay; paid-in-full

Up to $210

Standard Plastic Lenses (once every calendar year in lieu of contacts) $20 copay

Up to $50

Bifocal

$20 copay

Up to $75

Trifocal

$20 copay

Up to $100

Lenticular

$20 copay

Up to $125

Progressive – Standard

$75 copay

Up to $75

Progressive – Premium Tier 1

$95 copay

Up to $75

Progressive – Premium Tier 2

$105 copay

Up to $75

Progressive – Premium Tier 3

$120 copay

Up to $75

Progressive – Premium Tier 4

$75 copay, 20% off retail price less $120 allowance

Up to $75

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Single Vision

Laser correction surgery discount: If you have laser correction surgery in-network, you will receive a discount of 15% off the retail price or 5% off the promotional price.

This bene t is not available out-ofnetwork.

Retinal Imaging: Up to $39.

Discounted lens options are also available.

Voluntary Short Term Disability* – Aflac Short Term Disability coverage provides added financial resources that can help with medical costs or ongoing living expenses, such as rent, mortgage, or car payments if you become disabled. Here’s how coverage works: •

Benefits are paid when you are sick or hurt and unable to work, up to 60% of your salary (up to 40% in states with state disability). Partial disability benefits are also available.

•

You elect a monthly benefit – from $300 to $5,000. All levels of coverage are automatically available, without providing evidence of your good health.

•

You may only enroll when you first become eligible, during annual benefits open enrollment, or within 31 days of a QLE.

•

Your contributions for coverage are paid through convenient payroll deductions.

•

Coverage is portable, which means you can take it with you if you leave ABM, (provided ABM’s Master Policy remains active).

More information is available at worklife.alight.com/abm.

Voluntary Long Term Disability* – The Standard (formerly NYL GBS)

* If you elect coverage under this plan and are enrolled, you must work at least 16 hours or more per week in order to be eligible for bene ts. If your weekly hours drop below 16, it is your responsibility to drop coverage and be aware that any contributions you have paid will not be refunded.

If you meet the disability definition, you may be eligible to receive a portion of your monthly pre-disability earnings up to a maximum monthly benefit, as shown in the chart below. The duration of your benefits will depend upon your age at the time your disability begins.

Age When You Become Disabled

Monthly Benefit*

Maximum Monthly Benefit

Prior to age 60

50% of your monthly pre-disability earnings

$5,000

5 years

At age 60 or after

50% of your monthly pre-disability earnings

$5,000

Varies depending on your exact age when your disability began

Duration of Benefits

* Benefits are coordinated with any state, Workers’ Compensation, or other benefits you may receive.

Other income may offset benefits.

A few important points:

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•

Benefits begin after 90 days of disability.

•

If you had symptoms or received treatment or medication for any condition during the six months prior to your effective date of coverage, you may not be eligible for VLTD payments if you become disabled for that condition during the first 12 months after your VLTD coverage is effective.

Disability Benefits

Life Insurance with Long Term Care – Chubb An innovative program offered through Chubb allows you to purchase Life Insurance for yourself and your eligible family members, with the added bonus of Long Term Care coverage for you and your spouse. Note: If you have previously purchased this coverage for yourself, you will not be eligible to select additional coverage for yourself in 2026. However, if you have not previously elected coverage for yourself, your spouse and/or children, you may do so during the 2026 Benefits Open Enrollment period.

There are several ways Life Insurance with Long Term Care can work: Use it as Life Insurance – Protect your family with money that can be used in the event of your death. You may also elect coverage for your spouse and/or child(ren).

Use it as Long Term Care (LTC) – If you become chronically ill (as defined by the plan), you can receive 4% your Life Insurance benefit during each month you receive LTC, up to 50 months. Note: The plan defines a Chronically Ill Individual as an Insured who has been certified by a Licensed Health Care Practitioner as: 1) being unable to perform, without substantial human assistance, at least two activities of daily living (bathing, continence, dressing, eating, toileting, and transferring) for a period of 90 days; or 2) the Insured has a severe cognitive impairment that requires substantial supervision to protect the insured from threats to his or her health and safety.

Coverage Options Insured Individual

Life Insurance Coverage Amount

Maximum Benefit

Duration of Coverage

Age Range for First-Time Enrollment

You

$10,000 $25,000 $75,000 $100,000 $150,000

$150,000 (Guaranteed Issue)

Lifetime

Ages 19-70

Spouse

50% of team member’s coverage amount, to a maximum of $25,000

Lesser of 50% of the team member’s coverage Lifetime amount or $25,000

Ages 19-60

Child(ren)

$5,000 - $25,000, in $5,000 increments

$25,000

15 days to age 26*

To age 26

* Child coverage may be converted to individual coverage at age 26, up to five times the elected coverage amount.

For example, if your child’s coverage amount was $10,000 before age 26, this may be converted to $50,000 of coverage after age 26, at the applicable contribution rate.

For more information about the plan and examples of how to use the benefits, please visit worklife.alight.com/abm and click on the Benefits Information tab. Click on Flyers to access a detailed brochure titled Life Insurance with Long Term Care.

You may also click on Important Notices to access the Chubb California Consumer Privacy notice, the LTC Personal Worksheet, and the Chubb Request for Service form. The Request for Service form lets you change your name/address, request a certificate, make billing changes, and more.

27

Life Insurance with Long Term Care

Supplemental Insurance* – Cigna Healthcare Accidental Injury Accidental Injury coverage is designed to help cover out-of-pocket expenses and extra bills related to an accidental injury. When you have an accident, Cigna Healthcare will provide cash benefits directly to you to help cover expenses that may not be fully covered by your medical insurance. You can select either the Low Plan or the High Plan. The benefits paid by the two plans are outlined below.

Low Plan

High Plan

Ambulance (ground)

$500

$750

Ambulance (air)

$1,500

$2,000

Emergency Room Treatment

$250

$350

Urgent Care

$250

$350

Primary Care Physician

$250

$350

Physician Follow-Up

$50

$125

Physical Therapy

$100

$125

Appliance Benefit

$225

$225

Hospital/ICU Admission

$1,000

$1,500

Hospital Confinement (per day benefit)

$200

$300

ICU Confinement (per day benefit)

$400

$600

Burns

Up to $7,500

Up to $10,000

Coma

$5,000

$15,000

Concussion

$100

$200

Tendon, Ligament, and Rotator Cuff

$100 (exploratory) $200 (repair)

$200 (exploratory) $600 (repair)

Dislocations (Separated Joint)

Up to $3,125 (non-surgical) and $9,375 (surgical)

Up to $3,750 (non-surgical) and $11,250 (surgical)

Fractures (Broken Bone)

Up to $3,125 (non-surgical) and $9,375 (surgical)

Up to $6,250 (non-surgical) and $18,750 (surgical)

* If you elect coverage under this plan and are enrolled, you must work at least 16 hours or more per week in order to be eligible for bene ts. If your weekly hours drop below 16, it is your responsibility to drop coverage and be aware that any contributions you have paid will not be refunded.

Hospitalization

Covered Injuries and Surgical Procedures

Wellness Bene t: As part of Accidental Injury coverage, you and your covered dependents can receive $50 (Low Plan) or $75 (High Plan) per calendar year per insured individual for receiving a covered dental exam, vision exam, or health screening.

Screenings include blood tests, chest x-rays, stress tests, mammograms, and colonoscopies. A full list of covered tests is available on worklife.alight.com/abm.

Benefits increase by 25% if your accident occurs during an organized sporting event.

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Hospital Indemnity Hospital Indemnity coverage pays a benefit when you are admitted to the hospital for a covered stay. This coverage is in addition to your medical plan. It can also be used to help pay out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays, and deductibles. Benefits paid by the plan are shown below: Hospital Admission (per confinement, unlimited admission*)

$1,000

Hospital Confinement (per day benefit, limited to 30 days)

$200

Hospital ICU Admission (per confinement, unlimited admission*)

$1,400

Hospital ICU Confinement (per day benefit, up to 15 days per confinement, per 90 days)

$400

Hospital Observation Stay (per day, up to 72 hours total; 12-hour elimination period required); one benefit(s) for each 24-hour period or pro rata period of observation

$100

Newborn Nursery Care Admission (Limited to 1 day, one benefit per newborn child; this benefit is payable to the team member even if child coverage is not elected

$250

* This plan provides coverage for unlimited hospital admissions, which are payable regardless of the number of days between admissions. It also provides coverage for readmission benefits for previously paid conditions that occur after 90 days from the initial hospital admission.

Wellness Bene t: As part of both Hospital Indemnity and Critical Illness coverage, you and your covered dependents can receive $50 per calendar year per insured individual for receiving a covered dental exam, vision exam, or health screening. Screenings include blood tests, chest x-rays, stress tests, mammograms, and colonoscopies. A full list of covered tests is available on worklife.alight.com/abm.

Critical Illness Critical Illness insurance is designed to help you offset the financial effects of a catastrophic illness with a lump sum cash benefit if you or a family member is diagnosed with a covered critical illness. The benefit paid is based on the amount of coverage in effect on the date of the diagnosis of a critical illness or the date treatment is received (according to the terms and provisions of the policy).

You may elect this coverage without medical questions. Coverage is portable, which means you can take this plan with you if you leave ABM. The amount of coverage you may purchase is shown below: •

Team member – Increments of $10,000, up to $30,000.

•

Spouse/domestic partner – Increments of $5,000, up to $15,000.

•

Child(ren) – Increments of $5,000, up to $15,000.

Covered conditions paid at 100% of the elected amount include: cancer, heart attack, heart wall formation, end stage renal (kidney) failure, major organ failure, sickle cell anemia, permanent paralysis as the result of a covered accident, coma as a result of severe traumatic brain injury, blindness, and benign brain tumor.

Additional covered conditions for dependent children: cerebral palsy, and cystic fibrosis.

Covered conditions paid at 25% of elected amount include: advance heart failure, aortic and cerebral aneurysm, pulmonary embolism, coronary artery bypass surgery, carcinoma in situ, Crohn’s disease, advanced obesity, bacterial meningitis, malaria, tuberculosis, necrotizing fasciitis, severe sepsis, and osteomyelitis.

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Your Critical Illness coverage includes enhanced benefits, including a $3,000 Pandemic Infectious Disease benefit payable when you are admitted to and confined in a hospital due to any Pandemic Infectious Disease (PID) hospitalization, including COVID-19. It also includes a $3,000 Musculoskeletal, Endocrine, Heart and Vascular, or Respiratory Admission benefit (one benefit every 12 months) if you are hospitalized due to one of these conditions; cervicalgia (neck pain), intervertebral disc disorders, gout, lumbago (back pain), osteoarthritis, rheumatoid arthritis, scoliosis, spinal stenosis, spinal arthritis, or spondylopathy. Please see your plan documents for a full list of covered conditions.

Cigna Healthcare Supplemental Health Solutions The services listed below are included with your Accidental Injury, Hospital Indemnity, and Critical Illness benefits — at no additional cost to you.

Mental Health Resources Find expert advice and information about mental health issues. Free phone seminars are conducted by experts who can help you learn about common issues, as well as offer coping techniques and support. Seminars are open to you, your parents, your caregivers, and your loved ones. Registration is not required.

Visit Cigna.com/MentalHealth for the seminar schedule.

My Secure Advantage (MSA) •

Full-Service Financial Wellness Program – You and members of your household can work with a money coach for 30 days for help with basic money management, debt, saving for college or retirement, purchasing a home, marriage or divorce, loss of income, and a death in the family. Through an online portal, you can communicate with your money coach, view educational webinars, and access financial tools. After the initial 30-day period, self-pay is $39.95 per month.

•

Identity Theft Protection – Includes a free 30-minute consultation with a fraud resolution specialist and a fraud resolution kit for victims of identity theft.

You can also learn how to better protect yourself from identity theft.

•

Legal Consultations – Create and execute state-specific wills, powers of attorney, and other important legal documents online. Then use your legal consultation benefits to obtain a qualified attorney’s review.

Visit Cigna.MySecureAdvantage.com.

Healthy Rewards® Access to discounts on a variety of health and wellness areas, such as: •

Fitness club memberships and fitness devices,

•

Meal delivery,

•

Alternative medicine (acupuncture, chiropractic services, massage therapy, podiatry, physical and occupational therapy, etc.),

•

Vision care, LASIK surgery, hearing aids, and

•

Yoga products and virtual workouts.

Visit myCigna.com to determine available discount programs.

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Supplemental Insurance

Pre-Tax Commuter & Parking – WEX ABM provides a transit benefit that lets you save money on commuter and parkingrelated expenses. You can use pre-tax dollars to pay for bus/subway/ferry tickets, passes, and tokens, vanpool fares, commercial parking, and commuter parking costs. Set aside pre-tax dollars from your paychecks, as follows: •

Mass transit/public transportation – Up to $340 per month (2026 limit).

•

Parking expenses – Up to $340 per month (2026 limit).

Eligibility begins on the day you are hired; you may enroll as soon as administratively practicable. Enroll by visiting the ABM Benefits Center at worklife.alight.com/abm.

Use your debit card (the same debit card as your FSA, if enrolled) at the kiosk to purchase a daily, weekly, or monthly pass. Or use your debit card to automatically load a recurring pass with the transit authority.

Once your enrollment is loaded in the system and funds are reflected, you can begin to spend them.

If your election is made before the 15th of the month, it will be effective the first of the month following the date you make it. For example, an election made January 5th will be effective February 1st. If your election is made on or after the 15th of the month, it will be effective the first of the next month. For example, an election made January 15th will be effective March 1st.

If you use the SmartCommute program (Washington, D.C./WMATA area, Atlanta, Chicago, and San Francisco), place your order for a monthly pass by the 10th of the month for the pass to be effective the first of the following month. (You would need to place your order by January 10 in order to have your pass for February.)

Note: Funds are not tied to a calendar year and can be used to reimburse future qualified expenses, subject to certain limits.

IMPORTANT: This program is subject to certain IRS rules and regulations and funds may only be used to reimburse quali ed expenses. Refunds of unused funds are not permitted. If you terminate employment with ABM, you will forfeit any unused pre-tax funds.

Pre-Tax Commuter & Parking fi

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Employee Assistance Program (EAP) – TELUS Health (Full time team members only) Your overall well-being and happiness depend on balancing your life at home and your life at work. To assist in achieving this balance, ABM encourages you and your family to ease the stress of challenging situations by contacting the EAP. The EAP can help you address a wide range of work and personal issues. You and your eligible dependents may call the EAP 24/7/365 and speak to a client care representative who can assess your needs or concerns. You will then be eligible for up to six face-to-face, phone, or video sessions per issue per year. If additional sessions are necessary, you may negotiate discounted rates with your counselor.

You don’t need to enroll to use the EAP – you are automatically enrolled. Use of the EAP is 100% confidential and voluntary.

With the mobile app, you can access qualified support for your mental, physical, social, and financial well-being, at any time, from anywhere. Here’s how it works: •

Search for resources and tools on topics ranging from family and life to health, money, and work.

•

Access well-being assessments and self-guided digital therapy programs.

•

Take advantage of Perks, helping you save money on daily essentials and luxuries from top brands and retailers.

•

Access noncritical moment support services to help: ▪

Achieve well-being,

▪

Manage relationships and family,

▪

Deal with workplace challenges,

▪

Tackle addictions,

▪

Find child/elder care services,

▪

Get legal advice,

▪

Get financial guidance,

▪

Improve nutrition, and

▪

Get support for your physical health.

You can reach the EAP by phone, web, or mobile app. There is no cost to you or your eligible dependents.

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Employee Assistance Program

Pet Insurance – MetLife With MetLife Pet Insurance, you can feel confident that the health of your pets and your wallet are protected if you’re faced with an unexpected trip to the vet.

Coverage is available for accidents, illness, cancer, diabetes, and more.

Key features include: •

Flexible coverage, with up to 90% reimbursement.

•

Freedom to visit any licensed U.S. vet.

•

Optional preventive care coverage (for flea and tick treatments, spay and neuter, heartworms, teeth cleaning, and more).

•

24/7 access to Telehealth Concierge Services.

•

Discounts and offers on pet care.

•

Coverage of pre-existing conditions when switching providers.

•

MetLife Pet mobile app to submit and track claims, manage your pet’s health and wellness, and find nearby pet services.

In certain states, you can also cover exotic animals, including avian, reptiles, hamsters, rabbits, and more.

This coverage is available for exams, diagnostics, treatments, and wellness.

Here are easy instructions to participate.

A link is available on the ABM Benefits Center at worklife.alight.com/abm that will redirect you to MetLife’s enrollment site. You will be asked to: 1. Select and enroll in the coverage that’s best for you and your pet.

2. Download the mobile app.

3. Take your pet to the vet.

4. Pay the bill within 90 days and submit it with your claim documents via the MetLife Pet mobile app, online portal, email, fax, or mail.

5. Receive reimbursement by check or direct deposit if the claim expense is covered.

Additional information is available at the ABM Benefits Center on worklife.alight.com/abm.

33

Pet Insurance

Identity Theft Protection – Norton LifeLock Norton LifeLock Benefit Plans provides innovative security features and identity restoration services to individuals and families. Help protect your identity and devices with either our Benefit Essential or Benefit Premier plans. (Refer to the information on worklife.alight.com/abm for details.)

This coverage provides: •

Device security – Access anti-virus software and multi-layered, advanced security to help protect devices against existing and emerging threats, including malware and ransomware.

•

Online privacy – Protect your devices and help keep online activity and browsing history private. Privacy Monitor scans common public people-search websites to help you opt-out. And SafeCam alerts you and blocks attempts to access your webcam.

•

Identity – Monitor fraudulent use of personal information and send alerts when a potential threat is detected.

•

Home and Family – Take action to monitor your child’s online activity with easyto-use tools to set screen time limits, block unsuitable sites, and monitor search terms and activity history.

To enroll, you must setup both your phone number and email address on the ABM Benefits Center at worklife.alight.com/abm at the time of enrollment. Please note that Norton LifeLock does not monitor all transactions.

Please visit: Norton.com/benefitplans to learn more.

MetLife Personal Finance App The MetLife Personal Finance App has smart tools and customizable features that can help support your financial goals.

•

Take an interactive financial assessment.

•

Identify opportunities to reduce your monthly bills.

•

Cancel unwanted subscriptions.

•

Build personalized budgets.

Download the MetLife Personal Finance App from the App Store or Google Play today.

34

Identity Theft Protection & Personal Finance App

Legal Services – MetLife This plan gives you a cost-effective way to access a network of experienced attorneys to help you and your family members with an array of legal situations, including: •

Money matters

•

Civil lawsuits

•

Home & real estate

•

Elder-care issues

•

Estate planning

•

Traffic & other matters

•

Family & personal

With this plan, you pay a monthly cost for coverage and receive no bills when you receive covered legal services. You choose between the High Plan or Low Plan. A complete list of covered services can be found in the Legal Services Overview, available at worklife.alight.com/abm. Click on the Benefits Information tab and then click on Flyers.

There are no waiting periods, no deductibles, and no claims form when you use a network attorney for a covered matter. Network attorneys are available in person, by phone, or by email and online tools. You always have a choice in which attorney to use. You can choose from MetLife’s network of prequalified attorneys or use an attorney outside the network and be reimbursed a portion of the cost.

In addition, MetLife’s website provides you with the ability to create wills, living wills, and powers of attorney online in as little as 15 minutes. Answer a few questions about yourself, your family, and your assets to create these documents instantly.

In state where available, you also have access to sign and notarize your documents online through our video notary feature.

Please keep in mind that if you elect Legal Services coverage, it will remain in effect throughout 2026, unless you experience a QLE.

Marketplace Mall – Beneplace Enjoy access to exclusive group discounts on a wide range of voluntary insurance options—helping you protect what matters most. Easily compare auto, home, renters, and condo insurance rates from multiple providers all in one place to ensure you’re getting the best deal.

Through ABM’s Marketplace Mall, you can unlock thousands of special offers and savings, all at no cost to you. It’s your one-stop shop for discounts on everyday essentials, services, and experiences, with new deals added every week. Categories include:

35

•

Auto, home, and pet insurance

•

Loan and refinancing services

•

Health and wellness programs

•

Tax and real estate services

•

Fitness memberships and equipment

•

Investment resources

•

Meal services and nutrition plans

•

Travel deals (cruises, hotels, and car rentals)

•

Eyewear and skincare

•

Electronics (computers, laptops, and tablets)

•

Online therapy and mental health tools

Legal Services & Marketplace Mall

Gym & Wellness Resources – Wellhub Wellhub gives you access to thousands of fitness facilities and a platform of digital wellness resources, with one single membership. There is also a “free tier” that gives you access to 10 different premium resources, such as MyFitnessPal, Sleep Cycle, Gym Life, and more. With Wellhub, you can experience: •

Gym Network – Access to thousands of gyms and fitness facilities nationwide, with top brands including Life Time, LA Fitness, Barry’s Bootcamp, SoulCycle, and much more.

•

Live Streamed Classes – Stream live fitness classes from the comfort of your own home, including yoga, strength training, Pilates, and HIIT.

•

Virtual Personal Training – Take up to eight one-on-one training sessions per month to get personalized attention.

•

On-Demand Wellness Content – Browse a library of 20+ app partners across fitness, meditation, mental wellness, and nutrition.

•

Wellbeing Services Menu – Wellhub offers free monthly classes and introductory webinars to learn more about Wellhub.

You can create a Wellhub account at any time during the year, not just during Benefits Open Enrollment. For rates and more information, visit the Wellhub website or download the Wellhub app. Use your ABM team member Unique ID to register for free and explore what Wellhub has to offer. Your Unique ID is your Employee ID. If you are a Legacy Able team member, your Unique ID is your Employee ID, preceded by the letter A (for example, A12345).

36

Gym & Wellness Resources

ABM 401(k) Employee Savings Plan – Merrill Depending on your work status, location, and inclusion under a Collective Bargaining Agreement (CBA), you may have access to the 401(k) Plan described in this section. Contact Merrill for eligibility information.

ABM’s 401(k) Employee Savings Plan is an effective way to save for your future, defer taxes, and receive a generous ABM match. You are eligible to make personal contributions beginning the first of the month following 30 days of employment.

You are eligible for the ABM match beginning the first of the month following six months of employment. Rehired team members who previously qualified for the 401(k) Plan are eligible upon rehire.

Two Contribution Types – Make traditional pre-tax contributions, Roth 401(k) contributions, or a combination of both. Derive potential tax benefits now or later, depending on the option you choose.

•

With traditional pre-tax contributions, you reduce your current taxable income and pay taxes on these contributions and their earnings at a later date.

•

With after-tax Roth contributions, you pay taxes now, so you will not need to pay taxes on these amounts at a later date. And Roth earnings are generally tax-free if a qualified distribution is taken.

Both pre-tax and Roth contributions are subject to certain IRS limits each year.

Consider what your tax rate will be in retirement to see which contribution type may be right for you.

Maximum Contribution Amount – Once eligible, you may contribute up to 50% of your eligible earnings on a pre-tax basis, up to the annual IRS limit ($24,500 in 2026).

Catch Up Contributions – If you reach age 50 in 2026 or are already older than 50, you can defer additional amounts called “Catch Up Contributions,” up to the annual Catch Up amount ($8,000 in 2026). If you are ages 60-63 in 2026, you are eligible for additional Super Catch Up Contributions (up to $11,250 in 2026). Note: Beginning January 1, 2026, Catch Up Contributions must be made on a Roth basis if you earned more than $145,000 (indexed) in FICA wages in the prior calendar year.

Company Match – In addition to your contributions, ABM may pay into your savings account if you choose to contribute to the account. Matching contributions, if any, from ABM will help your savings grow at an even faster rate.

Vesting – Your contributions and match are immediately vested. This means you have a non-forfeitable right to all money in your account.

Investment Options – Merrill offers a variety of investment options. If you are not sure how to invest the money in your account, a Merrill representative can offer guidance.

One-Stop Account Management – Go to Benefits OnLine at benefits.ml.com to enroll, see available investment options, change your contributions, change your investment elections, and designate a beneficiary.

37

ABM 401(k) Employee Savings Plan

Employee Stock Purchase Plan (ESPP) – Merrill At ABM, you’re not just a team member. You can also be a Company owner. The ESPP is a convenient way to purchase ABM common stock through payroll deductions at a 5% discount. Once enrolled, you can purchase ABM common stock each quarter through payroll deductions (minimum 1%, maximum 10% of your base pay).

The Company provides a 5% discount on the stock price to team members. The price per share of stock will be 95% of the average of the high and low ABM stock price on the last trading day of purchase month (March, June, September, December). Additionally, you save money because there is no commission charged to purchase the stock. Below is the annual schedule for each offering period: Enrollment Window

Offering Period

Contribution Rate Changes1

Lock-out Period (15 days)2

April 1 - June 15

July 1 - September 30

July 1 - September 15

September 16 - 30 September 30

July 1 - September 15

October 1 - December 31 October 1 - December 16

Purchase Date3

December 17 - 31

December 31

October 1 - December 16

January 1 - March 31

January 1 - March 16

March 17 - 31

March 31

January 1 - March 16

April 1 - June 30

April 1 - June 15

June 16 - 30

June 30

1 Modifications include a change in contribution percentage or an election to withdrawal/stop participation.

2 During lock-out period, you cannot make any elections (enrollment, change in contribution percentage or

withdrawal) in the system.

3 Purchase will be on or around this date, if these dates fall on a weekend, it will be the Friday before the weekend.

It's easy to set up access to your ESPP on Benefits OnLine® (see QR code).

•

Go to Benefits OnLine at benefits.ml.com, select “Create your User ID now” and follow the prompts. You’ll need your Social Security number. If you already have a User ID and password for Benefits OnLine, you do not need to create new ones.

•

Open the brokerage account you'll need for your ESPP. After you log in, select your ESPP’s name on the “Home” page and go to “Brokerage/Sell Shares.” Then, select “Open an Account” and follow the prompts.

For more information about getting started, view your ESPP Guide, which is available in the “Documents” section of Benefits OnLine.

Eligibility and Plan details are explained in the ESPP Guide and the ABM Employee Stock Purchase Plan Prospectus, available at Benefits OnLine. You should read the Prospectus carefully before you decide to participate in the ESPP. To amend, suspend, cancel or resume your contributions, visit benefits.ml.com, go to “Offering Summary” and select an option from the “Actions” dropdown menu.

38

Employee Stock Purchase Plan

Directory of Resources Below is a directory of all benefits plans offered by ABM. Check your benefits materials for eligibility information. If you have questions, contact the administrator shown below.

ABM Benefits Center

833.938.4635 Fax: 866.616.3558 Mon – Fri, 7 a.m. – 7 p.m. CT worklife.alight.com/abm

Medical/Pharmacy – UHC (or UHC Charter) 855.ABM.3456 or 855.226.3456 myuhc.com Policy #743018 Network: Choice Plus (or UHC Charter)

Medical/Pharmacy – Kelsey-Seybold

Concierge: 713.442.2304 24-Hour Appointment Scheduling: 713.442.0000 After Hours Nurse Hotline: 713.442.0000 kelsey-seybold.com

Medical/Pharmacy – Surest (Choice/Health) 866.683.6440 Benefits.Surest.com or Surest app Group #78800282 Network: UHC Choice Plus

Medical/Pharmacy – Kaiser Permanente choose.kp.org/abm California English: 800.464.4000 Spanish: 800.788.0616 Mandarin/Cantonese: 800.757.7585 Northern California Policy #9038 Southern California Policy #102205 Colorado 800.632.9700 Policy #26937 Georgia 404.261.2590 Policy #9334 Hawaii Oahu: 808.432.5955 Outside Oahu: 800.966.5955 Policy #15043 Mid-Atlantic States (Maryland, Virginia, Washington, D.C.) 800.777.7902 Policy #18284 Washington 888.901.4636 Policy #979600 Northwest (Oregon & Southern Washington State) 800.813.2000 Policy #14332 39

Directory of Resources

Medical/Pharmacy – Bay Bridge MEC Bay Bridge Administrators 800.845.7519 bbadmin.com Preventive care: Group #732 Hospital indemnity: Group #27974 Healthcare2U (virtual, primary, & urgent care visits) 800.496.2805 Multiplan PHCS (find a preventive care provider) 800.922.4362 multiplan.us ProCare Rx (pharmacy) 855.828.1484 memberaccess.procarerx.com/account/login

Medical/Pharmacy – HMSA 800.776.4672 hmsa.com Policy #63394

Medical/Pharmacy – Medica 952.945.8000 medica.com/members Group #78800282 Network: UHC Choice Plus

Medical/Pharmacy – Triple S 800.981.3241 ssspr.com servicioalcliente@ssspr.com

Special Medical Programs

(Included with UHC, Kelsey-Seybold, & Surest) 2nd.MD 866.269.3534 2nd.md/abm Hinge Health 855.902.2777 hinge.health/abmindustries help@hingehealth.com Maven mavenclinic.com/join/benefit support@mavenclinic.com Teladoc Health 800.TELADOC (800.835.2362) teladoc.com (Registration code: ABM) help@teladochealth.com

Dental – MetLife

800.942.0854 metlife.com/mybenefits Policy #305807 Network: PDP

continued

Dental – Hawaii Dental Service 808.529.9248 hawaiidentalservice.com CS@hawaiidentalservice.com Policy #1588

Dental – WDS Delta Dental (King County) 800.554.1907 deltadentalWA.com Group #00780 Network: PPO and Premier

Vision – EyeMed

866.800.5457 eyemed.com Policy/Group ID #1018671 Network: EyeMed Insight

COBRA – UHC 866.747.0048 uhcservices.com

Life with Long Term Care – Chubb

Claims & policy questions: 855.241.9891 Fax: 603.352.1179 Claims: claims@gotoservice.chubb.com Policy questions: csmail@gotoservice.chubb.com

Disability, Life, & AD&D – The Standard

855.204.3126 for Standard Insurance Company (for all calls, except for NY) 855.204.3127 for The Standard Life Insurance Company of New York (for NY DBL) standard.com Policy # varies by type of coverage

Value Added Services Life Services Toolkit – Health Advocate℠ (included with Basic Life and AD&D insurance) 800.378.5742 English: standard.com/eforms/17526.pdf Spanish: standard.com/eforms/17526spu.pdf Travel Assistance – Assist America, Inc. (included with Basic Life insurance) 800.872.1414 English: standard.com/eforms/14684.pdf Spanish: standard.com/eforms/14684spu.pdf Health Advocacy (provided by Health Advocate℠) (included with Short Term Disability insurance) 844.450.5543 English: standard.com/eforms/18390.pdf Spanish: standard.com/eforms/18390spu.pdf Health Advocacy (provided by Health Advocate℠) (included with NY DBL Disability insurance) 844.450.5543 English: standard.com/eforms/18390.pdf Spanish: standard.com/eforms/sny18390spu.pdf

Supplemental Insurance – Cigna Healthcare Accidental Injury, Critical Illness, Hospital Indemnity Claims/questions: 800.754.3207, Option 2 CignaSupplementalHealthPlans.com Policy # varies by type of coverage Claims filing: myCigna.com

Supplemental Health Solutions – Cigna Healthcare

(included with Cigna’s Supplemental Insurance) Mental Health Resources Cigna.com/MentalHealth My Secure Advantage 833.920.3895 Cigna.MySecureAdvantage.com Healthy Rewards 800.258.3312 myCigna.com

Voluntary Short Term Disability – Aflac 800.433.3036 aflacgroupinsurance.com Group #24523

HSA – Optum Health Bank 866.234.8913 Optumbank.com

FSA/Commuter – WEX 866.451.3399 Claims fax: 866.451.3245 wexinc.com

Employee Assistance Program (EAP) – TELUS Health 888.851.7032 Puerto Rico: 877.847.4530 one.telushealth.com Username: ABM (ABMPR in Puerto Rico) Password: MyEAP

Pet Insurance – MetLife

800.GET.MET8 or 800.438.6388 metlife.com/getpetquote

Identity Theft Protection – Norton LifeLock 800.607.9174 my.norton.com

Legal Services – MetLife 800.821.6400 Mon – Fri, 8 a.m. – 8 p.m. ET members.legalplans.com

Marketplace Mall – Beneplace 800.683.2886 abm.savings.beneplace.com

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Directory of Resources

Gym & Wellness Resources – Wellhub wellhub.com/en-us Help center: support.wellhub.com Download the Wellhub app

ABM 401(k) Employee Savings Plan – Merrill 800.813.9323 800.228.4015 888.221.9867 benefits.ml.com

Employee Stock Purchase Program (ESPP) – Merrill 800.813.9323 benefits.ml.com

41

Directory of Resources

This Benefits Enrollment Guide (Guide) is intended to highlight some of the major provisions of ABM’s benefits plans and is not to be relied upon as a complete or detailed representation of these plans. Please refer to the Summary Plan Descriptions (SPDs) for further details on the benefits plans. Should this Guide differ from the SPDs, the SPDs prevail. The benefits plans described in this Guide may be amended, changed, or terminated by ABM at any time without prior notice to, or consent by, team members to the maximum extent permitted by law. The benefits plans do not create any contractual relationship between ABM and any team member, nor an obligation by ABM to maintain any particular benefits plan, program, or process. For positions covered by a union contract, wages and benefits are determined by the applicable union contract and may differ from the benefits plans described in this Guide.