G-FLPR

2026

Benefits Enrollment Guide FRONTLINE (PUERTO RICO)

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

G-FLPR 8.3.26

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.

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.

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

5 About This Guide 6 6 6 7 7 8 8 9 9 10 10 10 11 11 11 12 13 13 14

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 15 Disability Benefits 16 Life & Accidental Death & Dismemberment Insurance 17 Value Added Services 19 Life Insurance with Long Term Care

20 Employee Assistance Program (EAP) 21 Pet Insurance

21 MetLife Personal Finance App

22 Legal Services

22 Marketplace Mall

23 Gym & Wellness Resources

24 ABM 401(k) Employee Savings Plan

25 Employee Stock Purchase Plan (ESPP)

26 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.

•

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).

•

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.

•

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).

•

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

•

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.

•

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 10.

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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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.”

▪

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

▪

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

▪

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.

▪

Confirm security by selecting “Continue.”

▪

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.)

▪

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

▪

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

•

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

•

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.

•

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.

•

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

•

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

•

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

•

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.

•

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

•

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.

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: Hospital certification is 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.

▪

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.

▪

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 – Triple-S Your Medical Plan coverage also includes certain Dental and Vision benefits. Please see your Triple-S plan summary for details.

Triple-S — Medical and Pharmacy Benefits Calendar Year Deductible Individual

$0

Family

$0

Out-of-Pocket Maximum Individual

$6,350 (including prescription drugs)

Family

$12,700 (including prescription drugs)

Physician Office Visits Wellness/Preventive

No copay

Primary Care Physician

$10 copay; $0 copay at SALUS Clinics

Specialist

$15 copay; $0 copay at SALUS Clinics

Virtual Visits (routine)

$10 copay

Urgent Care

$15 copay

Lab/X-Ray/Radiology (in physician’s office) 25% coinsurance; 0% coinsurance at SALUS Clinics Hospital Services Inpatient

$50 copay/admission at preferred hospital; $100 copay/admission at non-preferred hospital

Outpatient Facility

$50 copay

Outpatient Professional Fees

No charge

Emergency Room

$75 copay

Mental Health/Substance Abuse Inpatient

$50 copay/admission at preferred hospital; $100 copay/admission at non-preferred hospital

Outpatient

$15 copay; $0 copay at SALUS Clinics

Prescription Drugs

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Generic

$5 copay; $10 copay mail order

Preferred Brand

$15 copay; $30 copay mail order

Non-Preferred Brand

20% coinsurance, minimum $20; 15% coinsurance, minimum $40 mail order

Preferred Specialty

20% coinsurance, maximum $100

Non-Preferred Specialty

20% coinsurance, maximum $100

Medical Coverage

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, Social Security, 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

Voluntary Life Insurance* – The Standard (formerly NYL GBS)

Special Enrollment Opportunity During this Benefits Open Enrollment, you may apply for or increase your Voluntary and Dependent Life Insurance up to the guaranteed issue (GI) amount listed below with no medical questions asked. New hires are also offered this opportunity. Amounts elected above the GI will require medical history, also known as providing Evidence of Insurability (EOI), and are subject to approval by The Standard. If you elect or change coverage during the year due to a QLE, you will be required to provide EOI. For You – Up to $25,000.

* 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.

For Your Spouse – Up to $25,000.

For Your Child(ren) – $2,000, $5,000 or $10,000 (all guaranteed issue without EOI).

Able Legacy team members: See the important information on page 28.

Coverage for You You may purchase Voluntary Life Insurance for yourself, subject to the following: Insured Coverage Individual Amount

You

Option of: $10,000 $25,000 $50,000

Guaranteed Issue Amount

Maximum Benefit Amount

Duration of Coverage

$25,000

$50,000

No age restrictions

Coverage for Your Dependents If you purchase Voluntary Life Insurance for yourself, you may purchase Voluntary Dependent Life Insurance for your spouse and/or child(ren), subject to the following:

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Insured Individual

Coverage Amount

Guaranteed Issue Amount

Maximum Benefit Amount

Spouse

Option of: $10,000 $25,000 $50,000

$25,000

Lesser of $50,000 or 100% of team To age 70 member’s VLI benefit

Child(ren)

Option of: $2,000 $5,000 $10,000

Duration of Coverage

Live birth through age 25 $10,000

Disability Benefits & Life Insurance

$10,000

Age 26 and older and meets the requirements of a Disabled Child

Voluntary AD&D Insurance* – The Standard (formerly NYL GBS) Coverage for You You may purchase Voluntary AD&D Insurance for yourself, subject to the following: Insured Individual

Coverage Amount

Maximum Benefit

Duration of Coverage

You

Option of: $10,000 $25,000 $50,000

$50,000

No age restrictions

Coverage for Your Dependents If you purchase Voluntary AD&D Insurance for yourself, you may purchase Voluntary AD&D Insurance for your spouse and/or dependent child(ren), subject to the following: Insured Individual

Coverage Amount Maximum Benefit

Spouse

Option of: $10,000 $25,000 $50,000

Child(ren)

Option of: $2,000 $5,000 $10,000

Duration of Coverage

Lesser of $50,000 or 100% of team member’s To age 70 VAD&D benefit Live birth through age 25 $10,000

Age 26 and older and meets the requirements of a Disabled Child

Value Added Services The services below are included with your Life/AD&D Insurance and/or Short Term Disability coverage.

Life Services Toolkit (provided by Health Advocate℠) (included with Life/AD&D Insurance)

This benefit offers an array of services to you and your beneficiaries. There are various estate planning services available to you, such as will planning, funeral planning, and document drafting (power of attorney and advance directives).

Your beneficiaries also have access to up to six face-to-face confidential grief support sessions, telephonic counseling, and individualized grief support kits.

This benefit also provides professional financial, legal, and estate services.

These include free online will preparation, a 30-minute counseling session by phone with a certified consumer credit counselor or financial planner, unlimited telephone consultation with a legal advisor and a free 30-minute face-to-face consultation, and up to a 25% discount on legal services. For additional information and services, click here.

fi

17

Disability Benefits & Life Insurance

* 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.

Travel Assistance (provided by Assist America) (included with Life/AD&D Insurance)

Travel Assistance can help team members and their families prepare for trips and during critical situations while away from home. The program can assist participants with finding qualified medical providers, legal services, or with the replacement of lost credit cards and passports. To learn more, click here.

Important Life & AD&D Insurance Provisions Accelerated Benefit If you are diagnosed with a terminal illness while the coverage is active, with a life expectancy of 12 months or less, you may receive a portion of your Basic Life Insurance (and Voluntary Life Insurance for you and/or your spouse, if enrolled) benefit in a lump sum. Your death benefit will be reduced by any accelerated payment made. Certain limits apply.

Portability and/or Conversion Options If your employment ends or you are no longer in an eligible class, you have 60 days from that date to continue all or part of your Life and/or AD&D Insurance (Basic, Voluntary, and Dependent), and/or Long Term Disability coverage. Please keep in mind: •

The Standard will mail a letter to your address on file outlining your continuation options.

•

Because these options have strict deadlines, contact The Standard directly if you do not receive the letter within 30 days.

•

Age limits may apply, and premiums will increase if you choose to continue coverage.

For more information, contact The Standard at 800.378.4668. Plan certificates are available on worklife.alight.com/abm for full details.

Naming a Beneficiary Certain plans require you to name a beneficiary who will receive the benefit in the event of your death. It is important to keep your beneficiary designations up to date, particularly if you have a QLE that may change your family situation.

You can update your beneficiary designation at any time or find summaries of these plans on the enrollment portal at worklife.alight.com/abm.

18

Disability Benefits & Life Insurance

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.

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Life Insurance with Long Term Care

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.

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.

21

Pet Insurance & 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:

22

•

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).

23

Gym & Wellness Resources

ABM 401(k) Employee Savings Plan – Merrill Depending on your work status, location, and inclusion under a union contract, 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.

Pre-Tax Contributions – With traditional pre-tax contributions, you reduce your current taxable income and pay taxes on these contributions and their earnings at a later date. Pre-tax contributions are subject to certain IRS limits each year.

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.

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. If you are ages 60-63 in 2026, you are eligible for additional Super Catch Up Contributions.

Company Match – ABM will match the first 3% and half of the next 2% of your eligible compensation that you contribute. To receive the maximum Company Match of 4%, you need to contribute 5% of your eligible compensation. For example, if you make $50,000 and contribute $2,500 (5%), ABM will contribute an additional $2,000.

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.

24

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.

25

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 26

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

continued 27

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

28

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.