Welcome to Your Annual Benefits Enrollment for 2025!

A Message From Waters

Dear Colleague,

Our benefits are one component of our Total Rewards and how we invest in you and what you need to thrive. Our Total Rewards portfolio, including compensation, recognition, benefits, and work-life effectiveness, are intended to help you achieve success at work and beyond and to realize the goals of a rewarding career, a healthy life, and a secure future!

Waters is proud to provide a robust set of comprehensive benefit offerings that are comprised of an ecosystem of accessible programs, services, tools and resources designed to be competitive, inclusive and delivered in a way that meets the employee where they are personally and professionally.

This guide helps you understand your benefit offerings and explains how to select the ones that best fit you and your family’s needs. Please be sure to complete your elections within the enrollment period (this is explained in this eGuide).

Sincerely,

Robert DiFabio

Senior Director, Global Benefits and Mobility

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This eGuide is only a summary of the programs available to Waters U.S. employees. For additional information, including the official plan documents, summary plan descriptions (SPDs), certificates of coverage, insurance policies, Summary of Benefits and Coverages (SBCs), etc., please find those linked throughout this eGuide in each application section. In the event of a conflict between this eGuide and the official plan documents or insurance contracts, the official plan documents and insurance contracts will govern in all cases.

Investing involves risk, including risk of loss.

This document provides only a summary of the main features of the plans, and the plan documents will govern in the event of any discrepancies.

The Fidelity® HSA® Debit Card is issued by PNC Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Fidelity is not affiliated with PNC Bank or BNY Mellon. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank pursuant to a license from Visa U.S.A. Inc.

Fidelity retail products and services are offered separately from your employer-sponsored retirement plan.

The third parties mentioned herein and Fidelity Investments are independent entities and are not legally affiliated.

The third-party trademarks and service marks appearing herein are the property of their respective owners.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

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