HOLLAND AMERICA LINE N.V. 401(K) PROFIT SHARING PLAN Contribution & Employer Match

HOLLAND AMERICA LINE N.V. 401(K) PROFIT SHARING PLAN Average Participant Retirement Account Value

HOLLAND AMERICA LINE N.V. 401(K) PROFIT SHARING PLAN Estimated Average Employee Contribution Amount

• Under the salary deferral 401(k) portion of the Plan, participants may contribute from 1% to 75% of annual pre-tax or Roth after-tax compensation to the Plan, within statutory limits.
• Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
• Participants may also contribute amounts representing distributions from other qualified plans.
• Participants may make voluntary nondeductible (after-tax) contributions to the Plan; however, these contributions cannot exceed 7% of an employee’s base compensation.
• Participants may elect to change or stop the payroll deductions at any time.
• Effective May 1, 2024, newly hired land-based employees are automatically enrolled into the Plan.
• Deferrals begin 90 days after eligibility at a rate of 3% of eligible compensation, as defined in the Plan document.
• Participants may elect to change or stop deferrals at any time.
• Shipboard employees are excluded from this automatic enrollment feature.

• For land-based employees, the Company matches 1/3 of the first 6% of compensation that a participant contributes to the Plan.
• Shipboard employees receive matching contributions equal to 50% of the first 6% of compensation that a participant contributes to the Plan if the employee has five years of service or less, or 100% of the first 6% of compensation if the employee has more than five years of service.