Nu Skin Enterprises, Inc. (the "Company") entered into a Second Amendment and Restatement Agreement on March 27, 2026, for a new Second Amended and Restated Credit Agreement. The new credit agreement provides for a $175 million term loan facility and a $75 million revolving credit facility, both with a five-year term. The term loan facility was fully drawn on the Closing Date, and the proceeds were used to repay all outstanding amounts under the Company's existing credit agreement dated June 14, 2022. Proceeds from the new credit facilities are permitted for working capital, capital expenditures, and other lawful general corporate purposes, including investments, acquisitions, stock repurchases, and dividends not prohibited by the loan documents. The term loan facility will amortize in quarterly installments, resulting in an annual amortization of 10.0% per annum, with the remainder due at final maturity. Loans bear interest at the Company's option, either Term SOFR plus an initial spread of 1.75% per annum or Base Rate plus an initial spread of 0.75% per annum, both subject to adjustment based on the consolidated leverage ratio. The obligations under the credit agreement are guaranteed by certain material domestic subsidiaries and secured by a lien on the capital stock of material subsidiaries. The Company is required to maintain a consolidated leverage ratio not exceeding 2.25 to 1.00 and a consolidated interest coverage ratio of no less than 3.00 to 1.00.