2018 Q2 LIFE@reliance Newsletter

I S S U E 13 | A P R I L 2 0 1 8

Quarterly Newsletter

Who Will Win the Challenge Trophy?

2017 Annual Report: Strengthening Our Core

and start or build up healthy habits through your diet and activity choices. Encourage one another and see how small steps can add up to big changes. At the end of the week, self-report your participation on wellnessatreliance.com to get credit for your company and earn 5 Wellness Credits. The company with the most participation will win the challenge trophy! Look out for posters and see your local HR representative about details and any special events at your location!

In celebration of National Employee Health and Fitness Month in May, wellness@reliance is kicking off our annual company-wide challenge! From May 16-22, join your co-workers

STRENGTHENING OUR CORE

RELIANCE STEEL & ALUMINUM CO. 2017 ANNUAL REPORT

2017 was a fantastic year for Reliance. We attribute our success to you, our employees. Thank you for your continued dedication to our company. Our 2017 Annual Report is available on rsac.com and RELIANCEroots. Check it out today!

IN THIS ISSUE wellness@reliance – 2018 Q2 Topics. ...................................... 2 Benefits – Before Borrowing from Your 401(k). ....................... 3 Safety Focus – Commitment.................................................... 4 Cybersecurity – Protect Yourself During Tax Season. ............. 5 Community Stories. ................................................................. 6 Employee Service Anniversaries.............................................. 8 No 1 Gets Hurt Be a SMART Hero to your co-workers, friends, and family! Join safety@reliance in commemorating National Safety Month in June. Let's have a day where we are all aware of and looking out for one another. Look out for details soon! The Ramirez Family: Angel (age 10), Eugenio, Jr. (Plant Manager), Adam (age 12), Eugenio III (age 14), Aaron (age 8), and Eugenio, Sr. (Crane Operator) – Delta Steel, Houston, Texas

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WE L L N E S S

Employees and spouses/domestic partners must each earn an additional 30 Wellness Credits by August 31, 2018 for the 2019 wellness incentive.

Act now and save up to $75/month!

Go to wellnessatreliance.com to see all the activities available for you to earn Wellness Credits. Just a few examples are below. Get started today!

MONTHLY STEPS CHALLENGE New feature: Create your own teams!

NUTRITION CHALLENGE Starts April 2!

SELF-DIRECTED COACHING Choose from five topics!

Join this 12-week challenge to learn meal planning and budgeting skills. Interactive online tools make this useful and fun! Earn 5 Wellness Credits.

There are five helpful topics: Stress Less, Control Weight, Eat Well, Move More, and Smoke Free. Earn a maximum of 15 Wellness Credits!

You can now create your own 4-person team and compete with other teams! Earn 5 Wellness Credits each month that you log 85,000 steps!

Union employees should see their HR representative for information on incentive eligibility. If you are unable to complete an activity in the wellness program, there may be alternative activities in which you can participate. Contact the StayWell HelpLine at 800-721-2798 for additional information.

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B E N E F I T S

If you're in a situation where you need extra cash now, you may be peeking at all your accounts to see what you can tap. While your 401(k) savings may seems like a good place to start, here are important factors to consider before taking money from this account: Before Borrowing from Your 401(k) Account Savings... When you tap 401(k) plan savings, you are taking a loan from your account – one you are required to repay. So, before you initiate that loan, be sure you can afford to take the immediate hit to your paycheck and cash flow. 2. BORROWED MONEY IS NO LONGER WORKING AS HARD FOR YOU. Sure, the cash you take out is helping you with some short-term needs. However, at the same time, you lose the long-term growth potential that your money could've had within your 401(k) account. We're talking about compounding interest, potential dividends, and participation in any growth in the markets – lost opportunities. You have to weigh whether you can afford the potential long-term hit to your savings. 3. 401(K) LOAN REPAYMENTS FACE DOUBLE TAXATION Unlike your 401(k) contributions, which are made with pre-tax (or before-tax) dollars, your 401(k) loan repayments are made with post-tax (or after-tax) dollars. This means that a $100 loan 1. IT'S NOT FREE MONEY – IT'S A LOAN.

57% of people who take 401(k) loans decreased their contribution rate during the payback period. 50% of people who take a loan from their 401(k) savings wind up taking another.

repayment reduces your take-home pay by the full $100. Worse, when you take the money out of your 401(k) plan during retirement, you will pay tax on that same money again. 4 . IF THINGS CHANGE, YOU COULD LOSE EVEN MORE MONEY If you voluntarily or involuntarily terminate employment, go on disability or an unpaid leave of absence, or for any other reason experience an interruption in your regular paychecks, you need to make alternate arrangements to make your loan repayments. Should you find yourself in a position where you are unable to repay the loan, it may be treated as a withdrawal and the outstanding loan balance will be

subject to current income taxes in addition to a 10% early withdrawal penalty if you are under age 59½. If the interruption in your pay is temporary (for example, short-term disability or an unpaid leave of absence), the loan repayments may be increased – sometimes dramatically – when you return to work and begin receiving regular paychecks again. THE BOTTOM LINE When you are looking across your accounts to see where you can tap money, you'd be wise to consider your 401(k) account as a last resort. Your money is working hardest for you in that account – and borrowing from it comes with some potentially costly strings.

ISSUE 13 | APRIL 2018 3

S A F E T Y

Do You Have the Courage to Make a SMART Commitment? THREE STEPS TO BUILDING A CULTURE THAT'S COMMITTED TO SAFETY

At Reliance, we are always striving to improve the safety of our employees. We focus not only on OSHA compliance, but we also continue to build a culture of safety at all our locations. Reliance Safety culture is based on a commitment to provide you with a safe workplace

observing one another, and using SMART Safety principles, we believe that we can reduce injuries and break potentially dangerous habits. In April, May, and June, we are asking, "Do you have the courage to make a SMART commitment?" Are you prepared to commit to your own safety and that of your peers – every day? A company’s safety performance, whether strong or weak, is carried out by the behaviors of its employees. Behavior can be seen simply as following or not following

policy and procedure. However, when it comes to safety, our behavior reflects our own personal commitment, and can in turn be a measure of our character. Occupational safety and health is currently dominated by a culture of compliance. In this climate, how do we transition to a culture of safety commitment? How do we get people to actively care for one another? Below are three areas that stand out. As you read about them, ask yourself, "Am I simply involved or am I fully committed?"

and the necessary training to complete your job safely. It's

important that you return home to your families in the same condition in which you came to work.

Last quarter, we focused on fighting complacency. By avoiding routines,

DEFINING SAFETY Companies with a strong culture of commitment understand that safety is not natural – it is man- made. Safety does not exist unless every person takes the ownership to create it on a daily basis. Each employee is a piece of the puzzle in creating a safe environment. Let's each do our part, and do our best.

AVOID NEGATIVE REPORTING TRAPS

BUILDING A JUST CULTURE Failures which lead to incidents could be faults of the system, whether the root cause is improper training, poor job planning, or improper body placement. Let's create a just culture where we feel that our company cares for our wellbeing. Caring is contagious, spreading across our company and creating a compassionate culture of commitment.

Is everything fine with our safety culture as long as we don’t hear of any near misses or incidents? Not necessarily! A culture of commitment requires all employees to actively seek out safety issues and concerns. Report near misses, discuss hazards, find resolution, and look out for your peers.

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C Y B E R S E CU R I T Y

RELIANCE TECHNOLOGY SOLUTIONS Information Security

Protect Your Identity During Tax Season

YOUR FINANCIAL IDENTITY Your financial identity is all of the personal information you use in financial transactions. It includes details like your legal name, current and past addresses, birth date, Social Security number, and account numbers. IDENTITY THEFT Criminals try to collect other people’s identifying information in order to impersonate them. Once they have someone’s info, they contact banks, lenders, and the IRS pretending to be the person they’re victimizing. A type of identity theft especially Identity theft can happen to anyone despite even the best precautions. Fortunately, when it does, consumer protection laws are on your side. When you report fraud to companies and the IRS, they generally will try to “make you whole.” This means reimbursing your losses and reversing the accounts, charges, and commitments the fraudsters made. In order to receive this protection, it’s up to you to detect the fraud and react RECOVERING FROM IDENTITY THEFT

common this time of year is tax return fraud. Tax return identify theft almost always involves a stolen Social Security number (SSN) since the IRS and state tax authorities use these numbers to identify taxpayers. The thief uses your stolen SSN to file a fraudulent tax return early in tax season-before you’re likely to file – and then pockets the refund. You’ll know if you are a victim of tax return identify theft if you receive a notification from the IRS that you have filed more than one return. Other signs are receiving tax bills or refunds that do not match the amount on your quickly and diligently. You have to notify the organization, send documentation, and cooperate with their investigation. Once they correct the situation for you, they’ll work with law enforcement on their own to pursue the criminals. While you’re sorting out the damage, report identity theft to the Federal Trade Commission at IdentityTheft. gov. After that, place a fraud alert on your credit history by visiting one of the three credit bureau’s websites: Equifax. com, Experian.com, or TransUnion.com. This will provide you a detailed recovery

return or 1099 statements from an employer you didn’t work for.

To reduce your risk of identity theft: • Keep your financial information, including your SSN, protected. Do not carry it with you, shred documents that may contain your SSN and have strong, unique passwords for all on-line financial information. • Do not delay filing your tax return. If you get yours in first,

then by the time a scammer gets around to it the IRS will already have your correct paperwork on file.

plan and block the crooks from opening additional fraudulent accounts. You’re entitled to three free credit checks each year – use them! Get one at AnnualCreditReport.com every four months. No payment is required. If you don’t recognize a company listed in your report, contact them for an explanation or report fraud. Identity theft is a frustrating, worrying, and time- wasting hassle. You can take steps now to prevent and detect it. And know that if it does happen to you, you can recover and take back control of your identity.

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COMMUN I T Y S TO R I E S

Wellness Walk by the Water With most of the country experiencing freezing temperatures at typically the coldest time of the year, a group of Reliance Technology Solutions (RTS)

team members, took advantage of some unseasonably warm weather – even by Southern California standards! After a hard day’s work, on January 31, the group assembled at Seal Beach Pier for a team walk. It was an opportunity to socialize outside of work, log in additional steps, enjoy the weather and sunset, and earn 5 Wellness Credits. The walk was a welcome change after a long day of sitting in meetings, and about 30 people made the 20-minute drive from RTS to the rendezvous point at the pier entrance. Some spouses and children came out, too! To add to the fun, the group carried glow sticks and wore glow necklaces, which stood out more and more as the sky darkened. They walked together for about 45 minutes.

The walk was a treat especially for remote team members. According to Diane Paquet, This was a great event, getting us to move a little as a team and enjoy the fantastic beach and sunset scenery of California’s Pacific Ocean. That was a nice change for those of us traveling from cold northern areas still covered with

snow! Company and ambiance was fantastic and I got the pleasure to exchange with people that have been only names on the phone for me up until that event! Spring is here! Take advantage of daylight savings and warmer weather: organize a walk at your location for health, camaraderie, Wellness Credits, and more!

Upcoming Events Calendar April 4/2

June

Nutrition Challenge starts (sign up through June 2)

4/26

Reliance 2018 Q1 Earnings Call

4/27-29

64 th Annual President's Cup Golf Tournament

D O N A T I O N D R I V E

May 5/6-8 5/16

MSCI Annual Meeting

Reliance Annual Stockholder Meeting

5/16-22

Reliance Company-wide Health & Fitness Challenge

5/26

Memorial Day Holiday

N O 1 G E T S H U R T

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COMMUN I T Y S TO R I E S

Warriors Wanted!

Caterpillar, many of them felt more at ease and comfortable with Reliance.

If your company would like to coordinate with corporate HR ahead of the next career fair in August, contact Patti Killacky at patti.killacky@rsac.com or 213-576-2432.

San Diego, CA – On March 23, 2018, Reliance participated in a career fair at Workshops for Warriors’ main campus. It was a chance to meet and interview veterans, wounded warriors, and transitioning service members with certifications in advanced welding, machining, CAD/CAM and other skills. These certifications have prepared them for their post-military careers and make them top candidates and potential future leaders within our Family of Companies. Gabe Muñoz and Patti Killacky, from the corporate HR department, expressed that the career fair exceeded their expectations. The individuals they met were professional, courteous, ready to transition back to civilian life, and eager to start a career in their chosen trades. Most encouraging was the feedback from the veterans that among other large companies at the fair, like Tesla and

Since we started our partnership with Workshops for Warriors in 2013, Reliance has given funds, through company and employee donations, to build and equip WfW classrooms; our companies have donated materials for training; and at least one of our divisions has hired a WfW graduate. We are proud to support the WfW mission of "rebuilding American manufacturing, one veteran at a time." We plan to attend future Workshops for Warriors career fairs. They give us an opportunity to interact with the program participants, and to potentially bring quality employees into our Family of Companies. The career fairs can also create sharing efficiencies for many of our HR departments, as many graduates seek placement around the country.

E s t . 1 9 5 4 APRIL 27-29, 2018 Rancho Bernardo Inn San Diego, CA See you there!

PRESIDENT’S CUP GOL F TOU R NAME N T

ISSUE 13 | APRIL 2018 7

EMP L OY E E S E R V I C E ANN I V E R S A R I E S

20 Years of Service Leticia Amador............................................. EMJ Seth Atwood..................................Tubular Steel Ernesto Avitia....................... RMC National City Kevin Baker.......................................Infra-Metals Karen Banes......................................Metals USA Eliseo Barcenas............................................. EMJ Charles Beurmann.........................Good Metals Darryl Biffle................................. Chatham Steel Scott Black.........................................Metals USA Brian Blackwell.......................................Feralloy Monte C Blane........................................ Feralloy Christopher Champ............................ Ferguson Candy Cherry.................................... Siskin Steel Thomas Christison. ......................Hagerty Steel Ernest Cimarolli................................Metals USA Jason Dill.............................................PDM Steel Robert Dodson...................................... Feralloy Matt Ertel. .................................................. RMCL Scott Finley.................................................... EMJ Margaret Fisher...................... American Metals Fredrick Franco....................... American Metals Javier Franco................................................. EMJ Jesus Franco................................................. EMJ Clete Gilliam........................................Liebovich David Greggain......................................NI Steel Ralph Grisez................................ Precision STrip Robert Hamilton....................Durrett Sheppard Reginald Harvey....................Durrett Sheppard Jay Hassinger.................................Tubular Steel Bernard Herrmann.................... Allegheny Steel Gregory Hilderbrand.......................Metals USA Robert Imrie................................. Reliance (RTS) Raymond Kindlar..............................Metals USA Paul Krueger..................................Tubular Steel Everardo Lara.......................................Liebovich Walter Lobacz...............................Diamond Mfg Lynn Lorber................................................... EMJ Jeffrey Lowman.....................Durrett Sheppard Kenneth Lyttek....................................... Feralloy James McCrary III.............................Metals USA Christopher McDonald................. Yarde Metals Clarence McGhee........................................ EMJ Scott Middendorf........................Precision Strip Gerald Mumford.............................. Continental Gary Norquist...........................RMC Union City Joseph Norris...............................Diamond Mfg Maureen Orvik.............................................. EMJ Brad Ottman.......................................... Feralloy Raymond Perdue................................PDM Steel Cinzia Pereira....................................... Ferguson Max Powell..........................................PDM Steel Michael Powers.......................... Phoenix Metals Earle Race.............................................Liebovich Nidia Retana.......................................Crest Steel Patrick Schemmel........................Precision Strip John Schmitt................................................. EMJ Mohammed Siddiqi...................Clayton Metals Wayne Skiffington...........................Infra-Metals Brian Smith..................................... Yarde Metals Brian Snyder......................................AMI Metals Christopher Sobkowiak................Haskins Steel James Starke.....................................Metals USA Christopher Starr..............................Metals USA Daniel Thayer..........................................NI Steel Armando Velazquez............................Liebovich John Vincavage............................Diamond Mfg Antoine Walton.......................... Phoenix Metals Employee Service Anniversaries

Kudos to all employees who celebrated milestone anniversaries in the first quarter of 2018! Reliance would not be where we are today if it wasn’t for you. It never gets old to say that we’re the best in the business because we have the best people working for us. Thank you all very much for your dedication!

Fernando Wilkins.......................................... EMJ Jeremiah Wolfe......................................Feralloy Craig Woltz. .................................Precision Strip Andre Wood................................... Chapel Steel Greg Yahl......................................Precision Strip Almir Zmajevac.......................... Phoenix Metals 25 Years of Service Edward Arellano....................RMC San Antonio Michele Birgin...........................Viking Materials Ronald Campbell.......................................... EMJ Christy Carter. ..................................Metals USA William Christine.......................................... EMJ Daniel Clements..........................Precision Strip Michael Costello..................... American Metals John Czechanski........................................... EMJ Anthony Deventure.......................................SSA Richard Durning............................................ EMJ Ritchie Edgerton...........................Diamond Mfg Norman Ellefson........................... Bralco Metals James Fisher................................................. EMJ Lynette Frames..................................Delta Steel James Gashi..................................Diamond Mfg Donna George........................................... RMCL Kenneth Grudowski...................................... EMJ Deborah Gruol....................................CCC Steel John Heeb............................................. Best Mfg David Holst.................................................... EMJ Michael Kaebisch.............................Metals USA John Kaplan.................................................. EMJ Stuart Karnehm.................................Metals USA Crofford Lane................................................ EMJ Gary Lawson.................................................. EMJ Michael Lindsey............................................ EMJ Sharon McCart.................... Central Plains Steel Robert McCormick....................................... EMJ Edda Mesh................................. Phoenix Metals Patrick Oneill....................................Infra-Metals James Power.................................. Yarde Metals Donna Rahlf.......................................Metals USA John Ricke..................................................... EMJ Gary Rutledge...................................Metals USA Roland Salois........................................ Ferguson David Scheurer....................RMC Salt Lake City James Searcy...................................Infra-Metals Melanie Shelley....................... American Metals Paul Shelton...................................... Siskin Steel Joseph Spelios............................................. EMJ Steve Uhrich............................................... RMCL Jeffrey Zywicki.............................................. EMJ 30 Years of Service Mary Adams.................................................. EMJ Sergio Alamillo............................................Valex Susan Berger..............................................Viking Randy Berkovsky......................................... Delta Rex Bernard...................................Diamond Mfg Michael Beseman......................................... EMJ Stephen Blackwood.....................Central Plains Angel Castellanos.........................................AMI Catherine Chiles.....................................Phoenix Glenn Cortopassi.............................Metals USA Michael Delaney........................................... EMJ Phillip Dickerson........................................... EMJ William Egerer...........................................Bralco Johnny Ferguson............................... GH Metals Bill Flodin..............................................Liebovich

David Francis................................................. EMJ Carol Franklin...................... Central Plains Steel Daniel Gano.................................................. EMJ Michael Gray.................................Hagerty Steel Luke Haas..........................................Metals USA Jody Henk..............................RMC San Antonio Mark Henry.................................................... EMJ Curtis Horton.................................... Siskin Steel Brian Koehler................................................ EMJ Donald McCracken...................................... EMJ Daniel Meier...................................Tubular Steel Faustino Morales.......................................... EMJ James Morgan.................................. Siskin Steel Frank Mudery................................................ EMJ Thomas Musch.............................................. EMJ Kathleen Nash........................... Phoenix Metals Patrick O'Neal...................................Metals USA Cherylanne Pettus Connor.......... RMC Phoenix James Phelps................................................ EMJ James Potts................................................... EMJ Russell Puthoff.............................Precision Strip Leroy Raper.........................................PDM Steel Brian Redmond.............................Diamond Mfg Robert Robichaud............................... Ferguson William Sabia................................................. EMJ Evelyn Sandejas................................Valex Corp. Donna Schaff............................... Chatham Steel Thomas Scully...................................Metals USA Jeffrey Shaver........................Durrett Sheppard Gerald Singleton.......................................... EMJ Ronald Snell......................................Metals USA Richard Sowell............................................... EMJ Dale Weddle................................. Bralco Metals Lori Weinstein...................................Metals USA Robert White.....................................Metals USA Russell Winsock............................Diamond Mfg Rodney Wray................................................. EMJ Jozef Zajac...................................... Yarde Metals 35 Years of Service Donald Bornhorst........................ Precision Strip Steve Francois.............................Phoenix Metals Paul Heuker.................................. Precision Strip Tim Johnson....................................... Delta Steel Richard Kudart.................................. Metals USA Tom McCormick.........................................RMCL Fernando Moran............................Bralco Metals Steven Osborne................................... Liebovich Randy Zajicek....................................Continental 40 Years of Service Michael Caldieraro............................ Tubular Steel Randall Clark......................................................EMJ Brenda Finch......................................... Siskin Steel Anne Gordon.....................................................EMJ Danny Hibbs.......................................................EMJ Myra Humphrey................................ Bralco Metals Melody A Martin-Clegg............................ Feralloy Mary Martinez-Lesaca......................................EMJ Michael Mastrangelo......................... Pacific Metal Carolyn Sievers.................................Reliance (RTS) 45 Years of Service Richard Vieira............................................Ferguson

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