401(k) Retirement Plan Overview

401(k) Enrollment Guide Advisory services provided by TFO Wealth Partners, LLC

How The Plan Works Access your account How to Enroll TFO Wealth Partners is your independent financial adviser and can help with: Enrolling | Investing | Savings Decisions Need Help or Have Questions? Contact Adviser Scott Morgan smorgan@tfowealth.com 419-794-7073 First Time Log-in Credentials 1. Visit the Ascensus website (https://secure.ascensus.com/login/participant) 2. Temporary Username: Full SSN (no dashes) 4. Temporary Password: DOB (MMDDYYYY) 5. Setup dual authentication for extra security Ascensus Contact Website: www.ascensus.com Phone: 888-652-8086  Employees that have attained the age of 18 and have completed at least one year of service (1,000 hours) are eligible for the plan.  Your entry date will be the first day of the month coinciding with or next following the date you satisfy the eligibility requirements.  Employees may contribute 1% to 100% of annual compensation up to a maximum contribution of $24,500 in 2026 on a pre-tax or Roth (after tax) basis.  Employees age 50-59 and 64+ can make catch-up contributions up to $8,000.  Employees age 60-63 can make catch-up contributions of $11,250.  If you do not enroll or opt out, you will be automatically enrolled at 3% per year. That contribution will be automatically increased 1% each year up to a max of 10%. You can increase, decrease, or opt-out at any time.  Hang 10 will provide an employer non-elective contribution of 3%.  In-service distributions at age 59.5 and hardship distributions are permitted.  Vesting Schedule: You are always 100% vested in your own contributions and the employer non-elective contribution.

Savings Decisions PRE-TAX 401(k):  Contributions made before taxes (tax-deferred)  Grows tax-deferred  Distributions taxed as ordinary income in retirement How much should you save? 1. Start with a Budget . 2. Before saving aggressively in the 401(k) plan, make sure you have an emergency fund saved up to cover at least 3‐6 months of expenses. 3. Recommendation: Build up to saving 10 %‐ 15%+ of your income. 4. Best practices include increasing your contributions 1% each year and increasing contributions after receiving a pay increase. ROTH 401(k):  Contributions made after taxes  Grows tax-deferred  Distributions including growth are tax free in retirement Investment Decisions TFO Wealth Partners custom managed portfolios Model portfolios are pre-selected asset allocation strategies offered through your plan, and are designed to meet specific investment objectives. The asset allocation, and changes to the model portfolios, are determined by TFO Wealth Partners, your plan's investment manager. The value of your investments will fluctuate over time, and you may gain or lose money. 1 Target date asset allocation funds Over time, Target Date Funds automatically invest more conservatively as you approach your retirement date and beyond. Keep in mind, the value of your investment will fluctuate over time, and you may gain or lose money. 2 Do it yourself Take control of your portfolio and choose your investments from a list of available funds. These investments will fluctuate over time and you may gain or lose money. 3

TFO Wealth Partners builds evidence based globally diversified portfolios consisting of over 10,000 companies in 41 countries worldwide. TFO Wealth Partners helps to take the guesswork out of building and rebalancing your retirement savings portfolio. Each portfolio consists of 4‐6 institutional mutual funds managed by Dimensional Fund Advisers (DFA) and Vanguard providing exposure to 21‐25 asset classes. *Access your account online to view updated performance of available funds TFO Wealth Partners Managed Portfolios Target Date Asset Allocation Funds Fund Name Ticker/ID Vanguard Target Retirement Income Inv VTINX Vanguard Target Retirement 2020 Inv VTWNX Vanguard Target Retirement 2025 Inv VTTVX Vanguard Target Retirement 2030 Inv VTHRX Vanguard Target Retirement 2035 Inv VTTHX Vanguard Target Retirement 2040 Inv VFORX Vanguard Target Retirement 2045 Inv VTIVX Vanguard Target Retirement 2050 Inv VFIFX Vanguard Target Retirement 2055 Inv VFFVX Vanguard Target Retirement 2060 Inv VTTSX Vanguard Target Retirement 2065 Inv VLXVX Vanguard Target Retirement 2070 Inv VSVNX CONSERVATIVE This portfolio seeks to minimize volatility through a majority allocation to fixed income securities. In addition, the portfolio seeks modest long-term capital appreciation through a minor allocation to equities. Because of the exposure to equities, the portfolio will experience some short-term principal volatility. This portfolio is appropriate for investors with time horizons of three to five years. TFO Wealth Partners 20/80 AGGRESSIVE This portfolio is suited for investors with longer time horizons who can withstand a high degree of principal volatility. Investors in this portfolio should have a time horizon of ten years or longer. TFO Wealth Partners 100% Equity MODERATELY AGGRESSIVE This portfolio is allocated primarily to equities with a secondary allocation to fixed income securities. Because of its high commitment to equities, the portfolio will experience a higher degree of volatility. As a result, it is appropriate for investors with time horizons of seven to ten years. TFO Wealth Partners 80/20 MODERATE This portfolio seeks to reduce volatility associated with equity investing through a substantial allocation to fixed-income securities. Because of the percentage invested in equities, the portfolio will experience moderate short- and mid- term principal volatility. As a result, it is appropriate for investors with time horizons of five to seven years. TFO Wealth Partners 60/40 MODERATELY CONSERVATIVE This portfolio seeks to reduce volatility through a majority allocation to fixed- income securities. In addition, the portfolio seeks a moderate long-term capital appreciation through a substantial secondary allocation to equities. Because of the percentage invested in equities, the portfolio will experience moderate short- and mid- term volatility. As a result, the portfolio is appropriate for investors with time horizons of five to seven years. TFO Wealth Partners 40/60 CONSERVATIVE This portfolio seeks to minimize volatility through a majority allocation to fixed income securities. In addition, the portfolio seeks modest long-term capital appreciation through a minor allocation to equities. Because of the exposure to equities, the portfolio will experience some short-term principal volatility. This portfolio is appropriate for investors with time horizons of three to five years. TFO Wealth Partners 20/80 DFA US Core Equity 2 66.5% DFA International Core 21.4% DFA Emerging Markets Core 7.1% Vanguard Real Estate Index 5.0% Vanguard Core Bond 0.0% Vanguard Total Bond Market Index 0.0% 100% Average Portfolio Expense Ratio* 0.21% 53.20% 17.15% 5.65% 4.00% 4.00% 16.00% 66.50% 21.40% 7.10% 5.00% 39.90% 12.85% 4.25% 3.00% 8.00% 32.00% 22.8% 11.4% 3.8% 2.0% 12.0% 48.0% 11.4% 5.7% 1.9% 1.0% 16.0% 64.0% DFA US Core Equity 2 53.2% DFA International Core 17.15% DFA Emerging Markets Core 5.65% Vanguard Real Estate Index 4.0% Vanguard Core Bond 16.0% Vanguard Total Bond Market Index 4.0% 100% Average Portfolio Expense Ratio* 0.19% DFA US Core Equity 2 39.9% DFA International Core 12.85% DFA Emerging Markets Core 4.25% Vanguard Real Estate Index 3.0% Vanguard Core Bond 32.0% Vanguard Total Bond Market Index 8.0% 100% Average Portfolio Expense Ratio* 0.16% DFA US Core Equity 2 26.6% DFA International Core 8.55% DFA Emerging Markets Core 2.85% Vanguard Real Estate Index 2.0% Vanguard Core Bond 48.0% Vanguard Total Bond Market Index 12.0% 100% Average Portfolio Expense Ratio* 0.14% DFA US Core Equity 2 13.3% DFA International Core 4.3% DFA Emerging Markets Core 1.4% Vanguard Real Estate Index 1.0% Vanguard Core Bond 64.0% Vanguard Total Bond Market Index 16.0% 100% Average Portfolio Expense Ratio* 0.11%

Do It Yourself *Access your account online to view updated performance of available funds Fund Name Ticker/ID U.S. Equity Large Cap Blend Vanguard Total Stock Mkt Idx Adm VTSAX Fidelity 500 Index FXAIX DFA US Core Equity 2 I DFQTX Large Cap Value Vanguard Value Index Adm VVIAX Large Cap Growth Nuveen Large Cap Growth TILIX Mid Cap Blend Vanguard Mid Cap Index Admiral VIMAX Small Cap Blend Vanguard Small Cap Index Adm VSMAX Small Cap Value Vanguard Small Cap Value Index Admiral VSIAX Small Cap Growth Vanguard Small Cap Growth Index Admiral VSGAX International/Global Equity International Large Cap Blend Vanguard Developed Markets Index Adm VTMGX DFA International Core Equity I DFIEX Emerging Market Equity DFA Emerging Markets Core Equity I DFCEX Specialty REIT Vanguard Real Estate Index Admiral VGSLX Fixed Income Core Fixed Income Vanguard Total Bond Market Index Adm VBTLX Short-Term Bond Vanguard Short-Term Bond Index Adm VBIRX Cash Alternatives Money Market Vanguard Federal Money Market Fund VMFXX

Advisory Services provided by TFO Wealth Partners, LLC. All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions, may materially alter the performance of your portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not assure or guarantee better performance and cannot eliminate the risk of investment losses. Past performance is not a guarantee of future investment success. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio. There are no assurances that a portfolio will match or outperform any particular benchmark. This information is confidential and may not be reproduced for any other purpose, or transmitted, in whole or in part, to any third parties without the prior written consent of TFO Wealth Partners, LLC. Please contact your Investment Adviser should you have any questions regarding the information provided in this report. Stated mutual funds include all those available to retirement plan participants. Returns do not reflect the deduction of investment advisory fees. Performance data shown represents past performance. Past performance is no guarantee of future results and current performance may be higher or lower than the performance shown. The investment return and principal value of an investment will fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost. To obtain the most recent performance data, please visit the plan recordkeeper’s website and access your account by utilizing the web address listed on page 2. Returns of greater than one year are annualized. Information from sources deemed reliable, but its accuracy cannot be guaranteed. Average annual total returns include reinvestment of dividends and capital gains. Consider the investment objectives, risks, and charges and expenses of mutual funds carefully before investing. For this and other information about the available mutual funds, please read the prospectus carefully before investing. Prospectuses are available by calling Dimensional Fund Advisors collect at (310) 395-8005; on the Internet at www.dimensional.com; or, by mail, DFA Securities Inc., c/o Dimensional Fund Advisors, 1299 Ocean Avenue, Santa Monica, CA 90401. DFA is unaffiliated with TFO Wealth Partners, LLC. Advisory fees are separate and distinct from the fees and expenses charged by mutual funds to their shareholders. To request additional information, please call TFO Wealth Partners, LLC at 419-891-9999. Important Disclosures

 Speak to an Investment Adviser at TFO Wealth Partners  Establish your account with Ascensus: https://secure.ascensus.com/login/participant  Select your contribution amount and type (Pre‐Tax or Roth)  Select your investment choices  Designate beneficiaries Advisory services provided by TFO Wealth Partners, LLC. Enrollment Checklist Key Contacts Ascensus 888-652-8086 www.ascensus.com TFO Wealth Partners Scott Morgan 419-794-7073 smorgan@tfowealth.com

419.891.9999 www.tfowealth.com