STD PLHIGH ][ 01/05/26 )( 371094-01 NO_GRPG 126407/ ][ GP19 DOC ID: 1015183845 )( Page 2 of 2 5 Years and over 100% Investment Options A wide array of investment options are available through your Plan. Please review the Plan’s Notice of Investment Returns & Fee Comparison for information on the investment options at empowermyretirement.com. Once you have enrolled, investment option information is also available through the website at empowermyretirement.com or call the Voice Response System toll free at 1-800-338-4015. The website and the Voice Response System are available to you 24 hours a day, 7 days a week. Prospectuses, disclosure documents and investment-related options/services information are only available in English. Please have them translated prior to investing. Transfers and Allocation Changes You can move all or a portion of your existing balances between investment options (subject to Plan rules) and change how your payroll contributions are invested. Rollovers ¹ Only Plan Administrator approved balances from an eligible governmental 457(b), 401(k), 403(b) or 401(a) plan or an Individual Retirement Account (IRA) may be rolled over to the Plan. Some plans may only allow rollovers from other 401(k) plans. ¹Governmental 457 funds rolled into another type of plan or account may become subject to the 10% early withdrawal penalty if taken before age 59 1/2. Withdrawals Qualifying distribution events are as follows: • Retirement • Permanent disability • Financial hardship (as defined by the Internal Revenue Code and your Plan's provisions) • Severance of employment (as defined by the Internal Revenue Code provisions) • Attainment of age 59 1/2 • Domestic abuse victim • Qualified disaster recovery • Death (your beneficiary receives your benefits) Ordinary income tax will apply to each distribution. Distributions received prior to age 59 1/2 may also be assessed a 10% early withdrawal federal tax penalty. Refer to your Summary Plan Description for more information about distributions. Plan Fees Please review the Plan’s Notice of Investment Returns & Fee Comparison for information on Plan fees and expenses. Loans Your Plan allows you to borrow the lesser of $50,000.00 or 50% of your eligible total vested account balance. The minimum loan amount is $1000.00 and you have up to 60 months to repay your general purpose loan or up to 360 months if the money is used to purchase your primary residence. Empower Advisory Services Your Plan offers a service called Empower Advisory Services. You can have Empower Advisory Group, LLC, a registered investment adviser, manage your retirement account for you. Or, if you prefer to manage your retirement account on your own, you can use the Online Advice tool. These services help create a personalized retirement strategy for you.There is no guarantee provided by any party that participation in any of the advisory services will result in a profit. For more detailed information about these services, including any applicable fees, visit your Plan's website at empowermyretirement.com or call the Voice Response System, toll free at 1-800-338-4015. Advisory services materials, including the terms of service, regulatory documents, and ongoing communications, are available in English only. If you need translation assistance, please work with a qualified translator to ensure you fully understand your obligations upon enrollment. How do I get more information? Visit the website at empowermyretirement.com or call the Voice Response System, toll free at 1-800-338-4015 for more information. The website provides information regarding your Plan, as well as financial education information, financial calculators and other tools to help you manage your account. Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc. (EFSI), Member FINRA/SIPC . EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Online Advice and My Total Retirement are part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser. Past performance is not indicative of future returns. You may lose money. The Plan information contained in this document was provided by the Plan's third party administrator. Empower is not responsible for any content provided by the Plan's third party administrator. ''EMPOWER'' and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. ©2023 Empower Annuity Insurance Company of America. All rights reserved. Form# 371094-01PH 401(k)