401 K - SWIA & Empower

How Empower provides your participants best-interest advice and recommendations for their financial future In practice this means: • We consider what’s most beneficial for the participant, not for Empower. • We make sure our advice is prudent based on the participant’s individual situation. • We disclose any fees, compensation, or potential conflicts so they can make informed decisions. The overarching goal is to ensure that every recommendation helps the participant make the best possible decision for their financial future. What is best-interest advice? When Empower representatives provide advice to participants, it must always be in their best interest. This means we put their needs ahead of our own. This fiduciary standard comes from the U.S. Department of Labor (DOL) under the Employee Retirement Income Security Act (ERISA). It is reinforced by the Securities and Exchange Commission’s Regulation Best Interest (Reg BI) rule. FOR PLAN SPONSOR AND FINANCIAL PROFESSIONAL USE ONLY. Empower offers your participants best-interest advice to help them with their retirement and financial questions. Here’s how it works.

more knowledgeable 3 more confident 3 After speaking to our representatives, participants felt: Factors and considerations Empower representatives receive extensive education and training covering all regulatory requirements, advisory tools, and related processes and procedures. Our representatives are properly registered, carrying any required federal and state securities registrations, licenses, or credentials prior to engaging any participants. They are also trained to engage and understand participants’ specific situations and to utilize non- discretionary tools and methodologies to offer point-in-time 1 best-interest recommendations that consider: • Plan design. • Service model. • Fees. • Salary and retirement spending needs. • Capital market assumptions. • Tax considerations. • Risk profile of individual. • Creditor protections. How it works During calls with participants, Empower representatives use decision support tools through our best-interest advice program to provide consistent and objective recommendations. Through a series of ordered questions, the best-interest advice program scores and weighs a participant’s answers to offer up proper prescribed recommendations regarding: • Savings strategies – Including savings rates and steps to improve a participant’s financial wellness. • Pretax vs. Roth contribution options – Accounting for tax rates and required minimum distribution preferences. • Rollover and distribution help – Offering education and guidance when a person retires or leaves their job. • Investment selection – Recommending an investment solution that fits the individual’s situation. 2 This best-interest advice program also provides participants with consistency in recommendations, no matter which Empower representative they speak to. Participants are encouraged to consider all options and their features and fees before moving any money between accounts. Advice is at the center of everything we do as we strive to transform people’s financial lives through advice, people, and technology. Empower offers a broad spectrum of flexible advice that covers it all, from simple education engagements to holistic financial planning. FOR PLAN SPONSOR AND FINANCIAL PROFESSIONAL USE ONLY. 88% 88%

1 Point-in-time advice provided by an Empower representative may include savings, investment allocation, distribution, and rollover advice, including advice on consolidating outside retirement accounts. 2 Investment allocations are determined by independent financial experts from either Morningstar Investment Management, LLC or Financial Engines Advisors, L.L.C. and do not include ongoing account management and monitoring. 3 Empower Workplace Planning and Advice data as of June 30, 2025. 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. Point-in-time advice is provided by an Empower representative registered with Empower Financial Services, Inc. at no additional cost to account owners. There is no guarantee provided by any party that use of the advice will result in a profit. Online advice and the managed account service are part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser. Past performance is no indicative of future returns. You may lose money. As part of providing products and services to retirement plans, Empower personnel may provide information to plan representatives about available investment or pricing options. In providing this information, Empower is not undertaking to provide impartial investment advice or give advice in a fiduciary capacity regarding any transactions. Plan fiduciaries are responsible for the selection and monitoring of the plan’s investment options and for determining the reasonableness of all plan fees and expenses. Information concerning investment or pricing options we may provide is intended to provide you with resources for your consideration as a convenience and is not intended to be exhaustive or prescriptive for your plan and its specific circumstances. Plan fiduciaries are not required to utilize any of the options referenced in any of our communications to you. Empower may benefit from advisory and other fees paid to it or its affiliates for managing, selling, or settling of the Empower products or third-party investment products or securities offered by Empower or its affiliates. Investment vehicles you select which are sponsored or managed by an Empower affiliate may generate more revenue for Empower enterprise and/or Empower representatives than non-proprietary investment vehicles. “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. ©2025 Empower Annuity Insurance Company of America. All rights reserved. WSA-FLY-WF-5289572-1225 RO5015730-1225 To learn more, contact your Empower representative

SageView Advisory Group | 800.814.8742 | www.sageviewadvisory.com SageView Advisory Group LLC is a Registered Investment Advisor. Advisory Services are only offered to clients or prospective clients where SageView and its representatives are properly licensed or exempt from licensure. This document is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by unless a client service agreement is in place. As a Snellings Walters employee, you have access to: General information on plan features (e.g. eligibility, distributions, loans, vesting, etc.) Retirement planning education and strategies Assistance with investment and savings strategies One-on-one financial consulting via email, phone, and in-person Please refer to the following contact list when you have a question about your retirement plan: COMPANY CONTACT INFORMATION QUESTION TYPE Empower Retirement empowermyretirement.com (800) 338-4015 • Retirement and Investment Information • Asset Allocation tools • Access to Guidance, Advice and Managed Accounts SageView Advisory Group David Anderson Call 404-782-8998 and identify yourself as a Snellings Walters employee. • Fund Information • General Plan Information Snellings Walters Brannon Johnston (770) 508-3005 bjohnston@snellingswalters.com • Enrollment Questions • Payroll Questions • General Benefit Questions WHO DO I GO TO FOR HELP WITH MY RETIREMENT ACCOUNT? The Snellings Walters retirement plan participants have direct resources available to assist you in reaching your retirement goals. SageView Advisory Group and Empower Retirement provide retirement education and investment counseling for employees.

Your plan is accessible when you’re on the go The Empower mobile experience puts your retirement plan at your fingertips. Use it to access and manage your 401(k) plan account when you’re on the go — right from your mobile device. Prefer to begin your journey online? • Log on to empowermyretirement.com . Select Register . Choose the I do not have a PIN tab. Follow the prompts to create your username and password. If we don’t have your email or phone number on file from your employer, or if you have another account with Empower (with a former employer, for example), you will need to call to access your new plan account. 1 FOR ILLUSTRATIVE PURPOSES ONLY

Download the free app today Get the Empower mobile app and connect to your plan whenever, wherever. Available in the App Store ® from Apple ® and on Google Play . For more help, call 800 - 338 - 4015 From the convenience of your mobile device: Quickly check balances. Change your allocation elections. Customize your communications preferences. Change your savings rate. Update your beneficiary. And more! 1 The next time you access your account, choose Log in . IMPORTANT: The projections or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The results may vary with each use and over time. 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. iPhone, iPad, Apple, Apple Watch, and App Store are trademarks of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google LLC. “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. ©2025 Empower Annuity Insurance Company of America. All rights reserved. WPM - FLY - WF - 1531356 - 0625(4365400) RO4477375 - 0525

Security Guarantee At Empower the security and protection of your retirement accounts is our priority. We value your business and your trust in choosing Empower and stand behind our online and mobile security with the Empower Security Guarantee. This guarantee states we will restore losses to your account that occur as a result of unauthorized transactions through no fault of your own. How do I qualify for this protection? Your Empower accounts are automatically eligible for this protection. You do not need to register for this protection. Please follow the online and mobile security practices below and more fully described in our Security Tips . Online and mobile account security is a shared responsibility. Let’s work together to protect your account. What can I do to help protect my Empower account(s)? 1. Register your account, then keep your contact information current. As soon as you are able, log in to your Empower account online to ensure we have registered you as the authentic account owner. In addition to your contact information, add emails and your mobile number, if available, to help ensure we can contact you with proactive security alerts or in case of suspected unauthorized activity. Remember to keep your contact information, email addresses and mobile numbers up to date. 2. Protect your personal and financial information. Never share your passwords, personal account information or device authentication with anyone, including your family members or friends. Anyone with whom you share (or direct us to share) your account access is deemed authorized by you to conduct transactions on your account, including third party financial planning and budgeting applications that aggregate your data via sharing credentials (except one that we have partnered with). 3. Review your accounts and respond to security alerts and notify us of suspected fraud or identity theft. Monitor your account activity, such as transactions, address changes and bank information regularly. You must promptly review Empower security alerts and contact Empower’s Customer Service Center at 844- 773-6797 immediately if you suspect unauthorized activity. Security alerts are used to validate account activity with you such as a withdrawal of funds, changes to your contact information or adding a new bank account. In addition, you must promptly review your Empower account information, including transaction confirmations and statements and notify Empower immediately of any unauthorized account activity, if you have not received an account statement or if you have experienced any kind of identity theft. Consider electronic delivery of statements and documents to make reviewing your account easier. 4. Increase login protection and keep device updates current. Use a unique and strong password on your Empower account. Reset your password immediately if you think it was compromised. Keep your devices, operating systems, web browsers and applications current. Maintain up-to-date antivirus, antimalware and firewall software on your computer. 5. Look out for suspicious emails, texts and phone calls. Do not reply to suspicious requests for your personal or financial information – go to the root source instead. You should only provide account information through Empower’s Customer Service center at 844- 773-6797 , the secure website or the Empower mobile application. Empower will not request personal or

Security Guarantee account information via email or text messages. Contact us immediately if you receive multi-factor authentication (MFA) verification codes that you did not request. 6. Check this page periodically for updated information, as we proactively monitor evolving cybersecurity threats. When am I not covered by the guarantee? All claims for reimbursement of fraudulent activity are reviewed on a case-by-case basis. This guarantee may not apply in the following circumstances: o If you fail to notify us in a timely manner when you have other financial accounts compromised or if you fail to follow basic security practices for your account. o If you fail to notify us within 90 days after the suspicious activity occurs o If you fail to promptly respond to security alerts or attempts to contact you regarding suspicious activity on your account. This guarantee does not apply in the following circumstances: o Transactions that were initiated by you or a family member/acquaintance. o Transactions authorized by third parties with permission to access your account, such as employers, financial advisors or others with whom you have shared your account credentials. o For employer-sponsored retirement accounts, unauthorized transactions that result from a compromise of the systems or security of your employer or your employer’s service providers. What should I do if I suspect fraud has occurred? If you see suspicious activity on your account, change your password and contact our customer account protection team immediately at 844-773-6797 . Report any suspected incidents, activity, unreceived account statements or unauthorized activity to us immediately and cooperate with us as we look into the matter. Additional details: The Empower Security Guarantee applies only to accounts maintained by Empower and does not extend to accounts held or managed by third parties, such as brokerage accounts held at other institutions. Empower may seek restitution from the person(s) who committed the unauthorized activity and may require you to assign certain rights or sign a release form as a condition in receiving reimbursement under the Empower Security Guarantee. For accounts in employer-sponsored plans, reimbursement is generally subject to plan sponsor review and approval and may be subject to additional conditions based on any related agreement between Empower and your employer. Empower will determine the type and amount of any reimbursement in its sole discretion. This protection does not cover any legal fees, expenses, or tax consequences or any indirect, consequential, or non-monetary damages. Empower reserves the right to reduce the amount of any reimbursement by amounts you are entitled to receive from other sources for the same loss, such as identity theft insurance. Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. This material is for informational purposes only and is not intended to provide investment, legal, or tax recommendations or advice. WF 3743826-1124 RO4076897-1224

Is market volatility causing emotional volatility? We can help you understand how to move forward Moving or withdrawing money in your retirement account during periods of market volatility can negatively impact your long - term savings goals. Investors who leave their money invested may experience better returns than those who don’t. Missing the market’s best days can affect your return on investment (2003 – 2022) 9.80 % return WITH 10 best days 5.59 % return WITHOUT 10 best days VS It can be concerning when the markets are in flux, but history tells us two things: 1 The markets typically recover over time. 2 Volatility is a normal part of investing. FOR ILLUSTRATIVE PURPOSES ONLY. Refers to the S&P 500 TR USD. Source: Morningstar Direct. S&P 500 returns January 1, 2003 – December 31, 2022. Returns expressed as total returns. This chart is intended for illustrative purposes only; it is not investment advice. Past performance is not a guarantee of future results. Calculations relating to lost investment return created by Empower Advisory Group, LLC., a registered investment advisor and wholly owned subsidiary of Empower Annuity Insurance Company of America. An index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses. Performance of an index fund will generally be less than its benchmark index. You cannot invest directly in an index.

We’ve got answers to your market volatility questions Moving or withdrawing money in your retirement account during periods of market volatility can negatively impact your long - term savings goals. Investors who leave their money invested may experience better returns than those who don’t. Missing the market’s best days can affect your return on investment (2003 – 2022) 9.80 % return WITH 10 best days 5.59 % return WITHOUT 10 best days VS It can be concerning when the markets are in flux, but history tells us two things : The markets typically recover over time. & Volatility is a normal part of investing. FOR ILLUSTRATIVE PURPOSES ONLY. Refers to the S&P 500 TR USD. Source: Morningstar Direct. S&P 500 returns January 1, 2003 – December 31, 2022. Returns expressed as total returns. This chart is intended for illustrative purposes only; it is not investment advice . Past performance is not a guarantee of future results. Calculations relating to lost investment return created by Empower Advisory Group, LLC., a registered investment advisor and wholly owned subsidiary of Empower Annuity Insurance Company of America. An index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses. Performance of an index fund will generally be less than its benchmark index. You cannot invest directly in an index.

Moving or withdrawing money in your retirement account during periods of market volatility can negatively impact your long - term savings goals. Investors who leave their money invested may experience better returns than those who don’t. FOR ILLUSTRATIVE PURPOSES ONLY. Refers to the S&P 500 TR USD. Source: Morningstar Direct. S&P 500 returns January 1, 2003 – December 31, 2022. Returns expressed as total returns. This chart is intended for illustrative purposes only; it is not investment advice . Past performance is not a guarantee of future results. Calculations relating to lost investment return created by Empower Advisory Group, LLC., a registered investment advisor and wholly owned subsidiary of Empower Annuity Insurance Company of America. An index is not actively managed, does not have a defined investment objective, and does not incur fees or expenses. Performance of an index fund will generally be less than its benchmark index. You cannot invest directly in an index. Missing the market’s best days can affect your return on investment (2003 – 2022) 9.80 % return WITH 10 best days 5.59 % return WITHOUT 10 best days VS & It can be concerning when the markets are in flux, but history tells us two things: 1 The markets typically recover over time. 2 Volatility is a normal part of investing. Worried about market volatility? A personalized investing plan can help ease your fears

[1 Point - in - time advice provided by an Empower representative may include savings, investment allocation, distribution, and rollover advice, including advice on consolidating outside retirement accounts.] Point - in - time advice is provided by an Empower representative registered with Empower Financial Services, Inc. at no additional cost to account owners. There is no guarantee by any party that use of the advice will result in a profit.] [1 Empower Advisory Group, LLC, a registered investment adviser, provides financial planning services using the MoneyGuidePro tool. MoneyGuidePro is not affiliated with Empower Retirement, LLC and its affiliates. Empower Retirement, LLC and its affiliates are not responsible for the third - party content provided. IMPORTANT: The projections or other information generated by MoneyGuidePro regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. MoneyGuidePro results may vary with each use and over time. Empower Retirement, LLC and its affiliates are not responsible for the third - party content provided.] Securities when presented, are offered and/or distributed by Empower Financial Services, Inc., 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. “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. GEN - FLY - WF - 2879530 - 1123 RO3156134 - 1123 We can help you prepare for what’s next Call to talk with a financial professional today Schedule a meeting today empowermyretirement.com “The representative was positive and very insightful. He was helpful and made me feel at ease with what I need to know.” — Sonja B. empowermyretirement.com Testimonials may not be representative of the experience of other individuals and are not a guarantee of future performance of success. Feel more confident with an investing plan from Empower We’re here to help you navigate the ups and downs of the market and get closer to the future you want. If you don’t have an investing plan, we can help you create one; and if you already have one, we can review it to make sure it still aligns with your goals. Whether you’re just starting your career, already retired, or somewhere in between, our team of experienced financial professionals can help you: 1 Organize your finances. Identify and prioritize your financial goals. Plan for a large expense and/or retirement. Any financial information you share is safe, secure, and confidential. It will not be shared with anyone — including your employer.

View all your finances in one secure 1 place Retirement. Credit. Cash. Mortgage. FOR ILLUSTRATIVE PURPOSES ONLY As a part of your plan, your account dashboard gives you a real - time view of spending, saving, debt and more so you can track, manage and plan all your financial priorities in one place 1. Know your estimated monthly retirement income • See what your retirement might look like and what percentage of your goal you’re on track to reach. • Adjust the sliders to see how changes affect your savings in real time. • Put your savings in context. • Make changes with just one click. 2. See and understand your net worth Your net worth is a good measure of where you stand at a point in time. The more accounts you link, the clearer view you’ll have of what you own (your assets) and what you owe (your liabilities). 3. Manage progress toward your goals Your dashboard includes a progress meter and personal - ized next steps to help you reach your individual goals. 4. Easily and securely 1 link other accounts Advanced security measures are taken to protect your privacy and information and ensure your accounts can’t be viewed by your employer or plan administrators. 5. Access an expanded financial toolbox Designed to help you better plan and manage your finances, it includes a retirement planner, a savings planner, budgeting tools and more. 1 2 3 4 5

empowermyretirement.com View tips and best practices to protect yourself See what you can do to help defend against cybersecurity threats . Visit empowermyretirement . com and click on the Security Tips link at the bottom of the page . Log in to your account and start linking accounts Take advantage of all the tools available to you and link outside accounts to enjoy a 360 ° view of your finances. It’s easy to create your account if you haven’t already. Log on and select Register . Choose the I do not have a PIN tab. Choose the I have a plan enrollment code tab if you were provided a separate password by your employer. Follow the prompts to create your username and password. Click Español to view the website and receive your statements in Spanish. For more help, call 800 - 338 - 4015 . Representatives are available weekdays from 6 a.m. to 8 p.m. Mountain time and Saturdays from 7 a.m. to 3:30 p.m. Mountain time. 1 For more information regarding account security, including the Empower Security Guarantee, visit empower.com and, from the list of additional links at the bottom of the page, click Security center. Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., 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. iPhone, iPad, Apple, Apple Watch and App Store are trademarks of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google LLC. “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. ©2024 Empower Annuity Insurance Company of America. All rights reserved.. GEN - FLY - WF - 1218851 - 1021 RO3561491 - 0624 Get the Empower mobile app and connect to your plan whenever, wherever Accessing the site from your smartphone or tablet? Download the Empower app to view your account and link your financial life. Download the app in the App Store® and on Google Play TM . After you download the app, open it and follow the prompts to register your account. FOR ILLUSTRATIVE PURPOSES ONLY.

Withdrawal Contribution TAX TAX • Potentially lower your current taxable income. • May mean more money in your pocket today. • Any earnings grow tax deferred. Pretax 1 If your tax bracket will be lower in retirement, you may pay less in taxes at withdrawal. Pay taxes on contributions and earnings as ordinary income. TAX TAX TAX Roth 2 If your tax bracket will be higher in retirement, you may save by paying taxes now. • Pay taxes on contributions now. • Any earnings grow tax deferred. Earnings are federal tax-free with a qualified distribution. 3 Visit learningfromempower.com to access helpful information, videos, calculators, and more Pretax or Roth: Which road to take? Before you determine which road or combination of roads may be right for you, you’ll need to consider a few important factors, including when you want to pay taxes. Let’s take a closer look.

1 Contributions are made prior to tax withholding. 2 Contributions are made after tax withholding. 3 Subject to requirements, Roth contributions must be in your account for at least five years and the money withdrawn after you have reached age 59½, died, or been disabled. If a distribution is not qualified, the earnings are taxed as ordinary income and may be subject to early withdrawal penalties. 4 Eligible employer plans include qualified plans (e.g., 401(k), governmental 457(b), and 403(b) plans). Roth contributions can only be rolled over to another designated Roth account or to a Roth IRA. 5 If you are still employed with the employer who sponsors the plan or are less than a 5% owner of the business sponsoring the plan, you may not be required to take a minimum distribution. The IRS generally requires you to start taking minimum distributions at age 73. Investing involves risk, including possible loss of principal. Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc., 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. “EMPOWER” and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. ©2025 Empower Annuity Insurance Company of America. All rights reserved. WPM-FLY-WF-3082623-0325(4001566) RO4255688-0225 What to know before you hit the road Pretax contributions Roth contributions Is my contribution taxable in the year I make it? Is my contribution taxed when distributed? Are potential earnings on my contributions taxed when distributed? No, provided that it is a qualified distribution. 3 Can I contribute to both Roth and pretax plans? If I change jobs, can I roll over my account? Yes, to an eligible employer plan (if the plan allows it) or to an IRA. 4 Consider all your options, including taxes, fees and expenses, before moving money between accounts. Assess all benefits of current accounts before moving money. If I experience a financial hardship, can I make a withdrawal? Yes, if your plan allows hardship withdrawals. Do I have to take a minimum distribution at age 73? Once you reach age 73, you are generally required to begin taking minimum distributions. 5 Not required What is the maximum amount I can contribute? You may contribute up to the IRS limit each year. Check irs.gov for the limits.

STD PLHIGH ][ 01/05/26 )( 371094-01 NO_GRPG 126407/ ][ GP19 DOC ID: 1015183845 )( Page 1 of 2 Snellings Walters Insurance Agency Wealth Accumulation Plan Features and Highlights Read these highlights to learn more about your Plan. If there are any discrepancies between this document and the Plan Document, the Plan Document will govern. About the 401(k) Plan A 401(k) plan is a retirement savings plan designed to allow eligible employees to supplement any existing retirement and pension benefits by saving and investing through a voluntary salary contribution. Contributions and any earnings on contributions are tax-deferred until money is withdrawn. Eligibility Requirements Employee Before Tax To enroll in the Plan, employees must meet the following criteria: • Age 21 or older • Completed 6 month(s) of service Eligible employees may enroll quarterly, January 1, April 1, July 1, October 1 of each year. Safe Harbor Employer Non-elective Contribution To enroll in the Plan, employees must meet the following criteria: • Age 21 or older • Completed 6 month(s) of service Eligible employees may enroll quarterly, January 1, April 1, July 1, October 1 of each year. Profit Sharing To enroll in the Plan, employees must meet the following criteria: • Age 21 or older • Completed 6 month(s) of service Eligible employees may enroll quarterly, January 1, April 1, July 1, October 1 of each year. Please contact your Plan Administrator for information regarding excluded employees. Enrollment Once you are eligible to participate in the Plan, you will be automatically enrolled at a: • Before Tax rate of 6% Also, your contribution rate will automatically increase: • Before Tax percentage of 1% annually until you reach: • Before Tax percentage of 12% Unless you select a different deferral amount or choose to opt out of the Automatic Enrollment during the 30 day wait period prior to your participation date. If your Plan allows, you may change your deferral amount or opt out via the web or by calling the Voice Response System. Contribution Limits Before Tax In 2026, the Before Tax amount is between 1% and 100% of your compensation or $24,500.00, whichever is less. Participants turning age 50 or older in 2026, may contribute an additional $8,000.00. Participants who are age 60-63 during the calendar year in 2026, may contribute the age 50 limit plus $3,250.00. Roth The Roth option will give you the flexibility to designate all or part of your 401(k) elective deferrals as Roth contributions. Roth contributions are made with after-tax dollars, as opposed to the pre-tax dollars you contribute to a traditional 401(k). In other words, with the Roth option, you've already paid income taxes on money you contribute. With the traditional 401(k), your contribution is made on a pre-tax basis and you pay income taxes only when you take a distribution. If your FICA compensation (in Box 3 of your Form W-2) as of December 31, 2025 exceeded $150,000.00, then all of your age catch-up contributions must go into Roth. Employer Contributions Safe Harbor Employer Non-elective Contribution Your Plan may contribute a safe harbor employer non-elective contribution of 3% of included compensation. Profit Sharing Your Plan may provide for a profit sharing contribution in an amount to be determined by your employer. To be eligible for the profit sharing contribution into the Plan, employees must meet the following criteria: • Employed on the last day of the Plan year Vesting Schedule Vesting refers to the percentage of your account you are entitled to receive upon the occurrence of a distributable event. The value of your contributions to the Plan and any earnings they generate are always 100% vested (including rollovers from previous employers). The safe harbor employer non-elective contribution is immediately 100% vested. The value of employer profit-sharing contributions to the Plan, and any earnings they generate, are vested as follows: Years of Service Vested Percentage of Employer Contributions 0 - 1 Year(s) 0% 1 - 2 Year(s) 20% 2 - 3 Year(s) 40% 3 - 4 Year(s) 60% 4 - 5 Year(s) 80%

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)