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INGTO D AYYOURREM E NTERTINNS TA R TLLU ADVENTIST RETIREMENT PLANTRANSITION GUIDEAPL
Welcome to Fidelity Investments :A Guide to the Transition AheadGTO D AYINANNThis guide provides details for the transition of LLU AdventistRetirement Plan accounts held at Empower to new AHRPaccounts at Fidelity.REM E NTREITYOURImportant notice concerning your rights under theAdventist Retirement Plan: This notice is to inform youthat LLU employees currently receiving benefits underthe Adventist Retirement Plan will be moving into theAdventist Healthcare Retirement Plan (AHRP) andtransitioning recordkeeping and plan services fromEmpower to Fidelity effective January 1, 2021. Together,we are committed to offering you resources to help youmap out your retirement goals — and we’re here to helpyou at every step in your journey.LS TA R T PA special note for former employees,alternate payees, and plan beneficiaries:If you are a former employee, alternate payee,or beneficiary with an account balance in theAdventist Retirement Plan, some of the informationin this guide may not apply to you. However, youwill be affected by the upcoming transition, soplease read this material carefully.2Online: www.ahrp.comAHRP Retirement Center: 800-730-2477
Get Ready for the MoveEffective January 1, 2021, LLU employees will be moving from the AdventistRetirement Plan to the AHRP.Your retirement savings plans are an essential benefit, so you need the right information, resources, andsupport to help you make decisions confidently. With more than 70 years of financial services experience,Fidelity can help you put a plan in place that balances the needs of your life today with your retirement visionfor tomorrow.Use this guide as a resource to help you take an active role in your retirement planning and the transition ofyour Adventist Retirement Plan. We encourage you to:Review what is changing and take note of new services offered through AHRP at Fidelity.Review what is not changing and how to access your account.Review what you need to do and key dates.Table of ContentsPageTransition CalendarAttend a WorkshopTransition HighlightsInvestment OptionsTools and ResourcesKey Dates and Action Steps4–566–89 – 111213 – 14Online: www.ahrp.comAHRP Retirement Center: 800-730-24773
Transition CalendarIn order to transfer information from your current Adventist Retirement Planaccount at Empower to your new AHRP accounts at Fidelity, there will be atemporary period of time when you will be unable to make changes to, ordirect or diversify investments in, your individual accounts or obtain a loanor distribution from your current account.This time, during which you will be unable to exercise your rights otherwise available under the plans,is called a “blackout period.” The blackout period will begin at 4 p.m. ET on December 30, 2020, andis expected to end on January 22, 2021. Note that the blackout period for obtaining a loan, hardshipdistribution or withdrawal and initiating trades in a self-directed brokerage account starts on earlierdates, as described below. You will be notified by email or postcard when the blackout period hasended. During this time, you may also check on the status of the blackout period at www.ahrp.comor by calling the AHRP Retirement Center at 800-730-2477.Because you will be unable to direct or diversify your plan balance during the blackout period, it is veryimportant that you review and consider the appropriateness of your current investments. For your longterm retirement security, you should give careful consideration to the importance of a well-balanced anddiversified investment portfolio, taking into account all your assets, income, and investments.You should be aware that there is a risk to holding substantial portions of your account in the securities of anyone company, as individual securities tend to have wider price swings, up and down, in short periods of time,than investments in diversified funds. Stocks that have wide price swings might have a large loss during theblackout period, and you would not be able to direct the sale of such stocks from your account during theblackout period.Whether or not you are planning retirement in the near future, we encourage you to carefully consider howthis blackout period may affect your retirement planning and your overall financial plan.If you have any questions about this notice, or if you would like to make any changes to your account atEmpower before the start of the blackout period at 4 p.m. ET on December 30, 2020, please go online atwww.empowermyarp.com or call 866-467-7756.4Online: www.ahrp.comAHRP Retirement Center: 800-730-2477
Please review this transition calendar to understand how your account may be affected during thetransition period.KEY DATES*PLAN ACTIVITY/ACTION STEPSDecember 7, 2020at 4 p.m. ETThis is the last date to request paperwork from Empower to initiate a loan, hardship distributionor withdrawal.December 10, 2020at 4 p.m. ETThis is the last day to make any exchanges or trades in a self-directed brokerage account.December 17, 2020at 4 p.m. ETAll required paperwork to process a loan, hardship or withdrawal must be received by Empoweron this date.December 30, 2020 BLACKOUT PERIOD BEGINSat 4 p.m. ETThis is the last day at Empower to:Change how contributions (employee and/or employer contributions) will be invested.This is the last day to enroll or change your contribution rate.Request an exchange between investment options.December 31, 2020Account balances will be liquidated on this date. Review the Investment Options section of thisguide to learn how your current investments will transfer as a result of the transition.January 4, 2021Account balances and investment elections will transfer to Fidelity.January 22, 2021BLACKOUT PERIOD ENDSThe blackout period is expected to end. The AHRP Retirement Center at 800-730-2477 and websiteat www.ahrp.com will open for all plan services. You will be notified by email or postcard when theblackout period has ended, and you can:Visit www.ahrp.com to set up your username and password.When you log on to your account, you can:Review your account balances.Enroll in the plan.Request changes to your account.Access tools and resources.Access investment option descriptions.Research investment performance.Request a loan or distribution.Choose your beneficiaries.Call the AHRP Retirement Center at 800-730-2477 to speak with a representative who cananswer questions and walk you through any transaction you want to make in your account.Choose your beneficiaries. Beneficiary information did not transfer from Empower. Youmust designate your beneficiaries at www.ahrp.com or call the AHRP Retirement Centerat 800-730-2477 for help or request a paper form.January 2021Your final account statement from Empower will be sent to you.April 2021The first quarterly statement will be available online from Fidelity.Compare Fidelity’s statement with your final account statement from Empower. Contact Fidelitywith any questions.Account statements for the plans are available online and will not be automatically mailed toyour home.To change your mail preferences and request that statements be mailed to your home address,call the AHRP Retirement Center at 800-730-2477 or log on at www.ahrp.com. Simply click Profile,then Preferences.* The timing of the plan changes and transition period, including any asset reallocations, described within this brochure depends on a variety of factors,which may include the timing and accuracy of the transfer of data, receipt of instructions, and receipt of assets. Changes in any of these factors may resultin changes to the timing of the delivery of services, the transition period, and/or the dates on which, and thus the prices at which, assets in your account aresold and/or reinvested.Online: www.ahrp.comAHRP Retirement Center: 800-730-24775
Attend a WorkshopLearn about the transition to Fidelity and get answers to your questions.Web workshops will be available. To learn more about the transition andevents, visit the Transition to Fidelity section at www.ahrp.com. You willbe directed to the Fidelity transition web page and then you may selectthe Attend a Workshop tab to register for the Adventist Retirement Plantransition to AHRP workshop.Transition HighlightsLLU believes in offering a robust benefits program. Together with AHRP and Fidelity, we’ll provide a newlevel of service and commitment to help you prepare for retirement. Here are some new services anddetails of what’s new or changing during and after the transition.What’s new after the transition?6Contribution PercentageElectionsBeginning in January 2021, contribution elections to AHRP may be made as a wholeor fractional percentage of your pay.Matching and EmployerBasic ContributionsAHRP will match your contributions 50% on the first 6% per pay period. This is achange in the LLU employer matching contribution formula. In addition, an annualemployer basic contribution of 3% of your eligible earnings (not exceeding the SocialSecurity Wage Base), plus 2% of the amount of your eligible pay above Social SecurityWage Base will be made. The Social Security Wage Base for 2021 will be 142,800.If you are currently eligible for the Adventist Retirement Plan basic contribution, youwill continue to be eligible for the AHRP matching and employer basic contributions.VestingAll eligible participants of ARP will be immediately vested under the AdventistHealthcare Retirement Plan upon transitioning. You will continue to be 100% vestedin all contributions.Beneficiary DesignationsAfter the transition is complete, you must provide beneficiary information for yournew AHRP account. Beneficiary designations on file at Empower will not transferto Fidelity. With Fidelity’s Online Beneficiaries Service, you can designate yourbeneficiaries, receive an instant online confirmation, and check your beneficiaryinformation virtually anytime. You can designate your beneficiaries online or call theAHRP Retirement Center at 800-730-2477 for help or request a paper form.Online AccountStatementsYou can choose how you would like to receive your account statements from Fidelity.Your electronic account statement will be available online when you log on to youraccount. Statements will only be mailed to your home if elected.Investment OptionsTo help you meet your investment goals, AHRP offers you a range of options. You canselect a mix of investment options that best suits your goals, time horizon, and risktolerance.Online: www.ahrp.comAHRP Retirement Center: 800-730-2477
1Fidelity BrokerageLink Access additional investment choices for your retirement savings beyond thoseinvestment options available in AHRP. Self-directed brokerage accounts at Empowerwill transfer to Fidelity BrokerageLink . BrokerageLink investments are limited tomutual funds and ETFs that are available through Fidelity.Fidelity PersonalizedPlanning & Advice1AHRP has teamed up with Fidelity to offer a managed account service. It’s a greatway to help you get, and stay, on course toward your retirement goals. With Fidelity Personalized Planning & Advice, you get active retirement account management. Thismeans that Fidelity’s team of investment professionals invest, monitor, and rebalanceyour account as needed to adjust to changes in the market, or changes to yoursituation. You can enroll in the service when the transition is complete.Rebalance NotificationWith Fidelity’s rebalance notification service, you are notified via email anytime youraccount’s investment mix strays from your original strategy. You can sign up for theservice once the transition is complete.LoansAny outstanding loan balances in the Adventist Retirement Plan at Empower willtransfer to Fidelity. The transition will not affect the terms or length of your loan(s).Loan payments will change from being payroll deducted to automatic debits from yourpersonal bank or credit union. Once the transition is complete, a separate notice willbe sent with instructions to set up auto debits for your loan payments. You will be ableto select the day of the month for your loan repayment debit.AHRP RepresentativesAHRP Representatives are familiar with how the plan works and can answer yourquestions. They can also help you make updates and changes to your retirementsavings goals. Once the transition is complete, you can schedule a one-on-oneappointment at www.ahrp.com.AHRP WebsiteAccess the AHRP website, dedicated to retirement planning. When you log on, youcan manage your account, make investment choices, and find interactive tools tohelp you better prepare to meet your retirement savings goals.On January 22, 2021, access your account online at www.ahrp.com.AHRP Retirement CenterRepresentatives are equipped with detailed information about AHRP. BeginningJanuary 22, 2021, you can speak with a representative when you call the AHRPRetirement Center at 800-730-2477, Monday through Friday, from 8:30 a.m. tomidnight ET for assistance.Fidelity Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic Advisers LLC.Both are registered investment advisers and Fidelity Investments companies and may be referred to as “Fidelity,” “we,” or “our” within. For moreinformation, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized Planning & Advice refers exclusively toFidelity Personalized Planning & Advice at Work. This service provides advisory services for a fee, which will be paid from your account.Online: www.ahrp.comAHRP Retirement Center: 800-730-24777
Transition Highlights (continued)What will continue during and after the transition?8Payroll ContributionsIf you are already participating in the Adventist Retirement Plan, you are not requiredto re-enroll as a result of this transition process. Your elected contribution amount willcontinue to be withheld from your pay during the transition, as well as after thetransition is complete.Your pretax and Roth contribution(s) deducted from your pay, including catch-upcontributions, if applicable, in effect on December 30, 2020, will carry over toFidelity. You can change these contribution elections at any time after the transitionis complete.Annual IncreaseContribution ProgramARP increases participants contributions by 1% each year until 7% has been reached.If you’d like to continue automatic increase each year to keep pace with yourfinancial retirement goals, you can opt into the annual increase program underFidelity after the transition is complete.Future InvestmentAllocation ElectionsYou will not be required to make new investment allocation elections for futurecontributions because of this transition process. Your investment elections on filewith Empower will transfer to Fidelity according to the Investment Options sectionof this guide.Systematic WithdrawalPaymentsIf you are receiving systematic withdrawal payments (such as monthly installmentpayments) from Empower, your December payment may be made earlier thanschedule, however, payments will continue as scheduled after the transition iscomplete.Online: www.ahrp.comAHRP Retirement Center: 800-730-2477
Investment OptionsOverviewAHRP gives you a choice of investment options that allow you the flexibility to build a strategy to meetyour needs—both long and short term. Depending on which funds you currently invest in, some of yourinvestments may change.Changes could occur during the transition period that could result in changes to the asset transferstrategy described here.You don’t need to take any action for your current account to transition to your new AHRP accountat Fidelity. Now is an excellent time to look at your situation and decide whether changes might beappropriate to better align your investment approach with your retirement goals.Investment Options AvailableBefore making your investment decisions, it is important that you become familiar with the various optionsavailable in AHRP. Additional information regarding each investment option’s risk, as well as its strategyand objective, can be found in the Investment Options Guide on the Fidelity transition web page atwww.ahrp.com. Please consider all investment information before choosing your investments.INVESTMENT OPTIONS AVAILABLE IN AHRPBlackRock LifePath Index 2025BlackRock LifePath Index 2030BlackRock LifePath Index 2035BlackRock LifePath Index 2040BlackRock LifePath Index 2045BlackRock LifePath Index 2050BlackRock LifePath Index 2055BlackRock LifePath Index 2060BlackRock LifePath Index 2065BlackRock LifePath Index RetirementBlackRock MSCI ACWI ex-U.S. IMI IndexBlackRock Russell 3000 IndexBlackRock U.S. Debt IndexCapital Preservation AccountCOMERICA SDA INTL EQCOMERICA SDA TTL BDCOMERICA SDA US EQOnline: www.ahrp.comAHRP Retirement Center: 800-730-24779
Investment Options (continued)Investment Options That Are ChangingWhen the market closes (generally 4 p.m. ET) on December 31, 2020, the current investment optionsoffered through the Adventist Retirement Plan listed in the following table will no longer be available. As aresult, current account balances and investment allocation elections for future contributions will transfer onJanuary 4, 2021, to the new investment option. Once the blackout period has ended on January 22, 2021,all plan services will be available, including the ability to make investment exchanges within your account.CURRENT INVESTMENT OPTION AS OFDECEMBER 31, 2020, AT 4 P.M. ETAmerican Funds EuroPacific Growth Fund Class R-6American Funds The Growth Fund of America ClassR-6Comerica SDA Emerging Markets Equity Index BComerica SDA International Equity Index BComerica SDA Large Cap Equity Index BComerica SDA Mid and Small Cap Equity Index BComerica SDA Short Term Bond Index BComerica SDA Total Market Bond Index BComerica US Government Long Bond BComerica US Treasury Inflation Protected Nts-ItmtIndex BDFA Emerging Markets Social Core PortfolioDFA U.S. Small Cap Value Portfolio Institutional ClassDodge & Cox International Stock FundDodge & Cox Stock FundGalliard Adventist Retirement MGD INC FDGreat West Secure Foundation Bal InstlGreat-West T. Rowe Price Mid Cap Gr InstMetropolitan West Total Return Bond Fund Plan ClassPIMCO All Asset Fund Institutional ClassT. Rowe Price International Stock FundVanguard Equity-Income Fund Admiral SharesVanguard Federal Money Market Fund InvestorShares*Vanguard Growth and Income Fund Admiral SharesVanguard Intermediate-Term Investment-Grade FundAdmiral SharesVanguard Intermediate-Term Treasury Fund AdmiralSharesVanguard Real Estate Index Fund Institutional SharesNEW INVESTMENT OPTION WITH FIDELITY,EFFECTIVE AS OF JANUARY 4, 202144444444444444444444444444BlackRock MSCI ACWI ex-U.S. IMI IndexBlackRock Russell 3000 lndexBlackRock MSCI ACWI ex-U.S. IMI IndexComerica SDA International Equity IndexComerica SDA US Equity MarketsComerica SDA US Equity MarketsComerica SDA Total Bond Market lndex FundComerica SDA Total Bond Market lndex FundBlackRock U.S. Debt IndexBlackRock U.S. Debt IndexBlackRock MSCI ACWI ex-U.S. IMI IndexAHRP Capital Preservation AccountBlackRock MSCI ACWI ex-U.S. IMI IndexBlackRock Russell 3000 lndexAHRP Capital Preservation AccountAHRP Capital Preservation AccountBlackRock Russell 3000 lndexBlackRock U.S. Debt IndexAHRP Capital Preservation AccountBlackRock MSCI ACWI ex-U.S. IMI IndexBlackRock Russell 3000 lndexAHRP Capital Preservation AccountBlackRock Russell 3000 lndexBlackRock U.S. Debt IndexBlackRock U.S. Debt IndexAHRP Capital Preservation Account*You could lose money by investing in a money market fund. Although the fund seeks to preserve the valueof your investment at 1.00 per share, it cannot guarantee it will do so. An investment in the fund is notinsured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.The fund’s sponsor has no legal obligation to provide financial support to money market funds and youshould not expect that the sponsor will provide financial support to the fund at any time.10Online: www.ahrp.comAHRP Retirement Center: 800-730-2477
Investment Options (continued)Self-Directed Brokerage Transferring to Fidelity BrokerageLink When the market closes (generally 4 p.m. ET) on December 31, 2020, the self-directedbrokerage option available through Empower will no longer be available. As a result,current account balances and future contributions held in self-directed brokeragewill transfer to Fidelity BrokerageLink on or about December 31, 2020. You will receivea separate communication with the details on your brokerage account transfer.Default Investment OptionAHRP has determined that applicable account balances and investment allocations for future contributionsthat you have not directed to a specific investment option will be invested in a BlackRock LifePath Indextarget date fund that has a target retirement date closest to the year you might retire and assumes aretirement age of 65. The following date of birth table was selected by the plan administrator.Target date funds are an asset mix of stocks, bonds, and other investments that automatically becomesmore conservative as the fund approaches its target retirement date and beyond. Principal invested is notguaranteed.Please use the guidelines in the table below to determine in which target date fund applicableaccount balances and investment allocations for future contributions will be invested.DEFAULT INVESTMENT OPTIONS:FUND NAMEDATE OF BIRTHBlackRock LifePath Index Retirement01/01/1900–12/31/1957BlackRock LifePath Index 202501/01/1958–12/31/1962BlackRock LifePath Index 203001/01/1963–12/31/1967BlackRock LifePath Index 203501/01/1968–12/31/1972BlackRock LifePath Index 204001/01/1973–12/31/1977BlackRock LifePath Index 204501/01/1978–12/31/1982BlackRock LifePath Index 205001/01/1983–12/31/1987BlackRock LifePath Index 205501/01/1988–12/31/1992BlackRock LifePath Index 206001/01/1993–12/31/1997BlackRock LifePath Index 206501/01/1998–12/31/2099Online: www.ahrp.comAHRP Retirement Center: 800-730-247711
Tools and ResourcesLog on to www.ahrp.comafter the transitionBeginning January 22, 2021 (after the blackout period ends):The www.ahrp.com website isdesigned so you can quickly andeasily set up, monitor, and manageyour retirement savings accounts.If you have a username and password for otheraccounts at Fidelity, you can use that information toaccess your retirement account.If you do not have a Fidelity username and password,log on to your account at www.ahrp.com, selectRegister at the top of the home page and follow thestep-by-step instructions.Online resources to help you succeedOnce your account is set up, it’s time to make sure your investment strategy is on track. From practicaleducation to easy-to-use tools, you now have access to Fidelity’s innovative resources and insights to helpyou make informed decisions.IF YOU WANTTAKE THESE STEPS:HELP WITH:Taking Control of Your Answer just a few questions and you’ll be able to:Financial FutureEstimate how much income you may have—or need—in retirementReceive tips to help you get or stay on trackCreate a retirement plan in minutesFinancial LearningArticles, infographics, videos, and more—to suit your interestsand skill level.ResourcesSaving for Retirement See how increasing your contributions may help your moneygrow over time.View hypothetical scenarios showing some differences betweena Roth deferral and a pretax deferral.See how your pretax contribution might affect yourtake-home pay.Saving and Spending Understand how much you may need to save and what youroptions are for investing.Easily monitor all your Fidelity and non-Fidelity online financialaccounts in one secure place.See how your savings and spending compare using a simplerule of thumb.Investing StrategiesDetermine how to invest your savings among stocks, bonds, andshort-term investments.Build a portfolio for your retirement income.Getting Readyto RetireIf you’re retiring or approaching retirement, create anincome plan.USE THIS ONLINERESOURCE:Planning &Guidance CenterLibraryContribution CalculatorRoth ModelerTake-Home PayCalculatorCollege PlannerFull View Savings andSpending CheckupDetermine YourAsset Mix WorksheetFidelity IncomeStrategy Evaluator Planning &Guidance CenterIMPORTANT: The projections or other information generated by Fidelity’s Income Strategy Evaluator and Planning & GuidanceCenter Retirement Analysis tools regarding the likelihood of various investment outcomes are hypothetical in nature, do notreflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. Full View is an account aggregation service (the “Service”) operated by eMoney Advisor, LLC (“eMoney”), a Fidelity affiliate. This Service is madeavailable to you as a Fidelity customer at no additional charge and is subject to certain limitations and restrictions. The Terms of Service, PrivacyPolicy, and Security Policy that govern your use of Full View differ from those applicable to your experience at Fidelity. Review carefully prior touse. Full View is a registered service mark of FMR LLC.12Online: www.ahrp.comAHRP Retirement Center: 800-730-2477Terms of Service – delityPrivacy Policy – fidelitySecurity Policy – ?fidelity
Key Dates and Action StepsBefore the blackout period begins on December 30, 2020:Make any changes to your account at Empower.Call 866-467-7756 or go online at www.empower-retirement.com.After the blackout period, scheduled to end January 22, 2021:Log on to www.ahrp.com to:Set up your username and password to access your account.Add your preferred email address and select eDelivery.Enroll in the plan, adjust your contribution amount,and/or change your investment elections.Enter your beneficiary information.Research investment options.Go mobile! Download the NetBenefits app.Online: www.ahrp.comAHRP Retirement Center: 800-730-247713
Download the NetBenefits mobile app.Download the NetBenefits MobileApp!Access all your Fidelity workplace accounts — anytime, anywhere.*After the transition is complete you can access all your accounts—anytime, anywhere.*ALERTSGet messagesabout timely actionsto take within youraccount.VIEWVIEWReview accountReviewaccountbalances,balances,investments, yourinvestments,yourpersonal ratepersonalrateofofreturn,return,nextsteps,next steps,andandmore.more.ACTLEARNAccess stments,and interactivetools.updateyour profileor beneficiaries, sendpaperwork, and more.Download the NetBenefits apptoday for Apple, Android, Amazondevices or the Windows Surface.PLANPLANSeehowmuchmuch oreRetirement or investments,videos,podcasts,updateyour profileandinteractivetools.or beneficiaries, sendpaperwork, and /NetBenefitsappDownload the NetBenefits app todayfor an Apple, Android, or Amazon deviceorfor the Microsoft Surface.Screenshots are for illustrative purposes only.System availability and response times may vary.Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a registered service mark of Apple Inc.Android and Google Play are trademarks of Google Inc.Microsoft and Windows are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries.*Thereis a rks andperiodservicewhenmarkssomeare thepropertyof nottheirberespectiveowners. All other trademarks and service marks are the property of FMR LLC or anScreenshotsare forandillustrativepurposes only.affiliated company,may be registered.Systemand responsetimesmayservicesvary. may not be available.* There availabilityis a maintenanceperiod whensomeApple and the Apple logo are registered trademarks of Apple Inc. App Store is a registered service mark of Apple Inc.Android and Google Play are registered trademarks of Google LLC.Microsoft and Microsoft Surface are registered trademarks of Microsoft Corporation in the United States and/or other countries.Any third-party trademarks or service marks appearing herein are the property of their respective owners. All other trademarks and service marks appearing14Approvedfor usein advisor and 401(k) markets. Firm review may apply.Online:www.ahrp.comFidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917AHRP Retirement Center: 800-730-2477 2020 FMR LLC. All rights reserved.669724.18.01.9585483.11039826 02/0320
Online: www.ahrp.comAHRP Retirement Center: 800-730-247715
INGTO D AYYOURREM E NTREITANNLS TA R T PInvesting involves risk, including risk of loss.This document provides only a summary of the main features of AHRP, and the plan document will govern in the event of any discrepancies.BrokerageLink includes investments beyond those in your plan’s lineup. You should compare investments and share classes that are available in yourplan’s lineup with those available through BrokerageLink, and determine the available investment and share class that is appropriate for your situation.The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure that the investmentsyou select are suitable for your situation, including your goals, time horizon, and risk tolerance.Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 2020 FMR LLC. All rights reserved.943584.3.0ARP AHRP
the Adventist Retirement Plan will be moving into the Adventist Healthcare Retirement Plan (AHRP) and transitioning recordkeeping and plan services from Empower to Fidelity effective January 1, 2021. Together, we are committed to offering you resources to help you map out your retirement goals — and we're here to help
