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TRANSITION GUIDEYourJourneyto RetirementNOVANT HEALTHRETIREMENT PLUS PLAN
Get ready for the changes aheadStarting July 18, 2016 Fidelity Investments will be thenew service provider for the Novant Health RetirementPlus Plan.Your Retirement Plus Plan is an important benefit, so you need the right information,resources, and support to help you make decisions with confidence. With more than65 years of financial services experience, Fidelity can help you put a plan in place thatbalances the needs of your life today with your retirement vision for tomorrow.Use this guide as a resource to help you understand the events taking place during thetransition from Empower Retirement to Fidelity Investments.Page 3Discover what your Retirement Plus Plan offers — new services and featuresare being added.Page 5Review the key transition dates and take note of services that will betemporarily unavailable during the transition period.Page 7Step by step instructions on how to choose your investment options andmake your beneficiary designations.Page 9Explore your Plan’s new investment lineup.Page 12Take advantage of the tools and resources you need to help you makeconfident investment decisions.Page 15Transition workshop schedule.During the transition, the Franklin and Upstate 401(k)Plans will be merged into the Novant Health Savingsand Supplemental Retirement Plan.The Plans’ provisions will not change but they will notbe listed as separate plans after the transition iscomplete.Important notice concerning your rights under the Novant Health Tax Deferred Savings Plan and Novant Health Savingsand Supplemental Retirement Plan: This notice is to inform you that the Plans will be transferring to Fidelity Investments.2
Transition HighlightsAt Novant Health we believe in offering a strong benefits program. Together with Fidelity, we’ll continue toprovide a high level of service and commitment to help you prepare for retirement.What’s new Investment optionsThe investment options offered by the Plan will be updated to provide adiverse selection that covers all of the major asset classes- stocks, bonds andshort term investments. You will have the opportunity to choose yourinvestments for the Plan beginning June 1, 2016.Deferral elections will bemade through Fidelity as %onlyWhen the transition is complete, all deferral elections for your Plan will bemade through Fidelity- either online or by phone. You will no longer gothrough Novant Health to update the amount you wish to contribute to thePlan from your pay.In addition, all deferral elections at Fidelity will be made as a percentage ofyour pay from 1 – 60%. You will no longer be able to elect to contribute a flatdollar amount each payroll period. Any current dollar amount or partialpercentage elections at Novant Health will be converted to an equivalentpercentage of pay and rounded to the nearest tenth of a percent.All team members with a dollar deferral election will receive a letter regardingthe conversion to a percentage. If you currently have a dollar election onyour account and do not wish to have it converted in the transition, pleasemake your change with Novant Health by July 23, 2016 to elect thepercentage you prefer.Prior employer contributionswill be combinedCurrently, account balances from prior companies that have been acquired byNovant Health are recordkept as separate sources of assets in the Plan.During the transition all prior company sources will be consolidated to theextent possible.Beneficiary designationsBeneficiary elections for your Plan at Fidelity can be made online beginningJune 1, 2016. Beneficiary information currently on file at Novant Health will nottransfer to Fidelity.You will be able to designate your beneficiaries on NetBenefits atwww.netbenefits.com/novanthealth or call the Fidelity Retirement ServiceCenter at 1-800-343-0860 to request a beneficiary form by mail tocomplete and return.NetBenefits Web sitewww.netbenefits.com/novanthealthAccess to Fidelity’s comprehensive Web site dedicated to retirement planning.Here is where you will manage your account, make decisions on yourinvestment choices, and find interactive tools and calculators to help youbetter prepare to meet your retirement savings goals. See the “Tools andResources” section of this guide for more details.Annual increase programAn optional service that helps you keep pace with your goals by increasingyour contribution amount each year. You choose the date of the increase andthe amount, from 1-10%, and can opt out at any time.Rebalance notificationGet notified via email any time your account’s investment mix strays from youroriginal strategy.Fidelity Retirement PlannersKnowledgeable professionals equipped with detailed information about thePlan and the financial know-how to help get you on your way will beavailable for on-site one on one consultations on an ongoing basis.** Please note that Fidelity Retirement Planners provide educational services only and do not provide investment advice.3
What will continue During the transition, some account activities will continue, including:Payroll contributionsYour contributions deducted from your pay, in effect as of July 23, 2016 willcontinue and transfer to Fidelity. Remember, however, that fixed dollaramounts will be converted to percentages.Matching contributions andvestingMatching contributions made to your account by Novant Health will continueat the same rate of 100% of the first 6% you contribute to the Plan. Vestingwill not be affected by the transition.Outstanding loansAny outstanding loan balances in the Plans at Empower will transfer toFidelity. If you are currently an active participant in the Plan, you will continueto repay your loan(s) in the same manner as you have with Empower.1,21Loan repayments received during the blackout period will be invested in the Vanguard Federal Money Market Fund InvestorShares until the blackout period ends. At that time, loan repayments and any associated earnings will be posted to your accountaccording to your investment elections on file with Fidelity. If you do not have any elections on file, your loan repayments and anyassociated earnings will be invested in a State Street Target Retirement Fund corresponding to your age and anticipatedretirement date. See page 13.2You 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.Fidelity Investments and its affiliates, the fund’s sponsor, have no legal obligation to provide financialsupport to money market funds and you should not expect that the sponsor will provide financial support tothe fund at any time.Attend a WorkshopFidelity Retirement Planners will be on-site and online to deliver the “Making the Most of your RetirementPlan Transition” workshop. Attend a workshop to learn more about the important changes to the Plan andget answers to your questions.Representatives will also be available for one-on-one consultations if you have questions aboutwhich investment options may be right for you or other retirement planning questions.You can schedule a one on one consultation at www.fidelity.com/reserve or by calling1-800-603-4015 from 8am to 9pm weekdays.Please see the schedule beginning on page 15 for dates and times at your location and available webinarsessions.Please note that Fidelity Retirement Planners and Representatives provide educational services only and do not provideinvestment advice.4
Activity CalendarPlease review this activity calendar to understand how your account may be affected during thetransition period.To ensure that all information is transferred accurately from your current Plan account at Empower to yournew Plan account at Fidelity, there will be a period of time when you will be unable to direct or diversifyinvestments in your individual accounts, obtain a loan from the Plan, or obtain a distribution from the Plan.This period during which you will be unable to exercise these rights otherwise available under the Plan iscalled a “blackout period.” Whether or not you are planning retirement in the near future, we encourageyou to carefully consider how this blackout period may affect your retirement planning, as well as youroverall financial plan.The blackout period for the Plan is expected to begin on July 8, 2016 and end during the week of July 31,2016. During these weeks, you can determine whether the blackout period has started or ended bycontacting the Fidelity Retirement Service Center at 1-800-343-0860.During the blackout period, you will be unable to direct or diversify the assets held in your Plan account.For this reason, it is very important that you review and consider the appropriateness of your currentinvestments in light of your inability to direct or diversify those investments during the blackout period. Foryour long-term retirement security, you should give careful consideration to the importance of a wellbalanced and diversified investment portfolio, taking into account all your assets, income, andinvestments.If you have any questions concerning this blackout, you should contact the Fidelity Retirement ServiceCenter at 1-800-343-0860.If you have any questions or if you would like to make any changes to your account at Empower beforethe start of the blackout period, please go online at www.retirementplusonline.com or call 1-877-900-8992before July 8, 2016 at 4pm ET.KEY DATESPLAN ACTIVITY/ACTION STEPSJune 1 to June 30,2016 at 4pm ETChoose your Investment options and designate your beneficiaries for each Plan inwhich you are enrolled.As part of the transition, you have an opportunity to direct how you want to invest yourassets when your Plan accounts transition to Fidelity on July 18th. The investment choicesyou make will be effective for your current account balances and future contributions to thePlan, and will be in effect at the time the transition is complete. To make your investmentchoices, log on to NetBenefits at www.netbenefits.com/novanthealth or call the FidelityRetirement Service Center at 1-800-343-0860.If you do not elect your investment options during this time, your current accountbalances with Empower and future contributions will be directed to the Plan’s defaultinvestment option, a State Street Target Retirement Fund. Review the “Defaultinvestment option” section beginning on page 12 to learn more.Information regarding each investment option’s risk, as well as its strategy and objective,including a prospectus or fact sheet, if available, can be obtained on NetBenefits . Pleaseconsider all investment information before choosing your investments.If you have questions about which investment options may be right for you pleasecontact the Fidelity Retirement Planning Team at 1-800-603-4015. Please note that theFidelity Retirement Planning Team provides educational services only and doesnot provide investment advice.You can also designate your beneficiaries online for the Plan at Fidelity during the electionwindow. Your elections on file at Novant Health will not transfer to Fidelity. If no beneficiaryelections are on file at the time of your death, the default beneficiary designation under thePlan (i.e., your spouse if you are married, your estate if you are not married at the time ofyour death) will apply.5
KEY DATESPLAN ACTIVITY/ACTION STEPSJuly 8, 2016at 4 p.m. ETBLACKOUT PERIOD BEGINSReturn all necessary paperwork to Empower to process a loan or distribution before theblackout period begins. Please allow enough time to request, receive, complete, and returnthe paperwork to Empower before this deadline.This is the last day at Empower to: Change how contributions will be Check your account balance.invested at Empower. Request an exchange between Request a loan or distribution.investment options.July 15, 2016At 4 p.m. ETYour account balances at Empower are valued at the close of the market.July 18, 2016Your account balances are scheduled to transfer to Fidelity based on the elections youmade during the election window. If no elections are made your balance will be transferredto a State Street Target Retirement Fund. Please Review the “Default investment option”section beginning on page 12 to learn more.July 23, 2016This is the last day to make changes to your deferral rate at Novant Health. After this date,deferral changes will be unavailable until the blackout period has ended. Going forward, alldeferral elections will be made through Fidelity.Week of July 31,2016BLACKOUT PERIOD ENDSThe blackout period is expected to end, and the Fidelity Retirement Service Center andNetBenefits Web site will open for all Plan services. On NetBenefits you can:- Review your account balances.- Enroll in the Plan.- Request changes to your account.- Access investment option descriptions.- Research investment performance.- Request a loan or distribution.Call 1-800-343-0860 to speak with a Fidelity representative who can answer questionsand walk you through any transaction you want to make in your account.Designate your beneficiaries. Beneficiary information currently on file at Novant Healthwill not transfer to Fidelity. You can designate your beneficiaries on NetBenefits atwww.netbenefits.com/novanthealth or call the Fidelity Retirement Service Center at1-800-343-0860 to request a beneficiary form by mail to complete and return.August 2016Final account statement from Empower will be mailed to you.October 2016First quarterly statement is mailed from Fidelity. You will receive one combined statementfor all Plans at Novant Health in which you are enrolled. Compare Fidelity’s statement with your final account statement from Empower.Contact Fidelity with any questions.Account statements for the Plan are also available online through NetBenefits.The timing of the Plan changes and transition period described in this brochure depends upon the timing andaccuracy of a variety of factors that may include the transfer of data, receipt of instructions and receipt of assets.Changes in any of these factors may result in 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 are sold and/or reinvested.6
Choose your investment options and designate your beneficiariesJune 1- June 30, 2016 at 4p.m. ETStep 1- Log on to Fidelity NetBenefits Beginning June 1, 2016, log on to NetBenefits at www.netbenefits.com/novanthealth. If you have aUsername and Password for other accounts at Fidelity, you can use that information to access yourNovant Health retirement account. If you do not have a Fidelity Username and Password, you can access NetBenefits atwww.netbenefits.com/novanthealth. Click Register at the top of the screen and follow the step-by-stepinstructions to set up your account. You will be asked for the last 4 digits of your SSN, your name andyour date of birth.Screenshots are for illustrative purposes only.Step 2- Access the investments for each of your Novant HealthRetirement Plus Plan accounts.After logging in, select Change Investments from the Quick Links menu for the Plan in which you wish tomake elections. Be sure to make elections for each Plan in which you are enrolled.If you are unsure which investment options to choose, the “Performance & Research” tab providesdetailed information for each investment option. If you would like further assistance, the “InvestmentGuidance” tab can help you create an asset allocation using a variety of online planning tools.Step 3- Choose your elections for the asset transfer and futurecontributionsWhen you are ready to make your elections, choose the “Future Investments” option under the “ChangeInvestments” tab.7
Choose your investment options continued:Then, choose Select Funds in the Choose your Own Investments boxSelect the investments in which you want to invest (total must equal 100%), then click “Update & Continue”.You will then be taken back to the previous screen, where you will see your chosen elections. Click Next.You may be asked to select a delivery option for prospectus delivery. Either indicate you have received theprospectus in the past 30 days or click View to review the prospectus for the options you have chosenonline. To continue, click Next at the bottom of the screen.Review your investment elections and click Submit. You’re all set! You may wish to print a copy of theconfirmation screen for your records.Designate your beneficiariesClick Profile at the top of the home page.Then choose Beneficiaries from the About You menu. The system will guide you through the process todesignate your beneficiaries for the Plan.8
Investment OptionsBefore investing in any investment option, consider the investment objectives, risks, charges, andexpenses. Contact Fidelity for a mutual fund or variable annuity prospectus or, if available, asummary prospectus containing this information. Read it carefully.OverviewThe new investment lineup will be structured in three distinct groups, ortiers. The approaches vary and are intended for investors with differentlevels of investment experience. They are also dependent on the level ofinvolvement you want in managing your investment mix. Remember, anyof the investment options offered by your Plan are available to you at anytime so you could choose options from each tier to create an assetallocation that best fits your needs. Fund descriptions for all of the optionsin your Plan are available on the Novant Health Transition Website atwww.netbenefits.com/novanthealth.Tier 1: Target Retirement Funds“I feel more comfortable with an investing approach based on a target retirement date.”The State Street Target Retirement Funds (Class K in the TDSP and Non-Lending Series Class M in theSSRP) are designed for investors expecting to retire around the year indicated in each fund’s name.Except for the State Street Target Retirement Income Fund, the funds’ asset allocation strategy becomesincreasingly conservative as it approaches the target date and beyond. Ultimately, the funds are expectedto merge with the State Street Target Retirement Income Fund. The investment risk of each Fundchanges over time as the funds’ asset allocations change. The funds are subject to the volatility of thefinancial markets, including equity and fixed income investments in the U.S. and abroad, and may besubject to risks associated with investing in high-yield, small-cap, commodity-linked, and foreignsecurities. Principal invested is not guaranteed at any time, including at or after the target dates.If you are looking for a hands-off investment style you may want to consider a Target Retirement Fund option.Tier 2: Passive Core Investment Options“I want to pick my own investments, but I want them to be tied to a specific market index.”With this approach you determine and maintain the mix of investments in your Plan account usingpassive index options. Index options are not actively managed and track the performance of a specificstock or bond index.Tier 3: Active Core Investment Options“I’m comfortable managing my own investments.”This tier is for investors who are interested in actively managed funds. You can choose from investmentoptions representing a variety of investment styles offered through several investment companies. Theseoptions allow you the flexibility to build an investment strategy to meet your needs—both long and shortterm. The options have different strategies and goals and invest in specified types of investmentsincluding international and domestic stocks, bonds and short term investments.9
Your TDSP Plan’s investment lineup as of July 18, 2016INVESTMENT OPTIONTICKER SYMBOLTier 1- Target Date Investment OptionsTicker SymbolState Street Target Retirement Income Fund Class KSSFOXState Street Target Retirement 2015 Fund Class KSSBHXState Street Target Retirement 2020 Fund Class KSSBOXState Street Target Retirement 2025 Fund Class KSSBSXState Street Target Retirement 2030 Fund Class KSSBYXState Street Target Retirement 2035 Fund Class KSSCKXState Street Target Retirement 2040 Fund Class KSSCQXState Street Target Retirement 2045 Fund Class KSSDEXState Street Target Retirement 2050 Fund Class KSSDLXState Street Target Retirement 2055 Fund Class KSSDQXState Street Target Retirement 2060 Fund Class KSSDYXTier 2- Passive Core Investment OptionsTicker SymbolState Street Aggregate Bond Index KSSFEXState Street Equity 500 Index KSSSYXState Street Global Equity ex-U.S. Index Fund Class KSSGLXState Street Small/Mid Cap Equity Index KSSMKXTier 3- Active Core Investment OptionsTicker SymbolAQR International Equity R6AQIRXColumbia Contrarian Core Fund Class YCOFYXDFA Inflation-Protected Securities Portfolio Institutional ClassDIPSXDFA U.S. Small Cap Portfolio Institutional ClassDFSTXPIMCO Low Duration II Fund Institutional ClassPLDTXPrudential Total Return Bond Fund Class QPTRQXVanguard Federal Money Market Fund Investor SharesVMFXXThe Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, whichmeans that fiduciaries of the Plan are ordinarily relieved of liability for any losses that are the direct andnecessary result of investment instructions given by a participant or beneficiary.10
Your SSRP Plan’s investment lineup as of July 18, 2016INVESTMENT OPTIONTICKER SYMBOLTier 1- Target Date Investment OptionsTicker SymbolState Street Target Retirement Income Non-Lending Series Fund Class MNAState Street Target Retirement 2015 Non-Lending Series Fund Class MNAState Street Target Retirement 2020 Non-Lending Series Fund Class MNAState Street Target Retirement 2025 Non-Lending Series Fund Class MNAState Street Target Retirement 2030 Non-Lending Series Fund Class MNAState Street Target Retirement 2035 Non-Lending Series Fund Class MNAState Street Target Retirement 2040 Non-Lending Series Fund Class MNAState Street Target Retirement 2045 Non-Lending Series Fund Class MNAState Street Target Retirement 2050 Non-Lending Series Fund Class MNAState Street Target Retirement 2055 Non-Lending Series Fund Class MNAState Street Target Retirement 2060 Non-Lending Series Fund Class MNATier- 2 Passive Core Investment OptionsTicker SymbolState Street Global All Cap Equity Ex-U.S. Index Non-Lending Series FundClass KNAState Street Russell Small/Mid Cap Index Non-Lending Series Fund Class CNAState Street S&P 500 Index Non-Lending Series Fund Class KNAState Street U.S. Bond Index Non-Lending Series Fund Class CNATier- 3 Active Core Investment OptionsTicker SymbolAQR International Equity FundNAColumbia Contrarian Core Fund Class YCOFYXDFA Inflation-Protected Securities Portfolio Institutional ClassDIPSXDFA U.S. Small Cap Portfolio Institutional ClassDFSTXPIMCO Low Duration II Fund Institutional ClassPLDTXPrudential Core Plus Bond Fund Class 5NAVanguard Federal Money Market Fund Investor Shares11VMFXX
Default investment optionIf no investment elections are made during the election window from June 1 to June 30, yourcurrent account balances with Empower will be invested in a State Street Target Retirement Fund(Class K in the TDSP and Non-Lending Series Class M in the SSRP) that has a target retirementdate closest to the year you might retire and assumes a retirement age of 65.Please use the guidelines in the table below, to determine in which State Street Target Retirement Fundyour current account balances and future contributions will be invested if no elections are made in theelection window from June 1 to June 30, 2016. This chart applies to both Plans.DATE OF BIRTHFUND NAMETARGETRETIREMENT DATE12/31/1947 or EarlierState Street Target Retirement Income Fund2012 or Earlier1/1/1948 - 12/31/1952State Street Target Retirement 2015 Fund2013 - 20171/1/1953 - 12/31/1957State Street Target Retirement 2020 Fund2018 - 20221/1/1958 - 12/31/1962State Street Target Retirement 2025 Fund2023 - 20271/1/1963 - 12/31/1967State Street Target Retirement 2030 Fund2028 - 20321/1/1968 - 12/31/1972State Street Target Retirement 2035 Fund2033 - 20371/1/1973 - 12/31/1977State Street Target Retirement 2040 Fund2038 - 20421/1/1978 - 12/31/1982State Street Target Retirement 2045 Fund2043 - 20471/1/1983 - 12/31/1987State Street Target Retirement 2050 Fund2048 - 20521/1/1988 - 12/31/1992State Street Target Retirement 2055 Fund2053 - 20271/1/1993 or LaterState Street Target Retirement 2060 Fund2058 or LaterThe target retirement timeline and retirement age were selected by the Retirement Committee acting as an ERISA fiduciary.The State Street Target Retirement Funds are designed for investors expecting to retire around the yearindicated in each fund’s name. The funds are managed to gradually become more conservative over timeas they approach the target retirement date. The investment risk of each State Street Target RetirementFund changes over time as its asset allocation changes. The funds are subject to the volatility of thefinancial markets, including that of equity and fixed income investments in the U.S. and abroad, and maybe subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principalinvested is not guaranteed at any time, including at or after the target dates.12
The State Street Target Retirement Funds are made up of a mix of 11 underlying mutual funds:State Street Equity 500 Index II PortfolioState Street Small/Mid Cap Equity Index PortfolioState Street Global Equity ex-U.S. Index PortfolioStandard & Poor's Depositary Receipts (SPDR) Dow Jones Global Real Estate ETFState Street Aggregate Bond Index PortfolioSPDR Barclays 1-10 Year TIPS ETFSPDR Barclays High Yield Bond ETFSPDR Barclays Short Term Treasury ETFSPDR Barclays Short Term Corporate Bond ETFSPDR Barclays TIPS ETFSPDR Barclays Long Term Treasury ETFThe percentage invested in each underlying fund varies based on the fund’s target retirement date.Target retirement dates that are further in the future such as the 2050, 2055 and 2060 fund invest more instock funds and less in bond funds while those closer to their target retirement date, such as the 2020and 2015 funds, take a more conservative approach, investing more in bonds funds and less in stockfunds. Not every underlying fund listed above is represented in each State Street Target RetirementFund.Target Retirement Fund underlying investment information was provided by State Street.Default beneficiary informationIn the event of your death, if no beneficiary designations are on file at Fidelity, Fidelity will make everyeffort to research any past elections that were made with Novant Health. If no beneficiary designationscan be found, the Plan guidelines provide that upon a plan participant’s death any assets in the Plan willbe transferred to a beneficiary account for the spouse of the participant. If the participant is not married atthe time of their death then the account will be transferred to the participant’s estate.We highly encourage you to make your beneficiary designations beginning June 1, 2016 so your assetswill be distributed accurately, based on your wishes, in the event of your death.13
Tools and ResourcesOnline 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 and guidance, you now have access to Fidelity’s innovative resources andinsights to help you make informed decisions.IF YOU WANT HELPWITH:TAKE THESE STEPS:Planning & GuidanceCenterTaking Control of YourFinancial FutureAnswer just a few questions and you’ll be able to:· Estimate how much income you may have —or need — in retirement· Receive guidance to help you get or stay on track· Create a retirement plan in minutesSee how increasing your contributions may help yourmoney grow over time.Contribution CalculatorSee how your pre-tax contribution might affect your takehome pay.Take Home PayCalculatorEasily monitor all of your Fidelity and non-Fidelity onlinefinancial accounts in one secure place.Full ViewSee how your saving and spending compare to this simplerule: spend no more than 50% on essential expenses, save15% for retirement, and save 5% for short-term needs.Savings and SpendingCheckupDetermine how to invest your savings among stocks,bonds, and short-term investments.Determine YourInvestment MixWorksheetSaving for RetirementSaving and SpendingUSE THIS ONLINERESOURCE:Investing StrategiesBuild a portfolio for your retirement income.Fidelity Income StrategyEvaluator IMPORTANT: The projections or other information generated by Fidelity’s Income Strategy Evaluator andPlanning & Guidance Center Retirement Analysis Tools regarding the likelihood of various investmentoutcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees offuture results. Results may vary with each use and over time.Guidance provided by Fidelity through Fidelity Income Strategy Evaluator and the Planning & GuidanceCenter Retirement Analysis is educational in nature, is not individualized, and is not intended to serve asthe primary basis for your investment or tax-planning decisions.For assistance, please call the Fidelity Retirement Planning Team at 1-800-603-4015.14
Transition Workshop ScheduleFidelity Retirement Planners will be on-site at Novant Health locations in June and July to present the“Making The Most of your Retirement Plan Transition” workshop and to answer any questions you mayhave.In addition, one-on-one consultations will be available if you have questions about your account,retirement planning, or which investment options in the new lineup may be right for you. Guidanceprovided is educational.If you are unable to attend in-person, live webinars will also be available. Please see page 19 for datesand times.To set up a one-on-one appointme
Page 9 Explore your Plan's new investment lineup. Page 12 Take advantage of the tools and resources you need to help you make confident investment decisions. Page 15 Transition workshop schedule. During the transition, the Franklin and Upstate 401(k) Plans will be merged into the Novant Health Savings and Supplemental Retirement Plan.
