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Self-Directed Brokerage WindowOne of the new investment tools available to you through your 401(k) Savings Plan is a self- directedbrokerage account. Through this account, you have access to thousands of different investments usingthe money that is already in your Savings Plan. The self-directed brokerage window feature is notappropriate for everyone. It is designed for plan participants who have a strong knowledge of theinvestment marketplace, want greater flexibility to create a more customized portfolio, and have theability, time, and desire to personally research and evaluate different investments. The self-directedbrokerage window investment platform is provided through Alight Financial Solutions, a broker-dealersubsidiary of Alight Solutions LLC and member FINRA/SIPC. The Savings Plan does not play any rolein selecting or limiting the investments that Alight Financial Solutions makes available through the selfdirected brokerage window, and neither Alight Financial Solutions, your employer nor the Planendorses or recommends any particular investment offered through the window.Using a Self-DirectedBrokerage WindowWith a self-directed brokerage window, you will haveaccess to over 400 mutual fund families. In addition,more than 7,000 of the mutual funds are availablewith waived loads and/or no transaction fees (NTF)*.More Flexibility, MoreResponsibilityThe Core Funds that are available through your401(k) Savings Plan were specifically chosen togive you basic fund choices which let you build adiversified portfolio. In addition, the Plan offersTarget Date Funds that are designed to be a singleinvestment solution that is generally appropriate fora given expected retirement date. Both the CoreFunds and Target Date Funds represent a widerange of asset classes that have varying degrees ofpotential risk and return and that provide theflexibility you need to meet most investing needs.When you invest through a self-directed brokerageaccount, you gain the flexibility to diversify yourinvestments beyond the Plan’s Core and TargetDate investment options. As is the case with all ofthe investment decisions you make with respect toyour account under the Plan, you assume the fullrisk and responsibility for your investment selectionsunder a self-directed brokerage account. You willneed to select your investment options prudentlyand monitor your investment decisions carefully andfrequently.* Other fees and expenses regularly charged by the funds willapply. Before investing in any mutual fund, please read itsprospectus carefully. For a copy of any prospectus, whichincludes information about risk considerations, fees and otherexpenses, visit the Alight Financial Solutions website atwww.alightfinancialsolutions.com

How to Open a Self-directedbrokerage accountYou may open a self-directed brokerage account atany time. To open an account, simply: Log on to your Benefits site Select View Your Benefits Select the Brokerage Account tile under theHighlights for You Select an enrollment method, either online orby sending in an enrollment form Complete and submit your enrollment form A self-directed brokerage account will beestablished for you in one to two business daysof receiving your enrollment form. Once youraccount is set up, you’ll receive a welcome emailfrom Alight Financial Solutions with informationon accessing and using your self-directedbrokerage account.FEATURES OF YOUR SELF-DIRECTEDBROKERAGE ACCOUNTAlight Financial Solutions provides a numberof tools and resources to assist you inmaking investment decisions in your selfdirected brokerage account. These featuresare made possible through the AlightFinancial Solutions website atwww.alightfinancialsolutions.com.ResearchLearn about thousands of differentinvestments on the Alight Financial Solutionswebsite using analysis from many respectedresearch sources including Lipper, S&P andThomson.Real-Time InformationCheck your account balance and holdings;place trades and monitor the marketsthrough Dow Jones Newswires and othersources to stay on top of all the financialnews.How to Transfer Money intoYour Self-Directed BrokerageAccountIt is easy to transfer money from your 401(k)Savings Plan account into your self-directedbrokerage account. Here’s how: Log on to your Benefits site. Select the Core or Target Date investmentoption(s) you want to transfer from as well as thedollar amount you want to transfer. Funds transferred into the self-directedbrokerage account will be invested in the AlightMoney Market Fund and are available the nextbusiness day. Use the Alight Financial Solutions website, or calla Alight Financial Solutions representative toinvest your transferred money.How to Transfer Money Backinto Your Core or Target DateInvestment OptionsYou may transfer any amount of money from yourself-directed brokerage account back into the Coreor Target Date investment options at any time.However, funds must be in the Alight Money MarketFund before they are eligible for transfer. Here ishow the process works: First, sell the self-directed brokerage accountinvestments. Once the trades settle, the proceeds will beinvested in the money market fund in your selfdirected brokerage account. This process willtake three to five business days to completedepending on the settlement period of theinvestments liquidated. Once funds are in the Alight Money Market Fundyou can transfer back into any of the Core orTarget Date investment options by requesting atransfer through your Benefits site.

The Alight Money Market FundAlight Financial Solutions uses the Alight MoneyMarket Fund (Nasdaq Ticker Symbol: HEWXX) asthe “cash sweep” vehicle for un-invested assets inself-directed brokerage accounts. This means thatall money transferred into your self-directedbrokerage account will be invested in the AlightMoney Market Fund, and will remain in the fund untilyou use the funds to purchase shares in anothermutual fund or until you transfer the money back intothe Plan’s Core or Target Date fund options. Theproceeds of any mutual fund sales you conduct inyour brokerage account will also be invested in theAlight Money Market Fund unless and until youhave directed to have the proceeds investedelsewhere. By transferring money into the selfdirected brokerage account, you are making anaffirmative election to have this money invested inthe Alight Money Market Fund under all of thesecircumstances.Note that there are other cash and capitalpreservation-oriented investment fund optionsavailable under the Plan besides the Alight MoneyMarket Fund – both through the self-directedbrokerage window and in the Plan’s Core Fundlineup.ACCESSING YOUR SELF-DIRECTEDBROKERAGE ACCOUNTYou may access your self-directed brokerage account intwo ways:The Internet—Access your Benefits site and select ViewYour Benefits or the Alight Financial Solutions websitedirectly at www.alightfinancialsolutions.com from anycomputer with internet access.The Telephone—You can also call the AFS service centerat 1-800-806-7009 and choose Self-directed brokerageWindow from the Savings and Retirement submenu tospeak with a brokerage representative 8:00 a.m. - 6:00 p.m.CT Monday through Friday.Note: Customer Service representatives can assist you withexplaining how to transfer funds, but will not have access toinformation about your self- directed brokerage account andcannot answer questions about your brokerage account.You should always carefully examine thecharacteristics and fees associated with all theavailable options in deciding how to invest youraccount balance under the Plan. To obtain aprospectus for the Alight Money Market Fund or anyother fund available through the self-directedbrokerage window, visit the Alight Financial Solutionswebsite at www.alightfinancialsolutions.com.How the Self-directed brokerageaccount Affects Loans andWithdrawalsIf you request a loan or withdrawal from your 401(k)Savings Plan account, the balance in your selfdirected brokerage account will be included todetermine the total amount that you can borrow orwithdraw. However, you cannot access money forloans or withdrawals directly from your brokerageaccount. If the amount of money that you want toborrow or withdraw includes some or all of themoney that is invested in your brokerage account,you will need to sell some or all of your brokerageinvestments and transfer the appropriate amountback into any of the Core or Target Date investmentoptions before you can access it for a loan orwithdrawal.TRACKING YOUR BALANCEWhen you log on to view your benefits you will be able tosee the total amount of money that is invested in your selfdirected brokerage account as of the previous day’smarket close. To see the actual real-time value of yourself-directed brokerage account and track how youraccount is invested, check your account through the AlightFinancial Solutions website.Transfers to and from the self-directed brokerage accountwill reflect in your balances the next business day.

Fees*Need More Information?You will be charged a 20 maintenance fee for eachquarter you maintain a balance in the self-directedbrokerage account. The maintenance fee isdeducted pro rata across your core investmentoptions and covers expenses the plan incursbecause it offers self-directed brokerage accounts.Visit your Benefits site. You can also access selfdirected brokerage account reference tools andmaterials by visiting the Alight Financial Solutionswebsite at:www.alightfinancialsolutions.com.You may incur transaction fees on some fundspurchased or sold through your self-directedbrokerage account. A complete list of fees isavailable on your Benefits site or by contacting aAlight Financial Solutions representative.*Other fees and expenses regularly charged by the mutual fundswill apply. NTF Funds redeemed or exchanged within three (3)calendar months of the settlement date or deposit date will incur atransaction fee of 50. Before investing in any mutual fund,please read its prospectus carefully. For a copy of anyprospectus, which includes information about risk considerations,fees, and other expenses, visit the Alight Financial Solutionswebsite at www.alightfinancialsolutions.com.How to Close Your Self-directedbrokerage accountYou may close your self-directed brokerage accountat any time. First you must liquidate all theinvestments in that account and wait for theproceeds to sweep into the money market fund.Once funds are in the money market fund you cantransfer back into any of the core investment optionsby requesting a close out event through youryour Benefits site.After your initial close out event is processed therewill be two additional automatic transfers that willmove any residual money (dividends, interest, etc.)in your self-directed brokerage account into yourcore investment options. If you are requesting a totaldistribution from your plan your brokerage accountmust have a zero balance first.Note: Moving everything from the brokerage account to the coreinvestment options does not close your brokerage account. Youmust notify Alight Financial Solutions that you would like to closethe account.